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
₽ 70500
per

Your estimated
City
free-cash

Valencia , Spain
₽22010
₽16336
₽15835
₽26096
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
-
-
-
70 500
unemployment
-
-
-
494
income
-
-
-
12 093
other
-
-
-
71
accident
-
-
-
634
pensions
-
-
-
19 951
total
-
-
-
33 243
Employee
28 805
-
53 458
-
unemployment
446
-
829
-
pensions
1 354
-
2 513
-
income
5 553
-
12 306
-
other
28
-
53
-
total
7 381
-
15 701
-
Employer
28 805
-
53 458
-
pensions
6 797
-
12 616
-
accident
571
-
1 058
-
unemployment
1 585
-
2 940
-
other
231
-
427
-
total
9 184
-
17 041
-
Corporate
32 512
70 500
-
-
income

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

4 877
10 574
-
-
total
4 877
10 574
-
-
Dividends
27 635
59 926
-
-
withholding
5 626
12 408
-
-
total
5 626
12 408
-
-
Income
70 500
70 500
70 500
70 500
Total tax
27 068
22 982
32 742
33 243
After tax
43 432
47 518
37 758
37 257
Living cost
21 422
21 422
21 422
21 422
Free-cash
22 010
26 096
16 336
15 835

Estimated living cost  is ₽21422 per week

₽14459
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2059
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽375
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.
₽4528
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
₽25779
₽20565
₽17420
₽31040
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
-
-
-
70 500
pensions

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

-
-
-
16 919
income
-
-
-
8 954
other
-
-
-
3 348
health
-
-
-
3 102
total
-
-
-
32 323
Employee
28 285
-
56 310
-
health
396
-
788
-
unemployment
282
-
563
-
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.

1 979
-
3 943
-
income
4 870
-
9 693
-
total
7 527
-
14 987
-
Employer
28 285
-
56 310
-
health
396
-
788
-
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.

4 809
-
9 574
-
accident
226
-
451
-
unemployment
282
-
563
-
other
1 415
-
2 815
-
total
7 128
-
14 191
-
Corporate
35 087
70 500
-
-
income
7 368
14 805
-
-
total
7 368
14 805
-
-
Dividends
27 719
55 695
-
-
withholding
1 941
3 898
-
-
total
1 941
3 898
-
-
Income
70 500
70 500
70 500
70 500
Total tax
23 964
18 703
29 178
32 323
After tax
46 536
51 797
41 322
38 177
Living cost
20 757
20 757
20 757
20 757
Free-cash
25 779
31 040
20 565
17 420

Estimated living cost  is ₽20757 per week

₽14666
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1401
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽334
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.
₽4355
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
₽46461
₽44514
₽42465
₽50075
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
-
-
-
70 500
pensions

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

-
-
-
4 023
unemployment
-
-
-
109
income
-
-
-
10 575
health
-
-
-
3 126
total
-
-
-
17 833
Employee
13 509
-
65 167
-
health
621
-
1 250
-
accident

We are using the highest rate at 1.1%.

149
-
299
-
pensions

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

1 186
-
2 387
-
income
1 351
-
6 516
-
total
3 307
-
10 452
-
Employer
13 509
-
65 167
-
health
932
-
1 875
-
pensions

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

1 489
-
2 995
-
accident

We are using the highest rate at 1.1%.

149
-
299
-
unemployment
81
-
163
-
total
2 651
-
5 332
-
Corporate
54 340
70 500
-
-
income
5 434
7 050
-
-
total
5 434
7 050
-
-
Dividends
48 906
63 450
-
-
withholding
2 445
3 173
-
-
total
2 445
3 173
-
-
Income
70 500
70 500
70 500
70 500
Total tax
13 837
10 223
15 784
17 833
After tax
56 663
60 277
54 716
52 667
Living cost
10 202
10 202
10 202
10 202
Free-cash
46 461
50 075
44 514
42 465

Estimated living cost  is ₽10202 per week

₽5956
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽729
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽270
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.
₽3247
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
₽13479
₽13928
₽14159
₽8880
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
-
-
-
70 500
income
-
-
-
5 667
other
-
-
-
2 186
health
-
-
-
897
social contributions
-
-
-
2 009
pensions
-
-
-
18 930
surtax
-
-
-
-
total
-
-
-
29 689
Employee
33 340
-
53 723
-
pensions
3 770
-
6 076
-
income
1 968
-
5 534
-
social contributions
951
-
1 532
-
surtax
-
-
-
-
total
6 689
-
13 142
-
Employer
33 340
-
53 723
-
health
2 334
-
3 761
-
social contributions
101
-
161
-
pensions
5 477
-
8 826
-
unemployment
1 350
-
2 176
-
other
1 150
-
1 854
-
total
10 412
-
16 778
-
Corporate
26 748
70 500
-
-
income
7 489
19 740
-
-
surtax
-
-
-
-
total
7 489
19 740
-
-
Dividends
19 259
50 760
-
-
social contributions
3 313
8 731
-
-
surtax
-
-
-
-
withholding
2 466
6 497
-
-
total
5 779
15 228
-
-
Income
70 500
70 500
70 500
70 500
Total tax
30 369
34 968
29 920
29 689
After tax
40 131
35 532
40 580
40 811
Living cost
26 652
26 652
26 652
26 652
Free-cash
13 479
8 880
13 928
14 159

Estimated living cost  is ₽26652 per week

₽16805
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2167
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.
₽7227
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
-₽6857
-₽6857
₽7425
-₽2484
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
-
-
-
70 500
pensions
-
-
-
9 127
income
-
-
-
12 403
health
-
-
-
8 911
total
-
-
-
30 441
Employee
66 524
66 524
66 524
-
health
10 211
8 685
10 211
-
pensions
11 974
9 127
11 974
-
income

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

10 889
10 889
10 889
-
total
33 074
28 701
33 074
-
Employer
66 524
66 524
66 524
-
health
4 624
4 624
4 624
-
pensions
4 630
4 630
4 630
-
unemployment
2 395
2 395
2 395
-
total
11 649
11 649
11 649
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
70 500
70 500
70 500
70 500
Total tax
44 723
40 350
44 723
30 441
After tax
25 777
30 150
25 777
40 059
Living cost
32 634
32 634
32 634
32 634
Free-cash
-6 857
-2 484
-6 857
7 425

Estimated living cost  is ₽32634 per week

₽23127
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2942
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.
₽6046
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
₽20688
₽27427
₽22028
₽12070
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.

-
-
-
70 500
trade
-
-
-
5 399
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.

-
-
-
13 417
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.

-
-
-
5 322
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.

-
-
-
738
total
-
-
-
24 876
Employee

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

29 796
-
70 500
-
health

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

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

5 322
-
5 322
-
income

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

832
-
13 417
-
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
-
738
-
total
6 200
-
19 477
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
40 704
70 500
-
-
income
6 105
10 574
-
-
trade
6 411
11 104
-
-
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.

336
581
-
-
chamber of commerce
177
220
-
-
total
13 029
22 479
-
-
Dividends
27 675
48 021
-
-
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.

364
645
-
-
withholding
6 623
11 710
-
-
total
6 987
12 355
-
-
Income
70 500
70 500
70 500
70 500
Total tax
26 216
34 834
19 477
24 876
After tax
44 284
35 666
51 023
45 624
Living cost
23 596
23 596
23 596
23 596
Free-cash
20 688
12 070
27 427
22 028

Estimated living cost  is ₽23596 per week

₽14842
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2751
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.
₽5561
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
₽29373
₽32916
₽32985
₽33609
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
-
-
-
70 500
income
-
-
-
6 682
health
-
-
-
1 798
social contributions
-
-
-
10 999
total
-
-
-
19 479
Employee
59 902
59 902
64 003
-
health
464
1 019
1 088
-
income
6 522
5 545
6 652
-
social contributions
2 265
4 972
5 312
-
total
9 251
11 536
13 052
-
Employer
59 902
59 902
64 003
-
health
504
1 109
1 184
-
social contributions
2 265
4 972
5 312
-
total
2 769
6 081
6 496
-
Corporate
40 444
4 518
-
-
income
5 056
565
-
-
total
5 056
565
-
-
Dividends
35 388
3 953
-
-
withholding
6 015
673
-
-
total
6 015
673
-
-
Income
70 500
70 500
70 500
70 500
Total tax
23 091
18 855
19 548
19 479
After tax
47 409
51 645
50 952
51 021
Living cost
18 036
18 036
18 036
18 036
Free-cash
29 373
33 609
32 916
32 985

Estimated living cost  is ₽18036 per week

₽10809
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1770
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽399
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5059
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
₽14882
₽11955
₽15240
₽15665
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.

-
-
-
70 500
income
-
-
-
6 326
social contributions

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

-
-
-
24 499
surtax
-
-
-
-
total
-
-
-
30 825
Employee
35 828
-
56 969
-
income
7 452
-
14 313
-
social contributions
3 941
-
6 267
-
surtax
-
-
-
-
total
11 393
-
20 580
-
Employer
35 828
-
56 969
-
social contributions
8 509
-
13 530
-
total
8 509
-
13 530
-
Corporate
26 162
70 500
-
-
income
5 493
14 805
-
-
surtax
-
-
-
-
total
5 493
14 805
-
-
Dividends
20 669
55 695
-
-
withholding
5 788
15 595
-
-
total
5 788
15 595
-
-
Income
70 500
70 500
70 500
70 500
Total tax
31 183
30 400
34 110
30 825
After tax
39 317
40 100
36 390
39 675
Living cost
24 435
24 435
24 435
24 435
Free-cash
14 882
15 665
11 955
15 240

Estimated living cost  is ₽24435 per week

₽18282
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1441
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽408
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4303
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
₽60242
₽50730
₽64125
₽61305
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%.

-
-
-
70 500
microenterprise

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

-
-
-
705
total
-
-
-
705
Employee
7 087
-
70 500
-
income
1 417
-
14 100
-
total
1 417
-
14 100
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

63 413
70 500
-
-
total
-
-
-
-
Dividends
63 413
70 500
-
-
withholding
3 171
3 525
-
-
total
3 171
3 525
-
-
Income
70 500
70 500
70 500
70 500
Total tax
4 588
3 525
14 100
705
After tax
65 912
66 975
56 400
69 795
Living cost
5 670
5 670
5 670
5 670
Free-cash
60 242
61 305
50 730
64 125

Estimated living cost  is ₽5670 per week

₽3514
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽471
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽156
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.
₽1529
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
₽21130
₽13885
₽15904
₽27645
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.

-
-
-
70 500
pensions
-
-
-
12 875
unemployment
-
-
-
106
income
-
-
-
13 782
health
-
-
-
6 938
total
-
-
-
33 701
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.

34 448
-
61 002
-
health
2 225
-
3 940
-
unemployment
49
-
86
-
pensions
5 340
-
9 455
-
income
5 940
-
12 741
-
total
13 554
-
26 222
-
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.

34 448
-
61 002
-
health
2 294
-
4 062
-
pensions
3 048
-
5 399
-
unemployment
21
-
37
-
total
5 363
-
9 498
-
Corporate
30 689
70 500
-
-
income
5 830
13 395
-
-
total
5 830
13 395
-
-
Dividends
24 858
57 105
-
-
withholding
3 728
8 565
-
-
total
3 728
8 565
-
-
Income
70 500
70 500
70 500
70 500
Total tax
28 475
21 960
35 720
33 701
After tax
42 025
48 540
34 780
36 799
Living cost
20 895
20 895
20 895
20 895
Free-cash
21 130
27 645
13 885
15 904

Estimated living cost  is ₽20895 per week

₽14340
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1339
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽405
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.
₽4812
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
₽17229
₽23385
₽15078
₽13431
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.

-
-
-
70 500
income
-
-
-
22 175
health

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

-
-
-
4 969
total
-
-
-
27 144
Employee
35 736
-
66 917
-
social contributions
3 580
-
3 583
-
income
3 878
-
11 671
-
total
7 458
-
15 254
-
Employer
35 736
-
66 917
-
social contributions
3 580
-
3 583
-
total
3 580
-
3 583
-
Corporate
31 183
70 500
-
-
income
10 914
24 675
-
-
total
10 914
24 675
-
-
Dividends
20 269
45 825
-
-
social contributions
3 041
4 116
-
-
total
3 041
4 116
-
-
Income
70 500
70 500
70 500
70 500
Total tax
24 993
28 791
18 837
27 144
After tax
45 507
41 709
51 663
43 356
Living cost
28 278
28 278
28 278
28 278
Free-cash
17 229
13 431
23 385
15 078

Estimated living cost  is ₽28278 per week

₽18627
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2229
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽433
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.
₽6988
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
₽26896
₽29262
₽28757
₽26494
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
-
-
-
70 500
income
-
-
-
10 574
health
-
-
-
4 921
social contributions
-
-
-
9 729
total
-
-
-
25 224
Employee
26 413
-
70 500
-
health
1 843
-
4 921
-
income
4 405
-
10 069
-
social contributions
3 646
-
9 729
-
total
9 894
-
24 719
-
Employer
26 413
-
70 500
-
total
-
-
-
-
Corporate
44 087
70 500
-
-
income

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

2 204
3 524
-
-
total
2 204
3 524
-
-
Dividends
41 883
66 976
-
-
social contributions
5 780
9 242
-
-
withholding
6 283
10 047
-
-
health
2 924
4 674
-
-
total
14 987
23 963
-
-
Income
70 500
70 500
70 500
70 500
Total tax
27 085
27 487
24 719
25 224
After tax
43 415
43 013
45 781
45 276
Living cost
16 519
16 519
16 519
16 519
Free-cash
26 896
26 494
29 262
28 757

Estimated living cost  is ₽16519 per week

₽11055
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1019
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.
₽4064
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
₽18901
₽13931
₽12493
₽26694
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
-
-
-
70 500
income
-
-
-
6 059
health
-
-
-
9 517
social contributions
-
-
-
20 586
solidarity contribution
-
-
-
-
total
-
-
-
36 162
Employee
32 125
-
52 612
-
health
4 337
-
7 103
-
solidarity contribution
-
-
-
-
income
3 855
-
6 313
-
social contributions
2 088
-
3 420
-
total
10 280
-
16 836
-
Employer
32 125
-
52 612
-
health
2 891
-
4 735
-
social contributions
8 031
-
13 153
-
total
10 922
-
17 888
-
Corporate
27 453
70 500
-
-
income
5 216
13 395
-
-
total
5 216
13 395
-
-
Dividends
22 237
57 105
-
-
withholding
3 336
8 566
-
-
total
3 336
8 566
-
-
Income
70 500
70 500
70 500
70 500
Total tax
29 754
21 961
34 724
36 162
After tax
40 746
48 539
35 776
34 338
Living cost
21 845
21 845
21 845
21 845
Free-cash
18 901
26 694
13 931
12 493

Estimated living cost  is ₽21845 per week

₽16245
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
₽56483
₽47565
₽60960
₽58140
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%.

-
-
-
70 500
microenterprise

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

-
-
-
705
total
-
-
-
705
Employee
11 044
-
70 500
-
income
2 209
-
14 100
-
total
2 209
-
14 100
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

59 456
70 500
-
-
total
-
-
-
-
Dividends
59 456
70 500
-
-
withholding
2 973
3 525
-
-
total
2 973
3 525
-
-
Income
70 500
70 500
70 500
70 500
Total tax
5 182
3 525
14 100
705
After tax
65 318
66 975
56 400
69 795
Living cost
8 835
8 835
8 835
8 835
Free-cash
56 483
58 140
47 565
60 960

Estimated living cost  is ₽8835 per week

₽5979
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽371
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽296
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.
₽2189
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
₽3261
₽2955
₽3186
-₽2093
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
-
-
-
70 500
income
-
-
-
5 667
other
-
-
-
2 186
health
-
-
-
897
social contributions
-
-
-
2 009
pensions
-
-
-
18 930
surtax
-
-
-
-
total
-
-
-
29 689
Employee
48 791
-
53 723
-
pensions
5 519
-
6 076
-
income
4 257
-
5 534
-
social contributions
1 390
-
1 532
-
surtax
-
-
-
-
total
11 166
-
13 142
-
Employer
48 791
-
53 723
-
health
3 415
-
3 761
-
social contributions
146
-
161
-
pensions
8 017
-
8 826
-
unemployment
1 977
-
2 176
-
other
1 684
-
1 854
-
total
15 239
-
16 778
-
Corporate
6 471
70 500
-
-
income
1 812
19 740
-
-
surtax
-
-
-
-
total
1 812
19 740
-
-
Dividends
4 658
50 760
-
-
social contributions
801
8 731
-
-
surtax
-
-
-
-
withholding
596
6 497
-
-
total
1 397
15 228
-
-
Income
70 500
70 500
70 500
70 500
Total tax
29 614
34 968
29 920
29 689
After tax
40 886
35 532
40 580
40 811
Living cost
37 625
37 625
37 625
37 625
Free-cash
3 261
-2 093
2 955
3 186

Estimated living cost  is ₽37625 per week

₽25464
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3078
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽516
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.
₽8567
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
₽33690
₽23008
₽23008
₽37510
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.

-
-
-
70 500
pensions
-
-
-
14 917
unemployment
-
-
-
861
income
-
-
-
12 379
health
-
-
-
5 909
total
-
-
-
34 066
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.

20 245
-
60 230
-
health
1 043
-
2 955
-
unemployment
152
-
430
-
pensions
2 834
-
8 032
-
income
2 791
-
12 379
-
total
6 820
-
23 796
-
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.

20 245
-
60 230
-
health
1 043
-
2 955
-
pensions
2 429
-
6 885
-
unemployment
152
-
430
-
total
3 624
-
10 270
-
Corporate
46 631
70 500
-
-
income
6 995
10 575
-
-
total
6 995
10 575
-
-
Dividends
39 636
59 925
-
-
withholding
5 945
8 989
-
-
total
5 945
8 989
-
-
Income
70 500
70 500
70 500
70 500
Total tax
23 384
19 564
34 066
34 066
After tax
47 116
50 936
36 434
36 434
Living cost
13 426
13 426
13 426
13 426
Free-cash
33 690
37 510
23 008
23 008

Estimated living cost  is ₽13426 per week

₽9040
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1038
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.
₽2959
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
₽1628
₽1799
₽5312
-₽21264
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
-
-
-
70 500
pensions
-
-
-
6 486
city
-
-
-
743
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.

-
-
-
1 410
health
-
-
-
175
regional
-
-
-
2 428
national
-
-
-
445
total
-
-
-
11 687
Employee
62 610
-
63 103
-
health
142
-
142
-
unemployment
-
-
-
-
city
672
-
677
-
pensions
5 260
-
5 300
-
regional
2 050
-
2 076
-
national
296
-
302
-
total
8 420
-
8 497
-
Employer
62 610
-
63 103
-
health
142
-
142
-
pensions
5 260
-
5 300
-
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.

1 252
-
1 261
-
total
6 654
-
6 703
-
Corporate
548
70 500
-
-
regional
115
14 911
-
-
national
47
5 993
-
-
total
162
20 904
-
-
Dividends
385
49 597
-
-
withholding
135
17 359
-
-
total
135
17 359
-
-
Income
70 500
70 500
70 500
70 500
Total tax
15 371
38 263
15 200
11 687
After tax
55 129
32 237
55 300
58 813
Living cost
53 501
53 501
53 501
53 501
Free-cash
1 628
-21 264
1 799
5 312

Estimated living cost  is ₽53501 per week

₽34791
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4801
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽657
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.
₽13252
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
₽15073
₽10895
₽20982
₽17534
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

-
-
-
70 500
municipal
-
-
-
12 554
health
-
-
-
760
national
-
-
-
6 296
total
-
-
-
19 610
Employee
40 985
-
59 308
-
health
306
-
588
-
unemployment
615
-
890
-
pensions
2 766
-
4 003
-
national
677
-
3 334
-
municipal
6 713
-
9 689
-
total
11 077
-
18 504
-
Employer
40 985
-
59 308
-
health
315
-
457
-
pensions
7 111
-
10 291
-
accident
41
-
59
-
unemployment
266
-
386
-
total
7 733
-
11 193
-
Corporate
21 782
70 500
-
-
income
4 357
14 100
-
-
total
4 357
14 100
-
-
Dividends

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

13 069
42 300
-
-
municipal
2 352
7 613
-
-
national
-
1 345
-
-
total
2 352
8 958
-
-
Income
70 500
70 500
70 500
70 500
Total tax
25 519
23 058
29 697
19 610
After tax
44 981
47 442
40 803
50 890
Living cost
29 908
29 908
29 908
29 908
Free-cash
15 073
17 534
10 895
20 982

Estimated living cost  is ₽29908 per week

₽19536
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2877
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽476
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.
₽7021
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
-₽1443
-₽479
₽5612
₽11163
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
-
-
-
70 500
communal

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

-
-
-
3 594
social contributions
-
-
-
10 598
national
-
-
-
22 292
total
-
-
-
36 484
Employee

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

55 723
-
54 605
-
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.

2 618
-
2 566
-
communal

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

2 906
-
2 849
-
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
-
475
-
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.

4 179
-
4 095
-
national
17 131
-
16 694
-
total
27 319
-
26 679
-
Employer

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

55 723
-
54 605
-
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.

3 427
-
3 359
-
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.

4 938
-
4 839
-
surtax
6 318
-
6 191
-
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.

724
-
710
-
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.

813
-
797
-
total
16 220
-
15 896
-
Corporate
-
70 500
-
-
income
-
14 100
-
-
surtax
-
282
-
-
total
-
14 382
-
-
Dividends
-
56 117
-
-
withholding

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

-
16 551
-
-
total
-
16 551
-
-
Income
70 500
70 500
70 500
70 500
Total tax
43 539
30 933
42 575
36 484
After tax
26 961
39 567
27 925
34 016
Living cost
28 404
28 404
28 404
28 404
Free-cash
-1 443
11 163
-479
5 612

Estimated living cost  is ₽28404 per week

₽18296
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2484
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.
₽7180
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
₽4141
₽4052
₽1546
₽4896
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
-
-
-
70 500
unemployment
-
-
-
71
municipal
-
-
-
14 933
other
-
-
-
8 192
health
-
-
-
4 399
national
-
-
-
-
accident
-
-
-
141
pensions
-
-
-
7 621
total
-
-
-
35 357
Employee
47 873
-
53 645
-
national
-
-
-
-
municipal
14 276
-
15 997
-
total
14 276
-
15 997
-
Employer
47 873
-
53 645
-
health
2 944
-
3 299
-
pensions
5 175
-
5 799
-
accident
96
-
107
-
unemployment
1 264
-
1 416
-
other
5 563
-
6 233
-
total
15 042
-
16 854
-
Corporate
7 585
70 500
-
-
income
1 669
15 510
-
-
total
1 669
15 510
-
-
Dividends
5 917
54 990
-
-
withholding
1 775
16 497
-
-
total
1 775
16 497
-
-
Income
70 500
70 500
70 500
70 500
Total tax
32 762
32 007
32 851
35 357
After tax
37 738
38 493
37 649
35 143
Living cost
33 597
33 597
33 597
33 597
Free-cash
4 141
4 896
4 052
1 546

Estimated living cost  is ₽33597 per week

₽22267
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3297
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽510
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.
₽7523
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
-₽57575
₽22137
₽11658
₽5829
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
-
-
-
70 500
income
-
-
-
13 742
social contributions
-
-
-
8 037
total
-
-
-
21 779
Employee
53 143
-
-
-
income
11 722
-
-
-
social contributions
4 358
-
621
-
total
16 080
-
621
-
Employer
53 143
-
-
-
social contributions
74 932
-
10 679
-
total
74 932
-
10 679
-
Corporate
-
70 500
-
-
income
-
15 510
-
-
total
-
15 510
-
-
Dividends
-
54 990
-
-
income
-
12 098
-
-
total
-
12 098
-
-
Income
70 500
70 500
70 500
70 500
Total tax
91 012
27 608
11 300
21 779
After tax
-20 512
42 892
59 200
48 721
Living cost
37 063
37 063
37 063
37 063
Free-cash
-57 575
5 829
22 137
11 658

Estimated living cost  is ₽37063 per week

₽24048
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3486
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.
₽9057
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
₽23151
₽25685
₽25754
₽26378
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
-
-
-
70 500
income
-
-
-
6 682
health
-
-
-
1 798
social contributions
-
-
-
10 999
total
-
-
-
19 479
Employee
59 902
59 902
64 003
-
health
596
1 019
1 088
-
income
6 290
5 545
6 652
-
social contributions
2 911
4 972
5 312
-
total
9 797
11 536
13 052
-
Employer
59 902
59 902
64 003
-
health
649
1 109
1 184
-
social contributions
2 911
4 972
5 312
-
total
3 560
6 081
6 496
-
Corporate
31 876
4 518
-
-
income
3 984
565
-
-
total
3 984
565
-
-
Dividends
27 892
3 953
-
-
withholding
4 741
673
-
-
total
4 741
673
-
-
Income
70 500
70 500
70 500
70 500
Total tax
22 082
18 855
19 548
19 479
After tax
48 418
51 645
50 952
51 021
Living cost
25 267
25 267
25 267
25 267
Free-cash
23 151
26 378
25 685
25 754

Estimated living cost  is ₽25267 per week

₽17273
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1974
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽424
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.
₽5597
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
₽20594
₽16333
₽23711
₽24844
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
-
-
-
70 500
income
-
-
-
13 723
pensions
-
-
-
5 088
total
-
-
-
18 811
Employee
38 403
-
62 161
-
health
501
-
989
-
pensions
2 931
-
5 783
-
income
6 994
-
11 078
-
total
10 426
-
17 850
-
Employer
38 403
-
62 161
-
health
730
-
1 181
-
pensions
3 880
-
7 158
-
total
4 610
-
8 339
-
Corporate
27 487
70 500
-
-
income

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

5 222
13 395
-
-
total
5 222
13 395
-
-
Dividends
22 265
57 105
-
-
withholding
1 670
4 283
-
-
total
1 670
4 283
-
-
Income
70 500
70 500
70 500
70 500
Total tax
21 928
17 678
26 189
18 811
After tax
48 572
52 822
44 311
51 689
Living cost
27 978
27 978
27 978
27 978
Free-cash
20 594
24 844
16 333
23 711

Estimated living cost  is ₽27978 per week

₽19193
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2573
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽350
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.
₽5861
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
₽2557
₽1839
₽5062
₽6100
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
-
-
-
70 500
municipal
-
-
-
472
regional
-
-
-
1 340
social contributions
-
-
-
18 133
national
-
-
-
14 459
total
-
-
-
34 404
Employee
65 644
-
70 500
-
social contributions
22 135
-
23 773
-
regional
991
-
1 118
-
national
11 093
-
12 316
-
municipal
392
-
420
-
total
34 611
-
37 627
-
Employer
65 644
-
70 500
-
total
-
-
-
-
Corporate
4 856
70 500
-
-
nationa
1 165
16 919
-
-
municipal
234
3 399
-
-
total
1 399
20 318
-
-
Dividends
3 457
50 182
-
-
withholding
899
13 048
-
-
total
899
13 048
-
-
Income
70 500
70 500
70 500
70 500
Total tax
36 909
33 366
37 627
34 404
After tax
33 591
37 134
32 873
36 096
Living cost
31 034
31 034
31 034
31 034
Free-cash
2 557
6 100
1 839
5 062

Estimated living cost  is ₽31034 per week

₽21799
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2135
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.
₽6630
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
₽3130
₽19217
₽31605
-₽11111
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
-
-
-
70 500
pensions
-
-
-
3 181
income
-
-
-
16 750
other
-
-
-
283
health
-
-
-
1 667
accident
-
-
-
193
total
-
-
-
22 074
Employee
26 460
-
59 620
-
health
3 030
-
6 827
-
pensions
2 979
-
5 833
-
income
3 630
-
10 921
-
total
9 639
-
23 581
-
Employer
26 460
-
59 620
-
pensions
4 303
-
8 424
-
accident
442
-
996
-
unemployment
648
-
1 461
-
total
5 393
-
10 881
-
Corporate
38 647
70 500
-
-
income

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

34 783
63 450
-
-
total
34 783
63 450
-
-
Dividends
3 865
7 050
-
-
withholding
734
1 340
-
-
total
734
1 340
-
-
Income
70 500
70 500
70 500
70 500
Total tax
50 549
64 790
34 462
22 074
After tax
19 951
5 710
36 038
48 426
Living cost
16 821
16 821
16 821
16 821
Free-cash
3 130
-11 111
19 217
31 605

Estimated living cost  is ₽16821 per week

₽12328
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽932
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.
₽3210
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
₽16506
₽20948
₽16028
₽6319
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.

-
-
-
70 500
trade
-
-
-
4 920
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.

-
-
-
13 417
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.

-
-
-
5 322
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.

-
-
-
738
total
-
-
-
24 397
Employee

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

38 761
-
70 500
-
health

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

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

5 322
-
5 322
-
income

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

3 187
-
13 417
-
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
-
738
-
total
8 685
-
19 477
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
31 739
70 500
-
-
income
4 762
10 574
-
-
trade
4 555
10 116
-
-
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.

262
581
-
-
chamber of commerce
164
222
-
-
total
9 743
21 493
-
-
Dividends
21 997
49 007
-
-
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.

287
658
-
-
withholding
5 204
11 955
-
-
total
5 491
12 613
-
-
Income
70 500
70 500
70 500
70 500
Total tax
23 919
34 106
19 477
24 397
After tax
46 581
36 394
51 023
46 103
Living cost
30 075
30 075
30 075
30 075
Free-cash
16 506
6 319
20 948
16 028

Estimated living cost  is ₽30075 per week

₽20747
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3236
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽436
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5656
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
₽33804
₽23615
₽21513
₽40193
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.

-
-
-
70 500
income
-
-
-
10 114
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.

-
-
-
22 666
surtax
-
-
-
-
total
-
-
-
32 780
Employee
22 763
-
56 814
-
income
4 052
-
10 743
-
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.

2 504
-
6 249
-
surtax
-
-
-
-
total
6 556
-
16 992
-
Employer
22 763
-
56 814
-
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.

5 483
-
13 686
-
surtax
-
-
-
-
total
5 483
-
13 686
-
Corporate
42 254
70 500
-
-
income

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

8 450
14 100
-
-
total
8 450
14 100
-
-
Dividends

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

33 804
56 400
-
-
total
-
-
-
-
Income
70 500
70 500
70 500
70 500
Total tax
20 489
14 100
30 678
32 780
After tax
50 011
56 400
39 822
37 720
Living cost
16 207
16 207
16 207
16 207
Free-cash
33 804
40 193
23 615
21 513

Estimated living cost  is ₽16207 per week

₽10339
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1543
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽368
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.
₽3956
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
₽32537
₽29509
₽30209
₽34153
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
-
-
-
70 500
income
-
-
-
18 073
health
-
-
-
5 203
pensions
-
-
-
7 176
total
-
-
-
30 452
Employee
14 985
-
62 427
-
health
749
-
1 794
-
unemployment
150
-
359
-
pensions
1 349
-
3 229
-
income
2 899
-
17 696
-
total
5 147
-
23 078
-
Employer
14 985
-
62 427
-
health
1 424
-
3 409
-
pensions
1 648
-
3 947
-
unemployment
300
-
718
-
total
3 372
-
8 074
-
Corporate
52 143
70 500
-
-
income
11 471
15 510
-
-
total
11 471
15 510
-
-
Dividends
40 672
54 990
-
-
withholding
8 134
10 998
-
-
total
8 134
10 998
-
-
Income
70 500
70 500
70 500
70 500
Total tax
28 124
26 508
31 152
30 452
After tax
42 376
43 992
39 348
40 048
Living cost
9 839
9 839
9 839
9 839
Free-cash
32 537
34 153
29 509
30 209

Estimated living cost  is ₽9839 per week

₽5847
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽798
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽225
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.
₽2969
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
₽24370
₽18177
₽19532
₽26847
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
-
-
-
70 500
pensions
-
-
-
14 100
unemployment
-
-
-
177
income
-
-
-
12 742
other
-
-
-
-
health
-
-
-
5 006
surtax
-
-
-
1 446
total
-
-
-
33 471
Employee
26 234
-
58 240
-
health
670
-
1 486
-
unemployment
1 826
-
4 054
-
pensions
1 750
-
3 885
-
income
4 398
-
11 853
-
other
-
-
-
-
surtax
93
-
1 289
-
total
8 737
-
22 567
-
Employer
26 234
-
58 240
-
health
1 193
-
2 649
-
pensions
3 498
-
7 764
-
unemployment
832
-
1 846
-
other
-
-
-
-
total
5 523
-
12 259
-
Corporate
38 743
70 500
-
-
income
10 073
18 330
-
-
total
10 073
18 330
-
-
Dividends
28 669
52 170
-
-
withholding
4 300
7 826
-
-
total
4 300
7 826
-
-
Income
70 500
70 500
70 500
70 500
Total tax
28 633
26 156
34 826
33 471
After tax
41 867
44 344
35 674
37 029
Living cost
17 497
17 497
17 497
17 497
Free-cash
24 370
26 847
18 177
19 532

Estimated living cost  is ₽17497 per week

₽10564
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1521
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.
₽5007
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
₽14489
-₽2134
₽11605
₽14876
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
-
-
-
70 500
pensions
-
-
-
13 043
chamber of commerce
-
-
-
282
unemployment
-
-
-