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
₽ 64500
per

Your estimated
City
free-cash

Valencia , Spain
₽17830
₽13240
₽12784
₽21940
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
-
-
-
64 500
unemployment
-
-
-
452
income
-
-
-
10 817
other
-
-
-
64
accident
-
-
-
580
pensions
-
-
-
18 253
total
-
-
-
30 166
Employee
28 977
-
48 909
-
unemployment
449
-
758
-
pensions
1 362
-
2 299
-
income
5 587
-
11 013
-
other
28
-
49
-
total
7 426
-
14 119
-
Employer
28 977
-
48 909
-
pensions
6 838
-
11 542
-
accident
574
-
968
-
unemployment
1 594
-
2 690
-
other
232
-
391
-
total
9 238
-
15 591
-
Corporate
26 285
64 500
-
-
income

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

3 942
9 675
-
-
total
3 942
9 675
-
-
Dividends
22 343
54 825
-
-
withholding
4 514
11 335
-
-
total
4 514
11 335
-
-
Income
64 500
64 500
64 500
64 500
Total tax
25 120
21 010
29 710
30 166
After tax
39 380
43 490
34 790
34 334
Living cost
21 550
21 550
21 550
21 550
Free-cash
17 830
21 940
13 240
12 784

Estimated living cost  is ₽21550 per week

₽14546
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2072
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.
₽4555
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
₽21213
₽16926
₽14044
₽26507
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
-
-
-
64 500
pensions

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

-
-
-
15 480
income
-
-
-
8 193
other
-
-
-
3 064
health
-
-
-
2 837
total
-
-
-
29 574
Employee
28 454
-
51 517
-
health
399
-
721
-
unemployment
284
-
515
-
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.

1 991
-
3 606
-
income
4 899
-
8 868
-
total
7 573
-
13 710
-
Employer
28 454
-
51 517
-
health
399
-
721
-
pensions

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

4 838
-
8 758
-
accident
228
-
412
-
unemployment
284
-
515
-
other
1 423
-
2 576
-
total
7 172
-
12 982
-
Corporate
28 875
64 500
-
-
income
6 063
13 545
-
-
total
6 063
13 545
-
-
Dividends
22 812
50 955
-
-
withholding
1 597
3 566
-
-
total
1 597
3 566
-
-
Income
64 500
64 500
64 500
64 500
Total tax
22 405
17 111
26 692
29 574
After tax
42 095
47 389
37 808
34 926
Living cost
20 882
20 882
20 882
20 882
Free-cash
21 213
26 507
16 926
14 044

Estimated living cost  is ₽20882 per week

₽14754
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1410
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽336
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.
₽4381
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
₽41236
₽38986
₽37248
₽44876
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
-
-
-
64 500
pensions

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

-
-
-
4 050
unemployment
-
-
-
109
income
-
-
-
9 675
health
-
-
-
3 147
total
-
-
-
16 981
Employee
13 600
-
59 132
-
health
626
-
1 259
-
accident

We are using the highest rate at 1.1%.

150
-
301
-
pensions

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

1 194
-
2 403
-
income
1 360
-
5 913
-
total
3 330
-
9 876
-
Employer
13 600
-
59 132
-
health
939
-
1 888
-
pensions

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

1 499
-
3 015
-
accident

We are using the highest rate at 1.1%.

150
-
301
-
unemployment
81
-
164
-
total
2 669
-
5 368
-
Corporate
48 232
64 500
-
-
income
4 823
6 450
-
-
total
4 823
6 450
-
-
Dividends
43 409
58 050
-
-
withholding
2 171
2 903
-
-
total
2 171
2 903
-
-
Income
64 500
64 500
64 500
64 500
Total tax
12 993
9 353
15 244
16 981
After tax
51 507
55 147
49 256
47 519
Living cost
10 270
10 270
10 270
10 270
Free-cash
41 236
44 876
38 986
37 248

Estimated living cost  is ₽10270 per week

₽5996
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽733
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽272
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.
₽3269
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
₽10325
₽11079
₽10637
₽5696
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
-
-
-
64 500
income
-
-
-
4 144
other
-
-
-
2 000
health
-
-
-
558
social contributions
-
-
-
1 838
pensions
-
-
-
18 511
surtax
-
-
-
-
total
-
-
-
27 051
Employee
33 540
-
49 153
-
pensions
3 792
-
5 559
-
income
1 979
-
4 302
-
social contributions
956
-
1 399
-
surtax
-
-
-
-
total
6 727
-
11 260
-
Employer
33 540
-
49 153
-
health
2 348
-
3 441
-
social contributions
101
-
147
-
pensions
5 510
-
8 075
-
unemployment
1 358
-
1 991
-
other
1 157
-
1 695
-
total
10 474
-
15 349
-
Corporate
20 486
64 500
-
-
income
5 736
18 060
-
-
surtax
-
-
-
-
total
5 736
18 060
-
-
Dividends
14 750
46 440
-
-
social contributions
2 537
7 988
-
-
surtax
-
-
-
-
withholding
1 889
5 944
-
-
total
4 426
13 932
-
-
Income
64 500
64 500
64 500
64 500
Total tax
27 363
31 992
26 609
27 051
After tax
37 137
32 508
37 891
37 449
Living cost
26 812
26 812
26 812
26 812
Free-cash
10 325
5 696
11 079
10 637

Estimated living cost  is ₽26812 per week

₽16906
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2180
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.
₽7271
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
-₽13320
-₽13320
₽3859
-₽8921
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
-
-
-
64 500
pensions
-
-
-
9 182
income
-
-
-
10 031
health
-
-
-
8 599
total
-
-
-
27 812
Employee
66 922
66 922
66 922
-
health
10 272
8 737
10 272
-
pensions
12 046
9 182
12 046
-
income

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

10 954
10 954
10 954
-
total
33 272
28 873
33 272
-
Employer
66 922
66 922
66 922
-
health
4 652
4 652
4 652
-
pensions
4 658
4 658
4 658
-
unemployment
2 409
2 409
2 409
-
total
11 719
11 719
11 719
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
64 500
64 500
64 500
64 500
Total tax
44 991
40 592
44 991
27 812
After tax
19 509
23 908
19 509
36 688
Living cost
32 829
32 829
32 829
32 829
Free-cash
-13 320
-8 921
-13 320
3 859

Estimated living cost  is ₽32829 per week

₽23265
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2959
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽522
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.
₽6082
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
₽17583
₽23604
₽19184
₽8917
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.

-
-
-
64 500
trade
-
-
-
4 420
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.

-
-
-
11 189
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.

-
-
-
5 354
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.

-
-
-
616
total
-
-
-
21 579
Employee

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

29 974
-
64 500
-
health

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

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

5 354
-
5 354
-
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.

837
-
11 189
-
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.

46
-
616
-
total
6 237
-
17 159
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
34 526
64 500
-
-
income
5 178
9 675
-
-
trade
5 439
10 159
-
-
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.

286
532
-
-
chamber of commerce
168
211
-
-
total
11 071
20 577
-
-
Dividends
23 456
43 922
-
-
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.

306
587
-
-
withholding
5 566
10 682
-
-
total
5 872
11 269
-
-
Income
64 500
64 500
64 500
64 500
Total tax
23 180
31 846
17 159
21 579
After tax
41 320
32 654
47 341
42 921
Living cost
23 737
23 737
23 737
23 737
Free-cash
17 583
8 917
23 604
19 184

Estimated living cost  is ₽23737 per week

₽14931
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2768
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽443
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.
₽5595
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
₽24886
₽28929
₽29332
₽28636
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
-
-
-
64 500
income
-
-
-
5 317
health
-
-
-
1 645
social contributions
-
-
-
10 062
total
-
-
-
17 024
Employee
60 260
60 260
60 260
-
health
467
1 025
995
-
income
6 561
5 578
5 629
-
social contributions
2 278
5 001
4 860
-
total
9 306
11 604
11 484
-
Employer
60 260
60 260
60 260
-
health
507
1 115
1 083
-
social contributions
2 278
5 001
4 860
-
total
2 785
6 116
5 943
-
Corporate
34 264
-
-
-
income
4 283
-
-
-
total
4 283
-
-
-
Dividends
29 981
-
-
-
withholding
5 096
-
-
-
total
5 096
-
-
-
Income
64 500
64 500
64 500
64 500
Total tax
21 470
17 720
17 427
17 024
After tax
43 030
46 780
47 073
47 476
Living cost
18 144
18 144
18 144
18 144
Free-cash
24 886
28 636
28 929
29 332

Estimated living cost  is ₽18144 per week

₽10874
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1780
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽402
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.
₽5089
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
₽11318
₽9117
₽11877
₽12106
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.

-
-
-
64 500
income
-
-
-
5 628
social contributions

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

-
-
-
22 414
surtax
-
-
-
-
total
-
-
-
28 042
Employee
36 043
-
52 121
-
income
7 497
-
12 690
-
social contributions
3 965
-
5 733
-
surtax
-
-
-
-
total
11 462
-
18 423
-
Employer
36 043
-
52 121
-
social contributions
8 560
-
12 379
-
total
8 560
-
12 379
-
Corporate
19 897
64 500
-
-
income
4 179
13 545
-
-
surtax
-
-
-
-
total
4 179
13 545
-
-
Dividends
15 718
50 955
-
-
withholding
4 400
14 268
-
-
total
4 400
14 268
-
-
Income
64 500
64 500
64 500
64 500
Total tax
28 601
27 813
30 802
28 042
After tax
35 899
36 687
33 698
36 458
Living cost
24 581
24 581
24 581
24 581
Free-cash
11 318
12 106
9 117
11 877

Estimated living cost  is ₽24581 per week

₽18392
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1450
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽410
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4329
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
₽54062
₽45526
₽57781
₽55201
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%.

-
-
-
64 500
microenterprise

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

-
-
-
645
total
-
-
-
645
Employee
7 592
-
64 500
-
income
1 518
-
12 900
-
total
1 518
-
12 900
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

56 908
64 500
-
-
total
-
-
-
-
Dividends
56 908
64 500
-
-
withholding
2 846
3 225
-
-
total
2 846
3 225
-
-
Income
64 500
64 500
64 500
64 500
Total tax
4 364
3 225
12 900
645
After tax
60 136
61 275
51 600
63 855
Living cost
6 074
6 074
6 074
6 074
Free-cash
54 062
55 201
45 526
57 781

Estimated living cost  is ₽6074 per week

₽3764
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽505
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.
₽1638
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
₽16832
₽11108
₽12958
₽23387
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.

-
-
-
64 500
pensions
-
-
-
11 780
unemployment
-
-
-
97
income
-
-
-
12 298
health
-
-
-
6 347
total
-
-
-
30 522
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.

34 654
-
55 809
-
health
2 238
-
3 606
-
unemployment
49
-
79
-
pensions
5 372
-
8 651
-
income
5 976
-
11 345
-
total
13 635
-
23 681
-
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.

34 654
-
55 809
-
health
2 308
-
3 718
-
pensions
3 067
-
4 939
-
unemployment
21
-
34
-
total
5 396
-
8 691
-
Corporate
24 451
64 500
-
-
income
4 646
12 256
-
-
total
4 646
12 256
-
-
Dividends
19 805
52 244
-
-
withholding
2 971
7 837
-
-
total
2 971
7 837
-
-
Income
64 500
64 500
64 500
64 500
Total tax
26 648
20 093
32 372
30 522
After tax
37 852
44 407
32 128
33 978
Living cost
21 020
21 020
21 020
21 020
Free-cash
16 832
23 387
11 108
12 958

Estimated living cost  is ₽21020 per week

₽14425
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1347
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.
₽4841
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
₽13784
₽18707
₽8791
₽9338
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.

-
-
-
64 500
income
-
-
-
22 307
health

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

-
-
-
4 955
total
-
-
-
27 262
Employee
35 950
-
60 895
-
social contributions
3 602
-
3 605
-
income
3 901
-
10 136
-
total
7 503
-
13 741
-
Employer
35 950
-
60 895
-
social contributions
3 602
-
3 605
-
total
3 602
-
3 605
-
Corporate
24 948
64 500
-
-
income
8 731
22 575
-
-
total
8 731
22 575
-
-
Dividends
16 217
41 925
-
-
social contributions
2 433
4 140
-
-
total
2 433
4 140
-
-
Income
64 500
64 500
64 500
64 500
Total tax
22 269
26 715
17 346
27 262
After tax
42 231
37 785
47 154
37 238
Living cost
28 447
28 447
28 447
28 447
Free-cash
13 784
9 338
18 707
8 791

Estimated living cost  is ₽28447 per week

₽18738
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2243
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽436
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7030
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
₽23142
₽25636
₽24805
₽22733
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
-
-
-
64 500
income
-
-
-
9 675
health
-
-
-
4 502
social contributions
-
-
-
8 901
total
-
-
-
23 078
Employee
26 571
-
64 500
-
health
1 854
-
4 502
-
income
4 432
-
8 844
-
social contributions
3 667
-
8 901
-
total
9 953
-
22 247
-
Employer
26 571
-
64 500
-
total
-
-
-
-
Corporate
37 929
64 500
-
-
income

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

1 896
3 226
-
-
total
1 896
3 226
-
-
Dividends
36 033
61 274
-
-
social contributions
4 973
8 456
-
-
withholding
5 404
9 191
-
-
health
2 515
4 277
-
-
total
12 892
21 924
-
-
Income
64 500
64 500
64 500
64 500
Total tax
24 741
25 150
22 247
23 078
After tax
39 759
39 350
42 253
41 422
Living cost
16 617
16 617
16 617
16 617
Free-cash
23 142
22 733
25 636
24 805

Estimated living cost  is ₽16617 per week

₽11121
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1025
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽382
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4088
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
₽14647
₽10794
₽9477
₽22471
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
-
-
-
64 500
income
-
-
-
5 544
health
-
-
-
8 708
social contributions
-
-
-
18 834
solidarity contribution
-
-
-
-
total
-
-
-
33 086
Employee
32 261
-
48 134
-
health
4 355
-
6 498
-
solidarity contribution
-
-
-
-
income
3 871
-
5 776
-
social contributions
2 097
-
3 129
-
total
10 323
-
15 403
-
Employer
32 261
-
48 134
-
health
2 903
-
4 332
-
social contributions
8 065
-
12 034
-
total
10 968
-
16 366
-
Corporate
21 271
64 500
-
-
income
4 041
12 255
-
-
total
4 041
12 255
-
-
Dividends
17 229
52 245
-
-
withholding
2 584
7 837
-
-
total
2 584
7 837
-
-
Income
64 500
64 500
64 500
64 500
Total tax
27 916
20 092
31 769
33 086
After tax
36 584
44 408
32 731
31 414
Living cost
21 937
21 937
21 937
21 937
Free-cash
14 647
22 471
10 794
9 477

Estimated living cost  is ₽21937 per week

₽16314
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1215
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽380
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.
₽4029
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
₽50036
₽42135
₽54390
₽51810
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%.

-
-
-
64 500
microenterprise

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

-
-
-
645
total
-
-
-
645
Employee
11 832
-
64 500
-
income
2 366
-
12 900
-
total
2 366
-
12 900
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

52 668
64 500
-
-
total
-
-
-
-
Dividends
52 668
64 500
-
-
withholding
2 633
3 225
-
-
total
2 633
3 225
-
-
Income
64 500
64 500
64 500
64 500
Total tax
4 999
3 225
12 900
645
After tax
59 501
61 275
51 600
63 855
Living cost
9 465
9 465
9 465
9 465
Free-cash
50 036
51 810
42 135
54 390

Estimated living cost  is ₽9465 per week

₽6405
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽397
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽317
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.
₽2345
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
₽46
₽41
-₽401
-₽5342
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
-
-
-
64 500
income
-
-
-
4 144
other
-
-
-
2 000
health
-
-
-
558
social contributions
-
-
-
1 838
pensions
-
-
-
18 511
surtax
-
-
-
-
total
-
-
-
27 051
Employee
49 083
-
49 153
-
pensions
5 552
-
5 559
-
income
4 283
-
4 302
-
social contributions
1 398
-
1 399
-
surtax
-
-
-
-
total
11 233
-
11 260
-
Employer
49 083
-
49 153
-
health
3 435
-
3 441
-
social contributions
147
-
147
-
pensions
8 065
-
8 075
-
unemployment
1 988
-
1 991
-
other
1 694
-
1 695
-
total
15 329
-
15 349
-
Corporate
88
64 500
-
-
income
25
18 060
-
-
surtax
-
-
-
-
total
25
18 060
-
-
Dividends
63
46 440
-
-
social contributions
10
7 988
-
-
surtax
-
-
-
-
withholding
7
5 944
-
-
total
17
13 932
-
-
Income
64 500
64 500
64 500
64 500
Total tax
26 604
31 992
26 609
27 051
After tax
37 896
32 508
37 891
37 449
Living cost
37 850
37 850
37 850
37 850
Free-cash
46
-5 342
41
-401

Estimated living cost  is ₽37850 per week

₽25616
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3096
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽519
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.
₽8618
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
₽29244
₽19709
₽18962
₽33089
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.

-
-
-
64 500
pensions
-
-
-
15 013
unemployment
-
-
-
866
income
-
-
-
10 199
health
-
-
-
5 948
total
-
-
-
32 026
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.

20 376
-
54 707
-
health
1 049
-
2 817
-
unemployment
153
-
410
-
pensions
2 853
-
7 659
-
income
2 809
-
10 601
-
total
6 864
-
21 487
-
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.

20 376
-
54 707
-
health
1 049
-
2 817
-
pensions
2 445
-
6 565
-
unemployment
153
-
410
-
total
3 647
-
9 792
-
Corporate
40 477
64 500
-
-
income
6 072
9 675
-
-
total
6 072
9 675
-
-
Dividends
34 406
54 825
-
-
withholding
5 161
8 224
-
-
total
5 161
8 224
-
-
Income
64 500
64 500
64 500
64 500
Total tax
21 744
17 899
31 279
32 026
After tax
42 756
46 601
33 221
32 474
Living cost
13 512
13 512
13 512
13 512
Free-cash
29 244
33 089
19 709
18 962

Estimated living cost  is ₽13512 per week

₽9098
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1045
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.
₽2978
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
-₽3802
-₽2572
₽734
-₽23795
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
-
-
-
64 500
pensions
-
-
-
5 934
city
-
-
-
679
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.

-
-
-
1 291
health
-
-
-
174
regional
-
-
-
2 090
national
-
-
-
309
total
-
-
-
10 477
Employee
62 361
-
57 731
-
health
141
-
130
-
unemployment
-
-
-
-
city
669
-
620
-
pensions
5 239
-
4 849
-
regional
2 042
-
1 792
-
national
295
-
258
-
total
8 386
-
7 649
-
Employer
62 361
-
57 731
-
health
141
-
130
-
pensions
5 239
-
4 849
-
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.

1 247
-
1 155
-
total
6 627
-
6 134
-
Corporate
-
64 500
-
-
regional
-
13 641
-
-
national
-
5 483
-
-
total
-
19 124
-
-
Dividends
-
45 376
-
-
withholding
-
15 882
-
-
total
-
15 882
-
-
Income
64 500
64 500
64 500
64 500
Total tax
15 013
35 006
13 783
10 477
After tax
49 487
29 494
50 717
54 023
Living cost
53 289
53 289
53 289
53 289
Free-cash
-3 802
-23 795
-2 572
734

Estimated living cost  is ₽53289 per week

₽34653
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4782
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽654
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.
₽13199
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
₽10719
₽7808
₽17233
₽13796
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

-
-
-
64 500
municipal
-
-
-
11 490
health
-
-
-
666
national
-
-
-
5 024
total
-
-
-
17 180
Employee
41 230
-
54 261
-
health
308
-
509
-
unemployment
619
-
813
-
pensions
2 782
-
3 663
-
national
681
-
2 513
-
municipal
6 753
-
8 869
-
total
11 143
-
16 367
-
Employer
41 230
-
54 261
-
health
317
-
418
-
pensions
7 153
-
9 414
-
accident
42
-
54
-
unemployment
268
-
352
-
total
7 780
-
10 238
-
Corporate
15 490
64 500
-
-
income
3 098
12 900
-
-
total
3 098
12 900
-
-
Dividends

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

9 294
38 700
-
-
municipal
1 673
6 966
-
-
national
-
751
-
-
total
1 673
7 717
-
-
Income
64 500
64 500
64 500
64 500
Total tax
23 694
20 617
26 605
17 180
After tax
40 806
43 883
37 895
47 320
Living cost
30 087
30 087
30 087
30 087
Free-cash
10 719
13 796
7 808
17 233

Estimated living cost  is ₽30087 per week

₽19653
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2894
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽479
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.
₽7063
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
-₽7875
-₽2599
₽3161
₽7652
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
-
-
-
64 500
communal

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

-
-
-
3 312
social contributions
-
-
-
9 313
national
-
-
-
20 140
total
-
-
-
32 765
Employee

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

56 056
-
49 957
-
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.

2 634
-
2 348
-
communal

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

2 924
-
2 605
-
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.

488
-
434
-
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.

4 204
-
3 746
-
national
17 234
-
14 849
-
total
27 484
-
23 982
-
Employer

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

56 056
-
49 957
-
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.

3 447
-
3 072
-
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.

4 967
-
4 426
-
surtax
6 356
-
5 666
-
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.

729
-
650
-
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.

818
-
729
-
total
16 317
-
14 543
-
Corporate
-
64 500
-
-
income
-
12 900
-
-
surtax
-
257
-
-
total
-
13 157
-
-
Dividends
-
51 343
-
-
withholding

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

-
15 117
-
-
total
-
15 117
-
-
Income
64 500
64 500
64 500
64 500
Total tax
43 801
28 274
38 525
32 765
After tax
20 699
36 226
25 975
31 735
Living cost
28 574
28 574
28 574
28 574
Free-cash
-7 875
7 652
-2 599
3 161

Estimated living cost  is ₽28574 per week

₽18405
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2498
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽448
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7223
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
₽440
₽432
-₽1861
₽1204
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
-
-
-
64 500
unemployment
-
-
-
65
municipal
-
-
-
13 662
other
-
-
-
7 495
health
-
-
-
4 025
national
-
-
-
-
accident
-
-
-
129
pensions
-
-
-
6 972
total
-
-
-
32 348
Employee
48 465
-
49 079
-
national
-
-
-
-
municipal
14 452
-
14 635
-
total
14 452
-
14 635
-
Employer
48 465
-
49 079
-
health
2 981
-
3 018
-
pensions
5 239
-
5 305
-
accident
97
-
98
-
unemployment
1 279
-
1 296
-
other
5 632
-
5 703
-
total
15 228
-
15 420
-
Corporate
808
64 500
-
-
income
178
14 190
-
-
total
178
14 190
-
-
Dividends
630
50 310
-
-
withholding
189
15 093
-
-
total
189
15 093
-
-
Income
64 500
64 500
64 500
64 500
Total tax
30 047
29 283
30 055
32 348
After tax
34 453
35 217
34 445
32 152
Living cost
34 013
34 013
34 013
34 013
Free-cash
440
1 204
432
-1 861

Estimated living cost  is ₽34013 per week

₽22542
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3338
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽517
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.
₽7616
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
-₽66388
₽15074
₽6698
₽1365
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
-
-
-
64 500
income
-
-
-
12 572
social contributions
-
-
-
7 353
total
-
-
-
19 925
Employee
54 310
-
-
-
income
11 980
-
-
-
social contributions
4 453
-
635
-
total
16 433
-
635
-
Employer
54 310
-
-
-
social contributions
76 578
-
10 914
-
total
76 578
-
10 914
-
Corporate
-
64 500
-
-
income
-
14 190
-
-
total
-
14 190
-
-
Dividends
-
50 310
-
-
income
-
11 068
-
-
total
-
11 068
-
-
Income
64 500
64 500
64 500
64 500
Total tax
93 011
25 258
11 549
19 925
After tax
-28 511
39 242
52 951
44 575
Living cost
37 877
37 877
37 877
37 877
Free-cash
-66 388
1 365
15 074
6 698

Estimated living cost  is ₽37877 per week

₽24576
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3562
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽483
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.
₽9256
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
₽18625
₽21655
₽22058
₽21362
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
-
-
-
64 500
income
-
-
-
5 317
health
-
-
-
1 645
social contributions
-
-
-
10 062
total
-
-
-
17 024
Employee
60 260
60 260
60 260
-
health
599
1 025
995
-
income
6 328
5 578
5 629
-
social contributions
2 928
5 001
4 860
-
total
9 855
11 604
11 484
-
Employer
60 260
60 260
60 260
-
health
653
1 115
1 083
-
social contributions
2 928
5 001
4 860
-
total
3 581
6 116
5 943
-
Corporate
25 645
-
-
-
income
3 206
-
-
-
total
3 206
-
-
-
Dividends
22 439
-
-
-
withholding
3 815
-
-
-
total
3 815
-
-
-
Income
64 500
64 500
64 500
64 500
Total tax
20 457
17 720
17 427
17 024
After tax
44 043
46 780
47 073
47 476
Living cost
25 418
25 418
25 418
25 418
Free-cash
18 625
21 362
21 655
22 058

Estimated living cost  is ₽25418 per week

₽17376
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1985
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽427
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5630
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
₽15915
₽12626
₽19832
₽20190
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
-
-
-
64 500
income
-
-
-
11 991
pensions
-
-
-
4 541
total
-
-
-
16 532
Employee
38 621
-
56 981
-
health
504
-
881
-
pensions
2 948
-
5 151
-
income
7 033
-
10 189
-
total
10 485
-
16 221
-
Employer
38 621
-
56 981
-
health
734
-
1 083
-
pensions
3 902
-
6 434
-
total
4 636
-
7 517
-
Corporate
21 243
64 500
-
-
income

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

4 037
12 255
-
-
total
4 037
12 255
-
-
Dividends
17 206
52 245
-
-
withholding
1 291
3 919
-
-
total
1 291
3 919
-
-
Income
64 500
64 500
64 500
64 500
Total tax
20 449
16 174
23 738
16 532
After tax
44 051
48 326
40 762
47 968
Living cost
28 136
28 136
28 136
28 136
Free-cash
15 915
20 190
12 626
19 832

Estimated living cost  is ₽28136 per week

₽19301
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2587
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽352
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.
₽5894
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
-₽1537
-₽584
₽2367
₽2756
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
-
-
-
64 500
municipal
-
-
-
431
regional
-
-
-
1 161
social contributions
-
-
-
16 589
national
-
-
-
12 733
total
-
-
-
30 914
Employee
66 037
-
64 500
-
social contributions
22 267
-
21 750
-
regional
997
-
957
-
national
11 160
-
10 773
-
municipal
394
-
385
-
total
34 818
-
33 865
-
Employer
66 037
-
64 500
-
total
-
-
-
-
Corporate
-
64 500
-
-
nationa
-
15 480
-
-
municipal
-
3 108
-
-
total
-
18 588
-
-
Dividends
-
45 912
-
-
withholding
-
11 937
-
-
total
-
11 937
-
-
Income
64 500
64 500
64 500
64 500
Total tax
34 818
30 525
33 865
30 914
After tax
29 682
33 975
30 635
33 586
Living cost
31 219
31 219
31 219
31 219
Free-cash
-1 537
2 756
-584
2 367

Estimated living cost  is ₽31219 per week

₽21930
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2147
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽471
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6670
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
₽2656
₽15856
₽27606
-₽11512
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
-
-
-
64 500
pensions
-
-
-
3 165
income
-
-
-
14 859
other
-
-
-
282
health
-
-
-
1 659
accident
-
-
-
192
total
-
-
-
20 157
Employee
26 328
-
53 898
-
health
3 015
-
6 172
-
pensions
2 965
-
5 804
-
income
3 612
-
9 329
-
total
9 592
-
21 305
-
Employer
26 328
-
53 898
-
pensions
4 281
-
8 381
-
accident
440
-
900
-
unemployment
645
-
1 321
-
total
5 366
-
10 602
-
Corporate
32 807
64 500
-
-
income

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

29 526
58 050
-
-
total
29 526
58 050
-
-
Dividends
3 281
6 450
-
-
withholding
623
1 225
-
-
total
623
1 225
-
-
Income
64 500
64 500
64 500
64 500
Total tax
45 107
59 275
31 907
20 157
After tax
19 393
5 225
32 593
44 343
Living cost
16 737
16 737
16 737
16 737
Free-cash
2 656
-11 512
15 856
27 606

Estimated living cost  is ₽16737 per week

₽12267
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽927
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽349
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.
₽3194
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
₽13314
₽17086
₽13059
₽3061
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.

-
-
-
64 500
trade
-
-
-
4 027
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.

-
-
-
11 189
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.

-
-
-
5 354
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.

-
-
-
616
total
-
-
-
21 186
Employee

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

38 992
-
64 500
-
health

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

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

5 354
-
5 354
-
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.

3 206
-
11 189
-
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.

177
-
616
-
total
8 737
-
17 159
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
25 508
64 500
-
-
income
3 826
9 675
-
-
trade
3 660
9 256
-
-
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.

211
532
-
-
chamber of commerce
156
214
-
-
total
7 853
19 677
-
-
Dividends
17 654
44 822
-
-
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.

226
599
-
-
withholding
4 115
10 908
-
-
total
4 341
11 507
-
-
Income
64 500
64 500
64 500
64 500
Total tax
20 931
31 184
17 159
21 186
After tax
43 569
33 316
47 341
43 314
Living cost
30 255
30 255
30 255
30 255
Free-cash
13 314
3 061
17 086
13 059

Estimated living cost  is ₽30255 per week

₽20871
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3255
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽439
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.
₽5690
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
₽28868
₽20208
₽18287
₽35296
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.

-
-
-
64 500
income
-
-
-
9 172
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.

-
-
-
20 737
surtax
-
-
-
-
total
-
-
-
29 909
Employee
22 899
-
51 978
-
income
4 076
-
9 748
-
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.

2 519
-
5 718
-
surtax
-
-
-
-
total
6 595
-
15 466
-
Employer
22 899
-
51 978
-
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.

5 516
-
12 522
-
surtax
-
-
-
-
total
5 516
-
12 522
-
Corporate
36 085
64 500
-
-
income

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

7 217
12 900
-
-
total
7 217
12 900
-
-
Dividends

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

28 868
51 600
-
-
total
-
-
-
-
Income
64 500
64 500
64 500
64 500
Total tax
19 328
12 900
27 988
29 909
After tax
45 172
51 600
36 512
34 591
Living cost
16 304
16 304
16 304
16 304
Free-cash
28 868
35 296
20 208
18 287

Estimated living cost  is ₽16304 per week

₽10401
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1553
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽370
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.
₽3980
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
₽28904
₽25767
₽26461
₽30505
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
-
-
-
64 500
income
-
-
-
16 037
health
-
-
-
5 152
pensions
-
-
-
7 107
total
-
-
-
28 296
Employee
14 840
-
56 505
-
health
742
-
1 777
-
unemployment
148
-
355
-
pensions
1 336
-
3 198
-
income
2 871
-
15 664
-
total
5 097
-
20 994
-
Employer
14 840
-
56 505
-
health
1 410
-
3 376
-
pensions
1 632
-
3 909
-
unemployment
297
-
711
-
total
3 339
-
7 996
-
Corporate
46 321
64 500
-
-
income
10 191
14 190
-
-
total
10 191
14 190
-
-
Dividends
36 131
50 310
-
-
withholding
7 226
10 062
-
-
total
7 226
10 062
-
-
Income
64 500
64 500
64 500
64 500
Total tax
25 853
24 252
28 990
28 296
After tax
38 647
40 248
35 510
36 204
Living cost
9 743
9 743
9 743
9 743
Free-cash
28 904
30 505
25 767
26 461

Estimated living cost  is ₽9743 per week

₽5790
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽790
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽223
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.
₽2940
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
₽20475
₽15772
₽17006
₽22968
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
-
-
-
64 500
pensions
-
-
-
12 900
unemployment
-
-
-
178
income
-
-
-
11 085
other
-
-
-
-
health
-
-
-
4 579
surtax
-
-
-
1 150
total
-
-
-
29 892
Employee
26 391
-
53 282
-
health
674
-
1 358
-
unemployment
1 837
-
3 709
-
pensions
1 761
-
3 554
-
income
4 424
-
10 279
-
other
-
-
-
-
surtax
94
-
1 008
-
total
8 790
-
19 908
-
Employer
26 391
-
53 282
-
health
1 200
-
2 426
-
pensions
3 519
-
7 103
-
unemployment
837
-
1 689
-
other
-
-
-
-
total
5 556
-
11 218
-
Corporate
32 553
64 500
-
-
income
8 463
16 771
-
-
total
8 463
16 771
-
-
Dividends
24 089
47 729
-
-
withholding
3 614
7 159
-
-
total
3 614
7 159
-
-
Income
64 500
64 500
64 500
64 500
Total tax
26 423
23 930
31 126
29 892
After tax
38 077
40 570
33 374
34 608
Living cost
17 602
17 602
17 602
17 602
Free-cash
20 475
22 968
15 772
17 006

Estimated living cost  is ₽17602 per week

₽10627
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1530
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽409
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.
₽5037
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
₽11084
-₽3352
₽9346
₽11472
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
-
-
-
64 500
pensions
-
-
-
11 933
chamber of commerce
-
-
-
257
unemployment
-
-
-
4 806 </