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
₽ 79000
per

Your estimated
City
free-cash

Valencia , Spain
₽26728
₽19685
₽19934
₽30974
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
-
-
-
79 000
unemployment
-
-
-
525
income
-
-
-
14 299
other
-
-
-
75
accident
-
-
-
676
pensions
-
-
-
21 232
total
-
-
-
36 807
Employee
29 931
-
59 903
-
unemployment
464
-
928
-
pensions
1 407
-
2 816
-
income
5 770
-
14 155
-
other
29
-
60
-
total
7 670
-
17 959
-
Employer
29 931
-
59 903
-
pensions
7 063
-
14 137
-
accident
593
-
1 186
-
unemployment
1 647
-
3 295
-
other
240
-
479
-
total
9 543
-
19 097
-
Corporate
39 527
79 000
-
-
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.

5 929
11 850
-
-
total
5 929
11 850
-
-
Dividends
33 598
67 150
-
-
withholding
6 871
13 917
-
-
total
6 871
13 917
-
-
Income
79 000
79 000
79 000
79 000
Total tax
30 013
25 767
37 056
36 807
After tax
48 987
53 233
41 944
42 193
Living cost
22 259
22 259
22 259
22 259
Free-cash
26 728
30 974
19 685
19 934

Estimated living cost  is ₽22259 per week

₽15025
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2140
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽390
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.
₽4705
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
₽31007
₽24733
₽21208
₽36472
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
-
-
-
79 000
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.

-
-
-
18 960
income
-
-
-
10 034
other
-
-
-
3 753
health
-
-
-
3 476
total
-
-
-
36 223
Employee
29 391
-
63 098
-
health
412
-
883
-
unemployment
293
-
631
-
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.

2 057
-
4 416
-
income
5 060
-
10 867
-
total
7 822
-
16 797
-
Employer
29 391
-
63 098
-
health
412
-
883
-
pensions

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

4 997
-
10 727
-
accident
235
-
505
-
unemployment
293
-
631
-
other
1 470
-
3 155
-
total
7 407
-
15 901
-
Corporate
42 202
79 000
-
-
income
8 862
16 590
-
-
total
8 862
16 590
-
-
Dividends
33 340
62 410
-
-
withholding
2 333
4 369
-
-
total
2 333
4 369
-
-
Income
79 000
79 000
79 000
79 000
Total tax
26 424
20 959
32 698
36 223
After tax
52 576
58 041
46 302
42 777
Living cost
21 569
21 569
21 569
21 569
Free-cash
31 007
36 472
24 733
21 208

Estimated living cost  is ₽21569 per week

₽15240
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1456
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽347
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.
₽4525
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
₽53155
₽51379
₽48968
₽56920
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
-
-
-
79 000
pensions

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

-
-
-
4 189
unemployment
-
-
-
113
income
-
-
-
11 850
health
-
-
-
3 255
total
-
-
-
19 407
Employee
14 069
-
73 446
-
health
647
-
1 302
-
accident

We are using the highest rate at 1.1%.

155
-
311
-
pensions

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

1 235
-
2 485
-
income
1 407
-
7 345
-
total
3 444
-
11 443
-
Employer
14 069
-
73 446
-
health
971
-
1 953
-
pensions

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

1 551
-
3 119
-
accident

We are using the highest rate at 1.1%.

155
-
311
-
unemployment
84
-
170
-
total
2 761
-
5 553
-
Corporate
62 170
79 000
-
-
income
6 217
7 900
-
-
total
6 217
7 900
-
-
Dividends
55 953
71 100
-
-
withholding
2 798
3 555
-
-
total
2 798
3 555
-
-
Income
79 000
79 000
79 000
79 000
Total tax
15 220
11 455
16 996
19 407
After tax
63 780
67 545
62 004
59 593
Living cost
10 625
10 625
10 625
10 625
Free-cash
53 155
56 920
51 379
48 968

Estimated living cost  is ₽10625 per week

₽6203
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽759
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽281
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.
₽3382
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
₽16902
₽17094
₽17850
₽12120
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
-
-
-
79 000
income
-
-
-
7 248
other
-
-
-
2 452
health
-
-
-
1 355
social contributions
-
-
-
2 252
pensions
-
-
-
20 148
surtax
-
-
-
-
total
-
-
-
33 455
Employee
34 644
-
60 198
-
pensions
3 917
-
6 808
-
income
2 045
-
6 884
-
social contributions
988
-
1 716
-
surtax
-
-
-
-
total
6 950
-
15 408
-
Employer
34 644
-
60 198
-
health
2 426
-
4 214
-
social contributions
104
-
181
-
pensions
5 691
-
9 893
-
unemployment
1 402
-
2 438
-
other
1 195
-
2 077
-
total
10 818
-
18 803
-
Corporate
33 537
79 000
-
-
income
9 390
22 120
-
-
surtax
-
-
-
-
total
9 390
22 120
-
-
Dividends
24 147
56 880
-
-
social contributions
4 154
9 784
-
-
surtax
-
-
-
-
withholding
3 091
7 281
-
-
total
7 245
17 065
-
-
Income
79 000
79 000
79 000
79 000
Total tax
34 403
39 185
34 211
33 455
After tax
44 597
39 815
44 789
45 545
Living cost
27 695
27 695
27 695
27 695
Free-cash
16 902
12 120
17 094
17 850

Estimated living cost  is ₽27695 per week

₽17463
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2252
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽472
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.
₽7510
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
-₽1383
-₽1383
₽10942
₽3161
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
-
-
-
79 000
pensions
-
-
-
9 484
income
-
-
-
15 077
health
-
-
-
9 587
total
-
-
-
34 148
Employee
69 125
69 125
69 125
-
health
10 610
9 025
10 610
-
pensions
12 443
9 484
12 443
-
income

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

11 315
11 315
11 315
-
total
34 368
29 824
34 368
-
Employer
69 125
69 125
69 125
-
health
4 805
4 805
4 805
-
pensions
4 811
4 811
4 811
-
unemployment
2 489
2 489
2 489
-
total
12 105
12 105
12 105
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
79 000
79 000
79 000
79 000
Total tax
46 473
41 929
46 473
34 148
After tax
32 527
37 071
32 527
44 852
Living cost
33 910
33 910
33 910
33 910
Free-cash
-1 383
3 161
-1 383
10 942

Estimated living cost  is ₽33910 per week

₽24031
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3057
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽539
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.
₽6283
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
₽24384
₽31961
₽25446
₽15429
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.

-
-
-
79 000
trade
-
-
-
6 515
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.

-
-
-
16 105
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.

-
-
-
5 530
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.

-
-
-
886
total
-
-
-
29 036
Employee

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

30 961
-
79 000
-
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.

5 530
-
5 530
-
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.

865
-
16 105
-
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.

48
-
886
-
total
6 443
-
22 521
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
48 039
79 000
-
-
income
7 206
11 850
-
-
trade
7 567
12 443
-
-
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.

396
651
-
-
chamber of commerce
192
237
-
-
total
15 361
25 181
-
-
Dividends
32 678
53 820
-
-
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.

432
724
-
-
withholding
7 862
13 148
-
-
total
8 294
13 872
-
-
Income
79 000
79 000
79 000
79 000
Total tax
30 098
39 053
22 521
29 036
After tax
48 902
39 947
56 479
49 964
Living cost
24 518
24 518
24 518
24 518
Free-cash
24 384
15 429
31 961
25 446

Estimated living cost  is ₽24518 per week

₽15423
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2859
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽458
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.
₽5779
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
₽34693
₽37488
₽37568
₽39098
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
-
-
-
79 000
income
-
-
-
8 353
health
-
-
-
2 014
social contributions
-
-
-
12 324
total
-
-
-
22 691
Employee
62 244
62 244
71 720
-
health
482
1 058
1 220
-
income
6 777
5 762
8 320
-
social contributions
2 353
5 166
5 952
-
total
9 612
11 986
15 492
-
Employer
62 244
62 244
71 720
-
health
524
1 152
1 327
-
social contributions
2 353
5 166
5 952
-
total
2 877
6 318
7 279
-
Corporate
47 768
10 438
-
-
income
5 971
1 304
-
-
total
5 971
1 304
-
-
Dividends
41 798
9 134
-
-
withholding
7 106
1 553
-
-
total
7 106
1 553
-
-
Income
79 000
79 000
79 000
79 000
Total tax
25 566
21 161
22 771
22 691
After tax
53 434
57 839
56 229
56 309
Living cost
18 741
18 741
18 741
18 741
Free-cash
34 693
39 098
37 488
37 568

Estimated living cost  is ₽18741 per week

₽11232
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1839
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.
₽5257
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
₽18729
₽15010
₽18881
₽19545
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.

-
-
-
79 000
income
-
-
-
7 277
social contributions

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

-
-
-
27 452
surtax
-
-
-
-
total
-
-
-
34 729
Employee
37 229
-
63 839
-
income
7 744
-
16 417
-
social contributions
4 095
-
7 022
-
surtax
-
-
-
-
total
11 839
-
23 439
-
Employer
37 229
-
63 839
-
social contributions
8 842
-
15 161
-
total
8 842
-
15 161
-
Corporate
32 929
79 000
-
-
income
6 916
16 590
-
-
surtax
-
-
-
-
total
6 916
16 590
-
-
Dividends
26 013
62 410
-
-
withholding
7 284
17 475
-
-
total
7 284
17 475
-
-
Income
79 000
79 000
79 000
79 000
Total tax
34 881
34 065
38 600
34 729
After tax
44 119
44 935
40 400
44 271
Living cost
25 390
25 390
25 390
25 390
Free-cash
18 729
19 545
15 010
18 881

Estimated living cost  is ₽25390 per week

₽18997
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1498
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽424
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.
₽4472
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
₽67869
₽57153
₽72163
₽69003
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%.

-
-
-
79 000
microenterprise

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

-
-
-
790
total
-
-
-
790
Employee
7 559
-
79 000
-
income
1 512
-
15 800
-
total
1 512
-
15 800
-
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%.

71 441
79 000
-
-
total
-
-
-
-
Dividends
71 441
79 000
-
-
withholding
3 572
3 950
-
-
total
3 572
3 950
-
-
Income
79 000
79 000
79 000
79 000
Total tax
5 084
3 950
15 800
790
After tax
73 916
75 050
63 200
78 210
Living cost
6 047
6 047
6 047
6 047
Free-cash
67 869
69 003
57 153
72 163

Estimated living cost  is ₽6047 per week

₽3748
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽503
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽166
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.
₽1631
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
₽25909
₽16984
₽19247
₽32680
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.

-
-
-
79 000
pensions
-
-
-
14 427
unemployment
-
-
-
118
income
-
-
-
15 723
health
-
-
-
7 773
total
-
-
-
38 041
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.

35 795
-
68 356
-
health
2 312
-
4 415
-
unemployment
51
-
95
-
pensions
5 548
-
10 595
-
income
6 173
-
14 557
-
total
14 084
-
29 662
-
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.

35 795
-
68 356
-
health
2 384
-
4 552
-
pensions
3 167
-
6 049
-
unemployment
22
-
41
-
total
5 573
-
10 642
-
Corporate
37 632
79 000
-
-
income
7 151
15 009
-
-
total
7 151
15 009
-
-
Dividends
30 482
63 991
-
-
withholding
4 571
9 599
-
-
total
4 571
9 599
-
-
Income
79 000
79 000
79 000
79 000
Total tax
31 379
24 608
40 304
38 041
After tax
47 621
54 392
38 696
40 959
Living cost
21 712
21 712
21 712
21 712
Free-cash
25 909
32 680
16 984
19 247

Estimated living cost  is ₽21712 per week

₽14900
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1392
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽421
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.
₽5000
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
₽21078
₽28604
₽21450
₽17689
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.

-
-
-
79 000
income
-
-
-
23 042
health

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

-
-
-
5 124
total
-
-
-
28 166
Employee
37 134
-
75 276
-
social contributions
3 720
-
3 724
-
income
4 029
-
13 564
-
total
7 749
-
17 288
-
Employer
37 134
-
75 276
-
social contributions
3 720
-
3 724
-
total
3 720
-
3 724
-
Corporate
38 146
79 000
-
-
income
13 350
27 650
-
-
total
13 350
27 650
-
-
Dividends
24 796
51 350
-
-
social contributions
3 719
4 277
-
-
total
3 719
4 277
-
-
Income
79 000
79 000
79 000
79 000
Total tax
28 538
31 927
21 012
28 166
After tax
50 462
47 073
57 988
50 834
Living cost
29 384
29 384
29 384
29 384
Free-cash
21 078
17 689
28 604
21 450

Estimated living cost  is ₽29384 per week

₽19355
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2316
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽450
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.
₽7261
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
₽31452
₽33808
₽33569
₽31035
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
-
-
-
79 000
income
-
-
-
11 850
health
-
-
-
5 515
social contributions
-
-
-
10 902
total
-
-
-
28 267
Employee
27 446
-
79 000
-
health
1 916
-
5 515
-
income
4 578
-
11 611
-
social contributions
3 788
-
10 902
-
total
10 282
-
28 028
-
Employer
27 446
-
79 000
-
total
-
-
-
-
Corporate
51 554
79 000
-
-
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%.

2 578
3 949
-
-
total
2 578
3 949
-
-
Dividends
48 977
75 051
-
-
social contributions
6 759
10 356
-
-
withholding
7 347
11 258
-
-
health
3 418
5 238
-
-
total
17 524
26 852
-
-
Income
79 000
79 000
79 000
79 000
Total tax
30 384
30 801
28 028
28 267
After tax
48 616
48 199
50 972
50 733
Living cost
17 164
17 164
17 164
17 164
Free-cash
31 452
31 035
33 808
33 569

Estimated living cost  is ₽17164 per week

₽11487
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1058
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.
₽4223
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
₽23706
₽17471
₽15859
₽31774
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
-
-
-
79 000
income
-
-
-
6 790
health
-
-
-
10 665
social contributions
-
-
-
23 068
solidarity contribution
-
-
-
-
total
-
-
-
40 523
Employee
33 261
-
58 955
-
health
4 490
-
7 959
-
solidarity contribution
-
-
-
-
income
3 991
-
7 075
-
social contributions
2 162
-
3 832
-
total
10 643
-
18 866
-
Employer
33 261
-
58 955
-
health
2 993
-
5 306
-
social contributions
8 315
-
14 739
-
total
11 308
-
20 045
-
Corporate
34 430
79 000
-
-
income
6 542
15 010
-
-
total
6 542
15 010
-
-
Dividends
27 888
63 990
-
-
withholding
4 183
9 598
-
-
total
4 183
9 598
-
-
Income
79 000
79 000
79 000
79 000
Total tax
32 676
24 608
38 911
40 523
After tax
46 324
54 392
40 089
38 477
Living cost
22 618
22 618
22 618
22 618
Free-cash
23 706
31 774
17 471
15 859

Estimated living cost  is ₽22618 per week

₽16820
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1253
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽391
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4153
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
₽63860
₽53777
₽68787
₽65627
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%.

-
-
-
79 000
microenterprise

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

-
-
-
790
total
-
-
-
790
Employee
11 779
-
79 000
-
income
2 356
-
15 800
-
total
2 356
-
15 800
-
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%.

67 221
79 000
-
-
total
-
-
-
-
Dividends
67 221
79 000
-
-
withholding
3 361
3 950
-
-
total
3 361
3 950
-
-
Income
79 000
79 000
79 000
79 000
Total tax
5 717
3 950
15 800
790
After tax
73 283
75 050
63 200
78 210
Living cost
9 423
9 423
9 423
9 423
Free-cash
63 860
65 627
53 777
68 787

Estimated living cost  is ₽9423 per week

₽6377
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽396
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽316
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.
₽2335
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
₽6283
₽5693
₽6449
₽719
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
-
-
-
79 000
income
-
-
-
7 248
other
-
-
-
2 452
health
-
-
-
1 355
social contributions
-
-
-
2 252
pensions
-
-
-
20 148
surtax
-
-
-
-
total
-
-
-
33 455
Employee
50 698
-
60 198
-
pensions
5 734
-
6 808
-
income
4 424
-
6 884
-
social contributions
1 444
-
1 716
-
surtax
-
-
-
-
total
11 602
-
15 408
-
Employer
50 698
-
60 198
-
health
3 548
-
4 214
-
social contributions
152
-
181
-
pensions
8 330
-
9 893
-
unemployment
2 054
-
2 438
-
other
1 750
-
2 077
-
total
15 834
-
18 803
-
Corporate
12 467
79 000
-
-
income
3 492
22 120
-
-
surtax
-
-
-
-
total
3 492
22 120
-
-
Dividends
8 976
56 880
-
-
social contributions
1 544
9 784
-
-
surtax
-
-
-
-
withholding
1 149
7 281
-
-
total
2 693
17 065
-
-
Income
79 000
79 000
79 000
79 000
Total tax
33 621
39 185
34 211
33 455
After tax
45 379
39 815
44 789
45 545
Living cost
39 096
39 096
39 096
39 096
Free-cash
6 283
719
5 693
6 449

Estimated living cost  is ₽39096 per week

₽26460
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3198
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽536
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.
₽8902
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
₽39162
₽27646
₽27646
₽43129
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.

-
-
-
79 000
pensions
-
-
-
15 497
unemployment
-
-
-
894
income
-
-
-
14 876
health
-
-
-
6 139
total
-
-
-
37 406
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.

21 032
-
68 331
-
health
1 083
-
3 070
-
unemployment
158
-
447
-
pensions
2 944
-
8 344
-
income
2 899
-
14 876
-
total
7 084
-
26 737
-
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.

21 032
-
68 331
-
health
1 083
-
3 070
-
pensions
2 524
-
7 152
-
unemployment
158
-
447
-
total
3 765
-
10 669
-
Corporate
54 203
79 000
-
-
income
8 130
11 850
-
-
total
8 130
11 850
-
-
Dividends
46 073
67 150
-
-
withholding
6 911
10 073
-
-
total
6 911
10 073
-
-
Income
79 000
79 000
79 000
79 000
Total tax
25 890
21 923
37 406
37 406
After tax
53 110
57 077
41 594
41 594
Living cost
13 948
13 948
13 948
13 948
Free-cash
39 162
43 129
27 646
27 646

Estimated living cost  is ₽13948 per week

₽9391
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1079
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽404
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.
₽3074
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
₽3886
₽5437
₽9354
-₽20223
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
-
-
-
79 000
pensions
-
-
-
7 268
city
-
-
-
832
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.

-
-
-
1 580
health
-
-
-
184
regional
-
-
-
2 853
national
-
-
-
580
total
-
-
-
13 297
Employee
65 943
-
70 710
-
health
149
-
159
-
unemployment
-
-
-
-
city
708
-
760
-
pensions
5 540
-
5 940
-
regional
2 159
-
2 424
-
national
312
-
418
-
total
8 868
-
9 701
-
Employer
65 943
-
70 710
-
health
149
-
159
-
pensions
5 540
-
5 940
-
unemployment
-
-
-
-
other

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

1 318
-
1 414
-
total
7 007
-
7 513
-
Corporate
5 325
79 000
-
-
regional
1 126
16 708
-
-
national
453
6 715
-
-
total
1 579
23 423
-
-
Dividends
3 746
55 576
-
-
withholding
1 311
19 451
-
-
total
1 311
19 451
-
-
Income
79 000
79 000
79 000
79 000
Total tax
18 765
42 874
17 214
13 297
After tax
60 235
36 126
61 786
65 703
Living cost
56 349
56 349
56 349
56 349
Free-cash
3 886
-20 223
5 437
9 354

Estimated living cost  is ₽56349 per week

₽36643
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5057
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽692
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.
₽13957
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
₽19635
₽14145
₽25238
₽21598
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

-
-
-
79 000
municipal
-
-
-
14 062
health
-
-
-
879
national
-
-
-
7 743
total
-
-
-
22 684
Employee
42 588
-
66 459
-
health
318
-
685
-
unemployment
639
-
997
-
pensions
2 874
-
4 485
-
national
704
-
4 217
-
municipal
6 975
-
10 853
-
total
11 510
-
21 237
-
Employer
42 588
-
66 459
-
health
327
-
512
-
pensions
7 389
-
11 530
-
accident
43
-
66
-
unemployment
277
-
432
-
total
8 036
-
12 540
-
Corporate
28 377
79 000
-
-
income
5 676
15 800
-
-
total
5 676
15 800
-
-
Dividends

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

17 026
47 400
-
-
municipal
3 065
8 532
-
-
national
-
1 992
-
-
total
3 065
10 524
-
-
Income
79 000
79 000
79 000
79 000
Total tax
28 287
26 324
33 777
22 684
After tax
50 713
52 676
45 223
56 316
Living cost
31 078
31 078
31 078
31 078
Free-cash
19 635
21 598
14 145
25 238

Estimated living cost  is ₽31078 per week

₽20300
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2989
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽495
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7295
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
₽2658
₽1403
₽7830
₽14800
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
-
-
-
79 000
communal

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

-
-
-
4 006
social contributions
-
-
-
12 218
national
-
-
-
25 432
total
-
-
-
41 656
Employee

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

57 902
-
61 186
-
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.

2 720
-
2 876
-
communal

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

3 020
-
3 192
-
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.

504
-
533
-
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.

4 343
-
4 588
-
national
17 801
-
19 085
-
total
28 388
-
30 274
-
Employer

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

57 902
-
61 186
-
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.

3 561
-
3 763
-
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.

5 131
-
5 421
-
surtax
6 565
-
6 937
-
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.

753
-
794
-
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.

845
-
894
-
total
16 855
-
17 809
-
Corporate
4 244
79 000
-
-
income
849
15 800
-
-
surtax
17
316
-
-
total
866
16 116
-
-
Dividends
3 378
62 883
-
-
withholding

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

719
18 570
-
-
total
719
18 570
-
-
Income
79 000
79 000
79 000
79 000
Total tax
46 828
34 686
48 083
41 656
After tax
32 172
44 314
30 917
37 344
Living cost
29 514
29 514
29 514
29 514
Free-cash
2 658
14 800
1 403
7 830

Estimated living cost  is ₽29514 per week

₽19011
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2581
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
Stockholm , Sweden
₽7442
₽7279
₽4979
₽8226
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
-
-
-
79 000
unemployment
-
-
-
77
municipal
-
-
-
16 949
other
-
-
-
8 890
health
-
-
-
4 774
national
-
-
-
-
accident
-
-
-
153
pensions
-
-
-
8 270
total
-
-
-
39 113
Employee
49 740
-
60 113
-
national
-
-
-
-
municipal
14 832
-
17 926
-
total
14 832
-
17 926
-
Employer
49 740
-
60 113
-
health
3 059
-
3 697
-
pensions
5 377
-
6 498
-
accident
100
-
120
-
unemployment
1 313
-
1 587
-
other
5 780
-
6 985
-
total
15 629
-
18 887
-
Corporate
13 632
79 000
-
-
income
2 999
17 380
-
-
total
2 999
17 380
-
-
Dividends
10 633
61 620
-
-
withholding
3 190
18 486
-
-
total
3 190
18 486
-
-
Income
79 000
79 000
79 000
79 000
Total tax
36 650
35 866
36 813
39 113
After tax
42 350
43 134
42 187
39 887
Living cost
34 908
34 908
34 908
34 908
Free-cash
7 442
8 226
7 279
4 979

Estimated living cost  is ₽34908 per week

₽23135
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3425
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽530
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.
₽7817
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
-₽53587
₽28933
₽16226
₽9695
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
-
-
-
79 000
income
-
-
-
15 399
social contributions
-
-
-
9 006
total
-
-
-
24 405
Employee
55 015
-
-
-
income
12 135
-
-
-
social contributions
4 511
-
643
-
total
16 646
-
643
-
Employer
55 015
-
-
-
social contributions
77 572
-
11 055
-
total
77 572
-
11 055
-
Corporate
-
79 000
-
-
income
-
17 380
-
-
total
-
17 380
-
-
Dividends
-
61 620
-
-
income
-
13 556
-
-
total
-
13 556
-
-
Income
79 000
79 000
79 000
79 000
Total tax
94 218
30 936
11 698
24 405
After tax
-15 218
48 064
67 302
54 595
Living cost
38 369
38 369
38 369
38 369
Free-cash
-53 587
9 695
28 933
16 226

Estimated living cost  is ₽38369 per week

₽24895
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3609
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽489
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.
₽9376
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
₽28225
₽29974
₽30054
₽31584
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
-
-
-
79 000
income
-
-
-
8 353
health
-
-
-
2 014
social contributions
-
-
-
12 324
total
-
-
-
22 691
Employee
62 244
62 244
71 720
-
health
619
1 058
1 220
-
income
6 536
5 762
8 320
-
social contributions
3 025
5 166
5 952
-
total
10 180
11 986
15 492
-
Employer
62 244
62 244
71 720
-
health
674
1 152
1 327
-
social contributions
3 025
5 166
5 952
-
total
3 699
6 318
7 279
-
Corporate
38 866
10 438
-
-
income
4 859
1 304
-
-
total
4 859
1 304
-
-
Dividends
34 007
9 134
-
-
withholding
5 782
1 553
-
-
total
5 782
1 553
-
-
Income
79 000
79 000
79 000
79 000
Total tax
24 520
21 161
22 771
22 691
After tax
54 480
57 839
56 229
56 309
Living cost
26 255
26 255
26 255
26 255
Free-cash
28 225
31 584
29 974
30 054

Estimated living cost  is ₽26255 per week

₽17948
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2051
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽441
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.
₽5816
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
₽25862
₽20514
₽27846
₽29057
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
-
-
-
79 000
income
-
-
-
16 411
pensions
-
-
-
5 809
total
-
-
-
22 220
Employee
39 716
-
69 551
-
health
518
-
1 129
-
pensions
3 031
-
6 612
-
income
7 233
-
12 362
-
total
10 782
-
20 103
-
Employer
39 716
-
69 551
-
health
755
-
1 321
-
pensions
4 013
-
8 128
-
total
4 768
-
9 449
-
Corporate
34 516
79 000
-
-
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.

6 558
15 009
-
-
total
6 558
15 009
-
-
Dividends
27 958
63 991
-
-
withholding
2 096
6 000
-
-
total
2 096
6 000
-
-
Income
79 000
79 000
79 000
79 000
Total tax
24 204
21 009
29 552
22 220
After tax
54 796
57 991
49 448
56 780
Living cost
28 934
28 934
28 934
28 934
Free-cash
25 862
29 057
20 514
27 846

Estimated living cost  is ₽28934 per week

₽19849
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2661
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.
₽6061
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
₽5681
₽4087
₽7700
₽9364
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
-
-
-
79 000
municipal
-
-
-
528
regional
-
-
-
1 560
social contributions
-
-
-
20 318
national
-
-
-
16 647
total
-
-
-
39 053
Employee
68 211
-
79 000
-
social contributions
23 000
-
26 639
-
regional
1 030
-
1 311
-
national
11 527
-
14 244
-
municipal
407
-
472
-
total
35 964
-
42 666
-
Employer
68 211
-
79 000
-
total
-
-
-
-
Corporate
10 789
79 000
-
-
nationa
2 590
18 960
-
-
municipal
521
3 808
-
-
total
3 111
22 768
-
-
Dividends
7 679
56 232
-
-
withholding
1 997
14 621
-
-
total
1 997
14 621
-
-
Income
79 000
79 000
79 000
79 000
Total tax
41 072
37 389
42 666
39 053
After tax
37 928
41 611
36 334
39 947
Living cost
32 247
32 247
32 247
32 247
Free-cash
5 681
9 364
4 087
7 700

Estimated living cost  is ₽32247 per week

₽22652
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2218
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽487
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6889
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
₽3771
₽23724
₽37073
-₽10742
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
-
-
-
79 000
pensions
-
-
-
3 242
income
-
-
-
19 359
other
-
-
-
289
health
-
-
-
1 699
accident
-
-
-
197
total
-
-
-
24 786
Employee
26 964
-
67 630
-
health
3 087
-
7 744
-
pensions
3 036
-
5 944
-
income
3 699
-
13 077
-
total
9 822
-
26 765
-
Employer
26 964
-
67 630
-
pensions
4 384
-
8 584
-
accident
450
-
1 129
-
unemployment
661
-
1 657
-
total
5 495
-
11 370
-
Corporate
46 541
79 000
-
-
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.

41 887
71 100
-
-
total
41 887
71 100
-
-
Dividends
4 654
7 900
-
-
withholding
884
1 501
-
-
total
884
1 501
-
-
Income
79 000
79 000
79 000
79 000
Total tax
58 088
72 601
38 135
24 786
After tax
20 912
6 399
40 865
54 214
Living cost
17 141
17 141
17 141
17 141
Free-cash
3 771
-10 742
23 724
37 073

Estimated living cost  is ₽17141 per week

₽12563
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽950
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽358
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.
₽3271
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
₽20099
₽25228
₽19292
₽9510
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.

-
-
-
79 000
trade
-
-
-
5 936
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.

-
-
-
16 105
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.

-
-
-
5 530
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.

-
-
-
886
total
-
-
-
28 457
Employee

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

40 276
-
79 000
-
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.

5 530
-
5 530
-
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.

3 312
-
16 105
-
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.

183
-
886
-
total
9 025
-
22 521
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
38 724
79 000
-
-
income
5 808
11 850
-
-
trade
5 558
11 337
-
-
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.

320
651
-
-
chamber of commerce
180
238
-
-
total
11 866
24 076
-
-
Dividends
26 859
54 924
-
-
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.

352
739
-
-
withholding
6 407
13 424
-
-
total
6 759
14 163
-
-
Income
79 000
79 000
79 000
79 000
Total tax
27 650
38 239
22 521
28 457
After tax
51 350
40 761
56 479
50 543
Living cost
31 251
31 251
31 251
31 251
Free-cash
20 099
9 510
25 228
19 292

Estimated living cost  is ₽31251 per week

₽21558
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3363
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.
₽5877
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
₽39722
₽27710
₽25355
₽46360
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.

-
-
-
79 000
income
-
-
-
11 407
microenterprise
-
-
-
-
social contributions

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

-
-
-
25 398
surtax
-
-
-
-
total
-
-
-
36 805
Employee
23 653
-
63 663
-
income
4 210
-
12 110
-
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.

2 602
-
7 003
-
surtax
-
-
-
-
total
6 812
-
19 113
-
Employer
23 653
-
63 663
-
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.

5 697
-
15 337
-
surtax
-
-
-
-
total
5 697
-
15 337
-
Corporate
49 650
79 000
-
-
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%.

9 929
15 800
-
-
total
9 929
15 800
-
-
Dividends

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

39 720
63 200
-
-
total
-
-
-
-
Income
79 000
79 000
79 000
79 000
Total tax
22 438
15 800
34 450
36 805
After tax
56 562
63 200
44 550
42 195
Living cost
16 840
16 840
16 840
16 840
Free-cash
39 722
46 360
27 710
25 355

Estimated living cost  is ₽16840 per week

₽10744
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1604
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽382
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4111
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
₽37725
₽34865
₽35575
₽39357
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
-
-
-
79 000
income
-
-
-
20 980
health
-
-
-
5 256
pensions
-
-
-
7 250
total
-
-
-
33 486
Employee
15 139
-
70 844
-
health
757
-
1 813
-
unemployment
151
-
363
-
pensions
1 362
-
3 263
-
income
2 929
-
20 600
-
total
5 199
-
26 039
-
Employer
15 139
-
70 844
-
health
1 438
-
3 444
-
pensions
1 665
-
3 988
-
unemployment
303
-
725
-
total
3 406
-
8 157
-
Corporate
60 455
79 000
-
-
income
13 300
17 380
-
-
total
13 300
17 380
-
-
Dividends
47 155
61 620
-
-
withholding
9 431
12 324
-
-
total
9 431
12 324
-
-
Income
79 000
79 000
79 000
79 000
Total tax
31 336
29 704
34 196
33 486
After tax
47 664
49 296
44 804
45 514
Living cost
9 939
9 939
9 939
9 939
Free-cash
37 725
39 357
34 865
35 575

Estimated living cost  is ₽9939 per week

₽5907
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽806
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽228
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.
₽2999
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
₽28934
₽21135
₽22664
₽31509
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
-
-
-
79 000
pensions
-
-
-
15 800
unemployment
-
-
-
184
income
-
-
-
14 788
other
-
-
-
-
health
-
-
-
5 608
surtax
-
-
-
1 774
total
-
-
-
38 154
Employee
27 260
-
65 263
-
health
696
-
1 664
-
unemployment
1 897
-
4 542
-
pensions
1 819
-
4 353
-
income
4 570
-
13 788
-
other
-
-
-
-
surtax
97
-
1 599
-
total
9 079
-
25 946
-
Employer
27 260
-
65 263
-
health
1 240
-
2 969
-
pensions
3 634
-
8 699
-
unemployment
865
-
2 069
-
other
-
-
-
-
total
5 739
-
13 737
-
Corporate
46 001
79 000
-
-
income
11 960
20 539
-
-
total
11 960
20 539
-
-
Dividends
34 041
58 461
-
-
withholding
5 106
8 770
-
-
total
5 106
8 770
-
-
Income
79 000
79 000
79 000
79 000
Total tax
31 884
29 309
39 683
38 154
After tax
47 116
49 691
39 317
40 846
Living cost
18 182
18 182
18 182
18 182
Free-cash
28 934
31 509
21 135
22 664

Estimated living cost  is ₽18182 per week

₽10977
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1581
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽422
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5203
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
₽18180
-₽1578
₽14495
₽18579
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
-
-
-
79 000
pensions
-
-
-
14 615
chamber of commerce
-
-
-
316
unemployment
-
-