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
₽ 33500
per

Your estimated
City
free-cash

Valencia , Spain
-₽5580
-₽4858
-₽1007
-₽8523
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
-
-
-
33 500
income
-
-
-
4 611
accident
-
-
-
301
unemployment
-
-
-
234
pensions
-
-
-
9 481
other
-
-
-
33
total
-
-
-
14 660
Employee
31 866
-
24 325
-
other
31
-
29
-
income
6 143
-
4 380
-
unemployment
494
-
446
-
pensions
1 498
-
1 352
-
total
8 166
-
6 207
-
Employer
31 866
-
24 325
-
unemployment
1 753
-
1 583
-
pensions
7 520
-
6 792
-
other
255
-
231
-
accident
631
-
569
-
total
10 159
-
9 175
-
Corporate
-
33 500
-
-
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.

-
5 026
-
-
total
-
5 026
-
-
Dividends
-
28 474
-
-
withholding
-
5 783
-
-
total
-
5 783
-
-
Income
33 500
33 500
33 500
33 500
Total tax
18 325
10 809
15 382
14 660
After tax
15 175
22 691
18 118
18 840
Living cost
23 698
23 698
23 698
23 698
Free-cash
-8 523
-1 007
-5 580
-4 858

Estimated living cost  is ₽23698 per week

₽15996
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2278
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽415
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5009
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
-₽3327
-₽4823
₽1648
-₽5675
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
-
-
-
33 500
income
-
-
-
4 255
health
-
-
-
1 474
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.

-
-
-
8 040
other
-
-
-
1 591
total
-
-
-
15 360
Employee
31 291
-
26 756
-
income
5 387
-
4 605
-
health
438
-
375
-
unemployment
312
-
268
-
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.

2 190
-
1 873
-
total
8 327
-
7 121
-
Employer
31 291
-
26 756
-
unemployment
312
-
268
-
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.

5 320
-
4 548
-
other
1 565
-
1 338
-
accident
250
-
214
-
health
438
-
375
-
total
7 885
-
6 743
-
Corporate
-
33 500
-
-
income
-
7 036
-
-
total
-
7 036
-
-
Dividends
-
26 464
-
-
withholding
-
1 853
-
-
total
-
1 853
-
-
Income
33 500
33 500
33 500
33 500
Total tax
16 212
8 889
13 864
15 360
After tax
17 288
24 611
19 636
18 140
Living cost
22 963
22 963
22 963
22 963
Free-cash
-5 675
1 648
-3 327
-4 823

Estimated living cost  is ₽22963 per week

₽16225
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1550
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽370
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4818
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
₽9855
₽9145
₽17348
₽13347
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
-
-
-
33 500
income
-
-
-
5 025
health
-
-
-
3 461
unemployment
-
-
-
120
pensions

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

-
-
-
4 454
total
-
-
-
13 060
Employee
14 956
-
28 005
-
income
1 495
-
2 800
-
health
688
-
1 288
-
accident

We are using the highest rate at 1.1%.

165
-
308
-
pensions

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

1 313
-
2 459
-
total
3 661
-
6 855
-
Employer
14 956
-
28 005
-
unemployment
89
-
168
-
pensions

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

1 648
-
3 086
-
accident

We are using the highest rate at 1.1%.

165
-
308
-
health
1 032
-
1 933
-
total
2 934
-
5 495
-
Corporate
15 609
33 500
-
-
income
1 561
3 350
-
-
total
1 561
3 350
-
-
Dividends
14 048
30 150
-
-
withholding
702
1 507
-
-
total
702
1 507
-
-
Income
33 500
33 500
33 500
33 500
Total tax
8 858
4 857
12 350
13 060
After tax
24 642
28 643
21 150
20 440
Living cost
11 295
11 295
11 295
11 295
Free-cash
13 347
17 348
9 855
9 145

Estimated living cost  is ₽11295 per week

₽6594
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽807
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽299
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.
₽3595
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
-₽8375
-₽9050
-₽12603
-₽14901
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
-
-
-
33 500
income
-
-
-
702
social contributions
-
-
-
955
health
-
-
-
291
surtax
-
-
-
-
pensions
-
-
-
10 079
other
-
-
-
1 038
total
-
-
-
13 065
Employee
36 883
-
25 524
-
income
2 177
-
803
-
social contributions
1 052
-
728
-
surtax
-
-
-
-
pensions
4 170
-
2 887
-
total
7 399
-
4 418
-
Employer
36 883
-
25 524
-
unemployment
1 493
-
1 034
-
social contributions
111
-
77
-
pensions
6 059
-
4 195
-
other
1 272
-
880
-
health
2 582
-
1 786
-
total
11 517
-
7 972
-
Corporate
-
33 500
-
-
income
-
9 381
-
-
surtax
-
-
-
-
total
-
9 381
-
-
Dividends
-
24 119
-
-
withholding
-
3 088
-
-
surtax
-
-
-
-
social contributions
-
4 149
-
-
total
-
7 237
-
-
Income
33 500
33 500
33 500
33 500
Total tax
18 916
16 618
12 390
13 065
After tax
14 584
16 882
21 110
20 435
Living cost
29 485
29 485
29 485
29 485
Free-cash
-14 901
-12 603
-8 375
-9 050

Estimated living cost  is ₽29485 per week

₽18591
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2398
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽502
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.
₽7996
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
-₽52078
-₽16792
-₽47240
-₽52078
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
-
-
-
33 500
income
-
-
-
3 017
health
-
-
-
5 143
pensions
-
-
-
6 030
total
-
-
-
14 190
Employee
73 594
73 594
73 594
-
income

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

12 046
12 046
12 046
-
health
11 296
9 608
11 296
-
pensions
13 247
10 097
13 247
-
total
36 589
31 751
36 589
-
Employer
73 594
73 594
73 594
-
unemployment
2 649
2 649
2 649
-
pensions
5 122
5 122
5 122
-
health
5 116
5 116
5 116
-
total
12 887
12 887
12 887
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Income
33 500
33 500
33 500
33 500
Total tax
49 476
44 638
49 476
14 190
After tax
-15 976
-11 138
-15 976
19 310
Living cost
36 102
36 102
36 102
36 102
Free-cash
-52 078
-47 240
-52 078
-16 792

Estimated living cost  is ₽36102 per week

₽25584
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3254
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽574
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.
₽6689
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
₽397
₽397
-₽9012
₽236
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.

-
-
-
33 500
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.

-
-
-
1 055
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.

-
-
-
5 888
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.

-
-
-
57
total
-
-
-
7 000
Employee

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

32 962
-
33 500
-
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.

921
-
1 055
-
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.

5 888
-
5 888
-
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
-
57
-
total
6 860
-
7 000
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
538
33 500
-
-
chamber of commerce
131
178
-
-
income
80
5 026
-
-
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.

5
276
-
-
trade
85
5 276
-
-
total
301
10 756
-
-
Dividends
237
22 744
-
-
withholding
-
5 359
-
-
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.

-
294
-
-
total
-
5 653
-
-
Income
33 500
33 500
33 500
33 500
Total tax
7 161
16 409
7 000
7 000
After tax
26 339
17 091
26 500
26 500
Living cost
26 103
26 103
26 103
26 103
Free-cash
236
-9 012
397
397

Estimated living cost  is ₽26103 per week

₽16420
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3044
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽487
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6152
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
₽212
₽7466
-₽5941
₽181
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
-
-
-
33 500
income
-
-
-
-
social contributions
-
-
-
5 227
health
-
-
-
854
total
-
-
-
6 081
Employee
66 268
66 268
66 268
-
income
7 215
6 134
7 209
-
social contributions
2 505
5 500
2 523
-
health
514
1 127
517
-
total
10 234
12 761
10 249
-
Employer
66 268
66 268
66 268
-
social contributions
2 505
5 500
2 523
-
health
558
1 227
563
-
total
3 063
6 727
3 086
-
Corporate
250
-
-
-
income
31
-
-
-
total
31
-
-
-
Dividends
218
-
-
-
withholding
38
-
-
-
total
38
-
-
-
Income
33 500
33 500
33 500
33 500
Total tax
13 366
19 488
13 335
6 081
After tax
20 134
14 012
20 165
27 419
Living cost
19 953
19 953
19 953
19 953
Free-cash
181
-5 941
212
7 466

Estimated living cost  is ₽19953 per week

₽11958
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1958
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽442
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.
₽5596
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
-₽7857
-₽7288
-₽7978
-₽15549
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.

-
-
-
33 500
income
-
-
-
2 115
social contributions

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

-
-
-
11 641
surtax
-
-
-
-
total
-
-
-
13 756
Employee
39 636
-
27 071
-
income
8 244
-
4 918
-
social contributions
4 360
-
2 978
-
surtax
-
-
-
-
total
12 604
-
7 896
-
Employer
39 636
-
27 071
-
social contributions
9 413
-
6 429
-
total
9 413
-
6 429
-
Corporate
-
33 500
-
-
income
-
7 036
-
-
surtax
-
-
-
-
total
-
7 036
-
-
Dividends
-
26 464
-
-
withholding
-
7 410
-
-
total
-
7 410
-
-
Income
33 500
33 500
33 500
33 500
Total tax
22 017
14 446
14 325
13 756
After tax
11 483
19 054
19 175
19 744
Living cost
27 032
27 032
27 032
27 032
Free-cash
-15 549
-7 978
-7 857
-7 288

Estimated living cost  is ₽27032 per week

₽20225
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.
₽451
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.
₽4761
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
₽20615
₽26980
₽25640
₽24481
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%.

-
-
-
33 500
microenterprise

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

-
-
-
335
total
-
-
-
335
Employee
7 731
-
33 500
-
income
1 546
-
6 700
-
total
1 546
-
6 700
-
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%.

25 769
33 500
-
-
total
-
-
-
-
Dividends
25 769
33 500
-
-
withholding
1 288
1 675
-
-
total
1 288
1 675
-
-
Income
33 500
33 500
33 500
33 500
Total tax
2 834
1 675
6 700
335
After tax
30 666
31 825
26 800
33 165
Living cost
6 185
6 185
6 185
6 185
Free-cash
24 481
25 640
20 615
26 980

Estimated living cost  is ₽6185 per week

₽3833
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽514
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽170
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.
₽1668
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
-₽5187
-₽4127
-₽51
-₽10542
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.

-
-
-
33 500
income
-
-
-
5 046
health
-
-
-
3 297
unemployment
-
-
-
51
pensions
-
-
-
6 118
total
-
-
-
14 512
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.

38 109
-
28 985
-
income
6 572
-
4 653
-
health
2 461
-
1 873
-
unemployment
54
-
41
-
pensions
5 907
-
4 492
-
total
14 994
-
11 059
-
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.

38 109
-
28 985
-
unemployment
23
-
18
-
pensions
3 372
-
2 564
-
health
2 538
-
1 931
-
total
5 933
-
4 513
-
Corporate
-
33 500
-
-
income
-
6 365
-
-
total
-
6 365
-
-
Dividends
-
27 135
-
-
withholding
-
4 071
-
-
total
-
4 071
-
-
Income
33 500
33 500
33 500
33 500
Total tax
20 927
10 436
15 572
14 512
After tax
12 573
23 064
17 928
18 988
Living cost
23 115
23 115
23 115
23 115
Free-cash
-10 542
-51
-5 187
-4 127

Estimated living cost  is ₽23115 per week

₽15864
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1482
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽448
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5323
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
-₽6132
-₽27932
-₽12773
-₽12568
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.

-
-
-
33 500
income
-
-
-
24 531
health

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

-
-
-
5 618
total
-
-
-
30 149
Employee
39 534
-
30 448
-
social contributions
3 961
-
3 052
-
income
4 290
-
2 245
-
total
8 251
-
5 297
-
Employer
39 534
-
30 448
-
social contributions
3 961
-
3 052
-
total
3 961
-
3 052
-
Corporate
-
33 500
-
-
income
-
11 724
-
-
total
-
11 724
-
-
Dividends
-
21 776
-
-
social contributions
2 573
3 266
-
-
total
2 573
3 266
-
-
Income
33 500
33 500
33 500
33 500
Total tax
14 785
14 990
8 349
30 149
After tax
18 715
18 510
25 151
3 351
Living cost
31 283
31 283
31 283
31 283
Free-cash
-12 568
-12 773
-6 132
-27 932

Estimated living cost  is ₽31283 per week

₽20606
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2466
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽479
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7731
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
₽2406
₽3238
₽2165
₽1193
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
-
-
-
33 500
income
-
-
-
5 026
social contributions
-
-
-
4 623
health
-
-
-
2 339
total
-
-
-
11 988
Employee
29 220
-
33 500
-
income
4 874
-
5 858
-
social contributions
4 033
-
4 623
-
health
2 039
-
2 339
-
total
10 946
-
12 820
-
Employer
29 220
-
33 500
-
total
-
-
-
-
Corporate
4 280
33 500
-
-
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%.

214
1 675
-
-
total
214
1 675
-
-
Dividends
4 066
31 825
-
-
withholding
610
4 774
-
-
health
760
2 221
-
-
social contributions
1 503
4 391
-
-
total
2 873
11 386
-
-
Income
33 500
33 500
33 500
33 500
Total tax
14 033
13 061
12 820
11 988
After tax
19 467
20 439
20 680
21 512
Living cost
18 274
18 274
18 274
18 274
Free-cash
1 193
2 165
2 406
3 238

Estimated living cost  is ₽18274 per week

₽12230
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1127
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽420
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.
₽4496
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
-₽6381
-₽7064
-₽316
-₽12575
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
-
-
-
33 500
income
-
-
-
2 879
social contributions
-
-
-
9 782
solidarity contribution
-
-
-
-
health
-
-
-
4 522
total
-
-
-
17 183
Employee
34 384
-
25 000
-
solidarity contribution
-
-
-
-
income
4 126
-
3 000
-
social contributions
2 235
-
1 625
-
health
4 642
-
3 375
-
total
11 003
-
8 000
-
Employer
34 384
-
25 000
-
social contributions
8 596
-
6 250
-
health
3 095
-
2 250
-
total
11 691
-
8 500
-
Corporate
-
33 500
-
-
income
-
6 365
-
-
total
-
6 365
-
-
Dividends
-
27 135
-
-
withholding
-
4 070
-
-
total
-
4 070
-
-
Income
33 500
33 500
33 500
33 500
Total tax
22 694
10 435
16 500
17 183
After tax
10 806
23 065
17 000
16 317
Living cost
23 381
23 381
23 381
23 381
Free-cash
-12 575
-316
-6 381
-7 064

Estimated living cost  is ₽23381 per week

₽17388
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1295
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽405
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.
₽4294
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
₽17162
₽23527
₽22187
₽20379
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%.

-
-
-
33 500
microenterprise

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

-
-
-
335
total
-
-
-
335
Employee
12 048
-
33 500
-
income
2 410
-
6 700
-
total
2 410
-
6 700
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

21 452
33 500
-
-
total
-
-
-
-
Dividends
21 452
33 500
-
-
withholding
1 073
1 675
-
-
total
1 073
1 675
-
-
Income
33 500
33 500
33 500
33 500
Total tax
3 483
1 675
6 700
335
After tax
30 017
31 825
26 800
33 165
Living cost
9 638
9 638
9 638
9 638
Free-cash
20 379
22 187
17 162
23 527

Estimated living cost  is ₽9638 per week

₽6522
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽405
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽323
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.
₽2388
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
-₽20514
-₽21189
-₽24742
-₽37335
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
-
-
-
33 500
income
-
-
-
702
social contributions
-
-
-
955
health
-
-
-
291
surtax
-
-
-
-
pensions
-
-
-
10 079
other
-
-
-
1 038
total
-
-
-
13 065
Employee
53 976
-
25 524
-
income
4 710
-
803
-
social contributions
1 537
-
728
-
surtax
-
-
-
-
pensions
6 105
-
2 887
-
total
12 352
-
4 418
-
Employer
53 976
-
25 524
-
unemployment
2 187
-
1 034
-
social contributions
162
-
77
-
pensions
8 869
-
4 195
-
other
1 863
-
880
-
health
3 778
-
1 786
-
total
16 859
-
7 972
-
Corporate
-
33 500
-
-
income
-
9 381
-
-
surtax
-
-
-
-
total
-
9 381
-
-
Dividends
-
24 119
-
-
withholding
-
3 088
-
-
surtax
-
-
-
-
social contributions
-
4 149
-
-
total
-
7 237
-
-
Income
33 500
33 500
33 500
33 500
Total tax
29 211
16 618
12 390
13 065
After tax
4 289
16 882
21 110
20 435
Living cost
41 624
41 624
41 624
41 624
Free-cash
-37 335
-24 742
-20 514
-21 189

Estimated living cost  is ₽41624 per week

₽28170
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3405
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽571
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.
₽9477
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
₽3605
₽2163
₽9340
₽5111
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.

-
-
-
33 500
income
-
-
-
3 810
health
-
-
-
3 451
unemployment
-
-
-
502
pensions
-
-
-
8 710
total
-
-
-
16 473
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.

22 414
-
28 414
-
income
3 090
-
4 291
-
health
1 154
-
1 463
-
unemployment
168
-
213
-
pensions
3 138
-
3 978
-
total
7 550
-
9 945
-
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.

22 414
-
28 414
-
unemployment
168
-
213
-
pensions
2 690
-
3 410
-
health
1 154
-
1 463
-
total
4 012
-
5 086
-
Corporate
7 074
33 500
-
-
income
1 061
5 025
-
-
total
1 061
5 025
-
-
Dividends
6 013
28 475
-
-
withholding
902
4 271
-
-
total
902
4 271
-
-
Income
33 500
33 500
33 500
33 500
Total tax
13 525
9 296
15 031
16 473
After tax
19 975
24 204
18 469
17 027
Living cost
14 864
14 864
14 864
14 864
Free-cash
5 111
9 340
3 605
2 163

Estimated living cost  is ₽14864 per week

₽10008
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1150
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽430
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.
₽3276
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
-₽33762
-₽31579
-₽44854
-₽43625
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
-
-
-
33 500
regional
-
-
-
550
national
-
-
-
56
health
-
-
-
196
city
-
-
-
352
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.

-
-
-
671
pensions
-
-
-
3 082
total
-
-
-
4 907
Employee
70 417
-
29 718
-
regional
2 306
-
430
-
city
756
-
315
-
health
159
-
66
-
unemployment
-
-
-
-
national
333
-
32
-
pensions
5 916
-
2 793
-
total
9 470
-
3 636
-
Employer
70 417
-
29 718
-
unemployment
-
-
-
-
pensions
5 916
-
2 793
-
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.

1 408
-
595
-
health
159
-
66
-
total
7 483
-
3 454
-
Corporate
-
33 500
-
-
regional
-
7 086
-
-
national
-
2 848
-
-
total
-
9 934
-
-
Dividends
-
23 566
-
-
withholding
-
8 248
-
-
total
-
8 248
-
-
Income
33 500
33 500
33 500
33 500
Total tax
16 953
18 182
7 090
4 907
After tax
16 547
15 318
26 410
28 593
Living cost
60 172
60 172
60 172
60 172
Free-cash
-43 625
-44 854
-33 762
-31 579

Estimated living cost  is ₽60172 per week

₽39129
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5400
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽739
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.
₽14904
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
-₽11945
-₽6019
-₽9905
-₽20395
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

-
-
-
33 500
municipal
-
-
-
6 002
national
-
-
-
273
health
-
-
-
157
total
-
-
-
6 432
Employee
45 341
-
28 182
-
health
339
-
74
-
unemployment
680
-
422
-
national
749
-
-
-
municipal
7 426
-
4 641
-
pensions
3 060
-
1 902
-
total
12 254
-
7 039
-
Employer
45 341
-
28 182
-
unemployment
294
-
183
-
pensions
7 866
-
4 890
-
accident
46
-
28
-
health
348
-
218
-
total
8 554
-
5 319
-
Corporate
-
33 500
-
-
income
-
6 700
-
-
total
-
6 700
-
-
Dividends

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

-
20 100
-
-
national
-
-
-
-
municipal
-
3 618
-
-
total
-
3 618
-
-
Income
33 500
33 500
33 500
33 500
Total tax
20 808
10 318
12 358
6 432
After tax
12 692
23 182
21 142
27 068
Living cost
33 087
33 087
33 087
33 087
Free-cash
-20 395
-9 905
-11 945
-6 019

Estimated living cost  is ₽33087 per week

₽21612
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3183
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.
₽7767
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
-₽15987
-₽11368
-₽12442
-₽46087
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
-
-
-
33 500
national
-
-
-
9 197
social contributions
-
-
-
2 381
communal

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

-
-
-
1 868
total
-
-
-
13 446
Employee

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

61 645
-
25 943
-
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.

2 896
-
1 218
-
communal

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

3 215
-
1 352
-
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.

536
-
226
-
national
18 952
-
5 771
-
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.

4 623
-
1 946
-
total
30 222
-
10 513
-
Employer

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

61 645
-
25 943
-
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.

899
-
379
-
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.

5 462
-
2 298
-
surtax
6 990
-
2 940
-
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.

801
-
339
-
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.

3 791
-
1 596
-
total
17 943
-
7 552
-
Corporate
-
33 500
-
-
income
-
6 700
-
-
surtax
-
134
-
-
total
-
6 834
-
-
Dividends
-
26 666
-
-
withholding

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

-
7 686
-
-
total
-
7 686
-
-
Income
33 500
33 500
33 500
33 500
Total tax
48 165
14 520
18 065
13 446
After tax
-14 665
18 980
15 435
20 054
Living cost
31 422
31 422
31 422
31 422
Free-cash
-46 087
-12 442
-15 987
-11 368

Estimated living cost  is ₽31422 per week

₽20240
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2748
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽492
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.
₽7943
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
-₽17440
-₽18630
-₽17038
-₽32659
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
-
-
-
33 500
municipal
-
-
-
7 096
national
-
-
-
-
health
-
-
-
2 090
accident
-
-
-
67
unemployment
-
-
-
34
pensions
-
-
-
3 621
other
-
-
-
3 893
total
-
-
-
16 801
Employee
50 341
-
25 491
-
national
-
-
-
-
municipal
15 012
-
7 601
-
total
15 012
-
7 601
-
Employer
50 341
-
25 491
-
unemployment
1 329
-
673
-
pensions
5 442
-
2 756
-
other
5 850
-
2 962
-
accident
101
-
51
-
health
3 096
-
1 568
-
total
15 818
-
8 010
-
Corporate
-
33 500
-
-
income
-
7 370
-
-
total
-
7 370
-
-
Dividends
-
26 130
-
-
withholding
-
7 839
-
-
total
-
7 839
-
-
Income
33 500
33 500
33 500
33 500
Total tax
30 830
15 209
15 611
16 801
After tax
2 670
18 291
17 889
16 699
Living cost
35 329
35 329
35 329
35 329
Free-cash
-32 659
-17 038
-17 440
-18 630

Estimated living cost  is ₽35329 per week

₽23415
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3467
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽537
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.
₽7911
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
-₽17563
-₽15743
-₽18513
-₽100901
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
-
-
-
33 500
income
-
-
-
6 530
social contributions
-
-
-
3 819
total
-
-
-
10 349
Employee
55 768
-
2 066
-
income
12 301
-
311
-
social contributions
4 573
-
652
-
total
16 874
-
963
-
Employer
55 768
-
2 066
-
social contributions
78 633
-
11 206
-
total
78 633
-
11 206
-
Corporate
-
33 500
-
-
income
-
7 370
-
-
total
-
7 370
-
-
Dividends
-
26 130
-
-
income
-
5 749
-
-
total
-
5 749
-
-
Income
33 500
33 500
33 500
33 500
Total tax
95 507
13 119
12 169
10 349
After tax
-62 007
20 381
21 331
23 151
Living cost
38 894
38 894
38 894
38 894
Free-cash
-100 901
-18 513
-17 563
-15 743

Estimated living cost  is ₽38894 per week

₽25236
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3658
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.
₽9504
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
-₽7787
-₽533
-₽13940
-₽9228
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
-
-
-
33 500
income
-
-
-
-
social contributions
-
-
-
5 227
health
-
-
-
854
total
-
-
-
6 081
Employee
66 268
66 268
66 268
-
income
6 959
6 134
7 209
-
social contributions
3 220
5 500
2 523
-
health
659
1 127
517
-
total
10 838
12 761
10 249
-
Employer
66 268
66 268
66 268
-
social contributions
3 220
5 500
2 523
-
health
718
1 227
563
-
total
3 938
6 727
3 086
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
33 500
33 500
33 500
33 500
Total tax
14 776
19 488
13 335
6 081
After tax
18 724
14 012
20 165
27 419
Living cost
27 952
27 952
27 952
27 952
Free-cash
-9 228
-13 940
-7 787
-533

Estimated living cost  is ₽27952 per week

₽19108
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2183
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽469
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.
₽6192
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
-₽8652
-₽5747
-₽6158
-₽14558
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
-
-
-
33 500
income
-
-
-
6 377
pensions
-
-
-
1 611
total
-
-
-
7 988
Employee
42 907
-
30 325
-
income
7 814
-
5 651
-
health
560
-
302
-
pensions
3 275
-
1 766
-
total
11 649
-
7 719
-
Employer
42 907
-
30 325
-
pensions
4 335
-
2 598
-
health
815
-
576
-
total
5 150
-
3 174
-
Corporate
-
33 500
-
-
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.

-
6 364
-
-
total
-
6 364
-
-
Dividends
-
27 136
-
-
withholding
-
2 035
-
-
total
-
2 035
-
-
Income
33 500
33 500
33 500
33 500
Total tax
16 799
8 399
10 893
7 988
After tax
16 701
25 101
22 607
25 512
Living cost
31 259
31 259
31 259
31 259
Free-cash
-14 558
-6 158
-8 652
-5 747

Estimated living cost  is ₽31259 per week

₽21443
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2875
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽391
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6548
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
-₽17819
-₽15844
-₽16686
-₽39120
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
-
-
-
33 500
municipal
-
-
-
224
regional
-
-
-
434
national
-
-
-
5 737
social contributions
-
-
-
8 617
total
-
-
-
15 012
Employee
72 620
-
33 500
-
regional
1 096
-
384
-
social contributions
24 487
-
11 296
-
national
12 272
-
5 107
-
municipal
433
-
200
-
total
38 288
-
16 987
-
Employer
72 620
-
33 500
-
total
-
-
-
-
Corporate
-
33 500
-
-
nationa
-
8 040
-
-
municipal
-
1 614
-
-
total
-
9 654
-
-
Dividends
-
23 846
-
-
withholding
-
6 200
-
-
total
-
6 200
-
-
Income
33 500
33 500
33 500
33 500
Total tax
38 288
15 854
16 987
15 012
After tax
-4 788
17 646
16 513
18 488
Living cost
34 332
34 332
34 332
34 332
Free-cash
-39 120
-16 686
-17 819
-15 844

Estimated living cost  is ₽34332 per week

₽24116
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2362
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽518
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.
₽7335
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
-₽98
₽5134
-₽15075
-₽186
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
-
-
-
33 500
income
-
-
-
4 946
health
-
-
-
1 763
accident
-
-
-
204
pensions
-
-
-
3 364
other
-
-
-
300
total
-
-
-
10 577
Employee
27 983
-
27 828
-
income
3 839
-
3 818
-
health
3 204
-
3 186
-
pensions
3 151
-
3 133
-
total
10 194
-
10 137
-
Employer
27 983
-
27 828
-
unemployment
686
-
682
-
pensions
4 550
-
4 525
-
accident
467
-
465
-
total
5 703
-
5 672
-
Corporate
-
33 500
-
-
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.

-
30 150
-
-
total
-
30 150
-
-
Dividends
-
3 350
-
-
withholding
-
636
-
-
total
-
636
-
-
Income
33 500
33 500
33 500
33 500
Total tax
15 897
30 786
15 809
10 577
After tax
17 603
2 714
17 691
22 923
Living cost
17 789
17 789
17 789
17 789
Free-cash
-186
-15 075
-98
5 134

Estimated living cost  is ₽17789 per week

₽13038
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽986
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽371
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.
₽3395
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
-₽6772
-₽6772
-₽15836
-₽9381
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.

-
-
-
33 500
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.

-
-
-
1 055
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.

-
-
-
5 888
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.

-
-
-
57
total
-
-
-
7 000
Employee

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

42 880
-
33 500
-
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.

3 526
-
1 055
-
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.

5 888
-
5 888
-
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.

195
-
57
-
total
9 609
-
7 000
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
33 500
-
-
chamber of commerce
-
180
-
-
income
-
5 026
-
-
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.

-
276
-
-
trade
-
4 806
-
-
total
-
10 288
-
-
Dividends
-
23 212
-
-
withholding
-
5 475
-
-
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.

-
301
-
-
total
-
5 776
-
-
Income
33 500
33 500
33 500
33 500
Total tax
9 609
16 064
7 000
7 000
After tax
23 891
17 436
26 500
26 500
Living cost
33 272
33 272
33 272
33 272
Free-cash
-9 381
-15 836
-6 772
-6 772

Estimated living cost  is ₽33272 per week

₽22951
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3580
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽482
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.
₽6257
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
₽1292
₽7832
₽8871
₽1802
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.

-
-
-
33 500
microenterprise
-
-
-
5 026
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.

-
-
-
2 713
surtax
-
-
-
-
total
-
-
-
7 739
Employee
25 182
-
26 996
-
income
4 483
-
4 805
-
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.

2 770
-
2 970
-
surtax
-
-
-
-
total
7 253
-
7 775
-
Employer
25 182
-
26 996
-
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.

6 066
-
6 504
-
surtax
-
-
-
-
total
6 066
-
6 504
-
Corporate
2 252
33 500
-
-
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%.

450
6 700
-
-
total
450
6 700
-
-
Dividends

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

1 802
26 800
-
-
total
-
-
-
-
Income
33 500
33 500
33 500
33 500
Total tax
13 769
6 700
14 279
7 739
After tax
19 731
26 800
19 221
25 761
Living cost
17 929
17 929
17 929
17 929
Free-cash
1 802
8 871
1 292
7 832

Estimated living cost  is ₽17929 per week

₽11438
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1707
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.
₽4376
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
₽6338
₽5388
₽9656
₽7807
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
-
-
-
33 500
income
-
-
-
5 307
health
-
-
-
4 857
pensions
-
-
-
6 700
total
-
-
-
16 864
Employee
17 132
-
27 347
-
income
3 314
-
5 659
-
health
857
-
1 367
-
unemployment
171
-
274
-
pensions
1 542
-
2 461
-
total
5 884
-
9 761
-
Employer
17 132
-
27 347
-
unemployment
343
-
547
-
pensions
1 885
-
3 008
-
health
1 628
-
2 598
-
total
3 856
-
6 153
-
Corporate
12 513
33 500
-
-
income
2 753
7 370
-
-
total
2 753
7 370
-
-
Dividends
9 760
26 130
-
-
withholding
1 952
5 226
-
-
total
1 952
5 226
-
-
Income
33 500
33 500
33 500
33 500
Total tax
14 445
12 596
15 914
16 864
After tax
19 055
20 904
17 586
16 636
Living cost
11 248
11 248
11 248
11 248
Free-cash
7 807
9 656
6 338
5 388

Estimated living cost  is ₽11248 per week

₽6684
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽912
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽258
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.
₽3394
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
-₽882
-₽78
₽1714
-₽1632
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
-
-
-
33 500
income
-
-
-
4 846
health
-
-
-
2 378
unemployment
-
-
-
196
surtax
-
-
-
101
pensions
-
-
-
6 700
other
-
-
-
-
total
-
-
-
14 221
Employee
29 022
-
27 675
-
other
-
-
-
-
income
4 865
-
4 640
-
health
741
-
707
-
unemployment
2 020
-
1 927
-
surtax
103
-
79
-
pensions
1 936
-
1 846
-
total
9 665
-
9 199
-
Employer
29 022
-
27 675
-
unemployment
921
-
877
-
pensions
3 869
-
3 690
-
other
-
-
-
-
health
1 320
-
1 259
-
total
6 110
-
5 826
-
Corporate
-
33 500
-
-
income
-
8 710
-
-
total
-
8 710
-
-
Dividends
-
24 790
-
-
withholding
-
3 719
-
-
total
-
3 719
-
-
Income
33 500
33 500
33 500
33 500
Total tax
15 775
12 429
15 025
14 221
After tax
17 725
21 071
18 475
19 279
Living cost
19 357
19 357
19 357
19 357
Free-cash
-1 632
1 714
-882
-78

Estimated living cost  is ₽19357 per week

₽11687
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1683
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽450
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5539
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
-₽15124
-₽8541
-₽13448
-₽15829
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
-
-
-
33 500
income
-
-
-
366
chamber of commerce
-
-
-
134
health
-
-