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
₽ 69000
per

Your estimated
City
free-cash

Valencia , Spain
₽20971
₽15567
₽15074
₽25061
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
-
-
-
69 000
unemployment
-
-
-
483
income
-
-
-
11 774
other
-
-
-
70
accident
-
-
-
622
pensions
-
-
-
19 528
total
-
-
-
32 477
Employee
28 840
-
52 320
-
unemployment
447
-
811
-
pensions
1 356
-
2 459
-
income
5 560
-
11 984
-
other
28
-
52
-
total
7 391
-
15 306
-
Employer
28 840
-
52 320
-
pensions
6 806
-
12 347
-
accident
571
-
1 036
-
unemployment
1 587
-
2 877
-
other
231
-
419
-
total
9 195
-
16 679
-
Corporate
30 965
69 000
-
-
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.

4 645
10 351
-
-
total
4 645
10 351
-
-
Dividends
26 320
58 649
-
-
withholding
5 349
12 139
-
-
total
5 349
12 139
-
-
Income
69 000
69 000
69 000
69 000
Total tax
26 580
22 490
31 985
32 477
After tax
42 420
46 510
37 015
36 523
Living cost
21 448
21 448
21 448
21 448
Free-cash
20 971
25 061
15 567
15 074

Estimated living cost  is ₽21448 per week

₽14477
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2062
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽376
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.
₽4534
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
₽24642
₽19662
₽16580
₽29910
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
-
-
-
69 000
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.

-
-
-
16 560
income
-
-
-
8 764
other
-
-
-
3 277
health
-
-
-
3 036
total
-
-
-
31 637
Employee
28 320
-
55 112
-
health
397
-
771
-
unemployment
283
-
551
-
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.

1 982
-
3 857
-
income
4 876
-
9 488
-
total
7 538
-
14 667
-
Employer
28 320
-
55 112
-
health
397
-
771
-
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.

4 815
-
9 369
-
accident
226
-
441
-
unemployment
283
-
551
-
other
1 417
-
2 756
-
total
7 138
-
13 888
-
Corporate
33 543
69 000
-
-
income
7 044
14 491
-
-
total
7 044
14 491
-
-
Dividends
26 498
54 509
-
-
withholding
1 855
3 816
-
-
total
1 855
3 816
-
-
Income
69 000
69 000
69 000
69 000
Total tax
23 575
18 307
28 555
31 637
After tax
45 425
50 693
40 445
37 363
Living cost
20 783
20 783
20 783
20 783
Free-cash
24 642
29 910
19 662
16 580

Estimated living cost  is ₽20783 per week

₽14685
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1403
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽335
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.
₽4361
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
₽45143
₽43114
₽41146
₽48767
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
-
-
-
69 000
pensions

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

-
-
-
4 033
unemployment
-
-
-
109
income
-
-
-
10 350
health
-
-
-
3 134
total
-
-
-
17 626
Employee
13 543
-
63 654
-
health
623
-
1 253
-
accident

We are using the highest rate at 1.1%.

149
-
300
-
pensions

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

1 189
-
2 393
-
income
1 354
-
6 366
-
total
3 315
-
10 312
-
Employer
13 543
-
63 654
-
health
935
-
1 880
-
pensions

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

1 493
-
3 003
-
accident

We are using the highest rate at 1.1%.

149
-
300
-
unemployment
81
-
163
-
total
2 658
-
5 346
-
Corporate
52 799
69 000
-
-
income
5 280
6 900
-
-
total
5 280
6 900
-
-
Dividends
47 519
62 100
-
-
withholding
2 376
3 105
-
-
total
2 376
3 105
-
-
Income
69 000
69 000
69 000
69 000
Total tax
13 629
10 005
15 658
17 626
After tax
55 371
58 995
53 342
51 374
Living cost
10 228
10 228
10 228
10 228
Free-cash
45 143
48 767
43 114
41 146

Estimated living cost  is ₽10228 per week

₽5971
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽730
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽271
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.
₽3255
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
₽12698
₽13222
₽13304
₽8090
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
-
-
-
69 000
income
-
-
-
5 299
other
-
-
-
2 140
health
-
-
-
783
social contributions
-
-
-
1 966
pensions
-
-
-
18 822
surtax
-
-
-
-
total
-
-
-
29 010
Employee
33 382
-
52 576
-
pensions
3 774
-
5 946
-
income
1 970
-
5 227
-
social contributions
952
-
1 498
-
surtax
-
-
-
-
total
6 696
-
12 671
-
Employer
33 382
-
52 576
-
health
2 337
-
3 680
-
social contributions
101
-
158
-
pensions
5 484
-
8 640
-
unemployment
1 351
-
2 130
-
other
1 152
-
1 813
-
total
10 425
-
16 421
-
Corporate
25 193
69 000
-
-
income
7 054
19 320
-
-
surtax
-
-
-
-
total
7 054
19 320
-
-
Dividends
18 139
49 680
-
-
social contributions
3 119
8 545
-
-
surtax
-
-
-
-
withholding
2 322
6 359
-
-
total
5 441
14 904
-
-
Income
69 000
69 000
69 000
69 000
Total tax
29 616
34 224
29 092
29 010
After tax
39 384
34 776
39 908
39 990
Living cost
26 686
26 686
26 686
26 686
Free-cash
12 698
8 090
13 222
13 304

Estimated living cost  is ₽26686 per week

₽16826
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2170
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽454
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7236
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
-₽8452
-₽8452
₽6542
-₽4074
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
-
-
-
69 000
pensions
-
-
-
9 138
income
-
-
-
11 814
health
-
-
-
8 832
total
-
-
-
29 784
Employee
66 607
66 607
66 607
-
health
10 223
8 696
10 223
-
pensions
11 989
9 138
11 989
-
income

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

10 902
10 902
10 902
-
total
33 114
28 736
33 114
-
Employer
66 607
66 607
66 607
-
health
4 630
4 630
4 630
-
pensions
4 636
4 636
4 636
-
unemployment
2 398
2 398
2 398
-
total
11 664
11 664
11 664
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
69 000
69 000
69 000
69 000
Total tax
44 778
40 400
44 778
29 784
After tax
24 222
28 600
24 222
39 216
Living cost
32 674
32 674
32 674
32 674
Free-cash
-8 452
-4 074
-8 452
6 542

Estimated living cost  is ₽32674 per week

₽23156
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2946
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽520
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.
₽6054
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
₽19916
₽26486
₽21331
₽11286
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.

-
-
-
69 000
trade
-
-
-
5 155
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.

-
-
-
12 852
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.

-
-
-
5 329
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.

-
-
-
708
total
-
-
-
24 044
Employee

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

29 833
-
69 000
-
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.

5 329
-
5 329
-
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.

833
-
12 852
-
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
-
708
-
total
6 208
-
18 889
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
39 167
69 000
-
-
income
5 875
10 351
-
-
trade
6 169
10 867
-
-
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.

323
570
-
-
chamber of commerce
175
218
-
-
total
12 542
22 006
-
-
Dividends
26 626
46 995
-
-
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.

349
631
-
-
withholding
6 360
11 452
-
-
total
6 709
12 083
-
-
Income
69 000
69 000
69 000
69 000
Total tax
25 459
34 089
18 889
24 044
After tax
43 541
34 911
50 111
44 956
Living cost
23 625
23 625
23 625
23 625
Free-cash
19 916
11 286
26 486
21 331

Estimated living cost  is ₽23625 per week

₽14861
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2755
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽441
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.
₽5568
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
₽28254
₽32047
₽32116
₽32499
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
-
-
-
69 000
income
-
-
-
6 301
health
-
-
-
1 760
social contributions
-
-
-
10 764
total
-
-
-
18 825
Employee
59 977
59 977
62 641
-
health
465
1 020
1 064
-
income
6 530
5 552
6 271
-
social contributions
2 268
4 978
5 200
-
total
9 263
11 550
12 535
-
Employer
59 977
59 977
62 641
-
health
505
1 110
1 159
-
social contributions
2 268
4 978
5 200
-
total
2 773
6 088
6 359
-
Corporate
38 906
2 936
-
-
income
4 864
367
-
-
total
4 864
367
-
-
Dividends
34 042
2 568
-
-
withholding
5 787
437
-
-
total
5 787
437
-
-
Income
69 000
69 000
69 000
69 000
Total tax
22 687
18 442
18 894
18 825
After tax
46 313
50 558
50 106
50 175
Living cost
18 059
18 059
18 059
18 059
Free-cash
28 254
32 499
32 047
32 116

Estimated living cost  is ₽18059 per week

₽10823
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1772
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽400
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.
₽5065
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
₽13997
₽11249
₽14406
₽14782
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.

-
-
-
69 000
income
-
-
-
6 152
social contributions

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

-
-
-
23 977
surtax
-
-
-
-
total
-
-
-
30 129
Employee
35 873
-
55 757
-
income
7 462
-
13 909
-
social contributions
3 946
-
6 134
-
surtax
-
-
-
-
total
11 408
-
20 043
-
Employer
35 873
-
55 757
-
social contributions
8 520
-
13 243
-
total
8 520
-
13 243
-
Corporate
24 607
69 000
-
-
income
5 167
14 491
-
-
surtax
-
-
-
-
total
5 167
14 491
-
-
Dividends
19 440
54 509
-
-
withholding
5 443
15 262
-
-
total
5 443
15 262
-
-
Income
69 000
69 000
69 000
69 000
Total tax
30 538
29 753
33 286
30 129
After tax
38 462
39 247
35 714
38 871
Living cost
24 465
24 465
24 465
24 465
Free-cash
13 997
14 782
11 249
14 406

Estimated living cost  is ₽24465 per week

₽18305
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1443
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.
₽4309
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
₽58640
₽49381
₽62491
₽59731
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%.

-
-
-
69 000
microenterprise

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

-
-
-
690
total
-
-
-
690
Employee
7 274
-
69 000
-
income
1 455
-
13 800
-
total
1 455
-
13 800
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

61 726
69 000
-
-
total
-
-
-
-
Dividends
61 726
69 000
-
-
withholding
3 086
3 450
-
-
total
3 086
3 450
-
-
Income
69 000
69 000
69 000
69 000
Total tax
4 541
3 450
13 800
690
After tax
64 459
65 550
55 200
68 310
Living cost
5 819
5 819
5 819
5 819
Free-cash
58 640
59 731
49 381
62 491

Estimated living cost  is ₽5819 per week

₽3606
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽484
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽160
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.
₽1569
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
₽20061
₽13196
₽15172
₽26585
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.

-
-
-
69 000
pensions
-
-
-
12 601
unemployment
-
-
-
104
income
-
-
-
13 413
health
-
-
-
6 789
total
-
-
-
32 907
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.

34 491
-
59 705
-
health
2 228
-
3 856
-
unemployment
49
-
83
-
pensions
5 346
-
9 254
-
income
5 948
-
12 394
-
total
13 571
-
25 587
-
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.

34 491
-
59 705
-
health
2 297
-
3 976
-
pensions
3 052
-
5 284
-
unemployment
21
-
36
-
total
5 370
-
9 296
-
Corporate
29 139
69 000
-
-
income
5 536
13 110
-
-
total
5 536
13 110
-
-
Dividends
23 603
55 890
-
-
withholding
3 541
8 384
-
-
total
3 541
8 384
-
-
Income
69 000
69 000
69 000
69 000
Total tax
28 018
21 494
34 883
32 907
After tax
40 982
47 506
34 117
36 093
Living cost
20 921
20 921
20 921
20 921
Free-cash
20 061
26 585
13 196
15 172

Estimated living cost  is ₽20921 per week

₽14358
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1341
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽406
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.
₽4818
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
₽16375
₽22222
₽13506
₽12416
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.

-
-
-
69 000
income
-
-
-
22 202
health

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

-
-
-
4 979
total
-
-
-
27 181
Employee
35 781
-
65 412
-
social contributions
3 585
-
3 588
-
income
3 882
-
11 289
-
total
7 467
-
14 877
-
Employer
35 781
-
65 412
-
social contributions
3 585
-
3 588
-
total
3 585
-
3 588
-
Corporate
29 634
69 000
-
-
income
10 371
24 150
-
-
total
10 371
24 150
-
-
Dividends
19 263
44 850
-
-
social contributions
2 889
4 121
-
-
total
2 889
4 121
-
-
Income
69 000
69 000
69 000
69 000
Total tax
24 312
28 271
18 465
27 181
After tax
44 688
40 729
50 535
41 819
Living cost
28 313
28 313
28 313
28 313
Free-cash
16 375
12 416
22 222
13 506

Estimated living cost  is ₽28313 per week

₽18650
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2232
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽434
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.
₽6997
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
₽25963
₽28360
₽27772
₽25558
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
-
-
-
69 000
income
-
-
-
10 351
health
-
-
-
4 816
social contributions
-
-
-
9 522
total
-
-
-
24 689
Employee
26 446
-
69 000
-
health
1 846
-
4 816
-
income
4 411
-
9 763
-
social contributions
3 650
-
9 522
-
total
9 907
-
24 101
-
Employer
26 446
-
69 000
-
total
-
-
-
-
Corporate
42 554
69 000
-
-
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%.

2 127
3 450
-
-
total
2 127
3 450
-
-
Dividends
40 427
65 550
-
-
social contributions
5 579
9 045
-
-
withholding
6 064
9 833
-
-
health
2 821
4 575
-
-
total
14 464
23 453
-
-
Income
69 000
69 000
69 000
69 000
Total tax
26 498
26 903
24 101
24 689
After tax
42 502
42 097
44 899
44 311
Living cost
16 539
16 539
16 539
16 539
Free-cash
25 963
25 558
28 360
27 772

Estimated living cost  is ₽16539 per week

₽11069
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1020
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.
₽4069
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
₽17866
₽13169
₽11759
₽25659
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
-
-
-
69 000
income
-
-
-
5 931
health
-
-
-
9 315
social contributions
-
-
-
20 148
solidarity contribution
-
-
-
-
total
-
-
-
35 394
Employee
32 129
-
51 493
-
health
4 337
-
6 951
-
solidarity contribution
-
-
-
-
income
3 855
-
6 179
-
social contributions
2 088
-
3 347
-
total
10 280
-
16 477
-
Employer
32 129
-
51 493
-
health
2 892
-
4 634
-
social contributions
8 032
-
12 873
-
total
10 924
-
17 507
-
Corporate
25 948
69 000
-
-
income
4 930
13 110
-
-
total
4 930
13 110
-
-
Dividends
21 018
55 890
-
-
withholding
3 153
8 384
-
-
total
3 153
8 384
-
-
Income
69 000
69 000
69 000
69 000
Total tax
29 287
21 494
33 984
35 394
After tax
39 713
47 506
35 016
33 606
Living cost
21 847
21 847
21 847
21 847
Free-cash
17 866
25 659
13 169
11 759

Estimated living cost  is ₽21847 per week

₽16247
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1210
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.
₽4012
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
₽54782
₽46132
₽59242
₽56482
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%.

-
-
-
69 000
microenterprise

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

-
-
-
690
total
-
-
-
690
Employee
11 335
-
69 000
-
income
2 267
-
13 800
-
total
2 267
-
13 800
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

57 665
69 000
-
-
total
-
-
-
-
Dividends
57 665
69 000
-
-
withholding
2 883
3 450
-
-
total
2 883
3 450
-
-
Income
69 000
69 000
69 000
69 000
Total tax
5 150
3 450
13 800
690
After tax
63 850
65 550
55 200
68 310
Living cost
9 068
9 068
9 068
9 068
Free-cash
54 782
56 482
46 132
59 242

Estimated living cost  is ₽9068 per week

₽6136
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽381
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽304
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.
₽2247
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
₽2467
₽2236
₽2318
-₽2896
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
-
-
-
69 000
income
-
-
-
5 299
other
-
-
-
2 140
health
-
-
-
783
social contributions
-
-
-
1 966
pensions
-
-
-
18 822
surtax
-
-
-
-
total
-
-
-
29 010
Employee
48 852
-
52 576
-
pensions
5 525
-
5 946
-
income
4 262
-
5 227
-
social contributions
1 391
-
1 498
-
surtax
-
-
-
-
total
11 178
-
12 671
-
Employer
48 852
-
52 576
-
health
3 419
-
3 680
-
social contributions
147
-
158
-
pensions
8 027
-
8 640
-
unemployment
1 979
-
2 130
-
other
1 686
-
1 813
-
total
15 258
-
16 421
-
Corporate
4 891
69 000
-
-
income
1 369
19 320
-
-
surtax
-
-
-
-
total
1 369
19 320
-
-
Dividends
3 522
49 680
-
-
social contributions
605
8 545
-
-
surtax
-
-
-
-
withholding
451
6 359
-
-
total
1 056
14 904
-
-
Income
69 000
69 000
69 000
69 000
Total tax
28 861
34 224
29 092
29 010
After tax
40 139
34 776
39 908
39 990
Living cost
37 672
37 672
37 672
37 672
Free-cash
2 467
-2 896
2 236
2 318

Estimated living cost  is ₽37672 per week

₽25496
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3082
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.
₽8577
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
₽32587
₽22008
₽22007
₽36412
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.

-
-
-
69 000
pensions
-
-
-
14 934
unemployment
-
-
-
862
income
-
-
-
11 840
health
-
-
-
5 916
total
-
-
-
33 552
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.

20 268
-
58 719
-
health
1 044
-
2 958
-
unemployment
152
-
431
-
pensions
2 837
-
8 041
-
income
2 794
-
11 840
-
total
6 827
-
23 270
-
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.

20 268
-
58 719
-
health
1 044
-
2 958
-
pensions
2 432
-
6 892
-
unemployment
152
-
431
-
total
3 628
-
10 281
-
Corporate
45 104
69 000
-
-
income
6 766
10 350
-
-
total
6 766
10 350
-
-
Dividends
38 339
58 650
-
-
withholding
5 751
8 797
-
-
total
5 751
8 797
-
-
Income
69 000
69 000
69 000
69 000
Total tax
22 972
19 147
33 551
33 552
After tax
46 028
49 853
35 449
35 448
Living cost
13 441
13 441
13 441
13 441
Free-cash
32 587
36 412
22 008
22 007

Estimated living cost  is ₽13441 per week

₽9050
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1040
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽389
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.
₽2962
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
₽319
₽574
₽4043
-₽22033
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
-
-
-
69 000
pensions
-
-
-
6 349
city
-
-
-
727
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.

-
-
-
1 380
health
-
-
-
175
regional
-
-
-
2 333
national
-
-
-
409
total
-
-
-
11 373
Employee
62 707
-
61 758
-
health
142
-
139
-
unemployment
-
-
-
-
city
673
-
663
-
pensions
5 268
-
5 188
-
regional
2 053
-
2 002
-
national
297
-
289
-
total
8 433
-
8 281
-
Employer
62 707
-
61 758
-
health
142
-
139
-
pensions
5 268
-
5 188
-
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.

1 254
-
1 234
-
total
6 664
-
6 561
-
Corporate
-
69 000
-
-
regional
-
14 594
-
-
national
-
5 865
-
-
total
-
20 459
-
-
Dividends
-
48 541
-
-
withholding
-
16 990
-
-
total
-
16 990
-
-
Income
69 000
69 000
69 000
69 000
Total tax
15 097
37 449
14 842
11 373
After tax
53 903
31 551
54 158
57 627
Living cost
53 584
53 584
53 584
53 584
Free-cash
319
-22 033
574
4 043

Estimated living cost  is ₽53584 per week

₽34845
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4809
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽658
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.
₽13272
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
₽13996
₽10130
₽20060
₽16620
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

-
-
-
69 000
municipal
-
-
-
12 287
health
-
-
-
737
national
-
-
-
5 971
total
-
-
-
18 995
Employee
41 036
-
58 047
-
health
306
-
568
-
unemployment
616
-
870
-
pensions
2 769
-
3 918
-
national
678
-
3 131
-
municipal
6 721
-
9 485
-
total
11 090
-
17 972
-
Employer
41 036
-
58 047
-
health
315
-
447
-
pensions
7 120
-
10 071
-
accident
41
-
58
-
unemployment
266
-
377
-
total
7 742
-
10 953
-
Corporate
20 221
69 000
-
-
income
4 044
13 799
-
-
total
4 044
13 799
-
-
Dividends

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

12 133
41 400
-
-
municipal
2 183
7 453
-
-
national
-
1 183
-
-
total
2 183
8 636
-
-
Income
69 000
69 000
69 000
69 000
Total tax
25 059
22 435
28 925
18 995
After tax
43 941
46 565
40 075
50 005
Living cost
29 945
29 945
29 945
29 945
Free-cash
13 996
16 620
10 130
20 060

Estimated living cost  is ₽29945 per week

₽19560
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2880
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.
₽7029
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
-₽3032
-₽1001
₽5008
₽10294
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
-
-
-
69 000
communal

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

-
-
-
3 523
social contributions
-
-
-
10 278
national
-
-
-
21 752
total
-
-
-
35 553
Employee

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

55 792
-
53 444
-
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.

2 621
-
2 512
-
communal

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

2 910
-
2 787
-
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.

485
-
465
-
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.

4 184
-
4 008
-
national
17 153
-
16 234
-
total
27 353
-
26 006
-
Employer

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

55 792
-
53 444
-
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.

3 431
-
3 287
-
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.

4 944
-
4 735
-
surtax
6 326
-
6 060
-
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.

725
-
694
-
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.

814
-
780
-
total
16 240
-
15 556
-
Corporate
-
69 000
-
-
income
-
13 799
-
-
surtax
-
275
-
-
total
-
14 074
-
-
Dividends
-
54 925
-
-
withholding

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

-
16 193
-
-
total
-
16 193
-
-
Income
69 000
69 000
69 000
69 000
Total tax
43 593
30 267
41 562
35 553
After tax
25 407
38 733
27 438
33 447
Living cost
28 439
28 439
28 439
28 439
Free-cash
-3 032
10 294
-1 001
5 008

Estimated living cost  is ₽28439 per week

₽18318
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2487
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.
₽7189
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
₽3284
₽3212
₽761
₽4040
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
-
-
-
69 000
unemployment
-
-
-
69
municipal
-
-
-
14 615
other
-
-
-
8 018
health
-
-
-
4 306
national
-
-
-
-
accident
-
-
-
138
pensions
-
-
-
7 459
total
-
-
-
34 605
Employee
47 926
-
52 503
-
national
-
-
-
-
municipal
14 292
-
15 657
-
total
14 292
-
15 657
-
Employer
47 926
-
52 503
-
health
2 947
-
3 229
-
pensions
5 181
-
5 676
-
accident
96
-
105
-
unemployment
1 265
-
1 386
-
other
5 569
-
6 101
-
total
15 058
-
16 497
-
Corporate
6 016
69 000
-
-
income
1 324
15 180
-
-
total
1 324
15 180
-
-
Dividends
4 692
53 820
-
-
withholding
1 408
16 146
-
-
total
1 408
16 146
-
-
Income
69 000
69 000
69 000
69 000
Total tax
32 082
31 326
32 154
34 605
After tax
36 918
37 674
36 846
34 395
Living cost
33 634
33 634
33 634
33 634
Free-cash
3 284
4 040
3 212
761

Estimated living cost  is ₽33634 per week

₽22292
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3300
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽511
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.
₽7532
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
-₽59123
₽20619
₽10608
₽4903
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
-
-
-
69 000
income
-
-
-
13 449
social contributions
-
-
-
7 866
total
-
-
-
21 315
Employee
53 163
-
-
-
income
11 727
-
-
-
social contributions
4 359
-
621
-
total
16 086
-
621
-
Employer
53 163
-
-
-
social contributions
74 960
-
10 683
-
total
74 960
-
10 683
-
Corporate
-
69 000
-
-
income
-
15 180
-
-
total
-
15 180
-
-
Dividends
-
53 820
-
-
income
-
11 840
-
-
total
-
11 840
-
-
Income
69 000
69 000
69 000
69 000
Total tax
91 046
27 020
11 304
21 315
After tax
-22 046
41 980
57 696
47 685
Living cost
37 077
37 077
37 077
37 077
Free-cash
-59 123
4 903
20 619
10 608

Estimated living cost  is ₽37077 per week

₽24057
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3487
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽472
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9060
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
₽22025
₽24807
₽24876
₽25259
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
69 000
income
-
-
-
6 301
health
-
-
-
1 760
social contributions
-
-
-
10 764
total
-
-
-
18 825
Employee
59 977
59 977
62 641
-
health
597
1 020
1 064
-
income
6 298
5 552
6 271
-
social contributions
2 914
4 978
5 200
-
total
9 809
11 550
12 535
-
Employer
59 977
59 977
62 641
-
health
650
1 110
1 159
-
social contributions
2 914
4 978
5 200
-
total
3 564
6 088
6 359
-
Corporate
30 328
2 936
-
-
income
3 791
367
-
-
total
3 791
367
-
-
Dividends
26 538
2 568
-
-
withholding
4 512
437
-
-
total
4 512
437
-
-
Income
69 000
69 000
69 000
69 000
Total tax
21 676
18 442
18 894
18 825
After tax
47 324
50 558
50 106
50 175
Living cost
25 299
25 299
25 299
25 299
Free-cash
22 025
25 259
24 807
24 876

Estimated living cost  is ₽25299 per week

₽17294
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1976
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽425
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5604
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
₽19420
₽15405
₽22868
₽23680
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
-
-
-
69 000
income
-
-
-
13 161
pensions
-
-
-
4 951
total
-
-
-
18 112
Employee
38 461
-
60 866
-
health
502
-
960
-
pensions
2 936
-
5 625
-
income
7 004
-
10 857
-
total
10 442
-
17 442
-
Employer
38 461
-
60 866
-
health
731
-
1 156
-
pensions
3 886
-
6 977
-
total
4 617
-
8 133
-
Corporate
25 922
69 000
-
-
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.

4 926
13 109
-
-
total
4 926
13 109
-
-
Dividends
20 997
55 891
-
-
withholding
1 575
4 191
-
-
total
1 575
4 191
-
-
Income
69 000
69 000
69 000
69 000
Total tax
21 560
17 300
25 575
18 112
After tax
47 440
51 700
43 425
50 888
Living cost
28 020
28 020
28 020
28 020
Free-cash
19 420
23 680
15 405
22 868

Estimated living cost  is ₽28020 per week

₽19221
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2577
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.
₽5869
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
₽1726
₽1240
₽4396
₽5273
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
-
-
-
69 000
municipal
-
-
-
462
regional
-
-
-
1 294
social contributions
-
-
-
17 747
national
-
-
-
14 029
total
-
-
-
33 532
Employee
65 726
-
69 000
-
social contributions
22 162
-
23 267
-
regional
992
-
1 078
-
national
11 107
-
11 932
-
municipal
392
-
411
-
total
34 653
-
36 688
-
Employer
65 726
-
69 000
-
total
-
-
-
-
Corporate
3 274
69 000
-
-
nationa
786
16 560
-
-
municipal
158
3 326
-
-
total
944
19 886
-
-
Dividends
2 330
49 114
-
-
withholding
605
12 769
-
-
total
605
12 769
-
-
Income
69 000
69 000
69 000
69 000
Total tax
36 202
32 655
36 688
33 532
After tax
32 798
36 345
32 312
35 468
Living cost
31 072
31 072
31 072
31 072
Free-cash
1 726
5 273
1 240
4 396

Estimated living cost  is ₽31072 per week

₽21826
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2137
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽469
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.
₽6638
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
₽3006
₽18330
₽30569
-₽11248
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
-
-
-
69 000
pensions
-
-
-
3 184
income
-
-
-
16 264
other
-
-
-
284
health
-
-
-
1 669
accident
-
-
-
193
total
-
-
-
21 594
Employee
26 486
-
58 172
-
health
3 033
-
6 661
-
pensions
2 982
-
5 839
-
income
3 634
-
10 505
-
total
9 649
-
23 005
-
Employer
26 486
-
58 172
-
pensions
4 307
-
8 432
-
accident
442
-
971
-
unemployment
649
-
1 425
-
total
5 398
-
10 828
-
Corporate
37 116
69 000
-
-
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.

33 405
62 100
-
-
total
33 405
62 100
-
-
Dividends
3 712
6 900
-
-
withholding
705
1 311
-
-
total
705
1 311
-
-
Income
69 000
69 000
69 000
69 000
Total tax
49 157
63 411
33 833
21 594
After tax
19 843
5 589
35 167
47 406
Living cost
16 837
16 837
16 837
16 837
Free-cash
3 006
-11 248
18 330
30 569

Estimated living cost  is ₽16837 per week

₽12340
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽933
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.
₽3213
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
₽15714
₽19998
₽15300
₽5510
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.

-
-
-
69 000
trade
-
-
-
4 698
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.

-
-
-
12 852
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.

-
-
-
5 329
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.

-
-
-
708
total
-
-
-
23 587
Employee

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

38 809
-
69 000
-
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.

5 329
-
5 329
-
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.

3 191
-
12 852
-
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.

176
-
708
-
total
8 696
-
18 889
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
30 191
69 000
-
-
income
4 529
10 351
-
-
trade
4 332
9 902
-
-
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.

249
570
-
-
chamber of commerce
163
219
-
-
total
9 273
21 042
-
-
Dividends
20 918
47 958
-
-
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.

271
642
-
-
withholding
4 933
11 693
-
-
total
5 204
12 335
-
-
Income
69 000
69 000
69 000
69 000
Total tax
23 173
33 377
18 889
23 587
After tax
45 827
35 623
50 111
45 413
Living cost
30 113
30 113
30 113
30 113
Free-cash
15 714
5 510
19 998
15 300

Estimated living cost  is ₽30113 per week

₽20772
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3240
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽437
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.
₽5663
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
₽32575
₽22768
₽20710
₽38974
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.

-
-
-
69 000
income
-
-
-
9 880
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.

-
-
-
22 183
surtax
-
-
-
-
total
-
-
-
32 063
Employee
22 791
-
55 605
-
income
4 057
-
10 494
-
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.

2 507
-
6 116
-
surtax
-
-
-
-
total
6 564
-
16 610
-
Employer
22 791
-
55 605
-
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.

5 490
-
13 395
-
surtax
-
-
-
-
total
5 490
-
13 395
-
Corporate
40 719
69 000
-
-
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%.

8 144
13 799
-
-
total
8 144
13 799
-
-
Dividends

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

32 575
55 201
-
-
total
-
-
-
-
Income
69 000
69 000
69 000
69 000
Total tax
20 198
13 799
30 005
32 063
After tax
48 802
55 201
38 995
36 937
Living cost
16 227
16 227
16 227
16 227
Free-cash
32 575
38 974
22 768
20 710

Estimated living cost  is ₽16227 per week

₽10352
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1545
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽369
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.
₽3961
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
₽31554
₽28467
₽29169
₽33177
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
-
-
-
69 000
income
-
-
-
17 521
health
-
-
-
5 225
pensions
-
-
-
7 206
total
-
-
-
29 952
Employee
15 047
-
60 893
-
health
752
-
1 802
-
unemployment
151
-
360
-
pensions
1 354
-
3 243
-
income
2 911
-
17 142
-
total
5 168
-
22 547
-
Employer
15 047
-
60 893
-
health
1 430
-
3 423
-
pensions
1 655
-
3 963
-
unemployment
301
-
721
-
total
3 386
-
8 107
-
Corporate
50 567
69 000
-
-
income
11 125
15 180
-
-
total
11 125
15 180
-
-
Dividends
39 442
53 820
-
-
withholding
7 888
10 764
-
-
total
7 888
10 764
-
-
Income
69 000
69 000
69 000
69 000
Total tax
27 567
25 944
30 654
29 952
After tax
41 433
43 056
38 346
39 048
Living cost
9 879
9 879
9 879
9 879
Free-cash
31 554
33 177
28 467
29 169

Estimated living cost  is ₽9879 per week

₽5871
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽801
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽226
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.
₽2981
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
₽23401
₽17577
₽18903
₽25882
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
-
-
-
69 000
pensions
-
-
-
13 799
unemployment
-
-
-
178
income
-
-
-
12 330
other
-
-
-
-
health
-
-
-
4 899
surtax
-
-
-
1 372
total
-
-
-
32 578
Employee
26 267
-
57 002
-
health
671
-
1 454
-
unemployment
1 828
-
3 967
-
pensions
1 753
-
3 803
-
income
4 403
-
11 462
-
other
-
-
-
-
surtax
93
-
1 220
-
total
8 748
-
21 906
-
Employer
26 267
-
57 002
-
health
1 194
-
2 593
-
pensions
3 502
-
7 598
-
unemployment
833
-
1 807
-
other
-
-
-
-
total
5 529
-
11 998
-
Corporate
37 203
69 000
-
-
income
9 673
17 939
-
-
total
9 673
17 939
-
-
Dividends
27 530
51 061
-
-
withholding
4 130
7 660
-
-
total
4 130
7 660
-
-
Income
69 000
69 000
69 000
69 000
Total tax
28 080
25 599
33 904
32 578
After tax
40 920
43 401
35 096
36 422
Living cost
17 519
17 519
17 519
17 519
Free-cash
23 401
25 882
17 577
18 903

Estimated living cost  is ₽17519 per week

₽10577
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1523
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.
₽5013
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
₽13644
-₽2285
₽10946
₽14033
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
-
-
-
69 000
pensions
-
-
-
12 765
chamber of commerce
-
-
-
275
unemployment
-
-
-
4