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
-₽14610
-₽11070
-₽8687
-₽19747
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
-
-
-
2 792
accident
-
-
-
189
unemployment
-
-
-
147
pensions
-
-
-
5 943
other
-
-
-
21
total
-
-
-
9 092
Employee
30 897
-
12 104
-
other
30
-
29
-
income
5 957
-
1 963
-
unemployment
479
-
433
-
pensions
1 453
-
1 311
-
total
7 919
-
3 736
-
Employer
30 897
-
12 104
-
unemployment
1 700
-
1 535
-
pensions
7 291
-
6 585
-
other
247
-
224
-
accident
612
-
552
-
total
9 850
-
8 896
-
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
-
3 558
-
-
total
-
3 558
-
-
Income
21 000
21 000
21 000
21 000
Total tax
17 769
6 709
12 632
9 092
After tax
3 231
14 291
8 368
11 908
Living cost
22 978
22 978
22 978
22 978
Free-cash
-19 747
-8 687
-14 610
-11 070

Estimated living cost  is ₽22978 per week

₽15510
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2209
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.
₽4857
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
-₽9955
-₽10894
-₽6836
-₽16986
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
-
-
-
2 667
health
-
-
-
924
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.

-
-
-
5 041
other
-
-
-
997
total
-
-
-
9 629
Employee
30 340
-
16 774
-
income
5 223
-
2 888
-
health
425
-
235
-
unemployment
303
-
168
-
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.

2 123
-
1 173
-
total
8 074
-
4 464
-
Employer
30 340
-
16 774
-
unemployment
303
-
168
-
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.

5 158
-
2 851
-
other
1 518
-
837
-
accident
243
-
135
-
health
425
-
235
-
total
7 647
-
4 226
-
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
15 721
5 571
8 690
9 629
After tax
5 279
15 429
12 310
11 371
Living cost
22 265
22 265
22 265
22 265
Free-cash
-16 986
-6 836
-9 955
-10 894

Estimated living cost  is ₽22265 per week

₽15732
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1503
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽358
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.
₽4671
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
₽2326
₽1311
₽7022
₽3149
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
-
-
-
3 150
health
-
-
-
2 414
unemployment
-
-
-
84
pensions

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

-
-
-
3 108
total
-
-
-
8 756
Employee
14 477
-
17 556
-
income
1 447
-
1 756
-
health
666
-
807
-
accident

We are using the highest rate at 1.1%.

159
-
193
-
pensions

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

1 271
-
1 541
-
total
3 543
-
4 297
-
Employer
14 477
-
17 556
-
unemployment
87
-
105
-
pensions

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

1 596
-
1 935
-
accident

We are using the highest rate at 1.1%.

159
-
193
-
health
999
-
1 211
-
total
2 841
-
3 444
-
Corporate
3 682
21 000
-
-
income
368
2 100
-
-
total
368
2 100
-
-
Dividends
3 314
18 900
-
-
withholding
166
945
-
-
total
166
945
-
-
Income
21 000
21 000
21 000
21 000
Total tax
6 918
3 045
7 741
8 756
After tax
14 082
17 955
13 259
12 244
Living cost
10 933
10 933
10 933
10 933
Free-cash
3 149
7 022
2 326
1 311

Estimated living cost  is ₽10933 per week

₽6383
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽781
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽290
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.
₽3480
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
-₽14853
-₽15845
-₽18006
-₽25933
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
-
-
-
-
social contributions
-
-
-
598
health
-
-
-
224
surtax
-
-
-
-
pensions
-
-
-
6 782
other
-
-
-
652
total
-
-
-
8 256
Employee
35 762
-
16 003
-
income
2 111
-
-
-
social contributions
1 020
-
457
-
surtax
-
-
-
-
pensions
4 044
-
1 809
-
total
7 175
-
2 266
-
Employer
35 762
-
16 003
-
unemployment
1 448
-
649
-
social contributions
108
-
48
-
pensions
5 875
-
2 629
-
other
1 234
-
552
-
health
2 504
-
1 120
-
total
11 169
-
4 998
-
Corporate
-
21 000
-
-
income
-
5 880
-
-
surtax
-
-
-
-
total
-
5 880
-
-
Dividends
-
15 120
-
-
withholding
-
1 936
-
-
surtax
-
-
-
-
social contributions
-
2 601
-
-
total
-
4 537
-
-
Income
21 000
21 000
21 000
21 000
Total tax
18 344
10 417
7 264
8 256
After tax
2 656
10 583
13 736
12 744
Living cost
28 589
28 589
28 589
28 589
Free-cash
-25 933
-18 006
-14 853
-15 845

Estimated living cost  is ₽28589 per week

₽18026
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2325
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽487
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.
₽7752
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
-₽61975
-₽22898
-₽57285
-₽61975
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
-
-
-
1 890
health
-
-
-
3 224
pensions
-
-
-
3 780
total
-
-
-
8 894
Employee
71 357
71 357
71 357
-
income

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

11 680
11 680
11 680
-
health
10 952
9 316
10 952
-
pensions
12 844
9 790
12 844
-
total
35 476
30 786
35 476
-
Employer
71 357
71 357
71 357
-
unemployment
2 569
2 569
2 569
-
pensions
4 966
4 966
4 966
-
health
4 960
4 960
4 960
-
total
12 495
12 495
12 495
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Income
21 000
21 000
21 000
21 000
Total tax
47 971
43 281
47 971
8 894
After tax
-26 971
-22 281
-26 971
12 106
Living cost
35 004
35 004
35 004
35 004
Free-cash
-61 975
-57 285
-61 975
-22 898

Estimated living cost  is ₽35004 per week

₽24807
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3156
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽557
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.
₽6486
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
-₽10134
-₽10134
-₽14512
-₽10961
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
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.

-
-
-
109
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.

-
-
-
5 709
trade
-
-
-
-
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.

-
-
-
6
total
-
-
-
5 824
Employee

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

31 960
-
21 000
-
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.

893
-
109
-
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.

5 709
-
5 709
-
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.

49
-
6
-
total
6 651
-
5 824
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
21 000
-
-
chamber of commerce
-
157
-
-
income
-
3 151
-
-
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.

-
173
-
-
trade
-
3 308
-
-
total
-
6 789
-
-
Dividends
-
14 212
-
-
withholding
-
3 235
-
-
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
-
-
total
-
3 413
-
-
Income
21 000
21 000
21 000
21 000
Total tax
6 651
10 202
5 824
5 824
After tax
14 349
10 798
15 176
15 176
Living cost
25 310
25 310
25 310
25 310
Free-cash
-10 961
-14 512
-10 134
-10 134

Estimated living cost  is ₽25310 per week

₽15920
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2951
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.
₽5965
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
-₽9935
-₽4111
-₽17242
-₽11239
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
-
-
-
31 766
income
-
-
-
-
social contributions
-
-
-
4 955
health
-
-
-
810
total
-
-
-
5 765
Employee
64 253
64 253
64 253
-
income
6 996
5 948
7 224
-
social contributions
2 429
5 333
1 798
-
health
498
1 093
368
-
total
9 923
12 374
9 390
-
Employer
64 253
64 253
64 253
-
social contributions
2 429
5 333
1 798
-
health
541
1 189
401
-
total
2 970
6 522
2 199
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
21 000
21 000
21 000
21 000
Total tax
12 893
18 896
11 589
5 765
After tax
8 107
2 104
9 411
15 235
Living cost
19 346
19 346
19 346
19 346
Free-cash
-11 239
-17 242
-9 935
-4 111

Estimated living cost  is ₽19346 per week

₽11595
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1898
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.
₽5426
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
-₽13625
-₽13733
-₽14265
-₽26558
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
38 431
-
16 969
-
income
7 994
-
2 518
-
social contributions
4 227
-
1 866
-
surtax
-
-
-
-
total
12 221
-
4 384
-
Employer
38 431
-
16 969
-
social contributions
9 127
-
4 031
-
total
9 127
-
4 031
-
Corporate
-
21 000
-
-
income
-
4 410
-
-
surtax
-
-
-
-
total
-
4 410
-
-
Dividends
-
16 590
-
-
withholding
-
4 645
-
-
total
-
4 645
-
-
Income
21 000
21 000
21 000
21 000
Total tax
21 348
9 055
8 415
8 523
After tax
-348
11 945
12 585
12 477
Living cost
26 210
26 210
26 210
26 210
Free-cash
-26 558
-14 265
-13 625
-13 733

Estimated living cost  is ₽26210 per week

₽19610
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1546
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽438
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.
₽4616
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
₽10571
₽14561
₽13721
₽12553
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
7 786
-
21 000
-
income
1 557
-
4 200
-
total
1 557
-
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%.

13 214
21 000
-
-
total
-
-
-
-
Dividends
13 214
21 000
-
-
withholding
661
1 050
-
-
total
661
1 050
-
-
Income
21 000
21 000
21 000
21 000
Total tax
2 218
1 050
4 200
210
After tax
18 782
19 950
16 800
20 790
Living cost
6 229
6 229
6 229
6 229
Free-cash
12 553
13 721
10 571
14 561

Estimated living cost  is ₽6229 per week

₽3860
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽518
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽171
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.
₽1680
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
-₽10680
-₽10016
-₽7954
-₽21704
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
income
-
-
-
2 669
health
-
-
-
2 066
unemployment
-
-
-
32
pensions
-
-
-
3 836
total
-
-
-
8 603
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.

36 950
-
18 171
-
income
6 372
-
2 424
-
health
2 386
-
1 173
-
unemployment
52
-
25
-
pensions
5 728
-
2 816
-
total
14 538
-
6 438
-
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.

36 950
-
18 171
-
unemployment
22
-
11
-
pensions
3 270
-
1 608
-
health
2 461
-
1 210
-
total
5 753
-
2 829
-
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
20 291
6 541
9 267
8 603
After tax
709
14 459
11 733
12 397
Living cost
22 413
22 413
22 413
22 413
Free-cash
-21 704
-7 954
-10 680
-10 016

Estimated living cost  is ₽22413 per week

₽15381
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1437
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽434
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.
₽5161
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
-₽13568
-₽38585
-₽19176
-₽23667
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
-
-
-
23 786
health

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

-
-
-
5 467
total
-
-
-
29 253
Employee
38 332
-
19 088
-
social contributions
3 841
-
1 912
-
income
4 159
-
412
-
total
8 000
-
2 324
-
Employer
38 332
-
19 088
-
social contributions
3 841
-
1 912
-
total
3 841
-
1 912
-
Corporate
-
21 000
-
-
income
-
7 350
-
-
total
-
7 350
-
-
Dividends
-
13 650
-
-
social contributions
2 494
2 494
-
-
total
2 494
2 494
-
-
Income
21 000
21 000
21 000
21 000
Total tax
14 335
9 844
4 236
29 253
After tax
6 665
11 156
16 764
-8 253
Living cost
30 332
30 332
30 332
30 332
Free-cash
-23 667
-19 176
-13 568
-38 585

Estimated living cost  is ₽30332 per week

₽19980
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2391
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽465
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.
₽7496
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
-₽7182
-₽4234
-₽4906
-₽9525
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
social contributions
-
-
-
2 899
health
-
-
-
1 465
total
-
-
-
7 515
Employee
28 332
-
21 000
-
income
4 725
-
6 099
-
social contributions
3 910
-
2 899
-
health
1 977
-
1 465
-
total
10 612
-
10 463
-
Employer
28 332
-
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%.

-
1 050
-
-
total
-
1 050
-
-
Dividends
-
19 950
-
-
withholding
-
2 992
-
-
health
737
1 392
-
-
social contributions
1 457
2 753
-
-
total
2 194
7 137
-
-
Income
21 000
21 000
21 000
21 000
Total tax
12 806
8 187
10 463
7 515
After tax
8 194
12 813
10 537
13 485
Living cost
17 719
17 719
17 719
17 719
Free-cash
-9 525
-4 906
-7 182
-4 234

Estimated living cost  is ₽17719 per week

₽11858
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1093
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽408
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4359
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
-₽12225
-₽12653
-₽8422
-₽24088
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
social contributions
-
-
-
6 132
solidarity contribution
-
-
-
-
health
-
-
-
2 835
total
-
-
-
10 772
Employee
33 648
-
15 672
-
solidarity contribution
-
-
-
-
income
4 038
-
1 881
-
social contributions
2 187
-
1 019
-
health
4 542
-
2 116
-
total
10 767
-
5 016
-
Employer
33 648
-
15 672
-
social contributions
8 412
-
3 918
-
health
3 028
-
1 410
-
total
11 440
-
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
22 207
6 541
10 344
10 772
After tax
-1 207
14 459
10 656
10 228
Living cost
22 881
22 881
22 881
22 881
Free-cash
-24 088
-8 422
-12 225
-12 653

Estimated living cost  is ₽22881 per week

₽17016
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1268
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.
₽4202
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
₽7093
₽11083
₽10243
₽8423
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
12 134
-
21 000
-
income
2 427
-
4 200
-
total
2 427
-
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%.

8 866
21 000
-
-
total
-
-
-
-
Dividends
8 866
21 000
-
-
withholding
443
1 050
-
-
total
443
1 050
-
-
Income
21 000
21 000
21 000
21 000
Total tax
2 870
1 050
4 200
210
After tax
18 130
19 950
16 800
20 790
Living cost
9 707
9 707
9 707
9 707
Free-cash
8 423
10 243
7 093
11 083

Estimated living cost  is ₽9707 per week

₽6569
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽407
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.
₽2405
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
-₽26622
-₽27614
-₽29775
-₽47679
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
-
-
-
-
social contributions
-
-
-
598
health
-
-
-
224
surtax
-
-
-
-
pensions
-
-
-
6 782
other
-
-
-
652
total
-
-
-
8 256
Employee
52 335
-
16 003
-
income
4 566
-
-
-
social contributions
1 491
-
457
-
surtax
-
-
-
-
pensions
5 919
-
1 809
-
total
11 976
-
2 266
-
Employer
52 335
-
16 003
-
unemployment
2 120
-
649
-
social contributions
157
-
48
-
pensions
8 599
-
2 629
-
other
1 806
-
552
-
health
3 663
-
1 120
-
total
16 345
-
4 998
-
Corporate
-
21 000
-
-
income
-
5 880
-
-
surtax
-
-
-
-
total
-
5 880
-
-
Dividends
-
15 120
-
-
withholding
-
1 936
-
-
surtax
-
-
-
-
social contributions
-
2 601
-
-
total
-
4 537
-
-
Income
21 000
21 000
21 000
21 000
Total tax
28 321
10 417
7 264
8 256
After tax
-7 321
10 583
13 736
12 744
Living cost
40 358
40 358
40 358
40 358
Free-cash
-47 679
-29 775
-26 622
-27 614

Estimated living cost  is ₽40358 per week

₽27314
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3301
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽553
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.
₽9189
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
-₽2347
-₽3251
₽769
-₽4606
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
income
-
-
-
1 910
health
-
-
-
2 163
unemployment
-
-
-
315
pensions
-
-
-
5 460
total
-
-
-
9 848
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.

21 718
-
17 812
-
income
2 994
-
2 211
-
health
1 118
-
917
-
unemployment
163
-
134
-
pensions
3 041
-
2 494
-
total
7 316
-
5 756
-
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.

21 718
-
17 812
-
unemployment
163
-
134
-
pensions
2 606
-
2 137
-
health
1 118
-
917
-
total
3 887
-
3 188
-
Corporate
-
21 000
-
-
income
-
3 150
-
-
total
-
3 150
-
-
Dividends
-
17 850
-
-
withholding
-
2 678
-
-
total
-
2 678
-
-
Income
21 000
21 000
21 000
21 000
Total tax
11 203
5 828
8 944
9 848
After tax
9 797
15 172
12 056
11 152
Living cost
14 403
14 403
14 403
14 403
Free-cash
-4 606
769
-2 347
-3 251

Estimated living cost  is ₽14403 per week

₽9697
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1114
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽417
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.
₽3175
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
-₽42446
-₽40271
-₽48726
-₽53762
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
regional
-
-
-
183
national
-
-
-
-
health
-
-
-
190
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.

-
-
-
419
pensions
-
-
-
1 931
total
-
-
-
2 943
Employee
68 258
-
18 208
-
regional
2 235
-
115
-
city
733
-
187
-
health
154
-
40
-
unemployment
-
-
-
-
national
323
-
-
-
pensions
5 735
-
2 186
-
total
9 180
-
2 528
-
Employer
68 258
-
18 208
-
unemployment
-
-
-
-
pensions
5 735
-
2 186
-
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.

1 365
-
364
-
health
154
-
40
-
total
7 254
-
2 590
-
Corporate
-
21 000
-
-
regional
-
4 442
-
-
national
-
1 786
-
-
total
-
6 228
-
-
Dividends
-
14 773
-
-
withholding
-
5 170
-
-
total
-
5 170
-
-
Income
21 000
21 000
21 000
21 000
Total tax
16 434
11 398
5 118
2 943
After tax
4 566
9 602
15 882
18 057
Living cost
58 328
58 328
58 328
58 328
Free-cash
-53 762
-48 726
-42 446
-40 271

Estimated living cost  is ₽58328 per week

₽37930
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5234
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽716
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.
₽14447
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
-₽18788
-₽14861
-₽17550
-₽31257
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
national
-
-
-
-
health
-
-
-
-
total
-
-
-
3 780
Employee
43 962
-
17 667
-
health
328
-
-
-
unemployment
660
-
265
-
national
726
-
-
-
municipal
7 201
-
2 918
-
pensions
2 967
-
1 192
-
total
11 882
-
4 375
-
Employer
43 962
-
17 667
-
unemployment
285
-
114
-
pensions
7 627
-
3 065
-
accident
44
-
17
-
health
338
-
136
-
total
8 294
-
3 332
-
Corporate
-
21 000
-
-
income
-
4 201
-
-
total
-
4 201
-
-
Dividends

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

-
12 600
-
-
national
-
-
-
-
municipal
-
2 268
-
-
total
-
2 268
-
-
Income
21 000
21 000
21 000
21 000
Total tax
20 176
6 469
7 707
3 780
After tax
824
14 531
13 293
17 220
Living cost
32 081
32 081
32 081
32 081
Free-cash
-31 257
-17 550
-18 788
-14 861

Estimated living cost  is ₽32081 per week

₽20955
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3086
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽511
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.
₽7530
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
-₽20709
-₽19016
-₽18462
-₽56169
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
national
-
-
-
4 148
social contributions
-
-
-
4 405
communal

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

-
-
-
996
total
-
-
-
9 549
Employee

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

59 771
-
16 262
-
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.

2 808
-
764
-
communal

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

3 117
-
848
-
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.

520
-
141
-
national
18 376
-
3 535
-
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.

4 483
-
1 219
-
total
29 304
-
6 507
-
Employer

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

59 771
-
16 262
-
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.

872
-
238
-
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.

5 296
-
1 441
-
surtax
6 777
-
1 843
-
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.

777
-
212
-
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.

3 676
-
1 001
-
total
17 398
-
4 735
-
Corporate
-
21 000
-
-
income
-
4 201
-
-
surtax
-
84
-
-
total
-
4 285
-
-
Dividends
-
16 715
-
-
withholding

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

-
4 710
-
-
total
-
4 710
-
-
Income
21 000
21 000
21 000
21 000
Total tax
46 702
8 995
11 242
9 549
After tax
-25 702
12 005
9 758
11 451
Living cost
30 467
30 467
30 467
30 467
Free-cash
-56 169
-18 462
-20 709
-19 016

Estimated living cost  is ₽30467 per week

₽19625
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2664
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽477
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.
₽7702
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
-₽23381
-₽24126
-₽23129
-₽43784
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
-
-
-
4 448
national
-
-
-
-
health
-
-
-
1 310
accident
-
-
-
42
unemployment
-
-
-
21
pensions
-
-
-
2 270
other
-
-
-
2 440
total
-
-
-
10 531
Employee
49 295
-
15 979
-
national
-
-
-
-
municipal
14 700
-
4 765
-
total
14 700
-
4 765
-
Employer
49 295
-
15 979
-
unemployment
1 301
-
422
-
pensions
5 329
-
1 727
-
other
5 728
-
1 857
-
accident
99
-
32
-
health
3 032
-
983
-
total
15 489
-
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
30 189
9 534
9 786
10 531
After tax
-9 189
11 466
11 214
10 469
Living cost
34 595
34 595
34 595
34 595
Free-cash
-43 784
-23 129
-23 381
-24 126

Estimated living cost  is ₽34595 per week

₽22928
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3395
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽525
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.
₽7747
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
-₽30215
-₽23679
-₽25416
-₽110976
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
54 762
-
6 906
-
income
12 079
-
1 379
-
social contributions
4 491
-
640
-
total
16 570
-
2 019
-
Employer
54 762
-
6 906
-
social contributions
77 214
-
11 004
-
total
77 214
-
11 004
-
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
93 784
8 224
13 023
6 487
After tax
-72 784
12 776
7 977
14 513
Living cost
38 192
38 192
38 192
38 192
Free-cash
-110 976
-25 416
-30 215
-23 679

Estimated living cost  is ₽38192 per week

₽24780
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3592
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽487
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.
₽9333
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
-₽17692
-₽11868
-₽24999
-₽20429
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
-
-
-
31 766
income
-
-
-
-
social contributions
-
-
-
4 955
health
-
-
-
810
total
-
-
-
5 765
Employee
64 253
64 253
64 253
-
income
6 747
5 948
7 224
-
social contributions
3 122
5 333
1 798
-
health
639
1 093
368
-
total
10 508
12 374
9 390
-
Employer
64 253
64 253
64 253
-
social contributions
3 122
5 333
1 798
-
health
696
1 189
401
-
total
3 818
6 522
2 199
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
21 000
21 000
21 000
21 000
Total tax
14 326
18 896
11 589
5 765
After tax
6 674
2 104
9 411
15 235
Living cost
27 103
27 103
27 103
27 103
Free-cash
-20 429
-24 999
-17 692
-11 868

Estimated living cost  is ₽27103 per week

₽18527
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2117
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽455
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.
₽6003
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
-₽15214
-₽13931
-₽14574
-₽25597
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
-
-
-
4 094
pensions
-
-
-
528
total
-
-
-
4 622
Employee
41 604
-
19 480
-
income
7 576
-
3 774
-
health
543
-
90
-
pensions
3 175
-
521
-
total
11 294
-
4 385
-
Employer
41 604
-
19 480
-
pensions
4 203
-
1 150
-
health
791
-
370
-
total
4 994
-
1 520
-
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.

-
3 989
-
-
total
-
3 989
-
-
Dividends
-
17 011
-
-
withholding
-
1 276
-
-
total
-
1 276
-
-
Income
21 000
21 000
21 000
21 000
Total tax
16 288
5 265
5 905
4 622
After tax
4 712
15 735
15 095
16 378
Living cost
30 309
30 309
30 309
30 309
Free-cash
-25 597
-14 574
-15 214
-13 931

Estimated living cost  is ₽30309 per week

₽20792
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2787
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.
₽6349
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
-₽23985
-₽22486
-₽22226
-₽49413
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
-
-
-
130
regional
-
-
-
251
national
-
-
-
3 341
social contributions
-
-
-
6 476
total
-
-
-
10 198
Employee
70 413
-
21 000
-
regional
1 063
-
216
-
social contributions
23 743
-
8 490
-
national
11 899
-
2 878
-
municipal
420
-
113
-
total
37 125
-
11 697
-
Employer
70 413
-
21 000
-
total
-
-
-
-
Corporate
-
21 000
-
-
nationa
-
5 039
-
-
municipal
-
1 012
-
-
total
-
6 051
-
-
Dividends
-
14 949
-
-
withholding
-
3 887
-
-
total
-
3 887
-
-
Income
21 000
21 000
21 000
21 000
Total tax
37 125
9 938
11 697
10 198
After tax
-16 125
11 062
9 303
10 802
Living cost
33 288
33 288
33 288
33 288
Free-cash
-49 413
-22 226
-23 985
-22 486

Estimated living cost  is ₽33288 per week

₽23383
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2290
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.
₽7112
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
-₽6394
-₽4766
-₽15784
-₽12109
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
-
-
-
2 745
health
-
-
-
1 733
accident
-
-
-
201
pensions
-
-
-
3 307
other
-
-
-
295
total
-
-
-
8 281
Employee
27 504
-
17 445
-
income
3 773
-
2 393
-
health
3 149
-
1 997
-
pensions
3 097
-
1 964
-
total
10 019
-
6 354
-
Employer
27 504
-
17 445
-
unemployment
674
-
427
-
pensions
4 472
-
2 837
-
accident
459
-
291
-
total
5 605
-
3 555
-
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
15 624
19 299
9 909
8 281
After tax
5 376
1 701
11 091
12 719
Living cost
17 485
17 485
17 485
17 485
Free-cash
-12 109
-15 784
-6 394
-4 766

Estimated living cost  is ₽17485 per week

₽12815
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽969
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽365
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.
₽3337
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
-₽17084
-₽17084
-₽21245
-₽20577
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
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.

-
-
-
109
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.

-
-
-
5 709
trade
-
-
-
-
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.

-
-
-
6
total
-
-
-
5 824
Employee

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

41 576
-
21 000
-
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.

3 419
-
109
-
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.

5 709
-
5 709
-
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.

189
-
6
-
total
9 317
-
5 824
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
21 000
-
-
chamber of commerce
-
157
-
-
income
-
3 151
-
-
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.

-
173
-
-
trade
-
3 013
-
-
total
-
6 494
-
-
Dividends
-
14 507
-
-
withholding
-
3 309
-
-
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.

-
182
-
-
total
-
3 491
-
-
Income
21 000
21 000
21 000
21 000
Total tax
9 317
9 985
5 824
5 824
After tax
11 683
11 015
15 176
15 176
Living cost
32 260
32 260
32 260
32 260
Free-cash
-20 577
-21 245
-17 084
-17 084

Estimated living cost  is ₽32260 per week

₽22254
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3471
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽468
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.
₽6067
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
-₽5336
-₽2166
-₽585
-₽9297
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
microenterprise
-
-
-
3 151
income
-
-
-
-
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.

-
-
-
2 631
surtax
-
-
-
-
total
-
-
-
5 782
Employee
24 417
-
16 923
-
income
4 346
-
3 013
-
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.

2 686
-
1 862
-
surtax
-
-
-
-
total
7 032
-
4 875
-
Employer
24 417
-
16 923
-
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.

5 881
-
4 077
-
surtax
-
-
-
-
total
5 881
-
4 077
-
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%.

-
4 201
-
-
total
-
4 201
-
-
Dividends

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

-
16 799
-
-
total
-
-
-
-
Income
21 000
21 000
21 000
21 000
Total tax
12 913
4 201
8 952
5 782
After tax
8 087
16 799
12 048
15 218
Living cost
17 384
17 384
17 384
17 384
Free-cash
-9 297
-585
-5 336
-2 166

Estimated living cost  is ₽17384 per week

₽11090
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1655
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽395
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.
₽4243
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
₽428
-₽168
₽2302
₽526
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
-
-
-
3 121
health
-
-
-
3 045
pensions
-
-
-
4 200
total
-
-
-
10 366
Employee
16 453
-
17 143
-
income
3 183
-
3 341
-
health
823
-
857
-
unemployment
165
-
171
-
pensions
1 481
-
1 543
-
total
5 652
-
5 912
-
Employer
16 453
-
17 143
-
unemployment
329
-
343
-
pensions
1 810
-
1 886
-
health
1 563
-
1 629
-
total
3 702
-
3 858
-
Corporate
845
21 000
-
-
income
186
4 620
-
-
total
186
4 620
-
-
Dividends
659
16 380
-
-
withholding
132
3 276
-
-
total
132
3 276
-
-
Income
21 000
21 000
21 000
21 000
Total tax
9 672
7 896
9 770
10 366
After tax
11 328
13 104
11 230
10 634
Living cost
10 802
10 802
10 802
10 802
Free-cash
526
2 302
428
-168

Estimated living cost  is ₽10802 per week

₽6419
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽876
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽247
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.
₽3260
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
-₽7134
-₽6674
-₽5559
-₽13063
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
-
-
-
3 024
health
-
-
-
1 491
unemployment
-
-
-
190
surtax
-
-
-
-
pensions
-
-
-
4 201
other
-
-
-
-
total
-
-
-
8 906
Employee
28 140
-
17 350
-
other
-
-
-
-
income
4 717
-
2 908
-
health
718
-
442
-
unemployment
1 958
-
1 208
-
surtax
100
-
-
-
pensions
1 877
-
1 158
-
total
9 370
-
5 716
-
Employer
28 140
-
17 350
-
unemployment
893
-
550
-
pensions
3 752
-
2 312
-
other
-
-
-
-
health
1 280
-
788
-
total
5 925
-
3 650
-
Corporate
-
21 000
-
-
income
-
5 460
-
-
total
-
5 460
-
-
Dividends
-
15 540
-
-
withholding
-
2 331
-
-
total
-
2 331
-
-
Income
21 000
21 000
21 000
21 000
Total tax
15 295
7 791
9 366
8 906
After tax
5 705
13 209
11 634
12 094
Living cost
18 768
18 768
18 768
18 768
Free-cash
-13 063
-5 559
-7 134
-6 674

Estimated living cost  is ₽18768 per week

₽11331
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1632
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽436
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5371
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
-₽20638
-₽16359
-₽24522
-₽26833
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
-
-
-
-
chamber of commerce
-
-
-
84
health