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
₽ 31500
per

Your estimated
City
free-cash

Valencia , Spain
-₽8328
-₽5481
-₽4737
-₽1123
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
-
-
-
31 500
unemployment
-
-
-
220
income
-
-
-
4 327
other
-
-
-
31
accident
-
-
-
284
pensions
-
-
-
8 915
total
-
-
-
13 777
Employee
30 200
-
22 805
-
unemployment
468
-
423
-
pensions
1 420
-
1 282
-
income
5 822
-
4 093
-
other
29
-
28
-
total
7 739
-
5 826
-
Employer
30 200
-
22 805
-
pensions
7 127
-
6 437
-
accident
598
-
539
-
unemployment
1 662
-
1 500
-
other
242
-
219
-
total
9 629
-
8 695
-
Corporate
-
31 500
-
-
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.

-
4 726
-
-
total
-
4 726
-
-
Dividends
-
26 774
-
-
withholding
-
5 437
-
-
total
-
5 437
-
-
Income
31 500
31 500
31 500
31 500
Total tax
17 368
10 163
14 521
13 777
After tax
14 132
21 337
16 979
17 723
Living cost
22 460
22 460
22 460
22 460
Free-cash
-8 328
-1 123
-5 481
-4 737

Estimated living cost  is ₽22460 per week

₽15160
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2159
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽394
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.
₽4747
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
-₽5627
-₽3299
-₽4706
₽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
-
-
-
31 500
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.

-
-
-
7 559
income
-
-
-
4 002
other
-
-
-
1 496
health
-
-
-
1 386
total
-
-
-
14 443
Employee
29 655
-
25 159
-
health
415
-
352
-
unemployment
296
-
251
-
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.

2 075
-
1 761
-
income
5 105
-
4 331
-
total
7 891
-
6 695
-
Employer
29 655
-
25 159
-
health
415
-
352
-
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.

5 042
-
4 278
-
accident
237
-
201
-
unemployment
296
-
251
-
other
1 483
-
1 259
-
total
7 473
-
6 341
-
Corporate
-
31 500
-
-
income
-
6 615
-
-
total
-
6 615
-
-
Dividends
-
24 885
-
-
withholding
-
1 742
-
-
total
-
1 742
-
-
Income
31 500
31 500
31 500
31 500
Total tax
15 364
8 357
13 036
14 443
After tax
16 136
23 143
18 464
17 057
Living cost
21 763
21 763
21 763
21 763
Free-cash
-5 627
1 380
-3 299
-4 706

Estimated living cost  is ₽21763 per week

₽15377
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1469
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽350
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.
₽4566
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
₽12433
₽9179
₽8452
₽16226
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
-
-
-
31 500
pensions

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

-
-
-
4 222
unemployment
-
-
-
114
income
-
-
-
4 725
health
-
-
-
3 280
total
-
-
-
12 341
Employee
14 177
-
26 333
-
health
652
-
1 211
-
accident

We are using the highest rate at 1.1%.

156
-
290
-
pensions

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

1 245
-
2 312
-
income
1 417
-
2 634
-
total
3 470
-
6 447
-
Employer
14 177
-
26 333
-
health
979
-
1 817
-
pensions

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

1 562
-
2 902
-
accident

We are using the highest rate at 1.1%.

156
-
290
-
unemployment
85
-
158
-
total
2 782
-
5 167
-
Corporate
14 541
31 500
-
-
income
1 454
3 150
-
-
total
1 454
3 150
-
-
Dividends
13 087
28 350
-
-
withholding
654
1 417
-
-
total
654
1 417
-
-
Income
31 500
31 500
31 500
31 500
Total tax
8 360
4 567
11 614
12 341
After tax
23 140
26 933
19 886
19 159
Living cost
10 707
10 707
10 707
10 707
Free-cash
12 433
16 226
9 179
8 452

Estimated living cost  is ₽10707 per week

₽6251
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽765
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽284
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.
₽3408
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
-₽14371
-₽8076
-₽8718
-₽12068
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
-
-
-
31 500
income
-
-
-
640
other
-
-
-
976
health
-
-
-
274
social contributions
-
-
-
897
pensions
-
-
-
9 487
surtax
-
-
-
-
total
-
-
-
12 274
Employee
34 956
-
24 006
-
pensions
3 952
-
2 715
-
income
2 063
-
739
-
social contributions
997
-
684
-
surtax
-
-
-
-
total
7 012
-
4 138
-
Employer
34 956
-
24 006
-
health
2 447
-
1 680
-
social contributions
105
-
71
-
pensions
5 742
-
3 943
-
unemployment
1 415
-
972
-
other
1 206
-
828
-
total
10 915
-
7 494
-
Corporate
-
31 500
-
-
income
-
8 821
-
-
surtax
-
-
-
-
total
-
8 821
-
-
Dividends
-
22 679
-
-
social contributions
-
3 900
-
-
surtax
-
-
-
-
withholding
-
2 903
-
-
total
-
6 803
-
-
Income
31 500
31 500
31 500
31 500
Total tax
17 927
15 624
11 632
12 274
After tax
13 573
15 876
19 868
19 226
Living cost
27 944
27 944
27 944
27 944
Free-cash
-14 371
-12 068
-8 076
-8 718

Estimated living cost  is ₽27944 per week

₽17620
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2272
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽476
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7578
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
-₽49603
-₽49603
-₽16054
-₽45019
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
-
-
-
31 500
pensions
-
-
-
5 670
income
-
-
-
2 835
health
-
-
-
4 834
total
-
-
-
13 339
Employee
69 747
69 747
69 747
-
health
10 705
9 106
10 705
-
pensions
12 554
9 569
12 554
-
income

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

11 416
11 416
11 416
-
total
34 675
30 091
34 675
-
Employer
69 747
69 747
69 747
-
health
4 848
4 848
4 848
-
pensions
4 854
4 854
4 854
-
unemployment
2 511
2 511
2 511
-
total
12 213
12 213
12 213
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
31 500
31 500
31 500
31 500
Total tax
46 888
42 304
46 888
13 339
After tax
-15 388
-10 804
-15 388
18 161
Living cost
34 215
34 215
34 215
34 215
Free-cash
-49 603
-45 019
-49 603
-16 054

Estimated living cost  is ₽34215 per week

₽24247
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3084
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽544
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6339
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
₽53
₽192
₽192
-₽8668
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.

-
-
-
31 500
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.

-
-
-
938
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.

-
-
-
5 580
surtax

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

-
-
-
51
total
-
-
-
6 569
Employee

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

31 239
-
31 500
-
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.

5 580
-
5 580
-
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.

873
-
938
-
surtax

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

48
-
51
-
total
6 501
-
6 569
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
261
31 500
-
-
income
39
4 726
-
-
trade
42
4 961
-
-
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.

2
260
-
-
chamber of commerce
124
169
-
-
total
207
10 116
-
-
Dividends
55
21 384
-
-
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.

-
277
-
-
withholding
-
5 036
-
-
total
-
5 313
-
-
Income
31 500
31 500
31 500
31 500
Total tax
6 708
15 429
6 569
6 569
After tax
24 792
16 071
24 931
24 931
Living cost
24 739
24 739
24 739
24 739
Free-cash
53
-8 668
192
192

Estimated living cost  is ₽24739 per week

₽15561
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2884
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽462
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5831
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
-₽12
-₽12
₽6874
-₽5878
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
-
-
-
31 500
income
-
-
-
-
health
-
-
-
803
social contributions
-
-
-
4 913
total
-
-
-
5 716
Employee
62 804
62 804
62 804
-
health
487
1 068
487
-
income
6 838
5 814
6 840
-
social contributions
2 374
5 212
2 373
-
total
9 699
12 094
9 700
-
Employer
62 804
62 804
62 804
-
health
529
1 162
529
-
social contributions
2 374
5 212
2 373
-
total
2 903
6 374
2 902
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
31 500
31 500
31 500
31 500
Total tax
12 602
18 468
12 602
5 716
After tax
18 898
13 032
18 898
25 784
Living cost
18 910
18 910
18 910
18 910
Free-cash
-12
-5 878
-12
6 874

Estimated living cost  is ₽18910 per week

₽11333
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1855
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽418
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.
₽5304
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
-₽14985
-₽7573
-₽7048
-₽7702
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.

-
-
-
31 500
income
-
-
-
1 983
social contributions

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

-
-
-
10 946
surtax
-
-
-
-
total
-
-
-
12 929
Employee
37 564
-
25 454
-
income
7 813
-
4 610
-
social contributions
4 132
-
2 799
-
surtax
-
-
-
-
total
11 945
-
7 409
-
Employer
37 564
-
25 454
-
social contributions
8 921
-
6 045
-
total
8 921
-
6 045
-
Corporate
-
31 500
-
-
income
-
6 615
-
-
surtax
-
-
-
-
total
-
6 615
-
-
Dividends
-
24 885
-
-
withholding
-
6 968
-
-
total
-
6 968
-
-
Income
31 500
31 500
31 500
31 500
Total tax
20 866
13 583
13 454
12 929
After tax
10 634
17 917
18 046
18 571
Living cost
25 619
25 619
25 619
25 619
Free-cash
-14 985
-7 702
-7 573
-7 048

Estimated living cost  is ₽25619 per week

₽19168
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1511
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽428
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.
₽4512
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
₽22692
₽19109
₽25094
₽23834
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%.

-
-
-
31 500
microenterprise

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

-
-
-
315
total
-
-
-
315
Employee
7 614
-
31 500
-
income
1 523
-
6 300
-
total
1 523
-
6 300
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

23 886
31 500
-
-
total
-
-
-
-
Dividends
23 886
31 500
-
-
withholding
1 194
1 575
-
-
total
1 194
1 575
-
-
Income
31 500
31 500
31 500
31 500
Total tax
2 717
1 575
6 300
315
After tax
28 783
29 925
25 200
31 185
Living cost
6 091
6 091
6 091
6 091
Free-cash
22 692
23 834
19 109
25 094

Estimated living cost  is ₽6091 per week

₽3775
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽506
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.
₽1643
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
-₽10240
-₽5043
-₽4040
-₽218
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.

-
-
-
31 500
pensions
-
-
-
5 753
unemployment
-
-
-
46
income
-
-
-
4 736
health
-
-
-
3 098
total
-
-
-
13 633
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.

36 117
-
27 255
-
health
2 333
-
1 761
-
unemployment
51
-
39
-
pensions
5 598
-
4 225
-
income
6 228
-
4 365
-
total
14 210
-
10 390
-
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.

36 117
-
27 255
-
health
2 405
-
1 817
-
pensions
3 196
-
2 412
-
unemployment
22
-
17
-
total
5 623
-
4 246
-
Corporate
-
31 500
-
-
income
-
5 984
-
-
total
-
5 984
-
-
Dividends
-
25 516
-
-
withholding
-
3 827
-
-
total
-
3 827
-
-
Income
31 500
31 500
31 500
31 500
Total tax
19 833
9 811
14 636
13 633
After tax
11 667
21 689
16 864
17 867
Living cost
21 907
21 907
21 907
21 907
Free-cash
-10 240
-218
-5 043
-4 040

Estimated living cost  is ₽21907 per week

₽15034
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1404
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽425
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.
₽5045
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
-₽12159
-₽5963
-₽26568
-₽12245
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.

-
-
-
31 500
income
-
-
-
23 249
health

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

-
-
-
5 171
total
-
-
-
28 420
Employee
37 468
-
28 631
-
social contributions
3 754
-
2 869
-
income
4 065
-
2 077
-
total
7 819
-
4 946
-
Employer
37 468
-
28 631
-
social contributions
3 754
-
2 869
-
total
3 754
-
2 869
-
Corporate
-
31 500
-
-
income
-
11 025
-
-
total
-
11 025
-
-
Dividends
-
20 475
-
-
social contributions
2 438
3 072
-
-
total
2 438
3 072
-
-
Income
31 500
31 500
31 500
31 500
Total tax
14 011
14 097
7 815
28 420
After tax
17 489
17 403
23 685
3 080
Living cost
29 648
29 648
29 648
29 648
Free-cash
-12 159
-12 245
-5 963
-26 568

Estimated living cost  is ₽29648 per week

₽19529
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2337
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽454
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.
₽7327
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
₽929
₽2139
₽2908
₽1899
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
-
-
-
31 500
income
-
-
-
4 726
health
-
-
-
2 199
social contributions
-
-
-
4 348
total
-
-
-
11 273
Employee
27 693
-
31 500
-
health
1 933
-
2 199
-
income
4 619
-
5 495
-
social contributions
3 822
-
4 348
-
total
10 374
-
12 042
-
Employer
27 693
-
31 500
-
total
-
-
-
-
Corporate
3 807
31 500
-
-
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%.

191
1 575
-
-
total
191
1 575
-
-
Dividends
3 617
29 925
-
-
social contributions
1 424
4 129
-
-
withholding
542
4 489
-
-
health
721
2 089
-
-
total
2 687
10 707
-
-
Income
31 500
31 500
31 500
31 500
Total tax
13 252
12 282
12 042
11 273
After tax
18 248
19 218
19 458
20 227
Living cost
17 319
17 319
17 319
17 319
Free-cash
929
1 899
2 139
2 908

Estimated living cost  is ₽17319 per week

₽11590
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1068
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽398
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.
₽4261
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
-₽13361
-₽6780
-₽7422
-₽1077
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
-
-
-
31 500
income
-
-
-
2 707
health
-
-
-
4 252
social contributions
-
-
-
9 198
solidarity contribution
-
-
-
-
total
-
-
-
16 157
Employee
33 479
-
23 507
-
health
4 520
-
3 173
-
solidarity contribution
-
-
-
-
income
4 017
-
2 821
-
social contributions
2 176
-
1 528
-
total
10 713
-
7 522
-
Employer
33 479
-
23 507
-
health
3 013
-
2 116
-
social contributions
8 370
-
5 877
-
total
11 383
-
7 993
-
Corporate
-
31 500
-
-
income
-
5 985
-
-
total
-
5 985
-
-
Dividends
-
25 515
-
-
withholding
-
3 827
-
-
total
-
3 827
-
-
Income
31 500
31 500
31 500
31 500
Total tax
22 096
9 812
15 515
16 157
After tax
9 404
21 688
15 985
15 343
Living cost
22 765
22 765
22 765
22 765
Free-cash
-13 361
-1 077
-6 780
-7 422

Estimated living cost  is ₽22765 per week

₽16930
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1261
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽394
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.
₽4181
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
₽18653
₽15708
₽21693
₽20433
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%.

-
-
-
31 500
microenterprise

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

-
-
-
315
total
-
-
-
315
Employee
11 865
-
31 500
-
income
2 373
-
6 300
-
total
2 373
-
6 300
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

19 635
31 500
-
-
total
-
-
-
-
Dividends
19 635
31 500
-
-
withholding
982
1 575
-
-
total
982
1 575
-
-
Income
31 500
31 500
31 500
31 500
Total tax
3 355
1 575
6 300
315
After tax
28 145
29 925
25 200
31 185
Living cost
9 492
9 492
9 492
9 492
Free-cash
18 653
20 433
15 708
21 693

Estimated living cost  is ₽9492 per week

₽6423
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽398
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽318
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.
₽2352
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
-₽35629
-₽19580
-₽20222
-₽23572
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
-
-
-
31 500
income
-
-
-
640
other
-
-
-
976
health
-
-
-
274
social contributions
-
-
-
897
pensions
-
-
-
9 487
surtax
-
-
-
-
total
-
-
-
12 274
Employee
51 154
-
24 006
-
pensions
5 786
-
2 715
-
income
4 463
-
739
-
social contributions
1 457
-
684
-
surtax
-
-
-
-
total
11 706
-
4 138
-
Employer
51 154
-
24 006
-
health
3 580
-
1 680
-
social contributions
153
-
71
-
pensions
8 405
-
3 943
-
unemployment
2 072
-
972
-
other
1 765
-
828
-
total
15 975
-
7 494
-
Corporate
-
31 500
-
-
income
-
8 821
-
-
surtax
-
-
-
-
total
-
8 821
-
-
Dividends
-
22 679
-
-
social contributions
-
3 900
-
-
surtax
-
-
-
-
withholding
-
2 903
-
-
total
-
6 803
-
-
Income
31 500
31 500
31 500
31 500
Total tax
27 681
15 624
11 632
12 274
After tax
3 819
15 876
19 868
19 226
Living cost
39 448
39 448
39 448
39 448
Free-cash
-35 629
-23 572
-19 580
-20 222

Estimated living cost  is ₽39448 per week

₽26698
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3227
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽541
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.
₽8982
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
₽4679
₽3301
₽1945
₽8684
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.

-
-
-
31 500
pensions
-
-
-
8 190
unemployment
-
-
-
472
income
-
-
-
3 574
health
-
-
-
3 244
total
-
-
-
15 480
Employee

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

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

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

21 224
-
26 718
-
health
1 093
-
1 376
-
unemployment
159
-
200
-
pensions
2 971
-
3 740
-
income
2 926
-
4 026
-
total
7 149
-
9 342
-
Employer

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

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

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

21 224
-
26 718
-
health
1 093
-
1 376
-
pensions
2 547
-
3 206
-
unemployment
159
-
200
-
total
3 799
-
4 782
-
Corporate
6 477
31 500
-
-
income
972
4 725
-
-
total
972
4 725
-
-
Dividends
5 505
26 775
-
-
withholding
826
4 016
-
-
total
826
4 016
-
-
Income
31 500
31 500
31 500
31 500
Total tax
12 746
8 741
14 124
15 480
After tax
18 754
22 759
17 376
16 020
Living cost
14 075
14 075
14 075
14 075
Free-cash
4 679
8 684
3 301
1 945

Estimated living cost  is ₽14075 per week

₽9477
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1089
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽407
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.
₽3102
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
-₽41259
-₽31936
-₽29876
-₽42363
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
-
-
-
31 500
pensions
-
-
-
2 897
city
-
-
-
331
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.

-
-
-
630
health
-
-
-
185
regional
-
-
-
515
national
-
-
-
51
total
-
-
-
4 609
Employee
66 432
-
27 942
-
health
150
-
63
-
unemployment
-
-
-
-
city
713
-
297
-
pensions
5 581
-
2 629
-
regional
2 175
-
401
-
national
314
-
29
-
total
8 933
-
3 419
-
Employer
66 432
-
27 942
-
health
150
-
63
-
pensions
5 581
-
2 629
-
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.

1 328
-
558
-
total
7 059
-
3 250
-
Corporate
-
31 500
-
-
regional
-
6 662
-
-
national
-
2 677
-
-
total
-
9 339
-
-
Dividends
-
22 162
-
-
withholding
-
7 757
-
-
total
-
7 757
-
-
Income
31 500
31 500
31 500
31 500
Total tax
15 992
17 096
6 669
4 609
After tax
15 508
14 404
24 831
26 891
Living cost
56 767
56 767
56 767
56 767
Free-cash
-41 259
-42 363
-31 936
-29 876

Estimated living cost  is ₽56767 per week

₽36915
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5094
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽697
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.
₽14061
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
-₽19578
-₽11475
-₽5889
-₽9559
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

-
-
-
31 500
municipal
-
-
-
5 643
health
-
-
-
144
national
-
-
-
245
total
-
-
-
6 032
Employee
42 971
-
26 500
-
health
321
-
67
-
unemployment
645
-
397
-
pensions
2 900
-
1 789
-
national
710
-
-
-
municipal
7 038
-
4 365
-
total
11 614
-
6 618
-
Employer
42 971
-
26 500
-
health
330
-
205
-
pensions
7 455
-
4 597
-
accident
43
-
26
-
unemployment
279
-
172
-
total
8 107
-
5 000
-
Corporate
-
31 500
-
-
income
-
6 300
-
-
total
-
6 300
-
-
Dividends

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

-
18 900
-
-
municipal
-
3 402
-
-
national
-
-
-
-
total
-
3 402
-
-
Income
31 500
31 500
31 500
31 500
Total tax
19 721
9 702
11 618
6 032
After tax
11 779
21 798
19 882
25 468
Living cost
31 357
31 357
31 357
31 357
Free-cash
-19 578
-9 559
-11 475
-5 889

Estimated living cost  is ₽31357 per week

₽20482
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3016
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.
₽7361
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
-₽43928
-₽15242
-₽10881
-₽11930
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
-
-
-
31 500
communal

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

-
-
-
1 758
social contributions
-
-
-
2 204
national
-
-
-
8 639
total
-
-
-
12 601
Employee

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

58 422
-
24 397
-
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.

2 745
-
1 147
-
communal

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

3 047
-
1 272
-
unemployment

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

508
-
212
-
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.

4 382
-
1 830
-
national
17 961
-
5 402
-
total
28 643
-
9 863
-
Employer

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

58 422
-
24 397
-
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.

3 593
-
1 500
-
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.

5 177
-
2 162
-
surtax
6 624
-
2 765
-
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.

759
-
316
-
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.

852
-
356
-
total
17 005
-
7 099
-
Corporate
-
31 500
-
-
income
-
6 300
-
-
surtax
-
126
-
-
total
-
6 426
-
-
Dividends
-
25 074
-
-
withholding

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

-
7 224
-
-
total
-
7 224
-
-
Income
31 500
31 500
31 500
31 500
Total tax
45 648
13 650
16 962
12 601
After tax
-14 148
17 850
14 538
18 899
Living cost
29 780
29 780
29 780
29 780
Free-cash
-43 928
-11 930
-15 242
-10 881

Estimated living cost  is ₽29780 per week

₽19182
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2604
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽467
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.
₽7528
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
-₽34482
-₽18415
-₽19534
-₽18037
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
-
-
-
31 500
unemployment
-
-
-
32
municipal
-
-
-
6 672
other
-
-
-
3 660
health
-
-
-
1 966
national
-
-
-
-
accident
-
-
-
63
pensions
-
-
-
3 405
total
-
-
-
15 798
Employee
50 208
-
23 969
-
national
-
-
-
-
municipal
14 972
-
7 148
-
total
14 972
-
7 148
-
Employer
50 208
-
23 969
-
health
3 088
-
1 474
-
pensions
5 427
-
2 591
-
accident
100
-
48
-
unemployment
1 325
-
633
-
other
5 834
-
2 785
-
total
15 774
-
7 531
-
Corporate
-
31 500
-
-
income
-
6 930
-
-
total
-
6 930
-
-
Dividends
-
24 570
-
-
withholding
-
7 371
-
-
total
-
7 371
-
-
Income
31 500
31 500
31 500
31 500
Total tax
30 746
14 301
14 679
15 798
After tax
754
17 199
16 821
15 702
Living cost
35 236
35 236
35 236
35 236
Free-cash
-34 482
-18 037
-18 415
-19 534

Estimated living cost  is ₽35236 per week

₽23353
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3458
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.
₽7890
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
-₽102628
-₽19634
-₽17046
-₽19650
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
-
-
-
31 500
income
-
-
-
6 140
social contributions
-
-
-
3 591
total
-
-
-
9 731
Employee
55 654
-
2 854
-
income
12 276
-
485
-
social contributions
4 564
-
650
-
total
16 840
-
1 135
-
Employer
55 654
-
2 854
-
social contributions
78 473
-
11 184
-
total
78 473
-
11 184
-
Corporate
-
31 500
-
-
income
-
6 930
-
-
total
-
6 930
-
-
Dividends
-
24 570
-
-
income
-
5 405
-
-
total
-
5 405
-
-
Income
31 500
31 500
31 500
31 500
Total tax
95 313
12 335
12 319
9 731
After tax
-63 813
19 165
19 181
21 769
Living cost
38 814
38 814
38 814
38 814
Free-cash
-102 628
-19 650
-19 634
-17 046

Estimated living cost  is ₽38814 per week

₽25184
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3650
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.
₽9485
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
-₽8995
-₽7593
-₽707
-₽13459
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
-
-
-
31 500
income
-
-
-
-
health
-
-
-
803
social contributions
-
-
-
4 913
total
-
-
-
5 716
Employee
62 804
62 804
62 804
-
health
625
1 068
487
-
income
6 595
5 814
6 840
-
social contributions
3 052
5 212
2 373
-
total
10 272
12 094
9 700
-
Employer
62 804
62 804
62 804
-
health
680
1 162
529
-
social contributions
3 052
5 212
2 373
-
total
3 732
6 374
2 902
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
31 500
31 500
31 500
31 500
Total tax
14 004
18 468
12 602
5 716
After tax
17 496
13 032
18 898
25 784
Living cost
26 491
26 491
26 491
26 491
Free-cash
-8 995
-13 459
-7 593
-707

Estimated living cost  is ₽26491 per week

₽18109
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2069
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽445
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.
₽5868
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
-₽13261
-₽7882
-₽5135
-₽5513
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
-
-
-
31 500
income
-
-
-
5 995
pensions
-
-
-
1 526
total
-
-
-
7 521
Employee
39 963
-
28 503
-
health
521
-
287
-
pensions
3 050
-
1 676
-
income
7 278
-
5 308
-
total
10 849
-
7 271
-
Employer
39 963
-
28 503
-
health
760
-
542
-
pensions
4 038
-
2 455
-
total
4 798
-
2 997
-
Corporate
-
31 500
-
-
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.

-
5 985
-
-
total
-
5 985
-
-
Dividends
-
25 515
-
-
withholding
-
1 914
-
-
total
-
1 914
-
-
Income
31 500
31 500
31 500
31 500
Total tax
15 647
7 899
10 268
7 521
After tax
15 853
23 601
21 232
23 979
Living cost
29 114
29 114
29 114
29 114
Free-cash
-13 261
-5 513
-7 882
-5 135

Estimated living cost  is ₽29114 per week

₽19972
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2677
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽364
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.
₽6099
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
-₽37325
-₽17010
-₽15144
-₽15946
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
-
-
-
31 500
municipal
-
-
-
211
regional
-
-
-
407
social contributions
-
-
-
8 101
national
-
-
-
5 388
total
-
-
-
14 107
Employee
68 824
-
31 500
-
social contributions
23 207
-
10 622
-
regional
1 039
-
361
-
national
11 631
-
4 802
-
municipal
411
-
188
-
total
36 288
-
15 973
-
Employer
68 824
-
31 500
-
total
-
-
-
-
Corporate
-
31 500
-
-
nationa
-
7 561
-
-
municipal
-
1 519
-
-
total
-
9 080
-
-
Dividends
-
22 420
-
-
withholding
-
5 829
-
-
total
-
5 829
-
-
Income
31 500
31 500
31 500
31 500
Total tax
36 288
14 909
15 973
14 107
After tax
-4 788
16 591
15 527
17 393
Living cost
32 537
32 537
32 537
32 537
Free-cash
-37 325
-15 946
-17 010
-15 144

Estimated living cost  is ₽32537 per week

₽22855
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2238
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽491
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.
₽6951
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
-₽1248
-₽660
₽4113
-₽14743
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
-
-
-
31 500
pensions
-
-
-
3 271
income
-
-
-
4 619
other
-
-
-
291
health
-
-
-
1 714
accident
-
-
-
198
total
-
-
-
10 093
Employee
27 204
-
26 167
-
health
3 115
-
2 996
-
pensions
3 063
-
2 947
-
income
3 732
-
3 590
-
total
9 910
-
9 533
-
Employer
27 204
-
26 167
-
pensions
4 424
-
4 255
-
accident
454
-
437
-
unemployment
666
-
641
-
total
5 544
-
5 333
-
Corporate
-
31 500
-
-
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.

-
28 350
-
-
total
-
28 350
-
-
Dividends
-
3 150
-
-
withholding
-
599
-
-
total
-
599
-
-
Income
31 500
31 500
31 500
31 500
Total tax
15 454
28 949
14 866
10 093
After tax
16 046
2 551
16 634
21 407
Living cost
17 294
17 294
17 294
17 294
Free-cash
-1 248
-14 743
-660
4 113

Estimated living cost  is ₽17294 per week

₽12675
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽958
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽361
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.
₽3300
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
-₽9138
-₽6601
-₽6601
-₽15138
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.

-
-
-
31 500
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.

-
-
-
938
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.

-
-
-
5 580
surtax

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

-
-
-
51
total
-
-
-
6 569
Employee

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

40 638
-
31 500
-
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.

5 580
-
5 580
-
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.

3 342
-
938
-
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.

184
-
51
-
total
9 106
-
6 569
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
31 500
-
-
income
-
4 726
-
-
trade
-
4 520
-
-
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.

-
260
-
-
chamber of commerce
-
170
-
-
total
-
9 676
-
-
Dividends
-
21 824
-
-
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.

-
284
-
-
withholding
-
5 146
-
-
total
-
5 430
-
-
Income
31 500
31 500
31 500
31 500
Total tax
9 106
15 106
6 569
6 569
After tax
22 394
16 394
24 931
24 931
Living cost
31 532
31 532
31 532
31 532
Free-cash
-9 138
-15 138
-6 601
-6 601

Estimated living cost  is ₽31532 per week

₽21752
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3393
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.
₽5930
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
₽1508
₽1083
₽7211
₽8208
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.

-
-
-
31 500
income
-
-
-
-
microenterprise
-
-
-
4 726
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.

-
-
-
2 571
surtax
-
-
-
-
total
-
-
-
7 297
Employee
23 866
-
25 384
-
income
4 248
-
4 518
-
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.

2 626
-
2 793
-
surtax
-
-
-
-
total
6 874
-
7 311
-
Employer
23 866
-
25 384
-
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.

5 749
-
6 114
-
surtax
-
-
-
-
total
5 749
-
6 114
-
Corporate
1 886
31 500
-
-
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%.

377
6 300
-
-
total
377
6 300
-
-
Dividends

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

1 509
25 200
-
-
total
-
-
-
-
Income
31 500
31 500
31 500
31 500
Total tax
13 000
6 300
13 425
7 297
After tax
18 500
25 200
18 075
24 203
Living cost
16 992
16 992
16 992
16 992
Free-cash
1 508
8 208
1 083
7 211

Estimated living cost  is ₽16992 per week

₽10840
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1618
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽386
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.
₽4148
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
₽7969
₽6469
₽5575
₽9618
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
-
-
-
31 500
income
-
-
-
5 020
health
-
-
-
4 567
pensions
-
-
-
6 300
total
-
-
-
15 887
Employee
15 289
-
25 714
-
health
764
-
1 286
-
unemployment
153
-
257
-
pensions
1 376
-
2 314
-
income
2 958
-
5 350
-
total
5 251
-
9 207
-
Employer
15 289
-
25 714
-
health
1 453
-
2 443
-
pensions
1 682
-
2 829
-
unemployment
306
-
514
-
total
3 441
-
5 786
-
Corporate
12 770
31 500
-
-
income
2 809
6 930
-
-
total
2 809
6 930
-
-
Dividends
9 961
24 570
-
-
withholding
1 992
4 914
-
-
total
1 992
4 914
-
-
Income
31 500
31 500
31 500
31 500
Total tax
13 493
11 844
14 993
15 887
After tax
18 007
19 656
16 507
15 613
Living cost
10 038
10 038
10 038
10 038
Free-cash
7 969
9 618
6 469
5 575

Estimated living cost  is ₽10038 per week

₽5965
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽814
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽230
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.
₽3029
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
-₽1796
-₽967
-₽214
₽1468
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
-
-
-
31 500
pensions
-
-
-
6 300
unemployment
-
-
-
186
income
-
-
-
4 555
other
-
-
-
-
health
-
-
-
2 237
surtax
-
-
-
91
total
-
-
-
13 369
Employee
27 505
-
26 023
-
health
702
-
663
-
unemployment
1 914
-
1 812
-
pensions
1 835
-
1 736
-
income
4 611
-
4 362
-
other
-
-
-
-
surtax
98
-
71
-
total
9 160
-
8 644
-
Employer
27 505
-
26 023
-
health
1 251
-
1 184
-
pensions
3 667
-
3 469
-
unemployment
873
-
825
-
other
-
-
-
-
total
5 791
-
5 478
-
Corporate
-
31 500
-
-
income
-
8 190
-
-
total
-
8 190
-
-
Dividends
-
23 310
-
-
withholding
-
3 497
-
-
total
-
3 497
-
-
Income
31 500
31 500
31 500
31 500
Total tax
14 951
11 687
14 122
13 369
After tax
16 549
19 813
17 378
18 131
Living cost
18 345
18 345
18 345
18 345
Free-cash
-1 796
1 468
-967
-214

Estimated living cost  is ₽18345 per week

₽11076
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1595
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽426
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.
₽5250
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
-₽15251
-₽14461
-₽8231
-₽12993
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
-
-
-
31 500
pensions
-
-
-
5 828
chamber of commerce
-
-
-
126
unemployment
-
- <