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
₽ 76000
per

Your estimated
City
free-cash

Valencia , Spain
₽17699
₽17160
₽28234
₽23849
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
-
-
-
76 000
income
-
-
-
13 049
accident
-
-
-
684
unemployment
-
-
-
532
pensions
-
-
-
21 508
other
-
-
-
76
total
-
-
-
35 849
Employee
30 915
-
57 627
-
other
30
-
57
-
income
5 960
-
13 279
-
unemployment
479
-
893
-
pensions
1 453
-
2 708
-
total
7 922
-
16 937
-
Employer
30 915
-
57 627
-
unemployment
1 701
-
3 170
-
pensions
7 295
-
13 600
-
other
248
-
462
-
accident
612
-
1 141
-
total
9 856
-
18 373
-
Corporate
35 229
76 000
-
-
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.

5 285
11 400
-
-
total
5 285
11 400
-
-
Dividends
29 944
64 600
-
-
withholding
6 097
13 375
-
-
total
6 097
13 375
-
-
Income
76 000
76 000
76 000
76 000
Total tax
29 160
24 775
35 310
35 849
After tax
46 840
51 225
40 690
40 151
Living cost
22 991
22 991
22 991
22 991
Free-cash
23 849
28 234
17 699
17 160

Estimated living cost  is ₽22991 per week

₽15519
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2210
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽403
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4860
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Bratislava , Slovakia
₽22268
₽18874
₽33559
₽27914
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
-
-
-
76 000
income
-
-
-
9 653
health
-
-
-
3 345
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.

-
-
-
18 240
other
-
-
-
3 610
total
-
-
-
34 848
Employee
30 357
-
60 702
-
income
5 226
-
10 449
-
health
425
-
850
-
unemployment
303
-
608
-
pensions

Participation in the individual account program is voluntary (6% of an income). The decision to contribute to an individual account must be made before the age of 35 and cannot be reversed.

2 124
-
4 249
-
total
8 078
-
16 156
-
Employer
30 357
-
60 702
-
unemployment
303
-
608
-
pensions

Participation in the individual account program is voluntary (6% of an income). The decision to contribute to an individual account must be made before the age of 35 and cannot be reversed.

5 161
-
10 319
-
other
1 518
-
3 035
-
accident
243
-
486
-
health
425
-
850
-
total
7 650
-
15 298
-
Corporate
37 992
76 000
-
-
income
7 979
15 960
-
-
total
7 979
15 960
-
-
Dividends
30 013
60 040
-
-
withholding
2 101
4 203
-
-
total
2 101
4 203
-
-
Income
76 000
76 000
76 000
76 000
Total tax
25 808
20 163
31 454
34 848
After tax
50 192
55 837
44 546
41 152
Living cost
22 278
22 278
22 278
22 278
Free-cash
27 914
33 559
22 268
18 874

Estimated living cost  is ₽22278 per week

₽15741
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1504
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽359
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4674
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Varna , Bulgaria
₽48035
₽45825
₽54009
₽50122
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
-
-
-
76 000
income
-
-
-
11 400
health
-
-
-
3 361
unemployment
-
-
-
117
pensions

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

-
-
-
4 326
total
-
-
-
19 204
Employee
14 527
-
70 266
-
income
1 452
-
7 027
-
health
668
-
1 344
-
accident

We are using the highest rate at 1.1%.

160
-
322
-
pensions

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

1 275
-
2 566
-
total
3 555
-
11 259
-
Employer
14 527
-
70 266
-
unemployment
87
-
175
-
pensions

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

1 601
-
3 221
-
accident

We are using the highest rate at 1.1%.

160
-
322
-
health
1 003
-
2 017
-
total
2 851
-
5 735
-
Corporate
58 623
76 000
-
-
income
5 863
7 600
-
-
total
5 863
7 600
-
-
Dividends
52 760
68 400
-
-
withholding
2 638
3 420
-
-
total
2 638
3 420
-
-
Income
76 000
76 000
76 000
76 000
Total tax
14 907
11 020
16 994
19 204
After tax
61 093
64 980
59 006
56 796
Living cost
10 971
10 971
10 971
10 971
Free-cash
50 122
54 009
48 035
45 825

Estimated living cost  is ₽10971 per week

₽6405
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽783
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽291
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3492
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Nice , France
₽15101
₽15376
₽9698
₽14638
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
-
-
-
76 000
income
-
-
-
6 162
social contributions
-
-
-
2 166
health
-
-
-
988
surtax
-
-
-
-
pensions
-
-
-
20 345
other
-
-
-
2 358
total
-
-
-
32 019
Employee
35 783
-
57 913
-
income
2 112
-
6 005
-
social contributions
1 020
-
1 650
-
surtax
-
-
-
-
pensions
4 046
-
6 551
-
total
7 178
-
14 206
-
Employer
35 783
-
57 913
-
unemployment
1 449
-
2 345
-
social contributions
108
-
175
-
pensions
5 878
-
9 516
-
other
1 234
-
1 998
-
health
2 505
-
4 054
-
total
11 174
-
18 088
-
Corporate
29 043
76 000
-
-
income
8 131
21 280
-
-
surtax
-
-
-
-
total
8 131
21 280
-
-
Dividends
20 911
54 720
-
-
withholding
2 677
7 005
-
-
surtax
-
-
-
-
social contributions
3 597
9 412
-
-
total
6 274
16 417
-
-
Income
76 000
76 000
76 000
76 000
Total tax
32 757
37 697
32 294
32 019
After tax
43 243
38 303
43 706
43 981
Living cost
28 605
28 605
28 605
28 605
Free-cash
14 638
9 698
15 101
15 376

Estimated living cost  is ₽28605 per week

₽18037
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2326
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽487
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7757
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Rotterdam , Netherlands
-₽7024
₽8157
-₽2330
-₽7024
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
-
-
-
76 000
income
-
-
-
13 440
health
-
-
-
9 583
pensions
-
-
-
9 796
total
-
-
-
32 819
Employee
71 397
71 397
71 397
-
income

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

11 687
11 687
11 687
-
health
10 959
9 321
10 959
-
pensions
12 852
9 796
12 852
-
total
35 498
30 804
35 498
-
Employer
71 397
71 397
71 397
-
unemployment
2 570
2 570
2 570
-
pensions
4 969
4 969
4 969
-
health
4 963
4 963
4 963
-
total
12 502
12 502
12 502
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Income
76 000
76 000
76 000
76 000
Total tax
48 000
43 306
48 000
32 819
After tax
28 000
32 694
28 000
43 181
Living cost
35 024
35 024
35 024
35 024
Free-cash
-7 024
-2 330
-7 024
8 157

Estimated living cost  is ₽35024 per week

₽24821
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3157
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽557
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6489
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Dresden , Germany
₽29642
₽23794
₽13124
₽22375
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.

-
-
-
76 000
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.

-
-
-
14 524
health

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

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

-
-
-
5 712
trade
-
-
-
5 848
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.

-
-
-
798
total
-
-
-
26 882
Employee

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

31 978
-
76 000
-
income

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

893
-
14 524
-
health

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

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

5 712
-
5 712
-
surtax

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

49
-
798
-
total
6 654
-
21 034
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
44 022
76 000
-
-
chamber of commerce
190
236
-
-
income
6 603
11 400
-
-
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.

363
627
-
-
trade
6 933
11 969
-
-
total
14 089
24 232
-
-
Dividends
29 931
51 768
-
-
withholding
7 165
12 625
-
-
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.

393
695
-
-
total
7 558
13 320
-
-
Income
76 000
76 000
76 000
76 000
Total tax
28 301
37 552
21 034
26 882
After tax
47 699
38 448
54 966
49 118
Living cost
25 324
25 324
25 324
25 324
Free-cash
22 375
13 124
29 642
23 794

Estimated living cost  is ₽25324 per week

₽15930
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2953
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽473
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5969
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Nationals of Europe, Australia, Canada, Israel, Japan, the Republic of Korea, New Zealand and the USA do not require an entry type D visa (not to confuse with a Schengen visa or a visa-free entry). For other nationals, waiting time is around 6-9 months which includes document preparation and processing.

Larnaca , Cyprus
₽35519
₽35595
₽36319
₽31768
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
-
-
-
76 000
income
-
-
-
7 254
social contributions
-
-
-
11 857
health
-
-
-
1 937
total
-
-
-
21 048
Employee
64 290
64 290
68 997
-
income
7 000
5 951
7 222
-
social contributions
2 431
5 336
5 726
-
health
498
1 093
1 173
-
total
9 929
12 380
14 121
-
Employer
64 290
64 290
68 997
-
social contributions
2 431
5 336
5 726
-
health
541
1 190
1 277
-
total
2 972
6 526
7 003
-
Corporate
43 742
5 184
-
-
income
5 467
647
-
-
total
5 467
647
-
-
Dividends
38 274
4 537
-
-
withholding
6 507
771
-
-
total
6 507
771
-
-
Income
76 000
76 000
76 000
76 000
Total tax
24 875
20 324
21 124
21 048
After tax
51 125
55 676
54 876
54 952
Living cost
19 357
19 357
19 357
19 357
Free-cash
31 768
36 319
35 519
35 595

Estimated living cost  is ₽19357 per week

₽11601
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1899
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽428
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5429
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Lisbon , Portugal
₽12983
₽16536
₽17003
₽16162
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.

-
-
-
76 000
income
-
-
-
6 828
social contributions

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

-
-
-
26 411
surtax
-
-
-
-
total
-
-
-
33 239
Employee
38 453
-
61 414
-
income
7 998
-
15 450
-
social contributions
4 230
-
6 756
-
surtax
-
-
-
-
total
12 228
-
22 206
-
Employer
38 453
-
61 414
-
social contributions
9 133
-
14 586
-
total
9 133
-
14 586
-
Corporate
28 415
76 000
-
-
income
5 967
15 960
-
-
surtax
-
-
-
-
total
5 967
15 960
-
-
Dividends
22 447
60 040
-
-
withholding
6 285
16 812
-
-
total
6 285
16 812
-
-
Income
76 000
76 000
76 000
76 000
Total tax
33 613
32 772
36 792
33 239
After tax
42 387
43 228
39 208
42 761
Living cost
26 225
26 225
26 225
26 225
Free-cash
16 162
17 003
12 983
16 536

Estimated living cost  is ₽26225 per week

₽19622
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1547
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽438
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4619
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Batumi , Georgia
₽54550
₽68990
₽65950
₽64778
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%.

-
-
-
76 000
microenterprise

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

-
-
-
760
total
-
-
-
760
Employee
7 813
-
76 000
-
income
1 562
-
15 200
-
total
1 562
-
15 200
-
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%.

68 187
76 000
-
-
total
-
-
-
-
Dividends
68 187
76 000
-
-
withholding
3 410
3 800
-
-
total
3 410
3 800
-
-
Income
76 000
76 000
76 000
76 000
Total tax
4 972
3 800
15 200
760
After tax
71 028
72 200
60 800
75 240
Living cost
6 250
6 250
6 250
6 250
Free-cash
64 778
65 950
54 550
68 990

Estimated living cost  is ₽6250 per week

₽3874
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽520
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽172
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽1685
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Social security system in Georgia is financed from the government taxes which are part of our internal model. Separate pension and medical insurance contributions are not compulsory. It is advisable to purchase health insurance privately as in an event of medical emergency the treatment is likely to get costly.

Ljubljana , Slovenia
₽15053
₽17228
₽29901
₽22908
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.

-
-
-
76 000
income
-
-
-
14 874
health
-
-
-
7 479
unemployment
-
-
-
114
pensions
-
-
-
13 880
total
-
-
-
36 347
Employee

The minimum monthly earnings used to calculate contributions are 54% (gradually rising by two percent until reaching 60% by 2021) of the insured's average monthly wage in the last year.

36 971
-
65 762
-
income
6 376
-
13 752
-
health
2 388
-
4 247
-
unemployment
52
-
92
-
pensions
5 731
-
10 192
-
total
14 547
-
28 283
-
Employer

The minimum monthly earnings used to calculate contributions are 54% (gradually rising by two percent until reaching 60% by 2021) of the insured's average monthly wage in the last year.

36 971
-
65 762
-
unemployment
22
-
40
-
pensions
3 272
-
5 820
-
health
2 462
-
4 379
-
total
5 756
-
10 239
-
Corporate
33 272
76 000
-
-
income
6 321
14 440
-
-
total
6 321
14 440
-
-
Dividends
26 951
61 560
-
-
withholding
4 043
9 234
-
-
total
4 043
9 234
-
-
Income
76 000
76 000
76 000
76 000
Total tax
30 667
23 674
38 522
36 347
After tax
45 333
52 326
37 478
39 653
Living cost
22 425
22 425
22 425
22 425
Free-cash
22 908
29 901
15 053
17 228

Estimated living cost  is ₽22425 per week

₽15390
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1437
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽435
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5164
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Sliema , Malta
₽25348
₽16365
₽14633
₽18676
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.

-
-
-
76 000
income
-
-
-
23 799
health

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

-
-
-
5 486
total
-
-
-
29 285
Employee
38 354
-
72 154
-
social contributions
3 843
-
3 846
-
income
4 162
-
12 610
-
total
8 005
-
16 456
-
Employer
38 354
-
72 154
-
social contributions
3 843
-
3 846
-
total
3 843
-
3 846
-
Corporate
33 803
76 000
-
-
income
11 831
26 600
-
-
total
11 831
26 600
-
-
Dividends
21 972
49 400
-
-
social contributions
3 295
4 417
-
-
total
3 295
4 417
-
-
Income
76 000
76 000
76 000
76 000
Total tax
26 974
31 017
20 302
29 285
After tax
49 026
44 983
55 698
46 715
Living cost
30 350
30 350
30 350
30 350
Free-cash
18 676
14 633
25 348
16 365

Estimated living cost  is ₽30350 per week

₽19991
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2393
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽465
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7500
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Vilnius , Lithuania
₽31607
₽31080
₽28638
₽29070
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
-
-
-
76 000
income
-
-
-
11 400
social contributions
-
-
-
10 487
health
-
-
-
5 304
total
-
-
-
27 191
Employee
28 348
-
76 000
-
income
4 728
-
10 873
-
social contributions
3 913
-
10 487
-
health
1 979
-
5 304
-
total
10 620
-
26 664
-
Employer
28 348
-
76 000
-
total
-
-
-
-
Corporate
47 652
76 000
-
-
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%.

2 383
3 800
-
-
total
2 383
3 800
-
-
Dividends
45 269
72 200
-
-
withholding
6 791
10 830
-
-
health
3 161
5 039
-
-
social contributions
6 246
9 964
-
-
total
16 198
25 833
-
-
Income
76 000
76 000
76 000
76 000
Total tax
29 201
29 633
26 664
27 191
After tax
46 799
46 367
49 336
48 809
Living cost
17 729
17 729
17 729
17 729
Free-cash
29 070
28 638
31 607
31 080

Estimated living cost  is ₽17729 per week

₽11865
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1093
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽408
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4362
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Prague , Czech Republic
₽15689
₽14138
₽29448
₽21287
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
-
-
-
76 000
income
-
-
-
6 532
social contributions
-
-
-
22 192
solidarity contribution
-
-
-
-
health
-
-
-
10 260
total
-
-
-
38 984
Employee
33 645
-
56 716
-
solidarity contribution
-
-
-
-
income
4 037
-
6 806
-
social contributions
2 187
-
3 687
-
health
4 542
-
7 657
-
total
10 766
-
18 150
-
Employer
33 645
-
56 716
-
social contributions
8 411
-
14 179
-
health
3 028
-
5 104
-
total
11 439
-
19 283
-
Corporate
30 916
76 000
-
-
income
5 874
14 440
-
-
total
5 874
14 440
-
-
Dividends
25 042
61 560
-
-
withholding
3 756
9 234
-
-
total
3 756
9 234
-
-
Income
76 000
76 000
76 000
76 000
Total tax
31 835
23 674
37 433
38 984
After tax
44 165
52 326
38 567
37 016
Living cost
22 878
22 878
22 878
22 878
Free-cash
21 287
29 448
15 689
14 138

Estimated living cost  is ₽22878 per week

₽17014
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1267
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽396
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4201
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Tbilisi , Georgia
₽51060
₽65500
₽62460
₽60634
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%.

-
-
-
76 000
microenterprise

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

-
-
-
760
total
-
-
-
760
Employee
12 175
-
76 000
-
income
2 435
-
15 200
-
total
2 435
-
15 200
-
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%.

63 825
76 000
-
-
total
-
-
-
-
Dividends
63 825
76 000
-
-
withholding
3 191
3 800
-
-
total
3 191
3 800
-
-
Income
76 000
76 000
76 000
76 000
Total tax
5 626
3 800
15 200
760
After tax
70 374
72 200
60 800
75 240
Living cost
9 740
9 740
9 740
9 740
Free-cash
60 634
62 460
51 060
65 500

Estimated living cost  is ₽9740 per week

₽6591
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽409
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽327
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2413
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Social security system in Georgia is financed from the government taxes which are part of our internal model. Separate pension and medical insurance contributions are not compulsory. It is advisable to purchase health insurance privately as in an event of medical emergency the treatment is likely to get costly.

Paris , France
₽3325
₽3600
-₽2078
₽3669
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
-
-
-
76 000
income
-
-
-
6 162
social contributions
-
-
-
2 166
health
-
-
-
988
surtax
-
-
-
-
pensions
-
-
-
20 345
other
-
-
-
2 358
total
-
-
-
32 019
Employee
52 365
-
57 913
-
income
4 569
-
6 005
-
social contributions
1 491
-
1 650
-
surtax
-
-
-
-
pensions
5 923
-
6 551
-
total
11 983
-
14 206
-
Employer
52 365
-
57 913
-
unemployment
2 121
-
2 345
-
social contributions
157
-
175
-
pensions
8 604
-
9 516
-
other
1 807
-
1 998
-
health
3 665
-
4 054
-
total
16 354
-
18 088
-
Corporate
7 280
76 000
-
-
income
2 039
21 280
-
-
surtax
-
-
-
-
total
2 039
21 280
-
-
Dividends
5 241
54 720
-
-
withholding
671
7 005
-
-
surtax
-
-
-
-
social contributions
903
9 412
-
-
total
1 574
16 417
-
-
Income
76 000
76 000
76 000
76 000
Total tax
31 950
37 697
32 294
32 019
After tax
44 050
38 303
43 706
43 981
Living cost
40 381
40 381
40 381
40 381
Free-cash
3 669
-2 078
3 325
3 600

Estimated living cost  is ₽40381 per week

₽27329
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3303
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽554
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9194
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Belgrade , Serbia
₽24910
₽24909
₽40499
₽36400
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.

-
-
-
76 000
income
-
-
-
13 402
health
-
-
-
6 343
unemployment
-
-
-
924
pensions
-
-
-
16 011
total
-
-
-
36 680
Employee

The minimum tax base for social security contributions are defined by the Law on Mandatory Social Insurance Contributions and is fixed at 35% of an average monthly salary published in Serbia. The maximum tax base for social security contributions is capped at five times the average monthly salary published by the official statistics in Serbia at the moment of salary payment.

The minimum monthly earnings used to calculate the contributions are 35% of the national average gross wage for the previous three months.

The maximum monthly earnings used to calculate the contributions are five times the national average gross wage in the previous month.

21 730
-
64 977
-
income
2 995
-
13 402
-
health
1 119
-
3 171
-
unemployment
163
-
462
-
pensions
3 042
-
8 621
-
total
7 319
-
25 656
-
Employer

The minimum tax base for social security contributions are defined by the Law on Mandatory Social Insurance Contributions and is fixed at 35% of an average monthly salary published in Serbia. The maximum tax base for social security contributions is capped at five times the average monthly salary published by the official statistics in Serbia at the moment of salary payment.

The minimum monthly earnings used to calculate the contributions are 35% of the national average gross wage for the previous three months.

The maximum monthly earnings used to calculate the contributions are five times the national average gross wage in the previous month.

21 730
-
64 977
-
unemployment
163
-
462
-
pensions
2 608
-
7 390
-
health
1 119
-
3 171
-
total
3 890
-
11 023
-
Corporate
50 380
76 000
-
-
income
7 557
11 400
-
-
total
7 557
11 400
-
-
Dividends
42 823
64 600
-
-
withholding
6 423
9 690
-
-
total
6 423
9 690
-
-
Income
76 000
76 000
76 000
76 000
Total tax
25 189
21 090
36 679
36 680
After tax
50 811
54 910
39 321
39 320
Living cost
14 411
14 411
14 411
14 411
Free-cash
36 400
40 499
24 910
24 909

Estimated living cost  is ₽14411 per week

₽9703
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1115
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽417
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3176
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Zurich , Switzerland
₽1245
₽5051
-₽23634
₽1163
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
-
-
-
76 000
regional
-
-
-
2 591
national
-
-
-
465
health
-
-
-
190
city
-
-
-
801
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.

-
-
-
1 521
pensions
-
-
-
6 993
total
-
-
-
12 561
Employee
68 329
-
68 024
-
regional
2 237
-
2 221
-
city
733
-
730
-
health
154
-
153
-
unemployment
-
-
-
-
national
323
-
320
-
pensions
5 741
-
5 715
-
total
9 188
-
9 139
-
Employer
68 329
-
68 024
-
unemployment
-
-
-
-
pensions
5 741
-
5 715
-
other

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

1 366
-
1 360
-
health
154
-
153
-
total
7 261
-
7 228
-
Corporate
-
76 000
-
-
regional
-
16 074
-
-
national
-
6 460
-
-
total
-
22 534
-
-
Dividends
-
53 465
-
-
withholding
-
18 712
-
-
total
-
18 712
-
-
Income
76 000
76 000
76 000
76 000
Total tax
16 449
41 246
16 367
12 561
After tax
59 551
34 754
59 633
63 439
Living cost
58 388
58 388
58 388
58 388
Free-cash
1 163
-23 634
1 245
5 051

Estimated living cost  is ₽58388 per week

₽37969
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5240
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽717
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽14462
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details

Additional information

It is extremely rare that a Third Country National (non-EU/EFTA/Swiss and without a long-term EU resident permit) is given a residence permit based on self-employment.

Helsinki , Finland
₽11859
₽22720
₽19014
₽16409
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

-
-
-
76 000
municipal
-
-
-
13 532
national
-
-
-
6 827
health
-
-
-
822
total
-
-
-
21 181
Employee
43 988
-
63 935
-
health
328
-
636
-
unemployment
660
-
958
-
national
727
-
3 622
-
municipal
7 205
-
10 445
-
pensions
2 969
-
4 316
-
total
11 889
-
19 977
-
Employer
43 988
-
63 935
-
unemployment
286
-
416
-
pensions
7 632
-
11 094
-
accident
44
-
63
-
health
338
-
492
-
total
8 300
-
12 065
-
Corporate
23 713
76 000
-
-
income
4 742
15 200
-
-
total
4 742
15 200
-
-
Dividends

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

14 228
45 600
-
-
national
-
1 479
-
-
municipal
2 561
8 208
-
-
total
2 561
9 687
-
-
Income
76 000
76 000
76 000
76 000
Total tax
27 492
24 887
32 042
21 181
After tax
48 508
51 113
43 958
54 819
Living cost
32 099
32 099
32 099
32 099
Free-cash
16 409
19 014
11 859
22 720

Estimated living cost  is ₽32099 per week

₽20967
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3088
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽511
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7535
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Finland permits registration as a sole-trader only for EU nationals or long-term EU resident permit holders. Other nationals should set up a company and hire themselves as an employee.

Brussels , Belgium
-₽401
₽6141
₽12166
-₽1212
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
-
-
-
76 000
national
-
-
-
24 056
social contributions
-
-
-
11 446
communal

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

-
-
-
3 873
total
-
-
-
39 375
Employee

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

59 805
-
58 863
-
health

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

2 810
-
2 767
-
communal

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

3 119
-
3 070
-
unemployment

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

520
-
512
-
national
18 386
-
18 017
-
pensions

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

4 485
-
4 414
-
total
29 320
-
28 780
-
Employer

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

59 805
-
58 863
-
unemployment

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

873
-
860
-
pensions

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

5 299
-
5 215
-
surtax
6 781
-
6 676
-
accident

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

777
-
765
-
health

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

3 678
-
3 621
-
total
17 408
-
17 137
-
Corporate
-
76 000
-
-
income
-
15 200
-
-
surtax
-
305
-
-
total
-
15 505
-
-
Dividends
-
60 496
-
-
withholding

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

-
17 845
-
-
total
-
17 845
-
-
Income
76 000
76 000
76 000
76 000
Total tax
46 728
33 350
45 917
39 375
After tax
29 272
42 650
30 083
36 625
Living cost
30 484
30 484
30 484
30 484
Free-cash
-1 212
12 166
-401
6 141

Estimated living cost  is ₽30484 per week

₽19636
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2666
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽478
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7706
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Stockholm , Sweden
₽5998
₽3339
₽6910
₽6133
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
-
-
-
76 000
municipal
-
-
-
16 115
national
-
-
-
-
health
-
-
-
4 730
accident
-
-
-
152
unemployment
-
-
-
76
pensions
-
-
-
8 194
other
-
-
-
8 808
total
-
-
-
38 075
Employee
49 282
-
57 830
-
national
-
-
-
-
municipal
14 696
-
17 245
-
total
14 696
-
17 245
-
Employer
49 282
-
57 830
-
unemployment
1 301
-
1 527
-
pensions
5 327
-
6 251
-
other
5 727
-
6 720
-
accident
99
-
116
-
health
3 031
-
3 557
-
total
15 485
-
18 171
-
Corporate
11 234
76 000
-
-
income
2 471
16 720
-
-
total
2 471
16 720
-
-
Dividends
8 763
59 280
-
-
withholding
2 629
17 784
-
-
total
2 629
17 784
-
-
Income
76 000
76 000
76 000
76 000
Total tax
35 281
34 504
35 416
38 075
After tax
40 719
41 496
40 584
37 925
Living cost
34 586
34 586
34 586
34 586
Free-cash
6 133
6 910
5 998
3 339

Estimated living cost  is ₽34586 per week

₽22922
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3394
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽525
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7745
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Oslo , Norway
₽26084
₽14269
₽7985
-₽56187
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
-
-
-
76 000
income
-
-
-
14 814
social contributions
-
-
-
8 664
total
-
-
-
23 478
Employee
54 849
-
-
-
income
12 099
-
-
-
social contributions
4 498
-
641
-
total
16 597
-
641
-
Employer
54 849
-
-
-
social contributions
77 337
-
11 022
-
total
77 337
-
11 022
-
Corporate
-
76 000
-
-
income
-
16 720
-
-
total
-
16 720
-
-
Dividends
-
59 280
-
-
income
-
13 042
-
-
total
-
13 042
-
-
Income
76 000
76 000
76 000
76 000
Total tax
93 934
29 762
11 663
23 478
After tax
-17 934
46 238
64 337
52 522
Living cost
38 253
38 253
38 253
38 253
Free-cash
-56 187
7 985
26 084
14 269

Estimated living cost  is ₽38253 per week

₽24820
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3598
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽487
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9348
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Limassol , Cyprus
₽27758
₽27834
₽28558
₽25089
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
-
-
-
76 000
income
-
-
-
7 254
social contributions
-
-
-
11 857
health
-
-
-
1 937
total
-
-
-
21 048
Employee
64 290
64 290
68 997
-
income
6 751
5 951
7 222
-
social contributions
3 124
5 336
5 726
-
health
639
1 093
1 173
-
total
10 514
12 380
14 121
-
Employer
64 290
64 290
68 997
-
social contributions
3 124
5 336
5 726
-
health
697
1 190
1 277
-
total
3 821
6 526
7 003
-
Corporate
34 547
5 184
-
-
income
4 319
647
-
-
total
4 319
647
-
-
Dividends
30 228
4 537
-
-
withholding
5 139
771
-
-
total
5 139
771
-
-
Income
76 000
76 000
76 000
76 000
Total tax
23 793
20 324
21 124
21 048
After tax
52 207
55 676
54 876
54 952
Living cost
27 118
27 118
27 118
27 118
Free-cash
25 089
28 558
27 758
27 834

Estimated living cost  is ₽27118 per week

₽18538
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2118
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽455
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6007
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Edinburgh , United Kingdom
₽17411
₽25446
₽26565
₽21948
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
-
-
-
76 000
income
-
-
-
14 701
pensions
-
-
-
5 474
total
-
-
-
20 175
Employee
41 700
-
67 019
-
income
7 594
-
11 947
-
health
544
-
1 063
-
pensions
3 183
-
6 221
-
total
11 321
-
19 231
-
Employer
41 700
-
67 019
-
pensions
4 213
-
7 706
-
health
793
-
1 273
-
total
5 006
-
8 979
-
Corporate
29 295
76 000
-
-
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.

5 566
14 440
-
-
total
5 566
14 440
-
-
Dividends
23 729
61 560
-
-
withholding
1 780
4 616
-
-
total
1 780
4 616
-
-
Income
76 000
76 000
76 000
76 000
Total tax
23 673
19 056
28 210
20 175
After tax
52 327
56 944
47 790
55 825
Living cost
30 379
30 379
30 379
30 379
Free-cash
21 948
26 565
17 411
25 446

Estimated living cost  is ₽30379 per week

₽20840
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2794
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽380
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6364
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details

Additional information

The only visa which will gain you entry to the UK as a freelancer is Tier 1 (with an exception of EU nationals or long-term UK residence permit holders, up until Brexit). There are two Tier 1 visa pathways.

You can either apply for an Entrepreneur visa which requires an investment of at least £200000 and creating two full time jobs, or choose an Exceptional Talent visa, which has no financial requirements but is more difficult to obtain.

Rome , Italy
₽2100
₽5576
₽6725
₽2921
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
-
-
-
76 000
municipal
-
-
-
508
regional
-
-
-
1 448
national
-
-
-
15 614
social contributions
-
-
-
19 547
total
-
-
-
37 117
Employee
70 453
-
76 000
-
regional
1 064
-
1 208
-
social contributions
23 756
-
25 627
-
national
11 906
-
13 304
-
municipal
420
-
454
-
total
37 146
-
40 593
-
Employer
70 453
-
76 000
-
total
-
-
-
-
Corporate
5 547
76 000
-
-
nationa
1 331
18 240
-
-
municipal
268
3 663
-
-
total
1 599
21 903
-
-
Dividends
3 948
54 097
-
-
withholding
1 027
14 065
-
-
total
1 027
14 065
-
-
Income
76 000
76 000
76 000
76 000
Total tax
39 772
35 968
40 593
37 117
After tax
36 228
40 032
35 407
38 883
Living cost
33 307
33 307
33 307
33 307
Free-cash
2 921
6 725
2 100
5 576

Estimated living cost  is ₽33307 per week

₽23396
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2291
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽503
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7116
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Gdansk , Poland
₽21561
₽34710
-₽11319
₽3477
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
-
-
-
76 000
income
-
-
-
18 283
health
-
-
-
1 732
accident
-
-
-
201
pensions
-
-
-
3 305
other
-
-
-
294
total
-
-
-
23 815
Employee
27 489
-
64 588
-
income
3 771
-
12 096
-
health
3 148
-
7 396
-
pensions
3 095
-
6 060
-
total
10 014
-
25 552
-
Employer
27 489
-
64 588
-
unemployment
673
-
1 583
-
pensions
4 470
-
8 751
-
accident
459
-
1 078
-
total
5 602
-
11 412
-
Corporate
42 908
76 000
-
-
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.

38 617
68 400
-
-
total
38 617
68 400
-
-
Dividends
4 291
7 600
-
-
withholding
815
1 444
-
-
total
815
1 444
-
-
Income
76 000
76 000
76 000
76 000
Total tax
55 048
69 844
36 964
23 815
After tax
20 952
6 156
39 036
52 185
Living cost
17 475
17 475
17 475
17 475
Free-cash
3 477
-11 319
21 561
34 710

Estimated living cost  is ₽17475 per week

₽12808
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽968
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽365
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3335
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Poland permits registration as a sole-trader only for EU nationals or long-term EU resident permit holders. Other nationals should use a business incubator or set up a company and hire themselves as an employee.

Berlin , Germany
₽22687
₽17359
₽6951
₽17886
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.

-
-
-
76 000
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.

-
-
-
14 524
health

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

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

-
-
-
5 712
trade
-
-
-
5 328
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.

-
-
-
798
total
-
-
-
26 362
Employee

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

41 600
-
76 000
-
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.

3 421
-
14 524
-
health

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

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

5 712
-
5 712
-
surtax

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

189
-
798
-
total
9 322
-
21 034
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
34 400
76 000
-
-
chamber of commerce
178
238
-
-
income
5 160
11 400
-
-
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.

284
627
-
-
trade
4 936
10 906
-
-
total
10 558
23 171
-
-
Dividends
23 843
52 829
-
-
withholding
5 644
12 890
-
-
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.

311
709
-
-
total
5 955
13 599
-
-
Income
76 000
76 000
76 000
76 000
Total tax
25 835
36 770
21 034
26 362
After tax
50 165
39 230
54 966
49 638
Living cost
32 279
32 279
32 279
32 279
Free-cash
17 886
6 951
22 687
17 359

Estimated living cost  is ₽32279 per week

₽22266
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3473
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽468
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6070
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Nationals of Europe, Australia, Canada, Israel, Japan, the Republic of Korea, New Zealand and the USA do not require an entry type D visa (not to confuse with a Schengen visa or a visa-free entry). For other nationals, waiting time is around 6-9 months which includes document preparation and processing.

Riga , Latvia
₽25530
₽23264
₽43406
₽36547
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.

-
-
-
76 000
microenterprise
-
-
-
-
income
-
-
-
10 908
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.

-
-
-
24 434
surtax
-
-
-
-
total
-
-
-
35 342
Employee
24 431
-
61 246
-
income
4 349
-
11 585
-
social contributions

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

2 688
-
6 737
-
surtax
-
-
-
-
total
7 037
-
18 322
-
Employer
24 431
-
61 246
-
social contributions

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

5 885
-
14 754
-
surtax
-
-
-
-
total
5 885
-
14 754
-
Corporate
45 685
76 000
-
-
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%.

9 137
15 200
-
-
total
9 137
15 200
-
-
Dividends

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

36 547
60 800
-
-
total
-
-
-
-
Income
76 000
76 000
76 000
76 000
Total tax
22 059
15 200
33 076
35 342
After tax
53 941
60 800
42 924
40 658
Living cost
17 394
17 394
17 394
17 394
Free-cash
36 547
43 406
25 530
23 264

Estimated living cost  is ₽17394 per week

₽11097
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1656
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽395
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4246
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Istanbul , Turkey
₽31476
₽32245
₽36616
₽34841
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
-
-
-
76 000
income
-
-
-
19 348
health
-
-
-
5 716
pensions
-
-
-
7 883
total
-
-
-
32 947
Employee
16 461
-
67 131
-
income
3 184
-
18 934
-
health
823
-
1 971
-
unemployment
165
-
394
-
pensions
1 481
-
3 548
-
total
5 653
-
24 847
-
Employer
16 461
-
67 131
-
unemployment
329
-
788
-
pensions
1 811
-
4 336
-
health
1 564
-
3 745
-
total
3 704
-
8 869
-
Corporate
55 835
76 000
-
-
income
12 284
16 720
-
-
total
12 284
16 720
-
-
Dividends
43 551
59 280
-
-
withholding
8 710
11 856
-
-
total
8 710
11 856
-
-
Income
76 000
76 000
76 000
76 000
Total tax
30 351
28 576
33 716
32 947
After tax
45 649
47 424
42 284
43 053
Living cost
10 808
10 808
10 808
10 808
Free-cash
34 841
36 616
31 476
32 245

Estimated living cost  is ₽10808 per week

₽6423
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽876
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽248
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3261
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details
Athens , Greece
₽19641
₽21102
₽29025
₽26367
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
-
-
-
76 000
income
-
-
-
13 765
health
-
-
-
5 396
unemployment
-
-
-
190
surtax
-
-
-
1 568
pensions
-
-
-
15 200
other
-
-
-
-
total
-
-
-
36 119
Employee
28 156
-
62 784
-
other
-
-
-
-
income
4 720
-
12 807
-
health
719
-
1 601
-
unemployment
1 959
-
4 370
-
surtax
100
-
1 399
-
pensions
1 879
-
4 187
-
total
9 377
-
24 364
-
Employer
28 156
-
62 784
-
unemployment
893
-
1 990
-
pensions
3 754
-
8 369
-
other
-
-
-
-
health
1 280
-
2 857
-
total
5 927
-
13 216
-
Corporate
41 916
76 000
-
-
income
10 898
19 760
-
-
total
10 898
19 760
-
-
Dividends
31 018
56 240
-
-
withholding
4 652
8 436
-
-
total
4 652
8 436
-
-
Income
76 000
76 000
76 000
76 000
Total tax
30 854
28 196
37 580
36 119
After tax
45 146
47 804
38 420
39 881
Living cost
18 779
18 779
18 779
18 779
Free-cash
26 367
29 025
19 641
21 102

Estimated living cost  is ₽18779 per week

₽11338
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1633
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽436
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5374
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details
Graz , Austria
-₽2311
₽12595
₽16145
₽15735
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
-
-
-
76 000
income
-
-
-
11 424
chamber of commerce
-
-
-
305
health
-
-
-