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
₽ 229000
per

Your estimated
City
free-cash

Valencia , Spain
₽126535
₽102656
₽105945
₽129994
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
-
-
-
229 000
unemployment
-
-
-
509
income
-
-
-
79 712
other
-
-
-
73
accident
-
-
-
654
pensions
-
-
-
20 556
total
-
-
-
101 504
Employee
28 978
-
205 842
-
unemployment
449
-
1 126
-
pensions
1 362
-
3 415
-
income
5 587
-
77 021
-
other
28
-
73
-
total
7 426
-
81 635
-
Employer
28 978
-
205 842
-
pensions
6 838
-
17 143
-
accident
574
-
1 438
-
unemployment
1 594
-
3 995
-
other
232
-
582
-
total
9 238
-
23 158
-
Corporate
190 783
229 000
-
-
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.

28 617
34 351
-
-
total
28 617
34 351
-
-
Dividends
162 166
194 649
-
-
withholding
35 633
43 104
-
-
total
35 633
43 104
-
-
Income
229 000
229 000
229 000
229 000
Total tax
80 914
77 455
104 793
101 504
After tax
148 086
151 545
124 207
127 496
Living cost
21 551
21 551
21 551
21 551
Free-cash
126 535
129 994
102 656
105 945

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
₽142070
₽122782
₽124553
₽147363
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
-
-
-
229 000
pensions

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

-
-
-
28 602
income
-
-
-
44 058
other
-
-
-
5 660
health
-
-
-
5 244
total
-
-
-
83 564
Employee
28 456
-
198 335
-
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
-
43 467
-
total
7 573
-
54 669
-
Employer
28 456
-
198 335
-
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
-
1 587
-
unemployment
284
-
1 191
-
other
1 423
-
5 958
-
total
7 172
-
30 666
-
Corporate
193 373
229 000
-
-
income
40 609
48 090
-
-
total
40 609
48 090
-
-
Dividends
152 764
180 910
-
-
withholding
10 693
12 664
-
-
total
10 693
12 664
-
-
Income
229 000
229 000
229 000
229 000
Total tax
66 047
60 754
85 335
83 564
After tax
162 953
168 246
143 665
145 436
Living cost
20 883
20 883
20 883
20 883
Free-cash
142 070
147 363
122 782
124 553

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
₽181884
₽187036
₽177074
₽185524
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
-
-
-
229 000
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
-
-
-
34 350
health
-
-
-
3 147
total
-
-
-
41 656
Employee
13 600
-
223 632
-
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
-
22 363
-
total
3 330
-
26 326
-
Employer
13 600
-
223 632
-
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
212 732
229 000
-
-
income
21 273
22 900
-
-
total
21 273
22 900
-
-
Dividends
191 459
206 100
-
-
withholding
9 573
10 305
-
-
total
9 573
10 305
-
-
Income
229 000
229 000
229 000
229 000
Total tax
36 845
33 205
31 694
41 656
After tax
192 155
195 795
197 306
187 344
Living cost
10 270
10 270
10 270
10 270
Free-cash
181 884
185 524
187 036
177 074

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
₽93232
₽83877
₽93933
₽88604
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
-
-
-
229 000
income
-
-
-
49 944
other
-
-
-
7 099
health
-
-
-
12 522
social contributions
-
-
-
6 524
pensions
-
-
-
32 165
surtax
-
-
-
-
total
-
-
-
108 254
Employee
33 541
-
172 371
-
pensions
3 792
-
14 004
-
income
1 980
-
42 765
-
social contributions
956
-
4 911
-
surtax
-
-
-
-
total
6 728
-
61 680
-
Employer
33 541
-
172 371
-
health
2 348
-
18 335
-
social contributions
101
-
518
-
pensions
5 510
-
23 212
-
unemployment
1 358
-
6 981
-
other
1 157
-
7 584
-
total
10 474
-
56 630
-
Corporate
184 984
229 000
-
-
income
51 796
64 120
-
-
surtax
-
-
-
-
total
51 796
64 120
-
-
Dividends
133 188
164 880
-
-
social contributions
22 909
28 358
-
-
surtax
-
-
-
-
withholding
17 048
21 105
-
-
total
39 957
49 463
-
-
Income
229 000
229 000
229 000
229 000
Total tax
108 955
113 583
118 310
108 254
After tax
120 045
115 417
110 690
120 746
Living cost
26 813
26 813
26 813
26 813
Free-cash
93 232
88 604
83 877
93 933

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
₽77101
₽113530
₽87267
₽81901
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
-
-
-
229 000
pensions
-
-
-
9 182
income
-
-
-
90 056
health
-
-
-
9 664
total
-
-
-
108 902
Employee
66 925
66 925
214 436
-
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
49 228
-
total
33 274
28 874
68 074
-
Employer
66 925
66 925
214 436
-
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
151 176
150 355
-
-
income
30 235
30 072
-
-
total
30 235
30 072
-
-
Dividends
120 941
120 284
-
-
income
25 699
25 560
-
-
withholding
18 141
18 043
-
-
total
43 840
43 603
-
-
Income
229 000
229 000
229 000
229 000
Total tax
119 068
114 268
82 639
108 902
After tax
109 932
114 732
146 361
120 098
Living cost
32 831
32 831
32 831
32 831
Free-cash
77 101
81 901
113 530
87 267

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
₽100282
₽114587
₽84258
₽91611
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.

-
-
-
229 000
trade
-
-
-
30 329
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.

-
-
-
80 873
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.

-
-
-
4 448
total
-
-
-
121 004
Employee

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

29 975
-
229 000
-
health

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

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

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
-
80 873
-
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
-
4 448
-
total
6 237
-
90 675
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
199 025
229 000
-
-
income
29 853
34 351
-
-
trade
31 346
36 067
-
-
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.

1 642
1 889
-
-
chamber of commerce
405
448
-
-
total
63 246
72 755
-
-
Dividends
135 779
156 246
-
-
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.

1 850
2 133
-
-
withholding
33 647
38 763
-
-
total
35 497
40 896
-
-
Income
229 000
229 000
229 000
229 000
Total tax
104 980
113 651
90 675
121 004
After tax
124 020
115 349
138 325
107 996
Living cost
23 738
23 738
23 738
23 738
Free-cash
100 282
91 611
114 587
84 258

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
₽144351
₽132056
₽133822
₽148615
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
-
-
-
229 000
income
-
-
-
58 514
health
-
-
-
5 839
social contributions
-
-
-
12 680
total
-
-
-
77 033
Employee
60 263
60 263
218 218
-
health
467
1 025
3 709
-
income
6 562
5 579
57 562
-
social contributions
2 278
5 002
6 746
-
total
9 307
11 606
68 017
-
Employer
60 263
60 263
218 218
-
health
507
1 115
4 036
-
social contributions
2 278
5 002
6 746
-
total
2 785
6 117
10 782
-
Corporate
198 762
162 620
-
-
income
24 846
20 327
-
-
total
24 846
20 327
-
-
Dividends
173 917
142 292
-
-
withholding
29 566
24 190
-
-
total
29 566
24 190
-
-
Income
229 000
229 000
229 000
229 000
Total tax
66 504
62 240
78 799
77 033
After tax
162 496
166 760
150 201
151 967
Living cost
18 145
18 145
18 145
18 145
Free-cash
144 351
148 615
132 056
133 822

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
₽104884
₽72374
₽92222
₽105673
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.

-
-
-
229 000
income
-
-
-
32 619
social contributions

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

-
-
-
79 577
surtax
-
-
-
-
total
-
-
-
112 196
Employee
36 044
-
185 051
-
income
7 497
-
66 597
-
social contributions
3 965
-
20 356
-
surtax
-
-
1 142
-
total
11 462
-
88 095
-
Employer
36 044
-
185 051
-
social contributions
8 560
-
43 949
-
total
8 560
-
43 949
-
Corporate
184 395
229 000
-
-
income
38 723
48 090
-
-
surtax
-
-
-
-
total
38 723
48 090
-
-
Dividends
145 672
180 910
-
-
withholding
40 789
50 655
-
-
total
40 789
50 655
-
-
Income
229 000
229 000
229 000
229 000
Total tax
99 534
98 745
132 044
112 196
After tax
129 466
130 255
96 956
116 804
Living cost
24 582
24 582
24 582
24 582
Free-cash
104 884
105 673
72 374
92 222

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
₽210338
₽177126
₽220520
₽211476
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%.

-
-
-
229 000
microenterprise

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

-
-
-
2 406
total
-
-
-
2 406
Employee
7 592
-
229 000
-
income
1 518
-
45 800
-
total
1 518
-
45 800
-
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%.

221 408
229 000
-
-
total
-
-
-
-
Dividends
221 408
229 000
-
-
withholding
11 070
11 450
-
-
total
11 070
11 450
-
-
Income
229 000
229 000
229 000
229 000
Total tax
12 588
11 450
45 800
2 406
After tax
216 412
217 550
183 200
226 594
Living cost
6 074
6 074
6 074
6 074
Free-cash
210 338
211 476
177 126
220 520

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
₽130091
₽74762
₽79735
₽136646
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.

-
-
-
229 000
pensions
-
-
-
41 821
unemployment
-
-
-
344
income
-
-
-
63 546
health
-
-
-
22 533
total
-
-
-
128 244
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
-
198 149
-
health
2 238
-
12 801
-
unemployment
49
-
278
-
pensions
5 372
-
30 713
-
income
5 976
-
58 574
-
total
13 635
-
102 366
-
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
-
198 149
-
health
2 308
-
13 196
-
pensions
3 067
-
17 536
-
unemployment
21
-
119
-
total
5 396
-
30 851
-
Corporate
188 949
229 000
-
-
income
35 900
43 510
-
-
total
35 900
43 510
-
-
Dividends
153 048
185 490
-
-
withholding
22 957
27 823
-
-
total
22 957
27 823
-
-
Income
229 000
229 000
229 000
229 000
Total tax
77 888
71 333
133 217
128 244
After tax
151 112
157 667
95 783
100 756
Living cost
21 021
21 021
21 021
21 021
Free-cash
130 091
136 646
74 762
79 735

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
₽118999
₽128825
₽161245
₽116261
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.

-
-
-
229 000
income
-
-
-
34 351
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
-
-
-
39 306
Employee
35 952
-
225 395
-
social contributions
3 602
-
3 605
-
income
3 901
-
64 516
-
total
7 503
-
68 121
-
Employer
35 952
-
225 395
-
social contributions
3 602
-
3 605
-
total
3 602
-
3 605
-
Corporate
189 446
229 000
-
-
income
66 307
80 150
-
-
total
66 307
80 150
-
-
Dividends
123 140
148 850
-
-
social contributions
4 140
4 140
-
-
total
4 140
4 140
-
-
Income
229 000
229 000
229 000
229 000
Total tax
81 552
84 290
71 726
39 306
After tax
147 448
144 710
157 274
189 694
Living cost
28 449
28 449
28 449
28 449
Free-cash
118 999
116 261
128 825
161 245

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
₽123499
₽66695
₽130444
₽123093
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
-
-
-
229 000
income
-
-
-
34 351
health
-
-
-
15 985
social contributions
-
-
-
31 602
total
-
-
-
81 938
Employee
26 572
-
229 000
-
health
1 855
-
15 985
-
income
4 432
-
98 100
-
social contributions
3 668
-
31 602
-
total
9 955
-
145 687
-
Employer
26 572
-
229 000
-
total
-
-
-
-
Corporate
202 428
229 000
-
-
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%.

10 122
11 450
-
-
total
10 122
11 450
-
-
Dividends
192 306
217 550
-
-
social contributions
26 538
30 021
-
-
withholding
28 846
32 633
-
-
health
13 422
15 185
-
-
total
68 806
77 839
-
-
Income
229 000
229 000
229 000
229 000
Total tax
88 883
89 289
145 687
81 938
After tax
140 117
139 711
83 313
147 062
Living cost
16 618
16 618
16 618
16 618
Free-cash
123 499
123 093
66 695
130 444

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
₽127905
₽107930
₽118729
₽135730
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
-
-
-
229 000
income
-
-
-
25 870
health
-
-
-
30 915
social contributions
-
-
-
25 617
solidarity contribution
-
-
-
5 932
total
-
-
-
88 334
Employee
32 261
-
189 970
-
health
4 355
-
25 646
-
solidarity contribution
-
-
4 963
-
income
3 871
-
23 793
-
social contributions
2 097
-
5 702
-
total
10 323
-
60 104
-
Employer
32 261
-
189 970
-
health
2 903
-
17 097
-
social contributions
8 065
-
21 932
-
total
10 968
-
39 029
-
Corporate
185 771
229 000
-
-
income
35 296
43 510
-
-
total
35 296
43 510
-
-
Dividends
150 474
185 490
-
-
withholding
22 571
27 823
-
-
total
22 571
27 823
-
-
Income
229 000
229 000
229 000
229 000
Total tax
79 158
71 333
99 133
88 334
After tax
149 842
157 667
129 867
140 666
Living cost
21 937
21 937
21 937
21 937
Free-cash
127 905
135 730
107 930
118 729

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
₽206311
₽173735
₽217129
₽208085
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%.

-
-
-
229 000
microenterprise

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

-
-
-
2 406
total
-
-
-
2 406
Employee
11 832
-
229 000
-
income
2 366
-
45 800
-
total
2 366
-
45 800
-
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%.

217 168
229 000
-
-
total
-
-
-
-
Dividends
217 168
229 000
-
-
withholding
10 858
11 450
-
-
total
10 858
11 450
-
-
Income
229 000
229 000
229 000
229 000
Total tax
13 224
11 450
45 800
2 406
After tax
215 776
217 550
183 200
226 594
Living cost
9 465
9 465
9 465
9 465
Free-cash
206 311
208 085
173 735
217 129

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
₽82954
₽72838
₽82894
₽77565
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
-
-
-
229 000
income
-
-
-
49 944
other
-
-
-
7 099
health
-
-
-
12 522
social contributions
-
-
-
6 524
pensions
-
-
-
32 165
surtax
-
-
-
-
total
-
-
-
108 254
Employee
49 085
-
172 371
-
pensions
5 552
-
14 004
-
income
4 283
-
42 765
-
social contributions
1 398
-
4 911
-
surtax
-
-
-
-
total
11 233
-
61 680
-
Employer
49 085
-
172 371
-
health
3 435
-
18 335
-
social contributions
147
-
518
-
pensions
8 065
-
23 212
-
unemployment
1 988
-
6 981
-
other
1 694
-
7 584
-
total
15 329
-
56 630
-
Corporate
164 585
229 000
-
-
income
46 083
64 120
-
-
surtax
-
-
-
-
total
46 083
64 120
-
-
Dividends
118 501
164 880
-
-
social contributions
20 381
28 358
-
-
surtax
-
-
-
-
withholding
15 168
21 105
-
-
total
35 549
49 463
-
-
Income
229 000
229 000
229 000
229 000
Total tax
108 194
113 583
118 310
108 254
After tax
120 806
115 417
110 690
120 746
Living cost
37 852
37 852
37 852
37 852
Free-cash
82 954
77 565
72 838
82 894

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
₽148095
₽139675
₽139675
₽151941
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.

-
-
-
229 000
pensions
-
-
-
15 013
unemployment
-
-
-
866
income
-
-
-
53 986
health
-
-
-
5 948
total
-
-
-
75 813
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
-
218 664
-
health
1 049
-
2 974
-
unemployment
153
-
433
-
pensions
2 853
-
8 084
-
income
2 809
-
53 986
-
total
6 864
-
65 477
-
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
-
218 664
-
health
1 049
-
2 974
-
pensions
2 445
-
6 929
-
unemployment
153
-
433
-
total
3 647
-
10 336
-
Corporate
204 977
229 000
-
-
income
30 747
34 350
-
-
total
30 747
34 350
-
-
Dividends
174 231
194 650
-
-
withholding
26 135
29 197
-
-
total
26 135
29 197
-
-
Income
229 000
229 000
229 000
229 000
Total tax
67 393
63 547
75 813
75 813
After tax
161 607
165 453
153 187
153 187
Living cost
13 512
13 512
13 512
13 512
Free-cash
148 095
151 941
139 675
139 675

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
₽74227
₽115712
₽122214
₽51426
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
-
-
-
229 000
pensions
-
-
-
21 068
city
-
-
-
2 420
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
-
-
-
515
regional
-
-
-
15 340
national
-
-
-
10 097
total
-
-
-
53 497
Employee
62 361
-
207 015
-
health
141
-
465
-
unemployment
-
-
1 035
-
city
669
-
2 250
-
pensions
5 239
-
14 197
-
regional
2 042
-
13 770
-
national
295
-
8 528
-
total
8 386
-
40 245
-
Employer
62 361
-
207 015
-
health
141
-
465
-
pensions
5 239
-
14 197
-
unemployment
-
-
1 035
-
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
-
4 057
-
total
6 627
-
19 754
-
Corporate
159 326
229 000
-
-
regional
33 698
48 434
-
-
national
13 543
19 465
-
-
total
47 241
67 899
-
-
Dividends
112 085
161 101
-
-
withholding
39 230
56 386
-
-
total
39 230
56 386
-
-
Income
229 000
229 000
229 000
229 000
Total tax
101 484
124 285
59 999
53 497
After tax
127 516
104 715
169 001
175 503
Living cost
53 289
53 289
53 289
53 289
Free-cash
74 227
51 426
115 712
122 214

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
₽110176
₽78168
₽104398
₽105334
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

-
-
-
229 000
municipal
-
-
-
40 644
health
-
-
-
3 199
national
-
-
-
50 670
total
-
-
-
94 513
Employee
41 232
-
192 648
-
health
308
-
2 640
-
unemployment
619
-
2 890
-
pensions
2 783
-
13 004
-
national
681
-
34 517
-
municipal
6 754
-
31 340
-
total
11 145
-
84 391
-
Employer
41 232
-
192 648
-
health
317
-
1 483
-
pensions
7 154
-
33 424
-
accident
42
-
193
-
unemployment
268
-
1 252
-
total
7 781
-
36 352
-
Corporate
179 988
229 000
-
-
income
35 997
45 801
-
-
total
35 997
45 801
-
-
Dividends

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

107 993
137 399
-
-
municipal
19 438
24 733
-
-
national
14 374
23 043
-
-
total
33 812
47 776
-
-
Income
229 000
229 000
229 000
229 000
Total tax
88 735
93 577
120 743
94 513
After tax
140 265
135 423
108 257
134 487
Living cost
30 089
30 089
30 089
30 089
Free-cash
110 176
105 334
78 168
104 398

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
₽87048
₽46972
₽71294
₽94151
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
-
-
-
229 000
communal

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

-
-
-
12 567
social contributions
-
-
-
19 539
national
-
-
-
97 025
total
-
-
-
129 131
Employee

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

56 059
-
177 368
-
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
-
8 336
-
communal

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

2 924
-
9 251
-
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
-
1 544
-
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
-
13 303
-
national
17 235
-
69 387
-
total
27 485
-
101 821
-
Employer

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

56 059
-
177 368
-
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
-
10 909
-
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
-
15 714
-
surtax
6 356
-
20 113
-
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
-
2 307
-
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
-
2 589
-
total
16 317
-
51 632
-
Corporate
156 623
229 000
-
-
income
32 036
53 026
-
-
surtax
641
1 060
-
-
total
32 677
54 086
-
-
Dividends
123 946
174 914
-
-
withholding

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

36 898
52 188
-
-
total
36 898
52 188
-
-
Income
229 000
229 000
229 000
229 000
Total tax
113 377
106 274
153 453
129 131
After tax
115 623
122 726
75 547
99 869
Living cost
28 575
28 575
28 575
28 575
Free-cash
87 048
94 151
46 972
71 294

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
₽90257
₽77887
₽78714
₽91022
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
-
-
-
229 000
unemployment
-
-
-
75
municipal
-
-
-
61 848
other
-
-
-
8 662
health
-
-
-
4 651
national
-
-
-
32 831
accident
-
-
-
149
pensions
-
-
-
8 058
total
-
-
-
116 274
Employee
48 465
-
205 578
-
national
-
-
32 375
-
municipal
14 452
-
61 304
-
total
14 452
-
93 679
-
Employer
48 465
-
205 578
-
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
165 308
229 000
-
-
income
36 368
50 380
-
-
total
36 368
50 380
-
-
Dividends
128 940
178 620
-
-
withholding
38 682
53 586
-
-
total
38 682
53 586
-
-
Income
229 000
229 000
229 000
229 000
Total tax
104 730
103 966
117 100
116 274
After tax
124 270
125 034
111 900
112 726
Living cost
34 012
34 012
34 012
34 012
Free-cash
90 257
91 022
77 887
78 714

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
₽59691
₽179574
₽120380
₽101447
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
-
-
-
229 000
income
-
-
-
44 637
social contributions
-
-
-
26 106
total
-
-
-
70 743
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
98 112
229 000
-
-
income
21 585
50 380
-
-
total
21 585
50 380
-
-
Dividends
76 527
178 620
-
-
income
16 836
39 296
-
-
total
16 836
39 296
-
-
Income
229 000
229 000
229 000
229 000
Total tax
131 432
89 676
11 549
70 743
After tax
97 568
139 324
217 451
158 257
Living cost
37 877
37 877
37 877
37 877
Free-cash
59 691
101 447
179 574
120 380

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
₽138094
₽124782
₽126548
₽141341
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
-
-
-
229 000
income
-
-
-
58 514
health
-
-
-
5 839
social contributions
-
-
-
12 680
total
-
-
-
77 033
Employee
60 263
60 263
218 218
-
health
599
1 025
3 709
-
income
6 328
5 579
57 562
-
social contributions
2 928
5 002
6 746
-
total
9 855
11 606
68 017
-
Employer
60 263
60 263
218 218
-
health
653
1 115
4 036
-
social contributions
2 928
5 002
6 746
-
total
3 581
6 117
10 782
-
Corporate
190 143
162 620
-
-
income
23 767
20 327
-
-
total
23 767
20 327
-
-
Dividends
166 376
142 292
-
-
withholding
28 284
24 190
-
-
total
28 284
24 190
-
-
Income
229 000
229 000
229 000
229 000
Total tax
65 487
62 240
78 799
77 033
After tax
163 513
166 760
150 201
151 967
Living cost
25 419
25 419
25 419
25 419
Free-cash
138 094
141 341
124 782
126 548

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
₽115943
₽96342
₽116539
₽111458
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
-
-
-
229 000
income
-
-
-
75 598
pensions
-
-
-
8 727
total
-
-
-
84 325
Employee
38 621
-
199 161
-
health
504
-
2 516
-
pensions
2 948
-
10 035
-
income
7 033
-
62 132
-
total
10 485
-
74 683
-
Employer
38 621
-
199 161
-
health
734
-
3 783
-
pensions
3 902
-
26 056
-
total
4 636
-
29 839
-
Corporate
185 743
229 000
-
-
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.

35 291
43 510
-
-
total
35 291
43 510
-
-
Dividends
150 453
185 490
-
-
withholding
34 509
45 896
-
-
total
34 509
45 896
-
-
Income
229 000
229 000
229 000
229 000
Total tax
84 921
89 406
104 522
84 325
After tax
144 079
139 594
124 478
144 675
Living cost
28 136
28 136
28 136
28 136
Free-cash
115 943
111 458
96 342
116 539

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
₽85837
₽72904
₽79344
₽89400
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
-
-
-
229 000
municipal
-
-
-
1 707
regional
-
-
-
6 058
social contributions
-
-
-
39 224
national
-
-
-
71 446
total
-
-
-
118 435
Employee
66 040
-
229 000
-
social contributions
22 268
-
51 424
-
regional
997
-
5 652
-
national
11 160
-
66 200
-
municipal
394
-
1 599
-
total
34 819
-
124 875
-
Employer
66 040
-
229 000
-
total
-
-
-
-
Corporate
162 960
229 000
-
-
nationa
39 111
54 961
-
-
municipal
7 854
11 038
-
-
total
46 965
65 999
-
-
Dividends
115 995
163 001
-
-
withholding
30 158
42 380
-
-
total
30 158
42 380
-
-
Income
229 000
229 000
229 000
229 000
Total tax
111 942
108 379
124 875
118 435
After tax
117 058
120 621
104 125
110 565
Living cost
31 221
31 221
31 221
31 221
Free-cash
85 837
89 400
72 904
79 344

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
₽15980
₽110990
₽139466
₽1812
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
-
-
-
229 000
pensions
-
-
-
3 165
income
-
-
-
67 499
other
-
-
-
282
health
-
-
-
1 659
accident
-
-
-
192
total
-
-
-
72 797
Employee
26 328
-
211 889
-
health
3 015
-
24 261
-
pensions
2 965
-
5 804
-
income
3 612
-
54 098
-
total
9 592
-
84 163
-
Employer
26 328
-
211 889
-
pensions
4 281
-
8 381
-
accident
440
-
3 538
-
unemployment
645
-
5 191
-
total
5 366
-
17 110
-
Corporate
197 307
229 000
-
-
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.

177 576
206 100
-
-
total
177 576
206 100
-
-
Dividends
19 731
22 900
-
-
withholding
3 749
4 351
-
-
total
3 749
4 351
-
-
Income
229 000
229 000
229 000
229 000
Total tax
196 283
210 451
101 273
72 797
After tax
32 717
18 549
127 727
156 203
Living cost
16 737
16 737
16 737
16 737
Free-cash
15 980
1 812
110 990
139 466

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
₽97701
₽108068
₽80435
₽87447
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.

-
-
-
229 000
trade
-
-
-
27 633
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.

-
-
-
80 873
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.

-
-
-
4 448
total
-
-
-
118 308
Employee

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

38 994
-
229 000
-
health

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

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

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
-
80 873
-
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
-
4 448
-
total
8 737
-
90 675
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
190 006
229 000
-
-
income
28 501
34 351
-
-
trade
27 265
32 862
-
-
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.

1 568
1 889
-
-
chamber of commerce
397
455
-
-
total
57 731
69 557
-
-
Dividends
132 275
159 444
-
-
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.

1 803
2 176
-
-
withholding
32 771
39 563
-
-
total
34 574
41 739
-
-
Income
229 000
229 000
229 000
229 000
Total tax
101 042
111 296
90 675
118 308
After tax
127 958
117 704
138 325
110 692
Living cost
30 257
30 257
30 257
30 257
Free-cash
97 701
87 447
108 068
80 435

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
₽160468
₽86031
₽70535
₽166895
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.

-
-
-
229 000
income
-
-
-
53 739
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
-
-
-
58 395
total
-
-
-
142 161
Employee
22 900
-
186 035
-
income
4 076
-
46 452
-
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
-
-
26 975
-
total
6 595
-
83 701
-
Employer
22 900
-
186 035
-
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
-
-
20 464
-
total
5 516
-
42 964
-
Corporate
200 584
229 000
-
-
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%.

40 117
45 801
-
-
total
40 117
45 801
-
-
Dividends

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

160 467
183 199
-
-
total
-
-
-
-
Income
229 000
229 000
229 000
229 000
Total tax
52 228
45 801
126 665
142 161
After tax
176 772
183 199
102 335
86 839
Living cost
16 304
16 304
16 304
16 304
Free-cash
160 468
166 895
86 031
70 535

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
₽131552
₽132692
₽133386
₽133153
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
-
-
-
229 000
income
-
-
-
73 612
health
-
-
-
5 152
pensions
-
-
-
7 107
total
-
-
-
85 871
Employee
14 840
-
221 005
-
health
742
-
1 777
-
unemployment
148
-
355
-
pensions
1 336
-
3 198
-
income
2 871
-
73 239
-
total
5 097
-
78 569
-
Employer
14 840
-
221 005
-
health
1 410
-
3 376
-
pensions
1 632
-
3 909
-
unemployment
297
-
711
-
total
3 339
-
7 996
-
Corporate
210 821
229 000
-
-
income
46 381
50 380
-
-
total
46 381
50 380
-
-
Dividends
164 441
178 620
-
-
withholding
32 888
35 724
-
-
total
32 888
35 724
-
-
Income
229 000
229 000
229 000
229 000
Total tax
87 705
86 104
86 565
85 871
After tax
141 295
142 896
142 435
143 129
Living cost
9 743
9 743
9 743
9 743
Free-cash
131 552
133 153
132 692
133 386

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
₽123943
₽84768
₽89563
₽126437
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
-
-
-
229 000
pensions
-
-
-
20 919
unemployment
-
-
-
178
income
-
-
-
79 208
other
-
-
-
-
health
-
-
-
7 426
surtax
-
-
-
14 103
total
-
-
-
121 834
Employee
26 392
-
206 983
-
health
674
-
2 667
-
unemployment
1 837
-
7 280
-
pensions
1 761
-
6 977
-
income
4 425
-
74 522
-
other
-
-
-
-
surtax
94
-
13 166
-
total
8 791
-
104 612
-
Employer
26 392
-
206 983
-
health
1 200
-
4 759
-
pensions
3 519
-
13 943
-
unemployment
837
-
3 315
-
other
-
-
-
-
total
5 556
-
22 017
-
Corporate
197 051
229 000
-
-
income
51 234
59 540
-
-
total
51 234
59 540
-
-
Dividends
145 818
169 460
-
-
withholding
21 873
25 420
-
-
total
21 873
25 420
-
-
Income
229 000
229 000
229 000
229 000
Total tax
87 454
84 960
126 629
121 834
After tax
141 546
144 040
102 371
107 166
Living cost
17 603
17 603
17 603
17 603
Free-cash
123 943
126 437
84 768
89 563

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
₽100529
₽33624
₽91607
₽100918
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
-
-
-
229 000
pensions
-
-
-
16 938