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
₽ 46000
per

Your estimated
City
free-cash

Valencia , Spain
₽1808
₽1456
₽7040
₽2308
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
-
-
-
46 000
income
-
-
-
6 694
accident
-
-
-
413
unemployment
-
-
-
322
pensions
-
-
-
13 019
other
-
-
-
46
total
-
-
-
20 494
Employee
32 339
-
34 880
-
other
32
-
35
-
income
6 235
-
6 806
-
unemployment
501
-
541
-
pensions
1 520
-
1 640
-
total
8 288
-
9 022
-
Employer
32 339
-
34 880
-
unemployment
1 779
-
1 919
-
pensions
7 631
-
8 232
-
other
259
-
279
-
accident
641
-
690
-
total
10 310
-
11 120
-
Corporate
3 351
46 000
-
-
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.

503
6 899
-
-
total
503
6 899
-
-
Dividends
2 848
39 101
-
-
withholding
541
8 011
-
-
total
541
8 011
-
-
Income
46 000
46 000
46 000
46 000
Total tax
19 642
14 910
20 142
20 494
After tax
26 358
31 090
25 858
25 506
Living cost
24 050
24 050
24 050
24 050
Free-cash
2 308
7 040
1 808
1 456

Estimated living cost  is ₽24050 per week

₽16234
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2312
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽422
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.
₽5084
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
₽3658
₽1607
₽10492
₽4586
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
-
-
-
46 000
income
-
-
-
5 842
health
-
-
-
2 023
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.

-
-
-
11 040
other
-
-
-
2 184
total
-
-
-
21 089
Employee
31 756
-
36 742
-
income
5 467
-
6 325
-
health
445
-
515
-
unemployment
317
-
367
-
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.

2 222
-
2 573
-
total
8 451
-
9 780
-
Employer
31 756
-
36 742
-
unemployment
317
-
367
-
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.

5 399
-
6 245
-
other
1 588
-
1 837
-
accident
254
-
294
-
health
445
-
515
-
total
8 003
-
9 258
-
Corporate
6 241
46 000
-
-
income
1 311
9 660
-
-
total
1 311
9 660
-
-
Dividends
4 930
36 340
-
-
withholding
345
2 544
-
-
total
345
2 544
-
-
Income
46 000
46 000
46 000
46 000
Total tax
18 110
12 204
19 038
21 089
After tax
27 890
33 796
26 962
24 911
Living cost
23 304
23 304
23 304
23 304
Free-cash
4 586
10 492
3 658
1 607

Estimated living cost  is ₽23304 per week

₽16466
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1573
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽375
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.
₽4890
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
₽20117
₽19478
₽27864
₽23803
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
-
-
-
46 000
income
-
-
-
6 900
health
-
-
-
3 513
unemployment
-
-
-
122
pensions

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

-
-
-
4 521
total
-
-
-
15 056
Employee
15 182
-
40 007
-
income
1 518
-
4 001
-
health
698
-
1 405
-
accident

We are using the highest rate at 1.1%.

167
-
336
-
pensions

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

1 333
-
2 682
-
total
3 716
-
8 424
-
Employer
15 182
-
40 007
-
unemployment
91
-
183
-
pensions

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

1 673
-
3 366
-
accident

We are using the highest rate at 1.1%.

167
-
336
-
health
1 048
-
2 108
-
total
2 979
-
5 993
-
Corporate
27 839
46 000
-
-
income
2 784
4 600
-
-
total
2 784
4 600
-
-
Dividends
25 055
41 400
-
-
withholding
1 252
2 070
-
-
total
1 252
2 070
-
-
Income
46 000
46 000
46 000
46 000
Total tax
10 731
6 670
14 417
15 056
After tax
35 269
39 330
31 583
30 944
Living cost
11 466
11 466
11 466
11 466
Free-cash
23 803
27 864
20 117
19 478

Estimated living cost  is ₽11466 per week

₽6694
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽819
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽304
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.
₽3649
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
-₽1753
-₽2263
-₽6739
-₽3120
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
-
-
-
46 000
income
-
-
-
1 847
social contributions
-
-
-
1 311
health
-
-
-
400
surtax
-
-
-
-
pensions
-
-
-
13 356
other
-
-
-
1 426
total
-
-
-
18 340
Employee
37 431
-
35 054
-
income
2 209
-
1 922
-
social contributions
1 067
-
999
-
surtax
-
-
-
-
pensions
4 232
-
3 963
-
total
7 508
-
6 884
-
Employer
37 431
-
35 054
-
unemployment
1 515
-
1 419
-
social contributions
113
-
105
-
pensions
6 149
-
5 759
-
other
1 291
-
1 210
-
health
2 621
-
2 453
-
total
11 689
-
10 946
-
Corporate
-
46 000
-
-
income
-
12 879
-
-
surtax
-
-
-
-
total
-
12 879
-
-
Dividends
-
33 121
-
-
withholding
-
4 239
-
-
surtax
-
-
-
-
social contributions
-
5 698
-
-
total
-
9 937
-
-
Income
46 000
46 000
46 000
46 000
Total tax
19 197
22 816
17 830
18 340
After tax
26 803
23 184
28 170
27 660
Living cost
29 923
29 923
29 923
29 923
Free-cash
-3 120
-6 739
-1 753
-2 263

Estimated living cost  is ₽29923 per week

₽18868
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2433
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽510
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.
₽8114
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
-₽40850
-₽10296
-₽35940
-₽40850
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
-
-
-
46 000
income
-
-
-
4 316
health
-
-
-
7 062
pensions
-
-
-
8 280
total
-
-
-
19 658
Employee
74 687
74 687
74 687
-
income

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

12 225
12 225
12 225
-
health
11 464
9 751
11 464
-
pensions
13 444
10 247
13 444
-
total
37 133
32 223
37 133
-
Employer
74 687
74 687
74 687
-
unemployment
2 689
2 689
2 689
-
pensions
5 198
5 198
5 198
-
health
5 192
5 192
5 192
-
total
13 079
13 079
13 079
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Income
46 000
46 000
46 000
46 000
Total tax
50 212
45 302
50 212
19 658
After tax
-4 212
698
-4 212
26 342
Living cost
36 638
36 638
36 638
36 638
Free-cash
-40 850
-35 940
-40 850
-10 296

Estimated living cost  is ₽36638 per week

₽25965
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3303
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽583
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.
₽6788
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
₽9026
₽8186
-₽3113
₽6562
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.

-
-
-
46 000
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.

-
-
-
4 272
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.

-
-
-
5 975
trade
-
-
-
840
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.

-
-
-
236
total
-
-
-
11 323
Employee

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

33 452
-
46 000
-
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.

934
-
4 272
-
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.

5 975
-
5 975
-
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.

51
-
236
-
total
6 960
-
10 483
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
12 548
46 000
-
-
chamber of commerce
151
199
-
-
income
1 882
6 899
-
-
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.

103
380
-
-
trade
1 977
7 245
-
-
total
4 113
14 723
-
-
Dividends
8 436
31 277
-
-
withholding
1 776
7 487
-
-
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.

98
412
-
-
total
1 874
7 899
-
-
Income
46 000
46 000
46 000
46 000
Total tax
12 947
22 622
10 483
11 323
After tax
33 053
23 378
35 517
34 677
Living cost
26 491
26 491
26 491
26 491
Free-cash
6 562
-3 113
9 026
8 186

Estimated living cost  is ₽26491 per week

₽16663
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3089
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.
₽6244
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
₽10350
₽16344
₽5972
₽8901
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
-
-
-
46 000
income
-
-
-
1 057
social contributions
-
-
-
7 177
health
-
-
-
1 173
total
-
-
-
9 407
Employee
67 252
67 252
67 252
-
income
7 323
6 226
6 989
-
social contributions
2 543
5 582
3 465
-
health
521
1 144
710
-
total
10 387
12 952
11 164
-
Employer
67 252
67 252
67 252
-
social contributions
2 543
5 582
3 465
-
health
566
1 245
772
-
total
3 109
6 827
4 237
-
Corporate
12 256
-
-
-
income
1 532
-
-
-
total
1 532
-
-
-
Dividends
10 724
-
-
-
withholding
1 822
-
-
-
total
1 822
-
-
-
Income
46 000
46 000
46 000
46 000
Total tax
16 850
19 779
15 401
9 407
After tax
29 150
26 221
30 599
36 593
Living cost
20 249
20 249
20 249
20 249
Free-cash
8 901
5 972
10 350
16 344

Estimated living cost  is ₽20249 per week

₽12136
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1987
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽448
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5680
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
-₽1802
-₽718
-₽1269
-₽3778
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.

-
-
-
46 000
income
-
-
-
3 300
social contributions

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

-
-
-
15 985
surtax
-
-
-
-
total
-
-
-
19 285
Employee
40 225
-
37 172
-
income
8 367
-
7 451
-
social contributions
4 425
-
4 090
-
surtax
-
-
-
-
total
12 792
-
11 541
-
Employer
40 225
-
37 172
-
social contributions
9 553
-
8 828
-
total
9 553
-
8 828
-
Corporate
-
46 000
-
-
income
-
9 660
-
-
surtax
-
-
-
-
total
-
9 660
-
-
Dividends
-
36 340
-
-
withholding
-
10 176
-
-
total
-
10 176
-
-
Income
46 000
46 000
46 000
46 000
Total tax
22 345
19 836
20 369
19 285
After tax
23 655
26 164
25 631
26 715
Living cost
27 433
27 433
27 433
27 433
Free-cash
-3 778
-1 269
-1 802
-718

Estimated living cost  is ₽27433 per week

₽20526
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1618
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.
₽4831
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
₽30516
₽39256
₽37416
₽36238
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%.

-
-
-
46 000
microenterprise

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

-
-
-
460
total
-
-
-
460
Employee
7 855
-
46 000
-
income
1 571
-
9 200
-
total
1 571
-
9 200
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

38 145
46 000
-
-
total
-
-
-
-
Dividends
38 145
46 000
-
-
withholding
1 907
2 300
-
-
total
1 907
2 300
-
-
Income
46 000
46 000
46 000
46 000
Total tax
3 478
2 300
9 200
460
After tax
42 522
43 700
36 800
45 540
Living cost
6 284
6 284
6 284
6 284
Free-cash
36 238
37 416
30 516
39 256

Estimated living cost  is ₽6284 per week

₽3894
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽522
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽173
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.
₽1695
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
₽641
₽2096
₽8213
₽898
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.

-
-
-
46 000
income
-
-
-
7 446
health
-
-
-
4 528
unemployment
-
-
-
70
pensions
-
-
-
8 401
total
-
-
-
20 445
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.

38 675
-
39 804
-
income
6 669
-
6 908
-
health
2 498
-
2 571
-
unemployment
55
-
56
-
pensions
5 995
-
6 169
-
total
15 217
-
15 704
-
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.

38 675
-
39 804
-
unemployment
23
-
23
-
pensions
3 422
-
3 522
-
health
2 576
-
2 651
-
total
6 021
-
6 196
-
Corporate
1 304
46 000
-
-
income
247
8 740
-
-
total
247
8 740
-
-
Dividends
1 056
37 260
-
-
withholding
158
5 588
-
-
total
158
5 588
-
-
Income
46 000
46 000
46 000
46 000
Total tax
21 643
14 328
21 900
20 445
After tax
24 357
31 672
24 100
25 555
Living cost
23 459
23 459
23 459
23 459
Free-cash
898
8 213
641
2 096

Estimated living cost  is ₽23459 per week

₽16099
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1504
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.
₽5402
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
₽1390
-₽16352
-₽6332
-₽1403
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.

-
-
-
46 000
income
-
-
-
24 896
health

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

-
-
-
5 708
total
-
-
-
30 604
Employee
40 121
-
41 977
-
social contributions
4 020
-
4 023
-
income
4 353
-
4 816
-
total
8 373
-
8 839
-
Employer
40 121
-
41 977
-
social contributions
4 020
-
4 023
-
total
4 020
-
4 023
-
Corporate
1 859
46 000
-
-
income
651
16 099
-
-
total
651
16 099
-
-
Dividends
1 208
29 901
-
-
social contributions
2 611
4 485
-
-
total
2 611
4 485
-
-
Income
46 000
46 000
46 000
46 000
Total tax
15 655
20 584
12 862
30 604
After tax
30 345
25 416
33 138
15 396
Living cost
31 748
31 748
31 748
31 748
Free-cash
-1 403
-6 332
1 390
-16 352

Estimated living cost  is ₽31748 per week

₽20912
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2503
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽486
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.
₽7845
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
₽9187
₽10995
₽9519
₽9971
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
-
-
-
46 000
income
-
-
-
6 899
social contributions
-
-
-
6 348
health
-
-
-
3 212
total
-
-
-
16 459
Employee
29 654
-
46 000
-
income
4 946
-
8 707
-
social contributions
4 093
-
6 348
-
health
2 070
-
3 212
-
total
11 109
-
18 267
-
Employer
29 654
-
46 000
-
total
-
-
-
-
Corporate
16 346
46 000
-
-
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%.

817
2 300
-
-
total
817
2 300
-
-
Dividends
15 529
43 700
-
-
withholding
2 330
6 554
-
-
health
1 084
3 051
-
-
social contributions
2 143
6 030
-
-
total
5 557
15 635
-
-
Income
46 000
46 000
46 000
46 000
Total tax
17 483
17 935
18 267
16 459
After tax
28 517
28 065
27 733
29 541
Living cost
18 546
18 546
18 546
18 546
Free-cash
9 971
9 519
9 187
10 995

Estimated living cost  is ₽18546 per week

₽12411
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1144
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.
₽4563
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
-₽377
-₽1317
₽7950
-₽743
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
-
-
-
46 000
income
-
-
-
3 954
social contributions
-
-
-
13 432
solidarity contribution
-
-
-
-
health
-
-
-
6 210
total
-
-
-
23 596
Employee
34 883
-
34 328
-
solidarity contribution
-
-
-
-
income
4 186
-
4 119
-
social contributions
2 267
-
2 231
-
health
4 709
-
4 634
-
total
11 162
-
10 984
-
Employer
34 883
-
34 328
-
social contributions
8 721
-
8 582
-
health
3 139
-
3 090
-
total
11 860
-
11 672
-
Corporate
-
46 000
-
-
income
-
8 740
-
-
total
-
8 740
-
-
Dividends
-
37 260
-
-
withholding
-
5 589
-
-
total
-
5 589
-
-
Income
46 000
46 000
46 000
46 000
Total tax
23 022
14 329
22 656
23 596
After tax
22 978
31 671
23 344
22 404
Living cost
23 721
23 721
23 721
23 721
Free-cash
-743
7 950
-377
-1 317

Estimated living cost  is ₽23721 per week

₽17640
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1314
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽410
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4356
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
₽27007
₽35747
₽33907
₽32071
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%.

-
-
-
46 000
microenterprise

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

-
-
-
460
total
-
-
-
460
Employee
12 241
-
46 000
-
income
2 448
-
9 200
-
total
2 448
-
9 200
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

33 759
46 000
-
-
total
-
-
-
-
Dividends
33 759
46 000
-
-
withholding
1 688
2 300
-
-
total
1 688
2 300
-
-
Income
46 000
46 000
46 000
46 000
Total tax
4 136
2 300
9 200
460
After tax
41 864
43 700
36 800
45 540
Living cost
9 793
9 793
9 793
9 793
Free-cash
32 071
33 907
27 007
35 747

Estimated living cost  is ₽9793 per week

₽6627
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽411
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽328
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.
₽2426
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
-₽14072
-₽14582
-₽19058
-₽25885
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
-
-
-
46 000
income
-
-
-
1 847
social contributions
-
-
-
1 311
health
-
-
-
400
surtax
-
-
-
-
pensions
-
-
-
13 356
other
-
-
-
1 426
total
-
-
-
18 340
Employee
54 778
-
35 054
-
income
4 779
-
1 922
-
social contributions
1 560
-
999
-
surtax
-
-
-
-
pensions
6 196
-
3 963
-
total
12 535
-
6 884
-
Employer
54 778
-
35 054
-
unemployment
2 219
-
1 419
-
social contributions
164
-
105
-
pensions
9 001
-
5 759
-
other
1 890
-
1 210
-
health
3 834
-
2 453
-
total
17 108
-
10 946
-
Corporate
-
46 000
-
-
income
-
12 879
-
-
surtax
-
-
-
-
total
-
12 879
-
-
Dividends
-
33 121
-
-
withholding
-
4 239
-
-
surtax
-
-
-
-
social contributions
-
5 698
-
-
total
-
9 937
-
-
Income
46 000
46 000
46 000
46 000
Total tax
29 643
22 816
17 830
18 340
After tax
16 357
23 184
28 170
27 660
Living cost
42 242
42 242
42 242
42 242
Free-cash
-25 885
-19 058
-14 072
-14 582

Estimated living cost  is ₽42242 per week

₽28589
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3456
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽579
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.
₽9618
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
₽9777
₽7797
₽18154
₽13863
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.

-
-
-
46 000
income
-
-
-
5 734
health
-
-
-
4 738
unemployment
-
-
-
690
pensions
-
-
-
11 960
total
-
-
-
23 122
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.

22 741
-
39 016
-
income
3 135
-
6 394
-
health
1 171
-
2 009
-
unemployment
171
-
293
-
pensions
3 184
-
5 462
-
total
7 661
-
14 158
-
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.

22 741
-
39 016
-
unemployment
171
-
293
-
pensions
2 729
-
4 682
-
health
1 171
-
2 009
-
total
4 071
-
6 984
-
Corporate
19 188
46 000
-
-
income
2 878
6 900
-
-
total
2 878
6 900
-
-
Dividends
16 310
39 100
-
-
withholding
2 446
5 865
-
-
total
2 446
5 865
-
-
Income
46 000
46 000
46 000
46 000
Total tax
17 056
12 765
21 142
23 122
After tax
28 944
33 235
24 858
22 878
Living cost
15 081
15 081
15 081
15 081
Free-cash
13 863
18 154
9 777
7 797

Estimated living cost  is ₽15081 per week

₽10154
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1167
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽436
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3324
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
-₽24355
-₽22026
-₽39998
-₽32229
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
-
-
-
46 000
regional
-
-
-
1 020
national
-
-
-
138
health
-
-
-
199
city
-
-
-
484
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.

-
-
-
920
pensions
-
-
-
4 232
total
-
-
-
6 993
Employee
71 424
-
41 174
-
regional
2 339
-
846
-
city
767
-
442
-
health
161
-
92
-
unemployment
-
-
-
-
national
338
-
111
-
pensions
6 001
-
3 458
-
total
9 606
-
4 949
-
Employer
71 424
-
41 174
-
unemployment
-
-
-
-
pensions
6 001
-
3 458
-
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.

1 428
-
823
-
health
161
-
92
-
total
7 590
-
4 373
-
Corporate
-
46 000
-
-
regional
-
9 730
-
-
national
-
3 909
-
-
total
-
13 639
-
-
Dividends
-
32 361
-
-
withholding
-
11 326
-
-
total
-
11 326
-
-
Income
46 000
46 000
46 000
46 000
Total tax
17 196
24 965
9 322
6 993
After tax
28 804
21 035
36 678
39 007
Living cost
61 033
61 033
61 033
61 033
Free-cash
-32 229
-39 998
-24 355
-22 026

Estimated living cost  is ₽61033 per week

₽39689
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5477
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽749
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.
₽15117
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
-₽5016
₽2666
-₽1746
-₽8696
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

-
-
-
46 000
municipal
-
-
-
8 219
national
-
-
-
1 193
health
-
-
-
344
total
-
-
-
9 756
Employee
46 014
-
38 697
-
health
344
-
231
-
unemployment
690
-
581
-
national
760
-
363
-
municipal
7 537
-
6 348
-
pensions
3 105
-
2 612
-
total
12 436
-
10 135
-
Employer
46 014
-
38 697
-
unemployment
299
-
252
-
pensions
7 983
-
6 714
-
accident
46
-
38
-
health
354
-
299
-
total
8 682
-
7 303
-
Corporate
-
46 000
-
-
income
-
9 200
-
-
total
-
9 200
-
-
Dividends

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

-
27 600
-
-
national
-
-
-
-
municipal
-
4 968
-
-
total
-
4 968
-
-
Income
46 000
46 000
46 000
46 000
Total tax
21 118
14 168
17 438
9 756
After tax
24 882
31 832
28 562
36 244
Living cost
33 578
33 578
33 578
33 578
Free-cash
-8 696
-1 746
-5 016
2 666

Estimated living cost  is ₽33578 per week

₽21933
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3230
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽534
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.
₽7882
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
-₽11866
-₽6529
-₽5940
-₽34771
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
-
-
-
46 000
national
-
-
-
13 239
social contributions
-
-
-
4 938
communal

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

-
-
-
2 463
total
-
-
-
20 640
Employee

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

62 560
-
35 630
-
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.

2 939
-
1 675
-
communal

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

3 263
-
1 859
-
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.

544
-
310
-
national
19 234
-
9 091
-
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.

4 692
-
2 672
-
total
30 672
-
15 607
-
Employer

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

62 560
-
35 630
-
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.

913
-
519
-
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.

5 543
-
3 157
-
surtax
7 094
-
4 040
-
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.

813
-
463
-
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.

3 847
-
2 191
-
total
18 210
-
10 370
-
Corporate
-
46 000
-
-
income
-
9 200
-
-
surtax
-
184
-
-
total
-
9 384
-
-
Dividends
-
36 616
-
-
withholding

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

-
10 667
-
-
total
-
10 667
-
-
Income
46 000
46 000
46 000
46 000
Total tax
48 882
20 051
25 977
20 640
After tax
-2 882
25 949
20 023
25 360
Living cost
31 889
31 889
31 889
31 889
Free-cash
-34 771
-5 940
-11 866
-6 529

Estimated living cost  is ₽31889 per week

₽20541
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2788
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.
₽8061
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
-₽11275
-₽12908
-₽10723
-₽21112
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
-
-
-
46 000
municipal
-
-
-
9 743
national
-
-
-
-
health
-
-
-
2 870
accident
-
-
-
92
unemployment
-
-
-
46
pensions
-
-
-
4 973
other
-
-
-
5 345
total
-
-
-
23 069
Employee
51 067
-
35 002
-
national
-
-
-
-
municipal
15 228
-
10 438
-
total
15 228
-
10 438
-
Employer
51 067
-
35 002
-
unemployment
1 348
-
924
-
pensions
5 520
-
3 784
-
other
5 934
-
4 067
-
accident
102
-
70
-
health
3 141
-
2 153
-
total
16 045
-
10 998
-
Corporate
-
46 000
-
-
income
-
10 120
-
-
total
-
10 120
-
-
Dividends
-
35 880
-
-
withholding
-
10 764
-
-
total
-
10 764
-
-
Income
46 000
46 000
46 000
46 000
Total tax
31 273
20 884
21 436
23 069
After tax
14 727
25 116
24 564
22 931
Living cost
35 839
35 839
35 839
35 839
Free-cash
-21 112
-10 723
-11 275
-12 908

Estimated living cost  is ₽35839 per week

₽23752
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3517
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.
₽8025
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
-₽4772
-₽7119
-₽10923
-₽88453
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
-
-
-
46 000
income
-
-
-
8 966
social contributions
-
-
-
5 244
total
-
-
-
14 210
Employee
55 789
-
-
-
income
12 306
-
-
-
social contributions
4 575
-
652
-
total
16 881
-
652
-
Employer
55 789
-
-
-
social contributions
78 663
-
11 211
-
total
78 663
-
11 211
-
Corporate
-
46 000
-
-
income
-
10 120
-
-
total
-
10 120
-
-
Dividends
-
35 880
-
-
income
-
7 894
-
-
total
-
7 894
-
-
Income
46 000
46 000
46 000
46 000
Total tax
95 544
18 014
11 863
14 210
After tax
-49 544
27 986
34 137
31 790
Living cost
38 909
38 909
38 909
38 909
Free-cash
-88 453
-10 923
-4 772
-7 119

Estimated living cost  is ₽38909 per week

₽25245
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3659
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽496
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9508
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
₽2232
₽8226
-₽2146
₽1915
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
-
-
-
46 000
income
-
-
-
1 057
social contributions
-
-
-
7 177
health
-
-
-
1 173
total
-
-
-
9 407
Employee
67 252
67 252
67 252
-
income
7 062
6 226
6 989
-
social contributions
3 268
5 582
3 465
-
health
669
1 144
710
-
total
10 999
12 952
11 164
-
Employer
67 252
67 252
67 252
-
social contributions
3 268
5 582
3 465
-
health
729
1 245
772
-
total
3 997
6 827
4 237
-
Corporate
2 637
-
-
-
income
330
-
-
-
total
330
-
-
-
Dividends
2 307
-
-
-
withholding
392
-
-
-
total
392
-
-
-
Income
46 000
46 000
46 000
46 000
Total tax
15 718
19 779
15 401
9 407
After tax
30 282
26 221
30 599
36 593
Living cost
28 367
28 367
28 367
28 367
Free-cash
1 915
-2 146
2 232
8 226

Estimated living cost  is ₽28367 per week

₽19392
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2216
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽476
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.
₽6284
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
-₽1632
₽2921
₽2759
-₽2747
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
-
-
-
46 000
income
-
-
-
8 657
pensions
-
-
-
2 715
total
-
-
-
11 372
Employee
43 523
-
41 150
-
income
7 926
-
7 518
-
health
568
-
519
-
pensions
3 322
-
3 038
-
total
11 816
-
11 075
-
Employer
43 523
-
41 150
-
pensions
4 397
-
4 068
-
health
827
-
782
-
total
5 224
-
4 850
-
Corporate
-
46 000
-
-
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.

-
8 740
-
-
total
-
8 740
-
-
Dividends
-
37 260
-
-
withholding
-
2 794
-
-
total
-
2 794
-
-
Income
46 000
46 000
46 000
46 000
Total tax
17 040
11 534
15 925
11 372
After tax
28 960
34 466
30 075
34 628
Living cost
31 707
31 707
31 707
31 707
Free-cash
-2 747
2 759
-1 632
2 921

Estimated living cost  is ₽31707 per week

₽21751
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2916
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽397
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.
₽6642
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
-₽12447
-₽9895
-₽10612
-₽27700
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
-
-
-
46 000
municipal
-
-
-
307
regional
-
-
-
685
national
-
-
-
8 231
social contributions
-
-
-
11 830
total
-
-
-
21 053
Employee
73 699
-
46 000
-
regional
1 113
-
583
-
social contributions
24 851
-
15 512
-
national
12 454
-
7 236
-
municipal
440
-
274
-
total
38 858
-
23 605
-
Employer
73 699
-
46 000
-
total
-
-
-
-
Corporate
-
46 000
-
-
nationa
-
11 040
-
-
municipal
-
2 217
-
-
total
-
13 257
-
-
Dividends
-
32 742
-
-
withholding
-
8 513
-
-
total
-
8 513
-
-
Income
46 000
46 000
46 000
46 000
Total tax
38 858
21 770
23 605
21 053
After tax
7 142
24 230
22 395
24 947
Living cost
34 842
34 842
34 842
34 842
Free-cash
-27 700
-10 612
-12 447
-9 895

Estimated living cost  is ₽34842 per week

₽24474
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2397
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽526
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.
₽7444
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
₽6291
₽13797
-₽14276
₽965
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
-
-
-
46 000
income
-
-
-
8 501
health
-
-
-
1 785
accident
-
-
-
207
pensions
-
-
-
3 405
other
-
-
-
303
total
-
-
-
14 201
Employee
28 318
-
38 212
-
income
3 885
-
5 242
-
health
3 242
-
4 375
-
pensions
3 189
-
4 303
-
total
10 316
-
13 920
-
Employer
28 318
-
38 212
-
unemployment
694
-
936
-
pensions
4 605
-
6 213
-
accident
473
-
638
-
total
5 772
-
7 787
-
Corporate
11 910
46 000
-
-
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.

10 719
41 400
-
-
total
10 719
41 400
-
-
Dividends
1 191
4 600
-
-
withholding
226
874
-
-
total
226
874
-
-
Income
46 000
46 000
46 000
46 000
Total tax
27 033
42 274
21 707
14 201
After tax
18 967
3 726
24 293
31 799
Living cost
18 002
18 002
18 002
18 002
Free-cash
965
-14 276
6 291
13 797

Estimated living cost  is ₽18002 per week

₽13194
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽997
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽376
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.
₽3435
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
₽1751
₽986
-₽9915
₽1527
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.

-
-
-
46 000
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.

-
-
-
4 272
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.

-
-
-
5 975
trade
-
-
-
765
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.

-
-
-
236
total
-
-
-
11 248
Employee

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

43 517
-
46 000
-
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.

3 578
-
4 272
-
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.

5 975
-
5 975
-
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.

198
-
236
-
total
9 751
-
10 483
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
2 483
46 000
-
-
chamber of commerce
136
201
-
-
income
372
6 899
-
-
surtax

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

20
380
-
-
trade
357
6 601
-
-
total
885
14 081
-
-
Dividends
1 599
31 919
-
-
withholding
68
7 648
-
-
surtax

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

3
420
-
-
total
71
8 068
-
-
Income
46 000
46 000
46 000
46 000
Total tax
10 707
22 149
10 483
11 248
After tax
35 293
23 851
35 517
34 752
Living cost
33 766
33 766
33 766
33 766
Free-cash
1 527
-9 915
1 751
986

Estimated living cost  is ₽33766 per week

₽23292
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3633
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽490
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.
₽6350
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
₽8199
₽18153
₽18605
₽11430
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.

-
-
-
46 000
microenterprise
-
-
-
6 899
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.

-
-
-
2 753
surtax
-
-
-
-
total
-
-
-
9 652
Employee
25 556
-
37 069
-
income
4 549
-
6 599
-
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.

2 812
-
4 078
-
surtax
-
-
-
-
total
7 361
-
10 677
-
Employer
25 556
-
37 069
-
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.

6 156
-
8 929
-
surtax
-
-
-
-
total
6 156
-
8 929
-
Corporate
14 288
46 000
-
-
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%.

2 858
9 200
-
-
total
2 858
9 200
-
-
Dividends

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

11 430
36 800
-
-
total
-
-
-
-
Income
46 000
46 000
46 000
46 000
Total tax
16 375
9 200
19 606
9 652
After tax
29 625
36 800
26 394
36 348
Living cost
18 195
18 195
18 195
18 195
Free-cash
11 430
18 605
8 199
18 153

Estimated living cost  is ₽18195 per week

₽11608
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1733
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽413
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.
₽4441
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
₽12027
₽11913
₽17372
₽15511
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
-
-
-
46 000
income
-
-
-
8 496
health
-
-
-
5 993
pensions
-
-
-
8 266
total
-
-
-
22 755
Employee
17 260
-
37 551
-
income
3 339
-
8 558
-
health
863
-
1 878
-
unemployment
173
-
376
-
pensions
1 553
-
3 380
-
total
5 928
-
14 192
-
Employer
17 260
-
37 551
-
unemployment
345
-
751
-
pensions
1 899
-
4 131
-
health
1 640
-
3 567
-
total
3 884
-
8 449
-
Corporate
24 856
46 000
-
-
income
5 468
10 120
-
-
total
5 468
10 120
-
-
Dividends
19 388
35 880
-
-
withholding
3 877
7 176
-
-
total
3 877
7 176
-
-
Income
46 000
46 000
46 000
46 000
Total tax
19 157
17 296
22 641
22 755
After tax
26 843
28 704
23 359
23 245
Living cost
11 332
11 332
11 332
11 332
Free-cash
15 511
17 372
12 027
11 913

Estimated living cost  is ₽11332 per week

₽6734
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽919
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽260
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.
₽3420
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
₽5576
₽6712
₽9291
₽6507
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
-
-
-
46 000
income
-
-
-
6 680
health
-
-
-
3 266
unemployment
-
-
-
199
surtax
-
-
-
299
pensions
-
-
-
9 200
other
-
-
-
-
total
-
-
-
19 644
Employee
29 453
-
38 000
-
other
-
-
-
-
income
4 938
-
6 370
-
health
752
-
969
-
unemployment
2 050
-
2 646
-
surtax
105
-
262
-
pensions
1 965
-
2 534
-
total
9 810
-
12 781
-
Employer
29 453
-
38 000
-
unemployment
934
-
1 205
-
pensions
3 927
-
5 065
-
other
-
-
-
-
health
1 339
-
1 729
-
total
6 200
-
7 999
-
Corporate
10 346
46 000
-
-
income
2 690
11 960
-
-
total
2 690
11 960
-
-
Dividends
7 656
34 040
-
-
withholding
1 149
5 105
-
-
total
1 149
5 105
-
-
Income
46 000
46 000
46 000
46 000
Total tax
19 849
17 065
20 780
19 644
After tax
26 151
28 935
25 220
26 356
Living cost
19 644
19 644
19 644
19 644
Free-cash
6 507
9 291
5 576
6 712

Estimated living cost  is ₽19644 per week

₽11860
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1708
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽456
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.
₽5621
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
-₽9500
-₽2066
-₽1726
-₽4065
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
-
-
-
46 000
income
-
-
-
2 587
chamber of commerce
-
-
-
184
health
-
-
-