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
₽ 41000
per

Your estimated
City
free-cash

Valencia , Spain
₽1918
₽1504
₽1186
₽6159
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
-
-
-
41 000
unemployment
-
-
-
287
income
-
-
-
5 962
other
-
-
-
42
accident
-
-
-
369
pensions
-
-
-
11 603
total
-
-
-
18 263
Employee
28 978
-
31 089
-
unemployment
449
-
482
-
pensions
1 362
-
1 460
-
income
5 587
-
6 061
-
other
28
-
31
-
total
7 426
-
8 034
-
Employer
28 978
-
31 089
-
pensions
6 838
-
7 337
-
accident
574
-
616
-
unemployment
1 594
-
1 710
-
other
232
-
248
-
total
9 238
-
9 911
-
Corporate
2 783
41 000
-
-
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.

418
6 150
-
-
total
418
6 150
-
-
Dividends
2 365
34 850
-
-
withholding
449
7 140
-
-
total
449
7 140
-
-
Income
41 000
41 000
41 000
41 000
Total tax
17 531
13 290
17 945
18 263
After tax
23 469
27 710
23 055
22 737
Living cost
21 551
21 551
21 551
21 551
Free-cash
1 918
6 159
1 504
1 186

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
₽3946
₽3150
₽1318
₽9239
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
-
-
-
41 000
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.

-
-
-
9 840
income
-
-
-
5 208
other
-
-
-
1 947
health
-
-
-
1 804
total
-
-
-
18 799
Employee
28 456
-
32 747
-
health
399
-
458
-
unemployment
284
-
327
-
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
-
2 293
-
income
4 899
-
5 637
-
total
7 573
-
8 715
-
Employer
28 456
-
32 747
-
health
399
-
458
-
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
-
5 568
-
accident
228
-
262
-
unemployment
284
-
327
-
other
1 423
-
1 637
-
total
7 172
-
8 252
-
Corporate
5 373
41 000
-
-
income
1 129
8 610
-
-
total
1 129
8 610
-
-
Dividends
4 244
32 390
-
-
withholding
297
2 268
-
-
total
297
2 268
-
-
Income
41 000
41 000
41 000
41 000
Total tax
16 171
10 878
16 967
18 799
After tax
24 829
30 122
24 033
22 201
Living cost
20 883
20 883
20 883
20 883
Free-cash
3 946
9 239
3 150
1 318

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
₽21145
₽17836
₽17274
₽24785
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
-
-
-
41 000
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
-
-
-
6 150
health
-
-
-
3 147
total
-
-
-
13 456
Employee
13 600
-
35 632
-
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
-
3 563
-
total
3 330
-
7 526
-
Employer
13 600
-
35 632
-
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
24 732
41 000
-
-
income
2 473
4 100
-
-
total
2 473
4 100
-
-
Dividends
22 259
36 900
-
-
withholding
1 113
1 845
-
-
total
1 113
1 845
-
-
Income
41 000
41 000
41 000
41 000
Total tax
9 585
5 945
12 894
13 456
After tax
31 415
35 055
28 106
27 544
Living cost
10 270
10 270
10 270
10 270
Free-cash
21 145
24 785
17 836
17 274

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
-₽3015
-₽1693
-₽2151
-₽6149
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
-
-
-
41 000
income
-
-
-
1 634
other
-
-
-
1 272
health
-
-
-
355
social contributions
-
-
-
1 167
pensions
-
-
-
11 910
surtax
-
-
-
-
total
-
-
-
16 338
Employee
33 541
-
31 241
-
pensions
3 792
-
3 534
-
income
1 980
-
1 701
-
social contributions
956
-
889
-
surtax
-
-
-
-
total
6 728
-
6 124
-
Employer
33 541
-
31 241
-
health
2 348
-
2 186
-
social contributions
101
-
94
-
pensions
5 510
-
5 132
-
unemployment
1 358
-
1 266
-
other
1 157
-
1 078
-
total
10 474
-
9 756
-
Corporate
-
41 000
-
-
income
-
11 480
-
-
surtax
-
-
-
-
total
-
11 480
-
-
Dividends
-
29 520
-
-
social contributions
-
5 077
-
-
surtax
-
-
-
-
withholding
-
3 779
-
-
total
-
8 856
-
-
Income
41 000
41 000
41 000
41 000
Total tax
17 202
20 336
15 880
16 338
After tax
23 798
20 664
25 120
24 662
Living cost
26 813
26 813
26 813
26 813
Free-cash
-3 015
-6 149
-1 693
-2 151

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
-₽36824
-₽36824
-₽9349
-₽32424
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
-
-
-
41 000
pensions
-
-
-
7 381
income
-
-
-
3 845
health
-
-
-
6 292
total
-
-
-
17 518
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
41 000
41 000
41 000
41 000
Total tax
44 993
40 593
44 993
17 518
After tax
-3 993
407
-3 993
23 482
Living cost
32 831
32 831
32 831
32 831
Free-cash
-36 824
-32 424
-36 824
-9 349

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
₽5769
₽7935
₽7217
-₽2901
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.

-
-
-
41 000
trade
-
-
-
718
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.

-
-
-
3 766
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.

-
-
-
207
total
-
-
-
10 045
Employee

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

29 975
-
41 000
-
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
-
3 766
-
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
-
207
-
total
6 237
-
9 327
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
11 025
41 000
-
-
income
1 654
6 150
-
-
trade
1 737
6 458
-
-
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.

91
338
-
-
chamber of commerce
135
178
-
-
total
3 617
13 124
-
-
Dividends
7 408
27 877
-
-
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.

85
367
-
-
withholding
1 554
6 672
-
-
total
1 639
7 039
-
-
Income
41 000
41 000
41 000
41 000
Total tax
11 493
20 163
9 327
10 045
After tax
29 507
20 837
31 673
30 955
Living cost
23 738
23 738
23 738
23 738
Free-cash
5 769
-2 901
7 935
7 217

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
₽7817
₽9086
₽14500
₽5132
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
-
-
-
41 000
income
-
-
-
912
health
-
-
-
1 046
social contributions
-
-
-
6 397
total
-
-
-
8 355
Employee
60 263
60 263
60 263
-
health
467
1 025
632
-
income
6 562
5 579
6 270
-
social contributions
2 278
5 002
3 089
-
total
9 307
11 606
9 991
-
Employer
60 263
60 263
60 263
-
health
507
1 115
689
-
social contributions
2 278
5 002
3 089
-
total
2 785
6 117
3 778
-
Corporate
10 762
-
-
-
income
1 346
-
-
-
total
1 346
-
-
-
Dividends
9 416
-
-
-
withholding
1 600
-
-
-
total
1 600
-
-
-
Income
41 000
41 000
41 000
41 000
Total tax
15 038
17 723
13 769
8 355
After tax
25 962
23 277
27 231
32 645
Living cost
18 145
18 145
18 145
18 145
Free-cash
7 817
5 132
9 086
14 500

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
-₽3604
-₽1727
-₽762
-₽1261
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.

-
-
-
41 000
income
-
-
-
2 932
social contributions

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

-
-
-
14 248
surtax
-
-
-
-
total
-
-
-
17 180
Employee
36 044
-
33 131
-
income
7 497
-
6 632
-
social contributions
3 965
-
3 644
-
surtax
-
-
-
-
total
11 462
-
10 276
-
Employer
36 044
-
33 131
-
social contributions
8 560
-
7 869
-
total
8 560
-
7 869
-
Corporate
-
41 000
-
-
income
-
8 610
-
-
surtax
-
-
-
-
total
-
8 610
-
-
Dividends
-
32 390
-
-
withholding
-
9 069
-
-
total
-
9 069
-
-
Income
41 000
41 000
41 000
41 000
Total tax
20 022
17 679
18 145
17 180
After tax
20 978
23 321
22 855
23 820
Living cost
24 582
24 582
24 582
24 582
Free-cash
-3 604
-1 261
-1 727
-762

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
₽31737
₽26726
₽34516
₽32876
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%.

-
-
-
41 000
microenterprise

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

-
-
-
410
total
-
-
-
410
Employee
7 592
-
41 000
-
income
1 518
-
8 200
-
total
1 518
-
8 200
-
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%.

33 408
41 000
-
-
total
-
-
-
-
Dividends
33 408
41 000
-
-
withholding
1 671
2 050
-
-
total
1 671
2 050
-
-
Income
41 000
41 000
41 000
41 000
Total tax
3 189
2 050
8 200
410
After tax
37 811
38 950
32 800
40 590
Living cost
6 074
6 074
6 074
6 074
Free-cash
31 737
32 876
26 726
34 516

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
₽652
₽466
₽1766
₽7207
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.

-
-
-
41 000
pensions
-
-
-
7 488
unemployment
-
-
-
61
income
-
-
-
6 631
health
-
-
-
4 033
total
-
-
-
18 213
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
-
35 476
-
health
2 238
-
2 292
-
unemployment
49
-
49
-
pensions
5 372
-
5 498
-
income
5 976
-
6 150
-
total
13 635
-
13 989
-
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
-
35 476
-
health
2 308
-
2 363
-
pensions
3 067
-
3 140
-
unemployment
21
-
21
-
total
5 396
-
5 524
-
Corporate
949
41 000
-
-
income
180
7 790
-
-
total
180
7 790
-
-
Dividends
769
33 210
-
-
withholding
116
4 982
-
-
total
116
4 982
-
-
Income
41 000
41 000
41 000
41 000
Total tax
19 327
12 772
19 513
18 213
After tax
21 673
28 228
21 487
22 787
Living cost
21 021
21 021
21 021
21 021
Free-cash
652
7 207
466
1 766

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
-₽1399
₽1080
-₽14712
-₽5797
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.

-
-
-
41 000
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
-
37 395
-
social contributions
3 602
-
3 605
-
income
3 901
-
4 261
-
total
7 503
-
7 866
-
Employer
35 952
-
37 395
-
social contributions
3 602
-
3 605
-
total
3 602
-
3 605
-
Corporate
1 446
41 000
-
-
income
506
14 350
-
-
total
506
14 350
-
-
Dividends
940
26 650
-
-
social contributions
2 339
3 998
-
-
total
2 339
3 998
-
-
Income
41 000
41 000
41 000
41 000
Total tax
13 950
18 348
11 471
27 263
After tax
27 050
22 652
29 529
13 737
Living cost
28 449
28 449
28 449
28 449
Free-cash
-1 399
-5 797
1 080
-14 712

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
₽8803
₽8113
₽9714
₽8396
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
-
-
-
41 000
income
-
-
-
6 150
health
-
-
-
2 861
social contributions
-
-
-
5 657
total
-
-
-
14 668
Employee
26 572
-
41 000
-
health
1 855
-
2 861
-
income
4 432
-
7 751
-
social contributions
3 668
-
5 657
-
total
9 955
-
16 269
-
Employer
26 572
-
41 000
-
total
-
-
-
-
Corporate
14 428
41 000
-
-
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%.

721
2 049
-
-
total
721
2 049
-
-
Dividends
13 706
38 951
-
-
social contributions
1 892
5 375
-
-
withholding
2 055
5 843
-
-
health
956
2 719
-
-
total
4 903
13 937
-
-
Income
41 000
41 000
41 000
41 000
Total tax
15 579
15 986
16 269
14 668
After tax
25 421
25 014
24 731
26 332
Living cost
16 618
16 618
16 618
16 618
Free-cash
8 803
8 396
8 113
9 714

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
-₽2228
-₽1132
-₽1968
₽6291
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
-
-
-
41 000
income
-
-
-
3 524
health
-
-
-
5 535
social contributions
-
-
-
11 972
solidarity contribution
-
-
-
-
total
-
-
-
21 031
Employee
32 261
-
30 597
-
health
4 355
-
4 131
-
solidarity contribution
-
-
-
-
income
3 871
-
3 672
-
social contributions
2 097
-
1 989
-
total
10 323
-
9 792
-
Employer
32 261
-
30 597
-
health
2 903
-
2 754
-
social contributions
8 065
-
7 649
-
total
10 968
-
10 403
-
Corporate
-
41 000
-
-
income
-
7 790
-
-
total
-
7 790
-
-
Dividends
-
33 210
-
-
withholding
-
4 982
-
-
total
-
4 982
-
-
Income
41 000
41 000
41 000
41 000
Total tax
21 291
12 772
20 195
21 031
After tax
19 709
28 228
20 805
19 969
Living cost
21 937
21 937
21 937
21 937
Free-cash
-2 228
6 291
-1 132
-1 968

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
₽27711
₽23335
₽31125
₽29485
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%.

-
-
-
41 000
microenterprise

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

-
-
-
410
total
-
-
-
410
Employee
11 832
-
41 000
-
income
2 366
-
8 200
-
total
2 366
-
8 200
-
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%.

29 168
41 000
-
-
total
-
-
-
-
Dividends
29 168
41 000
-
-
withholding
1 458
2 050
-
-
total
1 458
2 050
-
-
Income
41 000
41 000
41 000
41 000
Total tax
3 824
2 050
8 200
410
After tax
37 176
38 950
32 800
40 590
Living cost
9 465
9 465
9 465
9 465
Free-cash
27 711
29 485
23 335
31 125

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
-₽23414
-₽12732
-₽13190
-₽17188
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
-
-
-
41 000
income
-
-
-
1 634
other
-
-
-
1 272
health
-
-
-
355
social contributions
-
-
-
1 167
pensions
-
-
-
11 910
surtax
-
-
-
-
total
-
-
-
16 338
Employee
49 085
-
31 241
-
pensions
5 552
-
3 534
-
income
4 283
-
1 701
-
social contributions
1 398
-
889
-
surtax
-
-
-
-
total
11 233
-
6 124
-
Employer
49 085
-
31 241
-
health
3 435
-
2 186
-
social contributions
147
-
94
-
pensions
8 065
-
5 132
-
unemployment
1 988
-
1 266
-
other
1 694
-
1 078
-
total
15 329
-
9 756
-
Corporate
-
41 000
-
-
income
-
11 480
-
-
surtax
-
-
-
-
total
-
11 480
-
-
Dividends
-
29 520
-
-
social contributions
-
5 077
-
-
surtax
-
-
-
-
withholding
-
3 779
-
-
total
-
8 856
-
-
Income
41 000
41 000
41 000
41 000
Total tax
26 562
20 336
15 880
16 338
After tax
14 438
20 664
25 120
24 662
Living cost
37 852
37 852
37 852
37 852
Free-cash
-23 414
-17 188
-12 732
-13 190

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
₽12265
₽8650
₽6886
₽16111
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.

-
-
-
41 000
pensions
-
-
-
10 660
unemployment
-
-
-
615
income
-
-
-
5 104
health
-
-
-
4 223
total
-
-
-
20 602
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
-
34 775
-
health
1 049
-
1 791
-
unemployment
153
-
261
-
pensions
2 853
-
4 869
-
income
2 809
-
5 692
-
total
6 864
-
12 613
-
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
-
34 775
-
health
1 049
-
1 791
-
pensions
2 445
-
4 173
-
unemployment
153
-
261
-
total
3 647
-
6 225
-
Corporate
16 977
41 000
-
-
income
2 547
6 150
-
-
total
2 547
6 150
-
-
Dividends
14 431
34 850
-
-
withholding
2 165
5 227
-
-
total
2 165
5 227
-
-
Income
41 000
41 000
41 000
41 000
Total tax
15 223
11 377
18 838
20 602
After tax
25 777
29 623
22 162
20 398
Living cost
13 512
13 512
13 512
13 512
Free-cash
12 265
16 111
8 650
6 886

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
-₽27302
-₽20620
-₽18540
-₽34541
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
-
-
-
41 000
pensions
-
-
-
3 772
city
-
-
-
431
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.

-
-
-
820
health
-
-
-
174
regional
-
-
-
928
national
-
-
-
126
total
-
-
-
6 251
Employee
62 361
-
36 698
-
health
141
-
82
-
unemployment
-
-
-
-
city
669
-
394
-
pensions
5 239
-
3 082
-
regional
2 042
-
772
-
national
295
-
103
-
total
8 386
-
4 433
-
Employer
62 361
-
36 698
-
health
141
-
82
-
pensions
5 239
-
3 082
-
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
-
734
-
total
6 627
-
3 898
-
Corporate
-
41 000
-
-
regional
-
8 672
-
-
national
-
3 485
-
-
total
-
12 157
-
-
Dividends
-
28 844
-
-
withholding
-
10 095
-
-
total
-
10 095
-
-
Income
41 000
41 000
41 000
41 000
Total tax
15 013
22 252
8 331
6 251
After tax
25 987
18 748
32 669
34 749
Living cost
53 289
53 289
53 289
53 289
Free-cash
-27 302
-34 541
-20 620
-18 540

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
-₽8015
-₽4623
₽2249
-₽1717
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

-
-
-
41 000
municipal
-
-
-
7 325
health
-
-
-
305
national
-
-
-
1 032
total
-
-
-
8 662
Employee
41 232
-
34 490
-
health
308
-
204
-
unemployment
619
-
518
-
pensions
2 783
-
2 328
-
national
681
-
315
-
municipal
6 754
-
5 659
-
total
11 145
-
9 024
-
Employer
41 232
-
34 490
-
health
317
-
266
-
pensions
7 154
-
5 985
-
accident
42
-
34
-
unemployment
268
-
225
-
total
7 781
-
6 510
-
Corporate
-
41 000
-
-
income
-
8 201
-
-
total
-
8 201
-
-
Dividends

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

-
24 600
-
-
municipal
-
4 427
-
-
national
-
-
-
-
total
-
4 427
-
-
Income
41 000
41 000
41 000
41 000
Total tax
18 926
12 628
15 534
8 662
After tax
22 074
28 372
25 466
32 338
Living cost
30 089
30 089
30 089
30 089
Free-cash
-8 015
-1 717
-4 623
2 249

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
-₽31377
-₽10714
-₽5934
-₽5445
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
-
-
-
41 000
communal

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

-
-
-
2 197
social contributions
-
-
-
4 378
national
-
-
-
11 784
total
-
-
-
18 359
Employee

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

56 059
-
31 754
-
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
-
1 493
-
communal

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

2 924
-
1 657
-
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
-
277
-
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
-
2 381
-
national
17 235
-
8 085
-
total
27 485
-
13 893
-
Employer

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

56 059
-
31 754
-
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
-
1 953
-
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
-
2 814
-
surtax
6 356
-
3 602
-
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
-
413
-
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
-
464
-
total
16 317
-
9 246
-
Corporate
-
41 000
-
-
income
-
8 201
-
-
surtax
-
164
-
-
total
-
8 365
-
-
Dividends
-
32 636
-
-
withholding

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

-
9 505
-
-
total
-
9 505
-
-
Income
41 000
41 000
41 000
41 000
Total tax
43 802
17 870
23 139
18 359
After tax
-2 802
23 130
17 861
22 641
Living cost
28 575
28 575
28 575
28 575
Free-cash
-31 377
-5 445
-10 714
-5 934

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
-₽22639
-₽12089
-₽13545
-₽11598
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
-
-
-
41 000
unemployment
-
-
-
41
municipal
-
-
-
8 684
other
-
-
-
4 764
health
-
-
-
2 558
national
-
-
-
-
accident
-
-
-
82
pensions
-
-
-
4 432
total
-
-
-
20 561
Employee
48 425
-
31 198
-
national
-
-
-
-
municipal
14 440
-
9 303
-
total
14 440
-
9 303
-
Employer
48 425
-
31 198
-
health
2 978
-
1 919
-
pensions
5 235
-
3 372
-
accident
97
-
62
-
unemployment
1 278
-
824
-
other
5 627
-
3 625
-
total
15 215
-
9 802
-
Corporate
-
41 000
-
-
income
-
9 020
-
-
total
-
9 020
-
-
Dividends
-
31 980
-
-
withholding
-
9 594
-
-
total
-
9 594
-
-
Income
41 000
41 000
41 000
41 000
Total tax
29 655
18 614
19 105
20 561
After tax
11 345
22 386
21 895
20 439
Living cost
33 984
33 984
33 984
33 984
Free-cash
-22 639
-11 598
-12 089
-13 545

Estimated living cost  is ₽33984 per week

₽22523
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3335
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽516
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.
₽7610
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
-₽89671
-₽8344
-₽9480
-₽12870
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
-
-
-
41 000
income
-
-
-
7 992
social contributions
-
-
-
4 674
total
-
-
-
12 666
Employee
54 220
-
-
-
income
11 960
-
-
-
social contributions
4 446
-
634
-
total
16 406
-
634
-
Employer
54 220
-
-
-
social contributions
76 451
-
10 896
-
total
76 451
-
10 896
-
Corporate
-
41 000
-
-
income
-
9 020
-
-
total
-
9 020
-
-
Dividends
-
31 980
-
-
income
-
7 036
-
-
total
-
7 036
-
-
Income
41 000
41 000
41 000
41 000
Total tax
92 857
16 056
11 530
12 666
After tax
-51 857
24 944
29 470
28 334
Living cost
37 814
37 814
37 814
37 814
Free-cash
-89 671
-12 870
-8 344
-9 480

Estimated living cost  is ₽37814 per week

₽24535
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3556
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽482
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9240
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
₽1559
₽1812
₽7226
-₽2142
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
-
-
-
41 000
income
-
-
-
912
health
-
-
-
1 046
social contributions
-
-
-
6 397
total
-
-
-
8 355
Employee
60 263
60 263
60 263
-
health
599
1 025
632
-
income
6 328
5 579
6 270
-
social contributions
2 928
5 002
3 089
-
total
9 855
11 606
9 991
-
Employer
60 263
60 263
60 263
-
health
653
1 115
689
-
social contributions
2 928
5 002
3 089
-
total
3 581
6 117
3 778
-
Corporate
2 143
-
-
-
income
268
-
-
-
total
268
-
-
-
Dividends
1 876
-
-
-
withholding
318
-
-
-
total
318
-
-
-
Income
41 000
41 000
41 000
41 000
Total tax
14 022
17 723
13 769
8 355
After tax
26 978
23 277
27 231
32 645
Living cost
25 419
25 419
25 419
25 419
Free-cash
1 559
-2 142
1 812
7 226

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
-₽2257
-₽1341
₽2723
₽2582
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
-
-
-
41 000
income
-
-
-
7 715
pensions
-
-
-
2 426
total
-
-
-
10 141
Employee
38 621
-
36 671
-
health
504
-
464
-
pensions
2 948
-
2 714
-
income
7 033
-
6 698
-
total
10 485
-
9 876
-
Employer
38 621
-
36 671
-
health
734
-
697
-
pensions
3 902
-
3 632
-
total
4 636
-
4 329
-
Corporate
-
41 000
-
-
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.

-
7 791
-
-
total
-
7 791
-
-
Dividends
-
33 209
-
-
withholding
-
2 491
-
-
total
-
2 491
-
-
Income
41 000
41 000
41 000
41 000
Total tax
15 121
10 282
14 205
10 141
After tax
25 879
30 718
26 795
30 859
Living cost
28 136
28 136
28 136
28 136
Free-cash
-2 257
2 582
-1 341
2 723

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
-₽25040
-₽11252
-₽8981
-₽9626
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
-
-
-
41 000
municipal
-
-
-
274
regional
-
-
-
609
social contributions
-
-
-
10 546
national
-
-
-
7 331
total
-
-
-
18 760
Employee
66 040
-
41 000
-
social contributions
22 268
-
13 825
-
regional
997
-
518
-
national
11 160
-
6 444
-
municipal
394
-
244
-
total
34 819
-
21 031
-
Employer
66 040
-
41 000
-
total
-
-
-
-
Corporate
-
41 000
-
-
nationa
-
9 840
-
-
municipal
-
1 977
-
-
total
-
11 817
-
-
Dividends
-
29 184
-
-
withholding
-
7 588
-
-
total
-
7 588
-
-
Income
41 000
41 000
41 000
41 000
Total tax
34 819
19 405
21 031
18 760
After tax
6 181
21 595
19 969
22 240
Living cost
31 221
31 221
31 221
31 221
Free-cash
-25 040
-9 626
-11 252
-8 981

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
₽752
₽4909
₽11621
-₽13421
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
-
-
-
41 000
pensions
-
-
-
3 166
income
-
-
-
7 337
other
-
-
-
282
health
-
-
-
1 660
accident
-
-
-
192
total
-
-
-
12 637
Employee
26 337
-
34 059
-
health
3 016
-
3 900
-
pensions
2 966
-
3 835
-
income
3 613
-
4 673
-
total
9 595
-
12 408
-
Employer
26 337
-
34 059
-
pensions
4 283
-
5 538
-
accident
440
-
569
-
unemployment
645
-
834
-
total
5 368
-
6 941
-
Corporate
9 296
41 000
-
-
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.

8 366
36 900
-
-
total
8 366
36 900
-
-
Dividends
930
4 100
-
-
withholding
177
779
-
-
total
177
779
-
-
Income
41 000
41 000
41 000
41 000
Total tax
23 506
37 679
19 349
12 637
After tax
17 494
3 321
21 651
28 363
Living cost
16 742
16 742
16 742
16 742
Free-cash
752
-13 421
4 909
11 621

Estimated living cost  is ₽16742 per week

₽12271
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽928
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.
₽3195
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
₽1256
₽1416
₽762
-₽8995
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.

-
-
-
41 000
trade
-
-
-
654
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.

-
-
-
3 766
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.

-
-
-
207
total
-
-
-
9 981
Employee

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

38 994
-
41 000
-
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
-
3 766
-
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
-
207
-
total
8 737
-
9 327
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
2 006
41 000
-
-
income
300
6 150
-
-
trade
289
5 883
-
-
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.

16
338
-
-
chamber of commerce
122
178
-
-
total
727
12 549
-
-
Dividends
1 279
28 451
-
-
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.

1
375
-
-
withholding
22
6 814
-
-
total
23
7 189
-
-
Income
41 000
41 000
41 000
41 000
Total tax
9 487
19 738
9 327
9 981
After tax
31 513
21 262
31 673
31 019
Living cost
30 257
30 257
30 257
30 257
Free-cash
1 256
-8 995
1 416
762

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
₽10069
₽7220
₽16079
₽16495
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.

-
-
-
41 000
income
-
-
-
-
microenterprise
-
-
-
6 150
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
-
-
-
8 617
Employee
22 900
-
33 040
-
income
4 076
-
5 881
-
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
-
3 635
-
surtax
-
-
-
-
total
6 595
-
9 516
-
Employer
22 900
-
33 040
-
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
-
7 960
-
surtax
-
-
-
-
total
5 516
-
7 960
-
Corporate
12 584
41 000
-
-
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%.

2 516
8 201
-
-
total
2 516
8 201
-
-
Dividends

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

10 067
32 799
-
-
total
-
-
-
-
Income
41 000
41 000
41 000
41 000
Total tax
14 627
8 201
17 476
8 617
After tax
26 373
32 799
23 524
32 383
Living cost
16 304
16 304
16 304
16 304
Free-cash
10 069
16 495
7 220
16 079

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
₽14240
₽10996
₽11186
₽15841
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
-
-
-
41 000
income
-
-
-
7 812
health
-
-
-
5 152
pensions
-
-
-
7 107
total
-
-
-
20 071
Employee
14 840
-
33 469
-
health
742
-
1 673
-
unemployment
148
-
335
-
pensions
1 336
-
3 012
-
income
2 871
-
7 710
-
total
5 097
-
12 730
-
Employer
14 840
-
33 469
-
health
1 410
-
3 180
-
pensions
1 632
-
3 682
-
unemployment
297
-
669
-
total
3 339
-
7 531
-
Corporate
22 821
41 000
-
-
income
5 021
9 020
-
-
total
5 021
9 020
-
-
Dividends
17 800
31 980
-
-
withholding
3 560
6 396
-
-
total
3 560
6 396
-
-
Income
41 000
41 000
41 000
41 000
Total tax
17 017
15 416
20 261
20 071
After tax
23 983
25 584
20 739
20 929
Living cost
9 743
9 743
9 743
9 743
Free-cash
14 240
15 841
10 996
11 186

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
₽5692
₽4877
₽5906
₽8186
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
-
-
-
41 000
pensions
-
-
-
8 201
unemployment
-
-
-
178
income
-
-
-
5 941
other
-
-
-
-
health
-
-
-
2 911
surtax
-
-
-
260
total
-
-
-
17 491
Employee
26 392
-
33 870
-
health
674
-
864
-
unemployment
1 837
-
2 357
-
pensions
1 761
-
2 259
-
income
4 425
-
5 678
-
other
-
-
-
-
surtax
94
-
232
-
total
8 791
-
11 390
-
Employer
26 392
-
33 870
-
health
1 200
-
1 541
-
pensions
3 519
-
4 515
-
unemployment
837
-
1 074
-
other
-
-
-
-
total
5 556
-
7 130
-
Corporate
9 051
41 000
-
-
income
2 353
10 660
-
-
total
2 353
10 660
-
-
Dividends
6 698
30 340
-
-
withholding
1 005
4 551
-
-
total
1 005
4 551
-
-
Income
41 000
41 000
41 000
41 000
Total tax
17 705
15 211
18 520
17 491
After tax
23 295
25 789
22 480
23 509
Living cost
17 603
17 603
17 603
17 603
Free-cash
5 692
8 186
4 877
5 906

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
-₽3862
-₽8575
-₽1974
-₽1706
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
-
-
-
41 000
pensions
-
-
-
7 585
chamber of commerce
-
-
-
164
unemployment
-
-
-
4 807