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
₽ 191500
per

Your estimated
City
free-cash

Valencia , Spain
₽101921
₽81962
₽85260
₽105392
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
-
-
-
191 500
unemployment
-
-
-
510
income
-
-
-
62 768
other
-
-
-
73
accident
-
-
-
656
pensions
-
-
-
20 618
total
-
-
-
84 625
Employee
29 064
-
168 273
-
unemployment
450
-
1 129
-
pensions
1 366
-
3 425
-
income
5 603
-
60 070
-
other
28
-
73
-
total
7 447
-
64 697
-
Employer
29 064
-
168 273
-
pensions
6 859
-
17 194
-
accident
576
-
1 442
-
unemployment
1 599
-
4 007
-
other
233
-
583
-
total
9 267
-
23 226
-
Corporate
153 169
191 500
-
-
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.

22 976
28 725
-
-
total
22 976
28 725
-
-
Dividends
130 193
162 775
-
-
withholding
28 274
35 768
-
-
total
28 274
35 768
-
-
Income
191 500
191 500
191 500
191 500
Total tax
67 964
64 493
87 923
84 625
After tax
123 536
127 007
103 577
106 875
Living cost
21 615
21 615
21 615
21 615
Free-cash
101 921
105 392
81 962
85 260

Estimated living cost  is ₽21615 per week

₽14590
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2078
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽379
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.
₽4569
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
₽114442
₽94738
₽96289
₽119751
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
-
-
-
191 500
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.

-
-
-
28 687
income
-
-
-
34 642
other
-
-
-
5 677
health
-
-
-
5 260
total
-
-
-
74 266
Employee
28 540
-
161 046
-
health
400
-
1 674
-
unemployment
285
-
1 195
-
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.

1 997
-
8 367
-
income
4 914
-
34 126
-
total
7 596
-
45 362
-
Employer
28 540
-
161 046
-
health
400
-
1 674
-
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.

4 852
-
20 321
-
accident
228
-
1 289
-
unemployment
285
-
1 195
-
other
1 428
-
5 976
-
total
7 193
-
30 455
-
Corporate
155 767
191 500
-
-
income
32 710
40 215
-
-
total
32 710
40 215
-
-
Dividends
123 057
151 285
-
-
withholding
8 614
10 589
-
-
total
8 614
10 589
-
-
Income
191 500
191 500
191 500
191 500
Total tax
56 113
50 804
75 817
74 266
After tax
135 387
140 696
115 683
117 234
Living cost
20 945
20 945
20 945
20 945
Free-cash
114 442
119 751
94 738
96 289

Estimated living cost  is ₽20945 per week

₽14799
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1414
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽337
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.
₽4394
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
₽149780
₽153228
₽145145
₽153430
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
-
-
-
191 500
pensions

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

-
-
-
4 062
unemployment
-
-
-
110
income
-
-
-
28 725
health
-
-
-
3 156
total
-
-
-
36 053
Employee
13 641
-
186 115
-
health
627
-
1 262
-
accident

We are using the highest rate at 1.1%.

150
-
302
-
pensions

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

1 198
-
2 410
-
income
1 364
-
18 611
-
total
3 339
-
22 585
-
Employer
13 641
-
186 115
-
health
942
-
1 894
-
pensions

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

1 503
-
3 024
-
accident

We are using the highest rate at 1.1%.

150
-
302
-
unemployment
82
-
165
-
total
2 677
-
5 385
-
Corporate
175 183
191 500
-
-
income
17 518
19 150
-
-
total
17 518
19 150
-
-
Dividends
157 665
172 350
-
-
withholding
7 884
8 618
-
-
total
7 884
8 618
-
-
Income
191 500
191 500
191 500
191 500
Total tax
31 418
27 768
27 970
36 053
After tax
160 082
163 732
163 530
155 447
Living cost
10 302
10 302
10 302
10 302
Free-cash
149 780
153 430
153 228
145 145

Estimated living cost  is ₽10302 per week

₽6014
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽736
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽273
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.
₽3279
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
₽74265
₽70085
₽76628
₽69622
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
-
-
-
191 500
income
-
-
-
37 743
other
-
-
-
5 937
health
-
-
-
9 752
social contributions
-
-
-
5 456
pensions
-
-
-
29 091
surtax
-
-
-
-
total
-
-
-
87 979
Employee
33 641
-
145 429
-
pensions
3 804
-
11 265
-
income
1 985
-
33 041
-
social contributions
959
-
4 144
-
surtax
-
-
-
-
total
6 748
-
48 450
-
Employer
33 641
-
145 429
-
health
2 355
-
14 821
-
social contributions
101
-
436
-
pensions
5 527
-
18 760
-
unemployment
1 362
-
5 891
-
other
1 161
-
6 164
-
total
10 506
-
46 072
-
Corporate
147 353
191 500
-
-
income
41 259
53 620
-
-
surtax
-
-
-
-
total
41 259
53 620
-
-
Dividends
106 094
137 880
-
-
social contributions
18 249
23 716
-
-
surtax
-
-
-
-
withholding
13 580
17 649
-
-
total
31 829
41 365
-
-
Income
191 500
191 500
191 500
191 500
Total tax
90 342
94 985
94 522
87 979
After tax
101 158
96 515
96 978
103 521
Living cost
26 893
26 893
26 893
26 893
Free-cash
74 265
69 622
70 085
76 628

Estimated living cost  is ₽26893 per week

₽16957
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2187
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽458
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.
₽7293
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
₽57857
₽89519
₽69105
₽62676
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
-
-
-
191 500
pensions
-
-
-
9 209
income
-
-
-
70 565
health
-
-
-
9 693
total
-
-
-
89 467
Employee
67 124
67 124
176 892
-
health
10 303
8 763
9 693
-
pensions
12 082
9 209
9 209
-
income

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

10 987
10 987
35 543
-
total
33 372
28 959
54 445
-
Employer
67 124
67 124
176 892
-
health
4 666
4 666
5 798
-
pensions
4 672
4 672
5 807
-
unemployment
2 416
2 416
3 003
-
total
11 754
11 754
14 608
-
Corporate
113 445
112 621
-
-
income
22 690
22 524
-
-
total
22 690
22 524
-
-
Dividends
90 755
90 097
-
-
income
19 286
19 145
-
-
withholding
13 613
13 514
-
-
total
32 899
32 659
-
-
Income
191 500
191 500
191 500
191 500
Total tax
100 715
95 896
69 053
89 467
After tax
90 785
95 604
122 447
102 033
Living cost
32 928
32 928
32 928
32 928
Free-cash
57 857
62 676
89 519
69 105

Estimated living cost  is ₽32928 per week

₽23335
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2968
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽524
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.
₽6101
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
₽81382
₽93668
₽69263
₽72691
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.

-
-
-
191 500
trade
-
-
-
24 405
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.

-
-
-
65 076
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.

-
-
-
5 370
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.

-
-
-
3 578
total
-
-
-
98 429
Employee

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

30 064
-
191 500
-
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.

5 370
-
5 370
-
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.

840
-
65 076
-
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
-
3 578
-
total
6 256
-
74 024
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
161 436
191 500
-
-
income
24 216
28 725
-
-
trade
25 427
30 161
-
-
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.

1 332
1 580
-
-
chamber of commerce
352
394
-
-
total
51 327
60 860
-
-
Dividends
110 109
130 641
-
-
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.

1 498
1 780
-
-
withholding
27 229
32 361
-
-
total
28 727
34 141
-
-
Income
191 500
191 500
191 500
191 500
Total tax
86 310
95 001
74 024
98 429
After tax
105 190
96 499
117 476
93 071
Living cost
23 808
23 808
23 808
23 808
Free-cash
81 382
72 691
93 668
69 263

Estimated living cost  is ₽23808 per week

₽14976
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2776
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.
₽5612
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
₽117053
₽108495
₽110035
₽121329
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
-
-
-
191 500
income
-
-
-
45 664
health
-
-
-
4 884
social contributions
-
-
-
12 718
total
-
-
-
63 266
Employee
60 443
60 443
181 378
-
health
468
1 028
3 083
-
income
6 581
5 595
44 835
-
social contributions
2 285
5 016
6 766
-
total
9 334
11 639
54 684
-
Employer
60 443
60 443
181 378
-
health
509
1 119
3 356
-
social contributions
2 285
5 016
6 766
-
total
2 794
6 135
10 122
-
Corporate
161 172
124 922
-
-
income
20 146
15 615
-
-
total
20 146
15 615
-
-
Dividends
141 026
109 308
-
-
withholding
23 974
18 583
-
-
total
23 974
18 583
-
-
Income
191 500
191 500
191 500
191 500
Total tax
56 248
51 972
64 806
63 266
After tax
135 252
139 528
126 694
128 234
Living cost
18 199
18 199
18 199
18 199
Free-cash
117 053
121 329
108 495
110 035

Estimated living cost  is ₽18199 per week

₽10907
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1786
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽403
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.
₽5104
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
₽83477
₽58996
₽74499
₽84270
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.

-
-
-
191 500
income
-
-
-
25 800
social contributions

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

-
-
-
66 546
surtax
-
-
-
-
total
-
-
-
92 346
Employee
36 152
-
154 747
-
income
7 520
-
53 614
-
social contributions
3 977
-
17 023
-
surtax
-
-
459
-
total
11 497
-
71 096
-
Employer
36 152
-
154 747
-
social contributions
8 586
-
36 753
-
total
8 586
-
36 753
-
Corporate
146 762
191 500
-
-
income
30 821
40 215
-
-
surtax
-
-
-
-
total
30 821
40 215
-
-
Dividends
115 942
151 285
-
-
withholding
32 464
42 360
-
-
total
32 464
42 360
-
-
Income
191 500
191 500
191 500
191 500
Total tax
83 368
82 575
107 849
92 346
After tax
108 132
108 925
83 651
99 154
Living cost
24 655
24 655
24 655
24 655
Free-cash
83 477
84 270
58 996
74 499

Estimated living cost  is ₽24655 per week

₽18447
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1454
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.
₽4342
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
₽174677
₽147096
₽183481
₽175821
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%.

-
-
-
191 500
microenterprise

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

-
-
-
1 915
total
-
-
-
1 915
Employee
7 629
-
191 500
-
income
1 526
-
38 300
-
total
1 526
-
38 300
-
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%.

183 871
191 500
-
-
total
-
-
-
-
Dividends
183 871
191 500
-
-
withholding
9 193
9 575
-
-
total
9 193
9 575
-
-
Income
191 500
191 500
191 500
191 500
Total tax
10 719
9 575
38 300
1 915
After tax
180 781
181 925
153 200
189 585
Living cost
6 104
6 104
6 104
6 104
Free-cash
174 677
175 821
147 096
183 481

Estimated living cost  is ₽6104 per week

₽3782
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽507
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽168
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.
₽1646
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
₽104190
₽62119
₽66275
₽110766
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.

-
-
-
191 500
pensions
-
-
-
34 973
unemployment
-
-
-
288
income
-
-
-
50 037
health
-
-
-
18 844
total
-
-
-
104 142
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.

34 759
-
165 700
-
health
2 245
-
10 704
-
unemployment
49
-
233
-
pensions
5 388
-
25 683
-
income
5 994
-
45 879
-
total
13 676
-
82 499
-
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.

34 759
-
165 700
-
health
2 315
-
11 035
-
pensions
3 076
-
14 664
-
unemployment
21
-
100
-
total
5 412
-
25 799
-
Corporate
151 330
191 500
-
-
income
28 753
36 384
-
-
total
28 753
36 384
-
-
Dividends
122 576
155 116
-
-
withholding
18 386
23 267
-
-
total
18 386
23 267
-
-
Income
191 500
191 500
191 500
191 500
Total tax
66 227
59 651
108 298
104 142
After tax
125 273
131 849
83 202
87 358
Living cost
21 083
21 083
21 083
21 083
Free-cash
104 190
110 766
62 119
66 275

Estimated living cost  is ₽21083 per week

₽14469
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1351
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽409
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.
₽4855
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
₽94535
₽104389
₽129272
₽91790
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.

-
-
-
191 500
income
-
-
-
28 725
health

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

-
-
-
4 970
total
-
-
-
33 695
Employee
36 059
-
187 884
-
social contributions
3 613
-
3 616
-
income
3 913
-
51 346
-
total
7 526
-
54 962
-
Employer
36 059
-
187 884
-
social contributions
3 613
-
3 616
-
total
3 613
-
3 616
-
Corporate
151 828
191 500
-
-
income
53 140
67 024
-
-
total
53 140
67 024
-
-
Dividends
98 688
124 476
-
-
social contributions
4 153
4 153
-
-
total
4 153
4 153
-
-
Income
191 500
191 500
191 500
191 500
Total tax
68 432
71 177
58 578
33 695
After tax
123 068
120 323
132 922
157 805
Living cost
28 533
28 533
28 533
28 533
Free-cash
94 535
91 790
104 389
129 272

Estimated living cost  is ₽28533 per week

₽18795
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2249
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽437
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.
₽7051
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
₽100573
₽100805
₽106312
₽100165
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
-
-
-
191 500
income
-
-
-
28 725
health
-
-
-
13 367
social contributions
-
-
-
26 428
total
-
-
-
68 520
Employee
26 651
-
191 500
-
health
1 860
-
13 367
-
income
4 445
-
34 232
-
social contributions
3 678
-
26 428
-
total
9 983
-
74 027
-
Employer
26 651
-
191 500
-
total
-
-
-
-
Corporate
164 849
191 500
-
-
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%.

8 243
9 575
-
-
total
8 243
9 575
-
-
Dividends
156 606
181 925
-
-
social contributions
21 611
25 106
-
-
withholding
23 491
27 288
-
-
health
10 931
12 698
-
-
total
56 033
65 092
-
-
Income
191 500
191 500
191 500
191 500
Total tax
74 259
74 667
74 027
68 520
After tax
117 241
116 833
117 473
122 980
Living cost
16 668
16 668
16 668
16 668
Free-cash
100 573
100 165
100 805
106 312

Estimated living cost  is ₽16668 per week

₽11155
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1028
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽383
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.
₽4101
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
₽101997
₽84617
₽93323
₽109846
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
-
-
-
191 500
income
-
-
-
20 993
health
-
-
-
25 852
social contributions
-
-
-
25 692
solidarity contribution
-
-
-
3 638
total
-
-
-
76 175
Employee
32 356
-
155 507
-
health
4 368
-
20 993
-
solidarity contribution
-
-
2 857
-
income
3 883
-
19 319
-
social contributions
2 103
-
5 719
-
total
10 354
-
48 888
-
Employer
32 356
-
155 507
-
health
2 912
-
13 996
-
social contributions
8 089
-
21 997
-
total
11 001
-
35 993
-
Corporate
148 144
191 500
-
-
income
28 147
36 385
-
-
total
28 147
36 385
-
-
Dividends
119 996
155 115
-
-
withholding
17 999
23 267
-
-
total
17 999
23 267
-
-
Income
191 500
191 500
191 500
191 500
Total tax
67 501
59 652
84 881
76 175
After tax
123 999
131 848
106 619
115 325
Living cost
22 002
22 002
22 002
22 002
Free-cash
101 997
109 846
84 617
93 323

Estimated living cost  is ₽22002 per week

₽16362
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1219
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽381
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.
₽4040
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
₽170630
₽143689
₽180074
₽172414
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%.

-
-
-
191 500
microenterprise

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

-
-
-
1 915
total
-
-
-
1 915
Employee
11 889
-
191 500
-
income
2 378
-
38 300
-
total
2 378
-
38 300
-
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%.

179 611
191 500
-
-
total
-
-
-
-
Dividends
179 611
191 500
-
-
withholding
8 981
9 575
-
-
total
8 981
9 575
-
-
Income
191 500
191 500
191 500
191 500
Total tax
11 359
9 575
38 300
1 915
After tax
180 141
181 925
153 200
189 585
Living cost
9 511
9 511
9 511
9 511
Free-cash
170 630
172 414
143 689
180 074

Estimated living cost  is ₽9511 per week

₽6436
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽399
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽319
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.
₽2356
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
₽63953
₽59013
₽65556
₽58550
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
-
-
-
191 500
income
-
-
-
37 743
other
-
-
-
5 937
health
-
-
-
9 752
social contributions
-
-
-
5 456
pensions
-
-
-
29 091
surtax
-
-
-
-
total
-
-
-
87 979
Employee
49 231
-
145 429
-
pensions
5 568
-
11 265
-
income
4 296
-
33 041
-
social contributions
1 402
-
4 144
-
surtax
-
-
-
-
total
11 266
-
48 450
-
Employer
49 231
-
145 429
-
health
3 446
-
14 821
-
social contributions
148
-
436
-
pensions
8 089
-
18 760
-
unemployment
1 994
-
5 891
-
other
1 699
-
6 164
-
total
15 376
-
46 072
-
Corporate
126 893
191 500
-
-
income
35 530
53 620
-
-
surtax
-
-
-
-
total
35 530
53 620
-
-
Dividends
91 363
137 880
-
-
social contributions
15 715
23 716
-
-
surtax
-
-
-
-
withholding
11 695
17 649
-
-
total
27 410
41 365
-
-
Income
191 500
191 500
191 500
191 500
Total tax
89 582
94 985
94 522
87 979
After tax
101 918
96 515
96 978
103 521
Living cost
37 965
37 965
37 965
37 965
Free-cash
63 953
58 550
59 013
65 556

Estimated living cost  is ₽37965 per week

₽25694
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3106
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽521
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.
₽8644
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
₽120950
₽111454
₽111452
₽124806
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.

-
-
-
191 500
pensions
-
-
-
15 059
unemployment
-
-
-
869
income
-
-
-
44 601
health
-
-
-
5 966
total
-
-
-
66 495
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.

20 437
-
181 133
-
health
1 053
-
2 983
-
unemployment
153
-
434
-
pensions
2 861
-
8 108
-
income
2 817
-
44 601
-
total
6 884
-
56 126
-
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.

20 437
-
181 133
-
health
1 053
-
2 983
-
pensions
2 452
-
6 950
-
unemployment
153
-
434
-
total
3 658
-
10 367
-
Corporate
167 404
191 500
-
-
income
25 111
28 725
-
-
total
25 111
28 725
-
-
Dividends
142 294
162 775
-
-
withholding
21 344
24 416
-
-
total
21 344
24 416
-
-
Income
191 500
191 500
191 500
191 500
Total tax
56 997
53 141
66 493
66 495
After tax
134 503
138 359
125 007
125 005
Living cost
13 553
13 553
13 553
13 553
Free-cash
120 950
124 806
111 454
111 452

Estimated living cost  is ₽13553 per week

₽9125
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1048
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽392
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.
₽2987
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
₽56985
₽90453
₽95663
₽34112
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
-
-
-
191 500
pensions
-
-
-
17 619
city
-
-
-
2 018
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.

-
-
-
3 830
health
-
-
-
431
regional
-
-
-
11 802
national
-
-
-
6 682
total
-
-
-
42 382
Employee
62 557
-
173 189
-
health
141
-
390
-
unemployment
-
-
-
-
city
671
-
1 884
-
pensions
5 256
-
12 551
-
regional
2 048
-
10 673
-
national
296
-
5 689
-
total
8 412
-
31 187
-
Employer
62 557
-
173 189
-
health
141
-
390
-
pensions
5 256
-
12 551
-
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.

1 251
-
3 464
-
total
6 648
-
16 405
-
Corporate
121 608
191 500
-
-
regional
25 721
40 503
-
-
national
10 337
16 278
-
-
total
36 058
56 781
-
-
Dividends
85 550
134 720
-
-
withholding
29 942
47 152
-
-
total
29 942
47 152
-
-
Income
191 500
191 500
191 500
191 500
Total tax
81 060
103 933
47 592
42 382
After tax
110 440
87 567
143 908
149 118
Living cost
53 455
53 455
53 455
53 455
Free-cash
56 985
34 112
90 453
95 663

Estimated living cost  is ₽53455 per week

₽34761
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4797
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽656
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.
₽13241
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
₽88952
₽63695
₽85630
₽86386
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

-
-
-
191 500
municipal
-
-
-
33 998
health
-
-
-
2 621
national
-
-
-
39 073
total
-
-
-
75 692
Employee
41 355
-
161 100
-
health
309
-
2 152
-
unemployment
621
-
2 416
-
pensions
2 791
-
10 874
-
national
683
-
25 566
-
municipal
6 774
-
26 219
-
total
11 178
-
67 227
-
Employer
41 355
-
161 100
-
health
318
-
1 241
-
pensions
7 175
-
27 951
-
accident
42
-
161
-
unemployment
268
-
1 047
-
total
7 803
-
30 400
-
Corporate
142 342
191 500
-
-
income
28 468
38 300
-
-
total
28 468
38 300
-
-
Dividends

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

85 405
114 900
-
-
municipal
15 373
20 682
-
-
national
9 548
15 954
-
-
total
24 921
36 636
-
-
Income
191 500
191 500
191 500
191 500
Total tax
72 370
74 936
97 627
75 692
After tax
119 130
116 564
93 873
115 808
Living cost
30 178
30 178
30 178
30 178
Free-cash
88 952
86 386
63 695
85 630

Estimated living cost  is ₽30178 per week

₽19712
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2903
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽480
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.
₽7084
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
₽66541
₽35800
₽54704
₽75610
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
-
-
-
191 500
communal

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

-
-
-
10 315
social contributions
-
-
-
19 597
national
-
-
-
78 224
total
-
-
-
108 136
Employee

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

56 226
-
148 323
-
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.

2 642
-
6 972
-
communal

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

2 933
-
7 736
-
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.

489
-
1 290
-
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.

4 217
-
11 125
-
national
17 286
-
56 740
-
total
27 567
-
83 863
-
Employer

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

56 226
-
148 323
-
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.

3 458
-
9 123
-
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.

4 982
-
13 141
-
surtax
6 375
-
16 820
-
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.

731
-
1 927
-
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.

820
-
2 166
-
total
16 366
-
43 177
-
Corporate
118 908
191 500
-
-
income
23 781
42 109
-
-
surtax
476
843
-
-
total
24 257
42 952
-
-
Dividends
94 651
148 548
-
-
withholding

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

28 109
44 278
-
-
total
28 109
44 278
-
-
Income
191 500
191 500
191 500
191 500
Total tax
96 299
87 230
127 040
108 136
After tax
95 201
104 270
64 460
83 364
Living cost
28 660
28 660
28 660
28 660
Free-cash
66 541
75 610
35 800
54 704

Estimated living cost  is ₽28660 per week

₽18461
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2506
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽449
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.
₽7245
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
₽69702
₽60886
₽61713
₽70467
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
-
-
-
191 500
unemployment
-
-
-
75
municipal
-
-
-
50 651
other
-
-
-
8 682
health
-
-
-
4 662
national
-
-
-
23 399
accident
-
-
-
149
pensions
-
-
-
8 077
total
-
-
-
95 695
Employee
48 578
-
168 024
-
national
-
-
22 941
-
municipal
14 486
-
50 105
-
total
14 486
-
73 046
-
Employer
48 578
-
168 024
-
health
2 988
-
4 595
-
pensions
5 251
-
8 077
-
accident
97
-
149
-
unemployment
1 282
-
1 973
-
other
5 645
-
8 682
-
total
15 263
-
23 476
-
Corporate
127 658
191 500
-
-
income
28 085
42 130
-
-
total
28 085
42 130
-
-
Dividends
99 573
149 370
-
-
withholding
29 872
44 811
-
-
total
29 872
44 811
-
-
Income
191 500
191 500
191 500
191 500
Total tax
87 706
86 941
96 522
95 695
After tax
103 794
104 559
94 978
95 805
Living cost
34 092
34 092
34 092
34 092
Free-cash
69 702
70 467
60 886
61 713

Estimated living cost  is ₽34092 per week

₽22595
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3345
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.
₽7634
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
₽36620
₽141915
₽94343
₽78510
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
-
-
-
191 500
income
-
-
-
37 327
social contributions
-
-
-
21 831
total
-
-
-
59 158
Employee
54 485
-
-
-
income
12 018
-
-
-
social contributions
4 468
-
637
-
total
16 486
-
637
-
Employer
54 485
-
-
-
social contributions
76 824
-
10 949
-
total
76 824
-
10 949
-
Corporate
60 192
191 500
-
-
income
13 242
42 130
-
-
total
13 242
42 130
-
-
Dividends
46 949
149 370
-
-
income
10 329
32 861
-
-
total
10 329
32 861
-
-
Income
191 500
191 500
191 500
191 500
Total tax
116 881
74 991
11 586
59 158
After tax
74 619
116 509
179 914
132 342
Living cost
37 999
37 999
37 999
37 999
Free-cash
36 620
78 510
141 915
94 343

Estimated living cost  is ₽37999 per week

₽24655
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3574
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽484
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.
₽9286
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
₽110774
₽101199
₽102739
₽114033
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
-
-
-
191 500
income
-
-
-
45 664
health
-
-
-
4 884
social contributions
-
-
-
12 718
total
-
-
-
63 266
Employee
60 443
60 443
181 378
-
health
601
1 028
3 083
-
income
6 347
5 595
44 835
-
social contributions
2 937
5 016
6 766
-
total
9 885
11 639
54 684
-
Employer
60 443
60 443
181 378
-
health
655
1 119
3 356
-
social contributions
2 937
5 016
6 766
-
total
3 592
6 135
10 122
-
Corporate
152 528
124 922
-
-
income
19 066
15 615
-
-
total
19 066
15 615
-
-
Dividends
133 461
109 308
-
-
withholding
22 688
18 583
-
-
total
22 688
18 583
-
-
Income
191 500
191 500
191 500
191 500
Total tax
55 231
51 972
64 806
63 266
After tax
136 269
139 528
126 694
128 234
Living cost
25 495
25 495
25 495
25 495
Free-cash
110 774
114 033
101 199
102 739

Estimated living cost  is ₽25495 per week

₽17428
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1991
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽428
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.
₽5647
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
₽95413
₽77425
₽94434
₽90913
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
-
-
-
191 500
income
-
-
-
60 856
pensions
-
-
-
7 989
total
-
-
-
68 845
Employee
38 737
-
166 751
-
health
505
-
2 194
-
pensions
2 957
-
9 404
-
income
7 054
-
49 511
-
total
10 516
-
61 109
-
Employer
38 737
-
166 751
-
health
736
-
3 167
-
pensions
3 914
-
21 578
-
total
4 650
-
24 745
-
Corporate
148 113
191 500
-
-
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.

28 141
36 385
-
-
total
28 141
36 385
-
-
Dividends
119 972
155 115
-
-
withholding
24 559
35 981
-
-
total
24 559
35 981
-
-
Income
191 500
191 500
191 500
191 500
Total tax
67 866
72 366
85 854
68 845
After tax
123 634
119 134
105 646
122 655
Living cost
28 221
28 221
28 221
28 221
Free-cash
95 413
90 913
77 425
94 434

Estimated living cost  is ₽28221 per week

₽19359
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2595
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽353
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.
₽5912
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
₽65980
₽52974
₽59432
₽69557
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
-
-
-
191 500
municipal
-
-
-
1 369
regional
-
-
-
4 804
social contributions
-
-
-
39 341
national
-
-
-
55 240
total
-
-
-
100 754
Employee
66 236
-
191 500
-
social contributions
22 335
-
51 577
-
regional
1 000
-
4 397
-
national
11 193
-
49 979
-
municipal
395
-
1 259
-
total
34 923
-
107 212
-
Employer
66 236
-
191 500
-
total
-
-
-
-
Corporate
125 264
191 500
-
-
nationa
30 063
45 959
-
-
municipal
6 038
9 230
-
-
total
36 101
55 189
-
-
Dividends
89 163
136 310
-
-
withholding
23 182
35 440
-
-
total
23 182
35 440
-
-
Income
191 500
191 500
191 500
191 500
Total tax
94 206
90 629
107 212
100 754
After tax
97 294
100 871
84 288
90 746
Living cost
31 314
31 314
31 314
31 314
Free-cash
65 980
69 557
52 974
59 432

Estimated living cost  is ₽31314 per week

₽21996
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2154
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽473
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.
₽6690
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
₽12936
₽89238
₽113917
-₽1276
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
-
-
-
191 500
pensions
-
-
-
3 175
income
-
-
-
55 481
other
-
-
-
283
health
-
-
-
1 664
accident
-
-
-
193
total
-
-
-
60 796
Employee
26 407
-
175 849
-
health
3 024
-
20 134
-
pensions
2 974
-
5 822
-
income
3 623
-
43 867
-
total
9 621
-
69 823
-
Employer
26 407
-
175 849
-
pensions
4 294
-
8 407
-
accident
441
-
2 937
-
unemployment
647
-
4 308
-
total
5 382
-
15 652
-
Corporate
159 711
191 500
-
-
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.

143 740
172 350
-
-
total
143 740
172 350
-
-
Dividends
15 971
19 150
-
-
withholding
3 034
3 639
-
-
total
3 034
3 639
-
-
Income
191 500
191 500
191 500
191 500
Total tax
161 777
175 989
85 475
60 796
After tax
29 723
15 511
106 025
130 704
Living cost
16 787
16 787
16 787
16 787
Free-cash
12 936
-1 276
89 238
113 917

Estimated living cost  is ₽16787 per week

₽12304
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽930
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.
₽3204
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
₽78404
₽87129
₽64893
₽68120
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.

-
-
-
191 500
trade
-
-
-
22 236
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.

-
-
-
65 076
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.

-
-
-
5 370
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.

-
-
-
3 578
total
-
-
-
96 260
Employee

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

39 110
-
191 500
-
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.

5 370
-
5 370
-
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.

3 216
-
65 076
-
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
-
3 578
-
total
8 764
-
74 024
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
152 390
191 500
-
-
income
22 858
28 725
-
-
trade
21 868
27 481
-
-
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.

1 257
1 580
-
-
chamber of commerce
343
400
-
-
total
46 326
58 186
-
-
Dividends
106 063
133 315
-
-
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.

1 442
1 817
-
-
withholding
26 217
33 030
-
-
total
27 659
34 847
-
-
Income
191 500
191 500
191 500
191 500
Total tax
82 749
93 033
74 024
96 260
After tax
108 751
98 467
117 476
95 240
Living cost
30 347
30 347
30 347
30 347
Free-cash
78 404
68 120
87 129
64 893

Estimated living cost  is ₽30347 per week

₽20934
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3265
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽440
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.
₽5707
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
₽130398
₽67678
₽54288
₽136847
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.

-
-
-
191 500
income
-
-
-
41 911
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.

-
-
-
30 116
surtax
-
-
-
48 832
total
-
-
-
120 859
Employee
22 968
-
152 192
-
income
4 089
-
35 789
-
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.

2 527
-
10 304
-
surtax
-
-
22 068
-
total
6 616
-
68 161
-
Employer
22 968
-
152 192
-
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.

5 533
-
22 567
-
surtax
-
-
16 741
-
total
5 533
-
39 308
-
Corporate
162 999
191 500
-
-
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%.

32 600
38 300
-
-
total
32 600
38 300
-
-
Dividends

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

130 399
153 200
-
-
total
-
-
-
-
Income
191 500
191 500
191 500
191 500
Total tax
44 749
38 300
107 469
120 859
After tax
146 751
153 200
84 031
70 641
Living cost
16 353
16 353
16 353
16 353
Free-cash
130 398
136 847
67 678
54 288

Estimated living cost  is ₽16353 per week

₽10433
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1557
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽371
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.
₽3992
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
₽108118
₽108267
₽108964
₽109723
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
-
-
-
191 500
income
-
-
-
60 467
health
-
-
-
5 168
pensions
-
-
-
7 128
total
-
-
-
72 763
Employee
14 885
-
183 481
-
health
744
-
1 782
-
unemployment
149
-
357
-
pensions
1 340
-
3 208
-
income
2 879
-
60 093
-
total
5 112
-
65 440
-
Employer
14 885
-
183 481
-
health
1 414
-
3 386
-
pensions
1 637
-
3 921
-
unemployment
298
-
713
-
total
3 349
-
8 020
-
Corporate
173 266
191 500
-
-
income
38 119
42 130
-
-
total
38 119
42 130
-
-
Dividends
135 148
149 370
-
-
withholding
27 029
29 874
-
-
total
27 029
29 874
-
-
Income
191 500
191 500
191 500
191 500
Total tax
73 609
72 004
73 460
72 763
After tax
117 891
119 496
118 040
118 737
Living cost
9 773
9 773
9 773
9 773
Free-cash
108 118
109 723
108 267
108 964

Estimated living cost  is ₽9773 per week

₽5807
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽792
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.
₽2949
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
₽100297
₽67459
₽72264
₽102799
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
-
-
-
191 500
pensions
-
-
-
20 982
unemployment
-
-
-
179
income
-
-
-
62 263
other
-
-
-
-
health
-
-
-
7 448
surtax
-
-
-
10 709
total
-
-
-
101 581
Employee
26 471
-
169 418
-
health
676
-
2 675
-
unemployment
1 842
-
7 302
-
pensions
1 766
-
6 997
-
income
4 438
-
57 561
-
other
-
-
-
-
surtax
94
-
9 769
-
total
8 816
-
84 304
-
Employer
26 471
-
169 418
-
health
1 204
-
4 773
-
pensions
3 529
-
13 984
-
unemployment
840
-
3 325
-
other
-
-
-
-
total
5 573
-
22 082
-
Corporate
159 456
191 500
-
-
income
41 459
49 790
-
-
total
41 459
49 790
-
-
Dividends
117 997
141 710
-
-
withholding
17 700
21 256
-
-
total
17 700
21 256
-
-
Income
191 500
191 500
191 500
191 500
Total tax
73 548
71 046
106 386
101 581
After tax
117 952
120 454
85 114
89 919
Living cost
17 655
17 655
17 655
17 655
Free-cash
100 297
102 799
67 459
72 264

Estimated living cost  is ₽17655 per week

₽10659
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1535
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.
₽5052
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
₽80069
₽24828
₽72943
₽80457
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
-
-
-
191 500
pensions
-
-
-
16 988
chamber of commerce