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
₽ 73000
per

Your estimated
City
free-cash

Valencia , Spain
₽16219
₽15701
₽26232
₽21848
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
-
-
-
73 000
income
-
-
-
12 422
accident
-
-
-
656
unemployment
-
-
-
511
pensions
-
-
-
20 659
other
-
-
-
73
total
-
-
-
34 321
Employee
30 897
-
55 354
-
other
30
-
55
-
income
5 957
-
12 642
-
unemployment
479
-
858
-
pensions
1 453
-
2 602
-
total
7 919
-
16 157
-
Employer
30 897
-
55 354
-
unemployment
1 700
-
3 045
-
pensions
7 291
-
13 063
-
other
247
-
442
-
accident
612
-
1 096
-
total
9 850
-
17 646
-
Corporate
32 253
73 000
-
-
income

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

4 838
10 949
-
-
total
4 838
10 949
-
-
Dividends
27 415
62 051
-
-
withholding
5 567
12 841
-
-
total
5 567
12 841
-
-
Income
73 000
73 000
73 000
73 000
Total tax
28 174
23 790
33 803
34 321
After tax
44 826
49 210
39 197
38 679
Living cost
22 978
22 978
22 978
22 978
Free-cash
21 848
26 232
16 219
15 701

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
₽20521
₽17262
₽31367
₽25725
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
-
-
-
73 000
income
-
-
-
9 272
health
-
-
-
3 213
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.

-
-
-
17 520
other
-
-
-
3 468
total
-
-
-
33 473
Employee
30 340
-
58 305
-
income
5 223
-
10 036
-
health
425
-
817
-
unemployment
303
-
584
-
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
-
4 082
-
total
8 074
-
15 519
-
Employer
30 340
-
58 305
-
unemployment
303
-
584
-
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
-
9 912
-
other
1 518
-
2 916
-
accident
243
-
466
-
health
425
-
817
-
total
7 647
-
14 695
-
Corporate
35 014
73 000
-
-
income
7 353
15 331
-
-
total
7 353
15 331
-
-
Dividends
27 661
57 669
-
-
withholding
1 936
4 037
-
-
total
1 936
4 037
-
-
Income
73 000
73 000
73 000
73 000
Total tax
25 010
19 368
30 214
33 473
After tax
47 990
53 632
42 786
39 527
Living cost
22 265
22 265
22 265
22 265
Free-cash
25 725
31 367
20 521
17 262

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
₽45405
₽43339
₽51482
₽47609
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
-
-
-
73 000
income
-
-
-
10 950
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
-
-
-
18 728
Employee
14 477
-
67 285
-
income
1 447
-
6 729
-
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
-
10 947
-
Employer
14 477
-
67 285
-
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
55 682
73 000
-
-
income
5 568
7 300
-
-
total
5 568
7 300
-
-
Dividends
50 114
65 700
-
-
withholding
2 506
3 285
-
-
total
2 506
3 285
-
-
Income
73 000
73 000
73 000
73 000
Total tax
14 458
10 585
16 662
18 728
After tax
58 542
62 415
56 338
54 272
Living cost
10 933
10 933
10 933
10 933
Free-cash
47 609
51 482
45 405
43 339

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
₽13744
₽13752
₽8203
₽13138
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
-
-
-
73 000
income
-
-
-
5 459
social contributions
-
-
-
2 080
health
-
-
-
771
surtax
-
-
-
-
pensions
-
-
-
20 086
other
-
-
-
2 263
total
-
-
-
30 659
Employee
35 762
-
55 627
-
income
2 111
-
5 419
-
social contributions
1 020
-
1 584
-
surtax
-
-
-
-
pensions
4 044
-
6 292
-
total
7 175
-
13 295
-
Employer
35 762
-
55 627
-
unemployment
1 448
-
2 253
-
social contributions
108
-
166
-
pensions
5 875
-
9 140
-
other
1 234
-
1 919
-
health
2 504
-
3 894
-
total
11 169
-
17 372
-
Corporate
26 070
73 000
-
-
income
7 299
20 440
-
-
surtax
-
-
-
-
total
7 299
20 440
-
-
Dividends
18 771
52 560
-
-
withholding
2 402
6 728
-
-
surtax
-
-
-
-
social contributions
3 228
9 040
-
-
total
5 630
15 768
-
-
Income
73 000
73 000
73 000
73 000
Total tax
31 273
36 208
30 667
30 659
After tax
41 727
36 792
42 333
42 341
Living cost
28 589
28 589
28 589
28 589
Free-cash
13 138
8 203
13 744
13 752

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
-₽9975
₽6490
-₽5285
-₽9975
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
-
-
-
73 000
income
-
-
-
12 306
health
-
-
-
9 410
pensions
-
-
-
9 790
total
-
-
-
31 506
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
73 000
73 000
73 000
73 000
Total tax
47 971
43 281
47 971
31 506
After tax
25 029
29 719
25 029
41 494
Living cost
35 004
35 004
35 004
35 004
Free-cash
-9 975
-5 285
-9 975
6 490

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
₽27808
₽22429
₽11630
₽20872
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.

-
-
-
73 000
income

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

-
-
-
13 434
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
-
-
-
5 379
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.

-
-
-
739
total
-
-
-
25 261
Employee

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

31 960
-
73 000
-
income

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

893
-
13 434
-
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
-
739
-
total
6 651
-
19 882
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
41 040
73 000
-
-
chamber of commerce
186
232
-
-
income
6 156
10 949
-
-
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.

339
603
-
-
trade
6 463
11 498
-
-
total
13 144
23 282
-
-
Dividends
27 896
49 719
-
-
withholding
6 657
12 112
-
-
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.

366
666
-
-
total
7 023
12 778
-
-
Income
73 000
73 000
73 000
73 000
Total tax
26 818
36 060
19 882
25 261
After tax
46 182
36 940
53 118
47 739
Living cost
25 310
25 310
25 310
25 310
Free-cash
20 872
11 630
27 808
22 429

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
₽33807
₽33879
₽34150
₽29602
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
-
-
-
73 000
income
-
-
-
6 524
social contributions
-
-
-
11 389
health
-
-
-
1 862
total
-
-
-
19 775
Employee
64 253
64 253
66 273
-
income
6 996
5 948
6 492
-
social contributions
2 429
5 333
5 501
-
health
498
1 093
1 127
-
total
9 923
12 374
13 120
-
Employer
64 253
64 253
66 273
-
social contributions
2 429
5 333
5 501
-
health
541
1 189
1 226
-
total
2 970
6 522
6 727
-
Corporate
40 760
2 225
-
-
income
5 095
277
-
-
total
5 095
277
-
-
Dividends
35 665
1 947
-
-
withholding
6 064
331
-
-
total
6 064
331
-
-
Income
73 000
73 000
73 000
73 000
Total tax
24 052
19 504
19 847
19 775
After tax
48 948
53 496
53 153
53 225
Living cost
19 346
19 346
19 346
19 346
Free-cash
29 602
34 150
33 807
33 879

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
₽11636
₽14938
₽15312
₽14472
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.

-
-
-
73 000
income
-
-
-
6 484
social contributions

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

-
-
-
25 368
surtax
-
-
-
-
total
-
-
-
31 852
Employee
38 431
-
58 990
-
income
7 994
-
14 655
-
social contributions
4 227
-
6 489
-
surtax
-
-
-
-
total
12 221
-
21 144
-
Employer
38 431
-
58 990
-
social contributions
9 127
-
14 010
-
total
9 127
-
14 010
-
Corporate
25 442
73 000
-
-
income
5 342
15 331
-
-
surtax
-
-
-
-
total
5 342
15 331
-
-
Dividends
20 100
57 669
-
-
withholding
5 628
16 147
-
-
total
5 628
16 147
-
-
Income
73 000
73 000
73 000
73 000
Total tax
32 318
31 478
35 154
31 852
After tax
40 682
41 522
37 846
41 148
Living cost
26 210
26 210
26 210
26 210
Free-cash
14 472
15 312
11 636
14 938

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
₽52171
₽66041
₽63121
₽61953
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%.

-
-
-
73 000
microenterprise

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

-
-
-
730
total
-
-
-
730
Employee
7 786
-
73 000
-
income
1 557
-
14 600
-
total
1 557
-
14 600
-
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%.

65 214
73 000
-
-
total
-
-
-
-
Dividends
65 214
73 000
-
-
withholding
3 261
3 650
-
-
total
3 261
3 650
-
-
Income
73 000
73 000
73 000
73 000
Total tax
4 818
3 650
14 600
730
After tax
68 182
69 350
58 400
72 270
Living cost
6 229
6 229
6 229
6 229
Free-cash
61 953
63 121
52 171
66 041

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
₽13726
₽15820
₽27848
₽20860
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.

-
-
-
73 000
income
-
-
-
14 144
health
-
-
-
7 183
unemployment
-
-
-
109
pensions
-
-
-
13 331
total
-
-
-
34 767
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
-
63 165
-
income
6 372
-
13 067
-
health
2 386
-
4 080
-
unemployment
52
-
89
-
pensions
5 728
-
9 790
-
total
14 538
-
27 026
-
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
-
63 165
-
unemployment
22
-
38
-
pensions
3 270
-
5 590
-
health
2 461
-
4 207
-
total
5 753
-
9 835
-
Corporate
30 297
73 000
-
-
income
5 756
13 870
-
-
total
5 756
13 870
-
-
Dividends
24 541
59 130
-
-
withholding
3 680
8 869
-
-
total
3 680
8 869
-
-
Income
73 000
73 000
73 000
73 000
Total tax
29 727
22 739
36 861
34 767
After tax
43 273
50 261
36 139
38 233
Living cost
22 413
22 413
22 413
22 413
Free-cash
20 860
27 848
13 726
15 820

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
₽23116
₽13415
₽12703
₽17032
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.

-
-
-
73 000
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
-
69 156
-
social contributions
3 841
-
3 844
-
income
4 159
-
11 864
-
total
8 000
-
15 708
-
Employer
38 332
-
69 156
-
social contributions
3 841
-
3 844
-
total
3 841
-
3 844
-
Corporate
30 827
73 000
-
-
income
10 789
25 550
-
-
total
10 789
25 550
-
-
Dividends
20 038
47 450
-
-
social contributions
3 006
4 415
-
-
total
3 006
4 415
-
-
Income
73 000
73 000
73 000
73 000
Total tax
25 636
29 965
19 552
29 253
After tax
47 364
43 035
53 448
43 747
Living cost
30 332
30 332
30 332
30 332
Free-cash
17 032
12 703
23 116
13 415

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
₽29837
₽29163
₽26818
₽27253
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
-
-
-
73 000
income
-
-
-
10 949
social contributions
-
-
-
10 074
health
-
-
-
5 095
total
-
-
-
26 118
Employee
28 332
-
73 000
-
income
4 725
-
10 275
-
social contributions
3 910
-
10 074
-
health
1 977
-
5 095
-
total
10 612
-
25 444
-
Employer
28 332
-
73 000
-
total
-
-
-
-
Corporate
44 668
73 000
-
-
income

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

2 233
3 650
-
-
total
2 233
3 650
-
-
Dividends
42 436
69 350
-
-
withholding
6 365
10 402
-
-
health
2 962
4 841
-
-
social contributions
5 856
9 570
-
-
total
15 183
24 813
-
-
Income
73 000
73 000
73 000
73 000
Total tax
28 028
28 463
25 444
26 118
After tax
44 972
44 537
47 556
46 882
Living cost
17 719
17 719
17 719
17 719
Free-cash
27 253
26 818
29 837
29 163

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
₽14165
₽12674
₽27380
₽19218
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
-
-
-
73 000
income
-
-
-
6 274
social contributions
-
-
-
21 316
solidarity contribution
-
-
-
-
health
-
-
-
9 855
total
-
-
-
37 445
Employee
33 648
-
54 478
-
solidarity contribution
-
-
-
-
income
4 038
-
6 537
-
social contributions
2 187
-
3 541
-
health
4 542
-
7 354
-
total
10 767
-
17 432
-
Employer
33 648
-
54 478
-
social contributions
8 412
-
13 619
-
health
3 028
-
4 903
-
total
11 440
-
18 522
-
Corporate
27 912
73 000
-
-
income
5 303
13 870
-
-
total
5 303
13 870
-
-
Dividends
22 608
59 130
-
-
withholding
3 391
8 869
-
-
total
3 391
8 869
-
-
Income
73 000
73 000
73 000
73 000
Total tax
30 901
22 739
35 954
37 445
After tax
42 099
50 261
37 046
35 555
Living cost
22 881
22 881
22 881
22 881
Free-cash
19 218
27 380
14 165
12 674

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
₽48693
₽62563
₽59643
₽57822
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%.

-
-
-
73 000
microenterprise

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

-
-
-
730
total
-
-
-
730
Employee
12 134
-
73 000
-
income
2 427
-
14 600
-
total
2 427
-
14 600
-
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%.

60 866
73 000
-
-
total
-
-
-
-
Dividends
60 866
73 000
-
-
withholding
3 044
3 650
-
-
total
3 044
3 650
-
-
Income
73 000
73 000
73 000
73 000
Total tax
5 471
3 650
14 600
730
After tax
67 529
69 350
58 400
72 270
Living cost
9 707
9 707
9 707
9 707
Free-cash
57 822
59 643
48 693
62 563

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
₽1975
₽1983
-₽3566
₽2179
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
-
-
-
73 000
income
-
-
-
5 459
social contributions
-
-
-
2 080
health
-
-
-
771
surtax
-
-
-
-
pensions
-
-
-
20 086
other
-
-
-
2 263
total
-
-
-
30 659
Employee
52 335
-
55 627
-
income
4 566
-
5 419
-
social contributions
1 491
-
1 584
-
surtax
-
-
-
-
pensions
5 919
-
6 292
-
total
11 976
-
13 295
-
Employer
52 335
-
55 627
-
unemployment
2 120
-
2 253
-
social contributions
157
-
166
-
pensions
8 599
-
9 140
-
other
1 806
-
1 919
-
health
3 663
-
3 894
-
total
16 345
-
17 372
-
Corporate
4 320
73 000
-
-
income
1 210
20 440
-
-
surtax
-
-
-
-
total
1 210
20 440
-
-
Dividends
3 110
52 560
-
-
withholding
398
6 728
-
-
surtax
-
-
-
-
social contributions
534
9 040
-
-
total
932
15 768
-
-
Income
73 000
73 000
73 000
73 000
Total tax
30 463
36 208
30 667
30 659
After tax
42 537
36 792
42 333
42 341
Living cost
40 358
40 358
40 358
40 358
Free-cash
2 179
-3 566
1 975
1 983

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
₽22971
₽22973
₽38340
₽34242
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.

-
-
-
73 000
income
-
-
-
12 359
health
-
-
-
6 339
unemployment
-
-
-
923
pensions
-
-
-
16 003
total
-
-
-
35 624
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
-
61 983
-
income
2 994
-
12 359
-
health
1 118
-
3 170
-
unemployment
163
-
462
-
pensions
3 041
-
8 617
-
total
7 316
-
24 608
-
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
-
61 983
-
unemployment
163
-
462
-
pensions
2 606
-
7 386
-
health
1 118
-
3 170
-
total
3 887
-
11 018
-
Corporate
47 394
73 000
-
-
income
7 109
10 950
-
-
total
7 109
10 950
-
-
Dividends
40 285
62 050
-
-
withholding
6 043
9 307
-
-
total
6 043
9 307
-
-
Income
73 000
73 000
73 000
73 000
Total tax
24 355
20 257
35 626
35 624
After tax
48 645
52 743
37 374
37 376
Living cost
14 403
14 403
14 403
14 403
Free-cash
34 242
38 340
22 971
22 973

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
-₽984
₽2725
-₽24946
-₽1762
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
-
-
-
73 000
regional
-
-
-
2 416
national
-
-
-
395
health
-
-
-
190
city
-
-
-
769
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.

-
-
-
1 461
pensions
-
-
-
6 716
total
-
-
-
11 947
Employee
68 258
-
65 339
-
regional
2 235
-
2 076
-
city
733
-
703
-
health
154
-
147
-
unemployment
-
-
-
-
national
323
-
299
-
pensions
5 735
-
5 489
-
total
9 180
-
8 714
-
Employer
68 258
-
65 339
-
unemployment
-
-
-
-
pensions
5 735
-
5 489
-
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
-
1 306
-
health
154
-
147
-
total
7 254
-
6 942
-
Corporate
-
73 000
-
-
regional
-
15 439
-
-
national
-
6 205
-
-
total
-
21 644
-
-
Dividends
-
51 356
-
-
withholding
-
17 974
-
-
total
-
17 974
-
-
Income
73 000
73 000
73 000
73 000
Total tax
16 434
39 618
15 656
11 947
After tax
56 566
33 382
57 344
61 053
Living cost
58 328
58 328
58 328
58 328
Free-cash
-1 762
-24 946
-984
2 725

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
₽10401
₽20939
₽17263
₽14354
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

-
-
-
73 000
municipal
-
-
-
13 001
national
-
-
-
6 204
health
-
-
-
775
total
-
-
-
19 980
Employee
43 962
-
61 412
-
health
328
-
596
-
unemployment
660
-
921
-
national
726
-
3 233
-
municipal
7 201
-
10 034
-
pensions
2 967
-
4 145
-
total
11 882
-
18 929
-
Employer
43 962
-
61 412
-
unemployment
285
-
400
-
pensions
7 627
-
10 654
-
accident
44
-
62
-
health
338
-
473
-
total
8 294
-
11 589
-
Corporate
20 743
73 000
-
-
income
4 148
14 600
-
-
total
4 148
14 600
-
-
Dividends

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

12 446
43 800
-
-
national
-
1 172
-
-
municipal
2 241
7 884
-
-
total
2 241
9 056
-
-
Income
73 000
73 000
73 000
73 000
Total tax
26 565
23 656
30 518
19 980
After tax
46 435
49 344
42 482
53 020
Living cost
32 081
32 081
32 081
32 081
Free-cash
14 354
17 263
10 401
20 939

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
-₽1378
₽5008
₽10512
-₽4169
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
-
-
-
73 000
national
-
-
-
22 976
social contributions
-
-
-
10 818
communal

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

-
-
-
3 731
total
-
-
-
37 525
Employee

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

59 771
-
56 539
-
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
-
2 658
-
communal

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

3 117
-
2 949
-
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
-
492
-
national
18 376
-
17 111
-
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
-
4 240
-
total
29 304
-
27 450
-
Employer

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

59 771
-
56 539
-
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
-
826
-
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
-
5 009
-
surtax
6 777
-
6 413
-
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
-
736
-
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
-
3 477
-
total
17 398
-
16 461
-
Corporate
-
73 000
-
-
income
-
14 600
-
-
surtax
-
292
-
-
total
-
14 892
-
-
Dividends
-
58 109
-
-
withholding

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

-
17 129
-
-
total
-
17 129
-
-
Income
73 000
73 000
73 000
73 000
Total tax
46 702
32 021
43 911
37 525
After tax
26 298
40 979
29 089
35 475
Living cost
30 467
30 467
30 467
30 467
Free-cash
-4 169
10 512
-1 378
5 008

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
₽4387
₽1795
₽5263
₽4485
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
-
-
-
73 000
municipal
-
-
-
15 462
national
-
-
-
-
health
-
-
-
4 555
accident
-
-
-
146
unemployment
-
-
-
73
pensions
-
-
-
7 891
other
-
-
-
8 483
total
-
-
-
36 610
Employee
49 295
-
55 547
-
national
-
-
-
-
municipal
14 700
-
16 564
-
total
14 700
-
16 564
-
Employer
49 295
-
55 547
-
unemployment
1 301
-
1 467
-
pensions
5 329
-
6 005
-
other
5 728
-
6 455
-
accident
99
-
111
-
health
3 032
-
3 416
-
total
15 489
-
17 454
-
Corporate
8 216
73 000
-
-
income
1 808
16 060
-
-
total
1 808
16 060
-
-
Dividends
6 409
56 940
-
-
withholding
1 923
17 082
-
-
total
1 923
17 082
-
-
Income
73 000
73 000
73 000
73 000
Total tax
33 920
33 142
34 018
36 610
After tax
39 080
39 858
38 982
36 390
Living cost
34 595
34 595
34 595
34 595
Free-cash
4 485
5 263
4 387
1 795

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
₽23164
₽12257
₽6221
-₽58976
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
-
-
-
73 000
income
-
-
-
14 229
social contributions
-
-
-
8 322
total
-
-
-
22 551
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
-
73 000
-
-
income
-
16 060
-
-
total
-
16 060
-
-
Dividends
-
56 940
-
-
income
-
12 527
-
-
total
-
12 527
-
-
Income
73 000
73 000
73 000
73 000
Total tax
93 784
28 587
11 644
22 551
After tax
-20 784
44 413
61 356
50 449
Living cost
38 192
38 192
38 192
38 192
Free-cash
-58 976
6 221
23 164
12 257

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
₽26050
₽26122
₽26393
₽22927
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
-
-
-
73 000
income
-
-
-
6 524
social contributions
-
-
-
11 389
health
-
-
-
1 862
total
-
-
-
19 775
Employee
64 253
64 253
66 273
-
income
6 747
5 948
6 492
-
social contributions
3 122
5 333
5 501
-
health
639
1 093
1 127
-
total
10 508
12 374
13 120
-
Employer
64 253
64 253
66 273
-
social contributions
3 122
5 333
5 501
-
health
696
1 189
1 226
-
total
3 818
6 522
6 727
-
Corporate
31 571
2 225
-
-
income
3 947
277
-
-
total
3 947
277
-
-
Dividends
27 624
1 947
-
-
withholding
4 697
331
-
-
total
4 697
331
-
-
Income
73 000
73 000
73 000
73 000
Total tax
22 970
19 504
19 847
19 775
After tax
50 030
53 496
53 153
53 225
Living cost
27 103
27 103
27 103
27 103
Free-cash
22 927
26 393
26 050
26 122

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
₽15692
₽23843
₽24386
₽19782
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
-
-
-
73 000
income
-
-
-
13 640
pensions
-
-
-
5 208
total
-
-
-
18 848
Employee
41 604
-
64 424
-
income
7 576
-
11 499
-
health
543
-
1 010
-
pensions
3 175
-
5 914
-
total
11 294
-
18 423
-
Employer
41 604
-
64 424
-
pensions
4 203
-
7 352
-
health
791
-
1 224
-
total
4 994
-
8 576
-
Corporate
26 402
73 000
-
-
income

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

5 016
13 870
-
-
total
5 016
13 870
-
-
Dividends
21 386
59 130
-
-
withholding
1 605
4 435
-
-
total
1 605
4 435
-
-
Income
73 000
73 000
73 000
73 000
Total tax
22 909
18 305
26 999
18 848
After tax
50 091
54 695
46 001
54 152
Living cost
30 309
30 309
30 309
30 309
Free-cash
19 782
24 386
15 692
23 843

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
₽979
₽4319
₽5163
₽1361
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
-
-
-
73 000
municipal
-
-
-
488
regional
-
-
-
1 360
national
-
-
-
14 769
social contributions
-
-
-
18 776
total
-
-
-
35 393
Employee
70 413
-
73 000
-
regional
1 063
-
1 131
-
social contributions
23 743
-
24 615
-
national
11 899
-
12 551
-
municipal
420
-
436
-
total
37 125
-
38 733
-
Employer
70 413
-
73 000
-
total
-
-
-
-
Corporate
2 587
73 000
-
-
nationa
622
17 520
-
-
municipal
125
3 519
-
-
total
747
21 039
-
-
Dividends
1 841
51 961
-
-
withholding
479
13 510
-
-
total
479
13 510
-
-
Income
73 000
73 000
73 000
73 000
Total tax
38 351
34 549
38 733
35 393
After tax
34 649
38 451
34 267
37 607
Living cost
33 288
33 288
33 288
33 288
Free-cash
1 361
5 163
979
4 319

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
₽19813
₽32659
-₽11572
₽3232
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
-
-
-
73 000
income
-
-
-
17 320
health
-
-
-
1 733
accident
-
-
-
201
pensions
-
-
-
3 307
other
-
-
-
295
total
-
-
-
22 856
Employee
27 504
-
61 702
-
income
3 773
-
11 275
-
health
3 149
-
7 065
-
pensions
3 097
-
6 064
-
total
10 019
-
24 404
-
Employer
27 504
-
61 702
-
unemployment
674
-
1 512
-
pensions
4 472
-
8 756
-
accident
459
-
1 030
-
total
5 605
-
11 298
-
Corporate
39 890
73 000
-
-
income

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

35 901
65 700
-
-
total
35 901
65 700
-
-
Dividends
3 989
7 300
-
-
withholding
758
1 387
-
-
total
758
1 387
-
-
Income
73 000
73 000
73 000
73 000
Total tax
52 283
67 087
35 702
22 856
After tax
20 717
5 913
37 298
50 144
Living cost
17 485
17 485
17 485
17 485
Free-cash
3 232
-11 572
19 813
32 659

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
₽20858
₽15958
₽5431
₽16359
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.

-
-
-
73 000
income

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

-
-
-
13 434
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
-
-
-
4 900
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.

-
-
-
739
total
-
-
-
24 782
Employee

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

41 576
-
73 000
-
income

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

3 419
-
13 434
-
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
-
739
-
total
9 317
-
19 882
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
31 424
73 000
-
-
chamber of commerce
173
235
-
-
income
4 714
10 949
-
-
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.

260
603
-
-
trade
4 510
10 475
-
-
total
9 657
22 262
-
-
Dividends
21 767
50 738
-
-
withholding
5 125
12 367
-
-
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.

282
680
-
-
total
5 407
13 047
-
-
Income
73 000
73 000
73 000
73 000
Total tax
24 381
35 309
19 882
24 782
After tax
48 619
37 691
53 118
48 218
Living cost
32 260
32 260
32 260
32 260
Free-cash
16 359
5 431
20 858
15 958

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
₽23884
₽21706
₽41016
₽34162
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.

-
-
-
73 000
microenterprise
-
-
-
-
income
-
-
-
10 440
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.

-
-
-
23 470
surtax
-
-
-
-
total
-
-
-
33 910
Employee
24 417
-
58 829
-
income
4 346
-
11 090
-
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
-
6 471
-
surtax
-
-
-
-
total
7 032
-
17 561
-
Employer
24 417
-
58 829
-
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
-
14 171
-
surtax
-
-
-
-
total
5 881
-
14 171
-
Corporate
42 702
73 000
-
-
income

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

8 541
14 600
-
-
total
8 541
14 600
-
-
Dividends

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

34 162
58 400
-
-
total
-
-
-
-
Income
73 000
73 000
73 000
73 000
Total tax
21 454
14 600
31 732
33 910
After tax
51 546
58 400
41 268
39 090
Living cost
17 384
17 384
17 384
17 384
Free-cash
34 162
41 016
23 884
21 706

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
₽29535
₽30305
₽34750
₽32974
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
-
-
-
73 000
income
-
-
-
18 301
health
-
-
-
5 713
pensions
-
-
-
7 879
total
-
-
-
31 893
Employee
16 453
-
64 136
-
income
3 183
-
17 888
-
health
823
-
1 970
-
unemployment
165
-
394
-
pensions
1 481
-
3 546
-
total
5 652
-
23 798
-
Employer
16 453
-
64 136
-
unemployment
329
-
788
-
pensions
1 810
-
4 334
-
health
1 563
-
3 743
-
total
3 702
-
8 865
-
Corporate
52 845
73 000
-
-
income
11 626
16 060
-
-
total
11 626
16 060
-
-
Dividends
41 219
56 940
-
-
withholding
8 244
11 388
-
-
total
8 244
11 388
-
-
Income
73 000
73 000
73 000
73 000
Total tax
29 224
27 448
32 663
31 893
After tax
43 776
45 552
40 337
41 107
Living cost
10 802
10 802
10 802
10 802
Free-cash
32 974
34 750
29 535
30 305

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
₽18474
₽19873
₽27150
₽24491
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
-
-
-
73 000
income
-
-
-
12 960
health
-
-
-
5 182
unemployment
-
-
-
190
surtax
-
-
-
1 427
pensions
-
-
-
14 600
other
-
-
-
-
total
-
-
-
34 359
Employee
28 140
-
60 305
-
other
-
-
-
-
income
4 717
-
12 042
-
health
718
-
1 538
-
unemployment
1 958
-
4 197
-
surtax
100
-
1 265
-
pensions
1 877
-
4 023
-
total
9 370
-
23 065
-
Employer
28 140
-
60 305
-
unemployment
893
-
1 912
-
pensions
3 752
-
8 038
-
other
-
-
-
-
health
1 280
-
2 743
-
total
5 925
-
12 693
-
Corporate
38 936
73 000
-
-
income
10 123
18 979
-
-
total
10 123
18 979
-
-
Dividends
28 813
54 021
-
-
withholding
4 323
8 103
-
-
total
4 323
8 103
-
-
Income
73 000
73 000
73 000
73 000
Total tax
29 741
27 082
35 758
34 359
After tax
43 259
45 918
37 242
38 641
Living cost
18 768
18 768
18 768
18 768
Free-cash
24 491
27 150
18 474
19 873

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
-₽2645
₽11466
₽14532
₽14116
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
-
-
-
73 000
income
-
-
-
10 369
chamber of commerce
-
-
-
292
health
-
-
-