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
₽ 21000
per

Your estimated
City
free-cash

Valencia , Spain
-₽21928
-₽16302
-₽12301
-₽9907
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
-
-
-
21 000
unemployment
-
-
-
147
income
-
-
-
2 793
other
-
-
-
22
accident
-
-
-
189
pensions
-
-
-
5 942
total
-
-
-
9 093
Employee
32 550
-
11 628
-
unemployment
505
-
456
-
pensions
1 530
-
1 382
-
income
6 275
-
1 854
-
other
32
-
30
-
total
8 342
-
3 722
-
Employer
32 550
-
11 628
-
pensions
7 681
-
6 938
-
accident
645
-
581
-
unemployment
1 791
-
1 617
-
other
261
-
236
-
total
10 378
-
9 372
-
Corporate
-
21 000
-
-
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.

-
3 151
-
-
total
-
3 151
-
-
Dividends
-
17 849
-
-
withholding
-
3 548
-
-
total
-
3 548
-
-
Income
21 000
21 000
21 000
21 000
Total tax
18 720
6 699
13 094
9 093
After tax
2 280
14 301
7 906
11 907
Living cost
24 208
24 208
24 208
24 208
Free-cash
-21 928
-9 907
-16 302
-12 301

Estimated living cost  is ₽24208 per week

₽16340
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2327
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽424
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5117
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
-₽19020
-₽11149
-₽12086
-₽8028
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
-
-
-
21 000
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.

-
-
-
5 040
income
-
-
-
2 668
other
-
-
-
997
health
-
-
-
924
total
-
-
-
9 629
Employee
31 963
-
16 773
-
health
448
-
236
-
unemployment
319
-
167
-
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.

2 237
-
1 174
-
income
5 503
-
2 887
-
total
8 507
-
4 464
-
Employer
31 963
-
16 773
-
health
448
-
236
-
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.

5 434
-
2 852
-
accident
256
-
134
-
unemployment
319
-
167
-
other
1 599
-
839
-
total
8 056
-
4 228
-
Corporate
-
21 000
-
-
income
-
4 410
-
-
total
-
4 410
-
-
Dividends
-
16 590
-
-
withholding
-
1 161
-
-
total
-
1 161
-
-
Income
21 000
21 000
21 000
21 000
Total tax
16 563
5 571
8 692
9 629
After tax
4 437
15 429
12 308
11 371
Living cost
23 457
23 457
23 457
23 457
Free-cash
-19 020
-8 028
-11 149
-12 086

Estimated living cost  is ₽23457 per week

₽16574
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1584
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽378
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.
₽4921
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
₽2329
₽1719
₽705
₽6417
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
-
-
-
21 000
pensions

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

-
-
-
3 108
unemployment
-
-
-
84
income
-
-
-
3 150
health
-
-
-
2 415
total
-
-
-
8 757
Employee
15 278
-
17 555
-
health
703
-
808
-
accident

We are using the highest rate at 1.1%.

168
-
193
-
pensions

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

1 341
-
1 541
-
income
1 528
-
1 756
-
total
3 740
-
4 298
-
Employer
15 278
-
17 555
-
health
1 055
-
1 212
-
pensions

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

1 684
-
1 935
-
accident

We are using the highest rate at 1.1%.

168
-
193
-
unemployment
91
-
105
-
total
2 998
-
3 445
-
Corporate
2 724
21 000
-
-
income
272
2 100
-
-
total
272
2 100
-
-
Dividends
2 451
18 900
-
-
withholding
123
945
-
-
total
123
945
-
-
Income
21 000
21 000
21 000
21 000
Total tax
7 133
3 045
7 743
8 757
After tax
13 867
17 955
13 257
12 243
Living cost
11 538
11 538
11 538
11 538
Free-cash
2 329
6 417
1 719
705

Estimated living cost  is ₽11538 per week

₽6736
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽824
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽306
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.
₽3673
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
-₽28443
-₽16381
-₽17456
-₽19535
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
-
-
-
21 000
income
-
-
-
-
other
-
-
-
652
health
-
-
-
236
social contributions
-
-
-
598
pensions
-
-
-
6 851
surtax
-
-
-
-
total
-
-
-
8 337
Employee
37 676
-
16 002
-
pensions
4 260
-
1 809
-
income
2 224
-
-
-
social contributions
1 074
-
456
-
surtax
-
-
-
-
total
7 558
-
2 265
-
Employer
37 676
-
16 002
-
health
2 638
-
1 121
-
social contributions
114
-
48
-
pensions
6 189
-
2 629
-
unemployment
1 525
-
648
-
other
1 300
-
551
-
total
11 766
-
4 997
-
Corporate
-
21 000
-
-
income
-
5 880
-
-
surtax
-
-
-
-
total
-
5 880
-
-
Dividends
-
15 120
-
-
social contributions
-
2 601
-
-
surtax
-
-
-
-
withholding
-
1 935
-
-
total
-
4 536
-
-
Income
21 000
21 000
21 000
21 000
Total tax
19 324
10 416
7 262
8 337
After tax
1 676
10 584
13 738
12 663
Living cost
30 119
30 119
30 119
30 119
Free-cash
-28 443
-19 535
-16 381
-17 456

Estimated living cost  is ₽30119 per week

₽18991
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2449
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽513
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.
₽8167
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
-₽66418
-₽66418
-₽24771
-₽61476
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
-
-
-
21 000
pensions
-
-
-
3 780
income
-
-
-
1 889
health
-
-
-
3 224
total
-
-
-
8 893
Employee
75 175
75 175
75 175
-
health
11 539
9 815
11 539
-
pensions
13 532
10 314
13 532
-
income

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

12 305
12 305
12 305
-
total
37 376
32 434
37 376
-
Employer
75 175
75 175
75 175
-
health
5 226
5 226
5 226
-
pensions
5 232
5 232
5 232
-
unemployment
2 706
2 706
2 706
-
total
13 164
13 164
13 164
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
21 000
21 000
21 000
21 000
Total tax
50 540
45 598
50 540
8 893
After tax
-29 540
-24 598
-29 540
12 107
Living cost
36 878
36 878
36 878
36 878
Free-cash
-66 418
-61 476
-66 418
-24 771

Estimated living cost  is ₽36878 per week

₽26134
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3324
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽586
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.
₽6833
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
-₽12671
-₽11678
-₽11678
-₽15854
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.

-
-
-
21 000
trade
-
-
-
-
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.

-
-
-
-
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.

-
-
-
6 014
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.

-
-
-
-
total
-
-
-
6 014
Employee

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

33 670
-
21 000
-
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.

6 014
-
6 014
-
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.

941
-
-
-
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.

52
-
-
-
total
7 007
-
6 014
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
21 000
-
-
income
-
3 151
-
-
trade
-
3 308
-
-
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.

-
174
-
-
chamber of commerce
-
164
-
-
total
-
6 797
-
-
Dividends
-
14 204
-
-
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.

-
177
-
-
withholding
-
3 216
-
-
total
-
3 393
-
-
Income
21 000
21 000
21 000
21 000
Total tax
7 007
10 190
6 014
6 014
After tax
13 993
10 810
14 986
14 986
Living cost
26 664
26 664
26 664
26 664
Free-cash
-12 671
-15 854
-11 678
-11 678

Estimated living cost  is ₽26664 per week

₽16772
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3109
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽498
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.
₽6285
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
-₽12966
-₽11592
-₽5457
-₽19288
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
-
-
-
33 466
income
-
-
-
-
health
-
-
-
854
social contributions
-
-
-
5 221
total
-
-
-
6 075
Employee
67 692
67 692
67 692
-
health
525
1 151
388
-
income
7 371
6 266
7 611
-
social contributions
2 559
5 618
1 894
-
total
10 455
13 035
9 893
-
Employer
67 692
67 692
67 692
-
health
570
1 253
423
-
social contributions
2 559
5 618
1 894
-
total
3 129
6 871
2 317
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
21 000
21 000
21 000
21 000
Total tax
13 584
19 906
12 210
6 075
After tax
7 416
1 094
8 790
14 925
Living cost
20 382
20 382
20 382
20 382
Free-cash
-12 966
-19 288
-11 592
-5 457

Estimated living cost  is ₽20382 per week

₽12215
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.
₽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.
₽5717
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
-₽29105
-₽14974
-₽15136
-₽15669
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.

-
-
-
21 000
income
-
-
-
1 226
social contributions

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

-
-
-
7 297
surtax
-
-
-
-
total
-
-
-
8 523
Employee
40 488
-
16 969
-
income
8 422
-
2 466
-
social contributions
4 454
-
1 866
-
surtax
-
-
-
-
total
12 876
-
4 332
-
Employer
40 488
-
16 969
-
social contributions
9 616
-
4 029
-
total
9 616
-
4 029
-
Corporate
-
21 000
-
-
income
-
4 410
-
-
surtax
-
-
-
-
total
-
4 410
-
-
Dividends
-
16 590
-
-
withholding
-
4 646
-
-
total
-
4 646
-
-
Income
21 000
21 000
21 000
21 000
Total tax
22 492
9 056
8 361
8 523
After tax
-1 492
11 944
12 639
12 477
Living cost
27 613
27 613
27 613
27 613
Free-cash
-29 105
-15 669
-14 974
-15 136

Estimated living cost  is ₽27613 per week

₽20660
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1629
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽461
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.
₽4863
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
₽12533
₽10554
₽14544
₽13704
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%.

-
-
-
21 000
microenterprise

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

-
-
-
210
total
-
-
-
210
Employee
7 807
-
21 000
-
income
1 561
-
4 200
-
total
1 561
-
4 200
-
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%.

13 193
21 000
-
-
total
-
-
-
-
Dividends
13 193
21 000
-
-
withholding
660
1 050
-
-
total
660
1 050
-
-
Income
21 000
21 000
21 000
21 000
Total tax
2 221
1 050
4 200
210
After tax
18 779
19 950
16 800
20 790
Living cost
6 246
6 246
6 246
6 246
Free-cash
12 533
13 704
10 554
14 544

Estimated living cost  is ₽6246 per week

₽3871
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽519
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽172
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.
₽1684
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
-₽23989
-₽11804
-₽11139
-₽9152
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.

-
-
-
21 000
pensions
-
-
-
3 836
unemployment
-
-
-
32
income
-
-
-
2 593
health
-
-
-
2 066
total
-
-
-
8 527
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.

38 928
-
18 168
-
health
2 514
-
1 174
-
unemployment
55
-
25
-
pensions
6 034
-
2 817
-
income
6 713
-
2 348
-
total
15 316
-
6 364
-
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.

38 928
-
18 168
-
health
2 593
-
1 209
-
pensions
3 445
-
1 607
-
unemployment
23
-
12
-
total
6 061
-
2 828
-
Corporate
-
21 000
-
-
income
-
3 989
-
-
total
-
3 989
-
-
Dividends
-
17 011
-
-
withholding
-
2 551
-
-
total
-
2 551
-
-
Income
21 000
21 000
21 000
21 000
Total tax
21 377
6 540
9 192
8 527
After tax
-377
14 460
11 808
12 473
Living cost
23 612
23 612
23 612
23 612
Free-cash
-23 989
-9 152
-11 804
-11 139

Estimated living cost  is ₽23612 per week

₽16204
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1514
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.
₽5438
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
-₽26058
-₽15078
-₽41341
-₽20934
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.

-
-
-
21 000
income
-
-
-
25 058
health

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

-
-
-
5 327
total
-
-
-
30 385
Employee
40 384
-
19 087
-
social contributions
4 046
-
1 913
-
income
4 382
-
296
-
total
8 428
-
2 209
-
Employer
40 384
-
19 087
-
social contributions
4 046
-
1 913
-
total
4 046
-
1 913
-
Corporate
-
21 000
-
-
income
-
7 350
-
-
total
-
7 350
-
-
Dividends
-
13 650
-
-
social contributions
2 628
2 628
-
-
total
2 628
2 628
-
-
Income
21 000
21 000
21 000
21 000
Total tax
15 102
9 978
4 122
30 385
After tax
5 898
11 022
16 878
-9 385
Living cost
31 956
31 956
31 956
31 956
Free-cash
-26 058
-20 934
-15 078
-41 341

Estimated living cost  is ₽31956 per week

₽21049
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2519
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽489
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.
₽7897
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
-₽11160
-₽7971
-₽5181
-₽5856
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
-
-
-
21 000
income
-
-
-
3 151
health
-
-
-
1 465
social contributions
-
-
-
2 898
total
-
-
-
7 514
Employee
29 848
-
21 000
-
health
2 083
-
1 465
-
income
4 978
-
5 941
-
social contributions
4 120
-
2 898
-
total
11 181
-
10 304
-
Employer
29 848
-
21 000
-
total
-
-
-
-
Corporate
-
21 000
-
-
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%.

-
1 051
-
-
total
-
1 051
-
-
Dividends
-
19 949
-
-
social contributions
1 535
2 753
-
-
withholding
-
2 992
-
-
health
777
1 393
-
-
total
2 312
7 138
-
-
Income
21 000
21 000
21 000
21 000
Total tax
13 493
8 189
10 304
7 514
After tax
7 507
12 811
10 696
13 486
Living cost
18 667
18 667
18 667
18 667
Free-cash
-11 160
-5 856
-7 971
-5 181

Estimated living cost  is ₽18667 per week

₽12492
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1151
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽429
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.
₽4592
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
-₽28366
-₽14395
-₽14823
-₽10592
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
-
-
-
21 000
income
-
-
-
1 805
health
-
-
-
2 835
social contributions
-
-
-
6 132
solidarity contribution
-
-
-
-
total
-
-
-
10 772
Employee
36 840
-
15 672
-
health
4 973
-
2 116
-
solidarity contribution
-
-
-
-
income
4 421
-
1 881
-
social contributions
2 395
-
1 019
-
total
11 789
-
5 016
-
Employer
36 840
-
15 672
-
health
3 316
-
1 410
-
social contributions
9 210
-
3 918
-
total
12 526
-
5 328
-
Corporate
-
21 000
-
-
income
-
3 990
-
-
total
-
3 990
-
-
Dividends
-
17 010
-
-
withholding
-
2 551
-
-
total
-
2 551
-
-
Income
21 000
21 000
21 000
21 000
Total tax
24 315
6 541
10 344
10 772
After tax
-3 315
14 459
10 656
10 228
Living cost
25 051
25 051
25 051
25 051
Free-cash
-28 366
-10 592
-14 395
-14 823

Estimated living cost  is ₽25051 per week

₽18630
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1388
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽433
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4600
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
₽8392
₽7067
₽11057
₽10217
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%.

-
-
-
21 000
microenterprise

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

-
-
-
210
total
-
-
-
210
Employee
12 166
-
21 000
-
income
2 433
-
4 200
-
total
2 433
-
4 200
-
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%.

8 834
21 000
-
-
total
-
-
-
-
Dividends
8 834
21 000
-
-
withholding
442
1 050
-
-
total
442
1 050
-
-
Income
21 000
21 000
21 000
21 000
Total tax
2 875
1 050
4 200
210
After tax
18 125
19 950
16 800
20 790
Living cost
9 733
9 733
9 733
9 733
Free-cash
8 392
10 217
7 067
11 057

Estimated living cost  is ₽9733 per week

₽6586
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽409
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽326
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.
₽2411
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
-₽51355
-₽28780
-₽29855
-₽31934
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
-
-
-
21 000
income
-
-
-
-
other
-
-
-
652
health
-
-
-
236
social contributions
-
-
-
598
pensions
-
-
-
6 851
surtax
-
-
-
-
total
-
-
-
8 337
Employee
55 136
-
16 002
-
pensions
6 236
-
1 809
-
income
4 811
-
-
-
social contributions
1 570
-
456
-
surtax
-
-
-
-
total
12 617
-
2 265
-
Employer
55 136
-
16 002
-
health
3 859
-
1 121
-
social contributions
165
-
48
-
pensions
9 059
-
2 629
-
unemployment
2 234
-
648
-
other
1 903
-
551
-
total
17 220
-
4 997
-
Corporate
-
21 000
-
-
income
-
5 880
-
-
surtax
-
-
-
-
total
-
5 880
-
-
Dividends
-
15 120
-
-
social contributions
-
2 601
-
-
surtax
-
-
-
-
withholding
-
1 935
-
-
total
-
4 536
-
-
Income
21 000
21 000
21 000
21 000
Total tax
29 837
10 416
7 262
8 337
After tax
-8 837
10 584
13 738
12 663
Living cost
42 518
42 518
42 518
42 518
Free-cash
-51 355
-31 934
-28 780
-29 855

Estimated living cost  is ₽42518 per week

₽28775
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3478
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽583
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.
₽9681
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
-₽5964
-₽3039
-₽3942
₽7
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.

-
-
-
21 000
pensions
-
-
-
5 460
unemployment
-
-
-
315
income
-
-
-
1 838
health
-
-
-
2 163
total
-
-
-
9 776
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.

22 869
-
17 812
-
health
1 178
-
917
-
unemployment
172
-
134
-
pensions
3 202
-
2 494
-
income
3 152
-
2 140
-
total
7 704
-
5 685
-
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.

22 869
-
17 812
-
health
1 178
-
917
-
pensions
2 744
-
2 137
-
unemployment
172
-
134
-
total
4 094
-
3 188
-
Corporate
-
21 000
-
-
income
-
3 150
-
-
total
-
3 150
-
-
Dividends
-
17 850
-
-
withholding
-
2 677
-
-
total
-
2 677
-
-
Income
21 000
21 000
21 000
21 000
Total tax
11 798
5 827
8 873
9 776
After tax
9 202
15 173
12 127
11 224
Living cost
15 166
15 166
15 166
15 166
Free-cash
-5 964
7
-3 039
-3 942

Estimated living cost  is ₽15166 per week

₽10211
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1173
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.
₽3343
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
-₽56255
-₽44468
-₽42213
-₽50670
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
-
-
-
21 000
pensions
-
-
-
1 932
city
-
-
-
220
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.

-
-
-
420
health
-
-
-
197
regional
-
-
-
170
national
-
-
-
-
total
-
-
-
2 939
Employee
70 536
-
18 169
-
health
159
-
40
-
unemployment
-
-
-
-
city
757
-
187
-
pensions
5 926
-
2 228
-
regional
2 310
-
107
-
national
334
-
-
-
total
9 486
-
2 562
-
Employer
70 536
-
18 169
-
health
159
-
40
-
pensions
5 926
-
2 228
-
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.

1 410
-
364
-
total
7 495
-
2 632
-
Corporate
-
21 000
-
-
regional
-
4 441
-
-
national
-
1 785
-
-
total
-
6 226
-
-
Dividends
-
14 774
-
-
withholding
-
5 170
-
-
total
-
5 170
-
-
Income
21 000
21 000
21 000
21 000
Total tax
16 981
11 396
5 194
2 939
After tax
4 019
9 604
15 806
18 061
Living cost
60 274
60 274
60 274
60 274
Free-cash
-56 255
-50 670
-44 468
-42 213

Estimated living cost  is ₽60274 per week

₽39195
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5409
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽740
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.
₽14929
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
-₽34055
-₽20507
-₽16578
-₽19267
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

-
-
-
21 000
municipal
-
-
-
3 780
health
-
-
-
-
national
-
-
-
-
total
-
-
-
3 780
Employee
46 315
-
17 666
-
health
346
-
-
-
unemployment
695
-
266
-
pensions
3 126
-
1 193
-
national
765
-
-
-
municipal
7 586
-
2 917
-
total
12 518
-
4 376
-
Employer
46 315
-
17 666
-
health
356
-
135
-
pensions
8 035
-
3 065
-
accident
47
-
18
-
unemployment
301
-
115
-
total
8 739
-
3 333
-
Corporate
-
21 000
-
-
income
-
4 200
-
-
total
-
4 200
-
-
Dividends

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

-
12 600
-
-
municipal
-
2 269
-
-
national
-
-
-
-
total
-
2 269
-
-
Income
21 000
21 000
21 000
21 000
Total tax
21 257
6 469
7 709
3 780
After tax
-257
14 531
13 291
17 220
Living cost
33 798
33 798
33 798
33 798
Free-cash
-34 055
-19 267
-20 507
-16 578

Estimated living cost  is ₽33798 per week

₽22077
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3251
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽538
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.
₽7934
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
-₽60300
-₽22342
-₽20810
-₽20075
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
-
-
-
21 000
communal

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

-
-
-
982
social contributions
-
-
-
4 641
national
-
-
-
4 090
total
-
-
-
9 713
Employee

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

62 970
-
16 266
-
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.

2 959
-
765
-
communal

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

3 284
-
849
-
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.

548
-
142
-
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.

4 723
-
1 220
-
national
19 359
-
3 535
-
total
30 873
-
6 511
-
Employer

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

62 970
-
16 266
-
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.

3 872
-
1 001
-
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.

5 580
-
1 442
-
surtax
7 140
-
1 844
-
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.

819
-
210
-
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.

919
-
237
-
total
18 330
-
4 734
-
Corporate
-
21 000
-
-
income
-
4 200
-
-
surtax
-
84
-
-
total
-
4 284
-
-
Dividends
-
16 717
-
-
withholding

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

-
4 694
-
-
total
-
4 694
-
-
Income
21 000
21 000
21 000
21 000
Total tax
49 203
8 978
11 245
9 713
After tax
-28 203
12 022
9 755
11 287
Living cost
32 097
32 097
32 097
32 097
Free-cash
-60 300
-20 075
-22 342
-20 810

Estimated living cost  is ₽32097 per week

₽20675
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2807
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽503
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.
₽8114
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
-₽51022
-₽27247
-₽27992
-₽26995
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
-
-
-
21 000
unemployment
-
-
-
21
municipal
-
-
-
4 448
other
-
-
-
2 440
health
-
-
-
1 310
national
-
-
-
-
accident
-
-
-
42
pensions
-
-
-
2 270
total
-
-
-
10 531
Employee
54 804
-
15 979
-
national
-
-
-
-
municipal
16 342
-
4 765
-
total
16 342
-
4 765
-
Employer
54 804
-
15 979
-
health
3 370
-
983
-
pensions
5 924
-
1 727
-
accident
110
-
32
-
unemployment
1 447
-
422
-
other
6 368
-
1 857
-
total
17 219
-
5 021
-
Corporate
-
21 000
-
-
income
-
4 620
-
-
total
-
4 620
-
-
Dividends
-
16 380
-
-
withholding
-
4 914
-
-
total
-
4 914
-
-
Income
21 000
21 000
21 000
21 000
Total tax
33 561
9 534
9 786
10 531
After tax
-12 561
11 466
11 214
10 469
Living cost
38 461
38 461
38 461
38 461
Free-cash
-51 022
-26 995
-27 247
-27 992

Estimated living cost  is ₽38461 per week

₽25491
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3774
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽584
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.
₽8613
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
-₽122590
-₽34889
-₽27040
-₽28777
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
-
-
-
21 000
income
-
-
-
4 093
social contributions
-
-
-
2 394
total
-
-
-
6 487
Employee
59 581
-
8 271
-
income
13 142
-
1 667
-
social contributions
4 886
-
696
-
total
18 028
-
2 363
-
Employer
59 581
-
8 271
-
social contributions
84 009
-
11 973
-
total
84 009
-
11 973
-
Corporate
-
21 000
-
-
income
-
4 620
-
-
total
-
4 620
-
-
Dividends
-
16 380
-
-
income
-
3 604
-
-
total
-
3 604
-
-
Income
21 000
21 000
21 000
21 000
Total tax
102 037
8 224
14 336
6 487
After tax
-81 037
12 776
6 664
14 513
Living cost
41 553
41 553
41 553
41 553
Free-cash
-122 590
-28 777
-34 889
-27 040

Estimated living cost  is ₽41553 per week

₽26961
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3908
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽530
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.
₽10154
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
-₽22645
-₽19763
-₽13628
-₽27459
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
-
-
-
33 466
income
-
-
-
-
health
-
-
-
854
social contributions
-
-
-
5 221
total
-
-
-
6 075
Employee
67 692
67 692
67 692
-
health
673
1 151
388
-
income
7 108
6 266
7 611
-
social contributions
3 289
5 618
1 894
-
total
11 070
13 035
9 893
-
Employer
67 692
67 692
67 692
-
health
733
1 253
423
-
social contributions
3 289
5 618
1 894
-
total
4 022
6 871
2 317
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
21 000
21 000
21 000
21 000
Total tax
15 092
19 906
12 210
6 075
After tax
5 908
1 094
8 790
14 925
Living cost
28 553
28 553
28 553
28 553
Free-cash
-22 645
-27 459
-19 763
-13 628

Estimated living cost  is ₽28553 per week

₽19519
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2230
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽479
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.
₽6325
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
-₽26995
-₽16044
-₽14809
-₽15484
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
-
-
-
21 000
income
-
-
-
4 104
pensions
-
-
-
487
total
-
-
-
4 591
Employee
42 851
-
19 521
-
health
559
-
81
-
pensions
3 271
-
472
-
income
7 804
-
3 794
-
total
11 634
-
4 347
-
Employer
42 851
-
19 521
-
health
814
-
370
-
pensions
4 329
-
1 109
-
total
5 143
-
1 479
-
Corporate
-
21 000
-
-
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.

-
3 991
-
-
total
-
3 991
-
-
Dividends
-
17 009
-
-
withholding
-
1 275
-
-
total
-
1 275
-
-
Income
21 000
21 000
21 000
21 000
Total tax
16 777
5 266
5 826
4 591
After tax
4 223
15 734
15 174
16 409
Living cost
31 218
31 218
31 218
31 218
Free-cash
-26 995
-15 484
-16 044
-14 809

Estimated living cost  is ₽31218 per week

₽21415
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2871
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽391
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.
₽6539
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
-₽53182
-₽26105
-₽24527
-₽24008
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
-
-
-
21 000
municipal
-
-
-
127
regional
-
-
-
246
social contributions
-
-
-
6 823
national
-
-
-
3 261
total
-
-
-
10 457
Employee
74 181
-
21 000
-
social contributions
25 013
-
8 944
-
regional
1 120
-
209
-
national
12 536
-
2 773
-
municipal
443
-
109
-
total
39 112
-
12 035
-
Employer
74 181
-
21 000
-
total
-
-
-
-
Corporate
-
21 000
-
-
nationa
-
5 040
-
-
municipal
-
1 012
-
-
total
-
6 052
-
-
Dividends
-
14 948
-
-
withholding
-
3 886
-
-
total
-
3 886
-
-
Income
21 000
21 000
21 000
21 000
Total tax
39 112
9 938
12 035
10 457
After tax
-18 112
11 062
8 965
10 543
Living cost
35 070
35 070
35 070
35 070
Free-cash
-53 182
-24 008
-26 105
-24 527

Estimated living cost  is ₽35070 per week

₽24634
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2412
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽530
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.
₽7492
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
-₽14903
-₽7867
-₽6623
-₽17258
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
-
-
-
21 000
pensions
-
-
-
3 586
income
-
-
-
2 662
other
-
-
-
319
health
-
-
-
1 879
accident
-
-
-
218
total
-
-
-
8 664
Employee
29 824
-
17 445
-
health
3 415
-
1 997
-
pensions
3 358
-
1 964
-
income
4 092
-
2 393
-
total
10 865
-
6 354
-
Employer
29 824
-
17 445
-
pensions
4 850
-
2 836
-
accident
498
-
291
-
unemployment
731
-
427
-
total
6 079
-
3 554
-
Corporate
-
21 000
-
-
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.

-
18 900
-
-
total
-
18 900
-
-
Dividends
-
2 100
-
-
withholding
-
399
-
-
total
-
399
-
-
Income
21 000
21 000
21 000
21 000
Total tax
16 944
19 299
9 908
8 664
After tax
4 056
1 701
11 092
12 336
Living cost
18 959
18 959
18 959
18 959
Free-cash
-14 903
-17 258
-7 867
-6 623

Estimated living cost  is ₽18959 per week

₽13896
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1050
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽396
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.
₽3618
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
-₽22802
-₽19001
-₽19001
-₽22959
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.

-
-
-
21 000
trade
-
-
-
-
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.

-
-
-
-
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.

-
-
-
6 014
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.

-
-
-
-
total
-
-
-
6 014
Employee

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

43 801
-
21 000
-
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.

6 014
-
6 014
-
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.

3 602
-
-
-
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.

199
-
-
-
total
9 815
-
6 014
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
21 000
-
-
income
-
3 151
-
-
trade
-
3 014
-
-
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.

-
174
-
-
chamber of commerce
-
164
-
-
total
-
6 503
-
-
Dividends
-
14 498
-
-
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.

-
180
-
-
withholding
-
3 289
-
-
total
-
3 469
-
-
Income
21 000
21 000
21 000
21 000
Total tax
9 815
9 972
6 014
6 014
After tax
11 185
11 028
14 986
14 986
Living cost
33 987
33 987
33 987
33 987
Free-cash
-22 802
-22 959
-19 001
-19 001

Estimated living cost  is ₽33987 per week

₽23445
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3657
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽493
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.
₽6392
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
-₽10919
-₽6263
-₽3236
-₽1514
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.

-
-
-
21 000
income
-
-
-
-
microenterprise
-
-
-
3 151
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.

-
-
-
2 771
surtax
-
-
-
-
total
-
-
-
5 922
Employee
25 723
-
16 924
-
income
4 579
-
3 012
-
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.

2 830
-
1 861
-
surtax
-
-
-
-
total
7 409
-
4 873
-
Employer
25 723
-
16 924
-
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.

6 196
-
4 076
-
surtax
-
-
-
-
total
6 196
-
4 076
-
Corporate
-
21 000
-
-
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%.

-
4 200
-
-
total
-
4 200
-
-
Dividends

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

-
16 800
-
-
total
-
-
-
-
Income
21 000
21 000
21 000
21 000
Total tax
13 605
4 200
8 949
5 922
After tax
7 395
16 800
12 051
15 078
Living cost
18 314
18 314
18 314
18 314
Free-cash
-10 919
-1 514
-6 263
-3 236

Estimated living cost  is ₽18314 per week

₽11684
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1744
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽416
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.
₽4470
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
₽1218
₽988
₽393
₽2895
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
-
-
-
21 000
income
-
-
-
3 153
health
-
-
-
3 045
pensions
-
-
-
4 200
total
-
-
-
10 398
Employee
15 550
-
17 143
-
health
778
-
857
-
unemployment
156
-
171
-
pensions
1 399
-
1 543
-
income
3 008
-
3 374
-
total
5 341
-
5 945
-
Employer
15 550
-
17 143
-
health
1 477
-
1 629
-
pensions
1 711
-
1 886
-
unemployment
311
-
343
-
total
3 499
-
3 858
-
Corporate
1 951
21 000
-
-
income
429
4 620
-
-
total
429
4 620
-
-
Dividends
1 522
16 380
-
-
withholding
304
3 276
-
-
total
304
3 276
-
-
Income
21 000
21 000
21 000
21 000
Total tax
9 573
7 896
9 803
10 398
After tax
11 427
13 104
11 197
10 602
Living cost
10 209
10 209
10 209
10 209
Free-cash
1 218
2 895
988
393

Estimated living cost  is ₽10209 per week

₽6067
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽828
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽234
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.
₽3081
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
-₽14888
-₽8142
-₽7687
-₽6562
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
-
-
-
21 000
pensions
-
-
-
4 200
unemployment
-
-
-
200
income
-
-
-
3 022
other
-
-
-
-
health
-
-
-
1 492
surtax
-
-
-
-
total
-
-
-
8 914
Employee
29 646
-
17 348
-
health
757
-
443
-
unemployment
2 063
-
1 208
-
pensions
1 978
-
1 158
-
income
4 970
-
2 908
-
other
-
-
-
-
surtax
105
-
-
-
total
9 873
-
5 717
-
Employer
29 646
-
17 348
-
health
1 348
-
790
-
pensions
3 953
-
2 312
-
unemployment
941
-
550
-
other
-
-
-
-
total
6 242
-
3 652
-
Corporate
-
21 000
-
-
income
-
5 459
-
-
total
-
5 459
-
-
Dividends
-
15 541
-
-
withholding
-
2 330
-
-
total
-
2 330
-
-
Income
21 000
21 000
21 000
21 000
Total tax
16 115
7 789
9 369
8 914
After tax
4 885
13 211
11 631
12 086
Living cost
19 773
19 773
19 773
19 773
Free-cash
-14 888
-6 562
-8 142
-7 687

Estimated living cost  is ₽19773 per week

₽11938
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1719
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽459
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.
₽5658
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
-₽29389
-₽22329
-₽18061
-₽26957
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
-
-
-
21 000
pensions
-
-
-
3 886
chamber of commerce
-
-
-
84