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
₽20789
₽15436
₽14916
₽25397
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
unemployment
-
-
-
515
income
-
-
-
12 376
other
-
-
-
73
accident
-
-
-
662
pensions
-
-
-
20 800
total
-
-
-
34 426
Employee
32 483
-
55 730
-
unemployment
503
-
864
-
pensions
1 527
-
2 619
-
income
6 262
-
12 599
-
other
32
-
55
-
total
8 324
-
16 137
-
Employer
32 483
-
55 730
-
pensions
7 665
-
13 152
-
accident
644
-
1 104
-
unemployment
1 787
-
3 066
-
other
260
-
447
-
total
10 356
-
17 769
-
Corporate
30 661
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.

4 600
11 025
-
-
total
4 600
11 025
-
-
Dividends
26 061
62 475
-
-
withholding
5 273
12 920
-
-
total
5 273
12 920
-
-
Income
73 500
73 500
73 500
73 500
Total tax
28 553
23 945
33 906
34 426
After tax
44 947
49 555
39 594
39 074
Living cost
24 158
24 158
24 158
24 158
Free-cash
20 789
25 397
15 436
14 916

Estimated living cost  is ₽24158 per week

₽16306
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2322
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽423
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.
₽5106
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
₽24662
₽19674
₽16391
₽30592
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
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.

-
-
-
17 640
income
-
-
-
9 336
other
-
-
-
3 491
health
-
-
-
3 234
total
-
-
-
33 701
Employee
31 897
-
58 706
-
health
447
-
822
-
unemployment
318
-
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.

2 232
-
4 109
-
income
5 491
-
10 106
-
total
8 488
-
15 624
-
Employer
31 897
-
58 706
-
health
447
-
822
-
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.

5 423
-
9 979
-
accident
255
-
470
-
unemployment
318
-
587
-
other
1 595
-
2 936
-
total
8 038
-
14 794
-
Corporate
33 564
73 500
-
-
income
7 049
15 436
-
-
total
7 049
15 436
-
-
Dividends
26 516
58 064
-
-
withholding
1 855
4 064
-
-
total
1 855
4 064
-
-
Income
73 500
73 500
73 500
73 500
Total tax
25 430
19 500
30 418
33 701
After tax
48 070
54 000
43 082
39 799
Living cost
23 408
23 408
23 408
23 408
Free-cash
24 662
30 592
19 674
16 391

Estimated living cost  is ₽23408 per week

₽16539
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1580
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽377
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.
₽4911
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
₽47231
₽44751
₽42747
₽51315
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
pensions

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

-
-
-
4 545
unemployment
-
-
-
123
income
-
-
-
11 025
health
-
-
-
3 532
total
-
-
-
19 225
Employee
15 264
-
67 475
-
health
702
-
1 413
-
accident

We are using the highest rate at 1.1%.

168
-
338
-
pensions

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

1 340
-
2 697
-
income
1 526
-
6 748
-
total
3 736
-
11 196
-
Employer
15 264
-
67 475
-
health
1 054
-
2 119
-
pensions

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

1 682
-
3 384
-
accident

We are using the highest rate at 1.1%.

168
-
338
-
unemployment
91
-
184
-
total
2 995
-
6 025
-
Corporate
55 241
73 500
-
-
income
5 524
7 350
-
-
total
5 524
7 350
-
-
Dividends
49 717
66 150
-
-
withholding
2 486
3 307
-
-
total
2 486
3 307
-
-
Income
73 500
73 500
73 500
73 500
Total tax
14 741
10 657
17 221
19 225
After tax
58 759
62 843
56 279
54 275
Living cost
11 528
11 528
11 528
11 528
Free-cash
47 231
51 315
44 751
42 747

Estimated living cost  is ₽11528 per week

₽6730
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽823
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽305
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.
₽3669
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
₽12177
₽12968
₽12634
₽6989
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
-
-
-
4 951
other
-
-
-
2 279
health
-
-
-
635
social contributions
-
-
-
2 096
pensions
-
-
-
20 849
surtax
-
-
-
-
total
-
-
-
30 810
Employee
37 598
-
56 009
-
pensions
4 251
-
6 333
-
income
2 219
-
5 057
-
social contributions
1 072
-
1 595
-
surtax
-
-
-
-
total
7 542
-
12 985
-
Employer
37 598
-
56 009
-
health
2 632
-
3 921
-
social contributions
113
-
168
-
pensions
6 177
-
9 201
-
unemployment
1 522
-
2 269
-
other
1 297
-
1 932
-
total
11 741
-
17 491
-
Corporate
24 160
73 500
-
-
income
6 765
20 580
-
-
surtax
-
-
-
-
total
6 765
20 580
-
-
Dividends
17 395
52 920
-
-
social contributions
2 992
9 102
-
-
surtax
-
-
-
-
withholding
2 227
6 773
-
-
total
5 219
15 875
-
-
Income
73 500
73 500
73 500
73 500
Total tax
31 267
36 455
30 476
30 810
After tax
42 233
37 045
43 024
42 690
Living cost
30 056
30 056
30 056
30 056
Free-cash
12 177
6 989
12 968
12 634

Estimated living cost  is ₽30056 per week

₽18952
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2444
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽512
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.
₽8150
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
-₽13737
-₽13737
₽4999
-₽8805
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
pensions
-
-
-
10 293
income
-
-
-
11 699
health
-
-
-
9 708
total
-
-
-
31 700
Employee
75 020
75 020
75 020
-
health
11 515
9 794
11 515
-
pensions
13 504
10 293
13 504
-
income

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

12 280
12 280
12 280
-
total
37 299
32 367
37 299
-
Employer
75 020
75 020
75 020
-
health
5 215
5 215
5 215
-
pensions
5 221
5 221
5 221
-
unemployment
2 701
2 701
2 701
-
total
13 137
13 137
13 137
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
73 500
73 500
73 500
73 500
Total tax
50 436
45 504
50 436
31 700
After tax
23 064
27 996
23 064
41 800
Living cost
36 801
36 801
36 801
36 801
Free-cash
-13 737
-8 805
-13 737
4 999

Estimated living cost  is ₽36801 per week

₽26080
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3318
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽585
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.
₽6818
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
₽20312
₽27212
₽22069
₽10595
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
trade
-
-
-
5 143
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.

-
-
-
12 963
health

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

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

-
-
-
6 002
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.

-
-
-
714
total
-
-
-
24 822
Employee

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

33 601
-
73 500
-
health

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

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

6 002
-
6 002
-
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.

939
-
12 963
-
surtax

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

52
-
714
-
total
6 993
-
19 679
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
39 899
73 500
-
-
income
5 985
11 025
-
-
trade
6 283
11 576
-
-
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.

328
607
-
-
chamber of commerce
190
238
-
-
total
12 786
23 446
-
-
Dividends
27 113
50 054
-
-
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.

355
670
-
-
withholding
6 445
12 180
-
-
total
6 800
12 850
-
-
Income
73 500
73 500
73 500
73 500
Total tax
26 579
36 296
19 679
24 822
After tax
46 921
37 204
53 821
48 678
Living cost
26 609
26 609
26 609
26 609
Free-cash
20 312
10 595
27 212
22 069

Estimated living cost  is ₽26609 per week

₽16738
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3102
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽497
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.
₽6272
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
₽28763
₽33438
₽33652
₽33296
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
-
-
-
6 168
health
-
-
-
1 874
social contributions
-
-
-
11 466
total
-
-
-
19 508
Employee
67 552
67 552
67 552
-
health
523
1 149
1 134
-
income
7 355
6 253
6 278
-
social contributions
2 554
5 606
5 538
-
total
10 432
13 008
12 950
-
Employer
67 552
67 552
67 552
-
health
568
1 250
1 234
-
social contributions
2 554
5 606
5 538
-
total
3 122
6 856
6 772
-
Corporate
39 605
-
-
-
income
4 951
-
-
-
total
4 951
-
-
-
Dividends
34 654
-
-
-
withholding
5 892
-
-
-
total
5 892
-
-
-
Income
73 500
73 500
73 500
73 500
Total tax
24 397
19 864
19 722
19 508
After tax
49 103
53 636
53 778
53 992
Living cost
20 340
20 340
20 340
20 340
Free-cash
28 763
33 296
33 438
33 652

Estimated living cost  is ₽20340 per week

₽12190
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1996
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽450
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.
₽5705
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
₽13367
₽10764
₽13958
₽14251
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
-
-
-
6 445
social contributions

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

-
-
-
25 542
surtax
-
-
-
-
total
-
-
-
31 987
Employee
40 404
-
59 393
-
income
8 404
-
14 543
-
social contributions
4 445
-
6 533
-
surtax
-
-
-
-
total
12 849
-
21 076
-
Employer
40 404
-
59 393
-
social contributions
9 596
-
14 105
-
total
9 596
-
14 105
-
Corporate
23 500
73 500
-
-
income
4 935
15 436
-
-
surtax
-
-
-
-
total
4 935
15 436
-
-
Dividends
18 566
58 064
-
-
withholding
5 198
16 258
-
-
total
5 198
16 258
-
-
Income
73 500
73 500
73 500
73 500
Total tax
32 578
31 694
35 181
31 987
After tax
40 922
41 806
38 319
41 513
Living cost
27 555
27 555
27 555
27 555
Free-cash
13 367
14 251
10 764
13 958

Estimated living cost  is ₽27555 per week

₽20617
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1625
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽460
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.
₽4853
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
₽62400
₽52547
₽66512
₽63572
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
7 816
-
73 500
-
income
1 563
-
14 700
-
total
1 563
-
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%.

65 684
73 500
-
-
total
-
-
-
-
Dividends
65 684
73 500
-
-
withholding
3 284
3 675
-
-
total
3 284
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
6 253
6 253
6 253
6 253
Free-cash
62 400
63 572
52 547
66 512

Estimated living cost  is ₽6253 per week

₽3875
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.
₽1686
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
₽19693
₽12988
₽15093
₽27041
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
pensions
-
-
-
13 424
unemployment
-
-
-
110
income
-
-
-
14 078
health
-
-
-
7 232
total
-
-
-
34 844
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.

38 847
-
63 597
-
health
2 509
-
4 108
-
unemployment
55
-
88
-
pensions
6 022
-
9 858
-
income
6 699
-
12 993
-
total
15 285
-
27 047
-
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.

38 847
-
63 597
-
health
2 587
-
4 236
-
pensions
3 438
-
5 628
-
unemployment
23
-
38
-
total
6 048
-
9 902
-
Corporate
28 605
73 500
-
-
income
5 435
13 965
-
-
total
5 435
13 965
-
-
Dividends
23 170
59 535
-
-
withholding
3 476
8 931
-
-
total
3 476
8 931
-
-
Income
73 500
73 500
73 500
73 500
Total tax
30 244
22 896
36 949
34 844
After tax
43 256
50 604
36 551
38 656
Living cost
23 563
23 563
23 563
23 563
Free-cash
19 693
27 041
12 988
15 093

Estimated living cost  is ₽23563 per week

₽16171
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1510
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽457
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
Sliema , Malta
₽16111
₽21867
₽11270
₽11244
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
-
-
-
25 007
health

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

-
-
-
5 333
total
-
-
-
30 340
Employee
40 300
-
69 459
-
social contributions
4 038
-
4 041
-
income
4 373
-
11 661
-
total
8 411
-
15 702
-
Employer
40 300
-
69 459
-
social contributions
4 038
-
4 041
-
total
4 038
-
4 041
-
Corporate
29 162
73 500
-
-
income
10 206
25 725
-
-
total
10 206
25 725
-
-
Dividends
18 956
47 775
-
-
social contributions
2 844
4 641
-
-
total
2 844
4 641
-
-
Income
73 500
73 500
73 500
73 500
Total tax
25 499
30 366
19 743
30 340
After tax
48 001
43 134
53 757
43 160
Living cost
31 890
31 890
31 890
31 890
Free-cash
16 111
11 244
21 867
11 270

Estimated living cost  is ₽31890 per week

₽21006
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2514
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽488
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.
₽7880
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
₽26667
₽29445
₽28574
₽26213
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
-
-
-
5 130
social contributions
-
-
-
10 143
total
-
-
-
26 298
Employee
29 786
-
73 500
-
health
2 079
-
5 130
-
income
4 968
-
10 154
-
social contributions
4 111
-
10 143
-
total
11 158
-
25 427
-
Employer
29 786
-
73 500
-
total
-
-
-
-
Corporate
43 714
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%.

2 186
3 674
-
-
total
2 186
3 674
-
-
Dividends
41 528
69 826
-
-
social contributions
5 732
9 636
-
-
withholding
6 230
10 474
-
-
health
2 899
4 875
-
-
total
14 861
24 985
-
-
Income
73 500
73 500
73 500
73 500
Total tax
28 205
28 659
25 427
26 298
After tax
45 295
44 841
48 073
47 202
Living cost
18 628
18 628
18 628
18 628
Free-cash
26 667
26 213
29 445
28 574

Estimated living cost  is ₽18628 per week

₽12467
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1149
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.
₽4583
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
₽16736
₽12334
₽10834
₽25641
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
health
-
-
-
9 923
social contributions
-
-
-
21 462
solidarity contribution
-
-
-
-
total
-
-
-
37 702
Employee
36 712
-
54 851
-
health
4 956
-
7 405
-
solidarity contribution
-
-
-
-
income
4 405
-
6 582
-
social contributions
2 386
-
3 565
-
total
11 747
-
17 552
-
Employer
36 712
-
54 851
-
health
3 304
-
4 937
-
social contributions
9 178
-
13 713
-
total
12 482
-
18 650
-
Corporate
24 306
73 500
-
-
income
4 618
13 965
-
-
total
4 618
13 965
-
-
Dividends
19 688
59 535
-
-
withholding
2 953
8 930
-
-
total
2 953
8 930
-
-
Income
73 500
73 500
73 500
73 500
Total tax
31 800
22 895
36 202
37 702
After tax
41 700
50 605
37 298
35 798
Living cost
24 964
24 964
24 964
24 964
Free-cash
16 736
25 641
12 334
10 834

Estimated living cost  is ₽24964 per week

₽18565
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1383
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽432
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.
₽4584
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
₽58254
₽49056
₽63021
₽60081
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
12 180
-
73 500
-
income
2 436
-
14 700
-
total
2 436
-
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%.

61 320
73 500
-
-
total
-
-
-
-
Dividends
61 320
73 500
-
-
withholding
3 066
3 675
-
-
total
3 066
3 675
-
-
Income
73 500
73 500
73 500
73 500
Total tax
5 502
3 675
14 700
735
After tax
67 998
69 825
58 800
72 765
Living cost
9 744
9 744
9 744
9 744
Free-cash
58 254
60 081
49 056
63 021

Estimated living cost  is ₽9744 per week

₽6594
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.
₽2414
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
₽652
₽594
₽260
-₽5385
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
-
-
-
4 951
other
-
-
-
2 279
health
-
-
-
635
social contributions
-
-
-
2 096
pensions
-
-
-
20 849
surtax
-
-
-
-
total
-
-
-
30 810
Employee
55 022
-
56 009
-
pensions
6 223
-
6 333
-
income
4 801
-
5 057
-
social contributions
1 567
-
1 595
-
surtax
-
-
-
-
total
12 591
-
12 985
-
Employer
55 022
-
56 009
-
health
3 851
-
3 921
-
social contributions
165
-
168
-
pensions
9 041
-
9 201
-
unemployment
2 229
-
2 269
-
other
1 899
-
1 932
-
total
17 185
-
17 491
-
Corporate
1 294
73 500
-
-
income
362
20 580
-
-
surtax
-
-
-
-
total
362
20 580
-
-
Dividends
932
52 920
-
-
social contributions
160
9 102
-
-
surtax
-
-
-
-
withholding
120
6 773
-
-
total
280
15 875
-
-
Income
73 500
73 500
73 500
73 500
Total tax
30 418
36 455
30 476
30 810
After tax
43 082
37 045
43 024
42 690
Living cost
42 430
42 430
42 430
42 430
Free-cash
652
-5 385
594
260

Estimated living cost  is ₽42430 per week

₽28716
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.
₽582
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.
₽9661
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
₽33660
₽22624
₽22051
₽37967
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
pensions
-
-
-
16 818
unemployment
-
-
-
970
income
-
-
-
11 861
health
-
-
-
6 663
total
-
-
-
36 312
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.

22 826
-
62 341
-
health
1 176
-
3 211
-
unemployment
171
-
468
-
pensions
3 196
-
8 728
-
income
3 146
-
12 172
-
total
7 689
-
24 579
-
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.

22 826
-
62 341
-
health
1 176
-
3 211
-
pensions
2 739
-
7 481
-
unemployment
171
-
468
-
total
4 086
-
11 160
-
Corporate
46 589
73 500
-
-
income
6 988
11 025
-
-
total
6 988
11 025
-
-
Dividends
39 600
62 475
-
-
withholding
5 940
9 371
-
-
total
5 940
9 371
-
-
Income
73 500
73 500
73 500
73 500
Total tax
24 703
20 396
35 739
36 312
After tax
48 797
53 104
37 761
37 188
Living cost
15 137
15 137
15 137
15 137
Free-cash
33 660
37 967
22 624
22 051

Estimated living cost  is ₽15137 per week

₽10192
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1171
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.
₽3336
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
-₽3781
-₽2510
₽1250
-₽26684
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
pensions
-
-
-
6 761
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
health
-
-
-
197
regional
-
-
-
2 393
national
-
-
-
362
total
-
-
-
11 957
Employee
70 559
-
65 787
-
health
160
-
149
-
unemployment
-
-
-
-
city
757
-
706
-
pensions
5 928
-
5 525
-
regional
2 310
-
2 052
-
national
334
-
295
-
total
9 489
-
8 727
-
Employer
70 559
-
65 787
-
health
160
-
149
-
pensions
5 928
-
5 525
-
unemployment
-
-
-
-
other

This will depend on a canton and a chosen fund. The rate is between 0.1% and 3.63% for an employee. We use 2% as an average rate.

1 411
-
1 316
-
total
7 499
-
6 990
-
Corporate
-
73 500
-
-
regional
-
15 546
-
-
national
-
6 247
-
-
total
-
21 793
-
-
Dividends
-
51 707
-
-
withholding
-
18 098
-
-
total
-
18 098
-
-
Income
73 500
73 500
73 500
73 500
Total tax
16 988
39 891
15 717
11 957
After tax
56 512
33 609
57 783
61 543
Living cost
60 293
60 293
60 293
60 293
Free-cash
-3 781
-26 684
-2 510
1 250

Estimated living cost  is ₽60293 per week

₽39208
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5411
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽740
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.
₽14934
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
₽12842
₽9337
₽20072
₽16237
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
-
-
-
13 092
health
-
-
-
765
national
-
-
-
5 843
total
-
-
-
19 700
Employee
46 219
-
61 832
-
health
345
-
585
-
unemployment
694
-
927
-
pensions
3 119
-
4 174
-
national
764
-
2 974
-
municipal
7 570
-
10 106
-
total
12 492
-
18 766
-
Employer
46 219
-
61 832
-
health
355
-
477
-
pensions
8 019
-
10 728
-
accident
47
-
62
-
unemployment
300
-
402
-
total
8 721
-
11 669
-
Corporate
18 560
73 500
-
-
income
3 713
14 701
-
-
total
3 713
14 701
-
-
Dividends

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

11 136
44 100
-
-
municipal
2 004
7 939
-
-
national
-
895
-
-
total
2 004
8 834
-
-
Income
73 500
73 500
73 500
73 500
Total tax
26 930
23 535
30 435
19 700
After tax
46 570
49 965
43 065
53 800
Living cost
33 728
33 728
33 728
33 728
Free-cash
12 842
16 237
9 337
20 072

Estimated living cost  is ₽33728 per week

₽22031
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3244
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽537
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.
₽7917
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
-₽7631
-₽2515
₽4009
₽9244
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
communal

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

-
-
-
3 769
social contributions
-
-
-
10 691
national
-
-
-
23 000
total
-
-
-
37 460
Employee

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

62 839
-
56 927
-
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.

2 952
-
2 676
-
communal

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

3 278
-
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.

547
-
495
-
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.

4 713
-
4 269
-
national
19 319
-
17 005
-
total
30 809
-
27 414
-
Employer

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

62 839
-
56 927
-
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.

3 864
-
3 501
-
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.

5 568
-
5 043
-
surtax
7 125
-
6 455
-
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.

817
-
739
-
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.

917
-
832
-
total
18 291
-
16 570
-
Corporate
-
73 500
-
-
income
-
14 701
-
-
surtax
-
293
-
-
total
-
14 994
-
-
Dividends
-
58 506
-
-
withholding

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

-
17 231
-
-
total
-
17 231
-
-
Income
73 500
73 500
73 500
73 500
Total tax
49 100
32 225
43 984
37 460
After tax
24 400
41 275
29 516
36 040
Living cost
32 031
32 031
32 031
32 031
Free-cash
-7 631
9 244
-2 515
4 009

Estimated living cost  is ₽32031 per week

₽20632
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2801
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽502
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.
₽8097
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
₽886
₽864
-₽1744
₽1747
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
unemployment
-
-
-
73
municipal
-
-
-
15 568
other
-
-
-
8 541
health
-
-
-
4 586
national
-
-
-
-
accident
-
-
-
147
pensions
-
-
-
7 945
total
-
-
-
36 860
Employee
54 693
-
55 927
-
national
-
-
-
-
municipal
16 309
-
16 678
-
total
16 309
-
16 678
-
Employer
54 693
-
55 927
-
health
3 364
-
3 440
-
pensions
5 912
-
6 046
-
accident
109
-
112
-
unemployment
1 444
-
1 477
-
other
6 355
-
6 499
-
total
17 184
-
17 574
-
Corporate
1 622
73 500
-
-
income
357
16 170
-
-
total
357
16 170
-
-
Dividends
1 265
57 330
-
-
withholding
380
17 199
-
-
total
380
17 199
-
-
Income
73 500
73 500
73 500
73 500
Total tax
34 230
33 369
34 252
36 860
After tax
39 270
40 131
39 248
36 640
Living cost
38 384
38 384
38 384
38 384
Free-cash
886
1 747
864
-1 744

Estimated living cost  is ₽38384 per week

₽25439
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3767
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽583
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.
₽8595
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
-₽69658
₽19441
₽9366
₽3289
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
59 402
-
-
-
income
13 103
-
-
-
social contributions
4 871
-
694
-
total
17 974
-
694
-
Employer
59 402
-
-
-
social contributions
83 756
-
11 937
-
total
83 756
-
11 937
-
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
101 730
28 783
12 631
22 706
After tax
-28 230
44 717
60 869
50 794
Living cost
41 428
41 428
41 428
41 428
Free-cash
-69 658
3 289
19 441
9 366

Estimated living cost  is ₽41428 per week

₽26880
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3896
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽528
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.
₽10123
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
₽21744
₽25284
₽25498
₽25142
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
-
-
-
6 168
health
-
-
-
1 874
social contributions
-
-
-
11 466
total
-
-
-
19 508
Employee
67 552
67 552
67 552
-
health
672
1 149
1 134
-
income
7 094
6 253
6 278
-
social contributions
3 283
5 606
5 538
-
total
11 049
13 008
12 950
-
Employer
67 552
67 552
67 552
-
health
732
1 250
1 234
-
social contributions
3 283
5 606
5 538
-
total
4 015
6 856
6 772
-
Corporate
29 944
-
-
-
income
3 743
-
-
-
total
3 743
-
-
-
Dividends
26 201
-
-
-
withholding
4 455
-
-
-
total
4 455
-
-
-
Income
73 500
73 500
73 500
73 500
Total tax
23 262
19 864
19 722
19 508
After tax
50 238
53 636
53 778
53 992
Living cost
28 494
28 494
28 494
28 494
Free-cash
21 744
25 142
25 284
25 498

Estimated living cost  is ₽28494 per week

₽19478
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2226
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.
₽6312
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
₽19201
₽15229
₽23487
₽23931
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
-
-
-
13 657
pensions
-
-
-
5 216
total
-
-
-
18 873
Employee
42 744
-
64 893
-
health
558
-
1 012
-
pensions
3 262
-
5 921
-
income
7 784
-
11 591
-
total
11 604
-
18 524
-
Employer
42 744
-
64 893
-
health
812
-
1 233
-
pensions
4 318
-
7 374
-
total
5 130
-
8 607
-
Corporate
25 625
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.

4 869
13 965
-
-
total
4 869
13 965
-
-
Dividends
20 757
59 535
-
-
withholding
1 556
4 464
-
-
total
1 556
4 464
-
-
Income
73 500
73 500
73 500
73 500
Total tax
23 159
18 429
27 131
18 873
After tax
50 341
55 071
46 369
54 627
Living cost
31 140
31 140
31 140
31 140
Free-cash
19 201
23 931
15 229
23 487

Estimated living cost  is ₽31140 per week

₽21362
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2864
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽390
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.
₽6523
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
-₽529
-₽201
₽3159
₽3718
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
-
-
-
1 336
social contributions
-
-
-
18 905
national
-
-
-
14 611
total
-
-
-
35 344
Employee
74 027
-
73 500
-
social contributions
24 962
-
24 785
-
regional
1 118
-
1 104
-
national
12 510
-
12 377
-
municipal
442
-
438
-
total
39 032
-
38 704
-
Employer
74 027
-
73 500
-
total
-
-
-
-
Corporate
-
73 500
-
-
nationa
-
17 640
-
-
municipal
-
3 543
-
-
total
-
21 183
-
-
Dividends
-
52 318
-
-
withholding
-
13 602
-
-
total
-
13 602
-
-
Income
73 500
73 500
73 500
73 500
Total tax
39 032
34 785
38 704
35 344
After tax
34 468
38 715
34 796
38 156
Living cost
34 997
34 997
34 997
34 997
Free-cash
-529
3 718
-201
3 159

Estimated living cost  is ₽34997 per week

₽24583
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2407
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽528
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.
₽7477
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
₽3058
₽18310
₽31640
-₽12931
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
pensions
-
-
-
3 572
income
-
-
-
16 997
other
-
-
-
318
health
-
-
-
1 872
accident
-
-
-
217
total
-
-
-
22 976
Employee
29 706
-
61 509
-
health
3 401
-
7 043
-
pensions
3 345
-
6 549
-
income
4 075
-
10 723
-
total
10 821
-
24 315
-
Employer
29 706
-
61 509
-
pensions
4 830
-
9 457
-
accident
496
-
1 027
-
unemployment
728
-
1 507
-
total
6 054
-
11 991
-
Corporate
37 740
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.

33 966
66 150
-
-
total
33 966
66 150
-
-
Dividends
3 774
7 350
-
-
withholding
717
1 397
-
-
total
717
1 397
-
-
Income
73 500
73 500
73 500
73 500
Total tax
51 558
67 547
36 306
22 976
After tax
21 942
5 953
37 194
50 524
Living cost
18 884
18 884
18 884
18 884
Free-cash
3 058
-12 931
18 310
31 640

Estimated living cost  is ₽18884 per week

₽13841
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1046
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽394
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.
₽3604
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
₽15538
₽19905
₽15219
₽4041
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
trade
-
-
-
4 686
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.

-
-
-
12 963
health

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

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

-
-
-
6 002
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.

-
-
-
714
total
-
-
-
24 365
Employee

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

43 710
-
73 500
-
health

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

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

6 002
-
6 002
-
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.

3 594
-
12 963
-
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.

198
-
714
-
total
9 794
-
19 679
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
29 790
73 500
-
-
income
4 468
11 025
-
-
trade
4 274
10 548
-
-
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.

245
607
-
-
chamber of commerce
177
242
-
-
total
9 164
22 422
-
-
Dividends
20 625
51 079
-
-
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.

265
684
-
-
withholding
4 823
12 437
-
-
total
5 088
13 121
-
-
Income
73 500
73 500
73 500
73 500
Total tax
24 046
35 543
19 679
24 365
After tax
49 454
37 957
53 821
49 135
Living cost
33 916
33 916
33 916
33 916
Free-cash
15 538
4 041
19 905
15 219

Estimated living cost  is ₽33916 per week

₽23396
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3649
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽492
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.
₽6378
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
₽33318
₽23316
₽21125
₽40523
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
income
-
-
-
10 469
microenterprise
-
-
-
-
social contributions

Each person younger than 30 on 1 July, 2001 should make pension contributions to an old-age pension account. We include it in our internal model.

-
-
-
23 630
surtax
-
-
-
-
total
-
-
-
34 099
Employee
25 670
-
59 231
-
income
4 570
-
11 124
-
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.

2 824
-
6 515
-
surtax
-
-
-
-
total
7 394
-
17 639
-
Employer
25 670
-
59 231
-
social contributions

Each person younger than 30 on 1 July, 2001 should make pension contributions to an old-age pension account. We include it in our internal model.

6 183
-
14 269
-
surtax
-
-
-
-
total
6 183
-
14 269
-
Corporate
41 647
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%.

8 329
14 701
-
-
total
8 329
14 701
-
-
Dividends

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

33 318
58 799
-
-
total
-
-
-
-
Income
73 500
73 500
73 500
73 500
Total tax
21 906
14 701
31 908
34 099
After tax
51 594
58 799
41 592
39 401
Living cost
18 276
18 276
18 276
18 276
Free-cash
33 318
40 523
23 316
21 125

Estimated living cost  is ₽18276 per week

₽11660
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1740
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽415
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.
₽4461
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
₽34005
₽30882
₽31607
₽35678
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
-
-
-
18 890
health
-
-
-
5 387
pensions
-
-
-
7 430
total
-
-
-
31 707
Employee
15 514
-
65 141
-
health
776
-
1 858
-
unemployment
155
-
372
-
pensions
1 396
-
3 344
-
income
3 001
-
18 500
-
total
5 328
-
24 074
-
Employer
15 514
-
65 141
-
health
1 474
-
3 529
-
pensions
1 707
-
4 086
-
unemployment
310
-
743
-
total
3 491
-
8 358
-
Corporate
54 495
73 500
-
-
income
11 989
16 170
-
-
total
11 989
16 170
-
-
Dividends
42 506
57 330
-
-
withholding
8 501
11 466
-
-
total
8 501
11 466
-
-
Income
73 500
73 500
73 500
73 500
Total tax
29 309
27 636
32 432
31 707
After tax
44 191
45 864
41 068
41 793
Living cost
10 186
10 186
10 186
10 186
Free-cash
34 005
35 678
30 882
31 607

Estimated living cost  is ₽10186 per week

₽6053
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽826
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽233
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.
₽3074
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
₽23705
₽18148
₽19554
₽26499
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
pensions
-
-
-
14 701
unemployment
-
-
-
200
income
-
-
-
12 748
other
-
-
-
-
health
-
-
-
5 220
surtax
-
-
-
1 345
total
-
-
-
34 214
Employee
29 585
-
60 718
-
health
755
-
1 549
-
unemployment
2 059
-
4 226
-
pensions
1 974
-
4 049
-
income
4 960
-
11 830
-
other
-
-
-
-
surtax
105
-
1 184
-
total
9 853
-
22 838
-
Employer
29 585
-
60 718
-
health
1 345
-
2 762
-
pensions
3 944
-
8 094
-
unemployment
939
-
1 926
-
other
-
-
-
-
total
6 228
-
12 782
-
Corporate
37 687
73 500
-
-
income
9 799
19 110
-
-
total
9 799
19 110
-
-
Dividends
27 888
54 390
-
-
withholding
4 183
8 159
-
-
total
4 183
8 159
-
-
Income
73 500
73 500
73 500
73 500
Total tax
30 063
27 269
35 620
34 214
After tax
43 437
46 231
37 880
39 286
Living cost
19 732
19 732
19 732
19 732
Free-cash
23 705
26 499
18 148
19 554

Estimated living cost  is ₽19732 per week

₽11913
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1715
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽458
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.
₽5646
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
₽13076
-₽3496
₽11044
₽13513
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
pensions
-
-
-
13 597
chamber of commerce
-
-
-
293
unemployment
-
-
-