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
₽ 64000
per

Your estimated
City
free-cash

Valencia , Spain
₽16419
₽12198
₽11743
₽20703
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
-
-
-
64 000
unemployment
-
-
-
448
income
-
-
-
10 597
other
-
-
-
64
accident
-
-
-
577
pensions
-
-
-
18 112
total
-
-
-
29 798
Employee
30 199
-
48 529
-
unemployment
468
-
752
-
pensions
1 420
-
2 281
-
income
5 822
-
10 791
-
other
29
-
48
-
total
7 739
-
13 872
-
Employer
30 199
-
48 529
-
pensions
7 126
-
11 452
-
accident
598
-
961
-
unemployment
1 661
-
2 669
-
other
242
-
389
-
total
9 627
-
15 471
-
Corporate
24 173
64 000
-
-
income

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

3 627
9 600
-
-
total
3 627
9 600
-
-
Dividends
20 546
54 400
-
-
withholding
4 129
11 238
-
-
total
4 129
11 238
-
-
Income
64 000
64 000
64 000
64 000
Total tax
25 122
20 838
29 343
29 798
After tax
38 878
43 162
34 657
34 202
Living cost
22 459
22 459
22 459
22 459
Free-cash
16 419
20 703
12 198
11 743

Estimated living cost  is ₽22459 per week

₽15159
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2159
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽394
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.
₽4747
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
₽19745
₽15754
₽12893
₽25259
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
-
-
-
64 000
pensions

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

-
-
-
15 361
income
-
-
-
8 129
other
-
-
-
3 039
health
-
-
-
2 816
total
-
-
-
29 345
Employee
29 654
-
51 117
-
health
415
-
716
-
unemployment
296
-
511
-
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.

2 075
-
3 577
-
income
5 105
-
8 799
-
total
7 891
-
13 603
-
Employer
29 654
-
51 117
-
health
415
-
716
-
pensions

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

5 042
-
8 689
-
accident
237
-
409
-
unemployment
296
-
511
-
other
1 483
-
2 556
-
total
7 473
-
12 881
-
Corporate
26 872
64 000
-
-
income
5 643
13 441
-
-
total
5 643
13 441
-
-
Dividends
21 229
50 559
-
-
withholding
1 486
3 538
-
-
total
1 486
3 538
-
-
Income
64 000
64 000
64 000
64 000
Total tax
22 493
16 979
26 484
29 345
After tax
41 507
47 021
37 516
34 655
Living cost
21 762
21 762
21 762
21 762
Free-cash
19 745
25 259
15 754
12 893

Estimated living cost  is ₽21762 per week

₽15376
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1469
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽350
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.
₽4566
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
₽40215
₽37721
₽36072
₽44010
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
-
-
-
64 000
pensions

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

-
-
-
4 223
unemployment
-
-
-
114
income
-
-
-
9 600
health
-
-
-
3 281
total
-
-
-
17 218
Employee
14 181
-
58 402
-
health
652
-
1 312
-
accident

We are using the highest rate at 1.1%.

156
-
314
-
pensions

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

1 245
-
2 505
-
income
1 418
-
5 840
-
total
3 471
-
9 971
-
Employer
14 181
-
58 402
-
health
979
-
1 969
-
pensions

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

1 563
-
3 144
-
accident

We are using the highest rate at 1.1%.

156
-
314
-
unemployment
85
-
171
-
total
2 783
-
5 598
-
Corporate
47 036
64 000
-
-
income
4 704
6 400
-
-
total
4 704
6 400
-
-
Dividends
42 332
57 600
-
-
withholding
2 117
2 880
-
-
total
2 117
2 880
-
-
Income
64 000
64 000
64 000
64 000
Total tax
13 075
9 280
15 569
17 218
After tax
50 925
54 720
48 431
46 782
Living cost
10 710
10 710
10 710
10 710
Free-cash
40 215
44 010
37 721
36 072

Estimated living cost  is ₽10710 per week

₽6253
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽765
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽284
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3409
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
₽9137
₽10153
₽9104
₽4312
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
-
-
-
64 000
income
-
-
-
3 568
other
-
-
-
1 984
health
-
-
-
553
social contributions
-
-
-
1 824
pensions
-
-
-
19 024
surtax
-
-
-
-
total
-
-
-
26 953
Employee
34 954
-
48 771
-
pensions
3 952
-
5 516
-
income
2 063
-
3 769
-
social contributions
997
-
1 390
-
surtax
-
-
-
-
total
7 012
-
10 675
-
Employer
34 954
-
48 771
-
health
2 447
-
3 414
-
social contributions
105
-
146
-
pensions
5 742
-
8 011
-
unemployment
1 415
-
1 975
-
other
1 206
-
1 683
-
total
10 915
-
15 229
-
Corporate
18 130
64 000
-
-
income
5 076
17 920
-
-
surtax
-
-
-
-
total
5 076
17 920
-
-
Dividends
13 054
46 080
-
-
social contributions
2 246
7 926
-
-
surtax
-
-
-
-
withholding
1 671
5 899
-
-
total
3 917
13 825
-
-
Income
64 000
64 000
64 000
64 000
Total tax
26 920
31 745
25 904
26 953
After tax
37 080
32 255
38 096
37 047
Living cost
27 943
27 943
27 943
27 943
Free-cash
9 137
4 312
10 153
9 104

Estimated living cost  is ₽27943 per week

₽17619
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2272
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽476
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7577
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
-₽17102
-₽17102
₽2212
-₽12518
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
-
-
-
64 000
pensions
-
-
-
9 569
income
-
-
-
9 226
health
-
-
-
8 779
total
-
-
-
27 574
Employee
69 745
69 745
69 745
-
health
10 705
9 106
10 705
-
pensions
12 554
9 569
12 554
-
income

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

11 416
11 416
11 416
-
total
34 675
30 091
34 675
-
Employer
69 745
69 745
69 745
-
health
4 848
4 848
4 848
-
pensions
4 854
4 854
4 854
-
unemployment
2 511
2 511
2 511
-
total
12 213
12 213
12 213
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
64 000
64 000
64 000
64 000
Total tax
46 888
42 304
46 888
27 574
After tax
17 112
21 696
17 112
36 426
Living cost
34 214
34 214
34 214
34 214
Free-cash
-17 102
-12 518
-17 102
2 212

Estimated living cost  is ₽34214 per week

₽24246
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3084
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽544
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6339
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
₽16707
₽22553
₽18454
₽7671
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.

-
-
-
64 000
trade
-
-
-
4 099
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.

-
-
-
10 549
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.

-
-
-
5 580
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.

-
-
-
580
total
-
-
-
20 808
Employee

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

31 238
-
64 000
-
health

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

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

5 580
-
5 580
-
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.

873
-
10 549
-
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
-
580
-
total
6 501
-
16 709
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
32 762
64 000
-
-
income
4 915
9 600
-
-
trade
5 160
10 080
-
-
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.

270
529
-
-
chamber of commerce
170
215
-
-
total
10 515
20 424
-
-
Dividends
22 248
43 576
-
-
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.

288
583
-
-
withholding
5 251
10 584
-
-
total
5 539
11 167
-
-
Income
64 000
64 000
64 000
64 000
Total tax
22 555
31 591
16 709
20 808
After tax
41 445
32 409
47 291
43 192
Living cost
24 738
24 738
24 738
24 738
Free-cash
16 707
7 671
22 553
18 454

Estimated living cost  is ₽24738 per week

₽15561
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2884
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.
₽5831
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
₽23595
₽27429
₽28593
₽26623
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
-
-
-
64 000
income
-
-
-
4 882
health
-
-
-
1 632
social contributions
-
-
-
9 984
total
-
-
-
16 498
Employee
62 802
62 802
62 802
-
health
487
1 068
987
-
income
6 838
5 814
5 955
-
social contributions
2 374
5 212
4 822
-
total
9 699
12 094
11 764
-
Employer
62 802
62 802
62 802
-
health
529
1 162
1 076
-
social contributions
2 374
5 212
4 822
-
total
2 903
6 374
5 898
-
Corporate
32 488
-
-
-
income
4 061
-
-
-
total
4 061
-
-
-
Dividends
28 428
-
-
-
withholding
4 833
-
-
-
total
4 833
-
-
-
Income
64 000
64 000
64 000
64 000
Total tax
21 496
18 468
17 662
16 498
After tax
42 504
45 532
46 338
47 502
Living cost
18 909
18 909
18 909
18 909
Free-cash
23 595
26 623
27 429
28 593

Estimated living cost  is ₽18909 per week

₽11333
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1855
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽418
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.
₽5304
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
₽9963
₽8041
₽10648
₽10784
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.

-
-
-
64 000
income
-
-
-
5 495
social contributions

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

-
-
-
22 239
surtax
-
-
-
-
total
-
-
-
27 734
Employee
37 563
-
51 717
-
income
7 813
-
12 368
-
social contributions
4 132
-
5 690
-
surtax
-
-
-
-
total
11 945
-
18 058
-
Employer
37 563
-
51 717
-
social contributions
8 921
-
12 283
-
total
8 921
-
12 283
-
Corporate
17 516
64 000
-
-
income
3 678
13 441
-
-
surtax
-
-
-
-
total
3 678
13 441
-
-
Dividends
13 838
50 559
-
-
withholding
3 875
14 157
-
-
total
3 875
14 157
-
-
Income
64 000
64 000
64 000
64 000
Total tax
28 419
27 598
30 341
27 734
After tax
35 581
36 402
33 659
36 266
Living cost
25 618
25 618
25 618
25 618
Free-cash
9 963
10 784
8 041
10 648

Estimated living cost  is ₽25618 per week

₽19167
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1511
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽428
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.
₽4512
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
₽53568
₽45109
₽57269
₽54709
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%.

-
-
-
64 000
microenterprise

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

-
-
-
640
total
-
-
-
640
Employee
7 613
-
64 000
-
income
1 522
-
12 800
-
total
1 522
-
12 800
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

56 387
64 000
-
-
total
-
-
-
-
Dividends
56 387
64 000
-
-
withholding
2 819
3 200
-
-
total
2 819
3 200
-
-
Income
64 000
64 000
64 000
64 000
Total tax
4 341
3 200
12 800
640
After tax
59 659
60 800
51 200
63 360
Living cost
6 091
6 091
6 091
6 091
Free-cash
53 568
54 709
45 109
57 269

Estimated living cost  is ₽6091 per week

₽3775
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽506
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽167
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽1642
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
₽15326
₽10147
₽11982
₽22158
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.

-
-
-
64 000
pensions
-
-
-
11 688
unemployment
-
-
-
96
income
-
-
-
12 031
health
-
-
-
6 297
total
-
-
-
30 112
Employee

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

36 116
-
55 378
-
health
2 333
-
3 577
-
unemployment
51
-
77
-
pensions
5 598
-
8 583
-
income
6 228
-
11 087
-
total
14 210
-
23 324
-
Employer

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

36 116
-
55 378
-
health
2 405
-
3 689
-
pensions
3 196
-
4 901
-
unemployment
22
-
33
-
total
5 623
-
8 623
-
Corporate
22 261
64 000
-
-
income
4 230
12 160
-
-
total
4 230
12 160
-
-
Dividends
18 032
51 840
-
-
withholding
2 705
7 776
-
-
total
2 705
7 776
-
-
Income
64 000
64 000
64 000
64 000
Total tax
26 768
19 936
31 947
30 112
After tax
37 232
44 064
32 053
33 888
Living cost
21 906
21 906
21 906
21 906
Free-cash
15 326
22 158
10 147
11 982

Estimated living cost  is ₽21906 per week

₽15034
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1404
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽425
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.
₽5045
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
₽12369
₽17081
₽5935
₽7638
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.

-
-
-
64 000
income
-
-
-
23 248
health

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

-
-
-
5 170
total
-
-
-
28 418
Employee
37 466
-
60 243
-
social contributions
3 754
-
3 757
-
income
4 065
-
9 758
-
total
7 819
-
13 515
-
Employer
37 466
-
60 243
-
social contributions
3 754
-
3 757
-
total
3 754
-
3 757
-
Corporate
22 780
64 000
-
-
income
7 973
22 400
-
-
total
7 973
22 400
-
-
Dividends
14 807
41 600
-
-
social contributions
2 438
4 315
-
-
total
2 438
4 315
-
-
Income
64 000
64 000
64 000
64 000
Total tax
21 984
26 715
17 272
28 418
After tax
42 016
37 285
46 728
35 582
Living cost
29 647
29 647
29 647
29 647
Free-cash
12 369
7 638
17 081
5 935

Estimated living cost  is ₽29647 per week

₽19529
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2337
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽454
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.
₽7326
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
₽22152
₽24810
₽23784
₽21726
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
-
-
-
64 000
income
-
-
-
9 600
health
-
-
-
4 467
social contributions
-
-
-
8 831
total
-
-
-
22 898
Employee
27 692
-
64 000
-
health
1 933
-
4 467
-
income
4 619
-
8 574
-
social contributions
3 822
-
8 831
-
total
10 374
-
21 872
-
Employer
27 692
-
64 000
-
total
-
-
-
-
Corporate
36 308
64 000
-
-
income

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

1 815
3 201
-
-
total
1 815
3 201
-
-
Dividends
34 493
60 799
-
-
social contributions
4 760
8 391
-
-
withholding
5 174
9 120
-
-
health
2 407
4 244
-
-
total
12 341
21 755
-
-
Income
64 000
64 000
64 000
64 000
Total tax
24 530
24 956
21 872
22 898
After tax
39 470
39 044
42 128
41 102
Living cost
17 318
17 318
17 318
17 318
Free-cash
22 152
21 726
24 810
23 784

Estimated living cost  is ₽17318 per week

₽11590
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1068
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽398
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.
₽4261
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
₽13169
₽9708
₽8400
₽21293
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
-
-
-
64 000
income
-
-
-
5 501
health
-
-
-
8 640
social contributions
-
-
-
18 688
solidarity contribution
-
-
-
-
total
-
-
-
32 829
Employee
33 486
-
47 761
-
health
4 521
-
6 448
-
solidarity contribution
-
-
-
-
income
4 018
-
5 731
-
social contributions
2 177
-
3 104
-
total
10 716
-
15 283
-
Employer
33 486
-
47 761
-
health
3 014
-
4 298
-
social contributions
8 372
-
11 940
-
total
11 386
-
16 238
-
Corporate
19 129
64 000
-
-
income
3 634
12 160
-
-
total
3 634
12 160
-
-
Dividends
15 494
51 840
-
-
withholding
2 324
7 776
-
-
total
2 324
7 776
-
-
Income
64 000
64 000
64 000
64 000
Total tax
28 060
19 936
31 521
32 829
After tax
35 940
44 064
32 479
31 171
Living cost
22 771
22 771
22 771
22 771
Free-cash
13 169
21 293
9 708
8 400

Estimated living cost  is ₽22771 per week

₽16934
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1261
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽394
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.
₽4182
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
₽49528
₽41708
₽53868
₽51308
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%.

-
-
-
64 000
microenterprise

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

-
-
-
640
total
-
-
-
640
Employee
11 865
-
64 000
-
income
2 373
-
12 800
-
total
2 373
-
12 800
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

52 135
64 000
-
-
total
-
-
-
-
Dividends
52 135
64 000
-
-
withholding
2 607
3 200
-
-
total
2 607
3 200
-
-
Income
64 000
64 000
64 000
64 000
Total tax
4 980
3 200
12 800
640
After tax
59 020
60 800
51 200
63 360
Living cost
9 492
9 492
9 492
9 492
Free-cash
49 528
51 308
41 708
53 868

Estimated living cost  is ₽9492 per week

₽6423
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽398
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽318
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2352
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

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

Paris , France
-₽3128
-₽1351
-₽2400
-₽7192
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
-
-
-
64 000
income
-
-
-
3 568
other
-
-
-
1 984
health
-
-
-
553
social contributions
-
-
-
1 824
pensions
-
-
-
19 024
surtax
-
-
-
-
total
-
-
-
26 953
Employee
51 153
-
48 771
-
pensions
5 786
-
5 516
-
income
4 463
-
3 769
-
social contributions
1 457
-
1 390
-
surtax
-
-
-
-
total
11 706
-
10 675
-
Employer
51 153
-
48 771
-
health
3 580
-
3 414
-
social contributions
153
-
146
-
pensions
8 405
-
8 011
-
unemployment
2 072
-
1 975
-
other
1 765
-
1 683
-
total
15 975
-
15 229
-
Corporate
-
64 000
-
-
income
-
17 920
-
-
surtax
-
-
-
-
total
-
17 920
-
-
Dividends
-
46 080
-
-
social contributions
-
7 926
-
-
surtax
-
-
-
-
withholding
-
5 899
-
-
total
-
13 825
-
-
Income
64 000
64 000
64 000
64 000
Total tax
27 681
31 745
25 904
26 953
After tax
36 319
32 255
38 096
37 047
Living cost
39 447
39 447
39 447
39 447
Free-cash
-3 128
-7 192
-1 351
-2 400

Estimated living cost  is ₽39447 per week

₽26697
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3227
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽541
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.
₽8982
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
₽28163
₽19122
₽17683
₽32167
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.

-
-
-
64 000
pensions
-
-
-
15 637
unemployment
-
-
-
902
income
-
-
-
9 511
health
-
-
-
6 194
total
-
-
-
32 244
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.

21 222
-
54 283
-
health
1 093
-
2 796
-
unemployment
159
-
407
-
pensions
2 971
-
7 600
-
income
2 925
-
10 285
-
total
7 148
-
21 088
-
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.

21 222
-
54 283
-
health
1 093
-
2 796
-
pensions
2 547
-
6 514
-
unemployment
159
-
407
-
total
3 799
-
9 717
-
Corporate
38 980
64 000
-
-
income
5 847
9 600
-
-
total
5 847
9 600
-
-
Dividends
33 133
54 400
-
-
withholding
4 970
8 160
-
-
total
4 970
8 160
-
-
Income
64 000
64 000
64 000
64 000
Total tax
21 764
17 760
30 805
32 244
After tax
42 236
46 240
33 195
31 756
Living cost
14 073
14 073
14 073
14 073
Free-cash
28 163
32 167
19 122
17 683

Estimated living cost  is ₽14073 per week

₽9476
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1089
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽407
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.
₽3102
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
-₽8780
-₽6346
-₽3068
-₽27516
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
-
-
-
64 000
pensions
-
-
-
5 887
city
-
-
-
674
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.

-
-
-
1 280
health
-
-
-
185
regional
-
-
-
1 976
national
-
-
-
285
total
-
-
-
10 287
Employee
66 448
-
57 283
-
health
150
-
128
-
unemployment
-
-
-
-
city
713
-
615
-
pensions
5 583
-
4 813
-
regional
2 176
-
1 680
-
national
315
-
242
-
total
8 937
-
7 478
-
Employer
66 448
-
57 283
-
health
150
-
128
-
pensions
5 583
-
4 813
-
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.

1 329
-
1 146
-
total
7 062
-
6 087
-
Corporate
-
64 000
-
-
regional
-
13 536
-
-
national
-
5 440
-
-
total
-
18 976
-
-
Dividends
-
45 024
-
-
withholding
-
15 759
-
-
total
-
15 759
-
-
Income
64 000
64 000
64 000
64 000
Total tax
15 999
34 735
13 565
10 287
After tax
48 001
29 265
50 435
53 713
Living cost
56 781
56 781
56 781
56 781
Free-cash
-8 780
-27 516
-6 346
-3 068

Estimated living cost  is ₽56781 per week

₽36924
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5095
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽697
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.
₽14064
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
₽8943
₽6555
₽15907
₽12263
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

-
-
-
64 000
municipal
-
-
-
11 404
health
-
-
-
645
national
-
-
-
4 688
total
-
-
-
16 737
Employee
42 969
-
53 841
-
health
321
-
488
-
unemployment
645
-
807
-
pensions
2 900
-
3 634
-
national
710
-
2 198
-
municipal
7 038
-
8 803
-
total
11 614
-
15 930
-
Employer
42 969
-
53 841
-
health
330
-
414
-
pensions
7 455
-
9 341
-
accident
43
-
54
-
unemployment
279
-
350
-
total
8 107
-
10 159
-
Corporate
12 923
64 000
-
-
income
2 585
12 801
-
-
total
2 585
12 801
-
-
Dividends

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

7 753
38 400
-
-
municipal
1 395
6 912
-
-
national
-
668
-
-
total
1 395
7 580
-
-
Income
64 000
64 000
64 000
64 000
Total tax
23 701
20 381
26 089
16 737
After tax
40 299
43 619
37 911
47 263
Living cost
31 356
31 356
31 356
31 356
Free-cash
8 943
12 263
6 555
15 907

Estimated living cost  is ₽31356 per week

₽20482
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3016
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽499
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7360
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
-₽11427
-₽3770
₽2049
₽6178
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
-
-
-
64 000
communal

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

-
-
-
3 298
social contributions
-
-
-
9 030
national
-
-
-
19 844
total
-
-
-
32 172
Employee

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

58 421
-
49 571
-
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.

2 745
-
2 329
-
communal

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

3 047
-
2 585
-
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.

508
-
431
-
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.

4 382
-
3 718
-
national
17 961
-
14 498
-
total
28 643
-
23 561
-
Employer

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

58 421
-
49 571
-
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.

3 593
-
3 049
-
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.

5 177
-
4 392
-
surtax
6 624
-
5 620
-
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.

759
-
645
-
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.

852
-
724
-
total
17 005
-
14 430
-
Corporate
-
64 000
-
-
income
-
12 801
-
-
surtax
-
256
-
-
total
-
13 057
-
-
Dividends
-
50 944
-
-
withholding

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

-
14 986
-
-
total
-
14 986
-
-
Income
64 000
64 000
64 000
64 000
Total tax
45 648
28 043
37 991
32 172
After tax
18 352
35 957
26 009
31 828
Living cost
29 779
29 779
29 779
29 779
Free-cash
-11 427
6 178
-3 770
2 049

Estimated living cost  is ₽29779 per week

₽19181
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2604
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽467
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7528
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
-₽1970
-₽1053
-₽3327
-₽286
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
-
-
-
64 000
unemployment
-
-
-
64
municipal
-
-
-
13 556
other
-
-
-
7 437
health
-
-
-
3 994
national
-
-
-
-
accident
-
-
-
128
pensions
-
-
-
6 918
total
-
-
-
32 097
Employee
50 199
-
48 699
-
national
-
-
-
-
municipal
14 969
-
14 522
-
total
14 969
-
14 522
-
Employer
50 199
-
48 699
-
health
3 087
-
2 995
-
pensions
5 426
-
5 264
-
accident
100
-
97
-
unemployment
1 325
-
1 286
-
other
5 833
-
5 659
-
total
15 771
-
15 301
-
Corporate
-
64 000
-
-
income
-
14 080
-
-
total
-
14 080
-
-
Dividends
-
49 920
-
-
withholding
-
14 976
-
-
total
-
14 976
-
-
Income
64 000
64 000
64 000
64 000
Total tax
30 740
29 056
29 823
32 097
After tax
33 260
34 944
34 177
31 903
Living cost
35 230
35 230
35 230
35 230
Free-cash
-1 970
-286
-1 053
-3 327

Estimated living cost  is ₽35230 per week

₽23349
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3457
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽535
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.
₽7889
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
-₽69994
₽13401
₽5453
₽162
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
-
-
-
64 000
income
-
-
-
12 475
social contributions
-
-
-
7 296
total
-
-
-
19 771
Employee
55 599
-
-
-
income
12 264
-
-
-
social contributions
4 559
-
650
-
total
16 823
-
650
-
Employer
55 599
-
-
-
social contributions
78 395
-
11 173
-
total
78 395
-
11 173
-
Corporate
-
64 000
-
-
income
-
14 080
-
-
total
-
14 080
-
-
Dividends
-
49 920
-
-
income
-
10 982
-
-
total
-
10 982
-
-
Income
64 000
64 000
64 000
64 000
Total tax
95 218
25 062
11 823
19 771
After tax
-31 218
38 938
52 177
44 229
Living cost
38 776
38 776
38 776
38 776
Free-cash
-69 994
162
13 401
5 453

Estimated living cost  is ₽38776 per week

₽25159
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3647
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.
₽9475
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
₽17070
₽19848
₽21012
₽19042
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
-
-
-
64 000
income
-
-
-
4 882
health
-
-
-
1 632
social contributions
-
-
-
9 984
total
-
-
-
16 498
Employee
62 802
62 802
62 802
-
health
625
1 068
987
-
income
6 595
5 814
5 955
-
social contributions
3 052
5 212
4 822
-
total
10 272
12 094
11 764
-
Employer
62 802
62 802
62 802
-
health
680
1 162
1 076
-
social contributions
3 052
5 212
4 822
-
total
3 732
6 374
5 898
-
Corporate
23 506
-
-
-
income
2 939
-
-
-
total
2 939
-
-
-
Dividends
20 568
-
-
-
withholding
3 497
-
-
-
total
3 497
-
-
-
Income
64 000
64 000
64 000
64 000
Total tax
20 440
18 468
17 662
16 498
After tax
43 560
45 532
46 338
47 502
Living cost
26 490
26 490
26 490
26 490
Free-cash
17 070
19 042
19 848
21 012

Estimated living cost  is ₽26490 per week

₽18109
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2069
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽445
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5868
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
₽14424
₽11440
₽18532
₽18845
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
-
-
-
64 000
income
-
-
-
11 910
pensions
-
-
-
4 451
total
-
-
-
16 361
Employee
39 953
-
56 593
-
health
521
-
863
-
pensions
3 049
-
5 046
-
income
7 276
-
10 137
-
total
10 846
-
16 046
-
Employer
39 953
-
56 593
-
health
759
-
1 075
-
pensions
4 037
-
6 332
-
total
4 796
-
7 407
-
Corporate
19 251
64 000
-
-
income

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

3 657
12 160
-
-
total
3 657
12 160
-
-
Dividends
15 594
51 840
-
-
withholding
1 170
3 888
-
-
total
1 170
3 888
-
-
Income
64 000
64 000
64 000
64 000
Total tax
20 469
16 048
23 453
16 361
After tax
43 531
47 952
40 547
47 639
Living cost
29 107
29 107
29 107
29 107
Free-cash
14 424
18 845
11 440
18 532

Estimated living cost  is ₽29107 per week

₽19967
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2677
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽364
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.
₽6097
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
-₽4822
-₽1948
₽1098
₽1177
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
-
-
-
64 000
municipal
-
-
-
428
regional
-
-
-
1 115
social contributions
-
-
-
16 461
national
-
-
-
12 362
total
-
-
-
30 366
Employee
68 822
-
64 000
-
social contributions
23 206
-
21 581
-
regional
1 039
-
926
-
national
11 630
-
10 524
-
municipal
411
-
381
-
total
36 286
-
33 412
-
Employer
68 822
-
64 000
-
total
-
-
-
-
Corporate
-
64 000
-
-
nationa
-
15 359
-
-
municipal
-
3 084
-
-
total
-
18 443
-
-
Dividends
-
45 556
-
-
withholding
-
11 844
-
-
total
-
11 844
-
-
Income
64 000
64 000
64 000
64 000
Total tax
36 286
30 287
33 412
30 366
After tax
27 714
33 713
30 588
33 634
Living cost
32 536
32 536
32 536
32 536
Free-cash
-4 822
1 177
-1 948
1 098

Estimated living cost  is ₽32536 per week

₽22855
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2238
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽491
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.
₽6951
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
₽2532
₽14872
₽26729
-₽12107
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
-
-
-
64 000
pensions
-
-
-
3 270
income
-
-
-
14 507
other
-
-
-
291
health
-
-
-
1 714
accident
-
-
-
198
total
-
-
-
19 980
Employee
27 200
-
53 165
-
health
3 114
-
6 088
-
pensions
3 063
-
5 986
-
income
3 732
-
8 928
-
total
9 909
-
21 002
-
Employer
27 200
-
53 165
-
pensions
4 423
-
8 644
-
accident
454
-
888
-
unemployment
666
-
1 303
-
total
5 543
-
10 835
-
Corporate
31 256
64 000
-
-
income

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

28 131
57 600
-
-
total
28 131
57 600
-
-
Dividends
3 126
6 400
-
-
withholding
594
1 216
-
-
total
594
1 216
-
-
Income
64 000
64 000
64 000
64 000
Total tax
44 177
58 816
31 837
19 980
After tax
19 823
5 184
32 163
44 020
Living cost
17 291
17 291
17 291
17 291
Free-cash
2 532
-12 107
14 872
26 729

Estimated living cost  is ₽17291 per week

₽12673
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽958
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽361
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.
₽3300
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
₽12223
₽15760
₽12025
₽1534
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.

-
-
-
64 000
trade
-
-
-
3 735
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.

-
-
-
10 549
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.

-
-
-
5 580
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.

-
-
-
580
total
-
-
-
20 444
Employee

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

40 637
-
64 000
-
health

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

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

5 580
-
5 580
-
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.

3 342
-
10 549
-
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
-
580
-
total
9 106
-
16 709
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
23 363
64 000
-
-
income
3 504
9 600
-
-
trade
3 352
9 185
-
-
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.

192
529
-
-
chamber of commerce
158
219
-
-
total
7 206
19 533
-
-
Dividends
16 156
44 468
-
-
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.

205
595
-
-
withholding
3 729
10 807
-
-
total
3 934
11 402
-
-
Income
64 000
64 000
64 000
64 000
Total tax
20 246
30 935
16 709
20 444
After tax
43 754
33 065
47 291
43 556
Living cost
31 531
31 531
31 531
31 531
Free-cash
12 223
1 534
15 760
12 025

Estimated living cost  is ₽31531 per week

₽21751
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3393
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽457
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5930
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
₽27509
₽19284
₽17376
₽34208
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.

-
-
-
64 000
income
-
-
-
9 057
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.

-
-
-
20 576
surtax
-
-
-
-
total
-
-
-
29 633
Employee
23 865
-
51 575
-
income
4 248
-
9 628
-
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.

2 626
-
5 673
-
surtax
-
-
-
-
total
6 874
-
15 301
-
Employer
23 865
-
51 575
-
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.

5 749
-
12 424
-
surtax
-
-
-
-
total
5 749
-
12 424
-
Corporate
34 386
64 000
-
-
income

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

6 877
12 801
-
-
total
6 877
12 801
-
-
Dividends

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

27 510
51 199
-
-
total
-
-
-
-
Income
64 000
64 000
64 000
64 000
Total tax
19 500
12 801
27 725
29 633
After tax
44 500
51 199
36 275
34 367
Living cost
16 991
16 991
16 991
16 991
Free-cash
27 509
34 208
19 284
17 376

Estimated living cost  is ₽16991 per week

₽10840
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1618
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽386
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.
₽4147
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
₽28258
₽24966
₽25680
₽29906
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
-
-
-
64 000
income
-
-
-
15 670
health
-
-
-
5 304
pensions
-
-
-
7 316
total
-
-
-
28 290
Employee
15 276
-
55 770
-
health
764
-
1 829
-
unemployment
153
-
366
-
pensions
1 375
-
3 292
-
income
2 955
-
15 286
-
total
5 247
-
20 773
-
Employer
15 276
-
55 770
-
health
1 451
-
3 475
-
pensions
1 680
-
4 024
-
unemployment
306
-
732
-
total
3 437
-
8 231
-
Corporate
45 286
64 000
-
-
income
9 963
14 080
-
-
total
9 963
14 080
-
-
Dividends
35 323
49 920
-
-
withholding
7 065
9 984
-
-
total
7 065
9 984
-
-
Income
64 000
64 000
64 000
64 000
Total tax
25 712
24 064
29 004
28 290
After tax
38 288
39 936
34 996
35 710
Living cost
10 030
10 030
10 030
10 030
Free-cash
28 258
29 906
24 966
25 680

Estimated living cost  is ₽10030 per week

₽5960
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽813
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽230
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.
₽3027
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
₽19313
₽14974
₽16393
₽21910
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
-
-
-
64 000
pensions
-
-
-
12 801
unemployment
-
-
-
186
income
-
-
-
10 686
other
-
-
-
-
health
-
-
-
4 543
surtax
-
-
-
1 046
total
-
-
-
29 262
Employee
27 504
-
52 872
-
health
702
-
1 347
-
unemployment
1 914
-
3 679
-
pensions
1 835
-
3 526
-
income
4 611
-
10 063
-
other
-
-
-
-
surtax
98
-
939
-
total
9 160
-
19 554
-
Employer
27 504
-
52 872
-
health
1 251
-
2 405
-
pensions
3 667
-
7 047
-
unemployment
873
-
1 675
-
other
-
-
-
-
total
5 791
-
11 127
-
Corporate
30 705
64 000
-
-
income
7 983
16 640
-
-
total
7 983
16 640
-
-
Dividends
22 722
47 360
-
-
withholding
3 408
7 105
-
-
total
3 408
7 105
-
-
Income
64 000
64 000
64 000
64 000
Total tax
26 342
23 745
30 681
29 262
After tax
37 658
40 255
33 319
34 738
Living cost
18 345
18 345
18 345
18 345
Free-cash
19 313
21 910
14 974
16 393

Estimated living cost  is ₽18345 per week

₽11075
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1595
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽426
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5249
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
₽9801
-₽4199
₽8206
₽10208
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
-
-
-
64 000
pensions
-
-
-
11 840
chamber of commerce
-
-
-
256
unemployment
-
-