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
₽ 233500
per

Your estimated
City
free-cash

Valencia , Spain
₽129176
₽104830
₽108161
₽132684
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
-
-
-
233 500
unemployment
-
-
-
515
income
-
-
-
81 435
other
-
-
-
74
accident
-
-
-
663
pensions
-
-
-
20 822
total
-
-
-
103 509
Employee
29 353
-
210 043
-
unemployment
455
-
1 140
-
pensions
1 380
-
3 459
-
income
5 659
-
78 710
-
other
29
-
74
-
total
7 523
-
83 383
-
Employer
29 353
-
210 043
-
pensions
6 927
-
17 365
-
accident
581
-
1 457
-
unemployment
1 615
-
4 046
-
other
235
-
589
-
total
9 358
-
23 457
-
Corporate
194 789
233 500
-
-
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.

29 218
35 025
-
-
total
29 218
35 025
-
-
Dividends
165 571
198 475
-
-
withholding
36 395
43 961
-
-
total
36 395
43 961
-
-
Income
233 500
233 500
233 500
233 500
Total tax
82 494
78 986
106 840
103 509
After tax
151 006
154 514
126 660
129 991
Living cost
21 830
21 830
21 830
21 830
Free-cash
129 176
132 684
104 830
108 161

Estimated living cost  is ₽21830 per week

₽14735
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2098
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽383
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.
₽4614
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
₽145038
₽125517
₽127318
₽150400
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
-
-
-
233 500
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.

-
-
-
28 972
income
-
-
-
45 011
other
-
-
-
5 734
health
-
-
-
5 312
total
-
-
-
85 029
Employee
28 823
-
202 426
-
health
404
-
1 690
-
unemployment
288
-
1 207
-
pensions

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

2 017
-
8 450
-
income
4 962
-
44 410
-
total
7 671
-
55 757
-
Employer
28 823
-
202 426
-
health
404
-
1 690
-
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.

4 901
-
20 522
-
accident
230
-
1 619
-
unemployment
288
-
1 207
-
other
1 442
-
6 035
-
total
7 265
-
31 073
-
Corporate
197 412
233 500
-
-
income
41 456
49 035
-
-
total
41 456
49 035
-
-
Dividends
155 956
184 465
-
-
withholding
10 917
12 912
-
-
total
10 917
12 912
-
-
Income
233 500
233 500
233 500
233 500
Total tax
67 309
61 947
86 830
85 029
After tax
166 191
171 553
146 670
148 471
Living cost
21 153
21 153
21 153
21 153
Free-cash
145 038
150 400
125 517
127 318

Estimated living cost  is ₽21153 per week

₽14946
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1428
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽340
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.
₽4438
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
₽185582
₽190877
₽180706
₽189259
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
-
-
-
233 500
pensions

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

-
-
-
4 094
unemployment
-
-
-
111
income
-
-
-
35 025
health
-
-
-
3 181
total
-
-
-
42 411
Employee
13 749
-
228 073
-
health
632
-
1 272
-
accident

We are using the highest rate at 1.1%.

151
-
304
-
pensions

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

1 207
-
2 429
-
income
1 375
-
22 808
-
total
3 365
-
26 813
-
Employer
13 749
-
228 073
-
health
949
-
1 909
-
pensions

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

1 515
-
3 048
-
accident

We are using the highest rate at 1.1%.

151
-
304
-
unemployment
82
-
166
-
total
2 697
-
5 427
-
Corporate
217 053
233 500
-
-
income
21 706
23 350
-
-
total
21 706
23 350
-
-
Dividends
195 348
210 150
-
-
withholding
9 767
10 508
-
-
total
9 767
10 508
-
-
Income
233 500
233 500
233 500
233 500
Total tax
37 535
33 858
32 240
42 411
After tax
195 965
199 642
201 260
191 089
Living cost
10 383
10 383
10 383
10 383
Free-cash
185 582
189 259
190 877
180 706

Estimated living cost  is ₽10383 per week

₽6062
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽742
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽275
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.
₽3305
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
₽95215
₽85529
₽95855
₽90524
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
-
-
-
233 500
income
-
-
-
51 088
other
-
-
-
7 239
health
-
-
-
12 796
social contributions
-
-
-
6 653
pensions
-
-
-
32 709
surtax
-
-
-
-
total
-
-
-
110 485
Employee
33 975
-
175 706
-
pensions
3 841
-
14 296
-
income
2 005
-
43 715
-
social contributions
969
-
5 006
-
surtax
-
-
-
-
total
6 815
-
63 017
-
Employer
33 975
-
175 706
-
health
2 379
-
18 717
-
social contributions
102
-
527
-
pensions
5 581
-
23 694
-
unemployment
1 375
-
7 117
-
other
1 172
-
7 739
-
total
10 609
-
57 794
-
Corporate
188 915
233 500
-
-
income
52 896
65 380
-
-
surtax
-
-
-
-
total
52 896
65 380
-
-
Dividends
136 019
168 120
-
-
social contributions
23 395
28 916
-
-
surtax
-
-
-
-
withholding
17 410
21 520
-
-
total
40 805
50 436
-
-
Income
233 500
233 500
233 500
233 500
Total tax
111 125
115 816
120 811
110 485
After tax
122 375
117 684
112 689
123 015
Living cost
27 160
27 160
27 160
27 160
Free-cash
95 215
90 524
85 529
95 855

Estimated living cost  is ₽27160 per week

₽17125
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2208
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽462
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.
₽7365
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
₽78883
₽115980
₽89138
₽83748
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
-
-
-
233 500
pensions
-
-
-
9 301
income
-
-
-
92 017
health
-
-
-
9 789
total
-
-
-
111 107
Employee
67 791
67 791
218 747
-
health
10 405
8 850
9 789
-
pensions
12 202
9 301
9 301
-
income

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

11 096
11 096
50 422
-
total
33 703
29 247
69 512
-
Employer
67 791
67 791
218 747
-
health
4 712
4 712
5 856
-
pensions
4 718
4 718
5 865
-
unemployment
2 440
2 440
3 032
-
total
11 870
11 870
14 753
-
Corporate
154 670
153 839
-
-
income
30 934
30 768
-
-
total
30 934
30 768
-
-
Dividends
123 737
123 071
-
-
income
26 294
26 152
-
-
withholding
18 561
18 460
-
-
total
44 855
44 612
-
-
Income
233 500
233 500
233 500
233 500
Total tax
121 362
116 497
84 265
111 107
After tax
112 138
117 003
149 235
122 393
Living cost
33 255
33 255
33 255
33 255
Free-cash
78 883
83 748
115 980
89 138

Estimated living cost  is ₽33255 per week

₽23567
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2998
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽529
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.
₽6161
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
₽102351
₽116928
₽85964
₽93569
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.

-
-
-
233 500
trade
-
-
-
30 964
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.

-
-
-
82 564
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.

-
-
-
5 423
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.

-
-
-
4 540
total
-
-
-
123 491
Employee

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

30 363
-
233 500
-
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.

5 423
-
5 423
-
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.

848
-
82 564
-
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.

47
-
4 540
-
total
6 318
-
92 527
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
203 137
233 500
-
-
income
30 471
35 025
-
-
trade
31 994
36 776
-
-
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.

1 675
1 927
-
-
chamber of commerce
413
456
-
-
total
64 553
74 184
-
-
Dividends
138 584
159 316
-
-
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.

1 889
2 174
-
-
withholding
34 344
39 528
-
-
total
36 233
41 702
-
-
Income
233 500
233 500
233 500
233 500
Total tax
107 104
115 886
92 527
123 491
After tax
126 396
117 614
140 973
110 009
Living cost
24 045
24 045
24 045
24 045
Free-cash
102 351
93 569
116 928
85 964

Estimated living cost  is ₽24045 per week

₽15125
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2804
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽449
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.
₽5667
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
₽147336
₽134728
₽136528
₽151654
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
-
-
-
233 500
income
-
-
-
59 794
health
-
-
-
5 954
social contributions
-
-
-
12 844
total
-
-
-
78 592
Employee
61 042
61 042
222 550
-
health
473
1 038
3 783
-
income
6 646
5 651
58 826
-
social contributions
2 308
5 066
6 833
-
total
9 427
11 755
69 442
-
Employer
61 042
61 042
222 550
-
health
514
1 130
4 117
-
social contributions
2 308
5 066
6 833
-
total
2 822
6 196
10 950
-
Corporate
202 871
166 262
-
-
income
25 358
20 783
-
-
total
25 358
20 783
-
-
Dividends
177 513
145 478
-
-
withholding
30 177
24 732
-
-
total
30 177
24 732
-
-
Income
233 500
233 500
233 500
233 500
Total tax
67 784
63 466
80 392
78 592
After tax
165 716
170 034
153 108
154 908
Living cost
18 380
18 380
18 380
18 380
Free-cash
147 336
151 654
134 728
136 528

Estimated living cost  is ₽18380 per week

₽11015
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1803
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽407
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.
₽5155
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
₽107114
₽73855
₽94140
₽107915
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.

-
-
-
233 500
income
-
-
-
33 319
social contributions

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

-
-
-
81 141
surtax
-
-
-
-
total
-
-
-
114 460
Employee
36 510
-
188 687
-
income
7 594
-
67 990
-
social contributions
4 016
-
20 756
-
surtax
-
-
1 186
-
total
11 610
-
89 932
-
Employer
36 510
-
188 687
-
social contributions
8 671
-
44 813
-
total
8 671
-
44 813
-
Corporate
188 318
233 500
-
-
income
39 548
49 035
-
-
surtax
-
-
-
-
total
39 548
49 035
-
-
Dividends
148 771
184 465
-
-
withholding
41 657
51 650
-
-
total
41 657
51 650
-
-
Income
233 500
233 500
233 500
233 500
Total tax
101 486
100 685
134 745
114 460
After tax
132 014
132 815
98 755
119 040
Living cost
24 900
24 900
24 900
24 900
Free-cash
107 114
107 915
73 855
94 140

Estimated living cost  is ₽24900 per week

₽18630
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1469
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽416
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4385
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
₽214690
₽180792
₽224903
₽215817
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%.

-
-
-
233 500
microenterprise

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

-
-
-
2 589
total
-
-
-
2 589
Employee
7 510
-
233 500
-
income
1 502
-
46 700
-
total
1 502
-
46 700
-
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%.

225 990
233 500
-
-
total
-
-
-
-
Dividends
225 990
233 500
-
-
withholding
11 300
11 675
-
-
total
11 300
11 675
-
-
Income
233 500
233 500
233 500
233 500
Total tax
12 802
11 675
46 700
2 589
After tax
220 698
221 825
186 800
230 911
Living cost
6 008
6 008
6 008
6 008
Free-cash
214 690
215 817
180 792
224 903

Estimated living cost  is ₽6008 per week

₽3723
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽499
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽165
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.
₽1620
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
₽132833
₽76248
₽81320
₽139472
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.

-
-
-
233 500
pensions
-
-
-
42 643
unemployment
-
-
-
349
income
-
-
-
64 920
health
-
-
-
22 975
total
-
-
-
130 887
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.

35 104
-
202 044
-
health
2 267
-
13 052
-
unemployment
50
-
283
-
pensions
5 441
-
31 316
-
income
6 054
-
59 851
-
total
13 812
-
104 502
-
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.

35 104
-
202 044
-
health
2 338
-
13 456
-
pensions
3 106
-
17 880
-
unemployment
21
-
121
-
total
5 465
-
31 457
-
Corporate
192 931
233 500
-
-
income
36 657
44 365
-
-
total
36 657
44 365
-
-
Dividends
156 274
189 135
-
-
withholding
23 440
28 370
-
-
total
23 440
28 370
-
-
Income
233 500
233 500
233 500
233 500
Total tax
79 374
72 735
135 959
130 887
After tax
154 126
160 765
97 541
102 613
Living cost
21 293
21 293
21 293
21 293
Free-cash
132 833
139 472
76 248
81 320

Estimated living cost  is ₽21293 per week

₽14613
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1365
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽413
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.
₽4904
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
₽121538
₽131490
₽164675
₽118764
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.

-
-
-
233 500
income
-
-
-
35 025
health

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

-
-
-
4 983
total
-
-
-
40 008
Employee
36 417
-
229 848
-
social contributions
3 649
-
3 652
-
income
3 951
-
65 889
-
total
7 600
-
69 541
-
Employer
36 417
-
229 848
-
social contributions
3 649
-
3 652
-
total
3 649
-
3 652
-
Corporate
193 435
233 500
-
-
income
67 702
81 725
-
-
total
67 702
81 725
-
-
Dividends
125 733
151 775
-
-
social contributions
4 194
4 194
-
-
total
4 194
4 194
-
-
Income
233 500
233 500
233 500
233 500
Total tax
83 145
85 919
73 193
40 008
After tax
150 355
147 581
160 307
193 492
Living cost
28 817
28 817
28 817
28 817
Free-cash
121 538
118 764
131 490
164 675

Estimated living cost  is ₽28817 per week

₽18981
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2272
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽441
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.
₽7121
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
₽126035
₽68054
₽133121
₽125625
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
-
-
-
233 500
income
-
-
-
35 025
health
-
-
-
16 298
social contributions
-
-
-
32 223
total
-
-
-
83 546
Employee
26 916
-
233 500
-
health
1 879
-
16 298
-
income
4 489
-
100 092
-
social contributions
3 715
-
32 223
-
total
10 083
-
148 613
-
Employer
26 916
-
233 500
-
total
-
-
-
-
Corporate
206 584
233 500
-
-
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%.

10 330
11 675
-
-
total
10 330
11 675
-
-
Dividends
196 254
221 825
-
-
social contributions
27 083
30 611
-
-
withholding
29 438
33 273
-
-
health
13 698
15 483
-
-
total
70 219
79 367
-
-
Income
233 500
233 500
233 500
233 500
Total tax
90 632
91 042
148 613
83 546
After tax
142 868
142 458
84 887
149 954
Living cost
16 833
16 833
16 833
16 833
Free-cash
126 035
125 625
68 054
133 121

Estimated living cost  is ₽16833 per week

₽11265
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1038
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽387
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.
₽4141
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
₽130634
₽110296
₽121323
₽138557
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
-
-
-
233 500
income
-
-
-
26 407
health
-
-
-
31 523
social contributions
-
-
-
25 933
solidarity contribution
-
-
-
6 106
total
-
-
-
89 969
Employee
32 659
-
193 851
-
health
4 409
-
26 170
-
solidarity contribution
-
-
5 117
-
income
3 919
-
24 286
-
social contributions
2 123
-
5 773
-
total
10 451
-
61 346
-
Employer
32 659
-
193 851
-
health
2 939
-
17 447
-
social contributions
8 165
-
22 203
-
total
11 104
-
39 650
-
Corporate
189 738
233 500
-
-
income
36 050
44 365
-
-
total
36 050
44 365
-
-
Dividends
153 687
189 135
-
-
withholding
23 053
28 370
-
-
total
23 053
28 370
-
-
Income
233 500
233 500
233 500
233 500
Total tax
80 658
72 735
100 996
89 969
After tax
152 842
160 765
132 504
143 531
Living cost
22 208
22 208
22 208
22 208
Free-cash
130 634
138 557
110 296
121 323

Estimated living cost  is ₽22208 per week

₽16515
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1230
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽384
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.
₽4078
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
₽210706
₽177437
₽221548
₽212462
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%.

-
-
-
233 500
microenterprise

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

-
-
-
2 589
total
-
-
-
2 589
Employee
11 704
-
233 500
-
income
2 341
-
46 700
-
total
2 341
-
46 700
-
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%.

221 796
233 500
-
-
total
-
-
-
-
Dividends
221 796
233 500
-
-
withholding
11 090
11 675
-
-
total
11 090
11 675
-
-
Income
233 500
233 500
233 500
233 500
Total tax
13 431
11 675
46 700
2 589
After tax
220 069
221 825
186 800
230 911
Living cost
9 363
9 363
9 363
9 363
Free-cash
210 706
212 462
177 437
221 548

Estimated living cost  is ₽9363 per week

₽6336
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽393
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽314
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.
₽2320
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
₽84800
₽74348
₽84674
₽79343
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
-
-
-
233 500
income
-
-
-
51 088
other
-
-
-
7 239
health
-
-
-
12 796
social contributions
-
-
-
6 653
pensions
-
-
-
32 709
surtax
-
-
-
-
total
-
-
-
110 485
Employee
49 720
-
175 706
-
pensions
5 624
-
14 296
-
income
4 338
-
43 715
-
social contributions
1 416
-
5 006
-
surtax
-
-
-
-
total
11 378
-
63 017
-
Employer
49 720
-
175 706
-
health
3 480
-
18 717
-
social contributions
149
-
527
-
pensions
8 170
-
23 694
-
unemployment
2 014
-
7 117
-
other
1 716
-
7 739
-
total
15 529
-
57 794
-
Corporate
168 252
233 500
-
-
income
47 110
65 380
-
-
surtax
-
-
-
-
total
47 110
65 380
-
-
Dividends
121 142
168 120
-
-
social contributions
20 836
28 916
-
-
surtax
-
-
-
-
withholding
15 506
21 520
-
-
total
36 342
50 436
-
-
Income
233 500
233 500
233 500
233 500
Total tax
110 359
115 816
120 811
110 485
After tax
123 141
117 684
112 689
123 015
Living cost
38 341
38 341
38 341
38 341
Free-cash
84 800
79 343
74 348
84 674

Estimated living cost  is ₽38341 per week

₽25949
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3136
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽526
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.
₽8730
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
₽151131
₽142650
₽142649
₽155023
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.

-
-
-
233 500
pensions
-
-
-
15 201
unemployment
-
-
-
877
income
-
-
-
55 070
health
-
-
-
6 022
total
-
-
-
77 170
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.

20 631
-
223 035
-
health
1 062
-
3 011
-
unemployment
155
-
438
-
pensions
2 888
-
8 185
-
income
2 844
-
55 070
-
total
6 949
-
66 704
-
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.

20 631
-
223 035
-
health
1 062
-
3 011
-
pensions
2 476
-
7 016
-
unemployment
155
-
438
-
total
3 693
-
10 465
-
Corporate
209 176
233 500
-
-
income
31 376
35 025
-
-
total
31 376
35 025
-
-
Dividends
177 800
198 475
-
-
withholding
26 670
29 771
-
-
total
26 670
29 771
-
-
Income
233 500
233 500
233 500
233 500
Total tax
68 688
64 796
77 169
77 170
After tax
164 812
168 704
156 331
156 330
Living cost
13 681
13 681
13 681
13 681
Free-cash
151 131
155 023
142 650
142 649

Estimated living cost  is ₽13681 per week

₽9212
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1058
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽396
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3016
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
₽75876
₽118240
₽124844
₽52769
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
-
-
-
233 500
pensions
-
-
-
21 482
city
-
-
-
2 468
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.

-
-
-
4 111
health
-
-
-
526
regional
-
-
-
15 689
national
-
-
-
10 376
total
-
-
-
54 652
Employee
63 198
-
211 143
-
health
143
-
476
-
unemployment
-
-
1 056
-
city
678
-
2 296
-
pensions
5 310
-
14 454
-
regional
2 069
-
14 095
-
national
299
-
8 782
-
total
8 499
-
41 159
-
Employer
63 198
-
211 143
-
health
143
-
476
-
pensions
5 310
-
14 454
-
unemployment
-
-
1 056
-
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.

1 264
-
4 111
-
total
6 717
-
20 097
-
Corporate
162 891
233 500
-
-
regional
34 451
49 385
-
-
national
13 845
19 847
-
-
total
48 296
69 232
-
-
Dividends
114 595
164 268
-
-
withholding
40 108
57 495
-
-
total
40 108
57 495
-
-
Income
233 500
233 500
233 500
233 500
Total tax
103 620
126 727
61 256
54 652
After tax
129 880
106 773
172 244
178 848
Living cost
54 004
54 004
54 004
54 004
Free-cash
75 876
52 769
118 240
124 844

Estimated living cost  is ₽54004 per week

₽35118
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4846
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽663
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.
₽13376
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
₽112470
₽79771
₽106517
₽107473
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

-
-
-
233 500
municipal
-
-
-
41 443
health
-
-
-
3 264
national
-
-
-
51 798
total
-
-
-
96 505
Employee
41 765
-
196 434
-
health
312
-
2 694
-
unemployment
627
-
2 947
-
pensions
2 819
-
13 260
-
national
690
-
35 328
-
municipal
6 841
-
31 956
-
total
11 289
-
86 185
-
Employer
41 765
-
196 434
-
health
321
-
1 512
-
pensions
7 246
-
34 081
-
accident
42
-
196
-
unemployment
271
-
1 277
-
total
7 880
-
37 066
-
Corporate
183 854
233 500
-
-
income
36 771
46 700
-
-
total
36 771
46 700
-
-
Dividends

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

110 312
140 100
-
-
municipal
19 857
25 218
-
-
national
14 755
23 631
-
-
total
34 612
48 849
-
-
Income
233 500
233 500
233 500
233 500
Total tax
90 552
95 549
123 251
96 505
After tax
142 948
137 951
110 249
136 995
Living cost
30 478
30 478
30 478
30 478
Free-cash
112 470
107 473
79 771
106 517

Estimated living cost  is ₽30478 per week

₽19908
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2932
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽485
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7154
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
₽88929
₽48035
₽72891
₽96128
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
-
-
-
233 500
communal

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

-
-
-
12 823
social contributions
-
-
-
19 792
national
-
-
-
99 050
total
-
-
-
131 665
Employee

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

56 784
-
180 852
-
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.

2 668
-
8 501
-
communal

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

2 962
-
9 433
-
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.

494
-
1 573
-
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.

4 259
-
13 564
-
national
17 458
-
70 802
-
total
27 841
-
103 873
-
Employer

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

56 784
-
180 852
-
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.

3 492
-
11 122
-
pensions

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

5 032
-
16 024
-
surtax
6 439
-
20 509
-
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.

738
-
2 352
-
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.

829
-
2 641
-
total
16 530
-
52 648
-
Corporate
160 187
233 500
-
-
income
32 897
54 157
-
-
surtax
658
1 083
-
-
total
33 555
55 240
-
-
Dividends
126 633
178 260
-
-
withholding

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

37 701
53 188
-
-
total
37 701
53 188
-
-
Income
233 500
233 500
233 500
233 500
Total tax
115 627
108 428
156 521
131 665
After tax
117 873
125 072
76 979
101 835
Living cost
28 944
28 944
28 944
28 944
Free-cash
88 929
96 128
48 035
72 891

Estimated living cost  is ₽28944 per week

₽18644
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2531
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽453
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.
₽7317
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
₽92369
₽79666
₽80500
₽93140
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
-
-
-
233 500
unemployment
-
-
-
75
municipal
-
-
-
63 126
other
-
-
-
8 748
health
-
-
-
4 698
national
-
-
-
33 713
accident
-
-
-
151
pensions
-
-
-
8 138
total
-
-
-
118 649
Employee
48 947
-
209 845
-
national
-
-
33 252
-
municipal
14 596
-
62 576
-
total
14 596
-
95 828
-
Employer
48 947
-
209 845
-
health
3 010
-
4 630
-
pensions
5 291
-
8 138
-
accident
98
-
151
-
unemployment
1 292
-
1 988
-
other
5 688
-
8 748
-
total
15 379
-
23 655
-
Corporate
169 174
233 500
-
-
income
37 218
51 370
-
-
total
37 218
51 370
-
-
Dividends
131 955
182 130
-
-
withholding
39 587
54 639
-
-
total
39 587
54 639
-
-
Income
233 500
233 500
233 500
233 500
Total tax
106 780
106 009
119 483
118 649
After tax
126 720
127 491
114 017
114 851
Living cost
34 351
34 351
34 351
34 351
Free-cash
92 369
93 140
79 666
80 500

Estimated living cost  is ₽34351 per week

₽22767
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3371
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.
₽7692
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
₽61801
₽183684
₽123191
₽103885
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
-
-
-
233 500
income
-
-
-
45 514
social contributions
-
-
-
26 619
total
-
-
-
72 133
Employee
54 739
-
-
-
income
12 074
-
-
-
social contributions
4 489
-
640
-
total
16 563
-
640
-
Employer
54 739
-
-
-
social contributions
77 182
-
11 000
-
total
77 182
-
11 000
-
Corporate
101 578
233 500
-
-
income
22 347
51 370
-
-
total
22 347
51 370
-
-
Dividends
79 231
182 130
-
-
income
17 431
40 069
-
-
total
17 431
40 069
-
-
Income
233 500
233 500
233 500
233 500
Total tax
133 523
91 439
11 640
72 133
After tax
99 977
142 061
221 860
161 367
Living cost
38 176
38 176
38 176
38 176
Free-cash
61 801
103 885
183 684
123 191

Estimated living cost  is ₽38176 per week

₽24770
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3590
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽486
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.
₽9329
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
₽140995
₽127360
₽129160
₽144286
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
-
-
-
233 500
income
-
-
-
59 794
health
-
-
-
5 954
social contributions
-
-
-
12 844
total
-
-
-
78 592
Employee
61 042
61 042
222 550
-
health
607
1 038
3 783
-
income
6 410
5 651
58 826
-
social contributions
2 966
5 066
6 833
-
total
9 983
11 755
69 442
-
Employer
61 042
61 042
222 550
-
health
661
1 130
4 117
-
social contributions
2 966
5 066
6 833
-
total
3 627
6 196
10 950
-
Corporate
194 141
166 262
-
-
income
24 268
20 783
-
-
total
24 268
20 783
-
-
Dividends
169 874
145 478
-
-
withholding
28 879
24 732
-
-
total
28 879
24 732
-
-
Income
233 500
233 500
233 500
233 500
Total tax
66 757
63 466
80 392
78 592
After tax
166 743
170 034
153 108
154 908
Living cost
25 748
25 748
25 748
25 748
Free-cash
140 995
144 286
127 360
129 160

Estimated living cost  is ₽25748 per week

₽17601
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2011
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽432
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.
₽5703
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
₽118358
₽98512
₽119098
₽113851
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
-
-
-
233 500
income
-
-
-
77 293
pensions
-
-
-
8 836
total
-
-
-
86 129
Employee
38 808
-
203 055
-
health
506
-
2 557
-
pensions
2 962
-
10 142
-
income
7 067
-
63 571
-
total
10 535
-
76 270
-
Employer
38 808
-
203 055
-
health
738
-
3 859
-
pensions
3 921
-
26 586
-
total
4 659
-
30 445
-
Corporate
190 033
233 500
-
-
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.

36 106
44 365
-
-
total
36 106
44 365
-
-
Dividends
153 927
189 135
-
-
withholding
35 569
47 011
-
-
total
35 569
47 011
-
-
Income
233 500
233 500
233 500
233 500
Total tax
86 869
91 376
106 715
86 129
After tax
146 631
142 124
126 785
147 371
Living cost
28 273
28 273
28 273
28 273
Free-cash
118 358
113 851
98 512
119 098

Estimated living cost  is ₽28273 per week

₽19395
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2600
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽354
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.
₽5922
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
₽87756
₽74658
₽81180
₽91367
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
-
-
-
233 500
municipal
-
-
-
1 744
regional
-
-
-
6 188
social contributions
-
-
-
39 731
national
-
-
-
73 032
total
-
-
-
120 695
Employee
66 894
-
233 500
-
social contributions
22 556
-
52 089
-
regional
1 010
-
5 777
-
national
11 304
-
67 718
-
municipal
399
-
1 633
-
total
35 269
-
127 217
-
Employer
66 894
-
233 500
-
total
-
-
-
-
Corporate
166 606
233 500
-
-
nationa
39 986
56 040
-
-
municipal
8 031
11 255
-
-
total
48 017
67 295
-
-
Dividends
118 589
166 205
-
-
withholding
30 833
43 213
-
-
total
30 833
43 213
-
-
Income
233 500
233 500
233 500
233 500
Total tax
114 119
110 508
127 217
120 695
After tax
119 381
122 992
106 283
112 805
Living cost
31 625
31 625
31 625
31 625
Free-cash
87 756
91 367
74 658
81 180

Estimated living cost  is ₽31625 per week

₽22214
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2175
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽478
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.
₽6756
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
₽16308
₽113270
₽142282
₽1925
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
-
-
-
233 500
pensions
-
-
-
3 213
income
-
-
-
68 852
other
-
-
-
286
health
-
-
-
1 684
accident
-
-
-
195
total
-
-
-
74 230
Employee
26 723
-
216 090
-
health
3 060
-
24 742
-
pensions
3 009
-
5 891
-
income
3 666
-
55 199
-
total
9 735
-
85 832
-
Employer
26 723
-
216 090
-
pensions
4 345
-
8 507
-
accident
446
-
3 609
-
unemployment
655
-
5 294
-
total
5 446
-
17 410
-
Corporate
201 331
233 500
-
-
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.

181 198
210 150
-
-
total
181 198
210 150
-
-
Dividends
20 133
23 350
-
-
withholding
3 825
4 437
-
-
total
3 825
4 437
-
-
Income
233 500
233 500
233 500
233 500
Total tax
200 204
214 587
103 242
74 230
After tax
33 296
18 913
130 258
159 270
Living cost
16 988
16 988
16 988
16 988
Free-cash
16 308
1 925
113 270
142 282

Estimated living cost  is ₽16988 per week

₽12451
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽941
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽355
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.
₽3242
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
₽99754
₽110325
₽82114
₽89369
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.

-
-
-
233 500
trade
-
-
-
28 211
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.

-
-
-
82 564
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.

-
-
-
5 423
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.

-
-
-
4 540
total
-
-
-
120 738
Employee

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

39 498
-
233 500
-
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.

5 423
-
5 423
-
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.

3 248
-
82 564
-
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.

179
-
4 540
-
total
8 850
-
92 527
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
194 002
233 500
-
-
income
29 100
35 025
-
-
trade
27 839
33 507
-
-
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.

1 600
1 927
-
-
chamber of commerce
405
462
-
-
total
58 944
70 921
-
-
Dividends
135 057
162 579
-
-
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.

1 841
2 219
-
-
withholding
33 463
40 343
-
-
total
35 304
42 562
-
-
Income
233 500
233 500
233 500
233 500
Total tax
103 098
113 483
92 527
120 738
After tax
130 402
120 017
140 973
112 762
Living cost
30 648
30 648
30 648
30 648
Free-cash
99 754
89 369
110 325
82 114

Estimated living cost  is ₽30648 per week

₽21142
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3298
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽444
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.
₽5764
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
₽163775
₽87894
₽72109
₽170285
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.

-
-
-
233 500
income
-
-
-
54 918
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.

-
-
-
30 415
surtax
-
-
-
59 543
total
-
-
-
144 876
Employee
23 196
-
189 828
-
income
4 129
-
47 488
-
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.

2 552
-
10 407
-
surtax
-
-
27 524
-
total
6 681
-
85 419
-
Employer
23 196
-
189 828
-
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.

5 587
-
22 791
-
surtax
-
-
20 881
-
total
5 587
-
43 672
-
Corporate
204 716
233 500
-
-
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%.

40 942
46 700
-
-
total
40 942
46 700
-
-
Dividends

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

163 774
186 800
-
-
total
-
-
-
-
Income
233 500
233 500
233 500
233 500
Total tax
53 210
46 700
129 091
144 876
After tax
180 290
186 800
104 409
88 624
Living cost
16 515
16 515
16 515
16 515
Free-cash
163 775
170 285
87 894
72 109

Estimated living cost  is ₽16515 per week

₽10536
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1573
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽375
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.
₽4031
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
₽134262
₽135476
₽136175
₽135876
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
-
-
-
233 500
income
-
-
-
75 131
health
-
-
-
5 197
pensions
-
-
-
7 169
total
-
-
-
87 497
Employee
14 969
-
225 435
-
health
748
-
1 792
-
unemployment
150
-
359
-
pensions
1 347
-
3 226
-
income
2 896
-
74 754
-
total
5 141
-
80 131
-
Employer
14 969
-
225 435
-
health
1 422
-
3 405
-
pensions
1 647
-
3 943
-
unemployment
299
-
717
-
total
3 368
-
8 065
-
Corporate
215 163
233 500
-
-
income
47 336
51 370
-
-
total
47 336
51 370
-
-
Dividends
167 827
182 130
-
-
withholding
33 565
36 426
-
-
total
33 565
36 426
-
-
Income
233 500
233 500
233 500
233 500
Total tax
89 410
87 796
88 196
87 497
After tax
144 090
145 704
145 304
146 003
Living cost
9 828
9 828
9 828
9 828
Free-cash
134 262
135 876
135 476
136 175

Estimated living cost  is ₽9828 per week

₽5840
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽797
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽225
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.
₽2966
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
₽126515
₽86574
₽91428
₽129040
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
-
-
-
233 500
pensions
-
-
-
21 190
unemployment
-
-
-
181
income
-
-
-
80 925
other
-
-
-
-
health
-
-
-
7 522
surtax
-
-
-
14 424
total
-
-
-
124 242
Employee
26 734
-
211 198
-
health
682
-
2 701
-
unemployment
1 860
-
7 374
-
pensions
1 784
-
7 067
-
income
4 482
-
76 177
-
other
-
-
-
-
surtax
95
-
13 474
-
total
8 903
-
106 793
-
Employer
26 734
-
211 198
-
health
1 216
-
4 821
-
pensions
3 564
-
14 123
-
unemployment
848
-
3 358
-
other
-
-
-
-
total
5 628
-
22 302
-
Corporate
201 138
233 500
-
-
income
52 297
60 710
-
-
total
52 297
60 710
-
-
Dividends
148 842
172 790
-
-
withholding
22 326
25 919
-
-
total
22 326
25 919
-
-
Income
233 500
233 500
233 500
233 500
Total tax
89 154
86 629
129 095
124 242
After tax
144 346
146 871
104 405
109 258
Living cost
17 830
17 830
17 830
17 830
Free-cash
126 515
129 040
86 574
91 428

Estimated living cost  is ₽17830 per week

₽10765
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1550
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽414
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.
₽5102
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
₽102669
₽34415
₽93555
₽103059
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
-
-
-
233 500
pensions
-
-
-
17 157