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
-₽5972
-₽3697
-₽3482
₽420
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
unemployment
-
-
-
235
income
-
-
-
4 672
other
-
-
-
34
accident
-
-
-
301
pensions
-
-
-
9 481
total
-
-
-
14 723
Employee
29 931
-
24 882
-
unemployment
464
-
419
-
pensions
1 407
-
1 270
-
income
5 770
-
4 603
-
other
29
-
28
-
total
7 670
-
6 320
-
Employer
29 931
-
24 882
-
pensions
7 063
-
6 379
-
accident
593
-
535
-
unemployment
1 647
-
1 487
-
other
240
-
217
-
total
9 543
-
8 618
-
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.

-
5 025
-
-
total
-
5 025
-
-
Dividends
-
28 475
-
-
withholding
-
5 796
-
-
total
-
5 796
-
-
Income
33 500
33 500
33 500
33 500
Total tax
17 213
10 821
14 938
14 723
After tax
16 287
22 679
18 562
18 777
Living cost
22 259
22 259
22 259
22 259
Free-cash
-5 972
420
-3 697
-3 482

Estimated living cost  is ₽22259 per week

₽15025
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2140
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽390
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.
₽4705
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
-₽3298
-₽1934
-₽3428
₽3043
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
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.

-
-
-
8 038
income
-
-
-
4 255
other
-
-
-
1 591
health
-
-
-
1 475
total
-
-
-
15 359
Employee
29 391
-
26 756
-
health
412
-
375
-
unemployment
293
-
267
-
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.

2 057
-
1 874
-
income
5 060
-
4 605
-
total
7 822
-
7 121
-
Employer
29 391
-
26 756
-
health
412
-
375
-
pensions

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

4 997
-
4 550
-
accident
235
-
214
-
unemployment
293
-
267
-
other
1 470
-
1 338
-
total
7 407
-
6 744
-
Corporate
-
33 500
-
-
income
-
7 035
-
-
total
-
7 035
-
-
Dividends
-
26 465
-
-
withholding
-
1 853
-
-
total
-
1 853
-
-
Income
33 500
33 500
33 500
33 500
Total tax
15 229
8 888
13 865
15 359
After tax
18 271
24 612
19 635
18 141
Living cost
21 569
21 569
21 569
21 569
Free-cash
-3 298
3 043
-1 934
-3 428

Estimated living cost  is ₽21569 per week

₽15240
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1456
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽347
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.
₽4525
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
₽14253
₽10523
₽10293
₽18018
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
pensions

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

-
-
-
4 189
unemployment
-
-
-
113
income
-
-
-
5 025
health
-
-
-
3 255
total
-
-
-
12 582
Employee
14 069
-
28 005
-
health
647
-
1 289
-
accident

We are using the highest rate at 1.1%.

155
-
308
-
pensions

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

1 235
-
2 459
-
income
1 407
-
2 801
-
total
3 444
-
6 857
-
Employer
14 069
-
28 005
-
health
971
-
1 933
-
pensions

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

1 551
-
3 086
-
accident

We are using the highest rate at 1.1%.

155
-
308
-
unemployment
84
-
168
-
total
2 761
-
5 495
-
Corporate
16 670
33 500
-
-
income
1 667
3 350
-
-
total
1 667
3 350
-
-
Dividends
15 003
30 150
-
-
withholding
750
1 507
-
-
total
750
1 507
-
-
Income
33 500
33 500
33 500
33 500
Total tax
8 622
4 857
12 352
12 582
After tax
24 878
28 643
21 148
20 918
Living cost
10 625
10 625
10 625
10 625
Free-cash
14 253
18 018
10 523
10 293

Estimated living cost  is ₽10625 per week

₽6203
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽759
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽281
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.
₽3382
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
-₽11963
-₽6726
-₽7327
-₽10814
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
-
-
-
851
other
-
-
-
1 038
health
-
-
-
290
social contributions
-
-
-
954
pensions
-
-
-
9 999
surtax
-
-
-
-
total
-
-
-
13 132
Employee
34 644
-
25 529
-
pensions
3 917
-
2 888
-
income
2 045
-
943
-
social contributions
988
-
728
-
surtax
-
-
-
-
total
6 950
-
4 559
-
Employer
34 644
-
25 529
-
health
2 426
-
1 787
-
social contributions
104
-
77
-
pensions
5 691
-
4 194
-
unemployment
1 402
-
1 034
-
other
1 195
-
880
-
total
10 818
-
7 972
-
Corporate
-
33 500
-
-
income
-
9 380
-
-
surtax
-
-
-
-
total
-
9 380
-
-
Dividends
-
24 120
-
-
social contributions
-
4 151
-
-
surtax
-
-
-
-
withholding
-
3 088
-
-
total
-
7 239
-
-
Income
33 500
33 500
33 500
33 500
Total tax
17 768
16 619
12 531
13 132
After tax
15 732
16 881
20 969
20 368
Living cost
27 695
27 695
27 695
27 695
Free-cash
-11 963
-10 814
-6 726
-7 327

Estimated living cost  is ₽27695 per week

₽17463
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2252
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽472
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.
₽7510
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
-₽46883
-₽46883
-₽14629
-₽42339
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
pensions
-
-
-
6 031
income
-
-
-
3 047
health
-
-
-
5 141
total
-
-
-
14 219
Employee
69 125
69 125
69 125
-
health
10 610
9 025
10 610
-
pensions
12 443
9 484
12 443
-
income

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

11 315
11 315
11 315
-
total
34 368
29 824
34 368
-
Employer
69 125
69 125
69 125
-
health
4 805
4 805
4 805
-
pensions
4 811
4 811
4 811
-
unemployment
2 489
2 489
2 489
-
total
12 105
12 105
12 105
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
33 500
33 500
33 500
33 500
Total tax
46 473
41 929
46 473
14 219
After tax
-12 973
-8 429
-12 973
19 281
Living cost
33 910
33 910
33 910
33 910
Free-cash
-46 883
-42 339
-46 883
-14 629

Estimated living cost  is ₽33910 per week

₽24031
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3057
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽539
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.
₽6283
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
₽1511
₽1861
₽1861
-₽7445
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
trade
-
-
-
-
income

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

-
-
-
1 508
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.

-
-
-
5 530
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.

-
-
-
83
total
-
-
-
7 121
Employee

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

30 961
-
33 500
-
health

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

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

5 530
-
5 530
-
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.

865
-
1 508
-
surtax

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

48
-
83
-
total
6 443
-
7 121
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
2 539
33 500
-
-
income
381
5 025
-
-
trade
399
5 277
-
-
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.

22
277
-
-
chamber of commerce
126
171
-
-
total
928
10 750
-
-
Dividends
1 612
22 752
-
-
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
296
-
-
withholding
95
5 381
-
-
total
100
5 677
-
-
Income
33 500
33 500
33 500
33 500
Total tax
7 471
16 427
7 121
7 121
After tax
26 029
17 073
26 379
26 379
Living cost
24 518
24 518
24 518
24 518
Free-cash
1 511
-7 445
1 861
1 861

Estimated living cost  is ₽24518 per week

₽15423
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2859
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.
₽5779
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
₽1648
₽1915
₽8679
-₽3545
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
-
-
-
-
health
-
-
-
854
social contributions
-
-
-
5 226
total
-
-
-
6 080
Employee
62 244
62 244
62 244
-
health
482
1 058
518
-
income
6 777
5 762
6 716
-
social contributions
2 353
5 166
2 524
-
total
9 612
11 986
9 758
-
Employer
62 244
62 244
62 244
-
health
524
1 152
562
-
social contributions
2 353
5 166
2 524
-
total
2 877
6 318
3 086
-
Corporate
2 268
-
-
-
income
284
-
-
-
total
284
-
-
-
Dividends
1 984
-
-
-
withholding
338
-
-
-
total
338
-
-
-
Income
33 500
33 500
33 500
33 500
Total tax
13 111
18 304
12 844
6 080
After tax
20 389
15 196
20 656
27 420
Living cost
18 741
18 741
18 741
18 741
Free-cash
1 648
-3 545
1 915
8 679

Estimated living cost  is ₽18741 per week

₽11232
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1839
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.
₽5257
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
-₽12571
-₽6333
-₽5706
-₽6335
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
-
-
-
2 175
social contributions

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

-
-
-
11 641
surtax
-
-
-
-
total
-
-
-
13 816
Employee
37 229
-
27 070
-
income
7 744
-
5 037
-
social contributions
4 095
-
2 977
-
surtax
-
-
-
-
total
11 839
-
8 014
-
Employer
37 229
-
27 070
-
social contributions
8 842
-
6 429
-
total
8 842
-
6 429
-
Corporate
-
33 500
-
-
income
-
7 035
-
-
surtax
-
-
-
-
total
-
7 035
-
-
Dividends
-
26 465
-
-
withholding
-
7 410
-
-
total
-
7 410
-
-
Income
33 500
33 500
33 500
33 500
Total tax
20 681
14 445
14 443
13 816
After tax
12 819
19 055
19 057
19 684
Living cost
25 390
25 390
25 390
25 390
Free-cash
-12 571
-6 335
-6 333
-5 706

Estimated living cost  is ₽25390 per week

₽18997
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1498
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽424
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.
₽4472
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
₽24644
₽20753
₽27118
₽25778
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
7 559
-
33 500
-
income
1 512
-
6 700
-
total
1 512
-
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%.

25 941
33 500
-
-
total
-
-
-
-
Dividends
25 941
33 500
-
-
withholding
1 297
1 675
-
-
total
1 297
1 675
-
-
Income
33 500
33 500
33 500
33 500
Total tax
2 809
1 675
6 700
335
After tax
30 691
31 825
26 800
33 165
Living cost
6 047
6 047
6 047
6 047
Free-cash
24 644
25 778
20 753
27 118

Estimated living cost  is ₽6047 per week

₽3748
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽503
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽166
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.
₽1631
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
-₽7869
-₽3872
-₽2812
₽1351
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
pensions
-
-
-
6 118
unemployment
-
-
-
51
income
-
-
-
5 134
health
-
-
-
3 297
total
-
-
-
14 600
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.

35 795
-
28 987
-
health
2 312
-
1 873
-
unemployment
51
-
40
-
pensions
5 548
-
4 493
-
income
6 173
-
4 741
-
total
14 084
-
11 147
-
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.

35 795
-
28 987
-
health
2 384
-
1 931
-
pensions
3 167
-
2 565
-
unemployment
22
-
17
-
total
5 573
-
4 513
-
Corporate
-
33 500
-
-
income
-
6 366
-
-
total
-
6 366
-
-
Dividends
-
27 134
-
-
withholding
-
4 071
-
-
total
-
4 071
-
-
Income
33 500
33 500
33 500
33 500
Total tax
19 657
10 437
15 660
14 600
After tax
13 843
23 063
17 840
18 900
Living cost
21 712
21 712
21 712
21 712
Free-cash
-7 869
1 351
-3 872
-2 812

Estimated living cost  is ₽21712 per week

₽14900
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1392
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽421
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.
₽5000
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
-₽9769
-₽4511
-₽24050
-₽10875
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
-
-
-
23 042
health

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

-
-
-
5 124
total
-
-
-
28 166
Employee
37 134
-
30 449
-
social contributions
3 720
-
3 051
-
income
4 029
-
2 525
-
total
7 749
-
5 576
-
Employer
37 134
-
30 449
-
social contributions
3 720
-
3 051
-
total
3 720
-
3 051
-
Corporate
-
33 500
-
-
income
-
11 725
-
-
total
-
11 725
-
-
Dividends
-
21 775
-
-
social contributions
2 416
3 266
-
-
total
2 416
3 266
-
-
Income
33 500
33 500
33 500
33 500
Total tax
13 885
14 991
8 627
28 166
After tax
19 615
18 509
24 873
5 334
Living cost
29 384
29 384
29 384
29 384
Free-cash
-9 769
-10 875
-4 511
-24 050

Estimated living cost  is ₽29384 per week

₽19355
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2316
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.
₽7261
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
₽2762
₽3403
₽4349
₽3275
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
-
-
-
2 338
social contributions
-
-
-
4 624
total
-
-
-
11 987
Employee
27 446
-
33 500
-
health
1 916
-
2 338
-
income
4 578
-
5 971
-
social contributions
3 788
-
4 624
-
total
10 282
-
12 933
-
Employer
27 446
-
33 500
-
total
-
-
-
-
Corporate
6 054
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%.

303
1 674
-
-
total
303
1 674
-
-
Dividends
5 752
31 826
-
-
social contributions
1 412
4 392
-
-
withholding
863
4 774
-
-
health
714
2 221
-
-
total
2 989
11 387
-
-
Income
33 500
33 500
33 500
33 500
Total tax
13 574
13 061
12 933
11 987
After tax
19 926
20 439
20 567
21 513
Living cost
17 164
17 164
17 164
17 164
Free-cash
2 762
3 275
3 403
4 349

Estimated living cost  is ₽17164 per week

₽11487
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1058
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽395
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.
₽4223
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
-₽11069
-₽5618
-₽6301
₽447
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
health
-
-
-
4 522
social contributions
-
-
-
9 782
solidarity contribution
-
-
-
-
total
-
-
-
17 183
Employee
33 261
-
25 000
-
health
4 490
-
3 375
-
solidarity contribution
-
-
-
-
income
3 991
-
3 000
-
social contributions
2 162
-
1 625
-
total
10 643
-
8 000
-
Employer
33 261
-
25 000
-
health
2 993
-
2 250
-
social contributions
8 315
-
6 250
-
total
11 308
-
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
21 951
10 435
16 500
17 183
After tax
11 549
23 065
17 000
16 317
Living cost
22 618
22 618
22 618
22 618
Free-cash
-11 069
447
-5 618
-6 301

Estimated living cost  is ₽22618 per week

₽16820
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1253
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.
₽4153
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
₽20635
₽17377
₽23742
₽22402
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
11 779
-
33 500
-
income
2 356
-
6 700
-
total
2 356
-
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%.

21 721
33 500
-
-
total
-
-
-
-
Dividends
21 721
33 500
-
-
withholding
1 086
1 675
-
-
total
1 086
1 675
-
-
Income
33 500
33 500
33 500
33 500
Total tax
3 442
1 675
6 700
335
After tax
30 058
31 825
26 800
33 165
Living cost
9 423
9 423
9 423
9 423
Free-cash
20 635
22 402
17 377
23 742

Estimated living cost  is ₽9423 per week

₽6377
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽396
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽316
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.
₽2335
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
-₽33032
-₽18127
-₽18728
-₽22215
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
-
-
-
851
other
-
-
-
1 038
health
-
-
-
290
social contributions
-
-
-
954
pensions
-
-
-
9 999
surtax
-
-
-
-
total
-
-
-
13 132
Employee
50 698
-
25 529
-
pensions
5 734
-
2 888
-
income
4 424
-
943
-
social contributions
1 444
-
728
-
surtax
-
-
-
-
total
11 602
-
4 559
-
Employer
50 698
-
25 529
-
health
3 548
-
1 787
-
social contributions
152
-
77
-
pensions
8 330
-
4 194
-
unemployment
2 054
-
1 034
-
other
1 750
-
880
-
total
15 834
-
7 972
-
Corporate
-
33 500
-
-
income
-
9 380
-
-
surtax
-
-
-
-
total
-
9 380
-
-
Dividends
-
24 120
-
-
social contributions
-
4 151
-
-
surtax
-
-
-
-
withholding
-
3 088
-
-
total
-
7 239
-
-
Income
33 500
33 500
33 500
33 500
Total tax
27 436
16 619
12 531
13 132
After tax
6 064
16 881
20 969
20 368
Living cost
39 096
39 096
39 096
39 096
Free-cash
-33 032
-22 215
-18 127
-18 728

Estimated living cost  is ₽39096 per week

₽26460
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3198
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.
₽8902
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
₽6288
₽4435
₽2991
₽10256
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
pensions
-
-
-
8 710
unemployment
-
-
-
503
income
-
-
-
3 897
health
-
-
-
3 451
total
-
-
-
16 561
Employee

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

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

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

21 032
-
28 414
-
health
1 083
-
1 463
-
unemployment
158
-
213
-
pensions
2 944
-
3 978
-
income
2 899
-
4 377
-
total
7 084
-
10 031
-
Employer

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

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

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

21 032
-
28 414
-
health
1 083
-
1 463
-
pensions
2 524
-
3 410
-
unemployment
158
-
213
-
total
3 765
-
5 086
-
Corporate
8 703
33 500
-
-
income
1 305
5 025
-
-
total
1 305
5 025
-
-
Dividends
7 398
28 475
-
-
withholding
1 110
4 271
-
-
total
1 110
4 271
-
-
Income
33 500
33 500
33 500
33 500
Total tax
13 264
9 296
15 117
16 561
After tax
20 236
24 204
18 383
16 939
Living cost
13 948
13 948
13 948
13 948
Free-cash
6 288
10 256
4 435
2 991

Estimated living cost  is ₽13948 per week

₽9391
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1079
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽404
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.
₽3074
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
-₽38724
-₽29838
-₽27793
-₽41031
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
pensions
-
-
-
3 081
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.

-
-
-
670
health
-
-
-
184
regional
-
-
-
590
national
-
-
-
67
total
-
-
-
4 944
Employee
65 943
-
29 799
-
health
149
-
67
-
unemployment
-
-
-
-
city
708
-
318
-
pensions
5 540
-
2 711
-
regional
2 159
-
476
-
national
312
-
43
-
total
8 868
-
3 615
-
Employer
65 943
-
29 799
-
health
149
-
67
-
pensions
5 540
-
2 711
-
unemployment
-
-
-
-
other

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

1 318
-
596
-
total
7 007
-
3 374
-
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
15 875
18 182
6 989
4 944
After tax
17 625
15 318
26 511
28 556
Living cost
56 349
56 349
56 349
56 349
Free-cash
-38 724
-41 031
-29 838
-27 793

Estimated living cost  is ₽56349 per week

₽36643
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5057
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽692
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.
₽13957
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
-₽17124
-₽9954
-₽4133
-₽7897
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
-
-
-
5 999
health
-
-
-
178
national
-
-
-
378
total
-
-
-
6 555
Employee
42 588
-
28 184
-
health
318
-
97
-
unemployment
639
-
422
-
pensions
2 874
-
1 902
-
national
704
-
-
-
municipal
6 975
-
4 638
-
total
11 510
-
7 059
-
Employer
42 588
-
28 184
-
health
327
-
217
-
pensions
7 389
-
4 889
-
accident
43
-
28
-
unemployment
277
-
183
-
total
8 036
-
5 317
-
Corporate
-
33 500
-
-
income
-
6 701
-
-
total
-
6 701
-
-
Dividends

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

-
20 100
-
-
municipal
-
3 618
-
-
national
-
-
-
-
total
-
3 618
-
-
Income
33 500
33 500
33 500
33 500
Total tax
19 546
10 319
12 376
6 555
After tax
13 954
23 181
21 124
26 945
Living cost
31 078
31 078
31 078
31 078
Free-cash
-17 124
-7 897
-9 954
-4 133

Estimated living cost  is ₽31078 per week

₽20300
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2989
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.
₽7295
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
-₽41257
-₽14282
-₽9809
-₽10554
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
communal

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

-
-
-
1 849
social contributions
-
-
-
2 664
national
-
-
-
9 282
total
-
-
-
13 795
Employee

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

57 902
-
25 945
-
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.

2 720
-
1 220
-
communal

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

3 020
-
1 353
-
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.

504
-
226
-
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.

4 343
-
1 946
-
national
17 801
-
5 969
-
total
28 388
-
10 714
-
Employer

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

57 902
-
25 945
-
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.

3 561
-
1 596
-
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.

5 131
-
2 298
-
surtax
6 565
-
2 943
-
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.

753
-
338
-
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.

845
-
379
-
total
16 855
-
7 554
-
Corporate
-
33 500
-
-
income
-
6 701
-
-
surtax
-
134
-
-
total
-
6 835
-
-
Dividends
-
26 666
-
-
withholding

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

-
7 705
-
-
total
-
7 705
-
-
Income
33 500
33 500
33 500
33 500
Total tax
45 243
14 540
18 268
13 795
After tax
-11 743
18 960
15 232
19 705
Living cost
29 514
29 514
29 514
29 514
Free-cash
-41 257
-10 554
-14 282
-9 809

Estimated living cost  is ₽29514 per week

₽19011
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2581
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽462
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7461
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
-₽31868
-₽17019
-₽18208
-₽16616
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
unemployment
-
-
-
34
municipal
-
-
-
7 096
other
-
-
-
3 893
health
-
-
-
2 090
national
-
-
-
-
accident
-
-
-
67
pensions
-
-
-
3 621
total
-
-
-
16 801
Employee
49 740
-
25 491
-
national
-
-
-
-
municipal
14 832
-
7 601
-
total
14 832
-
7 601
-
Employer
49 740
-
25 491
-
health
3 059
-
1 568
-
pensions
5 377
-
2 756
-
accident
100
-
51
-
unemployment
1 313
-
673
-
other
5 780
-
2 962
-
total
15 629
-
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
30 461
15 209
15 611
16 801
After tax
3 039
18 291
17 889
16 699
Living cost
34 908
34 908
34 908
34 908
Free-cash
-31 868
-16 616
-17 019
-18 208

Estimated living cost  is ₽34908 per week

₽23135
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3425
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽530
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.
₽7817
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
-₽99087
-₽16833
-₽15218
-₽17988
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
55 015
-
1 853
-
income
12 135
-
266
-
social contributions
4 511
-
643
-
total
16 646
-
909
-
Employer
55 015
-
1 853
-
social contributions
77 572
-
11 055
-
total
77 572
-
11 055
-
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
94 218
13 119
11 964
10 349
After tax
-60 718
20 381
21 536
23 151
Living cost
38 369
38 369
38 369
38 369
Free-cash
-99 087
-17 988
-16 833
-15 218

Estimated living cost  is ₽38369 per week

₽24895
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3609
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽489
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.
₽9376
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
-₽6634
-₽5599
₽1165
-₽11059
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
-
-
-
-
health
-
-
-
854
social contributions
-
-
-
5 226
total
-
-
-
6 080
Employee
62 244
62 244
62 244
-
health
619
1 058
518
-
income
6 536
5 762
6 716
-
social contributions
3 025
5 166
2 524
-
total
10 180
11 986
9 758
-
Employer
62 244
62 244
62 244
-
health
674
1 152
562
-
social contributions
3 025
5 166
2 524
-
total
3 699
6 318
3 086
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
33 500
33 500
33 500
33 500
Total tax
13 879
18 304
12 844
6 080
After tax
19 621
15 196
20 656
27 420
Living cost
26 255
26 255
26 255
26 255
Free-cash
-6 634
-11 059
-5 599
1 165

Estimated living cost  is ₽26255 per week

₽17948
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2051
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽441
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.
₽5816
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
-₽10984
-₽6527
-₽3506
-₽3834
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
-
-
-
6 358
pensions
-
-
-
1 714
total
-
-
-
8 072
Employee
39 716
-
30 223
-
health
518
-
323
-
pensions
3 031
-
1 892
-
income
7 233
-
5 601
-
total
10 782
-
7 816
-
Employer
39 716
-
30 223
-
health
755
-
575
-
pensions
4 013
-
2 702
-
total
4 768
-
3 277
-
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.

-
6 365
-
-
total
-
6 365
-
-
Dividends
-
27 135
-
-
withholding
-
2 035
-
-
total
-
2 035
-
-
Income
33 500
33 500
33 500
33 500
Total tax
15 550
8 400
11 093
8 072
After tax
17 950
25 100
22 407
25 428
Living cost
28 934
28 934
28 934
28 934
Free-cash
-10 984
-3 834
-6 527
-3 506

Estimated living cost  is ₽28934 per week

₽19849
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2661
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽362
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.
₽6061
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
-₽34711
-₽15734
-₽13833
-₽14601
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
-
-
-
449
social contributions
-
-
-
8 616
national
-
-
-
5 797
total
-
-
-
15 086
Employee
68 211
-
33 500
-
social contributions
23 000
-
11 297
-
regional
1 030
-
384
-
national
11 527
-
5 106
-
municipal
407
-
200
-
total
35 964
-
16 987
-
Employer
68 211
-
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
35 964
15 854
16 987
15 086
After tax
-2 464
17 646
16 513
18 414
Living cost
32 247
32 247
32 247
32 247
Free-cash
-34 711
-14 601
-15 734
-13 833

Estimated living cost  is ₽32247 per week

₽22652
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2218
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽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.
₽6889
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
₽85
₽548
₽5949
-₽14428
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
pensions
-
-
-
3 242
income
-
-
-
4 983
other
-
-
-
289
health
-
-
-
1 699
accident
-
-
-
197
total
-
-
-
10 410
Employee
26 964
-
27 828
-
health
3 087
-
3 187
-
pensions
3 036
-
3 134
-
income
3 699
-
3 818
-
total
9 822
-
10 139
-
Employer
26 964
-
27 828
-
pensions
4 384
-
4 525
-
accident
450
-
465
-
unemployment
661
-
682
-
total
5 495
-
5 672
-
Corporate
1 041
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.

937
30 150
-
-
total
937
30 150
-
-
Dividends
104
3 350
-
-
withholding
20
637
-
-
total
20
637
-
-
Income
33 500
33 500
33 500
33 500
Total tax
16 274
30 787
15 811
10 410
After tax
17 226
2 713
17 689
23 090
Living cost
17 141
17 141
17 141
17 141
Free-cash
85
-14 428
548
5 949

Estimated living cost  is ₽17141 per week

₽12563
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽950
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽358
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.
₽3271
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
-₽6776
-₽4872
-₽4872
-₽13833
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
trade
-
-
-
-
income

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

-
-
-
1 508
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.

-
-
-
5 530
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.

-
-
-
83
total
-
-
-
7 121
Employee

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

40 276
-
33 500
-
health

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

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

5 530
-
5 530
-
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.

3 312
-
1 508
-
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.

183
-
83
-
total
9 025
-
7 121
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
33 500
-
-
income
-
5 025
-
-
trade
-
4 807
-
-
surtax

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

-
277
-
-
chamber of commerce
-
172
-
-
total
-
10 281
-
-
Dividends
-
23 220
-
-
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.

-
303
-
-
withholding
-
5 498
-
-
total
-
5 801
-
-
Income
33 500
33 500
33 500
33 500
Total tax
9 025
16 082
7 121
7 121
After tax
24 475
17 418
26 379
26 379
Living cost
31 251
31 251
31 251
31 251
Free-cash
-6 776
-13 833
-4 872
-4 872

Estimated living cost  is ₽31251 per week

₽21558
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3363
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽453
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.
₽5877
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
₽3321
₽2382
₽9087
₽9959
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
income
-
-
-
-
microenterprise
-
-
-
5 025
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.

-
-
-
2 548
surtax
-
-
-
-
total
-
-
-
7 573
Employee
23 653
-
26 996
-
income
4 210
-
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.

2 602
-
2 969
-
surtax
-
-
-
-
total
6 812
-
7 774
-
Employer
23 653
-
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.

5 697
-
6 504
-
surtax
-
-
-
-
total
5 697
-
6 504
-
Corporate
4 150
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%.

830
6 701
-
-
total
830
6 701
-
-
Dividends

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

3 320
26 799
-
-
total
-
-
-
-
Income
33 500
33 500
33 500
33 500
Total tax
13 339
6 701
14 278
7 573
After tax
20 161
26 799
19 222
25 927
Living cost
16 840
16 840
16 840
16 840
Free-cash
3 321
9 959
2 382
9 087

Estimated living cost  is ₽16840 per week

₽10744
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1604
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽382
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4111
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
₽9333
₽7464
₽6616
₽10965
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
-
-
-
5 388
health
-
-
-
4 857
pensions
-
-
-
6 700
total
-
-
-
16 945
Employee
15 139
-
27 347
-
health
757
-
1 367
-
unemployment
151
-
273
-
pensions
1 362
-
2 461
-
income
2 929
-
5 843
-
total
5 199
-
9 944
-
Employer
15 139
-
27 347
-
health
1 438
-
2 598
-
pensions
1 665
-
3 008
-
unemployment
303
-
547
-
total
3 406
-
6 153
-
Corporate
14 955
33 500
-
-
income
3 290
7 370
-
-
total
3 290
7 370
-
-
Dividends
11 665
26 130
-
-
withholding
2 333
5 226
-
-
total
2 333
5 226
-
-
Income
33 500
33 500
33 500
33 500
Total tax
14 228
12 596
16 097
16 945
After tax
19 272
20 904
17 403
16 555
Living cost
9 939
9 939
9 939
9 939
Free-cash
9 333
10 965
7 464
6 616

Estimated living cost  is ₽9939 per week

₽5907
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽806
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽228
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.
₽2999
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
₽314
₽273
₽1081
₽2889
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
pensions
-
-
-
6 701
unemployment
-
-
-
184
income
-
-
-
4 846
other
-
-
-
-
health
-
-
-
2 379
surtax
-
-
-
127
total
-
-
-
14 237
Employee
27 260
-
27 674
-
health
696
-
705
-
unemployment
1 897
-
1 926
-
pensions
1 819
-
1 846
-
income
4 570
-
4 639
-
other
-
-
-
-
surtax
97
-
104
-
total
9 079
-
9 220
-
Employer
27 260
-
27 674
-
health
1 240
-
1 260
-
pensions
3 634
-
3 688
-
unemployment
865
-
877
-
other
-
-
-
-
total
5 739
-
5 825
-
Corporate
501
33 500
-
-
income
131
8 710
-
-
total
131
8 710
-
-
Dividends
371
24 790
-
-
withholding
55
3 719
-
-
total
55
3 719
-
-
Income
33 500
33 500
33 500
33 500
Total tax
15 004
12 429
15 045
14 237
After tax
18 496
21 071
18 455
19 263
Living cost
18 182
18 182
18 182
18 182
Free-cash
314
2 889
273
1 081

Estimated living cost  is ₽18182 per week

₽10977
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1581
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽422
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5203
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
-₽12834
-₽13152
-₽6903
-₽10600
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
pensions
-
-
-
6 198
chamber of commerce
-
-
-
134
unemployment
-
-
-