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
₽23369
₽17342
₽16816
₽27615
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
unemployment
-
-
-
518
income
-
-
-
12 722
other
-
-
-
74
accident
-
-
-
667
pensions
-
-
-
20 943
total
-
-
-
34 924
Employee
29 932
-
56 113
-
unemployment
464
-
869
-
pensions
1 407
-
2 638
-
income
5 771
-
12 946
-
other
29
-
57
-
total
7 671
-
16 510
-
Employer
29 932
-
56 113
-
pensions
7 063
-
13 242
-
accident
593
-
1 111
-
unemployment
1 647
-
3 086
-
other
240
-
449
-
total
9 543
-
17 888
-
Corporate
34 525
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.

5 178
11 100
-
-
total
5 178
11 100
-
-
Dividends
29 347
62 900
-
-
withholding
5 979
13 025
-
-
total
5 979
13 025
-
-
Income
74 000
74 000
74 000
74 000
Total tax
28 371
24 125
34 398
34 924
After tax
45 629
49 875
39 602
39 076
Living cost
22 260
22 260
22 260
22 260
Free-cash
23 369
27 615
17 342
16 816

Estimated living cost  is ₽22260 per week

₽15025
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2140
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.
₽4705
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
₽27333
₽21805
₽18500
₽32798
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
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.

-
-
-
17 760
income
-
-
-
9 398
other
-
-
-
3 515
health
-
-
-
3 257
total
-
-
-
33 930
Employee
29 392
-
59 104
-
health
412
-
828
-
unemployment
293
-
591
-
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.

2 057
-
4 137
-
income
5 060
-
10 174
-
total
7 822
-
15 730
-
Employer
29 392
-
59 104
-
health
412
-
828
-
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.

4 997
-
10 047
-
accident
235
-
473
-
unemployment
293
-
591
-
other
1 470
-
2 956
-
total
7 407
-
14 895
-
Corporate
37 200
74 000
-
-
income
7 811
15 540
-
-
total
7 811
15 540
-
-
Dividends
29 389
58 460
-
-
withholding
2 057
4 092
-
-
total
2 057
4 092
-
-
Income
74 000
74 000
74 000
74 000
Total tax
25 097
19 632
30 625
33 930
After tax
48 903
54 368
43 375
40 070
Living cost
21 570
21 570
21 570
21 570
Free-cash
27 333
32 798
21 805
18 500

Estimated living cost  is ₽21570 per week

₽15240
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1456
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽347
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.
₽4526
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
₽48893
₽46894
₽44732
₽52654
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
pensions

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

-
-
-
4 186
unemployment
-
-
-
113
income
-
-
-
11 100
health
-
-
-
3 253
total
-
-
-
18 652
Employee
14 057
-
68 451
-
health
647
-
1 301
-
accident

We are using the highest rate at 1.1%.

155
-
311
-
pensions

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

1 234
-
2 483
-
income
1 405
-
6 845
-
total
3 441
-
10 940
-
Employer
14 057
-
68 451
-
health
970
-
1 952
-
pensions

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

1 549
-
3 117
-
accident

We are using the highest rate at 1.1%.

155
-
311
-
unemployment
84
-
170
-
total
2 758
-
5 550
-
Corporate
57 184
74 000
-
-
income
5 719
7 400
-
-
total
5 719
7 400
-
-
Dividends
51 466
66 600
-
-
withholding
2 573
3 330
-
-
total
2 573
3 330
-
-
Income
74 000
74 000
74 000
74 000
Total tax
14 491
10 730
16 490
18 652
After tax
59 509
63 270
57 510
55 348
Living cost
10 616
10 616
10 616
10 616
Free-cash
48 893
52 654
46 894
44 732

Estimated living cost  is ₽10616 per week

₽6198
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽758
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽281
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.
₽3379
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
₽14381
₽14820
₽15115
₽9602
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
-
-
-
6 064
other
-
-
-
2 295
health
-
-
-
988
social contributions
-
-
-
2 109
pensions
-
-
-
19 733
surtax
-
-
-
-
total
-
-
-
31 189
Employee
34 645
-
56 385
-
pensions
3 917
-
6 378
-
income
2 045
-
5 895
-
social contributions
988
-
1 605
-
surtax
-
-
-
-
total
6 950
-
13 878
-
Employer
34 645
-
56 385
-
health
2 426
-
3 946
-
social contributions
104
-
169
-
pensions
5 692
-
9 262
-
unemployment
1 403
-
2 284
-
other
1 195
-
1 945
-
total
10 820
-
17 606
-
Corporate
28 535
74 000
-
-
income
7 990
20 720
-
-
surtax
-
-
-
-
total
7 990
20 720
-
-
Dividends
20 546
53 280
-
-
social contributions
3 533
9 163
-
-
surtax
-
-
-
-
withholding
2 630
6 819
-
-
total
6 163
15 982
-
-
Income
74 000
74 000
74 000
74 000
Total tax
31 923
36 702
31 484
31 189
After tax
42 077
37 298
42 516
42 811
Living cost
27 696
27 696
27 696
27 696
Free-cash
14 381
9 602
14 820
15 115

Estimated living cost  is ₽27696 per week

₽17463
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2252
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽472
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.
₽7510
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
-₽6384
-₽6384
₽8131
-₽1840
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
pensions
-
-
-
9 484
income
-
-
-
13 171
health
-
-
-
9 303
total
-
-
-
31 958
Employee
69 128
69 128
69 128
-
health
10 610
9 025
10 610
-
pensions
12 443
9 484
12 443
-
income

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

11 315
11 315
11 315
-
total
34 368
29 824
34 368
-
Employer
69 128
69 128
69 128
-
health
4 805
4 805
4 805
-
pensions
4 811
4 811
4 811
-
unemployment
2 489
2 489
2 489
-
total
12 105
12 105
12 105
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
74 000
74 000
74 000
74 000
Total tax
46 473
41 929
46 473
31 958
After tax
27 527
32 071
27 527
42 042
Living cost
33 911
33 911
33 911
33 911
Free-cash
-6 384
-1 840
-6 384
8 131

Estimated living cost  is ₽33911 per week

₽24032
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3057
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽539
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.
₽6283
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
₽21871
₽28953
₽23226
₽12917
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
trade
-
-
-
5 727
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.

-
-
-
14 216
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.

-
-
-
5 530
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.

-
-
-
782
total
-
-
-
26 255
Employee

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

30 962
-
74 000
-
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.

5 530
-
5 530
-
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.

865
-
14 216
-
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.

48
-
782
-
total
6 443
-
20 528
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
43 038
74 000
-
-
income
6 455
11 100
-
-
trade
6 779
11 655
-
-
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
610
-
-
chamber of commerce
184
229
-
-
total
13 773
23 594
-
-
Dividends
29 265
50 406
-
-
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.

386
676
-
-
withholding
7 008
12 294
-
-
total
7 394
12 970
-
-
Income
74 000
74 000
74 000
74 000
Total tax
27 610
36 564
20 528
26 255
After tax
46 390
37 436
53 472
47 745
Living cost
24 519
24 519
24 519
24 519
Free-cash
21 871
12 917
28 953
23 226

Estimated living cost  is ₽24519 per week

₽15423
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2859
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.
₽5779
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
₽31061
₽34628
₽34702
₽35467
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
-
-
-
7 126
health
-
-
-
1 886
social contributions
-
-
-
11 544
total
-
-
-
20 556
Employee
62 247
62 247
67 181
-
health
482
1 058
1 141
-
income
6 778
5 762
7 094
-
social contributions
2 353
5 166
5 576
-
total
9 613
11 986
13 811
-
Employer
62 247
62 247
67 181
-
health
524
1 152
1 243
-
social contributions
2 353
5 166
5 576
-
total
2 877
6 318
6 819
-
Corporate
42 767
5 435
-
-
income
5 346
679
-
-
total
5 346
679
-
-
Dividends
37 421
4 756
-
-
withholding
6 361
808
-
-
total
6 361
808
-
-
Income
74 000
74 000
74 000
74 000
Total tax
24 197
19 791
20 630
20 556
After tax
49 803
54 209
53 370
53 444
Living cost
18 742
18 742
18 742
18 742
Free-cash
31 061
35 467
34 628
34 702

Estimated living cost  is ₽18742 per week

₽11233
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1839
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.
₽5257
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
₽15886
₽12759
₽16235
₽16699
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
-
-
-
6 658
social contributions

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

-
-
-
25 716
surtax
-
-
-
-
total
-
-
-
32 374
Employee
37 231
-
59 798
-
income
7 744
-
15 070
-
social contributions
4 095
-
6 578
-
surtax
-
-
-
-
total
11 839
-
21 648
-
Employer
37 231
-
59 798
-
social contributions
8 842
-
14 202
-
total
8 842
-
14 202
-
Corporate
27 927
74 000
-
-
income
5 865
15 540
-
-
surtax
-
-
-
-
total
5 865
15 540
-
-
Dividends
22 062
58 460
-
-
withholding
6 177
16 370
-
-
total
6 177
16 370
-
-
Income
74 000
74 000
74 000
74 000
Total tax
32 723
31 910
35 850
32 374
After tax
41 277
42 090
38 150
41 626
Living cost
25 391
25 391
25 391
25 391
Free-cash
15 886
16 699
12 759
16 235

Estimated living cost  is ₽25391 per week

₽18998
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1498
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽424
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.
₽4472
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
₽63123
₽53156
₽67216
₽64256
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
7 555
-
74 000
-
income
1 511
-
14 800
-
total
1 511
-
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%.

66 445
74 000
-
-
total
-
-
-
-
Dividends
66 445
74 000
-
-
withholding
3 322
3 700
-
-
total
3 322
3 700
-
-
Income
74 000
74 000
74 000
74 000
Total tax
4 833
3 700
14 800
740
After tax
69 167
70 300
59 200
73 260
Living cost
6 044
6 044
6 044
6 044
Free-cash
63 123
64 256
53 156
67 216

Estimated living cost  is ₽6044 per week

₽3746
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽502
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽166
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.
₽1630
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
₽22463
₽14757
₽16878
₽29235
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
pensions
-
-
-
13 514
unemployment
-
-
-
111
income
-
-
-
14 503
health
-
-
-
7 281
total
-
-
-
35 409
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.

35 796
-
64 030
-
health
2 312
-
4 137
-
unemployment
51
-
89
-
pensions
5 549
-
9 925
-
income
6 173
-
13 410
-
total
14 085
-
27 561
-
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.

35 796
-
64 030
-
health
2 384
-
4 264
-
pensions
3 168
-
5 667
-
unemployment
22
-
38
-
total
5 574
-
9 969
-
Corporate
32 631
74 000
-
-
income
6 200
14 061
-
-
total
6 200
14 061
-
-
Dividends
26 430
59 939
-
-
withholding
3 965
8 991
-
-
total
3 965
8 991
-
-
Income
74 000
74 000
74 000
74 000
Total tax
29 824
23 052
37 530
35 409
After tax
44 176
50 948
36 470
38 591
Living cost
21 713
21 713
21 713
21 713
Free-cash
22 463
29 235
14 757
16 878

Estimated living cost  is ₽21713 per week

₽14901
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1392
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽421
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.
₽5000
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
₽18311
₽24853
₽16450
₽14438
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
-
-
-
23 043
health

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

-
-
-
5 122
total
-
-
-
28 165
Employee
37 135
-
70 276
-
social contributions
3 721
-
3 724
-
income
4 029
-
12 314
-
total
7 750
-
16 038
-
Employer
37 135
-
70 276
-
social contributions
3 721
-
3 724
-
total
3 721
-
3 724
-
Corporate
33 144
74 000
-
-
income
11 601
25 900
-
-
total
11 601
25 900
-
-
Dividends
21 543
48 100
-
-
social contributions
3 232
4 277
-
-
total
3 232
4 277
-
-
Income
74 000
74 000
74 000
74 000
Total tax
26 304
30 177
19 762
28 165
After tax
47 696
43 823
54 238
45 835
Living cost
29 385
29 385
29 385
29 385
Free-cash
18 311
14 438
24 853
16 450

Estimated living cost  is ₽29385 per week

₽19356
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2317
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.
₽7262
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
₽28402
₽30847
₽30357
₽27982
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
-
-
-
5 165
social contributions
-
-
-
10 213
total
-
-
-
26 478
Employee
27 447
-
74 000
-
health
1 916
-
5 165
-
income
4 578
-
10 610
-
social contributions
3 788
-
10 213
-
total
10 282
-
25 988
-
Employer
27 447
-
74 000
-
total
-
-
-
-
Corporate
46 553
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%.

2 327
3 701
-
-
total
2 327
3 701
-
-
Dividends
44 226
70 299
-
-
social contributions
6 103
9 701
-
-
withholding
6 633
10 544
-
-
health
3 088
4 907
-
-
total
15 824
25 152
-
-
Income
74 000
74 000
74 000
74 000
Total tax
28 433
28 853
25 988
26 478
After tax
45 567
45 147
48 012
47 522
Living cost
17 165
17 165
17 165
17 165
Free-cash
28 402
27 982
30 847
30 357

Estimated living cost  is ₽17165 per week

₽11488
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1058
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.
₽4223
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
₽20231
₽14911
₽13401
₽28308
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
health
-
-
-
9 990
social contributions
-
-
-
21 608
solidarity contribution
-
-
-
-
total
-
-
-
37 958
Employee
33 295
-
55 224
-
health
4 495
-
7 455
-
solidarity contribution
-
-
-
-
income
3 995
-
6 627
-
social contributions
2 164
-
3 590
-
total
10 654
-
17 672
-
Employer
33 295
-
55 224
-
health
2 997
-
4 970
-
social contributions
8 324
-
13 806
-
total
11 321
-
18 776
-
Corporate
29 385
74 000
-
-
income
5 583
14 060
-
-
total
5 583
14 060
-
-
Dividends
23 801
59 940
-
-
withholding
3 570
8 991
-
-
total
3 570
8 991
-
-
Income
74 000
74 000
74 000
74 000
Total tax
31 128
23 051
36 448
37 958
After tax
42 872
50 949
37 552
36 042
Living cost
22 641
22 641
22 641
22 641
Free-cash
20 231
28 308
14 911
13 401

Estimated living cost  is ₽22641 per week

₽16837
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1254
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽392
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.
₽4158
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
₽59115
₽49781
₽63841
₽60881
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
11 774
-
74 000
-
income
2 355
-
14 800
-
total
2 355
-
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%.

62 226
74 000
-
-
total
-
-
-
-
Dividends
62 226
74 000
-
-
withholding
3 111
3 700
-
-
total
3 111
3 700
-
-
Income
74 000
74 000
74 000
74 000
Total tax
5 466
3 700
14 800
740
After tax
68 534
70 300
59 200
73 260
Living cost
9 419
9 419
9 419
9 419
Free-cash
59 115
60 881
49 781
63 841

Estimated living cost  is ₽9419 per week

₽6374
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽395
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽316
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.
₽2334
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
₽3761
₽3418
₽3713
-₽1800
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
-
-
-
6 064
other
-
-
-
2 295
health
-
-
-
988
social contributions
-
-
-
2 109
pensions
-
-
-
19 733
surtax
-
-
-
-
total
-
-
-
31 189
Employee
50 700
-
56 385
-
pensions
5 735
-
6 378
-
income
4 424
-
5 895
-
social contributions
1 444
-
1 605
-
surtax
-
-
-
-
total
11 603
-
13 878
-
Employer
50 700
-
56 385
-
health
3 549
-
3 946
-
social contributions
152
-
169
-
pensions
8 331
-
9 262
-
unemployment
2 054
-
2 284
-
other
1 750
-
1 945
-
total
15 836
-
17 606
-
Corporate
7 465
74 000
-
-
income
2 091
20 720
-
-
surtax
-
-
-
-
total
2 091
20 720
-
-
Dividends
5 374
53 280
-
-
social contributions
923
9 163
-
-
surtax
-
-
-
-
withholding
688
6 819
-
-
total
1 611
15 982
-
-
Income
74 000
74 000
74 000
74 000
Total tax
31 141
36 702
31 484
31 189
After tax
42 859
37 298
42 516
42 811
Living cost
39 098
39 098
39 098
39 098
Free-cash
3 761
-1 800
3 418
3 713

Estimated living cost  is ₽39098 per week

₽26461
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3198
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽536
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.
₽8902
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
₽35548
₽24394
₽24394
₽39516
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
pensions
-
-
-
15 499
unemployment
-
-
-
894
income
-
-
-
13 124
health
-
-
-
6 140
total
-
-
-
35 657
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.

21 035
-
63 330
-
health
1 083
-
3 070
-
unemployment
158
-
447
-
pensions
2 945
-
8 346
-
income
2 899
-
13 124
-
total
7 085
-
24 987
-
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.

21 035
-
63 330
-
health
1 083
-
3 070
-
pensions
2 524
-
7 153
-
unemployment
158
-
447
-
total
3 765
-
10 670
-
Corporate
49 200
74 000
-
-
income
7 380
11 100
-
-
total
7 380
11 100
-
-
Dividends
41 820
62 900
-
-
withholding
6 273
9 435
-
-
total
6 273
9 435
-
-
Income
74 000
74 000
74 000
74 000
Total tax
24 503
20 535
35 657
35 657
After tax
49 497
53 465
38 343
38 343
Living cost
13 949
13 949
13 949
13 949
Free-cash
35 548
39 516
24 394
24 394

Estimated living cost  is ₽13949 per week

₽9392
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1079
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽404
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.
₽3075
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
₽1593
₽1694
₽5386
-₽22516
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
pensions
-
-
-
6 809
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.

-
-
-
1 481
health
-
-
-
184
regional
-
-
-
2 542
national
-
-
-
463
total
-
-
-
12 259
Employee
65 950
-
66 235
-
health
149
-
149
-
unemployment
-
-
-
-
city
708
-
712
-
pensions
5 541
-
5 564
-
regional
2 160
-
2 175
-
national
312
-
314
-
total
8 870
-
8 914
-
Employer
65 950
-
66 235
-
health
149
-
149
-
pensions
5 541
-
5 564
-
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.

1 319
-
1 324
-
total
7 009
-
7 037
-
Corporate
316
74 000
-
-
regional
67
15 651
-
-
national
28
6 290
-
-
total
95
21 941
-
-
Dividends
222
52 059
-
-
withholding
78
18 220
-
-
total
78
18 220
-
-
Income
74 000
74 000
74 000
74 000
Total tax
16 052
40 161
15 951
12 259
After tax
57 948
33 839
58 049
61 741
Living cost
56 355
56 355
56 355
56 355
Free-cash
1 593
-22 516
1 694
5 386

Estimated living cost  is ₽56355 per week

₽36647
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5057
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽692
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.
₽13959
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
₽16175
₽11688
₽22246
₽18653
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
-
-
-
13 176
health
-
-
-
802
national
-
-
-
6 697
total
-
-
-
20 675
Employee
42 589
-
62 253
-
health
318
-
621
-
unemployment
639
-
934
-
pensions
2 874
-
4 201
-
national
704
-
3 561
-
municipal
6 976
-
10 169
-
total
11 511
-
19 486
-
Employer
42 589
-
62 253
-
health
327
-
479
-
pensions
7 389
-
10 801
-
accident
43
-
63
-
unemployment
277
-
404
-
total
8 036
-
11 747
-
Corporate
23 375
74 000
-
-
income
4 675
14 800
-
-
total
4 675
14 800
-
-
Dividends

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

14 025
44 400
-
-
municipal
2 524
7 993
-
-
national
-
1 475
-
-
total
2 524
9 468
-
-
Income
74 000
74 000
74 000
74 000
Total tax
26 746
24 268
31 233
20 675
After tax
47 254
49 732
42 767
53 325
Living cost
31 079
31 079
31 079
31 079
Free-cash
16 175
18 653
11 688
22 246

Estimated living cost  is ₽31079 per week

₽20301
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2989
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽495
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.
₽7295
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
-₽761
-₽249
₽6090
₽12013
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
communal

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

-
-
-
3 770
social contributions
-
-
-
11 168
national
-
-
-
23 457
total
-
-
-
38 395
Employee

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

57 904
-
57 313
-
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.

2 721
-
2 693
-
communal

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

3 020
-
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.

504
-
499
-
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.

4 343
-
4 298
-
national
17 802
-
17 570
-
total
28 390
-
28 049
-
Employer

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

57 904
-
57 313
-
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.

3 561
-
3 526
-
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.

5 131
-
5 079
-
surtax
6 566
-
6 498
-
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.

753
-
745
-
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.

845
-
837
-
total
16 856
-
16 685
-
Corporate
-
74 000
-
-
income
-
14 800
-
-
surtax
-
296
-
-
total
-
15 096
-
-
Dividends
-
58 904
-
-
withholding

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

-
17 376
-
-
total
-
17 376
-
-
Income
74 000
74 000
74 000
74 000
Total tax
45 246
32 472
44 734
38 395
After tax
28 754
41 528
29 266
35 605
Living cost
29 515
29 515
29 515
29 515
Free-cash
-761
12 013
-249
6 090

Estimated living cost  is ₽29515 per week

₽19012
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2581
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
Stockholm , Sweden
₽4698
₽4594
₽1966
₽5482
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
unemployment
-
-
-
74
municipal
-
-
-
15 674
other
-
-
-
8 599
health
-
-
-
4 618
national
-
-
-
-
accident
-
-
-
148
pensions
-
-
-
7 999
total
-
-
-
37 112
Employee
49 760
-
56 308
-
national
-
-
-
-
municipal
14 838
-
16 791
-
total
14 838
-
16 791
-
Employer
49 760
-
56 308
-
health
3 060
-
3 463
-
pensions
5 379
-
6 087
-
accident
100
-
113
-
unemployment
1 314
-
1 487
-
other
5 782
-
6 543
-
total
15 635
-
17 693
-
Corporate
8 605
74 000
-
-
income
1 893
16 280
-
-
total
1 893
16 280
-
-
Dividends
6 712
57 720
-
-
withholding
2 014
17 316
-
-
total
2 014
17 316
-
-
Income
74 000
74 000
74 000
74 000
Total tax
34 380
33 596
34 484
37 112
After tax
39 620
40 404
39 516
36 888
Living cost
34 922
34 922
34 922
34 922
Free-cash
4 698
5 482
4 594
1 966

Estimated living cost  is ₽34922 per week

₽23145
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3427
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽530
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.
₽7820
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
-₽58831
₽23841
₽12701
₽6583
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
55 117
-
-
-
income
12 158
-
-
-
social contributions
4 520
-
644
-
total
16 678
-
644
-
Employer
55 117
-
-
-
social contributions
77 714
-
11 076
-
total
77 714
-
11 076
-
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
94 392
28 978
11 720
22 860
After tax
-20 392
45 022
62 280
51 140
Living cost
38 439
38 439
38 439
38 439
Free-cash
-58 831
6 583
23 841
12 701

Estimated living cost  is ₽38439 per week

₽24941
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3615
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽490
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.
₽9393
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
₽24594
₽27114
₽27188
₽27953
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
-
-
-
7 126
health
-
-
-
1 886
social contributions
-
-
-
11 544
total
-
-
-
20 556
Employee
62 247
62 247
67 181
-
health
619
1 058
1 141
-
income
6 536
5 762
7 094
-
social contributions
3 025
5 166
5 576
-
total
10 180
11 986
13 811
-
Employer
62 247
62 247
67 181
-
health
674
1 152
1 243
-
social contributions
3 025
5 166
5 576
-
total
3 699
6 318
6 819
-
Corporate
33 865
5 435
-
-
income
4 234
679
-
-
total
4 234
679
-
-
Dividends
29 631
4 756
-
-
withholding
5 037
808
-
-
total
5 037
808
-
-
Income
74 000
74 000
74 000
74 000
Total tax
23 150
19 791
20 630
20 556
After tax
50 850
54 209
53 370
53 444
Living cost
26 256
26 256
26 256
26 256
Free-cash
24 594
27 953
27 114
27 188

Estimated living cost  is ₽26256 per week

₽17949
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2051
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽441
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.
₽5816
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
₽22112
₽17538
₽25115
₽26320
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
-
-
-
14 588
pensions
-
-
-
5 360
total
-
-
-
19 948
Employee
39 720
-
65 230
-
health
518
-
1 041
-
pensions
3 032
-
6 094
-
income
7 233
-
11 619
-
total
10 783
-
18 754
-
Employer
39 720
-
65 230
-
health
755
-
1 239
-
pensions
4 013
-
7 532
-
total
4 768
-
8 771
-
Corporate
29 513
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.

5 607
14 060
-
-
total
5 607
14 060
-
-
Dividends
23 906
59 940
-
-
withholding
1 793
4 683
-
-
total
1 793
4 683
-
-
Income
74 000
74 000
74 000
74 000
Total tax
22 951
18 743
27 525
19 948
After tax
51 049
55 257
46 475
54 052
Living cost
28 937
28 937
28 937
28 937
Free-cash
22 112
26 320
17 538
25 115

Estimated living cost  is ₽28937 per week

₽19850
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2661
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.
₽6061
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
₽3046
₽2193
₽5575
₽6729
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
-
-
-
495
regional
-
-
-
1 414
social contributions
-
-
-
19 033
national
-
-
-
15 234
total
-
-
-
36 176
Employee
68 213
-
74 000
-
social contributions
23 001
-
24 952
-
regional
1 030
-
1 180
-
national
11 527
-
12 985
-
municipal
407
-
441
-
total
35 965
-
39 558
-
Employer
68 213
-
74 000
-
total
-
-
-
-
Corporate
5 787
74 000
-
-
nationa
1 389
17 760
-
-
municipal
280
3 567
-
-
total
1 669
21 327
-
-
Dividends
4 118
52 673
-
-
withholding
1 071
13 695
-
-
total
1 071
13 695
-
-
Income
74 000
74 000
74 000
74 000
Total tax
38 705
35 022
39 558
36 176
After tax
35 295
38 978
34 442
37 824
Living cost
32 249
32 249
32 249
32 249
Free-cash
3 046
6 729
2 193
5 575

Estimated living cost  is ₽32249 per week

₽22652
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2218
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽487
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6890
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
₽3366
₽20831
₽33672
-₽11148
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
pensions
-
-
-
3 242
income
-
-
-
17 759
other
-
-
-
289
health
-
-
-
1 699
accident
-
-
-
197
total
-
-
-
23 186
Employee
26 966
-
62 827
-
health
3 088
-
7 194
-
pensions
3 036
-
5 945
-
income
3 699
-
11 715
-
total
9 823
-
24 854
-
Employer
26 966
-
62 827
-
pensions
4 385
-
8 585
-
accident
450
-
1 049
-
unemployment
661
-
1 539
-
total
5 496
-
11 173
-
Corporate
41 538
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.

37 384
66 600
-
-
total
37 384
66 600
-
-
Dividends
4 154
7 400
-
-
withholding
789
1 406
-
-
total
789
1 406
-
-
Income
74 000
74 000
74 000
74 000
Total tax
53 492
68 006
36 027
23 186
After tax
20 508
5 994
37 973
50 814
Living cost
17 142
17 142
17 142
17 142
Free-cash
3 366
-11 148
20 831
33 672

Estimated living cost  is ₽17142 per week

₽12564
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽950
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽358
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3271
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
₽17534
₽22219
₽17001
₽6943
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
trade
-
-
-
5 218
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.

-
-
-
14 216
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.

-
-
-
5 530
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.

-
-
-
782
total
-
-
-
25 746
Employee

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

40 278
-
74 000
-
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.

5 530
-
5 530
-
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.

3 312
-
14 216
-
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.

183
-
782
-
total
9 025
-
20 528
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
33 722
74 000
-
-
income
5 059
11 100
-
-
trade
4 839
10 620
-
-
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.

278
610
-
-
chamber of commerce
172
232
-
-
total
10 348
22 562
-
-
Dividends
23 375
51 438
-
-
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.

304
690
-
-
withholding
5 536
12 552
-
-
total
5 840
13 242
-
-
Income
74 000
74 000
74 000
74 000
Total tax
25 213
35 804
20 528
25 746
After tax
48 787
38 196
53 472
48 254
Living cost
31 253
31 253
31 253
31 253
Free-cash
17 534
6 943
22 219
17 001

Estimated living cost  is ₽31253 per week

₽21559
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3363
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.
₽5877
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
₽35718
₽24950
₽22741
₽42359
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
income
-
-
-
10 627
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.

-
-
-
23 791
surtax
-
-
-
-
total
-
-
-
34 418
Employee
23 654
-
59 634
-
income
4 211
-
11 284
-
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.

2 602
-
6 559
-
surtax
-
-
-
-
total
6 813
-
17 843
-
Employer
23 654
-
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.

5 698
-
14 366
-
surtax
-
-
-
-
total
5 698
-
14 366
-
Corporate
44 648
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%.

8 930
14 800
-
-
total
8 930
14 800
-
-
Dividends

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

35 719
59 200
-
-
total
-
-
-
-
Income
74 000
74 000
74 000
74 000
Total tax
21 441
14 800
32 209
34 418
After tax
52 559
59 200
41 791
39 582
Living cost
16 841
16 841
16 841
16 841
Free-cash
35 718
42 359
24 950
22 741

Estimated living cost  is ₽16841 per week

₽10744
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1604
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽383
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.
₽4111
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
₽34606
₽31619
₽32326
₽36238
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
-
-
-
19 232
health
-
-
-
5 255
pensions
-
-
-
7 249
total
-
-
-
31 736
Employee
15 136
-
65 845
-
health
757
-
1 812
-
unemployment
151
-
363
-
pensions
1 362
-
3 262
-
income
2 928
-
18 851
-
total
5 198
-
24 288
-
Employer
15 136
-
65 845
-
health
1 438
-
3 443
-
pensions
1 665
-
3 987
-
unemployment
303
-
725
-
total
3 406
-
8 155
-
Corporate
55 458
74 000
-
-
income
12 201
16 280
-
-
total
12 201
16 280
-
-
Dividends
43 257
57 720
-
-
withholding
8 651
11 544
-
-
total
8 651
11 544
-
-
Income
74 000
74 000
74 000
74 000
Total tax
29 456
27 824
32 443
31 736
After tax
44 544
46 176
41 557
42 264
Living cost
9 938
9 938
9 938
9 938
Free-cash
34 606
36 238
31 619
32 326

Estimated living cost  is ₽9938 per week

₽5906
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽806
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽228
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.
₽2999
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
₽25787
₽19180
₽20602
₽28363
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
pensions
-
-
-
14 800
unemployment
-
-
-
184
income
-
-
-
13 440
other
-
-
-
-
health
-
-
-
5 254
surtax
-
-
-
1 538
total
-
-
-
35 216
Employee
27 261
-
61 131
-
health
696
-
1 559
-
unemployment
1 897
-
4 255
-
pensions
1 819
-
4 077
-
income
4 570
-
12 508
-
other
-
-
-
-
surtax
97
-
1 373
-
total
9 079
-
23 772
-
Employer
27 261
-
61 131
-
health
1 240
-
2 780
-
pensions
3 635
-
8 149
-
unemployment
865
-
1 937
-
other
-
-
-
-
total
5 740
-
12 866
-
Corporate
41 000
74 000
-
-
income
10 660
19 241
-
-
total
10 660
19 241
-
-
Dividends
30 340
54 759
-
-
withholding
4 552
8 214
-
-
total
4 552
8 214
-
-
Income
74 000
74 000
74 000
74 000
Total tax
30 031
27 455
36 638
35 216
After tax
43 969
46 545
37 362
38 784
Living cost
18 182
18 182
18 182
18 182
Free-cash
25 787
28 363
19 180
20 602

Estimated living cost  is ₽18182 per week

₽10978
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1581
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽422
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.
₽5203
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
₽15461
-₽2256
₽12372
₽15857
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
pensions
-
-
-
13 690
chamber of commerce
-
-
-
296
unemployment
-
-
-