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
-₽11263
-₽8768
-₽5748
-₽15697
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
-
-
-
3 591
accident
-
-
-
243
unemployment
-
-
-
189
pensions
-
-
-
7 640
other
-
-
-
27
total
-
-
-
11 690
Employee
32 377
-
17 678
-
other
32
-
30
-
income
6 242
-
3 006
-
unemployment
502
-
454
-
pensions
1 522
-
1 374
-
total
8 298
-
4 864
-
Employer
32 377
-
17 678
-
unemployment
1 781
-
1 608
-
pensions
7 640
-
6 901
-
other
259
-
234
-
accident
641
-
578
-
total
10 321
-
9 321
-
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
-
4 621
-
-
total
-
4 621
-
-
Income
27 000
27 000
27 000
27 000
Total tax
18 619
8 670
14 185
11 690
After tax
8 381
18 330
12 815
15 310
Living cost
24 078
24 078
24 078
24 078
Free-cash
-15 697
-5 748
-11 263
-8 768

Estimated living cost  is ₽24078 per week

₽16253
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2315
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.
₽5090
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
-₽7505
-₽8713
-₽3496
-₽12803
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
-
-
-
3 430
health
-
-
-
1 188
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.

-
-
-
6 480
other
-
-
-
1 283
total
-
-
-
12 381
Employee
31 793
-
21 566
-
income
5 473
-
3 712
-
health
445
-
302
-
unemployment
317
-
216
-
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.

2 225
-
1 509
-
total
8 460
-
5 739
-
Employer
31 793
-
21 566
-
unemployment
317
-
216
-
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.

5 405
-
3 666
-
other
1 590
-
1 077
-
accident
254
-
173
-
health
445
-
302
-
total
8 011
-
5 434
-
Corporate
-
27 000
-
-
income
-
5 670
-
-
total
-
5 670
-
-
Dividends
-
21 330
-
-
withholding
-
1 494
-
-
total
-
1 494
-
-
Income
27 000
27 000
27 000
27 000
Total tax
16 471
7 164
11 173
12 381
After tax
10 529
19 836
15 827
14 619
Living cost
23 332
23 332
23 332
23 332
Free-cash
-12 803
-3 496
-7 505
-8 713

Estimated living cost  is ₽23332 per week

₽16485
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1575
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.
₽4895
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
₽5566
₽4260
₽11604
₽7538
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
-
-
-
4 050
health
-
-
-
3 105
unemployment
-
-
-
108
pensions

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

-
-
-
3 996
total
-
-
-
11 259
Employee
15 202
-
22 572
-
income
1 520
-
2 257
-
health
699
-
1 038
-
accident

We are using the highest rate at 1.1%.

167
-
248
-
pensions

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

1 335
-
1 982
-
total
3 721
-
5 525
-
Employer
15 202
-
22 572
-
unemployment
91
-
135
-
pensions

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

1 675
-
2 488
-
accident

We are using the highest rate at 1.1%.

167
-
248
-
health
1 049
-
1 557
-
total
2 982
-
4 428
-
Corporate
8 815
27 000
-
-
income
881
2 700
-
-
total
881
2 700
-
-
Dividends
7 934
24 300
-
-
withholding
397
1 215
-
-
total
397
1 215
-
-
Income
27 000
27 000
27 000
27 000
Total tax
7 981
3 915
9 953
11 259
After tax
19 019
23 085
17 047
15 741
Living cost
11 481
11 481
11 481
11 481
Free-cash
7 538
11 604
5 566
4 260

Estimated living cost  is ₽11481 per week

₽6703
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽820
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.
₽3654
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
-₽12464
-₽13251
-₽16347
-₽22178
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
-
-
-
47
social contributions
-
-
-
769
health
-
-
-
234
surtax
-
-
-
-
pensions
-
-
-
8 406
other
-
-
-
837
total
-
-
-
10 293
Employee
37 475
-
20 574
-
income
2 212
-
169
-
social contributions
1 068
-
587
-
surtax
-
-
-
-
pensions
4 237
-
2 326
-
total
7 517
-
3 082
-
Employer
37 475
-
20 574
-
unemployment
1 517
-
832
-
social contributions
113
-
61
-
pensions
6 156
-
3 380
-
other
1 293
-
710
-
health
2 624
-
1 441
-
total
11 703
-
6 424
-
Corporate
-
27 000
-
-
income
-
7 560
-
-
surtax
-
-
-
-
total
-
7 560
-
-
Dividends
-
19 440
-
-
withholding
-
2 487
-
-
surtax
-
-
-
-
social contributions
-
3 342
-
-
total
-
5 829
-
-
Income
27 000
27 000
27 000
27 000
Total tax
19 220
13 389
9 506
10 293
After tax
7 780
13 611
17 494
16 707
Living cost
29 958
29 958
29 958
29 958
Free-cash
-22 178
-16 347
-12 464
-13 251

Estimated living cost  is ₽29958 per week

₽18890
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2436
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.
₽8124
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
-₽59950
-₽21114
-₽55035
-₽59950
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
-
-
-
2 429
health
-
-
-
4 144
pensions
-
-
-
4 860
total
-
-
-
11 433
Employee
74 774
74 774
74 774
-
income

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

12 239
12 239
12 239
-
health
11 477
9 762
11 477
-
pensions
13 459
10 259
13 459
-
total
37 175
32 260
37 175
-
Employer
74 774
74 774
74 774
-
unemployment
2 692
2 692
2 692
-
pensions
5 204
5 204
5 204
-
health
5 198
5 198
5 198
-
total
13 094
13 094
13 094
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Income
27 000
27 000
27 000
27 000
Total tax
50 269
45 354
50 269
11 433
After tax
-23 269
-18 354
-23 269
15 567
Living cost
36 681
36 681
36 681
36 681
Free-cash
-59 950
-55 035
-59 950
-21 114

Estimated living cost  is ₽36681 per week

₽25995
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3307
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.
₽6796
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
-₽6566
-₽6566
-₽12694
-₽6492
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
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.

-
-
-
1 007
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.

-
-
-
5 982
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.

-
-
-
55
total
-
-
-
7 044
Employee

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

33 491
-
27 000
-
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.

936
-
1 007
-
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.

5 982
-
5 982
-
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.

52
-
55
-
total
6 970
-
7 044
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
27 000
-
-
chamber of commerce
-
171
-
-
income
-
4 049
-
-
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
-
-
trade
-
4 252
-
-
total
-
8 695
-
-
Dividends
-
18 305
-
-
withholding
-
4 244
-
-
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.

-
233
-
-
total
-
4 477
-
-
Income
27 000
27 000
27 000
27 000
Total tax
6 970
13 172
7 044
7 044
After tax
20 030
13 828
19 956
19 956
Living cost
26 522
26 522
26 522
26 522
Free-cash
-6 492
-12 694
-6 566
-6 566

Estimated living cost  is ₽26522 per week

₽16683
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3092
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.
₽6251
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
-₽5729
₽685
-₽13073
-₽6785
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
-
-
-
33 287
income
-
-
-
-
social contributions
-
-
-
5 193
health
-
-
-
849
total
-
-
-
6 042
Employee
67 331
67 331
67 331
-
income
7 331
6 233
7 517
-
social contributions
2 546
5 588
2 034
-
health
522
1 145
417
-
total
10 399
12 966
9 968
-
Employer
67 331
67 331
67 331
-
social contributions
2 546
5 588
2 034
-
health
567
1 246
454
-
total
3 113
6 834
2 488
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
27 000
27 000
27 000
27 000
Total tax
13 512
19 800
12 456
6 042
After tax
13 488
7 200
14 544
20 958
Living cost
20 273
20 273
20 273
20 273
Free-cash
-6 785
-13 073
-5 729
685

Estimated living cost  is ₽20273 per week

₽12150
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1989
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽449
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5686
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
-₽11600
-₽11423
-₽12107
-₽22836
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
-
-
-
1 575
social contributions

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

-
-
-
9 383
surtax
-
-
-
-
total
-
-
-
10 958
Employee
40 272
-
21 817
-
income
8 377
-
3 555
-
social contributions
4 430
-
2 399
-
surtax
-
-
-
-
total
12 807
-
5 954
-
Employer
40 272
-
21 817
-
social contributions
9 564
-
5 181
-
total
9 564
-
5 181
-
Corporate
-
27 000
-
-
income
-
5 670
-
-
surtax
-
-
-
-
total
-
5 670
-
-
Dividends
-
21 330
-
-
withholding
-
5 972
-
-
total
-
5 972
-
-
Income
27 000
27 000
27 000
27 000
Total tax
22 371
11 642
11 135
10 958
After tax
4 629
15 358
15 865
16 042
Living cost
27 465
27 465
27 465
27 465
Free-cash
-22 836
-12 107
-11 600
-11 423

Estimated living cost  is ₽27465 per week

₽20550
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1620
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽459
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.
₽4837
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
₽15313
₽20443
₽19363
₽18184
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
7 859
-
27 000
-
income
1 572
-
5 400
-
total
1 572
-
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%.

19 141
27 000
-
-
total
-
-
-
-
Dividends
19 141
27 000
-
-
withholding
957
1 350
-
-
total
957
1 350
-
-
Income
27 000
27 000
27 000
27 000
Total tax
2 529
1 350
5 400
270
After tax
24 471
25 650
21 600
26 730
Living cost
6 287
6 287
6 287
6 287
Free-cash
18 184
19 363
15 313
20 443

Estimated living cost  is ₽6287 per week

₽3896
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽523
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
-₽8733
-₽7877
-₽4896
-₽17749
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
income
-
-
-
3 764
health
-
-
-
2 657
unemployment
-
-
-
40
pensions
-
-
-
4 930
total
-
-
-
11 391
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.

38 720
-
23 364
-
income
6 677
-
3 449
-
health
2 501
-
1 509
-
unemployment
55
-
33
-
pensions
6 002
-
3 621
-
total
15 235
-
8 612
-
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.

38 720
-
23 364
-
unemployment
23
-
13
-
pensions
3 426
-
2 067
-
health
2 579
-
1 555
-
total
6 028
-
3 635
-
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
21 263
8 410
12 247
11 391
After tax
5 737
18 590
14 753
15 609
Living cost
23 486
23 486
23 486
23 486
Free-cash
-17 749
-4 896
-8 733
-7 877

Estimated living cost  is ₽23486 per week

₽16118
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1505
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.
₽5409
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
-₽10747
-₽35421
-₽16867
-₽19807
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
-
-
-
24 925
health

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

-
-
-
5 711
total
-
-
-
30 636
Employee
40 168
-
24 541
-
social contributions
4 025
-
2 459
-
income
4 358
-
1 044
-
total
8 383
-
3 503
-
Employer
40 168
-
24 541
-
social contributions
4 025
-
2 459
-
total
4 025
-
2 459
-
Corporate
-
27 000
-
-
income
-
9 450
-
-
total
-
9 450
-
-
Dividends
-
17 550
-
-
social contributions
2 614
2 632
-
-
total
2 614
2 632
-
-
Income
27 000
27 000
27 000
27 000
Total tax
15 022
12 082
5 962
30 636
After tax
11 978
14 918
21 038
-3 636
Living cost
31 785
31 785
31 785
31 785
Free-cash
-19 807
-16 867
-10 747
-35 421

Estimated living cost  is ₽31785 per week

₽20937
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2506
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.
₽7855
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
-₽1510
-₽1225
-₽2093
-₽4989
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
social contributions
-
-
-
3 725
health
-
-
-
1 884
total
-
-
-
9 658
Employee
29 689
-
27 000
-
income
4 952
-
4 334
-
social contributions
4 098
-
3 725
-
health
2 072
-
1 884
-
total
11 122
-
9 943
-
Employer
29 689
-
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%.

-
1 349
-
-
total
-
1 349
-
-
Dividends
-
25 651
-
-
withholding
-
3 848
-
-
health
773
1 790
-
-
social contributions
1 527
3 539
-
-
total
2 300
9 177
-
-
Income
27 000
27 000
27 000
27 000
Total tax
13 422
10 526
9 943
9 658
After tax
13 578
16 474
17 057
17 342
Living cost
18 567
18 567
18 567
18 567
Free-cash
-4 989
-2 093
-1 510
-1 225

Estimated living cost  is ₽18567 per week

₽12426
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1145
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.
₽4568
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
-₽10031
-₽10583
-₽5144
-₽19768
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
social contributions
-
-
-
7 884
solidarity contribution
-
-
-
-
health
-
-
-
3 645
total
-
-
-
13 850
Employee
34 901
-
20 149
-
solidarity contribution
-
-
-
-
income
4 188
-
2 418
-
social contributions
2 269
-
1 310
-
health
4 712
-
2 720
-
total
11 169
-
6 448
-
Employer
34 901
-
20 149
-
social contributions
8 725
-
5 037
-
health
3 141
-
1 813
-
total
11 866
-
6 850
-
Corporate
-
27 000
-
-
income
-
5 130
-
-
total
-
5 130
-
-
Dividends
-
21 870
-
-
withholding
-
3 281
-
-
total
-
3 281
-
-
Income
27 000
27 000
27 000
27 000
Total tax
23 035
8 411
13 298
13 850
After tax
3 965
18 589
13 702
13 150
Living cost
23 733
23 733
23 733
23 733
Free-cash
-19 768
-5 144
-10 031
-10 583

Estimated living cost  is ₽23733 per week

₽17649
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1315
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽411
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.
₽4358
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
₽11803
₽16933
₽15853
₽14017
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
12 247
-
27 000
-
income
2 449
-
5 400
-
total
2 449
-
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%.

14 753
27 000
-
-
total
-
-
-
-
Dividends
14 753
27 000
-
-
withholding
737
1 350
-
-
total
737
1 350
-
-
Income
27 000
27 000
27 000
27 000
Total tax
3 186
1 350
5 400
270
After tax
23 814
25 650
21 600
26 730
Living cost
9 797
9 797
9 797
9 797
Free-cash
14 017
15 853
11 803
16 933

Estimated living cost  is ₽9797 per week

₽6630
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.
₽329
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.
₽2427
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
-₽24797
-₽25584
-₽28680
-₽44970
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
-
-
-
47
social contributions
-
-
-
769
health
-
-
-
234
surtax
-
-
-
-
pensions
-
-
-
8 406
other
-
-
-
837
total
-
-
-
10 293
Employee
54 842
-
20 574
-
income
4 785
-
169
-
social contributions
1 562
-
587
-
surtax
-
-
-
-
pensions
6 203
-
2 326
-
total
12 550
-
3 082
-
Employer
54 842
-
20 574
-
unemployment
2 222
-
832
-
social contributions
165
-
61
-
pensions
9 011
-
3 380
-
other
1 893
-
710
-
health
3 838
-
1 441
-
total
17 129
-
6 424
-
Corporate
-
27 000
-
-
income
-
7 560
-
-
surtax
-
-
-
-
total
-
7 560
-
-
Dividends
-
19 440
-
-
withholding
-
2 487
-
-
surtax
-
-
-
-
social contributions
-
3 342
-
-
total
-
5 829
-
-
Income
27 000
27 000
27 000
27 000
Total tax
29 679
13 389
9 506
10 293
After tax
-2 679
13 611
17 494
16 707
Living cost
42 291
42 291
42 291
42 291
Free-cash
-44 970
-28 680
-24 797
-25 584

Estimated living cost  is ₽42291 per week

₽28622
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3460
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽580
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.
₽9629
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
₽75
-₽1088
₽4402
₽104
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
income
-
-
-
2 777
health
-
-
-
2 781
unemployment
-
-
-
405
pensions
-
-
-
7 020
total
-
-
-
12 983
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.

22 777
-
22 901
-
income
3 140
-
3 164
-
health
1 173
-
1 179
-
unemployment
171
-
172
-
pensions
3 189
-
3 206
-
total
7 673
-
7 721
-
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.

22 777
-
22 901
-
unemployment
171
-
172
-
pensions
2 733
-
2 748
-
health
1 173
-
1 179
-
total
4 077
-
4 099
-
Corporate
146
27 000
-
-
income
22
4 050
-
-
total
22
4 050
-
-
Dividends
124
22 950
-
-
withholding
19
3 443
-
-
total
19
3 443
-
-
Income
27 000
27 000
27 000
27 000
Total tax
11 791
7 493
11 820
12 983
After tax
15 209
19 507
15 180
14 017
Living cost
15 105
15 105
15 105
15 105
Free-cash
104
4 402
75
-1 088

Estimated living cost  is ₽15105 per week

₽10170
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1168
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽437
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.
₽3329
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
-₽40200
-₽37939
-₽48754
-₽51315
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
regional
-
-
-
325
national
-
-
-
8
health
-
-
-
199
city
-
-
-
282
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
pensions
-
-
-
2 484
total
-
-
-
3 838
Employee
71 504
-
23 695
-
regional
2 341
-
237
-
city
767
-
248
-
health
162
-
53
-
unemployment
-
-
-
-
national
338
-
-
-
pensions
6 007
-
2 517
-
total
9 615
-
3 055
-
Employer
71 504
-
23 695
-
unemployment
-
-
-
-
pensions
6 007
-
2 517
-
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.

1 430
-
474
-
health
162
-
53
-
total
7 599
-
3 044
-
Corporate
-
27 000
-
-
regional
-
5 711
-
-
national
-
2 294
-
-
total
-
8 005
-
-
Dividends
-
18 995
-
-
withholding
-
6 648
-
-
total
-
6 648
-
-
Income
27 000
27 000
27 000
27 000
Total tax
17 214
14 653
6 099
3 838
After tax
9 786
12 347
20 901
23 162
Living cost
61 101
61 101
61 101
61 101
Free-cash
-51 315
-48 754
-40 200
-37 939

Estimated living cost  is ₽61101 per week

₽39733
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5483
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽750
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.
₽15134
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
-₽16528
-₽11517
-₽14933
-₽27761
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
-
-
-
4 850
national
-
-
-
-
health
-
-
-
50
total
-
-
-
4 900
Employee
46 068
-
22 713
-
health
344
-
-
-
unemployment
691
-
341
-
national
761
-
-
-
municipal
7 546
-
3 750
-
pensions
3 109
-
1 534
-
total
12 451
-
5 625
-
Employer
46 068
-
22 713
-
unemployment
299
-
148
-
pensions
7 993
-
3 941
-
accident
47
-
23
-
health
354
-
174
-
total
8 693
-
4 286
-
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
-
-
national
-
-
-
-
municipal
-
2 916
-
-
total
-
2 916
-
-
Income
27 000
27 000
27 000
27 000
Total tax
21 144
8 316
9 911
4 900
After tax
5 856
18 684
17 089
22 100
Living cost
33 617
33 617
33 617
33 617
Free-cash
-27 761
-14 933
-16 528
-11 517

Estimated living cost  is ₽33617 per week

₽21959
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3234
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽535
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.
₽7891
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
-₽19386
-₽14553
-₽16562
-₽53866
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
national
-
-
-
7 121
social contributions
-
-
-
942
communal

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

-
-
-
1 564
total
-
-
-
9 627
Employee

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

62 633
-
20 910
-
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.

2 943
-
984
-
communal

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

3 267
-
1 090
-
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.

545
-
181
-
national
19 256
-
4 545
-
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.

4 697
-
1 569
-
total
30 708
-
8 369
-
Employer

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

62 633
-
20 910
-
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.

914
-
306
-
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.

5 550
-
1 853
-
surtax
7 102
-
2 373
-
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.

814
-
273
-
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.

3 852
-
1 286
-
total
18 232
-
6 091
-
Corporate
-
27 000
-
-
income
-
5 400
-
-
surtax
-
108
-
-
total
-
5 508
-
-
Dividends
-
21 492
-
-
withholding

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

-
6 128
-
-
total
-
6 128
-
-
Income
27 000
27 000
27 000
27 000
Total tax
48 940
11 636
14 460
9 627
After tax
-21 940
15 364
12 540
17 373
Living cost
31 926
31 926
31 926
31 926
Free-cash
-53 866
-16 562
-19 386
-14 553

Estimated living cost  is ₽31926 per week

₽20565
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2792
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.
₽8071
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
-₽21514
-₽22474
-₽21191
-₽40289
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
-
-
-
5 719
national
-
-
-
-
health
-
-
-
1 685
accident
-
-
-
54
unemployment
-
-
-
27
pensions
-
-
-
2 919
other
-
-
-
3 137
total
-
-
-
13 541
Employee
51 201
-
20 545
-
national
-
-
-
-
municipal
15 268
-
6 127
-
total
15 268
-
6 127
-
Employer
51 201
-
20 545
-
unemployment
1 352
-
542
-
pensions
5 535
-
2 221
-
other
5 950
-
2 387
-
accident
102
-
41
-
health
3 149
-
1 263
-
total
16 088
-
6 454
-
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
31 356
12 258
12 581
13 541
After tax
-4 356
14 742
14 419
13 459
Living cost
35 933
35 933
35 933
35 933
Free-cash
-40 289
-21 191
-21 514
-22 474

Estimated living cost  is ₽35933 per week

₽23815
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3526
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽546
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.
₽8046
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
-₽25055
-₽20526
-₽22758
-₽108406
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
56 185
-
4 849
-
income
12 393
-
923
-
social contributions
4 607
-
657
-
total
17 000
-
1 580
-
Employer
56 185
-
4 849
-
social contributions
79 221
-
11 290
-
total
79 221
-
11 290
-
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
96 221
10 573
12 870
8 341
After tax
-69 221
16 427
14 130
18 659
Living cost
39 185
39 185
39 185
39 185
Free-cash
-108 406
-22 758
-25 055
-20 526

Estimated living cost  is ₽39185 per week

₽25425
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3685
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽499
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.
₽9575
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
-₽13857
-₽7443
-₽21201
-₽16414
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
-
-
-
33 287
income
-
-
-
-
social contributions
-
-
-
5 193
health
-
-
-
849
total
-
-
-
6 042
Employee
67 331
67 331
67 331
-
income
7 070
6 233
7 517
-
social contributions
3 272
5 588
2 034
-
health
670
1 145
417
-
total
11 012
12 966
9 968
-
Employer
67 331
67 331
67 331
-
social contributions
3 272
5 588
2 034
-
health
729
1 246
454
-
total
4 001
6 834
2 488
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
27 000
27 000
27 000
27 000
Total tax
15 013
19 800
12 456
6 042
After tax
11 987
7 200
14 544
20 958
Living cost
28 401
28 401
28 401
28 401
Free-cash
-16 414
-21 201
-13 857
-7 443

Estimated living cost  is ₽28401 per week

₽19415
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.
₽477
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.
₽6291
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
-₽12975
-₽10962
-₽11531
-₽21830
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
-
-
-
5 199
pensions
-
-
-
1 002
total
-
-
-
6 201
Employee
43 596
-
24 729
-
income
7 939
-
4 696
-
health
569
-
183
-
pensions
3 327
-
1 064
-
total
11 835
-
5 943
-
Employer
43 596
-
24 729
-
pensions
4 405
-
1 800
-
health
829
-
471
-
total
5 234
-
2 271
-
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
17 069
6 770
8 214
6 201
After tax
9 931
20 230
18 786
20 799
Living cost
31 761
31 761
31 761
31 761
Free-cash
-21 830
-11 531
-12 975
-10 962

Estimated living cost  is ₽31761 per week

₽21788
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2921
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.
₽6653
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
-₽21572
-₽19967
-₽20660
-₽46785
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
-
-
-
181
regional
-
-
-
347
national
-
-
-
4 613
social contributions
-
-
-
6 944
total
-
-
-
12 085
Employee
73 785
-
27 000
-
regional
1 114
-
309
-
social contributions
24 880
-
9 104
-
national
12 469
-
4 116
-
municipal
440
-
161
-
total
38 903
-
13 690
-
Employer
73 785
-
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
38 903
12 778
13 690
12 085
After tax
-11 903
14 222
13 310
14 915
Living cost
34 882
34 882
34 882
34 882
Free-cash
-46 785
-20 660
-21 572
-19 967

Estimated living cost  is ₽34882 per week

₽24503
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2399
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽527
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.
₽7452
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
-₽3763
-₽507
-₽15835
-₽7127
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
-
-
-
3 780
health
-
-
-
1 786
accident
-
-
-
207
pensions
-
-
-
3 408
other
-
-
-
304
total
-
-
-
9 485
Employee
28 349
-
22 429
-
income
3 889
-
3 077
-
health
3 246
-
2 568
-
pensions
3 192
-
2 525
-
total
10 327
-
8 170
-
Employer
28 349
-
22 429
-
unemployment
695
-
549
-
pensions
4 610
-
3 647
-
accident
473
-
375
-
total
5 778
-
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
16 105
24 813
12 741
9 485
After tax
10 895
2 187
14 259
17 515
Living cost
18 022
18 022
18 022
18 022
Free-cash
-7 127
-15 835
-3 763
-507

Estimated living cost  is ₽18022 per week

₽13208
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽998
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.
₽3439
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
-₽13849
-₽13849
-₽19701
-₽16568
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
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.

-
-
-
1 007
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.

-
-
-
5 982
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.

-
-
-
55
total
-
-
-
7 044
Employee

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

43 567
-
27 000
-
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.

3 583
-
1 007
-
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.

5 982
-
5 982
-
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
-
55
-
total
9 763
-
7 044
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
27 000
-
-
chamber of commerce
-
173
-
-
income
-
4 049
-
-
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
-
-
trade
-
3 875
-
-
total
-
8 320
-
-
Dividends
-
18 680
-
-
withholding
-
4 337
-
-
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.

-
239
-
-
total
-
4 576
-
-
Income
27 000
27 000
27 000
27 000
Total tax
9 763
12 896
7 044
7 044
After tax
17 237
14 104
19 956
19 956
Living cost
33 805
33 805
33 805
33 805
Free-cash
-16 568
-19 701
-13 849
-13 849

Estimated living cost  is ₽33805 per week

₽23320
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3637
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.
₽6357
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
-₽2724
₽1977
₽3383
-₽4750
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
microenterprise
-
-
-
4 049
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.

-
-
-
2 757
surtax
-
-
-
-
total
-
-
-
6 806
Employee
25 586
-
21 758
-
income
4 555
-
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.

2 815
-
2 393
-
surtax
-
-
-
-
total
7 370
-
6 266
-
Employer
25 586
-
21 758
-
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.

6 163
-
5 241
-
surtax
-
-
-
-
total
6 163
-
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
13 533
5 400
11 507
6 806
After tax
13 467
21 600
15 493
20 194
Living cost
18 217
18 217
18 217
18 217
Free-cash
-4 750
3 383
-2 724
1 977

Estimated living cost  is ₽18217 per week

₽11622
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1735
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽414
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4447
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
₽2876
₽2110
₽5420
₽3543
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
-
-
-
4 147
health
-
-
-
3 915
pensions
-
-
-
5 400
total
-
-
-
13 462
Employee
17 406
-
22 041
-
income
3 367
-
4 431
-
health
870
-
1 102
-
unemployment
174
-
220
-
pensions
1 566
-
1 984
-
total
5 977
-
7 737
-
Employer
17 406
-
22 041
-
unemployment
348
-
441
-
pensions
1 915
-
2 424
-
health
1 654
-
2 094
-
total
3 917
-
4 959
-
Corporate
5 678
27 000
-
-
income
1 249
5 940
-
-
total
1 249
5 940
-
-
Dividends
4 429
21 060
-
-
withholding
886
4 212
-
-
total
886
4 212
-
-
Income
27 000
27 000
27 000
27 000
Total tax
12 029
10 152
12 696
13 462
After tax
14 971
16 848
14 304
13 538
Living cost
11 428
11 428
11 428
11 428
Free-cash
3 543
5 420
2 876
2 110

Estimated living cost  is ₽11428 per week

₽6791
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽926
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽262
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.
₽3449
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
-₽4711
-₽4081
-₽2685
-₽8695
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
-
-
-
3 897
health
-
-
-
1 918
unemployment
-
-
-
199
surtax
-
-
-
-
pensions
-
-
-
5 400
other
-
-
-
-
total
-
-
-
11 414
Employee
29 488
-
22 304
-
other
-
-
-
-
income
4 943
-
3 739
-
health
753
-
570
-
unemployment
2 052
-
1 552
-
surtax
105
-
-
-
pensions
1 967
-
1 487
-
total
9 820
-
7 348
-
Employer
29 488
-
22 304
-
unemployment
936
-
708
-
pensions
3 931
-
2 973
-
other
-
-
-
-
health
1 341
-
1 015
-
total
6 208
-
4 696
-
Corporate
-
27 000
-
-
income
-
7 020
-
-
total
-
7 020
-
-
Dividends
-
19 980
-
-
withholding
-
2 998
-
-
total
-
2 998
-
-
Income
27 000
27 000
27 000
27 000
Total tax
16 028
10 018
12 044
11 414
After tax
10 972
16 982
14 956
15 586
Living cost
19 667
19 667
19 667
19 667
Free-cash
-8 695
-2 685
-4 711
-4 081

Estimated living cost  is ₽19667 per week

₽11874
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1710
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽457
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5628
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
-₽19028
-₽13473
-₽20704
-₽23122
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
-
-
-
-
chamber of commerce
-
-
-
108