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
₽ 65000
per

Your estimated
City
free-cash

Valencia , Spain
₽18165
₽13489
₽13029
₽22276
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
-
-
-
65 000
unemployment
-
-
-
455
income
-
-
-
10 922
other
-
-
-
65
accident
-
-
-
584
pensions
-
-
-
18 395
total
-
-
-
30 421
Employee
28 977
-
49 287
-
unemployment
449
-
764
-
pensions
1 362
-
2 317
-
income
5 587
-
11 119
-
other
28
-
49
-
total
7 426
-
14 249
-
Employer
28 977
-
49 287
-
pensions
6 838
-
11 631
-
accident
574
-
976
-
unemployment
1 594
-
2 711
-
other
232
-
394
-
total
9 238
-
15 712
-
Corporate
26 785
65 000
-
-
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.

4 018
9 750
-
-
total
4 018
9 750
-
-
Dividends
22 767
55 250
-
-
withholding
4 603
11 424
-
-
total
4 603
11 424
-
-
Income
65 000
65 000
65 000
65 000
Total tax
25 285
21 174
29 961
30 421
After tax
39 715
43 826
35 039
34 579
Living cost
21 550
21 550
21 550
21 550
Free-cash
18 165
22 276
13 489
13 029

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
₽21580
₽17220
₽14315
₽26873
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
-
-
-
65 000
pensions

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

-
-
-
15 599
income
-
-
-
8 257
other
-
-
-
3 087
health
-
-
-
2 860
total
-
-
-
29 803
Employee
28 454
-
51 917
-
health
399
-
727
-
unemployment
284
-
519
-
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
-
3 633
-
income
4 899
-
8 938
-
total
7 573
-
13 817
-
Employer
28 454
-
51 917
-
health
399
-
727
-
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
-
8 825
-
accident
228
-
415
-
unemployment
284
-
519
-
other
1 423
-
2 595
-
total
7 172
-
13 081
-
Corporate
29 375
65 000
-
-
income
6 169
13 651
-
-
total
6 169
13 651
-
-
Dividends
23 206
51 349
-
-
withholding
1 624
3 594
-
-
total
1 624
3 594
-
-
Income
65 000
65 000
65 000
65 000
Total tax
22 538
17 245
26 898
29 803
After tax
42 462
47 755
38 102
35 197
Living cost
20 882
20 882
20 882
20 882
Free-cash
21 580
26 873
17 220
14 315

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
₽41664
₽39436
₽37673
₽45304
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
-
-
-
65 000
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
-
-
-
9 750
health
-
-
-
3 147
total
-
-
-
17 056
Employee
13 600
-
59 632
-
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
-
5 963
-
total
3 330
-
9 926
-
Employer
13 600
-
59 632
-
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
48 732
65 000
-
-
income
4 873
6 500
-
-
total
4 873
6 500
-
-
Dividends
43 858
58 500
-
-
withholding
2 193
2 925
-
-
total
2 193
2 925
-
-
Income
65 000
65 000
65 000
65 000
Total tax
13 065
9 425
15 294
17 056
After tax
51 935
55 575
49 706
47 944
Living cost
10 270
10 270
10 270
10 270
Free-cash
41 664
45 304
39 436
37 673

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
₽10576
₽11306
₽10935
₽5950
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
-
-
-
65 000
income
-
-
-
4 272
other
-
-
-
2 015
health
-
-
-
562
social contributions
-
-
-
1 853
pensions
-
-
-
18 551
surtax
-
-
-
-
total
-
-
-
27 253
Employee
33 540
-
49 531
-
pensions
3 792
-
5 601
-
income
1 979
-
4 400
-
social contributions
956
-
1 411
-
surtax
-
-
-
-
total
6 727
-
11 412
-
Employer
33 540
-
49 531
-
health
2 348
-
3 467
-
social contributions
101
-
149
-
pensions
5 510
-
8 139
-
unemployment
1 358
-
2 006
-
other
1 157
-
1 709
-
total
10 474
-
15 470
-
Corporate
20 986
65 000
-
-
income
5 876
18 200
-
-
surtax
-
-
-
-
total
5 876
18 200
-
-
Dividends
15 110
46 800
-
-
social contributions
2 600
8 048
-
-
surtax
-
-
-
-
withholding
1 935
5 990
-
-
total
4 535
14 038
-
-
Income
65 000
65 000
65 000
65 000
Total tax
27 612
32 238
26 882
27 253
After tax
37 388
32 762
38 118
37 747
Living cost
26 812
26 812
26 812
26 812
Free-cash
10 576
5 950
11 306
10 935

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
-₽12820
-₽12820
₽4141
-₽8421
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
-
-
-
65 000
pensions
-
-
-
9 182
income
-
-
-
10 221
health
-
-
-
8 627
total
-
-
-
28 030
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
65 000
65 000
65 000
65 000
Total tax
44 991
40 592
44 991
28 030
After tax
20 009
24 408
20 009
36 970
Living cost
32 829
32 829
32 829
32 829
Free-cash
-12 820
-8 421
-12 820
4 141

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
₽17834
₽23919
₽19420
₽9164
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.

-
-
-
65 000
trade
-
-
-
4 499
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.

-
-
-
11 365
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.

-
-
-
625
total
-
-
-
21 843
Employee

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

29 974
-
65 000
-
health

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

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

5 354
-
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
-
11 365
-
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
-
625
-
total
6 237
-
17 344
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
35 026
65 000
-
-
income
5 254
9 750
-
-
trade
5 517
10 238
-
-
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.

289
537
-
-
chamber of commerce
170
213
-
-
total
11 230
20 738
-
-
Dividends
23 797
44 263
-
-
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.

311
592
-
-
withholding
5 651
10 769
-
-
total
5 962
11 361
-
-
Income
65 000
65 000
65 000
65 000
Total tax
23 429
32 099
17 344
21 843
After tax
41 571
32 901
47 656
43 157
Living cost
23 737
23 737
23 737
23 737
Free-cash
17 834
9 164
23 919
19 420

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
₽25249
₽29350
₽29640
₽29136
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
-
-
-
65 000
income
-
-
-
5 419
health
-
-
-
1 658
social contributions
-
-
-
10 139
total
-
-
-
17 216
Employee
60 260
60 260
60 260
-
health
467
1 025
1 004
-
income
6 561
5 578
5 616
-
social contributions
2 278
5 001
4 897
-
total
9 306
11 604
11 517
-
Employer
60 260
60 260
60 260
-
health
507
1 115
1 092
-
social contributions
2 278
5 001
4 897
-
total
2 785
6 116
5 989
-
Corporate
34 764
-
-
-
income
4 345
-
-
-
total
4 345
-
-
-
Dividends
30 418
-
-
-
withholding
5 171
-
-
-
total
5 171
-
-
-
Income
65 000
65 000
65 000
65 000
Total tax
21 607
17 720
17 506
17 216
After tax
43 393
47 280
47 494
47 784
Living cost
18 144
18 144
18 144
18 144
Free-cash
25 249
29 136
29 350
29 640

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
₽11602
₽9344
₽12148
₽12390
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.

-
-
-
65 000
income
-
-
-
5 684
social contributions

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

-
-
-
22 587
surtax
-
-
-
-
total
-
-
-
28 271
Employee
36 043
-
52 526
-
income
7 497
-
12 823
-
social contributions
3 965
-
5 778
-
surtax
-
-
-
-
total
11 462
-
18 601
-
Employer
36 043
-
52 526
-
social contributions
8 560
-
12 474
-
total
8 560
-
12 474
-
Corporate
20 397
65 000
-
-
income
4 283
13 651
-
-
surtax
-
-
-
-
total
4 283
13 651
-
-
Dividends
16 114
51 349
-
-
withholding
4 512
14 378
-
-
total
4 512
14 378
-
-
Income
65 000
65 000
65 000
65 000
Total tax
28 817
28 029
31 075
28 271
After tax
36 183
36 971
33 925
36 729
Living cost
24 581
24 581
24 581
24 581
Free-cash
11 602
12 390
9 344
12 148

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
₽54537
₽45926
₽58276
₽55676
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%.

-
-
-
65 000
microenterprise

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

-
-
-
650
total
-
-
-
650
Employee
7 592
-
65 000
-
income
1 518
-
13 000
-
total
1 518
-
13 000
-
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%.

57 408
65 000
-
-
total
-
-
-
-
Dividends
57 408
65 000
-
-
withholding
2 871
3 250
-
-
total
2 871
3 250
-
-
Income
65 000
65 000
65 000
65 000
Total tax
4 389
3 250
13 000
650
After tax
60 611
61 750
52 000
64 350
Living cost
6 074
6 074
6 074
6 074
Free-cash
54 537
55 676
45 926
58 276

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
₽17177
₽11331
₽13196
₽23733
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.

-
-
-
65 000
pensions
-
-
-
11 870
unemployment
-
-
-
98
income
-
-
-
12 420
health
-
-
-
6 396
total
-
-
-
30 784
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
-
56 242
-
health
2 238
-
3 633
-
unemployment
49
-
79
-
pensions
5 372
-
8 718
-
income
5 976
-
11 461
-
total
13 635
-
23 891
-
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
-
56 242
-
health
2 308
-
3 746
-
pensions
3 067
-
4 978
-
unemployment
21
-
34
-
total
5 396
-
8 758
-
Corporate
24 951
65 000
-
-
income
4 741
12 349
-
-
total
4 741
12 349
-
-
Dividends
20 210
52 651
-
-
withholding
3 031
7 898
-
-
total
3 031
7 898
-
-
Income
65 000
65 000
65 000
65 000
Total tax
26 803
20 247
32 649
30 784
After tax
38 197
44 753
32 351
34 216
Living cost
21 020
21 020
21 020
21 020
Free-cash
17 177
23 733
11 331
13 196

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
₽14060
₽19082
₽9291
₽9662
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.

-
-
-
65 000
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
-
61 395
-
social contributions
3 602
-
3 605
-
income
3 901
-
10 261
-
total
7 503
-
13 866
-
Employer
35 950
-
61 395
-
social contributions
3 602
-
3 605
-
total
3 602
-
3 605
-
Corporate
25 448
65 000
-
-
income
8 907
22 751
-
-
total
8 907
22 751
-
-
Dividends
16 541
42 249
-
-
social contributions
2 481
4 140
-
-
total
2 481
4 140
-
-
Income
65 000
65 000
65 000
65 000
Total tax
22 493
26 891
17 471
27 262
After tax
42 507
38 109
47 529
37 738
Living cost
28 447
28 447
28 447
28 447
Free-cash
14 060
9 662
19 082
9 291

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
₽23448
₽25930
₽25125
₽23041
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
-
-
-
65 000
income
-
-
-
9 750
health
-
-
-
4 537
social contributions
-
-
-
8 971
total
-
-
-
23 258
Employee
26 571
-
65 000
-
health
1 854
-
4 537
-
income
4 432
-
8 945
-
social contributions
3 667
-
8 971
-
total
9 953
-
22 453
-
Employer
26 571
-
65 000
-
total
-
-
-
-
Corporate
38 429
65 000
-
-
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%.

1 921
3 249
-
-
total
1 921
3 249
-
-
Dividends
36 508
61 751
-
-
social contributions
5 038
8 521
-
-
withholding
5 476
9 262
-
-
health
2 547
4 310
-
-
total
13 061
22 093
-
-
Income
65 000
65 000
65 000
65 000
Total tax
24 935
25 342
22 453
23 258
After tax
40 065
39 658
42 547
41 742
Living cost
16 617
16 617
16 617
16 617
Free-cash
23 448
23 041
25 930
25 125

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
₽14991
₽11047
₽9721
₽22816
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
-
-
-
65 000
income
-
-
-
5 587
health
-
-
-
8 775
social contributions
-
-
-
18 980
solidarity contribution
-
-
-
-
total
-
-
-
33 342
Employee
32 261
-
48 507
-
health
4 355
-
6 549
-
solidarity contribution
-
-
-
-
income
3 871
-
5 821
-
social contributions
2 097
-
3 153
-
total
10 323
-
15 523
-
Employer
32 261
-
48 507
-
health
2 903
-
4 366
-
social contributions
8 065
-
12 127
-
total
10 968
-
16 493
-
Corporate
21 771
65 000
-
-
income
4 136
12 350
-
-
total
4 136
12 350
-
-
Dividends
17 634
52 650
-
-
withholding
2 645
7 897
-
-
total
2 645
7 897
-
-
Income
65 000
65 000
65 000
65 000
Total tax
28 072
20 247
32 016
33 342
After tax
36 928
44 753
32 984
31 658
Living cost
21 937
21 937
21 937
21 937
Free-cash
14 991
22 816
11 047
9 721

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
₽50511
₽42535
₽54885
₽52285
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%.

-
-
-
65 000
microenterprise

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

-
-
-
650
total
-
-
-
650
Employee
11 832
-
65 000
-
income
2 366
-
13 000
-
total
2 366
-
13 000
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

53 168
65 000
-
-
total
-
-
-
-
Dividends
53 168
65 000
-
-
withholding
2 658
3 250
-
-
total
2 658
3 250
-
-
Income
65 000
65 000
65 000
65 000
Total tax
5 024
3 250
13 000
650
After tax
59 976
61 750
52 000
64 350
Living cost
9 465
9 465
9 465
9 465
Free-cash
50 511
52 285
42 535
54 885

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
₽298
₽268
-₽103
-₽5088
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
-
-
-
65 000
income
-
-
-
4 272
other
-
-
-
2 015
health
-
-
-
562
social contributions
-
-
-
1 853
pensions
-
-
-
18 551
surtax
-
-
-
-
total
-
-
-
27 253
Employee
49 083
-
49 531
-
pensions
5 552
-
5 601
-
income
4 283
-
4 400
-
social contributions
1 398
-
1 411
-
surtax
-
-
-
-
total
11 233
-
11 412
-
Employer
49 083
-
49 531
-
health
3 435
-
3 467
-
social contributions
147
-
149
-
pensions
8 065
-
8 139
-
unemployment
1 988
-
2 006
-
other
1 694
-
1 709
-
total
15 329
-
15 470
-
Corporate
588
65 000
-
-
income
165
18 200
-
-
surtax
-
-
-
-
total
165
18 200
-
-
Dividends
423
46 800
-
-
social contributions
71
8 048
-
-
surtax
-
-
-
-
withholding
54
5 990
-
-
total
125
14 038
-
-
Income
65 000
65 000
65 000
65 000
Total tax
26 852
32 238
26 882
27 253
After tax
38 148
32 762
38 118
37 747
Living cost
37 850
37 850
37 850
37 850
Free-cash
298
-5 088
268
-103

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
₽29605
₽19930
₽19287
₽33450
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.

-
-
-
65 000
pensions
-
-
-
15 013
unemployment
-
-
-
866
income
-
-
-
10 374
health
-
-
-
5 948
total
-
-
-
32 201
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
-
55 131
-
health
1 049
-
2 839
-
unemployment
153
-
413
-
pensions
2 853
-
7 718
-
income
2 809
-
10 720
-
total
6 864
-
21 690
-
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
-
55 131
-
health
1 049
-
2 839
-
pensions
2 445
-
6 616
-
unemployment
153
-
413
-
total
3 647
-
9 868
-
Corporate
40 977
65 000
-
-
income
6 147
9 750
-
-
total
6 147
9 750
-
-
Dividends
34 831
55 250
-
-
withholding
5 225
8 288
-
-
total
5 225
8 288
-
-
Income
65 000
65 000
65 000
65 000
Total tax
21 883
18 038
31 558
32 201
After tax
43 117
46 962
33 442
32 799
Living cost
13 512
13 512
13 512
13 512
Free-cash
29 605
33 450
19 930
19 287

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
-₽3302
-₽2190
₽1134
-₽23566
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
-
-
-
65 000
pensions
-
-
-
5 980
city
-
-
-
684
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.

-
-
-
1 300
health
-
-
-
174
regional
-
-
-
2 117
national
-
-
-
322
total
-
-
-
10 577
Employee
62 361
-
58 177
-
health
141
-
131
-
unemployment
-
-
-
-
city
669
-
625
-
pensions
5 239
-
4 887
-
regional
2 042
-
1 815
-
national
295
-
262
-
total
8 386
-
7 720
-
Employer
62 361
-
58 177
-
health
141
-
131
-
pensions
5 239
-
4 887
-
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
-
1 163
-
total
6 627
-
6 181
-
Corporate
-
65 000
-
-
regional
-
13 748
-
-
national
-
5 525
-
-
total
-
19 273
-
-
Dividends
-
45 727
-
-
withholding
-
16 004
-
-
total
-
16 004
-
-
Income
65 000
65 000
65 000
65 000
Total tax
15 013
35 277
13 901
10 577
After tax
49 987
29 723
51 099
54 423
Living cost
53 289
53 289
53 289
53 289
Free-cash
-3 302
-23 566
-2 190
1 134

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
₽11066
₽8051
₽17552
₽14124
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

-
-
-
65 000
municipal
-
-
-
11 579
health
-
-
-
674
national
-
-
-
5 108
total
-
-
-
17 361
Employee
41 230
-
54 681
-
health
308
-
515
-
unemployment
619
-
821
-
pensions
2 782
-
3 691
-
national
681
-
2 579
-
municipal
6 753
-
8 938
-
total
11 143
-
16 544
-
Employer
41 230
-
54 681
-
health
317
-
421
-
pensions
7 153
-
9 487
-
accident
42
-
55
-
unemployment
268
-
355
-
total
7 780
-
10 318
-
Corporate
15 990
65 000
-
-
income
3 197
13 001
-
-
total
3 197
13 001
-
-
Dividends

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

9 595
38 999
-
-
municipal
1 727
7 019
-
-
national
-
769
-
-
total
1 727
7 788
-
-
Income
65 000
65 000
65 000
65 000
Total tax
23 847
20 789
26 862
17 361
After tax
41 153
44 211
38 138
47 639
Living cost
30 087
30 087
30 087
30 087
Free-cash
11 066
14 124
8 051
17 552

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
-₽7375
-₽2428
₽3357
₽7929
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
-
-
-
65 000
communal

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

-
-
-
3 334
social contributions
-
-
-
9 418
national
-
-
-
20 317
total
-
-
-
33 069
Employee

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

56 056
-
50 340
-
health

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

2 634
-
2 366
-
communal

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

2 924
-
2 626
-
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
-
437
-
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
-
3 776
-
national
17 234
-
14 997
-
total
27 484
-
24 202
-
Employer

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

56 056
-
50 340
-
health

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

3 447
-
3 095
-
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
-
4 460
-
surtax
6 356
-
5 708
-
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
-
654
-
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
-
735
-
total
16 317
-
14 652
-
Corporate
-
65 000
-
-
income
-
13 001
-
-
surtax
-
260
-
-
total
-
13 261
-
-
Dividends
-
51 739
-
-
withholding

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

-
15 236
-
-
total
-
15 236
-
-
Income
65 000
65 000
65 000
65 000
Total tax
43 801
28 497
38 854
33 069
After tax
21 199
36 503
26 146
31 931
Living cost
28 574
28 574
28 574
28 574
Free-cash
-7 375
7 929
-2 428
3 357

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
₽713
₽697
-₽1612
₽1477
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
-
-
-
65 000
unemployment
-
-
-
65
municipal
-
-
-
13 768
other
-
-
-
7 553
health
-
-
-
4 056
national
-
-
-
-
accident
-
-
-
130
pensions
-
-
-
7 027
total
-
-
-
32 599
Employee
48 465
-
49 460
-
national
-
-
-
-
municipal
14 452
-
14 749
-
total
14 452
-
14 749
-
Employer
48 465
-
49 460
-
health
2 981
-
3 042
-
pensions
5 239
-
5 347
-
accident
97
-
99
-
unemployment
1 279
-
1 306
-
other
5 632
-
5 747
-
total
15 228
-
15 541
-
Corporate
1 308
65 000
-
-
income
288
14 300
-
-
total
288
14 300
-
-
Dividends
1 020
50 700
-
-
withholding
306
15 210
-
-
total
306
15 210
-
-
Income
65 000
65 000
65 000
65 000
Total tax
30 274
29 510
30 290
32 599
After tax
34 726
35 490
34 710
32 401
Living cost
34 013
34 013
34 013
34 013
Free-cash
713
1 477
697
-1 612

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
-₽65888
₽15574
₽7043
₽1669
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
-
-
-
65 000
income
-
-
-
12 670
social contributions
-
-
-
7 410
total
-
-
-
20 080
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
-
65 000
-
-
income
-
14 300
-
-
total
-
14 300
-
-
Dividends
-
50 700
-
-
income
-
11 154
-
-
total
-
11 154
-
-
Income
65 000
65 000
65 000
65 000
Total tax
93 011
25 454
11 549
20 080
After tax
-28 011
39 546
53 451
44 920
Living cost
37 877
37 877
37 877
37 877
Free-cash
-65 888
1 669
15 574
7 043

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
₽18988
₽22076
₽22366
₽21862
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
-
-
-
65 000
income
-
-
-
5 419
health
-
-
-
1 658
social contributions
-
-
-
10 139
total
-
-
-
17 216
Employee
60 260
60 260
60 260
-
health
599
1 025
1 004
-
income
6 328
5 578
5 616
-
social contributions
2 928
5 001
4 897
-
total
9 855
11 604
11 517
-
Employer
60 260
60 260
60 260
-
health
653
1 115
1 092
-
social contributions
2 928
5 001
4 897
-
total
3 581
6 116
5 989
-
Corporate
26 145
-
-
-
income
3 269
-
-
-
total
3 269
-
-
-
Dividends
22 877
-
-
-
withholding
3 889
-
-
-
total
3 889
-
-
-
Income
65 000
65 000
65 000
65 000
Total tax
20 594
17 720
17 506
17 216
After tax
44 406
47 280
47 494
47 784
Living cost
25 418
25 418
25 418
25 418
Free-cash
18 988
21 862
22 076
22 366

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
₽16292
₽12923
₽20195
₽20565
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
-
-
-
65 000
income
-
-
-
12 083
pensions
-
-
-
4 586
total
-
-
-
16 669
Employee
38 621
-
57 415
-
health
504
-
889
-
pensions
2 948
-
5 203
-
income
7 033
-
10 264
-
total
10 485
-
16 356
-
Employer
38 621
-
57 415
-
health
734
-
1 091
-
pensions
3 902
-
6 494
-
total
4 636
-
7 585
-
Corporate
21 743
65 000
-
-
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.

4 130
12 350
-
-
total
4 130
12 350
-
-
Dividends
17 613
52 650
-
-
withholding
1 321
3 949
-
-
total
1 321
3 949
-
-
Income
65 000
65 000
65 000
65 000
Total tax
20 572
16 299
23 941
16 669
After tax
44 428
48 701
41 059
48 331
Living cost
28 136
28 136
28 136
28 136
Free-cash
16 292
20 565
12 923
20 195

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
-₽1037
-₽393
₽2580
₽3018
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
-
-
-
65 000
municipal
-
-
-
434
regional
-
-
-
1 174
social contributions
-
-
-
16 719
national
-
-
-
12 874
total
-
-
-
31 201
Employee
66 037
-
65 000
-
social contributions
22 267
-
21 918
-
regional
997
-
970
-
national
11 160
-
10 898
-
municipal
394
-
388
-
total
34 818
-
34 174
-
Employer
66 037
-
65 000
-
total
-
-
-
-
Corporate
-
65 000
-
-
nationa
-
15 600
-
-
municipal
-
3 133
-
-
total
-
18 733
-
-
Dividends
-
46 266
-
-
withholding
-
12 030
-
-
total
-
12 030
-
-
Income
65 000
65 000
65 000
65 000
Total tax
34 818
30 763
34 174
31 201
After tax
30 182
34 237
30 826
33 799
Living cost
31 219
31 219
31 219
31 219
Free-cash
-1 037
3 018
-393
2 580

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
₽2696
₽16147
₽27946
-₽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
-
-
-
65 000
pensions
-
-
-
3 165
income
-
-
-
15 019
other
-
-
-
282
health
-
-
-
1 659
accident
-
-
-
192
total
-
-
-
20 317
Employee
26 328
-
54 378
-
health
3 015
-
6 226
-
pensions
2 965
-
5 804
-
income
3 612
-
9 465
-
total
9 592
-
21 495
-
Employer
26 328
-
54 378
-
pensions
4 281
-
8 381
-
accident
440
-
908
-
unemployment
645
-
1 332
-
total
5 366
-
10 621
-
Corporate
33 307
65 000
-
-
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.

29 976
58 500
-
-
total
29 976
58 500
-
-
Dividends
3 331
6 500
-
-
withholding
633
1 235
-
-
total
633
1 235
-
-
Income
65 000
65 000
65 000
65 000
Total tax
45 567
59 735
32 116
20 317
After tax
19 433
5 265
32 884
44 683
Living cost
16 737
16 737
16 737
16 737
Free-cash
2 696
-11 472
16 147
27 946

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
₽13568
₽17401
₽13302
₽3317
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.

-
-
-
65 000
trade
-
-
-
4 099
income

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

-
-
-
11 365
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.

-
-
-
625
total
-
-
-
21 443
Employee

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

38 992
-
65 000
-
health

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

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

5 354
-
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
-
11 365
-
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
-
625
-
total
8 737
-
17 344
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
26 008
65 000
-
-
income
3 901
9 750
-
-
trade
3 733
9 327
-
-
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.

214
537
-
-
chamber of commerce
158
214
-
-
total
8 006
19 828
-
-
Dividends
18 002
45 172
-
-
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.

231
605
-
-
withholding
4 203
10 995
-
-
total
4 434
11 600
-
-
Income
65 000
65 000
65 000
65 000
Total tax
21 177
31 428
17 344
21 443
After tax
43 823
33 572
47 656
43 557
Living cost
30 255
30 255
30 255
30 255
Free-cash
13 568
3 317
17 401
13 302

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
₽29268
₽20486
₽18547
₽35695
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.

-
-
-
65 000
income
-
-
-
9 251
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.

-
-
-
20 898
surtax
-
-
-
-
total
-
-
-
30 149
Employee
22 899
-
52 381
-
income
4 076
-
9 830
-
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
-
5 761
-
surtax
-
-
-
-
total
6 595
-
15 591
-
Employer
22 899
-
52 381
-
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
-
12 619
-
surtax
-
-
-
-
total
5 516
-
12 619
-
Corporate
36 585
65 000
-
-
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%.

7 317
13 001
-
-
total
7 317
13 001
-
-
Dividends

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

29 268
51 999
-
-
total
-
-
-
-
Income
65 000
65 000
65 000
65 000
Total tax
19 428
13 001
28 210
30 149
After tax
45 572
51 999
36 790
34 851
Living cost
16 304
16 304
16 304
16 304
Free-cash
29 268
35 695
20 486
18 547

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
₽29216
₽26092
₽26786
₽30817
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
-
-
-
65 000
income
-
-
-
16 212
health
-
-
-
5 152
pensions
-
-
-
7 107
total
-
-
-
28 471
Employee
14 840
-
57 005
-
health
742
-
1 777
-
unemployment
148
-
355
-
pensions
1 336
-
3 198
-
income
2 871
-
15 839
-
total
5 097
-
21 169
-
Employer
14 840
-
57 005
-
health
1 410
-
3 376
-
pensions
1 632
-
3 909
-
unemployment
297
-
711
-
total
3 339
-
7 996
-
Corporate
46 821
65 000
-
-
income
10 301
14 300
-
-
total
10 301
14 300
-
-
Dividends
36 521
50 700
-
-
withholding
7 304
10 140
-
-
total
7 304
10 140
-
-
Income
65 000
65 000
65 000
65 000
Total tax
26 041
24 440
29 165
28 471
After tax
38 959
40 560
35 835
36 529
Living cost
9 743
9 743
9 743
9 743
Free-cash
29 216
30 817
26 092
26 786

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
₽20789
₽15970
₽17210
₽23282
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
-
-
-
65 000
pensions
-
-
-
13 001
unemployment
-
-
-
178
income
-
-
-
11 221
other
-
-
-
-
health
-
-
-
4 615
surtax
-
-
-
1 173
total
-
-
-
30 188
Employee
26 391
-
53 696
-
health
674
-
1 368
-
unemployment
1 837
-
3 737
-
pensions
1 761
-
3 581
-
income
4 424
-
10 407
-
other
-
-
-
-
surtax
94
-
1 031
-
total
8 790
-
20 124
-
Employer
26 391
-
53 696
-
health
1 200
-
2 443
-
pensions
3 519
-
7 158
-
unemployment
837
-
1 703
-
other
-
-
-
-
total
5 556
-
11 304
-
Corporate
33 053
65 000
-
-
income
8 594
16 900
-
-
total
8 594
16 900
-
-
Dividends
24 459
48 100
-
-
withholding
3 669
7 216
-
-
total
3 669
7 216
-
-
Income
65 000
65 000
65 000
65 000
Total tax
26 609
24 116
31 428
30 188
After tax
38 391
40 884
33 572
34 812
Living cost
17 602
17 602
17 602
17 602
Free-cash
20 789
23 282
15 970
17 210

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
₽11355
-₽3241
₽9582
₽11744
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
-
-
-
65 000
pensions
-
-
-
12 025
chamber of commerce
-
-
-
260
unemployment
-
-
-