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
₽ 44000
per

Your estimated
City
free-cash

Valencia , Spain
₽2799
₽2193
₽1855
₽7211
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
-
-
-
44 000
unemployment
-
-
-
308
income
-
-
-
6 424
other
-
-
-
44
accident
-
-
-
396
pensions
-
-
-
12 452
total
-
-
-
19 624
Employee
30 282
-
33 363
-
unemployment
469
-
518
-
pensions
1 424
-
1 568
-
income
5 838
-
6 531
-
other
30
-
33
-
total
7 761
-
8 650
-
Employer
30 282
-
33 363
-
pensions
7 146
-
7 873
-
accident
600
-
661
-
unemployment
1 666
-
1 835
-
other
242
-
267
-
total
9 654
-
10 636
-
Corporate
4 064
44 000
-
-
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.

609
6 600
-
-
total
609
6 600
-
-
Dividends
3 455
37 400
-
-
withholding
656
7 668
-
-
total
656
7 668
-
-
Income
44 000
44 000
44 000
44 000
Total tax
18 680
14 268
19 286
19 624
After tax
25 320
29 732
24 714
24 376
Living cost
22 521
22 521
22 521
22 521
Free-cash
2 799
7 211
2 193
1 855

Estimated living cost  is ₽22521 per week

₽15201
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2165
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽395
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4760
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
₽4972
₽3968
₽2003
₽10505
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
-
-
-
44 000
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.

-
-
-
10 560
income
-
-
-
5 589
other
-
-
-
2 090
health
-
-
-
1 936
total
-
-
-
20 175
Employee
29 736
-
35 143
-
health
417
-
493
-
unemployment
297
-
351
-
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.

2 081
-
2 460
-
income
5 119
-
6 049
-
total
7 914
-
9 353
-
Employer
29 736
-
35 143
-
health
417
-
493
-
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.

5 056
-
5 974
-
accident
238
-
281
-
unemployment
297
-
351
-
other
1 487
-
1 758
-
total
7 495
-
8 857
-
Corporate
6 770
44 000
-
-
income
1 422
9 239
-
-
total
1 422
9 239
-
-
Dividends
5 348
34 761
-
-
withholding
375
2 434
-
-
total
375
2 434
-
-
Income
44 000
44 000
44 000
44 000
Total tax
17 206
11 673
18 210
20 175
After tax
26 794
32 327
25 790
23 825
Living cost
21 822
21 822
21 822
21 822
Free-cash
4 972
10 505
3 968
2 003

Estimated living cost  is ₽21822 per week

₽15419
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1473
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽351
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.
₽4578
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
₽23091
₽19685
₽19040
₽26891
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
-
-
-
44 000
pensions

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

-
-
-
4 230
unemployment
-
-
-
114
income
-
-
-
6 600
health
-
-
-
3 287
total
-
-
-
14 231
Employee
14 207
-
38 392
-
health
653
-
1 315
-
accident

We are using the highest rate at 1.1%.

156
-
314
-
pensions

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

1 247
-
2 510
-
income
1 420
-
3 839
-
total
3 476
-
7 978
-
Employer
14 207
-
38 392
-
health
981
-
1 972
-
pensions

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

1 566
-
3 150
-
accident

We are using the highest rate at 1.1%.

156
-
314
-
unemployment
85
-
172
-
total
2 788
-
5 608
-
Corporate
27 006
44 000
-
-
income
2 700
4 400
-
-
total
2 700
4 400
-
-
Dividends
24 305
39 600
-
-
withholding
1 216
1 980
-
-
total
1 216
1 980
-
-
Income
44 000
44 000
44 000
44 000
Total tax
10 180
6 380
13 586
14 231
After tax
33 820
37 620
30 414
29 769
Living cost
10 729
10 729
10 729
10 729
Free-cash
23 091
26 891
19 685
19 040

Estimated living cost  is ₽10729 per week

₽6264
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽766
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽284
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.
₽3415
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
-₽1996
-₽1124
-₽1584
-₽5843
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
-
-
-
44 000
income
-
-
-
1 817
other
-
-
-
1 365
health
-
-
-
382
social contributions
-
-
-
1 254
pensions
-
-
-
12 747
surtax
-
-
-
-
total
-
-
-
17 565
Employee
35 050
-
33 528
-
pensions
3 963
-
3 794
-
income
2 069
-
1 884
-
social contributions
999
-
956
-
surtax
-
-
-
-
total
7 031
-
6 634
-
Employer
35 050
-
33 528
-
health
2 454
-
2 347
-
social contributions
106
-
101
-
pensions
5 758
-
5 509
-
unemployment
1 419
-
1 358
-
other
1 209
-
1 156
-
total
10 946
-
10 471
-
Corporate
-
44 000
-
-
income
-
12 320
-
-
surtax
-
-
-
-
total
-
12 320
-
-
Dividends
-
31 680
-
-
social contributions
-
5 449
-
-
surtax
-
-
-
-
withholding
-
4 055
-
-
total
-
9 504
-
-
Income
44 000
44 000
44 000
44 000
Total tax
17 977
21 824
17 105
17 565
After tax
26 023
22 176
26 895
26 435
Living cost
28 019
28 019
28 019
28 019
Free-cash
-1 996
-5 843
-1 124
-1 584

Estimated living cost  is ₽28019 per week

₽17667
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2278
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽477
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.
₽7598
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
-₽37324
-₽37324
-₽9119
-₽32727
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
-
-
-
44 000
pensions
-
-
-
7 920
income
-
-
-
4 138
health
-
-
-
6 754
total
-
-
-
18 812
Employee
69 936
69 936
69 936
-
health
10 734
9 131
10 734
-
pensions
12 588
9 595
12 588
-
income

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

11 447
11 447
11 447
-
total
34 769
30 173
34 769
-
Employer
69 936
69 936
69 936
-
health
4 861
4 861
4 861
-
pensions
4 868
4 868
4 868
-
unemployment
2 518
2 518
2 518
-
total
12 247
12 247
12 247
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
44 000
44 000
44 000
44 000
Total tax
47 016
42 420
47 016
18 812
After tax
-3 016
1 580
-3 016
25 188
Living cost
34 308
34 308
34 308
34 308
Free-cash
-37 324
-32 727
-37 324
-9 119

Estimated living cost  is ₽34308 per week

₽24313
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3093
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽546
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.
₽6356
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
₽6611
₽9101
₽8169
-₽2451
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.

-
-
-
44 000
trade
-
-
-
932
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.

-
-
-
4 263
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.

-
-
-
5 595
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.

-
-
-
235
total
-
-
-
11 025
Employee

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

31 324
-
44 000
-
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.

5 595
-
5 595
-
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.

875
-
4 263
-
surtax

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

48
-
235
-
total
6 518
-
10 093
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
12 676
44 000
-
-
income
1 901
6 600
-
-
trade
1 997
6 930
-
-
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.

104
364
-
-
chamber of commerce
143
188
-
-
total
4 145
14 082
-
-
Dividends
8 531
29 918
-
-
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.

99
395
-
-
withholding
1 821
7 168
-
-
total
1 920
7 563
-
-
Income
44 000
44 000
44 000
44 000
Total tax
12 583
21 645
10 093
11 025
After tax
31 417
22 355
33 907
32 975
Living cost
24 806
24 806
24 806
24 806
Free-cash
6 611
-2 451
9 101
8 169

Estimated living cost  is ₽24806 per week

₽15604
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2892
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽463
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5847
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
₽9006
₽10472
₽15910
₽6518
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
-
-
-
44 000
income
-
-
-
1 142
health
-
-
-
1 122
social contributions
-
-
-
6 865
total
-
-
-
9 129
Employee
62 974
62 974
62 974
-
health
488
1 071
679
-
income
6 857
5 830
6 520
-
social contributions
2 381
5 227
3 315
-
total
9 726
12 128
10 514
-
Employer
62 974
62 974
62 974
-
health
530
1 166
738
-
social contributions
2 381
5 227
3 315
-
total
2 911
6 393
4 053
-
Corporate
12 402
-
-
-
income
1 551
-
-
-
total
1 551
-
-
-
Dividends
10 851
-
-
-
withholding
1 845
-
-
-
total
1 845
-
-
-
Income
44 000
44 000
44 000
44 000
Total tax
16 033
18 521
14 567
9 129
After tax
27 967
25 479
29 433
34 871
Living cost
18 961
18 961
18 961
18 961
Free-cash
9 006
6 518
10 472
15 910

Estimated living cost  is ₽18961 per week

₽11364
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1860
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽420
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5318
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
-₽2612
-₽1221
-₽174
-₽661
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.

-
-
-
44 000
income
-
-
-
3 196
social contributions

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

-
-
-
15 290
surtax
-
-
-
-
total
-
-
-
18 486
Employee
37 666
-
35 555
-
income
7 835
-
7 177
-
social contributions
4 143
-
3 912
-
surtax
-
-
-
-
total
11 978
-
11 089
-
Employer
37 666
-
35 555
-
social contributions
8 946
-
8 444
-
total
8 946
-
8 444
-
Corporate
-
44 000
-
-
income
-
9 239
-
-
surtax
-
-
-
-
total
-
9 239
-
-
Dividends
-
34 761
-
-
withholding
-
9 734
-
-
total
-
9 734
-
-
Income
44 000
44 000
44 000
44 000
Total tax
20 924
18 973
19 533
18 486
After tax
23 076
25 027
24 467
25 514
Living cost
25 688
25 688
25 688
25 688
Free-cash
-2 612
-661
-1 221
-174

Estimated living cost  is ₽25688 per week

₽19220
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1515
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.
₽4524
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Batumi , Georgia
₽34565
₽29107
₽37467
₽35707
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%.

-
-
-
44 000
microenterprise

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

-
-
-
440
total
-
-
-
440
Employee
7 615
-
44 000
-
income
1 523
-
8 800
-
total
1 523
-
8 800
-
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%.

36 385
44 000
-
-
total
-
-
-
-
Dividends
36 385
44 000
-
-
withholding
1 819
2 200
-
-
total
1 819
2 200
-
-
Income
44 000
44 000
44 000
44 000
Total tax
3 342
2 200
8 800
440
After tax
40 658
41 800
35 200
43 560
Living cost
6 093
6 093
6 093
6 093
Free-cash
34 565
35 707
29 107
37 467

Estimated living cost  is ₽6093 per week

₽3776
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽506
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.
₽1643
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
₽1478
₽1057
₽2453
₽8328
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.

-
-
-
44 000
pensions
-
-
-
8 035
unemployment
-
-
-
65
income
-
-
-
7 153
health
-
-
-
4 328
total
-
-
-
19 581
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.

36 215
-
38 073
-
health
2 339
-
2 459
-
unemployment
51
-
53
-
pensions
5 614
-
5 901
-
income
6 245
-
6 637
-
total
14 249
-
15 050
-
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.

36 215
-
38 073
-
health
2 412
-
2 535
-
pensions
3 205
-
3 369
-
unemployment
22
-
23
-
total
5 639
-
5 927
-
Corporate
2 147
44 000
-
-
income
407
8 360
-
-
total
407
8 360
-
-
Dividends
1 740
35 640
-
-
withholding
261
5 346
-
-
total
261
5 346
-
-
Income
44 000
44 000
44 000
44 000
Total tax
20 556
13 706
20 977
19 581
After tax
23 444
30 294
23 023
24 419
Living cost
21 966
21 966
21 966
21 966
Free-cash
1 478
8 328
1 057
2 453

Estimated living cost  is ₽21966 per week

₽15075
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1408
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽426
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.
₽5059
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
-₽712
₽1995
-₽14195
-₽5418
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.

-
-
-
44 000
income
-
-
-
23 312
health

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

-
-
-
5 154
total
-
-
-
28 466
Employee
37 569
-
40 233
-
social contributions
3 764
-
3 767
-
income
4 076
-
4 742
-
total
7 840
-
8 509
-
Employer
37 569
-
40 233
-
social contributions
3 764
-
3 767
-
total
3 764
-
3 767
-
Corporate
2 667
44 000
-
-
income
934
15 400
-
-
total
934
15 400
-
-
Dividends
1 733
28 600
-
-
social contributions
2 445
4 289
-
-
total
2 445
4 289
-
-
Income
44 000
44 000
44 000
44 000
Total tax
14 983
19 689
12 276
28 466
After tax
29 017
24 311
31 724
15 534
Living cost
29 729
29 729
29 729
29 729
Free-cash
-712
-5 418
1 995
-14 195

Estimated living cost  is ₽29729 per week

₽19582
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2344
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽455
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.
₽7346
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
₽9904
₽9125
₽10891
₽9478
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
-
-
-
44 000
income
-
-
-
6 600
health
-
-
-
3 071
social contributions
-
-
-
6 072
total
-
-
-
15 743
Employee
27 768
-
44 000
-
health
1 938
-
3 071
-
income
4 631
-
8 366
-
social contributions
3 832
-
6 072
-
total
10 401
-
17 509
-
Employer
27 768
-
44 000
-
total
-
-
-
-
Corporate
16 232
44 000
-
-
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%.

811
2 201
-
-
total
811
2 201
-
-
Dividends
15 421
41 799
-
-
social contributions
2 128
5 769
-
-
withholding
2 313
6 269
-
-
health
1 077
2 917
-
-
total
5 518
14 955
-
-
Income
44 000
44 000
44 000
44 000
Total tax
16 730
17 156
17 509
15 743
After tax
27 270
26 844
26 491
28 257
Living cost
17 366
17 366
17 366
17 366
Free-cash
9 904
9 478
9 125
10 891

Estimated living cost  is ₽17366 per week

₽11622
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1071
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽399
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.
₽4272
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
-₽1080
-₽547
-₽1446
₽7418
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
-
-
-
44 000
income
-
-
-
3 782
health
-
-
-
5 940
social contributions
-
-
-
12 848
solidarity contribution
-
-
-
-
total
-
-
-
22 570
Employee
33 641
-
32 836
-
health
4 542
-
4 433
-
solidarity contribution
-
-
-
-
income
4 037
-
3 940
-
social contributions
2 187
-
2 134
-
total
10 766
-
10 507
-
Employer
33 641
-
32 836
-
health
3 028
-
2 955
-
social contributions
8 410
-
8 209
-
total
11 438
-
11 164
-
Corporate
-
44 000
-
-
income
-
8 360
-
-
total
-
8 360
-
-
Dividends
-
35 640
-
-
withholding
-
5 346
-
-
total
-
5 346
-
-
Income
44 000
44 000
44 000
44 000
Total tax
22 204
13 706
21 671
22 570
After tax
21 796
30 294
22 329
21 430
Living cost
22 876
22 876
22 876
22 876
Free-cash
-1 080
7 418
-547
-1 446

Estimated living cost  is ₽22876 per week

₽17012
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1267
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽396
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.
₽4201
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
₽30525
₽25706
₽34066
₽32306
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%.

-
-
-
44 000
microenterprise

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

-
-
-
440
total
-
-
-
440
Employee
11 868
-
44 000
-
income
2 374
-
8 800
-
total
2 374
-
8 800
-
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%.

32 132
44 000
-
-
total
-
-
-
-
Dividends
32 132
44 000
-
-
withholding
1 607
2 200
-
-
total
1 607
2 200
-
-
Income
44 000
44 000
44 000
44 000
Total tax
3 981
2 200
8 800
440
After tax
40 019
41 800
35 200
43 560
Living cost
9 494
9 494
9 494
9 494
Free-cash
30 525
32 306
25 706
34 066

Estimated living cost  is ₽9494 per week

₽6425
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽399
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽318
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.
₽2352
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
-₽23313
-₽12660
-₽13120
-₽17379
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
-
-
-
44 000
income
-
-
-
1 817
other
-
-
-
1 365
health
-
-
-
382
social contributions
-
-
-
1 254
pensions
-
-
-
12 747
surtax
-
-
-
-
total
-
-
-
17 565
Employee
51 293
-
33 528
-
pensions
5 802
-
3 794
-
income
4 475
-
1 884
-
social contributions
1 461
-
956
-
surtax
-
-
-
-
total
11 738
-
6 634
-
Employer
51 293
-
33 528
-
health
3 590
-
2 347
-
social contributions
154
-
101
-
pensions
8 428
-
5 509
-
unemployment
2 078
-
1 358
-
other
1 770
-
1 156
-
total
16 020
-
10 471
-
Corporate
-
44 000
-
-
income
-
12 320
-
-
surtax
-
-
-
-
total
-
12 320
-
-
Dividends
-
31 680
-
-
social contributions
-
5 449
-
-
surtax
-
-
-
-
withholding
-
4 055
-
-
total
-
9 504
-
-
Income
44 000
44 000
44 000
44 000
Total tax
27 758
21 824
17 105
17 565
After tax
16 242
22 176
26 895
26 435
Living cost
39 555
39 555
39 555
39 555
Free-cash
-23 313
-17 379
-12 660
-13 120

Estimated living cost  is ₽39555 per week

₽26770
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3236
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽542
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.
₽9006
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
₽13658
₽9633
₽7739
₽17675
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.

-
-
-
44 000
pensions
-
-
-
11 440
unemployment
-
-
-
660
income
-
-
-
5 514
health
-
-
-
4 532
total
-
-
-
22 146
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.

21 284
-
37 320
-
health
1 096
-
1 922
-
unemployment
160
-
280
-
pensions
2 980
-
5 225
-
income
2 934
-
6 145
-
total
7 170
-
13 572
-
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.

21 284
-
37 320
-
health
1 096
-
1 922
-
pensions
2 554
-
4 478
-
unemployment
160
-
280
-
total
3 810
-
6 680
-
Corporate
18 906
44 000
-
-
income
2 836
6 600
-
-
total
2 836
6 600
-
-
Dividends
16 070
37 400
-
-
withholding
2 411
5 610
-
-
total
2 411
5 610
-
-
Income
44 000
44 000
44 000
44 000
Total tax
16 227
12 210
20 252
22 146
After tax
27 773
31 790
23 748
21 854
Living cost
14 115
14 115
14 115
14 115
Free-cash
13 658
17 675
9 633
7 739

Estimated living cost  is ₽14115 per week

₽9503
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1092
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.
₽3111
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
-₽28915
-₽21840
-₽19604
-₽36769
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
-
-
-
44 000
pensions
-
-
-
4 049
city
-
-
-
463
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.

-
-
-
880
health
-
-
-
186
regional
-
-
-
1 001
national
-
-
-
136
total
-
-
-
6 715
Employee
66 575
-
39 383
-
health
150
-
89
-
unemployment
-
-
-
-
city
714
-
424
-
pensions
5 593
-
3 308
-
regional
2 180
-
834
-
national
315
-
111
-
total
8 952
-
4 766
-
Employer
66 575
-
39 383
-
health
150
-
89
-
pensions
5 593
-
3 308
-
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.

1 331
-
788
-
total
7 074
-
4 185
-
Corporate
-
44 000
-
-
regional
-
9 306
-
-
national
-
3 740
-
-
total
-
13 046
-
-
Dividends
-
30 954
-
-
withholding
-
10 834
-
-
total
-
10 834
-
-
Income
44 000
44 000
44 000
44 000
Total tax
16 026
23 880
8 951
6 715
After tax
27 974
20 120
35 049
37 285
Living cost
56 889
56 889
56 889
56 889
Free-cash
-28 915
-36 769
-21 840
-19 604

Estimated living cost  is ₽56889 per week

₽36994
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5105
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽698
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.
₽14091
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
-₽7218
-₽4162
₽3089
-₽995
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

-
-
-
44 000
municipal
-
-
-
7 859
health
-
-
-
336
national
-
-
-
1 274
total
-
-
-
9 469
Employee
43 087
-
37 016
-
health
322
-
228
-
unemployment
647
-
555
-
pensions
2 908
-
2 499
-
national
712
-
382
-
municipal
7 057
-
6 072
-
total
11 646
-
9 736
-
Employer
43 087
-
37 016
-
health
331
-
284
-
pensions
7 475
-
6 422
-
accident
44
-
37
-
unemployment
280
-
241
-
total
8 130
-
6 984
-
Corporate
-
44 000
-
-
income
-
8 800
-
-
total
-
8 800
-
-
Dividends

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

-
26 400
-
-
municipal
-
4 753
-
-
national
-
-
-
-
total
-
4 753
-
-
Income
44 000
44 000
44 000
44 000
Total tax
19 776
13 553
16 720
9 469
After tax
24 224
30 447
27 280
34 531
Living cost
31 442
31 442
31 442
31 442
Free-cash
-7 218
-995
-4 162
3 089

Estimated living cost  is ₽31442 per week

₽20538
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3024
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽500
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.
₽7381
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
-₽31633
-₽10773
-₽5755
-₽5045
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
-
-
-
44 000
communal

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

-
-
-
2 351
social contributions
-
-
-
4 818
national
-
-
-
12 726
total
-
-
-
19 895
Employee

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

58 581
-
34 082
-
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.

2 752
-
1 601
-
communal

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

3 055
-
1 778
-
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.

510
-
297
-
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.

4 394
-
2 557
-
national
18 010
-
8 761
-
total
28 721
-
14 994
-
Employer

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

58 581
-
34 082
-
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.

3 602
-
2 095
-
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.

5 191
-
3 020
-
surtax
6 642
-
3 864
-
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.

762
-
443
-
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.

855
-
497
-
total
17 052
-
9 919
-
Corporate
-
44 000
-
-
income
-
8 800
-
-
surtax
-
176
-
-
total
-
8 976
-
-
Dividends
-
35 025
-
-
withholding

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

-
10 209
-
-
total
-
10 209
-
-
Income
44 000
44 000
44 000
44 000
Total tax
45 773
19 185
24 913
19 895
After tax
-1 773
24 815
19 087
24 105
Living cost
29 860
29 860
29 860
29 860
Free-cash
-31 633
-5 045
-10 773
-5 755

Estimated living cost  is ₽29860 per week

₽19234
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2611
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽468
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.
₽7548
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
-₽22351
-₽11935
-₽13499
-₽11408
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
-
-
-
44 000
unemployment
-
-
-
44
municipal
-
-
-
9 320
other
-
-
-
5 113
health
-
-
-
2 746
national
-
-
-
-
accident
-
-
-
88
pensions
-
-
-
4 756
total
-
-
-
22 067
Employee
50 487
-
33 480
-
national
-
-
-
-
municipal
15 055
-
9 984
-
total
15 055
-
9 984
-
Employer
50 487
-
33 480
-
health
3 105
-
2 059
-
pensions
5 458
-
3 619
-
accident
101
-
67
-
unemployment
1 333
-
884
-
other
5 867
-
3 890
-
total
15 864
-
10 519
-
Corporate
-
44 000
-
-
income
-
9 680
-
-
total
-
9 680
-
-
Dividends
-
34 320
-
-
withholding
-
10 296
-
-
total
-
10 296
-
-
Income
44 000
44 000
44 000
44 000
Total tax
30 919
19 976
20 503
22 067
After tax
13 081
24 024
23 497
21 933
Living cost
35 432
35 432
35 432
35 432
Free-cash
-22 351
-11 408
-11 935
-13 499

Estimated living cost  is ₽35432 per week

₽23483
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3477
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽538
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.
₽7934
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
-₽91203
-₽7055
-₽8718
-₽12356
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
-
-
-
44 000
income
-
-
-
8 576
social contributions
-
-
-
5 016
total
-
-
-
13 592
Employee
56 101
-
-
-
income
12 375
-
-
-
social contributions
4 600
-
656
-
total
16 975
-
656
-
Employer
56 101
-
-
-
social contributions
79 102
-
11 273
-
total
79 102
-
11 273
-
Corporate
-
44 000
-
-
income
-
9 680
-
-
total
-
9 680
-
-
Dividends
-
34 320
-
-
income
-
7 550
-
-
total
-
7 550
-
-
Income
44 000
44 000
44 000
44 000
Total tax
96 077
17 230
11 929
13 592
After tax
-52 077
26 770
32 071
30 408
Living cost
39 126
39 126
39 126
39 126
Free-cash
-91 203
-12 356
-7 055
-8 718

Estimated living cost  is ₽39126 per week

₽25386
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3680
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽499
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9561
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
₽2467
₽2870
₽8308
-₽1084
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
-
-
-
44 000
income
-
-
-
1 142
health
-
-
-
1 122
social contributions
-
-
-
6 865
total
-
-
-
9 129
Employee
62 974
62 974
62 974
-
health
626
1 071
679
-
income
6 613
5 830
6 520
-
social contributions
3 060
5 227
3 315
-
total
10 299
12 128
10 514
-
Employer
62 974
62 974
62 974
-
health
682
1 166
738
-
social contributions
3 060
5 227
3 315
-
total
3 742
6 393
4 053
-
Corporate
3 395
-
-
-
income
424
-
-
-
total
424
-
-
-
Dividends
2 971
-
-
-
withholding
505
-
-
-
total
505
-
-
-
Income
44 000
44 000
44 000
44 000
Total tax
14 970
18 521
14 567
9 129
After tax
29 030
25 479
29 433
34 871
Living cost
26 563
26 563
26 563
26 563
Free-cash
2 467
-1 084
2 870
8 308

Estimated living cost  is ₽26563 per week

₽18159
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2075
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽446
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.
₽5884
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
-₽844
-₽502
₽3912
₽3797
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
-
-
-
44 000
income
-
-
-
8 270
pensions
-
-
-
2 649
total
-
-
-
10 919
Employee
40 038
-
39 310
-
health
522
-
507
-
pensions
3 056
-
2 969
-
income
7 291
-
7 167
-
total
10 869
-
10 643
-
Employer
40 038
-
39 310
-
health
761
-
747
-
pensions
4 045
-
3 943
-
total
4 806
-
4 690
-
Corporate
-
44 000
-
-
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.

-
8 360
-
-
total
-
8 360
-
-
Dividends
-
35 640
-
-
withholding
-
2 674
-
-
total
-
2 674
-
-
Income
44 000
44 000
44 000
44 000
Total tax
15 675
11 034
15 333
10 919
After tax
28 325
32 966
28 667
33 081
Living cost
29 169
29 169
29 169
29 169
Free-cash
-844
3 797
-502
3 912

Estimated living cost  is ₽29169 per week

₽20009
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2682
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽365
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.
₽6110
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
-₽25011
-₽11230
-₽8788
-₽9448
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
-
-
-
44 000
municipal
-
-
-
294
regional
-
-
-
660
social contributions
-
-
-
11 317
national
-
-
-
7 892
total
-
-
-
20 163
Employee
69 011
-
44 000
-
social contributions
23 270
-
14 837
-
regional
1 042
-
563
-
national
11 662
-
6 941
-
municipal
412
-
263
-
total
36 386
-
22 604
-
Employer
69 011
-
44 000
-
total
-
-
-
-
Corporate
-
44 000
-
-
nationa
-
10 560
-
-
municipal
-
2 121
-
-
total
-
12 681
-
-
Dividends
-
31 318
-
-
withholding
-
8 142
-
-
total
-
8 142
-
-
Income
44 000
44 000
44 000
44 000
Total tax
36 386
20 823
22 604
20 163
After tax
7 614
23 177
21 396
23 837
Living cost
32 626
32 626
32 626
32 626
Free-cash
-25 011
-9 448
-11 230
-8 788

Estimated living cost  is ₽32626 per week

₽22917
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2244
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽493
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.
₽6970
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
₽906
₽5897
₽13082
-₽13775
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
-
-
-
44 000
pensions
-
-
-
3 279
income
-
-
-
8 090
other
-
-
-
292
health
-
-
-
1 719
accident
-
-
-
199
total
-
-
-
13 579
Employee
27 276
-
36 551
-
health
3 123
-
4 185
-
pensions
3 071
-
4 116
-
income
3 742
-
5 015
-
total
9 936
-
13 316
-
Employer
27 276
-
36 551
-
pensions
4 435
-
5 943
-
accident
455
-
610
-
unemployment
668
-
895
-
total
5 558
-
7 448
-
Corporate
11 165
44 000
-
-
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.

10 049
39 600
-
-
total
10 049
39 600
-
-
Dividends
1 117
4 400
-
-
withholding
212
836
-
-
total
212
836
-
-
Income
44 000
44 000
44 000
44 000
Total tax
25 755
40 436
20 764
13 579
After tax
18 245
3 564
23 236
30 421
Living cost
17 339
17 339
17 339
17 339
Free-cash
906
-13 775
5 897
13 082

Estimated living cost  is ₽17339 per week

₽12708
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽961
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽362
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3309
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
₽1906
₽2289
₽1439
-₽8811
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.

-
-
-
44 000
trade
-
-
-
850
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.

-
-
-
4 263
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.

-
-
-
5 595
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.

-
-
-
235
total
-
-
-
10 943
Employee

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

40 748
-
44 000
-
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.

5 595
-
5 595
-
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.

3 351
-
4 263
-
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.

185
-
235
-
total
9 131
-
10 093
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
3 252
44 000
-
-
income
488
6 600
-
-
trade
466
6 314
-
-
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.

26
364
-
-
chamber of commerce
129
190
-
-
total
1 109
13 468
-
-
Dividends
2 142
30 532
-
-
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.

12
403
-
-
withholding
224
7 322
-
-
total
236
7 725
-
-
Income
44 000
44 000
44 000
44 000
Total tax
10 476
21 193
10 093
10 943
After tax
33 524
22 807
33 907
33 057
Living cost
31 618
31 618
31 618
31 618
Free-cash
1 906
-8 811
2 289
1 439

Estimated living cost  is ₽31618 per week

₽21811
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3402
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽458
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5946
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
₽11444
₽8194
₽17784
₽18162
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.

-
-
-
44 000
income
-
-
-
-
microenterprise
-
-
-
6 600
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.

-
-
-
2 578
surtax
-
-
-
-
total
-
-
-
9 178
Employee
23 930
-
35 458
-
income
4 260
-
6 325
-
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.

2 633
-
3 901
-
surtax
-
-
-
-
total
6 893
-
10 226
-
Employer
23 930
-
35 458
-
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.

5 764
-
8 542
-
surtax
-
-
-
-
total
5 764
-
8 542
-
Corporate
14 305
44 000
-
-
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%.

2 861
8 800
-
-
total
2 861
8 800
-
-
Dividends

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

11 444
35 200
-
-
total
-
-
-
-
Income
44 000
44 000
44 000
44 000
Total tax
15 518
8 800
18 768
9 178
After tax
28 482
35 200
25 232
34 822
Living cost
17 038
17 038
17 038
17 038
Free-cash
11 444
18 162
8 194
17 784

Estimated living cost  is ₽17038 per week

₽10870
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1623
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽387
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.
₽4159
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
₽15805
₽12146
₽12716
₽17449
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
-
-
-
44 000
income
-
-
-
8 685
health
-
-
-
5 292
pensions
-
-
-
7 300
total
-
-
-
21 277
Employee
15 242
-
35 918
-
health
762
-
1 796
-
unemployment
152
-
359
-
pensions
1 372
-
3 233
-
income
2 949
-
8 378
-
total
5 235
-
13 766
-
Employer
15 242
-
35 918
-
health
1 448
-
3 412
-
pensions
1 677
-
3 951
-
unemployment
305
-
718
-
total
3 430
-
8 081
-
Corporate
25 328
44 000
-
-
income
5 572
9 680
-
-
total
5 572
9 680
-
-
Dividends
19 756
34 320
-
-
withholding
3 951
6 864
-
-
total
3 951
6 864
-
-
Income
44 000
44 000
44 000
44 000
Total tax
18 188
16 544
21 847
21 277
After tax
25 812
27 456
22 153
22 723
Living cost
10 007
10 007
10 007
10 007
Free-cash
15 805
17 449
12 146
12 716

Estimated living cost  is ₽10007 per week

₽5947
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽811
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽229
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.
₽3020
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
₽6676
₽5717
₽6730
₽9280
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
-
-
-
44 000
pensions
-
-
-
8 800
unemployment
-
-
-
186
income
-
-
-
6 451
other
-
-
-
-
health
-
-
-
3 124
surtax
-
-
-
314
total
-
-
-
18 875
Employee
27 580
-
36 349
-
health
704
-
928
-
unemployment
1 919
-
2 530
-
pensions
1 840
-
2 424
-
income
4 624
-
6 094
-
other
-
-
-
-
surtax
98
-
260
-
total
9 185
-
12 236
-
Employer
27 580
-
36 349
-
health
1 254
-
1 654
-
pensions
3 677
-
4 846
-
unemployment
875
-
1 152
-
other
-
-
-
-
total
5 806
-
7 652
-
Corporate
10 614
44 000
-
-
income
2 760
11 440
-
-
total
2 760
11 440
-
-
Dividends
7 854
32 560
-
-
withholding
1 178
4 885
-
-
total
1 178
4 885
-
-
Income
44 000
44 000
44 000
44 000
Total tax
18 929
16 325
19 888
18 875
After tax
25 071
27 675
24 112
25 125
Living cost
18 395
18 395
18 395
18 395
Free-cash
6 676
9 280
5 717
6 730

Estimated living cost  is ₽18395 per week

₽11106
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1599
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.
₽5264
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
-₽2879
-₽8637
-₽1428
-₽943
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
-
-
-
44 000
pensions
-
-
-
8 141
chamber of commerce
-
-
-
176
unemployment
-
-
-