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
₽ 221500
per

Your estimated
City
free-cash

Valencia , Spain
₽121626
₽98530
₽101820
₽125086
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
-
-
-
221 500
unemployment
-
-
-
509
income
-
-
-
76 337
other
-
-
-
73
accident
-
-
-
654
pensions
-
-
-
20 556
total
-
-
-
98 129
Employee
28 978
-
198 342
-
unemployment
449
-
1 126
-
pensions
1 362
-
3 415
-
income
5 587
-
73 647
-
other
28
-
73
-
total
7 426
-
78 261
-
Employer
28 978
-
198 342
-
pensions
6 838
-
17 143
-
accident
574
-
1 438
-
unemployment
1 594
-
3 995
-
other
232
-
582
-
total
9 238
-
23 158
-
Corporate
183 283
221 500
-
-
income

The general rate of corporate tax is 25%. The lower rate of 15% is introduced for newly formed companies which applies during the first two years of operation in which taxable profit is made. We use the lower rate in our model.

27 493
33 225
-
-
total
27 493
33 225
-
-
Dividends
155 790
188 275
-
-
withholding
34 166
41 638
-
-
total
34 166
41 638
-
-
Income
221 500
221 500
221 500
221 500
Total tax
78 323
74 863
101 419
98 129
After tax
143 177
146 637
120 081
123 371
Living cost
21 551
21 551
21 551
21 551
Free-cash
121 626
125 086
98 530
101 820

Estimated living cost  is ₽21551 per week

₽14547
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2072
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽378
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4555
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
₽136560
₽117202
₽118929
₽141853
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
-
-
-
221 500
pensions

Participation in the individual account program is voluntary (6% of an income). The decision to contribute to an individual account must be made before the age of 35 and cannot be reversed.

-
-
-
28 602
income
-
-
-
42 182
other
-
-
-
5 660
health
-
-
-
5 244
total
-
-
-
81 688
Employee
28 456
-
190 894
-
health
399
-
1 669
-
unemployment
284
-
1 191
-
pensions

Participation in the individual account program is voluntary (6% of an income). The decision to contribute to an individual account must be made before the age of 35 and cannot be reversed.

1 991
-
8 342
-
income
4 899
-
41 607
-
total
7 573
-
52 809
-
Employer
28 456
-
190 894
-
health
399
-
1 669
-
pensions

Participation in the individual account program is voluntary (6% of an income). The decision to contribute to an individual account must be made before the age of 35 and cannot be reversed.

4 838
-
20 261
-
accident
228
-
1 527
-
unemployment
284
-
1 191
-
other
1 423
-
5 958
-
total
7 172
-
30 606
-
Corporate
185 873
221 500
-
-
income
39 034
46 515
-
-
total
39 034
46 515
-
-
Dividends
146 839
174 985
-
-
withholding
10 278
12 249
-
-
total
10 278
12 249
-
-
Income
221 500
221 500
221 500
221 500
Total tax
64 057
58 764
83 415
81 688
After tax
157 443
162 736
138 085
139 812
Living cost
20 883
20 883
20 883
20 883
Free-cash
136 560
141 853
117 202
118 929

Estimated living cost  is ₽20883 per week

₽14755
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1410
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽336
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.
₽4381
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
₽175472
₽180285
₽170698
₽179112
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
-
-
-
221 500
pensions

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

-
-
-
4 050
unemployment
-
-
-
109
income
-
-
-
33 225
health
-
-
-
3 147
total
-
-
-
40 531
Employee
13 600
-
216 132
-
health
626
-
1 259
-
accident

We are using the highest rate at 1.1%.

150
-
301
-
pensions

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

1 194
-
2 403
-
income
1 360
-
21 613
-
total
3 330
-
25 576
-
Employer
13 600
-
216 132
-
health
939
-
1 888
-
pensions

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

1 499
-
3 015
-
accident

We are using the highest rate at 1.1%.

150
-
301
-
unemployment
81
-
164
-
total
2 669
-
5 368
-
Corporate
205 232
221 500
-
-
income
20 523
22 150
-
-
total
20 523
22 150
-
-
Dividends
184 709
199 350
-
-
withholding
9 235
9 967
-
-
total
9 235
9 967
-
-
Income
221 500
221 500
221 500
221 500
Total tax
35 757
32 117
30 944
40 531
After tax
185 743
189 383
190 556
180 969
Living cost
10 270
10 270
10 270
10 270
Free-cash
175 472
179 112
180 285
170 698

Estimated living cost  is ₽10270 per week

₽5996
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽733
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽272
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.
₽3269
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
₽89452
₽81121
₽90478
₽84824
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
-
-
-
221 500
income
-
-
-
47 518
other
-
-
-
6 867
health
-
-
-
11 971
social contributions
-
-
-
6 312
pensions
-
-
-
31 541
surtax
-
-
-
-
total
-
-
-
104 209
Employee
33 541
-
166 978
-
pensions
3 792
-
13 456
-
income
1 980
-
40 830
-
social contributions
956
-
4 758
-
surtax
-
-
-
-
total
6 728
-
59 044
-
Employer
33 541
-
166 978
-
health
2 348
-
17 635
-
social contributions
101
-
501
-
pensions
5 510
-
22 324
-
unemployment
1 358
-
6 762
-
other
1 157
-
7 300
-
total
10 474
-
54 522
-
Corporate
177 484
221 500
-
-
income
49 696
62 020
-
-
surtax
-
-
-
-
total
49 696
62 020
-
-
Dividends
127 788
159 480
-
-
social contributions
21 980
27 429
-
-
surtax
-
-
-
-
withholding
16 357
20 414
-
-
total
38 337
47 843
-
-
Income
221 500
221 500
221 500
221 500
Total tax
105 235
109 863
113 566
104 209
After tax
116 265
111 637
107 934
117 291
Living cost
26 813
26 813
26 813
26 813
Free-cash
89 452
84 824
81 121
90 478

Estimated living cost  is ₽26813 per week

₽16907
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2180
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽457
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.
₽7271
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
₽73275
₽108747
₽83649
₽78077
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
-
-
-
221 500
pensions
-
-
-
9 182
income
-
-
-
86 174
health
-
-
-
9 664
total
-
-
-
105 020
Employee
66 925
66 925
206 936
-
health
10 272
8 737
9 664
-
pensions
12 047
9 182
9 182
-
income

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

10 955
10 955
46 511
-
total
33 274
28 874
65 357
-
Employer
66 925
66 925
206 936
-
health
4 652
4 652
5 781
-
pensions
4 658
4 658
5 790
-
unemployment
2 409
2 409
2 994
-
total
11 719
11 719
14 565
-
Corporate
143 676
142 855
-
-
income
28 735
28 571
-
-
total
28 735
28 571
-
-
Dividends
114 942
114 284
-
-
income
24 425
24 285
-
-
withholding
17 241
17 143
-
-
total
41 666
41 428
-
-
Income
221 500
221 500
221 500
221 500
Total tax
115 394
110 592
79 922
105 020
After tax
106 106
110 908
141 578
116 480
Living cost
32 831
32 831
32 831
32 831
Free-cash
73 275
78 077
108 747
83 649

Estimated living cost  is ₽32831 per week

₽23266
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2960
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽522
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.
₽6083
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
₽96511
₽110411
₽81264
₽87842
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.

-
-
-
221 500
trade
-
-
-
29 147
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.

-
-
-
77 723
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.

-
-
-
5 354
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.

-
-
-
4 274
total
-
-
-
116 498
Employee

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

29 975
-
221 500
-
health

Our model is based on the assumption that an owner of the company is either a director or registered self-employed, so all social security contributions are not mandatory.

However, you would need to purchase private health insurance. We took an average price of €3600 per annum per person.

5 354
-
5 354
-
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.

837
-
77 723
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

46
-
4 274
-
total
6 237
-
87 351
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
191 525
221 500
-
-
income
28 729
33 225
-
-
trade
30 165
34 886
-
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

1 579
1 828
-
-
chamber of commerce
394
437
-
-
total
60 867
70 376
-
-
Dividends
130 657
151 124
-
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

1 780
2 061
-
-
withholding
32 367
37 483
-
-
total
34 147
39 544
-
-
Income
221 500
221 500
221 500
221 500
Total tax
101 251
109 920
87 351
116 498
After tax
120 249
111 580
134 149
105 002
Living cost
23 738
23 738
23 738
23 738
Free-cash
96 511
87 842
110 411
81 264

Estimated living cost  is ₽23738 per week

₽14932
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2768
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽443
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.
₽5595
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
₽138905
₽127351
₽129071
₽143168
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
-
-
-
221 500
income
-
-
-
55 956
health
-
-
-
5 648
social contributions
-
-
-
12 680
total
-
-
-
74 284
Employee
60 263
60 263
210 853
-
health
467
1 025
3 584
-
income
6 562
5 579
55 027
-
social contributions
2 278
5 002
6 746
-
total
9 307
11 606
65 357
-
Employer
60 263
60 263
210 853
-
health
507
1 115
3 901
-
social contributions
2 278
5 002
6 746
-
total
2 785
6 117
10 647
-
Corporate
191 262
155 120
-
-
income
23 907
19 390
-
-
total
23 907
19 390
-
-
Dividends
167 355
135 729
-
-
withholding
28 451
23 074
-
-
total
28 451
23 074
-
-
Income
221 500
221 500
221 500
221 500
Total tax
64 450
60 187
76 004
74 284
After tax
157 050
161 313
145 496
147 216
Living cost
18 145
18 145
18 145
18 145
Free-cash
138 905
143 168
127 351
129 071

Estimated living cost  is ₽18145 per week

₽10875
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1780
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽402
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.
₽5089
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
₽100619
₽69706
₽88685
₽101408
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.

-
-
-
221 500
income
-
-
-
31 261
social contributions

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

-
-
-
76 972
surtax
-
-
-
-
total
-
-
-
108 233
Employee
36 044
-
178 989
-
income
7 497
-
64 006
-
social contributions
3 965
-
19 689
-
surtax
-
-
1 008
-
total
11 462
-
84 703
-
Employer
36 044
-
178 989
-
social contributions
8 560
-
42 509
-
total
8 560
-
42 509
-
Corporate
176 895
221 500
-
-
income
37 148
46 515
-
-
surtax
-
-
-
-
total
37 148
46 515
-
-
Dividends
139 747
174 985
-
-
withholding
39 129
48 995
-
-
total
39 129
48 995
-
-
Income
221 500
221 500
221 500
221 500
Total tax
96 299
95 510
127 212
108 233
After tax
125 201
125 990
94 288
113 267
Living cost
24 582
24 582
24 582
24 582
Free-cash
100 619
101 408
69 706
88 685

Estimated living cost  is ₽24582 per week

₽18393
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1450
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽410
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4329
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
₽203213
₽171126
₽213211
₽204351
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%.

-
-
-
221 500
microenterprise

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

-
-
-
2 215
total
-
-
-
2 215
Employee
7 592
-
221 500
-
income
1 518
-
44 300
-
total
1 518
-
44 300
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

We will register your company as part of a virtual zone. Your non-Georgian corporate tax will be zero. Turnover in Georgia will be taxed at 15%.

213 908
221 500
-
-
total
-
-
-
-
Dividends
213 908
221 500
-
-
withholding
10 695
11 075
-
-
total
10 695
11 075
-
-
Income
221 500
221 500
221 500
221 500
Total tax
12 213
11 075
44 300
2 215
After tax
209 287
210 425
177 200
219 285
Living cost
6 074
6 074
6 074
6 074
Free-cash
203 213
204 351
171 126
213 211

Estimated living cost  is ₽6074 per week

₽3764
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽505
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽167
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.
₽1638
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
₽124926
₽72236
₽77046
₽131480
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.

-
-
-
221 500
pensions
-
-
-
40 451
unemployment
-
-
-
332
income
-
-
-
60 855
health
-
-
-
21 795
total
-
-
-
123 433
Employee

The minimum monthly earnings used to calculate contributions are 54% (gradually rising by two percent until reaching 60% by 2021) of the insured's average monthly wage in the last year.

34 656
-
191 659
-
health
2 238
-
12 381
-
unemployment
49
-
268
-
pensions
5 372
-
29 707
-
income
5 976
-
56 045
-
total
13 635
-
98 401
-
Employer

The minimum monthly earnings used to calculate contributions are 54% (gradually rising by two percent until reaching 60% by 2021) of the insured's average monthly wage in the last year.

34 656
-
191 659
-
health
2 308
-
12 765
-
pensions
3 067
-
16 962
-
unemployment
21
-
115
-
total
5 396
-
29 842
-
Corporate
181 449
221 500
-
-
income
34 475
42 086
-
-
total
34 475
42 086
-
-
Dividends
146 973
179 414
-
-
withholding
22 047
26 913
-
-
total
22 047
26 913
-
-
Income
221 500
221 500
221 500
221 500
Total tax
75 553
68 999
128 243
123 433
After tax
145 947
152 501
93 257
98 067
Living cost
21 021
21 021
21 021
21 021
Free-cash
124 926
131 480
72 236
77 046

Estimated living cost  is ₽21021 per week

₽14426
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1347
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.
₽4841
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
₽114124
₽123950
₽154871
₽111386
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.

-
-
-
221 500
income
-
-
-
33 225
health

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

-
-
-
4 955
total
-
-
-
38 180
Employee
35 952
-
217 895
-
social contributions
3 602
-
3 605
-
income
3 901
-
61 891
-
total
7 503
-
65 496
-
Employer
35 952
-
217 895
-
social contributions
3 602
-
3 605
-
total
3 602
-
3 605
-
Corporate
181 946
221 500
-
-
income
63 682
77 525
-
-
total
63 682
77 525
-
-
Dividends
118 264
143 975
-
-
social contributions
4 140
4 140
-
-
total
4 140
4 140
-
-
Income
221 500
221 500
221 500
221 500
Total tax
78 927
81 665
69 101
38 180
After tax
142 573
139 835
152 399
183 320
Living cost
28 449
28 449
28 449
28 449
Free-cash
114 124
111 386
123 950
154 871

Estimated living cost  is ₽28449 per week

₽18739
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2243
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.
₽7030
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
₽118923
₽64280
₽125629
₽118518
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
-
-
-
221 500
income
-
-
-
33 225
health
-
-
-
15 461
social contributions
-
-
-
30 567
total
-
-
-
79 253
Employee
26 572
-
221 500
-
health
1 855
-
15 461
-
income
4 432
-
94 574
-
social contributions
3 668
-
30 567
-
total
9 955
-
140 602
-
Employer
26 572
-
221 500
-
total
-
-
-
-
Corporate
194 928
221 500
-
-
income

The standard tax rate is 15%. However, small companies and agricultural companies can apply a reduced corporate income tax rate of 0% to the first year of operation when certain conditions are met; and 5% to revenues of less than €300,000 per year. We made calculations based on 5% and skipped 0%.

9 746
11 075
-
-
total
9 746
11 075
-
-
Dividends
185 182
210 425
-
-
social contributions
25 555
29 038
-
-
withholding
27 777
31 563
-
-
health
12 926
14 688
-
-
total
66 258
75 289
-
-
Income
221 500
221 500
221 500
221 500
Total tax
85 959
86 364
140 602
79 253
After tax
135 541
135 136
80 898
142 247
Living cost
16 618
16 618
16 618
16 618
Free-cash
118 923
118 518
64 280
125 629

Estimated living cost  is ₽16618 per week

₽11121
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1025
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.
₽4088
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
₽122741
₽103287
₽113668
₽130566
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
-
-
-
221 500
income
-
-
-
24 897
health
-
-
-
29 903
social contributions
-
-
-
25 617
solidarity contribution
-
-
-
5 478
total
-
-
-
85 895
Employee
32 261
-
183 090
-
health
4 355
-
24 717
-
solidarity contribution
-
-
4 546
-
income
3 871
-
22 901
-
social contributions
2 097
-
5 702
-
total
10 323
-
57 866
-
Employer
32 261
-
183 090
-
health
2 903
-
16 478
-
social contributions
8 065
-
21 932
-
total
10 968
-
38 410
-
Corporate
178 271
221 500
-
-
income
33 871
42 085
-
-
total
33 871
42 085
-
-
Dividends
144 399
179 415
-
-
withholding
21 660
26 912
-
-
total
21 660
26 912
-
-
Income
221 500
221 500
221 500
221 500
Total tax
76 822
68 997
96 276
85 895
After tax
144 678
152 503
125 224
135 605
Living cost
21 937
21 937
21 937
21 937
Free-cash
122 741
130 566
103 287
113 668

Estimated living cost  is ₽21937 per week

₽16314
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1215
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽380
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4029
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
₽199186
₽167735
₽209820
₽200960
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%.

-
-
-
221 500
microenterprise

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

-
-
-
2 215
total
-
-
-
2 215
Employee
11 832
-
221 500
-
income
2 366
-
44 300
-
total
2 366
-
44 300
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

We will register your company as part of a virtual zone. Your non-Georgian corporate tax will be zero. Turnover in Georgia will be taxed at 15%.

209 668
221 500
-
-
total
-
-
-
-
Dividends
209 668
221 500
-
-
withholding
10 483
11 075
-
-
total
10 483
11 075
-
-
Income
221 500
221 500
221 500
221 500
Total tax
12 849
11 075
44 300
2 215
After tax
208 651
210 425
177 200
219 285
Living cost
9 465
9 465
9 465
9 465
Free-cash
199 186
200 960
167 735
209 820

Estimated living cost  is ₽9465 per week

₽6405
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽397
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽317
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.
₽2345
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
₽79173
₽70082
₽79439
₽73785
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
-
-
-
221 500
income
-
-
-
47 518
other
-
-
-
6 867
health
-
-
-
11 971
social contributions
-
-
-
6 312
pensions
-
-
-
31 541
surtax
-
-
-
-
total
-
-
-
104 209
Employee
49 085
-
166 978
-
pensions
5 552
-
13 456
-
income
4 283
-
40 830
-
social contributions
1 398
-
4 758
-
surtax
-
-
-
-
total
11 233
-
59 044
-
Employer
49 085
-
166 978
-
health
3 435
-
17 635
-
social contributions
147
-
501
-
pensions
8 065
-
22 324
-
unemployment
1 988
-
6 762
-
other
1 694
-
7 300
-
total
15 329
-
54 522
-
Corporate
157 085
221 500
-
-
income
43 983
62 020
-
-
surtax
-
-
-
-
total
43 983
62 020
-
-
Dividends
113 101
159 480
-
-
social contributions
19 453
27 429
-
-
surtax
-
-
-
-
withholding
14 477
20 414
-
-
total
33 930
47 843
-
-
Income
221 500
221 500
221 500
221 500
Total tax
104 475
109 863
113 566
104 209
After tax
117 025
111 637
107 934
117 291
Living cost
37 852
37 852
37 852
37 852
Free-cash
79 173
73 785
70 082
79 439

Estimated living cost  is ₽37852 per week

₽25618
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3096
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.
₽8618
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
₽142677
₽134050
₽134050
₽146522
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.

-
-
-
221 500
pensions
-
-
-
15 013
unemployment
-
-
-
866
income
-
-
-
52 111
health
-
-
-
5 948
total
-
-
-
73 938
Employee

The minimum tax base for social security contributions are defined by the Law on Mandatory Social Insurance Contributions and is fixed at 35% of an average monthly salary published in Serbia. The maximum tax base for social security contributions is capped at five times the average monthly salary published by the official statistics in Serbia at the moment of salary payment.

The minimum monthly earnings used to calculate the contributions are 35% of the national average gross wage for the previous three months.

The maximum monthly earnings used to calculate the contributions are five times the national average gross wage in the previous month.

20 376
-
211 164
-
health
1 049
-
2 974
-
unemployment
153
-
433
-
pensions
2 853
-
8 084
-
income
2 809
-
52 111
-
total
6 864
-
63 602
-
Employer

The minimum tax base for social security contributions are defined by the Law on Mandatory Social Insurance Contributions and is fixed at 35% of an average monthly salary published in Serbia. The maximum tax base for social security contributions is capped at five times the average monthly salary published by the official statistics in Serbia at the moment of salary payment.

The minimum monthly earnings used to calculate the contributions are 35% of the national average gross wage for the previous three months.

The maximum monthly earnings used to calculate the contributions are five times the national average gross wage in the previous month.

20 376
-
211 164
-
health
1 049
-
2 974
-
pensions
2 445
-
6 929
-
unemployment
153
-
433
-
total
3 647
-
10 336
-
Corporate
197 477
221 500
-
-
income
29 622
33 225
-
-
total
29 622
33 225
-
-
Dividends
167 856
188 275
-
-
withholding
25 178
28 241
-
-
total
25 178
28 241
-
-
Income
221 500
221 500
221 500
221 500
Total tax
65 311
61 466
73 938
73 938
After tax
156 189
160 034
147 562
147 562
Living cost
13 512
13 512
13 512
13 512
Free-cash
142 677
146 522
134 050
134 050

Estimated living cost  is ₽13512 per week

₽9098
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1045
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽391
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2978
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
₽70799
₽111998
₽116996
₽47997
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
-
-
-
221 500
pensions
-
-
-
20 378
city
-
-
-
2 339
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.

-
-
-
4 057
health
-
-
-
498
regional
-
-
-
14 593
national
-
-
-
9 350
total
-
-
-
51 215
Employee
62 361
-
200 921
-
health
141
-
452
-
unemployment
-
-
-
-
city
669
-
2 194
-
pensions
5 239
-
13 899
-
regional
2 042
-
13 291
-
national
295
-
8 008
-
total
8 386
-
37 844
-
Employer
62 361
-
200 921
-
health
141
-
452
-
pensions
5 239
-
13 899
-
unemployment
-
-
-
-
other

This will depend on a canton and a chosen fund. The rate is between 0.1% and 3.63% for an employee. We use 2% as an average rate.

1 247
-
4 018
-
total
6 627
-
18 369
-
Corporate
151 826
221 500
-
-
regional
32 111
46 848
-
-
national
12 905
18 827
-
-
total
45 016
65 675
-
-
Dividends
106 810
155 825
-
-
withholding
37 383
54 539
-
-
total
37 383
54 539
-
-
Income
221 500
221 500
221 500
221 500
Total tax
97 412
120 214
56 213
51 215
After tax
124 088
101 286
165 287
170 285
Living cost
53 289
53 289
53 289
53 289
Free-cash
70 799
47 997
111 998
116 996

Estimated living cost  is ₽53289 per week

₽34653
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4782
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽654
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.
₽13199
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
₽105941
₽75280
₽100649
₽101551
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

-
-
-
221 500
municipal
-
-
-
39 315
health
-
-
-
3 085
national
-
-
-
48 362
total
-
-
-
90 762
Employee
41 232
-
186 339
-
health
308
-
2 543
-
unemployment
619
-
2 795
-
pensions
2 783
-
12 577
-
national
681
-
32 739
-
municipal
6 754
-
30 316
-
total
11 145
-
80 970
-
Employer
41 232
-
186 339
-
health
317
-
1 435
-
pensions
7 154
-
32 329
-
accident
42
-
186
-
unemployment
268
-
1 211
-
total
7 781
-
35 161
-
Corporate
172 488
221 500
-
-
income
34 498
44 300
-
-
total
34 498
44 300
-
-
Dividends

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

103 493
132 900
-
-
municipal
18 629
23 922
-
-
national
13 417
21 638
-
-
total
32 046
45 560
-
-
Income
221 500
221 500
221 500
221 500
Total tax
85 470
89 860
116 131
90 762
After tax
136 030
131 640
105 369
130 738
Living cost
30 089
30 089
30 089
30 089
Free-cash
105 941
101 551
75 280
100 649

Estimated living cost  is ₽30089 per week

₽19654
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2894
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽479
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7063
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
₽83350
₽44755
₽67993
₽90454
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
-
-
-
221 500
communal

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

-
-
-
12 118
social contributions
-
-
-
19 539
national
-
-
-
93 275
total
-
-
-
124 932
Employee

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

56 059
-
171 556
-
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.

2 634
-
8 064
-
communal

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

2 924
-
8 949
-
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.

488
-
1 493
-
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.

4 204
-
12 866
-
national
17 235
-
66 861
-
total
27 485
-
98 233
-
Employer

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

56 059
-
171 556
-
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.

3 447
-
10 550
-
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.

4 967
-
15 199
-
surtax
6 356
-
19 453
-
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.

729
-
2 231
-
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.

818
-
2 504
-
total
16 317
-
49 937
-
Corporate
149 123
221 500
-
-
income
29 861
50 850
-
-
surtax
598
1 017
-
-
total
30 459
51 867
-
-
Dividends
118 665
169 633
-
-
withholding

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

35 314
50 604
-
-
total
35 314
50 604
-
-
Income
221 500
221 500
221 500
221 500
Total tax
109 575
102 471
148 170
124 932
After tax
111 925
119 029
73 330
96 568
Living cost
28 575
28 575
28 575
28 575
Free-cash
83 350
90 454
44 755
67 993

Estimated living cost  is ₽28575 per week

₽18406
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2499
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽448
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.
₽7223
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
₽86162
₽74499
₽75324
₽86926
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
-
-
-
221 500
unemployment
-
-
-
75
municipal
-
-
-
59 612
other
-
-
-
8 662
health
-
-
-
4 651
national
-
-
-
30 956
accident
-
-
-
149
pensions
-
-
-
8 058
total
-
-
-
112 163
Employee
48 465
-
198 078
-
national
-
-
30 500
-
municipal
14 452
-
59 067
-
total
14 452
-
89 567
-
Employer
48 465
-
198 078
-
health
2 981
-
4 584
-
pensions
5 239
-
8 058
-
accident
97
-
149
-
unemployment
1 279
-
1 968
-
other
5 632
-
8 662
-
total
15 228
-
23 421
-
Corporate
157 808
221 500
-
-
income
34 718
48 730
-
-
total
34 718
48 730
-
-
Dividends
123 090
172 770
-
-
withholding
36 927
51 831
-
-
total
36 927
51 831
-
-
Income
221 500
221 500
221 500
221 500
Total tax
101 325
100 561
112 988
112 163
After tax
120 175
120 939
108 512
109 337
Living cost
34 012
34 012
34 012
34 012
Free-cash
86 162
86 926
74 499
75 324

Estimated living cost  is ₽34012 per week

₽22542
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3338
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽517
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.
₽7616
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
₽55128
₽172074
₽115197
₽96884
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
-
-
-
221 500
income
-
-
-
43 175
social contributions
-
-
-
25 251
total
-
-
-
68 426
Employee
54 310
-
-
-
income
11 980
-
-
-
social contributions
4 453
-
635
-
total
16 433
-
635
-
Employer
54 310
-
-
-
social contributions
76 578
-
10 914
-
total
76 578
-
10 914
-
Corporate
90 612
221 500
-
-
income
19 935
48 730
-
-
total
19 935
48 730
-
-
Dividends
70 677
172 770
-
-
income
15 549
38 009
-
-
total
15 549
38 009
-
-
Income
221 500
221 500
221 500
221 500
Total tax
128 495
86 739
11 549
68 426
After tax
93 005
134 761
209 951
153 074
Living cost
37 877
37 877
37 877
37 877
Free-cash
55 128
96 884
172 074
115 197

Estimated living cost  is ₽37877 per week

₽24576
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3562
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽483
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9256
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
₽132646
₽120077
₽121797
₽135894
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
-
-
-
221 500
income
-
-
-
55 956
health
-
-
-
5 648
social contributions
-
-
-
12 680
total
-
-
-
74 284
Employee
60 263
60 263
210 853
-
health
599
1 025
3 584
-
income
6 328
5 579
55 027
-
social contributions
2 928
5 002
6 746
-
total
9 855
11 606
65 357
-
Employer
60 263
60 263
210 853
-
health
653
1 115
3 901
-
social contributions
2 928
5 002
6 746
-
total
3 581
6 117
10 647
-
Corporate
182 643
155 120
-
-
income
22 830
19 390
-
-
total
22 830
19 390
-
-
Dividends
159 813
135 729
-
-
withholding
27 169
23 074
-
-
total
27 169
23 074
-
-
Income
221 500
221 500
221 500
221 500
Total tax
63 435
60 187
76 004
74 284
After tax
158 065
161 313
145 496
147 216
Living cost
25 419
25 419
25 419
25 419
Free-cash
132 646
135 894
120 077
121 797

Estimated living cost  is ₽25419 per week

₽17377
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1985
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽427
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.
₽5631
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
₽111843
₽92571
₽112128
₽107358
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
-
-
-
221 500
income
-
-
-
72 659
pensions
-
-
-
8 577
total
-
-
-
81 236
Employee
38 621
-
192 677
-
health
504
-
2 451
-
pensions
2 948
-
9 904
-
income
7 033
-
59 617
-
total
10 485
-
71 972
-
Employer
38 621
-
192 677
-
health
734
-
3 660
-
pensions
3 902
-
25 161
-
total
4 636
-
28 821
-
Corporate
178 243
221 500
-
-
income

It is proposed for this rate to fall to 17% from the financial year starting on 1 April, 2020. Also, where the taxable profits can be attributed to the exploitation of patents, a lower rate of 10% applies.

33 866
42 085
-
-
total
33 866
42 085
-
-
Dividends
144 377
179 415
-
-
withholding
32 534
43 921
-
-
total
32 534
43 921
-
-
Income
221 500
221 500
221 500
221 500
Total tax
81 521
86 006
100 793
81 236
After tax
139 979
135 494
120 707
140 264
Living cost
28 136
28 136
28 136
28 136
Free-cash
111 843
107 358
92 571
112 128

Estimated living cost  is ₽28136 per week

₽19301
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2587
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽352
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5894
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
₽81887
₽68948
₽75386
₽85450
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
-
-
-
221 500
municipal
-
-
-
1 640
regional
-
-
-
5 808
social contributions
-
-
-
39 224
national
-
-
-
68 221
total
-
-
-
114 893
Employee
66 040
-
221 500
-
social contributions
22 268
-
51 424
-
regional
997
-
5 402
-
national
11 160
-
62 975
-
municipal
394
-
1 530
-
total
34 819
-
121 331
-
Employer
66 040
-
221 500
-
total
-
-
-
-
Corporate
155 460
221 500
-
-
nationa
37 310
53 160
-
-
municipal
7 493
10 677
-
-
total
44 803
63 837
-
-
Dividends
110 657
157 664
-
-
withholding
28 770
40 992
-
-
total
28 770
40 992
-
-
Income
221 500
221 500
221 500
221 500
Total tax
108 392
104 829
121 331
114 893
After tax
113 108
116 671
100 169
106 607
Living cost
31 221
31 221
31 221
31 221
Free-cash
81 887
85 450
68 948
75 386

Estimated living cost  is ₽31221 per week

₽21931
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2148
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽471
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.
₽6670
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
₽15373
₽106652
₽134366
₽1204
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
-
-
-
221 500
pensions
-
-
-
3 165
income
-
-
-
65 099
other
-
-
-
282
health
-
-
-
1 659
accident
-
-
-
192
total
-
-
-
70 397
Employee
26 328
-
204 686
-
health
3 015
-
23 437
-
pensions
2 965
-
5 804
-
income
3 612
-
52 056
-
total
9 592
-
81 297
-
Employer
26 328
-
204 686
-
pensions
4 281
-
8 381
-
accident
440
-
3 418
-
unemployment
645
-
5 015
-
total
5 366
-
16 814
-
Corporate
189 807
221 500
-
-
income

From 1 January 2017, a lowered corporate income tax rate of 9% was introduced for so-called 'small taxpayers' - entities with turnover not exceeding the equivalent of €1.2 million and for taxpayers starting business activity, during their previous tax year.

170 826
199 350
-
-
total
170 826
199 350
-
-
Dividends
18 981
22 150
-
-
withholding
3 606
4 209
-
-
total
3 606
4 209
-
-
Income
221 500
221 500
221 500
221 500
Total tax
189 390
203 559
98 111
70 397
After tax
32 110
17 941
123 389
151 103
Living cost
16 737
16 737
16 737
16 737
Free-cash
15 373
1 204
106 652
134 366

Estimated living cost  is ₽16737 per week

₽12267
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽927
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽349
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.
₽3194
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
₽93854
₽103892
₽77336
₽83601
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.

-
-
-
221 500
trade
-
-
-
26 556
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.

-
-
-
77 723
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.

-
-
-
5 354
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.

-
-
-
4 274
total
-
-
-
113 907
Employee

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

38 994
-
221 500
-
health

Our model is based on the assumption that an owner of the company is either a director or registered self-employed, so all social security contributions are not mandatory.

However, you would need to purchase private health insurance. We took an average price of €3600 per annum per person.

5 354
-
5 354
-
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.

3 206
-
77 723
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

177
-
4 274
-
total
8 737
-
87 351
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
182 506
221 500
-
-
income
27 375
33 225
-
-
trade
26 190
31 785
-
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

1 505
1 828
-
-
chamber of commerce
387
443
-
-
total
55 457
67 281
-
-
Dividends
127 048
154 219
-
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

1 731
2 104
-
-
withholding
31 464
38 257
-
-
total
33 195
40 361
-
-
Income
221 500
221 500
221 500
221 500
Total tax
97 389
107 642
87 351
113 907
After tax
124 111
113 858
134 149
107 593
Living cost
30 257
30 257
30 257
30 257
Free-cash
93 854
83 601
103 892
77 336

Estimated living cost  is ₽30257 per week

₽20872
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3256
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽439
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5690
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
₽154468
₽82376
₽67302
₽160896
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.

-
-
-
221 500
income
-
-
-
51 385
microenterprise
-
-
-
-
social contributions

Each person younger than 30 on 1 July, 2001 should make pension contributions to an old-age pension account. We include it in our internal model.

-
-
-
30 027
surtax
-
-
-
56 482
total
-
-
-
137 894
Employee
22 900
-
179 279
-
income
4 076
-
44 330
-
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.

2 519
-
10 274
-
surtax
-
-
25 995
-
total
6 595
-
80 599
-
Employer
22 900
-
179 279
-
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.

5 516
-
22 500
-
surtax
-
-
19 721
-
total
5 516
-
42 221
-
Corporate
193 084
221 500
-
-
income

Corporate income tax rate is 20% applicable to the taxable base. However, before applying the statutory rate, the taxable base should be divided by a coefficient of 0.8. As taxable base is increased by the coefficient, the effective corporate income tax rate is 25%.

38 617
44 300
-
-
total
38 617
44 300
-
-
Dividends

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

154 466
177 200
-
-
total
-
-
-
-
Income
221 500
221 500
221 500
221 500
Total tax
50 728
44 300
122 820
137 894
After tax
170 772
177 200
98 680
83 606
Living cost
16 304
16 304
16 304
16 304
Free-cash
154 468
160 896
82 376
67 302

Estimated living cost  is ₽16304 per week

₽10402
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1553
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽370
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.
₽3980
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
₽126872
₽127817
₽128511
₽128473
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
-
-
-
221 500
income
-
-
-
70 987
health
-
-
-
5 152
pensions
-
-
-
7 107
total
-
-
-
83 246
Employee
14 840
-
213 505
-
health
742
-
1 777
-
unemployment
148
-
355
-
pensions
1 336
-
3 198
-
income
2 871
-
70 614
-
total
5 097
-
75 944
-
Employer
14 840
-
213 505
-
health
1 410
-
3 376
-
pensions
1 632
-
3 909
-
unemployment
297
-
711
-
total
3 339
-
7 996
-
Corporate
203 321
221 500
-
-
income
44 731
48 730
-
-
total
44 731
48 730
-
-
Dividends
158 591
172 770
-
-
withholding
31 718
34 554
-
-
total
31 718
34 554
-
-
Income
221 500
221 500
221 500
221 500
Total tax
84 885
83 284
83 940
83 246
After tax
136 615
138 216
137 560
138 254
Living cost
9 743
9 743
9 743
9 743
Free-cash
126 872
128 473
127 817
128 511

Estimated living cost  is ₽9743 per week

₽5790
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽790
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽223
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.
₽2940
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
₽119226
₽81319
₽86112
₽121720
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
-
-
-
221 500
pensions
-
-
-
20 919
unemployment
-
-
-
178
income
-
-
-
75 834
other
-
-
-
-
health
-
-
-
7 426
surtax
-
-
-
13 428
total
-
-
-
117 785
Employee
26 392
-
199 483
-
health
674
-
2 667
-
unemployment
1 837
-
7 280
-
pensions
1 761
-
6 977
-
income
4 425
-
71 146
-
other
-
-
-
-
surtax
94
-
12 491
-
total
8 791
-
100 561
-
Employer
26 392
-
199 483
-
health
1 200
-
4 759
-
pensions
3 519
-
13 943
-
unemployment
837
-
3 315
-
other
-
-
-
-
total
5 556
-
22 017
-
Corporate
189 551
221 500
-
-
income
49 284
57 590
-
-
total
49 284
57 590
-
-
Dividends
140 267
163 910
-
-
withholding
21 040
24 587
-
-
total
21 040
24 587
-
-
Income
221 500
221 500
221 500
221 500
Total tax
84 671
82 177
122 578
117 785
After tax
136 829
139 323
98 922
103 715
Living cost
17 603
17 603
17 603
17 603
Free-cash
119 226
121 720
81 319
86 112

Estimated living cost  is ₽17603 per week

₽10628
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1530
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽409
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5037
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
₽96450
₽31875
₽87888
₽96839
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
-
-
-
221 500
pensions
-
-
-
16 938