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
₽ 26500
per

Your estimated
City
free-cash

Valencia , Spain
-₽11631
-₽9026
-₽6056
-₽16148
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
-
-
-
26 500
income
-
-
-
3 524
accident
-
-
-
239
unemployment
-
-
-
186
pensions
-
-
-
7 500
other
-
-
-
27
total
-
-
-
11 476
Employee
32 339
-
17 189
-
other
32
-
30
-
income
6 235
-
2 913
-
unemployment
501
-
453
-
pensions
1 520
-
1 373
-
total
8 288
-
4 769
-
Employer
32 339
-
17 189
-
unemployment
1 779
-
1 607
-
pensions
7 631
-
6 893
-
other
259
-
234
-
accident
641
-
578
-
total
10 310
-
9 312
-
Corporate
-
26 500
-
-
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.

-
3 975
-
-
total
-
3 975
-
-
Dividends
-
22 525
-
-
withholding
-
4 531
-
-
total
-
4 531
-
-
Income
26 500
26 500
26 500
26 500
Total tax
18 598
8 506
14 081
11 476
After tax
7 902
17 994
12 419
15 024
Living cost
24 050
24 050
24 050
24 050
Free-cash
-16 148
-6 056
-11 631
-9 026

Estimated living cost  is ₽24050 per week

₽16234
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2312
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽422
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.
₽5084
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
-₽7773
-₽8955
-₽3835
-₽13258
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
-
-
-
26 500
income
-
-
-
3 366
health
-
-
-
1 167
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.

-
-
-
6 360
other
-
-
-
1 258
total
-
-
-
12 151
Employee
31 756
-
21 164
-
income
5 467
-
3 643
-
health
445
-
297
-
unemployment
317
-
212
-
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.

2 222
-
1 482
-
total
8 451
-
5 634
-
Employer
31 756
-
21 164
-
unemployment
317
-
212
-
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.

5 399
-
3 598
-
other
1 588
-
1 059
-
accident
254
-
169
-
health
445
-
297
-
total
8 003
-
5 335
-
Corporate
-
26 500
-
-
income
-
5 565
-
-
total
-
5 565
-
-
Dividends
-
20 935
-
-
withholding
-
1 466
-
-
total
-
1 466
-
-
Income
26 500
26 500
26 500
26 500
Total tax
16 454
7 031
10 969
12 151
After tax
10 046
19 469
15 531
14 349
Living cost
23 304
23 304
23 304
23 304
Free-cash
-13 258
-3 835
-7 773
-8 955

Estimated living cost  is ₽23304 per week

₽16466
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.
₽4890
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
₽5264
₽3983
₽11192
₽7130
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
-
-
-
26 500
income
-
-
-
3 975
health
-
-
-
3 048
unemployment
-
-
-
106
pensions

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

-
-
-
3 922
total
-
-
-
11 051
Employee
15 182
-
22 154
-
income
1 518
-
2 215
-
health
698
-
1 020
-
accident

We are using the highest rate at 1.1%.

167
-
244
-
pensions

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

1 333
-
1 945
-
total
3 716
-
5 424
-
Employer
15 182
-
22 154
-
unemployment
91
-
133
-
pensions

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

1 673
-
2 441
-
accident

We are using the highest rate at 1.1%.

167
-
244
-
health
1 048
-
1 528
-
total
2 979
-
4 346
-
Corporate
8 339
26 500
-
-
income
834
2 650
-
-
total
834
2 650
-
-
Dividends
7 505
23 850
-
-
withholding
375
1 192
-
-
total
375
1 192
-
-
Income
26 500
26 500
26 500
26 500
Total tax
7 904
3 842
9 770
11 051
After tax
18 596
22 658
16 730
15 449
Living cost
11 466
11 466
11 466
11 466
Free-cash
7 130
11 192
5 264
3 983

Estimated living cost  is ₽11466 per week

₽6694
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽819
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽304
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.
₽3649
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
-₽12714
-₽13512
-₽16566
-₽22620
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
-
-
-
26 500
income
-
-
-
2
social contributions
-
-
-
754
health
-
-
-
234
surtax
-
-
-
-
pensions
-
-
-
8 277
other
-
-
-
822
total
-
-
-
10 089
Employee
37 431
-
20 193
-
income
2 209
-
126
-
social contributions
1 067
-
576
-
surtax
-
-
-
-
pensions
4 232
-
2 284
-
total
7 508
-
2 986
-
Employer
37 431
-
20 193
-
unemployment
1 515
-
818
-
social contributions
113
-
60
-
pensions
6 149
-
3 316
-
other
1 291
-
697
-
health
2 621
-
1 414
-
total
11 689
-
6 305
-
Corporate
-
26 500
-
-
income
-
7 421
-
-
surtax
-
-
-
-
total
-
7 421
-
-
Dividends
-
19 079
-
-
withholding
-
2 441
-
-
surtax
-
-
-
-
social contributions
-
3 281
-
-
total
-
5 722
-
-
Income
26 500
26 500
26 500
26 500
Total tax
19 197
13 143
9 291
10 089
After tax
7 303
13 357
17 209
16 411
Living cost
29 923
29 923
29 923
29 923
Free-cash
-22 620
-16 566
-12 714
-13 512

Estimated living cost  is ₽29923 per week

₽18868
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2433
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽510
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.
₽8114
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
-₽60350
-₽21361
-₽55440
-₽60350
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
-
-
-
26 500
income
-
-
-
2 385
health
-
-
-
4 068
pensions
-
-
-
4 770
total
-
-
-
11 223
Employee
74 687
74 687
74 687
-
income

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

12 225
12 225
12 225
-
health
11 464
9 751
11 464
-
pensions
13 444
10 247
13 444
-
total
37 133
32 223
37 133
-
Employer
74 687
74 687
74 687
-
unemployment
2 689
2 689
2 689
-
pensions
5 198
5 198
5 198
-
health
5 192
5 192
5 192
-
total
13 079
13 079
13 079
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Income
26 500
26 500
26 500
26 500
Total tax
50 212
45 302
50 212
11 223
After tax
-23 712
-18 802
-23 712
15 277
Living cost
36 638
36 638
36 638
36 638
Free-cash
-60 350
-55 440
-60 350
-21 361

Estimated living cost  is ₽36638 per week

₽25965
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3303
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽583
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.
₽6788
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
-₽6926
-₽6926
-₽12917
-₽6951
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.

-
-
-
26 500
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.

-
-
-
910
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.

-
-
-
5 975
trade
-
-
-
-
surtax

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

-
-
-
50
total
-
-
-
6 935
Employee

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

33 452
-
26 500
-
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.

934
-
910
-
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.

5 975
-
5 975
-
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.

51
-
50
-
total
6 960
-
6 935
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
26 500
-
-
chamber of commerce
-
171
-
-
income
-
3 975
-
-
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.

-
219
-
-
trade
-
4 174
-
-
total
-
8 539
-
-
Dividends
-
17 961
-
-
withholding
-
4 158
-
-
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.

-
229
-
-
total
-
4 387
-
-
Income
26 500
26 500
26 500
26 500
Total tax
6 960
12 926
6 935
6 935
After tax
19 540
13 574
19 565
19 565
Living cost
26 491
26 491
26 491
26 491
Free-cash
-6 951
-12 917
-6 926
-6 926

Estimated living cost  is ₽26491 per week

₽16663
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3089
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽495
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6244
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
-₽6116
₽216
-₽13528
-₽7245
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
33 248
income
-
-
-
-
social contributions
-
-
-
5 187
health
-
-
-
848
total
-
-
-
6 035
Employee
67 252
67 252
67 252
-
income
7 323
6 226
7 520
-
social contributions
2 543
5 582
1 997
-
health
521
1 144
408
-
total
10 387
12 952
9 925
-
Employer
67 252
67 252
67 252
-
social contributions
2 543
5 582
1 997
-
health
566
1 245
445
-
total
3 109
6 827
2 442
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
26 500
26 500
26 500
26 500
Total tax
13 496
19 779
12 367
6 035
After tax
13 004
6 721
14 133
20 465
Living cost
20 249
20 249
20 249
20 249
Free-cash
-7 245
-13 528
-6 116
216

Estimated living cost  is ₽20249 per week

₽12136
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1987
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.
₽5680
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
-₽11827
-₽11688
-₽12360
-₽23278
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.

-
-
-
26 500
income
-
-
-
1 547
social contributions

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

-
-
-
9 208
surtax
-
-
-
-
total
-
-
-
10 755
Employee
40 225
-
21 415
-
income
8 367
-
3 454
-
social contributions
4 425
-
2 355
-
surtax
-
-
-
-
total
12 792
-
5 809
-
Employer
40 225
-
21 415
-
social contributions
9 553
-
5 085
-
total
9 553
-
5 085
-
Corporate
-
26 500
-
-
income
-
5 565
-
-
surtax
-
-
-
-
total
-
5 565
-
-
Dividends
-
20 935
-
-
withholding
-
5 862
-
-
total
-
5 862
-
-
Income
26 500
26 500
26 500
26 500
Total tax
22 345
11 427
10 894
10 755
After tax
4 155
15 073
15 606
15 745
Living cost
27 433
27 433
27 433
27 433
Free-cash
-23 278
-12 360
-11 827
-11 688

Estimated living cost  is ₽27433 per week

₽20526
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1618
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽458
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.
₽4831
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
₽14916
₽19951
₽18891
₽17713
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%.

-
-
-
26 500
microenterprise

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

-
-
-
265
total
-
-
-
265
Employee
7 855
-
26 500
-
income
1 571
-
5 300
-
total
1 571
-
5 300
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

18 645
26 500
-
-
total
-
-
-
-
Dividends
18 645
26 500
-
-
withholding
932
1 325
-
-
total
932
1 325
-
-
Income
26 500
26 500
26 500
26 500
Total tax
2 503
1 325
5 300
265
After tax
23 997
25 175
21 200
26 235
Living cost
6 284
6 284
6 284
6 284
Free-cash
17 713
18 891
14 916
19 951

Estimated living cost  is ₽6284 per week

₽3894
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽522
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽173
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.
₽1695
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
-₽8954
-₽8115
-₽5215
-₽18197
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.

-
-
-
26 500
income
-
-
-
3 669
health
-
-
-
2 607
unemployment
-
-
-
40
pensions
-
-
-
4 840
total
-
-
-
11 156
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.

38 675
-
22 930
-
income
6 669
-
3 358
-
health
2 498
-
1 482
-
unemployment
55
-
32
-
pensions
5 995
-
3 553
-
total
15 217
-
8 425
-
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.

38 675
-
22 930
-
unemployment
23
-
13
-
pensions
3 422
-
2 030
-
health
2 576
-
1 527
-
total
6 021
-
3 570
-
Corporate
-
26 500
-
-
income
-
5 036
-
-
total
-
5 036
-
-
Dividends
-
21 464
-
-
withholding
-
3 220
-
-
total
-
3 220
-
-
Income
26 500
26 500
26 500
26 500
Total tax
21 238
8 256
11 995
11 156
After tax
5 262
18 244
14 505
15 344
Living cost
23 459
23 459
23 459
23 459
Free-cash
-18 197
-5 215
-8 954
-8 115

Estimated living cost  is ₽23459 per week

₽16099
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1504
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽455
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.
₽5402
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
-₽11060
-₽35852
-₽17133
-₽20252
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.

-
-
-
26 500
income
-
-
-
24 896
health

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

-
-
-
5 708
total
-
-
-
30 604
Employee
40 121
-
24 087
-
social contributions
4 020
-
2 413
-
income
4 353
-
986
-
total
8 373
-
3 399
-
Employer
40 121
-
24 087
-
social contributions
4 020
-
2 413
-
total
4 020
-
2 413
-
Corporate
-
26 500
-
-
income
-
9 274
-
-
total
-
9 274
-
-
Dividends
-
17 226
-
-
social contributions
2 611
2 611
-
-
total
2 611
2 611
-
-
Income
26 500
26 500
26 500
26 500
Total tax
15 004
11 885
5 812
30 604
After tax
11 496
14 615
20 688
-4 104
Living cost
31 748
31 748
31 748
31 748
Free-cash
-20 252
-17 133
-11 060
-35 852

Estimated living cost  is ₽31748 per week

₽20912
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2503
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.
₽7845
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
-₽1772
-₽1526
-₽2378
-₽5452
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
-
-
-
26 500
income
-
-
-
3 975
social contributions
-
-
-
3 656
health
-
-
-
1 849
total
-
-
-
9 480
Employee
29 654
-
26 500
-
income
4 946
-
4 221
-
social contributions
4 093
-
3 656
-
health
2 070
-
1 849
-
total
11 109
-
9 726
-
Employer
29 654
-
26 500
-
total
-
-
-
-
Corporate
-
26 500
-
-
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%.

-
1 324
-
-
total
-
1 324
-
-
Dividends
-
25 176
-
-
withholding
-
3 776
-
-
health
772
1 758
-
-
social contributions
1 525
3 474
-
-
total
2 297
9 008
-
-
Income
26 500
26 500
26 500
26 500
Total tax
13 406
10 332
9 726
9 480
After tax
13 094
16 168
16 774
17 020
Living cost
18 546
18 546
18 546
18 546
Free-cash
-5 452
-2 378
-1 772
-1 526

Estimated living cost  is ₽18546 per week

₽12411
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1144
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.
₽4563
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
-₽10273
-₽10815
-₽5476
-₽20243
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
-
-
-
26 500
income
-
-
-
2 278
social contributions
-
-
-
7 738
solidarity contribution
-
-
-
-
health
-
-
-
3 578
total
-
-
-
13 594
Employee
34 883
-
19 776
-
solidarity contribution
-
-
-
-
income
4 186
-
2 373
-
social contributions
2 267
-
1 285
-
health
4 709
-
2 670
-
total
11 162
-
6 328
-
Employer
34 883
-
19 776
-
social contributions
8 721
-
4 944
-
health
3 139
-
1 780
-
total
11 860
-
6 724
-
Corporate
-
26 500
-
-
income
-
5 035
-
-
total
-
5 035
-
-
Dividends
-
21 465
-
-
withholding
-
3 220
-
-
total
-
3 220
-
-
Income
26 500
26 500
26 500
26 500
Total tax
23 022
8 255
13 052
13 594
After tax
3 478
18 245
13 448
12 906
Living cost
23 721
23 721
23 721
23 721
Free-cash
-20 243
-5 476
-10 273
-10 815

Estimated living cost  is ₽23721 per week

₽17640
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1314
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.
₽4356
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
₽11407
₽16442
₽15382
₽13546
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%.

-
-
-
26 500
microenterprise

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

-
-
-
265
total
-
-
-
265
Employee
12 241
-
26 500
-
income
2 448
-
5 300
-
total
2 448
-
5 300
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

14 259
26 500
-
-
total
-
-
-
-
Dividends
14 259
26 500
-
-
withholding
713
1 325
-
-
total
713
1 325
-
-
Income
26 500
26 500
26 500
26 500
Total tax
3 161
1 325
5 300
265
After tax
23 339
25 175
21 200
26 235
Living cost
9 793
9 793
9 793
9 793
Free-cash
13 546
15 382
11 407
16 442

Estimated living cost  is ₽9793 per week

₽6627
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽411
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽328
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.
₽2426
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
-₽25033
-₽25831
-₽28885
-₽45385
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
-
-
-
26 500
income
-
-
-
2
social contributions
-
-
-
754
health
-
-
-
234
surtax
-
-
-
-
pensions
-
-
-
8 277
other
-
-
-
822
total
-
-
-
10 089
Employee
54 778
-
20 193
-
income
4 779
-
126
-
social contributions
1 560
-
576
-
surtax
-
-
-
-
pensions
6 196
-
2 284
-
total
12 535
-
2 986
-
Employer
54 778
-
20 193
-
unemployment
2 219
-
818
-
social contributions
164
-
60
-
pensions
9 001
-
3 316
-
other
1 890
-
697
-
health
3 834
-
1 414
-
total
17 108
-
6 305
-
Corporate
-
26 500
-
-
income
-
7 421
-
-
surtax
-
-
-
-
total
-
7 421
-
-
Dividends
-
19 079
-
-
withholding
-
2 441
-
-
surtax
-
-
-
-
social contributions
-
3 281
-
-
total
-
5 722
-
-
Income
26 500
26 500
26 500
26 500
Total tax
29 643
13 143
9 291
10 089
After tax
-3 143
13 357
17 209
16 411
Living cost
42 242
42 242
42 242
42 242
Free-cash
-45 385
-28 885
-25 033
-25 831

Estimated living cost  is ₽42242 per week

₽28589
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3456
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽579
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.
₽9618
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
-₽161
-₽1299
₽4065
-₽313
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.

-
-
-
26 500
income
-
-
-
2 702
health
-
-
-
2 729
unemployment
-
-
-
397
pensions
-
-
-
6 890
total
-
-
-
12 718
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.

22 741
-
22 477
-
income
3 135
-
3 082
-
health
1 171
-
1 158
-
unemployment
171
-
169
-
pensions
3 184
-
3 147
-
total
7 661
-
7 556
-
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.

22 741
-
22 477
-
unemployment
171
-
169
-
pensions
2 729
-
2 697
-
health
1 171
-
1 158
-
total
4 071
-
4 024
-
Corporate
-
26 500
-
-
income
-
3 975
-
-
total
-
3 975
-
-
Dividends
-
22 525
-
-
withholding
-
3 379
-
-
total
-
3 379
-
-
Income
26 500
26 500
26 500
26 500
Total tax
11 732
7 354
11 580
12 718
After tax
14 768
19 146
14 920
13 782
Living cost
15 081
15 081
15 081
15 081
Free-cash
-313
4 065
-161
-1 299

Estimated living cost  is ₽15081 per week

₽10154
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1167
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.
₽3324
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
-₽40556
-₽38295
-₽48916
-₽51729
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
-
-
-
26 500
regional
-
-
-
312
national
-
-
-
5
health
-
-
-
199
city
-
-
-
277
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.

-
-
-
530
pensions
-
-
-
2 439
total
-
-
-
3 762
Employee
71 424
-
23 235
-
regional
2 339
-
224
-
city
767
-
243
-
health
161
-
52
-
unemployment
-
-
-
-
national
338
-
-
-
pensions
6 001
-
2 494
-
total
9 606
-
3 013
-
Employer
71 424
-
23 235
-
unemployment
-
-
-
-
pensions
6 001
-
2 494
-
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.

1 428
-
464
-
health
161
-
52
-
total
7 590
-
3 010
-
Corporate
-
26 500
-
-
regional
-
5 604
-
-
national
-
2 253
-
-
total
-
7 857
-
-
Dividends
-
18 643
-
-
withholding
-
6 526
-
-
total
-
6 526
-
-
Income
26 500
26 500
26 500
26 500
Total tax
17 196
14 383
6 023
3 762
After tax
9 304
12 117
20 477
22 738
Living cost
61 033
61 033
61 033
61 033
Free-cash
-51 729
-48 916
-40 556
-38 295

Estimated living cost  is ₽61033 per week

₽39689
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5477
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽749
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.
₽15117
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
-₽16804
-₽11883
-₽15238
-₽28196
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

-
-
-
26 500
municipal
-
-
-
4 762
national
-
-
-
-
health
-
-
-
43
total
-
-
-
4 805
Employee
46 014
-
22 294
-
health
344
-
-
-
unemployment
690
-
334
-
national
760
-
-
-
municipal
7 537
-
3 681
-
pensions
3 105
-
1 505
-
total
12 436
-
5 520
-
Employer
46 014
-
22 294
-
unemployment
299
-
144
-
pensions
7 983
-
3 869
-
accident
46
-
22
-
health
354
-
171
-
total
8 682
-
4 206
-
Corporate
-
26 500
-
-
income
-
5 299
-
-
total
-
5 299
-
-
Dividends

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

-
15 900
-
-
national
-
-
-
-
municipal
-
2 861
-
-
total
-
2 861
-
-
Income
26 500
26 500
26 500
26 500
Total tax
21 118
8 160
9 726
4 805
After tax
5 382
18 340
16 774
21 695
Living cost
33 578
33 578
33 578
33 578
Free-cash
-28 196
-15 238
-16 804
-11 883

Estimated living cost  is ₽33578 per week

₽21933
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3230
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽534
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.
₽7882
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
-₽19578
-₽14735
-₽16804
-₽54271
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
-
-
-
26 500
national
-
-
-
6 965
social contributions
-
-
-
841
communal

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

-
-
-
1 540
total
-
-
-
9 346
Employee

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

62 560
-
20 523
-
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.

2 939
-
964
-
communal

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

3 263
-
1 071
-
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.

544
-
179
-
national
19 234
-
4 460
-
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.

4 692
-
1 539
-
total
30 672
-
8 213
-
Employer

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

62 560
-
20 523
-
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.

913
-
300
-
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.

5 543
-
1 819
-
surtax
7 094
-
2 327
-
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.

813
-
267
-
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.

3 847
-
1 263
-
total
18 210
-
5 976
-
Corporate
-
26 500
-
-
income
-
5 299
-
-
surtax
-
106
-
-
total
-
5 405
-
-
Dividends
-
21 094
-
-
withholding

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

-
6 010
-
-
total
-
6 010
-
-
Income
26 500
26 500
26 500
26 500
Total tax
48 882
11 415
14 189
9 346
After tax
-22 382
15 085
12 311
17 154
Living cost
31 889
31 889
31 889
31 889
Free-cash
-54 271
-16 804
-19 578
-14 735

Estimated living cost  is ₽31889 per week

₽20541
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2788
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽500
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.
₽8061
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
-₽21687
-₽22629
-₽21370
-₽40612
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
-
-
-
26 500
municipal
-
-
-
5 613
national
-
-
-
-
health
-
-
-
1 654
accident
-
-
-
53
unemployment
-
-
-
26
pensions
-
-
-
2 865
other
-
-
-
3 079
total
-
-
-
13 290
Employee
51 067
-
20 164
-
national
-
-
-
-
municipal
15 228
-
6 013
-
total
15 228
-
6 013
-
Employer
51 067
-
20 164
-
unemployment
1 348
-
532
-
pensions
5 520
-
2 180
-
other
5 934
-
2 343
-
accident
102
-
40
-
health
3 141
-
1 240
-
total
16 045
-
6 335
-
Corporate
-
26 500
-
-
income
-
5 830
-
-
total
-
5 830
-
-
Dividends
-
20 670
-
-
withholding
-
6 201
-
-
total
-
6 201
-
-
Income
26 500
26 500
26 500
26 500
Total tax
31 273
12 031
12 348
13 290
After tax
-4 773
14 469
14 152
13 210
Living cost
35 839
35 839
35 839
35 839
Free-cash
-40 612
-21 370
-21 687
-22 629

Estimated living cost  is ₽35839 per week

₽23752
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3517
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽544
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8025
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
-₽25216
-₽20595
-₽22786
-₽107953
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
-
-
-
26 500
income
-
-
-
5 165
social contributions
-
-
-
3 021
total
-
-
-
8 186
Employee
55 789
-
4 942
-
income
12 306
-
944
-
social contributions
4 575
-
652
-
total
16 881
-
1 596
-
Employer
55 789
-
4 942
-
social contributions
78 663
-
11 211
-
total
78 663
-
11 211
-
Corporate
-
26 500
-
-
income
-
5 830
-
-
total
-
5 830
-
-
Dividends
-
20 670
-
-
income
-
4 547
-
-
total
-
4 547
-
-
Income
26 500
26 500
26 500
26 500
Total tax
95 544
10 377
12 807
8 186
After tax
-69 044
16 123
13 693
18 314
Living cost
38 909
38 909
38 909
38 909
Free-cash
-107 953
-22 786
-25 216
-20 595

Estimated living cost  is ₽38909 per week

₽25245
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3659
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽496
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.
₽9508
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
-₽14234
-₽7902
-₽21646
-₽16863
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
33 248
income
-
-
-
-
social contributions
-
-
-
5 187
health
-
-
-
848
total
-
-
-
6 035
Employee
67 252
67 252
67 252
-
income
7 062
6 226
7 520
-
social contributions
3 268
5 582
1 997
-
health
669
1 144
408
-
total
10 999
12 952
9 925
-
Employer
67 252
67 252
67 252
-
social contributions
3 268
5 582
1 997
-
health
729
1 245
445
-
total
3 997
6 827
2 442
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
26 500
26 500
26 500
26 500
Total tax
14 996
19 779
12 367
6 035
After tax
11 504
6 721
14 133
20 465
Living cost
28 367
28 367
28 367
28 367
Free-cash
-16 863
-21 646
-14 234
-7 902

Estimated living cost  is ₽28367 per week

₽19392
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2216
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽476
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.
₽6284
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
-₽13221
-₽11274
-₽11851
-₽22247
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
-
-
-
26 500
income
-
-
-
5 108
pensions
-
-
-
959
total
-
-
-
6 067
Employee
43 523
-
24 295
-
income
7 926
-
4 621
-
health
568
-
173
-
pensions
3 322
-
1 015
-
total
11 816
-
5 809
-
Employer
43 523
-
24 295
-
pensions
4 397
-
1 743
-
health
827
-
462
-
total
5 224
-
2 205
-
Corporate
-
26 500
-
-
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.

-
5 035
-
-
total
-
5 035
-
-
Dividends
-
21 465
-
-
withholding
-
1 609
-
-
total
-
1 609
-
-
Income
26 500
26 500
26 500
26 500
Total tax
17 040
6 644
8 014
6 067
After tax
9 460
19 856
18 486
20 433
Living cost
31 707
31 707
31 707
31 707
Free-cash
-22 247
-11 851
-13 221
-11 274

Estimated living cost  is ₽31707 per week

₽21751
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2916
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽397
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.
₽6642
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
-₽21780
-₽20204
-₽20884
-₽47200
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
-
-
-
26 500
municipal
-
-
-
178
regional
-
-
-
340
national
-
-
-
4 528
social contributions
-
-
-
6 816
total
-
-
-
11 862
Employee
73 699
-
26 500
-
regional
1 113
-
304
-
social contributions
24 851
-
8 936
-
national
12 454
-
4 040
-
municipal
440
-
158
-
total
38 858
-
13 438
-
Employer
73 699
-
26 500
-
total
-
-
-
-
Corporate
-
26 500
-
-
nationa
-
6 360
-
-
municipal
-
1 278
-
-
total
-
7 638
-
-
Dividends
-
18 862
-
-
withholding
-
4 904
-
-
total
-
4 904
-
-
Income
26 500
26 500
26 500
26 500
Total tax
38 858
12 542
13 438
11 862
After tax
-12 358
13 958
13 062
14 638
Living cost
34 842
34 842
34 842
34 842
Free-cash
-47 200
-20 884
-21 780
-20 204

Estimated living cost  is ₽34842 per week

₽24474
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2397
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.
₽7444
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
-₽4008
-₽894
-₽15855
-₽7590
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
-
-
-
26 500
income
-
-
-
3 692
health
-
-
-
1 785
accident
-
-
-
207
pensions
-
-
-
3 405
other
-
-
-
303
total
-
-
-
9 392
Employee
28 318
-
22 013
-
income
3 885
-
3 020
-
health
3 242
-
2 521
-
pensions
3 189
-
2 479
-
total
10 316
-
8 020
-
Employer
28 318
-
22 013
-
unemployment
694
-
539
-
pensions
4 605
-
3 579
-
accident
473
-
368
-
total
5 772
-
4 486
-
Corporate
-
26 500
-
-
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.

-
23 850
-
-
total
-
23 850
-
-
Dividends
-
2 650
-
-
withholding
-
503
-
-
total
-
503
-
-
Income
26 500
26 500
26 500
26 500
Total tax
16 088
24 353
12 506
9 392
After tax
10 412
2 147
13 994
17 108
Living cost
18 002
18 002
18 002
18 002
Free-cash
-7 590
-15 855
-4 008
-894

Estimated living cost  is ₽18002 per week

₽13194
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽997
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽376
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.
₽3435
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
-₽14201
-₽14201
-₽19918
-₽17017
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.

-
-
-
26 500
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.

-
-
-
910
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.

-
-
-
5 975
trade
-
-
-
-
surtax

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

-
-
-
50
total
-
-
-
6 935
Employee

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

43 517
-
26 500
-
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.

3 578
-
910
-
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.

5 975
-
5 975
-
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.

198
-
50
-
total
9 751
-
6 935
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
26 500
-
-
chamber of commerce
-
171
-
-
income
-
3 975
-
-
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.

-
219
-
-
trade
-
3 802
-
-
total
-
8 167
-
-
Dividends
-
18 333
-
-
withholding
-
4 251
-
-
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.

-
234
-
-
total
-
4 485
-
-
Income
26 500
26 500
26 500
26 500
Total tax
9 751
12 652
6 935
6 935
After tax
16 749
13 848
19 565
19 565
Living cost
33 766
33 766
33 766
33 766
Free-cash
-17 017
-19 918
-14 201
-14 201

Estimated living cost  is ₽33766 per week

₽23292
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3633
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽490
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.
₽6350
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
-₽2989
₽1577
₽3006
-₽5212
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.

-
-
-
26 500
microenterprise
-
-
-
3 975
income
-
-
-
-
social contributions

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

-
-
-
2 753
surtax
-
-
-
-
total
-
-
-
6 728
Employee
25 556
-
21 355
-
income
4 549
-
3 801
-
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.

2 812
-
2 348
-
surtax
-
-
-
-
total
7 361
-
6 149
-
Employer
25 556
-
21 355
-
social contributions

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

6 156
-
5 145
-
surtax
-
-
-
-
total
6 156
-
5 145
-
Corporate
-
26 500
-
-
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%.

-
5 299
-
-
total
-
5 299
-
-
Dividends

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

-
21 201
-
-
total
-
-
-
-
Income
26 500
26 500
26 500
26 500
Total tax
13 517
5 299
11 294
6 728
After tax
12 983
21 201
15 206
19 772
Living cost
18 195
18 195
18 195
18 195
Free-cash
-5 212
3 006
-2 989
1 577

Estimated living cost  is ₽18195 per week

₽11608
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1733
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.
₽4441
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
₽2713
₽1962
₽5204
₽3343
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
-
-
-
26 500
income
-
-
-
4 064
health
-
-
-
3 842
pensions
-
-
-
5 300
total
-
-
-
13 206
Employee
17 260
-
21 633
-
income
3 339
-
4 342
-
health
863
-
1 082
-
unemployment
173
-
216
-
pensions
1 553
-
1 947
-
total
5 928
-
7 587
-
Employer
17 260
-
21 633
-
unemployment
345
-
433
-
pensions
1 899
-
2 380
-
health
1 640
-
2 055
-
total
3 884
-
4 868
-
Corporate
5 356
26 500
-
-
income
1 178
5 830
-
-
total
1 178
5 830
-
-
Dividends
4 178
20 670
-
-
withholding
835
4 134
-
-
total
835
4 134
-
-
Income
26 500
26 500
26 500
26 500
Total tax
11 825
9 964
12 455
13 206
After tax
14 675
16 536
14 045
13 294
Living cost
11 332
11 332
11 332
11 332
Free-cash
3 343
5 204
2 713
1 962

Estimated living cost  is ₽11332 per week

₽6734
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽919
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽260
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.
₽3420
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
-₽4966
-₽4348
-₽2974
-₽9154
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
-
-
-
26 500
income
-
-
-
3 824
health
-
-
-
1 882
unemployment
-
-
-
199
surtax
-
-
-
-
pensions
-
-
-
5 299
other
-
-
-
-
total
-
-
-
11 204
Employee
29 453
-
21 893
-
other
-
-
-
-
income
4 938
-
3 670
-
health
752
-
559
-
unemployment
2 050
-
1 524
-
surtax
105
-
-
-
pensions
1 965
-
1 461
-
total
9 810
-
7 214
-
Employer
29 453
-
21 893
-
unemployment
934
-
694
-
pensions
3 927
-
2 918
-
other
-
-
-
-
health
1 339
-
996
-
total
6 200
-
4 608
-
Corporate
-
26 500
-
-
income
-
6 889
-
-
total
-
6 889
-
-
Dividends
-
19 611
-
-
withholding
-
2 941
-
-
total
-
2 941
-
-
Income
26 500
26 500
26 500
26 500
Total tax
16 010
9 830
11 822
11 204
After tax
10 490
16 670
14 678
15 296
Living cost
19 644
19 644
19 644
19 644
Free-cash
-9 154
-2 974
-4 966
-4 348

Estimated living cost  is ₽19644 per week

₽11860
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1708
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽456
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5621
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
-₽19252
-₽13803
-₽21148
-₽23565
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
-
-
-
26 500
income
-
-
-
-
chamber of commerce
-
-
-
106