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
₽ 73500
per

Your estimated
City
free-cash

Valencia , Spain
₽16456
₽15936
₽26555
₽22170
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
-
-
-
73 500
income
-
-
-
12 524
accident
-
-
-
662
unemployment
-
-
-
514
pensions
-
-
-
20 800
other
-
-
-
73
total
-
-
-
34 573
Employee
30 915
-
55 732
-
other
30
-
56
-
income
5 960
-
12 748
-
unemployment
479
-
863
-
pensions
1 453
-
2 619
-
total
7 922
-
16 286
-
Employer
30 915
-
55 732
-
unemployment
1 701
-
3 065
-
pensions
7 295
-
13 153
-
other
248
-
446
-
accident
612
-
1 103
-
total
9 856
-
17 767
-
Corporate
32 729
73 500
-
-
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.

4 909
11 025
-
-
total
4 909
11 025
-
-
Dividends
27 820
62 475
-
-
withholding
5 652
12 929
-
-
total
5 652
12 929
-
-
Income
73 500
73 500
73 500
73 500
Total tax
28 339
23 954
34 053
34 573
After tax
45 161
49 546
39 447
38 927
Living cost
22 991
22 991
22 991
22 991
Free-cash
22 170
26 555
16 456
15 936

Estimated living cost  is ₽22991 per week

₽15519
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2210
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.
₽4860
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
₽20803
₽17519
₽31722
₽26077
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
-
-
-
73 500
income
-
-
-
9 336
health
-
-
-
3 234
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.

-
-
-
17 642
other
-
-
-
3 491
total
-
-
-
33 703
Employee
30 357
-
58 705
-
income
5 226
-
10 105
-
health
425
-
822
-
unemployment
303
-
587
-
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.

2 124
-
4 109
-
total
8 078
-
15 623
-
Employer
30 357
-
58 705
-
unemployment
303
-
587
-
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.

5 161
-
9 980
-
other
1 518
-
2 937
-
accident
243
-
470
-
health
425
-
822
-
total
7 650
-
14 796
-
Corporate
35 492
73 500
-
-
income
7 454
15 435
-
-
total
7 454
15 435
-
-
Dividends
28 038
58 065
-
-
withholding
1 963
4 065
-
-
total
1 963
4 065
-
-
Income
73 500
73 500
73 500
73 500
Total tax
25 145
19 500
30 419
33 703
After tax
48 355
54 000
43 081
39 797
Living cost
22 278
22 278
22 278
22 278
Free-cash
26 077
31 722
20 803
17 519

Estimated living cost  is ₽22278 per week

₽15741
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1504
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽359
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.
₽4674
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
₽45785
₽43700
₽51871
₽47985
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
-
-
-
73 500
income
-
-
-
11 025
health
-
-
-
3 361
unemployment
-
-
-
117
pensions

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

-
-
-
4 326
total
-
-
-
18 829
Employee
14 527
-
67 766
-
income
1 452
-
6 777
-
health
668
-
1 344
-
accident

We are using the highest rate at 1.1%.

160
-
322
-
pensions

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

1 275
-
2 566
-
total
3 555
-
11 009
-
Employer
14 527
-
67 766
-
unemployment
87
-
175
-
pensions

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

1 601
-
3 221
-
accident

We are using the highest rate at 1.1%.

160
-
322
-
health
1 003
-
2 017
-
total
2 851
-
5 735
-
Corporate
56 123
73 500
-
-
income
5 612
7 350
-
-
total
5 612
7 350
-
-
Dividends
50 510
66 150
-
-
withholding
2 526
3 308
-
-
total
2 526
3 308
-
-
Income
73 500
73 500
73 500
73 500
Total tax
14 544
10 658
16 744
18 829
After tax
58 956
62 842
56 756
54 671
Living cost
10 971
10 971
10 971
10 971
Free-cash
47 985
51 871
45 785
43 700

Estimated living cost  is ₽10971 per week

₽6405
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽783
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽291
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.
₽3492
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
₽13960
₽14009
₽8438
₽13378
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
-
-
-
73 500
income
-
-
-
5 570
social contributions
-
-
-
2 094
health
-
-
-
806
surtax
-
-
-
-
pensions
-
-
-
20 138
other
-
-
-
2 278
total
-
-
-
30 886
Employee
35 783
-
56 008
-
income
2 112
-
5 513
-
social contributions
1 020
-
1 595
-
surtax
-
-
-
-
pensions
4 046
-
6 335
-
total
7 178
-
13 443
-
Employer
35 783
-
56 008
-
unemployment
1 449
-
2 269
-
social contributions
108
-
168
-
pensions
5 878
-
9 202
-
other
1 234
-
1 932
-
health
2 505
-
3 921
-
total
11 174
-
17 492
-
Corporate
26 543
73 500
-
-
income
7 432
20 580
-
-
surtax
-
-
-
-
total
7 432
20 580
-
-
Dividends
19 111
52 920
-
-
withholding
2 447
6 773
-
-
surtax
-
-
-
-
social contributions
3 286
9 104
-
-
total
5 733
15 877
-
-
Income
73 500
73 500
73 500
73 500
Total tax
31 517
36 457
30 935
30 886
After tax
41 983
37 043
42 565
42 614
Living cost
28 605
28 605
28 605
28 605
Free-cash
13 378
8 438
13 960
14 009

Estimated living cost  is ₽28605 per week

₽18037
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2326
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.
₽7757
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
-₽9524
₽6750
-₽4830
-₽9524
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
-
-
-
73 500
income
-
-
-
12 488
health
-
-
-
9 442
pensions
-
-
-
9 796
total
-
-
-
31 726
Employee
71 397
71 397
71 397
-
income

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

11 687
11 687
11 687
-
health
10 959
9 321
10 959
-
pensions
12 852
9 796
12 852
-
total
35 498
30 804
35 498
-
Employer
71 397
71 397
71 397
-
unemployment
2 570
2 570
2 570
-
pensions
4 969
4 969
4 969
-
health
4 963
4 963
4 963
-
total
12 502
12 502
12 502
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Income
73 500
73 500
73 500
73 500
Total tax
48 000
43 306
48 000
31 726
After tax
25 500
30 194
25 500
41 774
Living cost
35 024
35 024
35 024
35 024
Free-cash
-9 524
-4 830
-9 524
6 750

Estimated living cost  is ₽35024 per week

₽24821
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3157
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.
₽6489
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
₽28107
₽22654
₽11867
₽21114
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.

-
-
-
73 500
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.

-
-
-
13 608
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.

-
-
-
5 712
trade
-
-
-
5 453
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.

-
-
-
749
total
-
-
-
25 522
Employee

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

31 978
-
73 500
-
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
-
13 608
-
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.

5 712
-
5 712
-
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
-
749
-
total
6 654
-
20 069
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
41 522
73 500
-
-
chamber of commerce
187
233
-
-
income
6 229
11 025
-
-
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.

343
606
-
-
trade
6 540
11 576
-
-
total
13 299
23 440
-
-
Dividends
28 223
50 059
-
-
withholding
6 738
12 198
-
-
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.

371
671
-
-
total
7 109
12 869
-
-
Income
73 500
73 500
73 500
73 500
Total tax
27 062
36 309
20 069
25 522
After tax
46 438
37 191
53 431
47 978
Living cost
25 324
25 324
25 324
25 324
Free-cash
21 114
11 867
28 107
22 654

Estimated living cost  is ₽25324 per week

₽15930
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2953
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.
₽5969
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
₽34089
₽34163
₽34502
₽29952
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
-
-
-
73 500
income
-
-
-
6 640
social contributions
-
-
-
11 466
health
-
-
-
1 874
total
-
-
-
19 980
Employee
64 290
64 290
66 727
-
income
7 000
5 951
6 608
-
social contributions
2 431
5 336
5 539
-
health
498
1 093
1 134
-
total
9 929
12 380
13 281
-
Employer
64 290
64 290
66 727
-
social contributions
2 431
5 336
5 539
-
health
541
1 190
1 234
-
total
2 972
6 526
6 773
-
Corporate
41 242
2 684
-
-
income
5 155
335
-
-
total
5 155
335
-
-
Dividends
36 087
2 349
-
-
withholding
6 135
400
-
-
total
6 135
400
-
-
Income
73 500
73 500
73 500
73 500
Total tax
24 191
19 641
20 054
19 980
After tax
49 309
53 859
53 446
53 520
Living cost
19 357
19 357
19 357
19 357
Free-cash
29 952
34 502
34 089
34 163

Estimated living cost  is ₽19357 per week

₽11601
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1899
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.
₽5429
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
₽11849
₽15192
₽15582
₽14740
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.

-
-
-
73 500
income
-
-
-
6 542
social contributions

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

-
-
-
25 541
surtax
-
-
-
-
total
-
-
-
32 083
Employee
38 453
-
59 393
-
income
7 998
-
14 785
-
social contributions
4 230
-
6 534
-
surtax
-
-
-
-
total
12 228
-
21 319
-
Employer
38 453
-
59 393
-
social contributions
9 133
-
14 107
-
total
9 133
-
14 107
-
Corporate
25 915
73 500
-
-
income
5 442
15 435
-
-
surtax
-
-
-
-
total
5 442
15 435
-
-
Dividends
20 472
58 065
-
-
withholding
5 732
16 258
-
-
total
5 732
16 258
-
-
Income
73 500
73 500
73 500
73 500
Total tax
32 535
31 693
35 426
32 083
After tax
40 965
41 807
38 074
41 417
Living cost
26 225
26 225
26 225
26 225
Free-cash
14 740
15 582
11 849
15 192

Estimated living cost  is ₽26225 per week

₽19622
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1547
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.
₽4619
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
₽52550
₽66515
₽63575
₽62403
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%.

-
-
-
73 500
microenterprise

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

-
-
-
735
total
-
-
-
735
Employee
7 813
-
73 500
-
income
1 562
-
14 700
-
total
1 562
-
14 700
-
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%.

65 687
73 500
-
-
total
-
-
-
-
Dividends
65 687
73 500
-
-
withholding
3 285
3 675
-
-
total
3 285
3 675
-
-
Income
73 500
73 500
73 500
73 500
Total tax
4 847
3 675
14 700
735
After tax
68 653
69 825
58 800
72 765
Living cost
6 250
6 250
6 250
6 250
Free-cash
62 403
63 575
52 550
66 515

Estimated living cost  is ₽6250 per week

₽3874
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽520
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽172
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.
₽1685
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
₽13940
₽16046
₽28181
₽21185
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.

-
-
-
73 500
income
-
-
-
14 265
health
-
-
-
7 232
unemployment
-
-
-
109
pensions
-
-
-
13 423
total
-
-
-
35 029
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.

36 971
-
63 596
-
income
6 376
-
13 179
-
health
2 388
-
4 108
-
unemployment
52
-
89
-
pensions
5 731
-
9 858
-
total
14 547
-
27 234
-
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.

36 971
-
63 596
-
unemployment
22
-
38
-
pensions
3 272
-
5 628
-
health
2 462
-
4 235
-
total
5 756
-
9 901
-
Corporate
30 772
73 500
-
-
income
5 847
13 965
-
-
total
5 847
13 965
-
-
Dividends
24 926
59 535
-
-
withholding
3 740
8 929
-
-
total
3 740
8 929
-
-
Income
73 500
73 500
73 500
73 500
Total tax
29 890
22 894
37 135
35 029
After tax
43 610
50 606
36 365
38 471
Living cost
22 425
22 425
22 425
22 425
Free-cash
21 185
28 181
13 940
16 046

Estimated living cost  is ₽22425 per week

₽15390
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.
₽435
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.
₽5164
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
₽23473
₽13865
₽13008
₽17293
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.

-
-
-
73 500
income
-
-
-
23 799
health

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

-
-
-
5 486
total
-
-
-
29 285
Employee
38 354
-
69 654
-
social contributions
3 843
-
3 846
-
income
4 162
-
11 985
-
total
8 005
-
15 831
-
Employer
38 354
-
69 654
-
social contributions
3 843
-
3 846
-
total
3 843
-
3 846
-
Corporate
31 303
73 500
-
-
income
10 956
25 725
-
-
total
10 956
25 725
-
-
Dividends
20 348
47 775
-
-
social contributions
3 053
4 417
-
-
total
3 053
4 417
-
-
Income
73 500
73 500
73 500
73 500
Total tax
25 857
30 142
19 677
29 285
After tax
47 643
43 358
53 823
44 215
Living cost
30 350
30 350
30 350
30 350
Free-cash
17 293
13 008
23 473
13 865

Estimated living cost  is ₽30350 per week

₽19991
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2393
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.
₽7500
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
₽30125
₽29473
₽27114
₽27545
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
-
-
-
73 500
income
-
-
-
11 025
social contributions
-
-
-
10 143
health
-
-
-
5 130
total
-
-
-
26 298
Employee
28 348
-
73 500
-
income
4 728
-
10 373
-
social contributions
3 913
-
10 143
-
health
1 979
-
5 130
-
total
10 620
-
25 646
-
Employer
28 348
-
73 500
-
total
-
-
-
-
Corporate
45 152
73 500
-
-
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%.

2 258
3 675
-
-
total
2 258
3 675
-
-
Dividends
42 894
69 825
-
-
withholding
6 434
10 473
-
-
health
2 994
4 874
-
-
social contributions
5 920
9 635
-
-
total
15 348
24 982
-
-
Income
73 500
73 500
73 500
73 500
Total tax
28 226
28 657
25 646
26 298
After tax
45 274
44 843
47 854
47 202
Living cost
17 729
17 729
17 729
17 729
Free-cash
27 545
27 114
30 125
29 473

Estimated living cost  is ₽17729 per week

₽11865
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.
₽4362
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
₽14420
₽12920
₽27727
₽19565
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
-
-
-
73 500
income
-
-
-
6 317
social contributions
-
-
-
21 462
solidarity contribution
-
-
-
-
health
-
-
-
9 923
total
-
-
-
37 702
Employee
33 645
-
54 851
-
solidarity contribution
-
-
-
-
income
4 037
-
6 582
-
social contributions
2 187
-
3 565
-
health
4 542
-
7 405
-
total
10 766
-
17 552
-
Employer
33 645
-
54 851
-
social contributions
8 411
-
13 713
-
health
3 028
-
4 937
-
total
11 439
-
18 650
-
Corporate
28 416
73 500
-
-
income
5 399
13 965
-
-
total
5 399
13 965
-
-
Dividends
23 017
59 535
-
-
withholding
3 453
8 930
-
-
total
3 453
8 930
-
-
Income
73 500
73 500
73 500
73 500
Total tax
31 057
22 895
36 202
37 702
After tax
42 443
50 605
37 298
35 798
Living cost
22 878
22 878
22 878
22 878
Free-cash
19 565
27 727
14 420
12 920

Estimated living cost  is ₽22878 per week

₽17014
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1267
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.
₽4201
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
₽49060
₽63025
₽60085
₽58259
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%.

-
-
-
73 500
microenterprise

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

-
-
-
735
total
-
-
-
735
Employee
12 175
-
73 500
-
income
2 435
-
14 700
-
total
2 435
-
14 700
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

61 325
73 500
-
-
total
-
-
-
-
Dividends
61 325
73 500
-
-
withholding
3 066
3 675
-
-
total
3 066
3 675
-
-
Income
73 500
73 500
73 500
73 500
Total tax
5 501
3 675
14 700
735
After tax
67 999
69 825
58 800
72 765
Living cost
9 740
9 740
9 740
9 740
Free-cash
58 259
60 085
49 060
63 025

Estimated living cost  is ₽9740 per week

₽6591
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽409
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽327
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.
₽2413
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
₽2184
₽2233
-₽3338
₽2409
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
-
-
-
73 500
income
-
-
-
5 570
social contributions
-
-
-
2 094
health
-
-
-
806
surtax
-
-
-
-
pensions
-
-
-
20 138
other
-
-
-
2 278
total
-
-
-
30 886
Employee
52 365
-
56 008
-
income
4 569
-
5 513
-
social contributions
1 491
-
1 595
-
surtax
-
-
-
-
pensions
5 923
-
6 335
-
total
11 983
-
13 443
-
Employer
52 365
-
56 008
-
unemployment
2 121
-
2 269
-
social contributions
157
-
168
-
pensions
8 604
-
9 202
-
other
1 807
-
1 932
-
health
3 665
-
3 921
-
total
16 354
-
17 492
-
Corporate
4 780
73 500
-
-
income
1 339
20 580
-
-
surtax
-
-
-
-
total
1 339
20 580
-
-
Dividends
3 441
52 920
-
-
withholding
441
6 773
-
-
surtax
-
-
-
-
social contributions
593
9 104
-
-
total
1 034
15 877
-
-
Income
73 500
73 500
73 500
73 500
Total tax
30 710
36 457
30 935
30 886
After tax
42 790
37 043
42 565
42 614
Living cost
40 381
40 381
40 381
40 381
Free-cash
2 409
-3 338
2 184
2 233

Estimated living cost  is ₽40381 per week

₽27329
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3303
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽554
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.
₽9194
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
₽23285
₽23284
₽38693
₽34593
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.

-
-
-
73 500
income
-
-
-
12 527
health
-
-
-
6 343
unemployment
-
-
-
924
pensions
-
-
-
16 011
total
-
-
-
35 805
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.

21 730
-
62 477
-
income
2 995
-
12 527
-
health
1 119
-
3 171
-
unemployment
163
-
462
-
pensions
3 042
-
8 621
-
total
7 319
-
24 781
-
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.

21 730
-
62 477
-
unemployment
163
-
462
-
pensions
2 608
-
7 390
-
health
1 119
-
3 171
-
total
3 890
-
11 023
-
Corporate
47 880
73 500
-
-
income
7 182
11 025
-
-
total
7 182
11 025
-
-
Dividends
40 698
62 475
-
-
withholding
6 105
9 371
-
-
total
6 105
9 371
-
-
Income
73 500
73 500
73 500
73 500
Total tax
24 496
20 396
35 804
35 805
After tax
49 004
53 104
37 696
37 695
Living cost
14 411
14 411
14 411
14 411
Free-cash
34 593
38 693
23 285
23 284

Estimated living cost  is ₽14411 per week

₽9703
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1115
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.
₽3176
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
-₽656
₽3069
-₽24777
-₽1337
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
-
-
-
73 500
regional
-
-
-
2 441
national
-
-
-
406
health
-
-
-
190
city
-
-
-
774
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.

-
-
-
1 470
pensions
-
-
-
6 762
total
-
-
-
12 043
Employee
68 329
-
65 786
-
regional
2 237
-
2 099
-
city
733
-
706
-
health
154
-
148
-
unemployment
-
-
-
-
national
323
-
302
-
pensions
5 741
-
5 525
-
total
9 188
-
8 780
-
Employer
68 329
-
65 786
-
unemployment
-
-
-
-
pensions
5 741
-
5 525
-
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.

1 366
-
1 315
-
health
154
-
148
-
total
7 261
-
6 988
-
Corporate
-
73 500
-
-
regional
-
15 545
-
-
national
-
6 247
-
-
total
-
21 792
-
-
Dividends
-
51 708
-
-
withholding
-
18 097
-
-
total
-
18 097
-
-
Income
73 500
73 500
73 500
73 500
Total tax
16 449
39 889
15 768
12 043
After tax
57 051
33 611
57 732
61 457
Living cost
58 388
58 388
58 388
58 388
Free-cash
-1 337
-24 777
-656
3 069

Estimated living cost  is ₽58388 per week

₽37969
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5240
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽717
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.
₽14462
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
₽10630
₽21224
₽17543
₽14678
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

-
-
-
73 500
municipal
-
-
-
13 090
national
-
-
-
6 305
health
-
-
-
782
total
-
-
-
20 177
Employee
43 988
-
61 832
-
health
328
-
603
-
unemployment
660
-
928
-
national
727
-
3 294
-
municipal
7 205
-
10 104
-
pensions
2 969
-
4 174
-
total
11 889
-
19 103
-
Employer
43 988
-
61 832
-
unemployment
286
-
401
-
pensions
7 632
-
10 729
-
accident
44
-
62
-
health
338
-
476
-
total
8 300
-
11 668
-
Corporate
21 213
73 500
-
-
income
4 243
14 700
-
-
total
4 243
14 700
-
-
Dividends

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

12 728
44 100
-
-
national
-
1 220
-
-
municipal
2 291
7 938
-
-
total
2 291
9 158
-
-
Income
73 500
73 500
73 500
73 500
Total tax
26 723
23 858
30 771
20 177
After tax
46 777
49 642
42 729
53 323
Living cost
32 099
32 099
32 099
32 099
Free-cash
14 678
17 543
10 630
21 224

Estimated living cost  is ₽32099 per week

₽20967
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3088
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.
₽7535
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
-₽1227
₽5188
₽10774
-₽3712
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
-
-
-
73 500
national
-
-
-
23 151
social contributions
-
-
-
10 921
communal

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

-
-
-
3 756
total
-
-
-
37 828
Employee

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

59 805
-
56 929
-
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.

2 810
-
2 677
-
communal

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

3 119
-
2 969
-
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
-
495
-
national
18 386
-
17 262
-
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.

4 485
-
4 270
-
total
29 320
-
27 673
-
Employer

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

59 805
-
56 929
-
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.

873
-
831
-
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.

5 299
-
5 044
-
surtax
6 781
-
6 454
-
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
-
741
-
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.

3 678
-
3 500
-
total
17 408
-
16 570
-
Corporate
-
73 500
-
-
income
-
14 700
-
-
surtax
-
294
-
-
total
-
14 994
-
-
Dividends
-
58 507
-
-
withholding

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

-
17 248
-
-
total
-
17 248
-
-
Income
73 500
73 500
73 500
73 500
Total tax
46 728
32 242
44 243
37 828
After tax
26 772
41 258
29 257
35 672
Living cost
30 484
30 484
30 484
30 484
Free-cash
-3 712
10 774
-1 227
5 188

Estimated living cost  is ₽30484 per week

₽19636
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2666
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽478
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.
₽7706
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
₽4664
₽2053
₽5545
₽4768
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
-
-
-
73 500
municipal
-
-
-
15 568
national
-
-
-
-
health
-
-
-
4 586
accident
-
-
-
147
unemployment
-
-
-
74
pensions
-
-
-
7 945
other
-
-
-
8 541
total
-
-
-
36 861
Employee
49 282
-
55 927
-
national
-
-
-
-
municipal
14 696
-
16 677
-
total
14 696
-
16 677
-
Employer
49 282
-
55 927
-
unemployment
1 301
-
1 476
-
pensions
5 327
-
6 046
-
other
5 727
-
6 499
-
accident
99
-
112
-
health
3 031
-
3 440
-
total
15 485
-
17 573
-
Corporate
8 734
73 500
-
-
income
1 921
16 170
-
-
total
1 921
16 170
-
-
Dividends
6 813
57 330
-
-
withholding
2 044
17 199
-
-
total
2 044
17 199
-
-
Income
73 500
73 500
73 500
73 500
Total tax
34 146
33 369
34 250
36 861
After tax
39 354
40 131
39 250
36 639
Living cost
34 586
34 586
34 586
34 586
Free-cash
4 768
5 545
4 664
2 053

Estimated living cost  is ₽34586 per week

₽22922
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3394
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.
₽7745
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
₽23584
₽12541
₽6464
-₽58687
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
-
-
-
73 500
income
-
-
-
14 327
social contributions
-
-
-
8 379
total
-
-
-
22 706
Employee
54 849
-
-
-
income
12 099
-
-
-
social contributions
4 498
-
641
-
total
16 597
-
641
-
Employer
54 849
-
-
-
social contributions
77 337
-
11 022
-
total
77 337
-
11 022
-
Corporate
-
73 500
-
-
income
-
16 170
-
-
total
-
16 170
-
-
Dividends
-
57 330
-
-
income
-
12 613
-
-
total
-
12 613
-
-
Income
73 500
73 500
73 500
73 500
Total tax
93 934
28 783
11 663
22 706
After tax
-20 434
44 717
61 837
50 794
Living cost
38 253
38 253
38 253
38 253
Free-cash
-58 687
6 464
23 584
12 541

Estimated living cost  is ₽38253 per week

₽24820
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3598
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.
₽9348
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
₽26328
₽26402
₽26741
₽23275
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
-
-
-
73 500
income
-
-
-
6 640
social contributions
-
-
-
11 466
health
-
-
-
1 874
total
-
-
-
19 980
Employee
64 290
64 290
66 727
-
income
6 751
5 951
6 608
-
social contributions
3 124
5 336
5 539
-
health
639
1 093
1 134
-
total
10 514
12 380
13 281
-
Employer
64 290
64 290
66 727
-
social contributions
3 124
5 336
5 539
-
health
697
1 190
1 234
-
total
3 821
6 526
6 773
-
Corporate
32 047
2 684
-
-
income
4 006
335
-
-
total
4 006
335
-
-
Dividends
28 041
2 349
-
-
withholding
4 766
400
-
-
total
4 766
400
-
-
Income
73 500
73 500
73 500
73 500
Total tax
23 107
19 641
20 054
19 980
After tax
50 393
53 859
53 446
53 520
Living cost
27 118
27 118
27 118
27 118
Free-cash
23 275
26 741
26 328
26 402

Estimated living cost  is ₽27118 per week

₽18538
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2118
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.
₽6007
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
₽15925
₽24080
₽24691
₽20076
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
-
-
-
73 500
income
-
-
-
13 792
pensions
-
-
-
5 249
total
-
-
-
19 041
Employee
41 700
-
64 860
-
income
7 594
-
11 576
-
health
544
-
1 018
-
pensions
3 183
-
5 962
-
total
11 321
-
18 556
-
Employer
41 700
-
64 860
-
pensions
4 213
-
7 408
-
health
793
-
1 232
-
total
5 006
-
8 640
-
Corporate
26 795
73 500
-
-
income

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

5 090
13 965
-
-
total
5 090
13 965
-
-
Dividends
21 705
59 535
-
-
withholding
1 628
4 465
-
-
total
1 628
4 465
-
-
Income
73 500
73 500
73 500
73 500
Total tax
23 045
18 430
27 196
19 041
After tax
50 455
55 070
46 304
54 459
Living cost
30 379
30 379
30 379
30 379
Free-cash
20 076
24 691
15 925
24 080

Estimated living cost  is ₽30379 per week

₽20840
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2794
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽380
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6364
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
₽1154
₽4514
₽5408
₽1605
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
-
-
-
73 500
municipal
-
-
-
492
regional
-
-
-
1 375
national
-
-
-
14 908
social contributions
-
-
-
18 904
total
-
-
-
35 679
Employee
70 453
-
73 500
-
regional
1 064
-
1 143
-
social contributions
23 756
-
24 784
-
national
11 906
-
12 674
-
municipal
420
-
438
-
total
37 146
-
39 039
-
Employer
70 453
-
73 500
-
total
-
-
-
-
Corporate
3 047
73 500
-
-
nationa
731
17 640
-
-
municipal
148
3 543
-
-
total
879
21 183
-
-
Dividends
2 168
52 317
-
-
withholding
563
13 602
-
-
total
563
13 602
-
-
Income
73 500
73 500
73 500
73 500
Total tax
38 588
34 785
39 039
35 679
After tax
34 912
38 715
34 461
37 821
Living cost
33 307
33 307
33 307
33 307
Free-cash
1 605
5 408
1 154
4 514

Estimated living cost  is ₽33307 per week

₽23396
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2291
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.
₽7116
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
₽20115
₽33009
-₽11522
₽3273
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
-
-
-
73 500
income
-
-
-
17 484
health
-
-
-
1 732
accident
-
-
-
201
pensions
-
-
-
3 305
other
-
-
-
294
total
-
-
-
23 016
Employee
27 489
-
62 186
-
income
3 771
-
11 416
-
health
3 148
-
7 120
-
pensions
3 095
-
6 060
-
total
10 014
-
24 596
-
Employer
27 489
-
62 186
-
unemployment
673
-
1 524
-
pensions
4 470
-
8 751
-
accident
459
-
1 039
-
total
5 602
-
11 314
-
Corporate
40 408
73 500
-
-
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.

36 368
66 150
-
-
total
36 368
66 150
-
-
Dividends
4 041
7 350
-
-
withholding
768
1 397
-
-
total
768
1 397
-
-
Income
73 500
73 500
73 500
73 500
Total tax
52 752
67 547
35 910
23 016
After tax
20 748
5 953
37 590
50 484
Living cost
17 475
17 475
17 475
17 475
Free-cash
3 273
-11 522
20 115
33 009

Estimated living cost  is ₽17475 per week

₽12808
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽968
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.
₽3335
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
₽21152
₽16183
₽5669
₽16607
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.

-
-
-
73 500
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.

-
-
-
13 608
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.

-
-
-
5 712
trade
-
-
-
4 969
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.

-
-
-
749
total
-
-
-
25 038
Employee

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

41 600
-
73 500
-
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.

3 421
-
13 608
-
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.

5 712
-
5 712
-
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
-
749
-
total
9 322
-
20 069
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
31 900
73 500
-
-
chamber of commerce
173
235
-
-
income
4 785
11 025
-
-
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.

263
606
-
-
trade
4 577
10 548
-
-
total
9 798
22 414
-
-
Dividends
22 101
51 086
-
-
withholding
5 207
12 453
-
-
surtax

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

287
685
-
-
total
5 494
13 138
-
-
Income
73 500
73 500
73 500
73 500
Total tax
24 614
35 552
20 069
25 038
After tax
48 886
37 948
53 431
48 462
Living cost
32 279
32 279
32 279
32 279
Free-cash
16 607
5 669
21 152
16 183

Estimated living cost  is ₽32279 per week

₽22266
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3473
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.
₽6070
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
₽24149
₽21958
₽41406
₽34547
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.

-
-
-
73 500
microenterprise
-
-
-
-
income
-
-
-
10 517
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.

-
-
-
23 631
surtax
-
-
-
-
total
-
-
-
34 148
Employee
24 431
-
59 232
-
income
4 349
-
11 173
-
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.

2 688
-
6 516
-
surtax
-
-
-
-
total
7 037
-
17 689
-
Employer
24 431
-
59 232
-
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.

5 885
-
14 268
-
surtax
-
-
-
-
total
5 885
-
14 268
-
Corporate
43 185
73 500
-
-
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%.

8 637
14 700
-
-
total
8 637
14 700
-
-
Dividends

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

34 547
58 800
-
-
total
-
-
-
-
Income
73 500
73 500
73 500
73 500
Total tax
21 559
14 700
31 957
34 148
After tax
51 941
58 800
41 543
39 352
Living cost
17 394
17 394
17 394
17 394
Free-cash
34 547
41 406
24 149
21 958

Estimated living cost  is ₽17394 per week

₽11097
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1656
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.
₽4246
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
₽29851
₽30620
₽35056
₽33281
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
-
-
-
73 500
income
-
-
-
18 473
health
-
-
-
5 716
pensions
-
-
-
7 883
total
-
-
-
32 072
Employee
16 461
-
64 631
-
income
3 184
-
18 059
-
health
823
-
1 971
-
unemployment
165
-
394
-
pensions
1 481
-
3 548
-
total
5 653
-
23 972
-
Employer
16 461
-
64 631
-
unemployment
329
-
788
-
pensions
1 811
-
4 336
-
health
1 564
-
3 745
-
total
3 704
-
8 869
-
Corporate
53 335
73 500
-
-
income
11 734
16 170
-
-
total
11 734
16 170
-
-
Dividends
41 601
57 330
-
-
withholding
8 320
11 466
-
-
total
8 320
11 466
-
-
Income
73 500
73 500
73 500
73 500
Total tax
29 411
27 636
32 841
32 072
After tax
44 089
45 864
40 659
41 428
Living cost
10 808
10 808
10 808
10 808
Free-cash
33 281
35 056
29 851
30 620

Estimated living cost  is ₽10808 per week

₽6423
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.
₽248
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.
₽3261
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
₽18659
₽20073
₽27452
₽24793
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
-
-
-
73 500
income
-
-
-
13 091
health
-
-
-
5 218
unemployment
-
-
-
190
surtax
-
-
-
1 449
pensions
-
-
-
14 700
other
-
-
-
-
total
-
-
-
34 648
Employee
28 156
-
60 718
-
other
-
-
-
-
income
4 720
-
12 166
-
health
719
-
1 549
-
unemployment
1 959
-
4 227
-
surtax
100
-
1 287
-
pensions
1 879
-
4 051
-
total
9 377
-
23 280
-
Employer
28 156
-
60 718
-
unemployment
893
-
1 925
-
pensions
3 754
-
8 093
-
other
-
-
-
-
health
1 280
-
2 764
-
total
5 927
-
12 782
-
Corporate
39 416
73 500
-
-
income
10 248
19 111
-
-
total
10 248
19 111
-
-
Dividends
29 168
54 389
-
-
withholding
4 376
8 158
-
-
total
4 376
8 158
-
-
Income
73 500
73 500
73 500
73 500
Total tax
29 928
27 269
36 062
34 648
After tax
43 572
46 231
37 438
38 852
Living cost
18 779
18 779
18 779
18 779
Free-cash
24 793
27 452
18 659
20 073

Estimated living cost  is ₽18779 per week

₽11338
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1633
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.
₽5374
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
-₽2550
₽11547
₽14787
₽14374
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
-
-
-
73 500
income
-
-
-
10 637
chamber of commerce
-
-
-
294
health
-
-