Enter your average income below to estimate applicable free-cash in all major European cities. By free-cash we mean your disposable income, left in your pocket after paying tax, rent, insurance, public transport, food expenses and basic entertainment. How does it work?

average income is
₽ 190500
per

Your estimated
City
free-cash

Valencia , Spain
₽101476
₽81621
₽84890
₽104915
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
190 500
unemployment
-
-
-
506
income
-
-
-
62 527
other
-
-
-
72
accident
-
-
-
650
pensions
-
-
-
20 433
total
-
-
-
84 188
Employee
28 804
-
167 481
-
unemployment
446
-
1 119
-
pensions
1 354
-
3 394
-
income
5 553
-
59 853
-
other
28
-
72
-
total
7 381
-
64 438
-
Employer
28 804
-
167 481
-
pensions
6 797
-
17 040
-
accident
571
-
1 430
-
unemployment
1 585
-
3 971
-
other
231
-
578
-
total
9 184
-
23 019
-
Corporate
152 512
190 500
-
-
income

The general rate of corporate tax is 25%. The lower rate of 15% is introduced for newly formed companies which applies during the first two years of operation in which taxable profit is made. We use the lower rate in our model.

22 877
28 576
-
-
total
22 877
28 576
-
-
Dividends
129 636
161 924
-
-
withholding
28 160
35 587
-
-
total
28 160
35 587
-
-
Income
190 500
190 500
190 500
190 500
Total tax
67 602
64 163
87 457
84 188
After tax
122 898
126 337
103 043
106 312
Living cost
21 422
21 422
21 422
21 422
Free-cash
101 476
104 915
81 621
84 890

Estimated living cost  is ₽21422 per week

₽14459
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2059
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽375
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4528
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Bratislava , Slovakia
₽113944
₽94423
₽95963
₽119205
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
190 500
pensions

Participation in the individual account program is voluntary (6% of an income). The decision to contribute to an individual account must be made before the age of 35 and cannot be reversed.

-
-
-
28 431
income
-
-
-
34 511
other
-
-
-
5 626
health
-
-
-
5 212
total
-
-
-
73 780
Employee
28 285
-
160 313
-
health
396
-
1 659
-
unemployment
282
-
1 184
-
pensions

Participation in the individual account program is voluntary (6% of an income). The decision to contribute to an individual account must be made before the age of 35 and cannot be reversed.

1 979
-
8 292
-
income
4 870
-
33 998
-
total
7 527
-
45 133
-
Employer
28 285
-
160 313
-
health
396
-
1 659
-
pensions

Participation in the individual account program is voluntary (6% of an income). The decision to contribute to an individual account must be made before the age of 35 and cannot be reversed.

4 809
-
20 139
-
accident
226
-
1 283
-
unemployment
282
-
1 184
-
other
1 415
-
5 922
-
total
7 128
-
30 187
-
Corporate
155 087
190 500
-
-
income
32 568
40 004
-
-
total
32 568
40 004
-
-
Dividends
122 518
150 496
-
-
withholding
8 576
10 534
-
-
total
8 576
10 534
-
-
Income
190 500
190 500
190 500
190 500
Total tax
55 799
50 538
75 320
73 780
After tax
134 701
139 962
115 180
116 720
Living cost
20 757
20 757
20 757
20 757
Free-cash
113 944
119 205
94 423
95 963

Estimated living cost  is ₽20757 per week

₽14666
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1401
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽334
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4355
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Varna , Bulgaria
₽149039
₽152482
₽144437
₽152659
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
190 500
pensions

Individual pension and social contributions account is optional for those who entered the labor force after 31 December, 2014.

-
-
-
4 029
unemployment
-
-
-
109
income
-
-
-
28 575
health
-
-
-
3 131
total
-
-
-
35 844
Employee
13 532
-
185 159
-
health
622
-
1 252
-
accident

We are using the highest rate at 1.1%.

149
-
299
-
pensions

19.8% for people born before 1 January, 1960; and 14.8% for those born after 31 December, 1959.

1 188
-
2 391
-
income
1 353
-
18 516
-
total
3 312
-
22 458
-
Employer
13 532
-
185 159
-
health
934
-
1 879
-
pensions

19.8% for people born before 1 January, 1960; and 14.8% for those born after 31 December, 1959.

1 491
-
3 000
-
accident

We are using the highest rate at 1.1%.

149
-
299
-
unemployment
81
-
163
-
total
2 655
-
5 341
-
Corporate
174 313
190 500
-
-
income
17 431
19 050
-
-
total
17 431
19 050
-
-
Dividends
156 882
171 450
-
-
withholding
7 844
8 572
-
-
total
7 844
8 572
-
-
Income
190 500
190 500
190 500
190 500
Total tax
31 242
27 622
27 799
35 844
After tax
159 258
162 878
162 701
154 656
Living cost
10 219
10 219
10 219
10 219
Free-cash
149 039
152 659
152 482
144 437

Estimated living cost  is ₽10219 per week

₽5966
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽730
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽271
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3253
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Nice , France
₽73960
₽69723
₽76271
₽69360
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
190 500
income
-
-
-
37 636
other
-
-
-
5 906
health
-
-
-
9 718
social contributions
-
-
-
5 428
pensions
-
-
-
28 889
surtax
-
-
-
-
total
-
-
-
87 577
Employee
33 340
-
144 637
-
pensions
3 770
-
11 216
-
income
1 968
-
32 927
-
social contributions
951
-
4 122
-
surtax
-
-
-
-
total
6 689
-
48 265
-
Employer
33 340
-
144 637
-
health
2 334
-
14 754
-
social contributions
101
-
435
-
pensions
5 477
-
18 676
-
unemployment
1 350
-
5 859
-
other
1 150
-
6 136
-
total
10 412
-
45 860
-
Corporate
146 748
190 500
-
-
income
41 089
53 340
-
-
surtax
-
-
-
-
total
41 089
53 340
-
-
Dividends
105 659
137 160
-
-
social contributions
18 173
23 592
-
-
surtax
-
-
-
-
withholding
13 525
17 556
-
-
total
31 698
41 148
-
-
Income
190 500
190 500
190 500
190 500
Total tax
89 888
94 488
94 125
87 577
After tax
100 612
96 012
96 375
102 923
Living cost
26 652
26 652
26 652
26 652
Free-cash
73 960
69 360
69 723
76 271

Estimated living cost  is ₽26652 per week

₽16805
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2167
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽454
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7227
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Rotterdam , Netherlands
₽57705
₽89174
₽68830
₽62477
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
190 500
pensions
-
-
-
9 127
income
-
-
-
70 303
health
-
-
-
9 606
total
-
-
-
89 036
Employee
66 524
66 524
176 023
-
health
10 211
8 685
9 606
-
pensions
11 974
9 127
9 127
-
income

It is possible to apply for a 30% ruling (tax reduction) for salaries over €37,000 per annum.

10 889
10 889
35 483
-
total
33 074
28 701
54 216
-
Employer
66 524
66 524
176 023
-
health
4 624
4 624
5 746
-
pensions
4 630
4 630
5 755
-
unemployment
2 395
2 395
2 976
-
total
11 649
11 649
14 477
-
Corporate
113 143
112 327
-
-
income
22 628
22 466
-
-
total
22 628
22 466
-
-
Dividends
90 515
89 862
-
-
income
19 234
19 095
-
-
withholding
13 577
13 479
-
-
total
32 811
32 574
-
-
Income
190 500
190 500
190 500
190 500
Total tax
100 162
95 390
68 693
89 036
After tax
90 338
95 110
121 807
101 464
Living cost
32 634
32 634
32 634
32 634
Free-cash
57 705
62 477
89 174
68 830

Estimated living cost  is ₽32634 per week

₽23127
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2942
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽519
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6046
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Dresden , Germany
₽81013
₽93225
₽68926
₽72398
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader

Pension contribution is not mandatory for self-employed except for writers, artists and musicians who should pay standard rates to Künstlersozialkasse.

-
-
-
190 500
trade
-
-
-
24 299
income

Personal income is calculated on a progressive scale(from 14% to 42%), and is fixed at 45%. The tax percentage is unique and will depend on your income.

-
-
-
64 794
health

Our model is based on the assumption that an owner of the company is either a director or registered self-employed, so all social security contributions are not mandatory.

However, you would need to purchase private health insurance. We took an average price of €3600 per annum per person.

-
-
-
5 322
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

-
-
-
3 564
total
-
-
-
97 979
Employee

Pension contribution is not mandatory for self-employed except for writers, artists and musicians who should pay standard rates to Künstlersozialkasse.

29 795
-
190 500
-
health

Our model is based on the assumption that an owner of the company is either a director or registered self-employed, so all social security contributions are not mandatory.

However, you would need to purchase private health insurance. We took an average price of €3600 per annum per person.

5 322
-
5 322
-
income

Personal income is calculated on a progressive scale(from 14% to 42%), and is fixed at 45%. The tax percentage is unique and will depend on your income.

832
-
64 794
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

46
-
3 564
-
total
6 200
-
73 680
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
160 705
190 500
-
-
income
24 105
28 576
-
-
trade
25 312
30 004
-
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

1 326
1 571
-
-
chamber of commerce
349
392
-
-
total
51 092
60 543
-
-
Dividends
109 613
129 958
-
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

1 492
1 771
-
-
withholding
27 108
32 193
-
-
total
28 600
33 964
-
-
Income
190 500
190 500
190 500
190 500
Total tax
85 892
94 507
73 680
97 979
After tax
104 608
95 993
116 820
92 521
Living cost
23 595
23 595
23 595
23 595
Free-cash
81 013
72 398
93 225
68 926

Estimated living cost  is ₽23595 per week

₽14842
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2751
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽441
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5561
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Nationals of Europe, Australia, Canada, Israel, Japan, the Republic of Korea, New Zealand and the USA do not require an entry type D visa (not to confuse with a Schengen visa or a visa-free entry). For other nationals, waiting time is around 6-9 months which includes document preparation and processing.

Larnaca , Cyprus
₽116522
₽107971
₽109503
₽120760
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
190 500
income
-
-
-
45 499
health
-
-
-
4 858
social contributions
-
-
-
12 604
total
-
-
-
62 961
Employee
59 902
59 902
180 456
-
health
464
1 019
3 067
-
income
6 522
5 545
44 676
-
social contributions
2 265
4 972
6 706
-
total
9 251
11 536
54 449
-
Employer
59 902
59 902
180 456
-
health
504
1 109
3 338
-
social contributions
2 265
4 972
6 706
-
total
2 769
6 081
10 044
-
Corporate
160 444
124 518
-
-
income
20 056
15 565
-
-
total
20 056
15 565
-
-
Dividends
140 388
108 953
-
-
withholding
23 866
18 522
-
-
total
23 866
18 522
-
-
Income
190 500
190 500
190 500
190 500
Total tax
55 942
51 704
64 493
62 961
After tax
134 558
138 796
126 007
127 539
Living cost
18 036
18 036
18 036
18 036
Free-cash
116 522
120 760
107 971
109 503

Estimated living cost  is ₽18036 per week

₽10809
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1770
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽399
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5059
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Lisbon , Portugal
₽83137
₽58721
₽74169
₽83922
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader

Based on articles 30.º, 31.º and 151.º of CIRS, sole-trader can use 75% of income as a tax base when earnings are below €200,000 per annum.

-
-
-
190 500
income
-
-
-
25 698
social contributions

Social contributions in Portugal are calculated from the total income before any reductions apply.

-
-
-
66 198
surtax
-
-
-
-
total
-
-
-
91 896
Employee
35 828
-
153 939
-
income
7 452
-
53 381
-
social contributions
3 941
-
16 934
-
surtax
-
-
469
-
total
11 393
-
70 784
-
Employer
35 828
-
153 939
-
social contributions
8 509
-
36 560
-
total
8 509
-
36 560
-
Corporate
146 163
190 500
-
-
income
30 694
40 004
-
-
surtax
-
-
-
-
total
30 694
40 004
-
-
Dividends
115 469
150 496
-
-
withholding
32 332
42 139
-
-
total
32 332
42 139
-
-
Income
190 500
190 500
190 500
190 500
Total tax
82 928
82 143
107 344
91 896
After tax
107 572
108 357
83 156
98 604
Living cost
24 435
24 435
24 435
24 435
Free-cash
83 137
83 922
58 721
74 169

Estimated living cost  is ₽24435 per week

₽18282
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1441
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽408
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4303
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Batumi , Georgia
₽174072
₽146587
₽182782
₽175162
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader

We expect you will register a microenterprise to benefit from 1% tax rate. Otherwise you will be taxed at a personal income rate of 20%.

-
-
-
190 500
microenterprise

A sole-trader will lose its microenterprise status when the turnover exceeds 500,000 GEL for the last two consecutive years.

-
-
-
1 905
total
-
-
-
1 905
Employee
7 266
-
190 500
-
income
1 453
-
38 100
-
total
1 453
-
38 100
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

We will register your company as part of a virtual zone. Your non-Georgian corporate tax will be zero. Turnover in Georgia will be taxed at 15%.

183 234
190 500
-
-
total
-
-
-
-
Dividends
183 234
190 500
-
-
withholding
9 162
9 525
-
-
total
9 162
9 525
-
-
Income
190 500
190 500
190 500
190 500
Total tax
10 615
9 525
38 100
1 905
After tax
179 885
180 975
152 400
188 595
Living cost
5 813
5 813
5 813
5 813
Free-cash
174 072
175 162
146 587
182 782

Estimated living cost  is ₽5813 per week

₽3602
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽483
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽160
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽1567
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Social security system in Georgia is financed from the government taxes which are part of our internal model. Separate pension and medical insurance contributions are not compulsory. It is advisable to purchase health insurance privately as in an event of medical emergency the treatment is likely to get costly.

Ljubljana , Slovenia
₽103749
₽61800
₽65939
₽110264
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader

A sole-trader pays social contribution from 75% of the assessed income made in the last year.

The minimum monthly assessed income used to calculate contributions is 60% of the insured's average monthly wage in the last year.

The maximum assessed income used to calculate contributions is 3.5 times the insured's average monthly wage in the last year.

-
-
-
190 500
pensions
-
-
-
34 790
unemployment
-
-
-
285
income
-
-
-
49 846
health
-
-
-
18 745
total
-
-
-
103 666
Employee

The minimum monthly earnings used to calculate contributions are 54% (gradually rising by two percent until reaching 60% by 2021) of the insured's average monthly wage in the last year.

34 448
-
164 834
-
health
2 225
-
10 650
-
unemployment
49
-
231
-
pensions
5 340
-
25 550
-
income
5 940
-
45 708
-
total
13 554
-
82 139
-
Employer

The minimum monthly earnings used to calculate contributions are 54% (gradually rising by two percent until reaching 60% by 2021) of the insured's average monthly wage in the last year.

34 448
-
164 834
-
health
2 294
-
10 979
-
pensions
3 048
-
14 588
-
unemployment
21
-
99
-
total
5 363
-
25 666
-
Corporate
150 689
190 500
-
-
income
28 630
36 195
-
-
total
28 630
36 195
-
-
Dividends
122 059
154 305
-
-
withholding
18 309
23 146
-
-
total
18 309
23 146
-
-
Income
190 500
190 500
190 500
190 500
Total tax
65 856
59 341
107 805
103 666
After tax
124 644
131 159
82 695
86 834
Living cost
20 895
20 895
20 895
20 895
Free-cash
103 749
110 264
61 800
65 939

Estimated living cost  is ₽20895 per week

₽14340
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1339
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽405
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4812
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Sliema , Malta
₽94154
₽103920
₽128672
₽91432
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader

We use The Residence Programme or The Global Residence Programme.

-
-
-
190 500
income
-
-
-
28 576
health

This is an average price for a private worldwide health insurance. The price will vary depending on your age and health condition.

-
-
-
4 974
total
-
-
-
33 550
Employee
35 736
-
186 917
-
social contributions
3 580
-
3 583
-
income
3 878
-
51 136
-
total
7 458
-
54 719
-
Employer
35 736
-
186 917
-
social contributions
3 580
-
3 583
-
total
3 580
-
3 583
-
Corporate
151 184
190 500
-
-
income
52 914
66 674
-
-
total
52 914
66 674
-
-
Dividends
98 269
123 826
-
-
social contributions
4 116
4 116
-
-
total
4 116
4 116
-
-
Income
190 500
190 500
190 500
190 500
Total tax
68 068
70 790
58 302
33 550
After tax
122 432
119 710
132 198
156 950
Living cost
28 278
28 278
28 278
28 278
Free-cash
94 154
91 432
103 920
128 672

Estimated living cost  is ₽28278 per week

₽18627
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2229
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽433
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6988
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Vilnius , Lithuania
₽100110
₽100326
₽105820
₽99704
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
190 500
income
-
-
-
28 576
health
-
-
-
13 297
social contributions
-
-
-
26 289
total
-
-
-
68 162
Employee
26 413
-
190 500
-
health
1 843
-
13 297
-
income
4 405
-
34 069
-
social contributions
3 645
-
26 289
-
total
9 893
-
73 655
-
Employer
26 413
-
190 500
-
total
-
-
-
-
Corporate
164 087
190 500
-
-
income

The standard tax rate is 15%. However, small companies and agricultural companies can apply a reduced corporate income tax rate of 0% to the first year of operation when certain conditions are met; and 5% to revenues of less than €300,000 per year. We made calculations based on 5% and skipped 0%.

8 205
9 525
-
-
total
8 205
9 525
-
-
Dividends
155 883
180 975
-
-
social contributions
21 512
24 974
-
-
withholding
23 382
27 146
-
-
health
10 880
12 632
-
-
total
55 774
64 752
-
-
Income
190 500
190 500
190 500
190 500
Total tax
73 872
74 277
73 655
68 162
After tax
116 628
116 223
116 845
122 338
Living cost
16 518
16 518
16 518
16 518
Free-cash
100 110
99 704
100 326
105 820

Estimated living cost  is ₽16518 per week

₽11055
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1019
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽380
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4064
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Prague , Czech Republic
₽101588
₽84313
₽92982
₽109362
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
190 500
income
-
-
-
20 899
health
-
-
-
25 718
social contributions
-
-
-
25 453
solidarity contribution
-
-
-
3 651
total
-
-
-
75 721
Employee
32 054
-
154 778
-
health
4 327
-
20 895
-
solidarity contribution
-
-
2 874
-
income
3 846
-
19 233
-
social contributions
2 083
-
5 666
-
total
10 256
-
48 668
-
Employer
32 054
-
154 778
-
health
2 885
-
13 930
-
social contributions
8 013
-
21 792
-
total
10 898
-
35 722
-
Corporate
147 548
190 500
-
-
income
28 034
36 195
-
-
total
28 034
36 195
-
-
Dividends
119 514
154 305
-
-
withholding
17 927
23 146
-
-
total
17 927
23 146
-
-
Income
190 500
190 500
190 500
190 500
Total tax
67 115
59 341
84 390
75 721
After tax
123 385
131 159
106 110
114 779
Living cost
21 797
21 797
21 797
21 797
Free-cash
101 588
109 362
84 313
92 982

Estimated living cost  is ₽21797 per week

₽16209
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1207
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽377
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4003
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Tbilisi , Georgia
₽170218
₽143342
₽179537
₽171917
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader

We expect you will register a microenterprise to benefit from 1% tax rate. Otherwise you will be taxed at a personal income rate of 20%.

-
-
-
190 500
microenterprise

A sole-trader will lose its microenterprise status when the turnover exceeds 500,000 GEL for the last two consecutive years.

-
-
-
1 905
total
-
-
-
1 905
Employee
11 323
-
190 500
-
income
2 265
-
38 100
-
total
2 265
-
38 100
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

We will register your company as part of a virtual zone. Your non-Georgian corporate tax will be zero. Turnover in Georgia will be taxed at 15%.

179 177
190 500
-
-
total
-
-
-
-
Dividends
179 177
190 500
-
-
withholding
8 959
9 525
-
-
total
8 959
9 525
-
-
Income
190 500
190 500
190 500
190 500
Total tax
11 224
9 525
38 100
1 905
After tax
179 276
180 975
152 400
188 595
Living cost
9 058
9 058
9 058
9 058
Free-cash
170 218
171 917
143 342
179 537

Estimated living cost  is ₽9058 per week

₽6130
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽380
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽304
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2244
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Social security system in Georgia is financed from the government taxes which are part of our internal model. Separate pension and medical insurance contributions are not compulsory. It is advisable to purchase health insurance privately as in an event of medical emergency the treatment is likely to get costly.

Paris , France
₽63742
₽58750
₽65298
₽58387
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
190 500
income
-
-
-
37 636
other
-
-
-
5 906
health
-
-
-
9 718
social contributions
-
-
-
5 428
pensions
-
-
-
28 889
surtax
-
-
-
-
total
-
-
-
87 577
Employee
48 790
-
144 637
-
pensions
5 519
-
11 216
-
income
4 257
-
32 927
-
social contributions
1 390
-
4 122
-
surtax
-
-
-
-
total
11 166
-
48 265
-
Employer
48 790
-
144 637
-
health
3 415
-
14 754
-
social contributions
146
-
435
-
pensions
8 017
-
18 676
-
unemployment
1 976
-
5 859
-
other
1 684
-
6 136
-
total
15 238
-
45 860
-
Corporate
126 471
190 500
-
-
income
35 411
53 340
-
-
surtax
-
-
-
-
total
35 411
53 340
-
-
Dividends
91 060
137 160
-
-
social contributions
15 663
23 592
-
-
surtax
-
-
-
-
withholding
11 655
17 556
-
-
total
27 318
41 148
-
-
Income
190 500
190 500
190 500
190 500
Total tax
89 133
94 488
94 125
87 577
After tax
101 367
96 012
96 375
102 923
Living cost
37 625
37 625
37 625
37 625
Free-cash
63 742
58 387
58 750
65 298

Estimated living cost  is ₽37625 per week

₽25464
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3078
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽516
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8567
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Belgrade , Serbia
₽120400
₽111022
₽111020
₽124217
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader

The minimum monthly earnings used to calculate the contributions are 35% of the national average gross wage for the previous three months.

The maximum monthly earnings used to calculate the contributions are five times the national average gross wage in the previous month.

-
-
-
190 500
pensions
-
-
-
14 910
unemployment
-
-
-
860
income
-
-
-
44 384
health
-
-
-
5 907
total
-
-
-
66 061
Employee

The minimum tax base for social security contributions are defined by the Law on Mandatory Social Insurance Contributions and is fixed at 35% of an average monthly salary published in Serbia. The maximum tax base for social security contributions is capped at five times the average monthly salary published by the official statistics in Serbia at the moment of salary payment.

The minimum monthly earnings used to calculate the contributions are 35% of the national average gross wage for the previous three months.

The maximum monthly earnings used to calculate the contributions are five times the national average gross wage in the previous month.

20 235
-
180 235
-
health
1 042
-
2 953
-
unemployment
152
-
430
-
pensions
2 833
-
8 028
-
income
2 789
-
44 384
-
total
6 816
-
55 795
-
Employer

The minimum tax base for social security contributions are defined by the Law on Mandatory Social Insurance Contributions and is fixed at 35% of an average monthly salary published in Serbia. The maximum tax base for social security contributions is capped at five times the average monthly salary published by the official statistics in Serbia at the moment of salary payment.

The minimum monthly earnings used to calculate the contributions are 35% of the national average gross wage for the previous three months.

The maximum monthly earnings used to calculate the contributions are five times the national average gross wage in the previous month.

20 235
-
180 235
-
health
1 042
-
2 953
-
pensions
2 428
-
6 881
-
unemployment
152
-
430
-
total
3 622
-
10 264
-
Corporate
166 642
190 500
-
-
income
24 996
28 575
-
-
total
24 996
28 575
-
-
Dividends
141 646
161 925
-
-
withholding
21 247
24 289
-
-
total
21 247
24 289
-
-
Income
190 500
190 500
190 500
190 500
Total tax
56 681
52 864
66 059
66 061
After tax
133 819
137 636
124 441
124 439
Living cost
13 419
13 419
13 419
13 419
Free-cash
120 400
124 217
111 022
111 020

Estimated living cost  is ₽13419 per week

₽9035
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1038
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽388
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2958
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Zurich , Switzerland
₽56495
₽89689
₽94914
₽33600
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
190 500
pensions
-
-
-
17 525
city
-
-
-
2 008
other

This will depend on a canton and a chosen fund. The rate is between 0.3% and 3.4% with a maximum base of 148,200 CHF. We use 2% as an average rate.

-
-
-
3 810
health
-
-
-
429
regional
-
-
-
11 707
national
-
-
-
6 595
total
-
-
-
42 074
Employee
62 623
-
172 262
-
health
142
-
388
-
unemployment
-
-
-
-
city
672
-
1 873
-
pensions
5 261
-
12 510
-
regional
2 051
-
10 580
-
national
296
-
5 604
-
total
8 422
-
30 955
-
Employer
62 623
-
172 262
-
health
142
-
388
-
pensions
5 261
-
12 510
-
unemployment
-
-
-
-
other

This will depend on a canton and a chosen fund. The rate is between 0.1% and 3.63% for an employee. We use 2% as an average rate.

1 252
-
3 446
-
total
6 655
-
16 344
-
Corporate
120 533
190 500
-
-
regional
25 492
40 290
-
-
national
10 245
16 193
-
-
total
35 737
56 483
-
-
Dividends
84 796
134 016
-
-
withholding
29 679
46 905
-
-
total
29 679
46 905
-
-
Income
190 500
190 500
190 500
190 500
Total tax
80 493
103 388
47 299
42 074
After tax
110 007
87 112
143 201
148 426
Living cost
53 512
53 512
53 512
53 512
Free-cash
56 495
33 600
89 689
94 914

Estimated living cost  is ₽53512 per week

₽34798
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4802
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽657
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽13255
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details

Additional information

It is extremely rare that a Third Country National (non-EU/EFTA/Swiss and without a long-term EU resident permit) is given a residence permit based on self-employment.

Helsinki , Finland
₽88559
₽63398
₽85220
₽85973
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader

You can choose the amount to declare for pension contributions and choose a pension insurance company or a pension insurance fund you prefer to use; or you could opt out of pension contributions altogether. You can find more details on Finnish Centre for Pensions

-
-
-
190 500
municipal
-
-
-
33 821
health
-
-
-
2 609
national
-
-
-
38 942
total
-
-
-
75 372
Employee
40 985
-
160 258
-
health
306
-
2 144
-
unemployment
615
-
2 404
-
pensions
2 766
-
10 817
-
national
677
-
25 506
-
municipal
6 713
-
26 082
-
total
11 077
-
66 953
-
Employer
40 985
-
160 258
-
health
315
-
1 234
-
pensions
7 111
-
27 805
-
accident
41
-
160
-
unemployment
266
-
1 042
-
total
7 733
-
30 241
-
Corporate
141 782
190 500
-
-
income
28 357
38 100
-
-
total
28 357
38 100
-
-
Dividends

Finish residents use 75% of income from dividends as a base for income tax.

85 069
114 300
-
-
municipal
15 312
20 574
-
-
national
9 554
15 945
-
-
total
24 866
36 519
-
-
Income
190 500
190 500
190 500
190 500
Total tax
72 033
74 619
97 194
75 372
After tax
118 467
115 881
93 306
115 128
Living cost
29 908
29 908
29 908
29 908
Free-cash
88 559
85 973
63 398
85 220

Estimated living cost  is ₽29908 per week

₽19536
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2877
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽476
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7020
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Finland permits registration as a sole-trader only for EU nationals or long-term EU resident permit holders. Other nationals should set up a company and hire themselves as an employee.

Brussels , Belgium
₽66344
₽35693
₽54530
₽75285
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
190 500
communal

Communal tax will depend on the area of registration and each commune in the city has its own rate.

-
-
-
10 265
social contributions
-
-
-
19 422
national
-
-
-
77 880
total
-
-
-
107 567
Employee

The minimum management director salary is set at €45,000 per year.

55 722
-
147 549
-
health

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

2 618
-
6 935
-
communal

Communal tax will depend on the area of registration and each commune in the city has its own rate.

2 906
-
7 696
-
unemployment

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

485
-
1 283
-
pensions

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

4 179
-
11 067
-
national
17 131
-
56 473
-
total
27 319
-
83 454
-
Employer

The minimum management director salary is set at €45,000 per year.

55 722
-
147 549
-
health

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

3 427
-
9 075
-
pensions

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

4 938
-
13 073
-
surtax
6 318
-
16 731
-
accident

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

724
-
1 917
-
unemployment

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

813
-
2 154
-
total
16 220
-
42 950
-
Corporate
118 558
190 500
-
-
income
23 712
41 941
-
-
surtax
475
838
-
-
total
24 187
42 779
-
-
Dividends
94 371
147 721
-
-
withholding

As an investor, you can take advantage of €640 tax free allowance per year.

28 027
44 033
-
-
total
28 027
44 033
-
-
Income
190 500
190 500
190 500
190 500
Total tax
95 753
86 812
126 404
107 567
After tax
94 747
103 688
64 096
82 933
Living cost
28 403
28 403
28 403
28 403
Free-cash
66 344
75 285
35 693
54 530

Estimated living cost  is ₽28403 per week

₽18295
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2484
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽445
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7180
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Stockholm , Sweden
₽69671
₽60813
₽61627
₽70425
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
190 500
unemployment
-
-
-
74
municipal
-
-
-
50 448
other
-
-
-
8 554
health
-
-
-
4 593
national
-
-
-
23 511
accident
-
-
-
147
pensions
-
-
-
7 958
total
-
-
-
95 285
Employee
47 860
-
167 371
-
national
-
-
23 060
-
municipal
14 272
-
49 910
-
total
14 272
-
72 970
-
Employer
47 860
-
167 371
-
health
2 943
-
4 527
-
pensions
5 174
-
7 958
-
accident
96
-
147
-
unemployment
1 263
-
1 943
-
other
5 561
-
8 554
-
total
15 037
-
23 129
-
Corporate
127 603
190 500
-
-
income
28 073
41 910
-
-
total
28 073
41 910
-
-
Dividends
99 530
148 590
-
-
withholding
29 859
44 577
-
-
total
29 859
44 577
-
-
Income
190 500
190 500
190 500
190 500
Total tax
87 241
86 487
96 099
95 285
After tax
103 259
104 013
94 401
95 215
Living cost
33 588
33 588
33 588
33 588
Free-cash
69 671
70 425
60 813
61 627

Estimated living cost  is ₽33588 per week

₽22261
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3296
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽510
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7521
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Oslo , Norway
₽38051
₽142182
₽94622
₽78871
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
190 500
income
-
-
-
37 132
social contributions
-
-
-
21 717
total
-
-
-
58 849
Employee
53 095
-
-
-
income
11 712
-
-
-
social contributions
4 354
-
620
-
total
16 066
-
620
-
Employer
53 095
-
-
-
social contributions
74 863
-
10 669
-
total
74 863
-
10 669
-
Corporate
62 542
190 500
-
-
income
13 759
41 910
-
-
total
13 759
41 910
-
-
Dividends
48 783
148 590
-
-
income
10 732
32 690
-
-
total
10 732
32 690
-
-
Income
190 500
190 500
190 500
190 500
Total tax
115 420
74 600
11 289
58 849
After tax
75 080
115 900
179 211
131 651
Living cost
37 029
37 029
37 029
37 029
Free-cash
38 051
78 871
142 182
94 622

Estimated living cost  is ₽37029 per week

₽24026
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3483
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽472
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9049
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Limassol , Cyprus
₽110301
₽100740
₽102272
₽113529
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
190 500
income
-
-
-
45 499
health
-
-
-
4 858
social contributions
-
-
-
12 604
total
-
-
-
62 961
Employee
59 902
59 902
180 456
-
health
596
1 019
3 067
-
income
6 290
5 545
44 676
-
social contributions
2 911
4 972
6 706
-
total
9 797
11 536
54 449
-
Employer
59 902
59 902
180 456
-
health
649
1 109
3 338
-
social contributions
2 911
4 972
6 706
-
total
3 560
6 081
10 044
-
Corporate
151 877
124 518
-
-
income
18 984
15 565
-
-
total
18 984
15 565
-
-
Dividends
132 892
108 953
-
-
withholding
22 591
18 522
-
-
total
22 591
18 522
-
-
Income
190 500
190 500
190 500
190 500
Total tax
54 932
51 704
64 493
62 961
After tax
135 568
138 796
126 007
127 539
Living cost
25 267
25 267
25 267
25 267
Free-cash
110 301
113 529
100 740
102 272

Estimated living cost  is ₽25267 per week

₽17272
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1974
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽424
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5597
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Edinburgh , United Kingdom
₽94956
₽77098
₽94021
₽90497
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
190 500
income
-
-
-
60 598
pensions
-
-
-
7 929
total
-
-
-
68 527
Employee
38 368
-
165 876
-
health
500
-
2 180
-
pensions
2 928
-
9 329
-
income
6 987
-
49 317
-
total
10 415
-
60 826
-
Employer
38 368
-
165 876
-
health
729
-
3 152
-
pensions
3 876
-
21 472
-
total
4 605
-
24 624
-
Corporate
147 527
190 500
-
-
income

It is proposed for this rate to fall to 17% from the financial year starting on 1 April, 2020. Also, where the taxable profits can be attributed to the exploitation of patents, a lower rate of 10% applies.

28 029
36 195
-
-
total
28 029
36 195
-
-
Dividends
119 497
154 305
-
-
withholding
24 543
35 856
-
-
total
24 543
35 856
-
-
Income
190 500
190 500
190 500
190 500
Total tax
67 592
72 051
85 450
68 527
After tax
122 908
118 449
105 050
121 973
Living cost
27 952
27 952
27 952
27 952
Free-cash
94 956
90 497
77 098
94 021

Estimated living cost  is ₽27952 per week

₽19175
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2570
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽350
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5855
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details

Additional information

The only visa which will gain you entry to the UK as a freelancer is Tier 1 (with an exception of EU nationals or long-term UK residence permit holders, up until Brexit). There are two Tier 1 visa pathways.

You can either apply for an Entrepreneur visa which requires an investment of at least £200000 and creating two full time jobs, or choose an Exceptional Talent visa, which has no financial requirements but is more difficult to obtain.

Rome , Italy
₽65765
₽52877
₽59276
₽69309
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
190 500
municipal
-
-
-
1 363
regional
-
-
-
4 785
social contributions
-
-
-
38 989
national
-
-
-
55 053
total
-
-
-
100 190
Employee
65 644
-
190 500
-
social contributions
22 135
-
51 115
-
regional
991
-
4 381
-
national
11 093
-
49 838
-
municipal
392
-
1 255
-
total
34 611
-
106 589
-
Employer
65 644
-
190 500
-
total
-
-
-
-
Corporate
124 856
190 500
-
-
nationa
29 965
45 719
-
-
municipal
6 018
9 182
-
-
total
35 983
54 901
-
-
Dividends
88 873
135 599
-
-
withholding
23 107
35 256
-
-
total
23 107
35 256
-
-
Income
190 500
190 500
190 500
190 500
Total tax
93 701
90 157
106 589
100 190
After tax
96 799
100 343
83 911
90 310
Living cost
31 034
31 034
31 034
31 034
Free-cash
65 765
69 309
52 877
59 276

Estimated living cost  is ₽31034 per week

₽21799
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2135
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽469
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6630
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Gdansk , Poland
₽12852
₽88628
₽113212
-₽1383
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
190 500
pensions
-
-
-
3 180
income
-
-
-
55 152
other
-
-
-
283
health
-
-
-
1 667
accident
-
-
-
193
total
-
-
-
60 475
Employee
26 447
-
174 876
-
health
3 028
-
20 023
-
pensions
2 978
-
5 830
-
income
3 628
-
43 583
-
total
9 634
-
69 436
-
Employer
26 447
-
174 876
-
pensions
4 300
-
8 419
-
accident
441
-
2 920
-
unemployment
648
-
4 284
-
total
5 389
-
15 623
-
Corporate
158 663
190 500
-
-
income

From 1 January 2017, a lowered corporate income tax rate of 9% was introduced for so-called 'small taxpayers' - entities with turnover not exceeding the equivalent of €1.2 million and for taxpayers starting business activity, during their previous tax year.

142 797
171 450
-
-
total
142 797
171 450
-
-
Dividends
15 866
19 050
-
-
withholding
3 015
3 620
-
-
total
3 015
3 620
-
-
Income
190 500
190 500
190 500
190 500
Total tax
160 835
175 070
85 059
60 475
After tax
29 665
15 430
105 441
130 025
Living cost
16 813
16 813
16 813
16 813
Free-cash
12 852
-1 383
88 628
113 212

Estimated living cost  is ₽16813 per week

₽12322
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽931
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽351
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3208
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Poland permits registration as a sole-trader only for EU nationals or long-term EU resident permit holders. Other nationals should use a business incubator or set up a company and hire themselves as an employee.

Berlin , Germany
₽78069
₽86745
₽64606
₽67879
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader

Pension contribution is not mandatory for self-employed except for writers, artists and musicians who should pay standard rates to Künstlersozialkasse.

-
-
-
190 500
trade
-
-
-
22 139
income

Personal income is calculated on a progressive scale(from 14% to 42%), and is fixed at 45%. The tax percentage is unique and will depend on your income.

-
-
-
64 794
health

Our model is based on the assumption that an owner of the company is either a director or registered self-employed, so all social security contributions are not mandatory.

However, you would need to purchase private health insurance. We took an average price of €3600 per annum per person.

-
-
-
5 322
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

-
-
-
3 564
total
-
-
-
95 819
Employee

Pension contribution is not mandatory for self-employed except for writers, artists and musicians who should pay standard rates to Künstlersozialkasse.

38 760
-
190 500
-
health

Our model is based on the assumption that an owner of the company is either a director or registered self-employed, so all social security contributions are not mandatory.

However, you would need to purchase private health insurance. We took an average price of €3600 per annum per person.

5 322
-
5 322
-
income

Personal income is calculated on a progressive scale(from 14% to 42%), and is fixed at 45%. The tax percentage is unique and will depend on your income.

3 187
-
64 794
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

176
-
3 564
-
total
8 685
-
73 680
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
151 740
190 500
-
-
income
22 761
28 576
-
-
trade
21 775
27 337
-
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

1 252
1 571
-
-
chamber of commerce
341
398
-
-
total
46 129
57 882
-
-
Dividends
105 609
132 619
-
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

1 435
1 806
-
-
withholding
26 107
32 858
-
-
total
27 542
34 664
-
-
Income
190 500
190 500
190 500
190 500
Total tax
82 356
92 546
73 680
95 819
After tax
108 144
97 954
116 820
94 681
Living cost
30 075
30 075
30 075
30 075
Free-cash
78 069
67 879
86 745
64 606

Estimated living cost  is ₽30075 per week

₽20747
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3236
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽436
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5656
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Nationals of Europe, Australia, Canada, Israel, Japan, the Republic of Korea, New Zealand and the USA do not require an entry type D visa (not to confuse with a Schengen visa or a visa-free entry). For other nationals, waiting time is around 6-9 months which includes document preparation and processing.

Riga , Latvia
₽129804
₽67421
₽54110
₽136193
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader

As of 1 January, 2018 a microenterprise tax rate for microenterprise turnover of up to €40,000 is 15%. This tax is inclusive of all other taxes and contributions.

Microenterprise tax could also be applied to a company but as the only exception is a limitation of liability, we advise to register as a sole-trader.

-
-
-
190 500
income
-
-
-
41 759
microenterprise
-
-
-
-
social contributions

Each person younger than 30 on 1 July, 2001 should make pension contributions to an old-age pension account. We include it in our internal model.

-
-
-
29 847
surtax
-
-
-
48 577
total
-
-
-
120 183
Employee
22 763
-
151 473
-
income
4 052
-
35 670
-
social contributions

Each person younger than 30 on 1 July, 2001 should make pension contributions to an old-age pension account. We include it in our internal model.

2 504
-
10 212
-
surtax
-
-
21 963
-
total
6 556
-
67 845
-
Employer
22 763
-
151 473
-
social contributions

Each person younger than 30 on 1 July, 2001 should make pension contributions to an old-age pension account. We include it in our internal model.

5 483
-
22 365
-
surtax
-
-
16 662
-
total
5 483
-
39 027
-
Corporate
162 254
190 500
-
-
income

Corporate income tax rate is 20% applicable to the taxable base. However, before applying the statutory rate, the taxable base should be divided by a coefficient of 0.8. As taxable base is increased by the coefficient, the effective corporate income tax rate is 25%.

32 450
38 100
-
-
total
32 450
38 100
-
-
Dividends

In Latvia, local dividends are not subject to withholding tax.

129 804
152 400
-
-
total
-
-
-
-
Income
190 500
190 500
190 500
190 500
Total tax
44 489
38 100
106 872
120 183
After tax
146 011
152 400
83 628
70 317
Living cost
16 207
16 207
16 207
16 207
Free-cash
129 804
136 193
67 421
54 110

Estimated living cost  is ₽16207 per week

₽10339
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1543
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽368
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3956
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Istanbul , Turkey
₽107367
₽107439
₽108141
₽108991
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
190 500
income
-
-
-
60 045
health
-
-
-
5 225
pensions
-
-
-
7 208
total
-
-
-
72 478
Employee
15 050
-
182 392
-
health
753
-
1 802
-
unemployment
151
-
360
-
pensions
1 354
-
3 243
-
income
2 911
-
59 666
-
total
5 169
-
65 071
-
Employer
15 050
-
182 392
-
health
1 430
-
3 424
-
pensions
1 656
-
3 964
-
unemployment
301
-
721
-
total
3 387
-
8 109
-
Corporate
172 064
190 500
-
-
income
37 854
41 910
-
-
total
37 854
41 910
-
-
Dividends
134 210
148 590
-
-
withholding
26 842
29 718
-
-
total
26 842
29 718
-
-
Income
190 500
190 500
190 500
190 500
Total tax
73 252
71 628
73 180
72 478
After tax
117 248
118 872
117 320
118 022
Living cost
9 881
9 881
9 881
9 881
Free-cash
107 367
108 991
107 439
108 141

Estimated living cost  is ₽9881 per week

₽5872
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽801
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽226
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2982
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details
Athens , Greece
₽99850
₽67184
₽71946
₽102326
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
190 500
pensions
-
-
-
20 794
unemployment
-
-
-
177
income
-
-
-
62 027
other
-
-
-
-
health
-
-
-
7 381
surtax
-
-
-
10 678
total
-
-
-
101 057
Employee
26 234
-
168 615
-
health
670
-
2 651
-
unemployment
1 826
-
7 236
-
pensions
1 750
-
6 935
-
income
4 398
-
57 367
-
other
-
-
-
-
surtax
93
-
9 745
-
total
8 737
-
83 934
-
Employer
26 234
-
168 615
-
health
1 193
-
4 731
-
pensions
3 498
-
13 859
-
unemployment
832
-
3 295
-
other
-
-
-
-
total
5 523
-
21 885
-
Corporate
158 743
190 500
-
-
income
41 273
49 531
-
-
total
41 273
49 531
-
-
Dividends
117 470
140 969
-
-
withholding
17 620
21 146
-
-
total
17 620
21 146
-
-
Income
190 500
190 500
190 500
190 500
Total tax
73 153
70 677
105 819
101 057
After tax
117 347
119 823
84 681
89 443
Living cost
17 497
17 497
17 497
17 497
Free-cash
99 850
102 326
67 184
71 946

Estimated living cost  is ₽17497 per week

₽10564
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1521
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽407
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5007
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details
Graz , Austria
₽79739
₽24775
₽72645
₽80127
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
190 500
pensions
-
-
-
16 836
chamber of commerce