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
₽ 74000
per

Your estimated
City
free-cash

Valencia , Spain
₽16809
₽16283
₽27010
₽22647
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
-
-
-
74 000
income
-
-
-
12 645
accident
-
-
-
666
unemployment
-
-
-
518
pensions
-
-
-
20 943
other
-
-
-
74
total
-
-
-
34 846
Employee
30 753
-
56 113
-
other
30
-
57
-
income
5 929
-
12 869
-
unemployment
477
-
870
-
pensions
1 446
-
2 637
-
total
7 882
-
16 433
-
Employer
30 753
-
56 113
-
unemployment
1 692
-
3 086
-
pensions
7 257
-
13 242
-
other
246
-
448
-
accident
609
-
1 111
-
total
9 804
-
17 887
-
Corporate
33 443
74 000
-
-
income

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

5 016
11 100
-
-
total
5 016
11 100
-
-
Dividends
28 427
62 900
-
-
withholding
5 780
13 019
-
-
total
5 780
13 019
-
-
Income
74 000
74 000
74 000
74 000
Total tax
28 482
24 119
34 320
34 846
After tax
45 518
49 881
39 680
39 154
Living cost
22 871
22 871
22 871
22 871
Free-cash
22 647
27 010
16 809
16 283

Estimated living cost  is ₽22871 per week

₽15437
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2199
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽401
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.
₽4834
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
₽21217
₽17910
₽32206
₽26593
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
-
-
-
74 000
income
-
-
-
9 399
health
-
-
-
3 256
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.

-
-
-
17 759
other
-
-
-
3 515
total
-
-
-
33 929
Employee
30 198
-
59 106
-
income
5 199
-
10 175
-
health
423
-
827
-
unemployment
301
-
590
-
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.

2 113
-
4 137
-
total
8 036
-
15 729
-
Employer
30 198
-
59 106
-
unemployment
301
-
590
-
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.

5 134
-
10 047
-
other
1 510
-
2 956
-
accident
241
-
473
-
health
423
-
827
-
total
7 609
-
14 893
-
Corporate
36 191
74 000
-
-
income
7 600
15 540
-
-
total
7 600
15 540
-
-
Dividends
28 592
58 460
-
-
withholding
2 001
4 093
-
-
total
2 001
4 093
-
-
Income
74 000
74 000
74 000
74 000
Total tax
25 246
19 633
30 622
33 929
After tax
48 754
54 367
43 378
40 071
Living cost
22 161
22 161
22 161
22 161
Free-cash
26 593
32 206
21 217
17 910

Estimated living cost  is ₽22161 per week

₽15658
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1496
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽357
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.
₽4650
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
₽46347
₽44228
₽52359
₽48495
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
-
-
-
74 000
income
-
-
-
11 100
health
-
-
-
3 343
unemployment
-
-
-
116
pensions

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

-
-
-
4 302
total
-
-
-
18 861
Employee
14 447
-
68 297
-
income
1 444
-
6 830
-
health
665
-
1 337
-
accident

We are using the highest rate at 1.1%.

159
-
320
-
pensions

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

1 268
-
2 552
-
total
3 536
-
11 039
-
Employer
14 447
-
68 297
-
unemployment
86
-
174
-
pensions

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

1 592
-
3 203
-
accident

We are using the highest rate at 1.1%.

159
-
320
-
health
997
-
2 006
-
total
2 834
-
5 703
-
Corporate
56 718
74 000
-
-
income
5 672
7 400
-
-
total
5 672
7 400
-
-
Dividends
51 046
66 600
-
-
withholding
2 552
3 330
-
-
total
2 552
3 330
-
-
Income
74 000
74 000
74 000
74 000
Total tax
14 594
10 730
16 742
18 861
After tax
59 406
63 270
57 258
55 139
Living cost
10 911
10 911
10 911
10 911
Free-cash
48 495
52 359
46 347
44 228

Estimated living cost  is ₽10911 per week

₽6370
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽779
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽289
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.
₽3473
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
₽14292
₽14420
₽8840
₽13754
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
-
-
-
74 000
income
-
-
-
5 749
social contributions
-
-
-
2 109
health
-
-
-
866
surtax
-
-
-
-
pensions
-
-
-
20 106
other
-
-
-
2 295
total
-
-
-
31 125
Employee
35 595
-
56 389
-
income
2 101
-
5 659
-
social contributions
1 015
-
1 607
-
surtax
-
-
-
-
pensions
4 025
-
6 376
-
total
7 141
-
13 642
-
Employer
35 595
-
56 389
-
unemployment
1 441
-
2 284
-
social contributions
107
-
169
-
pensions
5 848
-
9 265
-
other
1 228
-
1 946
-
health
2 492
-
3 947
-
total
11 116
-
17 611
-
Corporate
27 289
74 000
-
-
income
7 641
20 720
-
-
surtax
-
-
-
-
total
7 641
20 720
-
-
Dividends
19 648
53 280
-
-
withholding
2 514
6 820
-
-
surtax
-
-
-
-
social contributions
3 379
9 165
-
-
total
5 893
15 985
-
-
Income
74 000
74 000
74 000
74 000
Total tax
31 791
36 705
31 253
31 125
After tax
42 209
37 295
42 747
42 875
Living cost
28 455
28 455
28 455
28 455
Free-cash
13 754
8 840
14 292
14 420

Estimated living cost  is ₽28455 per week

₽17942
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2314
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽485
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.
₽7716
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
-₽8588
₽7215
-₽3920
-₽8588
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
-
-
-
74 000
income
-
-
-
12 759
health
-
-
-
9 441
pensions
-
-
-
9 744
total
-
-
-
31 944
Employee
71 024
71 024
71 024
-
income

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

11 625
11 625
11 625
-
health
10 901
9 273
10 901
-
pensions
12 784
9 744
12 784
-
total
35 310
30 642
35 310
-
Employer
71 024
71 024
71 024
-
unemployment
2 557
2 557
2 557
-
pensions
4 943
4 943
4 943
-
health
4 937
4 937
4 937
-
total
12 437
12 437
12 437
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Income
74 000
74 000
74 000
74 000
Total tax
47 747
43 079
47 747
31 944
After tax
26 253
30 921
26 253
42 056
Living cost
34 841
34 841
34 841
34 841
Free-cash
-8 588
-3 920
-8 588
7 215

Estimated living cost  is ₽34841 per week

₽24691
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3141
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.
₽6455
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
₽28506
₽22941
₽12250
₽21448
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.

-
-
-
74 000
income

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

-
-
-
13 859
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.

-
-
-
5 682
trade
-
-
-
5 565
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.

-
-
-
762
total
-
-
-
25 868
Employee

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

31 811
-
74 000
-
income

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

889
-
13 859
-
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.

5 682
-
5 682
-
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
-
762
-
total
6 620
-
20 303
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
42 189
74 000
-
-
chamber of commerce
186
232
-
-
income
6 329
11 100
-
-
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.

349
611
-
-
trade
6 645
11 656
-
-
total
13 509
23 599
-
-
Dividends
28 680
50 401
-
-
withholding
6 855
12 284
-
-
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.

377
676
-
-
total
7 232
12 960
-
-
Income
74 000
74 000
74 000
74 000
Total tax
27 361
36 559
20 303
25 868
After tax
46 639
37 441
53 697
48 132
Living cost
25 191
25 191
25 191
25 191
Free-cash
21 448
12 250
28 506
22 941

Estimated living cost  is ₽25191 per week

₽15846
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2937
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽470
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.
₽5938
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
₽34416
₽34489
₽34963
₽30439
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
-
-
-
74 000
income
-
-
-
6 823
social contributions
-
-
-
11 544
health
-
-
-
1 888
total
-
-
-
20 255
Employee
63 954
63 954
67 182
-
income
6 963
5 920
6 791
-
social contributions
2 418
5 308
5 576
-
health
496
1 087
1 143
-
total
9 877
12 315
13 510
-
Employer
63 954
63 954
67 182
-
social contributions
2 418
5 308
5 576
-
health
538
1 184
1 242
-
total
2 956
6 492
6 818
-
Corporate
41 911
3 555
-
-
income
5 238
445
-
-
total
5 238
445
-
-
Dividends
36 672
3 110
-
-
withholding
6 234
529
-
-
total
6 234
529
-
-
Income
74 000
74 000
74 000
74 000
Total tax
24 305
19 781
20 328
20 255
After tax
49 695
54 219
53 672
53 745
Living cost
19 256
19 256
19 256
19 256
Free-cash
30 439
34 963
34 416
34 489

Estimated living cost  is ₽19256 per week

₽11541
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1889
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽426
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.
₽5401
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
₽12189
₽15588
₽16003
₽15165
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.

-
-
-
74 000
income
-
-
-
6 609
social contributions

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

-
-
-
25 715
surtax
-
-
-
-
total
-
-
-
32 324
Employee
38 252
-
59 798
-
income
7 956
-
14 943
-
social contributions
4 208
-
6 578
-
surtax
-
-
-
-
total
12 164
-
21 521
-
Employer
38 252
-
59 798
-
social contributions
9 085
-
14 202
-
total
9 085
-
14 202
-
Corporate
26 664
74 000
-
-
income
5 600
15 540
-
-
surtax
-
-
-
-
total
5 600
15 540
-
-
Dividends
21 064
58 460
-
-
withholding
5 898
16 369
-
-
total
5 898
16 369
-
-
Income
74 000
74 000
74 000
74 000
Total tax
32 747
31 909
35 723
32 324
After tax
41 253
42 091
38 277
41 676
Living cost
26 088
26 088
26 088
26 088
Free-cash
15 165
16 003
12 189
15 588

Estimated living cost  is ₽26088 per week

₽19519
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1539
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.
₽4594
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
₽52982
₽67042
₽64082
₽62916
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%.

-
-
-
74 000
microenterprise

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

-
-
-
740
total
-
-
-
740
Employee
7 773
-
74 000
-
income
1 554
-
14 800
-
total
1 554
-
14 800
-
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%.

66 227
74 000
-
-
total
-
-
-
-
Dividends
66 227
74 000
-
-
withholding
3 312
3 700
-
-
total
3 312
3 700
-
-
Income
74 000
74 000
74 000
74 000
Total tax
4 866
3 700
14 800
740
After tax
69 134
70 300
59 200
73 260
Living cost
6 218
6 218
6 218
6 218
Free-cash
62 916
64 082
52 982
67 042

Estimated living cost  is ₽6218 per week

₽3854
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽517
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽171
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽1677
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
₽14260
₽16380
₽28640
₽21684
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.

-
-
-
74 000
income
-
-
-
14 406
health
-
-
-
7 281
unemployment
-
-
-
110
pensions
-
-
-
13 515
total
-
-
-
35 312
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.

36 778
-
64 031
-
income
6 342
-
13 312
-
health
2 375
-
4 137
-
unemployment
52
-
90
-
pensions
5 701
-
9 924
-
total
14 470
-
27 463
-
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.

36 778
-
64 031
-
unemployment
22
-
38
-
pensions
3 254
-
5 666
-
health
2 450
-
4 265
-
total
5 726
-
9 969
-
Corporate
31 496
74 000
-
-
income
5 985
14 060
-
-
total
5 985
14 060
-
-
Dividends
25 511
59 940
-
-
withholding
3 827
8 992
-
-
total
3 827
8 992
-
-
Income
74 000
74 000
74 000
74 000
Total tax
30 008
23 052
37 432
35 312
After tax
43 992
50 948
36 568
38 688
Living cost
22 308
22 308
22 308
22 308
Free-cash
21 684
28 640
14 260
16 380

Estimated living cost  is ₽22308 per week

₽15310
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1430
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.
₽5137
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
₽24014
₽14675
₽13515
₽17692
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.

-
-
-
74 000
income
-
-
-
23 675
health

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

-
-
-
5 459
total
-
-
-
29 134
Employee
38 153
-
70 174
-
social contributions
3 823
-
3 826
-
income
4 140
-
12 143
-
total
7 963
-
15 969
-
Employer
38 153
-
70 174
-
social contributions
3 823
-
3 826
-
total
3 823
-
3 826
-
Corporate
32 024
74 000
-
-
income
11 209
25 900
-
-
total
11 209
25 900
-
-
Dividends
20 815
48 100
-
-
social contributions
3 122
4 394
-
-
total
3 122
4 394
-
-
Income
74 000
74 000
74 000
74 000
Total tax
26 117
30 294
19 795
29 134
After tax
47 883
43 706
54 205
44 866
Living cost
30 191
30 191
30 191
30 191
Free-cash
17 692
13 515
24 014
14 675

Estimated living cost  is ₽30191 per week

₽19887
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2380
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽462
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.
₽7461
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
₽30490
₽29886
₽27510
₽27944
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
-
-
-
74 000
income
-
-
-
11 100
social contributions
-
-
-
10 212
health
-
-
-
5 166
total
-
-
-
26 478
Employee
28 199
-
74 000
-
income
4 703
-
10 496
-
social contributions
3 892
-
10 212
-
health
1 968
-
5 166
-
total
10 563
-
25 874
-
Employer
28 199
-
74 000
-
total
-
-
-
-
Corporate
45 801
74 000
-
-
income

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

2 290
3 700
-
-
total
2 290
3 700
-
-
Dividends
43 510
70 300
-
-
withholding
6 526
10 545
-
-
health
3 037
4 907
-
-
social contributions
6 004
9 702
-
-
total
15 567
25 154
-
-
Income
74 000
74 000
74 000
74 000
Total tax
28 420
28 854
25 874
26 478
After tax
45 580
45 146
48 126
47 522
Living cost
17 636
17 636
17 636
17 636
Free-cash
27 944
27 510
30 490
29 886

Estimated living cost  is ₽17636 per week

₽11803
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1087
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽406
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.
₽4339
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
₽14748
₽13238
₽28145
₽20010
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
-
-
-
74 000
income
-
-
-
6 360
social contributions
-
-
-
21 608
solidarity contribution
-
-
-
-
health
-
-
-
9 990
total
-
-
-
37 958
Employee
33 535
-
55 224
-
solidarity contribution
-
-
-
-
income
4 024
-
6 627
-
social contributions
2 180
-
3 590
-
health
4 527
-
7 455
-
total
10 731
-
17 672
-
Employer
33 535
-
55 224
-
social contributions
8 384
-
13 806
-
health
3 018
-
4 970
-
total
11 402
-
18 776
-
Corporate
29 063
74 000
-
-
income
5 522
14 060
-
-
total
5 522
14 060
-
-
Dividends
23 541
59 940
-
-
withholding
3 531
8 991
-
-
total
3 531
8 991
-
-
Income
74 000
74 000
74 000
74 000
Total tax
31 186
23 051
36 448
37 958
After tax
42 814
50 949
37 552
36 042
Living cost
22 804
22 804
22 804
22 804
Free-cash
20 010
28 145
14 748
13 238

Estimated living cost  is ₽22804 per week

₽16958
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1263
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.
₽4188
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
₽49510
₽63570
₽60610
₽58793
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%.

-
-
-
74 000
microenterprise

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

-
-
-
740
total
-
-
-
740
Employee
12 113
-
74 000
-
income
2 423
-
14 800
-
total
2 423
-
14 800
-
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%.

61 887
74 000
-
-
total
-
-
-
-
Dividends
61 887
74 000
-
-
withholding
3 094
3 700
-
-
total
3 094
3 700
-
-
Income
74 000
74 000
74 000
74 000
Total tax
5 517
3 700
14 800
740
After tax
68 483
70 300
59 200
73 260
Living cost
9 690
9 690
9 690
9 690
Free-cash
58 793
60 610
49 510
63 570

Estimated living cost  is ₽9690 per week

₽6557
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽407
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽325
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.
₽2401
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
₽2577
₽2705
-₽2875
₽2842
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
-
-
-
74 000
income
-
-
-
5 749
social contributions
-
-
-
2 109
health
-
-
-
866
surtax
-
-
-
-
pensions
-
-
-
20 106
other
-
-
-
2 295
total
-
-
-
31 125
Employee
52 091
-
56 389
-
income
4 545
-
5 659
-
social contributions
1 484
-
1 607
-
surtax
-
-
-
-
pensions
5 892
-
6 376
-
total
11 921
-
13 642
-
Employer
52 091
-
56 389
-
unemployment
2 110
-
2 284
-
social contributions
156
-
169
-
pensions
8 559
-
9 265
-
other
1 798
-
1 946
-
health
3 646
-
3 947
-
total
16 269
-
17 611
-
Corporate
5 640
74 000
-
-
income
1 580
20 720
-
-
surtax
-
-
-
-
total
1 580
20 720
-
-
Dividends
4 060
53 280
-
-
withholding
519
6 820
-
-
surtax
-
-
-
-
social contributions
699
9 165
-
-
total
1 218
15 985
-
-
Income
74 000
74 000
74 000
74 000
Total tax
30 988
36 705
31 253
31 125
After tax
43 012
37 295
42 747
42 875
Living cost
40 170
40 170
40 170
40 170
Free-cash
2 842
-2 875
2 577
2 705

Estimated living cost  is ₽40170 per week

₽27186
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3286
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽551
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.
₽9146
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
₽23739
₽23737
₽39130
₽35052
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.

-
-
-
74 000
income
-
-
-
12 771
health
-
-
-
6 310
unemployment
-
-
-
919
pensions
-
-
-
15 928
total
-
-
-
35 928
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.

21 617
-
63 034
-
income
2 980
-
12 771
-
health
1 113
-
3 155
-
unemployment
162
-
459
-
pensions
3 026
-
8 576
-
total
7 281
-
24 961
-
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.

21 617
-
63 034
-
unemployment
162
-
459
-
pensions
2 594
-
7 351
-
health
1 113
-
3 155
-
total
3 869
-
10 965
-
Corporate
48 514
74 000
-
-
income
7 277
11 100
-
-
total
7 277
11 100
-
-
Dividends
41 237
62 900
-
-
withholding
6 186
9 435
-
-
total
6 186
9 435
-
-
Income
74 000
74 000
74 000
74 000
Total tax
24 613
20 535
35 926
35 928
After tax
49 387
53 465
38 074
38 072
Living cost
14 335
14 335
14 335
14 335
Free-cash
35 052
39 130
23 739
23 737

Estimated living cost  is ₽14335 per week

₽9652
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1109
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.
₽3160
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
₽37
₽3776
-₽24223
-₽421
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
-
-
-
74 000
regional
-
-
-
2 480
national
-
-
-
425
health
-
-
-
189
city
-
-
-
780
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.

-
-
-
1 479
pensions
-
-
-
6 809
total
-
-
-
12 162
Employee
67 947
-
66 234
-
regional
2 225
-
2 132
-
city
729
-
711
-
health
154
-
149
-
unemployment
-
-
-
-
national
322
-
308
-
pensions
5 708
-
5 564
-
total
9 138
-
8 864
-
Employer
67 947
-
66 234
-
unemployment
-
-
-
-
pensions
5 708
-
5 564
-
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.

1 359
-
1 324
-
health
154
-
149
-
total
7 221
-
7 037
-
Corporate
-
74 000
-
-
regional
-
15 651
-
-
national
-
6 290
-
-
total
-
21 941
-
-
Dividends
-
52 059
-
-
withholding
-
18 220
-
-
total
-
18 220
-
-
Income
74 000
74 000
74 000
74 000
Total tax
16 359
40 161
15 901
12 162
After tax
57 641
33 839
58 099
61 838
Living cost
58 062
58 062
58 062
58 062
Free-cash
-421
-24 223
37
3 776

Estimated living cost  is ₽58062 per week

₽37757
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5210
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽713
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.
₽14382
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
₽11012
₽21644
₽17971
₽15214
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

-
-
-
74 000
municipal
-
-
-
13 177
national
-
-
-
6 456
health
-
-
-
792
total
-
-
-
20 425
Employee
43 757
-
62 254
-
health
327
-
611
-
unemployment
657
-
934
-
national
723
-
3 393
-
municipal
7 167
-
10 172
-
pensions
2 953
-
4 201
-
total
11 827
-
19 311
-
Employer
43 757
-
62 254
-
unemployment
284
-
404
-
pensions
7 592
-
10 800
-
accident
44
-
62
-
health
336
-
480
-
total
8 256
-
11 746
-
Corporate
21 987
74 000
-
-
income
4 397
14 800
-
-
total
4 397
14 800
-
-
Dividends

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

13 192
44 400
-
-
national
-
1 305
-
-
municipal
2 375
7 993
-
-
total
2 375
9 298
-
-
Income
74 000
74 000
74 000
74 000
Total tax
26 855
24 098
31 057
20 425
After tax
47 145
49 902
42 943
53 575
Living cost
31 931
31 931
31 931
31 931
Free-cash
15 214
17 971
11 012
21 644

Estimated living cost  is ₽31931 per week

₽20857
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3071
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽508
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.
₽7495
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
-₽926
₽5505
₽11210
-₽2811
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
-
-
-
74 000
national
-
-
-
23 345
social contributions
-
-
-
11 048
communal

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

-
-
-
3 777
total
-
-
-
38 170
Employee

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

59 492
-
57 316
-
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.

2 795
-
2 694
-
communal

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

3 103
-
2 989
-
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.

518
-
499
-
national
18 290
-
17 438
-
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.

4 462
-
4 299
-
total
29 168
-
27 919
-
Employer

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

59 492
-
57 316
-
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.

868
-
837
-
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.

5 272
-
5 077
-
surtax
6 746
-
6 499
-
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.

773
-
745
-
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.

3 659
-
3 524
-
total
17 318
-
16 682
-
Corporate
-
74 000
-
-
income
-
14 800
-
-
surtax
-
297
-
-
total
-
15 097
-
-
Dividends
-
58 904
-
-
withholding

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

-
17 368
-
-
total
-
17 368
-
-
Income
74 000
74 000
74 000
74 000
Total tax
46 486
32 465
44 601
38 170
After tax
27 514
41 535
29 399
35 830
Living cost
30 325
30 325
30 325
30 325
Free-cash
-2 811
11 210
-926
5 505

Estimated living cost  is ₽30325 per week

₽19533
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2652
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽475
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.
₽7666
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
₽5133
₽2505
₽6021
₽5249
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
-
-
-
74 000
municipal
-
-
-
15 674
national
-
-
-
-
health
-
-
-
4 618
accident
-
-
-
148
unemployment
-
-
-
74
pensions
-
-
-
7 999
other
-
-
-
8 599
total
-
-
-
37 112
Employee
48 993
-
56 308
-
national
-
-
-
-
municipal
14 610
-
16 791
-
total
14 610
-
16 791
-
Employer
48 993
-
56 308
-
unemployment
1 293
-
1 487
-
pensions
5 296
-
6 087
-
other
5 693
-
6 543
-
accident
98
-
113
-
health
3 013
-
3 463
-
total
15 393
-
17 693
-
Corporate
9 614
74 000
-
-
income
2 115
16 280
-
-
total
2 115
16 280
-
-
Dividends
7 499
57 720
-
-
withholding
2 250
17 316
-
-
total
2 250
17 316
-
-
Income
74 000
74 000
74 000
74 000
Total tax
34 368
33 596
34 484
37 112
After tax
39 632
40 404
39 516
36 888
Living cost
34 383
34 383
34 383
34 383
Free-cash
5 249
6 021
5 133
2 505

Estimated living cost  is ₽34383 per week

₽22788
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3374
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽522
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.
₽7699
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
₽24348
₽13090
₽6972
-₽57487
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
-
-
-
74 000
income
-
-
-
14 424
social contributions
-
-
-
8 436
total
-
-
-
22 860
Employee
54 559
-
-
-
income
12 035
-
-
-
social contributions
4 474
-
638
-
total
16 509
-
638
-
Employer
54 559
-
-
-
social contributions
76 928
-
10 964
-
total
76 928
-
10 964
-
Corporate
-
74 000
-
-
income
-
16 280
-
-
total
-
16 280
-
-
Dividends
-
57 720
-
-
income
-
12 698
-
-
total
-
12 698
-
-
Income
74 000
74 000
74 000
74 000
Total tax
93 437
28 978
11 602
22 860
After tax
-19 437
45 022
62 398
51 140
Living cost
38 050
38 050
38 050
38 050
Free-cash
-57 487
6 972
24 348
13 090

Estimated living cost  is ₽38050 per week

₽24689
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3579
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽485
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.
₽9298
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
₽26696
₽26769
₽27243
₽23793
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
-
-
-
74 000
income
-
-
-
6 823
social contributions
-
-
-
11 544
health
-
-
-
1 888
total
-
-
-
20 255
Employee
63 954
63 954
67 182
-
income
6 716
5 920
6 791
-
social contributions
3 108
5 308
5 576
-
health
636
1 087
1 143
-
total
10 460
12 315
13 510
-
Employer
63 954
63 954
67 182
-
social contributions
3 108
5 308
5 576
-
health
693
1 184
1 242
-
total
3 801
6 492
6 818
-
Corporate
32 764
3 555
-
-
income
4 096
445
-
-
total
4 096
445
-
-
Dividends
28 668
3 110
-
-
withholding
4 874
529
-
-
total
4 874
529
-
-
Income
74 000
74 000
74 000
74 000
Total tax
23 231
19 781
20 328
20 255
After tax
50 769
54 219
53 672
53 745
Living cost
26 976
26 976
26 976
26 976
Free-cash
23 793
27 243
26 696
26 769

Estimated living cost  is ₽26976 per week

₽18441
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2107
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽453
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.
₽5975
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
₽16472
₽24498
₽25341
₽20768
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
-
-
-
74 000
income
-
-
-
14 092
pensions
-
-
-
5 306
total
-
-
-
19 398
Employee
41 322
-
65 279
-
income
7 525
-
11 645
-
health
539
-
1 030
-
pensions
3 154
-
6 029
-
total
11 218
-
18 704
-
Employer
41 322
-
65 279
-
pensions
4 175
-
7 480
-
health
785
-
1 240
-
total
4 960
-
8 720
-
Corporate
27 718
74 000
-
-
income

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

5 267
14 059
-
-
total
5 267
14 059
-
-
Dividends
22 451
59 941
-
-
withholding
1 683
4 496
-
-
total
1 683
4 496
-
-
Income
74 000
74 000
74 000
74 000
Total tax
23 128
18 555
27 424
19 398
After tax
50 872
55 445
46 576
54 602
Living cost
30 104
30 104
30 104
30 104
Free-cash
20 768
25 341
16 472
24 498

Estimated living cost  is ₽30104 per week

₽20651
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2768
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.
₽6306
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
₽1481
₽4868
₽5844
₽2063
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
-
-
-
74 000
municipal
-
-
-
494
regional
-
-
-
1 393
national
-
-
-
15 079
social contributions
-
-
-
19 033
total
-
-
-
35 999
Employee
70 084
-
74 000
-
regional
1 058
-
1 161
-
social contributions
23 632
-
24 953
-
national
11 844
-
12 830
-
municipal
418
-
442
-
total
36 952
-
39 386
-
Employer
70 084
-
74 000
-
total
-
-
-
-
Corporate
3 916
74 000
-
-
nationa
939
17 761
-
-
municipal
189
3 567
-
-
total
1 128
21 328
-
-
Dividends
2 787
52 672
-
-
withholding
724
13 695
-
-
total
724
13 695
-
-
Income
74 000
74 000
74 000
74 000
Total tax
38 804
35 023
39 386
35 999
After tax
35 196
38 977
34 614
38 001
Living cost
33 133
33 133
33 133
33 133
Free-cash
2 063
5 844
1 481
4 868

Estimated living cost  is ₽33133 per week

₽23274
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2279
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽500
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.
₽7079
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
₽20548
₽33459
-₽11369
₽3332
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
-
-
-
74 000
income
-
-
-
17 682
health
-
-
-
1 721
accident
-
-
-
199
pensions
-
-
-
3 284
other
-
-
-
292
total
-
-
-
23 178
Employee
27 313
-
62 721
-
income
3 747
-
11 607
-
health
3 127
-
7 181
-
pensions
3 075
-
6 021
-
total
9 949
-
24 809
-
Employer
27 313
-
62 721
-
unemployment
669
-
1 537
-
pensions
4 441
-
8 695
-
accident
456
-
1 048
-
total
5 566
-
11 280
-
Corporate
41 121
74 000
-
-
income

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

37 009
66 600
-
-
total
37 009
66 600
-
-
Dividends
4 112
7 400
-
-
withholding
781
1 406
-
-
total
781
1 406
-
-
Income
74 000
74 000
74 000
74 000
Total tax
53 305
68 006
36 089
23 178
After tax
20 695
5 994
37 911
50 822
Living cost
17 363
17 363
17 363
17 363
Free-cash
3 332
-11 369
20 548
33 459

Estimated living cost  is ₽17363 per week

₽12726
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽962
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽362
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.
₽3313
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
₽21587
₽16517
₽6092
₽16972
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.

-
-
-
74 000
income

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

-
-
-
13 859
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.

-
-
-
5 682
trade
-
-
-
5 070
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.

-
-
-
762
total
-
-
-
25 373
Employee

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

41 382
-
74 000
-
income

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

3 403
-
13 859
-
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.

5 682
-
5 682
-
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.

188
-
762
-
total
9 273
-
20 303
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
32 618
74 000
-
-
chamber of commerce
174
235
-
-
income
4 893
11 100
-
-
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.

268
611
-
-
trade
4 681
10 619
-
-
total
10 016
22 565
-
-
Dividends
22 602
51 435
-
-
withholding
5 335
12 543
-
-
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.

294
690
-
-
total
5 629
13 233
-
-
Income
74 000
74 000
74 000
74 000
Total tax
24 918
35 798
20 303
25 373
After tax
49 082
38 202
53 697
48 627
Living cost
32 110
32 110
32 110
32 110
Free-cash
16 972
6 092
21 587
16 517

Estimated living cost  is ₽32110 per week

₽22150
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3455
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽466
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.
₽6039
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
₽24513
₽22305
₽41897
₽35074
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.

-
-
-
74 000
microenterprise
-
-
-
-
income
-
-
-
10 601
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.

-
-
-
23 791
surtax
-
-
-
-
total
-
-
-
34 392
Employee
24 303
-
59 634
-
income
4 326
-
11 259
-
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.

2 674
-
6 559
-
surtax
-
-
-
-
total
7 000
-
17 818
-
Employer
24 303
-
59 634
-
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.

5 854
-
14 366
-
surtax
-
-
-
-
total
5 854
-
14 366
-
Corporate
43 843
74 000
-
-
income

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

8 769
14 800
-
-
total
8 769
14 800
-
-
Dividends

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

35 074
59 200
-
-
total
-
-
-
-
Income
74 000
74 000
74 000
74 000
Total tax
21 623
14 800
32 184
34 392
After tax
52 377
59 200
41 816
39 608
Living cost
17 303
17 303
17 303
17 303
Free-cash
35 074
41 897
24 513
22 305

Estimated living cost  is ₽17303 per week

₽11039
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1648
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽393
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.
₽4224
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
₽30282
₽31046
₽35432
₽33666
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
-
-
-
74 000
income
-
-
-
18 691
health
-
-
-
5 682
pensions
-
-
-
7 837
total
-
-
-
32 210
Employee
16 364
-
65 183
-
income
3 166
-
18 279
-
health
818
-
1 959
-
unemployment
164
-
392
-
pensions
1 473
-
3 527
-
total
5 621
-
24 157
-
Employer
16 364
-
65 183
-
unemployment
327
-
784
-
pensions
1 800
-
4 310
-
health
1 555
-
3 723
-
total
3 682
-
8 817
-
Corporate
53 953
74 000
-
-
income
11 870
16 280
-
-
total
11 870
16 280
-
-
Dividends
42 084
57 720
-
-
withholding
8 417
11 544
-
-
total
8 417
11 544
-
-
Income
74 000
74 000
74 000
74 000
Total tax
29 590
27 824
32 974
32 210
After tax
44 410
46 176
41 026
41 790
Living cost
10 744
10 744
10 744
10 744
Free-cash
33 666
35 432
30 282
31 046

Estimated living cost  is ₽10744 per week

₽6385
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽871
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽246
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.
₽3242
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
₽18911
₽20331
₽27866
₽25219
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
-
-
-
74 000
income
-
-
-
13 261
health
-
-
-
5 254
unemployment
-
-
-
189
surtax
-
-
-
1 484
pensions
-
-
-
14 800
other
-
-
-
-
total
-
-
-
34 988
Employee
28 009
-
61 131
-
other
-
-
-
-
income
4 695
-
12 330
-
health
715
-
1 559
-
unemployment
1 949
-
4 255
-
surtax
99
-
1 319
-
pensions
1 869
-
4 077
-
total
9 327
-
23 540
-
Employer
28 009
-
61 131
-
unemployment
889
-
1 938
-
pensions
3 734
-
8 149
-
other
-
-
-
-
health
1 274
-
2 781
-
total
5 897
-
12 868
-
Corporate
40 095
74 000
-
-
income
10 425
19 240
-
-
total
10 425
19 240
-
-
Dividends
29 670
54 760
-
-
withholding
4 451
8 213
-
-
total
4 451
8 213
-
-
Income
74 000
74 000
74 000
74 000
Total tax
30 100
27 453
36 408
34 988
After tax
43 900
46 547
37 592
39 012
Living cost
18 681
18 681
18 681
18 681
Free-cash
25 219
27 866
18 911
20 331

Estimated living cost  is ₽18681 per week

₽11279
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1624
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽434
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5346
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
-₽2345
₽11850
₽15195
₽14779
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
-
-
-
74 000
income
-
-
-
10 867
chamber of commerce
-
-
-
297
health
-
-
-