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
₽ 27000
per

Your estimated
City
free-cash

Valencia , Spain
-₽12475
-₽8763
-₽6954
-₽3945
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
-
-
-
27 000
unemployment
-
-
-
189
income
-
-
-
3 592
other
-
-
-
28
accident
-
-
-
243
pensions
-
-
-
7 641
total
-
-
-
11 693
Employee
29 932
-
18 382
-
unemployment
464
-
419
-
pensions
1 407
-
1 270
-
income
5 771
-
3 166
-
other
29
-
28
-
total
7 671
-
4 883
-
Employer
29 932
-
18 382
-
pensions
7 063
-
6 380
-
accident
593
-
535
-
unemployment
1 647
-
1 487
-
other
240
-
217
-
total
9 543
-
8 619
-
Corporate
-
27 000
-
-
income

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

-
4 049
-
-
total
-
4 049
-
-
Dividends
-
22 951
-
-
withholding
-
4 635
-
-
total
-
4 635
-
-
Income
27 000
27 000
27 000
27 000
Total tax
17 214
8 684
13 502
11 693
After tax
9 786
18 316
13 498
15 307
Living cost
22 261
22 261
22 261
22 261
Free-cash
-12 475
-3 945
-8 763
-6 954

Estimated living cost  is ₽22261 per week

₽15026
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2140
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽390
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.
₽4705
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
-₽9799
-₽5744
-₽6950
-₽1733
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
-
-
-
27 000
pensions

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

-
-
-
6 481
income
-
-
-
3 429
other
-
-
-
1 283
health
-
-
-
1 187
total
-
-
-
12 380
Employee
29 392
-
21 566
-
health
412
-
303
-
unemployment
293
-
215
-
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.

2 057
-
1 510
-
income
5 060
-
3 713
-
total
7 822
-
5 741
-
Employer
29 392
-
21 566
-
health
412
-
303
-
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.

4 997
-
3 665
-
accident
235
-
172
-
unemployment
293
-
215
-
other
1 470
-
1 078
-
total
7 407
-
5 433
-
Corporate
-
27 000
-
-
income
-
5 670
-
-
total
-
5 670
-
-
Dividends
-
21 330
-
-
withholding
-
1 493
-
-
total
-
1 493
-
-
Income
27 000
27 000
27 000
27 000
Total tax
15 229
7 163
11 174
12 380
After tax
11 771
19 837
15 826
14 620
Living cost
21 570
21 570
21 570
21 570
Free-cash
-9 799
-1 733
-5 744
-6 950

Estimated living cost  is ₽21570 per week

₽15241
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1456
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽347
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.
₽4526
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
₽8692
₽6418
₽5112
₽12456
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
-
-
-
27 000
pensions

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

-
-
-
3 996
unemployment
-
-
-
108
income
-
-
-
4 050
health
-
-
-
3 105
total
-
-
-
11 259
Employee
14 075
-
22 571
-
health
647
-
1 038
-
accident

We are using the highest rate at 1.1%.

155
-
249
-
pensions

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

1 236
-
1 981
-
income
1 407
-
2 257
-
total
3 445
-
5 525
-
Employer
14 075
-
22 571
-
health
971
-
1 557
-
pensions

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

1 551
-
2 487
-
accident

We are using the highest rate at 1.1%.

155
-
249
-
unemployment
84
-
135
-
total
2 761
-
4 428
-
Corporate
10 164
27 000
-
-
income
1 016
2 700
-
-
total
1 016
2 700
-
-
Dividends
9 147
24 300
-
-
withholding
457
1 215
-
-
total
457
1 215
-
-
Income
27 000
27 000
27 000
27 000
Total tax
7 679
3 915
9 953
11 259
After tax
19 321
23 085
17 047
15 741
Living cost
10 629
10 629
10 629
10 629
Free-cash
8 692
12 456
6 418
5 112

Estimated living cost  is ₽10629 per week

₽6206
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽759
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽282
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.
₽3383
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
-₽18466
-₽10379
-₽11073
-₽14088
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
-
-
-
27 000
income
-
-
-
235
other
-
-
-
837
health
-
-
-
234
social contributions
-
-
-
768
pensions
-
-
-
8 303
surtax
-
-
-
-
total
-
-
-
10 377
Employee
34 646
-
20 576
-
pensions
3 917
-
2 327
-
income
2 045
-
344
-
social contributions
988
-
587
-
surtax
-
-
-
-
total
6 950
-
3 258
-
Employer
34 646
-
20 576
-
health
2 426
-
1 441
-
social contributions
104
-
61
-
pensions
5 692
-
3 380
-
unemployment
1 403
-
833
-
other
1 195
-
710
-
total
10 820
-
6 425
-
Corporate
-
27 000
-
-
income
-
7 560
-
-
surtax
-
-
-
-
total
-
7 560
-
-
Dividends
-
19 440
-
-
social contributions
-
3 343
-
-
surtax
-
-
-
-
withholding
-
2 489
-
-
total
-
5 832
-
-
Income
27 000
27 000
27 000
27 000
Total tax
17 770
13 392
9 683
10 377
After tax
9 230
13 608
17 317
16 623
Living cost
27 696
27 696
27 696
27 696
Free-cash
-18 466
-14 088
-10 379
-11 073

Estimated living cost  is ₽27696 per week

₽17463
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2252
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽472
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.
₽7510
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
-₽53385
-₽53385
-₽18347
-₽48840
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
-
-
-
27 000
pensions
-
-
-
4 861
income
-
-
-
2 430
health
-
-
-
4 145
total
-
-
-
11 436
Employee
69 129
69 129
69 129
-
health
10 611
9 025
10 611
-
pensions
12 443
9 484
12 443
-
income

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

11 315
11 315
11 315
-
total
34 369
29 824
34 369
-
Employer
69 129
69 129
69 129
-
health
4 805
4 805
4 805
-
pensions
4 811
4 811
4 811
-
unemployment
2 489
2 489
2 489
-
total
12 105
12 105
12 105
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
27 000
27 000
27 000
27 000
Total tax
46 474
41 929
46 474
11 436
After tax
-19 474
-14 929
-19 474
15 564
Living cost
33 911
33 911
33 911
33 911
Free-cash
-53 385
-48 840
-53 385
-18 347

Estimated living cost  is ₽33911 per week

₽24032
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3057
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽539
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.
₽6283
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
-₽3962
-₽4509
-₽4509
-₽10710
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.

-
-
-
27 000
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.

-
-
-
1 383
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.

-
-
-
5 530
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.

-
-
-
77
total
-
-
-
6 990
Employee

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

30 962
-
27 000
-
health

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

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

5 530
-
5 530
-
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.

865
-
1 383
-
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.

48
-
77
-
total
6 443
-
6 990
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
27 000
-
-
income
-
4 049
-
-
trade
-
4 252
-
-
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.

-
223
-
-
chamber of commerce
-
161
-
-
total
-
8 685
-
-
Dividends
-
18 314
-
-
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.

-
235
-
-
withholding
-
4 271
-
-
total
-
4 506
-
-
Income
27 000
27 000
27 000
27 000
Total tax
6 443
13 191
6 990
6 990
After tax
20 557
13 809
20 010
20 010
Living cost
24 519
24 519
24 519
24 519
Free-cash
-3 962
-10 710
-4 509
-4 509

Estimated living cost  is ₽24519 per week

₽15423
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2859
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.
₽5779
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
-₽4232
-₽3573
₽2672
-₽10046
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
-
-
-
30 774
income
-
-
-
-
health
-
-
-
785
social contributions
-
-
-
4 801
total
-
-
-
5 586
Employee
62 247
62 247
62 247
-
health
482
1 058
416
-
income
6 778
5 762
6 894
-
social contributions
2 353
5 166
2 034
-
total
9 613
11 986
9 344
-
Employer
62 247
62 247
62 247
-
health
524
1 152
453
-
social contributions
2 353
5 166
2 034
-
total
2 877
6 318
2 487
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
27 000
27 000
27 000
27 000
Total tax
12 490
18 304
11 831
5 586
After tax
14 510
8 696
15 169
21 414
Living cost
18 742
18 742
18 742
18 742
Free-cash
-4 232
-10 046
-3 573
2 672

Estimated living cost  is ₽18742 per week

₽11233
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1839
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽415
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.
₽5257
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
-₽19073
-₽9678
-₽9351
-₽10035
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.

-
-
-
27 000
income
-
-
-
1 576
social contributions

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

-
-
-
9 383
surtax
-
-
-
-
total
-
-
-
10 959
Employee
37 231
-
21 818
-
income
7 744
-
3 704
-
social contributions
4 095
-
2 400
-
surtax
-
-
-
-
total
11 839
-
6 104
-
Employer
37 231
-
21 818
-
social contributions
8 842
-
5 182
-
total
8 842
-
5 182
-
Corporate
-
27 000
-
-
income
-
5 670
-
-
surtax
-
-
-
-
total
-
5 670
-
-
Dividends
-
21 330
-
-
withholding
-
5 973
-
-
total
-
5 973
-
-
Income
27 000
27 000
27 000
27 000
Total tax
20 681
11 643
11 286
10 959
After tax
6 319
15 357
15 714
16 041
Living cost
25 392
25 392
25 392
25 392
Free-cash
-19 073
-10 035
-9 678
-9 351

Estimated living cost  is ₽25392 per week

₽18998
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1498
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽424
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.
₽4472
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
₽18469
₽15553
₽20683
₽19603
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%.

-
-
-
27 000
microenterprise

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

-
-
-
270
total
-
-
-
270
Employee
7 559
-
27 000
-
income
1 512
-
5 400
-
total
1 512
-
5 400
-
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%.

19 441
27 000
-
-
total
-
-
-
-
Dividends
19 441
27 000
-
-
withholding
972
1 350
-
-
total
972
1 350
-
-
Income
27 000
27 000
27 000
27 000
Total tax
2 484
1 350
5 400
270
After tax
24 516
25 650
21 600
26 730
Living cost
6 047
6 047
6 047
6 047
Free-cash
18 469
19 603
15 553
20 683

Estimated living cost  is ₽6047 per week

₽3748
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽503
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽166
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.
₽1631
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
-₽14372
-₽7071
-₽6215
-₽3123
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.

-
-
-
27 000
pensions
-
-
-
4 931
unemployment
-
-
-
40
income
-
-
-
3 875
health
-
-
-
2 656
total
-
-
-
11 502
Employee

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

35 797
-
23 362
-
health
2 312
-
1 509
-
unemployment
51
-
32
-
pensions
5 549
-
3 621
-
income
6 173
-
3 558
-
total
14 085
-
8 720
-
Employer

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

35 797
-
23 362
-
health
2 384
-
1 556
-
pensions
3 168
-
2 068
-
unemployment
22
-
14
-
total
5 574
-
3 638
-
Corporate
-
27 000
-
-
income
-
5 129
-
-
total
-
5 129
-
-
Dividends
-
21 871
-
-
withholding
-
3 281
-
-
total
-
3 281
-
-
Income
27 000
27 000
27 000
27 000
Total tax
19 659
8 410
12 358
11 502
After tax
7 341
18 590
14 642
15 498
Living cost
21 713
21 713
21 713
21 713
Free-cash
-14 372
-3 123
-7 071
-6 215

Estimated living cost  is ₽21713 per week

₽14901
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1392
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽421
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.
₽5000
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
-₽16272
-₽8516
-₽30553
-₽14469
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.

-
-
-
27 000
income
-
-
-
23 043
health

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

-
-
-
5 125
total
-
-
-
28 168
Employee
37 135
-
24 541
-
social contributions
3 721
-
2 458
-
income
4 029
-
1 215
-
total
7 750
-
3 673
-
Employer
37 135
-
24 541
-
social contributions
3 721
-
2 458
-
total
3 721
-
2 458
-
Corporate
-
27 000
-
-
income
-
9 451
-
-
total
-
9 451
-
-
Dividends
-
17 549
-
-
social contributions
2 416
2 633
-
-
total
2 416
2 633
-
-
Income
27 000
27 000
27 000
27 000
Total tax
13 887
12 084
6 131
28 168
After tax
13 113
14 916
20 869
-1 168
Living cost
29 385
29 385
29 385
29 385
Free-cash
-16 272
-14 469
-8 516
-30 553

Estimated living cost  is ₽29385 per week

₽19356
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2317
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽450
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.
₽7262
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
-₽2573
-₽250
₽176
-₽692
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
-
-
-
27 000
income
-
-
-
4 049
health
-
-
-
1 885
social contributions
-
-
-
3 725
total
-
-
-
9 659
Employee
27 447
-
27 000
-
health
1 916
-
1 885
-
income
4 578
-
4 475
-
social contributions
3 788
-
3 725
-
total
10 282
-
10 085
-
Employer
27 447
-
27 000
-
total
-
-
-
-
Corporate
-
27 000
-
-
income

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

-
1 350
-
-
total
-
1 350
-
-
Dividends
-
25 650
-
-
social contributions
1 412
3 539
-
-
withholding
-
3 848
-
-
health
714
1 790
-
-
total
2 126
9 177
-
-
Income
27 000
27 000
27 000
27 000
Total tax
12 408
10 527
10 085
9 659
After tax
14 592
16 473
16 915
17 341
Living cost
17 165
17 165
17 165
17 165
Free-cash
-2 573
-692
-250
176

Estimated living cost  is ₽17165 per week

₽11488
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1058
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽395
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.
₽4223
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
-₽17578
-₽8920
-₽9472
-₽4032
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
-
-
-
27 000
income
-
-
-
2 321
health
-
-
-
3 645
social contributions
-
-
-
7 884
solidarity contribution
-
-
-
-
total
-
-
-
13 850
Employee
33 268
-
20 149
-
health
4 491
-
2 720
-
solidarity contribution
-
-
-
-
income
3 992
-
2 418
-
social contributions
2 162
-
1 310
-
total
10 645
-
6 448
-
Employer
33 268
-
20 149
-
health
2 994
-
1 813
-
social contributions
8 317
-
5 037
-
total
11 311
-
6 850
-
Corporate
-
27 000
-
-
income
-
5 130
-
-
total
-
5 130
-
-
Dividends
-
21 870
-
-
withholding
-
3 280
-
-
total
-
3 280
-
-
Income
27 000
27 000
27 000
27 000
Total tax
21 956
8 410
13 298
13 850
After tax
5 044
18 590
13 702
13 150
Living cost
22 622
22 622
22 622
22 622
Free-cash
-17 578
-4 032
-8 920
-9 472

Estimated living cost  is ₽22622 per week

₽16823
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1253
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.
₽4154
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
₽14460
₽12177
₽17307
₽16227
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%.

-
-
-
27 000
microenterprise

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

-
-
-
270
total
-
-
-
270
Employee
11 779
-
27 000
-
income
2 356
-
5 400
-
total
2 356
-
5 400
-
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%.

15 221
27 000
-
-
total
-
-
-
-
Dividends
15 221
27 000
-
-
withholding
761
1 350
-
-
total
761
1 350
-
-
Income
27 000
27 000
27 000
27 000
Total tax
3 117
1 350
5 400
270
After tax
23 883
25 650
21 600
26 730
Living cost
9 423
9 423
9 423
9 423
Free-cash
14 460
16 227
12 177
17 307

Estimated living cost  is ₽9423 per week

₽6377
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽396
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽316
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.
₽2335
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
-₽39537
-₽21781
-₽22475
-₽25490
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
-
-
-
27 000
income
-
-
-
235
other
-
-
-
837
health
-
-
-
234
social contributions
-
-
-
768
pensions
-
-
-
8 303
surtax
-
-
-
-
total
-
-
-
10 377
Employee
50 701
-
20 576
-
pensions
5 735
-
2 327
-
income
4 424
-
344
-
social contributions
1 444
-
587
-
surtax
-
-
-
-
total
11 603
-
3 258
-
Employer
50 701
-
20 576
-
health
3 549
-
1 441
-
social contributions
152
-
61
-
pensions
8 331
-
3 380
-
unemployment
2 054
-
833
-
other
1 750
-
710
-
total
15 836
-
6 425
-
Corporate
-
27 000
-
-
income
-
7 560
-
-
surtax
-
-
-
-
total
-
7 560
-
-
Dividends
-
19 440
-
-
social contributions
-
3 343
-
-
surtax
-
-
-
-
withholding
-
2 489
-
-
total
-
5 832
-
-
Income
27 000
27 000
27 000
27 000
Total tax
27 439
13 392
9 683
10 377
After tax
-439
13 608
17 317
16 623
Living cost
39 098
39 098
39 098
39 098
Free-cash
-39 537
-25 490
-21 781
-22 475

Estimated living cost  is ₽39098 per week

₽26461
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3198
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽536
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.
₽8902
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
₽1590
₽1121
-₽42
₽5558
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.

-
-
-
27 000
pensions
-
-
-
7 020
unemployment
-
-
-
405
income
-
-
-
2 886
health
-
-
-
2 781
total
-
-
-
13 092
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.

21 035
-
22 901
-
health
1 083
-
1 179
-
unemployment
158
-
172
-
pensions
2 945
-
3 206
-
income
2 899
-
3 273
-
total
7 085
-
7 830
-
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.

21 035
-
22 901
-
health
1 083
-
1 179
-
pensions
2 524
-
2 748
-
unemployment
158
-
172
-
total
3 765
-
4 099
-
Corporate
2 200
27 000
-
-
income
330
4 050
-
-
total
330
4 050
-
-
Dividends
1 870
22 950
-
-
withholding
280
3 442
-
-
total
280
3 442
-
-
Income
27 000
27 000
27 000
27 000
Total tax
11 460
7 492
11 929
13 092
After tax
15 540
19 508
15 071
13 908
Living cost
13 950
13 950
13 950
13 950
Free-cash
1 590
5 558
1 121
-42

Estimated living cost  is ₽13950 per week

₽9392
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1079
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽404
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.
₽3075
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
-₽45259
-₽35316
-₽33248
-₽44030
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
-
-
-
27 000
pensions
-
-
-
2 483
city
-
-
-
284
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.

-
-
-
540
health
-
-
-
184
regional
-
-
-
359
national
-
-
-
22
total
-
-
-
3 872
Employee
65 974
-
23 791
-
health
149
-
54
-
unemployment
-
-
-
-
city
708
-
250
-
pensions
5 543
-
2 417
-
regional
2 160
-
272
-
national
312
-
-
-
total
8 872
-
2 993
-
Employer
65 974
-
23 791
-
health
149
-
54
-
pensions
5 543
-
2 417
-
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.

1 319
-
476
-
total
7 011
-
2 947
-
Corporate
-
27 000
-
-
regional
-
5 711
-
-
national
-
2 295
-
-
total
-
8 006
-
-
Dividends
-
18 994
-
-
withholding
-
6 648
-
-
total
-
6 648
-
-
Income
27 000
27 000
27 000
27 000
Total tax
15 883
14 654
5 940
3 872
After tax
11 117
12 346
21 060
23 128
Living cost
56 376
56 376
56 376
56 376
Free-cash
-45 259
-44 030
-35 316
-33 248

Estimated living cost  is ₽56376 per week

₽36660
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5059
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽692
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.
₽13964
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
-₽23626
-₽13998
-₽9002
-₽12395
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

-
-
-
27 000
municipal
-
-
-
4 845
health
-
-
-
78
national
-
-
-
-
total
-
-
-
4 923
Employee
42 590
-
22 714
-
health
318
-
12
-
unemployment
639
-
341
-
pensions
2 874
-
1 533
-
national
704
-
-
-
municipal
6 976
-
3 748
-
total
11 511
-
5 634
-
Employer
42 590
-
22 714
-
health
327
-
175
-
pensions
7 389
-
3 940
-
accident
43
-
23
-
unemployment
277
-
147
-
total
8 036
-
4 285
-
Corporate
-
27 000
-
-
income
-
5 400
-
-
total
-
5 400
-
-
Dividends

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

-
16 200
-
-
municipal
-
2 916
-
-
national
-
-
-
-
total
-
2 916
-
-
Income
27 000
27 000
27 000
27 000
Total tax
19 547
8 316
9 919
4 923
After tax
7 453
18 684
17 081
22 077
Living cost
31 079
31 079
31 079
31 079
Free-cash
-23 626
-12 395
-13 998
-9 002

Estimated living cost  is ₽31079 per week

₽20301
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2989
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.
₽7295
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
-₽47762
-₽16972
-₽12583
-₽14176
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
-
-
-
27 000
communal

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

-
-
-
1 542
social contributions
-
-
-
1 298
national
-
-
-
7 227
total
-
-
-
10 067
Employee

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

57 905
-
20 912
-
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.

2 721
-
983
-
communal

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

3 020
-
1 091
-
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.

504
-
181
-
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.

4 343
-
1 568
-
national
17 802
-
4 544
-
total
28 390
-
8 367
-
Employer

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

57 905
-
20 912
-
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.

3 561
-
1 286
-
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.

5 131
-
1 853
-
surtax
6 566
-
2 372
-
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.

753
-
272
-
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.

845
-
306
-
total
16 856
-
6 089
-
Corporate
-
27 000
-
-
income
-
5 400
-
-
surtax
-
108
-
-
total
-
5 508
-
-
Dividends
-
21 493
-
-
withholding

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

-
6 152
-
-
total
-
6 152
-
-
Income
27 000
27 000
27 000
27 000
Total tax
45 246
11 660
14 456
10 067
After tax
-18 246
15 340
12 544
16 933
Living cost
29 516
29 516
29 516
29 516
Free-cash
-47 762
-14 176
-16 972
-12 583

Estimated living cost  is ₽29516 per week

₽19012
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2581
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽462
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7461
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
-₽38367
-₽20487
-₽21447
-₽20164
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
-
-
-
27 000
unemployment
-
-
-
27
municipal
-
-
-
5 719
other
-
-
-
3 137
health
-
-
-
1 685
national
-
-
-
-
accident
-
-
-
54
pensions
-
-
-
2 919
total
-
-
-
13 541
Employee
49 738
-
20 545
-
national
-
-
-
-
municipal
14 832
-
6 126
-
total
14 832
-
6 126
-
Employer
49 738
-
20 545
-
health
3 059
-
1 264
-
pensions
5 377
-
2 221
-
accident
100
-
41
-
unemployment
1 313
-
542
-
other
5 780
-
2 387
-
total
15 629
-
6 455
-
Corporate
-
27 000
-
-
income
-
5 940
-
-
total
-
5 940
-
-
Dividends
-
21 060
-
-
withholding
-
6 318
-
-
total
-
6 318
-
-
Income
27 000
27 000
27 000
27 000
Total tax
30 461
12 258
12 581
13 541
After tax
-3 461
14 742
14 419
13 459
Living cost
34 906
34 906
34 906
34 906
Free-cash
-38 367
-20 164
-20 487
-21 447

Estimated living cost  is ₽34906 per week

₽23135
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3425
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽530
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.
₽7817
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
-₽105664
-₽23950
-₽19732
-₽21964
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
-
-
-
27 000
income
-
-
-
5 263
social contributions
-
-
-
3 078
total
-
-
-
8 341
Employee
55 047
-
4 527
-
income
12 142
-
854
-
social contributions
4 514
-
643
-
total
16 656
-
1 497
-
Employer
55 047
-
4 527
-
social contributions
77 617
-
11 062
-
total
77 617
-
11 062
-
Corporate
-
27 000
-
-
income
-
5 940
-
-
total
-
5 940
-
-
Dividends
-
21 060
-
-
income
-
4 633
-
-
total
-
4 633
-
-
Income
27 000
27 000
27 000
27 000
Total tax
94 273
10 573
12 559
8 341
After tax
-67 273
16 427
14 441
18 659
Living cost
38 391
38 391
38 391
38 391
Free-cash
-105 664
-21 964
-23 950
-19 732

Estimated living cost  is ₽38391 per week

₽24910
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3611
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽489
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.
₽9381
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
-₽13136
-₽11087
-₽4842
-₽17560
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
-
-
-
30 774
income
-
-
-
-
health
-
-
-
785
social contributions
-
-
-
4 801
total
-
-
-
5 586
Employee
62 247
62 247
62 247
-
health
619
1 058
416
-
income
6 537
5 762
6 894
-
social contributions
3 025
5 166
2 034
-
total
10 181
11 986
9 344
-
Employer
62 247
62 247
62 247
-
health
674
1 152
453
-
social contributions
3 025
5 166
2 034
-
total
3 699
6 318
2 487
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
27 000
27 000
27 000
27 000
Total tax
13 880
18 304
11 831
5 586
After tax
13 120
8 696
15 169
21 414
Living cost
26 256
26 256
26 256
26 256
Free-cash
-13 136
-17 560
-11 087
-4 842

Estimated living cost  is ₽26256 per week

₽17949
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2051
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽441
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5816
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
-₽17485
-₽10391
-₽8238
-₽8705
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
-
-
-
27 000
income
-
-
-
5 174
pensions
-
-
-
1 129
total
-
-
-
6 303
Employee
39 717
-
24 605
-
health
518
-
208
-
pensions
3 031
-
1 218
-
income
7 233
-
4 635
-
total
10 782
-
6 061
-
Employer
39 717
-
24 605
-
health
755
-
468
-
pensions
4 013
-
1 927
-
total
4 768
-
2 395
-
Corporate
-
27 000
-
-
income

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

-
5 130
-
-
total
-
5 130
-
-
Dividends
-
21 870
-
-
withholding
-
1 640
-
-
total
-
1 640
-
-
Income
27 000
27 000
27 000
27 000
Total tax
15 550
6 770
8 456
6 303
After tax
11 450
20 230
18 544
20 697
Living cost
28 935
28 935
28 935
28 935
Free-cash
-17 485
-8 705
-10 391
-8 238

Estimated living cost  is ₽28935 per week

₽19849
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2661
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽362
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.
₽6061
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
-₽41215
-₽18940
-₽17334
-₽18027
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
-
-
-
27 000
municipal
-
-
-
180
regional
-
-
-
347
social contributions
-
-
-
6 945
national
-
-
-
4 613
total
-
-
-
12 085
Employee
68 214
-
27 000
-
social contributions
23 001
-
9 105
-
regional
1 030
-
310
-
national
11 528
-
4 115
-
municipal
407
-
161
-
total
35 966
-
13 691
-
Employer
68 214
-
27 000
-
total
-
-
-
-
Corporate
-
27 000
-
-
nationa
-
6 480
-
-
municipal
-
1 301
-
-
total
-
7 781
-
-
Dividends
-
19 219
-
-
withholding
-
4 997
-
-
total
-
4 997
-
-
Income
27 000
27 000
27 000
27 000
Total tax
35 966
12 778
13 691
12 085
After tax
-8 966
14 222
13 309
14 915
Living cost
32 249
32 249
32 249
32 249
Free-cash
-41 215
-18 027
-18 940
-17 334

Estimated living cost  is ₽32249 per week

₽22653
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2218
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽487
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.
₽6890
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
-₽5470
-₽2888
₽595
-₽14960
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
-
-
-
27 000
pensions
-
-
-
3 243
income
-
-
-
3 829
other
-
-
-
289
health
-
-
-
1 700
accident
-
-
-
197
total
-
-
-
9 258
Employee
26 974
-
22 428
-
health
3 088
-
2 568
-
pensions
3 037
-
2 525
-
income
3 701
-
3 077
-
total
9 826
-
8 170
-
Employer
26 974
-
22 428
-
pensions
4 386
-
3 647
-
accident
450
-
374
-
unemployment
661
-
550
-
total
5 497
-
4 571
-
Corporate
-
27 000
-
-
income

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

-
24 300
-
-
total
-
24 300
-
-
Dividends
-
2 700
-
-
withholding
-
513
-
-
total
-
513
-
-
Income
27 000
27 000
27 000
27 000
Total tax
15 323
24 813
12 741
9 258
After tax
11 677
2 187
14 259
17 742
Living cost
17 147
17 147
17 147
17 147
Free-cash
-5 470
-14 960
-2 888
595

Estimated living cost  is ₽17147 per week

₽12568
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽950
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽358
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.
₽3272
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
-₽13278
-₽11243
-₽11243
-₽17166
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.

-
-
-
27 000
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.

-
-
-
1 383
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.

-
-
-
5 530
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.

-
-
-
77
total
-
-
-
6 990
Employee

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

40 278
-
27 000
-
health

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

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

5 530
-
5 530
-
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.

3 312
-
1 383
-
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.

183
-
77
-
total
9 025
-
6 990
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
27 000
-
-
income
-
4 049
-
-
trade
-
3 874
-
-
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.

-
223
-
-
chamber of commerce
-
163
-
-
total
-
8 309
-
-
Dividends
-
18 691
-
-
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.

-
240
-
-
withholding
-
4 364
-
-
total
-
4 604
-
-
Income
27 000
27 000
27 000
27 000
Total tax
9 025
12 913
6 990
6 990
After tax
17 975
14 087
20 010
20 010
Living cost
31 253
31 253
31 253
31 253
Free-cash
-13 278
-17 166
-11 243
-11 243

Estimated living cost  is ₽31253 per week

₽21559
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3363
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽453
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5877
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
-₽2352
-₽1348
₽3561
₽4759
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.

-
-
-
27 000
income
-
-
-
-
microenterprise
-
-
-
4 049
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.

-
-
-
2 549
surtax
-
-
-
-
total
-
-
-
6 598
Employee
23 654
-
21 759
-
income
4 211
-
3 873
-
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.

2 602
-
2 393
-
surtax
-
-
-
-
total
6 813
-
6 266
-
Employer
23 654
-
21 759
-
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.

5 698
-
5 241
-
surtax
-
-
-
-
total
5 698
-
5 241
-
Corporate
-
27 000
-
-
income

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

-
5 400
-
-
total
-
5 400
-
-
Dividends

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

-
21 600
-
-
total
-
-
-
-
Income
27 000
27 000
27 000
27 000
Total tax
12 511
5 400
11 507
6 598
After tax
14 489
21 600
15 493
20 402
Living cost
16 841
16 841
16 841
16 841
Free-cash
-2 352
4 759
-1 348
3 561

Estimated living cost  is ₽16841 per week

₽10744
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1604
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽383
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4111
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
₽5276
₽4282
₽3516
₽6908
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
-
-
-
27 000
income
-
-
-
4 229
health
-
-
-
3 915
pensions
-
-
-
5 400
total
-
-
-
13 544
Employee
15 139
-
22 041
-
health
757
-
1 102
-
unemployment
151
-
220
-
pensions
1 362
-
1 984
-
income
2 929
-
4 513
-
total
5 199
-
7 819
-
Employer
15 139
-
22 041
-
health
1 438
-
2 094
-
pensions
1 665
-
2 424
-
unemployment
303
-
441
-
total
3 406
-
4 959
-
Corporate
8 454
27 000
-
-
income
1 860
5 940
-
-
total
1 860
5 940
-
-
Dividends
6 594
21 060
-
-
withholding
1 319
4 212
-
-
total
1 319
4 212
-
-
Income
27 000
27 000
27 000
27 000
Total tax
11 784
10 152
12 778
13 544
After tax
15 216
16 848
14 222
13 456
Living cost
9 940
9 940
9 940
9 940
Free-cash
5 276
6 908
4 282
3 516

Estimated living cost  is ₽9940 per week

₽5907
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽806
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽228
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.
₽2999
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
-₽6001
-₽3230
-₽2606
-₽1199
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
-
-
-
27 000
pensions
-
-
-
5 400
unemployment
-
-
-
184
income
-
-
-
3 900
other
-
-
-
-
health
-
-
-
1 917
surtax
-
-
-
23
total
-
-
-
11 424
Employee
27 261
-
22 305
-
health
696
-
568
-
unemployment
1 897
-
1 553
-
pensions
1 819
-
1 487
-
income
4 570
-
3 739
-
other
-
-
-
-
surtax
97
-
6
-
total
9 079
-
7 353
-
Employer
27 261
-
22 305
-
health
1 240
-
1 014
-
pensions
3 635
-
2 974
-
unemployment
865
-
707
-
other
-
-
-
-
total
5 740
-
4 695
-
Corporate
-
27 000
-
-
income
-
7 020
-
-
total
-
7 020
-
-
Dividends
-
19 980
-
-
withholding
-
2 997
-
-
total
-
2 997
-
-
Income
27 000
27 000
27 000
27 000
Total tax
14 819
10 017
12 048
11 424
After tax
12 181
16 983
14 952
15 576
Living cost
18 182
18 182
18 182
18 182
Free-cash
-6 001
-1 199
-3 230
-2 606

Estimated living cost  is ₽18182 per week

₽10978
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1581
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.
₽5203
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
-₽19338
-₽16530
-₽10961
-₽17102
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
-
-
-
27 000
pensions
-
-
-
4 996
chamber of commerce
-
-
-
108