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
₽ 78500
per

Your estimated
City
free-cash

Valencia , Spain
₽18077
₽17520
₽28931
₽24357
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
-
-
-
78 500
income
-
-
-
13 450
accident
-
-
-
707
unemployment
-
-
-
549
pensions
-
-
-
22 216
other
-
-
-
78
total
-
-
-
37 000
Employee
32 244
-
59 524
-
other
31
-
60
-
income
6 216
-
13 686
-
unemployment
500
-
923
-
pensions
1 516
-
2 798
-
total
8 263
-
17 467
-
Employer
32 244
-
59 524
-
unemployment
1 774
-
3 273
-
pensions
7 609
-
14 048
-
other
258
-
477
-
accident
639
-
1 178
-
total
10 280
-
18 976
-
Corporate
35 976
78 500
-
-
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.

5 396
11 776
-
-
total
5 396
11 776
-
-
Dividends
30 580
66 724
-
-
withholding
6 224
13 813
-
-
total
6 224
13 813
-
-
Income
78 500
78 500
78 500
78 500
Total tax
30 163
25 589
36 443
37 000
After tax
48 337
52 911
42 057
41 500
Living cost
23 980
23 980
23 980
23 980
Free-cash
24 357
28 931
18 077
17 520

Estimated living cost  is ₽23980 per week

₽16186
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2305
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽420
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.
₽5069
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
₽22777
₽19272
₽34438
₽28549
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
-
-
-
78 500
income
-
-
-
9 970
health
-
-
-
3 454
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.

-
-
-
18 840
other
-
-
-
3 728
total
-
-
-
35 992
Employee
31 662
-
62 700
-
income
5 451
-
10 793
-
health
443
-
877
-
unemployment
316
-
627
-
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.

2 216
-
4 390
-
total
8 426
-
16 687
-
Employer
31 662
-
62 700
-
unemployment
316
-
627
-
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.

5 383
-
10 659
-
other
1 584
-
3 136
-
accident
253
-
501
-
health
443
-
877
-
total
7 979
-
15 800
-
Corporate
38 858
78 500
-
-
income
8 160
16 485
-
-
total
8 160
16 485
-
-
Dividends
30 698
62 015
-
-
withholding
2 150
4 341
-
-
total
2 150
4 341
-
-
Income
78 500
78 500
78 500
78 500
Total tax
26 715
20 826
32 487
35 992
After tax
51 785
57 674
46 013
42 508
Living cost
23 236
23 236
23 236
23 236
Free-cash
28 549
34 438
22 777
19 272

Estimated living cost  is ₽23236 per week

₽16418
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1569
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽374
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.
₽4875
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
₽49374
₽47110
₽55655
₽51594
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
-
-
-
78 500
income
-
-
-
11 775
health
-
-
-
3 512
unemployment
-
-
-
122
pensions

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

-
-
-
4 519
total
-
-
-
19 928
Employee
15 177
-
72 509
-
income
1 517
-
7 251
-
health
698
-
1 405
-
accident

We are using the highest rate at 1.1%.

167
-
336
-
pensions

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

1 333
-
2 681
-
total
3 715
-
11 673
-
Employer
15 177
-
72 509
-
unemployment
91
-
183
-
pensions

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

1 673
-
3 365
-
accident

We are using the highest rate at 1.1%.

167
-
336
-
health
1 048
-
2 107
-
total
2 979
-
5 991
-
Corporate
60 345
78 500
-
-
income
6 034
7 850
-
-
total
6 034
7 850
-
-
Dividends
54 311
70 650
-
-
withholding
2 716
3 533
-
-
total
2 716
3 533
-
-
Income
78 500
78 500
78 500
78 500
Total tax
15 444
11 383
17 664
19 928
After tax
63 056
67 117
60 836
58 572
Living cost
11 462
11 462
11 462
11 462
Free-cash
51 594
55 655
49 374
47 110

Estimated living cost  is ₽11462 per week

₽6691
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽819
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽304
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3648
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
₽15399
₽15616
₽9729
₽14880
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
-
-
-
78 500
income
-
-
-
6 245
social contributions
-
-
-
2 237
health
-
-
-
975
surtax
-
-
-
-
pensions
-
-
-
21 156
other
-
-
-
2 436
total
-
-
-
33 049
Employee
37 321
-
59 820
-
income
2 203
-
6 114
-
social contributions
1 064
-
1 704
-
surtax
-
-
-
-
pensions
4 220
-
6 767
-
total
7 487
-
14 585
-
Employer
37 321
-
59 820
-
unemployment
1 511
-
2 423
-
social contributions
113
-
179
-
pensions
6 131
-
9 828
-
other
1 287
-
2 064
-
health
2 613
-
4 187
-
total
11 655
-
18 681
-
Corporate
29 524
78 500
-
-
income
8 266
21 979
-
-
surtax
-
-
-
-
total
8 266
21 979
-
-
Dividends
21 258
56 521
-
-
withholding
2 721
7 235
-
-
surtax
-
-
-
-
social contributions
3 656
9 722
-
-
total
6 377
16 957
-
-
Income
78 500
78 500
78 500
78 500
Total tax
33 785
38 936
33 266
33 049
After tax
44 715
39 564
45 234
45 451
Living cost
29 835
29 835
29 835
29 835
Free-cash
14 880
9 729
15 399
15 616

Estimated living cost  is ₽29835 per week

₽18812
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2426
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.
₽8090
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
-₽8093
₽8076
-₽3198
-₽8093
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
-
-
-
78 500
income
-
-
-
13 725
health
-
-
-
9 952
pensions
-
-
-
10 217
total
-
-
-
33 894
Employee
74 467
74 467
74 467
-
income

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

12 189
12 189
12 189
-
health
11 430
9 722
11 430
-
pensions
13 404
10 217
13 404
-
total
37 023
32 128
37 023
-
Employer
74 467
74 467
74 467
-
unemployment
2 681
2 681
2 681
-
pensions
5 183
5 183
5 183
-
health
5 176
5 176
5 176
-
total
13 040
13 040
13 040
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Income
78 500
78 500
78 500
78 500
Total tax
50 063
45 168
50 063
33 894
After tax
28 437
33 332
28 437
44 606
Living cost
36 530
36 530
36 530
36 530
Free-cash
-8 093
-3 198
-8 093
8 076

Estimated living cost  is ₽36530 per week

₽25888
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3293
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽581
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.
₽6768
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
₽30448
₽24469
₽13304
₽22949
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.

-
-
-
78 500
income

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

-
-
-
14 865
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.

-
-
-
5 957
trade
-
-
-
5 979
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.

-
-
-
817
total
-
-
-
27 618
Employee

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

33 353
-
78 500
-
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.

932
-
14 865
-
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.

5 957
-
5 957
-
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.

51
-
817
-
total
6 940
-
21 639
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
45 147
78 500
-
-
chamber of commerce
197
245
-
-
income
6 772
11 776
-
-
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.

372
647
-
-
trade
7 111
12 363
-
-
total
14 452
25 031
-
-
Dividends
30 695
53 469
-
-
withholding
7 342
13 035
-
-
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.

404
717
-
-
total
7 746
13 752
-
-
Income
78 500
78 500
78 500
78 500
Total tax
29 138
38 783
21 639
27 618
After tax
49 362
39 717
56 861
50 882
Living cost
26 413
26 413
26 413
26 413
Free-cash
22 949
13 304
30 448
24 469

Estimated living cost  is ₽26413 per week

₽16614
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3080
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽493
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.
₽6225
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
₽36608
₽36685
₽37323
₽32576
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
-
-
-
78 500
income
-
-
-
7 377
social contributions
-
-
-
12 246
health
-
-
-
2 002
total
-
-
-
21 625
Employee
67 055
67 055
71 267
-
income
7 301
6 207
7 344
-
social contributions
2 535
5 565
5 914
-
health
520
1 140
1 211
-
total
10 356
12 912
14 469
-
Employer
67 055
67 055
71 267
-
social contributions
2 535
5 565
5 914
-
health
564
1 241
1 319
-
total
3 099
6 806
7 233
-
Corporate
44 855
4 639
-
-
income
5 607
579
-
-
total
5 607
579
-
-
Dividends
39 248
4 060
-
-
withholding
6 672
690
-
-
total
6 672
690
-
-
Income
78 500
78 500
78 500
78 500
Total tax
25 734
20 987
21 702
21 625
After tax
52 766
57 513
56 798
56 875
Living cost
20 190
20 190
20 190
20 190
Free-cash
32 576
37 323
36 608
36 685

Estimated living cost  is ₽20190 per week

₽12100
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1981
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽447
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.
₽5663
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
₽13192
₽16836
₽17298
₽16420
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.

-
-
-
78 500
income
-
-
-
7 033
social contributions

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

-
-
-
27 278
surtax
-
-
-
-
total
-
-
-
34 311
Employee
40 106
-
63 434
-
income
8 342
-
15 911
-
social contributions
4 412
-
6 978
-
surtax
-
-
-
-
total
12 754
-
22 889
-
Employer
40 106
-
63 434
-
social contributions
9 525
-
15 066
-
total
9 525
-
15 066
-
Corporate
28 868
78 500
-
-
income
6 062
16 485
-
-
surtax
-
-
-
-
total
6 062
16 485
-
-
Dividends
22 807
62 015
-
-
withholding
6 386
17 364
-
-
total
6 386
17 364
-
-
Income
78 500
78 500
78 500
78 500
Total tax
34 727
33 849
37 955
34 311
After tax
43 773
44 651
40 545
44 189
Living cost
27 353
27 353
27 353
27 353
Free-cash
16 420
17 298
13 192
16 836

Estimated living cost  is ₽27353 per week

₽20465
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1613
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.
₽4817
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
₽56519
₽71434
₽68294
₽67116
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%.

-
-
-
78 500
microenterprise

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

-
-
-
785
total
-
-
-
785
Employee
7 851
-
78 500
-
income
1 570
-
15 700
-
total
1 570
-
15 700
-
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%.

70 649
78 500
-
-
total
-
-
-
-
Dividends
70 649
78 500
-
-
withholding
3 533
3 925
-
-
total
3 533
3 925
-
-
Income
78 500
78 500
78 500
78 500
Total tax
5 103
3 925
15 700
785
After tax
73 397
74 575
62 800
77 715
Living cost
6 281
6 281
6 281
6 281
Free-cash
67 116
68 294
56 519
71 434

Estimated living cost  is ₽6281 per week

₽3893
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽522
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽173
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽1694
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
₽15360
₽17606
₽30657
₽23363
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.

-
-
-
78 500
income
-
-
-
15 326
health
-
-
-
7 725
unemployment
-
-
-
117
pensions
-
-
-
14 336
total
-
-
-
37 504
Employee

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

38 561
-
67 922
-
income
6 650
-
14 166
-
health
2 491
-
4 387
-
unemployment
55
-
94
-
pensions
5 977
-
10 528
-
total
15 173
-
29 175
-
Employer

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

38 561
-
67 922
-
unemployment
23
-
41
-
pensions
3 412
-
6 010
-
health
2 568
-
4 524
-
total
6 003
-
10 575
-
Corporate
33 935
78 500
-
-
income
6 447
14 915
-
-
total
6 447
14 915
-
-
Dividends
27 488
63 585
-
-
withholding
4 124
9 538
-
-
total
4 124
9 538
-
-
Income
78 500
78 500
78 500
78 500
Total tax
31 747
24 453
39 750
37 504
After tax
46 753
54 047
38 750
40 996
Living cost
23 390
23 390
23 390
23 390
Free-cash
23 363
30 657
15 360
17 606

Estimated living cost  is ₽23390 per week

₽16052
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1499
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.
₽5386
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
₽25862
₽16317
₽14763
₽19055
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.

-
-
-
78 500
income
-
-
-
24 822
health

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

-
-
-
5 706
total
-
-
-
30 528
Employee
40 003
-
74 489
-
social contributions
4 008
-
4 011
-
income
4 341
-
12 961
-
total
8 349
-
16 972
-
Employer
40 003
-
74 489
-
social contributions
4 008
-
4 011
-
total
4 008
-
4 011
-
Corporate
34 489
78 500
-
-
income
12 070
27 475
-
-
total
12 070
27 475
-
-
Dividends
22 418
51 025
-
-
social contributions
3 363
4 607
-
-
total
3 363
4 607
-
-
Income
78 500
78 500
78 500
78 500
Total tax
27 790
32 082
20 983
30 528
After tax
50 710
46 418
57 517
47 972
Living cost
31 655
31 655
31 655
31 655
Free-cash
19 055
14 763
25 862
16 317

Estimated living cost  is ₽31655 per week

₽20851
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2495
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.
₽7822
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
₽32510
₽31921
₽29400
₽29853
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
-
-
-
78 500
income
-
-
-
11 776
social contributions
-
-
-
10 833
health
-
-
-
5 479
total
-
-
-
28 088
Employee
29 567
-
78 500
-
income
4 931
-
11 187
-
social contributions
4 081
-
10 833
-
health
2 064
-
5 479
-
total
11 076
-
27 499
-
Employer
29 567
-
78 500
-
total
-
-
-
-
Corporate
48 933
78 500
-
-
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%.

2 446
3 925
-
-
total
2 446
3 925
-
-
Dividends
46 487
74 575
-
-
withholding
6 973
11 187
-
-
health
3 245
5 206
-
-
social contributions
6 416
10 291
-
-
total
16 634
26 684
-
-
Income
78 500
78 500
78 500
78 500
Total tax
30 156
30 609
27 499
28 088
After tax
48 344
47 891
51 001
50 412
Living cost
18 491
18 491
18 491
18 491
Free-cash
29 853
29 400
32 510
31 921

Estimated living cost  is ₽18491 per week

₽12375
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1140
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽425
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.
₽4549
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
₽16257
₽14656
₽30469
₽22057
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
-
-
-
78 500
income
-
-
-
6 747
social contributions
-
-
-
22 922
solidarity contribution
-
-
-
-
health
-
-
-
10 597
total
-
-
-
40 266
Employee
34 673
-
58 582
-
solidarity contribution
-
-
-
-
income
4 161
-
7 030
-
social contributions
2 254
-
3 808
-
health
4 681
-
7 909
-
total
11 096
-
18 747
-
Employer
34 673
-
58 582
-
social contributions
8 668
-
14 646
-
health
3 121
-
5 272
-
total
11 789
-
19 918
-
Corporate
32 038
78 500
-
-
income
6 087
14 915
-
-
total
6 087
14 915
-
-
Dividends
25 951
63 585
-
-
withholding
3 893
9 538
-
-
total
3 893
9 538
-
-
Income
78 500
78 500
78 500
78 500
Total tax
32 865
24 453
38 665
40 266
After tax
45 635
54 047
39 835
38 234
Living cost
23 578
23 578
23 578
23 578
Free-cash
22 057
30 469
16 257
14 656

Estimated living cost  is ₽23578 per week

₽17534
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1306
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.
₽4330
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
₽53012
₽67927
₽64787
₽62952
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%.

-
-
-
78 500
microenterprise

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

-
-
-
785
total
-
-
-
785
Employee
12 236
-
78 500
-
income
2 447
-
15 700
-
total
2 447
-
15 700
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

66 264
78 500
-
-
total
-
-
-
-
Dividends
66 264
78 500
-
-
withholding
3 313
3 925
-
-
total
3 313
3 925
-
-
Income
78 500
78 500
78 500
78 500
Total tax
5 760
3 925
15 700
785
After tax
72 740
74 575
62 800
77 715
Living cost
9 788
9 788
9 788
9 788
Free-cash
62 952
64 787
53 012
67 927

Estimated living cost  is ₽9788 per week

₽6624
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽411
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽328
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.
₽2425
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
₽3116
₽3333
-₽2554
₽3439
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
-
-
-
78 500
income
-
-
-
6 245
social contributions
-
-
-
2 237
health
-
-
-
975
surtax
-
-
-
-
pensions
-
-
-
21 156
other
-
-
-
2 436
total
-
-
-
33 049
Employee
54 617
-
59 820
-
income
4 765
-
6 114
-
social contributions
1 556
-
1 704
-
surtax
-
-
-
-
pensions
6 177
-
6 767
-
total
12 498
-
14 585
-
Employer
54 617
-
59 820
-
unemployment
2 213
-
2 423
-
social contributions
164
-
179
-
pensions
8 974
-
9 828
-
other
1 885
-
2 064
-
health
3 823
-
4 187
-
total
17 059
-
18 681
-
Corporate
6 825
78 500
-
-
income
1 911
21 979
-
-
surtax
-
-
-
-
total
1 911
21 979
-
-
Dividends
4 914
56 521
-
-
withholding
629
7 235
-
-
surtax
-
-
-
-
social contributions
846
9 722
-
-
total
1 475
16 957
-
-
Income
78 500
78 500
78 500
78 500
Total tax
32 943
38 936
33 266
33 049
After tax
45 557
39 564
45 234
45 451
Living cost
42 118
42 118
42 118
42 118
Free-cash
3 439
-2 554
3 116
3 333

Estimated living cost  is ₽42118 per week

₽28504
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3445
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽578
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.
₽9590
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
₽25471
₽25469
₽41679
₽37400
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.

-
-
-
78 500
income
-
-
-
13 703
health
-
-
-
6 619
unemployment
-
-
-
964
pensions
-
-
-
16 708
total
-
-
-
37 994
Employee

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

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

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

22 675
-
66 997
-
income
3 126
-
13 703
-
health
1 168
-
3 309
-
unemployment
170
-
482
-
pensions
3 175
-
8 996
-
total
7 639
-
26 490
-
Employer

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

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

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

22 675
-
66 997
-
unemployment
170
-
482
-
pensions
2 721
-
7 711
-
health
1 168
-
3 309
-
total
4 059
-
11 502
-
Corporate
51 766
78 500
-
-
income
7 765
11 775
-
-
total
7 765
11 775
-
-
Dividends
44 001
66 725
-
-
withholding
6 600
10 009
-
-
total
6 600
10 009
-
-
Income
78 500
78 500
78 500
78 500
Total tax
26 063
21 784
37 992
37 994
After tax
52 437
56 716
40 508
40 506
Living cost
15 037
15 037
15 037
15 037
Free-cash
37 400
41 679
25 471
25 469

Estimated living cost  is ₽15037 per week

₽10125
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1163
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽435
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3314
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
₽646
₽4594
-₽25072
₽354
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
-
-
-
78 500
regional
-
-
-
2 653
national
-
-
-
465
health
-
-
-
199
city
-
-
-
827
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.

-
-
-
1 571
pensions
-
-
-
7 222
total
-
-
-
12 937
Employee
71 350
-
70 262
-
regional
2 336
-
2 277
-
city
766
-
755
-
health
161
-
158
-
unemployment
-
-
-
-
national
338
-
328
-
pensions
5 994
-
5 902
-
total
9 595
-
9 420
-
Employer
71 350
-
70 262
-
unemployment
-
-
-
-
pensions
5 994
-
5 902
-
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.

1 427
-
1 405
-
health
161
-
158
-
total
7 582
-
7 465
-
Corporate
-
78 500
-
-
regional
-
16 603
-
-
national
-
6 672
-
-
total
-
23 275
-
-
Dividends
-
55 224
-
-
withholding
-
19 328
-
-
total
-
19 328
-
-
Income
78 500
78 500
78 500
78 500
Total tax
17 177
42 603
16 885
12 937
After tax
61 323
35 897
61 615
65 563
Living cost
60 969
60 969
60 969
60 969
Free-cash
354
-25 072
646
4 594

Estimated living cost  is ₽60969 per week

₽39647
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5471
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽749
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.
₽15102
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
₽11992
₽23237
₽19381
₽16585
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

-
-
-
78 500
municipal
-
-
-
13 978
national
-
-
-
6 960
health
-
-
-
846
total
-
-
-
21 784
Employee
45 879
-
66 039
-
health
343
-
654
-
unemployment
688
-
991
-
national
758
-
3 677
-
municipal
7 515
-
10 788
-
pensions
3 096
-
4 458
-
total
12 400
-
20 568
-
Employer
45 879
-
66 039
-
unemployment
298
-
429
-
pensions
7 960
-
11 458
-
accident
46
-
66
-
health
352
-
508
-
total
8 656
-
12 461
-
Corporate
23 965
78 500
-
-
income
4 792
15 699
-
-
total
4 792
15 699
-
-
Dividends

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

14 379
47 100
-
-
national
-
1 463
-
-
municipal
2 588
8 478
-
-
total
2 588
9 941
-
-
Income
78 500
78 500
78 500
78 500
Total tax
28 436
25 640
33 029
21 784
After tax
50 064
52 860
45 471
56 716
Living cost
33 479
33 479
33 479
33 479
Free-cash
16 585
19 381
11 992
23 237

Estimated living cost  is ₽33479 per week

₽21869
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3220
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽533
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.
₽7859
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
-₽669
₽6124
₽12264
-₽2034
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
-
-
-
78 500
national
-
-
-
24 802
social contributions
-
-
-
11 776
communal

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

-
-
-
4 003
total
-
-
-
40 581
Employee

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

62 376
-
60 803
-
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.

2 931
-
2 858
-
communal

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

3 253
-
3 171
-
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.

543
-
530
-
national
19 177
-
18 560
-
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.

4 678
-
4 561
-
total
30 582
-
29 680
-
Employer

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

62 376
-
60 803
-
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.

910
-
887
-
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.

5 527
-
5 386
-
surtax
7 073
-
6 894
-
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.

811
-
789
-
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.

3 836
-
3 738
-
total
18 157
-
17 694
-
Corporate
-
78 500
-
-
income
-
15 699
-
-
surtax
-
314
-
-
total
-
16 013
-
-
Dividends
-
62 486
-
-
withholding

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

-
18 428
-
-
total
-
18 428
-
-
Income
78 500
78 500
78 500
78 500
Total tax
48 739
34 441
47 374
40 581
After tax
29 761
44 059
31 126
37 919
Living cost
31 795
31 795
31 795
31 795
Free-cash
-2 034
12 264
-669
6 124

Estimated living cost  is ₽31795 per week

₽20480
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2780
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽498
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.
₽8038
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
₽6189
₽3437
₽7129
₽6328
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
-
-
-
78 500
municipal
-
-
-
16 643
national
-
-
-
-
health
-
-
-
4 887
accident
-
-
-
157
unemployment
-
-
-
78
pensions
-
-
-
8 466
other
-
-
-
9 100
total
-
-
-
39 331
Employee
50 915
-
59 732
-
national
-
-
-
-
municipal
15 183
-
17 812
-
total
15 183
-
17 812
-
Employer
50 915
-
59 732
-
unemployment
1 344
-
1 577
-
pensions
5 504
-
6 457
-
other
5 916
-
6 941
-
accident
102
-
119
-
health
3 131
-
3 673
-
total
15 997
-
18 767
-
Corporate
11 587
78 500
-
-
income
2 549
17 270
-
-
total
2 549
17 270
-
-
Dividends
9 038
61 230
-
-
withholding
2 711
18 369
-
-
total
2 711
18 369
-
-
Income
78 500
78 500
78 500
78 500
Total tax
36 440
35 639
36 579
39 331
After tax
42 060
42 861
41 921
39 169
Living cost
35 732
35 732
35 732
35 732
Free-cash
6 328
7 129
6 189
3 437

Estimated living cost  is ₽35732 per week

₽23682
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3506
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽543
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.
₽8001
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
₽28013
₽15559
₽9068
-₽55201
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
-
-
-
78 500
income
-
-
-
15 301
social contributions
-
-
-
8 949
total
-
-
-
24 250
Employee
55 478
-
-
-
income
12 237
-
-
-
social contributions
4 549
-
648
-
total
16 786
-
648
-
Employer
55 478
-
-
-
social contributions
78 224
-
11 148
-
total
78 224
-
11 148
-
Corporate
-
78 500
-
-
income
-
17 270
-
-
total
-
17 270
-
-
Dividends
-
61 230
-
-
income
-
13 471
-
-
total
-
13 471
-
-
Income
78 500
78 500
78 500
78 500
Total tax
95 010
30 741
11 796
24 250
After tax
-16 510
47 759
66 704
54 250
Living cost
38 691
38 691
38 691
38 691
Free-cash
-55 201
9 068
28 013
15 559

Estimated living cost  is ₽38691 per week

₽25104
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3639
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽493
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.
₽9455
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
₽28514
₽28591
₽29229
₽25612
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
-
-
-
78 500
income
-
-
-
7 377
social contributions
-
-
-
12 246
health
-
-
-
2 002
total
-
-
-
21 625
Employee
67 055
67 055
71 267
-
income
7 041
6 207
7 344
-
social contributions
3 258
5 565
5 914
-
health
667
1 140
1 211
-
total
10 966
12 912
14 469
-
Employer
67 055
67 055
71 267
-
social contributions
3 258
5 565
5 914
-
health
726
1 241
1 319
-
total
3 984
6 806
7 233
-
Corporate
35 265
4 639
-
-
income
4 408
579
-
-
total
4 408
579
-
-
Dividends
30 856
4 060
-
-
withholding
5 246
690
-
-
total
5 246
690
-
-
Income
78 500
78 500
78 500
78 500
Total tax
24 604
20 987
21 702
21 625
After tax
53 896
57 513
56 798
56 875
Living cost
28 284
28 284
28 284
28 284
Free-cash
25 612
29 229
28 514
28 591

Estimated living cost  is ₽28284 per week

₽19335
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2209
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.
₽6265
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
₽17721
₽26131
₽27151
₽22342
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
-
-
-
78 500
income
-
-
-
15 064
pensions
-
-
-
5 641
total
-
-
-
20 705
Employee
43 463
-
69 237
-
income
7 915
-
12 346
-
health
567
-
1 095
-
pensions
3 317
-
6 411
-
total
11 799
-
19 852
-
Employer
43 463
-
69 237
-
pensions
4 391
-
7 947
-
health
826
-
1 316
-
total
5 217
-
9 263
-
Corporate
29 820
78 500
-
-
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.

5 666
14 916
-
-
total
5 666
14 916
-
-
Dividends
24 154
63 584
-
-
withholding
1 812
4 769
-
-
total
1 812
4 769
-
-
Income
78 500
78 500
78 500
78 500
Total tax
24 494
19 685
29 115
20 705
After tax
54 006
58 815
49 385
57 795
Living cost
31 664
31 664
31 664
31 664
Free-cash
22 342
27 151
17 721
26 131

Estimated living cost  is ₽31664 per week

₽21721
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2912
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽396
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6633
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
₽1900
₽5490
₽6610
₽2642
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
-
-
-
78 500
municipal
-
-
-
525
regional
-
-
-
1 487
national
-
-
-
16 068
social contributions
-
-
-
20 191
total
-
-
-
38 271
Employee
73 482
-
78 500
-
regional
1 109
-
1 240
-
social contributions
24 778
-
26 471
-
national
12 418
-
13 682
-
municipal
439
-
468
-
total
38 744
-
41 861
-
Employer
73 482
-
78 500
-
total
-
-
-
-
Corporate
5 018
78 500
-
-
nationa
1 205
18 840
-
-
municipal
242
3 783
-
-
total
1 447
22 623
-
-
Dividends
3 571
55 877
-
-
withholding
928
14 528
-
-
total
928
14 528
-
-
Income
78 500
78 500
78 500
78 500
Total tax
41 119
37 151
41 861
38 271
After tax
37 381
41 349
36 639
40 229
Living cost
34 739
34 739
34 739
34 739
Free-cash
2 642
6 610
1 900
5 490

Estimated living cost  is ₽34739 per week

₽24402
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2390
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽525
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7422
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
₽22353
₽35914
-₽11626
₽3602
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
-
-
-
78 500
income
-
-
-
18 907
health
-
-
-
1 783
accident
-
-
-
206
pensions
-
-
-
3 402
other
-
-
-
303
total
-
-
-
24 601
Employee
28 292
-
66 743
-
income
3 881
-
12 526
-
health
3 239
-
7 642
-
pensions
3 186
-
6 237
-
total
10 306
-
26 405
-
Employer
28 292
-
66 743
-
unemployment
693
-
1 635
-
pensions
4 600
-
9 007
-
accident
472
-
1 115
-
total
5 765
-
11 757
-
Corporate
44 442
78 500
-
-
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.

39 998
70 650
-
-
total
39 998
70 650
-
-
Dividends
4 444
7 850
-
-
withholding
844
1 491
-
-
total
844
1 491
-
-
Income
78 500
78 500
78 500
78 500
Total tax
56 913
72 141
38 162
24 601
After tax
21 587
6 359
40 338
53 899
Living cost
17 985
17 985
17 985
17 985
Free-cash
3 602
-11 626
22 353
35 914

Estimated living cost  is ₽17985 per week

₽13182
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽996
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽375
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.
₽3432
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
₽23195
₽17748
₽6857
₽18264
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.

-
-
-
78 500
income

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

-
-
-
14 865
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.

-
-
-
5 957
trade
-
-
-
5 446
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.

-
-
-
817
total
-
-
-
27 085
Employee

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

43 389
-
78 500
-
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.

3 568
-
14 865
-
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.

5 957
-
5 957
-
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.

197
-
817
-
total
9 722
-
21 639
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
35 111
78 500
-
-
chamber of commerce
184
248
-
-
income
5 267
11 776
-
-
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.

290
647
-
-
trade
5 039
11 264
-
-
total
10 780
23 935
-
-
Dividends
24 332
54 565
-
-
withholding
5 752
13 310
-
-
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.

316
731
-
-
total
6 068
14 041
-
-
Income
78 500
78 500
78 500
78 500
Total tax
26 570
37 976
21 639
27 085
After tax
51 930
40 524
56 861
51 415
Living cost
33 666
33 666
33 666
33 666
Free-cash
18 264
6 857
23 195
17 748

Estimated living cost  is ₽33666 per week

₽23224
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3622
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽488
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.
₽6331
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
₽26204
₽23863
₽44659
₽37505
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.

-
-
-
78 500
microenterprise
-
-
-
-
income
-
-
-
11 257
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.

-
-
-
25 238
surtax
-
-
-
-
total
-
-
-
36 495
Employee
25 481
-
63 261
-
income
4 536
-
11 956
-
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.

2 803
-
6 959
-
surtax
-
-
-
-
total
7 339
-
18 915
-
Employer
25 481
-
63 261
-
social contributions

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

6 138
-
15 239
-
surtax
-
-
-
-
total
6 138
-
15 239
-
Corporate
46 881
78 500
-
-
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%.

9 376
15 699
-
-
total
9 376
15 699
-
-
Dividends

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

37 505
62 801
-
-
total
-
-
-
-
Income
78 500
78 500
78 500
78 500
Total tax
22 853
15 699
34 154
36 495
After tax
55 647
62 801
44 346
42 005
Living cost
18 142
18 142
18 142
18 142
Free-cash
37 505
44 659
26 204
23 863

Estimated living cost  is ₽18142 per week

₽11574
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1728
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽412
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.
₽4428
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
₽32218
₽33023
₽37643
₽35778
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
-
-
-
78 500
income
-
-
-
19 865
health
-
-
-
5 998
pensions
-
-
-
8 273
total
-
-
-
34 136
Employee
17 274
-
69 193
-
income
3 342
-
19 430
-
health
864
-
2 068
-
unemployment
173
-
414
-
pensions
1 555
-
3 723
-
total
5 934
-
25 635
-
Employer
17 274
-
69 193
-
unemployment
346
-
827
-
pensions
1 900
-
4 550
-
health
1 641
-
3 929
-
total
3 887
-
9 306
-
Corporate
57 339
78 500
-
-
income
12 615
17 270
-
-
total
12 615
17 270
-
-
Dividends
44 724
61 230
-
-
withholding
8 945
12 246
-
-
total
8 945
12 246
-
-
Income
78 500
78 500
78 500
78 500
Total tax
31 381
29 516
34 941
34 136
After tax
47 119
48 984
43 559
44 364
Living cost
11 341
11 341
11 341
11 341
Free-cash
35 778
37 643
32 218
33 023

Estimated living cost  is ₽11341 per week

₽6740
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽919
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽260
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.
₽3422
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
₽20182
₽21693
₽29789
₽27016
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
-
-
-
78 500
income
-
-
-
14 150
health
-
-
-
5 573
unemployment
-
-
-
199
surtax
-
-
-
1 599
pensions
-
-
-
15 699
other
-
-
-
-
total
-
-
-
37 220
Employee
29 367
-
64 849
-
other
-
-
-
-
income
4 923
-
13 161
-
health
750
-
1 655
-
unemployment
2 044
-
4 513
-
surtax
104
-
1 425
-
pensions
1 959
-
4 326
-
total
9 780
-
25 080
-
Employer
29 367
-
64 849
-
unemployment
932
-
2 055
-
pensions
3 915
-
8 645
-
other
-
-
-
-
health
1 335
-
2 951
-
total
6 182
-
13 651
-
Corporate
42 951
78 500
-
-
income
11 167
20 411
-
-
total
11 167
20 411
-
-
Dividends
31 784
58 089
-
-
withholding
4 768
8 713
-
-
total
4 768
8 713
-
-
Income
78 500
78 500
78 500
78 500
Total tax
31 897
29 124
38 731
37 220
After tax
46 603
49 376
39 769
41 280
Living cost
19 587
19 587
19 587
19 587
Free-cash
27 016
29 789
20 182
21 693

Estimated living cost  is ₽19587 per week

₽11825
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1703
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽455
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5605
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
-₽2373
₽12813
₽16423
₽15994
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
-
-
-
78 500
income
-
-
-
11 676
chamber of commerce
-
-
-
314
health
-
-
-