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
₽ 32500
per

Your estimated
City
free-cash

Valencia , Spain
-₽6886
-₽5787
-₽2088
-₽10259
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
-
-
-
32 500
income
-
-
-
4 424
accident
-
-
-
293
unemployment
-
-
-
228
pensions
-
-
-
9 197
other
-
-
-
33
total
-
-
-
14 175
Employee
32 422
-
23 165
-
other
32
-
30
-
income
6 251
-
4 078
-
unemployment
503
-
454
-
pensions
1 524
-
1 376
-
total
8 310
-
5 938
-
Employer
32 422
-
23 165
-
unemployment
1 784
-
1 611
-
pensions
7 651
-
6 911
-
other
260
-
235
-
accident
642
-
579
-
total
10 337
-
9 336
-
Corporate
-
32 500
-
-
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.

-
4 875
-
-
total
-
4 875
-
-
Dividends
-
27 625
-
-
withholding
-
5 601
-
-
total
-
5 601
-
-
Income
32 500
32 500
32 500
32 500
Total tax
18 647
10 476
15 274
14 175
After tax
13 853
22 024
17 226
18 325
Living cost
24 112
24 112
24 112
24 112
Free-cash
-10 259
-2 088
-6 886
-5 787

Estimated living cost  is ₽24112 per week

₽16275
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2318
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽423
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.
₽5097
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
-₽4315
-₽5766
₽513
-₽7361
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
-
-
-
32 500
income
-
-
-
4 128
health
-
-
-
1 429
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.

-
-
-
7 801
other
-
-
-
1 544
total
-
-
-
14 902
Employee
31 838
-
25 959
-
income
5 481
-
4 469
-
health
446
-
363
-
unemployment
318
-
260
-
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.

2 228
-
1 817
-
total
8 473
-
6 909
-
Employer
31 838
-
25 959
-
unemployment
318
-
260
-
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.

5 413
-
4 413
-
other
1 592
-
1 298
-
accident
255
-
208
-
health
446
-
363
-
total
8 024
-
6 542
-
Corporate
-
32 500
-
-
income
-
6 826
-
-
total
-
6 826
-
-
Dividends
-
25 674
-
-
withholding
-
1 797
-
-
total
-
1 797
-
-
Income
32 500
32 500
32 500
32 500
Total tax
16 497
8 623
13 451
14 902
After tax
16 003
23 877
19 049
17 598
Living cost
23 364
23 364
23 364
23 364
Free-cash
-7 361
513
-4 315
-5 766

Estimated living cost  is ₽23364 per week

₽16508
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1577
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽376
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4902
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
₽9045
₽7991
₽16315
₽12251
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
-
-
-
32 500
income
-
-
-
4 875
health
-
-
-
3 515
unemployment
-
-
-
122
pensions

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

-
-
-
4 524
total
-
-
-
13 036
Employee
15 192
-
27 169
-
income
1 519
-
2 717
-
health
699
-
1 250
-
accident

We are using the highest rate at 1.1%.

167
-
299
-
pensions

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

1 334
-
2 385
-
total
3 719
-
6 651
-
Employer
15 192
-
27 169
-
unemployment
91
-
163
-
pensions

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

1 674
-
2 994
-
accident

We are using the highest rate at 1.1%.

167
-
299
-
health
1 049
-
1 875
-
total
2 981
-
5 331
-
Corporate
14 327
32 500
-
-
income
1 432
3 250
-
-
total
1 432
3 250
-
-
Dividends
12 894
29 250
-
-
withholding
644
1 462
-
-
total
644
1 462
-
-
Income
32 500
32 500
32 500
32 500
Total tax
8 776
4 712
11 982
13 036
After tax
23 724
27 788
20 518
19 464
Living cost
11 473
11 473
11 473
11 473
Free-cash
12 251
16 315
9 045
7 991

Estimated living cost  is ₽11473 per week

₽6698
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽819
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽304
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3652
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
-₽9412
-₽10121
-₽13620
-₽16747
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
-
-
-
32 500
income
-
-
-
562
social contributions
-
-
-
927
health
-
-
-
283
surtax
-
-
-
-
pensions
-
-
-
9 842
other
-
-
-
1 007
total
-
-
-
12 621
Employee
37 528
-
24 761
-
income
2 215
-
671
-
social contributions
1 070
-
706
-
surtax
-
-
-
-
pensions
4 243
-
2 802
-
total
7 528
-
4 179
-
Employer
37 528
-
24 761
-
unemployment
1 519
-
1 003
-
social contributions
113
-
75
-
pensions
6 165
-
4 067
-
other
1 295
-
854
-
health
2 627
-
1 734
-
total
11 719
-
7 733
-
Corporate
-
32 500
-
-
income
-
9 100
-
-
surtax
-
-
-
-
total
-
9 100
-
-
Dividends
-
23 400
-
-
withholding
-
2 995
-
-
surtax
-
-
-
-
social contributions
-
4 025
-
-
total
-
7 020
-
-
Income
32 500
32 500
32 500
32 500
Total tax
19 247
16 120
11 912
12 621
After tax
13 253
16 380
20 588
19 879
Living cost
30 000
30 000
30 000
30 000
Free-cash
-16 747
-13 620
-9 412
-10 121

Estimated living cost  is ₽30000 per week

₽18916
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2439
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽511
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.
₽8135
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
-₽54573
-₽17997
-₽49651
-₽54573
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
-
-
-
32 500
income
-
-
-
2 925
health
-
-
-
4 989
pensions
-
-
-
5 851
total
-
-
-
13 765
Employee
74 879
74 879
74 879
-
income

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

12 257
12 257
12 257
-
health
11 493
9 776
11 493
-
pensions
13 478
10 273
13 478
-
total
37 228
32 306
37 228
-
Employer
74 879
74 879
74 879
-
unemployment
2 696
2 696
2 696
-
pensions
5 212
5 212
5 212
-
health
5 205
5 205
5 205
-
total
13 113
13 113
13 113
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Income
32 500
32 500
32 500
32 500
Total tax
50 341
45 419
50 341
13 765
After tax
-17 841
-12 919
-17 841
18 735
Living cost
36 732
36 732
36 732
36 732
Free-cash
-54 573
-49 651
-54 573
-17 997

Estimated living cost  is ₽36732 per week

₽26031
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3311
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽584
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.
₽6806
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
-₽765
-₽765
-₽9967
-₽1038
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.

-
-
-
32 500
income

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

-
-
-
679
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.

-
-
-
5 990
trade
-
-
-
-
surtax

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

-
-
-
37
total
-
-
-
6 706
Employee

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

33 538
-
32 500
-
income

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

937
-
679
-
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.

5 990
-
5 990
-
surtax

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

52
-
37
-
total
6 979
-
6 706
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
32 500
-
-
chamber of commerce
-
180
-
-
income
-
4 875
-
-
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.

-
268
-
-
trade
-
5 118
-
-
total
-
10 441
-
-
Dividends
-
22 058
-
-
withholding
-
5 182
-
-
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.

-
285
-
-
total
-
5 467
-
-
Income
32 500
32 500
32 500
32 500
Total tax
6 979
15 908
6 706
6 706
After tax
25 521
16 592
25 794
25 794
Living cost
26 559
26 559
26 559
26 559
Free-cash
-1 038
-9 967
-765
-765

Estimated living cost  is ₽26559 per week

₽16706
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3097
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽496
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6260
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
-₽1125
₽6148
-₽7630
-₽1331
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
33 334
income
-
-
-
-
social contributions
-
-
-
5 200
health
-
-
-
850
total
-
-
-
6 050
Employee
67 426
67 426
67 426
-
income
7 342
6 242
7 378
-
social contributions
2 549
5 596
2 449
-
health
522
1 146
501
-
total
10 413
12 984
10 328
-
Employer
67 426
67 426
67 426
-
social contributions
2 549
5 596
2 449
-
health
567
1 248
546
-
total
3 116
6 844
2 995
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
32 500
32 500
32 500
32 500
Total tax
13 529
19 828
13 323
6 050
After tax
18 971
12 672
19 177
26 450
Living cost
20 302
20 302
20 302
20 302
Free-cash
-1 331
-7 630
-1 125
6 148

Estimated living cost  is ₽20302 per week

₽12167
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1992
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽449
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5694
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
-₽8810
-₽8302
-₽9018
-₽17406
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.

-
-
-
32 500
income
-
-
-
2 005
social contributions

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

-
-
-
11 293
surtax
-
-
-
-
total
-
-
-
13 298
Employee
40 328
-
26 262
-
income
8 388
-
4 680
-
social contributions
4 436
-
2 889
-
surtax
-
-
-
-
total
12 824
-
7 569
-
Employer
40 328
-
26 262
-
social contributions
9 578
-
6 237
-
total
9 578
-
6 237
-
Corporate
-
32 500
-
-
income
-
6 826
-
-
surtax
-
-
-
-
total
-
6 826
-
-
Dividends
-
25 674
-
-
withholding
-
7 188
-
-
total
-
7 188
-
-
Income
32 500
32 500
32 500
32 500
Total tax
22 402
14 014
13 806
13 298
After tax
10 098
18 486
18 694
19 202
Living cost
27 504
27 504
27 504
27 504
Free-cash
-17 406
-9 018
-8 810
-8 302

Estimated living cost  is ₽27504 per week

₽20579
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1622
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽459
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4844
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
₽19715
₽25890
₽24590
₽23412
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%.

-
-
-
32 500
microenterprise

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

-
-
-
325
total
-
-
-
325
Employee
7 857
-
32 500
-
income
1 571
-
6 500
-
total
1 571
-
6 500
-
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%.

24 643
32 500
-
-
total
-
-
-
-
Dividends
24 643
32 500
-
-
withholding
1 232
1 625
-
-
total
1 232
1 625
-
-
Income
32 500
32 500
32 500
32 500
Total tax
2 803
1 625
6 500
325
After tax
29 697
30 875
26 000
32 175
Living cost
6 285
6 285
6 285
6 285
Free-cash
23 412
24 590
19 715
25 890

Estimated living cost  is ₽6285 per week

₽3895
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽522
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽173
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽1695
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

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

Ljubljana , Slovenia
-₽6061
-₽5028
-₽1143
-₽12312
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.

-
-
-
32 500
income
-
-
-
4 828
health
-
-
-
3 198
unemployment
-
-
-
48
pensions
-
-
-
5 935
total
-
-
-
14 009
Employee

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

38 775
-
28 120
-
income
6 687
-
4 447
-
health
2 504
-
1 817
-
unemployment
55
-
40
-
pensions
6 010
-
4 358
-
total
15 256
-
10 662
-
Employer

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

38 775
-
28 120
-
unemployment
23
-
17
-
pensions
3 431
-
2 489
-
health
2 583
-
1 874
-
total
6 037
-
4 380
-
Corporate
-
32 500
-
-
income
-
6 175
-
-
total
-
6 175
-
-
Dividends
-
26 325
-
-
withholding
-
3 949
-
-
total
-
3 949
-
-
Income
32 500
32 500
32 500
32 500
Total tax
21 293
10 124
15 042
14 009
After tax
11 207
22 376
17 458
18 491
Living cost
23 519
23 519
23 519
23 519
Free-cash
-12 312
-1 143
-6 061
-5 028

Estimated living cost  is ₽23519 per week

₽16141
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1508
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽456
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5416
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
-₽7210
-₽29999
-₽13873
-₽14372
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.

-
-
-
32 500
income
-
-
-
24 960
health

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

-
-
-
5 709
total
-
-
-
30 669
Employee
40 225
-
29 540
-
social contributions
4 030
-
2 960
-
income
4 365
-
1 960
-
total
8 395
-
4 920
-
Employer
40 225
-
29 540
-
social contributions
4 030
-
2 960
-
total
4 030
-
2 960
-
Corporate
-
32 500
-
-
income
-
11 375
-
-
total
-
11 375
-
-
Dividends
-
21 125
-
-
social contributions
2 617
3 168
-
-
total
2 617
3 168
-
-
Income
32 500
32 500
32 500
32 500
Total tax
15 042
14 543
7 880
30 669
After tax
17 458
17 957
24 620
1 831
Living cost
31 830
31 830
31 830
31 830
Free-cash
-14 372
-13 873
-7 210
-29 999

Estimated living cost  is ₽31830 per week

₽20966
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2509
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽488
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.
₽7866
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
₽1559
₽2280
₽1234
-₽65
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
-
-
-
32 500
income
-
-
-
4 875
social contributions
-
-
-
4 484
health
-
-
-
2 268
total
-
-
-
11 627
Employee
29 730
-
32 500
-
income
4 959
-
5 596
-
social contributions
4 103
-
4 484
-
health
2 075
-
2 268
-
total
11 137
-
12 348
-
Employer
29 730
-
32 500
-
total
-
-
-
-
Corporate
2 770
32 500
-
-
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%.

138
1 626
-
-
total
138
1 626
-
-
Dividends
2 631
30 874
-
-
withholding
394
4 631
-
-
health
774
2 155
-
-
social contributions
1 529
4 261
-
-
total
2 697
11 047
-
-
Income
32 500
32 500
32 500
32 500
Total tax
13 972
12 673
12 348
11 627
After tax
18 528
19 827
20 152
20 873
Living cost
18 593
18 593
18 593
18 593
Free-cash
-65
1 234
1 559
2 280

Estimated living cost  is ₽18593 per week

₽12443
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1146
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.
₽4574
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
-₽7266
-₽7930
-₽1384
-₽14321
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
-
-
-
32 500
income
-
-
-
2 793
social contributions
-
-
-
9 490
solidarity contribution
-
-
-
-
health
-
-
-
4 387
total
-
-
-
16 670
Employee
34 941
-
24 254
-
solidarity contribution
-
-
-
-
income
4 193
-
2 910
-
social contributions
2 271
-
1 576
-
health
4 717
-
3 274
-
total
11 181
-
7 760
-
Employer
34 941
-
24 254
-
social contributions
8 735
-
6 063
-
health
3 145
-
2 183
-
total
11 880
-
8 246
-
Corporate
-
32 500
-
-
income
-
6 175
-
-
total
-
6 175
-
-
Dividends
-
26 325
-
-
withholding
-
3 949
-
-
total
-
3 949
-
-
Income
32 500
32 500
32 500
32 500
Total tax
23 061
10 124
16 006
16 670
After tax
9 439
22 376
16 494
15 830
Living cost
23 760
23 760
23 760
23 760
Free-cash
-14 321
-1 384
-7 266
-7 930

Estimated living cost  is ₽23760 per week

₽17669
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1316
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽411
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4363
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
₽16205
₽22380
₽21080
₽19243
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%.

-
-
-
32 500
microenterprise

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

-
-
-
325
total
-
-
-
325
Employee
12 243
-
32 500
-
income
2 449
-
6 500
-
total
2 449
-
6 500
-
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%.

20 257
32 500
-
-
total
-
-
-
-
Dividends
20 257
32 500
-
-
withholding
1 013
1 625
-
-
total
1 013
1 625
-
-
Income
32 500
32 500
32 500
32 500
Total tax
3 462
1 625
6 500
325
After tax
29 038
30 875
26 000
32 175
Living cost
9 795
9 795
9 795
9 795
Free-cash
19 243
21 080
16 205
22 380

Estimated living cost  is ₽9795 per week

₽6628
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽411
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽328
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2427
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

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

Paris , France
-₽21763
-₽22472
-₽25971
-₽39572
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
-
-
-
32 500
income
-
-
-
562
social contributions
-
-
-
927
health
-
-
-
283
surtax
-
-
-
-
pensions
-
-
-
9 842
other
-
-
-
1 007
total
-
-
-
12 621
Employee
54 919
-
24 761
-
income
4 792
-
671
-
social contributions
1 564
-
706
-
surtax
-
-
-
-
pensions
6 212
-
2 802
-
total
12 568
-
4 179
-
Employer
54 919
-
24 761
-
unemployment
2 225
-
1 003
-
social contributions
165
-
75
-
pensions
9 024
-
4 067
-
other
1 895
-
854
-
health
3 844
-
1 734
-
total
17 153
-
7 733
-
Corporate
-
32 500
-
-
income
-
9 100
-
-
surtax
-
-
-
-
total
-
9 100
-
-
Dividends
-
23 400
-
-
withholding
-
2 995
-
-
surtax
-
-
-
-
social contributions
-
4 025
-
-
total
-
7 020
-
-
Income
32 500
32 500
32 500
32 500
Total tax
29 721
16 120
11 912
12 621
After tax
2 779
16 380
20 588
19 879
Living cost
42 351
42 351
42 351
42 351
Free-cash
-39 572
-25 971
-21 763
-22 472

Estimated living cost  is ₽42351 per week

₽28662
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3464
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽581
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.
₽9643
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
₽2859
₽1460
₽8358
₽4057
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.

-
-
-
32 500
income
-
-
-
3 631
health
-
-
-
3 348
unemployment
-
-
-
488
pensions
-
-
-
8 450
total
-
-
-
15 917
Employee

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

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

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

22 804
-
27 566
-
income
3 143
-
4 097
-
health
1 174
-
1 420
-
unemployment
171
-
207
-
pensions
3 193
-
3 859
-
total
7 681
-
9 583
-
Employer

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

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

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

22 804
-
27 566
-
unemployment
171
-
207
-
pensions
2 736
-
3 308
-
health
1 174
-
1 420
-
total
4 081
-
4 935
-
Corporate
5 614
32 500
-
-
income
842
4 875
-
-
total
842
4 875
-
-
Dividends
4 772
27 625
-
-
withholding
716
4 144
-
-
total
716
4 144
-
-
Income
32 500
32 500
32 500
32 500
Total tax
13 320
9 019
14 518
15 917
After tax
19 180
23 481
17 982
16 583
Living cost
15 123
15 123
15 123
15 123
Free-cash
4 057
8 358
2 859
1 460

Estimated living cost  is ₽15123 per week

₽10182
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1170
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽438
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.
₽3333
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
-₽35656
-₽33437
-₽46346
-₽45953
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
-
-
-
32 500
regional
-
-
-
503
national
-
-
-
46
health
-
-
-
200
city
-
-
-
341
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.

-
-
-
649
pensions
-
-
-
2 990
total
-
-
-
4 729
Employee
71 629
-
28 776
-
regional
2 345
-
382
-
city
769
-
305
-
health
162
-
64
-
unemployment
-
-
-
-
national
339
-
22
-
pensions
6 018
-
2 768
-
total
9 633
-
3 541
-
Employer
71 629
-
28 776
-
unemployment
-
-
-
-
pensions
6 018
-
2 768
-
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.

1 432
-
575
-
health
162
-
64
-
total
7 612
-
3 407
-
Corporate
-
32 500
-
-
regional
-
6 873
-
-
national
-
2 762
-
-
total
-
9 635
-
-
Dividends
-
22 865
-
-
withholding
-
8 003
-
-
total
-
8 003
-
-
Income
32 500
32 500
32 500
32 500
Total tax
17 245
17 638
6 948
4 729
After tax
15 255
14 862
25 552
27 771
Living cost
61 208
61 208
61 208
61 208
Free-cash
-45 953
-46 346
-35 656
-33 437

Estimated living cost  is ₽61208 per week

₽39803
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5493
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽751
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.
₽15161
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
-₽13140
-₽7311
-₽11174
-₽22337
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

-
-
-
32 500
municipal
-
-
-
5 826
national
-
-
-
185
health
-
-
-
135
total
-
-
-
6 146
Employee
46 133
-
27 340
-
health
344
-
55
-
unemployment
692
-
409
-
national
762
-
-
-
municipal
7 556
-
4 506
-
pensions
3 113
-
1 845
-
total
12 467
-
6 815
-
Employer
46 133
-
27 340
-
unemployment
300
-
178
-
pensions
8 004
-
4 744
-
accident
47
-
27
-
health
354
-
211
-
total
8 705
-
5 160
-
Corporate
-
32 500
-
-
income
-
6 500
-
-
total
-
6 500
-
-
Dividends

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

-
19 500
-
-
national
-
-
-
-
municipal
-
3 509
-
-
total
-
3 509
-
-
Income
32 500
32 500
32 500
32 500
Total tax
21 172
10 009
11 975
6 146
After tax
11 328
22 491
20 525
26 354
Living cost
33 665
33 665
33 665
33 665
Free-cash
-22 337
-11 174
-13 140
-7 311

Estimated living cost  is ₽33665 per week

₽21990
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3238
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽536
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7902
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
-₽16873
-₽12243
-₽13542
-₽48479
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
-
-
-
32 500
national
-
-
-
8 857
social contributions
-
-
-
2 090
communal

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

-
-
-
1 825
total
-
-
-
12 772
Employee

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

62 722
-
25 172
-
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.

2 947
-
1 183
-
communal

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

3 271
-
1 313
-
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.

546
-
220
-
national
19 283
-
5 470
-
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.

4 704
-
1 889
-
total
30 751
-
10 075
-
Employer

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

62 722
-
25 172
-
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.

915
-
368
-
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.

5 558
-
2 230
-
surtax
7 112
-
2 855
-
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.

815
-
326
-
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.

3 857
-
1 548
-
total
18 257
-
7 327
-
Corporate
-
32 500
-
-
income
-
6 500
-
-
surtax
-
130
-
-
total
-
6 630
-
-
Dividends
-
25 871
-
-
withholding

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

-
7 441
-
-
total
-
7 441
-
-
Income
32 500
32 500
32 500
32 500
Total tax
49 008
14 071
17 402
12 772
After tax
-16 508
18 429
15 098
19 728
Living cost
31 971
31 971
31 971
31 971
Free-cash
-48 479
-13 542
-16 873
-12 243

Estimated living cost  is ₽31971 per week

₽20594
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2795
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽501
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.
₽8082
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
-₽18492
-₽19648
-₽18103
-₽34629
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
-
-
-
32 500
municipal
-
-
-
6 884
national
-
-
-
-
health
-
-
-
2 028
accident
-
-
-
65
unemployment
-
-
-
33
pensions
-
-
-
3 513
other
-
-
-
3 777
total
-
-
-
16 300
Employee
51 080
-
24 730
-
national
-
-
-
-
municipal
15 232
-
7 374
-
total
15 232
-
7 374
-
Employer
51 080
-
24 730
-
unemployment
1 348
-
653
-
pensions
5 522
-
2 673
-
other
5 936
-
2 874
-
accident
102
-
49
-
health
3 141
-
1 521
-
total
16 049
-
7 770
-
Corporate
-
32 500
-
-
income
-
7 150
-
-
total
-
7 150
-
-
Dividends
-
25 350
-
-
withholding
-
7 605
-
-
total
-
7 605
-
-
Income
32 500
32 500
32 500
32 500
Total tax
31 281
14 755
15 144
16 300
After tax
1 219
17 745
17 356
16 200
Living cost
35 848
35 848
35 848
35 848
Free-cash
-34 629
-18 103
-18 492
-19 648

Estimated living cost  is ₽35848 per week

₽23759
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3518
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.
₽8027
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
-₽18545
-₽16356
-₽19043
-₽101633
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
-
-
-
32 500
income
-
-
-
6 335
social contributions
-
-
-
3 705
total
-
-
-
10 040
Employee
55 657
-
2 445
-
income
12 277
-
395
-
social contributions
4 564
-
650
-
total
16 841
-
1 045
-
Employer
55 657
-
2 445
-
social contributions
78 476
-
11 184
-
total
78 476
-
11 184
-
Corporate
-
32 500
-
-
income
-
7 150
-
-
total
-
7 150
-
-
Dividends
-
25 350
-
-
income
-
5 577
-
-
total
-
5 577
-
-
Income
32 500
32 500
32 500
32 500
Total tax
95 317
12 727
12 229
10 040
After tax
-62 817
19 773
20 271
22 460
Living cost
38 816
38 816
38 816
38 816
Free-cash
-101 633
-19 043
-18 545
-16 356

Estimated living cost  is ₽38816 per week

₽25185
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3651
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
-₽9264
-₽1991
-₽15769
-₽10974
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
33 334
income
-
-
-
-
social contributions
-
-
-
5 200
health
-
-
-
850
total
-
-
-
6 050
Employee
67 426
67 426
67 426
-
income
7 080
6 242
7 378
-
social contributions
3 276
5 596
2 449
-
health
671
1 146
501
-
total
11 027
12 984
10 328
-
Employer
67 426
67 426
67 426
-
social contributions
3 276
5 596
2 449
-
health
730
1 248
546
-
total
4 006
6 844
2 995
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
32 500
32 500
32 500
32 500
Total tax
15 033
19 828
13 323
6 050
After tax
17 467
12 672
19 177
26 450
Living cost
28 441
28 441
28 441
28 441
Free-cash
-10 974
-15 769
-9 264
-1 991

Estimated living cost  is ₽28441 per week

₽19442
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2221
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽478
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.
₽6300
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
-₽9671
-₽6921
-₽7373
-₽16272
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
-
-
-
32 500
income
-
-
-
6 199
pensions
-
-
-
1 499
total
-
-
-
7 698
Employee
43 544
-
29 481
-
income
7 930
-
5 513
-
health
568
-
280
-
pensions
3 324
-
1 636
-
total
11 822
-
7 429
-
Employer
43 544
-
29 481
-
pensions
4 399
-
2 458
-
health
828
-
561
-
total
5 227
-
3 019
-
Corporate
-
32 500
-
-
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.

-
6 175
-
-
total
-
6 175
-
-
Dividends
-
26 325
-
-
withholding
-
1 975
-
-
total
-
1 975
-
-
Income
32 500
32 500
32 500
32 500
Total tax
17 049
8 150
10 448
7 698
After tax
15 451
24 350
22 052
24 802
Living cost
31 723
31 723
31 723
31 723
Free-cash
-16 272
-7 373
-9 671
-6 921

Estimated living cost  is ₽31723 per week

₽21762
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2917
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽397
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6645
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
-₽18913
-₽16979
-₽17814
-₽41391
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
-
-
-
32 500
municipal
-
-
-
218
regional
-
-
-
418
national
-
-
-
5 553
social contributions
-
-
-
8 358
total
-
-
-
14 547
Employee
73 889
-
32 500
-
regional
1 116
-
373
-
social contributions
24 915
-
10 959
-
national
12 487
-
4 954
-
municipal
441
-
195
-
total
38 959
-
16 481
-
Employer
73 889
-
32 500
-
total
-
-
-
-
Corporate
-
32 500
-
-
nationa
-
7 801
-
-
municipal
-
1 566
-
-
total
-
9 367
-
-
Dividends
-
23 133
-
-
withholding
-
6 015
-
-
total
-
6 015
-
-
Income
32 500
32 500
32 500
32 500
Total tax
38 959
15 382
16 481
14 547
After tax
-6 459
17 118
16 019
17 953
Living cost
34 932
34 932
34 932
34 932
Free-cash
-41 391
-17 814
-18 913
-16 979

Estimated living cost  is ₽34932 per week

₽24537
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2403
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽527
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7463
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
-₽888
₽3981
-₽15419
-₽1682
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
-
-
-
32 500
income
-
-
-
4 754
health
-
-
-
1 789
accident
-
-
-
207
pensions
-
-
-
3 414
other
-
-
-
304
total
-
-
-
10 468
Employee
28 396
-
26 998
-
income
3 896
-
3 704
-
health
3 251
-
3 091
-
pensions
3 197
-
3 040
-
total
10 344
-
9 835
-
Employer
28 396
-
26 998
-
unemployment
696
-
661
-
pensions
4 617
-
4 390
-
accident
474
-
451
-
total
5 787
-
5 502
-
Corporate
-
32 500
-
-
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.

-
29 250
-
-
total
-
29 250
-
-
Dividends
-
3 250
-
-
withholding
-
618
-
-
total
-
618
-
-
Income
32 500
32 500
32 500
32 500
Total tax
16 131
29 868
15 337
10 468
After tax
16 369
2 632
17 163
22 032
Living cost
18 051
18 051
18 051
18 051
Free-cash
-1 682
-15 419
-888
3 981

Estimated living cost  is ₽18051 per week

₽13230
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1000
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽377
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.
₽3445
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
-₽8059
-₽8059
-₽16927
-₽11129
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.

-
-
-
32 500
income

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

-
-
-
679
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.

-
-
-
5 990
trade
-
-
-
-
surtax

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

-
-
-
37
total
-
-
-
6 706
Employee

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

43 629
-
32 500
-
income

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

3 588
-
679
-
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.

5 990
-
5 990
-
surtax

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

198
-
37
-
total
9 776
-
6 706
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
32 500
-
-
chamber of commerce
-
181
-
-
income
-
4 875
-
-
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.

-
268
-
-
trade
-
4 664
-
-
total
-
9 988
-
-
Dividends
-
22 511
-
-
withholding
-
5 295
-
-
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.

-
291
-
-
total
-
5 586
-
-
Income
32 500
32 500
32 500
32 500
Total tax
9 776
15 574
6 706
6 706
After tax
22 724
16 926
25 794
25 794
Living cost
33 853
33 853
33 853
33 853
Free-cash
-11 129
-16 927
-8 059
-8 059

Estimated living cost  is ₽33853 per week

₽23352
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3642
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.
₽6366
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
₽406
₽6622
₽7758
₽565
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.

-
-
-
32 500
microenterprise
-
-
-
4 875
income
-
-
-
-
social contributions

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

-
-
-
2 761
surtax
-
-
-
-
total
-
-
-
7 636
Employee
25 622
-
26 190
-
income
4 561
-
4 662
-
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.

2 819
-
2 880
-
surtax
-
-
-
-
total
7 380
-
7 542
-
Employer
25 622
-
26 190
-
social contributions

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

6 172
-
6 310
-
surtax
-
-
-
-
total
6 172
-
6 310
-
Corporate
706
32 500
-
-
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%.

141
6 500
-
-
total
141
6 500
-
-
Dividends

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

565
26 000
-
-
total
-
-
-
-
Income
32 500
32 500
32 500
32 500
Total tax
13 693
6 500
13 852
7 636
After tax
18 807
26 000
18 648
24 864
Living cost
18 242
18 242
18 242
18 242
Free-cash
565
7 758
406
6 622

Estimated living cost  is ₽18242 per week

₽11638
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1737
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽414
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4453
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
₽5744
₽4822
₽8939
₽7074
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
-
-
-
32 500
income
-
-
-
5 125
health
-
-
-
4 712
pensions
-
-
-
6 500
total
-
-
-
16 337
Employee
17 274
-
26 531
-
income
3 342
-
5 466
-
health
864
-
1 327
-
unemployment
173
-
265
-
pensions
1 555
-
2 388
-
total
5 934
-
9 446
-
Employer
17 274
-
26 531
-
unemployment
346
-
531
-
pensions
1 900
-
2 918
-
health
1 641
-
2 520
-
total
3 887
-
5 969
-
Corporate
11 339
32 500
-
-
income
2 495
7 150
-
-
total
2 495
7 150
-
-
Dividends
8 845
25 350
-
-
withholding
1 769
5 070
-
-
total
1 769
5 070
-
-
Income
32 500
32 500
32 500
32 500
Total tax
14 085
12 220
15 415
16 337
After tax
18 415
20 280
17 085
16 163
Living cost
11 341
11 341
11 341
11 341
Free-cash
7 074
8 939
5 744
4 822

Estimated living cost  is ₽11341 per week

₽6740
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽919
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽260
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3422
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
-₽1748
-₽980
₽747
-₽3246
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
-
-
-
32 500
income
-
-
-
4 699
health
-
-
-
2 308
unemployment
-
-
-
200
surtax
-
-
-
78
pensions
-
-
-
6 500
other
-
-
-
-
total
-
-
-
13 785
Employee
29 529
-
26 849
-
other
-
-
-
-
income
4 950
-
4 501
-
health
754
-
686
-
unemployment
2 055
-
1 869
-
surtax
105
-
57
-
pensions
1 970
-
1 790
-
total
9 834
-
8 903
-
Employer
29 529
-
26 849
-
unemployment
937
-
850
-
pensions
3 937
-
3 579
-
other
-
-
-
-
health
1 343
-
1 221
-
total
6 217
-
5 650
-
Corporate
-
32 500
-
-
income
-
8 450
-
-
total
-
8 450
-
-
Dividends
-
24 050
-
-
withholding
-
3 608
-
-
total
-
3 608
-
-
Income
32 500
32 500
32 500
32 500
Total tax
16 051
12 058
14 553
13 785
After tax
16 449
20 442
17 947
18 715
Living cost
19 695
19 695
19 695
19 695
Free-cash
-3 246
747
-1 748
-980

Estimated living cost  is ₽19695 per week

₽11891
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1712
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽458
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5636
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
-₽16210
-₽9561
-₽15269
-₽17694
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
-
-
-
32 500
income
-
-
-
80
chamber of commerce
-
-
-
130
health