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
₽ 61500
per

Your estimated
City
free-cash

Valencia , Spain
₽14982
₽11136
₽10700
₽19228
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
-
-
-
61 500
unemployment
-
-
-
430
income
-
-
-
10 098
other
-
-
-
61
accident
-
-
-
553
pensions
-
-
-
17 404
total
-
-
-
28 546
Employee
29 923
-
46 633
-
unemployment
464
-
723
-
pensions
1 407
-
2 191
-
income
5 769
-
10 284
-
other
29
-
46
-
total
7 669
-
13 244
-
Employer
29 923
-
46 633
-
pensions
7 061
-
11 005
-
accident
593
-
923
-
unemployment
1 646
-
2 565
-
other
240
-
373
-
total
9 540
-
14 866
-
Corporate
22 037
61 500
-
-
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.

3 305
9 225
-
-
total
3 305
9 225
-
-
Dividends
18 732
52 275
-
-
withholding
3 750
10 793
-
-
total
3 750
10 793
-
-
Income
61 500
61 500
61 500
61 500
Total tax
24 264
20 018
28 110
28 546
After tax
37 236
41 482
33 390
32 954
Living cost
22 254
22 254
22 254
22 254
Free-cash
14 982
19 228
11 136
10 700

Estimated living cost  is ₽22254 per week

₽15021
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2139
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.
₽4704
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
₽18155
₽14485
₽11738
₽23620
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
-
-
-
61 500
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.

-
-
-
14 760
income
-
-
-
7 812
other
-
-
-
2 921
health
-
-
-
2 706
total
-
-
-
28 199
Employee
29 383
-
49 121
-
health
412
-
688
-
unemployment
293
-
491
-
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.

2 056
-
3 438
-
income
5 059
-
8 456
-
total
7 820
-
13 073
-
Employer
29 383
-
49 121
-
health
412
-
688
-
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.

4 996
-
8 351
-
accident
235
-
393
-
unemployment
293
-
491
-
other
1 470
-
2 456
-
total
7 406
-
12 379
-
Corporate
24 712
61 500
-
-
income
5 189
12 915
-
-
total
5 189
12 915
-
-
Dividends
19 523
48 585
-
-
withholding
1 367
3 402
-
-
total
1 367
3 402
-
-
Income
61 500
61 500
61 500
61 500
Total tax
21 782
16 317
25 452
28 199
After tax
39 718
45 183
36 048
33 301
Living cost
21 563
21 563
21 563
21 563
Free-cash
18 155
23 620
14 485
11 738

Estimated living cost  is ₽21563 per week

₽15236
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.
₽4524
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Varna , Bulgaria
₽38198
₽35633
₽34098
₽41960
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
-
-
-
61 500
pensions

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

-
-
-
4 188
unemployment
-
-
-
113
income
-
-
-
9 225
health
-
-
-
3 254
total
-
-
-
16 780
Employee
14 065
-
55 948
-
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
1 406
-
5 595
-
total
3 443
-
9 693
-
Employer
14 065
-
55 948
-
health
971
-
1 953
-
pensions

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

1 550
-
3 118
-
accident

We are using the highest rate at 1.1%.

155
-
311
-
unemployment
84
-
170
-
total
2 760
-
5 552
-
Corporate
44 675
61 500
-
-
income
4 467
6 150
-
-
total
4 467
6 150
-
-
Dividends
40 207
55 350
-
-
withholding
2 010
2 768
-
-
total
2 010
2 768
-
-
Income
61 500
61 500
61 500
61 500
Total tax
12 680
8 918
15 245
16 780
After tax
48 820
52 582
46 255
44 720
Living cost
10 622
10 622
10 622
10 622
Free-cash
38 198
41 960
35 633
34 098

Estimated living cost  is ₽10622 per week

₽6201
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.
₽3381
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
₽8091
₽9021
₽8830
₽3308
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
-
-
-
61 500
income
-
-
-
3 503
other
-
-
-
1 906
health
-
-
-
531
social contributions
-
-
-
1 752
pensions
-
-
-
17 291
surtax
-
-
-
-
total
-
-
-
24 983
Employee
34 635
-
46 863
-
pensions
3 916
-
5 300
-
income
2 044
-
3 521
-
social contributions
987
-
1 336
-
surtax
-
-
-
-
total
6 947
-
10 157
-
Employer
34 635
-
46 863
-
health
2 425
-
3 280
-
social contributions
104
-
141
-
pensions
5 690
-
7 699
-
unemployment
1 402
-
1 898
-
other
1 195
-
1 617
-
total
10 816
-
14 635
-
Corporate
16 049
61 500
-
-
income
4 493
17 220
-
-
surtax
-
-
-
-
total
4 493
17 220
-
-
Dividends
11 556
44 280
-
-
social contributions
1 987
7 617
-
-
surtax
-
-
-
-
withholding
1 479
5 668
-
-
total
3 466
13 285
-
-
Income
61 500
61 500
61 500
61 500
Total tax
25 722
30 505
24 792
24 983
After tax
35 778
30 995
36 708
36 517
Living cost
27 687
27 687
27 687
27 687
Free-cash
8 091
3 308
9 021
8 830

Estimated living cost  is ₽27687 per week

₽17458
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2251
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽471
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7508
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
-₽18861
-₽18861
₽1117
-₽14318
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
-
-
-
61 500
pensions
-
-
-
9 481
income
-
-
-
8 412
health
-
-
-
8 589
total
-
-
-
26 482
Employee
69 107
69 107
69 107
-
health
10 607
9 022
10 607
-
pensions
12 439
9 481
12 439
-
income

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

11 312
11 312
11 312
-
total
34 358
29 815
34 358
-
Employer
69 107
69 107
69 107
-
health
4 804
4 804
4 804
-
pensions
4 810
4 810
4 810
-
unemployment
2 488
2 488
2 488
-
total
12 102
12 102
12 102
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
61 500
61 500
61 500
61 500
Total tax
46 460
41 917
46 460
26 482
After tax
15 040
19 583
15 040
35 018
Living cost
33 901
33 901
33 901
33 901
Free-cash
-18 861
-14 318
-18 861
1 117

Estimated living cost  is ₽33901 per week

₽24025
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3056
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.
₽6281
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
₽15588
₽21116
₽17355
₽6639
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.

-
-
-
61 500
trade
-
-
-
3 761
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.

-
-
-
9 804
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.

-
-
-
5 529
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.

-
-
-
539
total
-
-
-
19 633
Employee

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

30 952
-
61 500
-
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.

5 529
-
5 529
-
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
-
9 804
-
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
-
539
-
total
6 442
-
15 872
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
30 548
61 500
-
-
income
4 583
9 225
-
-
trade
4 811
9 686
-
-
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.

252
507
-
-
chamber of commerce
167
212
-
-
total
9 813
19 630
-
-
Dividends
20 734
41 871
-
-
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.

269
559
-
-
withholding
4 876
10 160
-
-
total
5 145
10 719
-
-
Income
61 500
61 500
61 500
61 500
Total tax
21 400
30 349
15 872
19 633
After tax
40 100
31 151
45 628
41 867
Living cost
24 512
24 512
24 512
24 512
Free-cash
15 588
6 639
21 116
17 355

Estimated living cost  is ₽24512 per week

₽15419
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2858
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.
₽5777
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
₽21988
₽25560
₽27156
₽24464
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
-
-
-
61 500
income
-
-
-
4 446
health
-
-
-
1 568
social contributions
-
-
-
9 594
total
-
-
-
15 608
Employee
62 228
62 228
62 228
-
health
482
1 058
949
-
income
6 776
5 760
5 951
-
social contributions
2 353
5 165
4 635
-
total
9 611
11 983
11 535
-
Employer
62 228
62 228
62 228
-
health
524
1 152
1 034
-
social contributions
2 353
5 165
4 635
-
total
2 877
6 317
5 669
-
Corporate
30 277
-
-
-
income
3 784
-
-
-
total
3 784
-
-
-
Dividends
26 493
-
-
-
withholding
4 504
-
-
-
total
4 504
-
-
-
Income
61 500
61 500
61 500
61 500
Total tax
20 776
18 300
17 204
15 608
After tax
40 724
43 200
44 296
45 892
Living cost
18 736
18 736
18 736
18 736
Free-cash
21 988
24 464
25 560
27 156

Estimated living cost  is ₽18736 per week

₽11229
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1838
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.
₽5255
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
₽8783
₽7101
₽9520
₽9598
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.

-
-
-
61 500
income
-
-
-
5 225
social contributions

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

-
-
-
21 371
surtax
-
-
-
-
total
-
-
-
26 596
Employee
37 219
-
49 697
-
income
7 742
-
11 745
-
social contributions
4 094
-
5 467
-
surtax
-
-
-
-
total
11 836
-
17 212
-
Employer
37 219
-
49 697
-
social contributions
8 840
-
11 803
-
total
8 840
-
11 803
-
Corporate
15 441
61 500
-
-
income
3 242
12 915
-
-
surtax
-
-
-
-
total
3 242
12 915
-
-
Dividends
12 199
48 585
-
-
withholding
3 415
13 603
-
-
total
3 415
13 603
-
-
Income
61 500
61 500
61 500
61 500
Total tax
27 333
26 518
29 015
26 596
After tax
34 167
34 982
32 485
34 904
Living cost
25 384
25 384
25 384
25 384
Free-cash
8 783
9 598
7 101
9 520

Estimated living cost  is ₽25384 per week

₽18992
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1497
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.
₽4470
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
₽51244
₽43153
₽54838
₽52378
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%.

-
-
-
61 500
microenterprise

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

-
-
-
615
total
-
-
-
615
Employee
7 559
-
61 500
-
income
1 512
-
12 300
-
total
1 512
-
12 300
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

53 941
61 500
-
-
total
-
-
-
-
Dividends
53 941
61 500
-
-
withholding
2 697
3 075
-
-
total
2 697
3 075
-
-
Income
61 500
61 500
61 500
61 500
Total tax
4 209
3 075
12 300
615
After tax
57 291
58 425
49 200
60 885
Living cost
6 047
6 047
6 047
6 047
Free-cash
51 244
52 378
43 153
54 838

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
₽13868
₽9202
₽10964
₽20636
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.

-
-
-
61 500
pensions
-
-
-
11 232
unemployment
-
-
-
92
income
-
-
-
11 454
health
-
-
-
6 052
total
-
-
-
28 830
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.

35 785
-
53 213
-
health
2 311
-
3 438
-
unemployment
51
-
75
-
pensions
5 547
-
8 248
-
income
6 171
-
10 545
-
total
14 080
-
22 306
-
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.

35 785
-
53 213
-
health
2 383
-
3 544
-
pensions
3 167
-
4 710
-
unemployment
21
-
32
-
total
5 571
-
8 286
-
Corporate
20 143
61 500
-
-
income
3 827
11 685
-
-
total
3 827
11 685
-
-
Dividends
16 316
49 815
-
-
withholding
2 448
7 473
-
-
total
2 448
7 473
-
-
Income
61 500
61 500
61 500
61 500
Total tax
25 926
19 158
30 592
28 830
After tax
35 574
42 342
30 908
32 670
Living cost
21 706
21 706
21 706
21 706
Free-cash
13 868
20 636
9 202
10 964

Estimated living cost  is ₽21706 per week

₽14896
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1391
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.
₽4999
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
₽11012
₽15487
₽3963
₽6324
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.

-
-
-
61 500
income
-
-
-
23 036
health

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

-
-
-
5 125
total
-
-
-
28 161
Employee
37 124
-
57 777
-
social contributions
3 719
-
3 723
-
income
4 028
-
9 191
-
total
7 747
-
12 914
-
Employer
37 124
-
57 777
-
social contributions
3 719
-
3 723
-
total
3 719
-
3 723
-
Corporate
20 657
61 500
-
-
income
7 230
21 525
-
-
total
7 230
21 525
-
-
Dividends
13 427
39 975
-
-
social contributions
2 416
4 275
-
-
total
2 416
4 275
-
-
Income
61 500
61 500
61 500
61 500
Total tax
21 112
25 800
16 637
28 161
After tax
40 388
35 700
44 863
33 339
Living cost
29 376
29 376
29 376
29 376
Free-cash
11 012
6 324
15 487
3 963

Estimated living cost  is ₽29376 per week

₽19350
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.
₽7259
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
₽20780
₽23450
₽22337
₽20361
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
-
-
-
61 500
income
-
-
-
9 225
health
-
-
-
4 292
social contributions
-
-
-
8 486
total
-
-
-
22 003
Employee
27 438
-
61 500
-
health
1 915
-
4 292
-
income
4 576
-
8 112
-
social contributions
3 787
-
8 486
-
total
10 278
-
20 890
-
Employer
27 438
-
61 500
-
total
-
-
-
-
Corporate
34 062
61 500
-
-
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%.

1 703
3 074
-
-
total
1 703
3 074
-
-
Dividends
32 358
58 426
-
-
social contributions
4 466
8 062
-
-
withholding
4 854
8 764
-
-
health
2 259
4 079
-
-
total
11 579
20 905
-
-
Income
61 500
61 500
61 500
61 500
Total tax
23 560
23 979
20 890
22 003
After tax
37 940
37 521
40 610
39 497
Living cost
17 160
17 160
17 160
17 160
Free-cash
20 780
20 361
23 450
22 337

Estimated living cost  is ₽17160 per week

₽11484
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.
₽4222
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
₽11672
₽8603
₽7348
₽19737
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
-
-
-
61 500
income
-
-
-
5 286
health
-
-
-
8 302
social contributions
-
-
-
17 958
solidarity contribution
-
-
-
-
total
-
-
-
31 546
Employee
33 244
-
45 895
-
health
4 488
-
6 196
-
solidarity contribution
-
-
-
-
income
3 989
-
5 507
-
social contributions
2 161
-
2 983
-
total
10 638
-
14 686
-
Employer
33 244
-
45 895
-
health
2 992
-
4 131
-
social contributions
8 311
-
11 474
-
total
11 303
-
15 605
-
Corporate
16 953
61 500
-
-
income
3 221
11 685
-
-
total
3 221
11 685
-
-
Dividends
13 732
49 815
-
-
withholding
2 060
7 472
-
-
total
2 060
7 472
-
-
Income
61 500
61 500
61 500
61 500
Total tax
27 222
19 157
30 291
31 546
After tax
34 278
42 343
31 209
29 954
Living cost
22 606
22 606
22 606
22 606
Free-cash
11 672
19 737
8 603
7 348

Estimated living cost  is ₽22606 per week

₽16811
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1252
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.
₽4151
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
₽47234
₽39776
₽51461
₽49001
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%.

-
-
-
61 500
microenterprise

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

-
-
-
615
total
-
-
-
615
Employee
11 780
-
61 500
-
income
2 356
-
12 300
-
total
2 356
-
12 300
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

49 720
61 500
-
-
total
-
-
-
-
Dividends
49 720
61 500
-
-
withholding
2 486
3 075
-
-
total
2 486
3 075
-
-
Income
61 500
61 500
61 500
61 500
Total tax
4 842
3 075
12 300
615
After tax
56 658
58 425
49 200
60 885
Living cost
9 424
9 424
9 424
9 424
Free-cash
47 234
49 001
39 776
51 461

Estimated living cost  is ₽9424 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
-₽5014
-₽2378
-₽2569
-₽8091
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
-
-
-
61 500
income
-
-
-
3 503
other
-
-
-
1 906
health
-
-
-
531
social contributions
-
-
-
1 752
pensions
-
-
-
17 291
surtax
-
-
-
-
total
-
-
-
24 983
Employee
50 685
-
46 863
-
pensions
5 733
-
5 300
-
income
4 422
-
3 521
-
social contributions
1 444
-
1 336
-
surtax
-
-
-
-
total
11 599
-
10 157
-
Employer
50 685
-
46 863
-
health
3 547
-
3 280
-
social contributions
152
-
141
-
pensions
8 328
-
7 699
-
unemployment
2 053
-
1 898
-
other
1 749
-
1 617
-
total
15 829
-
14 635
-
Corporate
-
61 500
-
-
income
-
17 220
-
-
surtax
-
-
-
-
total
-
17 220
-
-
Dividends
-
44 280
-
-
social contributions
-
7 617
-
-
surtax
-
-
-
-
withholding
-
5 668
-
-
total
-
13 285
-
-
Income
61 500
61 500
61 500
61 500
Total tax
27 428
30 505
24 792
24 983
After tax
34 072
30 995
36 708
36 517
Living cost
39 086
39 086
39 086
39 086
Free-cash
-5 014
-8 091
-2 378
-2 569

Estimated living cost  is ₽39086 per week

₽26453
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3197
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.
₽8899
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
₽26523
₽18103
₽16277
₽30490
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.

-
-
-
61 500
pensions
-
-
-
15 493
unemployment
-
-
-
894
income
-
-
-
8 754
health
-
-
-
6 138
total
-
-
-
31 279
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.

21 027
-
52 163
-
health
1 083
-
2 686
-
unemployment
158
-
391
-
pensions
2 944
-
7 303
-
income
2 898
-
9 736
-
total
7 083
-
20 116
-
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.

21 027
-
52 163
-
health
1 083
-
2 686
-
pensions
2 523
-
6 260
-
unemployment
158
-
391
-
total
3 764
-
9 337
-
Corporate
36 709
61 500
-
-
income
5 506
9 225
-
-
total
5 506
9 225
-
-
Dividends
31 203
52 275
-
-
withholding
4 680
7 841
-
-
total
4 680
7 841
-
-
Income
61 500
61 500
61 500
61 500
Total tax
21 033
17 066
29 453
31 279
After tax
40 467
44 434
32 047
30 221
Living cost
13 944
13 944
13 944
13 944
Free-cash
26 523
30 490
18 103
16 277

Estimated living cost  is ₽13944 per week

₽9389
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.
₽403
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.
₽3073
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
-₽10696
-₽7811
-₽4667
-₽28204
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
-
-
-
61 500
pensions
-
-
-
5 658
city
-
-
-
648
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.

-
-
-
1 230
health
-
-
-
184
regional
-
-
-
1 853
national
-
-
-
267
total
-
-
-
9 840
Employee
65 917
-
55 045
-
health
149
-
124
-
unemployment
-
-
-
-
city
707
-
592
-
pensions
5 538
-
4 624
-
regional
2 158
-
1 570
-
national
312
-
225
-
total
8 864
-
7 135
-
Employer
65 917
-
55 045
-
health
149
-
124
-
pensions
5 538
-
4 624
-
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
-
1 101
-
total
7 005
-
5 849
-
Corporate
-
61 500
-
-
regional
-
13 007
-
-
national
-
5 227
-
-
total
-
18 234
-
-
Dividends
-
43 266
-
-
withholding
-
15 143
-
-
total
-
15 143
-
-
Income
61 500
61 500
61 500
61 500
Total tax
15 869
33 377
12 984
9 840
After tax
45 631
28 123
48 516
51 660
Living cost
56 327
56 327
56 327
56 327
Free-cash
-10 696
-28 204
-7 811
-4 667

Estimated living cost  is ₽56327 per week

₽36629
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5055
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.
₽13952
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
₽7537
₽5553
₽14540
₽10897
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

-
-
-
61 500
municipal
-
-
-
10 960
health
-
-
-
610
national
-
-
-
4 321
total
-
-
-
15 891
Employee
42 576
-
51 737
-
health
318
-
459
-
unemployment
639
-
776
-
pensions
2 873
-
3 492
-
national
703
-
1 927
-
municipal
6 974
-
8 462
-
total
11 507
-
15 116
-
Employer
42 576
-
51 737
-
health
327
-
398
-
pensions
7 387
-
8 976
-
accident
43
-
52
-
unemployment
276
-
336
-
total
8 033
-
9 762
-
Corporate
10 890
61 500
-
-
income
2 178
12 299
-
-
total
2 178
12 299
-
-
Dividends

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

6 534
36 900
-
-
municipal
1 176
6 642
-
-
national
-
593
-
-
total
1 176
7 235
-
-
Income
61 500
61 500
61 500
61 500
Total tax
22 894
19 534
24 878
15 891
After tax
38 606
41 966
36 622
45 609
Living cost
31 069
31 069
31 069
31 069
Free-cash
7 537
10 897
5 553
14 540

Estimated living cost  is ₽31069 per week

₽20294
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2988
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽494
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7293
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
-₽13237
-₽4370
₽1290
₽5058
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
-
-
-
61 500
communal

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

-
-
-
3 177
social contributions
-
-
-
8 545
national
-
-
-
18 982
total
-
-
-
30 704
Employee

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

57 886
-
47 633
-
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
-
2 239
-
communal

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

3 019
-
2 485
-
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
-
415
-
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.

4 341
-
3 572
-
national
17 797
-
13 785
-
total
28 381
-
22 496
-
Employer

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

57 886
-
47 633
-
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.

3 560
-
2 930
-
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.

5 129
-
4 220
-
surtax
6 564
-
5 403
-
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.

752
-
619
-
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
-
696
-
total
16 850
-
13 868
-
Corporate
-
61 500
-
-
income
-
12 299
-
-
surtax
-
246
-
-
total
-
12 545
-
-
Dividends
-
48 955
-
-
withholding

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

-
14 391
-
-
total
-
14 391
-
-
Income
61 500
61 500
61 500
61 500
Total tax
45 231
26 936
36 364
30 704
After tax
16 269
34 564
25 136
30 796
Living cost
29 506
29 506
29 506
29 506
Free-cash
-13 237
5 058
-4 370
1 290

Estimated living cost  is ₽29506 per week

₽19006
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2580
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.
₽7459
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
-₽3845
-₽2054
-₽4238
-₽1316
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
-
-
-
61 500
unemployment
-
-
-
62
municipal
-
-
-
13 026
other
-
-
-
7 146
health
-
-
-
3 838
national
-
-
-
-
accident
-
-
-
123
pensions
-
-
-
6 648
total
-
-
-
30 843
Employee
49 722
-
46 797
-
national
-
-
-
-
municipal
14 827
-
13 955
-
total
14 827
-
13 955
-
Employer
49 722
-
46 797
-
health
3 058
-
2 878
-
pensions
5 375
-
5 059
-
accident
99
-
94
-
unemployment
1 313
-
1 235
-
other
5 778
-
5 438
-
total
15 623
-
14 704
-
Corporate
-
61 500
-
-
income
-
13 530
-
-
total
-
13 530
-
-
Dividends
-
47 970
-
-
withholding
-
14 391
-
-
total
-
14 391
-
-
Income
61 500
61 500
61 500
61 500
Total tax
30 450
27 921
28 659
30 843
After tax
31 050
33 579
32 841
30 657
Living cost
34 895
34 895
34 895
34 895
Free-cash
-3 845
-1 316
-2 054
-4 238

Estimated living cost  is ₽34895 per week

₽23127
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3424
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.
₽7814
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
-₽71102
₽11428
₽4128
-₽956
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
-
-
-
61 500
income
-
-
-
11 988
social contributions
-
-
-
7 011
total
-
-
-
18 999
Employee
55 021
-
-
-
income
12 137
-
-
-
social contributions
4 512
-
643
-
total
16 649
-
643
-
Employer
55 021
-
-
-
social contributions
77 580
-
11 056
-
total
77 580
-
11 056
-
Corporate
-
61 500
-
-
income
-
13 530
-
-
total
-
13 530
-
-
Dividends
-
47 970
-
-
income
-
10 553
-
-
total
-
10 553
-
-
Income
61 500
61 500
61 500
61 500
Total tax
94 229
24 083
11 699
18 999
After tax
-32 729
37 417
49 801
42 501
Living cost
38 373
38 373
38 373
38 373
Free-cash
-71 102
-956
11 428
4 128

Estimated living cost  is ₽38373 per week

₽24898
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.
₽9377
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
₽15525
₽18048
₽19644
₽16952
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
-
-
-
61 500
income
-
-
-
4 446
health
-
-
-
1 568
social contributions
-
-
-
9 594
total
-
-
-
15 608
Employee
62 228
62 228
62 228
-
health
619
1 058
949
-
income
6 534
5 760
5 951
-
social contributions
3 024
5 165
4 635
-
total
10 177
11 983
11 535
-
Employer
62 228
62 228
62 228
-
health
674
1 152
1 034
-
social contributions
3 024
5 165
4 635
-
total
3 698
6 317
5 669
-
Corporate
21 377
-
-
-
income
2 672
-
-
-
total
2 672
-
-
-
Dividends
18 705
-
-
-
withholding
3 180
-
-
-
total
3 180
-
-
-
Income
61 500
61 500
61 500
61 500
Total tax
19 727
18 300
17 204
15 608
After tax
41 773
43 200
44 296
45 892
Living cost
26 248
26 248
26 248
26 248
Free-cash
15 525
16 952
18 048
19 644

Estimated living cost  is ₽26248 per week

₽17943
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2050
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.
₽5814
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
₽12763
₽10123
₽16887
₽17155
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
-
-
-
61 500
income
-
-
-
11 454
pensions
-
-
-
4 236
total
-
-
-
15 690
Employee
39 701
-
54 425
-
health
518
-
820
-
pensions
3 030
-
4 798
-
income
7 230
-
9 761
-
total
10 778
-
15 379
-
Employer
39 701
-
54 425
-
health
755
-
1 034
-
pensions
4 011
-
6 041
-
total
4 766
-
7 075
-
Corporate
17 034
61 500
-
-
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.

3 236
11 685
-
-
total
3 236
11 685
-
-
Dividends
13 798
49 815
-
-
withholding
1 034
3 737
-
-
total
1 034
3 737
-
-
Income
61 500
61 500
61 500
61 500
Total tax
19 814
15 422
22 454
15 690
After tax
41 686
46 078
39 046
45 810
Living cost
28 923
28 923
28 923
28 923
Free-cash
12 763
17 155
10 123
16 887

Estimated living cost  is ₽28923 per week

₽19841
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2660
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.
₽6059
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
-₽6694
-₽2811
₽273
₽156
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
-
-
-
61 500
municipal
-
-
-
412
regional
-
-
-
1 050
social contributions
-
-
-
15 818
national
-
-
-
11 708
total
-
-
-
28 988
Employee
68 193
-
61 500
-
social contributions
22 994
-
20 738
-
regional
1 030
-
882
-
national
11 524
-
10 085
-
municipal
407
-
367
-
total
35 955
-
32 072
-
Employer
68 193
-
61 500
-
total
-
-
-
-
Corporate
-
61 500
-
-
nationa
-
14 760
-
-
municipal
-
2 964
-
-
total
-
17 724
-
-
Dividends
-
43 776
-
-
withholding
-
11 381
-
-
total
-
11 381
-
-
Income
61 500
61 500
61 500
61 500
Total tax
35 955
29 105
32 072
28 988
After tax
25 545
32 395
29 428
32 512
Living cost
32 239
32 239
32 239
32 239
Free-cash
-6 694
156
-2 811
273

Estimated living cost  is ₽32239 per week

₽22646
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.
₽6888
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
₽2352
₽13896
₽25176
-₽12157
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
-
-
-
61 500
pensions
-
-
-
3 241
income
-
-
-
13 760
other
-
-
-
289
health
-
-
-
1 699
accident
-
-
-
197
total
-
-
-
19 186
Employee
26 959
-
51 089
-
health
3 087
-
5 850
-
pensions
3 036
-
5 752
-
income
3 699
-
8 452
-
total
9 822
-
20 054
-
Employer
26 959
-
51 089
-
pensions
4 384
-
8 307
-
accident
450
-
853
-
unemployment
660
-
1 252
-
total
5 494
-
10 412
-
Corporate
29 047
61 500
-
-
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.

26 142
55 350
-
-
total
26 142
55 350
-
-
Dividends
2 905
6 150
-
-
withholding
552
1 169
-
-
total
552
1 169
-
-
Income
61 500
61 500
61 500
61 500
Total tax
42 010
56 519
30 466
19 186
After tax
19 490
4 981
31 034
42 314
Living cost
17 138
17 138
17 138
17 138
Free-cash
2 352
-12 157
13 896
25 176

Estimated living cost  is ₽17138 per week

₽12561
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.
₽3270
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
₽11127
₽14385
₽10959
₽540
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.

-
-
-
61 500
trade
-
-
-
3 426
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.

-
-
-
9 804
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.

-
-
-
5 529
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.

-
-
-
539
total
-
-
-
19 298
Employee

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

40 265
-
61 500
-
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.

5 529
-
5 529
-
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.

3 311
-
9 804
-
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
-
539
-
total
9 023
-
15 872
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
21 235
61 500
-
-
income
3 185
9 225
-
-
trade
3 047
8 826
-
-
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.

175
507
-
-
chamber of commerce
154
213
-
-
total
6 561
18 771
-
-
Dividends
14 674
42 729
-
-
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.

184
571
-
-
withholding
3 362
10 375
-
-
total
3 546
10 946
-
-
Income
61 500
61 500
61 500
61 500
Total tax
19 130
29 717
15 872
19 298
After tax
42 370
31 783
45 628
42 202
Living cost
31 243
31 243
31 243
31 243
Free-cash
11 127
540
14 385
10 959

Estimated living cost  is ₽31243 per week

₽21552
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3362
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.
₽5876
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
₽25726
₽18050
₽16216
₽32365
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.

-
-
-
61 500
income
-
-
-
8 676
microenterprise
-
-
-
-
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.

-
-
-
19 772
surtax
-
-
-
-
total
-
-
-
28 448
Employee
23 647
-
49 561
-
income
4 209
-
9 223
-
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.

2 601
-
5 452
-
surtax
-
-
-
-
total
6 810
-
14 675
-
Employer
23 647
-
49 561
-
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.

5 696
-
11 939
-
surtax
-
-
-
-
total
5 696
-
11 939
-
Corporate
32 157
61 500
-
-
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%.

6 432
12 299
-
-
total
6 432
12 299
-
-
Dividends

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

25 726
49 201
-
-
total
-
-
-
-
Income
61 500
61 500
61 500
61 500
Total tax
18 938
12 299
26 614
28 448
After tax
42 562
49 201
34 886
33 052
Living cost
16 836
16 836
16 836
16 836
Free-cash
25 726
32 365
18 050
16 216

Estimated living cost  is ₽16836 per week

₽10741
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1603
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽382
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4110
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
₽26806
₽23493
₽24199
₽28437
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
-
-
-
61 500
income
-
-
-
14 856
health
-
-
-
5 256
pensions
-
-
-
7 250
total
-
-
-
27 362
Employee
15 138
-
53 344
-
health
757
-
1 812
-
unemployment
151
-
363
-
pensions
1 362
-
3 262
-
income
2 928
-
14 475
-
total
5 198
-
19 912
-
Employer
15 138
-
53 344
-
health
1 438
-
3 444
-
pensions
1 665
-
3 987
-
unemployment
303
-
725
-
total
3 406
-
8 156
-
Corporate
42 955
61 500
-
-
income
9 450
13 530
-
-
total
9 450
13 530
-
-
Dividends
33 505
47 970
-
-
withholding
6 701
9 594
-
-
total
6 701
9 594
-
-
Income
61 500
61 500
61 500
61 500
Total tax
24 755
23 124
28 068
27 362
After tax
36 745
38 376
33 432
34 138
Living cost
9 939
9 939
9 939
9 939
Free-cash
26 806
28 437
23 493
24 199

Estimated living cost  is ₽9939 per week

₽5906
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
₽17931
₽13959
₽15322
₽20507
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
-
-
-
61 500
pensions
-
-
-
12 299
unemployment
-
-
-
184
income
-
-
-
10 185
other
-
-
-
-
health
-
-
-
4 366
surtax
-
-
-
967
total
-
-
-
28 001
Employee
27 253
-
50 804
-
health
696
-
1 295
-
unemployment
1 897
-
3 535
-
pensions
1 818
-
3 389
-
income
4 569
-
9 586
-
other
-
-
-
-
surtax
97
-
863
-
total
9 077
-
18 668
-
Employer
27 253
-
50 804
-
health
1 239
-
2 313
-
pensions
3 633
-
6 772
-
unemployment
865
-
1 611
-
other
-
-
-
-
total
5 737
-
10 696
-
Corporate
28 510
61 500
-
-
income
7 413
15 990
-
-
total
7 413
15 990
-
-
Dividends
21 097
45 510
-
-
withholding
3 165
6 826
-
-
total
3 165
6 826
-
-
Income
61 500
61 500
61 500
61 500
Total tax
25 392
22 816
29 364
28 001
After tax
36 108
38 684
32 136
33 499
Living cost
18 177
18 177
18 177
18 177
Free-cash
17 931
20 507
13 959
15 322

Estimated living cost  is ₽18177 per week

₽10974
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1580
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.
₽5201
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
₽8671
-₽4579
₽7218
₽9071
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
-
-
-
61 500
pensions
-
-
-
11 378
chamber of commerce
-
-
-
246
unemployment
-
-