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
₽ 65500
per

Your estimated
City
free-cash

Valencia , Spain
₽17365
₽12896
₽12435
₽21660
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
-
-
-
65 500
unemployment
-
-
-
458
income
-
-
-
10 906
other
-
-
-
65
accident
-
-
-
589
pensions
-
-
-
18 536
total
-
-
-
30 554
Employee
30 269
-
49 667
-
unemployment
469
-
771
-
pensions
1 423
-
2 335
-
income
5 836
-
11 104
-
other
30
-
50
-
total
7 758
-
14 260
-
Employer
30 269
-
49 667
-
pensions
7 143
-
11 721
-
accident
600
-
983
-
unemployment
1 665
-
2 731
-
other
242
-
398
-
total
9 650
-
15 833
-
Corporate
25 580
65 500
-
-
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.

3 837
9 824
-
-
total
3 837
9 824
-
-
Dividends
21 743
55 676
-
-
withholding
4 379
11 505
-
-
total
4 379
11 505
-
-
Income
65 500
65 500
65 500
65 500
Total tax
25 624
21 329
30 093
30 554
After tax
39 876
44 171
35 407
34 946
Living cost
22 511
22 511
22 511
22 511
Free-cash
17 365
21 660
12 896
12 435

Estimated living cost  is ₽22511 per week

₽15195
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2164
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽395
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4758
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
₽20780
₽16579
₽13654
₽26309
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
-
-
-
65 500
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.

-
-
-
15 720
income
-
-
-
8 319
other
-
-
-
3 112
health
-
-
-
2 882
total
-
-
-
30 033
Employee
29 723
-
52 317
-
health
416
-
732
-
unemployment
297
-
524
-
pensions

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

2 080
-
3 662
-
income
5 117
-
9 006
-
total
7 910
-
13 924
-
Employer
29 723
-
52 317
-
health
416
-
732
-
pensions

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

5 054
-
8 894
-
accident
238
-
418
-
unemployment
297
-
524
-
other
1 487
-
2 616
-
total
7 492
-
13 184
-
Corporate
28 286
65 500
-
-
income
5 941
13 755
-
-
total
5 941
13 755
-
-
Dividends
22 345
51 745
-
-
withholding
1 564
3 623
-
-
total
1 564
3 623
-
-
Income
65 500
65 500
65 500
65 500
Total tax
22 907
17 378
27 108
30 033
After tax
42 593
48 122
38 392
35 467
Living cost
21 813
21 813
21 813
21 813
Free-cash
20 780
26 309
16 579
13 654

Estimated living cost  is ₽21813 per week

₽15412
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1473
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽351
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.
₽4577
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
₽41449
₽39003
₽37285
₽45257
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
-
-
-
65 500
pensions

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

-
-
-
4 237
unemployment
-
-
-
115
income
-
-
-
9 825
health
-
-
-
3 292
total
-
-
-
17 469
Employee
14 230
-
59 883
-
health
655
-
1 317
-
accident

We are using the highest rate at 1.1%.

157
-
315
-
pensions

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

1 249
-
2 514
-
income
1 423
-
5 988
-
total
3 484
-
10 134
-
Employer
14 230
-
59 883
-
health
982
-
1 975
-
pensions

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

1 568
-
3 155
-
accident

We are using the highest rate at 1.1%.

157
-
315
-
unemployment
85
-
172
-
total
2 792
-
5 617
-
Corporate
48 478
65 500
-
-
income
4 848
6 550
-
-
total
4 848
6 550
-
-
Dividends
43 630
58 950
-
-
withholding
2 181
2 947
-
-
total
2 181
2 947
-
-
Income
65 500
65 500
65 500
65 500
Total tax
13 305
9 497
15 751
17 469
After tax
52 195
56 003
49 749
48 031
Living cost
10 746
10 746
10 746
10 746
Free-cash
41 449
45 257
39 003
37 285

Estimated living cost  is ₽10746 per week

₽6274
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽767
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽285
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.
₽3420
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
₽9839
₽10714
₽10082
₽5002
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
-
-
-
65 500
income
-
-
-
3 769
other
-
-
-
2 030
health
-
-
-
565
social contributions
-
-
-
1 866
pensions
-
-
-
19 180
surtax
-
-
-
-
total
-
-
-
27 410
Employee
35 036
-
49 915
-
pensions
3 961
-
5 645
-
income
2 068
-
4 122
-
social contributions
999
-
1 423
-
surtax
-
-
-
-
total
7 028
-
11 190
-
Employer
35 036
-
49 915
-
health
2 453
-
3 494
-
social contributions
106
-
149
-
pensions
5 756
-
8 201
-
unemployment
1 418
-
2 021
-
other
1 209
-
1 723
-
total
10 942
-
15 588
-
Corporate
19 523
65 500
-
-
income
5 467
18 341
-
-
surtax
-
-
-
-
total
5 467
18 341
-
-
Dividends
14 056
47 159
-
-
social contributions
2 417
8 112
-
-
surtax
-
-
-
-
withholding
1 799
6 037
-
-
total
4 216
14 149
-
-
Income
65 500
65 500
65 500
65 500
Total tax
27 653
32 490
26 778
27 410
After tax
37 847
33 010
38 722
38 090
Living cost
28 008
28 008
28 008
28 008
Free-cash
9 839
5 002
10 714
10 082

Estimated living cost  is ₽28008 per week

₽17660
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2277
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽477
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.
₽7595
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
-₽15791
-₽15791
₽2978
-₽11196
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
-
-
-
65 500
pensions
-
-
-
9 591
income
-
-
-
9 763
health
-
-
-
8 875
total
-
-
-
28 229
Employee
69 907
69 907
69 907
-
health
10 730
9 127
10 730
-
pensions
12 583
9 591
12 583
-
income

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

11 443
11 443
11 443
-
total
34 756
30 161
34 756
-
Employer
69 907
69 907
69 907
-
health
4 859
4 859
4 859
-
pensions
4 866
4 866
4 866
-
unemployment
2 517
2 517
2 517
-
total
12 242
12 242
12 242
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
65 500
65 500
65 500
65 500
Total tax
46 998
42 403
46 998
28 229
After tax
18 502
23 097
18 502
37 271
Living cost
34 293
34 293
34 293
34 293
Free-cash
-15 791
-11 196
-15 791
2 978

Estimated living cost  is ₽34293 per week

₽24303
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3091
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽545
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.
₽6354
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
₽17422
₽23469
₽19147
₽8368
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.

-
-
-
65 500
trade
-
-
-
4 322
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.

-
-
-
11 036
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.

-
-
-
5 593
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.

-
-
-
607
total
-
-
-
21 558
Employee

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

31 311
-
65 500
-
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.

5 593
-
5 593
-
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.

875
-
11 036
-
surtax

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

48
-
607
-
total
6 516
-
17 236
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
34 189
65 500
-
-
income
5 128
9 824
-
-
trade
5 384
10 317
-
-
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.

283
541
-
-
chamber of commerce
174
219
-
-
total
10 969
20 901
-
-
Dividends
23 220
44 599
-
-
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.

303
597
-
-
withholding
5 495
10 839
-
-
total
5 798
11 436
-
-
Income
65 500
65 500
65 500
65 500
Total tax
23 283
32 337
17 236
21 558
After tax
42 217
33 163
48 264
43 942
Living cost
24 795
24 795
24 795
24 795
Free-cash
17 422
8 368
23 469
19 147

Estimated living cost  is ₽24795 per week

₽15597
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2891
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽463
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5844
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
₽24632
₽28635
₽29490
₽28037
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
-
-
-
65 500
income
-
-
-
5 170
health
-
-
-
1 670
social contributions
-
-
-
10 217
total
-
-
-
17 057
Employee
62 948
62 948
62 948
-
health
488
1 070
1 011
-
income
6 854
5 827
5 931
-
social contributions
2 380
5 224
4 935
-
total
9 722
12 121
11 877
-
Employer
62 948
62 948
62 948
-
health
530
1 165
1 100
-
social contributions
2 380
5 224
4 935
-
total
2 910
6 389
6 035
-
Corporate
33 915
-
-
-
income
4 239
-
-
-
total
4 239
-
-
-
Dividends
29 676
-
-
-
withholding
5 044
-
-
-
total
5 044
-
-
-
Income
65 500
65 500
65 500
65 500
Total tax
21 915
18 510
17 912
17 057
After tax
43 585
46 990
47 588
48 443
Living cost
18 953
18 953
18 953
18 953
Free-cash
24 632
28 037
28 635
29 490

Estimated living cost  is ₽18953 per week

₽11359
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1860
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽419
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.
₽5316
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
₽10754
₽8672
₽11397
₽11578
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.

-
-
-
65 500
income
-
-
-
5 663
social contributions

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

-
-
-
22 762
surtax
-
-
-
-
total
-
-
-
28 425
Employee
37 650
-
52 929
-
income
7 831
-
12 757
-
social contributions
4 142
-
5 822
-
surtax
-
-
-
-
total
11 973
-
18 579
-
Employer
37 650
-
52 929
-
social contributions
8 942
-
12 571
-
total
8 942
-
12 571
-
Corporate
18 908
65 500
-
-
income
3 971
13 755
-
-
surtax
-
-
-
-
total
3 971
13 755
-
-
Dividends
14 937
51 745
-
-
withholding
4 182
14 489
-
-
total
4 182
14 489
-
-
Income
65 500
65 500
65 500
65 500
Total tax
29 068
28 244
31 150
28 425
After tax
36 432
37 256
34 350
37 075
Living cost
25 678
25 678
25 678
25 678
Free-cash
10 754
11 578
8 672
11 397

Estimated living cost  is ₽25678 per week

₽19212
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1515
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽429
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.
₽4522
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
₽54985
₽46303
₽58748
₽56128
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%.

-
-
-
65 500
microenterprise

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

-
-
-
655
total
-
-
-
655
Employee
7 621
-
65 500
-
income
1 524
-
13 100
-
total
1 524
-
13 100
-
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%.

57 879
65 500
-
-
total
-
-
-
-
Dividends
57 879
65 500
-
-
withholding
2 894
3 275
-
-
total
2 894
3 275
-
-
Income
65 500
65 500
65 500
65 500
Total tax
4 418
3 275
13 100
655
After tax
61 082
62 225
52 400
64 845
Living cost
6 097
6 097
6 097
6 097
Free-cash
54 985
56 128
46 303
58 748

Estimated living cost  is ₽6097 per week

₽3778
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽507
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽168
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.
₽1644
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
₽16292
₽10774
₽12649
₽23139
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.

-
-
-
65 500
pensions
-
-
-
11 962
unemployment
-
-
-
98
income
-
-
-
12 389
health
-
-
-
6 445
total
-
-
-
30 894
Employee

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

36 200
-
56 676
-
health
2 338
-
3 660
-
unemployment
51
-
79
-
pensions
5 611
-
8 785
-
income
6 243
-
11 422
-
total
14 243
-
23 946
-
Employer

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

36 200
-
56 676
-
health
2 411
-
3 773
-
pensions
3 203
-
5 016
-
unemployment
22
-
34
-
total
5 636
-
8 823
-
Corporate
23 664
65 500
-
-
income
4 496
12 445
-
-
total
4 496
12 445
-
-
Dividends
19 168
53 055
-
-
withholding
2 876
7 959
-
-
total
2 876
7 959
-
-
Income
65 500
65 500
65 500
65 500
Total tax
27 251
20 404
32 769
30 894
After tax
38 249
45 096
32 731
34 606
Living cost
21 957
21 957
21 957
21 957
Free-cash
16 292
23 139
10 774
12 649

Estimated living cost  is ₽21957 per week

₽15069
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1407
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽426
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5057
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
₽13274
₽18133
₽7324
₽8534
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.

-
-
-
65 500
income
-
-
-
23 302
health

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

-
-
-
5 158
total
-
-
-
28 460
Employee
37 554
-
61 734
-
social contributions
3 763
-
3 766
-
income
4 075
-
10 119
-
total
7 838
-
13 885
-
Employer
37 554
-
61 734
-
social contributions
3 763
-
3 766
-
total
3 763
-
3 766
-
Corporate
24 184
65 500
-
-
income
8 465
22 925
-
-
total
8 465
22 925
-
-
Dividends
15 719
42 575
-
-
social contributions
2 444
4 325
-
-
total
2 444
4 325
-
-
Income
65 500
65 500
65 500
65 500
Total tax
22 510
27 250
17 651
28 460
After tax
42 990
38 250
47 849
37 040
Living cost
29 716
29 716
29 716
29 716
Free-cash
13 274
8 534
18 133
7 324

Estimated living cost  is ₽29716 per week

₽19574
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2343
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽455
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.
₽7343
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
₽23028
₽25665
₽24705
₽22601
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
-
-
-
65 500
income
-
-
-
9 824
health
-
-
-
4 572
social contributions
-
-
-
9 040
total
-
-
-
23 436
Employee
27 756
-
65 500
-
health
1 937
-
4 572
-
income
4 629
-
8 864
-
social contributions
3 831
-
9 040
-
total
10 397
-
22 476
-
Employer
27 756
-
65 500
-
total
-
-
-
-
Corporate
37 744
65 500
-
-
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%.

1 887
3 275
-
-
total
1 887
3 275
-
-
Dividends
35 856
62 225
-
-
social contributions
4 948
8 588
-
-
withholding
5 378
9 333
-
-
health
2 503
4 344
-
-
total
12 829
22 265
-
-
Income
65 500
65 500
65 500
65 500
Total tax
25 113
25 540
22 476
23 436
After tax
40 387
39 960
43 024
42 064
Living cost
17 359
17 359
17 359
17 359
Free-cash
23 028
22 601
25 665
24 705

Estimated living cost  is ₽17359 per week

₽11617
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1070
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽399
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.
₽4271
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
₽14065
₽10367
₽9030
₽22225
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
-
-
-
65 500
income
-
-
-
5 630
health
-
-
-
8 842
social contributions
-
-
-
19 126
solidarity contribution
-
-
-
-
total
-
-
-
33 598
Employee
33 635
-
48 881
-
health
4 541
-
6 599
-
solidarity contribution
-
-
-
-
income
4 036
-
5 866
-
social contributions
2 186
-
3 177
-
total
10 763
-
15 642
-
Employer
33 635
-
48 881
-
health
3 027
-
4 399
-
social contributions
8 409
-
12 220
-
total
11 436
-
16 619
-
Corporate
20 430
65 500
-
-
income
3 882
12 445
-
-
total
3 882
12 445
-
-
Dividends
16 548
53 055
-
-
withholding
2 482
7 958
-
-
total
2 482
7 958
-
-
Income
65 500
65 500
65 500
65 500
Total tax
28 563
20 403
32 261
33 598
After tax
36 937
45 097
33 239
31 902
Living cost
22 872
22 872
22 872
22 872
Free-cash
14 065
22 225
10 367
9 030

Estimated living cost  is ₽22872 per week

₽17009
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1267
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽396
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.
₽4200
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
₽50943
₽42899
₽55344
₽52724
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%.

-
-
-
65 500
microenterprise

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

-
-
-
655
total
-
-
-
655
Employee
11 876
-
65 500
-
income
2 375
-
13 100
-
total
2 375
-
13 100
-
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%.

53 624
65 500
-
-
total
-
-
-
-
Dividends
53 624
65 500
-
-
withholding
2 681
3 275
-
-
total
2 681
3 275
-
-
Income
65 500
65 500
65 500
65 500
Total tax
5 056
3 275
13 100
655
After tax
60 444
62 225
52 400
64 845
Living cost
9 501
9 501
9 501
9 501
Free-cash
50 943
52 724
42 899
55 344

Estimated living cost  is ₽9501 per week

₽6429
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽399
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽319
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.
₽2354
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
-₽1785
-₽816
-₽1448
-₽6528
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
-
-
-
65 500
income
-
-
-
3 769
other
-
-
-
2 030
health
-
-
-
565
social contributions
-
-
-
1 866
pensions
-
-
-
19 180
surtax
-
-
-
-
total
-
-
-
27 410
Employee
51 272
-
49 915
-
pensions
5 799
-
5 645
-
income
4 474
-
4 122
-
social contributions
1 460
-
1 423
-
surtax
-
-
-
-
total
11 733
-
11 190
-
Employer
51 272
-
49 915
-
health
3 589
-
3 494
-
social contributions
154
-
149
-
pensions
8 425
-
8 201
-
unemployment
2 077
-
2 021
-
other
1 769
-
1 723
-
total
16 014
-
15 588
-
Corporate
-
65 500
-
-
income
-
18 341
-
-
surtax
-
-
-
-
total
-
18 341
-
-
Dividends
-
47 159
-
-
social contributions
-
8 112
-
-
surtax
-
-
-
-
withholding
-
6 037
-
-
total
-
14 149
-
-
Income
65 500
65 500
65 500
65 500
Total tax
27 747
32 490
26 778
27 410
After tax
37 753
33 010
38 722
38 090
Living cost
39 538
39 538
39 538
39 538
Free-cash
-1 785
-6 528
-816
-1 448

Estimated living cost  is ₽39538 per week

₽26759
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3234
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽542
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.
₽9002
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
₽29204
₽19762
₽18602
₽33218
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.

-
-
-
65 500
pensions
-
-
-
15 673
unemployment
-
-
-
904
income
-
-
-
10 005
health
-
-
-
6 209
total
-
-
-
32 791
Employee

The minimum tax base for social security contributions are defined by the Law on Mandatory Social Insurance Contributions and is fixed at 35% of an average monthly salary published in Serbia. The maximum tax base for social security contributions is capped at five times the average monthly salary published by the official statistics in Serbia at the moment of salary payment.

The minimum monthly earnings used to calculate the contributions are 35% of the national average gross wage for the previous three months.

The maximum monthly earnings used to calculate the contributions are five times the national average gross wage in the previous month.

21 272
-
55 556
-
health
1 095
-
2 861
-
unemployment
160
-
417
-
pensions
2 978
-
7 778
-
income
2 932
-
10 631
-
total
7 165
-
21 687
-
Employer

The minimum tax base for social security contributions are defined by the Law on Mandatory Social Insurance Contributions and is fixed at 35% of an average monthly salary published in Serbia. The maximum tax base for social security contributions is capped at five times the average monthly salary published by the official statistics in Serbia at the moment of salary payment.

The minimum monthly earnings used to calculate the contributions are 35% of the national average gross wage for the previous three months.

The maximum monthly earnings used to calculate the contributions are five times the national average gross wage in the previous month.

21 272
-
55 556
-
health
1 095
-
2 861
-
pensions
2 553
-
6 667
-
unemployment
160
-
417
-
total
3 808
-
9 945
-
Corporate
40 421
65 500
-
-
income
6 063
9 825
-
-
total
6 063
9 825
-
-
Dividends
34 358
55 675
-
-
withholding
5 154
8 351
-
-
total
5 154
8 351
-
-
Income
65 500
65 500
65 500
65 500
Total tax
22 190
18 176
31 632
32 791
After tax
43 310
47 324
33 868
32 709
Living cost
14 107
14 107
14 107
14 107
Free-cash
29 204
33 218
19 762
18 602

Estimated living cost  is ₽14107 per week

₽9498
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1091
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽408
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.
₽3109
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
-₽7402
-₽5297
-₽1938
-₽26926
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
-
-
-
65 500
pensions
-
-
-
6 026
city
-
-
-
690
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.

-
-
-
1 310
health
-
-
-
186
regional
-
-
-
2 052
national
-
-
-
296
total
-
-
-
10 560
Employee
66 562
-
58 625
-
health
150
-
131
-
unemployment
-
-
-
-
city
714
-
630
-
pensions
5 592
-
4 926
-
regional
2 180
-
1 750
-
national
315
-
252
-
total
8 951
-
7 689
-
Employer
66 562
-
58 625
-
health
150
-
131
-
pensions
5 592
-
4 926
-
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.

1 331
-
1 173
-
total
7 073
-
6 230
-
Corporate
-
65 500
-
-
regional
-
13 853
-
-
national
-
5 567
-
-
total
-
19 420
-
-
Dividends
-
46 079
-
-
withholding
-
16 128
-
-
total
-
16 128
-
-
Income
65 500
65 500
65 500
65 500
Total tax
16 024
35 548
13 919
10 560
After tax
49 476
29 952
51 581
54 940
Living cost
56 878
56 878
56 878
56 878
Free-cash
-7 402
-26 926
-5 297
-1 938

Estimated living cost  is ₽56878 per week

₽36987
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5104
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽698
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.
₽14088
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
₽9899
₽7234
₽16806
₽13177
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

-
-
-
65 500
municipal
-
-
-
11 670
health
-
-
-
666
national
-
-
-
4 929
total
-
-
-
17 265
Employee
43 069
-
55 102
-
health
322
-
506
-
unemployment
646
-
826
-
pensions
2 907
-
3 719
-
national
711
-
2 380
-
municipal
7 054
-
9 009
-
total
11 640
-
16 440
-
Employer
43 069
-
55 102
-
health
331
-
424
-
pensions
7 472
-
9 560
-
accident
43
-
54
-
unemployment
280
-
359
-
total
8 126
-
10 397
-
Corporate
14 304
65 500
-
-
income
2 862
13 101
-
-
total
2 862
13 101
-
-
Dividends

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

8 582
39 300
-
-
municipal
1 544
7 075
-
-
national
-
718
-
-
total
1 544
7 793
-
-
Income
65 500
65 500
65 500
65 500
Total tax
24 172
20 894
26 837
17 265
After tax
41 328
44 606
38 663
48 235
Living cost
31 429
31 429
31 429
31 429
Free-cash
9 899
13 177
7 234
16 806

Estimated living cost  is ₽31429 per week

₽20529
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3023
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽500
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.
₽7378
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
-₽10103
-₽3333
₽2577
₽6946
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
-
-
-
65 500
communal

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

-
-
-
3 370
social contributions
-
-
-
9 335
national
-
-
-
20 370
total
-
-
-
33 075
Employee

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

58 557
-
50 731
-
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.

2 751
-
2 385
-
communal

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

3 054
-
2 646
-
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.

510
-
441
-
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.

4 392
-
3 804
-
national
18 003
-
14 941
-
total
28 710
-
24 217
-
Employer

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

58 557
-
50 731
-
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.

3 601
-
3 119
-
pensions

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

5 189
-
4 494
-
surtax
6 640
-
5 754
-
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.

761
-
660
-
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.

854
-
741
-
total
17 045
-
14 768
-
Corporate
-
65 500
-
-
income
-
13 101
-
-
surtax
-
263
-
-
total
-
13 364
-
-
Dividends
-
52 137
-
-
withholding

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

-
15 342
-
-
total
-
15 342
-
-
Income
65 500
65 500
65 500
65 500
Total tax
45 755
28 706
38 985
33 075
After tax
19 745
36 794
26 515
32 425
Living cost
29 848
29 848
29 848
29 848
Free-cash
-10 103
6 946
-3 333
2 577

Estimated living cost  is ₽29848 per week

₽19226
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2610
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽468
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.
₽7545
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
-₽812
-₽434
-₽2762
₽351
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
-
-
-
65 500
unemployment
-
-
-
66
municipal
-
-
-
13 874
other
-
-
-
7 611
health
-
-
-
4 087
national
-
-
-
-
accident
-
-
-
131
pensions
-
-
-
7 081
total
-
-
-
32 850
Employee
50 458
-
49 840
-
national
-
-
-
-
municipal
15 047
-
14 862
-
total
15 047
-
14 862
-
Employer
50 458
-
49 840
-
health
3 103
-
3 065
-
pensions
5 454
-
5 388
-
accident
101
-
100
-
unemployment
1 332
-
1 316
-
other
5 863
-
5 791
-
total
15 853
-
15 660
-
Corporate
-
65 500
-
-
income
-
14 410
-
-
total
-
14 410
-
-
Dividends
-
51 090
-
-
withholding
-
15 327
-
-
total
-
15 327
-
-
Income
65 500
65 500
65 500
65 500
Total tax
30 900
29 737
30 522
32 850
After tax
34 600
35 763
34 978
32 650
Living cost
35 412
35 412
35 412
35 412
Free-cash
-812
351
-434
-2 762

Estimated living cost  is ₽35412 per week

₽23469
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3475
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽538
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.
₽7930
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
-₽69502
₽14520
₽6198
₽782
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
-
-
-
65 500
income
-
-
-
12 767
social contributions
-
-
-
7 467
total
-
-
-
20 234
Employee
56 018
-
-
-
income
12 356
-
-
-
social contributions
4 593
-
655
-
total
16 949
-
655
-
Employer
56 018
-
-
-
social contributions
78 985
-
11 257
-
total
78 985
-
11 257
-
Corporate
-
65 500
-
-
income
-
14 410
-
-
total
-
14 410
-
-
Dividends
-
51 090
-
-
income
-
11 240
-
-
total
-
11 240
-
-
Income
65 500
65 500
65 500
65 500
Total tax
95 934
25 650
11 912
20 234
After tax
-30 434
39 850
53 588
45 266
Living cost
39 068
39 068
39 068
39 068
Free-cash
-69 502
782
14 520
6 198

Estimated living cost  is ₽39068 per week

₽25349
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3674
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽498
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.
₽9547
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
₽18092
₽21036
₽21891
₽20438
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
-
-
-
65 500
income
-
-
-
5 170
health
-
-
-
1 670
social contributions
-
-
-
10 217
total
-
-
-
17 057
Employee
62 948
62 948
62 948
-
health
626
1 070
1 011
-
income
6 610
5 827
5 931
-
social contributions
3 059
5 224
4 935
-
total
10 295
12 121
11 877
-
Employer
62 948
62 948
62 948
-
health
682
1 165
1 100
-
social contributions
3 059
5 224
4 935
-
total
3 741
6 389
6 035
-
Corporate
24 912
-
-
-
income
3 115
-
-
-
total
3 115
-
-
-
Dividends
21 797
-
-
-
withholding
3 705
-
-
-
total
3 705
-
-
-
Income
65 500
65 500
65 500
65 500
Total tax
20 856
18 510
17 912
17 057
After tax
44 644
46 990
47 588
48 443
Living cost
26 552
26 552
26 552
26 552
Free-cash
18 092
20 438
21 036
21 891

Estimated living cost  is ₽26552 per week

₽18151
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2074
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽446
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.
₽5882
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
₽15503
₽12297
₽19586
₽19928
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
-
-
-
65 500
income
-
-
-
12 183
pensions
-
-
-
4 585
total
-
-
-
16 768
Employee
40 007
-
57 890
-
health
522
-
888
-
pensions
3 054
-
5 200
-
income
7 286
-
10 360
-
total
10 862
-
16 448
-
Employer
40 007
-
57 890
-
health
760
-
1 099
-
pensions
4 042
-
6 510
-
total
4 802
-
7 609
-
Corporate
20 691
65 500
-
-
income

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

3 931
12 446
-
-
total
3 931
12 446
-
-
Dividends
16 759
53 054
-
-
withholding
1 256
3 980
-
-
total
1 256
3 980
-
-
Income
65 500
65 500
65 500
65 500
Total tax
20 851
16 426
24 057
16 768
After tax
44 649
49 074
41 443
48 732
Living cost
29 146
29 146
29 146
29 146
Free-cash
15 503
19 928
12 297
19 586

Estimated living cost  is ₽29146 per week

₽19994
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2680
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽365
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.
₽6105
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
-₽3482
-₽1330
₽1677
₽1889
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
-
-
-
65 500
municipal
-
-
-
438
regional
-
-
-
1 156
social contributions
-
-
-
16 846
national
-
-
-
12 771
total
-
-
-
31 211
Employee
68 982
-
65 500
-
social contributions
23 260
-
22 086
-
regional
1 041
-
952
-
national
11 657
-
10 789
-
municipal
412
-
391
-
total
36 370
-
34 218
-
Employer
68 982
-
65 500
-
total
-
-
-
-
Corporate
-
65 500
-
-
nationa
-
15 720
-
-
municipal
-
3 157
-
-
total
-
18 877
-
-
Dividends
-
46 624
-
-
withholding
-
12 122
-
-
total
-
12 122
-
-
Income
65 500
65 500
65 500
65 500
Total tax
36 370
30 999
34 218
31 211
After tax
29 130
34 501
31 282
34 289
Living cost
32 612
32 612
32 612
32 612
Free-cash
-3 482
1 889
-1 330
1 677

Estimated living cost  is ₽32612 per week

₽22908
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.
₽492
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.
₽6967
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
₽2646
₽15671
₽27707
-₽12028
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
-
-
-
65 500
pensions
-
-
-
3 278
income
-
-
-
14 973
other
-
-
-
292
health
-
-
-
1 718
accident
-
-
-
199
total
-
-
-
20 460
Employee
27 266
-
54 572
-
health
3 122
-
6 248
-
pensions
3 070
-
6 011
-
income
3 741
-
9 309
-
total
9 933
-
21 568
-
Employer
27 266
-
54 572
-
pensions
4 434
-
8 680
-
accident
455
-
911
-
unemployment
668
-
1 337
-
total
5 557
-
10 928
-
Corporate
32 678
65 500
-
-
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.

29 410
58 950
-
-
total
29 410
58 950
-
-
Dividends
3 268
6 550
-
-
withholding
621
1 245
-
-
total
621
1 245
-
-
Income
65 500
65 500
65 500
65 500
Total tax
45 521
60 195
32 496
20 460
After tax
19 979
5 305
33 004
45 040
Living cost
17 333
17 333
17 333
17 333
Free-cash
2 646
-12 028
15 671
27 707

Estimated living cost  is ₽17333 per week

₽12704
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽960
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽362
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3308
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
₽12942
₽16659
₽12721
₽2232
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.

-
-
-
65 500
trade
-
-
-
3 938
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.

-
-
-
11 036
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.

-
-
-
5 593
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.

-
-
-
607
total
-
-
-
21 174
Employee

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

40 732
-
65 500
-
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.

5 593
-
5 593
-
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.

3 349
-
11 036
-
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.

185
-
607
-
total
9 127
-
17 236
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
24 768
65 500
-
-
income
3 716
9 824
-
-
trade
3 554
9 399
-
-
surtax

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

205
541
-
-
chamber of commerce
160
221
-
-
total
7 635
19 985
-
-
Dividends
17 133
45 516
-
-
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.

219
609
-
-
withholding
3 972
11 069
-
-
total
4 191
11 678
-
-
Income
65 500
65 500
65 500
65 500
Total tax
20 953
31 663
17 236
21 174
After tax
44 547
33 837
48 264
44 326
Living cost
31 605
31 605
31 605
31 605
Free-cash
12 942
2 232
16 659
12 721

Estimated living cost  is ₽31605 per week

₽21802
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3401
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽458
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5944
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
₽28654
₽20075
₽18121
₽35368
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.

-
-
-
65 500
income
-
-
-
9 290
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.

-
-
-
21 058
surtax
-
-
-
-
total
-
-
-
30 348
Employee
23 921
-
52 785
-
income
4 258
-
9 872
-
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.

2 632
-
5 807
-
surtax
-
-
-
-
total
6 890
-
15 679
-
Employer
23 921
-
52 785
-
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.

5 762
-
12 715
-
surtax
-
-
-
-
total
5 762
-
12 715
-
Corporate
35 818
65 500
-
-
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%.

7 163
13 101
-
-
total
7 163
13 101
-
-
Dividends

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

28 654
52 399
-
-
total
-
-
-
-
Income
65 500
65 500
65 500
65 500
Total tax
19 815
13 101
28 394
30 348
After tax
45 685
52 399
37 106
35 152
Living cost
17 031
17 031
17 031
17 031
Free-cash
28 654
35 368
20 075
18 121

Estimated living cost  is ₽17031 per week

₽10865
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1622
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽387
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.
₽4157
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
₽29219
₽25975
₽26686
₽30862
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
-
-
-
65 500
income
-
-
-
16 208
health
-
-
-
5 294
pensions
-
-
-
7 302
total
-
-
-
28 804
Employee
15 246
-
57 286
-
health
762
-
1 825
-
unemployment
153
-
365
-
pensions
1 372
-
3 286
-
income
2 949
-
15 825
-
total
5 236
-
21 301
-
Employer
15 246
-
57 286
-
health
1 448
-
3 468
-
pensions
1 677
-
4 016
-
unemployment
305
-
730
-
total
3 430
-
8 214
-
Corporate
46 823
65 500
-
-
income
10 301
14 410
-
-
total
10 301
14 410
-
-
Dividends
36 522
51 090
-
-
withholding
7 304
10 218
-
-
total
7 304
10 218
-
-
Income
65 500
65 500
65 500
65 500
Total tax
26 271
24 628
29 515
28 804
After tax
39 229
40 872
35 985
36 696
Living cost
10 010
10 010
10 010
10 010
Free-cash
29 219
30 862
25 975
26 686

Estimated living cost  is ₽10010 per week

₽5949
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽811
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽229
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.
₽3021
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
₽20206
₽15624
₽16990
₽22814
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
-
-
-
65 500
pensions
-
-
-
13 101
unemployment
-
-
-
186
income
-
-
-
11 073
other
-
-
-
-
health
-
-
-
4 651
surtax
-
-
-
1 112
total
-
-
-
30 123
Employee
27 568
-
54 110
-
health
704
-
1 379
-
unemployment
1 919
-
3 766
-
pensions
1 839
-
3 609
-
income
4 622
-
10 357
-
other
-
-
-
-
surtax
98
-
988
-
total
9 182
-
20 099
-
Employer
27 568
-
54 110
-
health
1 254
-
2 462
-
pensions
3 676
-
7 213
-
unemployment
875
-
1 715
-
other
-
-
-
-
total
5 805
-
11 390
-
Corporate
32 128
65 500
-
-
income
8 353
17 029
-
-
total
8 353
17 029
-
-
Dividends
23 775
48 471
-
-
withholding
3 567
7 270
-
-
total
3 567
7 270
-
-
Income
65 500
65 500
65 500
65 500
Total tax
26 907
24 299
31 489
30 123
After tax
38 593
41 201
34 011
35 377
Living cost
18 387
18 387
18 387
18 387
Free-cash
20 206
22 814
15 624
16 990

Estimated living cost  is ₽18387 per week

₽11101
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1599
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.
₽5262
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
₽10559
-₽3917
₽8867
₽10964
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
-
-
-
65 500
pensions
-
-
-
12 117
chamber of commerce
-
-
-
263
unemployment
-
-