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
₽ 36500
per

Your estimated
City
free-cash

Valencia , Spain
-₽4352
-₽4029
₽213
-₽6946
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
-
-
-
36 500
income
-
-
-
5 080
accident
-
-
-
328
unemployment
-
-
-
255
pensions
-
-
-
10 329
other
-
-
-
37
total
-
-
-
16 029
Employee
32 944
-
27 015
-
other
32
-
30
-
income
6 351
-
4 977
-
unemployment
511
-
462
-
pensions
1 549
-
1 398
-
total
8 443
-
6 867
-
Employer
32 944
-
27 015
-
unemployment
1 812
-
1 637
-
pensions
7 774
-
7 022
-
other
264
-
238
-
accident
653
-
588
-
total
10 503
-
9 485
-
Corporate
-
36 500
-
-
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.

-
5 475
-
-
total
-
5 475
-
-
Dividends
-
31 025
-
-
withholding
-
6 312
-
-
total
-
6 312
-
-
Income
36 500
36 500
36 500
36 500
Total tax
18 946
11 787
16 352
16 029
After tax
17 554
24 713
20 148
20 471
Living cost
24 500
24 500
24 500
24 500
Free-cash
-6 946
213
-4 352
-4 029

Estimated living cost  is ₽24500 per week

₽16537
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2355
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽429
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.
₽5179
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
-₽2343
-₽3975
₽3077
-₽4002
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
-
-
-
36 500
income
-
-
-
4 636
health
-
-
-
1 606
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.

-
-
-
8 760
other
-
-
-
1 733
total
-
-
-
16 735
Employee
32 350
-
29 155
-
income
5 569
-
5 020
-
health
453
-
407
-
unemployment
323
-
291
-
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.

2 264
-
2 041
-
total
8 609
-
7 759
-
Employer
32 350
-
29 155
-
unemployment
323
-
291
-
pensions

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

5 500
-
4 956
-
other
1 618
-
1 457
-
accident
259
-
233
-
health
453
-
407
-
total
8 153
-
7 344
-
Corporate
-
36 500
-
-
income
-
7 664
-
-
total
-
7 664
-
-
Dividends
-
28 836
-
-
withholding
-
2 019
-
-
total
-
2 019
-
-
Income
36 500
36 500
36 500
36 500
Total tax
16 762
9 683
15 103
16 735
After tax
19 738
26 817
21 397
19 765
Living cost
23 740
23 740
23 740
23 740
Free-cash
-4 002
3 077
-2 343
-3 975

Estimated living cost  is ₽23740 per week

₽16774
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1603
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.
₽4981
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
₽11376
₽11058
₽19540
₽15406
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
-
-
-
36 500
income
-
-
-
5 475
health
-
-
-
3 575
unemployment
-
-
-
124
pensions

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

-
-
-
4 600
total
-
-
-
13 774
Employee
15 449
-
30 514
-
income
1 545
-
3 051
-
health
711
-
1 404
-
accident

We are using the highest rate at 1.1%.

170
-
336
-
pensions

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

1 356
-
2 679
-
total
3 782
-
7 470
-
Employer
15 449
-
30 514
-
unemployment
92
-
183
-
pensions

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

1 703
-
3 362
-
accident

We are using the highest rate at 1.1%.

170
-
336
-
health
1 066
-
2 105
-
total
3 031
-
5 986
-
Corporate
18 019
36 500
-
-
income
1 802
3 650
-
-
total
1 802
3 650
-
-
Dividends
16 217
32 850
-
-
withholding
811
1 642
-
-
total
811
1 642
-
-
Income
36 500
36 500
36 500
36 500
Total tax
9 426
5 292
13 456
13 774
After tax
27 074
31 208
23 044
22 726
Living cost
11 668
11 668
11 668
11 668
Free-cash
15 406
19 540
11 376
11 058

Estimated living cost  is ₽11668 per week

₽6812
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽833
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽309
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.
₽3714
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
-₽7606
-₽8278
-₽12088
-₽13539
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
-
-
-
36 500
income
-
-
-
901
social contributions
-
-
-
1 040
health
-
-
-
316
surtax
-
-
-
-
pensions
-
-
-
10 907
other
-
-
-
1 131
total
-
-
-
14 295
Employee
38 132
-
27 811
-
income
2 250
-
1 003
-
social contributions
1 087
-
793
-
surtax
-
-
-
-
pensions
4 311
-
3 145
-
total
7 648
-
4 941
-
Employer
38 132
-
27 811
-
unemployment
1 544
-
1 126
-
social contributions
115
-
83
-
pensions
6 264
-
4 568
-
other
1 315
-
959
-
health
2 670
-
1 946
-
total
11 908
-
8 682
-
Corporate
-
36 500
-
-
income
-
10 221
-
-
surtax
-
-
-
-
total
-
10 221
-
-
Dividends
-
26 279
-
-
withholding
-
3 363
-
-
surtax
-
-
-
-
social contributions
-
4 521
-
-
total
-
7 884
-
-
Income
36 500
36 500
36 500
36 500
Total tax
19 556
18 105
13 623
14 295
After tax
16 944
18 395
22 877
22 205
Living cost
30 483
30 483
30 483
30 483
Free-cash
-13 539
-12 088
-7 606
-8 278

Estimated living cost  is ₽30483 per week

₽19221
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2479
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.
₽8266
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
-₽51974
-₽16312
-₽46972
-₽51974
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
-
-
-
36 500
income
-
-
-
3 315
health
-
-
-
5 603
pensions
-
-
-
6 570
total
-
-
-
15 488
Employee
76 084
76 084
76 084
-
income

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

12 454
12 454
12 454
-
health
11 678
9 933
11 678
-
pensions
13 695
10 439
13 695
-
total
37 827
32 826
37 827
-
Employer
76 084
76 084
76 084
-
unemployment
2 739
2 739
2 739
-
pensions
5 295
5 295
5 295
-
health
5 289
5 289
5 289
-
total
13 323
13 323
13 323
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Income
36 500
36 500
36 500
36 500
Total tax
51 150
46 149
51 150
15 488
After tax
-14 650
-9 649
-14 650
21 012
Living cost
37 324
37 324
37 324
37 324
Free-cash
-51 974
-46 972
-51 974
-16 312

Estimated living cost  is ₽37324 per week

₽26450
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3365
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽593
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.
₽6915
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
₽1777
₽1777
-₽8380
₽1475
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.

-
-
-
36 500
income

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

-
-
-
1 564
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.

-
-
-
6 087
trade
-
-
-
-
surtax

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

-
-
-
86
total
-
-
-
7 737
Employee

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

34 077
-
36 500
-
income

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

952
-
1 564
-
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.

6 087
-
6 087
-
surtax

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

52
-
86
-
total
7 091
-
7 737
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
2 423
36 500
-
-
chamber of commerce
139
188
-
-
income
364
5 475
-
-
surtax

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

20
301
-
-
trade
382
5 749
-
-
total
905
11 713
-
-
Dividends
1 518
24 788
-
-
withholding
41
5 858
-
-
surtax

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

2
323
-
-
total
43
6 181
-
-
Income
36 500
36 500
36 500
36 500
Total tax
8 039
17 894
7 737
7 737
After tax
28 461
18 606
28 763
28 763
Living cost
26 986
26 986
26 986
26 986
Free-cash
1 475
-8 380
1 777
1 777

Estimated living cost  is ₽26986 per week

₽16975
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3147
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽504
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.
₽6361
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
₽1791
₽9248
-₽4275
₽1543
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
-
-
-
36 500
income
-
-
-
-
social contributions
-
-
-
5 694
health
-
-
-
930
total
-
-
-
6 624
Employee
68 510
68 510
68 510
-
income
7 460
6 342
7 402
-
social contributions
2 590
5 686
2 751
-
health
531
1 165
563
-
total
10 581
13 193
10 716
-
Employer
68 510
68 510
68 510
-
social contributions
2 590
5 686
2 751
-
health
577
1 268
614
-
total
3 167
6 954
3 365
-
Corporate
2 124
-
-
-
income
265
-
-
-
total
265
-
-
-
Dividends
1 859
-
-
-
withholding
316
-
-
-
total
316
-
-
-
Income
36 500
36 500
36 500
36 500
Total tax
14 329
20 147
14 081
6 624
After tax
22 171
16 353
22 419
29 876
Living cost
20 628
20 628
20 628
20 628
Free-cash
1 543
-4 275
1 791
9 248

Estimated living cost  is ₽20628 per week

₽12363
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2024
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.
₽5786
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
-₽7163
-₽6491
-₽7183
-₽14209
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.

-
-
-
36 500
income
-
-
-
2 361
social contributions

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

-
-
-
12 684
surtax
-
-
-
-
total
-
-
-
15 045
Employee
40 977
-
29 495
-
income
8 523
-
5 467
-
social contributions
4 508
-
3 245
-
surtax
-
-
-
-
total
13 031
-
8 712
-
Employer
40 977
-
29 495
-
social contributions
9 732
-
7 005
-
total
9 732
-
7 005
-
Corporate
-
36 500
-
-
income
-
7 664
-
-
surtax
-
-
-
-
total
-
7 664
-
-
Dividends
-
28 836
-
-
withholding
-
8 073
-
-
total
-
8 073
-
-
Income
36 500
36 500
36 500
36 500
Total tax
22 763
15 737
15 717
15 045
After tax
13 737
20 763
20 783
21 455
Living cost
27 946
27 946
27 946
27 946
Free-cash
-14 209
-7 183
-7 163
-6 491

Estimated living cost  is ₽27946 per week

₽20910
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1648
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽467
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4922
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
₽22869
₽29804
₽28344
₽27157
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%.

-
-
-
36 500
microenterprise

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

-
-
-
365
total
-
-
-
365
Employee
7 914
-
36 500
-
income
1 583
-
7 300
-
total
1 583
-
7 300
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

28 586
36 500
-
-
total
-
-
-
-
Dividends
28 586
36 500
-
-
withholding
1 429
1 825
-
-
total
1 429
1 825
-
-
Income
36 500
36 500
36 500
36 500
Total tax
3 012
1 825
7 300
365
After tax
33 488
34 675
29 200
36 135
Living cost
6 331
6 331
6 331
6 331
Free-cash
27 157
28 344
22 869
29 804

Estimated living cost  is ₽6331 per week

₽3924
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽526
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽174
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.
₽1707
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
-₽4445
-₽3287
₽1233
-₽9033
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.

-
-
-
36 500
income
-
-
-
5 580
health
-
-
-
3 591
unemployment
-
-
-
54
pensions
-
-
-
6 665
total
-
-
-
15 890
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.

39 398
-
31 583
-
income
6 794
-
5 151
-
health
2 545
-
2 041
-
unemployment
56
-
44
-
pensions
6 107
-
4 895
-
total
15 502
-
12 131
-
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.

39 398
-
31 583
-
unemployment
24
-
19
-
pensions
3 486
-
2 795
-
health
2 624
-
2 103
-
total
6 134
-
4 917
-
Corporate
-
36 500
-
-
income
-
6 935
-
-
total
-
6 935
-
-
Dividends
-
29 565
-
-
withholding
-
4 435
-
-
total
-
4 435
-
-
Income
36 500
36 500
36 500
36 500
Total tax
21 636
11 370
17 048
15 890
After tax
14 864
25 130
19 452
20 610
Living cost
23 897
23 897
23 897
23 897
Free-cash
-9 033
1 233
-4 445
-3 287

Estimated living cost  is ₽23897 per week

₽16400
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1532
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽463
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.
₽5503
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
-₽5194
-₽26972
-₽12176
-₽11127
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.

-
-
-
36 500
income
-
-
-
25 361
health

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

-
-
-
5 769
total
-
-
-
31 130
Employee
40 872
-
33 176
-
social contributions
4 095
-
3 324
-
income
4 435
-
2 704
-
total
8 530
-
6 028
-
Employer
40 872
-
33 176
-
social contributions
4 095
-
3 324
-
total
4 095
-
3 324
-
Corporate
-
36 500
-
-
income
-
12 775
-
-
total
-
12 775
-
-
Dividends
-
23 725
-
-
social contributions
2 660
3 559
-
-
total
2 660
3 559
-
-
Income
36 500
36 500
36 500
36 500
Total tax
15 285
16 334
9 352
31 130
After tax
21 215
20 166
27 148
5 370
Living cost
32 342
32 342
32 342
32 342
Free-cash
-11 127
-12 176
-5 194
-26 972

Estimated living cost  is ₽32342 per week

₽21304
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2550
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.
₽7992
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
₽3537
₽4548
₽3377
₽2743
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
-
-
-
36 500
income
-
-
-
5 475
social contributions
-
-
-
5 037
health
-
-
-
2 548
total
-
-
-
13 060
Employee
30 209
-
36 500
-
income
5 038
-
6 486
-
social contributions
4 169
-
5 037
-
health
2 108
-
2 548
-
total
11 315
-
14 071
-
Employer
30 209
-
36 500
-
total
-
-
-
-
Corporate
6 291
36 500
-
-
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%.

314
1 824
-
-
total
314
1 824
-
-
Dividends
5 977
34 676
-
-
withholding
896
5 201
-
-
health
786
2 421
-
-
social contributions
1 554
4 785
-
-
total
3 236
12 407
-
-
Income
36 500
36 500
36 500
36 500
Total tax
14 865
14 231
14 071
13 060
After tax
21 635
22 269
22 429
23 440
Living cost
18 892
18 892
18 892
18 892
Free-cash
2 743
3 377
3 537
4 548

Estimated living cost  is ₽18892 per week

₽12644
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1165
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽435
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.
₽4648
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
-₽5779
-₽6524
₽829
-₽11386
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
-
-
-
36 500
income
-
-
-
3 137
social contributions
-
-
-
10 658
solidarity contribution
-
-
-
-
health
-
-
-
4 928
total
-
-
-
18 723
Employee
35 737
-
27 239
-
solidarity contribution
-
-
-
-
income
4 288
-
3 269
-
social contributions
2 323
-
1 771
-
health
4 824
-
3 677
-
total
11 435
-
8 717
-
Employer
35 737
-
27 239
-
social contributions
8 934
-
6 810
-
health
3 216
-
2 451
-
total
12 150
-
9 261
-
Corporate
-
36 500
-
-
income
-
6 935
-
-
total
-
6 935
-
-
Dividends
-
29 565
-
-
withholding
-
4 435
-
-
total
-
4 435
-
-
Income
36 500
36 500
36 500
36 500
Total tax
23 585
11 370
17 978
18 723
After tax
12 915
25 130
18 522
17 777
Living cost
24 301
24 301
24 301
24 301
Free-cash
-11 386
829
-5 779
-6 524

Estimated living cost  is ₽24301 per week

₽18072
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1346
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽420
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4463
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
₽19334
₽26269
₽24809
₽22959
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%.

-
-
-
36 500
microenterprise

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

-
-
-
365
total
-
-
-
365
Employee
12 333
-
36 500
-
income
2 467
-
7 300
-
total
2 467
-
7 300
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

24 167
36 500
-
-
total
-
-
-
-
Dividends
24 167
36 500
-
-
withholding
1 208
1 825
-
-
total
1 208
1 825
-
-
Income
36 500
36 500
36 500
36 500
Total tax
3 675
1 825
7 300
365
After tax
32 825
34 675
29 200
36 135
Living cost
9 866
9 866
9 866
9 866
Free-cash
22 959
24 809
19 334
26 269

Estimated living cost  is ₽9866 per week

₽6676
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽414
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽331
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.
₽2444
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
-₽20155
-₽20827
-₽24637
-₽36731
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
-
-
-
36 500
income
-
-
-
901
social contributions
-
-
-
1 040
health
-
-
-
316
surtax
-
-
-
-
pensions
-
-
-
10 907
other
-
-
-
1 131
total
-
-
-
14 295
Employee
55 802
-
27 811
-
income
4 869
-
1 003
-
social contributions
1 589
-
793
-
surtax
-
-
-
-
pensions
6 312
-
3 145
-
total
12 770
-
4 941
-
Employer
55 802
-
27 811
-
unemployment
2 261
-
1 126
-
social contributions
167
-
83
-
pensions
9 169
-
4 568
-
other
1 926
-
959
-
health
3 906
-
1 946
-
total
17 429
-
8 682
-
Corporate
-
36 500
-
-
income
-
10 221
-
-
surtax
-
-
-
-
total
-
10 221
-
-
Dividends
-
26 279
-
-
withholding
-
3 363
-
-
surtax
-
-
-
-
social contributions
-
4 521
-
-
total
-
7 884
-
-
Income
36 500
36 500
36 500
36 500
Total tax
30 199
18 105
13 623
14 295
After tax
6 301
18 395
22 877
22 205
Living cost
43 032
43 032
43 032
43 032
Free-cash
-36 731
-24 637
-20 155
-20 827

Estimated living cost  is ₽43032 per week

₽29123
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3520
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽590
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.
₽9798
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
₽4680
₽3107
₽11005
₽6634
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.

-
-
-
36 500
income
-
-
-
4 230
health
-
-
-
3 760
unemployment
-
-
-
547
pensions
-
-
-
9 490
total
-
-
-
18 027
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.

23 170
-
30 958
-
income
3 194
-
4 753
-
health
1 193
-
1 594
-
unemployment
174
-
232
-
pensions
3 244
-
4 334
-
total
7 805
-
10 913
-
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.

23 170
-
30 958
-
unemployment
174
-
232
-
pensions
2 780
-
3 715
-
health
1 193
-
1 594
-
total
4 147
-
5 541
-
Corporate
9 182
36 500
-
-
income
1 377
5 475
-
-
total
1 377
5 475
-
-
Dividends
7 805
31 025
-
-
withholding
1 171
4 654
-
-
total
1 171
4 654
-
-
Income
36 500
36 500
36 500
36 500
Total tax
14 500
10 129
16 454
18 027
After tax
22 000
26 371
20 046
18 473
Living cost
15 366
15 366
15 366
15 366
Free-cash
6 634
11 005
4 680
3 107

Estimated living cost  is ₽15366 per week

₽10346
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1189
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽445
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3387
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
-₽33315
-₽31065
-₽45494
-₽43205
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
-
-
-
36 500
regional
-
-
-
636
national
-
-
-
70
health
-
-
-
203
city
-
-
-
383
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.

-
-
-
730
pensions
-
-
-
3 359
total
-
-
-
5 381
Employee
72 771
-
32 451
-
regional
2 383
-
509
-
city
781
-
345
-
health
165
-
73
-
unemployment
-
-
-
-
national
344
-
45
-
pensions
6 114
-
2 969
-
total
9 787
-
3 941
-
Employer
72 771
-
32 451
-
unemployment
-
-
-
-
pensions
6 114
-
2 969
-
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.

1 455
-
648
-
health
165
-
73
-
total
7 734
-
3 690
-
Corporate
-
36 500
-
-
regional
-
7 720
-
-
national
-
3 103
-
-
total
-
10 823
-
-
Dividends
-
25 676
-
-
withholding
-
8 987
-
-
total
-
8 987
-
-
Income
36 500
36 500
36 500
36 500
Total tax
17 521
19 810
7 631
5 381
After tax
18 979
16 690
28 869
31 119
Living cost
62 184
62 184
62 184
62 184
Free-cash
-43 205
-45 494
-33 315
-31 065

Estimated living cost  is ₽62184 per week

₽40437
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5580
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽763
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.
₽15403
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
-₽11189
-₽4824
-₽8948
-₽19218
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

-
-
-
36 500
municipal
-
-
-
6 535
national
-
-
-
392
health
-
-
-
191
total
-
-
-
7 118
Employee
46 875
-
30 706
-
health
350
-
101
-
unemployment
703
-
460
-
national
774
-
-
-
municipal
7 678
-
5 054
-
pensions
3 163
-
2 073
-
total
12 668
-
7 688
-
Employer
46 875
-
30 706
-
unemployment
304
-
200
-
pensions
8 133
-
5 328
-
accident
47
-
30
-
health
360
-
237
-
total
8 844
-
5 795
-
Corporate
-
36 500
-
-
income
-
7 301
-
-
total
-
7 301
-
-
Dividends

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

-
21 899
-
-
national
-
-
-
-
municipal
-
3 941
-
-
total
-
3 941
-
-
Income
36 500
36 500
36 500
36 500
Total tax
21 512
11 242
13 483
7 118
After tax
14 988
25 258
23 017
29 382
Living cost
34 206
34 206
34 206
34 206
Free-cash
-19 218
-8 948
-11 189
-4 824

Estimated living cost  is ₽34206 per week

₽22343
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3290
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽544
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8029
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
-₽15852
-₽10956
-₽11822
-₽45782
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
-
-
-
36 500
national
-
-
-
10 098
social contributions
-
-
-
2 854
communal

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

-
-
-
2 019
total
-
-
-
14 971
Employee

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

63 731
-
28 271
-
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.

2 994
-
1 329
-
communal

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

3 324
-
1 474
-
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.

555
-
245
-
national
19 593
-
6 470
-
pensions

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

4 780
-
2 120
-
total
31 246
-
11 638
-
Employer

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

63 731
-
28 271
-
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.

930
-
413
-
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.

5 647
-
2 504
-
surtax
7 226
-
3 206
-
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.

828
-
367
-
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.

3 919
-
1 738
-
total
18 550
-
8 228
-
Corporate
-
36 500
-
-
income
-
7 301
-
-
surtax
-
145
-
-
total
-
7 446
-
-
Dividends
-
29 054
-
-
withholding

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

-
8 391
-
-
total
-
8 391
-
-
Income
36 500
36 500
36 500
36 500
Total tax
49 796
15 837
19 866
14 971
After tax
-13 296
20 663
16 634
21 529
Living cost
32 485
32 485
32 485
32 485
Free-cash
-45 782
-11 822
-15 852
-10 956

Estimated living cost  is ₽32485 per week

₽20925
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2840
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽509
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.
₽8212
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
-₽16687
-₽17984
-₽16250
-₽31249
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
-
-
-
36 500
municipal
-
-
-
7 731
national
-
-
-
-
health
-
-
-
2 278
accident
-
-
-
73
unemployment
-
-
-
36
pensions
-
-
-
3 946
other
-
-
-
4 241
total
-
-
-
18 305
Employee
51 552
-
27 774
-
national
-
-
-
-
municipal
15 373
-
8 282
-
total
15 373
-
8 282
-
Employer
51 552
-
27 774
-
unemployment
1 361
-
733
-
pensions
5 573
-
3 002
-
other
5 990
-
3 227
-
accident
103
-
56
-
health
3 170
-
1 708
-
total
16 197
-
8 726
-
Corporate
-
36 500
-
-
income
-
8 030
-
-
total
-
8 030
-
-
Dividends
-
28 470
-
-
withholding
-
8 541
-
-
total
-
8 541
-
-
Income
36 500
36 500
36 500
36 500
Total tax
31 570
16 571
17 008
18 305
After tax
4 930
19 929
19 492
18 195
Living cost
36 179
36 179
36 179
36 179
Free-cash
-31 249
-16 250
-16 687
-17 984

Estimated living cost  is ₽36179 per week

₽23978
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3550
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽549
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.
₽8101
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
-₽14141
-₽13561
-₽16578
-₽97525
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
-
-
-
36 500
income
-
-
-
7 115
social contributions
-
-
-
4 161
total
-
-
-
11 276
Employee
55 612
-
792
-
income
12 267
-
31
-
social contributions
4 560
-
650
-
total
16 827
-
681
-
Employer
55 612
-
792
-
social contributions
78 413
-
11 175
-
total
78 413
-
11 175
-
Corporate
-
36 500
-
-
income
-
8 030
-
-
total
-
8 030
-
-
Dividends
-
28 470
-
-
income
-
6 263
-
-
total
-
6 263
-
-
Income
36 500
36 500
36 500
36 500
Total tax
95 240
14 293
11 856
11 276
After tax
-58 740
22 207
24 644
25 224
Living cost
38 785
38 785
38 785
38 785
Free-cash
-97 525
-16 578
-14 141
-13 561

Estimated living cost  is ₽38785 per week

₽25165
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3648
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽494
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.
₽9478
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
-₽6479
₽978
-₽12545
-₽7673
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
-
-
-
36 500
income
-
-
-
-
social contributions
-
-
-
5 694
health
-
-
-
930
total
-
-
-
6 624
Employee
68 510
68 510
68 510
-
income
7 194
6 342
7 402
-
social contributions
3 329
5 686
2 751
-
health
681
1 165
563
-
total
11 204
13 193
10 716
-
Employer
68 510
68 510
68 510
-
social contributions
3 329
5 686
2 751
-
health
742
1 268
614
-
total
4 071
6 954
3 365
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
36 500
36 500
36 500
36 500
Total tax
15 275
20 147
14 081
6 624
After tax
21 225
16 353
22 419
29 876
Living cost
28 898
28 898
28 898
28 898
Free-cash
-7 673
-12 545
-6 479
978

Estimated living cost  is ₽28898 per week

₽19755
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2257
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽485
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.
₽6401
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
-₽7583
-₽4316
-₽4692
-₽12758
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
-
-
-
36 500
income
-
-
-
6 932
pensions
-
-
-
1 845
total
-
-
-
8 777
Employee
43 978
-
32 952
-
income
8 009
-
6 113
-
health
574
-
348
-
pensions
3 357
-
2 034
-
total
11 940
-
8 495
-
Employer
43 978
-
32 952
-
pensions
4 443
-
2 922
-
health
836
-
627
-
total
5 279
-
3 549
-
Corporate
-
36 500
-
-
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.

-
6 936
-
-
total
-
6 936
-
-
Dividends
-
29 564
-
-
withholding
-
2 217
-
-
total
-
2 217
-
-
Income
36 500
36 500
36 500
36 500
Total tax
17 219
9 153
12 044
8 777
After tax
19 281
27 347
24 456
27 723
Living cost
32 039
32 039
32 039
32 039
Free-cash
-12 758
-4 692
-7 583
-4 316

Estimated living cost  is ₽32039 per week

₽21979
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2946
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽401
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.
₽6711
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
-₽17502
-₽15417
-₽16269
-₽38578
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
-
-
-
36 500
municipal
-
-
-
243
regional
-
-
-
486
national
-
-
-
6 307
social contributions
-
-
-
9 387
total
-
-
-
16 423
Employee
75 078
-
36 500
-
regional
1 133
-
419
-
social contributions
25 316
-
12 307
-
national
12 687
-
5 564
-
municipal
448
-
218
-
total
39 584
-
18 508
-
Employer
75 078
-
36 500
-
total
-
-
-
-
Corporate
-
36 500
-
-
nationa
-
8 760
-
-
municipal
-
1 760
-
-
total
-
10 520
-
-
Dividends
-
25 980
-
-
withholding
-
6 755
-
-
total
-
6 755
-
-
Income
36 500
36 500
36 500
36 500
Total tax
39 584
17 275
18 508
16 423
After tax
-3 084
19 225
17 992
20 077
Living cost
35 494
35 494
35 494
35 494
Free-cash
-38 578
-16 269
-17 502
-15 417

Estimated living cost  is ₽35494 per week

₽24932
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2441
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.
₽7583
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
₽683
₽6589
-₽15635
₽105
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
-
-
-
36 500
income
-
-
-
5 434
health
-
-
-
1 843
accident
-
-
-
213
pensions
-
-
-
3 516
other
-
-
-
313
total
-
-
-
11 319
Employee
29 247
-
30 321
-
income
4 012
-
4 160
-
health
3 349
-
3 472
-
pensions
3 293
-
3 414
-
total
10 654
-
11 046
-
Employer
29 247
-
30 321
-
unemployment
717
-
743
-
pensions
4 756
-
4 930
-
accident
488
-
506
-
total
5 961
-
6 179
-
Corporate
1 293
36 500
-
-
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.

1 163
32 850
-
-
total
1 163
32 850
-
-
Dividends
129
3 650
-
-
withholding
25
693
-
-
total
25
693
-
-
Income
36 500
36 500
36 500
36 500
Total tax
17 803
33 543
17 225
11 319
After tax
18 697
2 957
19 275
25 181
Living cost
18 592
18 592
18 592
18 592
Free-cash
105
-15 635
683
6 589

Estimated living cost  is ₽18592 per week

₽13627
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1030
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽388
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.
₽3548
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
-₽5634
-₽5634
-₽15415
-₽7830
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.

-
-
-
36 500
income

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

-
-
-
1 564
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.

-
-
-
6 087
trade
-
-
-
-
surtax

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

-
-
-
86
total
-
-
-
7 737
Employee

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

44 331
-
36 500
-
income

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

3 645
-
1 564
-
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.

6 087
-
6 087
-
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.

201
-
86
-
total
9 933
-
7 737
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
36 500
-
-
chamber of commerce
-
189
-
-
income
-
5 475
-
-
surtax

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

-
301
-
-
trade
-
5 238
-
-
total
-
11 203
-
-
Dividends
-
25 297
-
-
withholding
-
5 985
-
-
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.

-
330
-
-
total
-
6 315
-
-
Income
36 500
36 500
36 500
36 500
Total tax
9 933
17 518
7 737
7 737
After tax
26 567
18 982
28 763
28 763
Living cost
34 397
34 397
34 397
34 397
Free-cash
-7 830
-15 415
-5 634
-5 634

Estimated living cost  is ₽34397 per week

₽23728
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3701
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽499
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6469
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
₽2406
₽9684
₽10663
₽3356
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.

-
-
-
36 500
microenterprise
-
-
-
5 475
income
-
-
-
-
social contributions

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

-
-
-
2 805
surtax
-
-
-
-
total
-
-
-
8 280
Employee
26 034
-
29 414
-
income
4 634
-
5 236
-
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.

2 864
-
3 236
-
surtax
-
-
-
-
total
7 498
-
8 472
-
Employer
26 034
-
29 414
-
social contributions

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

6 271
-
7 086
-
surtax
-
-
-
-
total
6 271
-
7 086
-
Corporate
4 195
36 500
-
-
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%.

839
7 301
-
-
total
839
7 301
-
-
Dividends

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

3 356
29 199
-
-
total
-
-
-
-
Income
36 500
36 500
36 500
36 500
Total tax
14 608
7 301
15 558
8 280
After tax
21 892
29 199
20 942
28 220
Living cost
18 536
18 536
18 536
18 536
Free-cash
3 356
10 663
2 406
9 684

Estimated living cost  is ₽18536 per week

₽11825
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1765
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.
₽4524
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
₽7446
₽6412
₽11093
₽9175
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
-
-
-
36 500
income
-
-
-
5 813
health
-
-
-
5 292
pensions
-
-
-
7 300
total
-
-
-
18 405
Employee
17 795
-
29 796
-
income
3 442
-
6 197
-
health
890
-
1 490
-
unemployment
178
-
298
-
pensions
1 601
-
2 682
-
total
6 111
-
10 667
-
Employer
17 795
-
29 796
-
unemployment
356
-
596
-
pensions
1 957
-
3 278
-
health
1 691
-
2 830
-
total
4 004
-
6 704
-
Corporate
14 701
36 500
-
-
income
3 234
8 030
-
-
total
3 234
8 030
-
-
Dividends
11 467
28 470
-
-
withholding
2 293
5 694
-
-
total
2 293
5 694
-
-
Income
36 500
36 500
36 500
36 500
Total tax
15 642
13 724
17 371
18 405
After tax
20 858
22 776
19 129
18 095
Living cost
11 683
11 683
11 683
11 683
Free-cash
9 175
11 093
7 446
6 412

Estimated living cost  is ₽11683 per week

₽6943
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽947
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽268
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.
₽3526
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
₽98
₽977
₽2947
₽112
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
-
-
-
36 500
income
-
-
-
5 282
health
-
-
-
2 590
unemployment
-
-
-
203
surtax
-
-
-
135
pensions
-
-
-
7 301
other
-
-
-
-
total
-
-
-
15 511
Employee
30 004
-
30 153
-
other
-
-
-
-
income
5 030
-
5 055
-
health
766
-
768
-
unemployment
2 088
-
2 098
-
surtax
107
-
110
-
pensions
2 002
-
2 012
-
total
9 993
-
10 043
-
Employer
30 004
-
30 153
-
unemployment
952
-
955
-
pensions
4 000
-
4 019
-
other
-
-
-
-
health
1 364
-
1 373
-
total
6 316
-
6 347
-
Corporate
179
36 500
-
-
income
47
9 490
-
-
total
47
9 490
-
-
Dividends
132
27 010
-
-
withholding
20
4 051
-
-
total
20
4 051
-
-
Income
36 500
36 500
36 500
36 500
Total tax
16 376
13 541
16 390
15 511
After tax
20 124
22 959
20 110
20 989
Living cost
20 012
20 012
20 012
20 012
Free-cash
112
2 947
98
977

Estimated living cost  is ₽20012 per week

₽12082
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1740
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽465
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.
₽5727
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
-₽14665
-₽7803
-₽12038
-₽14500
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
-
-
-
36 500
income
-
-
-
724
chamber of commerce
-
-
-
145
health
-
-