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
₽ 72500
per

Your estimated
City
free-cash

Valencia , Spain
₽15971
₽15456
₽25896
₽21513
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
-
-
-
72 500
income
-
-
-
12 317
accident
-
-
-
652
unemployment
-
-
-
507
pensions
-
-
-
20 517
other
-
-
-
73
total
-
-
-
34 066
Employee
30 897
-
54 975
-
other
30
-
55
-
income
5 957
-
12 536
-
unemployment
479
-
852
-
pensions
1 453
-
2 583
-
total
7 919
-
16 026
-
Employer
30 897
-
54 975
-
unemployment
1 700
-
3 024
-
pensions
7 291
-
12 974
-
other
247
-
439
-
accident
612
-
1 088
-
total
9 850
-
17 525
-
Corporate
31 753
72 500
-
-
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.

4 763
10 875
-
-
total
4 763
10 875
-
-
Dividends
26 989
61 625
-
-
withholding
5 477
12 751
-
-
total
5 477
12 751
-
-
Income
72 500
72 500
72 500
72 500
Total tax
28 009
23 626
33 551
34 066
After tax
44 491
48 874
38 949
38 434
Living cost
22 978
22 978
22 978
22 978
Free-cash
21 513
25 896
15 971
15 456

Estimated living cost  is ₽22978 per week

₽15510
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2209
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽403
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.
₽4857
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
₽20230
₽16993
₽31002
₽25357
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
-
-
-
72 500
income
-
-
-
9 208
health
-
-
-
3 190
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.

-
-
-
17 400
other
-
-
-
3 444
total
-
-
-
33 242
Employee
30 340
-
57 907
-
income
5 223
-
9 968
-
health
425
-
810
-
unemployment
303
-
579
-
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.

2 123
-
4 055
-
total
8 074
-
15 412
-
Employer
30 340
-
57 907
-
unemployment
303
-
579
-
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.

5 158
-
9 846
-
other
1 518
-
2 895
-
accident
243
-
463
-
health
425
-
810
-
total
7 647
-
14 593
-
Corporate
34 514
72 500
-
-
income
7 248
15 224
-
-
total
7 248
15 224
-
-
Dividends
27 266
57 276
-
-
withholding
1 909
4 009
-
-
total
1 909
4 009
-
-
Income
72 500
72 500
72 500
72 500
Total tax
24 878
19 233
30 005
33 242
After tax
47 622
53 267
42 495
39 258
Living cost
22 265
22 265
22 265
22 265
Free-cash
25 357
31 002
20 230
16 993

Estimated living cost  is ₽22265 per week

₽15732
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1503
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽358
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.
₽4671
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
₽44956
₽42914
₽51055
₽47182
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
-
-
-
72 500
income
-
-
-
10 875
health
-
-
-
3 350
unemployment
-
-
-
117
pensions

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

-
-
-
4 311
total
-
-
-
18 653
Employee
14 477
-
66 785
-
income
1 447
-
6 678
-
health
666
-
1 340
-
accident

We are using the highest rate at 1.1%.

159
-
320
-
pensions

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

1 271
-
2 558
-
total
3 543
-
10 896
-
Employer
14 477
-
66 785
-
unemployment
87
-
175
-
pensions

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

1 596
-
3 210
-
accident

We are using the highest rate at 1.1%.

159
-
320
-
health
999
-
2 010
-
total
2 841
-
5 715
-
Corporate
55 182
72 500
-
-
income
5 518
7 250
-
-
total
5 518
7 250
-
-
Dividends
49 664
65 250
-
-
withholding
2 483
3 262
-
-
total
2 483
3 262
-
-
Income
72 500
72 500
72 500
72 500
Total tax
14 385
10 512
16 611
18 653
After tax
58 115
61 988
55 889
53 847
Living cost
10 933
10 933
10 933
10 933
Free-cash
47 182
51 055
44 956
42 914

Estimated living cost  is ₽10933 per week

₽6383
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽781
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽290
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.
₽3480
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
₽13513
₽13477
₽7949
₽12885
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
-
-
-
72 500
income
-
-
-
5 342
social contributions
-
-
-
2 066
health
-
-
-
734
surtax
-
-
-
-
pensions
-
-
-
20 045
other
-
-
-
2 247
total
-
-
-
30 434
Employee
35 762
-
55 246
-
income
2 111
-
5 321
-
social contributions
1 020
-
1 575
-
surtax
-
-
-
-
pensions
4 044
-
6 248
-
total
7 175
-
13 144
-
Employer
35 762
-
55 246
-
unemployment
1 448
-
2 237
-
social contributions
108
-
166
-
pensions
5 875
-
9 077
-
other
1 234
-
1 906
-
health
2 504
-
3 868
-
total
11 169
-
17 254
-
Corporate
25 570
72 500
-
-
income
7 159
20 300
-
-
surtax
-
-
-
-
total
7 159
20 300
-
-
Dividends
18 410
52 200
-
-
withholding
2 356
6 682
-
-
surtax
-
-
-
-
social contributions
3 167
8 980
-
-
total
5 523
15 662
-
-
Income
72 500
72 500
72 500
72 500
Total tax
31 026
35 962
30 398
30 434
After tax
41 474
36 538
42 102
42 066
Living cost
28 589
28 589
28 589
28 589
Free-cash
12 885
7 949
13 513
13 477

Estimated living cost  is ₽28589 per week

₽18026
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2325
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽487
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.
₽7752
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
-₽10475
₽6211
-₽5785
-₽10475
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
-
-
-
72 500
income
-
-
-
12 114
health
-
-
-
9 381
pensions
-
-
-
9 790
total
-
-
-
31 285
Employee
71 357
71 357
71 357
-
income

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

11 680
11 680
11 680
-
health
10 952
9 316
10 952
-
pensions
12 844
9 790
12 844
-
total
35 476
30 786
35 476
-
Employer
71 357
71 357
71 357
-
unemployment
2 569
2 569
2 569
-
pensions
4 966
4 966
4 966
-
health
4 960
4 960
4 960
-
total
12 495
12 495
12 495
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Income
72 500
72 500
72 500
72 500
Total tax
47 971
43 281
47 971
31 285
After tax
24 529
29 219
24 529
41 215
Living cost
35 004
35 004
35 004
35 004
Free-cash
-10 475
-5 785
-10 475
6 211

Estimated living cost  is ₽35004 per week

₽24807
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3156
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽557
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.
₽6486
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
₽27499
₽22200
₽11377
₽20618
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.

-
-
-
72 500
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.

-
-
-
13 253
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.

-
-
-
5 709
trade
-
-
-
5 299
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.

-
-
-
729
total
-
-
-
24 990
Employee

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

31 960
-
72 500
-
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.

893
-
13 253
-
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.

5 709
-
5 709
-
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.

49
-
729
-
total
6 651
-
19 691
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
40 540
72 500
-
-
chamber of commerce
186
232
-
-
income
6 081
10 875
-
-
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.

335
598
-
-
trade
6 386
11 419
-
-
total
12 988
23 124
-
-
Dividends
27 553
49 377
-
-
withholding
6 571
12 028
-
-
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.

362
661
-
-
total
6 933
12 689
-
-
Income
72 500
72 500
72 500
72 500
Total tax
26 572
35 813
19 691
24 990
After tax
45 928
36 687
52 809
47 510
Living cost
25 310
25 310
25 310
25 310
Free-cash
20 618
11 377
27 499
22 200

Estimated living cost  is ₽25310 per week

₽15920
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2951
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽473
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.
₽5965
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
₽33520
₽33595
₽33785
₽29239
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
-
-
-
72 500
income
-
-
-
6 401
social contributions
-
-
-
11 309
health
-
-
-
1 849
total
-
-
-
19 559
Employee
64 253
64 253
65 819
-
income
6 996
5 948
6 370
-
social contributions
2 429
5 333
5 463
-
health
498
1 093
1 120
-
total
9 923
12 374
12 953
-
Employer
64 253
64 253
65 819
-
social contributions
2 429
5 333
5 463
-
health
541
1 189
1 218
-
total
2 970
6 522
6 681
-
Corporate
40 260
1 725
-
-
income
5 033
216
-
-
total
5 033
216
-
-
Dividends
35 227
1 509
-
-
withholding
5 989
257
-
-
total
5 989
257
-
-
Income
72 500
72 500
72 500
72 500
Total tax
23 915
19 369
19 634
19 559
After tax
48 585
53 131
52 866
52 941
Living cost
19 346
19 346
19 346
19 346
Free-cash
29 239
33 785
33 520
33 595

Estimated living cost  is ₽19346 per week

₽11595
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1898
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽428
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.
₽5426
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
₽11409
₽14669
₽15028
₽14187
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.

-
-
-
72 500
income
-
-
-
6 427
social contributions

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

-
-
-
25 194
surtax
-
-
-
-
total
-
-
-
31 621
Employee
38 431
-
58 585
-
income
7 994
-
14 522
-
social contributions
4 227
-
6 444
-
surtax
-
-
-
-
total
12 221
-
20 966
-
Employer
38 431
-
58 585
-
social contributions
9 127
-
13 915
-
total
9 127
-
13 915
-
Corporate
24 942
72 500
-
-
income
5 238
15 224
-
-
surtax
-
-
-
-
total
5 238
15 224
-
-
Dividends
19 704
57 276
-
-
withholding
5 517
16 038
-
-
total
5 517
16 038
-
-
Income
72 500
72 500
72 500
72 500
Total tax
32 103
31 262
34 881
31 621
After tax
40 397
41 238
37 619
40 879
Living cost
26 210
26 210
26 210
26 210
Free-cash
14 187
15 028
11 409
14 669

Estimated living cost  is ₽26210 per week

₽19610
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1546
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽438
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.
₽4616
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
₽51771
₽65546
₽62646
₽61478
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%.

-
-
-
72 500
microenterprise

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

-
-
-
725
total
-
-
-
725
Employee
7 786
-
72 500
-
income
1 557
-
14 500
-
total
1 557
-
14 500
-
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%.

64 714
72 500
-
-
total
-
-
-
-
Dividends
64 714
72 500
-
-
withholding
3 236
3 625
-
-
total
3 236
3 625
-
-
Income
72 500
72 500
72 500
72 500
Total tax
4 793
3 625
14 500
725
After tax
67 707
68 875
58 000
71 775
Living cost
6 229
6 229
6 229
6 229
Free-cash
61 478
62 646
51 771
65 546

Estimated living cost  is ₽6229 per week

₽3860
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽518
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽171
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.
₽1680
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
₽13504
₽15581
₽27503
₽20515
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.

-
-
-
72 500
income
-
-
-
14 022
health
-
-
-
7 134
unemployment
-
-
-
109
pensions
-
-
-
13 241
total
-
-
-
34 506
Employee

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

36 950
-
62 732
-
income
6 372
-
12 951
-
health
2 386
-
4 053
-
unemployment
52
-
87
-
pensions
5 728
-
9 724
-
total
14 538
-
26 815
-
Employer

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

36 950
-
62 732
-
unemployment
22
-
38
-
pensions
3 270
-
5 552
-
health
2 461
-
4 178
-
total
5 753
-
9 768
-
Corporate
29 797
72 500
-
-
income
5 661
13 775
-
-
total
5 661
13 775
-
-
Dividends
24 136
58 725
-
-
withholding
3 620
8 809
-
-
total
3 620
8 809
-
-
Income
72 500
72 500
72 500
72 500
Total tax
29 572
22 584
36 583
34 506
After tax
42 928
49 916
35 917
37 994
Living cost
22 413
22 413
22 413
22 413
Free-cash
20 515
27 503
13 504
15 581

Estimated living cost  is ₽22413 per week

₽15381
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1437
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.
₽5161
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
₽22741
₽12915
₽12379
₽16755
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.

-
-
-
72 500
income
-
-
-
23 786
health

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

-
-
-
5 467
total
-
-
-
29 253
Employee
38 332
-
68 656
-
social contributions
3 841
-
3 844
-
income
4 159
-
11 739
-
total
8 000
-
15 583
-
Employer
38 332
-
68 656
-
social contributions
3 841
-
3 844
-
total
3 841
-
3 844
-
Corporate
30 327
72 500
-
-
income
10 615
25 374
-
-
total
10 615
25 374
-
-
Dividends
19 713
47 126
-
-
social contributions
2 957
4 415
-
-
total
2 957
4 415
-
-
Income
72 500
72 500
72 500
72 500
Total tax
25 413
29 789
19 427
29 253
After tax
47 087
42 711
53 073
43 247
Living cost
30 332
30 332
30 332
30 332
Free-cash
16 755
12 379
22 741
12 915

Estimated living cost  is ₽30332 per week

₽19980
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2391
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.
₽7496
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
₽29540
₽28840
₽26512
₽26946
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
-
-
-
72 500
income
-
-
-
10 875
social contributions
-
-
-
10 006
health
-
-
-
5 060
total
-
-
-
25 941
Employee
28 332
-
72 500
-
income
4 725
-
10 175
-
social contributions
3 910
-
10 006
-
health
1 977
-
5 060
-
total
10 612
-
25 241
-
Employer
28 332
-
72 500
-
total
-
-
-
-
Corporate
44 168
72 500
-
-
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%.

2 209
3 625
-
-
total
2 209
3 625
-
-
Dividends
41 959
68 875
-
-
withholding
6 294
10 331
-
-
health
2 929
4 808
-
-
social contributions
5 791
9 505
-
-
total
15 014
24 644
-
-
Income
72 500
72 500
72 500
72 500
Total tax
27 835
28 269
25 241
25 941
After tax
44 665
44 231
47 259
46 559
Living cost
17 719
17 719
17 719
17 719
Free-cash
26 946
26 512
29 540
28 840

Estimated living cost  is ₽17719 per week

₽11858
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1093
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.
₽4359
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
₽13910
₽12430
₽27035
₽18873
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
-
-
-
72 500
income
-
-
-
6 231
social contributions
-
-
-
21 170
solidarity contribution
-
-
-
-
health
-
-
-
9 788
total
-
-
-
37 189
Employee
33 648
-
54 104
-
solidarity contribution
-
-
-
-
income
4 038
-
6 493
-
social contributions
2 187
-
3 517
-
health
4 542
-
7 304
-
total
10 767
-
17 314
-
Employer
33 648
-
54 104
-
social contributions
8 412
-
13 526
-
health
3 028
-
4 869
-
total
11 440
-
18 395
-
Corporate
27 412
72 500
-
-
income
5 208
13 775
-
-
total
5 208
13 775
-
-
Dividends
22 203
58 725
-
-
withholding
3 331
8 809
-
-
total
3 331
8 809
-
-
Income
72 500
72 500
72 500
72 500
Total tax
30 746
22 584
35 709
37 189
After tax
41 754
49 916
36 791
35 311
Living cost
22 881
22 881
22 881
22 881
Free-cash
18 873
27 035
13 910
12 430

Estimated living cost  is ₽22881 per week

₽17016
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1268
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽396
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4202
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
₽48293
₽62068
₽59168
₽57348
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%.

-
-
-
72 500
microenterprise

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

-
-
-
725
total
-
-
-
725
Employee
12 134
-
72 500
-
income
2 427
-
14 500
-
total
2 427
-
14 500
-
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%.

60 366
72 500
-
-
total
-
-
-
-
Dividends
60 366
72 500
-
-
withholding
3 018
3 625
-
-
total
3 018
3 625
-
-
Income
72 500
72 500
72 500
72 500
Total tax
5 445
3 625
14 500
725
After tax
67 055
68 875
58 000
71 775
Living cost
9 707
9 707
9 707
9 707
Free-cash
57 348
59 168
48 293
62 068

Estimated living cost  is ₽9707 per week

₽6569
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽407
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽326
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.
₽2405
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
₽1744
₽1708
-₽3820
₽1926
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
-
-
-
72 500
income
-
-
-
5 342
social contributions
-
-
-
2 066
health
-
-
-
734
surtax
-
-
-
-
pensions
-
-
-
20 045
other
-
-
-
2 247
total
-
-
-
30 434
Employee
52 335
-
55 246
-
income
4 566
-
5 321
-
social contributions
1 491
-
1 575
-
surtax
-
-
-
-
pensions
5 919
-
6 248
-
total
11 976
-
13 144
-
Employer
52 335
-
55 246
-
unemployment
2 120
-
2 237
-
social contributions
157
-
166
-
pensions
8 599
-
9 077
-
other
1 806
-
1 906
-
health
3 663
-
3 868
-
total
16 345
-
17 254
-
Corporate
3 820
72 500
-
-
income
1 069
20 300
-
-
surtax
-
-
-
-
total
1 069
20 300
-
-
Dividends
2 751
52 200
-
-
withholding
352
6 682
-
-
surtax
-
-
-
-
social contributions
474
8 980
-
-
total
826
15 662
-
-
Income
72 500
72 500
72 500
72 500
Total tax
30 216
35 962
30 398
30 434
After tax
42 284
36 538
42 102
42 066
Living cost
40 358
40 358
40 358
40 358
Free-cash
1 926
-3 820
1 744
1 708

Estimated living cost  is ₽40358 per week

₽27314
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3301
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽553
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.
₽9189
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
₽22662
₽22648
₽37978
₽33881
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.

-
-
-
72 500
income
-
-
-
12 184
health
-
-
-
6 339
unemployment
-
-
-
923
pensions
-
-
-
16 003
total
-
-
-
35 449
Employee

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

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

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

21 718
-
61 493
-
income
2 994
-
12 191
-
health
1 118
-
3 167
-
unemployment
163
-
461
-
pensions
3 041
-
8 609
-
total
7 316
-
24 428
-
Employer

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

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

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

21 718
-
61 493
-
unemployment
163
-
461
-
pensions
2 606
-
7 379
-
health
1 118
-
3 167
-
total
3 887
-
11 007
-
Corporate
46 894
72 500
-
-
income
7 034
10 875
-
-
total
7 034
10 875
-
-
Dividends
39 860
61 625
-
-
withholding
5 979
9 244
-
-
total
5 979
9 244
-
-
Income
72 500
72 500
72 500
72 500
Total tax
24 216
20 119
35 435
35 449
After tax
48 284
52 381
37 065
37 051
Living cost
14 403
14 403
14 403
14 403
Free-cash
33 881
37 978
22 662
22 648

Estimated living cost  is ₽14403 per week

₽9697
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1114
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽417
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.
₽3175
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
-₽1360
₽2325
-₽25176
-₽2262
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
-
-
-
72 500
regional
-
-
-
2 389
national
-
-
-
383
health
-
-
-
190
city
-
-
-
764
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.

-
-
-
1 450
pensions
-
-
-
6 671
total
-
-
-
11 847
Employee
68 258
-
64 893
-
regional
2 235
-
2 052
-
city
733
-
697
-
health
154
-
145
-
unemployment
-
-
-
-
national
323
-
296
-
pensions
5 735
-
5 450
-
total
9 180
-
8 640
-
Employer
68 258
-
64 893
-
unemployment
-
-
-
-
pensions
5 735
-
5 450
-
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.

1 365
-
1 297
-
health
154
-
145
-
total
7 254
-
6 892
-
Corporate
-
72 500
-
-
regional
-
15 334
-
-
national
-
6 163
-
-
total
-
21 497
-
-
Dividends
-
51 003
-
-
withholding
-
17 851
-
-
total
-
17 851
-
-
Income
72 500
72 500
72 500
72 500
Total tax
16 434
39 348
15 532
11 847
After tax
56 066
33 152
56 968
60 653
Living cost
58 328
58 328
58 328
58 328
Free-cash
-2 262
-25 176
-1 360
2 325

Estimated living cost  is ₽58328 per week

₽37930
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5234
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽716
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.
₽14447
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
₽10159
₽20640
₽16969
₽14008
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

-
-
-
72 500
municipal
-
-
-
12 912
national
-
-
-
6 100
health
-
-
-
767
total
-
-
-
19 779
Employee
43 962
-
60 991
-
health
328
-
590
-
unemployment
660
-
915
-
national
726
-
3 167
-
municipal
7 201
-
9 966
-
pensions
2 967
-
4 116
-
total
11 882
-
18 754
-
Employer
43 962
-
60 991
-
unemployment
285
-
396
-
pensions
7 627
-
10 581
-
accident
44
-
60
-
health
338
-
469
-
total
8 294
-
11 506
-
Corporate
20 243
72 500
-
-
income
4 048
14 500
-
-
total
4 048
14 500
-
-
Dividends

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

12 146
43 500
-
-
national
-
1 120
-
-
municipal
2 187
7 830
-
-
total
2 187
8 950
-
-
Income
72 500
72 500
72 500
72 500
Total tax
26 411
23 450
30 260
19 779
After tax
46 089
49 050
42 240
52 721
Living cost
32 081
32 081
32 081
32 081
Free-cash
14 008
16 969
10 159
20 640

Estimated living cost  is ₽32081 per week

₽20955
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3086
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽511
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7530
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
-₽1542
₽4815
₽10235
-₽4669
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
-
-
-
72 500
national
-
-
-
22 798
social contributions
-
-
-
10 713
communal

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

-
-
-
3 707
total
-
-
-
37 218
Employee

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

59 771
-
56 153
-
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.

2 808
-
2 639
-
communal

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

3 117
-
2 929
-
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.

520
-
488
-
national
18 376
-
16 960
-
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.

4 483
-
4 212
-
total
29 304
-
27 228
-
Employer

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

59 771
-
56 153
-
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.

872
-
820
-
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.

5 296
-
4 976
-
surtax
6 777
-
6 368
-
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.

777
-
729
-
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.

3 676
-
3 454
-
total
17 398
-
16 347
-
Corporate
-
72 500
-
-
income
-
14 500
-
-
surtax
-
290
-
-
total
-
14 790
-
-
Dividends
-
57 710
-
-
withholding

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

-
17 008
-
-
total
-
17 008
-
-
Income
72 500
72 500
72 500
72 500
Total tax
46 702
31 798
43 575
37 218
After tax
25 798
40 702
28 925
35 282
Living cost
30 467
30 467
30 467
30 467
Free-cash
-4 669
10 235
-1 542
4 815

Estimated living cost  is ₽30467 per week

₽19625
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2664
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽477
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7702
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
₽4122
₽1545
₽4990
₽4212
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
-
-
-
72 500
municipal
-
-
-
15 356
national
-
-
-
-
health
-
-
-
4 524
accident
-
-
-
145
unemployment
-
-
-
73
pensions
-
-
-
7 837
other
-
-
-
8 425
total
-
-
-
36 360
Employee
49 295
-
55 167
-
national
-
-
-
-
municipal
14 700
-
16 451
-
total
14 700
-
16 451
-
Employer
49 295
-
55 167
-
unemployment
1 301
-
1 456
-
pensions
5 329
-
5 963
-
other
5 728
-
6 410
-
accident
99
-
110
-
health
3 032
-
3 393
-
total
15 489
-
17 332
-
Corporate
7 716
72 500
-
-
income
1 698
15 950
-
-
total
1 698
15 950
-
-
Dividends
6 019
56 550
-
-
withholding
1 806
16 965
-
-
total
1 806
16 965
-
-
Income
72 500
72 500
72 500
72 500
Total tax
33 693
32 915
33 783
36 360
After tax
38 807
39 585
38 717
36 140
Living cost
34 595
34 595
34 595
34 595
Free-cash
4 212
4 990
4 122
1 545

Estimated living cost  is ₽34595 per week

₽22928
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3395
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽525
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.
₽7747
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
₽22664
₽11911
₽5917
-₽59476
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
-
-
-
72 500
income
-
-
-
14 132
social contributions
-
-
-
8 265
total
-
-
-
22 397
Employee
54 762
-
-
-
income
12 079
-
-
-
social contributions
4 491
-
640
-
total
16 570
-
640
-
Employer
54 762
-
-
-
social contributions
77 214
-
11 004
-
total
77 214
-
11 004
-
Corporate
-
72 500
-
-
income
-
15 950
-
-
total
-
15 950
-
-
Dividends
-
56 550
-
-
income
-
12 441
-
-
total
-
12 441
-
-
Income
72 500
72 500
72 500
72 500
Total tax
93 784
28 391
11 644
22 397
After tax
-21 284
44 109
60 856
50 103
Living cost
38 192
38 192
38 192
38 192
Free-cash
-59 476
5 917
22 664
11 911

Estimated living cost  is ₽38192 per week

₽24780
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3592
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽487
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.
₽9333
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
₽25763
₽25838
₽26028
₽22566
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
-
-
-
72 500
income
-
-
-
6 401
social contributions
-
-
-
11 309
health
-
-
-
1 849
total
-
-
-
19 559
Employee
64 253
64 253
65 819
-
income
6 747
5 948
6 370
-
social contributions
3 122
5 333
5 463
-
health
639
1 093
1 120
-
total
10 508
12 374
12 953
-
Employer
64 253
64 253
65 819
-
social contributions
3 122
5 333
5 463
-
health
696
1 189
1 218
-
total
3 818
6 522
6 681
-
Corporate
31 071
1 725
-
-
income
3 883
216
-
-
total
3 883
216
-
-
Dividends
27 187
1 509
-
-
withholding
4 622
257
-
-
total
4 622
257
-
-
Income
72 500
72 500
72 500
72 500
Total tax
22 831
19 369
19 634
19 559
After tax
49 669
53 131
52 866
52 941
Living cost
27 103
27 103
27 103
27 103
Free-cash
22 566
26 028
25 763
25 838

Estimated living cost  is ₽27103 per week

₽18527
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2117
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽455
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6003
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
₽15393
₽23561
₽24011
₽19407
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
-
-
-
72 500
income
-
-
-
13 467
pensions
-
-
-
5 163
total
-
-
-
18 630
Employee
41 604
-
63 991
-
income
7 576
-
11 426
-
health
543
-
1 001
-
pensions
3 175
-
5 862
-
total
11 294
-
18 289
-
Employer
41 604
-
63 991
-
pensions
4 203
-
7 292
-
health
791
-
1 217
-
total
4 994
-
8 509
-
Corporate
25 902
72 500
-
-
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.

4 922
13 775
-
-
total
4 922
13 775
-
-
Dividends
20 980
58 725
-
-
withholding
1 574
4 405
-
-
total
1 574
4 405
-
-
Income
72 500
72 500
72 500
72 500
Total tax
22 784
18 180
26 798
18 630
After tax
49 716
54 320
45 702
53 870
Living cost
30 309
30 309
30 309
30 309
Free-cash
19 407
24 011
15 393
23 561

Estimated living cost  is ₽30309 per week

₽20792
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2787
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽379
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.
₽6349
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
₽787
₽4106
₽4900
₽1099
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
-
-
-
72 500
municipal
-
-
-
485
regional
-
-
-
1 345
national
-
-
-
14 630
social contributions
-
-
-
18 646
total
-
-
-
35 106
Employee
70 413
-
72 500
-
regional
1 063
-
1 119
-
social contributions
23 743
-
24 447
-
national
11 899
-
12 426
-
municipal
420
-
433
-
total
37 125
-
38 425
-
Employer
70 413
-
72 500
-
total
-
-
-
-
Corporate
2 087
72 500
-
-
nationa
501
17 400
-
-
municipal
100
3 495
-
-
total
601
20 895
-
-
Dividends
1 486
51 605
-
-
withholding
387
13 417
-
-
total
387
13 417
-
-
Income
72 500
72 500
72 500
72 500
Total tax
38 113
34 312
38 425
35 106
After tax
34 387
38 188
34 075
37 394
Living cost
33 288
33 288
33 288
33 288
Free-cash
1 099
4 900
787
4 106

Estimated living cost  is ₽33288 per week

₽23383
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2290
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽503
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.
₽7112
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
₽19524
₽32319
-₽11612
₽3192
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
-
-
-
72 500
income
-
-
-
17 160
health
-
-
-
1 733
accident
-
-
-
201
pensions
-
-
-
3 307
other
-
-
-
295
total
-
-
-
22 696
Employee
27 504
-
61 222
-
income
3 773
-
11 139
-
health
3 149
-
7 010
-
pensions
3 097
-
6 064
-
total
10 019
-
24 213
-
Employer
27 504
-
61 222
-
unemployment
674
-
1 500
-
pensions
4 472
-
8 756
-
accident
459
-
1 022
-
total
5 605
-
11 278
-
Corporate
39 390
72 500
-
-
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.

35 451
65 250
-
-
total
35 451
65 250
-
-
Dividends
3 939
7 250
-
-
withholding
748
1 377
-
-
total
748
1 377
-
-
Income
72 500
72 500
72 500
72 500
Total tax
51 823
66 627
35 491
22 696
After tax
20 677
5 873
37 009
49 804
Living cost
17 485
17 485
17 485
17 485
Free-cash
3 192
-11 612
19 524
32 319

Estimated living cost  is ₽17485 per week

₽12815
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽969
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽365
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3337
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
₽20549
₽15721
₽5174
₽16105
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.

-
-
-
72 500
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.

-
-
-
13 253
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.

-
-
-
5 709
trade
-
-
-
4 828
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.

-
-
-
729
total
-
-
-
24 519
Employee

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

41 576
-
72 500
-
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.

3 419
-
13 253
-
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.

5 709
-
5 709
-
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.

189
-
729
-
total
9 317
-
19 691
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
30 924
72 500
-
-
chamber of commerce
173
233
-
-
income
4 638
10 875
-
-
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.

255
598
-
-
trade
4 437
10 404
-
-
total
9 503
22 110
-
-
Dividends
21 421
50 391
-
-
withholding
5 038
12 280
-
-
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.

277
676
-
-
total
5 315
12 956
-
-
Income
72 500
72 500
72 500
72 500
Total tax
24 135
35 066
19 691
24 519
After tax
48 365
37 434
52 809
47 981
Living cost
32 260
32 260
32 260
32 260
Free-cash
16 105
5 174
20 549
15 721

Estimated living cost  is ₽32260 per week

₽22254
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3471
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽468
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6067
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
₽23606
₽21446
₽40616
₽33762
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.

-
-
-
72 500
microenterprise
-
-
-
-
income
-
-
-
10 362
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.

-
-
-
23 308
surtax
-
-
-
-
total
-
-
-
33 670
Employee
24 417
-
58 425
-
income
4 346
-
11 008
-
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.

2 686
-
6 427
-
surtax
-
-
-
-
total
7 032
-
17 435
-
Employer
24 417
-
58 425
-
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.

5 881
-
14 075
-
surtax
-
-
-
-
total
5 881
-
14 075
-
Corporate
42 202
72 500
-
-
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%.

8 441
14 500
-
-
total
8 441
14 500
-
-
Dividends

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

33 761
58 000
-
-
total
-
-
-
-
Income
72 500
72 500
72 500
72 500
Total tax
21 354
14 500
31 510
33 670
After tax
51 146
58 000
40 990
38 830
Living cost
17 384
17 384
17 384
17 384
Free-cash
33 762
40 616
23 606
21 446

Estimated living cost  is ₽17384 per week

₽11090
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1655
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽395
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4243
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
₽29210
₽29979
₽34438
₽32662
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
-
-
-
72 500
income
-
-
-
18 127
health
-
-
-
5 713
pensions
-
-
-
7 879
total
-
-
-
31 719
Employee
16 453
-
63 636
-
income
3 183
-
17 713
-
health
823
-
1 970
-
unemployment
165
-
394
-
pensions
1 481
-
3 546
-
total
5 652
-
23 623
-
Employer
16 453
-
63 636
-
unemployment
329
-
788
-
pensions
1 810
-
4 334
-
health
1 563
-
3 743
-
total
3 702
-
8 865
-
Corporate
52 345
72 500
-
-
income
11 516
15 950
-
-
total
11 516
15 950
-
-
Dividends
40 829
56 550
-
-
withholding
8 166
11 310
-
-
total
8 166
11 310
-
-
Income
72 500
72 500
72 500
72 500
Total tax
29 036
27 260
32 488
31 719
After tax
43 464
45 240
40 012
40 781
Living cost
10 802
10 802
10 802
10 802
Free-cash
32 662
34 438
29 210
29 979

Estimated living cost  is ₽10802 per week

₽6419
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽876
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽247
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.
₽3260
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
₽18278
₽19667
₽26836
₽24177
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
-
-
-
72 500
income
-
-
-
12 825
health
-
-
-
5 147
unemployment
-
-
-
190
surtax
-
-
-
1 403
pensions
-
-
-
14 500
other
-
-
-
-
total
-
-
-
34 065
Employee
28 140
-
59 894
-
other
-
-
-
-
income
4 717
-
11 915
-
health
718
-
1 527
-
unemployment
1 958
-
4 169
-
surtax
100
-
1 243
-
pensions
1 877
-
3 994
-
total
9 370
-
22 848
-
Employer
28 140
-
59 894
-
unemployment
893
-
1 898
-
pensions
3 752
-
7 984
-
other
-
-
-
-
health
1 280
-
2 724
-
total
5 925
-
12 606
-
Corporate
38 436
72 500
-
-
income
9 993
18 849
-
-
total
9 993
18 849
-
-
Dividends
28 443
53 651
-
-
withholding
4 267
8 047
-
-
total
4 267
8 047
-
-
Income
72 500
72 500
72 500
72 500
Total tax
29 555
26 896
35 454
34 065
After tax
42 945
45 604
37 046
38 435
Living cost
18 768
18 768
18 768
18 768
Free-cash
24 177
26 836
18 278
19 667

Estimated living cost  is ₽18768 per week

₽11331
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1632
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.
₽5371
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
-₽2762
₽11380
₽14259
₽13843
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
-
-
-
72 500
income
-
-
-
10 087
chamber of commerce
-
-
-
290
health
-
-
-