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
₽ 78000
per

Your estimated
City
free-cash

Valencia , Spain
₽18798
₽18437
₽29695
₽25331
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
-
-
-
78 000
income
-
-
-
13 566
accident
-
-
-
694
unemployment
-
-
-
540
pensions
-
-
-
21 815
other
-
-
-
77
total
-
-
-
36 692
Employee
30 753
-
59 144
-
other
30
-
58
-
income
5 929
-
13 721
-
unemployment
477
-
917
-
pensions
1 446
-
2 779
-
total
7 882
-
17 475
-
Employer
30 753
-
59 144
-
unemployment
1 692
-
3 253
-
pensions
7 257
-
13 959
-
other
246
-
473
-
accident
609
-
1 171
-
total
9 804
-
18 856
-
Corporate
37 443
78 000
-
-
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.

5 617
11 700
-
-
total
5 617
11 700
-
-
Dividends
31 826
66 300
-
-
withholding
6 495
13 734
-
-
total
6 495
13 734
-
-
Income
78 000
78 000
78 000
78 000
Total tax
29 798
25 434
36 331
36 692
After tax
48 202
52 566
41 669
41 308
Living cost
22 871
22 871
22 871
22 871
Free-cash
25 331
29 695
18 798
18 437

Estimated living cost  is ₽22871 per week

₽15437
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2199
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽401
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4834
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Bratislava , Slovakia
₽23556
₽20077
₽35145
₽29531
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
-
-
-
78 000
income
-
-
-
9 907
health
-
-
-
3 431
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.

-
-
-
18 720
other
-
-
-
3 704
total
-
-
-
35 762
Employee
30 198
-
62 299
-
income
5 199
-
10 725
-
health
423
-
873
-
unemployment
301
-
623
-
pensions

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

2 113
-
4 361
-
total
8 036
-
16 582
-
Employer
30 198
-
62 299
-
unemployment
301
-
623
-
pensions

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

5 134
-
10 590
-
other
1 510
-
3 116
-
accident
241
-
499
-
health
423
-
873
-
total
7 609
-
15 701
-
Corporate
40 191
78 000
-
-
income
8 441
16 380
-
-
total
8 441
16 380
-
-
Dividends
31 751
61 620
-
-
withholding
2 222
4 314
-
-
total
2 222
4 314
-
-
Income
78 000
78 000
78 000
78 000
Total tax
26 308
20 694
32 283
35 762
After tax
51 692
57 306
45 717
42 238
Living cost
22 161
22 161
22 161
22 161
Free-cash
29 531
35 145
23 556
20 077

Estimated living cost  is ₽22161 per week

₽15658
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1496
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽357
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4650
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Varna , Bulgaria
₽49947
₽47628
₽55779
₽51915
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
-
-
-
78 000
income
-
-
-
11 700
health
-
-
-
3 343
unemployment
-
-
-
116
pensions

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

-
-
-
4 302
total
-
-
-
19 461
Employee
14 447
-
72 297
-
income
1 444
-
7 230
-
health
665
-
1 337
-
accident

We are using the highest rate at 1.1%.

159
-
320
-
pensions

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

1 268
-
2 552
-
total
3 536
-
11 439
-
Employer
14 447
-
72 297
-
unemployment
86
-
174
-
pensions

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

1 592
-
3 203
-
accident

We are using the highest rate at 1.1%.

159
-
320
-
health
997
-
2 006
-
total
2 834
-
5 703
-
Corporate
60 718
78 000
-
-
income
6 072
7 800
-
-
total
6 072
7 800
-
-
Dividends
54 646
70 200
-
-
withholding
2 732
3 510
-
-
total
2 732
3 510
-
-
Income
78 000
78 000
78 000
78 000
Total tax
15 174
11 310
17 142
19 461
After tax
62 826
66 690
60 858
58 539
Living cost
10 911
10 911
10 911
10 911
Free-cash
51 915
55 779
49 947
47 628

Estimated living cost  is ₽10911 per week

₽6370
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽779
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽289
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3473
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Nice , France
₽16121
₽16609
₽10854
₽15770
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
-
-
-
78 000
income
-
-
-
6 698
social contributions
-
-
-
2 222
health
-
-
-
1 160
surtax
-
-
-
-
pensions
-
-
-
20 436
other
-
-
-
2 420
total
-
-
-
32 936
Employee
35 595
-
59 436
-
income
2 101
-
6 448
-
social contributions
1 015
-
1 694
-
surtax
-
-
-
-
pensions
4 025
-
6 722
-
total
7 141
-
14 864
-
Employer
35 595
-
59 436
-
unemployment
1 441
-
2 407
-
social contributions
107
-
178
-
pensions
5 848
-
9 765
-
other
1 228
-
2 050
-
health
2 492
-
4 160
-
total
11 116
-
18 560
-
Corporate
31 289
78 000
-
-
income
8 761
21 841
-
-
surtax
-
-
-
-
total
8 761
21 841
-
-
Dividends
22 527
56 159
-
-
withholding
2 884
7 189
-
-
surtax
-
-
-
-
social contributions
3 873
9 661
-
-
total
6 757
16 850
-
-
Income
78 000
78 000
78 000
78 000
Total tax
33 775
38 691
33 424
32 936
After tax
44 225
39 309
44 576
45 064
Living cost
28 455
28 455
28 455
28 455
Free-cash
15 770
10 854
16 121
16 609

Estimated living cost  is ₽28455 per week

₽17942
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2314
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽485
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7716
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Rotterdam , Netherlands
-₽4588
₽9462
₽80
-₽4588
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
-
-
-
78 000
income
-
-
-
14 283
health
-
-
-
9 670
pensions
-
-
-
9 744
total
-
-
-
33 697
Employee
71 024
71 024
71 024
-
income

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

11 625
11 625
11 625
-
health
10 901
9 273
10 901
-
pensions
12 784
9 744
12 784
-
total
35 310
30 642
35 310
-
Employer
71 024
71 024
71 024
-
unemployment
2 557
2 557
2 557
-
pensions
4 943
4 943
4 943
-
health
4 937
4 937
4 937
-
total
12 437
12 437
12 437
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Income
78 000
78 000
78 000
78 000
Total tax
47 747
43 079
47 747
33 697
After tax
30 253
34 921
30 253
44 303
Living cost
34 841
34 841
34 841
34 841
Free-cash
-4 588
80
-4 588
9 462

Estimated living cost  is ₽34841 per week

₽24691
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3141
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽554
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6455
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Dresden , Germany
₽30942
₽24747
₽14261
₽23460
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.

-
-
-
78 000
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.

-
-
-
15 341
health

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

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

-
-
-
5 682
trade
-
-
-
6 195
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.

-
-
-
844
total
-
-
-
28 062
Employee

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

31 811
-
78 000
-
income

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

889
-
15 341
-
health

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

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

5 682
-
5 682
-
surtax

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

49
-
844
-
total
6 620
-
21 867
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
46 189
78 000
-
-
chamber of commerce
193
238
-
-
income
6 929
11 700
-
-
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.

380
644
-
-
trade
7 274
12 286
-
-
total
14 776
24 868
-
-
Dividends
31 413
53 132
-
-
withholding
7 538
12 967
-
-
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.

415
713
-
-
total
7 953
13 680
-
-
Income
78 000
78 000
78 000
78 000
Total tax
29 349
38 548
21 867
28 062
After tax
48 651
39 452
56 133
49 938
Living cost
25 191
25 191
25 191
25 191
Free-cash
23 460
14 261
30 942
24 747

Estimated living cost  is ₽25191 per week

₽15846
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2937
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽470
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5938
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

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

Larnaca , Cyprus
₽36702
₽36781
₽37869
₽33343
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
-
-
-
78 000
income
-
-
-
7 805
social contributions
-
-
-
12 169
health
-
-
-
1 989
total
-
-
-
21 963
Employee
63 954
63 954
70 812
-
income
6 963
5 920
7 772
-
social contributions
2 418
5 308
5 878
-
health
496
1 087
1 204
-
total
9 877
12 315
14 854
-
Employer
63 954
63 954
70 812
-
social contributions
2 418
5 308
5 878
-
health
538
1 184
1 310
-
total
2 956
6 492
7 188
-
Corporate
45 911
7 555
-
-
income
5 739
944
-
-
total
5 739
944
-
-
Dividends
40 172
6 611
-
-
withholding
6 829
1 124
-
-
total
6 829
1 124
-
-
Income
78 000
78 000
78 000
78 000
Total tax
25 401
20 875
22 042
21 963
After tax
52 599
57 125
55 958
56 037
Living cost
19 256
19 256
19 256
19 256
Free-cash
33 343
37 869
36 702
36 781

Estimated living cost  is ₽19256 per week

₽11541
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1889
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽426
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5401
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Lisbon , Portugal
₽14001
₽17740
₽18278
₽17440
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.

-
-
-
78 000
income
-
-
-
7 066
social contributions

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

-
-
-
27 106
surtax
-
-
-
-
total
-
-
-
34 172
Employee
38 252
-
63 030
-
income
7 956
-
16 008
-
social contributions
4 208
-
6 933
-
surtax
-
-
-
-
total
12 164
-
22 941
-
Employer
38 252
-
63 030
-
social contributions
9 085
-
14 970
-
total
9 085
-
14 970
-
Corporate
30 664
78 000
-
-
income
6 439
16 380
-
-
surtax
-
-
-
-
total
6 439
16 380
-
-
Dividends
24 224
61 620
-
-
withholding
6 784
17 254
-
-
total
6 784
17 254
-
-
Income
78 000
78 000
78 000
78 000
Total tax
34 472
33 634
37 911
34 172
After tax
43 528
44 366
40 089
43 828
Living cost
26 088
26 088
26 088
26 088
Free-cash
17 440
18 278
14 001
17 740

Estimated living cost  is ₽26088 per week

₽19519
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1539
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽436
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4594
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Batumi , Georgia
₽56182
₽71002
₽67882
₽66717
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%.

-
-
-
78 000
microenterprise

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

-
-
-
780
total
-
-
-
780
Employee
7 773
-
78 000
-
income
1 554
-
15 600
-
total
1 554
-
15 600
-
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%.

70 227
78 000
-
-
total
-
-
-
-
Dividends
70 227
78 000
-
-
withholding
3 511
3 900
-
-
total
3 511
3 900
-
-
Income
78 000
78 000
78 000
78 000
Total tax
5 065
3 900
15 600
780
After tax
72 935
74 100
62 400
77 220
Living cost
6 218
6 218
6 218
6 218
Free-cash
66 717
67 882
56 182
71 002

Estimated living cost  is ₽6218 per week

₽3854
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽517
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽171
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽1677
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

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

Ljubljana , Slovenia
₽16038
₽18274
₽31394
₽24438
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.

-
-
-
78 000
income
-
-
-
15 382
health
-
-
-
7 675
unemployment
-
-
-
117
pensions
-
-
-
14 244
total
-
-
-
37 418
Employee

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

36 778
-
67 492
-
income
6 342
-
14 229
-
health
2 375
-
4 361
-
unemployment
52
-
95
-
pensions
5 701
-
10 461
-
total
14 470
-
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.

36 778
-
67 492
-
unemployment
22
-
41
-
pensions
3 254
-
5 972
-
health
2 450
-
4 495
-
total
5 726
-
10 508
-
Corporate
35 496
78 000
-
-
income
6 744
14 820
-
-
total
6 744
14 820
-
-
Dividends
28 752
63 180
-
-
withholding
4 314
9 478
-
-
total
4 314
9 478
-
-
Income
78 000
78 000
78 000
78 000
Total tax
31 254
24 298
39 654
37 418
After tax
46 746
53 702
38 346
40 582
Living cost
22 308
22 308
22 308
22 308
Free-cash
24 438
31 394
16 038
18 274

Estimated living cost  is ₽22308 per week

₽15310
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1430
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽432
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5137
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Sliema , Malta
₽27013
₽18675
₽16115
₽19902
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.

-
-
-
78 000
income
-
-
-
23 675
health

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

-
-
-
5 459
total
-
-
-
29 134
Employee
38 153
-
74 174
-
social contributions
3 823
-
3 826
-
income
4 140
-
13 144
-
total
7 963
-
16 970
-
Employer
38 153
-
74 174
-
social contributions
3 823
-
3 826
-
total
3 823
-
3 826
-
Corporate
36 024
78 000
-
-
income
12 609
27 300
-
-
total
12 609
27 300
-
-
Dividends
23 415
50 700
-
-
social contributions
3 512
4 394
-
-
total
3 512
4 394
-
-
Income
78 000
78 000
78 000
78 000
Total tax
27 907
31 694
20 796
29 134
After tax
50 093
46 306
57 204
48 866
Living cost
30 191
30 191
30 191
30 191
Free-cash
19 902
16 115
27 013
18 675

Estimated living cost  is ₽30191 per week

₽19887
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2380
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽462
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7461
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Vilnius , Lithuania
₽32859
₽32455
₽29952
₽30383
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
-
-
-
78 000
income
-
-
-
11 700
social contributions
-
-
-
10 764
health
-
-
-
5 445
total
-
-
-
27 909
Employee
28 199
-
78 000
-
income
4 703
-
11 296
-
social contributions
3 892
-
10 764
-
health
1 968
-
5 445
-
total
10 563
-
27 505
-
Employer
28 199
-
78 000
-
total
-
-
-
-
Corporate
49 801
78 000
-
-
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%.

2 491
3 900
-
-
total
2 491
3 900
-
-
Dividends
47 310
74 100
-
-
withholding
7 096
11 114
-
-
health
3 302
5 172
-
-
social contributions
6 529
10 226
-
-
total
16 927
26 512
-
-
Income
78 000
78 000
78 000
78 000
Total tax
29 981
30 412
27 505
27 909
After tax
48 019
47 588
50 495
50 091
Living cost
17 636
17 636
17 636
17 636
Free-cash
30 383
29 952
32 859
32 455

Estimated living cost  is ₽17636 per week

₽11803
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1087
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽406
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4339
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Prague , Czech Republic
₽16778
₽15186
₽30899
₽22764
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
-
-
-
78 000
income
-
-
-
6 704
social contributions
-
-
-
22 776
solidarity contribution
-
-
-
-
health
-
-
-
10 530
total
-
-
-
40 010
Employee
33 535
-
58 209
-
solidarity contribution
-
-
-
-
income
4 024
-
6 985
-
social contributions
2 180
-
3 784
-
health
4 527
-
7 858
-
total
10 731
-
18 627
-
Employer
33 535
-
58 209
-
social contributions
8 384
-
14 552
-
health
3 018
-
5 239
-
total
11 402
-
19 791
-
Corporate
33 063
78 000
-
-
income
6 282
14 820
-
-
total
6 282
14 820
-
-
Dividends
26 781
63 180
-
-
withholding
4 017
9 477
-
-
total
4 017
9 477
-
-
Income
78 000
78 000
78 000
78 000
Total tax
32 432
24 297
38 418
40 010
After tax
45 568
53 703
39 582
37 990
Living cost
22 804
22 804
22 804
22 804
Free-cash
22 764
30 899
16 778
15 186

Estimated living cost  is ₽22804 per week

₽16958
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1263
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽395
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4188
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Tbilisi , Georgia
₽52710
₽67530
₽64410
₽62593
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%.

-
-
-
78 000
microenterprise

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

-
-
-
780
total
-
-
-
780
Employee
12 113
-
78 000
-
income
2 423
-
15 600
-
total
2 423
-
15 600
-
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%.

65 887
78 000
-
-
total
-
-
-
-
Dividends
65 887
78 000
-
-
withholding
3 294
3 900
-
-
total
3 294
3 900
-
-
Income
78 000
78 000
78 000
78 000
Total tax
5 717
3 900
15 600
780
After tax
72 283
74 100
62 400
77 220
Living cost
9 690
9 690
9 690
9 690
Free-cash
62 593
64 410
52 710
67 530

Estimated living cost  is ₽9690 per week

₽6557
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽407
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽325
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2401
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

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

Paris , France
₽4406
₽4894
-₽861
₽4857
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
-
-
-
78 000
income
-
-
-
6 698
social contributions
-
-
-
2 222
health
-
-
-
1 160
surtax
-
-
-
-
pensions
-
-
-
20 436
other
-
-
-
2 420
total
-
-
-
32 936
Employee
52 091
-
59 436
-
income
4 545
-
6 448
-
social contributions
1 484
-
1 694
-
surtax
-
-
-
-
pensions
5 892
-
6 722
-
total
11 921
-
14 864
-
Employer
52 091
-
59 436
-
unemployment
2 110
-
2 407
-
social contributions
156
-
178
-
pensions
8 559
-
9 765
-
other
1 798
-
2 050
-
health
3 646
-
4 160
-
total
16 269
-
18 560
-
Corporate
9 640
78 000
-
-
income
2 699
21 841
-
-
surtax
-
-
-
-
total
2 699
21 841
-
-
Dividends
6 941
56 159
-
-
withholding
889
7 189
-
-
surtax
-
-
-
-
social contributions
1 195
9 661
-
-
total
2 084
16 850
-
-
Income
78 000
78 000
78 000
78 000
Total tax
32 973
38 691
33 424
32 936
After tax
45 027
39 309
44 576
45 064
Living cost
40 170
40 170
40 170
40 170
Free-cash
4 857
-861
4 406
4 894

Estimated living cost  is ₽40170 per week

₽27186
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3286
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽551
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9146
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Belgrade , Serbia
₽26339
₽26337
₽42020
₽37942
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.

-
-
-
78 000
income
-
-
-
14 171
health
-
-
-
6 310
unemployment
-
-
-
919
pensions
-
-
-
15 928
total
-
-
-
37 328
Employee

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

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

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

21 617
-
67 034
-
income
2 980
-
14 171
-
health
1 113
-
3 155
-
unemployment
162
-
459
-
pensions
3 026
-
8 576
-
total
7 281
-
26 361
-
Employer

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

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

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

21 617
-
67 034
-
unemployment
162
-
459
-
pensions
2 594
-
7 351
-
health
1 113
-
3 155
-
total
3 869
-
10 965
-
Corporate
52 514
78 000
-
-
income
7 877
11 700
-
-
total
7 877
11 700
-
-
Dividends
44 637
66 300
-
-
withholding
6 696
9 945
-
-
total
6 696
9 945
-
-
Income
78 000
78 000
78 000
78 000
Total tax
25 723
21 645
37 326
37 328
After tax
52 277
56 355
40 674
40 672
Living cost
14 335
14 335
14 335
14 335
Free-cash
37 942
42 020
26 339
26 337

Estimated living cost  is ₽14335 per week

₽9652
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1109
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽415
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3160
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Zurich , Switzerland
₽3063
₽6945
-₽22396
₽2448
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
-
-
-
78 000
regional
-
-
-
2 727
national
-
-
-
519
health
-
-
-
189
city
-
-
-
822
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.

-
-
-
1 560
pensions
-
-
-
7 176
total
-
-
-
12 993
Employee
67 947
-
69 815
-
regional
2 225
-
2 326
-
city
729
-
750
-
health
154
-
157
-
unemployment
-
-
-
-
national
322
-
359
-
pensions
5 708
-
5 865
-
total
9 138
-
9 457
-
Employer
67 947
-
69 815
-
unemployment
-
-
-
-
pensions
5 708
-
5 865
-
other

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

1 359
-
1 396
-
health
154
-
157
-
total
7 221
-
7 418
-
Corporate
2 085
78 000
-
-
regional
441
16 498
-
-
national
177
6 630
-
-
total
618
23 128
-
-
Dividends
1 466
54 872
-
-
withholding
513
19 206
-
-
total
513
19 206
-
-
Income
78 000
78 000
78 000
78 000
Total tax
17 490
42 334
16 875
12 993
After tax
60 510
35 666
61 125
65 007
Living cost
58 062
58 062
58 062
58 062
Free-cash
2 448
-22 396
3 063
6 945

Estimated living cost  is ₽58062 per week

₽37757
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5210
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽713
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽14382
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details

Additional information

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

Helsinki , Finland
₽12976
₽24036
₽20327
₽17983
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

-
-
-
78 000
municipal
-
-
-
13 886
national
-
-
-
7 293
health
-
-
-
854
total
-
-
-
22 033
Employee
43 757
-
65 618
-
health
327
-
663
-
unemployment
657
-
985
-
national
723
-
3 917
-
municipal
7 167
-
10 718
-
pensions
2 953
-
4 429
-
total
11 827
-
20 712
-
Employer
43 757
-
65 618
-
unemployment
284
-
426
-
pensions
7 592
-
11 384
-
accident
44
-
66
-
health
336
-
505
-
total
8 256
-
12 381
-
Corporate
25 987
78 000
-
-
income
5 197
15 600
-
-
total
5 197
15 600
-
-
Dividends

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

15 592
46 800
-
-
national
-
1 719
-
-
municipal
2 806
8 423
-
-
total
2 806
10 142
-
-
Income
78 000
78 000
78 000
78 000
Total tax
28 086
25 742
33 093
22 033
After tax
49 914
52 258
44 907
55 967
Living cost
31 931
31 931
31 931
31 931
Free-cash
17 983
20 327
12 976
24 036

Estimated living cost  is ₽31931 per week

₽20857
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3071
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽508
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7495
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

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

Brussels , Belgium
₽397
₽6941
₽13439
₽946
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
-
-
-
78 000
national
-
-
-
24 879
social contributions
-
-
-
11 889
communal

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

-
-
-
3 966
total
-
-
-
40 734
Employee

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

59 492
-
60 411
-
health

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

2 795
-
2 839
-
communal

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

3 103
-
3 150
-
unemployment

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

518
-
526
-
national
18 290
-
18 648
-
pensions

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

4 462
-
4 531
-
total
29 168
-
29 694
-
Employer

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

59 492
-
60 411
-
unemployment

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

868
-
882
-
pensions

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

5 272
-
5 352
-
surtax
6 746
-
6 850
-
accident

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

773
-
786
-
health

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

3 659
-
3 714
-
total
17 318
-
17 584
-
Corporate
1 191
78 000
-
-
income
238
15 600
-
-
surtax
5
313
-
-
total
243
15 913
-
-
Dividends
948
62 088
-
-
withholding

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

-
18 323
-
-
total
-
18 323
-
-
Income
78 000
78 000
78 000
78 000
Total tax
46 729
34 236
47 278
40 734
After tax
31 271
43 764
30 722
37 266
Living cost
30 325
30 325
30 325
30 325
Free-cash
946
13 439
397
6 941

Estimated living cost  is ₽30325 per week

₽19533
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2652
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽475
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7666
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Stockholm , Sweden
₽7269
₽5037
₽8205
₽7433
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
-
-
-
78 000
municipal
-
-
-
16 750
national
-
-
-
-
health
-
-
-
4 702
accident
-
-
-
151
unemployment
-
-
-
75
pensions
-
-
-
8 146
other
-
-
-
8 756
total
-
-
-
38 580
Employee
48 993
-
59 352
-
national
-
-
-
-
municipal
14 610
-
17 699
-
total
14 610
-
17 699
-
Employer
48 993
-
59 352
-
unemployment
1 293
-
1 567
-
pensions
5 296
-
6 416
-
other
5 693
-
6 897
-
accident
98
-
119
-
health
3 013
-
3 650
-
total
15 393
-
18 649
-
Corporate
13 614
78 000
-
-
income
2 995
17 160
-
-
total
2 995
17 160
-
-
Dividends
10 619
60 840
-
-
withholding
3 186
18 252
-
-
total
3 186
18 252
-
-
Income
78 000
78 000
78 000
78 000
Total tax
36 184
35 412
36 348
38 580
After tax
41 816
42 588
41 652
39 420
Living cost
34 383
34 383
34 383
34 383
Free-cash
7 433
8 205
7 269
5 037

Estimated living cost  is ₽34383 per week

₽22788
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3374
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽522
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7699
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Oslo , Norway
₽28348
₽15854
₽9405
-₽53487
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
-
-
-
78 000
income
-
-
-
15 204
social contributions
-
-
-
8 892
total
-
-
-
24 096
Employee
54 559
-
-
-
income
12 035
-
-
-
social contributions
4 474
-
638
-
total
16 509
-
638
-
Employer
54 559
-
-
-
social contributions
76 928
-
10 964
-
total
76 928
-
10 964
-
Corporate
-
78 000
-
-
income
-
17 160
-
-
total
-
17 160
-
-
Dividends
-
60 840
-
-
income
-
13 385
-
-
total
-
13 385
-
-
Income
78 000
78 000
78 000
78 000
Total tax
93 437
30 545
11 602
24 096
After tax
-15 437
47 455
66 398
53 904
Living cost
38 050
38 050
38 050
38 050
Free-cash
-53 487
9 405
28 348
15 854

Estimated living cost  is ₽38050 per week

₽24689
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3579
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽485
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9298
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Limassol , Cyprus
₽28982
₽29061
₽30149
₽26698
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
-
-
-
78 000
income
-
-
-
7 805
social contributions
-
-
-
12 169
health
-
-
-
1 989
total
-
-
-
21 963
Employee
63 954
63 954
70 812
-
income
6 716
5 920
7 772
-
social contributions
3 108
5 308
5 878
-
health
636
1 087
1 204
-
total
10 460
12 315
14 854
-
Employer
63 954
63 954
70 812
-
social contributions
3 108
5 308
5 878
-
health
693
1 184
1 310
-
total
3 801
6 492
7 188
-
Corporate
36 764
7 555
-
-
income
4 596
944
-
-
total
4 596
944
-
-
Dividends
32 168
6 611
-
-
withholding
5 469
1 124
-
-
total
5 469
1 124
-
-
Income
78 000
78 000
78 000
78 000
Total tax
24 326
20 875
22 042
21 963
After tax
53 674
57 125
55 958
56 037
Living cost
26 976
26 976
26 976
26 976
Free-cash
26 698
30 149
28 982
29 061

Estimated living cost  is ₽26976 per week

₽18441
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2107
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽453
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5975
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Edinburgh , United Kingdom
₽18849
₽26683
₽27936
₽23764
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
-
-
-
78 000
income
-
-
-
15 546
pensions
-
-
-
5 667
total
-
-
-
21 213
Employee
41 322
-
68 737
-
income
7 525
-
12 239
-
health
539
-
1 101
-
pensions
3 154
-
6 443
-
total
11 218
-
19 783
-
Employer
41 322
-
68 737
-
pensions
4 175
-
7 957
-
health
785
-
1 307
-
total
4 960
-
9 264
-
Corporate
31 718
78 000
-
-
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.

6 026
14 820
-
-
total
6 026
14 820
-
-
Dividends
25 692
63 180
-
-
withholding
1 928
5 140
-
-
total
1 928
5 140
-
-
Income
78 000
78 000
78 000
78 000
Total tax
24 132
19 960
29 047
21 213
After tax
53 868
58 040
48 953
56 787
Living cost
30 104
30 104
30 104
30 104
Free-cash
23 764
27 936
18 849
26 683

Estimated living cost  is ₽30104 per week

₽20651
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2768
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽377
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6306
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details

Additional information

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

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

Rome , Italy
₽2998
₽6567
₽7952
₽4168
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
-
-
-
78 000
municipal
-
-
-
521
regional
-
-
-
1 509
national
-
-
-
16 208
social contributions
-
-
-
20 062
total
-
-
-
38 300
Employee
70 084
-
78 000
-
regional
1 058
-
1 265
-
social contributions
23 632
-
26 301
-
national
11 844
-
13 837
-
municipal
418
-
466
-
total
36 952
-
41 869
-
Employer
70 084
-
78 000
-
total
-
-
-
-
Corporate
7 916
78 000
-
-
nationa
1 900
18 720
-
-
municipal
382
3 760
-
-
total
2 282
22 480
-
-
Dividends
5 634
55 520
-
-
withholding
1 465
14 435
-
-
total
1 465
14 435
-
-
Income
78 000
78 000
78 000
78 000
Total tax
40 699
36 915
41 869
38 300
After tax
37 301
41 085
36 131
39 700
Living cost
33 133
33 133
33 133
33 133
Free-cash
4 168
7 952
2 998
6 567

Estimated living cost  is ₽33133 per week

₽23274
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2279
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽500
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7079
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Gdansk , Poland
₽22861
₽36179
-₽11045
₽3656
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
-
-
-
78 000
income
-
-
-
18 962
health
-
-
-
1 721
accident
-
-
-
199
pensions
-
-
-
3 284
other
-
-
-
292
total
-
-
-
24 458
Employee
27 313
-
66 563
-
income
3 747
-
12 696
-
health
3 127
-
7 621
-
pensions
3 075
-
6 021
-
total
9 949
-
26 338
-
Employer
27 313
-
66 563
-
unemployment
669
-
1 631
-
pensions
4 441
-
8 695
-
accident
456
-
1 112
-
total
5 566
-
11 438
-
Corporate
45 121
78 000
-
-
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.

40 609
70 200
-
-
total
40 609
70 200
-
-
Dividends
4 512
7 800
-
-
withholding
857
1 482
-
-
total
857
1 482
-
-
Income
78 000
78 000
78 000
78 000
Total tax
56 981
71 682
37 776
24 458
After tax
21 019
6 318
40 224
53 542
Living cost
17 363
17 363
17 363
17 363
Free-cash
3 656
-11 045
22 861
36 179

Estimated living cost  is ₽17363 per week

₽12726
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽962
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽362
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3313
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

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

Berlin , Germany
₽24023
₽18379
₽8145
₽19028
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.

-
-
-
78 000
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.

-
-
-
15 341
health

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

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

-
-
-
5 682
trade
-
-
-
5 644
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.

-
-
-
844
total
-
-
-
27 511
Employee

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

41 382
-
78 000
-
income

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

3 403
-
15 341
-
health

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

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

5 682
-
5 682
-
surtax

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

188
-
844
-
total
9 273
-
21 867
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
36 618
78 000
-
-
chamber of commerce
180
240
-
-
income
5 492
11 700
-
-
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
644
-
-
trade
5 254
11 193
-
-
total
11 227
23 777
-
-
Dividends
25 390
54 223
-
-
withholding
6 031
13 240
-
-
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.

331
728
-
-
total
6 362
13 968
-
-
Income
78 000
78 000
78 000
78 000
Total tax
26 862
37 745
21 867
27 511
After tax
51 138
40 255
56 133
50 489
Living cost
32 110
32 110
32 110
32 110
Free-cash
19 028
8 145
24 023
18 379

Estimated living cost  is ₽32110 per week

₽22150
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3455
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽466
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6039
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

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

Riga , Latvia
₽26721
₽24394
₽45097
₽38274
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.

-
-
-
78 000
microenterprise
-
-
-
-
income
-
-
-
11 225
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.

-
-
-
25 078
surtax
-
-
-
-
total
-
-
-
36 303
Employee
24 303
-
62 858
-
income
4 326
-
11 919
-
social contributions

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

2 674
-
6 915
-
surtax
-
-
-
-
total
7 000
-
18 834
-
Employer
24 303
-
62 858
-
social contributions

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

5 854
-
15 142
-
surtax
-
-
-
-
total
5 854
-
15 142
-
Corporate
47 843
78 000
-
-
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%.

9 569
15 600
-
-
total
9 569
15 600
-
-
Dividends

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

38 274
62 400
-
-
total
-
-
-
-
Income
78 000
78 000
78 000
78 000
Total tax
22 423
15 600
33 976
36 303
After tax
55 577
62 400
44 024
41 697
Living cost
17 303
17 303
17 303
17 303
Free-cash
38 274
45 097
26 721
24 394

Estimated living cost  is ₽17303 per week

₽11039
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1648
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽393
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4224
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Istanbul , Turkey
₽32882
₽33646
₽37928
₽36162
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
-
-
-
78 000
income
-
-
-
20 091
health
-
-
-
5 682
pensions
-
-
-
7 837
total
-
-
-
33 610
Employee
16 364
-
69 183
-
income
3 166
-
19 679
-
health
818
-
1 959
-
unemployment
164
-
392
-
pensions
1 473
-
3 527
-
total
5 621
-
25 557
-
Employer
16 364
-
69 183
-
unemployment
327
-
784
-
pensions
1 800
-
4 310
-
health
1 555
-
3 723
-
total
3 682
-
8 817
-
Corporate
57 953
78 000
-
-
income
12 750
17 160
-
-
total
12 750
17 160
-
-
Dividends
45 204
60 840
-
-
withholding
9 041
12 168
-
-
total
9 041
12 168
-
-
Income
78 000
78 000
78 000
78 000
Total tax
31 094
29 328
34 374
33 610
After tax
46 906
48 672
43 626
44 390
Living cost
10 744
10 744
10 744
10 744
Free-cash
36 162
37 928
32 882
33 646

Estimated living cost  is ₽10744 per week

₽6385
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽871
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽246
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3242
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details
Athens , Greece
₽20476
₽21979
₽30380
₽27736
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
-
-
-
78 000
income
-
-
-
14 340
health
-
-
-
5 538
unemployment
-
-
-
189
surtax
-
-
-
1 673
pensions
-
-
-
15 600
other
-
-
-
-
total
-
-
-
37 340
Employee
28 009
-
64 436
-
other
-
-
-
-
income
4 695
-
13 354
-
health
715
-
1 643
-
unemployment
1 949
-
4 486
-
surtax
99
-
1 499
-
pensions
1 869
-
4 298
-
total
9 327
-
25 280
-
Employer
28 009
-
64 436
-
unemployment
889
-
2 042
-
pensions
3 734
-
8 589
-
other
-
-
-
-
health
1 274
-
2 932
-
total
5 897
-
13 563
-
Corporate
44 095
78 000
-
-
income
11 465
20 280
-
-
total
11 465
20 280
-
-
Dividends
32 630
57 720
-
-
withholding
4 894
8 659
-
-
total
4 894
8 659
-
-
Income
78 000
78 000
78 000
78 000
Total tax
31 583
28 939
38 843
37 340
After tax
46 417
49 061
39 157
40 660
Living cost
18 681
18 681
18 681
18 681
Free-cash
27 736
30 380
20 476
21 979

Estimated living cost  is ₽18681 per week

₽11279
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1624
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽434
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5346
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details
Graz , Austria
-₽2179
₽13547
₽17368
₽16953
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
-
-
-
78 000
income
-
-
-
12 107
chamber of commerce
-
-
-
313
health
-
-
-