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
₽ 70000
per

Your estimated
City
free-cash

Valencia , Spain
₽13406
₽12910
₽22716
₽18045
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
-
-
-
70 000
income
-
-
-
11 599
accident
-
-
-
630
unemployment
-
-
-
490
pensions
-
-
-
19 810
other
-
-
-
69
total
-
-
-
32 598
Employee
32 932
-
53 078
-
other
32
-
52
-
income
6 349
-
11 812
-
unemployment
510
-
823
-
pensions
1 548
-
2 495
-
total
8 439
-
15 182
-
Employer
32 932
-
53 078
-
unemployment
1 812
-
2 919
-
pensions
7 771
-
12 526
-
other
264
-
424
-
accident
652
-
1 051
-
total
10 499
-
16 920
-
Corporate
26 568
70 000
-
-
income

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

3 985
10 499
-
-
total
3 985
10 499
-
-
Dividends
22 583
59 501
-
-
withholding
4 540
12 293
-
-
total
4 540
12 293
-
-
Income
70 000
70 000
70 000
70 000
Total tax
27 463
22 792
32 102
32 598
After tax
42 537
47 208
37 898
37 402
Living cost
24 492
24 492
24 492
24 492
Free-cash
18 045
22 716
13 406
12 910

Estimated living cost  is ₽24492 per week

₽16532
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2354
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.
₽5177
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
₽17299
₽14172
₽27699
₽21681
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
-
-
-
70 000
income
-
-
-
8 892
health
-
-
-
3 079
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.

-
-
-
16 800
other
-
-
-
3 325
total
-
-
-
32 096
Employee
32 338
-
55 911
-
income
5 567
-
9 624
-
health
453
-
783
-
unemployment
323
-
559
-
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.

2 263
-
3 913
-
total
8 606
-
14 879
-
Employer
32 338
-
55 911
-
unemployment
323
-
559
-
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.

5 498
-
9 504
-
other
1 617
-
2 796
-
accident
259
-
448
-
health
453
-
783
-
total
8 150
-
14 090
-
Corporate
29 512
70 000
-
-
income
6 198
14 699
-
-
total
6 198
14 699
-
-
Dividends
23 314
55 301
-
-
withholding
1 633
3 870
-
-
total
1 633
3 870
-
-
Income
70 000
70 000
70 000
70 000
Total tax
24 587
18 569
28 969
32 096
After tax
45 413
51 431
41 031
37 904
Living cost
23 732
23 732
23 732
23 732
Free-cash
21 681
27 699
17 299
14 172

Estimated living cost  is ₽23732 per week

₽16768
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1602
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽382
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4979
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
₽41355
₽39544
₽48189
₽44057
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
-
-
-
70 000
income
-
-
-
10 500
health
-
-
-
3 573
unemployment
-
-
-
124
pensions

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

-
-
-
4 598
total
-
-
-
18 795
Employee
15 441
-
63 905
-
income
1 544
-
6 390
-
health
710
-
1 429
-
accident

We are using the highest rate at 1.1%.

170
-
342
-
pensions

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

1 356
-
2 728
-
total
3 780
-
10 889
-
Employer
15 441
-
63 905
-
unemployment
92
-
186
-
pensions

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

1 702
-
3 423
-
accident

We are using the highest rate at 1.1%.

170
-
342
-
health
1 066
-
2 144
-
total
3 030
-
6 095
-
Corporate
51 530
70 000
-
-
income
5 153
7 000
-
-
total
5 153
7 000
-
-
Dividends
46 377
63 000
-
-
withholding
2 319
3 150
-
-
total
2 319
3 150
-
-
Income
70 000
70 000
70 000
70 000
Total tax
14 282
10 150
16 984
18 795
After tax
55 718
59 850
53 016
51 205
Living cost
11 661
11 661
11 661
11 661
Free-cash
44 057
48 189
41 355
39 544

Estimated living cost  is ₽11661 per week

₽6808
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽833
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽309
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.
₽3712
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
₽11146
₽10081
₽4809
₽10068
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
-
-
-
70 000
income
-
-
-
3 916
social contributions
-
-
-
1 994
health
-
-
-
605
surtax
-
-
-
-
pensions
-
-
-
20 762
other
-
-
-
2 170
total
-
-
-
29 447
Employee
38 118
-
53 340
-
income
2 250
-
4 170
-
social contributions
1 087
-
1 519
-
surtax
-
-
-
-
pensions
4 310
-
6 032
-
total
7 647
-
11 721
-
Employer
38 118
-
53 340
-
unemployment
1 543
-
2 160
-
social contributions
115
-
161
-
pensions
6 262
-
8 765
-
other
1 315
-
1 841
-
health
2 669
-
3 734
-
total
11 904
-
16 661
-
Corporate
19 978
70 000
-
-
income
5 594
19 599
-
-
surtax
-
-
-
-
total
5 594
19 599
-
-
Dividends
14 383
50 401
-
-
withholding
1 841
6 451
-
-
surtax
-
-
-
-
social contributions
2 474
8 669
-
-
total
4 315
15 120
-
-
Income
70 000
70 000
70 000
70 000
Total tax
29 460
34 719
28 382
29 447
After tax
40 540
35 281
41 618
40 553
Living cost
30 472
30 472
30 472
30 472
Free-cash
10 068
4 809
11 146
10 081

Estimated living cost  is ₽30472 per week

₽19214
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2478
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽519
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8263
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
-₽18442
₽2529
-₽13443
-₽18442
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
-
-
-
70 000
income
-
-
-
10 141
health
-
-
-
9 585
pensions
-
-
-
10 435
total
-
-
-
30 161
Employee
76 057
76 057
76 057
-
income

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

12 449
12 449
12 449
-
health
11 674
9 930
11 674
-
pensions
13 690
10 435
13 690
-
total
37 813
32 814
37 813
-
Employer
76 057
76 057
76 057
-
unemployment
2 738
2 738
2 738
-
pensions
5 294
5 294
5 294
-
health
5 287
5 287
5 287
-
total
13 319
13 319
13 319
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Income
70 000
70 000
70 000
70 000
Total tax
51 132
46 133
51 132
30 161
After tax
18 868
23 867
18 868
39 839
Living cost
37 310
37 310
37 310
37 310
Free-cash
-18 442
-13 443
-18 442
2 529

Estimated living cost  is ₽37310 per week

₽26441
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3363
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽593
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.
₽6913
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
₽24727
₽20224
₽8469
₽18322
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.

-
-
-
70 000
income

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

-
-
-
11 574
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.

-
-
-
6 085
trade
-
-
-
4 503
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.

-
-
-
637
total
-
-
-
22 799
Employee

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

34 065
-
70 000
-
income

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

952
-
11 574
-
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.

6 085
-
6 085
-
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.

52
-
637
-
total
7 089
-
18 296
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
35 935
70 000
-
-
chamber of commerce
188
237
-
-
income
5 390
10 499
-
-
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.

296
578
-
-
trade
5 660
11 025
-
-
total
11 534
22 339
-
-
Dividends
24 401
47 661
-
-
withholding
5 762
11 578
-
-
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.

316
637
-
-
total
6 078
12 215
-
-
Income
70 000
70 000
70 000
70 000
Total tax
24 701
34 554
18 296
22 799
After tax
45 299
35 446
51 704
47 201
Living cost
26 977
26 977
26 977
26 977
Free-cash
18 322
8 469
24 727
20 224

Estimated living cost  is ₽26977 per week

₽16969
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3145
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽504
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.
₽6358
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
₽30086
₽31308
₽29238
₽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
-
-
-
70 000
income
-
-
-
5 366
social contributions
-
-
-
10 920
health
-
-
-
1 785
total
-
-
-
18 071
Employee
68 486
68 486
68 486
-
income
7 457
6 340
6 487
-
social contributions
2 589
5 684
5 275
-
health
531
1 165
1 080
-
total
10 577
13 189
12 842
-
Employer
68 486
68 486
68 486
-
social contributions
2 589
5 684
5 275
-
health
576
1 268
1 176
-
total
3 165
6 952
6 451
-
Corporate
35 636
-
-
-
income
4 455
-
-
-
total
4 455
-
-
-
Dividends
31 181
-
-
-
withholding
5 300
-
-
-
total
5 300
-
-
-
Income
70 000
70 000
70 000
70 000
Total tax
23 497
20 141
19 293
18 071
After tax
46 503
49 859
50 707
51 929
Living cost
20 621
20 621
20 621
20 621
Free-cash
25 882
29 238
30 086
31 308

Estimated living cost  is ₽20621 per week

₽12358
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2023
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽456
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.
₽5784
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
₽8865
₽11722
₽11880
₽10982
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.

-
-
-
70 000
income
-
-
-
6 016
social contributions

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

-
-
-
24 325
surtax
-
-
-
-
total
-
-
-
30 341
Employee
40 963
-
56 565
-
income
8 520
-
13 543
-
social contributions
4 506
-
6 222
-
surtax
-
-
-
-
total
13 026
-
19 765
-
Employer
40 963
-
56 565
-
social contributions
9 729
-
13 433
-
total
9 729
-
13 433
-
Corporate
19 309
70 000
-
-
income
4 055
14 699
-
-
surtax
-
-
-
-
total
4 055
14 699
-
-
Dividends
15 254
55 301
-
-
withholding
4 271
15 484
-
-
total
4 271
15 484
-
-
Income
70 000
70 000
70 000
70 000
Total tax
31 081
30 183
33 198
30 341
After tax
38 919
39 817
36 802
39 659
Living cost
27 937
27 937
27 937
27 937
Free-cash
10 982
11 880
8 865
11 722

Estimated living cost  is ₽27937 per week

₽20902
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1648
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽466
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.
₽4920
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
₽49659
₽62959
₽60159
₽58970
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%.

-
-
-
70 000
microenterprise

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

-
-
-
700
total
-
-
-
700
Employee
7 926
-
70 000
-
income
1 585
-
14 000
-
total
1 585
-
14 000
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

62 074
70 000
-
-
total
-
-
-
-
Dividends
62 074
70 000
-
-
withholding
3 104
3 500
-
-
total
3 104
3 500
-
-
Income
70 000
70 000
70 000
70 000
Total tax
4 689
3 500
14 000
700
After tax
65 311
66 500
56 000
69 300
Living cost
6 341
6 341
6 341
6 341
Free-cash
58 970
60 159
49 659
62 959

Estimated living cost  is ₽6341 per week

₽3930
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽527
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽174
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.
₽1710
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
₽11157
₽13164
₽24306
₽16856
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.

-
-
-
70 000
income
-
-
-
13 171
health
-
-
-
6 887
unemployment
-
-
-
105
pensions
-
-
-
12 784
total
-
-
-
32 947
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.

39 385
-
60 569
-
income
6 792
-
12 136
-
health
2 544
-
3 913
-
unemployment
56
-
85
-
pensions
6 105
-
9 389
-
total
15 497
-
25 523
-
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.

39 385
-
60 569
-
unemployment
24
-
37
-
pensions
3 485
-
5 360
-
health
2 623
-
4 034
-
total
6 132
-
9 431
-
Corporate
24 484
70 000
-
-
income
4 651
13 300
-
-
total
4 651
13 300
-
-
Dividends
19 832
56 700
-
-
withholding
2 975
8 505
-
-
total
2 975
8 505
-
-
Income
70 000
70 000
70 000
70 000
Total tax
29 255
21 805
34 954
32 947
After tax
40 745
48 195
35 046
37 053
Living cost
23 889
23 889
23 889
23 889
Free-cash
16 856
24 306
11 157
13 164

Estimated living cost  is ₽23889 per week

₽16395
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1531
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.
₽5501
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
₽18781
₽6548
₽8463
₽13622
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.

-
-
-
70 000
income
-
-
-
25 352
health

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

-
-
-
5 769
total
-
-
-
31 121
Employee
40 858
-
65 903
-
social contributions
4 094
-
4 097
-
income
4 433
-
10 694
-
total
8 527
-
14 791
-
Employer
40 858
-
65 903
-
social contributions
4 094
-
4 097
-
total
4 094
-
4 097
-
Corporate
25 049
70 000
-
-
income
8 767
24 501
-
-
total
8 767
24 501
-
-
Dividends
16 282
45 499
-
-
social contributions
2 659
4 705
-
-
total
2 659
4 705
-
-
Income
70 000
70 000
70 000
70 000
Total tax
24 047
29 206
18 888
31 121
After tax
45 953
40 794
51 112
38 879
Living cost
32 331
32 331
32 331
32 331
Free-cash
13 622
8 463
18 781
6 548

Estimated living cost  is ₽32331 per week

₽21296
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2549
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽495
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.
₽7989
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
₽27178
₽26070
₽23820
₽24282
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
-
-
-
70 000
income
-
-
-
10 499
social contributions
-
-
-
9 659
health
-
-
-
4 886
total
-
-
-
25 044
Employee
30 198
-
70 000
-
income
5 037
-
9 391
-
social contributions
4 168
-
9 659
-
health
2 108
-
4 886
-
total
11 313
-
23 936
-
Employer
30 198
-
70 000
-
total
-
-
-
-
Corporate
39 802
70 000
-
-
income

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

1 989
3 500
-
-
total
1 989
3 500
-
-
Dividends
37 813
66 500
-
-
withholding
5 672
9 975
-
-
health
2 640
4 641
-
-
social contributions
5 218
9 178
-
-
total
13 530
23 794
-
-
Income
70 000
70 000
70 000
70 000
Total tax
26 832
27 294
23 936
25 044
After tax
43 168
42 706
46 064
44 956
Living cost
18 886
18 886
18 886
18 886
Free-cash
24 282
23 820
27 178
26 070

Estimated living cost  is ₽18886 per week

₽12639
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1165
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.
₽4646
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
₽11297
₽9869
₽23970
₽15328
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
-
-
-
70 000
income
-
-
-
6 016
social contributions
-
-
-
20 440
solidarity contribution
-
-
-
-
health
-
-
-
9 450
total
-
-
-
35 906
Employee
35 625
-
52 239
-
solidarity contribution
-
-
-
-
income
4 275
-
6 269
-
social contributions
2 316
-
3 396
-
health
4 809
-
7 052
-
total
11 400
-
16 717
-
Employer
35 625
-
52 239
-
social contributions
8 906
-
13 060
-
health
3 206
-
4 701
-
total
12 112
-
17 761
-
Corporate
22 262
70 000
-
-
income
4 230
13 300
-
-
total
4 230
13 300
-
-
Dividends
18 032
56 700
-
-
withholding
2 705
8 505
-
-
total
2 705
8 505
-
-
Income
70 000
70 000
70 000
70 000
Total tax
30 447
21 805
34 478
35 906
After tax
39 553
48 195
35 522
34 094
Living cost
24 225
24 225
24 225
24 225
Free-cash
15 328
23 970
11 297
9 869

Estimated living cost  is ₽24225 per week

₽18015
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1342
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.
₽4449
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
₽46118
₽59418
₽56618
₽54765
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%.

-
-
-
70 000
microenterprise

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

-
-
-
700
total
-
-
-
700
Employee
12 352
-
70 000
-
income
2 471
-
14 000
-
total
2 471
-
14 000
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

57 648
70 000
-
-
total
-
-
-
-
Dividends
57 648
70 000
-
-
withholding
2 882
3 500
-
-
total
2 882
3 500
-
-
Income
70 000
70 000
70 000
70 000
Total tax
5 353
3 500
14 000
700
After tax
64 647
66 500
56 000
69 300
Living cost
9 882
9 882
9 882
9 882
Free-cash
54 765
56 618
46 118
59 418

Estimated living cost  is ₽9882 per week

₽6687
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽415
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽331
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.
₽2448
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
-₽1399
-₽2464
-₽7736
-₽3204
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
-
-
-
70 000
income
-
-
-
3 916
social contributions
-
-
-
1 994
health
-
-
-
605
surtax
-
-
-
-
pensions
-
-
-
20 762
other
-
-
-
2 170
total
-
-
-
29 447
Employee
55 783
-
53 340
-
income
4 867
-
4 170
-
social contributions
1 589
-
1 519
-
surtax
-
-
-
-
pensions
6 309
-
6 032
-
total
12 765
-
11 721
-
Employer
55 783
-
53 340
-
unemployment
2 260
-
2 160
-
social contributions
167
-
161
-
pensions
9 166
-
8 765
-
other
1 925
-
1 841
-
health
3 904
-
3 734
-
total
17 422
-
16 661
-
Corporate
-
70 000
-
-
income
-
19 599
-
-
surtax
-
-
-
-
total
-
19 599
-
-
Dividends
-
50 401
-
-
withholding
-
6 451
-
-
surtax
-
-
-
-
social contributions
-
8 669
-
-
total
-
15 120
-
-
Income
70 000
70 000
70 000
70 000
Total tax
30 187
34 719
28 382
29 447
After tax
39 813
35 281
41 618
40 553
Living cost
43 017
43 017
43 017
43 017
Free-cash
-3 204
-7 736
-1 399
-2 464

Estimated living cost  is ₽43017 per week

₽29113
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3519
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽590
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.
₽9795
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
₽20933
₽19387
₽35210
₽30838
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.

-
-
-
70 000
income
-
-
-
10 428
health
-
-
-
6 763
unemployment
-
-
-
985
pensions
-
-
-
17 072
total
-
-
-
35 248
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.

23 169
-
59 372
-
income
3 194
-
11 259
-
health
1 193
-
3 058
-
unemployment
174
-
445
-
pensions
3 244
-
8 312
-
total
7 805
-
23 074
-
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.

23 169
-
59 372
-
unemployment
174
-
445
-
pensions
2 780
-
7 125
-
health
1 193
-
3 058
-
total
4 147
-
10 628
-
Corporate
42 684
70 000
-
-
income
6 403
10 500
-
-
total
6 403
10 500
-
-
Dividends
36 281
59 500
-
-
withholding
5 442
8 925
-
-
total
5 442
8 925
-
-
Income
70 000
70 000
70 000
70 000
Total tax
23 797
19 425
33 702
35 248
After tax
46 203
50 575
36 298
34 752
Living cost
15 365
15 365
15 365
15 365
Free-cash
30 838
35 210
20 933
19 387

Estimated living cost  is ₽15365 per week

₽10345
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1188
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽445
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.
₽3387
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
-₽7032
-₽3449
-₽30191
-₽9725
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
-
-
-
70 000
regional
-
-
-
2 158
national
-
-
-
311
health
-
-
-
203
city
-
-
-
738
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.

-
-
-
1 399
pensions
-
-
-
6 440
total
-
-
-
11 249
Employee
72 790
-
62 655
-
regional
2 384
-
1 834
-
city
781
-
673
-
health
165
-
141
-
unemployment
-
-
-
-
national
345
-
263
-
pensions
6 115
-
5 264
-
total
9 790
-
8 175
-
Employer
72 790
-
62 655
-
unemployment
-
-
-
-
pensions
6 115
-
5 264
-
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.

1 455
-
1 252
-
health
165
-
141
-
total
7 735
-
6 657
-
Corporate
-
70 000
-
-
regional
-
14 804
-
-
national
-
5 951
-
-
total
-
20 755
-
-
Dividends
-
49 245
-
-
withholding
-
17 236
-
-
total
-
17 236
-
-
Income
70 000
70 000
70 000
70 000
Total tax
17 525
37 991
14 832
11 249
After tax
52 475
32 009
55 168
58 751
Living cost
62 200
62 200
62 200
62 200
Free-cash
-9 725
-30 191
-7 032
-3 449

Estimated living cost  is ₽62200 per week

₽40448
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5582
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽764
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.
₽15407
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
₽7247
₽17479
₽13511
₽9896
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

-
-
-
70 000
municipal
-
-
-
12 473
national
-
-
-
5 148
health
-
-
-
706
total
-
-
-
18 327
Employee
46 859
-
58 889
-
health
350
-
536
-
unemployment
703
-
884
-
national
774
-
2 424
-
municipal
7 675
-
9 629
-
pensions
3 162
-
3 975
-
total
12 664
-
17 448
-
Employer
46 859
-
58 889
-
unemployment
304
-
382
-
pensions
8 130
-
10 217
-
accident
47
-
59
-
health
360
-
453
-
total
8 841
-
11 111
-
Corporate
14 300
70 000
-
-
income
2 860
14 000
-
-
total
2 860
14 000
-
-
Dividends

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

8 580
42 000
-
-
national
-
735
-
-
municipal
1 545
7 560
-
-
total
1 545
8 295
-
-
Income
70 000
70 000
70 000
70 000
Total tax
25 910
22 295
28 559
18 327
After tax
44 090
47 705
41 441
51 673
Living cost
34 194
34 194
34 194
34 194
Free-cash
9 896
13 511
7 247
17 479

Estimated living cost  is ₽34194 per week

₽22336
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3289
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽544
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.
₽8027
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
-₽4046
₽2315
₽6854
-₽12253
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
-
-
-
70 000
national
-
-
-
21 713
social contributions
-
-
-
9 891
communal

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

-
-
-
3 607
total
-
-
-
35 211
Employee

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

63 708
-
54 217
-
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.

2 993
-
2 549
-
communal

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

3 323
-
2 828
-
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.

554
-
472
-
national
19 586
-
15 873
-
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.

4 778
-
4 067
-
total
31 234
-
25 789
-
Employer

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

63 708
-
54 217
-
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.

930
-
791
-
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.

5 645
-
4 803
-
surtax
7 224
-
6 149
-
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.

828
-
705
-
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.

3 918
-
3 335
-
total
18 545
-
15 783
-
Corporate
-
70 000
-
-
income
-
14 000
-
-
surtax
-
281
-
-
total
-
14 281
-
-
Dividends
-
55 720
-
-
withholding

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

-
16 391
-
-
total
-
16 391
-
-
Income
70 000
70 000
70 000
70 000
Total tax
49 779
30 672
41 572
35 211
After tax
20 221
39 328
28 428
34 789
Living cost
32 474
32 474
32 474
32 474
Free-cash
-12 253
6 854
-4 046
2 315

Estimated living cost  is ₽32474 per week

₽20917
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2839
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽509
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.
₽8209
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
₽1194
-₽1293
₽2033
₽1221
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
-
-
-
70 000
municipal
-
-
-
14 827
national
-
-
-
-
health
-
-
-
4 368
accident
-
-
-
140
unemployment
-
-
-
70
pensions
-
-
-
7 567
other
-
-
-
8 134
total
-
-
-
35 106
Employee
51 564
-
53 264
-
national
-
-
-
-
municipal
15 376
-
15 883
-
total
15 376
-
15 883
-
Employer
51 564
-
53 264
-
unemployment
1 361
-
1 406
-
pensions
5 574
-
5 758
-
other
5 992
-
6 189
-
accident
103
-
107
-
health
3 171
-
3 276
-
total
16 201
-
16 736
-
Corporate
2 235
70 000
-
-
income
492
15 400
-
-
total
492
15 400
-
-
Dividends
1 743
54 600
-
-
withholding
523
16 380
-
-
total
523
16 380
-
-
Income
70 000
70 000
70 000
70 000
Total tax
32 592
31 780
32 619
35 106
After tax
37 408
38 220
37 381
34 894
Living cost
36 187
36 187
36 187
36 187
Free-cash
1 221
2 033
1 194
-1 293

Estimated living cost  is ₽36187 per week

₽23984
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3551
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽550
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8103
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
₽19460
₽9645
₽3857
-₽63839
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
-
-
-
70 000
income
-
-
-
13 644
social contributions
-
-
-
7 980
total
-
-
-
21 624
Employee
55 535
-
-
-
income
12 250
-
-
-
social contributions
4 554
-
649
-
total
16 804
-
649
-
Employer
55 535
-
-
-
social contributions
78 304
-
11 160
-
total
78 304
-
11 160
-
Corporate
-
70 000
-
-
income
-
15 400
-
-
total
-
15 400
-
-
Dividends
-
54 600
-
-
income
-
12 012
-
-
total
-
12 012
-
-
Income
70 000
70 000
70 000
70 000
Total tax
95 108
27 412
11 809
21 624
After tax
-25 108
42 588
58 191
48 376
Living cost
38 731
38 731
38 731
38 731
Free-cash
-63 839
3 857
19 460
9 645

Estimated living cost  is ₽38731 per week

₽25130
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3643
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽494
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.
₽9464
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
₽21819
₽23041
₽20971
₽18768
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
-
-
-
70 000
income
-
-
-
5 366
social contributions
-
-
-
10 920
health
-
-
-
1 785
total
-
-
-
18 071
Employee
68 486
68 486
68 486
-
income
7 192
6 340
6 487
-
social contributions
3 328
5 684
5 275
-
health
681
1 165
1 080
-
total
11 201
13 189
12 842
-
Employer
68 486
68 486
68 486
-
social contributions
3 328
5 684
5 275
-
health
742
1 268
1 176
-
total
4 070
6 952
6 451
-
Corporate
25 841
-
-
-
income
3 230
-
-
-
total
3 230
-
-
-
Dividends
22 611
-
-
-
withholding
3 843
-
-
-
total
3 843
-
-
-
Income
70 000
70 000
70 000
70 000
Total tax
22 344
20 141
19 293
18 071
After tax
47 656
49 859
50 707
51 929
Living cost
28 888
28 888
28 888
28 888
Free-cash
18 768
20 971
21 819
23 041

Estimated living cost  is ₽28888 per week

₽19748
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2256
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽485
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.
₽6399
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
₽12339
₽20084
₽20418
₽15553
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
-
-
-
70 000
income
-
-
-
13 027
pensions
-
-
-
4 860
total
-
-
-
17 887
Employee
43 964
-
61 906
-
income
8 006
-
11 090
-
health
573
-
942
-
pensions
3 356
-
5 509
-
total
11 935
-
17 541
-
Employer
43 964
-
61 906
-
pensions
4 442
-
6 916
-
health
836
-
1 175
-
total
5 278
-
8 091
-
Corporate
20 759
70 000
-
-
income

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

3 944
13 301
-
-
total
3 944
13 301
-
-
Dividends
16 814
56 699
-
-
withholding
1 261
4 252
-
-
total
1 261
4 252
-
-
Income
70 000
70 000
70 000
70 000
Total tax
22 418
17 553
25 632
17 887
After tax
47 582
52 447
44 368
52 113
Living cost
32 029
32 029
32 029
32 029
Free-cash
15 553
20 418
12 339
20 084

Estimated living cost  is ₽32029 per week

₽21971
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2945
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽401
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.
₽6709
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
-₽2027
₽1286
₽1390
-₽5052
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
-
-
-
70 000
municipal
-
-
-
468
regional
-
-
-
1 223
national
-
-
-
13 538
social contributions
-
-
-
18 004
total
-
-
-
33 233
Employee
75 051
-
70 000
-
regional
1 133
-
1 013
-
social contributions
25 307
-
23 603
-
national
12 683
-
11 513
-
municipal
448
-
417
-
total
39 571
-
36 546
-
Employer
75 051
-
70 000
-
total
-
-
-
-
Corporate
-
70 000
-
-
nationa
-
16 800
-
-
municipal
-
3 374
-
-
total
-
20 174
-
-
Dividends
-
49 826
-
-
withholding
-
12 955
-
-
total
-
12 955
-
-
Income
70 000
70 000
70 000
70 000
Total tax
39 571
33 129
36 546
33 233
After tax
30 429
36 871
33 454
36 767
Living cost
35 481
35 481
35 481
35 481
Free-cash
-5 052
1 390
-2 027
1 286

Estimated living cost  is ₽35481 per week

₽24923
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2441
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽536
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.
₽7580
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
₽16692
₽29568
-₽12897
₽2821
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
-
-
-
70 000
income
-
-
-
15 986
health
-
-
-
1 841
accident
-
-
-
213
pensions
-
-
-
3 512
other
-
-
-
313
total
-
-
-
21 865
Employee
29 207
-
58 300
-
income
4 007
-
9 927
-
health
3 344
-
6 675
-
pensions
3 289
-
6 439
-
total
10 640
-
23 041
-
Employer
29 207
-
58 300
-
unemployment
716
-
1 428
-
pensions
4 749
-
9 298
-
accident
488
-
974
-
total
5 953
-
11 700
-
Corporate
34 841
70 000
-
-
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.

31 357
63 000
-
-
total
31 357
63 000
-
-
Dividends
3 484
7 000
-
-
withholding
662
1 330
-
-
total
662
1 330
-
-
Income
70 000
70 000
70 000
70 000
Total tax
48 612
64 330
34 741
21 865
After tax
21 388
5 670
35 259
48 135
Living cost
18 567
18 567
18 567
18 567
Free-cash
2 821
-12 897
16 692
29 568

Estimated living cost  is ₽18567 per week

₽13608
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1029
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽388
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.
₽3543
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
₽17319
₽13217
₽1783
₽13435
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.

-
-
-
70 000
income

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

-
-
-
11 574
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.

-
-
-
6 085
trade
-
-
-
4 102
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.

-
-
-
637
total
-
-
-
22 398
Employee

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

44 315
-
70 000
-
income

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

3 644
-
11 574
-
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.

6 085
-
6 085
-
surtax

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

201
-
637
-
total
9 930
-
18 296
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
25 685
70 000
-
-
chamber of commerce
172
238
-
-
income
3 854
10 499
-
-
surtax

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

211
578
-
-
trade
3 686
10 045
-
-
total
7 923
21 360
-
-
Dividends
17 761
48 640
-
-
withholding
4 102
11 821
-
-
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.

225
651
-
-
total
4 327
12 472
-
-
Income
70 000
70 000
70 000
70 000
Total tax
22 180
33 832
18 296
22 398
After tax
47 820
36 168
51 704
47 602
Living cost
34 385
34 385
34 385
34 385
Free-cash
13 435
1 783
17 319
13 217

Estimated living cost  is ₽34385 per week

₽23720
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3700
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽499
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.
₽6467
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
₽21144
₽19057
₽37471
₽30164
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.

-
-
-
70 000
microenterprise
-
-
-
-
income
-
-
-
9 909
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.

-
-
-
22 505
surtax
-
-
-
-
total
-
-
-
32 414
Employee
26 025
-
56 411
-
income
4 633
-
10 533
-
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.

2 863
-
6 205
-
surtax
-
-
-
-
total
7 496
-
16 738
-
Employer
26 025
-
56 411
-
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.

6 269
-
13 589
-
surtax
-
-
-
-
total
6 269
-
13 589
-
Corporate
37 706
70 000
-
-
income

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

7 542
14 000
-
-
total
7 542
14 000
-
-
Dividends

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

30 165
56 000
-
-
total
-
-
-
-
Income
70 000
70 000
70 000
70 000
Total tax
21 307
14 000
30 327
32 414
After tax
48 693
56 000
39 673
37 586
Living cost
18 529
18 529
18 529
18 529
Free-cash
30 164
37 471
21 144
19 057

Estimated living cost  is ₽18529 per week

₽11821
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1765
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽421
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.
₽4523
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
₽26140
₽26971
₽32006
₽30088
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
-
-
-
70 000
income
-
-
-
16 667
health
-
-
-
6 173
pensions
-
-
-
8 515
total
-
-
-
31 355
Employee
17 780
-
60 421
-
income
3 440
-
16 220
-
health
889
-
2 129
-
unemployment
178
-
426
-
pensions
1 600
-
3 832
-
total
6 107
-
22 607
-
Employer
17 780
-
60 421
-
unemployment
356
-
851
-
pensions
1 956
-
4 683
-
health
1 689
-
4 045
-
total
4 001
-
9 579
-
Corporate
48 219
70 000
-
-
income
10 608
15 400
-
-
total
10 608
15 400
-
-
Dividends
37 611
54 600
-
-
withholding
7 522
10 920
-
-
total
7 522
10 920
-
-
Income
70 000
70 000
70 000
70 000
Total tax
28 238
26 320
32 186
31 355
After tax
41 762
43 680
37 814
38 645
Living cost
11 674
11 674
11 674
11 674
Free-cash
30 088
32 006
26 140
26 971

Estimated living cost  is ₽11674 per week

₽6937
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽946
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽267
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.
₽3523
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
₽16419
₽17964
₽24025
₽21192
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
-
-
-
70 000
income
-
-
-
11 708
health
-
-
-
4 969
unemployment
-
-
-
203
surtax
-
-
-
1 151
pensions
-
-
-
14 000
other
-
-
-
-
total
-
-
-
32 031
Employee
29 994
-
57 826
-
other
-
-
-
-
income
5 028
-
11 013
-
health
766
-
1 476
-
unemployment
2 087
-
4 024
-
surtax
106
-
1 031
-
pensions
2 001
-
3 857
-
total
9 988
-
21 401
-
Employer
29 994
-
57 826
-
unemployment
952
-
1 834
-
pensions
3 999
-
7 709
-
other
-
-
-
-
health
1 364
-
2 632
-
total
6 315
-
12 175
-
Corporate
33 692
70 000
-
-
income
8 760
18 200
-
-
total
8 760
18 200
-
-
Dividends
24 932
51 800
-
-
withholding
3 740
7 770
-
-
total
3 740
7 770
-
-
Income
70 000
70 000
70 000
70 000
Total tax
28 803
25 970
33 576
32 031
After tax
41 197
44 030
36 424
37 969
Living cost
20 005
20 005
20 005
20 005
Free-cash
21 192
24 025
16 419
17 964

Estimated living cost  is ₽20005 per week

₽12078
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1739
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽465
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.
₽5725
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
-₽4536
₽9046
₽11241
₽10801
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
-
-
-
70 000
income
-
-
-
8 491
chamber of commerce
-
-
-
281
health
-
-