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
₽ 81000
per

Your estimated
City
free-cash

Valencia , Spain
₽25767
₽19119
₽18550
₽30384
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
-
-
-
81 000
unemployment
-
-
-
566
income
-
-
-
13 945
other
-
-
-
80
accident
-
-
-
728
pensions
-
-
-
22 923
total
-
-
-
38 242
Employee
32 550
-
61 418
-
unemployment
505
-
952
-
pensions
1 530
-
2 887
-
income
6 275
-
14 191
-
other
32
-
62
-
total
8 342
-
18 092
-
Employer
32 550
-
61 418
-
pensions
7 681
-
14 494
-
accident
645
-
1 216
-
unemployment
1 791
-
3 378
-
other
261
-
493
-
total
10 378
-
19 581
-
Corporate
38 072
81 000
-
-
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.

5 710
12 150
-
-
total
5 710
12 150
-
-
Dividends
32 362
68 850
-
-
withholding
6 595
14 258
-
-
total
6 595
14 258
-
-
Income
81 000
81 000
81 000
81 000
Total tax
31 025
26 408
37 673
38 242
After tax
49 975
54 592
43 327
42 758
Living cost
24 208
24 208
24 208
24 208
Free-cash
25 767
30 384
19 119
18 550

Estimated living cost  is ₽24208 per week

₽16340
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2327
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.
₽5117
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
₽30106
₽24021
₽20404
₽36054
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
-
-
-
81 000
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.

-
-
-
19 440
income
-
-
-
10 289
other
-
-
-
3 847
health
-
-
-
3 563
total
-
-
-
37 139
Employee
31 963
-
64 695
-
health
448
-
905
-
unemployment
319
-
647
-
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.

2 237
-
4 529
-
income
5 503
-
11 136
-
total
8 507
-
17 217
-
Employer
31 963
-
64 695
-
health
448
-
905
-
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.

5 434
-
10 999
-
accident
256
-
518
-
unemployment
319
-
647
-
other
1 599
-
3 236
-
total
8 056
-
16 305
-
Corporate
40 981
81 000
-
-
income
8 607
17 010
-
-
total
8 607
17 010
-
-
Dividends
32 374
63 990
-
-
withholding
2 267
4 479
-
-
total
2 267
4 479
-
-
Income
81 000
81 000
81 000
81 000
Total tax
27 437
21 489
33 522
37 139
After tax
53 563
59 511
47 478
43 861
Living cost
23 457
23 457
23 457
23 457
Free-cash
30 106
36 054
24 021
20 404

Estimated living cost  is ₽23457 per week

₽16574
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1584
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽378
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4921
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
₽53628
₽51484
₽49104
₽57717
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
-
-
-
81 000
pensions

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

-
-
-
4 550
unemployment
-
-
-
123
income
-
-
-
12 150
health
-
-
-
3 535
total
-
-
-
20 358
Employee
15 278
-
74 969
-
health
703
-
1 414
-
accident

We are using the highest rate at 1.1%.

168
-
338
-
pensions

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

1 341
-
2 699
-
income
1 528
-
7 497
-
total
3 740
-
11 948
-
Employer
15 278
-
74 969
-
health
1 055
-
2 121
-
pensions

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

1 684
-
3 387
-
accident

We are using the highest rate at 1.1%.

168
-
338
-
unemployment
91
-
184
-
total
2 998
-
6 030
-
Corporate
62 724
81 000
-
-
income
6 273
8 100
-
-
total
6 273
8 100
-
-
Dividends
56 451
72 900
-
-
withholding
2 823
3 645
-
-
total
2 823
3 645
-
-
Income
81 000
81 000
81 000
81 000
Total tax
15 834
11 745
17 978
20 358
After tax
65 166
69 255
63 022
60 642
Living cost
11 538
11 538
11 538
11 538
Free-cash
53 628
57 717
51 484
49 104

Estimated living cost  is ₽11538 per week

₽6736
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽824
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽306
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.
₽3673
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
₽15906
₽16349
₽16726
₽10703
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
-
-
-
81 000
income
-
-
-
6 720
other
-
-
-
2 513
health
-
-
-
1 113
social contributions
-
-
-
2 307
pensions
-
-
-
21 502
surtax
-
-
-
-
total
-
-
-
34 155
Employee
37 676
-
61 723
-
pensions
4 260
-
6 981
-
income
2 224
-
6 516
-
social contributions
1 074
-
1 759
-
surtax
-
-
-
-
total
7 558
-
15 256
-
Employer
37 676
-
61 723
-
health
2 638
-
4 320
-
social contributions
114
-
185
-
pensions
6 189
-
10 142
-
unemployment
1 525
-
2 499
-
other
1 300
-
2 130
-
total
11 766
-
19 276
-
Corporate
31 558
81 000
-
-
income
8 836
22 680
-
-
surtax
-
-
-
-
total
8 836
22 680
-
-
Dividends
22 722
58 320
-
-
social contributions
3 907
10 032
-
-
surtax
-
-
-
-
withholding
2 908
7 466
-
-
total
6 815
17 498
-
-
Income
81 000
81 000
81 000
81 000
Total tax
34 975
40 178
34 532
34 155
After tax
46 025
40 822
46 468
46 845
Living cost
30 119
30 119
30 119
30 119
Free-cash
15 906
10 703
16 349
16 726

Estimated living cost  is ₽30119 per week

₽18991
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2449
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽513
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.
₽8167
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
-₽6418
-₽6418
₽9137
-₽1476
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
-
-
-
81 000
pensions
-
-
-
10 314
income
-
-
-
14 524
health
-
-
-
10 147
total
-
-
-
34 985
Employee
75 175
75 175
75 175
-
health
11 539
9 815
11 539
-
pensions
13 532
10 314
13 532
-
income

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

12 305
12 305
12 305
-
total
37 376
32 434
37 376
-
Employer
75 175
75 175
75 175
-
health
5 226
5 226
5 226
-
pensions
5 232
5 232
5 232
-
unemployment
2 706
2 706
2 706
-
total
13 164
13 164
13 164
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
81 000
81 000
81 000
81 000
Total tax
50 540
45 598
50 540
34 985
After tax
30 460
35 402
30 460
46 015
Living cost
36 878
36 878
36 878
36 878
Free-cash
-6 418
-1 476
-6 418
9 137

Estimated living cost  is ₽36878 per week

₽26134
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3324
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽586
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.
₽6833
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
₽24047
₽31807
₽25496
₽14311
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.

-
-
-
81 000
trade
-
-
-
6 311
income

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

-
-
-
15 655
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.

-
-
-
6 014
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.

-
-
-
860
total
-
-
-
28 840
Employee

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

33 670
-
81 000
-
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.

6 014
-
6 014
-
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.

941
-
15 655
-
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.

52
-
860
-
total
7 007
-
22 529
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
47 330
81 000
-
-
income
7 100
12 150
-
-
trade
7 454
12 758
-
-
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.

391
668
-
-
chamber of commerce
202
251
-
-
total
15 147
25 827
-
-
Dividends
32 183
55 173
-
-
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.

424
740
-
-
withholding
7 711
13 458
-
-
total
8 135
14 198
-
-
Income
81 000
81 000
81 000
81 000
Total tax
30 289
40 025
22 529
28 840
After tax
50 711
40 975
58 471
52 160
Living cost
26 664
26 664
26 664
26 664
Free-cash
24 047
14 311
31 807
25 496

Estimated living cost  is ₽26664 per week

₽16772
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3109
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.
₽6285
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
₽34159
₽37957
₽38039
₽38950
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
-
-
-
81 000
income
-
-
-
7 878
health
-
-
-
2 065
social contributions
-
-
-
12 636
total
-
-
-
22 579
Employee
67 692
67 692
73 536
-
health
525
1 151
1 250
-
income
7 371
6 266
7 843
-
social contributions
2 559
5 618
6 104
-
total
10 455
13 035
15 197
-
Employer
67 692
67 692
73 536
-
health
570
1 253
1 360
-
social contributions
2 559
5 618
6 104
-
total
3 129
6 871
7 464
-
Corporate
47 035
6 437
-
-
income
5 879
805
-
-
total
5 879
805
-
-
Dividends
41 156
5 632
-
-
withholding
6 996
957
-
-
total
6 996
957
-
-
Income
81 000
81 000
81 000
81 000
Total tax
26 459
21 668
22 661
22 579
After tax
54 541
59 332
58 339
58 421
Living cost
20 382
20 382
20 382
20 382
Free-cash
34 159
38 950
37 957
38 039

Estimated living cost  is ₽20382 per week

₽12215
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2000
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽451
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.
₽5717
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
₽17573
₽14114
₽17938
₽18460
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.

-
-
-
81 000
income
-
-
-
7 302
social contributions

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

-
-
-
28 147
surtax
-
-
-
-
total
-
-
-
35 449
Employee
40 488
-
65 454
-
income
8 422
-
16 528
-
social contributions
4 454
-
7 200
-
surtax
-
-
-
-
total
12 876
-
23 728
-
Employer
40 488
-
65 454
-
social contributions
9 616
-
15 545
-
total
9 616
-
15 545
-
Corporate
30 897
81 000
-
-
income
6 488
17 010
-
-
surtax
-
-
-
-
total
6 488
17 010
-
-
Dividends
24 408
63 990
-
-
withholding
6 834
17 917
-
-
total
6 834
17 917
-
-
Income
81 000
81 000
81 000
81 000
Total tax
35 814
34 927
39 273
35 449
After tax
45 186
46 073
41 727
45 551
Living cost
27 613
27 613
27 613
27 613
Free-cash
17 573
18 460
14 114
17 938

Estimated living cost  is ₽27613 per week

₽20660
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1629
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽461
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.
₽4863
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
₽69533
₽58554
₽73944
₽70704
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%.

-
-
-
81 000
microenterprise

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

-
-
-
810
total
-
-
-
810
Employee
7 807
-
81 000
-
income
1 561
-
16 200
-
total
1 561
-
16 200
-
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%.

73 193
81 000
-
-
total
-
-
-
-
Dividends
73 193
81 000
-
-
withholding
3 660
4 050
-
-
total
3 660
4 050
-
-
Income
81 000
81 000
81 000
81 000
Total tax
5 221
4 050
16 200
810
After tax
75 779
76 950
64 800
80 190
Living cost
6 246
6 246
6 246
6 246
Free-cash
69 533
70 704
58 554
73 944

Estimated living cost  is ₽6246 per week

₽3871
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽519
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽172
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.
₽1684
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
₽24793
₽16281
₽18603
₽32158
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.

-
-
-
81 000
pensions
-
-
-
14 793
unemployment
-
-
-
122
income
-
-
-
15 900
health
-
-
-
7 970
total
-
-
-
38 785
Employee

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

38 928
-
70 088
-
health
2 514
-
4 527
-
unemployment
55
-
99
-
pensions
6 034
-
10 864
-
income
6 713
-
14 704
-
total
15 316
-
30 194
-
Employer

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

38 928
-
70 088
-
health
2 593
-
4 668
-
pensions
3 445
-
6 203
-
unemployment
23
-
42
-
total
6 061
-
10 913
-
Corporate
36 011
81 000
-
-
income
6 843
15 389
-
-
total
6 843
15 389
-
-
Dividends
29 169
65 611
-
-
withholding
4 375
9 841
-
-
total
4 375
9 841
-
-
Income
81 000
81 000
81 000
81 000
Total tax
32 595
25 230
41 107
38 785
After tax
48 405
55 770
39 893
42 215
Living cost
23 612
23 612
23 612
23 612
Free-cash
24 793
32 158
16 281
18 603

Estimated living cost  is ₽23612 per week

₽16204
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.
₽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.
₽5438
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
₽20205
₽27423
₽18659
₽16044
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.

-
-
-
81 000
income
-
-
-
25 058
health

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

-
-
-
5 327
total
-
-
-
30 385
Employee
40 384
-
76 951
-
social contributions
4 046
-
4 049
-
income
4 382
-
13 523
-
total
8 428
-
17 572
-
Employer
40 384
-
76 951
-
social contributions
4 046
-
4 049
-
total
4 046
-
4 049
-
Corporate
36 570
81 000
-
-
income
12 800
28 349
-
-
total
12 800
28 349
-
-
Dividends
23 770
52 651
-
-
social contributions
3 565
4 651
-
-
total
3 565
4 651
-
-
Income
81 000
81 000
81 000
81 000
Total tax
28 839
33 000
21 621
30 385
After tax
52 161
48 000
59 379
50 615
Living cost
31 956
31 956
31 956
31 956
Free-cash
20 205
16 044
27 423
18 659

Estimated living cost  is ₽31956 per week

₽21049
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2519
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.
₽7897
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
₽31208
₽33858
₽33352
₽30751
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
-
-
-
81 000
income
-
-
-
12 150
health
-
-
-
5 653
social contributions
-
-
-
11 178
total
-
-
-
28 981
Employee
29 848
-
81 000
-
health
2 083
-
5 653
-
income
4 978
-
11 644
-
social contributions
4 120
-
11 178
-
total
11 181
-
28 475
-
Employer
29 848
-
81 000
-
total
-
-
-
-
Corporate
51 152
81 000
-
-
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%.

2 558
4 049
-
-
total
2 558
4 049
-
-
Dividends
48 594
76 951
-
-
social contributions
6 706
10 620
-
-
withholding
7 289
11 542
-
-
health
3 391
5 371
-
-
total
17 386
27 533
-
-
Income
81 000
81 000
81 000
81 000
Total tax
31 125
31 582
28 475
28 981
After tax
49 875
49 418
52 525
52 019
Living cost
18 667
18 667
18 667
18 667
Free-cash
31 208
30 751
33 858
33 352

Estimated living cost  is ₽18667 per week

₽12492
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1151
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.
₽4592
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
₽21779
₽16054
₽14400
₽30717
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
-
-
-
81 000
income
-
-
-
6 962
health
-
-
-
10 935
social contributions
-
-
-
23 652
solidarity contribution
-
-
-
-
total
-
-
-
41 549
Employee
36 840
-
60 448
-
health
4 973
-
8 160
-
solidarity contribution
-
-
-
-
income
4 421
-
7 254
-
social contributions
2 395
-
3 929
-
total
11 789
-
19 343
-
Employer
36 840
-
60 448
-
health
3 316
-
5 440
-
social contributions
9 210
-
15 112
-
total
12 526
-
20 552
-
Corporate
31 635
81 000
-
-
income
6 011
15 390
-
-
total
6 011
15 390
-
-
Dividends
25 624
65 610
-
-
withholding
3 844
9 842
-
-
total
3 844
9 842
-
-
Income
81 000
81 000
81 000
81 000
Total tax
34 170
25 232
39 895
41 549
After tax
46 830
55 768
41 105
39 451
Living cost
25 051
25 051
25 051
25 051
Free-cash
21 779
30 717
16 054
14 400

Estimated living cost  is ₽25051 per week

₽18630
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1388
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽433
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.
₽4600
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
₽65392
₽55067
₽70457
₽67217
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%.

-
-
-
81 000
microenterprise

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

-
-
-
810
total
-
-
-
810
Employee
12 166
-
81 000
-
income
2 433
-
16 200
-
total
2 433
-
16 200
-
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%.

68 834
81 000
-
-
total
-
-
-
-
Dividends
68 834
81 000
-
-
withholding
3 442
4 050
-
-
total
3 442
4 050
-
-
Income
81 000
81 000
81 000
81 000
Total tax
5 875
4 050
16 200
810
After tax
75 125
76 950
64 800
80 190
Living cost
9 733
9 733
9 733
9 733
Free-cash
65 392
67 217
55 067
70 457

Estimated living cost  is ₽9733 per week

₽6586
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽409
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽326
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.
₽2411
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
₽4356
₽3950
₽4327
-₽1696
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
-
-
-
81 000
income
-
-
-
6 720
other
-
-
-
2 513
health
-
-
-
1 113
social contributions
-
-
-
2 307
pensions
-
-
-
21 502
surtax
-
-
-
-
total
-
-
-
34 155
Employee
55 136
-
61 723
-
pensions
6 236
-
6 981
-
income
4 811
-
6 516
-
social contributions
1 570
-
1 759
-
surtax
-
-
-
-
total
12 617
-
15 256
-
Employer
55 136
-
61 723
-
health
3 859
-
4 320
-
social contributions
165
-
185
-
pensions
9 059
-
10 142
-
unemployment
2 234
-
2 499
-
other
1 903
-
2 130
-
total
17 220
-
19 276
-
Corporate
8 644
81 000
-
-
income
2 421
22 680
-
-
surtax
-
-
-
-
total
2 421
22 680
-
-
Dividends
6 223
58 320
-
-
social contributions
1 071
10 032
-
-
surtax
-
-
-
-
withholding
797
7 466
-
-
total
1 868
17 498
-
-
Income
81 000
81 000
81 000
81 000
Total tax
34 126
40 178
34 532
34 155
After tax
46 874
40 822
46 468
46 845
Living cost
42 518
42 518
42 518
42 518
Free-cash
4 356
-1 696
3 950
4 327

Estimated living cost  is ₽42518 per week

₽28775
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3478
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽583
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.
₽9681
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
₽39040
₽26876
₽26877
₽43357
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.

-
-
-
81 000
pensions
-
-
-
16 850
unemployment
-
-
-
972
income
-
-
-
14 460
health
-
-
-
6 675
total
-
-
-
38 957
Employee

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

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

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

22 869
-
69 399
-
health
1 178
-
3 338
-
unemployment
172
-
486
-
pensions
3 202
-
9 073
-
income
3 152
-
14 460
-
total
7 704
-
27 357
-
Employer

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

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

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

22 869
-
69 399
-
health
1 178
-
3 338
-
pensions
2 744
-
7 777
-
unemployment
172
-
486
-
total
4 094
-
11 601
-
Corporate
54 037
81 000
-
-
income
8 106
12 150
-
-
total
8 106
12 150
-
-
Dividends
45 932
68 850
-
-
withholding
6 890
10 327
-
-
total
6 890
10 327
-
-
Income
81 000
81 000
81 000
81 000
Total tax
26 794
22 477
38 958
38 957
After tax
54 206
58 523
42 042
42 043
Living cost
15 166
15 166
15 166
15 166
Free-cash
39 040
43 357
26 876
26 877

Estimated living cost  is ₽15166 per week

₽10211
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1173
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽439
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3343
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
₽2555
₽3200
₽7232
-₽23235
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
-
-
-
81 000
pensions
-
-
-
7 452
city
-
-
-
853
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.

-
-
-
1 619
health
-
-
-
197
regional
-
-
-
2 834
national
-
-
-
539
total
-
-
-
13 494
Employee
70 536
-
72 500
-
health
159
-
163
-
unemployment
-
-
-
-
city
757
-
779
-
pensions
5 926
-
6 090
-
regional
2 310
-
2 417
-
national
334
-
373
-
total
9 486
-
9 822
-
Employer
70 536
-
72 500
-
health
159
-
163
-
pensions
5 926
-
6 090
-
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.

1 410
-
1 451
-
total
7 495
-
7 704
-
Corporate
2 193
81 000
-
-
regional
464
17 131
-
-
national
186
6 886
-
-
total
650
24 017
-
-
Dividends
1 543
56 984
-
-
withholding
540
19 944
-
-
total
540
19 944
-
-
Income
81 000
81 000
81 000
81 000
Total tax
18 171
43 961
17 526
13 494
After tax
62 829
37 039
63 474
67 506
Living cost
60 274
60 274
60 274
60 274
Free-cash
2 555
-23 235
3 200
7 232

Estimated living cost  is ₽60274 per week

₽39195
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5409
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽740
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.
₽14929
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
₽17954
₽12968
₽24506
₽20597
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

-
-
-
81 000
municipal
-
-
-
14 422
health
-
-
-
880
national
-
-
-
7 394
total
-
-
-
22 696
Employee
46 315
-
68 142
-
health
346
-
682
-
unemployment
695
-
1 022
-
pensions
3 126
-
4 599
-
national
765
-
3 941
-
municipal
7 586
-
11 131
-
total
12 518
-
21 375
-
Employer
46 315
-
68 142
-
health
356
-
525
-
pensions
8 035
-
11 823
-
accident
47
-
68
-
unemployment
301
-
443
-
total
8 739
-
12 859
-
Corporate
25 946
81 000
-
-
income
5 189
16 199
-
-
total
5 189
16 199
-
-
Dividends

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

15 568
48 600
-
-
municipal
2 802
8 749
-
-
national
-
1 657
-
-
total
2 802
10 406
-
-
Income
81 000
81 000
81 000
81 000
Total tax
29 248
26 605
34 234
22 696
After tax
51 752
54 395
46 766
58 304
Living cost
33 798
33 798
33 798
33 798
Free-cash
17 954
20 597
12 968
24 506

Estimated living cost  is ₽33798 per week

₽22077
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3251
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.
₽7934
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
-₽300
-₽100
₽6804
₽13357
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
-
-
-
81 000
communal

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

-
-
-
4 125
social contributions
-
-
-
12 257
national
-
-
-
25 717
total
-
-
-
42 099
Employee

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

62 970
-
62 737
-
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.

2 959
-
2 949
-
communal

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

3 284
-
3 273
-
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.

548
-
546
-
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.

4 723
-
4 706
-
national
19 359
-
19 267
-
total
30 873
-
30 741
-
Employer

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

62 970
-
62 737
-
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.

3 872
-
3 859
-
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.

5 580
-
5 558
-
surtax
7 140
-
7 113
-
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.

819
-
817
-
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.

919
-
915
-
total
18 330
-
18 262
-
Corporate
-
81 000
-
-
income
-
16 199
-
-
surtax
-
324
-
-
total
-
16 523
-
-
Dividends
-
64 476
-
-
withholding

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

-
19 023
-
-
total
-
19 023
-
-
Income
81 000
81 000
81 000
81 000
Total tax
49 203
35 546
49 003
42 099
After tax
31 797
45 454
31 997
38 901
Living cost
32 097
32 097
32 097
32 097
Free-cash
-300
13 357
-100
6 804

Estimated living cost  is ₽32097 per week

₽20675
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2807
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽503
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.
₽8114
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
₽4902
₽4795
₽1917
₽5765
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
-
-
-
81 000
unemployment
-
-
-
81
municipal
-
-
-
17 157
other
-
-
-
9 412
health
-
-
-
5 054
national
-
-
-
-
accident
-
-
-
162
pensions
-
-
-
8 756
total
-
-
-
40 622
Employee
54 804
-
61 635
-
national
-
-
-
-
municipal
16 342
-
18 379
-
total
16 342
-
18 379
-
Employer
54 804
-
61 635
-
health
3 370
-
3 790
-
pensions
5 924
-
6 663
-
accident
110
-
123
-
unemployment
1 447
-
1 627
-
other
6 368
-
7 162
-
total
17 219
-
19 365
-
Corporate
8 977
81 000
-
-
income
1 975
17 820
-
-
total
1 975
17 820
-
-
Dividends
7 002
63 180
-
-
withholding
2 101
18 954
-
-
total
2 101
18 954
-
-
Income
81 000
81 000
81 000
81 000
Total tax
37 637
36 774
37 744
40 622
After tax
43 363
44 226
43 256
40 378
Living cost
38 461
38 461
38 461
38 461
Free-cash
4 902
5 765
4 795
1 917

Estimated living cost  is ₽38461 per week

₽25491
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3774
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽584
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.
₽8613
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
-₽62590
₽26778
₽14424
₽7727
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
-
-
-
81 000
income
-
-
-
15 789
social contributions
-
-
-
9 234
total
-
-
-
25 023
Employee
59 581
-
-
-
income
13 142
-
-
-
social contributions
4 886
-
696
-
total
18 028
-
696
-
Employer
59 581
-
-
-
social contributions
84 009
-
11 973
-
total
84 009
-
11 973
-
Corporate
-
81 000
-
-
income
-
17 820
-
-
total
-
17 820
-
-
Dividends
-
63 180
-
-
income
-
13 900
-
-
total
-
13 900
-
-
Income
81 000
81 000
81 000
81 000
Total tax
102 037
31 720
12 669
25 023
After tax
-21 037
49 280
68 331
55 977
Living cost
41 553
41 553
41 553
41 553
Free-cash
-62 590
7 727
26 778
14 424

Estimated living cost  is ₽41553 per week

₽26961
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3908
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.
₽10154
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
₽27130
₽29786
₽29868
₽30779
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
-
-
-
81 000
income
-
-
-
7 878
health
-
-
-
2 065
social contributions
-
-
-
12 636
total
-
-
-
22 579
Employee
67 692
67 692
73 536
-
health
673
1 151
1 250
-
income
7 108
6 266
7 843
-
social contributions
3 289
5 618
6 104
-
total
11 070
13 035
15 197
-
Employer
67 692
67 692
73 536
-
health
733
1 253
1 360
-
social contributions
3 289
5 618
6 104
-
total
4 022
6 871
7 464
-
Corporate
37 353
6 437
-
-
income
4 669
805
-
-
total
4 669
805
-
-
Dividends
32 684
5 632
-
-
withholding
5 556
957
-
-
total
5 556
957
-
-
Income
81 000
81 000
81 000
81 000
Total tax
25 317
21 668
22 661
22 579
After tax
55 683
59 332
58 339
58 421
Living cost
28 553
28 553
28 553
28 553
Free-cash
27 130
30 779
29 786
29 868

Estimated living cost  is ₽28553 per week

₽19519
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2230
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽479
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6325
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
₽24729
₽19613
₽27732
₽29032
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
-
-
-
81 000
income
-
-
-
16 164
pensions
-
-
-
5 886
total
-
-
-
22 050
Employee
42 851
-
71 379
-
health
559
-
1 144
-
pensions
3 271
-
6 695
-
income
7 804
-
12 709
-
total
11 634
-
20 548
-
Employer
42 851
-
71 379
-
health
814
-
1 357
-
pensions
4 329
-
8 264
-
total
5 143
-
9 621
-
Corporate
33 005
81 000
-
-
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.

6 271
15 391
-
-
total
6 271
15 391
-
-
Dividends
26 734
65 609
-
-
withholding
2 005
5 359
-
-
total
2 005
5 359
-
-
Income
81 000
81 000
81 000
81 000
Total tax
25 053
20 750
30 169
22 050
After tax
55 947
60 250
50 831
58 950
Living cost
31 218
31 218
31 218
31 218
Free-cash
24 729
29 032
19 613
27 732

Estimated living cost  is ₽31218 per week

₽21415
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2871
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.
₽6539
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
₽3591
₽2581
₽6286
₽7596
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
-
-
-
81 000
municipal
-
-
-
541
regional
-
-
-
1 553
social contributions
-
-
-
20 834
national
-
-
-
16 716
total
-
-
-
39 644
Employee
74 181
-
81 000
-
social contributions
25 013
-
27 314
-
regional
1 120
-
1 299
-
national
12 536
-
14 253
-
municipal
443
-
483
-
total
39 112
-
43 349
-
Employer
74 181
-
81 000
-
total
-
-
-
-
Corporate
6 819
81 000
-
-
nationa
1 637
19 440
-
-
municipal
329
3 904
-
-
total
1 966
23 344
-
-
Dividends
4 853
57 656
-
-
withholding
1 261
14 990
-
-
total
1 261
14 990
-
-
Income
81 000
81 000
81 000
81 000
Total tax
42 339
38 334
43 349
39 644
After tax
38 661
42 666
37 651
41 356
Living cost
35 070
35 070
35 070
35 070
Free-cash
3 591
7 596
2 581
6 286

Estimated living cost  is ₽35070 per week

₽24634
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2412
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.
₽7492
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
₽3652
₽22551
₽36668
-₽12398
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
-
-
-
81 000
pensions
-
-
-
3 586
income
-
-
-
19 371
other
-
-
-
319
health
-
-
-
1 879
accident
-
-
-
218
total
-
-
-
25 373
Employee
29 824
-
68 676
-
health
3 415
-
7 863
-
pensions
3 358
-
6 575
-
income
4 092
-
12 728
-
total
10 865
-
27 166
-
Employer
29 824
-
68 676
-
pensions
4 850
-
9 495
-
accident
498
-
1 147
-
unemployment
731
-
1 682
-
total
6 079
-
12 324
-
Corporate
45 098
81 000
-
-
income

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

40 588
72 900
-
-
total
40 588
72 900
-
-
Dividends
4 510
8 100
-
-
withholding
857
1 539
-
-
total
857
1 539
-
-
Income
81 000
81 000
81 000
81 000
Total tax
58 389
74 439
39 490
25 373
After tax
22 611
6 561
41 510
55 627
Living cost
18 959
18 959
18 959
18 959
Free-cash
3 652
-12 398
22 551
36 668

Estimated living cost  is ₽18959 per week

₽13896
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1050
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.
₽3618
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
₽19336
₽24484
₽18734
₽7822
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.

-
-
-
81 000
trade
-
-
-
5 750
income

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

-
-
-
15 655
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.

-
-
-
6 014
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.

-
-
-
860
total
-
-
-
28 279
Employee

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

43 801
-
81 000
-
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.

6 014
-
6 014
-
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.

3 602
-
15 655
-
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.

199
-
860
-
total
9 815
-
22 529
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
37 199
81 000
-
-
income
5 580
12 150
-
-
trade
5 337
11 624
-
-
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.

307
668
-
-
chamber of commerce
189
252
-
-
total
11 413
24 694
-
-
Dividends
25 786
56 306
-
-
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.

336
755
-
-
withholding
6 113
13 742
-
-
total
6 449
14 497
-
-
Income
81 000
81 000
81 000
81 000
Total tax
27 677
39 191
22 529
28 279
After tax
53 323
41 809
58 471
52 721
Living cost
33 987
33 987
33 987
33 987
Free-cash
19 336
7 822
24 484
18 734

Estimated living cost  is ₽33987 per week

₽23445
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3657
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽493
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6392
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
₽39265
₽27422
₽25007
₽46487
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.

-
-
-
81 000
income
-
-
-
11 638
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.

-
-
-
26 041
surtax
-
-
-
-
total
-
-
-
37 679
Employee
25 723
-
65 275
-
income
4 579
-
12 359
-
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.

2 830
-
7 180
-
surtax
-
-
-
-
total
7 409
-
19 539
-
Employer
25 723
-
65 275
-
social contributions

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

6 196
-
15 725
-
surtax
-
-
-
-
total
6 196
-
15 725
-
Corporate
49 081
81 000
-
-
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%.

9 816
16 199
-
-
total
9 816
16 199
-
-
Dividends

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

39 264
64 801
-
-
total
-
-
-
-
Income
81 000
81 000
81 000
81 000
Total tax
23 421
16 199
35 264
37 679
After tax
57 579
64 801
45 736
43 321
Living cost
18 314
18 314
18 314
18 314
Free-cash
39 265
46 487
27 422
25 007

Estimated living cost  is ₽18314 per week

₽11684
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1744
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽416
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.
₽4470
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
₽38658
₽35720
₽36446
₽40335
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
-
-
-
81 000
income
-
-
-
21 499
health
-
-
-
5 399
pensions
-
-
-
7 447
total
-
-
-
34 345
Employee
15 550
-
72 622
-
health
778
-
1 862
-
unemployment
156
-
372
-
pensions
1 399
-
3 351
-
income
3 008
-
21 108
-
total
5 341
-
26 693
-
Employer
15 550
-
72 622
-
health
1 477
-
3 537
-
pensions
1 711
-
4 096
-
unemployment
311
-
745
-
total
3 499
-
8 378
-
Corporate
61 951
81 000
-
-
income
13 629
17 820
-
-
total
13 629
17 820
-
-
Dividends
48 322
63 180
-
-
withholding
9 664
12 636
-
-
total
9 664
12 636
-
-
Income
81 000
81 000
81 000
81 000
Total tax
32 133
30 456
35 071
34 345
After tax
48 867
50 544
45 929
46 655
Living cost
10 209
10 209
10 209
10 209
Free-cash
38 658
40 335
35 720
36 446

Estimated living cost  is ₽10209 per week

₽6067
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽828
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽234
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.
₽3081
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
₽28375
₽21060
₽22623
₽31175
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
-
-
-
81 000
pensions
-
-
-
16 199
unemployment
-
-
-
200
income
-
-
-
14 758
other
-
-
-
-
health
-
-
-
5 750
surtax
-
-
-
1 697
total
-
-
-
38 604
Employee
29 646
-
66 915
-
health
757
-
1 706
-
unemployment
2 063
-
4 658
-
pensions
1 978
-
4 464
-
income
4 970
-
13 737
-
other
-
-
-
-
surtax
105
-
1 517
-
total
9 873
-
26 082
-
Employer
29 646
-
66 915
-
health
1 348
-
3 044
-
pensions
3 953
-
8 919
-
unemployment
941
-
2 122
-
other
-
-
-
-
total
6 242
-
14 085
-
Corporate
45 113
81 000
-
-
income
11 729
21 061
-
-
total
11 729
21 061
-
-
Dividends
33 384
59 939
-
-
withholding
5 008
8 991
-
-
total
5 008
8 991
-
-
Income
81 000
81 000
81 000
81 000
Total tax
32 852
30 052
40 167
38 604
After tax
48 148
50 948
40 833
42 396
Living cost
19 773
19 773
19 773
19 773
Free-cash
28 375
31 175
21 060
22 623

Estimated living cost  is ₽19773 per week

₽11938
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1719
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽459
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.
₽5658
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
₽17099
-₽2478
₽13679
₽17535
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
-
-
-
81 000
pensions
-
-
-
14 985
chamber of commerce
-
-
-
324
unemployment
-
-