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
₽302
-₽40
₽5248
₽381
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
-
-
-
6 340
accident
-
-
-
396
unemployment
-
-
-
308
pensions
-
-
-
12 452
other
-
-
-
44
total
-
-
-
19 540
Employee
32 944
-
33 365
-
other
32
-
34
-
income
6 351
-
6 446
-
unemployment
511
-
517
-
pensions
1 549
-
1 567
-
total
8 443
-
8 564
-
Employer
32 944
-
33 365
-
unemployment
1 812
-
1 834
-
pensions
7 774
-
7 874
-
other
264
-
265
-
accident
653
-
661
-
total
10 503
-
10 634
-
Corporate
553
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.

83
6 601
-
-
total
83
6 601
-
-
Dividends
470
37 399
-
-
withholding
90
7 651
-
-
total
90
7 651
-
-
Income
44 000
44 000
44 000
44 000
Total tax
19 119
14 252
19 198
19 540
After tax
24 881
29 748
24 802
24 460
Living cost
24 500
24 500
24 500
24 500
Free-cash
381
5 248
302
-40

Estimated living cost  is ₽24500 per week

₽16537
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2355
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽429
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5179
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Bratislava , Slovakia
₽2049
₽85
₽8587
₽2571
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
-
-
-
5 590
health
-
-
-
1 936
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.

-
-
-
10 559
other
-
-
-
2 090
total
-
-
-
20 175
Employee
32 350
-
35 144
-
income
5 569
-
6 050
-
health
453
-
492
-
unemployment
323
-
352
-
pensions

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

2 264
-
2 460
-
total
8 609
-
9 354
-
Employer
32 350
-
35 144
-
unemployment
323
-
352
-
pensions

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

5 500
-
5 975
-
other
1 618
-
1 757
-
accident
259
-
281
-
health
453
-
492
-
total
8 153
-
8 857
-
Corporate
3 497
44 000
-
-
income
734
9 240
-
-
total
734
9 240
-
-
Dividends
2 764
34 760
-
-
withholding
193
2 433
-
-
total
193
2 433
-
-
Income
44 000
44 000
44 000
44 000
Total tax
17 689
11 673
18 211
20 175
After tax
26 311
32 327
25 789
23 825
Living cost
23 740
23 740
23 740
23 740
Free-cash
2 571
8 587
2 049
85

Estimated living cost  is ₽23740 per week

₽16774
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1603
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽382
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4981
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Varna , Bulgaria
₽17941
₽17433
₽25952
₽21820
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
-
-
-
3 575
unemployment
-
-
-
124
pensions

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

-
-
-
4 600
total
-
-
-
14 899
Employee
15 449
-
37 902
-
income
1 545
-
3 791
-
health
711
-
1 430
-
accident

We are using the highest rate at 1.1%.

170
-
342
-
pensions

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

1 356
-
2 729
-
total
3 782
-
8 292
-
Employer
15 449
-
37 902
-
unemployment
92
-
187
-
pensions

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

1 703
-
3 425
-
accident

We are using the highest rate at 1.1%.

170
-
342
-
health
1 066
-
2 145
-
total
3 031
-
6 099
-
Corporate
25 519
44 000
-
-
income
2 551
4 400
-
-
total
2 551
4 400
-
-
Dividends
22 968
39 600
-
-
withholding
1 148
1 980
-
-
total
1 148
1 980
-
-
Income
44 000
44 000
44 000
44 000
Total tax
10 512
6 380
14 391
14 899
After tax
33 488
37 620
29 609
29 101
Living cost
11 668
11 668
11 668
11 668
Free-cash
21 820
25 952
17 941
17 433

Estimated living cost  is ₽11668 per week

₽6812
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽833
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽309
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3714
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Nice , France
-₽3395
-₽3953
-₽8307
-₽6039
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
-
-
-
1 611
social contributions
-
-
-
1 255
health
-
-
-
380
surtax
-
-
-
-
pensions
-
-
-
12 860
other
-
-
-
1 364
total
-
-
-
17 470
Employee
38 132
-
33 529
-
income
2 250
-
1 694
-
social contributions
1 087
-
955
-
surtax
-
-
-
-
pensions
4 311
-
3 792
-
total
7 648
-
6 441
-
Employer
38 132
-
33 529
-
unemployment
1 544
-
1 358
-
social contributions
115
-
100
-
pensions
6 264
-
5 510
-
other
1 315
-
1 156
-
health
2 670
-
2 347
-
total
11 908
-
10 471
-
Corporate
-
44 000
-
-
income
-
12 321
-
-
surtax
-
-
-
-
total
-
12 321
-
-
Dividends
-
31 679
-
-
withholding
-
4 054
-
-
surtax
-
-
-
-
social contributions
-
5 449
-
-
total
-
9 503
-
-
Income
44 000
44 000
44 000
44 000
Total tax
19 556
21 824
16 912
17 470
After tax
24 444
22 176
27 088
26 530
Living cost
30 483
30 483
30 483
30 483
Free-cash
-6 039
-8 307
-3 395
-3 953

Estimated living cost  is ₽30483 per week

₽19221
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2479
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽519
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8266
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Rotterdam , Netherlands
-₽44473
-₽12094
-₽39472
-₽44473
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
-
-
-
4 098
health
-
-
-
6 753
pensions
-
-
-
7 920
total
-
-
-
18 771
Employee
76 084
76 084
76 084
-
income

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

12 454
12 454
12 454
-
health
11 678
9 933
11 678
-
pensions
13 695
10 439
13 695
-
total
37 827
32 826
37 827
-
Employer
76 084
76 084
76 084
-
unemployment
2 739
2 739
2 739
-
pensions
5 295
5 295
5 295
-
health
5 289
5 289
5 289
-
total
13 323
13 323
13 323
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Income
44 000
44 000
44 000
44 000
Total tax
51 150
46 149
51 150
18 771
After tax
-7 150
-2 149
-7 150
25 229
Living cost
37 324
37 324
37 324
37 324
Free-cash
-44 473
-39 472
-44 473
-12 094

Estimated living cost  is ₽37324 per week

₽26450
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3365
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽593
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6915
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Dresden , Germany
₽7175
₽6769
-₽4609
₽5248
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
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.

-
-
-
3 556
health

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

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

-
-
-
6 087
trade
-
-
-
406
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.

-
-
-
196
total
-
-
-
10 245
Employee

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

34 077
-
44 000
-
income

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

952
-
3 556
-
health

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

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

6 087
-
6 087
-
surtax

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

52
-
196
-
total
7 091
-
9 839
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
9 923
44 000
-
-
chamber of commerce
149
198
-
-
income
1 488
6 601
-
-
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
364
-
-
trade
1 562
6 930
-
-
total
3 280
14 093
-
-
Dividends
6 643
29 908
-
-
withholding
1 322
7 138
-
-
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.

73
392
-
-
total
1 395
7 530
-
-
Income
44 000
44 000
44 000
44 000
Total tax
11 766
21 623
9 839
10 245
After tax
32 234
22 377
34 161
33 755
Living cost
26 986
26 986
26 986
26 986
Free-cash
5 248
-4 609
7 175
6 769

Estimated living cost  is ₽26986 per week

₽16975
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3147
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽504
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6361
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

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

Larnaca , Cyprus
₽8123
₽14776
₽3225
₽6988
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
-
-
-
609
social contributions
-
-
-
6 864
health
-
-
-
1 123
total
-
-
-
8 596
Employee
68 510
68 510
68 510
-
income
7 460
6 342
7 198
-
social contributions
2 590
5 686
3 316
-
health
531
1 165
680
-
total
10 581
13 193
11 194
-
Employer
68 510
68 510
68 510
-
social contributions
2 590
5 686
3 316
-
health
577
1 268
739
-
total
3 167
6 954
4 055
-
Corporate
9 624
-
-
-
income
1 204
-
-
-
total
1 204
-
-
-
Dividends
8 420
-
-
-
withholding
1 432
-
-
-
total
1 432
-
-
-
Income
44 000
44 000
44 000
44 000
Total tax
16 384
20 147
15 249
8 596
After tax
27 616
23 853
28 751
35 404
Living cost
20 628
20 628
20 628
20 628
Free-cash
6 988
3 225
8 123
14 776

Estimated living cost  is ₽20628 per week

₽12363
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2024
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽457
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5786
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Lisbon , Portugal
-₽3306
-₽2290
-₽2918
-₽6709
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
-
-
-
3 054
social contributions

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

-
-
-
15 290
surtax
-
-
-
-
total
-
-
-
18 344
Employee
40 977
-
35 555
-
income
8 523
-
7 005
-
social contributions
4 508
-
3 911
-
surtax
-
-
-
-
total
13 031
-
10 916
-
Employer
40 977
-
35 555
-
social contributions
9 732
-
8 444
-
total
9 732
-
8 444
-
Corporate
-
44 000
-
-
income
-
9 240
-
-
surtax
-
-
-
-
total
-
9 240
-
-
Dividends
-
34 760
-
-
withholding
-
9 732
-
-
total
-
9 732
-
-
Income
44 000
44 000
44 000
44 000
Total tax
22 763
18 972
19 360
18 344
After tax
21 237
25 028
24 640
25 656
Living cost
27 946
27 946
27 946
27 946
Free-cash
-6 709
-2 918
-3 306
-2 290

Estimated living cost  is ₽27946 per week

₽20910
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1648
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽467
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4922
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Batumi , Georgia
₽28869
₽37229
₽35469
₽34281
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
7 914
-
44 000
-
income
1 583
-
8 800
-
total
1 583
-
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%.

36 086
44 000
-
-
total
-
-
-
-
Dividends
36 086
44 000
-
-
withholding
1 805
2 200
-
-
total
1 805
2 200
-
-
Income
44 000
44 000
44 000
44 000
Total tax
3 388
2 200
8 800
440
After tax
40 612
41 800
35 200
43 560
Living cost
6 331
6 331
6 331
6 331
Free-cash
34 281
35 469
28 869
37 229

Estimated living cost  is ₽6331 per week

₽3924
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽526
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽174
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽1707
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

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

Ljubljana , Slovenia
-₽757
₽640
₽6396
-₽1533
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
income
-
-
-
7 031
health
-
-
-
4 330
unemployment
-
-
-
66
pensions
-
-
-
8 036
total
-
-
-
19 463
Employee

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

39 398
-
38 071
-
income
6 794
-
6 515
-
health
2 545
-
2 460
-
unemployment
56
-
54
-
pensions
6 107
-
5 901
-
total
15 502
-
14 930
-
Employer

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

39 398
-
38 071
-
unemployment
24
-
24
-
pensions
3 486
-
3 370
-
health
2 624
-
2 536
-
total
6 134
-
5 930
-
Corporate
-
44 000
-
-
income
-
8 361
-
-
total
-
8 361
-
-
Dividends
-
35 639
-
-
withholding
-
5 346
-
-
total
-
5 346
-
-
Income
44 000
44 000
44 000
44 000
Total tax
21 636
13 707
20 860
19 463
After tax
22 364
30 293
23 140
24 537
Living cost
23 897
23 897
23 897
23 897
Free-cash
-1 533
6 396
-757
640

Estimated living cost  is ₽23897 per week

₽16400
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1532
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽463
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5503
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Sliema , Malta
-₽593
-₽19472
-₽8030
-₽3627
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
-
-
-
25 361
health

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

-
-
-
5 769
total
-
-
-
31 130
Employee
40 872
-
39 993
-
social contributions
4 095
-
4 007
-
income
4 435
-
4 237
-
total
8 530
-
8 244
-
Employer
40 872
-
39 993
-
social contributions
4 095
-
4 007
-
total
4 095
-
4 007
-
Corporate
-
44 000
-
-
income
-
15 399
-
-
total
-
15 399
-
-
Dividends
-
28 601
-
-
social contributions
2 660
4 289
-
-
total
2 660
4 289
-
-
Income
44 000
44 000
44 000
44 000
Total tax
15 285
19 688
12 251
31 130
After tax
28 715
24 312
31 749
12 870
Living cost
32 342
32 342
32 342
32 342
Free-cash
-3 627
-8 030
-593
-19 472

Estimated living cost  is ₽32342 per week

₽21304
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2550
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽495
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7992
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Vilnius , Lithuania
₽7756
₽9365
₽7952
₽8416
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
-
-
-
6 601
social contributions
-
-
-
6 072
health
-
-
-
3 070
total
-
-
-
15 743
Employee
30 209
-
44 000
-
income
5 038
-
8 210
-
social contributions
4 169
-
6 072
-
health
2 108
-
3 070
-
total
11 315
-
17 352
-
Employer
30 209
-
44 000
-
total
-
-
-
-
Corporate
13 791
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%.

690
2 200
-
-
total
690
2 200
-
-
Dividends
13 101
41 800
-
-
withholding
1 965
6 269
-
-
health
915
2 918
-
-
social contributions
1 807
5 769
-
-
total
4 687
14 956
-
-
Income
44 000
44 000
44 000
44 000
Total tax
16 692
17 156
17 352
15 743
After tax
27 308
26 844
26 648
28 257
Living cost
18 892
18 892
18 892
18 892
Free-cash
8 416
7 952
7 756
9 365

Estimated living cost  is ₽18892 per week

₽12644
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1165
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽435
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4648
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Prague , Czech Republic
-₽1972
-₽2871
₽5993
-₽3886
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
social contributions
-
-
-
12 848
solidarity contribution
-
-
-
-
health
-
-
-
5 940
total
-
-
-
22 570
Employee
35 737
-
32 836
-
solidarity contribution
-
-
-
-
income
4 288
-
3 940
-
social contributions
2 323
-
2 134
-
health
4 824
-
4 433
-
total
11 435
-
10 507
-
Employer
35 737
-
32 836
-
social contributions
8 934
-
8 209
-
health
3 216
-
2 955
-
total
12 150
-
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
23 585
13 706
21 671
22 570
After tax
20 415
30 294
22 329
21 430
Living cost
24 301
24 301
24 301
24 301
Free-cash
-3 886
5 993
-1 972
-2 871

Estimated living cost  is ₽24301 per week

₽18072
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1346
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽420
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4463
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Tbilisi , Georgia
₽25334
₽33694
₽31934
₽30084
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
12 333
-
44 000
-
income
2 467
-
8 800
-
total
2 467
-
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%.

31 667
44 000
-
-
total
-
-
-
-
Dividends
31 667
44 000
-
-
withholding
1 583
2 200
-
-
total
1 583
2 200
-
-
Income
44 000
44 000
44 000
44 000
Total tax
4 050
2 200
8 800
440
After tax
39 950
41 800
35 200
43 560
Living cost
9 866
9 866
9 866
9 866
Free-cash
30 084
31 934
25 334
33 694

Estimated living cost  is ₽9866 per week

₽6676
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽414
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽331
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2444
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

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

Paris , France
-₽15944
-₽16502
-₽20856
-₽29231
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
-
-
-
1 611
social contributions
-
-
-
1 255
health
-
-
-
380
surtax
-
-
-
-
pensions
-
-
-
12 860
other
-
-
-
1 364
total
-
-
-
17 470
Employee
55 802
-
33 529
-
income
4 869
-
1 694
-
social contributions
1 589
-
955
-
surtax
-
-
-
-
pensions
6 312
-
3 792
-
total
12 770
-
6 441
-
Employer
55 802
-
33 529
-
unemployment
2 261
-
1 358
-
social contributions
167
-
100
-
pensions
9 169
-
5 510
-
other
1 926
-
1 156
-
health
3 906
-
2 347
-
total
17 429
-
10 471
-
Corporate
-
44 000
-
-
income
-
12 321
-
-
surtax
-
-
-
-
total
-
12 321
-
-
Dividends
-
31 679
-
-
withholding
-
4 054
-
-
surtax
-
-
-
-
social contributions
-
5 449
-
-
total
-
9 503
-
-
Income
44 000
44 000
44 000
44 000
Total tax
30 199
21 824
16 912
17 470
After tax
13 801
22 176
27 088
26 530
Living cost
43 032
43 032
43 032
43 032
Free-cash
-29 231
-20 856
-15 944
-16 502

Estimated living cost  is ₽43032 per week

₽29123
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3520
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽590
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9798
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Belgrade , Serbia
₽8500
₽6606
₽16424
₽12053
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
income
-
-
-
5 396
health
-
-
-
4 532
unemployment
-
-
-
660
pensions
-
-
-
11 440
total
-
-
-
22 028
Employee

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

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

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

23 170
-
37 320
-
income
3 194
-
6 027
-
health
1 193
-
1 922
-
unemployment
174
-
280
-
pensions
3 244
-
5 225
-
total
7 805
-
13 454
-
Employer

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

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

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

23 170
-
37 320
-
unemployment
174
-
280
-
pensions
2 780
-
4 478
-
health
1 193
-
1 922
-
total
4 147
-
6 680
-
Corporate
16 682
44 000
-
-
income
2 502
6 600
-
-
total
2 502
6 600
-
-
Dividends
14 180
37 400
-
-
withholding
2 127
5 610
-
-
total
2 127
5 610
-
-
Income
44 000
44 000
44 000
44 000
Total tax
16 581
12 210
20 134
22 028
After tax
27 419
31 790
23 866
21 972
Living cost
15 366
15 366
15 366
15 366
Free-cash
12 053
16 424
8 500
6 606

Estimated living cost  is ₽15366 per week

₽10346
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1189
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽445
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3387
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Zurich , Switzerland
-₽27056
-₽24812
-₽42063
-₽35705
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
regional
-
-
-
912
national
-
-
-
121
health
-
-
-
203
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
pensions
-
-
-
4 049
total
-
-
-
6 628
Employee
72 771
-
39 381
-
regional
2 383
-
768
-
city
781
-
423
-
health
165
-
88
-
unemployment
-
-
-
-
national
344
-
96
-
pensions
6 114
-
3 311
-
total
9 787
-
4 686
-
Employer
72 771
-
39 381
-
unemployment
-
-
-
-
pensions
6 114
-
3 311
-
other

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

1 455
-
787
-
health
165
-
88
-
total
7 734
-
4 186
-
Corporate
-
44 000
-
-
regional
-
9 306
-
-
national
-
3 740
-
-
total
-
13 046
-
-
Dividends
-
30 953
-
-
withholding
-
10 833
-
-
total
-
10 833
-
-
Income
44 000
44 000
44 000
44 000
Total tax
17 521
23 879
8 872
6 628
After tax
26 479
20 121
35 128
37 372
Living cost
62 184
62 184
62 184
62 184
Free-cash
-35 705
-42 063
-27 056
-24 812

Estimated living cost  is ₽62184 per week

₽40437
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5580
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽763
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽15403
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details

Additional information

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

Helsinki , Finland
-₽6761
₽786
-₽3759
-₽11718
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
-
-
-
7 865
national
-
-
-
837
health
-
-
-
306
total
-
-
-
9 008
Employee
46 875
-
37 015
-
health
350
-
198
-
unemployment
703
-
555
-
national
774
-
240
-
municipal
7 678
-
6 078
-
pensions
3 163
-
2 499
-
total
12 668
-
9 570
-
Employer
46 875
-
37 015
-
unemployment
304
-
240
-
pensions
8 133
-
6 422
-
accident
47
-
37
-
health
360
-
286
-
total
8 844
-
6 985
-
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
-
-
national
-
-
-
-
municipal
-
4 753
-
-
total
-
4 753
-
-
Income
44 000
44 000
44 000
44 000
Total tax
21 512
13 553
16 555
9 008
After tax
22 488
30 447
27 445
34 992
Living cost
34 206
34 206
34 206
34 206
Free-cash
-11 718
-3 759
-6 761
786

Estimated living cost  is ₽34206 per week

₽22343
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3290
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽544
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8029
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

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

Brussels , Belgium
-₽13127
-₽7757
-₽7643
-₽38281
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
national
-
-
-
12 470
social contributions
-
-
-
4 428
communal

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

-
-
-
2 374
total
-
-
-
19 272
Employee

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

63 731
-
34 079
-
health

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

2 994
-
1 603
-
communal

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

3 324
-
1 777
-
unemployment

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

555
-
296
-
national
19 593
-
8 488
-
pensions

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

4 780
-
2 556
-
total
31 246
-
14 720
-
Employer

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

63 731
-
34 079
-
unemployment

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

930
-
497
-
pensions

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

5 647
-
3 020
-
surtax
7 226
-
3 865
-
accident

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

828
-
443
-
health

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

3 919
-
2 097
-
total
18 550
-
9 922
-
Corporate
-
44 000
-
-
income
-
8 800
-
-
surtax
-
176
-
-
total
-
8 976
-
-
Dividends
-
35 024
-
-
withholding

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

-
10 182
-
-
total
-
10 182
-
-
Income
44 000
44 000
44 000
44 000
Total tax
49 796
19 158
24 642
19 272
After tax
-5 796
24 842
19 358
24 728
Living cost
32 485
32 485
32 485
32 485
Free-cash
-38 281
-7 643
-13 127
-7 757

Estimated living cost  is ₽32485 per week

₽20925
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2840
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽509
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8212
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Stockholm , Sweden
-₽12682
-₽14246
-₽12155
-₽23749
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
-
-
-
9 320
national
-
-
-
-
health
-
-
-
2 746
accident
-
-
-
88
unemployment
-
-
-
44
pensions
-
-
-
4 756
other
-
-
-
5 113
total
-
-
-
22 067
Employee
51 552
-
33 480
-
national
-
-
-
-
municipal
15 373
-
9 984
-
total
15 373
-
9 984
-
Employer
51 552
-
33 480
-
unemployment
1 361
-
884
-
pensions
5 573
-
3 619
-
other
5 990
-
3 890
-
accident
103
-
67
-
health
3 170
-
2 059
-
total
16 197
-
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
31 570
19 976
20 503
22 067
After tax
12 430
24 024
23 497
21 933
Living cost
36 179
36 179
36 179
36 179
Free-cash
-23 749
-12 155
-12 682
-14 246

Estimated living cost  is ₽36179 per week

₽23978
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3550
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽549
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8101
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Oslo , Norway
-₽6610
-₽8378
-₽12015
-₽90025
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
-
-
-
8 577
social contributions
-
-
-
5 016
total
-
-
-
13 593
Employee
55 612
-
-
-
income
12 267
-
-
-
social contributions
4 560
-
650
-
total
16 827
-
650
-
Employer
55 612
-
-
-
social contributions
78 413
-
11 175
-
total
78 413
-
11 175
-
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
95 240
17 230
11 825
13 593
After tax
-51 240
26 770
32 175
30 407
Living cost
38 785
38 785
38 785
38 785
Free-cash
-90 025
-12 015
-6 610
-8 378

Estimated living cost  is ₽38785 per week

₽25165
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3648
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽494
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9478
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Limassol , Cyprus
-₽147
₽6506
-₽5045
-₽173
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
-
-
-
609
social contributions
-
-
-
6 864
health
-
-
-
1 123
total
-
-
-
8 596
Employee
68 510
68 510
68 510
-
income
7 194
6 342
7 198
-
social contributions
3 329
5 686
3 316
-
health
681
1 165
680
-
total
11 204
13 193
11 194
-
Employer
68 510
68 510
68 510
-
social contributions
3 329
5 686
3 316
-
health
742
1 268
739
-
total
4 071
6 954
4 055
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
44 000
44 000
44 000
44 000
Total tax
15 275
20 147
15 249
8 596
After tax
28 725
23 853
28 751
35 404
Living cost
28 898
28 898
28 898
28 898
Free-cash
-173
-5 045
-147
6 506

Estimated living cost  is ₽28898 per week

₽19755
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2257
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽485
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6401
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Edinburgh , United Kingdom
-₽3123
₽1146
₽928
-₽5258
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
-
-
-
8 296
pensions
-
-
-
2 519
total
-
-
-
10 815
Employee
43 978
-
39 435
-
income
8 009
-
7 228
-
health
574
-
481
-
pensions
3 357
-
2 811
-
total
11 940
-
10 520
-
Employer
43 978
-
39 435
-
pensions
4 443
-
3 816
-
health
836
-
748
-
total
5 279
-
4 564
-
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
-
2 673
-
-
total
-
2 673
-
-
Income
44 000
44 000
44 000
44 000
Total tax
17 219
11 033
15 084
10 815
After tax
26 781
32 967
28 916
33 185
Living cost
32 039
32 039
32 039
32 039
Free-cash
-5 258
928
-3 123
1 146

Estimated living cost  is ₽32039 per week

₽21979
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2946
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽401
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6711
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details

Additional information

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

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

Rome , Italy
-₽13993
-₽11552
-₽12317
-₽31078
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
-
-
-
638
national
-
-
-
7 810
social contributions
-
-
-
11 316
total
-
-
-
20 058
Employee
75 078
-
44 000
-
regional
1 133
-
542
-
social contributions
25 316
-
14 836
-
national
12 687
-
6 859
-
municipal
448
-
262
-
total
39 584
-
22 499
-
Employer
75 078
-
44 000
-
total
-
-
-
-
Corporate
-
44 000
-
-
nationa
-
10 560
-
-
municipal
-
2 120
-
-
total
-
12 680
-
-
Dividends
-
31 319
-
-
withholding
-
8 143
-
-
total
-
8 143
-
-
Income
44 000
44 000
44 000
44 000
Total tax
39 584
20 823
22 499
20 058
After tax
4 416
23 177
21 501
23 942
Living cost
35 494
35 494
35 494
35 494
Free-cash
-31 078
-12 317
-13 993
-11 552

Estimated living cost  is ₽35494 per week

₽24932
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2441
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽536
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7583
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Gdansk , Poland
₽4643
₽11865
-₽15028
₽713
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
-
-
-
7 658
health
-
-
-
1 843
accident
-
-
-
213
pensions
-
-
-
3 516
other
-
-
-
313
total
-
-
-
13 543
Employee
29 247
-
36 551
-
income
4 012
-
5 015
-
health
3 349
-
4 185
-
pensions
3 293
-
4 116
-
total
10 654
-
13 316
-
Employer
29 247
-
36 551
-
unemployment
717
-
896
-
pensions
4 756
-
5 943
-
accident
488
-
610
-
total
5 961
-
7 449
-
Corporate
8 793
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.

7 913
39 600
-
-
total
7 913
39 600
-
-
Dividends
879
4 400
-
-
withholding
167
836
-
-
total
167
836
-
-
Income
44 000
44 000
44 000
44 000
Total tax
24 695
40 436
20 765
13 543
After tax
19 305
3 564
23 235
30 457
Living cost
18 592
18 592
18 592
18 592
Free-cash
713
-15 028
4 643
11 865

Estimated living cost  is ₽18592 per week

₽13627
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1030
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽388
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3548
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

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

Berlin , Germany
-₽236
-₽606
-₽11568
-₽330
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
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.

-
-
-
3 556
health

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

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

-
-
-
6 087
trade
-
-
-
370
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.

-
-
-
196
total
-
-
-
10 209
Employee

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

44 331
-
44 000
-
income

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

3 645
-
3 556
-
health

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

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

6 087
-
6 087
-
surtax

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

201
-
196
-
total
9 933
-
9 839
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
44 000
-
-
chamber of commerce
-
200
-
-
income
-
6 601
-
-
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.

-
364
-
-
trade
-
6 313
-
-
total
-
13 478
-
-
Dividends
-
30 523
-
-
withholding
-
7 292
-
-
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.

-
401
-
-
total
-
7 693
-
-
Income
44 000
44 000
44 000
44 000
Total tax
9 933
21 171
9 839
10 209
After tax
34 067
22 829
34 161
33 791
Living cost
34 397
34 397
34 397
34 397
Free-cash
-330
-11 568
-236
-606

Estimated living cost  is ₽34397 per week

₽23728
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3701
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽499
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6469
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

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

Riga , Latvia
₽6709
₽16058
₽16664
₽9357
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
microenterprise
-
-
-
6 601
income
-
-
-
-
social contributions

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

-
-
-
2 805
surtax
-
-
-
-
total
-
-
-
9 406
Employee
26 034
-
35 458
-
income
4 634
-
6 312
-
social contributions

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

2 864
-
3 901
-
surtax
-
-
-
-
total
7 498
-
10 213
-
Employer
26 034
-
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.

6 271
-
8 542
-
surtax
-
-
-
-
total
6 271
-
8 542
-
Corporate
11 695
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%.

2 338
8 800
-
-
total
2 338
8 800
-
-
Dividends

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

9 356
35 200
-
-
total
-
-
-
-
Income
44 000
44 000
44 000
44 000
Total tax
16 107
8 800
18 755
9 406
After tax
27 893
35 200
25 245
34 594
Living cost
18 536
18 536
18 536
18 536
Free-cash
9 357
16 664
6 709
16 058

Estimated living cost  is ₽18536 per week

₽11825
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1765
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽421
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4524
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Istanbul , Turkey
₽10857
₽10056
₽15773
₽13855
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
-
-
-
7 560
health
-
-
-
6 179
pensions
-
-
-
8 522
total
-
-
-
22 261
Employee
17 795
-
35 918
-
income
3 442
-
7 991
-
health
890
-
1 796
-
unemployment
178
-
359
-
pensions
1 601
-
3 233
-
total
6 111
-
13 379
-
Employer
17 795
-
35 918
-
unemployment
356
-
718
-
pensions
1 957
-
3 951
-
health
1 691
-
3 412
-
total
4 004
-
8 081
-
Corporate
22 201
44 000
-
-
income
4 884
9 680
-
-
total
4 884
9 680
-
-
Dividends
17 317
34 320
-
-
withholding
3 463
6 864
-
-
total
3 463
6 864
-
-
Income
44 000
44 000
44 000
44 000
Total tax
18 462
16 544
21 460
22 261
After tax
25 538
27 456
22 540
21 739
Living cost
11 683
11 683
11 683
11 683
Free-cash
13 855
15 773
10 857
10 056

Estimated living cost  is ₽11683 per week

₽6943
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽947
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽268
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3526
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details
Athens , Greece
₽4140
₽5231
₽7663
₽4830
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
-
-
-
6 374
health
-
-
-
3 125
unemployment
-
-
-
203
surtax
-
-
-
255
pensions
-
-
-
8 800
other
-
-
-
-
total
-
-
-
18 757
Employee
30 004
-
36 348
-
other
-
-
-
-
income
5 030
-
6 093
-
health
766
-
927
-
unemployment
2 088
-
2 529
-
surtax
107
-
223
-
pensions
2 002
-
2 425
-
total
9 993
-
12 197
-
Employer
30 004
-
36 348
-
unemployment
952
-
1 151
-
pensions
4 000
-
4 846
-
other
-
-
-
-
health
1 364
-
1 654
-
total
6 316
-
7 651
-
Corporate
7 679
44 000
-
-
income
1 997
11 440
-
-
total
1 997
11 440
-
-
Dividends
5 682
32 560
-
-
withholding
852
4 885
-
-
total
852
4 885
-
-
Income
44 000
44 000
44 000
44 000
Total tax
19 158
16 325
19 848
18 757
After tax
24 842
27 675
24 152
25 243
Living cost
20 012
20 012
20 012
20 012
Free-cash
4 830
7 663
4 140
5 231

Estimated living cost  is ₽20012 per week

₽12082
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1740
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽465
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5727
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details
Graz , Austria
-₽10871
-₽3679
-₽4538
-₽7000
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
-
-
-
2 108
chamber of commerce
-
-
-
176
health
-
-