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
₽ 23500
per

Your estimated
City
free-cash

Valencia , Spain
-₽14715
-₽10622
-₽8227
-₽5593
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
-
-
-
23 500
unemployment
-
-
-
165
income
-
-
-
3 125
other
-
-
-
24
accident
-
-
-
211
pensions
-
-
-
6 651
total
-
-
-
10 176
Employee
28 978
-
15 157
-
unemployment
449
-
406
-
pensions
1 362
-
1 230
-
income
5 587
-
2 564
-
other
28
-
27
-
total
7 426
-
4 227
-
Employer
28 978
-
15 157
-
pensions
6 838
-
6 176
-
accident
574
-
518
-
unemployment
1 594
-
1 440
-
other
232
-
210
-
total
9 238
-
8 344
-
Corporate
-
23 500
-
-
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.

-
3 525
-
-
total
-
3 525
-
-
Dividends
-
19 975
-
-
withholding
-
4 017
-
-
total
-
4 017
-
-
Income
23 500
23 500
23 500
23 500
Total tax
16 664
7 542
12 571
10 176
After tax
6 836
15 958
10 929
13 324
Living cost
21 551
21 551
21 551
21 551
Free-cash
-14 715
-5 593
-10 622
-8 227

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
-₽12128
-₽7108
-₽8159
-₽3618
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
-
-
-
23 500
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.

-
-
-
5 640
income
-
-
-
2 985
other
-
-
-
1 117
health
-
-
-
1 034
total
-
-
-
10 776
Employee
28 456
-
18 769
-
health
399
-
263
-
unemployment
284
-
187
-
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
-
1 315
-
income
4 899
-
3 230
-
total
7 573
-
4 995
-
Employer
28 456
-
18 769
-
health
399
-
263
-
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
-
3 192
-
accident
228
-
150
-
unemployment
284
-
187
-
other
1 423
-
938
-
total
7 172
-
4 730
-
Corporate
-
23 500
-
-
income
-
4 935
-
-
total
-
4 935
-
-
Dividends
-
18 565
-
-
withholding
-
1 300
-
-
total
-
1 300
-
-
Income
23 500
23 500
23 500
23 500
Total tax
14 745
6 235
9 725
10 776
After tax
8 755
17 265
13 775
12 724
Living cost
20 883
20 883
20 883
20 883
Free-cash
-12 128
-3 618
-7 108
-8 159

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
₽6183
₽4565
₽3431
₽9823
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
-
-
-
23 500
pensions

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

-
-
-
3 478
unemployment
-
-
-
94
income
-
-
-
3 525
health
-
-
-
2 702
total
-
-
-
9 799
Employee
13 600
-
19 646
-
health
626
-
904
-
accident

We are using the highest rate at 1.1%.

150
-
216
-
pensions

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

1 194
-
1 725
-
income
1 360
-
1 965
-
total
3 330
-
4 810
-
Employer
13 600
-
19 646
-
health
939
-
1 356
-
pensions

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

1 499
-
2 165
-
accident

We are using the highest rate at 1.1%.

150
-
216
-
unemployment
81
-
118
-
total
2 669
-
3 855
-
Corporate
7 232
23 500
-
-
income
723
2 350
-
-
total
723
2 350
-
-
Dividends
6 509
21 150
-
-
withholding
325
1 057
-
-
total
325
1 057
-
-
Income
23 500
23 500
23 500
23 500
Total tax
7 047
3 407
8 665
9 799
After tax
16 453
20 093
14 835
13 701
Living cost
10 270
10 270
10 270
10 270
Free-cash
6 183
9 823
4 565
3 431

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
-₽20515
-₽11531
-₽12274
-₽14969
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
-
-
-
23 500
income
-
-
-
-
other
-
-
-
729
health
-
-
-
210
social contributions
-
-
-
671
pensions
-
-
-
7 351
surtax
-
-
-
-
total
-
-
-
8 961
Employee
33 541
-
17 907
-
pensions
3 792
-
2 026
-
income
1 980
-
89
-
social contributions
956
-
510
-
surtax
-
-
-
-
total
6 728
-
2 625
-
Employer
33 541
-
17 907
-
health
2 348
-
1 254
-
social contributions
101
-
54
-
pensions
5 510
-
2 942
-
unemployment
1 358
-
726
-
other
1 157
-
617
-
total
10 474
-
5 593
-
Corporate
-
23 500
-
-
income
-
6 580
-
-
surtax
-
-
-
-
total
-
6 580
-
-
Dividends
-
16 920
-
-
social contributions
-
2 911
-
-
surtax
-
-
-
-
withholding
-
2 165
-
-
total
-
5 076
-
-
Income
23 500
23 500
23 500
23 500
Total tax
17 202
11 656
8 218
8 961
After tax
6 298
11 844
15 282
14 539
Living cost
26 813
26 813
26 813
26 813
Free-cash
-20 515
-14 969
-11 531
-12 274

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
-₽54324
-₽54324
-₽19284
-₽49924
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
-
-
-
23 500
pensions
-
-
-
4 230
income
-
-
-
2 115
health
-
-
-
3 608
total
-
-
-
9 953
Employee
66 925
66 925
66 925
-
health
10 272
8 737
10 272
-
pensions
12 047
9 182
12 047
-
income

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

10 955
10 955
10 955
-
total
33 274
28 874
33 274
-
Employer
66 925
66 925
66 925
-
health
4 652
4 652
4 652
-
pensions
4 658
4 658
4 658
-
unemployment
2 409
2 409
2 409
-
total
11 719
11 719
11 719
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
23 500
23 500
23 500
23 500
Total tax
44 993
40 593
44 993
9 953
After tax
-21 493
-17 093
-21 493
13 547
Living cost
32 831
32 831
32 831
32 831
Free-cash
-54 324
-49 924
-54 324
-19 284

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
-₽6475
-₽6400
-₽6400
-₽11697
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.

-
-
-
23 500
trade
-
-
-
-
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.

-
-
-
766
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.

-
-
-
42
total
-
-
-
6 162
Employee

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

29 975
-
23 500
-
health

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

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

5 354
-
5 354
-
income

Personal income is calculated on a progressive scale(from 14% to 42%), and is fixed at 45%. The tax percentage is unique and will depend on your income.

837
-
766
-
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
-
42
-
total
6 237
-
6 162
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
23 500
-
-
income
-
3 525
-
-
trade
-
3 702
-
-
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.

-
193
-
-
chamber of commerce
-
153
-
-
total
-
7 573
-
-
Dividends
-
15 927
-
-
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.

-
202
-
-
withholding
-
3 684
-
-
total
-
3 886
-
-
Income
23 500
23 500
23 500
23 500
Total tax
6 237
11 459
6 162
6 162
After tax
17 263
12 041
17 338
17 338
Living cost
23 738
23 738
23 738
23 738
Free-cash
-6 475
-11 697
-6 400
-6 400

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
-₽6737
-₽5690
-₽53
-₽12368
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
-
-
-
29 793
income
-
-
-
-
health
-
-
-
760
social contributions
-
-
-
4 648
total
-
-
-
5 408
Employee
60 263
60 263
60 263
-
health
467
1 025
363
-
income
6 562
5 579
6 746
-
social contributions
2 278
5 002
1 771
-
total
9 307
11 606
8 880
-
Employer
60 263
60 263
60 263
-
health
507
1 115
394
-
social contributions
2 278
5 002
1 771
-
total
2 785
6 117
2 165
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
23 500
23 500
23 500
23 500
Total tax
12 092
17 723
11 045
5 408
After tax
11 408
5 777
12 455
18 092
Living cost
18 145
18 145
18 145
18 145
Free-cash
-6 737
-12 368
-5 690
-53

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
-₽21104
-₽10726
-₽10619
-₽11215
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.

-
-
-
23 500
income
-
-
-
1 371
social contributions

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

-
-
-
8 166
surtax
-
-
-
-
total
-
-
-
9 537
Employee
36 044
-
18 989
-
income
7 497
-
3 045
-
social contributions
3 965
-
2 090
-
surtax
-
-
-
-
total
11 462
-
5 135
-
Employer
36 044
-
18 989
-
social contributions
8 560
-
4 509
-
total
8 560
-
4 509
-
Corporate
-
23 500
-
-
income
-
4 935
-
-
surtax
-
-
-
-
total
-
4 935
-
-
Dividends
-
18 565
-
-
withholding
-
5 198
-
-
total
-
5 198
-
-
Income
23 500
23 500
23 500
23 500
Total tax
20 022
10 133
9 644
9 537
After tax
3 478
13 367
13 856
13 963
Living cost
24 582
24 582
24 582
24 582
Free-cash
-21 104
-11 215
-10 726
-10 619

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
₽15112
₽12726
₽17191
₽16251
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%.

-
-
-
23 500
microenterprise

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

-
-
-
235
total
-
-
-
235
Employee
7 592
-
23 500
-
income
1 518
-
4 700
-
total
1 518
-
4 700
-
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%.

15 908
23 500
-
-
total
-
-
-
-
Dividends
15 908
23 500
-
-
withholding
796
1 175
-
-
total
796
1 175
-
-
Income
23 500
23 500
23 500
23 500
Total tax
2 314
1 175
4 700
235
After tax
21 186
22 325
18 800
23 265
Living cost
6 074
6 074
6 074
6 074
Free-cash
15 112
16 251
12 726
17 191

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
-₽16552
-₽8147
-₽7402
-₽4841
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.

-
-
-
23 500
pensions
-
-
-
4 292
unemployment
-
-
-
36
income
-
-
-
3 240
health
-
-
-
2 313
total
-
-
-
9 881
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
-
20 334
-
health
2 238
-
1 315
-
unemployment
49
-
28
-
pensions
5 372
-
3 151
-
income
5 976
-
2 965
-
total
13 635
-
7 459
-
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
-
20 334
-
health
2 308
-
1 355
-
pensions
3 067
-
1 800
-
unemployment
21
-
12
-
total
5 396
-
3 167
-
Corporate
-
23 500
-
-
income
-
4 465
-
-
total
-
4 465
-
-
Dividends
-
19 035
-
-
withholding
-
2 855
-
-
total
-
2 855
-
-
Income
23 500
23 500
23 500
23 500
Total tax
19 031
7 320
10 626
9 881
After tax
4 469
16 180
12 874
13 619
Living cost
21 021
21 021
21 021
21 021
Free-cash
-16 552
-4 841
-8 147
-7 402

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
-₽18393
-₽10081
-₽32212
-₽15512
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.

-
-
-
23 500
income
-
-
-
22 308
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
-
-
-
27 263
Employee
35 952
-
21 360
-
social contributions
3 602
-
2 140
-
income
3 901
-
852
-
total
7 503
-
2 992
-
Employer
35 952
-
21 360
-
social contributions
3 602
-
2 140
-
total
3 602
-
2 140
-
Corporate
-
23 500
-
-
income
-
8 224
-
-
total
-
8 224
-
-
Dividends
-
15 276
-
-
social contributions
2 339
2 339
-
-
total
2 339
2 339
-
-
Income
23 500
23 500
23 500
23 500
Total tax
13 444
10 563
5 132
27 263
After tax
10 056
12 937
18 368
-3 763
Living cost
28 449
28 449
28 449
28 449
Free-cash
-18 393
-15 512
-10 081
-32 212

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
-₽5132
-₽1728
-₽1527
-₽2283
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
-
-
-
23 500
income
-
-
-
3 525
health
-
-
-
1 640
social contributions
-
-
-
3 244
total
-
-
-
8 409
Employee
26 572
-
23 500
-
health
1 855
-
1 640
-
income
4 432
-
3 726
-
social contributions
3 668
-
3 244
-
total
9 955
-
8 610
-
Employer
26 572
-
23 500
-
total
-
-
-
-
Corporate
-
23 500
-
-
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%.

-
1 175
-
-
total
-
1 175
-
-
Dividends
-
22 325
-
-
social contributions
1 367
3 082
-
-
withholding
-
3 349
-
-
health
692
1 559
-
-
total
2 059
7 990
-
-
Income
23 500
23 500
23 500
23 500
Total tax
12 014
9 165
8 610
8 409
After tax
11 486
14 335
14 890
15 091
Living cost
16 618
16 618
16 618
16 618
Free-cash
-5 132
-2 283
-1 728
-1 527

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
-₽19728
-₽10011
-₽10492
-₽5757
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
-
-
-
23 500
income
-
-
-
2 020
health
-
-
-
3 173
social contributions
-
-
-
6 862
solidarity contribution
-
-
-
-
total
-
-
-
12 055
Employee
32 261
-
17 537
-
health
4 355
-
2 368
-
solidarity contribution
-
-
-
-
income
3 871
-
2 104
-
social contributions
2 097
-
1 140
-
total
10 323
-
5 612
-
Employer
32 261
-
17 537
-
health
2 903
-
1 578
-
social contributions
8 065
-
4 384
-
total
10 968
-
5 962
-
Corporate
-
23 500
-
-
income
-
4 465
-
-
total
-
4 465
-
-
Dividends
-
19 035
-
-
withholding
-
2 855
-
-
total
-
2 855
-
-
Income
23 500
23 500
23 500
23 500
Total tax
21 291
7 320
11 574
12 055
After tax
2 209
16 180
11 926
11 445
Living cost
21 937
21 937
21 937
21 937
Free-cash
-19 728
-5 757
-10 011
-10 492

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
₽11086
₽9335
₽13800
₽12860
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%.

-
-
-
23 500
microenterprise

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

-
-
-
235
total
-
-
-
235
Employee
11 832
-
23 500
-
income
2 366
-
4 700
-
total
2 366
-
4 700
-
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%.

11 668
23 500
-
-
total
-
-
-
-
Dividends
11 668
23 500
-
-
withholding
583
1 175
-
-
total
583
1 175
-
-
Income
23 500
23 500
23 500
23 500
Total tax
2 949
1 175
4 700
235
After tax
20 551
22 325
18 800
23 265
Living cost
9 465
9 465
9 465
9 465
Free-cash
11 086
12 860
9 335
13 800

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
-₽40914
-₽22570
-₽23313
-₽26008
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
-
-
-
23 500
income
-
-
-
-
other
-
-
-
729
health
-
-
-
210
social contributions
-
-
-
671
pensions
-
-
-
7 351
surtax
-
-
-
-
total
-
-
-
8 961
Employee
49 085
-
17 907
-
pensions
5 552
-
2 026
-
income
4 283
-
89
-
social contributions
1 398
-
510
-
surtax
-
-
-
-
total
11 233
-
2 625
-
Employer
49 085
-
17 907
-
health
3 435
-
1 254
-
social contributions
147
-
54
-
pensions
8 065
-
2 942
-
unemployment
1 988
-
726
-
other
1 694
-
617
-
total
15 329
-
5 593
-
Corporate
-
23 500
-
-
income
-
6 580
-
-
surtax
-
-
-
-
total
-
6 580
-
-
Dividends
-
16 920
-
-
social contributions
-
2 911
-
-
surtax
-
-
-
-
withholding
-
2 165
-
-
total
-
5 076
-
-
Income
23 500
23 500
23 500
23 500
Total tax
26 562
11 656
8 218
8 961
After tax
-3 062
11 844
15 282
14 539
Living cost
37 852
37 852
37 852
37 852
Free-cash
-40 914
-26 008
-22 570
-23 313

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
-₽523
-₽266
-₽1279
₽3467
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.

-
-
-
23 500
pensions
-
-
-
6 110
unemployment
-
-
-
353
income
-
-
-
2 383
health
-
-
-
2 421
total
-
-
-
11 267
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
-
19 932
-
health
1 049
-
1 027
-
unemployment
153
-
149
-
pensions
2 853
-
2 790
-
income
2 809
-
2 720
-
total
6 864
-
6 686
-
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
-
19 932
-
health
1 049
-
1 027
-
pensions
2 445
-
2 392
-
unemployment
153
-
149
-
total
3 647
-
3 568
-
Corporate
-
23 500
-
-
income
-
3 525
-
-
total
-
3 525
-
-
Dividends
-
19 975
-
-
withholding
-
2 996
-
-
total
-
2 996
-
-
Income
23 500
23 500
23 500
23 500
Total tax
10 511
6 521
10 254
11 267
After tax
12 989
16 979
13 246
12 233
Living cost
13 512
13 512
13 512
13 512
Free-cash
-523
3 467
-266
-1 279

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
-₽44802
-₽35102
-₽33128
-₽42543
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
-
-
-
23 500
pensions
-
-
-
2 161
city
-
-
-
246
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.

-
-
-
469
health
-
-
-
174
regional
-
-
-
282
national
-
-
-
7
total
-
-
-
3 339
Employee
62 361
-
20 622
-
health
141
-
47
-
unemployment
-
-
-
-
city
669
-
216
-
pensions
5 239
-
2 193
-
regional
2 042
-
205
-
national
295
-
-
-
total
8 386
-
2 661
-
Employer
62 361
-
20 622
-
health
141
-
47
-
pensions
5 239
-
2 193
-
unemployment
-
-
-
-
other

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

1 247
-
412
-
total
6 627
-
2 652
-
Corporate
-
23 500
-
-
regional
-
4 970
-
-
national
-
1 997
-
-
total
-
6 967
-
-
Dividends
-
16 534
-
-
withholding
-
5 787
-
-
total
-
5 787
-
-
Income
23 500
23 500
23 500
23 500
Total tax
15 013
12 754
5 313
3 339
After tax
8 487
10 746
18 187
20 161
Living cost
53 289
53 289
53 289
53 289
Free-cash
-44 802
-42 543
-35 102
-33 128

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
-₽25515
-₽15212
-₽10847
-₽13828
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

-
-
-
23 500
municipal
-
-
-
4 224
health
-
-
-
34
national
-
-
-
-
total
-
-
-
4 258
Employee
41 232
-
19 770
-
health
308
-
-
-
unemployment
619
-
296
-
pensions
2 783
-
1 334
-
national
681
-
-
-
municipal
6 754
-
3 264
-
total
11 145
-
4 894
-
Employer
41 232
-
19 770
-
health
317
-
152
-
pensions
7 154
-
3 430
-
accident
42
-
19
-
unemployment
268
-
128
-
total
7 781
-
3 729
-
Corporate
-
23 500
-
-
income
-
4 700
-
-
total
-
4 700
-
-
Dividends

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

-
14 100
-
-
municipal
-
2 539
-
-
national
-
-
-
-
total
-
2 539
-
-
Income
23 500
23 500
23 500
23 500
Total tax
18 926
7 239
8 623
4 258
After tax
4 574
16 261
14 877
19 242
Living cost
30 089
30 089
30 089
30 089
Free-cash
-25 515
-13 828
-15 212
-10 847

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
-₽48877
-₽17656
-₽13308
-₽15195
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
-
-
-
23 500
communal

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

-
-
-
1 368
social contributions
-
-
-
703
national
-
-
-
6 162
total
-
-
-
8 233
Employee

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

56 059
-
18 201
-
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
-
855
-
communal

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

2 924
-
949
-
unemployment

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

488
-
158
-
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
-
1 365
-
national
17 235
-
3 956
-
total
27 485
-
7 283
-
Employer

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

56 059
-
18 201
-
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
-
1 120
-
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
-
1 612
-
surtax
6 356
-
2 064
-
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
-
236
-
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
-
266
-
total
16 317
-
5 298
-
Corporate
-
23 500
-
-
income
-
4 700
-
-
surtax
-
94
-
-
total
-
4 794
-
-
Dividends
-
18 707
-
-
withholding

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

-
5 326
-
-
total
-
5 326
-
-
Income
23 500
23 500
23 500
23 500
Total tax
43 802
10 120
12 581
8 233
After tax
-20 302
13 380
10 919
15 267
Living cost
28 575
28 575
28 575
28 575
Free-cash
-48 877
-15 195
-17 656
-13 308

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
-₽40192
-₽21464
-₽22298
-₽21182
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
-
-
-
23 500
unemployment
-
-
-
24
municipal
-
-
-
4 977
other
-
-
-
2 731
health
-
-
-
1 466
national
-
-
-
-
accident
-
-
-
47
pensions
-
-
-
2 540
total
-
-
-
11 785
Employee
48 465
-
17 882
-
national
-
-
-
-
municipal
14 452
-
5 332
-
total
14 452
-
5 332
-
Employer
48 465
-
17 882
-
health
2 981
-
1 100
-
pensions
5 239
-
1 933
-
accident
97
-
36
-
unemployment
1 279
-
472
-
other
5 632
-
2 078
-
total
15 228
-
5 619
-
Corporate
-
23 500
-
-
income
-
5 170
-
-
total
-
5 170
-
-
Dividends
-
18 330
-
-
withholding
-
5 499
-
-
total
-
5 499
-
-
Income
23 500
23 500
23 500
23 500
Total tax
29 680
10 669
10 951
11 785
After tax
-6 180
12 831
12 549
11 715
Living cost
34 012
34 012
34 012
34 012
Free-cash
-40 192
-21 182
-21 464
-22 298

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
-₽107388
-₽27052
-₽21637
-₽23580
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
-
-
-
23 500
income
-
-
-
4 581
social contributions
-
-
-
2 679
total
-
-
-
7 260
Employee
54 310
-
5 753
-
income
11 980
-
1 126
-
social contributions
4 453
-
635
-
total
16 433
-
1 761
-
Employer
54 310
-
5 753
-
social contributions
76 578
-
10 914
-
total
76 578
-
10 914
-
Corporate
-
23 500
-
-
income
-
5 170
-
-
total
-
5 170
-
-
Dividends
-
18 330
-
-
income
-
4 033
-
-
total
-
4 033
-
-
Income
23 500
23 500
23 500
23 500
Total tax
93 011
9 203
12 675
7 260
After tax
-69 511
14 297
10 825
16 240
Living cost
37 877
37 877
37 877
37 877
Free-cash
-107 388
-23 580
-27 052
-21 637

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
-₽15355
-₽12964
-₽7327
-₽19642
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
-
-
-
29 793
income
-
-
-
-
health
-
-
-
760
social contributions
-
-
-
4 648
total
-
-
-
5 408
Employee
60 263
60 263
60 263
-
health
599
1 025
363
-
income
6 328
5 579
6 746
-
social contributions
2 928
5 002
1 771
-
total
9 855
11 606
8 880
-
Employer
60 263
60 263
60 263
-
health
653
1 115
394
-
social contributions
2 928
5 002
1 771
-
total
3 581
6 117
2 165
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
23 500
23 500
23 500
23 500
Total tax
13 436
17 723
11 045
5 408
After tax
10 064
5 777
12 455
18 092
Living cost
25 419
25 419
25 419
25 419
Free-cash
-15 355
-19 642
-12 964
-7 327

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
-₽19757
-₽11741
-₽10016
-₽10530
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
-
-
-
23 500
income
-
-
-
4 529
pensions
-
-
-
851
total
-
-
-
5 380
Employee
38 621
-
21 547
-
health
504
-
153
-
pensions
2 948
-
899
-
income
7 033
-
4 099
-
total
10 485
-
5 151
-
Employer
38 621
-
21 547
-
health
734
-
409
-
pensions
3 902
-
1 545
-
total
4 636
-
1 954
-
Corporate
-
23 500
-
-
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.

-
4 466
-
-
total
-
4 466
-
-
Dividends
-
19 034
-
-
withholding
-
1 428
-
-
total
-
1 428
-
-
Income
23 500
23 500
23 500
23 500
Total tax
15 121
5 894
7 105
5 380
After tax
8 379
17 606
16 395
18 120
Living cost
28 136
28 136
28 136
28 136
Free-cash
-19 757
-10 530
-11 741
-10 016

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
-₽42540
-₽19667
-₽18261
-₽18843
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
-
-
-
23 500
municipal
-
-
-
156
regional
-
-
-
302
social contributions
-
-
-
6 074
national
-
-
-
4 008
total
-
-
-
10 540
Employee
66 040
-
23 500
-
social contributions
22 268
-
7 963
-
regional
997
-
269
-
national
11 160
-
3 574
-
municipal
394
-
140
-
total
34 819
-
11 946
-
Employer
66 040
-
23 500
-
total
-
-
-
-
Corporate
-
23 500
-
-
nationa
-
5 640
-
-
municipal
-
1 133
-
-
total
-
6 773
-
-
Dividends
-
16 727
-
-
withholding
-
4 349
-
-
total
-
4 349
-
-
Income
23 500
23 500
23 500
23 500
Total tax
34 819
11 122
11 946
10 540
After tax
-11 319
12 378
11 554
12 960
Living cost
31 221
31 221
31 221
31 221
Free-cash
-42 540
-18 843
-19 667
-18 261

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
-₽8195
-₽4326
-₽1766
-₽14834
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
-
-
-
23 500
pensions
-
-
-
3 165
income
-
-
-
3 231
other
-
-
-
282
health
-
-
-
1 659
accident
-
-
-
192
total
-
-
-
8 529
Employee
26 328
-
19 522
-
health
3 015
-
2 235
-
pensions
2 965
-
2 198
-
income
3 612
-
2 678
-
total
9 592
-
7 111
-
Employer
26 328
-
19 522
-
pensions
4 281
-
3 174
-
accident
440
-
326
-
unemployment
645
-
478
-
total
5 366
-
3 978
-
Corporate
-
23 500
-
-
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.

-
21 150
-
-
total
-
21 150
-
-
Dividends
-
2 350
-
-
withholding
-
447
-
-
total
-
447
-
-
Income
23 500
23 500
23 500
23 500
Total tax
14 958
21 597
11 089
8 529
After tax
8 542
1 903
12 411
14 971
Living cost
16 737
16 737
16 737
16 737
Free-cash
-8 195
-14 834
-4 326
-1 766

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
-₽15494
-₽12919
-₽12919
-₽17974
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.

-
-
-
23 500
trade
-
-
-
-
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.

-
-
-
766
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.

-
-
-
42
total
-
-
-
6 162
Employee

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

38 994
-
23 500
-
health

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

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

5 354
-
5 354
-
income

Personal income is calculated on a progressive scale(from 14% to 42%), and is fixed at 45%. The tax percentage is unique and will depend on your income.

3 206
-
766
-
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
-
42
-
total
8 737
-
6 162
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
23 500
-
-
income
-
3 525
-
-
trade
-
3 372
-
-
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.

-
193
-
-
chamber of commerce
-
153
-
-
total
-
7 243
-
-
Dividends
-
16 257
-
-
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.

-
207
-
-
withholding
-
3 767
-
-
total
-
3 974
-
-
Income
23 500
23 500
23 500
23 500
Total tax
8 737
11 217
6 162
6 162
After tax
14 763
12 283
17 338
17 338
Living cost
30 257
30 257
30 257
30 257
Free-cash
-15 494
-17 974
-12 919
-12 919

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
-₽4915
-₽2819
₽1204
₽2496
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.

-
-
-
23 500
income
-
-
-
-
microenterprise
-
-
-
3 525
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.

-
-
-
2 467
surtax
-
-
-
-
total
-
-
-
5 992
Employee
22 900
-
18 937
-
income
4 076
-
3 370
-
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
-
2 084
-
surtax
-
-
-
-
total
6 595
-
5 454
-
Employer
22 900
-
18 937
-
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
-
4 561
-
surtax
-
-
-
-
total
5 516
-
4 561
-
Corporate
-
23 500
-
-
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%.

-
4 700
-
-
total
-
4 700
-
-
Dividends

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

-
18 800
-
-
total
-
-
-
-
Income
23 500
23 500
23 500
23 500
Total tax
12 111
4 700
10 015
5 992
After tax
11 389
18 800
13 485
17 508
Living cost
16 304
16 304
16 304
16 304
Free-cash
-4 915
2 496
-2 819
1 204

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
₽3320
₽2695
₽2028
₽4921
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
-
-
-
23 500
income
-
-
-
3 621
health
-
-
-
3 408
pensions
-
-
-
4 700
total
-
-
-
11 729
Employee
14 840
-
19 184
-
health
742
-
959
-
unemployment
148
-
192
-
pensions
1 336
-
1 727
-
income
2 871
-
3 868
-
total
5 097
-
6 746
-
Employer
14 840
-
19 184
-
health
1 410
-
1 822
-
pensions
1 632
-
2 110
-
unemployment
297
-
384
-
total
3 339
-
4 316
-
Corporate
5 321
23 500
-
-
income
1 171
5 170
-
-
total
1 171
5 170
-
-
Dividends
4 150
18 330
-
-
withholding
830
3 666
-
-
total
830
3 666
-
-
Income
23 500
23 500
23 500
23 500
Total tax
10 437
8 836
11 062
11 729
After tax
13 063
14 664
12 438
11 771
Living cost
9 743
9 743
9 743
9 743
Free-cash
3 320
4 921
2 695
2 028

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
-₽8450
-₽4586
-₽4041
-₽2822
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
-
-
-
23 500
pensions
-
-
-
4 700
unemployment
-
-
-
178
income
-
-
-
3 391
other
-
-
-
-
health
-
-
-
1 669
surtax
-
-
-
-
total
-
-
-
9 938
Employee
26 392
-
19 413
-
health
674
-
495
-
unemployment
1 837
-
1 352
-
pensions
1 761
-
1 295
-
income
4 425
-
3 254
-
other
-
-
-
-
surtax
94
-
-
-
total
8 791
-
6 396
-
Employer
26 392
-
19 413
-
health
1 200
-
883
-
pensions
3 519
-
2 588
-
unemployment
837
-
616
-
other
-
-
-
-
total
5 556
-
4 087
-
Corporate
-
23 500
-
-
income
-
6 110
-
-
total
-
6 110
-
-
Dividends
-
17 390
-
-
withholding
-
2 609
-
-
total
-
2 609
-
-
Income
23 500
23 500
23 500
23 500
Total tax
14 347
8 719
10 483
9 938
After tax
9 153
14 781
13 017
13 562
Living cost
17 603
17 603
17 603
17 603
Free-cash
-8 450
-2 822
-4 586
-4 041

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
-₽21362
-₽17381
-₽12549
-₽19196
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
-
-
-
23 500
pensions
-
-
-
4 347
chamber of commerce
-
-
-
94