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
₽ 77500
per

Your estimated
City
free-cash

Valencia , Spain
₽26559
₽19515
₽19938
₽30667
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
-
-
-
77 500
unemployment
-
-
-
509
income
-
-
-
14 219
other
-
-
-
73
accident
-
-
-
654
pensions
-
-
-
20 556
total
-
-
-
36 011
Employee
28 978
-
58 767
-
unemployment
449
-
910
-
pensions
1 362
-
2 762
-
income
5 587
-
13 970
-
other
28
-
59
-
total
7 426
-
17 701
-
Employer
28 978
-
58 767
-
pensions
6 838
-
13 868
-
accident
574
-
1 163
-
unemployment
1 594
-
3 232
-
other
232
-
470
-
total
9 238
-
18 733
-
Corporate
39 283
77 500
-
-
income

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

5 892
11 626
-
-
total
5 892
11 626
-
-
Dividends
33 391
65 874
-
-
withholding
6 834
13 656
-
-
total
6 834
13 656
-
-
Income
77 500
77 500
77 500
77 500
Total tax
29 390
25 282
36 434
36 011
After tax
48 110
52 218
41 066
41 489
Living cost
21 551
21 551
21 551
21 551
Free-cash
26 559
30 667
19 515
19 938

Estimated living cost  is ₽21551 per week

₽14547
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2072
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽378
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.
₽4555
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
₽30762
₽24493
₽21081
₽36056
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
-
-
-
77 500
pensions

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

-
-
-
18 601
income
-
-
-
9 844
other
-
-
-
3 681
health
-
-
-
3 410
total
-
-
-
35 536
Employee
28 456
-
61 900
-
health
399
-
867
-
unemployment
284
-
619
-
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.

1 991
-
4 334
-
income
4 899
-
10 704
-
total
7 573
-
16 524
-
Employer
28 456
-
61 900
-
health
399
-
867
-
pensions

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

4 838
-
10 524
-
accident
228
-
495
-
unemployment
284
-
619
-
other
1 423
-
3 095
-
total
7 172
-
15 600
-
Corporate
41 873
77 500
-
-
income
8 794
16 275
-
-
total
8 794
16 275
-
-
Dividends
33 079
61 225
-
-
withholding
2 316
4 286
-
-
total
2 316
4 286
-
-
Income
77 500
77 500
77 500
77 500
Total tax
25 855
20 561
32 124
35 536
After tax
51 645
56 939
45 376
41 964
Living cost
20 883
20 883
20 883
20 883
Free-cash
30 762
36 056
24 493
21 081

Estimated living cost  is ₽20883 per week

₽14755
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1410
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽336
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.
₽4381
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
₽52353
₽50686
₽48299
₽55993
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
-
-
-
77 500
pensions

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

-
-
-
4 050
unemployment
-
-
-
109
income
-
-
-
11 625
health
-
-
-
3 147
total
-
-
-
18 931
Employee
13 600
-
72 132
-
health
626
-
1 259
-
accident

We are using the highest rate at 1.1%.

150
-
301
-
pensions

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

1 194
-
2 403
-
income
1 360
-
7 213
-
total
3 330
-
11 176
-
Employer
13 600
-
72 132
-
health
939
-
1 888
-
pensions

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

1 499
-
3 015
-
accident

We are using the highest rate at 1.1%.

150
-
301
-
unemployment
81
-
164
-
total
2 669
-
5 368
-
Corporate
61 232
77 500
-
-
income
6 123
7 750
-
-
total
6 123
7 750
-
-
Dividends
55 109
69 750
-
-
withholding
2 755
3 487
-
-
total
2 755
3 487
-
-
Income
77 500
77 500
77 500
77 500
Total tax
14 877
11 237
16 544
18 931
After tax
62 623
66 263
60 956
58 569
Living cost
10 270
10 270
10 270
10 270
Free-cash
52 353
55 993
50 686
48 299

Estimated living cost  is ₽10270 per week

₽5996
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽733
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽272
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.
₽3269
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
₽16878
₽17017
₽17838
₽12246
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
-
-
-
77 500
income
-
-
-
7 257
other
-
-
-
2 405
health
-
-
-
1 388
social contributions
-
-
-
2 209
pensions
-
-
-
19 590
surtax
-
-
-
-
total
-
-
-
32 849
Employee
33 541
-
59 058
-
pensions
3 792
-
6 681
-
income
1 980
-
6 866
-
social contributions
956
-
1 682
-
surtax
-
-
-
-
total
6 728
-
15 229
-
Employer
33 541
-
59 058
-
health
2 348
-
4 134
-
social contributions
101
-
177
-
pensions
5 510
-
9 701
-
unemployment
1 358
-
2 391
-
other
1 157
-
2 038
-
total
10 474
-
18 441
-
Corporate
33 484
77 500
-
-
income
9 375
21 700
-
-
surtax
-
-
-
-
total
9 375
21 700
-
-
Dividends
24 109
55 800
-
-
social contributions
4 146
9 599
-
-
surtax
-
-
-
-
withholding
3 086
7 142
-
-
total
7 232
16 741
-
-
Income
77 500
77 500
77 500
77 500
Total tax
33 809
38 441
33 670
32 849
After tax
43 691
39 059
43 830
44 651
Living cost
26 813
26 813
26 813
26 813
Free-cash
16 878
12 246
17 017
17 838

Estimated living cost  is ₽26813 per week

₽16907
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2180
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.
₽7271
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
-₽324
-₽324
₽11163
₽4076
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
-
-
-
77 500
pensions
-
-
-
9 182
income
-
-
-
14 984
health
-
-
-
9 340
total
-
-
-
33 506
Employee
66 925
66 925
66 925
-
health
10 272
8 737
10 272
-
pensions
12 047
9 182
12 047
-
income

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

10 955
10 955
10 955
-
total
33 274
28 874
33 274
-
Employer
66 925
66 925
66 925
-
health
4 652
4 652
4 652
-
pensions
4 658
4 658
4 658
-
unemployment
2 409
2 409
2 409
-
total
11 719
11 719
11 719
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
77 500
77 500
77 500
77 500
Total tax
44 993
40 593
44 993
33 506
After tax
32 507
36 907
32 507
43 994
Living cost
32 831
32 831
32 831
32 831
Free-cash
-324
4 076
-324
11 163

Estimated living cost  is ₽32831 per week

₽23266
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2960
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽522
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6083
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
₽24118
₽31544
₽25076
₽15448
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.

-
-
-
77 500
trade
-
-
-
6 468
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.

-
-
-
15 985
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.

-
-
-
5 354
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.

-
-
-
879
total
-
-
-
28 686
Employee

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

29 975
-
77 500
-
health

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

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

5 354
-
5 354
-
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.

837
-
15 985
-
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.

46
-
879
-
total
6 237
-
22 218
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
47 525
77 500
-
-
income
7 128
11 626
-
-
trade
7 485
12 206
-
-
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
640
-
-
chamber of commerce
187
231
-
-
total
15 193
24 703
-
-
Dividends
32 331
52 799
-
-
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.

428
709
-
-
withholding
7 786
12 902
-
-
total
8 214
13 611
-
-
Income
77 500
77 500
77 500
77 500
Total tax
29 644
38 314
22 218
28 686
After tax
47 856
39 186
55 282
48 814
Living cost
23 738
23 738
23 738
23 738
Free-cash
24 118
15 448
31 544
25 076

Estimated living cost  is ₽23738 per week

₽14932
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2768
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽443
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.
₽5595
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
₽34326
₽36875
₽36951
₽38587
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
-
-
-
77 500
income
-
-
-
8 337
health
-
-
-
1 977
social contributions
-
-
-
12 090
total
-
-
-
22 404
Employee
60 263
60 263
70 358
-
health
467
1 025
1 196
-
income
6 562
5 579
8 303
-
social contributions
2 278
5 002
5 840
-
total
9 307
11 606
15 339
-
Employer
60 263
60 263
70 358
-
health
507
1 115
1 301
-
social contributions
2 278
5 002
5 840
-
total
2 785
6 117
7 141
-
Corporate
47 262
11 120
-
-
income
5 907
1 391
-
-
total
5 907
1 391
-
-
Dividends
41 355
9 729
-
-
withholding
7 030
1 654
-
-
total
7 030
1 654
-
-
Income
77 500
77 500
77 500
77 500
Total tax
25 029
20 768
22 480
22 404
After tax
52 471
56 732
55 020
55 096
Living cost
18 145
18 145
18 145
18 145
Free-cash
34 326
38 587
36 875
36 951

Estimated living cost  is ₽18145 per week

₽10875
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1780
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽402
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.
₽5089
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
₽18711
₽14932
₽18799
₽19500
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.

-
-
-
77 500
income
-
-
-
7 188
social contributions

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

-
-
-
26 931
surtax
-
-
-
-
total
-
-
-
34 119
Employee
36 044
-
62 626
-
income
7 497
-
16 223
-
social contributions
3 965
-
6 889
-
surtax
-
-
-
-
total
11 462
-
23 112
-
Employer
36 044
-
62 626
-
social contributions
8 560
-
14 874
-
total
8 560
-
14 874
-
Corporate
32 895
77 500
-
-
income
6 908
16 275
-
-
surtax
-
-
-
-
total
6 908
16 275
-
-
Dividends
25 987
61 225
-
-
withholding
7 277
17 143
-
-
total
7 277
17 143
-
-
Income
77 500
77 500
77 500
77 500
Total tax
34 207
33 418
37 986
34 119
After tax
43 293
44 082
39 514
43 381
Living cost
24 582
24 582
24 582
24 582
Free-cash
18 711
19 500
14 932
18 799

Estimated living cost  is ₽24582 per week

₽18393
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1450
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽410
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.
₽4329
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
₽66413
₽55926
₽70651
₽67551
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%.

-
-
-
77 500
microenterprise

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

-
-
-
775
total
-
-
-
775
Employee
7 592
-
77 500
-
income
1 518
-
15 500
-
total
1 518
-
15 500
-
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%.

69 908
77 500
-
-
total
-
-
-
-
Dividends
69 908
77 500
-
-
withholding
3 495
3 875
-
-
total
3 495
3 875
-
-
Income
77 500
77 500
77 500
77 500
Total tax
5 013
3 875
15 500
775
After tax
72 487
73 625
62 000
76 725
Living cost
6 074
6 074
6 074
6 074
Free-cash
66 413
67 551
55 926
70 651

Estimated living cost  is ₽6074 per week

₽3764
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽505
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽167
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.
₽1638
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
₽25784
₽16893
₽19114
₽32338
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.

-
-
-
77 500
pensions
-
-
-
14 154
unemployment
-
-
-
116
income
-
-
-
15 470
health
-
-
-
7 625
total
-
-
-
37 365
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.

34 656
-
67 060
-
health
2 238
-
4 332
-
unemployment
49
-
94
-
pensions
5 372
-
10 394
-
income
5 976
-
14 326
-
total
13 635
-
29 146
-
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.

34 656
-
67 060
-
health
2 308
-
4 466
-
pensions
3 067
-
5 934
-
unemployment
21
-
40
-
total
5 396
-
10 440
-
Corporate
37 449
77 500
-
-
income
7 115
14 725
-
-
total
7 115
14 725
-
-
Dividends
30 334
62 775
-
-
withholding
4 549
9 416
-
-
total
4 549
9 416
-
-
Income
77 500
77 500
77 500
77 500
Total tax
30 695
24 141
39 586
37 365
After tax
46 805
53 359
37 914
40 135
Living cost
21 021
21 021
21 021
21 021
Free-cash
25 784
32 338
16 893
19 114

Estimated living cost  is ₽21021 per week

₽14426
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1347
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.
₽4841
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
₽20965
₽28454
₽21788
₽17785
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.

-
-
-
77 500
income
-
-
-
22 308
health

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

-
-
-
4 955
total
-
-
-
27 263
Employee
35 952
-
73 895
-
social contributions
3 602
-
3 605
-
income
3 901
-
13 387
-
total
7 503
-
16 992
-
Employer
35 952
-
73 895
-
social contributions
3 602
-
3 605
-
total
3 602
-
3 605
-
Corporate
37 946
77 500
-
-
income
13 281
27 126
-
-
total
13 281
27 126
-
-
Dividends
24 665
50 374
-
-
social contributions
3 700
4 140
-
-
total
3 700
4 140
-
-
Income
77 500
77 500
77 500
77 500
Total tax
28 086
31 266
20 597
27 263
After tax
49 414
46 234
56 903
50 237
Living cost
28 449
28 449
28 449
28 449
Free-cash
20 965
17 785
28 454
21 788

Estimated living cost  is ₽28449 per week

₽18739
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2243
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.
₽7030
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
₽31070
₽33334
₽33152
₽30663
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
-
-
-
77 500
income
-
-
-
11 626
health
-
-
-
5 409
social contributions
-
-
-
10 695
total
-
-
-
27 730
Employee
26 572
-
77 500
-
health
1 855
-
5 409
-
income
4 432
-
11 444
-
social contributions
3 668
-
10 695
-
total
9 955
-
27 548
-
Employer
26 572
-
77 500
-
total
-
-
-
-
Corporate
50 928
77 500
-
-
income

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

2 546
3 876
-
-
total
2 546
3 876
-
-
Dividends
48 382
73 624
-
-
social contributions
6 676
10 161
-
-
withholding
7 258
11 044
-
-
health
3 377
5 138
-
-
total
17 311
26 343
-
-
Income
77 500
77 500
77 500
77 500
Total tax
29 812
30 219
27 548
27 730
After tax
47 688
47 281
49 952
49 770
Living cost
16 618
16 618
16 618
16 618
Free-cash
31 070
30 663
33 334
33 152

Estimated living cost  is ₽16618 per week

₽11121
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1025
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽382
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.
₽4088
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
₽23597
₽17392
₽15809
₽31422
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
-
-
-
77 500
income
-
-
-
6 661
health
-
-
-
10 463
social contributions
-
-
-
22 630
solidarity contribution
-
-
-
-
total
-
-
-
39 754
Employee
32 261
-
57 836
-
health
4 355
-
7 808
-
solidarity contribution
-
-
-
-
income
3 871
-
6 940
-
social contributions
2 097
-
3 759
-
total
10 323
-
18 507
-
Employer
32 261
-
57 836
-
health
2 903
-
5 205
-
social contributions
8 065
-
14 459
-
total
10 968
-
19 664
-
Corporate
34 271
77 500
-
-
income
6 511
14 725
-
-
total
6 511
14 725
-
-
Dividends
27 759
62 775
-
-
withholding
4 164
9 416
-
-
total
4 164
9 416
-
-
Income
77 500
77 500
77 500
77 500
Total tax
31 966
24 141
38 171
39 754
After tax
45 534
53 359
39 329
37 746
Living cost
21 937
21 937
21 937
21 937
Free-cash
23 597
31 422
17 392
15 809

Estimated living cost  is ₽21937 per week

₽16314
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1215
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.
₽4029
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
₽62386
₽52535
₽67260
₽64160
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%.

-
-
-
77 500
microenterprise

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

-
-
-
775
total
-
-
-
775
Employee
11 832
-
77 500
-
income
2 366
-
15 500
-
total
2 366
-
15 500
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

We will register your company as part of a virtual zone. Your non-Georgian corporate tax will be zero. Turnover in Georgia will be taxed at 15%.

65 668
77 500
-
-
total
-
-
-
-
Dividends
65 668
77 500
-
-
withholding
3 283
3 875
-
-
total
3 283
3 875
-
-
Income
77 500
77 500
77 500
77 500
Total tax
5 649
3 875
15 500
775
After tax
71 851
73 625
62 000
76 725
Living cost
9 465
9 465
9 465
9 465
Free-cash
62 386
64 160
52 535
67 260

Estimated living cost  is ₽9465 per week

₽6405
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽397
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽317
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.
₽2345
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
₽6596
₽5978
₽6799
₽1207
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
-
-
-
77 500
income
-
-
-
7 257
other
-
-
-
2 405
health
-
-
-
1 388
social contributions
-
-
-
2 209
pensions
-
-
-
19 590
surtax
-
-
-
-
total
-
-
-
32 849
Employee
49 085
-
59 058
-
pensions
5 552
-
6 681
-
income
4 283
-
6 866
-
social contributions
1 398
-
1 682
-
surtax
-
-
-
-
total
11 233
-
15 229
-
Employer
49 085
-
59 058
-
health
3 435
-
4 134
-
social contributions
147
-
177
-
pensions
8 065
-
9 701
-
unemployment
1 988
-
2 391
-
other
1 694
-
2 038
-
total
15 329
-
18 441
-
Corporate
13 085
77 500
-
-
income
3 663
21 700
-
-
surtax
-
-
-
-
total
3 663
21 700
-
-
Dividends
9 422
55 800
-
-
social contributions
1 621
9 599
-
-
surtax
-
-
-
-
withholding
1 206
7 142
-
-
total
2 827
16 741
-
-
Income
77 500
77 500
77 500
77 500
Total tax
33 052
38 441
33 670
32 849
After tax
44 448
39 059
43 830
44 651
Living cost
37 852
37 852
37 852
37 852
Free-cash
6 596
1 207
5 978
6 799

Estimated living cost  is ₽37852 per week

₽25618
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3096
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽519
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.
₽8618
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
₽38637
₽27412
₽27412
₽42482
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.

-
-
-
77 500
pensions
-
-
-
15 013
unemployment
-
-
-
866
income
-
-
-
14 749
health
-
-
-
5 948
total
-
-
-
36 576
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.

20 376
-
67 164
-
health
1 049
-
2 974
-
unemployment
153
-
433
-
pensions
2 853
-
8 084
-
income
2 809
-
14 749
-
total
6 864
-
26 240
-
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.

20 376
-
67 164
-
health
1 049
-
2 974
-
pensions
2 445
-
6 929
-
unemployment
153
-
433
-
total
3 647
-
10 336
-
Corporate
53 477
77 500
-
-
income
8 022
11 625
-
-
total
8 022
11 625
-
-
Dividends
45 456
65 875
-
-
withholding
6 818
9 881
-
-
total
6 818
9 881
-
-
Income
77 500
77 500
77 500
77 500
Total tax
25 351
21 506
36 576
36 576
After tax
52 149
55 994
40 924
40 924
Living cost
13 512
13 512
13 512
13 512
Free-cash
38 637
42 482
27 412
27 412

Estimated living cost  is ₽13512 per week

₽9098
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1045
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽391
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.
₽2978
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
₽4951
₽7204
₽11053
-₽17850
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
-
-
-
77 500
pensions
-
-
-
7 131
city
-
-
-
817
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.

-
-
-
1 551
health
-
-
-
174
regional
-
-
-
2 871
national
-
-
-
614
total
-
-
-
13 158
Employee
62 361
-
69 365
-
health
141
-
156
-
unemployment
-
-
-
-
city
669
-
745
-
pensions
5 239
-
5 828
-
regional
2 042
-
2 450
-
national
295
-
456
-
total
8 386
-
9 635
-
Employer
62 361
-
69 365
-
health
141
-
156
-
pensions
5 239
-
5 828
-
unemployment
-
-
-
-
other

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

1 247
-
1 388
-
total
6 627
-
7 372
-
Corporate
7 826
77 500
-
-
regional
1 655
16 391
-
-
national
665
6 587
-
-
total
2 320
22 978
-
-
Dividends
5 506
54 522
-
-
withholding
1 927
19 083
-
-
total
1 927
19 083
-
-
Income
77 500
77 500
77 500
77 500
Total tax
19 260
42 061
17 007
13 158
After tax
58 240
35 439
60 493
64 342
Living cost
53 289
53 289
53 289
53 289
Free-cash
4 951
-17 850
7 204
11 053

Estimated living cost  is ₽53289 per week

₽34653
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4782
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽654
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.
₽13199
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
₽19710
₽14189
₽25041
₽21508
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

-
-
-
77 500
municipal
-
-
-
13 794
health
-
-
-
867
national
-
-
-
7 709
total
-
-
-
22 370
Employee
41 232
-
65 196
-
health
308
-
677
-
unemployment
619
-
979
-
pensions
2 783
-
4 401
-
national
681
-
4 215
-
municipal
6 754
-
10 646
-
total
11 145
-
20 918
-
Employer
41 232
-
65 196
-
health
317
-
503
-
pensions
7 154
-
11 312
-
accident
42
-
65
-
unemployment
268
-
424
-
total
7 781
-
12 304
-
Corporate
28 488
77 500
-
-
income
5 698
15 500
-
-
total
5 698
15 500
-
-
Dividends

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

17 093
46 500
-
-
municipal
3 077
8 370
-
-
national
-
2 033
-
-
total
3 077
10 403
-
-
Income
77 500
77 500
77 500
77 500
Total tax
27 701
25 903
33 222
22 370
After tax
49 799
51 597
44 278
55 130
Living cost
30 089
30 089
30 089
30 089
Free-cash
19 710
21 508
14 189
25 041

Estimated living cost  is ₽30089 per week

₽19654
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2894
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽479
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.
₽7063
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
₽3139
₽1693
₽7930
₽14894
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
-
-
-
77 500
communal

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

-
-
-
3 928
social contributions
-
-
-
12 044
national
-
-
-
25 023
total
-
-
-
40 995
Employee

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

56 059
-
60 024
-
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.

2 634
-
2 821
-
communal

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

2 924
-
3 131
-
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.

488
-
522
-
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.

4 204
-
4 502
-
national
17 235
-
18 784
-
total
27 485
-
29 760
-
Employer

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

56 059
-
60 024
-
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.

3 447
-
3 691
-
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.

4 967
-
5 318
-
surtax
6 356
-
6 806
-
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.

729
-
781
-
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.

818
-
876
-
total
16 317
-
17 472
-
Corporate
5 123
77 500
-
-
income
1 025
15 500
-
-
surtax
21
309
-
-
total
1 046
15 809
-
-
Dividends
4 078
61 691
-
-
withholding

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

938
18 222
-
-
total
938
18 222
-
-
Income
77 500
77 500
77 500
77 500
Total tax
45 786
34 031
47 232
40 995
After tax
31 714
43 469
30 268
36 505
Living cost
28 575
28 575
28 575
28 575
Free-cash
3 139
14 894
1 693
7 930

Estimated living cost  is ₽28575 per week

₽18406
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2499
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽448
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.
₽7223
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
₽7538
₽7373
₽5221
₽8302
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
-
-
-
77 500
unemployment
-
-
-
75
municipal
-
-
-
16 671
other
-
-
-
8 662
health
-
-
-
4 651
national
-
-
-
-
accident
-
-
-
149
pensions
-
-
-
8 058
total
-
-
-
38 266
Employee
48 465
-
58 971
-
national
-
-
-
-
municipal
14 452
-
17 585
-
total
14 452
-
17 585
-
Employer
48 465
-
58 971
-
health
2 981
-
3 627
-
pensions
5 239
-
6 375
-
accident
97
-
118
-
unemployment
1 279
-
1 557
-
other
5 632
-
6 852
-
total
15 228
-
18 529
-
Corporate
13 808
77 500
-
-
income
3 038
17 050
-
-
total
3 038
17 050
-
-
Dividends
10 770
60 450
-
-
withholding
3 231
18 135
-
-
total
3 231
18 135
-
-
Income
77 500
77 500
77 500
77 500
Total tax
35 949
35 185
36 114
38 266
After tax
41 551
42 315
41 386
39 234
Living cost
34 012
34 012
34 012
34 012
Free-cash
7 538
8 302
7 373
5 221

Estimated living cost  is ₽34012 per week

₽22542
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3338
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽517
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.
₽7616
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
-₽53388
₽28074
₽15682
₽9274
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
-
-
-
77 500
income
-
-
-
15 106
social contributions
-
-
-
8 835
total
-
-
-
23 941
Employee
54 310
-
-
-
income
11 980
-
-
-
social contributions
4 453
-
635
-
total
16 433
-
635
-
Employer
54 310
-
-
-
social contributions
76 578
-
10 914
-
total
76 578
-
10 914
-
Corporate
-
77 500
-
-
income
-
17 050
-
-
total
-
17 050
-
-
Dividends
-
60 450
-
-
income
-
13 299
-
-
total
-
13 299
-
-
Income
77 500
77 500
77 500
77 500
Total tax
93 011
30 349
11 549
23 941
After tax
-15 511
47 151
65 951
53 559
Living cost
37 877
37 877
37 877
37 877
Free-cash
-53 388
9 274
28 074
15 682

Estimated living cost  is ₽37877 per week

₽24576
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3562
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽483
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.
₽9256
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
₽28066
₽29601
₽29677
₽31313
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
-
-
-
77 500
income
-
-
-
8 337
health
-
-
-
1 977
social contributions
-
-
-
12 090
total
-
-
-
22 404
Employee
60 263
60 263
70 358
-
health
599
1 025
1 196
-
income
6 328
5 579
8 303
-
social contributions
2 928
5 002
5 840
-
total
9 855
11 606
15 339
-
Employer
60 263
60 263
70 358
-
health
653
1 115
1 301
-
social contributions
2 928
5 002
5 840
-
total
3 581
6 117
7 141
-
Corporate
38 643
11 120
-
-
income
4 831
1 391
-
-
total
4 831
1 391
-
-
Dividends
33 813
9 729
-
-
withholding
5 748
1 654
-
-
total
5 748
1 654
-
-
Income
77 500
77 500
77 500
77 500
Total tax
24 015
20 768
22 480
22 404
After tax
53 485
56 732
55 020
55 096
Living cost
25 419
25 419
25 419
25 419
Free-cash
28 066
31 313
29 601
29 677

Estimated living cost  is ₽25419 per week

₽17377
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1985
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.
₽5631
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
₽25657
₽20351
₽27458
₽28626
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
-
-
-
77 500
income
-
-
-
16 210
pensions
-
-
-
5 696
total
-
-
-
21 906
Employee
38 621
-
68 218
-
health
504
-
1 111
-
pensions
2 948
-
6 499
-
income
7 033
-
12 121
-
total
10 485
-
19 731
-
Employer
38 621
-
68 218
-
health
734
-
1 296
-
pensions
3 902
-
7 986
-
total
4 636
-
9 282
-
Corporate
34 243
77 500
-
-
income

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

6 506
14 725
-
-
total
6 506
14 725
-
-
Dividends
27 737
62 775
-
-
withholding
2 080
6 013
-
-
total
2 080
6 013
-
-
Income
77 500
77 500
77 500
77 500
Total tax
23 707
20 738
29 013
21 906
After tax
53 793
56 762
48 487
55 594
Living cost
28 136
28 136
28 136
28 136
Free-cash
25 657
28 626
20 351
27 458

Estimated living cost  is ₽28136 per week

₽19301
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2587
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽352
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.
₽5894
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
₽6037
₽4339
₽7885
₽9601
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
-
-
-
77 500
municipal
-
-
-
518
regional
-
-
-
1 540
social contributions
-
-
-
19 933
national
-
-
-
16 403
total
-
-
-
38 394
Employee
66 040
-
77 500
-
social contributions
22 268
-
26 134
-
regional
997
-
1 296
-
national
11 160
-
14 047
-
municipal
394
-
463
-
total
34 819
-
41 940
-
Employer
66 040
-
77 500
-
total
-
-
-
-
Corporate
11 460
77 500
-
-
nationa
2 750
18 599
-
-
municipal
552
3 736
-
-
total
3 302
22 335
-
-
Dividends
8 158
55 165
-
-
withholding
2 121
14 343
-
-
total
2 121
14 343
-
-
Income
77 500
77 500
77 500
77 500
Total tax
40 242
36 678
41 940
38 394
After tax
37 258
40 822
35 560
39 106
Living cost
31 221
31 221
31 221
31 221
Free-cash
6 037
9 601
4 339
7 885

Estimated living cost  is ₽31221 per week

₽21931
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2148
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽471
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.
₽6670
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
₽3709
₽23375
₽36447
-₽10459
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
-
-
-
77 500
pensions
-
-
-
3 165
income
-
-
-
19 018
other
-
-
-
282
health
-
-
-
1 659
accident
-
-
-
192
total
-
-
-
24 316
Employee
26 328
-
66 384
-
health
3 015
-
7 601
-
pensions
2 965
-
5 804
-
income
3 612
-
12 867
-
total
9 592
-
26 272
-
Employer
26 328
-
66 384
-
pensions
4 281
-
8 381
-
accident
440
-
1 109
-
unemployment
645
-
1 626
-
total
5 366
-
11 116
-
Corporate
45 807
77 500
-
-
income

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

41 226
69 750
-
-
total
41 226
69 750
-
-
Dividends
4 581
7 750
-
-
withholding
870
1 472
-
-
total
870
1 472
-
-
Income
77 500
77 500
77 500
77 500
Total tax
57 054
71 222
37 388
24 316
After tax
20 446
6 278
40 112
53 184
Living cost
16 737
16 737
16 737
16 737
Free-cash
3 709
-10 459
23 375
36 447

Estimated living cost  is ₽16737 per week

₽12267
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽927
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽349
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.
₽3194
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
₽19981
₽25025
₽19133
₽9728
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.

-
-
-
77 500
trade
-
-
-
5 892
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.

-
-
-
15 985
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.

-
-
-
5 354
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.

-
-
-
879
total
-
-
-
28 110
Employee

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

38 994
-
77 500
-
health

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

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

5 354
-
5 354
-
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.

3 206
-
15 985
-
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.

177
-
879
-
total
8 737
-
22 218
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
38 506
77 500
-
-
income
5 776
11 626
-
-
trade
5 525
11 121
-
-
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.

318
640
-
-
chamber of commerce
175
232
-
-
total
11 794
23 619
-
-
Dividends
26 711
53 881
-
-
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.

351
724
-
-
withholding
6 380
13 172
-
-
total
6 731
13 896
-
-
Income
77 500
77 500
77 500
77 500
Total tax
27 262
37 515
22 218
28 110
After tax
50 238
39 985
55 282
49 390
Living cost
30 257
30 257
30 257
30 257
Free-cash
19 981
9 728
25 025
19 133

Estimated living cost  is ₽30257 per week

₽20872
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3256
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽439
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.
₽5690
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
₽39268
₽27389
₽25078
₽45696
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.

-
-
-
77 500
income
-
-
-
11 202
microenterprise
-
-
-
-
social contributions

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

-
-
-
24 916
surtax
-
-
-
-
total
-
-
-
36 118
Employee
22 900
-
62 455
-
income
4 076
-
11 892
-
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.

2 519
-
6 870
-
surtax
-
-
-
-
total
6 595
-
18 762
-
Employer
22 900
-
62 455
-
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.

5 516
-
15 045
-
surtax
-
-
-
-
total
5 516
-
15 045
-
Corporate
49 084
77 500
-
-
income

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

9 817
15 500
-
-
total
9 817
15 500
-
-
Dividends

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

39 266
62 000
-
-
total
-
-
-
-
Income
77 500
77 500
77 500
77 500
Total tax
21 928
15 500
33 807
36 118
After tax
55 572
62 000
43 693
41 382
Living cost
16 304
16 304
16 304
16 304
Free-cash
39 268
45 696
27 389
25 078

Estimated living cost  is ₽16304 per week

₽10402
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1553
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽370
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.
₽3980
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
₽37016
₽34217
₽34911
₽38617
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
-
-
-
77 500
income
-
-
-
20 587
health
-
-
-
5 152
pensions
-
-
-
7 107
total
-
-
-
32 846
Employee
14 840
-
69 505
-
health
742
-
1 777
-
unemployment
148
-
355
-
pensions
1 336
-
3 198
-
income
2 871
-
20 214
-
total
5 097
-
25 544
-
Employer
14 840
-
69 505
-
health
1 410
-
3 376
-
pensions
1 632
-
3 909
-
unemployment
297
-
711
-
total
3 339
-
7 996
-
Corporate
59 321
77 500
-
-
income
13 051
17 050
-
-
total
13 051
17 050
-
-
Dividends
46 271
60 450
-
-
withholding
9 254
12 090
-
-
total
9 254
12 090
-
-
Income
77 500
77 500
77 500
77 500
Total tax
30 741
29 140
33 540
32 846
After tax
46 759
48 360
43 960
44 654
Living cost
9 743
9 743
9 743
9 743
Free-cash
37 016
38 617
34 217
34 911

Estimated living cost  is ₽9743 per week

₽5790
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽790
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽223
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.
₽2940
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
₽28650
₽20858
₽22360
₽31145
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
-
-
-
77 500
pensions
-
-
-
15 500
unemployment
-
-
-
178
income
-
-
-
14 591
other
-
-
-
-
health
-
-
-
5 503
surtax
-
-
-
1 765
total
-
-
-
37 537
Employee
26 392
-
64 023
-
health
674
-
1 633
-
unemployment
1 837
-
4 456
-
pensions
1 761
-
4 270
-
income
4 425
-
13 610
-
other
-
-
-
-
surtax
94
-
1 593
-
total
8 791
-
25 562
-
Employer
26 392
-
64 023
-
health
1 200
-
2 913
-
pensions
3 519
-
8 534
-
unemployment
837
-
2 030
-
other
-
-
-
-
total
5 556
-
13 477
-
Corporate
45 551
77 500
-
-
income
11 843
20 150
-
-
total
11 843
20 150
-
-
Dividends
33 708
57 350
-
-
withholding
5 057
8 602
-
-
total
5 057
8 602
-
-
Income
77 500
77 500
77 500
77 500
Total tax
31 247
28 752
39 039
37 537
After tax
46 253
48 748
38 461
39 963
Living cost
17 603
17 603
17 603
17 603
Free-cash
28 650
31 145
20 858
22 360

Estimated living cost  is ₽17603 per week

₽10628
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1530
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽409
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.
₽5037
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
₽18152
-₽1349
₽14466
₽18539
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
-
-
-
77 500
pensions
-
-
-
14 337
chamber of commerce
-
-
-
309
unemployment
-
-
-