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
₽ 191000
per

Your estimated
City
free-cash

Valencia , Spain
₽101496
₽81591
₽84902
₽104981
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
-
-
-
191 000
unemployment
-
-
-
512
income
-
-
-
62 444
other
-
-
-
73
accident
-
-
-
659
pensions
-
-
-
20 704
total
-
-
-
84 392
Employee
29 186
-
167 676
-
unemployment
452
-
1 134
-
pensions
1 372
-
3 439
-
income
5 627
-
59 734
-
other
28
-
73
-
total
7 479
-
64 380
-
Employer
29 186
-
167 676
-
pensions
6 887
-
17 266
-
accident
578
-
1 448
-
unemployment
1 606
-
4 023
-
other
234
-
586
-
total
9 305
-
23 323
-
Corporate
152 509
191 000
-
-
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.

22 876
28 651
-
-
total
22 876
28 651
-
-
Dividends
129 633
162 349
-
-
withholding
28 138
35 662
-
-
total
28 138
35 662
-
-
Income
191 000
191 000
191 000
191 000
Total tax
67 798
64 313
87 703
84 392
After tax
123 202
126 687
103 297
106 608
Living cost
21 706
21 706
21 706
21 706
Free-cash
101 496
104 981
81 591
84 902

Estimated living cost  is ₽21706 per week

₽14651
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2087
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.
₽4588
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
₽113963
₽94165
₽95714
₽119295
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
-
-
-
191 000
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.

-
-
-
28 808
income
-
-
-
34 462
other
-
-
-
5 701
health
-
-
-
5 282
total
-
-
-
74 253
Employee
28 660
-
160 429
-
health
401
-
1 681
-
unemployment
286
-
1 200
-
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.

2 006
-
8 402
-
income
4 934
-
33 947
-
total
7 627
-
45 230
-
Employer
28 660
-
160 429
-
health
401
-
1 681
-
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.

4 873
-
20 406
-
accident
229
-
1 284
-
unemployment
286
-
1 200
-
other
1 434
-
6 001
-
total
7 223
-
30 572
-
Corporate
155 117
191 000
-
-
income
32 575
40 110
-
-
total
32 575
40 110
-
-
Dividends
122 542
150 890
-
-
withholding
8 579
10 562
-
-
total
8 579
10 562
-
-
Income
191 000
191 000
191 000
191 000
Total tax
56 004
50 672
75 802
74 253
After tax
134 996
140 328
115 198
116 747
Living cost
21 033
21 033
21 033
21 033
Free-cash
113 963
119 295
94 165
95 714

Estimated living cost  is ₽21033 per week

₽14861
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1420
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽339
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.
₽4413
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
₽149257
₽152644
₽144597
₽152931
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
-
-
-
191 000
pensions

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

-
-
-
4 090
unemployment
-
-
-
111
income
-
-
-
28 650
health
-
-
-
3 178
total
-
-
-
36 029
Employee
13 736
-
185 578
-
health
632
-
1 271
-
accident

We are using the highest rate at 1.1%.

151
-
304
-
pensions

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

1 206
-
2 427
-
income
1 373
-
18 558
-
total
3 362
-
22 560
-
Employer
13 736
-
185 578
-
health
948
-
1 907
-
pensions

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

1 514
-
3 045
-
accident

We are using the highest rate at 1.1%.

151
-
304
-
unemployment
82
-
166
-
total
2 695
-
5 422
-
Corporate
174 569
191 000
-
-
income
17 456
19 100
-
-
total
17 456
19 100
-
-
Dividends
157 112
171 900
-
-
withholding
7 856
8 595
-
-
total
7 856
8 595
-
-
Income
191 000
191 000
191 000
191 000
Total tax
31 369
27 695
27 982
36 029
After tax
159 631
163 305
163 018
154 971
Living cost
10 374
10 374
10 374
10 374
Free-cash
149 257
152 931
152 644
144 597

Estimated living cost  is ₽10374 per week

₽6056
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽741
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽275
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.
₽3302
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
₽73921
₽69901
₽76347
₽69258
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
-
-
-
191 000
income
-
-
-
37 479
other
-
-
-
5 921
health
-
-
-
9 699
social contributions
-
-
-
5 442
pensions
-
-
-
29 106
surtax
-
-
-
-
total
-
-
-
87 647
Employee
33 782
-
145 100
-
pensions
3 820
-
11 218
-
income
1 994
-
32 843
-
social contributions
963
-
4 134
-
surtax
-
-
-
-
total
6 777
-
48 195
-
Employer
33 782
-
145 100
-
health
2 365
-
14 761
-
social contributions
102
-
436
-
pensions
5 550
-
18 684
-
unemployment
1 368
-
5 876
-
other
1 165
-
6 141
-
total
10 550
-
45 898
-
Corporate
146 668
191 000
-
-
income
41 067
53 480
-
-
surtax
-
-
-
-
total
41 067
53 480
-
-
Dividends
105 601
137 520
-
-
social contributions
18 162
23 654
-
-
surtax
-
-
-
-
withholding
13 517
17 602
-
-
total
31 679
41 256
-
-
Income
191 000
191 000
191 000
191 000
Total tax
90 073
94 736
94 093
87 647
After tax
100 927
96 264
96 907
103 353
Living cost
27 006
27 006
27 006
27 006
Free-cash
73 921
69 258
69 901
76 347

Estimated living cost  is ₽27006 per week

₽17028
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2196
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽460
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.
₽7323
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
₽57436
₽89065
₽68766
₽62273
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
-
-
-
191 000
pensions
-
-
-
9 248
income
-
-
-
70 187
health
-
-
-
9 733
total
-
-
-
89 168
Employee
67 406
67 406
176 331
-
health
10 346
8 800
9 733
-
pensions
12 133
9 248
9 248
-
income

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

11 033
11 033
35 220
-
total
33 512
29 081
54 201
-
Employer
67 406
67 406
176 331
-
health
4 685
4 685
5 822
-
pensions
4 691
4 691
5 831
-
unemployment
2 427
2 427
3 015
-
total
11 803
11 803
14 668
-
Corporate
112 617
111 790
-
-
income
22 524
22 358
-
-
total
22 524
22 358
-
-
Dividends
90 093
89 433
-
-
income
19 145
19 004
-
-
withholding
13 514
13 415
-
-
total
32 659
32 419
-
-
Income
191 000
191 000
191 000
191 000
Total tax
100 498
95 661
68 869
89 168
After tax
90 502
95 339
122 131
101 832
Living cost
33 066
33 066
33 066
33 066
Free-cash
57 436
62 273
89 065
68 766

Estimated living cost  is ₽33066 per week

₽23433
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2981
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽526
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.
₽6126
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
₽81071
₽93333
₽69031
₽72339
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.

-
-
-
191 000
trade
-
-
-
24 302
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.

-
-
-
64 803
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.

-
-
-
5 392
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
-
-
-
98 061
Employee

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

30 191
-
191 000
-
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.

5 392
-
5 392
-
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.

843
-
64 803
-
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
6 281
-
73 759
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
160 809
191 000
-
-
income
24 121
28 651
-
-
trade
25 328
30 083
-
-
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.

1 327
1 576
-
-
chamber of commerce
351
394
-
-
total
51 127
60 704
-
-
Dividends
109 683
130 297
-
-
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
1 775
-
-
withholding
27 121
32 274
-
-
total
28 613
34 049
-
-
Income
191 000
191 000
191 000
191 000
Total tax
86 021
94 753
73 759
98 061
After tax
104 979
96 247
117 241
92 939
Living cost
23 908
23 908
23 908
23 908
Free-cash
81 071
72 339
93 333
69 031

Estimated living cost  is ₽23908 per week

₽15039
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2788
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽446
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.
₽5635
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
₽116596
₽108132
₽109671
₽120893
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
-
-
-
191 000
income
-
-
-
45 412
health
-
-
-
4 871
social contributions
-
-
-
12 771
total
-
-
-
63 054
Employee
60 696
60 696
180 859
-
health
470
1 032
3 075
-
income
6 609
5 619
44 582
-
social contributions
2 295
5 037
6 795
-
total
9 374
11 688
54 452
-
Employer
60 696
60 696
180 859
-
health
511
1 123
3 346
-
social contributions
2 295
5 037
6 795
-
total
2 806
6 160
10 141
-
Corporate
160 545
124 143
-
-
income
20 068
15 518
-
-
total
20 068
15 518
-
-
Dividends
140 478
108 625
-
-
withholding
23 881
18 466
-
-
total
23 881
18 466
-
-
Income
191 000
191 000
191 000
191 000
Total tax
56 129
51 832
64 593
63 054
After tax
134 871
139 168
126 407
127 946
Living cost
18 275
18 275
18 275
18 275
Free-cash
116 596
120 893
108 132
109 671

Estimated living cost  is ₽18275 per week

₽10953
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1793
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽404
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.
₽5126
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
₽83088
₽58779
₽74197
₽83881
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.

-
-
-
191 000
income
-
-
-
25 672
social contributions

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

-
-
-
66 372
surtax
-
-
-
-
total
-
-
-
92 044
Employee
36 303
-
154 343
-
income
7 551
-
53 389
-
social contributions
3 993
-
16 977
-
surtax
-
-
439
-
total
11 544
-
70 805
-
Employer
36 303
-
154 343
-
social contributions
8 622
-
36 657
-
total
8 622
-
36 657
-
Corporate
146 075
191 000
-
-
income
30 676
40 110
-
-
surtax
-
-
-
-
total
30 676
40 110
-
-
Dividends
115 399
150 890
-
-
withholding
32 311
42 250
-
-
total
32 311
42 250
-
-
Income
191 000
191 000
191 000
191 000
Total tax
83 153
82 360
107 462
92 044
After tax
107 847
108 640
83 538
98 956
Living cost
24 759
24 759
24 759
24 759
Free-cash
83 088
83 881
58 779
74 197

Estimated living cost  is ₽24759 per week

₽18525
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1460
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽413
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.
₽4360
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
₽174329
₽146803
₽183093
₽175453
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%.

-
-
-
191 000
microenterprise

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

-
-
-
1 910
total
-
-
-
1 910
Employee
7 495
-
191 000
-
income
1 499
-
38 200
-
total
1 499
-
38 200
-
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%.

183 505
191 000
-
-
total
-
-
-
-
Dividends
183 505
191 000
-
-
withholding
9 175
9 550
-
-
total
9 175
9 550
-
-
Income
191 000
191 000
191 000
191 000
Total tax
10 674
9 550
38 200
1 910
After tax
180 326
181 450
152 800
189 090
Living cost
5 997
5 997
5 997
5 997
Free-cash
174 329
175 453
146 803
183 093

Estimated living cost  is ₽5997 per week

₽3716
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽498
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽165
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.
₽1617
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
₽103730
₽61939
₽66087
₽110331
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.

-
-
-
191 000
pensions
-
-
-
34 882
unemployment
-
-
-
286
income
-
-
-
49 779
health
-
-
-
18 794
total
-
-
-
103 741
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.

34 905
-
165 269
-
health
2 254
-
10 676
-
unemployment
49
-
231
-
pensions
5 410
-
25 617
-
income
6 019
-
45 633
-
total
13 732
-
82 157
-
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.

34 905
-
165 269
-
health
2 325
-
11 007
-
pensions
3 089
-
14 626
-
unemployment
21
-
99
-
total
5 435
-
25 732
-
Corporate
150 661
191 000
-
-
income
28 625
36 290
-
-
total
28 625
36 290
-
-
Dividends
122 036
154 710
-
-
withholding
18 306
23 207
-
-
total
18 306
23 207
-
-
Income
191 000
191 000
191 000
191 000
Total tax
66 098
59 497
107 889
103 741
After tax
124 902
131 503
83 111
87 259
Living cost
21 172
21 172
21 172
21 172
Free-cash
103 730
110 331
61 939
66 087

Estimated living cost  is ₽21172 per week

₽14530
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1357
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽410
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.
₽4876
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
₽94086
₽103981
₽128723
₽91327
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.

-
-
-
191 000
income
-
-
-
28 651
health

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

-
-
-
4 973
total
-
-
-
33 624
Employee
36 210
-
187 369
-
social contributions
3 628
-
3 631
-
income
3 929
-
51 104
-
total
7 557
-
54 735
-
Employer
36 210
-
187 369
-
social contributions
3 628
-
3 631
-
total
3 628
-
3 631
-
Corporate
151 162
191 000
-
-
income
52 906
66 850
-
-
total
52 906
66 850
-
-
Dividends
98 256
124 150
-
-
social contributions
4 170
4 170
-
-
total
4 170
4 170
-
-
Income
191 000
191 000
191 000
191 000
Total tax
68 261
71 020
58 366
33 624
After tax
122 739
119 980
132 634
157 376
Living cost
28 653
28 653
28 653
28 653
Free-cash
94 086
91 327
103 981
128 723

Estimated living cost  is ₽28653 per week

₽18874
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2259
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽439
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.
₽7081
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
₽100199
₽100457
₽105921
₽99788
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
-
-
-
191 000
income
-
-
-
28 651
health
-
-
-
13 331
social contributions
-
-
-
26 359
total
-
-
-
68 341
Employee
26 763
-
191 000
-
health
1 868
-
13 331
-
income
4 464
-
34 115
-
social contributions
3 694
-
26 359
-
total
10 026
-
73 805
-
Employer
26 763
-
191 000
-
total
-
-
-
-
Corporate
164 237
191 000
-
-
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%.

8 212
9 551
-
-
total
8 212
9 551
-
-
Dividends
156 025
181 449
-
-
social contributions
21 531
25 041
-
-
withholding
23 403
27 217
-
-
health
10 891
12 665
-
-
total
55 825
64 923
-
-
Income
191 000
191 000
191 000
191 000
Total tax
74 063
74 474
73 805
68 341
After tax
116 937
116 526
117 195
122 659
Living cost
16 738
16 738
16 738
16 738
Free-cash
100 199
99 788
100 457
105 921

Estimated living cost  is ₽16738 per week

₽11201
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1032
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽385
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.
₽4118
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
₽101523
₽84160
₽92829
₽109406
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
-
-
-
191 000
income
-
-
-
20 912
health
-
-
-
25 785
social contributions
-
-
-
25 804
solidarity contribution
-
-
-
3 573
total
-
-
-
76 074
Employee
32 496
-
154 961
-
health
4 387
-
20 920
-
solidarity contribution
-
-
2 795
-
income
3 899
-
19 245
-
social contributions
2 112
-
5 744
-
total
10 398
-
48 704
-
Employer
32 496
-
154 961
-
health
2 925
-
13 947
-
social contributions
8 124
-
22 092
-
total
11 049
-
36 039
-
Corporate
147 456
191 000
-
-
income
28 017
36 290
-
-
total
28 017
36 290
-
-
Dividends
119 439
154 710
-
-
withholding
17 916
23 207
-
-
total
17 916
23 207
-
-
Income
191 000
191 000
191 000
191 000
Total tax
67 380
59 497
84 743
76 074
After tax
123 620
131 503
106 257
114 926
Living cost
22 097
22 097
22 097
22 097
Free-cash
101 523
109 406
84 160
92 829

Estimated living cost  is ₽22097 per week

₽16433
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1224
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽382
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.
₽4058
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
₽170354
₽143456
₽179746
₽172106
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%.

-
-
-
191 000
microenterprise

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

-
-
-
1 910
total
-
-
-
1 910
Employee
11 681
-
191 000
-
income
2 336
-
38 200
-
total
2 336
-
38 200
-
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%.

179 319
191 000
-
-
total
-
-
-
-
Dividends
179 319
191 000
-
-
withholding
8 966
9 550
-
-
total
8 966
9 550
-
-
Income
191 000
191 000
191 000
191 000
Total tax
11 302
9 550
38 200
1 910
After tax
179 698
181 450
152 800
189 090
Living cost
9 344
9 344
9 344
9 344
Free-cash
170 354
172 106
143 456
179 746

Estimated living cost  is ₽9344 per week

₽6323
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽392
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽313
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.
₽2315
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
₽63564
₽58783
₽65229
₽58140
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
-
-
-
191 000
income
-
-
-
37 479
other
-
-
-
5 921
health
-
-
-
9 699
social contributions
-
-
-
5 442
pensions
-
-
-
29 106
surtax
-
-
-
-
total
-
-
-
87 647
Employee
49 438
-
145 100
-
pensions
5 592
-
11 218
-
income
4 314
-
32 843
-
social contributions
1 408
-
4 134
-
surtax
-
-
-
-
total
11 314
-
48 195
-
Employer
49 438
-
145 100
-
health
3 460
-
14 761
-
social contributions
148
-
436
-
pensions
8 123
-
18 684
-
unemployment
2 003
-
5 876
-
other
1 706
-
6 141
-
total
15 440
-
45 898
-
Corporate
126 122
191 000
-
-
income
35 315
53 480
-
-
surtax
-
-
-
-
total
35 315
53 480
-
-
Dividends
90 807
137 520
-
-
social contributions
15 619
23 654
-
-
surtax
-
-
-
-
withholding
11 624
17 602
-
-
total
27 243
41 256
-
-
Income
191 000
191 000
191 000
191 000
Total tax
89 312
94 736
94 093
87 647
After tax
101 688
96 264
96 907
103 353
Living cost
38 124
38 124
38 124
38 124
Free-cash
63 564
58 140
58 783
65 229

Estimated living cost  is ₽38124 per week

₽25802
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3119
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽523
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.
₽8680
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
₽120526
₽110959
₽110960
₽124395
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.

-
-
-
191 000
pensions
-
-
-
15 114
unemployment
-
-
-
872
income
-
-
-
44 464
health
-
-
-
5 987
total
-
-
-
66 437
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.

20 512
-
180 595
-
health
1 056
-
2 994
-
unemployment
154
-
436
-
pensions
2 872
-
8 138
-
income
2 827
-
44 464
-
total
6 909
-
56 032
-
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.

20 512
-
180 595
-
health
1 056
-
2 994
-
pensions
2 461
-
6 976
-
unemployment
154
-
436
-
total
3 671
-
10 406
-
Corporate
166 816
191 000
-
-
income
25 022
28 650
-
-
total
25 022
28 650
-
-
Dividends
141 794
162 350
-
-
withholding
21 269
24 352
-
-
total
21 269
24 352
-
-
Income
191 000
191 000
191 000
191 000
Total tax
56 871
53 002
66 438
66 437
After tax
134 129
137 998
124 562
124 563
Living cost
13 603
13 603
13 603
13 603
Free-cash
120 526
124 395
110 959
110 960

Estimated living cost  is ₽13603 per week

₽9159
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1052
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽394
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.
₽2998
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
₽56581
₽89828
₽95082
₽33576
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
-
-
-
191 000
pensions
-
-
-
17 572
city
-
-
-
2 013
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.

-
-
-
3 819
health
-
-
-
429
regional
-
-
-
11 727
national
-
-
-
6 596
total
-
-
-
42 156
Employee
62 915
-
172 706
-
health
142
-
388
-
unemployment
-
-
-
-
city
675
-
1 879
-
pensions
5 286
-
12 552
-
regional
2 060
-
10 596
-
national
298
-
5 600
-
total
8 461
-
31 015
-
Employer
62 915
-
172 706
-
health
142
-
388
-
pensions
5 286
-
12 552
-
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.

1 258
-
3 455
-
total
6 686
-
16 395
-
Corporate
120 707
191 000
-
-
regional
25 530
40 397
-
-
national
10 259
16 236
-
-
total
35 789
56 633
-
-
Dividends
84 918
134 367
-
-
withholding
29 721
47 029
-
-
total
29 721
47 029
-
-
Income
191 000
191 000
191 000
191 000
Total tax
80 657
103 662
47 410
42 156
After tax
110 343
87 338
143 590
148 844
Living cost
53 762
53 762
53 762
53 762
Free-cash
56 581
33 576
89 828
95 082

Estimated living cost  is ₽53762 per week

₽34961
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4825
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽660
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.
₽13317
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
₽88590
₽63461
₽85338
₽86091
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

-
-
-
191 000
municipal
-
-
-
33 910
health
-
-
-
2 612
national
-
-
-
38 835
total
-
-
-
75 357
Employee
41 529
-
160 681
-
health
310
-
2 145
-
unemployment
623
-
2 410
-
pensions
2 803
-
10 846
-
national
686
-
25 363
-
municipal
6 802
-
26 151
-
total
11 224
-
66 915
-
Employer
41 529
-
160 681
-
health
319
-
1 237
-
pensions
7 205
-
27 878
-
accident
42
-
160
-
unemployment
270
-
1 044
-
total
7 836
-
30 319
-
Corporate
141 636
191 000
-
-
income
28 327
38 200
-
-
total
28 327
38 200
-
-
Dividends

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

84 982
114 600
-
-
municipal
15 297
20 628
-
-
national
9 421
15 776
-
-
total
24 718
36 404
-
-
Income
191 000
191 000
191 000
191 000
Total tax
72 105
74 604
97 234
75 357
After tax
118 895
116 396
93 766
115 643
Living cost
30 305
30 305
30 305
30 305
Free-cash
88 590
86 091
63 461
85 338

Estimated living cost  is ₽30305 per week

₽19795
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2915
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽482
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.
₽7114
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
₽66094
₽35565
₽54362
₽75284
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
-
-
-
191 000
communal

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

-
-
-
10 279
social contributions
-
-
-
19 679
national
-
-
-
77 900
total
-
-
-
107 858
Employee

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

56 462
-
147 935
-
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.

2 653
-
6 953
-
communal

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

2 945
-
7 716
-
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.

491
-
1 287
-
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.

4 235
-
11 095
-
national
17 359
-
56 539
-
total
27 683
-
83 590
-
Employer

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

56 462
-
147 935
-
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.

3 472
-
9 098
-
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.

5 003
-
13 107
-
surtax
6 402
-
16 777
-
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.

734
-
1 923
-
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.

824
-
2 160
-
total
16 435
-
43 065
-
Corporate
118 103
191 000
-
-
income
23 621
41 909
-
-
surtax
472
839
-
-
total
24 093
42 748
-
-
Dividends
94 011
148 253
-
-
withholding

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

27 915
44 188
-
-
total
27 915
44 188
-
-
Income
191 000
191 000
191 000
191 000
Total tax
96 126
86 936
126 655
107 858
After tax
94 874
104 064
64 345
83 142
Living cost
28 780
28 780
28 780
28 780
Free-cash
66 094
75 284
35 565
54 362

Estimated living cost  is ₽28780 per week

₽18538
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2516
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽451
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.
₽7275
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
₽69407
₽60644
₽61472
₽70172
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
-
-
-
191 000
unemployment
-
-
-
75
municipal
-
-
-
50 497
other
-
-
-
8 688
health
-
-
-
4 665
national
-
-
-
23 258
accident
-
-
-
149
pensions
-
-
-
8 082
total
-
-
-
95 414
Employee
48 610
-
167 508
-
national
-
-
22 800
-
municipal
14 495
-
49 951
-
total
14 495
-
72 751
-
Employer
48 610
-
167 508
-
health
2 989
-
4 598
-
pensions
5 255
-
8 082
-
accident
97
-
149
-
unemployment
1 283
-
1 974
-
other
5 649
-
8 688
-
total
15 273
-
23 491
-
Corporate
127 117
191 000
-
-
income
27 966
42 020
-
-
total
27 966
42 020
-
-
Dividends
99 151
148 980
-
-
withholding
29 745
44 694
-
-
total
29 745
44 694
-
-
Income
191 000
191 000
191 000
191 000
Total tax
87 479
86 714
96 242
95 414
After tax
103 521
104 286
94 758
95 586
Living cost
34 114
34 114
34 114
34 114
Free-cash
69 407
70 172
60 644
61 472

Estimated living cost  is ₽34114 per week

₽22610
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3348
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽518
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.
₽7639
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
₽36442
₽141493
₽94057
₽78265
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
-
-
-
191 000
income
-
-
-
37 230
social contributions
-
-
-
21 774
total
-
-
-
59 004
Employee
54 400
-
-
-
income
11 999
-
-
-
social contributions
4 461
-
636
-
total
16 460
-
636
-
Employer
54 400
-
-
-
social contributions
76 704
-
10 932
-
total
76 704
-
10 932
-
Corporate
59 897
191 000
-
-
income
13 177
42 020
-
-
total
13 177
42 020
-
-
Dividends
46 719
148 980
-
-
income
10 278
32 776
-
-
total
10 278
32 776
-
-
Income
191 000
191 000
191 000
191 000
Total tax
116 619
74 796
11 568
59 004
After tax
74 381
116 204
179 432
131 996
Living cost
37 939
37 939
37 939
37 939
Free-cash
36 442
78 265
141 493
94 057

Estimated living cost  is ₽37939 per week

₽24617
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3568
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽483
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.
₽9271
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
₽110291
₽100805
₽102344
₽113566
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
-
-
-
191 000
income
-
-
-
45 412
health
-
-
-
4 871
social contributions
-
-
-
12 771
total
-
-
-
63 054
Employee
60 696
60 696
180 859
-
health
604
1 032
3 075
-
income
6 374
5 619
44 582
-
social contributions
2 949
5 037
6 795
-
total
9 927
11 688
54 452
-
Employer
60 696
60 696
180 859
-
health
658
1 123
3 346
-
social contributions
2 949
5 037
6 795
-
total
3 607
6 160
10 141
-
Corporate
151 864
124 143
-
-
income
18 983
15 518
-
-
total
18 983
15 518
-
-
Dividends
132 881
108 625
-
-
withholding
22 590
18 466
-
-
total
22 590
18 466
-
-
Income
191 000
191 000
191 000
191 000
Total tax
55 107
51 832
64 593
63 054
After tax
135 893
139 168
126 407
127 946
Living cost
25 602
25 602
25 602
25 602
Free-cash
110 291
113 566
100 805
102 344

Estimated living cost  is ₽25602 per week

₽17502
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2000
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽430
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.
₽5671
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
₽95155
₽77203
₽94173
₽90665
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
-
-
-
191 000
income
-
-
-
60 684
pensions
-
-
-
7 971
total
-
-
-
68 655
Employee
38 670
-
166 318
-
health
504
-
2 188
-
pensions
2 951
-
9 386
-
income
7 042
-
49 369
-
total
10 497
-
60 943
-
Employer
38 670
-
166 318
-
health
735
-
3 160
-
pensions
3 907
-
21 522
-
total
4 642
-
24 682
-
Corporate
147 689
191 000
-
-
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.

28 061
36 289
-
-
total
28 061
36 289
-
-
Dividends
119 627
154 711
-
-
withholding
24 473
35 874
-
-
total
24 473
35 874
-
-
Income
191 000
191 000
191 000
191 000
Total tax
67 673
72 163
85 625
68 655
After tax
123 327
118 837
105 375
122 345
Living cost
28 172
28 172
28 172
28 172
Free-cash
95 155
90 665
77 203
94 173

Estimated living cost  is ₽28172 per week

₽19326
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2591
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽352
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.
₽5901
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
₽65571
₽52509
₽58993
₽69160
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
-
-
-
191 000
municipal
-
-
-
1 363
regional
-
-
-
4 781
social contributions
-
-
-
39 506
national
-
-
-
54 912
total
-
-
-
100 562
Employee
66 514
-
191 000
-
social contributions
22 428
-
51 793
-
regional
1 004
-
4 372
-
national
11 240
-
49 629
-
municipal
397
-
1 252
-
total
35 069
-
107 046
-
Employer
66 514
-
191 000
-
total
-
-
-
-
Corporate
124 486
191 000
-
-
nationa
29 876
45 841
-
-
municipal
6 001
9 206
-
-
total
35 877
55 047
-
-
Dividends
88 609
135 953
-
-
withholding
23 038
35 348
-
-
total
23 038
35 348
-
-
Income
191 000
191 000
191 000
191 000
Total tax
93 984
90 395
107 046
100 562
After tax
97 016
100 605
83 954
90 438
Living cost
31 445
31 445
31 445
31 445
Free-cash
65 571
69 160
52 509
58 993

Estimated living cost  is ₽31445 per week

₽22088
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2163
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽475
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.
₽6718
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
₽12894
₽88922
₽113558
-₽1336
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
-
-
-
191 000
pensions
-
-
-
3 179
income
-
-
-
55 314
other
-
-
-
283
health
-
-
-
1 666
accident
-
-
-
193
total
-
-
-
60 635
Employee
26 438
-
175 358
-
health
3 027
-
20 079
-
pensions
2 977
-
5 829
-
income
3 627
-
43 721
-
total
9 631
-
69 629
-
Employer
26 438
-
175 358
-
pensions
4 299
-
8 417
-
accident
441
-
2 929
-
unemployment
648
-
4 296
-
total
5 388
-
15 642
-
Corporate
159 173
191 000
-
-
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.

143 256
171 900
-
-
total
143 256
171 900
-
-
Dividends
15 917
19 100
-
-
withholding
3 024
3 629
-
-
total
3 024
3 629
-
-
Income
191 000
191 000
191 000
191 000
Total tax
161 299
175 529
85 271
60 635
After tax
29 701
15 471
105 729
130 365
Living cost
16 807
16 807
16 807
16 807
Free-cash
12 894
-1 336
88 922
113 558

Estimated living cost  is ₽16807 per week

₽12318
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.
₽3207
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
₽78066
₽86767
₽64625
₽67737
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.

-
-
-
191 000
trade
-
-
-
22 142
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.

-
-
-
64 803
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.

-
-
-
5 392
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
-
-
-
95 901
Employee

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

39 274
-
191 000
-
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.

5 392
-
5 392
-
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.

3 229
-
64 803
-
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.

178
-
3 564
-
total
8 799
-
73 759
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
151 726
191 000
-
-
income
22 759
28 651
-
-
trade
21 772
27 409
-
-
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
1 576
-
-
chamber of commerce
343
400
-
-
total
46 126
58 036
-
-
Dividends
105 599
132 965
-
-
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
1 812
-
-
withholding
26 100
32 941
-
-
total
27 535
34 753
-
-
Income
191 000
191 000
191 000
191 000
Total tax
82 460
92 789
73 759
95 901
After tax
108 540
98 211
117 241
95 099
Living cost
30 474
30 474
30 474
30 474
Free-cash
78 066
67 737
86 767
64 625

Estimated living cost  is ₽30474 per week

₽21022
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3279
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽442
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.
₽5731
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
₽129904
₽67324
₽53952
₽136378
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.

-
-
-
191 000
income
-
-
-
41 678
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.

-
-
-
30 243
surtax
-
-
-
48 705
total
-
-
-
120 626
Employee
23 065
-
151 656
-
income
4 106
-
35 571
-
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.

2 537
-
10 348
-
surtax
-
-
21 991
-
total
6 643
-
67 910
-
Employer
23 065
-
151 656
-
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.

5 556
-
22 662
-
surtax
-
-
16 682
-
total
5 556
-
39 344
-
Corporate
162 380
191 000
-
-
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%.

32 476
38 200
-
-
total
32 476
38 200
-
-
Dividends

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

129 903
152 800
-
-
total
-
-
-
-
Income
191 000
191 000
191 000
191 000
Total tax
44 675
38 200
107 254
120 626
After tax
146 325
152 800
83 746
70 374
Living cost
16 422
16 422
16 422
16 422
Free-cash
129 904
136 378
67 324
53 952

Estimated living cost  is ₽16422 per week

₽10476
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1564
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽373
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.
₽4008
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
₽107799
₽107935
₽108630
₽109406
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
-
-
-
191 000
income
-
-
-
60 289
health
-
-
-
5 171
pensions
-
-
-
7 132
total
-
-
-
72 592
Employee
14 893
-
182 976
-
health
745
-
1 783
-
unemployment
149
-
357
-
pensions
1 340
-
3 209
-
income
2 881
-
59 914
-
total
5 115
-
65 263
-
Employer
14 893
-
182 976
-
health
1 415
-
3 388
-
pensions
1 638
-
3 923
-
unemployment
298
-
713
-
total
3 351
-
8 024
-
Corporate
172 756
191 000
-
-
income
38 007
42 020
-
-
total
38 007
42 020
-
-
Dividends
134 750
148 980
-
-
withholding
26 950
29 796
-
-
total
26 950
29 796
-
-
Income
191 000
191 000
191 000
191 000
Total tax
73 423
71 816
73 287
72 592
After tax
117 577
119 184
117 713
118 408
Living cost
9 778
9 778
9 778
9 778
Free-cash
107 799
109 406
107 935
108 630

Estimated living cost  is ₽9778 per week

₽5811
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽793
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽224
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.
₽2951
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
₽99899
₽67141
₽71968
₽102410
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
-
-
-
191 000
pensions
-
-
-
21 070
unemployment
-
-
-
180
income
-
-
-
61 937
other
-
-
-
-
health
-
-
-
7 479
surtax
-
-
-
10 637
total
-
-
-
101 303
Employee
26 582
-
168 825
-
health
679
-
2 686
-
unemployment
1 850
-
7 332
-
pensions
1 774
-
7 027
-
income
4 456
-
57 217
-
other
-
-
-
-
surtax
94
-
9 693
-
total
8 853
-
83 955
-
Employer
26 582
-
168 825
-
health
1 209
-
4 793
-
pensions
3 544
-
14 043
-
unemployment
843
-
3 339
-
other
-
-
-
-
total
5 596
-
22 175
-
Corporate
158 822
191 000
-
-
income
41 294
49 660
-
-
total
41 294
49 660
-
-
Dividends
117 527
141 340
-
-
withholding
17 629
21 201
-
-
total
17 629
21 201
-
-
Income
191 000
191 000
191 000
191 000
Total tax
73 372
70 861
106 130
101 303
After tax
117 628
120 139
84 870
89 697
Living cost
17 729
17 729
17 729
17 729
Free-cash
99 899
102 410
67 141
71 968

Estimated living cost  is ₽17729 per week

₽10704
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1541
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽412
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.
₽5073
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
₽79693
₽24627
₽72602
₽80085
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
-
-
-
191 000
pensions
-
-
-
17 060
chamber of commerce