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
₽ 41500
per

Your estimated
City
free-cash

Valencia , Spain
₽684
₽361
₽5365
₽870
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
-
-
-
41 500
income
-
-
-
5 997
accident
-
-
-
374
unemployment
-
-
-
291
pensions
-
-
-
11 744
other
-
-
-
42
total
-
-
-
18 448
Employee
30 511
-
31 467
-
other
30
-
31
-
income
5 882
-
6 098
-
unemployment
473
-
487
-
pensions
1 434
-
1 478
-
total
7 819
-
8 094
-
Employer
30 511
-
31 467
-
unemployment
1 679
-
1 730
-
pensions
7 200
-
7 426
-
other
244
-
252
-
accident
604
-
623
-
total
9 727
-
10 031
-
Corporate
1 261
41 500
-
-
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.

189
6 224
-
-
total
189
6 224
-
-
Dividends
1 072
35 276
-
-
withholding
204
7 220
-
-
total
204
7 220
-
-
Income
41 500
41 500
41 500
41 500
Total tax
17 939
13 444
18 125
18 448
After tax
23 561
28 056
23 375
23 052
Living cost
22 691
22 691
22 691
22 691
Free-cash
870
5 365
684
361

Estimated living cost  is ₽22691 per week

₽15316
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2181
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽398
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.
₽4796
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
₽2338
₽486
₽8503
₽2928
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
-
-
-
41 500
income
-
-
-
5 271
health
-
-
-
1 826
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.

-
-
-
9 959
other
-
-
-
1 971
total
-
-
-
19 027
Employee
29 961
-
33 146
-
income
5 158
-
5 706
-
health
420
-
464
-
unemployment
299
-
332
-
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.

2 097
-
2 321
-
total
7 974
-
8 823
-
Employer
29 961
-
33 146
-
unemployment
299
-
332
-
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.

5 094
-
5 634
-
other
1 499
-
1 657
-
accident
240
-
265
-
health
420
-
464
-
total
7 552
-
8 352
-
Corporate
3 988
41 500
-
-
income
838
8 714
-
-
total
838
8 714
-
-
Dividends
3 151
32 786
-
-
withholding
221
2 296
-
-
total
221
2 296
-
-
Income
41 500
41 500
41 500
41 500
Total tax
16 585
11 010
17 175
19 027
After tax
24 915
30 490
24 325
22 473
Living cost
21 987
21 987
21 987
21 987
Free-cash
2 928
8 503
2 338
486

Estimated living cost  is ₽21987 per week

₽15535
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1484
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽354
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.
₽4613
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
₽17249
₽16742
₽24653
₽20813
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
-
-
-
41 500
income
-
-
-
6 225
health
-
-
-
3 318
unemployment
-
-
-
115
pensions

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

-
-
-
4 270
total
-
-
-
13 928
Employee
14 341
-
35 839
-
income
1 434
-
3 584
-
health
660
-
1 327
-
accident

We are using the highest rate at 1.1%.

158
-
317
-
pensions

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

1 259
-
2 533
-
total
3 511
-
7 761
-
Employer
14 341
-
35 839
-
unemployment
86
-
173
-
pensions

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

1 581
-
3 179
-
accident

We are using the highest rate at 1.1%.

158
-
317
-
health
990
-
1 991
-
total
2 815
-
5 660
-
Corporate
24 345
41 500
-
-
income
2 435
4 150
-
-
total
2 435
4 150
-
-
Dividends
21 910
37 350
-
-
withholding
1 096
1 867
-
-
total
1 096
1 867
-
-
Income
41 500
41 500
41 500
41 500
Total tax
9 857
6 017
13 421
13 928
After tax
31 643
35 483
28 079
27 572
Living cost
10 830
10 830
10 830
10 830
Free-cash
20 813
24 653
17 249
16 742

Estimated living cost  is ₽10830 per week

₽6323
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽773
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽287
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.
₽3447
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
-₽2725
-₽3229
-₽7315
-₽4845
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
-
-
-
41 500
income
-
-
-
1 563
social contributions
-
-
-
1 182
health
-
-
-
359
surtax
-
-
-
-
pensions
-
-
-
12 106
other
-
-
-
1 287
total
-
-
-
16 497
Employee
35 316
-
31 622
-
income
2 084
-
1 638
-
social contributions
1 007
-
900
-
surtax
-
-
-
-
pensions
3 993
-
3 577
-
total
7 084
-
6 115
-
Employer
35 316
-
31 622
-
unemployment
1 430
-
1 281
-
social contributions
106
-
96
-
pensions
5 802
-
5 196
-
other
1 218
-
1 091
-
health
2 473
-
2 214
-
total
11 029
-
9 878
-
Corporate
-
41 500
-
-
income
-
11 621
-
-
surtax
-
-
-
-
total
-
11 621
-
-
Dividends
-
29 879
-
-
withholding
-
3 824
-
-
surtax
-
-
-
-
social contributions
-
5 138
-
-
total
-
8 962
-
-
Income
41 500
41 500
41 500
41 500
Total tax
18 113
20 583
15 993
16 497
After tax
23 387
20 917
25 507
25 003
Living cost
28 232
28 232
28 232
28 232
Free-cash
-4 845
-7 315
-2 725
-3 229

Estimated living cost  is ₽28232 per week

₽17801
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2296
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽481
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.
₽7656
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
-₽40440
-₽10781
-₽35808
-₽40440
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
-
-
-
41 500
income
-
-
-
3 873
health
-
-
-
6 370
pensions
-
-
-
7 471
total
-
-
-
17 714
Employee
70 466
70 466
70 466
-
income

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

11 534
11 534
11 534
-
health
10 816
9 200
10 816
-
pensions
12 684
9 668
12 684
-
total
35 034
30 402
35 034
-
Employer
70 466
70 466
70 466
-
unemployment
2 537
2 537
2 537
-
pensions
4 904
4 904
4 904
-
health
4 898
4 898
4 898
-
total
12 339
12 339
12 339
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Income
41 500
41 500
41 500
41 500
Total tax
47 373
42 741
47 373
17 714
After tax
-5 873
-1 241
-5 873
23 786
Living cost
34 567
34 567
34 567
34 567
Free-cash
-40 440
-35 808
-40 440
-10 781

Estimated living cost  is ₽34567 per week

₽24497
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3116
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽550
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.
₽6405
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
₽7176
₽6683
-₽3893
₽5236
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.

-
-
-
41 500
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.

-
-
-
3 500
health

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

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

-
-
-
5 637
trade
-
-
-
493
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.

-
-
-
193
total
-
-
-
9 823
Employee

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

31 561
-
41 500
-
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.

882
-
3 500
-
health

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

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

5 637
-
5 637
-
surtax

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

49
-
193
-
total
6 568
-
9 330
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
9 939
41 500
-
-
chamber of commerce
139
185
-
-
income
1 491
6 224
-
-
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.

81
343
-
-
trade
1 566
6 536
-
-
total
3 277
13 288
-
-
Dividends
6 662
28 212
-
-
withholding
1 351
6 740
-
-
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.

74
371
-
-
total
1 425
7 111
-
-
Income
41 500
41 500
41 500
41 500
Total tax
11 270
20 399
9 330
9 823
After tax
30 230
21 101
32 170
31 677
Living cost
24 994
24 994
24 994
24 994
Free-cash
5 236
-3 893
7 176
6 683

Estimated living cost  is ₽24994 per week

₽15722
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2914
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.
₽5891
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
₽8158
₽14177
₽3736
₽7017
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
-
-
-
41 500
income
-
-
-
686
social contributions
-
-
-
6 473
health
-
-
-
1 059
total
-
-
-
8 218
Employee
63 451
63 451
63 451
-
income
6 909
5 874
6 646
-
social contributions
2 399
5 266
3 127
-
health
492
1 079
640
-
total
9 800
12 219
10 413
-
Employer
63 451
63 451
63 451
-
social contributions
2 399
5 266
3 127
-
health
534
1 174
697
-
total
2 933
6 440
3 824
-
Corporate
9 663
-
-
-
income
1 207
-
-
-
total
1 207
-
-
-
Dividends
8 455
-
-
-
withholding
1 438
-
-
-
total
1 438
-
-
-
Income
41 500
41 500
41 500
41 500
Total tax
15 378
18 659
14 237
8 218
After tax
26 122
22 841
27 263
33 282
Living cost
19 105
19 105
19 105
19 105
Free-cash
7 017
3 736
8 158
14 177

Estimated living cost  is ₽19105 per week

₽11450
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1874
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽423
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.
₽5359
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
-₽2677
-₽1702
-₽2276
-₽5465
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.

-
-
-
41 500
income
-
-
-
2 897
social contributions

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

-
-
-
14 422
surtax
-
-
-
-
total
-
-
-
17 319
Employee
37 951
-
33 536
-
income
7 894
-
6 641
-
social contributions
4 175
-
3 689
-
surtax
-
-
-
-
total
12 069
-
10 330
-
Employer
37 951
-
33 536
-
social contributions
9 013
-
7 964
-
total
9 013
-
7 964
-
Corporate
-
41 500
-
-
income
-
8 714
-
-
surtax
-
-
-
-
total
-
8 714
-
-
Dividends
-
32 786
-
-
withholding
-
9 179
-
-
total
-
9 179
-
-
Income
41 500
41 500
41 500
41 500
Total tax
21 082
17 893
18 294
17 319
After tax
20 418
23 607
23 206
24 181
Living cost
25 883
25 883
25 883
25 883
Free-cash
-5 465
-2 276
-2 677
-1 702

Estimated living cost  is ₽25883 per week

₽19366
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1527
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽432
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.
₽4558
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
₽27020
₽34905
₽33245
₽32086
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%.

-
-
-
41 500
microenterprise

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

-
-
-
415
total
-
-
-
415
Employee
7 725
-
41 500
-
income
1 545
-
8 300
-
total
1 545
-
8 300
-
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%.

33 775
41 500
-
-
total
-
-
-
-
Dividends
33 775
41 500
-
-
withholding
1 689
2 075
-
-
total
1 689
2 075
-
-
Income
41 500
41 500
41 500
41 500
Total tax
3 234
2 075
8 300
415
After tax
38 266
39 425
33 200
41 085
Living cost
6 180
6 180
6 180
6 180
Free-cash
32 086
33 245
27 020
34 905

Estimated living cost  is ₽6180 per week

₽3830
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽514
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽170
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽1667
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
-₽329
₽984
₽6441
-₽671
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.

-
-
-
41 500
income
-
-
-
6 657
health
-
-
-
4 084
unemployment
-
-
-
63
pensions
-
-
-
7 579
total
-
-
-
18 383
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.

36 489
-
35 908
-
income
6 292
-
6 172
-
health
2 357
-
2 319
-
unemployment
52
-
50
-
pensions
5 656
-
5 565
-
total
14 357
-
14 106
-
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.

36 489
-
35 908
-
unemployment
22
-
22
-
pensions
3 229
-
3 177
-
health
2 430
-
2 391
-
total
5 681
-
5 590
-
Corporate
-
41 500
-
-
income
-
7 884
-
-
total
-
7 884
-
-
Dividends
-
33 616
-
-
withholding
-
5 042
-
-
total
-
5 042
-
-
Income
41 500
41 500
41 500
41 500
Total tax
20 038
12 926
19 696
18 383
After tax
21 462
28 574
21 804
23 117
Living cost
22 133
22 133
22 133
22 133
Free-cash
-671
6 441
-329
984

Estimated living cost  is ₽22133 per week

₽15189
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1419
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.
₽5097
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
-₽92
-₽17369
-₽7025
-₽2610
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.

-
-
-
41 500
income
-
-
-
23 489
health

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

-
-
-
5 426
total
-
-
-
28 915
Employee
37 854
-
37 720
-
social contributions
3 793
-
3 780
-
income
4 107
-
4 078
-
total
7 900
-
7 858
-
Employer
37 854
-
37 720
-
social contributions
3 793
-
3 780
-
total
3 793
-
3 780
-
Corporate
-
41 500
-
-
income
-
14 525
-
-
total
-
14 525
-
-
Dividends
-
26 975
-
-
social contributions
2 463
4 046
-
-
total
2 463
4 046
-
-
Income
41 500
41 500
41 500
41 500
Total tax
14 156
18 571
11 638
28 915
After tax
27 344
22 929
29 862
12 585
Living cost
29 954
29 954
29 954
29 954
Free-cash
-2 610
-7 025
-92
-17 369

Estimated living cost  is ₽29954 per week

₽19730
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2361
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽459
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.
₽7402
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
₽7603
₽9155
₽7823
₽8250
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
-
-
-
41 500
income
-
-
-
6 224
social contributions
-
-
-
5 727
health
-
-
-
2 897
total
-
-
-
14 848
Employee
27 978
-
41 500
-
income
4 666
-
7 776
-
social contributions
3 862
-
5 727
-
health
1 953
-
2 897
-
total
10 481
-
16 400
-
Employer
27 978
-
41 500
-
total
-
-
-
-
Corporate
13 522
41 500
-
-
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%.

676
2 075
-
-
total
676
2 075
-
-
Dividends
12 846
39 425
-
-
withholding
1 926
5 914
-
-
health
897
2 751
-
-
social contributions
1 773
5 440
-
-
total
4 596
14 105
-
-
Income
41 500
41 500
41 500
41 500
Total tax
15 753
16 180
16 400
14 848
After tax
25 747
25 320
25 100
26 652
Living cost
17 497
17 497
17 497
17 497
Free-cash
8 250
7 823
7 603
9 155

Estimated living cost  is ₽17497 per week

₽11710
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1079
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽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.
₽4305
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
-₽1576
-₽2424
₽5937
-₽3107
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
-
-
-
41 500
income
-
-
-
3 567
social contributions
-
-
-
12 118
solidarity contribution
-
-
-
-
health
-
-
-
5 603
total
-
-
-
21 288
Employee
33 288
-
30 970
-
solidarity contribution
-
-
-
-
income
3 995
-
3 716
-
social contributions
2 164
-
2 013
-
health
4 494
-
4 181
-
total
10 653
-
9 910
-
Employer
33 288
-
30 970
-
social contributions
8 322
-
7 743
-
health
2 996
-
2 787
-
total
11 318
-
10 530
-
Corporate
-
41 500
-
-
income
-
7 885
-
-
total
-
7 885
-
-
Dividends
-
33 615
-
-
withholding
-
5 042
-
-
total
-
5 042
-
-
Income
41 500
41 500
41 500
41 500
Total tax
21 971
12 927
20 440
21 288
After tax
19 529
28 573
21 060
20 212
Living cost
22 636
22 636
22 636
22 636
Free-cash
-3 107
5 937
-1 576
-2 424

Estimated living cost  is ₽22636 per week

₽16833
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1254
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽392
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.
₽4157
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
₽23569
₽31454
₽29794
₽27988
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%.

-
-
-
41 500
microenterprise

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

-
-
-
415
total
-
-
-
415
Employee
12 039
-
41 500
-
income
2 408
-
8 300
-
total
2 408
-
8 300
-
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%.

29 461
41 500
-
-
total
-
-
-
-
Dividends
29 461
41 500
-
-
withholding
1 473
2 075
-
-
total
1 473
2 075
-
-
Income
41 500
41 500
41 500
41 500
Total tax
3 881
2 075
8 300
415
After tax
37 619
39 425
33 200
41 085
Living cost
9 631
9 631
9 631
9 631
Free-cash
27 988
29 794
23 569
31 454

Estimated living cost  is ₽9631 per week

₽6517
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽404
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽323
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2386
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
-₽14347
-₽14851
-₽18937
-₽26323
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
-
-
-
41 500
income
-
-
-
1 563
social contributions
-
-
-
1 182
health
-
-
-
359
surtax
-
-
-
-
pensions
-
-
-
12 106
other
-
-
-
1 287
total
-
-
-
16 497
Employee
51 682
-
31 622
-
income
4 509
-
1 638
-
social contributions
1 472
-
900
-
surtax
-
-
-
-
pensions
5 846
-
3 577
-
total
11 827
-
6 115
-
Employer
51 682
-
31 622
-
unemployment
2 094
-
1 281
-
social contributions
155
-
96
-
pensions
8 492
-
5 196
-
other
1 784
-
1 091
-
health
3 617
-
2 214
-
total
16 142
-
9 878
-
Corporate
-
41 500
-
-
income
-
11 621
-
-
surtax
-
-
-
-
total
-
11 621
-
-
Dividends
-
29 879
-
-
withholding
-
3 824
-
-
surtax
-
-
-
-
social contributions
-
5 138
-
-
total
-
8 962
-
-
Income
41 500
41 500
41 500
41 500
Total tax
27 969
20 583
15 993
16 497
After tax
13 531
20 917
25 507
25 003
Living cost
39 854
39 854
39 854
39 854
Free-cash
-26 323
-18 937
-14 347
-14 851

Estimated living cost  is ₽39854 per week

₽26973
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3260
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽547
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.
₽9074
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
₽8258
₽6472
₽15758
₽11710
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.

-
-
-
41 500
income
-
-
-
5 114
health
-
-
-
4 275
unemployment
-
-
-
623
pensions
-
-
-
10 790
total
-
-
-
20 802
Employee

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

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

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

21 452
-
35 199
-
income
2 957
-
5 710
-
health
1 105
-
1 813
-
unemployment
161
-
264
-
pensions
3 003
-
4 928
-
total
7 226
-
12 715
-
Employer

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

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

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

21 452
-
35 199
-
unemployment
161
-
264
-
pensions
2 574
-
4 224
-
health
1 105
-
1 813
-
total
3 840
-
6 301
-
Corporate
16 208
41 500
-
-
income
2 431
6 225
-
-
total
2 431
6 225
-
-
Dividends
13 777
35 275
-
-
withholding
2 067
5 291
-
-
total
2 067
5 291
-
-
Income
41 500
41 500
41 500
41 500
Total tax
15 564
11 516
19 016
20 802
After tax
25 936
29 984
22 484
20 698
Living cost
14 226
14 226
14 226
14 226
Free-cash
11 710
15 758
8 258
6 472

Estimated living cost  is ₽14226 per week

₽9579
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1100
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽412
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.
₽3136
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
-₽24637
-₽22527
-₽38787
-₽32538
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
-
-
-
41 500
regional
-
-
-
875
national
-
-
-
117
health
-
-
-
188
city
-
-
-
436
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.

-
-
-
829
pensions
-
-
-
3 819
total
-
-
-
6 264
Employee
67 598
-
37 146
-
regional
2 214
-
734
-
city
725
-
399
-
health
153
-
83
-
unemployment
-
-
-
-
national
320
-
92
-
pensions
5 679
-
3 120
-
total
9 091
-
4 428
-
Employer
67 598
-
37 146
-
unemployment
-
-
-
-
pensions
5 679
-
3 120
-
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.

1 352
-
743
-
health
153
-
83
-
total
7 184
-
3 946
-
Corporate
-
41 500
-
-
regional
-
8 777
-
-
national
-
3 528
-
-
total
-
12 305
-
-
Dividends
-
29 195
-
-
withholding
-
10 219
-
-
total
-
10 219
-
-
Income
41 500
41 500
41 500
41 500
Total tax
16 275
22 524
8 374
6 264
After tax
25 225
18 976
33 126
35 236
Living cost
57 763
57 763
57 763
57 763
Free-cash
-32 538
-38 787
-24 637
-22 527

Estimated living cost  is ₽57763 per week

₽37563
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5184
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽709
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.
₽14308
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
-₽5828
₽1289
-₽2961
-₽10105
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

-
-
-
41 500
municipal
-
-
-
7 418
national
-
-
-
819
health
-
-
-
294
total
-
-
-
8 531
Employee
43 414
-
34 912
-
health
324
-
193
-
unemployment
651
-
523
-
national
717
-
257
-
municipal
7 111
-
5 731
-
pensions
2 930
-
2 357
-
total
11 733
-
9 061
-
Employer
43 414
-
34 912
-
unemployment
282
-
227
-
pensions
7 532
-
6 057
-
accident
44
-
34
-
health
334
-
269
-
total
8 192
-
6 587
-
Corporate
-
41 500
-
-
income
-
8 299
-
-
total
-
8 299
-
-
Dividends

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

-
24 901
-
-
national
-
-
-
-
municipal
-
4 482
-
-
total
-
4 482
-
-
Income
41 500
41 500
41 500
41 500
Total tax
19 925
12 781
15 648
8 531
After tax
21 575
28 719
25 852
32 969
Living cost
31 680
31 680
31 680
31 680
Free-cash
-10 105
-2 961
-5 828
1 289

Estimated living cost  is ₽31680 per week

₽20693
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3047
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.
₽7436
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
-₽11886
-₽6895
-₽6662
-₽34708
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
-
-
-
41 500
national
-
-
-
11 814
social contributions
-
-
-
4 259
communal

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

-
-
-
2 235
total
-
-
-
18 308
Employee

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

59 025
-
32 142
-
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.

2 773
-
1 511
-
communal

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

3 079
-
1 677
-
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.

514
-
280
-
national
18 147
-
8 064
-
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.

4 427
-
2 410
-
total
28 940
-
13 942
-
Employer

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

59 025
-
32 142
-
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.

861
-
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.

5 230
-
2 848
-
surtax
6 693
-
3 645
-
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.

767
-
418
-
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.

3 630
-
1 976
-
total
17 181
-
9 357
-
Corporate
-
41 500
-
-
income
-
8 299
-
-
surtax
-
166
-
-
total
-
8 465
-
-
Dividends
-
33 035
-
-
withholding

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

-
9 610
-
-
total
-
9 610
-
-
Income
41 500
41 500
41 500
41 500
Total tax
46 121
18 075
23 299
18 308
After tax
-4 621
23 425
18 201
23 192
Living cost
30 087
30 087
30 087
30 087
Free-cash
-34 708
-6 662
-11 886
-6 895

Estimated living cost  is ₽30087 per week

₽19380
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2631
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.
₽7606
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
-₽11773
-₽13246
-₽11275
-₽22046
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
-
-
-
41 500
municipal
-
-
-
8 790
national
-
-
-
-
health
-
-
-
2 590
accident
-
-
-
83
unemployment
-
-
-
41
pensions
-
-
-
4 486
other
-
-
-
4 822
total
-
-
-
20 812
Employee
48 352
-
31 578
-
national
-
-
-
-
municipal
14 419
-
9 417
-
total
14 419
-
9 417
-
Employer
48 352
-
31 578
-
unemployment
1 276
-
834
-
pensions
5 227
-
3 414
-
other
5 619
-
3 669
-
accident
97
-
63
-
health
2 974
-
1 942
-
total
15 193
-
9 922
-
Corporate
-
41 500
-
-
income
-
9 130
-
-
total
-
9 130
-
-
Dividends
-
32 370
-
-
withholding
-
9 711
-
-
total
-
9 711
-
-
Income
41 500
41 500
41 500
41 500
Total tax
29 612
18 841
19 339
20 812
After tax
11 888
22 659
22 161
20 688
Living cost
33 934
33 934
33 934
33 934
Free-cash
-22 046
-11 275
-11 773
-13 246

Estimated living cost  is ₽33934 per week

₽22490
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3330
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽515
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.
₽7599
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
-₽7663
-₽8996
-₽12427
-₽88692
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
-
-
-
41 500
income
-
-
-
8 089
social contributions
-
-
-
4 731
total
-
-
-
12 820
Employee
54 022
-
-
-
income
11 916
-
-
-
social contributions
4 430
-
631
-
total
16 346
-
631
-
Employer
54 022
-
-
-
social contributions
76 170
-
10 856
-
total
76 170
-
10 856
-
Corporate
-
41 500
-
-
income
-
9 130
-
-
total
-
9 130
-
-
Dividends
-
32 370
-
-
income
-
7 121
-
-
total
-
7 121
-
-
Income
41 500
41 500
41 500
41 500
Total tax
92 516
16 251
11 487
12 820
After tax
-51 016
25 249
30 013
28 680
Living cost
37 676
37 676
37 676
37 676
Free-cash
-88 692
-12 427
-7 663
-8 996

Estimated living cost  is ₽37676 per week

₽24445
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3543
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽480
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.
₽9207
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
₽499
₽6518
-₽3923
₽427
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
-
-
-
41 500
income
-
-
-
686
social contributions
-
-
-
6 473
health
-
-
-
1 059
total
-
-
-
8 218
Employee
63 451
63 451
63 451
-
income
6 663
5 874
6 646
-
social contributions
3 083
5 266
3 127
-
health
631
1 079
640
-
total
10 377
12 219
10 413
-
Employer
63 451
63 451
63 451
-
social contributions
3 083
5 266
3 127
-
health
687
1 174
697
-
total
3 770
6 440
3 824
-
Corporate
588
-
-
-
income
74
-
-
-
total
74
-
-
-
Dividends
514
-
-
-
withholding
88
-
-
-
total
88
-
-
-
Income
41 500
41 500
41 500
41 500
Total tax
14 309
18 659
14 237
8 218
After tax
27 191
22 841
27 263
33 282
Living cost
26 764
26 764
26 764
26 764
Free-cash
427
-3 923
499
6 518

Estimated living cost  is ₽26764 per week

₽18296
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2090
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽449
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.
₽5929
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
-₽2882
₽1150
₽949
-₽4848
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
-
-
-
41 500
income
-
-
-
7 824
pensions
-
-
-
2 379
total
-
-
-
10 203
Employee
41 381
-
37 192
-
income
7 536
-
6 817
-
health
540
-
454
-
pensions
3 158
-
2 656
-
total
11 234
-
9 927
-
Employer
41 381
-
37 192
-
pensions
4 181
-
3 602
-
health
786
-
706
-
total
4 967
-
4 308
-
Corporate
-
41 500
-
-
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.

-
7 884
-
-
total
-
7 884
-
-
Dividends
-
33 616
-
-
withholding
-
2 520
-
-
total
-
2 520
-
-
Income
41 500
41 500
41 500
41 500
Total tax
16 201
10 404
14 235
10 203
After tax
25 299
31 096
27 265
31 297
Living cost
30 147
30 147
30 147
30 147
Free-cash
-4 848
949
-2 882
1 150

Estimated living cost  is ₽30147 per week

₽20681
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2772
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽377
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.
₽6315
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
-₽12619
-₽10313
-₽11015
-₽28035
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
-
-
-
41 500
municipal
-
-
-
277
regional
-
-
-
607
national
-
-
-
7 383
social contributions
-
-
-
10 673
total
-
-
-
18 940
Employee
69 534
-
41 500
-
regional
1 050
-
516
-
social contributions
23 446
-
13 995
-
national
11 751
-
6 488
-
municipal
415
-
247
-
total
36 662
-
21 246
-
Employer
69 534
-
41 500
-
total
-
-
-
-
Corporate
-
41 500
-
-
nationa
-
9 961
-
-
municipal
-
2 000
-
-
total
-
11 961
-
-
Dividends
-
29 540
-
-
withholding
-
7 681
-
-
total
-
7 681
-
-
Income
41 500
41 500
41 500
41 500
Total tax
36 662
19 642
21 246
18 940
After tax
4 838
21 858
20 254
22 560
Living cost
32 873
32 873
32 873
32 873
Free-cash
-28 035
-11 015
-12 619
-10 313

Estimated living cost  is ₽32873 per week

₽23091
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2261
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽496
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7023
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
₽4660
₽11464
-₽13893
₽715
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
-
-
-
41 500
income
-
-
-
7 320
health
-
-
-
1 710
accident
-
-
-
198
pensions
-
-
-
3 263
other
-
-
-
291
total
-
-
-
12 782
Employee
27 141
-
34 474
-
income
3 724
-
4 730
-
health
3 108
-
3 947
-
pensions
3 056
-
3 882
-
total
9 888
-
12 559
-
Employer
27 141
-
34 474
-
unemployment
665
-
845
-
pensions
4 413
-
5 606
-
accident
453
-
576
-
total
5 531
-
7 027
-
Corporate
8 827
41 500
-
-
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.

7 944
37 350
-
-
total
7 944
37 350
-
-
Dividends
883
4 150
-
-
withholding
168
789
-
-
total
168
789
-
-
Income
41 500
41 500
41 500
41 500
Total tax
23 531
38 139
19 586
12 782
After tax
17 969
3 361
21 914
28 718
Living cost
17 254
17 254
17 254
17 254
Free-cash
715
-13 893
4 660
11 464

Estimated living cost  is ₽17254 per week

₽12646
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽956
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽360
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.
₽3293
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
₽313
-₽136
-₽10328
₽186
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader

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

-
-
-
41 500
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.

-
-
-
3 500
health

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

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

-
-
-
5 637
trade
-
-
-
449
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.

-
-
-
193
total
-
-
-
9 779
Employee

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

41 057
-
41 500
-
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.

3 376
-
3 500
-
health

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

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

5 637
-
5 637
-
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.

186
-
193
-
total
9 199
-
9 330
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
443
41 500
-
-
chamber of commerce
125
186
-
-
income
66
6 224
-
-
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.

3
343
-
-
trade
64
5 955
-
-
total
258
12 708
-
-
Dividends
185
28 791
-
-
withholding
-
6 884
-
-
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.

-
379
-
-
total
-
7 263
-
-
Income
41 500
41 500
41 500
41 500
Total tax
9 457
19 971
9 330
9 779
After tax
32 043
21 529
32 170
31 721
Living cost
31 857
31 857
31 857
31 857
Free-cash
186
-10 328
313
-136

Estimated living cost  is ₽31857 per week

₽21976
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3428
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽462
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5991
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
₽6644
₽15511
₽16034
₽9264
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.

-
-
-
41 500
microenterprise
-
-
-
6 224
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.

-
-
-
2 598
surtax
-
-
-
-
total
-
-
-
8 822
Employee
24 112
-
33 443
-
income
4 292
-
5 954
-
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.

2 653
-
3 678
-
surtax
-
-
-
-
total
6 945
-
9 632
-
Employer
24 112
-
33 443
-
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.

5 808
-
8 057
-
surtax
-
-
-
-
total
5 808
-
8 057
-
Corporate
11 580
41 500
-
-
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%.

2 316
8 299
-
-
total
2 316
8 299
-
-
Dividends

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

9 264
33 201
-
-
total
-
-
-
-
Income
41 500
41 500
41 500
41 500
Total tax
15 069
8 299
17 689
8 822
After tax
26 431
33 201
23 811
32 678
Living cost
17 167
17 167
17 167
17 167
Free-cash
9 264
16 034
6 644
15 511

Estimated living cost  is ₽17167 per week

₽10952
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1635
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽390
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4190
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
₽10517
₽10060
₽15239
₽13488
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
-
-
-
41 500
income
-
-
-
7 374
health
-
-
-
5 636
pensions
-
-
-
7 773
total
-
-
-
20 783
Employee
16 231
-
33 878
-
income
3 140
-
7 621
-
health
812
-
1 694
-
unemployment
162
-
339
-
pensions
1 461
-
3 049
-
total
5 575
-
12 703
-
Employer
16 231
-
33 878
-
unemployment
325
-
678
-
pensions
1 785
-
3 727
-
health
1 542
-
3 218
-
total
3 652
-
7 623
-
Corporate
21 617
41 500
-
-
income
4 756
9 130
-
-
total
4 756
9 130
-
-
Dividends
16 861
32 370
-
-
withholding
3 372
6 474
-
-
total
3 372
6 474
-
-
Income
41 500
41 500
41 500
41 500
Total tax
17 355
15 604
20 326
20 783
After tax
24 145
25 896
21 174
20 717
Living cost
10 657
10 657
10 657
10 657
Free-cash
13 488
15 239
10 517
10 060

Estimated living cost  is ₽10657 per week

₽6333
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽864
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽244
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.
₽3216
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
₽4237
₽5274
₽7568
₽4944
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
-
-
-
41 500
income
-
-
-
6 013
health
-
-
-
2 945
unemployment
-
-
-
188
surtax
-
-
-
247
pensions
-
-
-
8 299
other
-
-
-
-
total
-
-
-
17 692
Employee
27 789
-
34 284
-
other
-
-
-
-
income
4 659
-
5 747
-
health
709
-
875
-
unemployment
1 934
-
2 386
-
surtax
99
-
219
-
pensions
1 854
-
2 286
-
total
9 255
-
11 513
-
Employer
27 789
-
34 284
-
unemployment
882
-
1 087
-
pensions
3 705
-
4 569
-
other
-
-
-
-
health
1 264
-
1 560
-
total
5 851
-
7 216
-
Corporate
7 861
41 500
-
-
income
2 044
10 791
-
-
total
2 044
10 791
-
-
Dividends
5 818
30 709
-
-
withholding
872
4 607
-
-
total
872
4 607
-
-
Income
41 500
41 500
41 500
41 500
Total tax
18 022
15 398
18 729
17 692
After tax
23 478
26 102
22 771
23 808
Living cost
18 534
18 534
18 534
18 534
Free-cash
4 944
7 568
4 237
5 274

Estimated living cost  is ₽18534 per week

₽11190
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1611
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽431
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.
₽5304
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
-₽9692
-₽2995
-₽3456
-₽5733
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
-
-
-
41 500
income
-
-
-
2 090
chamber of commerce
-
-
-
166
health
-
-
-
3 174