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
₽11965
₽11510
₽20439
₽16103
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
-
-
-
10 562
accident
-
-
-
576
unemployment
-
-
-
449
pensions
-
-
-
18 113
other
-
-
-
64
total
-
-
-
29 764
Employee
30 558
-
48 527
-
other
30
-
49
-
income
5 891
-
10 756
-
unemployment
474
-
753
-
pensions
1 437
-
2 280
-
total
7 832
-
13 838
-
Employer
30 558
-
48 527
-
unemployment
1 681
-
2 669
-
pensions
7 211
-
11 452
-
other
245
-
389
-
accident
605
-
961
-
total
9 742
-
15 471
-
Corporate
23 699
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.

3 555
9 600
-
-
total
3 555
9 600
-
-
Dividends
20 144
54 400
-
-
withholding
4 042
11 235
-
-
total
4 042
11 235
-
-
Income
64 000
64 000
64 000
64 000
Total tax
25 171
20 835
29 309
29 764
After tax
38 829
43 165
34 691
34 236
Living cost
22 726
22 726
22 726
22 726
Free-cash
16 103
20 439
11 965
11 510

Estimated living cost  is ₽22726 per week

₽15340
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2185
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.
₽4804
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
₽15494
₽12635
₽24998
₽19418
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
-
-
-
8 129
health
-
-
-
2 817
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.

-
-
-
15 359
other
-
-
-
3 039
total
-
-
-
29 344
Employee
30 007
-
51 119
-
income
5 166
-
8 800
-
health
420
-
715
-
unemployment
300
-
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.

2 100
-
3 579
-
total
7 986
-
13 605
-
Employer
30 007
-
51 119
-
unemployment
300
-
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.

5 102
-
8 690
-
other
1 501
-
2 555
-
accident
240
-
409
-
health
420
-
715
-
total
7 563
-
12 880
-
Corporate
26 430
64 000
-
-
income
5 550
13 441
-
-
total
5 550
13 441
-
-
Dividends
20 880
50 559
-
-
withholding
1 462
3 540
-
-
total
1 462
3 540
-
-
Income
64 000
64 000
64 000
64 000
Total tax
22 561
16 981
26 485
29 344
After tax
41 439
47 019
37 515
34 656
Living cost
22 021
22 021
22 021
22 021
Free-cash
19 418
24 998
15 494
12 635

Estimated living cost  is ₽22021 per week

₽15559
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1487
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽354
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.
₽4620
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
₽37503
₽35872
₽43893
₽40057
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
-
-
-
3 317
unemployment
-
-
-
115
pensions

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

-
-
-
4 269
total
-
-
-
17 301
Employee
14 336
-
58 341
-
income
1 433
-
5 834
-
health
659
-
1 327
-
accident

We are using the highest rate at 1.1%.

158
-
317
-
pensions

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

1 259
-
2 533
-
total
3 509
-
10 011
-
Employer
14 336
-
58 341
-
unemployment
86
-
173
-
pensions

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

1 580
-
3 179
-
accident

We are using the highest rate at 1.1%.

158
-
317
-
health
990
-
1 990
-
total
2 814
-
5 659
-
Corporate
46 850
64 000
-
-
income
4 685
6 400
-
-
total
4 685
6 400
-
-
Dividends
42 165
57 600
-
-
withholding
2 108
2 880
-
-
total
2 108
2 880
-
-
Income
64 000
64 000
64 000
64 000
Total tax
13 116
9 280
15 670
17 301
After tax
50 884
54 720
48 330
46 699
Living cost
10 827
10 827
10 827
10 827
Free-cash
40 057
43 893
37 503
35 872

Estimated living cost  is ₽10827 per week

₽6321
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽773
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽287
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.
₽3446
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
₽9881
₽8659
₽3981
₽8865
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
-
-
-
3 519
social contributions
-
-
-
1 822
health
-
-
-
554
surtax
-
-
-
-
pensions
-
-
-
19 187
other
-
-
-
1 984
total
-
-
-
27 066
Employee
35 370
-
48 768
-
income
2 087
-
3 706
-
social contributions
1 008
-
1 390
-
surtax
-
-
-
-
pensions
3 999
-
5 516
-
total
7 094
-
10 612
-
Employer
35 370
-
48 768
-
unemployment
1 432
-
1 975
-
social contributions
107
-
146
-
pensions
5 811
-
8 014
-
other
1 220
-
1 683
-
health
2 476
-
3 414
-
total
11 046
-
15 232
-
Corporate
17 584
64 000
-
-
income
4 923
17 920
-
-
surtax
-
-
-
-
total
4 923
17 920
-
-
Dividends
12 661
46 080
-
-
withholding
1 620
5 898
-
-
surtax
-
-
-
-
social contributions
2 177
7 926
-
-
total
3 797
13 824
-
-
Income
64 000
64 000
64 000
64 000
Total tax
26 860
31 744
25 844
27 066
After tax
37 140
32 256
38 156
36 934
Living cost
28 275
28 275
28 275
28 275
Free-cash
8 865
3 981
9 881
8 659

Estimated living cost  is ₽28275 per week

₽17829
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2299
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽481
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.
₽7668
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
-₽18067
₽1810
-₽13429
-₽18067
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
-
-
-
9 047
health
-
-
-
8 839
pensions
-
-
-
9 683
total
-
-
-
27 569
Employee
70 574
70 574
70 574
-
income

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

11 552
11 552
11 552
-
health
10 832
9 214
10 832
-
pensions
12 703
9 683
12 703
-
total
35 087
30 449
35 087
-
Employer
70 574
70 574
70 574
-
unemployment
2 541
2 541
2 541
-
pensions
4 912
4 912
4 912
-
health
4 906
4 906
4 906
-
total
12 359
12 359
12 359
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Income
64 000
64 000
64 000
64 000
Total tax
47 446
42 808
47 446
27 569
After tax
16 554
21 192
16 554
36 431
Living cost
34 621
34 621
34 621
34 621
Free-cash
-18 067
-13 429
-18 067
1 810

Estimated living cost  is ₽34621 per week

₽24535
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3121
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽550
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.
₽6414
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
₽22335
₽18306
₽7379
₽16521
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
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.

-
-
-
10 415
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.

-
-
-
5 646
trade
-
-
-
4 029
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.

-
-
-
572
total
-
-
-
20 662
Employee

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

31 610
-
64 000
-
income

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

883
-
10 415
-
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.

5 646
-
5 646
-
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.

49
-
572
-
total
6 578
-
16 633
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
32 390
64 000
-
-
chamber of commerce
173
218
-
-
income
4 859
9 600
-
-
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.

267
529
-
-
trade
5 102
10 080
-
-
total
10 401
20 427
-
-
Dividends
21 991
43 574
-
-
withholding
5 183
10 580
-
-
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.

285
582
-
-
total
5 468
11 162
-
-
Income
64 000
64 000
64 000
64 000
Total tax
22 447
31 589
16 633
20 662
After tax
41 553
32 411
47 367
43 338
Living cost
25 032
25 032
25 032
25 032
Free-cash
16 521
7 379
22 335
18 306

Estimated living cost  is ₽25032 per week

₽15746
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2919
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.
₽5900
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
₽27112
₽28466
₽26178
₽23322
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
-
-
-
4 783
social contributions
-
-
-
9 984
health
-
-
-
1 633
total
-
-
-
16 400
Employee
63 549
63 549
63 549
-
income
6 919
5 883
6 046
-
social contributions
2 403
5 274
4 823
-
health
492
1 081
988
-
total
9 814
12 238
11 857
-
Employer
63 549
63 549
63 549
-
social contributions
2 403
5 274
4 823
-
health
535
1 176
1 074
-
total
2 938
6 450
5 897
-
Corporate
32 114
-
-
-
income
4 015
-
-
-
total
4 015
-
-
-
Dividends
28 099
-
-
-
withholding
4 777
-
-
-
total
4 777
-
-
-
Income
64 000
64 000
64 000
64 000
Total tax
21 544
18 688
17 754
16 400
After tax
42 456
45 312
46 246
47 600
Living cost
19 134
19 134
19 134
19 134
Free-cash
23 322
26 178
27 112
28 466

Estimated living cost  is ₽19134 per week

₽11468
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1877
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽423
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.
₽5367
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
₽7793
₽10363
₽10479
₽9648
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
-
-
-
5 474
social contributions

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

-
-
-
22 240
surtax
-
-
-
-
total
-
-
-
27 714
Employee
38 010
-
51 717
-
income
7 906
-
12 313
-
social contributions
4 181
-
5 688
-
surtax
-
-
-
-
total
12 087
-
18 001
-
Employer
38 010
-
51 717
-
social contributions
9 027
-
12 283
-
total
9 027
-
12 283
-
Corporate
16 963
64 000
-
-
income
3 562
13 441
-
-
surtax
-
-
-
-
total
3 562
13 441
-
-
Dividends
13 401
50 559
-
-
withholding
3 753
14 157
-
-
total
3 753
14 157
-
-
Income
64 000
64 000
64 000
64 000
Total tax
28 429
27 598
30 284
27 714
After tax
35 571
36 402
33 716
36 286
Living cost
25 923
25 923
25 923
25 923
Free-cash
9 648
10 479
7 793
10 363

Estimated living cost  is ₽25923 per week

₽19395
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1529
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽433
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.
₽4565
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
₽45012
₽57172
₽54612
₽53452
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
7 735
-
64 000
-
income
1 547
-
12 800
-
total
1 547
-
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%.

56 265
64 000
-
-
total
-
-
-
-
Dividends
56 265
64 000
-
-
withholding
2 813
3 200
-
-
total
2 813
3 200
-
-
Income
64 000
64 000
64 000
64 000
Total tax
4 360
3 200
12 800
640
After tax
59 640
60 800
51 200
63 360
Living cost
6 188
6 188
6 188
6 188
Free-cash
53 452
54 612
45 012
57 172

Estimated living cost  is ₽6188 per week

₽3835
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽514
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽170
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.
₽1669
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
₽9930
₽11762
₽21896
₽14984
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
income
-
-
-
11 989
health
-
-
-
6 297
unemployment
-
-
-
96
pensions
-
-
-
11 689
total
-
-
-
30 071
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.

36 545
-
55 379
-
income
6 302
-
11 045
-
health
2 360
-
3 577
-
unemployment
52
-
77
-
pensions
5 665
-
8 583
-
total
14 379
-
23 282
-
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.

36 545
-
55 379
-
unemployment
22
-
33
-
pensions
3 234
-
4 901
-
health
2 434
-
3 687
-
total
5 690
-
8 621
-
Corporate
21 765
64 000
-
-
income
4 136
12 161
-
-
total
4 136
12 161
-
-
Dividends
17 629
51 839
-
-
withholding
2 644
7 776
-
-
total
2 644
7 776
-
-
Income
64 000
64 000
64 000
64 000
Total tax
26 849
19 937
31 903
30 071
After tax
37 151
44 063
32 097
33 929
Living cost
22 167
22 167
22 167
22 167
Free-cash
14 984
21 896
9 930
11 762

Estimated living cost  is ₽22167 per week

₽15213
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1421
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽430
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.
₽5105
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
₽16712
₽5042
₽7234
₽12022
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
-
-
-
23 525
health

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

-
-
-
5 433
total
-
-
-
28 958
Employee
37 912
-
60 198
-
social contributions
3 798
-
3 802
-
income
4 114
-
9 684
-
total
7 912
-
13 486
-
Employer
37 912
-
60 198
-
social contributions
3 798
-
3 802
-
total
3 798
-
3 802
-
Corporate
22 289
64 000
-
-
income
7 801
22 400
-
-
total
7 801
22 400
-
-
Dividends
14 489
41 600
-
-
social contributions
2 467
4 366
-
-
total
2 467
4 366
-
-
Income
64 000
64 000
64 000
64 000
Total tax
21 978
26 766
17 288
28 958
After tax
42 022
37 234
46 712
35 042
Living cost
30 000
30 000
30 000
30 000
Free-cash
12 022
7 234
16 712
5 042

Estimated living cost  is ₽30000 per week

₽19761
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2365
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽460
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.
₽7413
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
₽24652
₽23576
₽21522
₽21950
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
social contributions
-
-
-
8 833
health
-
-
-
4 467
total
-
-
-
22 900
Employee
28 021
-
64 000
-
income
4 674
-
8 524
-
social contributions
3 867
-
8 833
-
health
1 956
-
4 467
-
total
10 497
-
21 824
-
Employer
28 021
-
64 000
-
total
-
-
-
-
Corporate
35 979
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%.

1 799
3 199
-
-
total
1 799
3 199
-
-
Dividends
34 180
60 801
-
-
withholding
5 127
9 120
-
-
health
2 385
4 244
-
-
social contributions
4 718
8 391
-
-
total
12 230
21 755
-
-
Income
64 000
64 000
64 000
64 000
Total tax
24 526
24 954
21 824
22 900
After tax
39 474
39 046
42 176
41 100
Living cost
17 524
17 524
17 524
17 524
Free-cash
21 950
21 522
24 652
23 576

Estimated living cost  is ₽17524 per week

₽11728
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1081
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.
₽4311
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
₽9807
₽8500
₽21393
₽13304
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
social contributions
-
-
-
18 688
solidarity contribution
-
-
-
-
health
-
-
-
8 640
total
-
-
-
32 829
Employee
33 340
-
47 761
-
solidarity contribution
-
-
-
-
income
4 001
-
5 731
-
social contributions
2 167
-
3 104
-
health
4 501
-
6 448
-
total
10 669
-
15 283
-
Employer
33 340
-
47 761
-
social contributions
8 335
-
11 940
-
health
3 001
-
4 299
-
total
11 336
-
16 239
-
Corporate
19 325
64 000
-
-
income
3 672
12 160
-
-
total
3 672
12 160
-
-
Dividends
15 653
51 840
-
-
withholding
2 348
7 776
-
-
total
2 348
7 776
-
-
Income
64 000
64 000
64 000
64 000
Total tax
28 025
19 936
31 522
32 829
After tax
35 975
44 064
32 478
31 171
Living cost
22 671
22 671
22 671
22 671
Free-cash
13 304
21 393
9 807
8 500

Estimated living cost  is ₽22671 per week

₽16860
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1256
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽392
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.
₽4163
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
₽41557
₽53717
₽51157
₽49349
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
12 054
-
64 000
-
income
2 411
-
12 800
-
total
2 411
-
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%.

51 946
64 000
-
-
total
-
-
-
-
Dividends
51 946
64 000
-
-
withholding
2 597
3 200
-
-
total
2 597
3 200
-
-
Income
64 000
64 000
64 000
64 000
Total tax
5 008
3 200
12 800
640
After tax
58 992
60 800
51 200
63 360
Living cost
9 643
9 643
9 643
9 643
Free-cash
49 349
51 157
41 557
53 717

Estimated living cost  is ₽9643 per week

₽6526
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽405
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽323
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.
₽2389
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
-₽1760
-₽2982
-₽7660
-₽3927
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
-
-
-
3 519
social contributions
-
-
-
1 822
health
-
-
-
554
surtax
-
-
-
-
pensions
-
-
-
19 187
other
-
-
-
1 984
total
-
-
-
27 066
Employee
51 761
-
48 768
-
income
4 516
-
3 706
-
social contributions
1 474
-
1 390
-
surtax
-
-
-
-
pensions
5 855
-
5 516
-
total
11 845
-
10 612
-
Employer
51 761
-
48 768
-
unemployment
2 097
-
1 975
-
social contributions
155
-
146
-
pensions
8 505
-
8 014
-
other
1 786
-
1 683
-
health
3 623
-
3 414
-
total
16 166
-
15 232
-
Corporate
-
64 000
-
-
income
-
17 920
-
-
surtax
-
-
-
-
total
-
17 920
-
-
Dividends
-
46 080
-
-
withholding
-
5 898
-
-
surtax
-
-
-
-
social contributions
-
7 926
-
-
total
-
13 824
-
-
Income
64 000
64 000
64 000
64 000
Total tax
28 011
31 744
25 844
27 066
After tax
35 989
32 256
38 156
36 934
Living cost
39 916
39 916
39 916
39 916
Free-cash
-3 927
-7 660
-1 760
-2 982

Estimated living cost  is ₽39916 per week

₽27014
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3265
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽547
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.
₽9088
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
₽19011
₽17395
₽31997
₽27945
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
income
-
-
-
9 355
health
-
-
-
6 269
unemployment
-
-
-
913
pensions
-
-
-
15 825
total
-
-
-
32 362
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.

21 478
-
54 283
-
income
2 961
-
10 226
-
health
1 106
-
2 796
-
unemployment
161
-
407
-
pensions
3 007
-
7 600
-
total
7 235
-
21 029
-
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.

21 478
-
54 283
-
unemployment
161
-
407
-
pensions
2 577
-
6 514
-
health
1 106
-
2 796
-
total
3 844
-
9 717
-
Corporate
38 678
64 000
-
-
income
5 802
9 600
-
-
total
5 802
9 600
-
-
Dividends
32 876
54 400
-
-
withholding
4 931
8 160
-
-
total
4 931
8 160
-
-
Income
64 000
64 000
64 000
64 000
Total tax
21 812
17 760
30 746
32 362
After tax
42 188
46 240
33 254
31 638
Living cost
14 243
14 243
14 243
14 243
Free-cash
27 945
31 997
19 011
17 395

Estimated living cost  is ₽14243 per week

₽9590
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1102
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽412
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.
₽3139
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
-₽7375
-₽4105
-₽28578
-₽10140
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
regional
-
-
-
1 949
national
-
-
-
280
health
-
-
-
189
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.

-
-
-
1 281
pensions
-
-
-
5 888
total
-
-
-
10 261
Employee
67 693
-
57 283
-
regional
2 217
-
1 652
-
city
726
-
615
-
health
153
-
129
-
unemployment
-
-
-
-
national
320
-
237
-
pensions
5 687
-
4 812
-
total
9 103
-
7 445
-
Employer
67 693
-
57 283
-
unemployment
-
-
-
-
pensions
5 687
-
4 812
-
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.

1 353
-
1 145
-
health
153
-
129
-
total
7 193
-
6 086
-
Corporate
-
64 000
-
-
regional
-
13 536
-
-
national
-
5 440
-
-
total
-
18 976
-
-
Dividends
-
45 024
-
-
withholding
-
15 758
-
-
total
-
15 758
-
-
Income
64 000
64 000
64 000
64 000
Total tax
16 296
34 734
13 531
10 261
After tax
47 704
29 266
50 469
53 739
Living cost
57 844
57 844
57 844
57 844
Free-cash
-10 140
-28 578
-7 375
-4 105

Estimated living cost  is ₽57844 per week

₽37615
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5191
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽710
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.
₽14328
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
₽6257
₽15610
₽11910
₽8522
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
-
-
-
11 405
national
-
-
-
4 616
health
-
-
-
640
total
-
-
-
16 661
Employee
43 481
-
53 842
-
health
325
-
485
-
unemployment
652
-
808
-
national
718
-
2 124
-
municipal
7 122
-
8 805
-
pensions
2 934
-
3 634
-
total
11 751
-
15 856
-
Employer
43 481
-
53 842
-
unemployment
282
-
350
-
pensions
7 544
-
9 341
-
accident
44
-
53
-
health
334
-
414
-
total
8 204
-
10 158
-
Corporate
12 316
64 000
-
-
income
2 464
12 801
-
-
total
2 464
12 801
-
-
Dividends

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

7 389
38 400
-
-
national
-
648
-
-
municipal
1 330
6 912
-
-
total
1 330
7 560
-
-
Income
64 000
64 000
64 000
64 000
Total tax
23 749
20 361
26 014
16 661
After tax
40 251
43 639
37 986
47 339
Living cost
31 729
31 729
31 729
31 729
Free-cash
8 522
11 910
6 257
15 610

Estimated living cost  is ₽31729 per week

₽20725
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3052
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽505
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.
₽7448
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
-₽4066
₽1780
₽5828
-₽12322
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
national
-
-
-
19 809
social contributions
-
-
-
8 977
communal

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

-
-
-
3 301
total
-
-
-
32 087
Employee

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

59 116
-
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.

2 777
-
2 329
-
communal

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

3 083
-
2 586
-
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.

514
-
431
-
national
18 174
-
14 440
-
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.

4 434
-
3 718
-
total
28 982
-
23 504
-
Employer

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

59 116
-
49 571
-
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.

863
-
723
-
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.

5 238
-
4 391
-
surtax
6 703
-
5 621
-
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.

768
-
645
-
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.

3 635
-
3 049
-
total
17 207
-
14 429
-
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.

-
14 982
-
-
total
-
14 982
-
-
Income
64 000
64 000
64 000
64 000
Total tax
46 189
28 039
37 933
32 087
After tax
17 811
35 961
26 067
31 913
Living cost
30 133
30 133
30 133
30 133
Free-cash
-12 322
5 828
-4 066
1 780

Estimated living cost  is ₽30133 per week

₽19410
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2635
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽472
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7617
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
₽194
-₽2080
₽961
₽198
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
-
-
-
13 556
national
-
-
-
-
health
-
-
-
3 994
accident
-
-
-
128
unemployment
-
-
-
64
pensions
-
-
-
6 918
other
-
-
-
7 437
total
-
-
-
32 097
Employee
48 422
-
48 699
-
national
-
-
-
-
municipal
14 440
-
14 522
-
total
14 440
-
14 522
-
Employer
48 422
-
48 699
-
unemployment
1 278
-
1 286
-
pensions
5 234
-
5 264
-
other
5 627
-
5 659
-
accident
97
-
97
-
health
2 978
-
2 995
-
total
15 214
-
15 301
-
Corporate
363
64 000
-
-
income
80
14 080
-
-
total
80
14 080
-
-
Dividends
283
49 920
-
-
withholding
85
14 976
-
-
total
85
14 976
-
-
Income
64 000
64 000
64 000
64 000
Total tax
29 819
29 056
29 823
32 097
After tax
34 181
34 944
34 177
31 903
Living cost
33 983
33 983
33 983
33 983
Free-cash
198
961
194
-2 080

Estimated living cost  is ₽33983 per week

₽22522
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3335
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽516
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.
₽7610
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
₽14766
₽6498
₽1207
-₽66381
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
54 100
-
-
-
income
11 933
-
-
-
social contributions
4 436
-
632
-
total
16 369
-
632
-
Employer
54 100
-
-
-
social contributions
76 281
-
10 871
-
total
76 281
-
10 871
-
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
92 650
25 062
11 503
19 771
After tax
-28 650
38 938
52 497
44 229
Living cost
37 731
37 731
37 731
37 731
Free-cash
-66 381
1 207
14 766
6 498

Estimated living cost  is ₽37731 per week

₽24481
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3549
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽481
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.
₽9220
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
₽19440
₽20794
₽18506
₽16722
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
-
-
-
4 783
social contributions
-
-
-
9 984
health
-
-
-
1 633
total
-
-
-
16 400
Employee
63 549
63 549
63 549
-
income
6 673
5 883
6 046
-
social contributions
3 088
5 274
4 823
-
health
632
1 081
988
-
total
10 393
12 238
11 857
-
Employer
63 549
63 549
63 549
-
social contributions
3 088
5 274
4 823
-
health
688
1 176
1 074
-
total
3 776
6 450
5 897
-
Corporate
23 025
-
-
-
income
2 878
-
-
-
total
2 878
-
-
-
Dividends
20 147
-
-
-
withholding
3 425
-
-
-
total
3 425
-
-
-
Income
64 000
64 000
64 000
64 000
Total tax
20 472
18 688
17 754
16 400
After tax
43 528
45 312
46 246
47 600
Living cost
26 805
26 805
26 805
26 805
Free-cash
16 722
18 506
19 440
20 794

Estimated living cost  is ₽26805 per week

₽18324
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2094
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.
₽5938
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
₽10467
₽17503
₽17776
₽13193
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
-
-
-
11 919
pensions
-
-
-
4 403
total
-
-
-
16 322
Employee
41 420
-
56 638
-
income
7 543
-
10 160
-
health
540
-
852
-
pensions
3 161
-
4 988
-
total
11 244
-
16 000
-
Employer
41 420
-
56 638
-
pensions
4 185
-
6 283
-
health
787
-
1 075
-
total
4 972
-
7 358
-
Corporate
17 608
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.

3 346
12 161
-
-
total
3 346
12 161
-
-
Dividends
14 263
51 839
-
-
withholding
1 070
3 888
-
-
total
1 070
3 888
-
-
Income
64 000
64 000
64 000
64 000
Total tax
20 632
16 049
23 358
16 322
After tax
43 368
47 951
40 642
47 678
Living cost
30 175
30 175
30 175
30 175
Free-cash
13 193
17 776
10 467
17 503

Estimated living cost  is ₽30175 per week

₽20700
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2775
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽378
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.
₽6321
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
-₽2319
₽788
₽788
-₽5641
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
-
-
-
1 106
national
-
-
-
12 294
social contributions
-
-
-
16 461
total
-
-
-
30 289
Employee
69 641
-
64 000
-
regional
1 051
-
923
-
social contributions
23 482
-
21 580
-
national
11 769
-
10 512
-
municipal
416
-
381
-
total
36 718
-
33 396
-
Employer
69 641
-
64 000
-
total
-
-
-
-
Corporate
-
64 000
-
-
nationa
-
15 360
-
-
municipal
-
3 085
-
-
total
-
18 445
-
-
Dividends
-
45 555
-
-
withholding
-
11 844
-
-
total
-
11 844
-
-
Income
64 000
64 000
64 000
64 000
Total tax
36 718
30 289
33 396
30 289
After tax
27 282
33 711
30 604
33 711
Living cost
32 923
32 923
32 923
32 923
Free-cash
-5 641
788
-2 319
788

Estimated living cost  is ₽32923 per week

₽23126
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2265
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽497
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.
₽7034
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
₽14881
₽26740
-₽12094
₽2533
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
-
-
-
14 512
health
-
-
-
1 713
accident
-
-
-
198
pensions
-
-
-
3 268
other
-
-
-
291
total
-
-
-
19 982
Employee
27 179
-
53 165
-
income
3 729
-
8 931
-
health
3 112
-
6 088
-
pensions
3 060
-
5 986
-
total
9 901
-
21 005
-
Employer
27 179
-
53 165
-
unemployment
666
-
1 303
-
pensions
4 420
-
8 645
-
accident
454
-
888
-
total
5 540
-
10 836
-
Corporate
31 282
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.

28 154
57 600
-
-
total
28 154
57 600
-
-
Dividends
3 128
6 400
-
-
withholding
594
1 216
-
-
total
594
1 216
-
-
Income
64 000
64 000
64 000
64 000
Total tax
44 189
58 816
31 841
19 982
After tax
19 811
5 184
32 159
44 018
Living cost
17 278
17 278
17 278
17 278
Free-cash
2 533
-12 094
14 881
26 740

Estimated living cost  is ₽17278 per week

₽12663
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽957
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.
₽3297
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
₽15460
₽11790
₽1163
₽11979
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
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.

-
-
-
10 415
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.

-
-
-
5 646
trade
-
-
-
3 670
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.

-
-
-
572
total
-
-
-
20 303
Employee

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

41 120
-
64 000
-
income

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

3 381
-
10 415
-
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.

5 646
-
5 646
-
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.

187
-
572
-
total
9 214
-
16 633
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
22 880
64 000
-
-
chamber of commerce
158
220
-
-
income
3 431
9 600
-
-
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.

188
529
-
-
trade
3 282
9 184
-
-
total
7 059
19 533
-
-
Dividends
15 819
44 468
-
-
withholding
3 640
10 803
-
-
surtax

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

201
594
-
-
total
3 841
11 397
-
-
Income
64 000
64 000
64 000
64 000
Total tax
20 114
30 930
16 633
20 303
After tax
43 886
33 070
47 367
43 697
Living cost
31 907
31 907
31 907
31 907
Free-cash
11 979
1 163
15 460
11 790

Estimated living cost  is ₽31907 per week

₽22010
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3433
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽463
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6000
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
₽19093
₽17185
₽34006
₽27227
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
microenterprise
-
-
-
-
income
-
-
-
9 046
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
-
-
-
29 622
Employee
24 149
-
51 576
-
income
4 299
-
9 617
-
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.

2 657
-
5 673
-
surtax
-
-
-
-
total
6 956
-
15 290
-
Employer
24 149
-
51 576
-
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.

5 817
-
12 424
-
surtax
-
-
-
-
total
5 817
-
12 424
-
Corporate
34 034
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%.

6 807
12 801
-
-
total
6 807
12 801
-
-
Dividends

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

27 228
51 199
-
-
total
-
-
-
-
Income
64 000
64 000
64 000
64 000
Total tax
19 580
12 801
27 714
29 622
After tax
44 420
51 199
36 286
34 378
Living cost
17 193
17 193
17 193
17 193
Free-cash
27 227
34 006
19 093
17 185

Estimated living cost  is ₽17193 per week

₽10969
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1637
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.
₽4197
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
₽23896
₽24655
₽29261
₽27507
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
-
-
-
15 237
health
-
-
-
5 646
pensions
-
-
-
7 787
total
-
-
-
28 670
Employee
16 260
-
55 240
-
income
3 145
-
14 828
-
health
813
-
1 947
-
unemployment
163
-
389
-
pensions
1 463
-
3 504
-
total
5 584
-
20 668
-
Employer
16 260
-
55 240
-
unemployment
325
-
779
-
pensions
1 789
-
4 283
-
health
1 545
-
3 699
-
total
3 659
-
8 761
-
Corporate
44 081
64 000
-
-
income
9 698
14 080
-
-
total
9 698
14 080
-
-
Dividends
34 384
49 920
-
-
withholding
6 877
9 984
-
-
total
6 877
9 984
-
-
Income
64 000
64 000
64 000
64 000
Total tax
25 818
24 064
29 429
28 670
After tax
38 182
39 936
34 571
35 330
Living cost
10 675
10 675
10 675
10 675
Free-cash
27 507
29 261
23 896
24 655

Estimated living cost  is ₽10675 per week

₽6344
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽865
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽244
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.
₽3221
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
₽14799
₽16223
₽21693
₽19063
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
-
-
-
10 652
health
-
-
-
4 543
unemployment
-
-
-
188
surtax
-
-
-
1 030
pensions
-
-
-
12 801
other
-
-
-
-
total
-
-
-
29 214
Employee
27 832
-
52 870
-
other
-
-
-
-
income
4 666
-
10 028
-
health
710
-
1 349
-
unemployment
1 937
-
3 679
-
surtax
99
-
924
-
pensions
1 857
-
3 527
-
total
9 269
-
19 507
-
Employer
27 832
-
52 870
-
unemployment
883
-
1 677
-
pensions
3 711
-
7 048
-
other
-
-
-
-
health
1 266
-
2 406
-
total
5 860
-
11 131
-
Corporate
30 309
64 000
-
-
income
7 881
16 640
-
-
total
7 881
16 640
-
-
Dividends
22 428
47 360
-
-
withholding
3 364
7 104
-
-
total
3 364
7 104
-
-
Income
64 000
64 000
64 000
64 000
Total tax
26 374
23 744
30 638
29 214
After tax
37 626
40 256
33 362
34 786
Living cost
18 563
18 563
18 563
18 563
Free-cash
19 063
21 693
14 799
16 223

Estimated living cost  is ₽18563 per week

₽11207
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1614
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽431
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.
₽5312
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
-₽4417
₽7941
₽9913
₽9504
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
-
-
-
7 633
chamber of commerce
-
-
-
256
health
-
-
-