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
₽ 29500
per

Your estimated
City
free-cash

Valencia , Spain
-₽8715
-₽5811
-₽4932
-₽1564
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
29 500
unemployment
-
-
-
207
income
-
-
-
4 030
other
-
-
-
30
accident
-
-
-
266
pensions
-
-
-
8 348
total
-
-
-
12 881
Employee
28 978
-
21 157
-
unemployment
449
-
406
-
pensions
1 362
-
1 230
-
income
5 587
-
3 753
-
other
28
-
27
-
total
7 426
-
5 416
-
Employer
28 978
-
21 157
-
pensions
6 838
-
6 176
-
accident
574
-
518
-
unemployment
1 594
-
1 440
-
other
232
-
210
-
total
9 238
-
8 344
-
Corporate
-
29 500
-
-
income

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

-
4 425
-
-
total
-
4 425
-
-
Dividends
-
25 075
-
-
withholding
-
5 088
-
-
total
-
5 088
-
-
Income
29 500
29 500
29 500
29 500
Total tax
16 664
9 513
13 760
12 881
After tax
12 836
19 987
15 740
16 619
Living cost
21 551
21 551
21 551
21 551
Free-cash
-8 715
-1 564
-5 811
-4 932

Estimated living cost  is ₽21551 per week

₽14547
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2072
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽378
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4555
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Bratislava , Slovakia
-₽6128
-₽3591
-₽4909
₽792
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
29 500
pensions

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

-
-
-
7 079
income
-
-
-
3 748
other
-
-
-
1 401
health
-
-
-
1 298
total
-
-
-
13 526
Employee
28 456
-
23 561
-
health
399
-
330
-
unemployment
284
-
235
-
pensions

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

1 991
-
1 649
-
income
4 899
-
4 056
-
total
7 573
-
6 270
-
Employer
28 456
-
23 561
-
health
399
-
330
-
pensions

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

4 838
-
4 005
-
accident
228
-
189
-
unemployment
284
-
235
-
other
1 423
-
1 179
-
total
7 172
-
5 938
-
Corporate
-
29 500
-
-
income
-
6 194
-
-
total
-
6 194
-
-
Dividends
-
23 306
-
-
withholding
-
1 631
-
-
total
-
1 631
-
-
Income
29 500
29 500
29 500
29 500
Total tax
14 745
7 825
12 208
13 526
After tax
14 755
21 675
17 292
15 974
Living cost
20 883
20 883
20 883
20 883
Free-cash
-6 128
792
-3 591
-4 909

Estimated living cost  is ₽20883 per week

₽14755
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1410
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽336
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4381
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Varna , Bulgaria
₽11313
₽8356
₽7499
₽14952
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
29 500
pensions

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

-
-
-
4 050
unemployment
-
-
-
109
income
-
-
-
4 425
health
-
-
-
3 147
total
-
-
-
11 731
Employee
13 600
-
24 661
-
health
626
-
1 134
-
accident

We are using the highest rate at 1.1%.

150
-
271
-
pensions

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

1 194
-
2 165
-
income
1 360
-
2 466
-
total
3 330
-
6 036
-
Employer
13 600
-
24 661
-
health
939
-
1 701
-
pensions

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

1 499
-
2 718
-
accident

We are using the highest rate at 1.1%.

150
-
271
-
unemployment
81
-
148
-
total
2 669
-
4 838
-
Corporate
13 232
29 500
-
-
income
1 323
2 950
-
-
total
1 323
2 950
-
-
Dividends
11 909
26 550
-
-
withholding
595
1 328
-
-
total
595
1 328
-
-
Income
29 500
29 500
29 500
29 500
Total tax
7 917
4 278
10 874
11 731
After tax
21 583
25 222
18 626
17 769
Living cost
10 270
10 270
10 270
10 270
Free-cash
11 313
14 952
8 356
7 499

Estimated living cost  is ₽10270 per week

₽5996
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽733
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽272
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3269
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Nice , France
-₽14515
-₽8153
-₽8785
-₽11945
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
29 500
income
-
-
-
546
other
-
-
-
915
health
-
-
-
257
social contributions
-
-
-
840
pensions
-
-
-
8 914
surtax
-
-
-
-
total
-
-
-
11 472
Employee
33 541
-
22 479
-
pensions
3 792
-
2 542
-
income
1 980
-
642
-
social contributions
956
-
640
-
surtax
-
-
-
-
total
6 728
-
3 824
-
Employer
33 541
-
22 479
-
health
2 348
-
1 573
-
social contributions
101
-
67
-
pensions
5 510
-
3 691
-
unemployment
1 358
-
910
-
other
1 157
-
775
-
total
10 474
-
7 016
-
Corporate
-
29 500
-
-
income
-
8 260
-
-
surtax
-
-
-
-
total
-
8 260
-
-
Dividends
-
21 240
-
-
social contributions
-
3 653
-
-
surtax
-
-
-
-
withholding
-
2 719
-
-
total
-
6 372
-
-
Income
29 500
29 500
29 500
29 500
Total tax
17 202
14 632
10 840
11 472
After tax
12 298
14 868
18 660
18 028
Living cost
26 813
26 813
26 813
26 813
Free-cash
-14 515
-11 945
-8 153
-8 785

Estimated living cost  is ₽26813 per week

₽16907
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2180
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽457
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7271
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Rotterdam , Netherlands
-₽48324
-₽48324
-₽15826
-₽43924
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
29 500
pensions
-
-
-
5 311
income
-
-
-
2 655
health
-
-
-
4 529
total
-
-
-
12 495
Employee
66 925
66 925
66 925
-
health
10 272
8 737
10 272
-
pensions
12 047
9 182
12 047
-
income

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

10 955
10 955
10 955
-
total
33 274
28 874
33 274
-
Employer
66 925
66 925
66 925
-
health
4 652
4 652
4 652
-
pensions
4 658
4 658
4 658
-
unemployment
2 409
2 409
2 409
-
total
11 719
11 719
11 719
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
29 500
29 500
29 500
29 500
Total tax
44 993
40 593
44 993
12 495
After tax
-15 493
-11 093
-15 493
17 005
Living cost
32 831
32 831
32 831
32 831
Free-cash
-48 324
-43 924
-48 324
-15 826

Estimated living cost  is ₽32831 per week

₽23266
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2960
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽522
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6083
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Dresden , Germany
-₽475
-₽350
-₽350
-₽8683
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.

-
-
-
29 500
trade
-
-
-
-
income

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

-
-
-
718
health

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

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

-
-
-
5 354
surtax

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

-
-
-
40
total
-
-
-
6 112
Employee

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

29 975
-
29 500
-
health

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

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

5 354
-
5 354
-
income

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

837
-
718
-
surtax

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

46
-
40
-
total
6 237
-
6 112
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
29 500
-
-
income
-
4 425
-
-
trade
-
4 646
-
-
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.

-
244
-
-
chamber of commerce
-
162
-
-
total
-
9 477
-
-
Dividends
-
20 023
-
-
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.

-
259
-
-
withholding
-
4 709
-
-
total
-
4 968
-
-
Income
29 500
29 500
29 500
29 500
Total tax
6 237
14 445
6 112
6 112
After tax
23 263
15 055
23 388
23 388
Living cost
23 738
23 738
23 738
23 738
Free-cash
-475
-8 683
-350
-350

Estimated living cost  is ₽23738 per week

₽14932
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2768
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽443
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5595
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Nationals of Europe, Australia, Canada, Israel, Japan, the Republic of Korea, New Zealand and the USA do not require an entry type D visa (not to confuse with a Schengen visa or a visa-free entry). For other nationals, waiting time is around 6-9 months which includes document preparation and processing.

Larnaca , Cyprus
-₽737
-₽623
₽5947
-₽6368
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
29 793
income
-
-
-
-
health
-
-
-
760
social contributions
-
-
-
4 648
total
-
-
-
5 408
Employee
60 263
60 263
60 263
-
health
467
1 025
455
-
income
6 562
5 579
6 582
-
social contributions
2 278
5 002
2 223
-
total
9 307
11 606
9 260
-
Employer
60 263
60 263
60 263
-
health
507
1 115
495
-
social contributions
2 278
5 002
2 223
-
total
2 785
6 117
2 718
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
29 500
29 500
29 500
29 500
Total tax
12 092
17 723
11 978
5 408
After tax
17 408
11 777
17 522
24 092
Living cost
18 145
18 145
18 145
18 145
Free-cash
-737
-6 368
-623
5 947

Estimated living cost  is ₽18145 per week

₽10875
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1780
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽402
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5089
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Lisbon , Portugal
-₽15104
-₽7641
-₽7167
-₽7802
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.

-
-
-
29 500
income
-
-
-
1 834
social contributions

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

-
-
-
10 251
surtax
-
-
-
-
total
-
-
-
12 085
Employee
36 044
-
23 838
-
income
7 497
-
4 275
-
social contributions
3 965
-
2 622
-
surtax
-
-
-
-
total
11 462
-
6 897
-
Employer
36 044
-
23 838
-
social contributions
8 560
-
5 662
-
total
8 560
-
5 662
-
Corporate
-
29 500
-
-
income
-
6 194
-
-
surtax
-
-
-
-
total
-
6 194
-
-
Dividends
-
23 306
-
-
withholding
-
6 526
-
-
total
-
6 526
-
-
Income
29 500
29 500
29 500
29 500
Total tax
20 022
12 720
12 559
12 085
After tax
9 478
16 780
16 941
17 415
Living cost
24 582
24 582
24 582
24 582
Free-cash
-15 104
-7 802
-7 641
-7 167

Estimated living cost  is ₽24582 per week

₽18393
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1450
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽410
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4329
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Batumi , Georgia
₽20812
₽17526
₽23131
₽21951
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%.

-
-
-
29 500
microenterprise

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

-
-
-
295
total
-
-
-
295
Employee
7 592
-
29 500
-
income
1 518
-
5 900
-
total
1 518
-
5 900
-
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%.

21 908
29 500
-
-
total
-
-
-
-
Dividends
21 908
29 500
-
-
withholding
1 096
1 475
-
-
total
1 096
1 475
-
-
Income
29 500
29 500
29 500
29 500
Total tax
2 614
1 475
5 900
295
After tax
26 886
28 025
23 600
29 205
Living cost
6 074
6 074
6 074
6 074
Free-cash
20 812
21 951
17 526
23 131

Estimated living cost  is ₽6074 per week

₽3764
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽505
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽167
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽1638
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Social security system in Georgia is financed from the government taxes which are part of our internal model. Separate pension and medical insurance contributions are not compulsory. It is advisable to purchase health insurance privately as in an event of medical emergency the treatment is likely to get costly.

Ljubljana , Slovenia
-₽10552
-₽5192
-₽4259
-₽710
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.

-
-
-
29 500
pensions
-
-
-
5 387
unemployment
-
-
-
45
income
-
-
-
4 403
health
-
-
-
2 903
total
-
-
-
12 738
Employee

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

34 656
-
25 526
-
health
2 238
-
1 649
-
unemployment
49
-
36
-
pensions
5 372
-
3 956
-
income
5 976
-
4 056
-
total
13 635
-
9 697
-
Employer

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

34 656
-
25 526
-
health
2 308
-
1 700
-
pensions
3 067
-
2 259
-
unemployment
21
-
15
-
total
5 396
-
3 974
-
Corporate
-
29 500
-
-
income
-
5 605
-
-
total
-
5 605
-
-
Dividends
-
23 895
-
-
withholding
-
3 584
-
-
total
-
3 584
-
-
Income
29 500
29 500
29 500
29 500
Total tax
19 031
9 189
13 671
12 738
After tax
10 469
20 311
15 829
16 762
Living cost
21 021
21 021
21 021
21 021
Free-cash
-10 552
-710
-5 192
-4 259

Estimated living cost  is ₽21021 per week

₽14426
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1347
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽408
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4841
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Sliema , Malta
-₽12393
-₽6167
-₽26212
-₽12149
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.

-
-
-
29 500
income
-
-
-
22 308
health

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

-
-
-
4 955
total
-
-
-
27 263
Employee
35 952
-
26 813
-
social contributions
3 602
-
2 687
-
income
3 901
-
1 844
-
total
7 503
-
4 531
-
Employer
35 952
-
26 813
-
social contributions
3 602
-
2 687
-
total
3 602
-
2 687
-
Corporate
-
29 500
-
-
income
-
10 324
-
-
total
-
10 324
-
-
Dividends
-
19 176
-
-
social contributions
2 339
2 876
-
-
total
2 339
2 876
-
-
Income
29 500
29 500
29 500
29 500
Total tax
13 444
13 200
7 218
27 263
After tax
16 056
16 300
22 282
2 237
Living cost
28 449
28 449
28 449
28 449
Free-cash
-12 393
-12 149
-6 167
-26 212

Estimated living cost  is ₽28449 per week

₽18739
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2243
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽436
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7030
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Vilnius , Lithuania
₽304
₽1645
₽2326
₽1380
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
29 500
income
-
-
-
4 425
health
-
-
-
2 060
social contributions
-
-
-
4 071
total
-
-
-
10 556
Employee
26 572
-
29 500
-
health
1 855
-
2 060
-
income
4 432
-
5 106
-
social contributions
3 668
-
4 071
-
total
9 955
-
11 237
-
Employer
26 572
-
29 500
-
total
-
-
-
-
Corporate
2 928
29 500
-
-
income

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

146
1 475
-
-
total
146
1 475
-
-
Dividends
2 782
28 025
-
-
social contributions
1 367
3 867
-
-
withholding
418
4 204
-
-
health
692
1 956
-
-
total
2 477
10 027
-
-
Income
29 500
29 500
29 500
29 500
Total tax
12 578
11 502
11 237
10 556
After tax
16 922
17 998
18 263
18 944
Living cost
16 618
16 618
16 618
16 618
Free-cash
304
1 380
1 645
2 326

Estimated living cost  is ₽16618 per week

₽11121
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1025
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽382
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4088
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Prague , Czech Republic
-₽13728
-₽6967
-₽7569
-₽1626
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
29 500
income
-
-
-
2 536
health
-
-
-
3 982
social contributions
-
-
-
8 614
solidarity contribution
-
-
-
-
total
-
-
-
15 132
Employee
32 261
-
22 015
-
health
4 355
-
2 972
-
solidarity contribution
-
-
-
-
income
3 871
-
2 642
-
social contributions
2 097
-
1 431
-
total
10 323
-
7 045
-
Employer
32 261
-
22 015
-
health
2 903
-
1 981
-
social contributions
8 065
-
5 504
-
total
10 968
-
7 485
-
Corporate
-
29 500
-
-
income
-
5 605
-
-
total
-
5 605
-
-
Dividends
-
23 895
-
-
withholding
-
3 584
-
-
total
-
3 584
-
-
Income
29 500
29 500
29 500
29 500
Total tax
21 291
9 189
14 530
15 132
After tax
8 209
20 311
14 970
14 368
Living cost
21 937
21 937
21 937
21 937
Free-cash
-13 728
-1 626
-6 967
-7 569

Estimated living cost  is ₽21937 per week

₽16314
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1215
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽380
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4029
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Tbilisi , Georgia
₽16786
₽14135
₽19740
₽18560
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%.

-
-
-
29 500
microenterprise

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

-
-
-
295
total
-
-
-
295
Employee
11 832
-
29 500
-
income
2 366
-
5 900
-
total
2 366
-
5 900
-
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%.

17 668
29 500
-
-
total
-
-
-
-
Dividends
17 668
29 500
-
-
withholding
883
1 475
-
-
total
883
1 475
-
-
Income
29 500
29 500
29 500
29 500
Total tax
3 249
1 475
5 900
295
After tax
26 251
28 025
23 600
29 205
Living cost
9 465
9 465
9 465
9 465
Free-cash
16 786
18 560
14 135
19 740

Estimated living cost  is ₽9465 per week

₽6405
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽397
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽317
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2345
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Social security system in Georgia is financed from the government taxes which are part of our internal model. Separate pension and medical insurance contributions are not compulsory. It is advisable to purchase health insurance privately as in an event of medical emergency the treatment is likely to get costly.

Paris , France
-₽34914
-₽19192
-₽19824
-₽22984
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
29 500
income
-
-
-
546
other
-
-
-
915
health
-
-
-
257
social contributions
-
-
-
840
pensions
-
-
-
8 914
surtax
-
-
-
-
total
-
-
-
11 472
Employee
49 085
-
22 479
-
pensions
5 552
-
2 542
-
income
4 283
-
642
-
social contributions
1 398
-
640
-
surtax
-
-
-
-
total
11 233
-
3 824
-
Employer
49 085
-
22 479
-
health
3 435
-
1 573
-
social contributions
147
-
67
-
pensions
8 065
-
3 691
-
unemployment
1 988
-
910
-
other
1 694
-
775
-
total
15 329
-
7 016
-
Corporate
-
29 500
-
-
income
-
8 260
-
-
surtax
-
-
-
-
total
-
8 260
-
-
Dividends
-
21 240
-
-
social contributions
-
3 653
-
-
surtax
-
-
-
-
withholding
-
2 719
-
-
total
-
6 372
-
-
Income
29 500
29 500
29 500
29 500
Total tax
26 562
14 632
10 840
11 472
After tax
2 938
14 868
18 660
18 028
Living cost
37 852
37 852
37 852
37 852
Free-cash
-34 914
-22 984
-19 192
-19 824

Estimated living cost  is ₽37852 per week

₽25618
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3096
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽519
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8618
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Belgrade , Serbia
₽3957
₽2789
₽1522
₽7802
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.

-
-
-
29 500
pensions
-
-
-
7 670
unemployment
-
-
-
442
income
-
-
-
3 316
health
-
-
-
3 038
total
-
-
-
14 466
Employee

The minimum tax base for social security contributions are defined by the Law on Mandatory Social Insurance Contributions and is fixed at 35% of an average monthly salary published in Serbia. The maximum tax base for social security contributions is capped at five times the average monthly salary published by the official statistics in Serbia at the moment of salary payment.

The minimum monthly earnings used to calculate the contributions are 35% of the national average gross wage for the previous three months.

The maximum monthly earnings used to calculate the contributions are five times the national average gross wage in the previous month.

20 376
-
25 021
-
health
1 049
-
1 289
-
unemployment
153
-
188
-
pensions
2 853
-
3 503
-
income
2 809
-
3 739
-
total
6 864
-
8 719
-
Employer

The minimum tax base for social security contributions are defined by the Law on Mandatory Social Insurance Contributions and is fixed at 35% of an average monthly salary published in Serbia. The maximum tax base for social security contributions is capped at five times the average monthly salary published by the official statistics in Serbia at the moment of salary payment.

The minimum monthly earnings used to calculate the contributions are 35% of the national average gross wage for the previous three months.

The maximum monthly earnings used to calculate the contributions are five times the national average gross wage in the previous month.

20 376
-
25 021
-
health
1 049
-
1 289
-
pensions
2 445
-
3 003
-
unemployment
153
-
188
-
total
3 647
-
4 480
-
Corporate
5 477
29 500
-
-
income
822
4 425
-
-
total
822
4 425
-
-
Dividends
4 656
25 075
-
-
withholding
698
3 761
-
-
total
698
3 761
-
-
Income
29 500
29 500
29 500
29 500
Total tax
12 031
8 186
13 199
14 466
After tax
17 469
21 314
16 301
15 034
Living cost
13 512
13 512
13 512
13 512
Free-cash
3 957
7 802
2 789
1 522

Estimated living cost  is ₽13512 per week

₽9098
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1045
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽391
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2978
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Zurich , Switzerland
-₽38802
-₽30040
-₽28106
-₽39799
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
29 500
pensions
-
-
-
2 714
city
-
-
-
309
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.

-
-
-
590
health
-
-
-
174
regional
-
-
-
482
national
-
-
-
48
total
-
-
-
4 317
Employee
62 361
-
26 166
-
health
141
-
59
-
unemployment
-
-
-
-
city
669
-
278
-
pensions
5 239
-
2 465
-
regional
2 042
-
375
-
national
295
-
27
-
total
8 386
-
3 204
-
Employer
62 361
-
26 166
-
health
141
-
59
-
pensions
5 239
-
2 465
-
unemployment
-
-
-
-
other

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

1 247
-
523
-
total
6 627
-
3 047
-
Corporate
-
29 500
-
-
regional
-
6 240
-
-
national
-
2 507
-
-
total
-
8 747
-
-
Dividends
-
20 753
-
-
withholding
-
7 263
-
-
total
-
7 263
-
-
Income
29 500
29 500
29 500
29 500
Total tax
15 013
16 010
6 251
4 317
After tax
14 487
13 490
23 249
25 183
Living cost
53 289
53 289
53 289
53 289
Free-cash
-38 802
-39 799
-30 040
-28 106

Estimated living cost  is ₽53289 per week

₽34653
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4782
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽654
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽13199
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details

Additional information

It is extremely rare that a Third Country National (non-EU/EFTA/Swiss and without a long-term EU resident permit) is given a residence permit based on self-employment.

Helsinki , Finland
-₽19515
-₽11461
-₽6196
-₽9675
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

-
-
-
29 500
municipal
-
-
-
5 287
health
-
-
-
128
national
-
-
-
192
total
-
-
-
5 607
Employee
41 232
-
24 818
-
health
308
-
55
-
unemployment
619
-
372
-
pensions
2 783
-
1 675
-
national
681
-
-
-
municipal
6 754
-
4 088
-
total
11 145
-
6 190
-
Employer
41 232
-
24 818
-
health
317
-
190
-
pensions
7 154
-
4 306
-
accident
42
-
25
-
unemployment
268
-
161
-
total
7 781
-
4 682
-
Corporate
-
29 500
-
-
income
-
5 900
-
-
total
-
5 900
-
-
Dividends

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

-
17 700
-
-
municipal
-
3 186
-
-
national
-
-
-
-
total
-
3 186
-
-
Income
29 500
29 500
29 500
29 500
Total tax
18 926
9 086
10 872
5 607
After tax
10 574
20 414
18 628
23 893
Living cost
30 089
30 089
30 089
30 089
Free-cash
-19 515
-9 675
-11 461
-6 196

Estimated living cost  is ₽30089 per week

₽19654
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2894
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽479
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7063
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Finland permits registration as a sole-trader only for EU nationals or long-term EU resident permit holders. Other nationals should set up a company and hire themselves as an employee.

Brussels , Belgium
-₽42877
-₽14891
-₽10749
-₽11851
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
29 500
communal

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

-
-
-
1 652
social contributions
-
-
-
1 963
national
-
-
-
8 059
total
-
-
-
11 674
Employee

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

56 059
-
22 849
-
health

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

2 634
-
1 074
-
communal

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

2 924
-
1 191
-
unemployment

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

488
-
199
-
pensions

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

4 204
-
1 713
-
national
17 235
-
4 989
-
total
27 485
-
9 166
-
Employer

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

56 059
-
22 849
-
health

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

3 447
-
1 405
-
pensions

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

4 967
-
2 024
-
surtax
6 356
-
2 591
-
accident

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

729
-
297
-
unemployment

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

818
-
333
-
total
16 317
-
6 650
-
Corporate
-
29 500
-
-
income
-
5 900
-
-
surtax
-
117
-
-
total
-
6 017
-
-
Dividends
-
23 483
-
-
withholding

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

-
6 759
-
-
total
-
6 759
-
-
Income
29 500
29 500
29 500
29 500
Total tax
43 802
12 776
15 816
11 674
After tax
-14 302
16 724
13 684
17 826
Living cost
28 575
28 575
28 575
28 575
Free-cash
-42 877
-11 851
-14 891
-10 749

Estimated living cost  is ₽28575 per week

₽18406
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2499
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽448
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7223
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Stockholm , Sweden
-₽34192
-₽18259
-₽19307
-₽17906
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
29 500
unemployment
-
-
-
30
municipal
-
-
-
6 248
other
-
-
-
3 428
health
-
-
-
1 841
national
-
-
-
-
accident
-
-
-
59
pensions
-
-
-
3 189
total
-
-
-
14 795
Employee
48 465
-
22 447
-
national
-
-
-
-
municipal
14 452
-
6 694
-
total
14 452
-
6 694
-
Employer
48 465
-
22 447
-
health
2 981
-
1 381
-
pensions
5 239
-
2 426
-
accident
97
-
45
-
unemployment
1 279
-
593
-
other
5 632
-
2 608
-
total
15 228
-
7 053
-
Corporate
-
29 500
-
-
income
-
6 490
-
-
total
-
6 490
-
-
Dividends
-
23 010
-
-
withholding
-
6 903
-
-
total
-
6 903
-
-
Income
29 500
29 500
29 500
29 500
Total tax
29 680
13 393
13 747
14 795
After tax
-180
16 107
15 753
14 705
Living cost
34 012
34 012
34 012
34 012
Free-cash
-34 192
-17 906
-18 259
-19 307

Estimated living cost  is ₽34012 per week

₽22542
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3338
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽517
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7616
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Oslo , Norway
-₽101388
-₽20511
-₽17490
-₽19929
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
29 500
income
-
-
-
5 750
social contributions
-
-
-
3 363
total
-
-
-
9 113
Employee
54 310
-
3 293
-
income
11 980
-
585
-
social contributions
4 453
-
635
-
total
16 433
-
1 220
-
Employer
54 310
-
3 293
-
social contributions
76 578
-
10 914
-
total
76 578
-
10 914
-
Corporate
-
29 500
-
-
income
-
6 490
-
-
total
-
6 490
-
-
Dividends
-
23 010
-
-
income
-
5 062
-
-
total
-
5 062
-
-
Income
29 500
29 500
29 500
29 500
Total tax
93 011
11 552
12 134
9 113
After tax
-63 511
17 948
17 366
20 387
Living cost
37 877
37 877
37 877
37 877
Free-cash
-101 388
-19 929
-20 511
-17 490

Estimated living cost  is ₽37877 per week

₽24576
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3562
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽483
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9256
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Limassol , Cyprus
-₽9355
-₽7897
-₽1327
-₽13642
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
29 793
income
-
-
-
-
health
-
-
-
760
social contributions
-
-
-
4 648
total
-
-
-
5 408
Employee
60 263
60 263
60 263
-
health
599
1 025
455
-
income
6 328
5 579
6 582
-
social contributions
2 928
5 002
2 223
-
total
9 855
11 606
9 260
-
Employer
60 263
60 263
60 263
-
health
653
1 115
495
-
social contributions
2 928
5 002
2 223
-
total
3 581
6 117
2 718
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
29 500
29 500
29 500
29 500
Total tax
13 436
17 723
11 978
5 408
After tax
16 064
11 777
17 522
24 092
Living cost
25 419
25 419
25 419
25 419
Free-cash
-9 355
-13 642
-7 897
-1 327

Estimated living cost  is ₽25419 per week

₽17377
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1985
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽427
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5631
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Edinburgh , United Kingdom
-₽13757
-₽8174
-₽5648
-₽6033
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
29 500
income
-
-
-
5 622
pensions
-
-
-
1 390
total
-
-
-
7 012
Employee
38 621
-
26 732
-
health
504
-
260
-
pensions
2 948
-
1 521
-
income
7 033
-
4 990
-
total
10 485
-
6 771
-
Employer
38 621
-
26 732
-
health
734
-
507
-
pensions
3 902
-
2 260
-
total
4 636
-
2 767
-
Corporate
-
29 500
-
-
income

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

-
5 605
-
-
total
-
5 605
-
-
Dividends
-
23 895
-
-
withholding
-
1 792
-
-
total
-
1 792
-
-
Income
29 500
29 500
29 500
29 500
Total tax
15 121
7 397
9 538
7 012
After tax
14 379
22 103
19 962
22 488
Living cost
28 136
28 136
28 136
28 136
Free-cash
-13 757
-6 033
-8 174
-5 648

Estimated living cost  is ₽28136 per week

₽19301
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2587
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽352
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5894
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details

Additional information

The only visa which will gain you entry to the UK as a freelancer is Tier 1 (with an exception of EU nationals or long-term UK residence permit holders, up until Brexit). There are two Tier 1 visa pathways.

You can either apply for an Entrepreneur visa which requires an investment of at least £200000 and creating two full time jobs, or choose an Exceptional Talent visa, which has no financial requirements but is more difficult to obtain.

Rome , Italy
-₽36540
-₽16679
-₽14926
-₽15684
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
29 500
municipal
-
-
-
198
regional
-
-
-
379
social contributions
-
-
-
7 588
national
-
-
-
5 040
total
-
-
-
13 205
Employee
66 040
-
29 500
-
social contributions
22 268
-
9 948
-
regional
997
-
338
-
national
11 160
-
4 497
-
municipal
394
-
175
-
total
34 819
-
14 958
-
Employer
66 040
-
29 500
-
total
-
-
-
-
Corporate
-
29 500
-
-
nationa
-
7 081
-
-
municipal
-
1 422
-
-
total
-
8 503
-
-
Dividends
-
20 998
-
-
withholding
-
5 460
-
-
total
-
5 460
-
-
Income
29 500
29 500
29 500
29 500
Total tax
34 819
13 963
14 958
13 205
After tax
-5 319
15 537
14 542
16 295
Living cost
31 221
31 221
31 221
31 221
Free-cash
-36 540
-15 684
-16 679
-14 926

Estimated living cost  is ₽31221 per week

₽21931
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2148
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽471
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6670
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Gdansk , Poland
-₽2195
-₽1157
₽3169
-₽14348
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
29 500
pensions
-
-
-
3 165
income
-
-
-
4 296
other
-
-
-
282
health
-
-
-
1 659
accident
-
-
-
192
total
-
-
-
9 594
Employee
26 328
-
24 506
-
health
3 015
-
2 806
-
pensions
2 965
-
2 759
-
income
3 612
-
3 362
-
total
9 592
-
8 927
-
Employer
26 328
-
24 506
-
pensions
4 281
-
3 984
-
accident
440
-
409
-
unemployment
645
-
600
-
total
5 366
-
4 993
-
Corporate
-
29 500
-
-
income

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

-
26 550
-
-
total
-
26 550
-
-
Dividends
-
2 950
-
-
withholding
-
561
-
-
total
-
561
-
-
Income
29 500
29 500
29 500
29 500
Total tax
14 958
27 111
13 920
9 594
After tax
14 542
2 389
15 580
19 906
Living cost
16 737
16 737
16 737
16 737
Free-cash
-2 195
-14 348
-1 157
3 169

Estimated living cost  is ₽16737 per week

₽12267
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽927
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽349
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3194
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Poland permits registration as a sole-trader only for EU nationals or long-term EU resident permit holders. Other nationals should use a business incubator or set up a company and hire themselves as an employee.

Berlin , Germany
-₽9494
-₽6869
-₽6869
-₽14897
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.

-
-
-
29 500
trade
-
-
-
-
income

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

-
-
-
718
health

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

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

-
-
-
5 354
surtax

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

-
-
-
40
total
-
-
-
6 112
Employee

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

38 994
-
29 500
-
health

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

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

5 354
-
5 354
-
income

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

3 206
-
718
-
surtax

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

177
-
40
-
total
8 737
-
6 112
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
29 500
-
-
income
-
4 425
-
-
trade
-
4 233
-
-
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.

-
244
-
-
chamber of commerce
-
162
-
-
total
-
9 064
-
-
Dividends
-
20 437
-
-
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.

-
265
-
-
withholding
-
4 811
-
-
total
-
5 076
-
-
Income
29 500
29 500
29 500
29 500
Total tax
8 737
14 140
6 112
6 112
After tax
20 763
15 360
23 388
23 388
Living cost
30 257
30 257
30 257
30 257
Free-cash
-9 494
-14 897
-6 869
-6 869

Estimated living cost  is ₽30257 per week

₽20872
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3256
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽439
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5690
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Nationals of Europe, Australia, Canada, Israel, Japan, the Republic of Korea, New Zealand and the USA do not require an entry type D visa (not to confuse with a Schengen visa or a visa-free entry). For other nationals, waiting time is around 6-9 months which includes document preparation and processing.

Riga , Latvia
₽868
₽623
₽6304
₽7296
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.

-
-
-
29 500
income
-
-
-
-
microenterprise
-
-
-
4 425
social contributions

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

-
-
-
2 467
surtax
-
-
-
-
total
-
-
-
6 892
Employee
22 900
-
23 773
-
income
4 076
-
4 231
-
social contributions

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

2 519
-
2 615
-
surtax
-
-
-
-
total
6 595
-
6 846
-
Employer
22 900
-
23 773
-
social contributions

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

5 516
-
5 727
-
surtax
-
-
-
-
total
5 516
-
5 727
-
Corporate
1 084
29 500
-
-
income

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

217
5 900
-
-
total
217
5 900
-
-
Dividends

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

866
23 600
-
-
total
-
-
-
-
Income
29 500
29 500
29 500
29 500
Total tax
12 328
5 900
12 573
6 892
After tax
17 172
23 600
16 927
22 608
Living cost
16 304
16 304
16 304
16 304
Free-cash
868
7 296
623
6 304

Estimated living cost  is ₽16304 per week

₽10402
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1553
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽370
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3980
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Istanbul , Turkey
₽7064
₽5734
₽4897
₽8665
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
29 500
income
-
-
-
4 682
health
-
-
-
4 278
pensions
-
-
-
5 900
total
-
-
-
14 860
Employee
14 840
-
24 082
-
health
742
-
1 204
-
unemployment
148
-
241
-
pensions
1 336
-
2 167
-
income
2 871
-
4 992
-
total
5 097
-
8 604
-
Employer
14 840
-
24 082
-
health
1 410
-
2 288
-
pensions
1 632
-
2 649
-
unemployment
297
-
482
-
total
3 339
-
5 419
-
Corporate
11 321
29 500
-
-
income
2 491
6 490
-
-
total
2 491
6 490
-
-
Dividends
8 830
23 010
-
-
withholding
1 766
4 602
-
-
total
1 766
4 602
-
-
Income
29 500
29 500
29 500
29 500
Total tax
12 693
11 092
14 023
14 860
After tax
16 807
18 408
15 477
14 640
Living cost
9 743
9 743
9 743
9 743
Free-cash
7 064
8 665
5 734
4 897

Estimated living cost  is ₽9743 per week

₽5790
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽790
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽223
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2940
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details
Athens , Greece
-₽2450
-₽1319
-₽616
₽952
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
29 500
pensions
-
-
-
5 900
unemployment
-
-
-
178
income
-
-
-
4 265
other
-
-
-
-
health
-
-
-
2 094
surtax
-
-
-
76
total
-
-
-
12 513
Employee
26 392
-
24 371
-
health
674
-
622
-
unemployment
1 837
-
1 697
-
pensions
1 761
-
1 626
-
income
4 425
-
4 085
-
other
-
-
-
-
surtax
94
-
57
-
total
8 791
-
8 087
-
Employer
26 392
-
24 371
-
health
1 200
-
1 109
-
pensions
3 519
-
3 248
-
unemployment
837
-
772
-
other
-
-
-
-
total
5 556
-
5 129
-
Corporate
-
29 500
-
-
income
-
7 670
-
-
total
-
7 670
-
-
Dividends
-
21 830
-
-
withholding
-
3 275
-
-
total
-
3 275
-
-
Income
29 500
29 500
29 500
29 500
Total tax
14 347
10 945
13 216
12 513
After tax
15 153
18 555
16 284
16 987
Living cost
17 603
17 603
17 603
17 603
Free-cash
-2 450
952
-1 319
-616

Estimated living cost  is ₽17603 per week

₽10628
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1530
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽409
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5037
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details
Graz , Austria
-₽15362
-₽14256
-₽8296
-₽13196
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
29 500
pensions
-
-
-
5 458
chamber of commerce
-
-
-
117
unemployment
-