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
₽ 49500
per

Your estimated
City
free-cash

Valencia , Spain
₽6905
₽5166
₽4815
₽11164
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
-
-
-
49 500
unemployment
-
-
-
347
income
-
-
-
7 577
other
-
-
-
49
accident
-
-
-
445
pensions
-
-
-
14 008
total
-
-
-
22 426
Employee
29 931
-
37 534
-
unemployment
464
-
582
-
pensions
1 407
-
1 763
-
income
5 770
-
7 727
-
other
29
-
37
-
total
7 670
-
10 109
-
Employer
29 931
-
37 534
-
pensions
7 063
-
8 857
-
accident
593
-
743
-
unemployment
1 647
-
2 065
-
other
240
-
301
-
total
9 543
-
11 966
-
Corporate
10 027
49 500
-
-
income

The general rate of corporate tax is 25%. The lower rate of 15% is introduced for newly formed companies which applies during the first two years of operation in which taxable profit is made. We use the lower rate in our model.

1 504
7 426
-
-
total
1 504
7 426
-
-
Dividends
8 523
42 074
-
-
withholding
1 619
8 651
-
-
total
1 619
8 651
-
-
Income
49 500
49 500
49 500
49 500
Total tax
20 336
16 077
22 075
22 426
After tax
29 164
33 423
27 425
27 074
Living cost
22 259
22 259
22 259
22 259
Free-cash
6 905
11 164
5 166
4 815

Estimated living cost  is ₽22259 per week

₽15025
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2140
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽390
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4705
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
₽9333
₽7447
₽5235
₽14799
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
-
-
-
49 500
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.

-
-
-
11 879
income
-
-
-
6 287
other
-
-
-
2 352
health
-
-
-
2 178
total
-
-
-
22 696
Employee
29 391
-
39 538
-
health
412
-
553
-
unemployment
293
-
395
-
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.

2 057
-
2 768
-
income
5 060
-
6 807
-
total
7 822
-
10 523
-
Employer
29 391
-
39 538
-
health
412
-
553
-
pensions

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

4 997
-
6 720
-
accident
235
-
316
-
unemployment
293
-
395
-
other
1 470
-
1 977
-
total
7 407
-
9 961
-
Corporate
12 702
49 500
-
-
income
2 667
10 395
-
-
total
2 667
10 395
-
-
Dividends
10 035
39 105
-
-
withholding
702
2 737
-
-
total
702
2 737
-
-
Income
49 500
49 500
49 500
49 500
Total tax
18 598
13 132
20 484
22 696
After tax
30 902
36 368
29 016
26 804
Living cost
21 569
21 569
21 569
21 569
Free-cash
9 333
14 799
7 447
5 235

Estimated living cost  is ₽21569 per week

₽15240
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1456
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽347
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.
₽4525
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
₽27933
₽24829
₽23893
₽31697
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
-
-
-
49 500
pensions

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

-
-
-
4 189
unemployment
-
-
-
113
income
-
-
-
7 425
health
-
-
-
3 255
total
-
-
-
14 982
Employee
14 069
-
43 946
-
health
647
-
1 302
-
accident

We are using the highest rate at 1.1%.

155
-
311
-
pensions

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

1 235
-
2 485
-
income
1 407
-
4 395
-
total
3 444
-
8 493
-
Employer
14 069
-
43 946
-
health
971
-
1 953
-
pensions

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

1 551
-
3 119
-
accident

We are using the highest rate at 1.1%.

155
-
311
-
unemployment
84
-
170
-
total
2 761
-
5 553
-
Corporate
32 670
49 500
-
-
income
3 267
4 950
-
-
total
3 267
4 950
-
-
Dividends
29 403
44 550
-
-
withholding
1 470
2 228
-
-
total
1 470
2 228
-
-
Income
49 500
49 500
49 500
49 500
Total tax
10 942
7 178
14 046
14 982
After tax
38 558
42 322
35 454
34 518
Living cost
10 625
10 625
10 625
10 625
Free-cash
27 933
31 697
24 829
23 893

Estimated living cost  is ₽10625 per week

₽6203
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽759
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽281
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.
₽3382
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
₽2035
₽2270
₽1899
-₽2748
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
-
-
-
49 500
income
-
-
-
2 366
other
-
-
-
1 535
health
-
-
-
429
social contributions
-
-
-
1 410
pensions
-
-
-
14 166
surtax
-
-
-
-
total
-
-
-
19 906
Employee
34 644
-
37 718
-
pensions
3 917
-
4 264
-
income
2 045
-
2 416
-
social contributions
988
-
1 075
-
surtax
-
-
-
-
total
6 950
-
7 755
-
Employer
34 644
-
37 718
-
health
2 426
-
2 641
-
social contributions
104
-
114
-
pensions
5 691
-
6 197
-
unemployment
1 402
-
1 527
-
other
1 195
-
1 301
-
total
10 818
-
11 780
-
Corporate
4 037
49 500
-
-
income
1 131
13 860
-
-
surtax
-
-
-
-
total
1 131
13 860
-
-
Dividends
2 907
35 640
-
-
social contributions
499
6 131
-
-
surtax
-
-
-
-
withholding
372
4 562
-
-
total
871
10 693
-
-
Income
49 500
49 500
49 500
49 500
Total tax
19 770
24 553
19 535
19 906
After tax
29 730
24 947
29 965
29 594
Living cost
27 695
27 695
27 695
27 695
Free-cash
2 035
-2 748
2 270
1 899

Estimated living cost  is ₽27695 per week

₽17463
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2252
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽472
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.
₽7510
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
-₽30883
-₽30883
-₽5636
-₽26339
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
-
-
-
49 500
pensions
-
-
-
8 909
income
-
-
-
4 718
health
-
-
-
7 599
total
-
-
-
21 226
Employee
69 125
69 125
69 125
-
health
10 610
9 025
10 610
-
pensions
12 443
9 484
12 443
-
income

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

11 315
11 315
11 315
-
total
34 368
29 824
34 368
-
Employer
69 125
69 125
69 125
-
health
4 805
4 805
4 805
-
pensions
4 811
4 811
4 811
-
unemployment
2 489
2 489
2 489
-
total
12 105
12 105
12 105
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
49 500
49 500
49 500
49 500
Total tax
46 473
41 929
46 473
21 226
After tax
3 027
7 571
3 027
28 274
Living cost
33 910
33 910
33 910
33 910
Free-cash
-30 883
-26 339
-30 883
-5 636

Estimated living cost  is ₽33910 per week

₽24031
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3057
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽539
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.
₽6283
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
₽9555
₽13146
₽11277
₽600
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.

-
-
-
49 500
trade
-
-
-
1 869
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.

-
-
-
5 977
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.

-
-
-
5 530
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.

-
-
-
329
total
-
-
-
13 705
Employee

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

30 961
-
49 500
-
health

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

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

5 530
-
5 530
-
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.

865
-
5 977
-
surtax

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

48
-
329
-
total
6 443
-
11 836
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
18 539
49 500
-
-
income
2 780
7 426
-
-
trade
2 920
7 796
-
-
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.

154
409
-
-
chamber of commerce
149
194
-
-
total
6 003
15 825
-
-
Dividends
12 536
33 676
-
-
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.

155
445
-
-
withholding
2 826
8 112
-
-
total
2 981
8 557
-
-
Income
49 500
49 500
49 500
49 500
Total tax
15 427
24 382
11 836
13 705
After tax
34 073
25 118
37 664
35 795
Living cost
24 518
24 518
24 518
24 518
Free-cash
9 555
600
13 146
11 277

Estimated living cost  is ₽24518 per week

₽15423
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2859
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.
₽5779
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
₽13269
₽15424
₽19662
₽12455
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
-
-
-
49 500
income
-
-
-
2 112
health
-
-
-
1 263
social contributions
-
-
-
7 722
total
-
-
-
11 097
Employee
62 244
62 244
62 244
-
health
482
1 058
763
-
income
6 777
5 762
6 281
-
social contributions
2 353
5 166
3 730
-
total
9 612
11 986
10 774
-
Employer
62 244
62 244
62 244
-
health
524
1 152
831
-
social contributions
2 353
5 166
3 730
-
total
2 877
6 318
4 561
-
Corporate
18 268
-
-
-
income
2 284
-
-
-
total
2 284
-
-
-
Dividends
15 984
-
-
-
withholding
2 717
-
-
-
total
2 717
-
-
-
Income
49 500
49 500
49 500
49 500
Total tax
17 490
18 304
15 335
11 097
After tax
32 010
31 196
34 165
38 403
Living cost
18 741
18 741
18 741
18 741
Free-cash
13 269
12 455
15 424
19 662

Estimated living cost  is ₽18741 per week

₽11232
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1839
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽415
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.
₽5257
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
₽1950
₽1605
₽3061
₽2766
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.

-
-
-
49 500
income
-
-
-
3 848
social contributions

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

-
-
-
17 201
surtax
-
-
-
-
total
-
-
-
21 049
Employee
37 229
-
39 999
-
income
7 744
-
8 607
-
social contributions
4 095
-
4 399
-
surtax
-
-
-
-
total
11 839
-
13 006
-
Employer
37 229
-
39 999
-
social contributions
8 842
-
9 499
-
total
8 842
-
9 499
-
Corporate
3 429
49 500
-
-
income
720
10 395
-
-
surtax
-
-
-
-
total
720
10 395
-
-
Dividends
2 709
39 105
-
-
withholding
759
10 949
-
-
total
759
10 949
-
-
Income
49 500
49 500
49 500
49 500
Total tax
22 160
21 344
22 505
21 049
After tax
27 340
28 156
26 995
28 451
Living cost
25 390
25 390
25 390
25 390
Free-cash
1 950
2 766
1 605
3 061

Estimated living cost  is ₽25390 per week

₽18997
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1498
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽424
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.
₽4472
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
₽39844
₽33553
₽42958
₽40978
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%.

-
-
-
49 500
microenterprise

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

-
-
-
495
total
-
-
-
495
Employee
7 559
-
49 500
-
income
1 512
-
9 900
-
total
1 512
-
9 900
-
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%.

41 941
49 500
-
-
total
-
-
-
-
Dividends
41 941
49 500
-
-
withholding
2 097
2 475
-
-
total
2 097
2 475
-
-
Income
49 500
49 500
49 500
49 500
Total tax
3 609
2 475
9 900
495
After tax
45 891
47 025
39 600
49 005
Living cost
6 047
6 047
6 047
6 047
Free-cash
39 844
40 978
33 553
42 958

Estimated living cost  is ₽6047 per week

₽3748
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽503
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽166
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.
₽1631
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
₽5598
₽3857
₽5277
₽12368
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.

-
-
-
49 500
pensions
-
-
-
9 040
unemployment
-
-
-
74
income
-
-
-
8 526
health
-
-
-
4 871
total
-
-
-
22 511
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.

35 795
-
42 830
-
health
2 312
-
2 767
-
unemployment
51
-
60
-
pensions
5 548
-
6 639
-
income
6 173
-
7 795
-
total
14 084
-
17 261
-
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.

35 795
-
42 830
-
health
2 384
-
2 853
-
pensions
3 167
-
3 791
-
unemployment
22
-
26
-
total
5 573
-
6 670
-
Corporate
8 132
49 500
-
-
income
1 545
9 406
-
-
total
1 545
9 406
-
-
Dividends
6 587
40 094
-
-
withholding
988
6 014
-
-
total
988
6 014
-
-
Income
49 500
49 500
49 500
49 500
Total tax
22 190
15 420
23 931
22 511
After tax
27 310
34 080
25 569
26 989
Living cost
21 712
21 712
21 712
21 712
Free-cash
5 598
12 368
3 857
5 277

Estimated living cost  is ₽21712 per week

₽14900
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1392
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.
₽5000
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
₽3205
₽6479
-₽8050
-₽1485
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.

-
-
-
49 500
income
-
-
-
23 042
health

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

-
-
-
5 124
total
-
-
-
28 166
Employee
37 134
-
45 776
-
social contributions
3 720
-
3 724
-
income
4 029
-
6 189
-
total
7 749
-
9 913
-
Employer
37 134
-
45 776
-
social contributions
3 720
-
3 724
-
total
3 720
-
3 724
-
Corporate
8 646
49 500
-
-
income
3 026
17 324
-
-
total
3 026
17 324
-
-
Dividends
5 620
32 176
-
-
social contributions
2 416
4 277
-
-
total
2 416
4 277
-
-
Income
49 500
49 500
49 500
49 500
Total tax
16 911
21 601
13 637
28 166
After tax
32 589
27 899
35 863
21 334
Living cost
29 384
29 384
29 384
29 384
Free-cash
3 205
-1 485
6 479
-8 050

Estimated living cost  is ₽29384 per week

₽19355
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2316
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽450
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.
₽7261
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
₽13455
₽12399
₽14624
₽13034
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
-
-
-
49 500
income
-
-
-
7 426
health
-
-
-
3 455
social contributions
-
-
-
6 831
total
-
-
-
17 712
Employee
27 446
-
49 500
-
health
1 916
-
3 455
-
income
4 578
-
9 651
-
social contributions
3 788
-
6 831
-
total
10 282
-
19 937
-
Employer
27 446
-
49 500
-
total
-
-
-
-
Corporate
22 054
49 500
-
-
income

The standard tax rate is 15%. However, small companies and agricultural companies can apply a reduced corporate income tax rate of 0% to the first year of operation when certain conditions are met; and 5% to revenues of less than €300,000 per year. We made calculations based on 5% and skipped 0%.

1 103
2 475
-
-
total
1 103
2 475
-
-
Dividends
20 951
47 025
-
-
social contributions
2 891
6 490
-
-
withholding
3 143
7 054
-
-
health
1 462
3 283
-
-
total
7 496
16 827
-
-
Income
49 500
49 500
49 500
49 500
Total tax
18 881
19 302
19 937
17 712
After tax
30 619
30 198
29 563
31 788
Living cost
17 164
17 164
17 164
17 164
Free-cash
13 455
13 034
12 399
14 624

Estimated living cost  is ₽17164 per week

₽11487
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1058
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽395
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4223
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
₽3395
₽2501
₽1490
₽11463
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
-
-
-
49 500
income
-
-
-
4 255
health
-
-
-
6 683
social contributions
-
-
-
14 454
solidarity contribution
-
-
-
-
total
-
-
-
25 392
Employee
33 261
-
36 940
-
health
4 490
-
4 987
-
solidarity contribution
-
-
-
-
income
3 991
-
4 433
-
social contributions
2 162
-
2 401
-
total
10 643
-
11 821
-
Employer
33 261
-
36 940
-
health
2 993
-
3 325
-
social contributions
8 315
-
9 235
-
total
11 308
-
12 560
-
Corporate
4 930
49 500
-
-
income
937
9 405
-
-
total
937
9 405
-
-
Dividends
3 993
40 095
-
-
withholding
599
6 014
-
-
total
599
6 014
-
-
Income
49 500
49 500
49 500
49 500
Total tax
23 487
15 419
24 381
25 392
After tax
26 013
34 081
25 119
24 108
Living cost
22 618
22 618
22 618
22 618
Free-cash
3 395
11 463
2 501
1 490

Estimated living cost  is ₽22618 per week

₽16820
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1253
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽391
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4153
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
₽35835
₽30177
₽39582
₽37602
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%.

-
-
-
49 500
microenterprise

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

-
-
-
495
total
-
-
-
495
Employee
11 779
-
49 500
-
income
2 356
-
9 900
-
total
2 356
-
9 900
-
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%.

37 721
49 500
-
-
total
-
-
-
-
Dividends
37 721
49 500
-
-
withholding
1 886
2 475
-
-
total
1 886
2 475
-
-
Income
49 500
49 500
49 500
49 500
Total tax
4 242
2 475
9 900
495
After tax
45 258
47 025
39 600
49 005
Living cost
9 423
9 423
9 423
9 423
Free-cash
35 835
37 602
30 177
39 582

Estimated living cost  is ₽9423 per week

₽6377
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽396
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽316
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.
₽2335
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
-₽17032
-₽9131
-₽9502
-₽14149
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
-
-
-
49 500
income
-
-
-
2 366
other
-
-
-
1 535
health
-
-
-
429
social contributions
-
-
-
1 410
pensions
-
-
-
14 166
surtax
-
-
-
-
total
-
-
-
19 906
Employee
50 698
-
37 718
-
pensions
5 734
-
4 264
-
income
4 424
-
2 416
-
social contributions
1 444
-
1 075
-
surtax
-
-
-
-
total
11 602
-
7 755
-
Employer
50 698
-
37 718
-
health
3 548
-
2 641
-
social contributions
152
-
114
-
pensions
8 330
-
6 197
-
unemployment
2 054
-
1 527
-
other
1 750
-
1 301
-
total
15 834
-
11 780
-
Corporate
-
49 500
-
-
income
-
13 860
-
-
surtax
-
-
-
-
total
-
13 860
-
-
Dividends
-
35 640
-
-
social contributions
-
6 131
-
-
surtax
-
-
-
-
withholding
-
4 562
-
-
total
-
10 693
-
-
Income
49 500
49 500
49 500
49 500
Total tax
27 436
24 553
19 535
19 906
After tax
22 064
24 947
29 965
29 594
Living cost
39 096
39 096
39 096
39 096
Free-cash
-17 032
-14 149
-9 131
-9 502

Estimated living cost  is ₽39096 per week

₽26460
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3198
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.
₽8902
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
₽17848
₽12587
₽10455
₽21816
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.

-
-
-
49 500
pensions
-
-
-
12 870
unemployment
-
-
-
743
income
-
-
-
6 385
health
-
-
-
5 099
total
-
-
-
25 097
Employee

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

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

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

21 032
-
41 985
-
health
1 083
-
2 162
-
unemployment
158
-
315
-
pensions
2 944
-
5 878
-
income
2 899
-
7 095
-
total
7 084
-
15 450
-
Employer

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

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

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

21 032
-
41 985
-
health
1 083
-
2 162
-
pensions
2 524
-
5 038
-
unemployment
158
-
315
-
total
3 765
-
7 515
-
Corporate
24 703
49 500
-
-
income
3 705
7 425
-
-
total
3 705
7 425
-
-
Dividends
20 998
42 075
-
-
withholding
3 150
6 311
-
-
total
3 150
6 311
-
-
Income
49 500
49 500
49 500
49 500
Total tax
17 704
13 736
22 965
25 097
After tax
31 796
35 764
26 535
24 403
Living cost
13 948
13 948
13 948
13 948
Free-cash
17 848
21 816
12 587
10 455

Estimated living cost  is ₽13948 per week

₽9391
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1079
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽404
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.
₽3074
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
-₽22724
-₽17064
-₽14526
-₽33714
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
-
-
-
49 500
pensions
-
-
-
4 554
city
-
-
-
521
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.

-
-
-
990
health
-
-
-
184
regional
-
-
-
1 253
national
-
-
-
175
total
-
-
-
7 677
Employee
65 943
-
44 306
-
health
149
-
100
-
unemployment
-
-
-
-
city
708
-
476
-
pensions
5 540
-
3 721
-
regional
2 159
-
1 065
-
national
312
-
146
-
total
8 868
-
5 508
-
Employer
65 943
-
44 306
-
health
149
-
100
-
pensions
5 540
-
3 721
-
unemployment
-
-
-
-
other

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

1 318
-
886
-
total
7 007
-
4 707
-
Corporate
-
49 500
-
-
regional
-
10 469
-
-
national
-
4 207
-
-
total
-
14 676
-
-
Dividends
-
34 823
-
-
withholding
-
12 189
-
-
total
-
12 189
-
-
Income
49 500
49 500
49 500
49 500
Total tax
15 875
26 865
10 215
7 677
After tax
33 625
22 635
39 285
41 823
Living cost
56 349
56 349
56 349
56 349
Free-cash
-22 724
-33 714
-17 064
-14 526

Estimated living cost  is ₽56349 per week

₽36643
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5057
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽692
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.
₽13957
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
-₽1124
-₽647
₽6883
₽3016
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

-
-
-
49 500
municipal
-
-
-
8 834
health
-
-
-
424
national
-
-
-
2 281
total
-
-
-
11 539
Employee
42 588
-
41 643
-
health
318
-
304
-
unemployment
639
-
625
-
pensions
2 874
-
2 811
-
national
704
-
651
-
municipal
6 975
-
6 822
-
total
11 510
-
11 213
-
Employer
42 588
-
41 643
-
health
327
-
321
-
pensions
7 389
-
7 224
-
accident
43
-
41
-
unemployment
277
-
270
-
total
8 036
-
7 856
-
Corporate
-
49 500
-
-
income
-
9 900
-
-
total
-
9 900
-
-
Dividends

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

-
29 700
-
-
municipal
-
5 346
-
-
national
-
160
-
-
total
-
5 506
-
-
Income
49 500
49 500
49 500
49 500
Total tax
19 546
15 406
19 069
11 539
After tax
29 954
34 094
30 431
37 961
Living cost
31 078
31 078
31 078
31 078
Free-cash
-1 124
3 016
-647
6 883

Estimated living cost  is ₽31078 per week

₽20300
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2989
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.
₽7295
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
-₽25257
-₽8463
-₽3360
-₽1637
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
-
-
-
49 500
communal

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

-
-
-
2 608
social contributions
-
-
-
6 023
national
-
-
-
14 715
total
-
-
-
23 346
Employee

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

57 902
-
38 340
-
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.

2 720
-
1 802
-
communal

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

3 020
-
2 000
-
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.

504
-
333
-
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.

4 343
-
2 876
-
national
17 801
-
10 279
-
total
28 388
-
17 290
-
Employer

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

57 902
-
38 340
-
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.

3 561
-
2 358
-
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.

5 131
-
3 396
-
surtax
6 565
-
4 347
-
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.

753
-
499
-
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.

845
-
559
-
total
16 855
-
11 159
-
Corporate
-
49 500
-
-
income
-
9 900
-
-
surtax
-
198
-
-
total
-
10 098
-
-
Dividends
-
39 402
-
-
withholding

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

-
11 525
-
-
total
-
11 525
-
-
Income
49 500
49 500
49 500
49 500
Total tax
45 243
21 623
28 449
23 346
After tax
4 257
27 877
21 051
26 154
Living cost
29 514
29 514
29 514
29 514
Free-cash
-25 257
-1 637
-8 463
-3 360

Estimated living cost  is ₽29514 per week

₽19011
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2581
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽462
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7461
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
-₽15869
-₽8474
-₽10233
-₽7881
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
-
-
-
49 500
unemployment
-
-
-
49
municipal
-
-
-
10 485
other
-
-
-
5 752
health
-
-
-
3 089
national
-
-
-
-
accident
-
-
-
99
pensions
-
-
-
5 351
total
-
-
-
24 825
Employee
49 740
-
37 665
-
national
-
-
-
-
municipal
14 832
-
11 232
-
total
14 832
-
11 232
-
Employer
49 740
-
37 665
-
health
3 059
-
2 316
-
pensions
5 377
-
4 072
-
accident
100
-
75
-
unemployment
1 313
-
994
-
other
5 780
-
4 377
-
total
15 629
-
11 834
-
Corporate
-
49 500
-
-
income
-
10 890
-
-
total
-
10 890
-
-
Dividends
-
38 610
-
-
withholding
-
11 583
-
-
total
-
11 583
-
-
Income
49 500
49 500
49 500
49 500
Total tax
30 461
22 473
23 066
24 825
After tax
19 039
27 027
26 434
24 675
Living cost
34 908
34 908
34 908
34 908
Free-cash
-15 869
-7 881
-8 474
-10 233

Estimated living cost  is ₽34908 per week

₽23135
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3425
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽530
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.
₽7817
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
-₽83087
-₽567
-₽4161
-₽8253
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
-
-
-
49 500
income
-
-
-
9 649
social contributions
-
-
-
5 643
total
-
-
-
15 292
Employee
55 015
-
-
-
income
12 135
-
-
-
social contributions
4 511
-
643
-
total
16 646
-
643
-
Employer
55 015
-
-
-
social contributions
77 572
-
11 055
-
total
77 572
-
11 055
-
Corporate
-
49 500
-
-
income
-
10 890
-
-
total
-
10 890
-
-
Dividends
-
38 610
-
-
income
-
8 494
-
-
total
-
8 494
-
-
Income
49 500
49 500
49 500
49 500
Total tax
94 218
19 384
11 698
15 292
After tax
-44 718
30 116
37 802
34 208
Living cost
38 369
38 369
38 369
38 369
Free-cash
-83 087
-8 253
-567
-4 161

Estimated living cost  is ₽38369 per week

₽24895
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3609
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽489
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.
₽9376
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
₽6802
₽7910
₽12148
₽4941
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
-
-
-
49 500
income
-
-
-
2 112
health
-
-
-
1 263
social contributions
-
-
-
7 722
total
-
-
-
11 097
Employee
62 244
62 244
62 244
-
health
619
1 058
763
-
income
6 536
5 762
6 281
-
social contributions
3 025
5 166
3 730
-
total
10 180
11 986
10 774
-
Employer
62 244
62 244
62 244
-
health
674
1 152
831
-
social contributions
3 025
5 166
3 730
-
total
3 699
6 318
4 561
-
Corporate
9 366
-
-
-
income
1 171
-
-
-
total
1 171
-
-
-
Dividends
8 196
-
-
-
withholding
1 393
-
-
-
total
1 393
-
-
-
Income
49 500
49 500
49 500
49 500
Total tax
16 443
18 304
15 335
11 097
After tax
33 057
31 196
34 165
38 403
Living cost
26 255
26 255
26 255
26 255
Free-cash
6 802
4 941
7 910
12 148

Estimated living cost  is ₽26255 per week

₽17948
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2051
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽441
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.
₽5816
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
₽3757
₽2980
₽8142
₽8154
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
-
-
-
49 500
income
-
-
-
9 269
pensions
-
-
-
3 155
total
-
-
-
12 424
Employee
39 716
-
44 053
-
health
518
-
607
-
pensions
3 031
-
3 553
-
income
7 233
-
7 979
-
total
10 782
-
12 139
-
Employer
39 716
-
44 053
-
health
755
-
837
-
pensions
4 013
-
4 610
-
total
4 768
-
5 447
-
Corporate
5 016
49 500
-
-
income

It is proposed for this rate to fall to 17% from the financial year starting on 1 April, 2020. Also, where the taxable profits can be attributed to the exploitation of patents, a lower rate of 10% applies.

954
9 405
-
-
total
954
9 405
-
-
Dividends
4 062
40 095
-
-
withholding
305
3 007
-
-
total
305
3 007
-
-
Income
49 500
49 500
49 500
49 500
Total tax
16 809
12 412
17 586
12 424
After tax
32 691
37 088
31 914
37 076
Living cost
28 934
28 934
28 934
28 934
Free-cash
3 757
8 154
2 980
8 142

Estimated living cost  is ₽28934 per week

₽19849
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2661
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽362
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6061
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
-₽18711
-₽8336
-₽5587
-₽6174
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
-
-
-
49 500
municipal
-
-
-
330
regional
-
-
-
773
social contributions
-
-
-
12 731
national
-
-
-
9 006
total
-
-
-
22 840
Employee
68 211
-
49 500
-
social contributions
23 000
-
16 691
-
regional
1 030
-
666
-
national
11 527
-
7 937
-
municipal
407
-
295
-
total
35 964
-
25 589
-
Employer
68 211
-
49 500
-
total
-
-
-
-
Corporate
-
49 500
-
-
nationa
-
11 880
-
-
municipal
-
2 386
-
-
total
-
14 266
-
-
Dividends
-
35 234
-
-
withholding
-
9 161
-
-
total
-
9 161
-
-
Income
49 500
49 500
49 500
49 500
Total tax
35 964
23 427
25 589
22 840
After tax
13 536
26 073
23 911
26 660
Living cost
32 247
32 247
32 247
32 247
Free-cash
-18 711
-6 174
-8 336
-5 587

Estimated living cost  is ₽32247 per week

₽22652
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2218
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽487
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.
₽6889
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
₽1381
₽8655
₽17013
-₽13131
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
-
-
-
49 500
pensions
-
-
-
3 242
income
-
-
-
9 919
other
-
-
-
289
health
-
-
-
1 699
accident
-
-
-
197
total
-
-
-
15 346
Employee
26 964
-
41 120
-
health
3 087
-
4 708
-
pensions
3 036
-
4 630
-
income
3 699
-
5 986
-
total
9 822
-
15 324
-
Employer
26 964
-
41 120
-
pensions
4 384
-
6 686
-
accident
450
-
687
-
unemployment
661
-
1 007
-
total
5 495
-
8 380
-
Corporate
17 041
49 500
-
-
income

From 1 January 2017, a lowered corporate income tax rate of 9% was introduced for so-called 'small taxpayers' - entities with turnover not exceeding the equivalent of €1.2 million and for taxpayers starting business activity, during their previous tax year.

15 337
44 550
-
-
total
15 337
44 550
-
-
Dividends
1 704
4 950
-
-
withholding
324
940
-
-
total
324
940
-
-
Income
49 500
49 500
49 500
49 500
Total tax
30 978
45 490
23 704
15 346
After tax
18 522
4 010
25 796
34 154
Living cost
17 141
17 141
17 141
17 141
Free-cash
1 381
-13 131
8 655
17 013

Estimated living cost  is ₽17141 per week

₽12563
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽950
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽358
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.
₽3271
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
₽4966
₽6413
₽4711
-₽5624
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.

-
-
-
49 500
trade
-
-
-
1 702
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.

-
-
-
5 977
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.

-
-
-
5 530
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.

-
-
-
329
total
-
-
-
13 538
Employee

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

40 276
-
49 500
-
health

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

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

5 530
-
5 530
-
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.

3 312
-
5 977
-
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.

183
-
329
-
total
9 025
-
11 836
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
9 224
49 500
-
-
income
1 384
7 426
-
-
trade
1 324
7 103
-
-
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.

77
409
-
-
chamber of commerce
137
195
-
-
total
2 922
15 133
-
-
Dividends
6 302
34 368
-
-
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.

69
456
-
-
withholding
1 267
8 284
-
-
total
1 336
8 740
-
-
Income
49 500
49 500
49 500
49 500
Total tax
13 283
23 873
11 836
13 538
After tax
36 217
25 627
37 664
35 962
Living cost
31 251
31 251
31 251
31 251
Free-cash
4 966
-5 624
6 413
4 711

Estimated living cost  is ₽31251 per week

₽21558
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3363
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽453
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.
₽5877
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
₽16122
₽11419
₽22686
₽22760
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.

-
-
-
49 500
income
-
-
-
-
microenterprise
-
-
-
7 426
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.

-
-
-
2 548
surtax
-
-
-
-
total
-
-
-
9 974
Employee
23 653
-
39 890
-
income
4 210
-
7 244
-
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.

2 602
-
4 387
-
surtax
-
-
-
-
total
6 812
-
11 631
-
Employer
23 653
-
39 890
-
social contributions

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

5 697
-
9 610
-
surtax
-
-
-
-
total
5 697
-
9 610
-
Corporate
20 150
49 500
-
-
income

Corporate income tax rate is 20% applicable to the taxable base. However, before applying the statutory rate, the taxable base should be divided by a coefficient of 0.8. As taxable base is increased by the coefficient, the effective corporate income tax rate is 25%.

4 029
9 900
-
-
total
4 029
9 900
-
-
Dividends

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

16 120
39 600
-
-
total
-
-
-
-
Income
49 500
49 500
49 500
49 500
Total tax
16 538
9 900
21 241
9 974
After tax
32 962
39 600
28 259
39 526
Living cost
16 840
16 840
16 840
16 840
Free-cash
16 122
22 760
11 419
22 686

Estimated living cost  is ₽16840 per week

₽10744
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1604
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.
₽4111
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
₽19317
₽15690
₽16399
₽20949
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
-
-
-
49 500
income
-
-
-
10 656
health
-
-
-
5 256
pensions
-
-
-
7 250
total
-
-
-
23 162
Employee
15 139
-
41 344
-
health
757
-
1 813
-
unemployment
151
-
363
-
pensions
1 362
-
3 263
-
income
2 929
-
10 275
-
total
5 199
-
15 714
-
Employer
15 139
-
41 344
-
health
1 438
-
3 444
-
pensions
1 665
-
3 988
-
unemployment
303
-
725
-
total
3 406
-
8 157
-
Corporate
30 955
49 500
-
-
income
6 810
10 890
-
-
total
6 810
10 890
-
-
Dividends
24 145
38 610
-
-
withholding
4 829
7 722
-
-
total
4 829
7 722
-
-
Income
49 500
49 500
49 500
49 500
Total tax
20 244
18 612
23 871
23 162
After tax
29 256
30 888
25 629
26 338
Living cost
9 939
9 939
9 939
9 939
Free-cash
19 317
20 949
15 690
16 399

Estimated living cost  is ₽9939 per week

₽5907
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽806
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽228
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.
₽2999
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
₽10379
₽8471
₽9544
₽12953
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
-
-
-
49 500
pensions
-
-
-
9 900
unemployment
-
-
-
184
income
-
-
-
7 647
other
-
-
-
-
health
-
-
-
3 513
surtax
-
-
-
530
total
-
-
-
21 774
Employee
27 260
-
40 892
-
health
696
-
1 041
-
unemployment
1 897
-
2 846
-
pensions
1 819
-
2 728
-
income
4 570
-
7 175
-
other
-
-
-
-
surtax
97
-
449
-
total
9 079
-
14 239
-
Employer
27 260
-
40 892
-
health
1 240
-
1 862
-
pensions
3 634
-
5 450
-
unemployment
865
-
1 296
-
other
-
-
-
-
total
5 739
-
8 608
-
Corporate
16 501
49 500
-
-
income
4 290
12 870
-
-
total
4 290
12 870
-
-
Dividends
12 211
36 630
-
-
withholding
1 831
5 495
-
-
total
1 831
5 495
-
-
Income
49 500
49 500
49 500
49 500
Total tax
20 939
18 365
22 847
21 774
After tax
28 561
31 135
26 653
27 726
Living cost
18 182
18 182
18 182
18 182
Free-cash
10 379
12 953
8 471
9 544

Estimated living cost  is ₽18182 per week

₽10977
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1581
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.
₽5203
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
₽2140
-₽7219
₽1500
₽2538
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
-
-
-
49 500
pensions
-
-
-
9 157
chamber of commerce
-
-
-
198
unemployment
-
-
-
4 965