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
₽ 79500
per

Your estimated
City
free-cash

Valencia , Spain
₽26776
₽19736
₽19921
₽31067
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
-
-
-
79 500
unemployment
-
-
-
531
income
-
-
-
14 321
other
-
-
-
76
accident
-
-
-
683
pensions
-
-
-
21 465
total
-
-
-
37 076
Employee
30 259
-
60 281
-
unemployment
469
-
935
-
pensions
1 423
-
2 833
-
income
5 834
-
14 212
-
other
30
-
61
-
total
7 756
-
18 041
-
Employer
30 259
-
60 281
-
pensions
7 140
-
14 227
-
accident
599
-
1 194
-
unemployment
1 665
-
3 316
-
other
242
-
483
-
total
9 646
-
19 220
-
Corporate
39 594
79 500
-
-
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.

5 938
11 925
-
-
total
5 938
11 925
-
-
Dividends
33 656
67 575
-
-
withholding
6 881
14 005
-
-
total
6 881
14 005
-
-
Income
79 500
79 500
79 500
79 500
Total tax
30 221
25 930
37 261
37 076
After tax
49 279
53 570
42 239
42 424
Living cost
22 503
22 503
22 503
22 503
Free-cash
26 776
31 067
19 736
19 921

Estimated living cost  is ₽22503 per week

₽15189
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2163
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽394
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.
₽4757
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
₽31077
₽24795
₽21243
₽36605
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
-
-
-
79 500
pensions

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

-
-
-
19 081
income
-
-
-
10 097
other
-
-
-
3 777
health
-
-
-
3 497
total
-
-
-
36 452
Employee
29 713
-
63 498
-
health
416
-
888
-
unemployment
297
-
635
-
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.

2 079
-
4 446
-
income
5 115
-
10 931
-
total
7 907
-
16 900
-
Employer
29 713
-
63 498
-
health
416
-
888
-
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.

5 052
-
10 795
-
accident
238
-
508
-
unemployment
297
-
635
-
other
1 486
-
3 174
-
total
7 489
-
16 000
-
Corporate
42 299
79 500
-
-
income
8 883
16 694
-
-
total
8 883
16 694
-
-
Dividends
33 416
62 806
-
-
withholding
2 339
4 396
-
-
total
2 339
4 396
-
-
Income
79 500
79 500
79 500
79 500
Total tax
26 618
21 090
32 900
36 452
After tax
52 882
58 410
46 600
43 048
Living cost
21 805
21 805
21 805
21 805
Free-cash
31 077
36 605
24 795
21 243

Estimated living cost  is ₽21805 per week

₽15407
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1472
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽351
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.
₽4575
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
₽53443
₽51635
₽49215
₽57243
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
-
-
-
79 500
pensions

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

-
-
-
4 230
unemployment
-
-
-
114
income
-
-
-
11 925
health
-
-
-
3 287
total
-
-
-
19 556
Employee
14 206
-
73 892
-
health
653
-
1 315
-
accident

We are using the highest rate at 1.1%.

156
-
314
-
pensions

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

1 247
-
2 510
-
income
1 420
-
7 390
-
total
3 476
-
11 529
-
Employer
14 206
-
73 892
-
health
981
-
1 972
-
pensions

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

1 566
-
3 150
-
accident

We are using the highest rate at 1.1%.

156
-
314
-
unemployment
85
-
171
-
total
2 788
-
5 607
-
Corporate
62 506
79 500
-
-
income
6 251
7 950
-
-
total
6 251
7 950
-
-
Dividends
56 255
71 550
-
-
withholding
2 813
3 578
-
-
total
2 813
3 578
-
-
Income
79 500
79 500
79 500
79 500
Total tax
15 328
11 528
17 136
19 556
After tax
64 172
67 972
62 364
59 944
Living cost
10 729
10 729
10 729
10 729
Free-cash
53 443
57 243
51 635
49 215

Estimated living cost  is ₽10729 per week

₽6264
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽766
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽284
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.
₽3415
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
₽16903
₽17115
₽17848
₽12071
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
-
-
-
79 500
income
-
-
-
7 241
other
-
-
-
2 468
health
-
-
-
1 343
social contributions
-
-
-
2 264
pensions
-
-
-
20 338
surtax
-
-
-
-
total
-
-
-
33 654
Employee
35 024
-
60 580
-
pensions
3 960
-
6 852
-
income
2 067
-
6 888
-
social contributions
999
-
1 727
-
surtax
-
-
-
-
total
7 026
-
15 467
-
Employer
35 024
-
60 580
-
health
2 452
-
4 241
-
social contributions
106
-
182
-
pensions
5 754
-
9 953
-
unemployment
1 418
-
2 454
-
other
1 208
-
2 090
-
total
10 938
-
18 920
-
Corporate
33 539
79 500
-
-
income
9 391
22 260
-
-
surtax
-
-
-
-
total
9 391
22 260
-
-
Dividends
24 148
57 240
-
-
social contributions
4 154
9 844
-
-
surtax
-
-
-
-
withholding
3 090
7 327
-
-
total
7 244
17 171
-
-
Income
79 500
79 500
79 500
79 500
Total tax
34 599
39 431
34 387
33 654
After tax
44 901
40 069
45 113
45 846
Living cost
27 998
27 998
27 998
27 998
Free-cash
16 903
12 071
17 115
17 848

Estimated living cost  is ₽27998 per week

₽17654
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2277
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽477
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7592
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
-₽1763
-₽1763
₽10857
₽2830
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
-
-
-
79 500
pensions
-
-
-
9 588
income
-
-
-
15 102
health
-
-
-
9 672
total
-
-
-
34 362
Employee
69 883
69 883
69 883
-
health
10 726
9 124
10 726
-
pensions
12 579
9 588
12 579
-
income

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

11 439
11 439
11 439
-
total
34 744
30 151
34 744
-
Employer
69 883
69 883
69 883
-
health
4 858
4 858
4 858
-
pensions
4 864
4 864
4 864
-
unemployment
2 516
2 516
2 516
-
total
12 238
12 238
12 238
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
79 500
79 500
79 500
79 500
Total tax
46 982
42 389
46 982
34 362
After tax
32 518
37 111
32 518
45 138
Living cost
34 281
34 281
34 281
34 281
Free-cash
-1 763
2 830
-1 763
10 857

Estimated living cost  is ₽34281 per week

₽24294
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3090
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽545
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.
₽6352
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
₽24467
₽32093
₽25564
₽15418
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.

-
-
-
79 500
trade
-
-
-
6 529
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.

-
-
-
16 141
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.

-
-
-
5 591
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.

-
-
-
888
total
-
-
-
29 149
Employee

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

31 300
-
79 500
-
health

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

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

5 591
-
5 591
-
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.

874
-
16 141
-
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
-
888
-
total
6 513
-
22 620
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
48 200
79 500
-
-
income
7 231
11 925
-
-
trade
7 591
12 521
-
-
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.

398
655
-
-
chamber of commerce
194
239
-
-
total
15 414
25 340
-
-
Dividends
32 787
54 159
-
-
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.

433
727
-
-
withholding
7 886
13 228
-
-
total
8 319
13 955
-
-
Income
79 500
79 500
79 500
79 500
Total tax
30 246
39 295
22 620
29 149
After tax
49 254
40 205
56 880
50 351
Living cost
24 787
24 787
24 787
24 787
Free-cash
24 467
15 418
32 093
25 564

Estimated living cost  is ₽24787 per week

₽15592
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2890
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽463
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.
₽5842
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
₽34804
₽37688
₽37768
₽39258
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
-
-
-
79 500
income
-
-
-
8 356
health
-
-
-
2 027
social contributions
-
-
-
12 402
total
-
-
-
22 785
Employee
62 926
62 926
72 175
-
health
488
1 070
1 227
-
income
6 852
5 825
8 322
-
social contributions
2 379
5 223
5 990
-
total
9 719
12 118
15 539
-
Employer
62 926
62 926
72 175
-
health
530
1 165
1 336
-
social contributions
2 379
5 223
5 990
-
total
2 909
6 388
7 326
-
Corporate
47 926
10 186
-
-
income
5 991
1 273
-
-
total
5 991
1 273
-
-
Dividends
41 935
8 913
-
-
withholding
7 130
1 516
-
-
total
7 130
1 516
-
-
Income
79 500
79 500
79 500
79 500
Total tax
25 749
21 295
22 865
22 785
After tax
53 751
58 205
56 635
56 715
Living cost
18 947
18 947
18 947
18 947
Free-cash
34 804
39 258
37 688
37 768

Estimated living cost  is ₽18947 per week

₽11355
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1859
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽419
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.
₽5314
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
₽18726
₽15023
₽18900
₽19551
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.

-
-
-
79 500
income
-
-
-
7 304
social contributions

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

-
-
-
27 627
surtax
-
-
-
-
total
-
-
-
34 931
Employee
37 637
-
64 242
-
income
7 829
-
16 484
-
social contributions
4 140
-
7 066
-
surtax
-
-
-
-
total
11 969
-
23 550
-
Employer
37 637
-
64 242
-
social contributions
8 939
-
15 258
-
total
8 939
-
15 258
-
Corporate
32 924
79 500
-
-
income
6 914
16 694
-
-
surtax
-
-
-
-
total
6 914
16 694
-
-
Dividends
26 010
62 806
-
-
withholding
7 283
17 586
-
-
total
7 283
17 586
-
-
Income
79 500
79 500
79 500
79 500
Total tax
35 105
34 280
38 808
34 931
After tax
44 395
45 220
40 692
44 569
Living cost
25 669
25 669
25 669
25 669
Free-cash
18 726
19 551
15 023
18 900

Estimated living cost  is ₽25669 per week

₽19205
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1514
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽429
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.
₽4521
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
₽68292
₽57509
₽72614
₽69434
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%.

-
-
-
79 500
microenterprise

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

-
-
-
795
total
-
-
-
795
Employee
7 614
-
79 500
-
income
1 523
-
15 900
-
total
1 523
-
15 900
-
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%.

71 886
79 500
-
-
total
-
-
-
-
Dividends
71 886
79 500
-
-
withholding
3 594
3 975
-
-
total
3 594
3 975
-
-
Income
79 500
79 500
79 500
79 500
Total tax
5 117
3 975
15 900
795
After tax
74 383
75 525
63 600
78 705
Living cost
6 091
6 091
6 091
6 091
Free-cash
68 292
69 434
57 509
72 614

Estimated living cost  is ₽6091 per week

₽3775
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽506
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽167
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽1643
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
₽25942
₽17006
₽19282
₽32785
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.

-
-
-
79 500
pensions
-
-
-
14 519
unemployment
-
-
-
120
income
-
-
-
15 805
health
-
-
-
7 824
total
-
-
-
38 268
Employee

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

36 187
-
68 789
-
health
2 337
-
4 443
-
unemployment
51
-
96
-
pensions
5 609
-
10 663
-
income
6 240
-
14 631
-
total
14 237
-
29 833
-
Employer

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

36 187
-
68 789
-
health
2 410
-
4 581
-
pensions
3 202
-
6 088
-
unemployment
22
-
42
-
total
5 634
-
10 711
-
Corporate
37 679
79 500
-
-
income
7 159
15 106
-
-
total
7 159
15 106
-
-
Dividends
30 520
64 394
-
-
withholding
4 578
9 659
-
-
total
4 578
9 659
-
-
Income
79 500
79 500
79 500
79 500
Total tax
31 608
24 765
40 544
38 268
After tax
47 892
54 735
38 956
41 232
Living cost
21 950
21 950
21 950
21 950
Free-cash
25 942
32 785
17 006
19 282

Estimated living cost  is ₽21950 per week

₽15064
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1407
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽426
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5055
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
₽21106
₽28645
₽21346
₽17647
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.

-
-
-
79 500
income
-
-
-
23 294
health

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

-
-
-
5 154
total
-
-
-
28 448
Employee
37 541
-
75 736
-
social contributions
3 761
-
3 764
-
income
4 073
-
13 621
-
total
7 834
-
17 385
-
Employer
37 541
-
75 736
-
social contributions
3 761
-
3 764
-
total
3 761
-
3 764
-
Corporate
38 198
79 500
-
-
income
13 369
27 824
-
-
total
13 369
27 824
-
-
Dividends
24 829
51 676
-
-
social contributions
3 724
4 323
-
-
total
3 724
4 323
-
-
Income
79 500
79 500
79 500
79 500
Total tax
28 688
32 147
21 149
28 448
After tax
50 812
47 353
58 351
51 052
Living cost
29 706
29 706
29 706
29 706
Free-cash
21 106
17 647
28 645
21 346

Estimated living cost  is ₽29706 per week

₽19567
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2342
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.
₽7341
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
₽31573
₽33960
₽33701
₽31148
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
-
-
-
79 500
income
-
-
-
11 925
health
-
-
-
5 549
social contributions
-
-
-
10 972
total
-
-
-
28 446
Employee
27 747
-
79 500
-
health
1 937
-
5 549
-
income
4 628
-
11 666
-
social contributions
3 830
-
10 972
-
total
10 395
-
28 187
-
Employer
27 747
-
79 500
-
total
-
-
-
-
Corporate
51 753
79 500
-
-
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%.

2 587
3 976
-
-
total
2 587
3 976
-
-
Dividends
49 166
75 524
-
-
social contributions
6 785
10 422
-
-
withholding
7 375
11 329
-
-
health
3 432
5 272
-
-
total
17 592
27 023
-
-
Income
79 500
79 500
79 500
79 500
Total tax
30 574
30 999
28 187
28 446
After tax
48 926
48 501
51 313
51 054
Living cost
17 353
17 353
17 353
17 353
Free-cash
31 573
31 148
33 960
33 701

Estimated living cost  is ₽17353 per week

₽11613
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1070
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽399
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.
₽4269
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
₽23705
₽17473
₽15849
₽31865
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
-
-
-
79 500
income
-
-
-
6 833
health
-
-
-
10 733
social contributions
-
-
-
23 214
solidarity contribution
-
-
-
-
total
-
-
-
40 780
Employee
33 634
-
59 328
-
health
4 541
-
8 009
-
solidarity contribution
-
-
-
-
income
4 036
-
7 119
-
social contributions
2 186
-
3 856
-
total
10 763
-
18 984
-
Employer
33 634
-
59 328
-
health
3 027
-
5 340
-
social contributions
8 409
-
14 832
-
total
11 436
-
20 172
-
Corporate
34 430
79 500
-
-
income
6 542
15 105
-
-
total
6 542
15 105
-
-
Dividends
27 888
64 395
-
-
withholding
4 183
9 659
-
-
total
4 183
9 659
-
-
Income
79 500
79 500
79 500
79 500
Total tax
32 924
24 764
39 156
40 780
After tax
46 576
54 736
40 344
38 720
Living cost
22 871
22 871
22 871
22 871
Free-cash
23 705
31 865
17 473
15 849

Estimated living cost  is ₽22871 per week

₽17009
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1267
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.
₽4200
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
₽64253
₽54108
₽69213
₽66033
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%.

-
-
-
79 500
microenterprise

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

-
-
-
795
total
-
-
-
795
Employee
11 865
-
79 500
-
income
2 373
-
15 900
-
total
2 373
-
15 900
-
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%.

67 635
79 500
-
-
total
-
-
-
-
Dividends
67 635
79 500
-
-
withholding
3 382
3 975
-
-
total
3 382
3 975
-
-
Income
79 500
79 500
79 500
79 500
Total tax
5 755
3 975
15 900
795
After tax
73 745
75 525
63 600
78 705
Living cost
9 492
9 492
9 492
9 492
Free-cash
64 253
66 033
54 108
69 213

Estimated living cost  is ₽9492 per week

₽6423
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽398
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽318
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.
₽2352
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
₽6168
₽5588
₽6321
₽544
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
-
-
-
79 500
income
-
-
-
7 241
other
-
-
-
2 468
health
-
-
-
1 343
social contributions
-
-
-
2 264
pensions
-
-
-
20 338
surtax
-
-
-
-
total
-
-
-
33 654
Employee
51 254
-
60 580
-
pensions
5 797
-
6 852
-
income
4 472
-
6 888
-
social contributions
1 460
-
1 727
-
surtax
-
-
-
-
total
11 729
-
15 467
-
Employer
51 254
-
60 580
-
health
3 587
-
4 241
-
social contributions
154
-
182
-
pensions
8 422
-
9 953
-
unemployment
2 076
-
2 454
-
other
1 769
-
2 090
-
total
16 008
-
18 920
-
Corporate
12 238
79 500
-
-
income
3 427
22 260
-
-
surtax
-
-
-
-
total
3 427
22 260
-
-
Dividends
8 811
57 240
-
-
social contributions
1 516
9 844
-
-
surtax
-
-
-
-
withholding
1 127
7 327
-
-
total
2 643
17 171
-
-
Income
79 500
79 500
79 500
79 500
Total tax
33 807
39 431
34 387
33 654
After tax
45 693
40 069
45 113
45 846
Living cost
39 525
39 525
39 525
39 525
Free-cash
6 168
544
5 588
6 321

Estimated living cost  is ₽39525 per week

₽26750
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3233
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽542
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.
₽8999
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
₽39324
₽27707
₽27707
₽43336
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.

-
-
-
79 500
pensions
-
-
-
15 670
unemployment
-
-
-
904
income
-
-
-
14 908
health
-
-
-
6 208
total
-
-
-
37 690
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.

21 267
-
68 712
-
health
1 095
-
3 104
-
unemployment
160
-
452
-
pensions
2 977
-
8 438
-
income
2 931
-
14 908
-
total
7 163
-
26 902
-
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.

21 267
-
68 712
-
health
1 095
-
3 104
-
pensions
2 552
-
7 232
-
unemployment
160
-
452
-
total
3 807
-
10 788
-
Corporate
54 427
79 500
-
-
income
8 164
11 925
-
-
total
8 164
11 925
-
-
Dividends
46 263
67 575
-
-
withholding
6 939
10 136
-
-
total
6 939
10 136
-
-
Income
79 500
79 500
79 500
79 500
Total tax
26 073
22 061
37 690
37 690
After tax
53 427
57 439
41 810
41 810
Living cost
14 103
14 103
14 103
14 103
Free-cash
39 324
43 336
27 707
27 707

Estimated living cost  is ₽14103 per week

₽9496
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1091
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.
₽3108
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
₽3834
₽5343
₽9286
-₽20488
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
-
-
-
79 500
pensions
-
-
-
7 314
city
-
-
-
838
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.

-
-
-
1 590
health
-
-
-
185
regional
-
-
-
2 866
national
-
-
-
581
total
-
-
-
13 374
Employee
66 517
-
71 157
-
health
150
-
161
-
unemployment
-
-
-
-
city
714
-
765
-
pensions
5 588
-
5 977
-
regional
2 178
-
2 434
-
national
315
-
419
-
total
8 945
-
9 756
-
Employer
66 517
-
71 157
-
health
150
-
161
-
pensions
5 588
-
5 977
-
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.

1 330
-
1 423
-
total
7 068
-
7 561
-
Corporate
5 183
79 500
-
-
regional
1 096
16 815
-
-
national
441
6 758
-
-
total
1 537
23 573
-
-
Dividends
3 645
55 928
-
-
withholding
1 276
19 575
-
-
total
1 276
19 575
-
-
Income
79 500
79 500
79 500
79 500
Total tax
18 826
43 148
17 317
13 374
After tax
60 674
36 352
62 183
66 126
Living cost
56 840
56 840
56 840
56 840
Free-cash
3 834
-20 488
5 343
9 286

Estimated living cost  is ₽56840 per week

₽36962
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5101
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽698
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.
₽14079
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
₽19598
₽14118
₽25297
₽21620
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

-
-
-
79 500
municipal
-
-
-
14 151
health
-
-
-
882
national
-
-
-
7 752
total
-
-
-
22 785
Employee
43 055
-
66 879
-
health
321
-
688
-
unemployment
646
-
1 003
-
pensions
2 906
-
4 514
-
national
711
-
4 215
-
municipal
7 052
-
10 922
-
total
11 636
-
21 342
-
Employer
43 055
-
66 879
-
health
331
-
516
-
pensions
7 470
-
11 604
-
accident
43
-
67
-
unemployment
280
-
435
-
total
8 124
-
12 622
-
Corporate
28 322
79 500
-
-
income
5 665
15 901
-
-
total
5 665
15 901
-
-
Dividends

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

16 993
47 699
-
-
municipal
3 059
8 586
-
-
national
-
1 975
-
-
total
3 059
10 561
-
-
Income
79 500
79 500
79 500
79 500
Total tax
28 484
26 462
33 964
22 785
After tax
51 016
53 038
45 536
56 715
Living cost
31 418
31 418
31 418
31 418
Free-cash
19 598
21 620
14 118
25 297

Estimated living cost  is ₽31418 per week

₽20522
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3022
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽500
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7375
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
₽2485
₽1292
₽7787
₽14756
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
-
-
-
79 500
communal

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

-
-
-
4 033
social contributions
-
-
-
12 276
national
-
-
-
25 566
total
-
-
-
41 875
Employee

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

58 536
-
61 574
-
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.

2 750
-
2 895
-
communal

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

3 053
-
3 212
-
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.

509
-
536
-
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.

4 390
-
4 618
-
national
17 996
-
19 184
-
total
28 698
-
30 445
-
Employer

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

58 536
-
61 574
-
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.

3 600
-
3 788
-
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.

5 187
-
5 456
-
surtax
6 637
-
6 982
-
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.

761
-
800
-
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.

854
-
899
-
total
17 039
-
17 925
-
Corporate
3 925
79 500
-
-
income
784
15 901
-
-
surtax
16
318
-
-
total
800
16 219
-
-
Dividends
3 125
63 281
-
-
withholding

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

640
18 687
-
-
total
640
18 687
-
-
Income
79 500
79 500
79 500
79 500
Total tax
47 177
34 906
48 370
41 875
After tax
32 323
44 594
31 130
37 625
Living cost
29 838
29 838
29 838
29 838
Free-cash
2 485
14 756
1 292
7 787

Estimated living cost  is ₽29838 per week

₽19219
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2609
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽467
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.
₽7543
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
₽7209
₽7052
₽4615
₽8004
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
-
-
-
79 500
unemployment
-
-
-
78
municipal
-
-
-
17 004
other
-
-
-
9 016
health
-
-
-
4 842
national
-
-
-
-
accident
-
-
-
155
pensions
-
-
-
8 387
total
-
-
-
39 482
Employee
50 445
-
60 493
-
national
-
-
-
-
municipal
15 043
-
18 039
-
total
15 043
-
18 039
-
Employer
50 445
-
60 493
-
health
3 102
-
3 720
-
pensions
5 453
-
6 539
-
accident
101
-
121
-
unemployment
1 332
-
1 597
-
other
5 862
-
7 029
-
total
15 850
-
19 006
-
Corporate
13 205
79 500
-
-
income
2 905
17 490
-
-
total
2 905
17 490
-
-
Dividends
10 300
62 010
-
-
withholding
3 090
18 603
-
-
total
3 090
18 603
-
-
Income
79 500
79 500
79 500
79 500
Total tax
36 888
36 093
37 045
39 482
After tax
42 612
43 407
42 455
40 018
Living cost
35 403
35 403
35 403
35 403
Free-cash
7 209
8 004
7 052
4 615

Estimated living cost  is ₽35403 per week

₽23463
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3474
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽538
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.
₽7928
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
-₽55569
₽28496
₽15854
₽9281
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
-
-
-
79 500
income
-
-
-
15 496
social contributions
-
-
-
9 063
total
-
-
-
24 559
Employee
56 045
-
-
-
income
12 362
-
-
-
social contributions
4 596
-
655
-
total
16 958
-
655
-
Employer
56 045
-
-
-
social contributions
79 024
-
11 262
-
total
79 024
-
11 262
-
Corporate
-
79 500
-
-
income
-
17 490
-
-
total
-
17 490
-
-
Dividends
-
62 010
-
-
income
-
13 642
-
-
total
-
13 642
-
-
Income
79 500
79 500
79 500
79 500
Total tax
95 982
31 132
11 917
24 559
After tax
-16 482
48 368
67 583
54 941
Living cost
39 087
39 087
39 087
39 087
Free-cash
-55 569
9 281
28 496
15 854

Estimated living cost  is ₽39087 per week

₽25361
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3676
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.
₽9551
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
₽28269
₽30092
₽30172
₽31662
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
-
-
-
79 500
income
-
-
-
8 356
health
-
-
-
2 027
social contributions
-
-
-
12 402
total
-
-
-
22 785
Employee
62 926
62 926
72 175
-
health
626
1 070
1 227
-
income
6 608
5 825
8 322
-
social contributions
3 058
5 223
5 990
-
total
10 292
12 118
15 539
-
Employer
62 926
62 926
72 175
-
health
682
1 165
1 336
-
social contributions
3 058
5 223
5 990
-
total
3 740
6 388
7 326
-
Corporate
38 926
10 186
-
-
income
4 865
1 273
-
-
total
4 865
1 273
-
-
Dividends
34 061
8 913
-
-
withholding
5 791
1 516
-
-
total
5 791
1 516
-
-
Income
79 500
79 500
79 500
79 500
Total tax
24 688
21 295
22 865
22 785
After tax
54 812
58 205
56 635
56 715
Living cost
26 543
26 543
26 543
26 543
Free-cash
28 269
31 662
30 092
30 172

Estimated living cost  is ₽26543 per week

₽18145
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2073
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽446
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.
₽5879
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
₽25990
₽20613
₽28006
₽29224
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
-
-
-
79 500
income
-
-
-
16 501
pensions
-
-
-
5 845
total
-
-
-
22 346
Employee
40 009
-
69 991
-
health
522
-
1 137
-
pensions
3 054
-
6 652
-
income
7 286
-
12 441
-
total
10 862
-
20 230
-
Employer
40 009
-
69 991
-
health
760
-
1 329
-
pensions
4 042
-
8 180
-
total
4 802
-
9 509
-
Corporate
34 688
79 500
-
-
income

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

6 591
15 104
-
-
total
6 591
15 104
-
-
Dividends
28 097
64 396
-
-
withholding
2 107
6 024
-
-
total
2 107
6 024
-
-
Income
79 500
79 500
79 500
79 500
Total tax
24 362
21 128
29 739
22 346
After tax
55 138
58 372
49 761
57 154
Living cost
29 148
29 148
29 148
29 148
Free-cash
25 990
29 224
20 613
28 006

Estimated living cost  is ₽29148 per week

₽19995
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2680
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽365
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.
₽6106
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
₽5552
₽3993
₽7629
₽9275
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
-
-
-
79 500
municipal
-
-
-
531
regional
-
-
-
1 566
social contributions
-
-
-
20 448
national
-
-
-
16 725
total
-
-
-
39 270
Employee
68 958
-
79 500
-
social contributions
23 252
-
26 807
-
regional
1 041
-
1 316
-
national
11 653
-
14 309
-
municipal
412
-
474
-
total
36 358
-
42 906
-
Employer
68 958
-
79 500
-
total
-
-
-
-
Corporate
10 542
79 500
-
-
nationa
2 530
19 080
-
-
municipal
508
3 831
-
-
total
3 038
22 911
-
-
Dividends
7 504
56 589
-
-
withholding
1 951
14 713
-
-
total
1 951
14 713
-
-
Income
79 500
79 500
79 500
79 500
Total tax
41 347
37 624
42 906
39 270
After tax
38 153
41 876
36 594
40 230
Living cost
32 601
32 601
32 601
32 601
Free-cash
5 552
9 275
3 993
7 629

Estimated living cost  is ₽32601 per week

₽22900
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2242
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽492
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.
₽6965
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
₽3781
₽23777
₽37233
-₽10886
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
-
-
-
79 500
pensions
-
-
-
3 277
income
-
-
-
19 455
other
-
-
-
292
health
-
-
-
1 718
accident
-
-
-
199
total
-
-
-
24 941
Employee
27 254
-
68 021
-
health
3 121
-
7 788
-
pensions
3 069
-
6 008
-
income
3 739
-
13 122
-
total
9 929
-
26 918
-
Employer
27 254
-
68 021
-
pensions
4 432
-
8 676
-
accident
455
-
1 136
-
unemployment
668
-
1 667
-
total
5 555
-
11 479
-
Corporate
46 691
79 500
-
-
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.

42 022
71 550
-
-
total
42 022
71 550
-
-
Dividends
4 669
7 950
-
-
withholding
887
1 510
-
-
total
887
1 510
-
-
Income
79 500
79 500
79 500
79 500
Total tax
58 393
73 060
38 397
24 941
After tax
21 107
6 440
41 103
54 559
Living cost
17 326
17 326
17 326
17 326
Free-cash
3 781
-10 886
23 777
37 233

Estimated living cost  is ₽17326 per week

₽12698
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽960
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.
₽3306
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
₽20130
₽25286
₽19338
₽9429
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.

-
-
-
79 500
trade
-
-
-
5 948
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.

-
-
-
16 141
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.

-
-
-
5 591
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.

-
-
-
888
total
-
-
-
28 568
Employee

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

40 717
-
79 500
-
health

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

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

5 591
-
5 591
-
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.

3 348
-
16 141
-
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.

185
-
888
-
total
9 124
-
22 620
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
38 783
79 500
-
-
income
5 817
11 925
-
-
trade
5 566
11 408
-
-
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
655
-
-
chamber of commerce
182
241
-
-
total
11 885
24 229
-
-
Dividends
26 898
55 271
-
-
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.

353
742
-
-
withholding
6 414
13 506
-
-
total
6 767
14 248
-
-
Income
79 500
79 500
79 500
79 500
Total tax
27 776
38 477
22 620
28 568
After tax
51 724
41 023
56 880
50 932
Living cost
31 594
31 594
31 594
31 594
Free-cash
20 130
9 429
25 286
19 338

Estimated living cost  is ₽31594 per week

₽21794
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3399
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.
₽5942
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
₽39862
₽27812
₽25443
₽46574
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.

-
-
-
79 500
income
-
-
-
11 474
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.

-
-
-
25 558
surtax
-
-
-
-
total
-
-
-
37 032
Employee
23 912
-
64 067
-
income
4 257
-
12 183
-
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.

2 631
-
7 047
-
surtax
-
-
-
-
total
6 888
-
19 230
-
Employer
23 912
-
64 067
-
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.

5 760
-
15 433
-
surtax
-
-
-
-
total
5 760
-
15 433
-
Corporate
49 828
79 500
-
-
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%.

9 965
15 901
-
-
total
9 965
15 901
-
-
Dividends

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

39 863
63 599
-
-
total
-
-
-
-
Income
79 500
79 500
79 500
79 500
Total tax
22 613
15 901
34 663
37 032
After tax
56 887
63 599
44 837
42 468
Living cost
17 025
17 025
17 025
17 025
Free-cash
39 862
46 574
27 812
25 443

Estimated living cost  is ₽17025 per week

₽10861
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1621
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽387
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.
₽4156
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
₽37963
₽35087
₽35799
₽39606
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
-
-
-
79 500
income
-
-
-
21 113
health
-
-
-
5 290
pensions
-
-
-
7 296
total
-
-
-
33 699
Employee
15 234
-
71 292
-
health
762
-
1 824
-
unemployment
152
-
365
-
pensions
1 371
-
3 283
-
income
2 947
-
20 730
-
total
5 232
-
26 202
-
Employer
15 234
-
71 292
-
health
1 447
-
3 466
-
pensions
1 676
-
4 013
-
unemployment
305
-
730
-
total
3 428
-
8 209
-
Corporate
60 838
79 500
-
-
income
13 384
17 490
-
-
total
13 384
17 490
-
-
Dividends
47 453
62 010
-
-
withholding
9 491
12 402
-
-
total
9 491
12 402
-
-
Income
79 500
79 500
79 500
79 500
Total tax
31 535
29 892
34 411
33 699
After tax
47 965
49 608
45 089
45 801
Living cost
10 002
10 002
10 002
10 002
Free-cash
37 963
39 606
35 087
35 799

Estimated living cost  is ₽10002 per week

₽5944
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽811
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽229
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.
₽3018
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
₽29021
₽21223
₽22758
₽31625
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
-
-
-
79 500
pensions
-
-
-
15 901
unemployment
-
-
-
186
income
-
-
-
14 852
other
-
-
-
-
health
-
-
-
5 645
surtax
-
-
-
1 777
total
-
-
-
38 361
Employee
27 559
-
65 674
-
health
703
-
1 674
-
unemployment
1 918
-
4 570
-
pensions
1 839
-
4 381
-
income
4 620
-
13 846
-
other
-
-
-
-
surtax
98
-
1 600
-
total
9 178
-
26 071
-
Employer
27 559
-
65 674
-
health
1 253
-
2 988
-
pensions
3 674
-
8 754
-
unemployment
874
-
2 083
-
other
-
-
-
-
total
5 801
-
13 825
-
Corporate
46 139
79 500
-
-
income
11 997
20 670
-
-
total
11 997
20 670
-
-
Dividends
34 143
58 830
-
-
withholding
5 122
8 824
-
-
total
5 122
8 824
-
-
Income
79 500
79 500
79 500
79 500
Total tax
32 098
29 494
39 896
38 361
After tax
47 402
50 006
39 604
41 139
Living cost
18 381
18 381
18 381
18 381
Free-cash
29 021
31 625
21 223
22 758

Estimated living cost  is ₽18381 per week

₽11097
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1598
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽427
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5260
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
-₽1663
₽14499
₽18585
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
-
-
-
79 500
pensions
-
-
-
14 708
chamber of commerce
-
-
-
318
unemployment
-
-