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
₽ 36000
per

Your estimated
City
free-cash

Valencia , Spain
-₽2215
-₽1195
-₽1473
₽2801
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
-
-
-
36 000
unemployment
-
-
-
251
income
-
-
-
5 123
other
-
-
-
36
accident
-
-
-
324
pensions
-
-
-
10 188
total
-
-
-
15 922
Employee
28 978
-
27 297
-
unemployment
449
-
422
-
pensions
1 362
-
1 283
-
income
5 587
-
5 209
-
other
28
-
27
-
total
7 426
-
6 941
-
Employer
28 978
-
27 297
-
pensions
6 838
-
6 443
-
accident
574
-
540
-
unemployment
1 594
-
1 501
-
other
232
-
219
-
total
9 238
-
8 703
-
Corporate
-
36 000
-
-
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.

-
5 400
-
-
total
-
5 400
-
-
Dividends
-
30 600
-
-
withholding
-
6 248
-
-
total
-
6 248
-
-
Income
36 000
36 000
36 000
36 000
Total tax
16 664
11 648
15 644
15 922
After tax
19 336
24 352
20 356
20 078
Living cost
21 551
21 551
21 551
21 551
Free-cash
-2 215
2 801
-1 195
-1 473

Estimated living cost  is ₽21551 per week

₽14547
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2072
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽378
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4555
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Bratislava , Slovakia
₽272
₽219
-₽1389
₽5566
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
-
-
-
36 000
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.

-
-
-
8 639
income
-
-
-
4 573
other
-
-
-
1 710
health
-
-
-
1 584
total
-
-
-
16 506
Employee
28 456
-
28 754
-
health
399
-
403
-
unemployment
284
-
287
-
pensions

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

1 991
-
2 012
-
income
4 899
-
4 949
-
total
7 573
-
7 651
-
Employer
28 456
-
28 754
-
health
399
-
403
-
pensions

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

4 838
-
4 889
-
accident
228
-
231
-
unemployment
284
-
287
-
other
1 423
-
1 437
-
total
7 172
-
7 247
-
Corporate
373
36 000
-
-
income
79
7 560
-
-
total
79
7 560
-
-
Dividends
294
28 440
-
-
withholding
21
1 991
-
-
total
21
1 991
-
-
Income
36 000
36 000
36 000
36 000
Total tax
14 845
9 551
14 898
16 506
After tax
21 155
26 449
21 102
19 494
Living cost
20 883
20 883
20 883
20 883
Free-cash
272
5 566
219
-1 389

Estimated living cost  is ₽20883 per week

₽14755
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1410
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽336
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4381
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Varna , Bulgaria
₽16870
₽13336
₽13024
₽20510
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
-
-
-
36 000
pensions

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

-
-
-
4 050
unemployment
-
-
-
109
income
-
-
-
5 400
health
-
-
-
3 147
total
-
-
-
12 706
Employee
13 600
-
30 632
-
health
626
-
1 259
-
accident

We are using the highest rate at 1.1%.

150
-
301
-
pensions

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

1 194
-
2 403
-
income
1 360
-
3 063
-
total
3 330
-
7 026
-
Employer
13 600
-
30 632
-
health
939
-
1 888
-
pensions

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

1 499
-
3 015
-
accident

We are using the highest rate at 1.1%.

150
-
301
-
unemployment
81
-
164
-
total
2 669
-
5 368
-
Corporate
19 732
36 000
-
-
income
1 973
3 600
-
-
total
1 973
3 600
-
-
Dividends
17 759
32 400
-
-
withholding
888
1 620
-
-
total
888
1 620
-
-
Income
36 000
36 000
36 000
36 000
Total tax
8 860
5 220
12 394
12 706
After tax
27 140
30 780
23 606
23 294
Living cost
10 270
10 270
10 270
10 270
Free-cash
16 870
20 510
13 336
13 024

Estimated living cost  is ₽10270 per week

₽5996
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽733
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽272
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3269
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Nice , France
-₽8015
-₽4506
-₽5036
-₽8668
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
income
-
-
-
1 162
other
-
-
-
1 115
health
-
-
-
312
social contributions
-
-
-
1 026
pensions
-
-
-
10 608
surtax
-
-
-
-
total
-
-
-
14 223
Employee
33 541
-
27 435
-
pensions
3 792
-
3 104
-
income
1 980
-
1 242
-
social contributions
956
-
782
-
surtax
-
-
-
-
total
6 728
-
5 128
-
Employer
33 541
-
27 435
-
health
2 348
-
1 920
-
social contributions
101
-
82
-
pensions
5 510
-
4 506
-
unemployment
1 358
-
1 111
-
other
1 157
-
946
-
total
10 474
-
8 565
-
Corporate
-
36 000
-
-
income
-
10 080
-
-
surtax
-
-
-
-
total
-
10 080
-
-
Dividends
-
25 920
-
-
social contributions
-
4 457
-
-
surtax
-
-
-
-
withholding
-
3 318
-
-
total
-
7 775
-
-
Income
36 000
36 000
36 000
36 000
Total tax
17 202
17 855
13 693
14 223
After tax
18 798
18 145
22 307
21 777
Living cost
26 813
26 813
26 813
26 813
Free-cash
-8 015
-8 668
-4 506
-5 036

Estimated living cost  is ₽26813 per week

₽16907
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2180
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽457
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7271
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Rotterdam , Netherlands
-₽41824
-₽41824
-₽12160
-₽37424
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
-
-
-
36 000
pensions
-
-
-
6 480
income
-
-
-
3 322
health
-
-
-
5 527
total
-
-
-
15 329
Employee
66 925
66 925
66 925
-
health
10 272
8 737
10 272
-
pensions
12 047
9 182
12 047
-
income

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

10 955
10 955
10 955
-
total
33 274
28 874
33 274
-
Employer
66 925
66 925
66 925
-
health
4 652
4 652
4 652
-
pensions
4 658
4 658
4 658
-
unemployment
2 409
2 409
2 409
-
total
11 719
11 719
11 719
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
36 000
36 000
36 000
36 000
Total tax
44 993
40 593
44 993
15 329
After tax
-8 993
-4 593
-8 993
20 671
Living cost
32 831
32 831
32 831
32 831
Free-cash
-41 824
-37 424
-41 824
-12 160

Estimated living cost  is ₽32831 per week

₽23266
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2960
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽522
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6083
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Dresden , Germany
₽3256
₽4382
₽4382
-₽5413
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.

-
-
-
36 000
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.

-
-
-
2 394
health

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

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

-
-
-
5 354
surtax

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

-
-
-
132
total
-
-
-
7 880
Employee

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

29 975
-
36 000
-
health

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

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

5 354
-
5 354
-
income

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

837
-
2 394
-
surtax

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

46
-
132
-
total
6 237
-
7 880
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
6 025
36 000
-
-
income
904
5 400
-
-
trade
949
5 669
-
-
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.

49
297
-
-
chamber of commerce
128
171
-
-
total
2 030
11 537
-
-
Dividends
3 995
24 462
-
-
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.

39
320
-
-
withholding
700
5 818
-
-
total
739
6 138
-
-
Income
36 000
36 000
36 000
36 000
Total tax
9 006
17 675
7 880
7 880
After tax
26 994
18 325
28 120
28 120
Living cost
23 738
23 738
23 738
23 738
Free-cash
3 256
-5 413
4 382
4 382

Estimated living cost  is ₽23738 per week

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

Additional information

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

Larnaca , Cyprus
₽4186
₽4863
₽11227
₽132
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
-
-
-
36 000
income
-
-
-
94
health
-
-
-
918
social contributions
-
-
-
5 616
total
-
-
-
6 628
Employee
60 263
60 263
60 263
-
health
467
1 025
556
-
income
6 562
5 579
6 405
-
social contributions
2 278
5 002
2 713
-
total
9 307
11 606
9 674
-
Employer
60 263
60 263
60 263
-
health
507
1 115
605
-
social contributions
2 278
5 002
2 713
-
total
2 785
6 117
3 318
-
Corporate
5 762
-
-
-
income
720
-
-
-
total
720
-
-
-
Dividends
5 043
-
-
-
withholding
857
-
-
-
total
857
-
-
-
Income
36 000
36 000
36 000
36 000
Total tax
13 669
17 723
12 992
6 628
After tax
22 331
18 277
23 008
29 372
Living cost
18 145
18 145
18 145
18 145
Free-cash
4 186
132
4 863
11 227

Estimated living cost  is ₽18145 per week

₽10875
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1780
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽402
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5089
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Lisbon , Portugal
-₽8604
-₽4300
-₽3529
-₽4105
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.

-
-
-
36 000
income
-
-
-
2 436
social contributions

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

-
-
-
12 511
surtax
-
-
-
-
total
-
-
-
14 947
Employee
36 044
-
29 090
-
income
7 497
-
5 607
-
social contributions
3 965
-
3 201
-
surtax
-
-
-
-
total
11 462
-
8 808
-
Employer
36 044
-
29 090
-
social contributions
8 560
-
6 910
-
total
8 560
-
6 910
-
Corporate
-
36 000
-
-
income
-
7 560
-
-
surtax
-
-
-
-
total
-
7 560
-
-
Dividends
-
28 440
-
-
withholding
-
7 963
-
-
total
-
7 963
-
-
Income
36 000
36 000
36 000
36 000
Total tax
20 022
15 523
15 718
14 947
After tax
15 978
20 477
20 282
21 053
Living cost
24 582
24 582
24 582
24 582
Free-cash
-8 604
-4 105
-4 300
-3 529

Estimated living cost  is ₽24582 per week

₽18393
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1450
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽410
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4329
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Batumi , Georgia
₽26987
₽22726
₽29566
₽28126
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%.

-
-
-
36 000
microenterprise

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

-
-
-
360
total
-
-
-
360
Employee
7 592
-
36 000
-
income
1 518
-
7 200
-
total
1 518
-
7 200
-
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%.

28 408
36 000
-
-
total
-
-
-
-
Dividends
28 408
36 000
-
-
withholding
1 421
1 800
-
-
total
1 421
1 800
-
-
Income
36 000
36 000
36 000
36 000
Total tax
2 939
1 800
7 200
360
After tax
33 061
34 200
28 800
35 640
Living cost
6 074
6 074
6 074
6 074
Free-cash
26 987
28 126
22 726
29 566

Estimated living cost  is ₽6074 per week

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

Additional information

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

Ljubljana , Slovenia
-₽4052
-₽1995
-₽854
₽3765
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.

-
-
-
36 000
pensions
-
-
-
6 575
unemployment
-
-
-
54
income
-
-
-
5 661
health
-
-
-
3 543
total
-
-
-
15 833
Employee

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

34 656
-
31 149
-
health
2 238
-
2 012
-
unemployment
49
-
43
-
pensions
5 372
-
4 828
-
income
5 976
-
5 240
-
total
13 635
-
12 123
-
Employer

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

34 656
-
31 149
-
health
2 308
-
2 075
-
pensions
3 067
-
2 757
-
unemployment
21
-
19
-
total
5 396
-
4 851
-
Corporate
-
36 000
-
-
income
-
6 840
-
-
total
-
6 840
-
-
Dividends
-
29 160
-
-
withholding
-
4 374
-
-
total
-
4 374
-
-
Income
36 000
36 000
36 000
36 000
Total tax
19 031
11 214
16 974
15 833
After tax
16 969
24 786
19 026
20 167
Living cost
21 021
21 021
21 021
21 021
Free-cash
-4 052
3 765
-1 995
-854

Estimated living cost  is ₽21021 per week

₽14426
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1347
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽408
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4841
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Sliema , Malta
-₽5893
-₽2180
-₽19712
-₽8559
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.

-
-
-
36 000
income
-
-
-
22 308
health

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

-
-
-
4 955
total
-
-
-
27 263
Employee
35 952
-
32 722
-
social contributions
3 602
-
3 278
-
income
3 901
-
3 175
-
total
7 503
-
6 453
-
Employer
35 952
-
32 722
-
social contributions
3 602
-
3 278
-
total
3 602
-
3 278
-
Corporate
-
36 000
-
-
income
-
12 600
-
-
total
-
12 600
-
-
Dividends
-
23 400
-
-
social contributions
2 339
3 510
-
-
total
2 339
3 510
-
-
Income
36 000
36 000
36 000
36 000
Total tax
13 444
16 110
9 731
27 263
After tax
22 556
19 890
26 269
8 737
Living cost
28 449
28 449
28 449
28 449
Free-cash
-5 893
-8 559
-2 180
-19 712

Estimated living cost  is ₽28449 per week

₽18739
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2243
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽436
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7030
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Vilnius , Lithuania
₽5554
₽5302
₽6502
₽5347
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
-
-
-
36 000
income
-
-
-
5 400
health
-
-
-
2 513
social contributions
-
-
-
4 967
total
-
-
-
12 880
Employee
26 572
-
36 000
-
health
1 855
-
2 513
-
income
4 432
-
6 600
-
social contributions
3 668
-
4 967
-
total
9 955
-
14 080
-
Employer
26 572
-
36 000
-
total
-
-
-
-
Corporate
9 428
36 000
-
-
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%.

471
1 800
-
-
total
471
1 800
-
-
Dividends
8 956
34 200
-
-
social contributions
1 367
4 719
-
-
withholding
1 343
5 129
-
-
health
692
2 387
-
-
total
3 402
12 235
-
-
Income
36 000
36 000
36 000
36 000
Total tax
13 828
14 035
14 080
12 880
After tax
22 172
21 965
21 920
23 120
Living cost
16 618
16 618
16 618
16 618
Free-cash
5 554
5 347
5 302
6 502

Estimated living cost  is ₽16618 per week

₽11121
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1025
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽382
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4088
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Prague , Czech Republic
-₽7228
-₽3668
-₽4403
₽2849
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
-
-
-
36 000
income
-
-
-
3 094
health
-
-
-
4 860
social contributions
-
-
-
10 512
solidarity contribution
-
-
-
-
total
-
-
-
18 466
Employee
32 261
-
26 866
-
health
4 355
-
3 627
-
solidarity contribution
-
-
-
-
income
3 871
-
3 224
-
social contributions
2 097
-
1 746
-
total
10 323
-
8 597
-
Employer
32 261
-
26 866
-
health
2 903
-
2 418
-
social contributions
8 065
-
6 716
-
total
10 968
-
9 134
-
Corporate
-
36 000
-
-
income
-
6 840
-
-
total
-
6 840
-
-
Dividends
-
29 160
-
-
withholding
-
4 374
-
-
total
-
4 374
-
-
Income
36 000
36 000
36 000
36 000
Total tax
21 291
11 214
17 731
18 466
After tax
14 709
24 786
18 269
17 534
Living cost
21 937
21 937
21 937
21 937
Free-cash
-7 228
2 849
-3 668
-4 403

Estimated living cost  is ₽21937 per week

₽16314
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1215
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽380
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4029
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Tbilisi , Georgia
₽22961
₽19335
₽26175
₽24735
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%.

-
-
-
36 000
microenterprise

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

-
-
-
360
total
-
-
-
360
Employee
11 832
-
36 000
-
income
2 366
-
7 200
-
total
2 366
-
7 200
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

24 168
36 000
-
-
total
-
-
-
-
Dividends
24 168
36 000
-
-
withholding
1 208
1 800
-
-
total
1 208
1 800
-
-
Income
36 000
36 000
36 000
36 000
Total tax
3 574
1 800
7 200
360
After tax
32 426
34 200
28 800
35 640
Living cost
9 465
9 465
9 465
9 465
Free-cash
22 961
24 735
19 335
26 175

Estimated living cost  is ₽9465 per week

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

Additional information

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

Paris , France
-₽28414
-₽15545
-₽16075
-₽19707
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
-
-
-
36 000
income
-
-
-
1 162
other
-
-
-
1 115
health
-
-
-
312
social contributions
-
-
-
1 026
pensions
-
-
-
10 608
surtax
-
-
-
-
total
-
-
-
14 223
Employee
49 085
-
27 435
-
pensions
5 552
-
3 104
-
income
4 283
-
1 242
-
social contributions
1 398
-
782
-
surtax
-
-
-
-
total
11 233
-
5 128
-
Employer
49 085
-
27 435
-
health
3 435
-
1 920
-
social contributions
147
-
82
-
pensions
8 065
-
4 506
-
unemployment
1 988
-
1 111
-
other
1 694
-
946
-
total
15 329
-
8 565
-
Corporate
-
36 000
-
-
income
-
10 080
-
-
surtax
-
-
-
-
total
-
10 080
-
-
Dividends
-
25 920
-
-
social contributions
-
4 457
-
-
surtax
-
-
-
-
withholding
-
3 318
-
-
total
-
7 775
-
-
Income
36 000
36 000
36 000
36 000
Total tax
26 562
17 855
13 693
14 223
After tax
9 438
18 145
22 307
21 777
Living cost
37 852
37 852
37 852
37 852
Free-cash
-28 414
-19 707
-15 545
-16 075

Estimated living cost  is ₽37852 per week

₽25618
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3096
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽519
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8618
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Belgrade , Serbia
₽8653
₽6102
₽4554
₽12498
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.

-
-
-
36 000
pensions
-
-
-
9 360
unemployment
-
-
-
540
income
-
-
-
4 326
health
-
-
-
3 708
total
-
-
-
17 934
Employee

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

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

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

20 376
-
30 534
-
health
1 049
-
1 573
-
unemployment
153
-
229
-
pensions
2 853
-
4 275
-
income
2 809
-
4 843
-
total
6 864
-
10 920
-
Employer

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

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

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

20 376
-
30 534
-
health
1 049
-
1 573
-
pensions
2 445
-
3 664
-
unemployment
153
-
229
-
total
3 647
-
5 466
-
Corporate
11 977
36 000
-
-
income
1 797
5 400
-
-
total
1 797
5 400
-
-
Dividends
10 181
30 600
-
-
withholding
1 527
4 590
-
-
total
1 527
4 590
-
-
Income
36 000
36 000
36 000
36 000
Total tax
13 835
9 990
16 386
17 934
After tax
22 165
26 010
19 614
18 066
Living cost
13 512
13 512
13 512
13 512
Free-cash
8 653
12 498
6 102
4 554

Estimated living cost  is ₽13512 per week

₽9098
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1045
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽391
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2978
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Zurich , Switzerland
-₽32302
-₽24610
-₽22677
-₽36826
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
-
-
-
36 000
pensions
-
-
-
3 312
city
-
-
-
378
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.

-
-
-
720
health
-
-
-
174
regional
-
-
-
712
national
-
-
-
92
total
-
-
-
5 388
Employee
62 361
-
32 171
-
health
141
-
73
-
unemployment
-
-
-
-
city
669
-
345
-
pensions
5 239
-
2 759
-
regional
2 042
-
599
-
national
295
-
70
-
total
8 386
-
3 846
-
Employer
62 361
-
32 171
-
health
141
-
73
-
pensions
5 239
-
2 759
-
unemployment
-
-
-
-
other

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

1 247
-
643
-
total
6 627
-
3 475
-
Corporate
-
36 000
-
-
regional
-
7 614
-
-
national
-
3 060
-
-
total
-
10 674
-
-
Dividends
-
25 326
-
-
withholding
-
8 863
-
-
total
-
8 863
-
-
Income
36 000
36 000
36 000
36 000
Total tax
15 013
19 537
7 321
5 388
After tax
20 987
16 463
28 679
30 612
Living cost
53 289
53 289
53 289
53 289
Free-cash
-32 302
-36 826
-24 610
-22 677

Estimated living cost  is ₽53289 per week

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

Additional information

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

Helsinki , Finland
-₽13015
-₽7505
-₽1333
-₽5177
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

-
-
-
36 000
municipal
-
-
-
6 440
health
-
-
-
228
national
-
-
-
576
total
-
-
-
7 244
Employee
41 232
-
30 286
-
health
308
-
140
-
unemployment
619
-
454
-
pensions
2 783
-
2 045
-
national
681
-
88
-
municipal
6 754
-
4 976
-
total
11 145
-
7 703
-
Employer
41 232
-
30 286
-
health
317
-
233
-
pensions
7 154
-
5 254
-
accident
42
-
30
-
unemployment
268
-
196
-
total
7 781
-
5 713
-
Corporate
-
36 000
-
-
income
-
7 200
-
-
total
-
7 200
-
-
Dividends

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

-
21 600
-
-
municipal
-
3 888
-
-
national
-
-
-
-
total
-
3 888
-
-
Income
36 000
36 000
36 000
36 000
Total tax
18 926
11 088
13 416
7 244
After tax
17 074
24 912
22 584
28 756
Living cost
30 089
30 089
30 089
30 089
Free-cash
-13 015
-5 177
-7 505
-1 333

Estimated living cost  is ₽30089 per week

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

Additional information

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

Brussels , Belgium
-₽36377
-₽12530
-₽7975
-₽8230
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
-
-
-
36 000
communal

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

-
-
-
1 960
social contributions
-
-
-
3 328
national
-
-
-
10 112
total
-
-
-
15 400
Employee

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

56 059
-
27 884
-
health

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

2 634
-
1 312
-
communal

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

2 924
-
1 455
-
unemployment

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

488
-
242
-
pensions

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

4 204
-
2 091
-
national
17 235
-
6 739
-
total
27 485
-
11 839
-
Employer

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

56 059
-
27 884
-
health

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

3 447
-
1 715
-
pensions

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

4 967
-
2 470
-
surtax
6 356
-
3 162
-
accident

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

729
-
361
-
unemployment

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

818
-
408
-
total
16 317
-
8 116
-
Corporate
-
36 000
-
-
income
-
7 200
-
-
surtax
-
144
-
-
total
-
7 344
-
-
Dividends
-
28 656
-
-
withholding

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

-
8 311
-
-
total
-
8 311
-
-
Income
36 000
36 000
36 000
36 000
Total tax
43 802
15 655
19 955
15 400
After tax
-7 802
20 345
16 045
20 600
Living cost
28 575
28 575
28 575
28 575
Free-cash
-36 377
-8 230
-12 530
-7 975

Estimated living cost  is ₽28575 per week

₽18406
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2499
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽448
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7223
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Stockholm , Sweden
-₽27692
-₽14788
-₽16066
-₽14356
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
-
-
-
36 000
unemployment
-
-
-
36
municipal
-
-
-
7 625
other
-
-
-
4 183
health
-
-
-
2 246
national
-
-
-
-
accident
-
-
-
72
pensions
-
-
-
3 892
total
-
-
-
18 054
Employee
48 465
-
27 393
-
national
-
-
-
-
municipal
14 452
-
8 169
-
total
14 452
-
8 169
-
Employer
48 465
-
27 393
-
health
2 981
-
1 685
-
pensions
5 239
-
2 961
-
accident
97
-
55
-
unemployment
1 279
-
723
-
other
5 632
-
3 183
-
total
15 228
-
8 607
-
Corporate
-
36 000
-
-
income
-
7 920
-
-
total
-
7 920
-
-
Dividends
-
28 080
-
-
withholding
-
8 424
-
-
total
-
8 424
-
-
Income
36 000
36 000
36 000
36 000
Total tax
29 680
16 344
16 776
18 054
After tax
6 320
19 656
19 224
17 946
Living cost
34 012
34 012
34 012
34 012
Free-cash
-27 692
-14 356
-14 788
-16 066

Estimated living cost  is ₽34012 per week

₽22542
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3338
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽517
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7616
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Oslo , Norway
-₽94888
-₽13426
-₽12998
-₽15975
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
-
-
-
36 000
income
-
-
-
7 017
social contributions
-
-
-
4 104
total
-
-
-
11 121
Employee
54 310
-
628
-
income
11 980
-
-
-
social contributions
4 453
-
635
-
total
16 433
-
635
-
Employer
54 310
-
628
-
social contributions
76 578
-
10 914
-
total
76 578
-
10 914
-
Corporate
-
36 000
-
-
income
-
7 920
-
-
total
-
7 920
-
-
Dividends
-
28 080
-
-
income
-
6 178
-
-
total
-
6 178
-
-
Income
36 000
36 000
36 000
36 000
Total tax
93 011
14 098
11 549
11 121
After tax
-57 011
21 902
24 451
24 879
Living cost
37 877
37 877
37 877
37 877
Free-cash
-94 888
-15 975
-13 426
-12 998

Estimated living cost  is ₽37877 per week

₽24576
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3562
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽483
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9256
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Limassol , Cyprus
-₽2855
-₽2411
₽3953
-₽7142
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
-
-
-
36 000
income
-
-
-
94
health
-
-
-
918
social contributions
-
-
-
5 616
total
-
-
-
6 628
Employee
60 263
60 263
60 263
-
health
599
1 025
556
-
income
6 328
5 579
6 405
-
social contributions
2 928
5 002
2 713
-
total
9 855
11 606
9 674
-
Employer
60 263
60 263
60 263
-
health
653
1 115
605
-
social contributions
2 928
5 002
2 713
-
total
3 581
6 117
3 318
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
36 000
36 000
36 000
36 000
Total tax
13 436
17 723
12 992
6 628
After tax
22 564
18 277
23 008
29 372
Living cost
25 419
25 419
25 419
25 419
Free-cash
-2 855
-7 142
-2 411
3 953

Estimated living cost  is ₽25419 per week

₽17377
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1985
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽427
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5631
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Edinburgh , United Kingdom
-₽7257
-₽4311
-₽916
-₽1163
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
-
-
-
36 000
income
-
-
-
6 805
pensions
-
-
-
1 975
total
-
-
-
8 780
Employee
38 621
-
32 350
-
health
504
-
375
-
pensions
2 948
-
2 195
-
income
7 033
-
5 955
-
total
10 485
-
8 525
-
Employer
38 621
-
32 350
-
health
734
-
614
-
pensions
3 902
-
3 036
-
total
4 636
-
3 650
-
Corporate
-
36 000
-
-
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.

-
6 840
-
-
total
-
6 840
-
-
Dividends
-
29 160
-
-
withholding
-
2 187
-
-
total
-
2 187
-
-
Income
36 000
36 000
36 000
36 000
Total tax
15 121
9 027
12 175
8 780
After tax
20 879
26 973
23 825
27 220
Living cost
28 136
28 136
28 136
28 136
Free-cash
-7 257
-1 163
-4 311
-916

Estimated living cost  is ₽28136 per week

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

Additional information

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

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

Rome , Italy
-₽30040
-₽13553
-₽11555
-₽12259
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
-
-
-
36 000
municipal
-
-
-
241
regional
-
-
-
506
social contributions
-
-
-
9 259
national
-
-
-
6 328
total
-
-
-
16 334
Employee
66 040
-
36 000
-
social contributions
22 268
-
12 139
-
regional
997
-
429
-
national
11 160
-
5 550
-
municipal
394
-
214
-
total
34 819
-
18 332
-
Employer
66 040
-
36 000
-
total
-
-
-
-
Corporate
-
36 000
-
-
nationa
-
8 639
-
-
municipal
-
1 736
-
-
total
-
10 375
-
-
Dividends
-
25 625
-
-
withholding
-
6 663
-
-
total
-
6 663
-
-
Income
36 000
36 000
36 000
36 000
Total tax
34 819
17 038
18 332
16 334
After tax
1 181
18 962
17 668
19 666
Living cost
31 221
31 221
31 221
31 221
Free-cash
-30 040
-12 259
-13 553
-11 555

Estimated living cost  is ₽31221 per week

₽21931
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2148
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽471
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6670
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Gdansk , Poland
₽347
₽2274
₽8227
-₽13821
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
-
-
-
36 000
pensions
-
-
-
3 165
income
-
-
-
5 738
other
-
-
-
282
health
-
-
-
1 659
accident
-
-
-
192
total
-
-
-
11 036
Employee
26 328
-
29 905
-
health
3 015
-
3 424
-
pensions
2 965
-
3 367
-
income
3 612
-
4 103
-
total
9 592
-
10 894
-
Employer
26 328
-
29 905
-
pensions
4 281
-
4 862
-
accident
440
-
500
-
unemployment
645
-
733
-
total
5 366
-
6 095
-
Corporate
4 307
36 000
-
-
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.

3 876
32 400
-
-
total
3 876
32 400
-
-
Dividends
431
3 600
-
-
withholding
82
684
-
-
total
82
684
-
-
Income
36 000
36 000
36 000
36 000
Total tax
18 916
33 084
16 989
11 036
After tax
17 084
2 916
19 011
24 964
Living cost
16 737
16 737
16 737
16 737
Free-cash
347
-13 821
2 274
8 227

Estimated living cost  is ₽16737 per week

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

Additional information

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

Berlin , Germany
-₽2994
-₽2137
-₽2137
-₽11562
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.

-
-
-
36 000
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.

-
-
-
2 394
health

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

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

-
-
-
5 354
surtax

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

-
-
-
132
total
-
-
-
7 880
Employee

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

38 994
-
36 000
-
health

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

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

5 354
-
5 354
-
income

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

3 206
-
2 394
-
surtax

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

177
-
132
-
total
8 737
-
7 880
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
36 000
-
-
income
-
5 400
-
-
trade
-
5 167
-
-
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.

-
297
-
-
chamber of commerce
-
171
-
-
total
-
11 035
-
-
Dividends
-
24 965
-
-
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.

-
327
-
-
withholding
-
5 943
-
-
total
-
6 270
-
-
Income
36 000
36 000
36 000
36 000
Total tax
8 737
17 305
7 880
7 880
After tax
27 263
18 695
28 120
28 120
Living cost
30 257
30 257
30 257
30 257
Free-cash
-2 994
-11 562
-2 137
-2 137

Estimated living cost  is ₽30257 per week

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

Additional information

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

Riga , Latvia
₽6068
₽4352
₽11829
₽12496
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.

-
-
-
36 000
income
-
-
-
-
microenterprise
-
-
-
5 400
social contributions

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

-
-
-
2 467
surtax
-
-
-
-
total
-
-
-
7 867
Employee
22 900
-
29 012
-
income
4 076
-
5 164
-
social contributions

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

2 519
-
3 192
-
surtax
-
-
-
-
total
6 595
-
8 356
-
Employer
22 900
-
29 012
-
social contributions

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

5 516
-
6 988
-
surtax
-
-
-
-
total
5 516
-
6 988
-
Corporate
7 584
36 000
-
-
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%.

1 517
7 200
-
-
total
1 517
7 200
-
-
Dividends

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

6 067
28 800
-
-
total
-
-
-
-
Income
36 000
36 000
36 000
36 000
Total tax
13 628
7 200
15 344
7 867
After tax
22 372
28 800
20 656
28 133
Living cost
16 304
16 304
16 304
16 304
Free-cash
6 068
12 496
4 352
11 829

Estimated living cost  is ₽16304 per week

₽10402
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1553
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽370
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3980
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Istanbul , Turkey
₽11120
₽8740
₽7936
₽12721
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
-
-
-
36 000
income
-
-
-
6 062
health
-
-
-
5 152
pensions
-
-
-
7 107
total
-
-
-
18 321
Employee
14 840
-
29 388
-
health
742
-
1 469
-
unemployment
148
-
294
-
pensions
1 336
-
2 645
-
income
2 871
-
6 496
-
total
5 097
-
10 904
-
Employer
14 840
-
29 388
-
health
1 410
-
2 792
-
pensions
1 632
-
3 233
-
unemployment
297
-
588
-
total
3 339
-
6 613
-
Corporate
17 821
36 000
-
-
income
3 921
7 920
-
-
total
3 921
7 920
-
-
Dividends
13 901
28 080
-
-
withholding
2 780
5 616
-
-
total
2 780
5 616
-
-
Income
36 000
36 000
36 000
36 000
Total tax
15 137
13 536
17 517
18 321
After tax
20 863
22 464
18 483
17 679
Living cost
9 743
9 743
9 743
9 743
Free-cash
11 120
12 721
8 740
7 936

Estimated living cost  is ₽9743 per week

₽5790
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽790
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽223
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2940
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details
Athens , Greece
₽2548
₽2185
₽3070
₽5040
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
-
-
-
36 000
pensions
-
-
-
7 200
unemployment
-
-
-
178
income
-
-
-
5 213
other
-
-
-
-
health
-
-
-
2 555
surtax
-
-
-
181
total
-
-
-
15 327
Employee
26 392
-
29 739
-
health
674
-
758
-
unemployment
1 837
-
2 070
-
pensions
1 761
-
1 984
-
income
4 425
-
4 985
-
other
-
-
-
-
surtax
94
-
156
-
total
8 791
-
9 953
-
Employer
26 392
-
29 739
-
health
1 200
-
1 353
-
pensions
3 519
-
3 963
-
unemployment
837
-
943
-
other
-
-
-
-
total
5 556
-
6 259
-
Corporate
4 051
36 000
-
-
income
1 053
9 361
-
-
total
1 053
9 361
-
-
Dividends
2 998
26 639
-
-
withholding
449
3 996
-
-
total
449
3 996
-
-
Income
36 000
36 000
36 000
36 000
Total tax
15 849
13 357
16 212
15 327
After tax
20 151
22 643
19 788
20 673
Living cost
17 603
17 603
17 603
17 603
Free-cash
2 548
5 040
2 185
3 070

Estimated living cost  is ₽17603 per week

₽10628
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1530
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽409
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5037
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details
Graz , Austria
-₽8862
-₽10929
-₽4723
-₽6696
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
-
-
-
36 000
pensions
-
-
-
6 660
chamber of commerce
-
-
-
144
unemployment
-
-
-