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
₽ 77000
per

Your estimated
City
free-cash

Valencia , Spain
₽17246
₽16701
₽27826
₽23235
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
-
-
-
77 000
income
-
-
-
13 123
accident
-
-
-
693
unemployment
-
-
-
538
pensions
-
-
-
21 791
other
-
-
-
76
total
-
-
-
36 221
Employee
32 377
-
58 386
-
other
32
-
58
-
income
6 242
-
13 355
-
unemployment
502
-
906
-
pensions
1 522
-
2 743
-
total
8 298
-
17 062
-
Employer
32 377
-
58 386
-
unemployment
1 781
-
3 212
-
pensions
7 640
-
13 778
-
other
259
-
467
-
accident
641
-
1 157
-
total
10 321
-
18 614
-
Corporate
34 301
77 000
-
-
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.

5 144
11 550
-
-
total
5 144
11 550
-
-
Dividends
29 157
65 450
-
-
withholding
5 924
13 546
-
-
total
5 924
13 546
-
-
Income
77 000
77 000
77 000
77 000
Total tax
29 687
25 096
35 676
36 221
After tax
47 313
51 904
41 324
40 779
Living cost
24 078
24 078
24 078
24 078
Free-cash
23 235
27 826
17 246
16 701

Estimated living cost  is ₽24078 per week

₽16253
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2315
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.
₽5090
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
₽21802
₽18364
₽33240
₽27329
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
-
-
-
77 000
income
-
-
-
9 780
health
-
-
-
3 388
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.

-
-
-
18 479
other
-
-
-
3 657
total
-
-
-
35 304
Employee
31 793
-
61 502
-
income
5 473
-
10 586
-
health
445
-
861
-
unemployment
317
-
615
-
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.

2 225
-
4 305
-
total
8 460
-
16 367
-
Employer
31 793
-
61 502
-
unemployment
317
-
615
-
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.

5 405
-
10 455
-
other
1 590
-
3 076
-
accident
254
-
492
-
health
445
-
861
-
total
8 011
-
15 499
-
Corporate
37 195
77 000
-
-
income
7 811
16 169
-
-
total
7 811
16 169
-
-
Dividends
29 383
60 831
-
-
withholding
2 057
4 259
-
-
total
2 057
4 259
-
-
Income
77 000
77 000
77 000
77 000
Total tax
26 339
20 428
31 866
35 304
After tax
50 661
56 572
45 134
41 696
Living cost
23 332
23 332
23 332
23 332
Free-cash
27 329
33 240
21 802
18 364

Estimated living cost  is ₽23332 per week

₽16485
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1575
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽376
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.
₽4895
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
₽47991
₽45803
₽54354
₽50288
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
-
-
-
77 000
income
-
-
-
11 550
health
-
-
-
3 517
unemployment
-
-
-
122
pensions

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

-
-
-
4 527
total
-
-
-
19 716
Employee
15 202
-
70 999
-
income
1 520
-
7 099
-
health
699
-
1 407
-
accident

We are using the highest rate at 1.1%.

167
-
336
-
pensions

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

1 335
-
2 686
-
total
3 721
-
11 528
-
Employer
15 202
-
70 999
-
unemployment
91
-
184
-
pensions

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

1 675
-
3 370
-
accident

We are using the highest rate at 1.1%.

167
-
336
-
health
1 049
-
2 110
-
total
2 982
-
6 000
-
Corporate
58 815
77 000
-
-
income
5 881
7 700
-
-
total
5 881
7 700
-
-
Dividends
52 934
69 300
-
-
withholding
2 647
3 465
-
-
total
2 647
3 465
-
-
Income
77 000
77 000
77 000
77 000
Total tax
15 231
11 165
17 528
19 716
After tax
61 769
65 835
59 472
57 284
Living cost
11 481
11 481
11 481
11 481
Free-cash
50 288
54 354
47 991
45 803

Estimated living cost  is ₽11481 per week

₽6703
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽820
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽304
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.
₽3654
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
₽14631
₽14682
₽8849
₽14023
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
-
-
-
77 000
income
-
-
-
5 839
social contributions
-
-
-
2 195
health
-
-
-
846
surtax
-
-
-
-
pensions
-
-
-
21 092
other
-
-
-
2 388
total
-
-
-
32 360
Employee
37 475
-
58 675
-
income
2 212
-
5 779
-
social contributions
1 068
-
1 672
-
surtax
-
-
-
-
pensions
4 237
-
6 635
-
total
7 517
-
14 086
-
Employer
37 475
-
58 675
-
unemployment
1 517
-
2 376
-
social contributions
113
-
176
-
pensions
6 156
-
9 641
-
other
1 293
-
2 024
-
health
2 624
-
4 108
-
total
11 703
-
18 325
-
Corporate
27 822
77 000
-
-
income
7 790
21 560
-
-
surtax
-
-
-
-
total
7 790
21 560
-
-
Dividends
20 032
55 440
-
-
withholding
2 564
7 097
-
-
surtax
-
-
-
-
social contributions
3 445
9 536
-
-
total
6 009
16 633
-
-
Income
77 000
77 000
77 000
77 000
Total tax
33 019
38 193
32 411
32 360
After tax
43 981
38 807
44 589
44 640
Living cost
29 958
29 958
29 958
29 958
Free-cash
14 023
8 849
14 631
14 682

Estimated living cost  is ₽29958 per week

₽18890
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2436
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽510
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.
₽8124
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
-₽9950
₽7085
-₽5035
-₽9950
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
-
-
-
77 000
income
-
-
-
13 087
health
-
-
-
9 888
pensions
-
-
-
10 259
total
-
-
-
33 234
Employee
74 774
74 774
74 774
-
income

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

12 239
12 239
12 239
-
health
11 477
9 762
11 477
-
pensions
13 459
10 259
13 459
-
total
37 175
32 260
37 175
-
Employer
74 774
74 774
74 774
-
unemployment
2 692
2 692
2 692
-
pensions
5 204
5 204
5 204
-
health
5 198
5 198
5 198
-
total
13 094
13 094
13 094
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Income
77 000
77 000
77 000
77 000
Total tax
50 269
45 354
50 269
33 234
After tax
26 731
31 646
26 731
43 766
Living cost
36 681
36 681
36 681
36 681
Free-cash
-9 950
-5 035
-9 950
7 085

Estimated living cost  is ₽36681 per week

₽25995
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3307
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽583
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6796
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
₽29452
₽23736
₽12441
₽22124
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.

-
-
-
77 000
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.

-
-
-
14 260
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.

-
-
-
5 982
trade
-
-
-
5 716
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.

-
-
-
784
total
-
-
-
26 742
Employee

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

33 491
-
77 000
-
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.

936
-
14 260
-
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.

5 982
-
5 982
-
surtax

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

52
-
784
-
total
6 970
-
21 026
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
43 509
77 000
-
-
chamber of commerce
196
244
-
-
income
6 527
11 550
-
-
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.

359
635
-
-
trade
6 853
12 127
-
-
total
13 935
24 556
-
-
Dividends
29 575
52 444
-
-
withholding
7 060
12 778
-
-
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.

389
703
-
-
total
7 449
13 481
-
-
Income
77 000
77 000
77 000
77 000
Total tax
28 354
38 037
21 026
26 742
After tax
48 646
38 963
55 974
50 258
Living cost
26 522
26 522
26 522
26 522
Free-cash
22 124
12 441
29 452
23 736

Estimated living cost  is ₽26522 per week

₽16683
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3092
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.
₽6251
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
₽35715
₽35790
₽36151
₽31384
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
-
-
-
77 000
income
-
-
-
6 961
social contributions
-
-
-
12 012
health
-
-
-
1 964
total
-
-
-
20 937
Employee
67 331
67 331
69 905
-
income
7 331
6 233
6 927
-
social contributions
2 546
5 588
5 802
-
health
522
1 145
1 188
-
total
10 399
12 966
13 917
-
Employer
67 331
67 331
69 905
-
social contributions
2 546
5 588
5 802
-
health
567
1 246
1 293
-
total
3 113
6 834
7 095
-
Corporate
43 216
2 835
-
-
income
5 402
354
-
-
total
5 402
354
-
-
Dividends
37 814
2 481
-
-
withholding
6 429
422
-
-
total
6 429
422
-
-
Income
77 000
77 000
77 000
77 000
Total tax
25 343
20 576
21 012
20 937
After tax
51 657
56 424
55 988
56 063
Living cost
20 273
20 273
20 273
20 273
Free-cash
31 384
36 151
35 715
35 790

Estimated living cost  is ₽20273 per week

₽12150
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1989
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽449
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.
₽5686
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
₽12423
₽15925
₽16334
₽15451
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.

-
-
-
77 000
income
-
-
-
6 853
social contributions

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

-
-
-
26 757
surtax
-
-
-
-
total
-
-
-
33 610
Employee
40 272
-
62 221
-
income
8 377
-
15 491
-
social contributions
4 430
-
6 844
-
surtax
-
-
-
-
total
12 807
-
22 335
-
Employer
40 272
-
62 221
-
social contributions
9 564
-
14 777
-
total
9 564
-
14 777
-
Corporate
27 164
77 000
-
-
income
5 704
16 169
-
-
surtax
-
-
-
-
total
5 704
16 169
-
-
Dividends
21 460
60 831
-
-
withholding
6 009
17 032
-
-
total
6 009
17 032
-
-
Income
77 000
77 000
77 000
77 000
Total tax
34 084
33 201
37 112
33 610
After tax
42 916
43 799
39 888
43 390
Living cost
27 465
27 465
27 465
27 465
Free-cash
15 451
16 334
12 423
15 925

Estimated living cost  is ₽27465 per week

₽20550
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1620
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽459
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.
₽4837
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
₽55313
₽69943
₽66863
₽65684
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%.

-
-
-
77 000
microenterprise

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

-
-
-
770
total
-
-
-
770
Employee
7 859
-
77 000
-
income
1 572
-
15 400
-
total
1 572
-
15 400
-
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%.

69 141
77 000
-
-
total
-
-
-
-
Dividends
69 141
77 000
-
-
withholding
3 457
3 850
-
-
total
3 457
3 850
-
-
Income
77 000
77 000
77 000
77 000
Total tax
5 029
3 850
15 400
770
After tax
71 971
73 150
61 600
76 230
Living cost
6 287
6 287
6 287
6 287
Free-cash
65 684
66 863
55 313
69 943

Estimated living cost  is ₽6287 per week

₽3896
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽523
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽173
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.
₽1695
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
₽14608
₽16814
₽29528
₽22205
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.

-
-
-
77 000
income
-
-
-
14 944
health
-
-
-
7 577
unemployment
-
-
-
116
pensions
-
-
-
14 063
total
-
-
-
36 700
Employee

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

38 720
-
66 626
-
income
6 677
-
13 808
-
health
2 501
-
4 304
-
unemployment
55
-
93
-
pensions
6 002
-
10 327
-
total
15 235
-
28 532
-
Employer

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

38 720
-
66 626
-
unemployment
23
-
40
-
pensions
3 426
-
5 897
-
health
2 579
-
4 437
-
total
6 028
-
10 374
-
Corporate
32 252
77 000
-
-
income
6 128
14 631
-
-
total
6 128
14 631
-
-
Dividends
26 123
62 369
-
-
withholding
3 918
9 355
-
-
total
3 918
9 355
-
-
Income
77 000
77 000
77 000
77 000
Total tax
31 309
23 986
38 906
36 700
After tax
45 691
53 014
38 094
40 300
Living cost
23 486
23 486
23 486
23 486
Free-cash
22 205
29 528
14 608
16 814

Estimated living cost  is ₽23486 per week

₽16118
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1505
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.
₽5409
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
₽24600
₽14579
₽13639
₽18126
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.

-
-
-
77 000
income
-
-
-
24 925
health

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

-
-
-
5 711
total
-
-
-
30 636
Employee
40 168
-
72 972
-
social contributions
4 025
-
4 028
-
income
4 358
-
12 559
-
total
8 383
-
16 587
-
Employer
40 168
-
72 972
-
social contributions
4 025
-
4 028
-
total
4 025
-
4 028
-
Corporate
32 807
77 000
-
-
income
11 482
26 950
-
-
total
11 482
26 950
-
-
Dividends
21 325
50 050
-
-
social contributions
3 199
4 626
-
-
total
3 199
4 626
-
-
Income
77 000
77 000
77 000
77 000
Total tax
27 089
31 576
20 615
30 636
After tax
49 911
45 424
56 385
46 364
Living cost
31 785
31 785
31 785
31 785
Free-cash
18 126
13 639
24 600
14 579

Estimated living cost  is ₽31785 per week

₽20937
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2506
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.
₽7855
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
₽31563
₽30882
₽28410
₽28864
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
-
-
-
77 000
income
-
-
-
11 550
social contributions
-
-
-
10 626
health
-
-
-
5 375
total
-
-
-
27 551
Employee
29 689
-
77 000
-
income
4 952
-
10 869
-
social contributions
4 098
-
10 626
-
health
2 072
-
5 375
-
total
11 122
-
26 870
-
Employer
29 689
-
77 000
-
total
-
-
-
-
Corporate
47 311
77 000
-
-
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%.

2 366
3 850
-
-
total
2 366
3 850
-
-
Dividends
44 945
73 150
-
-
withholding
6 741
10 972
-
-
health
3 137
5 106
-
-
social contributions
6 203
10 095
-
-
total
16 081
26 173
-
-
Income
77 000
77 000
77 000
77 000
Total tax
29 569
30 023
26 870
27 551
After tax
47 431
46 977
50 130
49 449
Living cost
18 567
18 567
18 567
18 567
Free-cash
28 864
28 410
31 563
30 882

Estimated living cost  is ₽18567 per week

₽12426
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1145
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽427
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.
₽4568
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
₽15341
₽13770
₽29281
₽20815
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
-
-
-
77 000
income
-
-
-
6 618
social contributions
-
-
-
22 484
solidarity contribution
-
-
-
-
health
-
-
-
10 395
total
-
-
-
39 497
Employee
34 901
-
57 463
-
solidarity contribution
-
-
-
-
income
4 188
-
6 896
-
social contributions
2 269
-
3 735
-
health
4 712
-
7 757
-
total
11 169
-
18 388
-
Employer
34 901
-
57 463
-
social contributions
8 725
-
14 366
-
health
3 141
-
5 172
-
total
11 866
-
19 538
-
Corporate
30 233
77 000
-
-
income
5 744
14 630
-
-
total
5 744
14 630
-
-
Dividends
24 489
62 370
-
-
withholding
3 673
9 356
-
-
total
3 673
9 356
-
-
Income
77 000
77 000
77 000
77 000
Total tax
32 452
23 986
37 926
39 497
After tax
44 548
53 014
39 074
37 503
Living cost
23 733
23 733
23 733
23 733
Free-cash
20 815
29 281
15 341
13 770

Estimated living cost  is ₽23733 per week

₽17649
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1315
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽411
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.
₽4358
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
₽51803
₽66433
₽63353
₽61516
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%.

-
-
-
77 000
microenterprise

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

-
-
-
770
total
-
-
-
770
Employee
12 247
-
77 000
-
income
2 449
-
15 400
-
total
2 449
-
15 400
-
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%.

64 753
77 000
-
-
total
-
-
-
-
Dividends
64 753
77 000
-
-
withholding
3 238
3 850
-
-
total
3 238
3 850
-
-
Income
77 000
77 000
77 000
77 000
Total tax
5 687
3 850
15 400
770
After tax
71 313
73 150
61 600
76 230
Living cost
9 797
9 797
9 797
9 797
Free-cash
61 516
63 353
51 803
66 433

Estimated living cost  is ₽9797 per week

₽6630
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽411
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽329
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.
₽2427
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
₽2298
₽2349
-₽3484
₽2536
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
-
-
-
77 000
income
-
-
-
5 839
social contributions
-
-
-
2 195
health
-
-
-
846
surtax
-
-
-
-
pensions
-
-
-
21 092
other
-
-
-
2 388
total
-
-
-
32 360
Employee
54 842
-
58 675
-
income
4 785
-
5 779
-
social contributions
1 562
-
1 672
-
surtax
-
-
-
-
pensions
6 203
-
6 635
-
total
12 550
-
14 086
-
Employer
54 842
-
58 675
-
unemployment
2 222
-
2 376
-
social contributions
165
-
176
-
pensions
9 011
-
9 641
-
other
1 893
-
2 024
-
health
3 838
-
4 108
-
total
17 129
-
18 325
-
Corporate
5 030
77 000
-
-
income
1 409
21 560
-
-
surtax
-
-
-
-
total
1 409
21 560
-
-
Dividends
3 621
55 440
-
-
withholding
464
7 097
-
-
surtax
-
-
-
-
social contributions
621
9 536
-
-
total
1 085
16 633
-
-
Income
77 000
77 000
77 000
77 000
Total tax
32 173
38 193
32 411
32 360
After tax
44 827
38 807
44 589
44 640
Living cost
42 291
42 291
42 291
42 291
Free-cash
2 536
-3 484
2 298
2 349

Estimated living cost  is ₽42291 per week

₽28622
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3460
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽580
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.
₽9629
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
₽24380
₽24379
₽40527
₽36229
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.

-
-
-
77 000
income
-
-
-
13 116
health
-
-
-
6 649
unemployment
-
-
-
968
pensions
-
-
-
16 783
total
-
-
-
37 516
Employee

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

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

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

22 777
-
65 446
-
income
3 140
-
13 116
-
health
1 173
-
3 324
-
unemployment
171
-
484
-
pensions
3 189
-
9 037
-
total
7 673
-
25 961
-
Employer

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

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

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

22 777
-
65 446
-
unemployment
171
-
484
-
pensions
2 733
-
7 746
-
health
1 173
-
3 324
-
total
4 077
-
11 554
-
Corporate
50 146
77 000
-
-
income
7 522
11 550
-
-
total
7 522
11 550
-
-
Dividends
42 624
65 450
-
-
withholding
6 394
9 818
-
-
total
6 394
9 818
-
-
Income
77 000
77 000
77 000
77 000
Total tax
25 666
21 368
37 515
37 516
After tax
51 334
55 632
39 485
39 484
Living cost
15 105
15 105
15 105
15 105
Free-cash
36 229
40 527
24 380
24 379

Estimated living cost  is ₽15105 per week

₽10170
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1168
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽437
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.
₽3329
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
-₽628
₽3279
-₽25892
-₽1315
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
-
-
-
77 000
regional
-
-
-
2 560
national
-
-
-
427
health
-
-
-
199
city
-
-
-
811
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.

-
-
-
1 539
pensions
-
-
-
7 084
total
-
-
-
12 620
Employee
71 504
-
68 920
-
regional
2 341
-
2 202
-
city
767
-
741
-
health
162
-
155
-
unemployment
-
-
-
-
national
338
-
318
-
pensions
6 007
-
5 789
-
total
9 615
-
9 205
-
Employer
71 504
-
68 920
-
unemployment
-
-
-
-
pensions
6 007
-
5 789
-
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.

1 430
-
1 378
-
health
162
-
155
-
total
7 599
-
7 322
-
Corporate
-
77 000
-
-
regional
-
16 286
-
-
national
-
6 546
-
-
total
-
22 832
-
-
Dividends
-
54 168
-
-
withholding
-
18 959
-
-
total
-
18 959
-
-
Income
77 000
77 000
77 000
77 000
Total tax
17 214
41 791
16 527
12 620
After tax
59 786
35 209
60 473
64 380
Living cost
61 101
61 101
61 101
61 101
Free-cash
-1 315
-25 892
-628
3 279

Estimated living cost  is ₽61101 per week

₽39733
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5483
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽750
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.
₽15134
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
₽11148
₽22244
₽18387
₽15390
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

-
-
-
77 000
municipal
-
-
-
13 712
national
-
-
-
6 606
health
-
-
-
821
total
-
-
-
21 139
Employee
46 068
-
64 777
-
health
344
-
631
-
unemployment
691
-
972
-
national
761
-
3 453
-
municipal
7 546
-
10 585
-
pensions
3 109
-
4 372
-
total
12 451
-
20 013
-
Employer
46 068
-
64 777
-
unemployment
299
-
420
-
pensions
7 993
-
11 239
-
accident
47
-
65
-
health
354
-
498
-
total
8 693
-
12 222
-
Corporate
22 240
77 000
-
-
income
4 448
15 400
-
-
total
4 448
15 400
-
-
Dividends

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

13 344
46 200
-
-
national
-
1 279
-
-
municipal
2 401
8 317
-
-
total
2 401
9 596
-
-
Income
77 000
77 000
77 000
77 000
Total tax
27 993
24 996
32 235
21 139
After tax
49 007
52 004
44 765
55 861
Living cost
33 617
33 617
33 617
33 617
Free-cash
15 390
18 387
11 148
22 244

Estimated living cost  is ₽33617 per week

₽21959
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3234
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽535
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.
₽7891
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
-₽1277
₽5443
₽11298
-₽3866
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
-
-
-
77 000
national
-
-
-
24 256
social contributions
-
-
-
11 442
communal

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

-
-
-
3 933
total
-
-
-
39 631
Employee

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

62 633
-
59 639
-
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.

2 943
-
2 803
-
communal

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

3 267
-
3 111
-
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.

545
-
518
-
national
19 256
-
18 085
-
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.

4 697
-
4 473
-
total
30 708
-
28 990
-
Employer

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

62 633
-
59 639
-
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.

914
-
871
-
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.

5 550
-
5 284
-
surtax
7 102
-
6 763
-
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.

814
-
776
-
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.

3 852
-
3 667
-
total
18 232
-
17 361
-
Corporate
-
77 000
-
-
income
-
15 400
-
-
surtax
-
307
-
-
total
-
15 707
-
-
Dividends
-
61 292
-
-
withholding

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

-
18 069
-
-
total
-
18 069
-
-
Income
77 000
77 000
77 000
77 000
Total tax
48 940
33 776
46 351
39 631
After tax
28 060
43 224
30 649
37 369
Living cost
31 926
31 926
31 926
31 926
Free-cash
-3 866
11 298
-1 277
5 443

Estimated living cost  is ₽31926 per week

₽20565
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2792
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽500
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8071
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
₽5186
₽2451
₽6109
₽5301
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
-
-
-
77 000
municipal
-
-
-
16 309
national
-
-
-
-
health
-
-
-
4 805
accident
-
-
-
154
unemployment
-
-
-
77
pensions
-
-
-
8 324
other
-
-
-
8 947
total
-
-
-
38 616
Employee
51 201
-
58 591
-
national
-
-
-
-
municipal
15 268
-
17 472
-
total
15 268
-
17 472
-
Employer
51 201
-
58 591
-
unemployment
1 352
-
1 547
-
pensions
5 535
-
6 334
-
other
5 950
-
6 808
-
accident
102
-
117
-
health
3 149
-
3 603
-
total
16 088
-
18 409
-
Corporate
9 712
77 000
-
-
income
2 137
16 940
-
-
total
2 137
16 940
-
-
Dividends
7 576
60 060
-
-
withholding
2 273
18 018
-
-
total
2 273
18 018
-
-
Income
77 000
77 000
77 000
77 000
Total tax
35 766
34 958
35 881
38 616
After tax
41 234
42 042
41 119
38 384
Living cost
35 933
35 933
35 933
35 933
Free-cash
5 301
6 109
5 186
2 451

Estimated living cost  is ₽35933 per week

₽23815
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3526
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽546
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.
₽8046
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
₽25868
₽14028
₽7662
-₽58406
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
-
-
-
77 000
income
-
-
-
15 009
social contributions
-
-
-
8 778
total
-
-
-
23 787
Employee
56 185
-
-
-
income
12 393
-
-
-
social contributions
4 607
-
657
-
total
17 000
-
657
-
Employer
56 185
-
-
-
social contributions
79 221
-
11 290
-
total
79 221
-
11 290
-
Corporate
-
77 000
-
-
income
-
16 940
-
-
total
-
16 940
-
-
Dividends
-
60 060
-
-
income
-
13 213
-
-
total
-
13 213
-
-
Income
77 000
77 000
77 000
77 000
Total tax
96 221
30 153
11 947
23 787
After tax
-19 221
46 847
65 053
53 213
Living cost
39 185
39 185
39 185
39 185
Free-cash
-58 406
7 662
25 868
14 028

Estimated living cost  is ₽39185 per week

₽25425
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3685
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽499
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.
₽9575
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
₽27587
₽27662
₽28023
₽24390
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
-
-
-
77 000
income
-
-
-
6 961
social contributions
-
-
-
12 012
health
-
-
-
1 964
total
-
-
-
20 937
Employee
67 331
67 331
69 905
-
income
7 070
6 233
6 927
-
social contributions
3 272
5 588
5 802
-
health
670
1 145
1 188
-
total
11 012
12 966
13 917
-
Employer
67 331
67 331
69 905
-
social contributions
3 272
5 588
5 802
-
health
729
1 246
1 293
-
total
4 001
6 834
7 095
-
Corporate
33 586
2 835
-
-
income
4 199
354
-
-
total
4 199
354
-
-
Dividends
29 387
2 481
-
-
withholding
4 997
422
-
-
total
4 997
422
-
-
Income
77 000
77 000
77 000
77 000
Total tax
24 209
20 576
21 012
20 937
After tax
52 791
56 424
55 988
56 063
Living cost
28 401
28 401
28 401
28 401
Free-cash
24 390
28 023
27 587
27 662

Estimated living cost  is ₽28401 per week

₽19415
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.
₽477
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.
₽6291
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
₽16740
₽25261
₽25931
₽21106
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
-
-
-
77 000
income
-
-
-
14 476
pensions
-
-
-
5 502
total
-
-
-
19 978
Employee
43 596
-
67 944
-
income
7 939
-
12 125
-
health
569
-
1 068
-
pensions
3 327
-
6 250
-
total
11 835
-
19 443
-
Employer
43 596
-
67 944
-
pensions
4 405
-
7 764
-
health
829
-
1 292
-
total
5 234
-
9 056
-
Corporate
28 171
77 000
-
-
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.

5 352
14 630
-
-
total
5 352
14 630
-
-
Dividends
22 819
62 370
-
-
withholding
1 712
4 678
-
-
total
1 712
4 678
-
-
Income
77 000
77 000
77 000
77 000
Total tax
24 133
19 308
28 499
19 978
After tax
52 867
57 692
48 501
57 022
Living cost
31 761
31 761
31 761
31 761
Free-cash
21 106
25 931
16 740
25 261

Estimated living cost  is ₽31761 per week

₽21788
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2921
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽397
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.
₽6653
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
₽1217
₽4739
₽5677
₽1694
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
-
-
-
77 000
municipal
-
-
-
515
regional
-
-
-
1 440
national
-
-
-
15 619
social contributions
-
-
-
19 805
total
-
-
-
37 379
Employee
73 785
-
77 000
-
regional
1 114
-
1 199
-
social contributions
24 880
-
25 965
-
national
12 469
-
13 278
-
municipal
440
-
459
-
total
38 903
-
40 901
-
Employer
73 785
-
77 000
-
total
-
-
-
-
Corporate
3 215
77 000
-
-
nationa
771
18 479
-
-
municipal
155
3 712
-
-
total
926
22 191
-
-
Dividends
2 290
54 809
-
-
withholding
595
14 250
-
-
total
595
14 250
-
-
Income
77 000
77 000
77 000
77 000
Total tax
40 424
36 441
40 901
37 379
After tax
36 576
40 559
36 099
39 621
Living cost
34 882
34 882
34 882
34 882
Free-cash
1 694
5 677
1 217
4 739

Estimated living cost  is ₽34882 per week

₽24503
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2399
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽527
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.
₽7452
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
₽21438
₽34858
-₽11785
₽3472
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
-
-
-
77 000
income
-
-
-
18 415
health
-
-
-
1 786
accident
-
-
-
207
pensions
-
-
-
3 408
other
-
-
-
304
total
-
-
-
24 120
Employee
28 349
-
65 285
-
income
3 889
-
12 100
-
health
3 246
-
7 475
-
pensions
3 192
-
6 250
-
total
10 327
-
25 825
-
Employer
28 349
-
65 285
-
unemployment
695
-
1 600
-
pensions
4 610
-
9 025
-
accident
473
-
1 090
-
total
5 778
-
11 715
-
Corporate
42 874
77 000
-
-
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.

38 586
69 300
-
-
total
38 586
69 300
-
-
Dividends
4 287
7 700
-
-
withholding
815
1 463
-
-
total
815
1 463
-
-
Income
77 000
77 000
77 000
77 000
Total tax
55 506
70 763
37 540
24 120
After tax
21 494
6 237
39 460
52 880
Living cost
18 022
18 022
18 022
18 022
Free-cash
3 472
-11 785
21 438
34 858

Estimated living cost  is ₽18022 per week

₽13208
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽998
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽376
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.
₽3439
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
₽22169
₽16961
₽5949
₽17401
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.

-
-
-
77 000
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.

-
-
-
14 260
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.

-
-
-
5 982
trade
-
-
-
5 208
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.

-
-
-
784
total
-
-
-
26 234
Employee

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

43 567
-
77 000
-
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.

3 583
-
14 260
-
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.

5 982
-
5 982
-
surtax

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

198
-
784
-
total
9 763
-
21 026
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
33 433
77 000
-
-
chamber of commerce
183
246
-
-
income
5 015
11 550
-
-
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.

276
635
-
-
trade
4 797
11 050
-
-
total
10 271
23 481
-
-
Dividends
23 162
53 519
-
-
withholding
5 459
13 047
-
-
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.

301
718
-
-
total
5 760
13 765
-
-
Income
77 000
77 000
77 000
77 000
Total tax
25 794
37 246
21 026
26 234
After tax
51 206
39 754
55 974
50 766
Living cost
33 805
33 805
33 805
33 805
Free-cash
17 401
5 949
22 169
16 961

Estimated living cost  is ₽33805 per week

₽23320
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3637
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.
₽6357
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
₽25305
₽23008
₽43383
₽36199
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.

-
-
-
77 000
microenterprise
-
-
-
-
income
-
-
-
11 020
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.

-
-
-
24 755
surtax
-
-
-
-
total
-
-
-
35 775
Employee
25 586
-
62 052
-
income
4 555
-
11 704
-
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.

2 815
-
6 826
-
surtax
-
-
-
-
total
7 370
-
18 530
-
Employer
25 586
-
62 052
-
social contributions

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

6 163
-
14 948
-
surtax
-
-
-
-
total
6 163
-
14 948
-
Corporate
45 251
77 000
-
-
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%.

9 051
15 400
-
-
total
9 051
15 400
-
-
Dividends

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

36 200
61 600
-
-
total
-
-
-
-
Income
77 000
77 000
77 000
77 000
Total tax
22 584
15 400
33 478
35 775
After tax
54 416
61 600
43 522
41 225
Living cost
18 217
18 217
18 217
18 217
Free-cash
36 199
43 383
25 305
23 008

Estimated living cost  is ₽18217 per week

₽11622
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1735
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽414
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.
₽4447
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
₽31098
₽31911
₽36620
₽34743
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
-
-
-
77 000
income
-
-
-
19 282
health
-
-
-
6 043
pensions
-
-
-
8 336
total
-
-
-
33 661
Employee
17 406
-
67 622
-
income
3 367
-
18 844
-
health
870
-
2 084
-
unemployment
174
-
417
-
pensions
1 566
-
3 751
-
total
5 977
-
25 096
-
Employer
17 406
-
67 622
-
unemployment
348
-
834
-
pensions
1 915
-
4 585
-
health
1 654
-
3 959
-
total
3 917
-
9 378
-
Corporate
55 678
77 000
-
-
income
12 249
16 940
-
-
total
12 249
16 940
-
-
Dividends
43 429
60 060
-
-
withholding
8 686
12 012
-
-
total
8 686
12 012
-
-
Income
77 000
77 000
77 000
77 000
Total tax
30 829
28 952
34 474
33 661
After tax
46 171
48 048
42 526
43 339
Living cost
11 428
11 428
11 428
11 428
Free-cash
34 743
36 620
31 098
31 911

Estimated living cost  is ₽11428 per week

₽6791
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽926
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽262
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.
₽3449
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
₽19555
₽21031
₽28765
₽25982
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
-
-
-
77 000
income
-
-
-
13 717
health
-
-
-
5 467
unemployment
-
-
-
199
surtax
-
-
-
1 519
pensions
-
-
-
15 400
other
-
-
-
-
total
-
-
-
36 302
Employee
29 488
-
63 609
-
other
-
-
-
-
income
4 943
-
12 748
-
health
753
-
1 622
-
unemployment
2 052
-
4 427
-
surtax
105
-
1 349
-
pensions
1 967
-
4 242
-
total
9 820
-
24 388
-
Employer
29 488
-
63 609
-
unemployment
936
-
2 016
-
pensions
3 931
-
8 479
-
other
-
-
-
-
health
1 341
-
2 895
-
total
6 208
-
13 390
-
Corporate
41 304
77 000
-
-
income
10 739
20 020
-
-
total
10 739
20 020
-
-
Dividends
30 565
56 980
-
-
withholding
4 584
8 548
-
-
total
4 584
8 548
-
-
Income
77 000
77 000
77 000
77 000
Total tax
31 351
28 568
37 778
36 302
After tax
45 649
48 432
39 222
40 698
Living cost
19 667
19 667
19 667
19 667
Free-cash
25 982
28 765
19 555
21 031

Estimated living cost  is ₽19667 per week

₽11874
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1710
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽457
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5628
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
-₽2664
₽12099
₽15498
₽15068
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
-
-
-
77 000
income
-
-
-
11 153
chamber of commerce
-
-
-
307
health
-
-