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
₽ 22000
per

Your estimated
City
free-cash

Valencia , Spain
-₽15882
-₽12019
-₽9516
-₽21430
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
-
-
-
22 000
income
-
-
-
2 926
accident
-
-
-
198
unemployment
-
-
-
154
pensions
-
-
-
6 227
other
-
-
-
22
total
-
-
-
9 527
Employee
32 932
-
12 518
-
other
32
-
30
-
income
6 349
-
2 020
-
unemployment
510
-
461
-
pensions
1 548
-
1 398
-
total
8 439
-
3 909
-
Employer
32 932
-
12 518
-
unemployment
1 812
-
1 636
-
pensions
7 771
-
7 019
-
other
264
-
238
-
accident
652
-
588
-
total
10 499
-
9 481
-
Corporate
-
22 000
-
-
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.

-
3 299
-
-
total
-
3 299
-
-
Dividends
-
18 701
-
-
withholding
-
3 725
-
-
total
-
3 725
-
-
Income
22 000
22 000
22 000
22 000
Total tax
18 938
7 024
13 390
9 527
After tax
3 062
14 976
8 610
12 473
Living cost
24 492
24 492
24 492
24 492
Free-cash
-21 430
-9 516
-15 882
-12 019

Estimated living cost  is ₽24492 per week

₽16532
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2354
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.
₽5177
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
-₽10838
-₽11819
-₽7568
-₽18488
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
-
-
-
22 000
income
-
-
-
2 794
health
-
-
-
968
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.

-
-
-
5 280
other
-
-
-
1 045
total
-
-
-
10 087
Employee
32 338
-
17 570
-
income
5 567
-
3 024
-
health
453
-
247
-
unemployment
323
-
176
-
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.

2 263
-
1 230
-
total
8 606
-
4 677
-
Employer
32 338
-
17 570
-
unemployment
323
-
176
-
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.

5 498
-
2 987
-
other
1 617
-
879
-
accident
259
-
140
-
health
453
-
247
-
total
8 150
-
4 429
-
Corporate
-
22 000
-
-
income
-
4 619
-
-
total
-
4 619
-
-
Dividends
-
17 381
-
-
withholding
-
1 217
-
-
total
-
1 217
-
-
Income
22 000
22 000
22 000
22 000
Total tax
16 756
5 836
9 106
10 087
After tax
5 244
16 164
12 894
11 913
Living cost
23 732
23 732
23 732
23 732
Free-cash
-18 488
-7 568
-10 838
-11 819

Estimated living cost  is ₽23732 per week

₽16768
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1602
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽382
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4979
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
₽2229
₽1165
₽7149
₽3017
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
-
-
-
22 000
income
-
-
-
3 300
health
-
-
-
2 530
unemployment
-
-
-
88
pensions

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

-
-
-
3 256
total
-
-
-
9 174
Employee
15 441
-
18 391
-
income
1 544
-
1 839
-
health
710
-
846
-
accident

We are using the highest rate at 1.1%.

170
-
202
-
pensions

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

1 356
-
1 615
-
total
3 780
-
4 502
-
Employer
15 441
-
18 391
-
unemployment
92
-
110
-
pensions

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

1 702
-
2 027
-
accident

We are using the highest rate at 1.1%.

170
-
202
-
health
1 066
-
1 269
-
total
3 030
-
3 608
-
Corporate
3 530
22 000
-
-
income
353
2 200
-
-
total
353
2 200
-
-
Dividends
3 177
19 800
-
-
withholding
159
990
-
-
total
159
990
-
-
Income
22 000
22 000
22 000
22 000
Total tax
7 322
3 190
8 110
9 174
After tax
14 678
18 810
13 890
12 826
Living cost
11 661
11 661
11 661
11 661
Free-cash
3 017
7 149
2 229
1 165

Estimated living cost  is ₽11661 per week

₽6808
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽833
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽309
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.
₽3712
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
-₽16079
-₽17147
-₽19386
-₽28023
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
-
-
-
22 000
income
-
-
-
-
social contributions
-
-
-
627
health
-
-
-
238
surtax
-
-
-
-
pensions
-
-
-
7 127
other
-
-
-
683
total
-
-
-
8 675
Employee
38 118
-
16 766
-
income
2 250
-
-
-
social contributions
1 087
-
478
-
surtax
-
-
-
-
pensions
4 310
-
1 895
-
total
7 647
-
2 373
-
Employer
38 118
-
16 766
-
unemployment
1 543
-
679
-
social contributions
115
-
51
-
pensions
6 262
-
2 753
-
other
1 315
-
578
-
health
2 669
-
1 173
-
total
11 904
-
5 234
-
Corporate
-
22 000
-
-
income
-
6 161
-
-
surtax
-
-
-
-
total
-
6 161
-
-
Dividends
-
15 839
-
-
withholding
-
2 028
-
-
surtax
-
-
-
-
social contributions
-
2 725
-
-
total
-
4 753
-
-
Income
22 000
22 000
22 000
22 000
Total tax
19 551
10 914
7 607
8 675
After tax
2 449
11 086
14 393
13 325
Living cost
30 472
30 472
30 472
30 472
Free-cash
-28 023
-19 386
-16 079
-17 147

Estimated living cost  is ₽30472 per week

₽19214
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2478
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽519
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8263
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
-₽66442
-₽24626
-₽61443
-₽66442
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
-
-
-
22 000
income
-
-
-
1 979
health
-
-
-
3 377
pensions
-
-
-
3 960
total
-
-
-
9 316
Employee
76 057
76 057
76 057
-
income

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

12 449
12 449
12 449
-
health
11 674
9 930
11 674
-
pensions
13 690
10 435
13 690
-
total
37 813
32 814
37 813
-
Employer
76 057
76 057
76 057
-
unemployment
2 738
2 738
2 738
-
pensions
5 294
5 294
5 294
-
health
5 287
5 287
5 287
-
total
13 319
13 319
13 319
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Income
22 000
22 000
22 000
22 000
Total tax
51 132
46 133
51 132
9 316
After tax
-29 132
-24 133
-29 132
12 684
Living cost
37 310
37 310
37 310
37 310
Free-cash
-66 442
-61 443
-66 442
-24 626

Estimated living cost  is ₽37310 per week

₽26441
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3363
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽593
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.
₽6913
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
-₽11124
-₽11124
-₽15659
-₽12066
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.

-
-
-
22 000
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.

-
-
-
59
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.

-
-
-
6 085
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.

-
-
-
3
total
-
-
-
6 147
Employee

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

34 065
-
22 000
-
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.

952
-
59
-
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.

6 085
-
6 085
-
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
-
3
-
total
7 089
-
6 147
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
22 000
-
-
chamber of commerce
-
167
-
-
income
-
3 299
-
-
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.

-
181
-
-
trade
-
3 465
-
-
total
-
7 112
-
-
Dividends
-
14 888
-
-
withholding
-
3 384
-
-
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.

-
186
-
-
total
-
3 570
-
-
Income
22 000
22 000
22 000
22 000
Total tax
7 089
10 682
6 147
6 147
After tax
14 911
11 318
15 853
15 853
Living cost
26 977
26 977
26 977
26 977
Free-cash
-12 066
-15 659
-11 124
-11 124

Estimated living cost  is ₽26977 per week

₽16969
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3145
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽504
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.
₽6358
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
-₽10975
-₽4767
-₽18762
-₽12363
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
-
-
-
33 858
income
-
-
-
-
social contributions
-
-
-
5 282
health
-
-
-
864
total
-
-
-
6 146
Employee
68 486
68 486
68 486
-
income
7 457
6 340
7 700
-
social contributions
2 589
5 684
1 917
-
health
531
1 165
392
-
total
10 577
13 189
10 009
-
Employer
68 486
68 486
68 486
-
social contributions
2 589
5 684
1 917
-
health
576
1 268
428
-
total
3 165
6 952
2 345
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
22 000
22 000
22 000
22 000
Total tax
13 742
20 141
12 354
6 146
After tax
8 258
1 859
9 646
15 854
Living cost
20 621
20 621
20 621
20 621
Free-cash
-12 363
-18 762
-10 975
-4 767

Estimated living cost  is ₽20621 per week

₽12358
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2023
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽456
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.
₽5784
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
-₽14735
-₽14867
-₽15422
-₽28692
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.

-
-
-
22 000
income
-
-
-
1 285
social contributions

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

-
-
-
7 645
surtax
-
-
-
-
total
-
-
-
8 930
Employee
40 963
-
17 778
-
income
8 520
-
2 620
-
social contributions
4 506
-
1 956
-
surtax
-
-
-
-
total
13 026
-
4 576
-
Employer
40 963
-
17 778
-
social contributions
9 729
-
4 222
-
total
9 729
-
4 222
-
Corporate
-
22 000
-
-
income
-
4 619
-
-
surtax
-
-
-
-
total
-
4 619
-
-
Dividends
-
17 381
-
-
withholding
-
4 866
-
-
total
-
4 866
-
-
Income
22 000
22 000
22 000
22 000
Total tax
22 755
9 485
8 798
8 930
After tax
-755
12 515
13 202
13 070
Living cost
27 937
27 937
27 937
27 937
Free-cash
-28 692
-15 422
-14 735
-14 867

Estimated living cost  is ₽27937 per week

₽20902
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1648
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽466
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.
₽4920
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
₽11259
₽15439
₽14559
₽13370
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%.

-
-
-
22 000
microenterprise

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

-
-
-
220
total
-
-
-
220
Employee
7 926
-
22 000
-
income
1 585
-
4 400
-
total
1 585
-
4 400
-
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%.

14 074
22 000
-
-
total
-
-
-
-
Dividends
14 074
22 000
-
-
withholding
704
1 100
-
-
total
704
1 100
-
-
Income
22 000
22 000
22 000
22 000
Total tax
2 289
1 100
4 400
220
After tax
19 711
20 900
17 600
21 780
Living cost
6 341
6 341
6 341
6 341
Free-cash
13 370
14 559
11 259
15 439

Estimated living cost  is ₽6341 per week

₽3930
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽527
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽174
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.
₽1710
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
-₽11573
-₽10877
-₽8743
-₽23518
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.

-
-
-
22 000
income
-
-
-
2 771
health
-
-
-
2 165
unemployment
-
-
-
34
pensions
-
-
-
4 018
total
-
-
-
8 988
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.

39 385
-
19 035
-
income
6 792
-
2 512
-
health
2 544
-
1 229
-
unemployment
56
-
27
-
pensions
6 105
-
2 951
-
total
15 497
-
6 719
-
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.

39 385
-
19 035
-
unemployment
24
-
12
-
pensions
3 485
-
1 685
-
health
2 623
-
1 268
-
total
6 132
-
2 965
-
Corporate
-
22 000
-
-
income
-
4 180
-
-
total
-
4 180
-
-
Dividends
-
17 820
-
-
withholding
-
2 674
-
-
total
-
2 674
-
-
Income
22 000
22 000
22 000
22 000
Total tax
21 629
6 854
9 684
8 988
After tax
371
15 146
12 316
13 012
Living cost
23 889
23 889
23 889
23 889
Free-cash
-23 518
-8 743
-11 573
-10 877

Estimated living cost  is ₽23889 per week

₽16395
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1531
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽463
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.
₽5501
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
-₽14729
-₽41452
-₽20690
-₽25611
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.

-
-
-
22 000
income
-
-
-
25 352
health

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

-
-
-
5 769
total
-
-
-
31 121
Employee
40 858
-
19 997
-
social contributions
4 094
-
2 003
-
income
4 433
-
392
-
total
8 527
-
2 395
-
Employer
40 858
-
19 997
-
social contributions
4 094
-
2 003
-
total
4 094
-
2 003
-
Corporate
-
22 000
-
-
income
-
7 700
-
-
total
-
7 700
-
-
Dividends
-
14 300
-
-
social contributions
2 659
2 659
-
-
total
2 659
2 659
-
-
Income
22 000
22 000
22 000
22 000
Total tax
15 280
10 359
4 398
31 121
After tax
6 720
11 641
17 602
-9 121
Living cost
32 331
32 331
32 331
32 331
Free-cash
-25 611
-20 690
-14 729
-41 452

Estimated living cost  is ₽32331 per week

₽21296
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2549
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽495
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.
₽7989
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
-₽7793
-₽4757
-₽5463
-₽10538
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
-
-
-
22 000
income
-
-
-
3 299
social contributions
-
-
-
3 036
health
-
-
-
1 536
total
-
-
-
7 871
Employee
30 198
-
22 000
-
income
5 037
-
6 335
-
social contributions
4 168
-
3 036
-
health
2 108
-
1 536
-
total
11 313
-
10 907
-
Employer
30 198
-
22 000
-
total
-
-
-
-
Corporate
-
22 000
-
-
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%.

-
1 100
-
-
total
-
1 100
-
-
Dividends
-
20 900
-
-
withholding
-
3 135
-
-
health
786
1 459
-
-
social contributions
1 553
2 883
-
-
total
2 339
7 477
-
-
Income
22 000
22 000
22 000
22 000
Total tax
13 652
8 577
10 907
7 871
After tax
8 348
13 423
11 093
14 129
Living cost
18 886
18 886
18 886
18 886
Free-cash
-10 538
-5 463
-7 793
-4 757

Estimated living cost  is ₽18886 per week

₽12639
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1165
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.
₽4646
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
-₽13060
-₽13510
-₽9078
-₽25737
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
-
-
-
22 000
income
-
-
-
1 891
social contributions
-
-
-
6 424
solidarity contribution
-
-
-
-
health
-
-
-
2 970
total
-
-
-
11 285
Employee
35 625
-
16 418
-
solidarity contribution
-
-
-
-
income
4 275
-
1 970
-
social contributions
2 316
-
1 067
-
health
4 809
-
2 216
-
total
11 400
-
5 253
-
Employer
35 625
-
16 418
-
social contributions
8 906
-
4 104
-
health
3 206
-
1 478
-
total
12 112
-
5 582
-
Corporate
-
22 000
-
-
income
-
4 180
-
-
total
-
4 180
-
-
Dividends
-
17 820
-
-
withholding
-
2 673
-
-
total
-
2 673
-
-
Income
22 000
22 000
22 000
22 000
Total tax
23 512
6 853
10 835
11 285
After tax
-1 512
15 147
11 165
10 715
Living cost
24 225
24 225
24 225
24 225
Free-cash
-25 737
-9 078
-13 060
-13 510

Estimated living cost  is ₽24225 per week

₽18015
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1342
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽419
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.
₽4449
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
₽7718
₽11898
₽11018
₽9165
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%.

-
-
-
22 000
microenterprise

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

-
-
-
220
total
-
-
-
220
Employee
12 352
-
22 000
-
income
2 471
-
4 400
-
total
2 471
-
4 400
-
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%.

9 648
22 000
-
-
total
-
-
-
-
Dividends
9 648
22 000
-
-
withholding
482
1 100
-
-
total
482
1 100
-
-
Income
22 000
22 000
22 000
22 000
Total tax
2 953
1 100
4 400
220
After tax
19 047
20 900
17 600
21 780
Living cost
9 882
9 882
9 882
9 882
Free-cash
9 165
11 018
7 718
11 898

Estimated living cost  is ₽9882 per week

₽6687
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽415
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽331
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.
₽2448
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
-₽28624
-₽29692
-₽31931
-₽51204
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
-
-
-
22 000
income
-
-
-
-
social contributions
-
-
-
627
health
-
-
-
238
surtax
-
-
-
-
pensions
-
-
-
7 127
other
-
-
-
683
total
-
-
-
8 675
Employee
55 783
-
16 766
-
income
4 867
-
-
-
social contributions
1 589
-
478
-
surtax
-
-
-
-
pensions
6 309
-
1 895
-
total
12 765
-
2 373
-
Employer
55 783
-
16 766
-
unemployment
2 260
-
679
-
social contributions
167
-
51
-
pensions
9 166
-
2 753
-
other
1 925
-
578
-
health
3 904
-
1 173
-
total
17 422
-
5 234
-
Corporate
-
22 000
-
-
income
-
6 161
-
-
surtax
-
-
-
-
total
-
6 161
-
-
Dividends
-
15 839
-
-
withholding
-
2 028
-
-
surtax
-
-
-
-
social contributions
-
2 725
-
-
total
-
4 753
-
-
Income
22 000
22 000
22 000
22 000
Total tax
30 187
10 914
7 607
8 675
After tax
-8 187
11 086
14 393
13 325
Living cost
43 017
43 017
43 017
43 017
Free-cash
-51 204
-31 931
-28 624
-29 692

Estimated living cost  is ₽43017 per week

₽29113
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3519
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽590
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.
₽9795
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
-₽2709
-₽3656
₽530
-₽5317
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.

-
-
-
22 000
income
-
-
-
1 975
health
-
-
-
2 266
unemployment
-
-
-
330
pensions
-
-
-
5 720
total
-
-
-
10 291
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.

23 169
-
18 660
-
income
3 194
-
2 291
-
health
1 193
-
961
-
unemployment
174
-
140
-
pensions
3 244
-
2 612
-
total
7 805
-
6 004
-
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.

23 169
-
18 660
-
unemployment
174
-
140
-
pensions
2 780
-
2 239
-
health
1 193
-
961
-
total
4 147
-
3 340
-
Corporate
-
22 000
-
-
income
-
3 300
-
-
total
-
3 300
-
-
Dividends
-
18 700
-
-
withholding
-
2 805
-
-
total
-
2 805
-
-
Income
22 000
22 000
22 000
22 000
Total tax
11 952
6 105
9 344
10 291
After tax
10 048
15 895
12 656
11 709
Living cost
15 365
15 365
15 365
15 365
Free-cash
-5 317
530
-2 709
-3 656

Estimated living cost  is ₽15365 per week

₽10345
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1188
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽445
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3387
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
-₽45605
-₽43280
-₽52142
-₽57725
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
-
-
-
22 000
regional
-
-
-
184
national
-
-
-
-
health
-
-
-
203
city
-
-
-
230
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.

-
-
-
439
pensions
-
-
-
2 024
total
-
-
-
3 080
Employee
72 790
-
19 053
-
regional
2 384
-
115
-
city
781
-
196
-
health
165
-
43
-
unemployment
-
-
-
-
national
345
-
-
-
pensions
6 115
-
2 313
-
total
9 790
-
2 667
-
Employer
72 790
-
19 053
-
unemployment
-
-
-
-
pensions
6 115
-
2 313
-
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.

1 455
-
382
-
health
165
-
43
-
total
7 735
-
2 738
-
Corporate
-
22 000
-
-
regional
-
4 654
-
-
national
-
1 871
-
-
total
-
6 525
-
-
Dividends
-
15 476
-
-
withholding
-
5 417
-
-
total
-
5 417
-
-
Income
22 000
22 000
22 000
22 000
Total tax
17 525
11 942
5 405
3 080
After tax
4 475
10 058
16 595
18 920
Living cost
62 200
62 200
62 200
62 200
Free-cash
-57 725
-52 142
-45 605
-43 280

Estimated living cost  is ₽62200 per week

₽40448
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5582
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽764
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.
₽15407
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
-₽20270
-₽16154
-₽18970
-₽33699
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

-
-
-
22 000
municipal
-
-
-
3 960
national
-
-
-
-
health
-
-
-
-
total
-
-
-
3 960
Employee
46 859
-
18 508
-
health
350
-
-
-
unemployment
703
-
277
-
national
774
-
-
-
municipal
7 675
-
3 058
-
pensions
3 162
-
1 249
-
total
12 664
-
4 584
-
Employer
46 859
-
18 508
-
unemployment
304
-
120
-
pensions
8 130
-
3 211
-
accident
47
-
19
-
health
360
-
142
-
total
8 841
-
3 492
-
Corporate
-
22 000
-
-
income
-
4 400
-
-
total
-
4 400
-
-
Dividends

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

-
13 200
-
-
national
-
-
-
-
municipal
-
2 376
-
-
total
-
2 376
-
-
Income
22 000
22 000
22 000
22 000
Total tax
21 505
6 776
8 076
3 960
After tax
495
15 224
13 924
18 040
Living cost
34 194
34 194
34 194
34 194
Free-cash
-33 699
-18 970
-20 270
-16 154

Estimated living cost  is ₽34194 per week

₽22336
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3289
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽544
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.
₽8027
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
-₽22254
-₽20534
-₽19891
-₽60253
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
-
-
-
22 000
national
-
-
-
4 327
social contributions
-
-
-
4 695
communal

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

-
-
-
1 038
total
-
-
-
10 060
Employee

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

63 708
-
17 039
-
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.

2 993
-
801
-
communal

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

3 323
-
889
-
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.

554
-
149
-
national
19 586
-
3 703
-
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.

4 778
-
1 278
-
total
31 234
-
6 820
-
Employer

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

63 708
-
17 039
-
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.

930
-
248
-
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.

5 645
-
1 509
-
surtax
7 224
-
1 934
-
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.

828
-
221
-
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.

3 918
-
1 048
-
total
18 545
-
4 960
-
Corporate
-
22 000
-
-
income
-
4 400
-
-
surtax
-
88
-
-
total
-
4 488
-
-
Dividends
-
17 513
-
-
withholding

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

-
4 929
-
-
total
-
4 929
-
-
Income
22 000
22 000
22 000
22 000
Total tax
49 779
9 417
11 780
10 060
After tax
-27 779
12 583
10 220
11 940
Living cost
32 474
32 474
32 474
32 474
Free-cash
-60 253
-19 891
-22 254
-20 534

Estimated living cost  is ₽32474 per week

₽20917
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2839
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽509
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.
₽8209
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
-₽24438
-₽25220
-₽24175
-₽45764
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
-
-
-
22 000
municipal
-
-
-
4 660
national
-
-
-
-
health
-
-
-
1 373
accident
-
-
-
44
unemployment
-
-
-
22
pensions
-
-
-
2 378
other
-
-
-
2 556
total
-
-
-
11 033
Employee
51 564
-
16 740
-
national
-
-
-
-
municipal
15 376
-
4 992
-
total
15 376
-
4 992
-
Employer
51 564
-
16 740
-
unemployment
1 361
-
442
-
pensions
5 574
-
1 810
-
other
5 992
-
1 945
-
accident
103
-
33
-
health
3 171
-
1 029
-
total
16 201
-
5 259
-
Corporate
-
22 000
-
-
income
-
4 840
-
-
total
-
4 840
-
-
Dividends
-
17 160
-
-
withholding
-
5 148
-
-
total
-
5 148
-
-
Income
22 000
22 000
22 000
22 000
Total tax
31 577
9 988
10 251
11 033
After tax
-9 577
12 012
11 749
10 967
Living cost
36 187
36 187
36 187
36 187
Free-cash
-45 764
-24 175
-24 438
-25 220

Estimated living cost  is ₽36187 per week

₽23984
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3551
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽550
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.
₽8103
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
-₽29875
-₽23527
-₽25346
-₽111839
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
-
-
-
22 000
income
-
-
-
4 288
social contributions
-
-
-
2 508
total
-
-
-
6 796
Employee
55 535
-
6 715
-
income
12 250
-
1 335
-
social contributions
4 554
-
649
-
total
16 804
-
1 984
-
Employer
55 535
-
6 715
-
social contributions
78 304
-
11 160
-
total
78 304
-
11 160
-
Corporate
-
22 000
-
-
income
-
4 840
-
-
total
-
4 840
-
-
Dividends
-
17 160
-
-
income
-
3 775
-
-
total
-
3 775
-
-
Income
22 000
22 000
22 000
22 000
Total tax
95 108
8 615
13 144
6 796
After tax
-73 108
13 385
8 856
15 204
Living cost
38 731
38 731
38 731
38 731
Free-cash
-111 839
-25 346
-29 875
-23 527

Estimated living cost  is ₽38731 per week

₽25130
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3643
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽494
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.
₽9464
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
-₽19242
-₽13034
-₽27029
-₽22159
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
-
-
-
33 858
income
-
-
-
-
social contributions
-
-
-
5 282
health
-
-
-
864
total
-
-
-
6 146
Employee
68 486
68 486
68 486
-
income
7 192
6 340
7 700
-
social contributions
3 328
5 684
1 917
-
health
681
1 165
392
-
total
11 201
13 189
10 009
-
Employer
68 486
68 486
68 486
-
social contributions
3 328
5 684
1 917
-
health
742
1 268
428
-
total
4 070
6 952
2 345
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
22 000
22 000
22 000
22 000
Total tax
15 271
20 141
12 354
6 146
After tax
6 729
1 859
9 646
15 854
Living cost
28 888
28 888
28 888
28 888
Free-cash
-22 159
-27 029
-19 242
-13 034

Estimated living cost  is ₽28888 per week

₽19748
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2256
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽485
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.
₽6399
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
-₽16189
-₽14860
-₽15546
-₽27242
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
-
-
-
22 000
income
-
-
-
4 292
pensions
-
-
-
539
total
-
-
-
4 831
Employee
43 964
-
20 420
-
income
8 006
-
3 959
-
health
573
-
91
-
pensions
3 356
-
530
-
total
11 935
-
4 580
-
Employer
43 964
-
20 420
-
pensions
4 442
-
1 193
-
health
836
-
387
-
total
5 278
-
1 580
-
Corporate
-
22 000
-
-
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.

-
4 180
-
-
total
-
4 180
-
-
Dividends
-
17 820
-
-
withholding
-
1 337
-
-
total
-
1 337
-
-
Income
22 000
22 000
22 000
22 000
Total tax
17 213
5 517
6 160
4 831
After tax
4 787
16 483
15 840
17 169
Living cost
32 029
32 029
32 029
32 029
Free-cash
-27 242
-15 546
-16 189
-14 860

Estimated living cost  is ₽32029 per week

₽21971
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2945
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽401
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.
₽6709
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
-₽25850
-₽24253
-₽23893
-₽53052
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
-
-
-
22 000
municipal
-
-
-
135
regional
-
-
-
262
national
-
-
-
3 472
social contributions
-
-
-
6 903
total
-
-
-
10 772
Employee
75 051
-
22 000
-
regional
1 133
-
225
-
social contributions
25 307
-
9 049
-
national
12 683
-
2 978
-
municipal
448
-
117
-
total
39 571
-
12 369
-
Employer
75 051
-
22 000
-
total
-
-
-
-
Corporate
-
22 000
-
-
nationa
-
5 280
-
-
municipal
-
1 060
-
-
total
-
6 340
-
-
Dividends
-
15 660
-
-
withholding
-
4 072
-
-
total
-
4 072
-
-
Income
22 000
22 000
22 000
22 000
Total tax
39 571
10 412
12 369
10 772
After tax
-17 571
11 588
9 631
11 228
Living cost
35 481
35 481
35 481
35 481
Free-cash
-53 052
-23 893
-25 850
-24 253

Estimated living cost  is ₽35481 per week

₽24923
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2441
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽536
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.
₽7580
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
-₽6950
-₽5308
-₽16785
-₽13160
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
-
-
-
22 000
income
-
-
-
2 862
health
-
-
-
1 841
accident
-
-
-
213
pensions
-
-
-
3 512
other
-
-
-
313
total
-
-
-
8 741
Employee
29 207
-
18 275
-
income
4 007
-
2 507
-
health
3 344
-
2 093
-
pensions
3 289
-
2 058
-
total
10 640
-
6 658
-
Employer
29 207
-
18 275
-
unemployment
716
-
448
-
pensions
4 749
-
2 972
-
accident
488
-
305
-
total
5 953
-
3 725
-
Corporate
-
22 000
-
-
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.

-
19 800
-
-
total
-
19 800
-
-
Dividends
-
2 200
-
-
withholding
-
418
-
-
total
-
418
-
-
Income
22 000
22 000
22 000
22 000
Total tax
16 593
20 218
10 383
8 741
After tax
5 407
1 782
11 617
13 259
Living cost
18 567
18 567
18 567
18 567
Free-cash
-13 160
-16 785
-6 950
-5 308

Estimated living cost  is ₽18567 per week

₽13608
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1029
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽388
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3543
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
-₽18532
-₽18532
-₽22840
-₽22315
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.

-
-
-
22 000
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.

-
-
-
59
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.

-
-
-
6 085
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.

-
-
-
3
total
-
-
-
6 147
Employee

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

44 315
-
22 000
-
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.

3 644
-
59
-
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.

6 085
-
6 085
-
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.

201
-
3
-
total
9 930
-
6 147
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
22 000
-
-
chamber of commerce
-
167
-
-
income
-
3 299
-
-
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.

-
181
-
-
trade
-
3 157
-
-
total
-
6 804
-
-
Dividends
-
15 195
-
-
withholding
-
3 460
-
-
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.

-
191
-
-
total
-
3 651
-
-
Income
22 000
22 000
22 000
22 000
Total tax
9 930
10 455
6 147
6 147
After tax
12 070
11 545
15 853
15 853
Living cost
34 385
34 385
34 385
34 385
Free-cash
-22 315
-22 840
-18 532
-18 532

Estimated living cost  is ₽34385 per week

₽23720
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3700
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽499
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.
₽6467
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
-₽5906
-₽2632
-₽929
-₽10294
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.

-
-
-
22 000
microenterprise
-
-
-
3 299
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.

-
-
-
2 804
surtax
-
-
-
-
total
-
-
-
6 103
Employee
26 025
-
17 729
-
income
4 633
-
3 156
-
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.

2 863
-
1 950
-
surtax
-
-
-
-
total
7 496
-
5 106
-
Employer
26 025
-
17 729
-
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.

6 269
-
4 271
-
surtax
-
-
-
-
total
6 269
-
4 271
-
Corporate
-
22 000
-
-
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%.

-
4 400
-
-
total
-
4 400
-
-
Dividends

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

-
17 600
-
-
total
-
-
-
-
Income
22 000
22 000
22 000
22 000
Total tax
13 765
4 400
9 377
6 103
After tax
8 235
17 600
12 623
15 897
Living cost
18 529
18 529
18 529
18 529
Free-cash
-10 294
-929
-5 906
-2 632

Estimated living cost  is ₽18529 per week

₽11821
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1765
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽421
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.
₽4523
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
₽112
-₽514
₽2054
₽136
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
-
-
-
22 000
income
-
-
-
3 250
health
-
-
-
3 190
pensions
-
-
-
4 400
total
-
-
-
10 840
Employee
17 780
-
17 959
-
income
3 440
-
3 481
-
health
889
-
898
-
unemployment
178
-
179
-
pensions
1 600
-
1 616
-
total
6 107
-
6 174
-
Employer
17 780
-
17 959
-
unemployment
356
-
359
-
pensions
1 956
-
1 975
-
health
1 689
-
1 706
-
total
4 001
-
4 040
-
Corporate
219
22 000
-
-
income
48
4 840
-
-
total
48
4 840
-
-
Dividends
171
17 160
-
-
withholding
34
3 432
-
-
total
34
3 432
-
-
Income
22 000
22 000
22 000
22 000
Total tax
10 190
8 272
10 214
10 840
After tax
11 810
13 728
11 786
11 160
Living cost
11 674
11 674
11 674
11 674
Free-cash
136
2 054
112
-514

Estimated living cost  is ₽11674 per week

₽6937
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽946
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽267
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.
₽3523
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
-₽7815
-₽7338
-₽6167
-₽14308
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
-
-
-
22 000
income
-
-
-
3 167
health
-
-
-
1 563
unemployment
-
-
-
203
surtax
-
-
-
-
pensions
-
-
-
4 400
other
-
-
-
-
total
-
-
-
9 333
Employee
29 994
-
18 175
-
other
-
-
-
-
income
5 028
-
3 047
-
health
766
-
463
-
unemployment
2 087
-
1 264
-
surtax
106
-
-
-
pensions
2 001
-
1 212
-
total
9 988
-
5 986
-
Employer
29 994
-
18 175
-
unemployment
952
-
576
-
pensions
3 999
-
2 422
-
other
-
-
-
-
health
1 364
-
826
-
total
6 315
-
3 824
-
Corporate
-
22 000
-
-
income
-
5 720
-
-
total
-
5 720
-
-
Dividends
-
16 280
-
-
withholding
-
2 442
-
-
total
-
2 442
-
-
Income
22 000
22 000
22 000
22 000
Total tax
16 303
8 162
9 810
9 333
After tax
5 697
13 838
12 190
12 667
Living cost
20 005
20 005
20 005
20 005
Free-cash
-14 308
-6 167
-7 815
-7 338

Estimated living cost  is ₽20005 per week

₽12078
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1739
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.
₽5725
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
-₽22200
-₽17719
-₽26521
-₽28981
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
-
-
-
22 000
income
-
-
-
-
chamber of commerce
-
-
-
88
health