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
₽20244
₽20551
₽31841
₽27504
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
-
-
-
14 717
accident
-
-
-
690
unemployment
-
-
-
537
pensions
-
-
-
21 689
other
-
-
-
77
total
-
-
-
37 710
Employee
30 575
-
61 420
-
other
30
-
61
-
income
5 895
-
14 536
-
unemployment
474
-
953
-
pensions
1 437
-
2 887
-
total
7 836
-
18 437
-
Employer
30 575
-
61 420
-
unemployment
1 682
-
3 378
-
pensions
7 215
-
14 495
-
other
245
-
491
-
accident
606
-
1 216
-
total
9 748
-
19 580
-
Corporate
40 677
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.

6 101
12 150
-
-
total
6 101
12 150
-
-
Dividends
34 576
68 850
-
-
withholding
7 072
14 270
-
-
total
7 072
14 270
-
-
Income
81 000
81 000
81 000
81 000
Total tax
30 757
26 420
38 017
37 710
After tax
50 243
54 580
42 983
43 290
Living cost
22 739
22 739
22 739
22 739
Free-cash
27 504
31 841
20 244
20 551

Estimated living cost  is ₽22739 per week

₽15348
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2186
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.
₽4806
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
₽25427
₽21827
₽37476
₽31891
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
-
-
-
10 288
health
-
-
-
3 564
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.

-
-
-
19 439
other
-
-
-
3 848
total
-
-
-
37 139
Employee
30 024
-
64 698
-
income
5 169
-
11 155
-
health
421
-
905
-
unemployment
300
-
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.

2 101
-
4 529
-
total
7 991
-
17 236
-
Employer
30 024
-
64 698
-
unemployment
300
-
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.

5 105
-
10 999
-
other
1 502
-
3 234
-
accident
240
-
518
-
health
421
-
905
-
total
7 568
-
16 303
-
Corporate
43 409
81 000
-
-
income
9 115
17 010
-
-
total
9 115
17 010
-
-
Dividends
34 294
63 990
-
-
withholding
2 401
4 480
-
-
total
2 401
4 480
-
-
Income
81 000
81 000
81 000
81 000
Total tax
27 075
21 490
33 539
37 139
After tax
53 925
59 510
47 461
43 861
Living cost
22 034
22 034
22 034
22 034
Free-cash
31 891
37 476
25 427
21 827

Estimated living cost  is ₽22034 per week

₽15568
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1488
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽355
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.
₽4623
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
₽52816
₽50334
₽58435
₽54600
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
-
-
-
3 315
unemployment
-
-
-
115
pensions

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

-
-
-
4 266
total
-
-
-
19 846
Employee
14 327
-
75 345
-
income
1 432
-
7 535
-
health
659
-
1 326
-
accident

We are using the highest rate at 1.1%.

158
-
317
-
pensions

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

1 258
-
2 531
-
total
3 507
-
11 709
-
Employer
14 327
-
75 345
-
unemployment
86
-
173
-
pensions

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

1 579
-
3 176
-
accident

We are using the highest rate at 1.1%.

158
-
317
-
health
989
-
1 989
-
total
2 812
-
5 655
-
Corporate
63 862
81 000
-
-
income
6 387
8 100
-
-
total
6 387
8 100
-
-
Dividends
57 475
72 900
-
-
withholding
2 874
3 645
-
-
total
2 874
3 645
-
-
Income
81 000
81 000
81 000
81 000
Total tax
15 580
11 745
17 364
19 846
After tax
65 420
69 255
63 636
61 154
Living cost
10 820
10 820
10 820
10 820
Free-cash
54 600
58 435
52 816
50 334

Estimated living cost  is ₽10820 per week

₽6317
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽773
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽287
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.
₽3444
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
₽17602
₽18399
₽12534
₽17417
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
-
-
-
7 475
social contributions
-
-
-
2 308
health
-
-
-
1 408
surtax
-
-
-
-
pensions
-
-
-
20 605
other
-
-
-
2 514
total
-
-
-
34 310
Employee
35 390
-
61 724
-
income
2 089
-
7 092
-
social contributions
1 009
-
1 759
-
surtax
-
-
-
-
pensions
4 001
-
6 980
-
total
7 099
-
15 831
-
Employer
35 390
-
61 724
-
unemployment
1 433
-
2 500
-
social contributions
107
-
185
-
pensions
5 814
-
10 142
-
other
1 221
-
2 129
-
health
2 478
-
4 320
-
total
11 053
-
19 276
-
Corporate
34 558
81 000
-
-
income
9 676
22 680
-
-
surtax
-
-
-
-
total
9 676
22 680
-
-
Dividends
24 882
58 320
-
-
withholding
3 185
7 465
-
-
surtax
-
-
-
-
social contributions
4 279
10 030
-
-
total
7 464
17 495
-
-
Income
81 000
81 000
81 000
81 000
Total tax
35 292
40 175
35 107
34 310
After tax
45 708
40 825
45 893
46 690
Living cost
28 291
28 291
28 291
28 291
Free-cash
17 417
12 534
17 602
18 399

Estimated living cost  is ₽28291 per week

₽17839
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2300
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽482
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.
₽7672
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
-₽1112
₽11347
₽3530
-₽1112
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
-
-
-
15 514
health
-
-
-
9 811
pensions
-
-
-
9 688
total
-
-
-
35 013
Employee
70 614
70 614
70 614
-
income

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

11 558
11 558
11 558
-
health
10 838
9 219
10 838
-
pensions
12 711
9 688
12 711
-
total
35 107
30 465
35 107
-
Employer
70 614
70 614
70 614
-
unemployment
2 542
2 542
2 542
-
pensions
4 915
4 915
4 915
-
health
4 908
4 908
4 908
-
total
12 365
12 365
12 365
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Income
81 000
81 000
81 000
81 000
Total tax
47 472
42 830
47 472
35 013
After tax
33 528
38 170
33 528
45 987
Living cost
34 640
34 640
34 640
34 640
Free-cash
-1 112
3 530
-1 112
11 347

Estimated living cost  is ₽34640 per week

₽24549
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3123
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽551
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6418
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
₽32825
₽26123
₽15913
₽25060
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
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.

-
-
-
16 568
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.

-
-
-
5 649
trade
-
-
-
6 702
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.

-
-
-
912
total
-
-
-
29 831
Employee

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

31 627
-
81 000
-
income

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

883
-
16 568
-
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.

5 649
-
5 649
-
surtax

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

49
-
912
-
total
6 581
-
23 129
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
49 373
81 000
-
-
chamber of commerce
196
242
-
-
income
7 407
12 150
-
-
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.

408
668
-
-
trade
7 777
12 758
-
-
total
15 788
25 818
-
-
Dividends
33 585
55 182
-
-
withholding
8 081
13 481
-
-
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.

444
742
-
-
total
8 525
14 223
-
-
Income
81 000
81 000
81 000
81 000
Total tax
30 894
40 041
23 129
29 831
After tax
50 106
40 959
57 871
51 169
Living cost
25 046
25 046
25 046
25 046
Free-cash
25 060
15 913
32 825
26 123

Estimated living cost  is ₽25046 per week

₽15755
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2920
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽468
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.
₽5903
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
₽38465
₽38546
₽40157
₽35656
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
-
-
-
8 607
social contributions
-
-
-
12 637
health
-
-
-
2 065
total
-
-
-
23 309
Employee
63 585
63 585
73 535
-
income
6 923
5 886
8 571
-
social contributions
2 404
5 277
6 104
-
health
493
1 081
1 251
-
total
9 820
12 244
15 926
-
Employer
63 585
63 585
73 535
-
social contributions
2 404
5 277
6 104
-
health
535
1 177
1 360
-
total
2 939
6 454
7 464
-
Corporate
49 096
10 961
-
-
income
6 137
1 370
-
-
total
6 137
1 370
-
-
Dividends
42 959
9 591
-
-
withholding
7 303
1 630
-
-
total
7 303
1 630
-
-
Income
81 000
81 000
81 000
81 000
Total tax
26 199
21 698
23 390
23 309
After tax
54 801
59 302
57 610
57 691
Living cost
19 145
19 145
19 145
19 145
Free-cash
35 656
40 157
38 465
38 546

Estimated living cost  is ₽19145 per week

₽11474
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1878
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.
₽5370
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
₽15451
₽19440
₽20136
₽19303
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
-
-
-
7 476
social contributions

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

-
-
-
28 147
surtax
-
-
-
-
total
-
-
-
35 623
Employee
38 031
-
65 454
-
income
7 911
-
16 867
-
social contributions
4 183
-
7 199
-
surtax
-
-
-
-
total
12 094
-
24 066
-
Employer
38 031
-
65 454
-
social contributions
9 032
-
15 546
-
total
9 032
-
15 546
-
Corporate
33 937
81 000
-
-
income
7 127
17 010
-
-
surtax
-
-
-
-
total
7 127
17 010
-
-
Dividends
26 809
63 990
-
-
withholding
7 507
17 917
-
-
total
7 507
17 917
-
-
Income
81 000
81 000
81 000
81 000
Total tax
35 760
34 927
39 612
35 623
After tax
45 240
46 073
41 388
45 377
Living cost
25 937
25 937
25 937
25 937
Free-cash
19 303
20 136
15 451
19 440

Estimated living cost  is ₽25937 per week

₽19406
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1530
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.
₽4568
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
₽58614
₽74004
₽70764
₽69605
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
7 732
-
81 000
-
income
1 546
-
16 200
-
total
1 546
-
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%.

73 268
81 000
-
-
total
-
-
-
-
Dividends
73 268
81 000
-
-
withholding
3 663
4 050
-
-
total
3 663
4 050
-
-
Income
81 000
81 000
81 000
81 000
Total tax
5 209
4 050
16 200
810
After tax
75 791
76 950
64 800
80 190
Living cost
6 186
6 186
6 186
6 186
Free-cash
69 605
70 764
58 614
74 004

Estimated living cost  is ₽6186 per week

₽3833
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽514
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽170
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.
₽1668
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
₽17479
₽19803
₽33588
₽26671
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
income
-
-
-
16 134
health
-
-
-
7 970
unemployment
-
-
-
121
pensions
-
-
-
14 793
total
-
-
-
39 018
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.

36 566
-
70 086
-
income
6 306
-
14 937
-
health
2 362
-
4 529
-
unemployment
52
-
99
-
pensions
5 668
-
10 864
-
total
14 388
-
30 429
-
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.

36 566
-
70 086
-
unemployment
22
-
42
-
pensions
3 236
-
6 203
-
health
2 435
-
4 668
-
total
5 693
-
10 913
-
Corporate
38 741
81 000
-
-
income
7 361
15 391
-
-
total
7 361
15 391
-
-
Dividends
31 380
65 609
-
-
withholding
4 708
9 842
-
-
total
4 708
9 842
-
-
Income
81 000
81 000
81 000
81 000
Total tax
32 150
25 233
41 342
39 018
After tax
48 850
55 767
39 658
41 982
Living cost
22 179
22 179
22 179
22 179
Free-cash
26 671
33 588
17 479
19 803

Estimated living cost  is ₽22179 per week

₽15221
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1422
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽430
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.
₽5108
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
₽29444
₽22014
₽18263
₽21693
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
-
-
-
23 538
health

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

-
-
-
5 431
total
-
-
-
28 969
Employee
37 933
-
77 196
-
social contributions
3 801
-
3 804
-
income
4 116
-
13 931
-
total
7 917
-
17 735
-
Employer
37 933
-
77 196
-
social contributions
3 801
-
3 804
-
total
3 801
-
3 804
-
Corporate
39 266
81 000
-
-
income
13 743
28 351
-
-
total
13 743
28 351
-
-
Dividends
25 523
52 649
-
-
social contributions
3 829
4 369
-
-
total
3 829
4 369
-
-
Income
81 000
81 000
81 000
81 000
Total tax
29 290
32 720
21 539
28 969
After tax
51 710
48 280
59 461
52 031
Living cost
30 017
30 017
30 017
30 017
Free-cash
21 693
18 263
29 444
22 014

Estimated living cost  is ₽30017 per week

₽19772
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2366
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽460
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.
₽7418
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
₽34714
₽34485
₽31883
₽32310
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
social contributions
-
-
-
11 177
health
-
-
-
5 654
total
-
-
-
28 981
Employee
28 037
-
81 000
-
income
4 676
-
11 921
-
social contributions
3 870
-
11 177
-
health
1 957
-
5 654
-
total
10 503
-
28 752
-
Employer
28 037
-
81 000
-
total
-
-
-
-
Corporate
52 963
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%.

2 649
4 050
-
-
total
2 649
4 050
-
-
Dividends
50 314
76 950
-
-
withholding
7 548
11 543
-
-
health
3 512
5 371
-
-
social contributions
6 944
10 619
-
-
total
18 004
27 533
-
-
Income
81 000
81 000
81 000
81 000
Total tax
31 156
31 583
28 752
28 981
After tax
49 844
49 417
52 248
52 019
Living cost
17 534
17 534
17 534
17 534
Free-cash
32 310
31 883
34 714
34 485

Estimated living cost  is ₽17534 per week

₽11734
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1081
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽403
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.
₽4314
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
₽18440
₽16786
₽33104
₽25016
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
social contributions
-
-
-
23 652
solidarity contribution
-
-
-
-
health
-
-
-
10 935
total
-
-
-
41 549
Employee
33 331
-
60 448
-
solidarity contribution
-
-
-
-
income
4 000
-
7 254
-
social contributions
2 167
-
3 929
-
health
4 500
-
8 160
-
total
10 667
-
19 343
-
Employer
33 331
-
60 448
-
social contributions
8 333
-
15 112
-
health
3 000
-
5 440
-
total
11 333
-
20 552
-
Corporate
36 336
81 000
-
-
income
6 904
15 390
-
-
total
6 904
15 390
-
-
Dividends
29 432
65 610
-
-
withholding
4 415
9 841
-
-
total
4 415
9 841
-
-
Income
81 000
81 000
81 000
81 000
Total tax
33 319
25 231
39 895
41 549
After tax
47 681
55 769
41 105
39 451
Living cost
22 665
22 665
22 665
22 665
Free-cash
25 016
33 104
18 440
16 786

Estimated living cost  is ₽22665 per week

₽16855
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1256
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽392
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.
₽4162
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
₽55161
₽70551
₽67311
₽65504
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
12 049
-
81 000
-
income
2 410
-
16 200
-
total
2 410
-
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%.

68 951
81 000
-
-
total
-
-
-
-
Dividends
68 951
81 000
-
-
withholding
3 447
4 050
-
-
total
3 447
4 050
-
-
Income
81 000
81 000
81 000
81 000
Total tax
5 857
4 050
16 200
810
After tax
75 143
76 950
64 800
80 190
Living cost
9 639
9 639
9 639
9 639
Free-cash
65 504
67 311
55 161
70 551

Estimated living cost  is ₽9639 per week

₽6523
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽405
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽323
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.
₽2388
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
₽5955
₽6752
₽887
₽6570
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
-
-
-
7 475
social contributions
-
-
-
2 308
health
-
-
-
1 408
surtax
-
-
-
-
pensions
-
-
-
20 605
other
-
-
-
2 514
total
-
-
-
34 310
Employee
51 790
-
61 724
-
income
4 519
-
7 092
-
social contributions
1 475
-
1 759
-
surtax
-
-
-
-
pensions
5 858
-
6 980
-
total
11 852
-
15 831
-
Employer
51 790
-
61 724
-
unemployment
2 098
-
2 500
-
social contributions
155
-
185
-
pensions
8 510
-
10 142
-
other
1 787
-
2 129
-
health
3 625
-
4 320
-
total
16 175
-
19 276
-
Corporate
13 034
81 000
-
-
income
3 650
22 680
-
-
surtax
-
-
-
-
total
3 650
22 680
-
-
Dividends
9 384
58 320
-
-
withholding
1 200
7 465
-
-
surtax
-
-
-
-
social contributions
1 615
10 030
-
-
total
2 815
17 495
-
-
Income
81 000
81 000
81 000
81 000
Total tax
34 492
40 175
35 107
34 310
After tax
46 508
40 825
45 893
46 690
Living cost
39 938
39 938
39 938
39 938
Free-cash
6 570
887
5 955
6 752

Estimated living cost  is ₽39938 per week

₽27029
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3267
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽548
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.
₽9094
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
₽28433
₽28433
₽44273
₽40218
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
income
-
-
-
15 299
health
-
-
-
6 272
unemployment
-
-
-
913
pensions
-
-
-
15 833
total
-
-
-
38 317
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.

21 488
-
70 100
-
income
2 962
-
15 299
-
health
1 107
-
3 136
-
unemployment
161
-
457
-
pensions
3 008
-
8 525
-
total
7 238
-
27 417
-
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.

21 488
-
70 100
-
unemployment
161
-
457
-
pensions
2 579
-
7 307
-
health
1 107
-
3 136
-
total
3 847
-
10 900
-
Corporate
55 666
81 000
-
-
income
8 350
12 150
-
-
total
8 350
12 150
-
-
Dividends
47 316
68 850
-
-
withholding
7 097
10 327
-
-
total
7 097
10 327
-
-
Income
81 000
81 000
81 000
81 000
Total tax
26 532
22 477
38 317
38 317
After tax
54 468
58 523
42 683
42 683
Living cost
14 250
14 250
14 250
14 250
Free-cash
40 218
44 273
28 433
28 433

Estimated living cost  is ₽14250 per week

₽9595
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1102
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽412
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3141
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
₽5489
₽9503
-₽20828
₽3931
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
regional
-
-
-
2 922
national
-
-
-
593
health
-
-
-
189
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.

-
-
-
1 620
pensions
-
-
-
7 452
total
-
-
-
13 629
Employee
67 720
-
72 499
-
regional
2 217
-
2 481
-
city
727
-
779
-
health
153
-
163
-
unemployment
-
-
-
-
national
321
-
428
-
pensions
5 689
-
6 089
-
total
9 107
-
9 940
-
Employer
67 720
-
72 499
-
unemployment
-
-
-
-
pensions
5 689
-
6 089
-
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.

1 354
-
1 451
-
health
153
-
163
-
total
7 196
-
7 703
-
Corporate
5 339
81 000
-
-
regional
1 130
17 132
-
-
national
453
6 884
-
-
total
1 583
24 016
-
-
Dividends
3 756
56 984
-
-
withholding
1 315
19 944
-
-
total
1 315
19 944
-
-
Income
81 000
81 000
81 000
81 000
Total tax
19 201
43 960
17 643
13 629
After tax
61 799
37 040
63 357
67 371
Living cost
57 868
57 868
57 868
57 868
Free-cash
3 931
-20 828
5 489
9 503

Estimated living cost  is ₽57868 per week

₽37631
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5193
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽710
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.
₽14333
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
₽14597
₽25960
₽22240
₽20264
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
-
-
-
14 418
national
-
-
-
7 973
health
-
-
-
902
total
-
-
-
23 293
Employee
43 505
-
68 144
-
health
325
-
705
-
unemployment
653
-
1 022
-
national
719
-
4 347
-
municipal
7 126
-
11 127
-
pensions
2 936
-
4 599
-
total
11 759
-
21 800
-
Employer
43 505
-
68 144
-
unemployment
282
-
443
-
pensions
7 548
-
11 822
-
accident
44
-
67
-
health
334
-
524
-
total
8 208
-
12 856
-
Corporate
29 287
81 000
-
-
income
5 858
16 200
-
-
total
5 858
16 200
-
-
Dividends

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

17 572
48 600
-
-
national
-
2 065
-
-
municipal
3 164
8 748
-
-
total
3 164
10 813
-
-
Income
81 000
81 000
81 000
81 000
Total tax
28 989
27 013
34 656
23 293
After tax
52 011
53 987
46 344
57 707
Living cost
31 747
31 747
31 747
31 747
Free-cash
20 264
22 240
14 597
25 960

Estimated living cost  is ₽31747 per week

₽20737
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3054
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽505
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.
₽7452
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
₽1527
₽8102
₽15285
₽2882
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
national
-
-
-
26 097
social contributions
-
-
-
12 544
communal

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

-
-
-
4 107
total
-
-
-
42 748
Employee

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

59 149
-
62 736
-
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.

2 779
-
2 949
-
communal

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

3 085
-
3 272
-
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.

515
-
546
-
national
18 185
-
19 588
-
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.

4 436
-
4 704
-
total
29 000
-
31 059
-
Employer

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

59 149
-
62 736
-
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.

863
-
916
-
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.

5 241
-
5 558
-
surtax
6 707
-
7 115
-
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.

769
-
816
-
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.

3 637
-
3 859
-
total
17 217
-
18 264
-
Corporate
4 634
81 000
-
-
income
927
16 200
-
-
surtax
19
323
-
-
total
946
16 523
-
-
Dividends
3 688
64 476
-
-
withholding

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

805
19 042
-
-
total
805
19 042
-
-
Income
81 000
81 000
81 000
81 000
Total tax
47 968
35 565
49 323
42 748
After tax
33 032
45 435
31 677
38 252
Living cost
30 150
30 150
30 150
30 150
Free-cash
2 882
15 285
1 527
8 102

Estimated living cost  is ₽30150 per week

₽19420
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2636
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽472
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7622
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
₽9249
₽7684
₽10219
₽9455
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
-
-
-
17 716
national
-
-
-
-
health
-
-
-
4 651
accident
-
-
-
149
unemployment
-
-
-
75
pensions
-
-
-
8 057
other
-
-
-
8 661
total
-
-
-
39 309
Employee
48 457
-
61 634
-
national
-
-
-
-
municipal
14 450
-
18 379
-
total
14 450
-
18 379
-
Employer
48 457
-
61 634
-
unemployment
1 279
-
1 627
-
pensions
5 238
-
6 663
-
other
5 631
-
7 162
-
accident
97
-
123
-
health
2 980
-
3 790
-
total
15 225
-
19 365
-
Corporate
17 318
81 000
-
-
income
3 810
17 820
-
-
total
3 810
17 820
-
-
Dividends
13 508
63 180
-
-
withholding
4 053
18 954
-
-
total
4 053
18 954
-
-
Income
81 000
81 000
81 000
81 000
Total tax
37 538
36 774
37 744
39 309
After tax
43 462
44 226
43 256
41 691
Living cost
34 007
34 007
34 007
34 007
Free-cash
9 455
10 219
9 249
7 684

Estimated living cost  is ₽34007 per week

₽22538
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3337
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽516
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.
₽7615
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
₽31807
₽18278
₽11581
-₽49273
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
54 055
-
-
-
income
11 923
-
-
-
social contributions
4 433
-
632
-
total
16 356
-
632
-
Employer
54 055
-
-
-
social contributions
76 218
-
10 862
-
total
76 218
-
10 862
-
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
92 574
31 720
11 494
25 023
After tax
-11 574
49 280
69 506
55 977
Living cost
37 699
37 699
37 699
37 699
Free-cash
-49 273
11 581
31 807
18 278

Estimated living cost  is ₽37699 per week

₽24461
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3546
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽480
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.
₽9212
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
₽30790
₽30871
₽32482
₽29052
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
-
-
-
8 607
social contributions
-
-
-
12 637
health
-
-
-
2 065
total
-
-
-
23 309
Employee
63 585
63 585
73 535
-
income
6 677
5 886
8 571
-
social contributions
3 090
5 277
6 104
-
health
632
1 081
1 251
-
total
10 399
12 244
15 926
-
Employer
63 585
63 585
73 535
-
social contributions
3 090
5 277
6 104
-
health
689
1 177
1 360
-
total
3 779
6 454
7 464
-
Corporate
40 002
10 961
-
-
income
4 999
1 370
-
-
total
4 999
1 370
-
-
Dividends
35 002
9 591
-
-
withholding
5 950
1 630
-
-
total
5 950
1 630
-
-
Income
81 000
81 000
81 000
81 000
Total tax
25 127
21 698
23 390
23 309
After tax
55 873
59 302
57 610
57 691
Living cost
26 820
26 820
26 820
26 820
Free-cash
29 052
32 482
30 790
30 871

Estimated living cost  is ₽26820 per week

₽18335
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2095
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽450
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5941
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
₽20523
₽28257
₽29518
₽25875
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
-
-
-
16 587
pensions
-
-
-
5 932
total
-
-
-
22 519
Employee
41 487
-
71 336
-
income
7 555
-
12 687
-
health
541
-
1 152
-
pensions
3 166
-
6 749
-
total
11 262
-
20 588
-
Employer
41 487
-
71 336
-
pensions
4 192
-
8 310
-
health
788
-
1 355
-
total
4 980
-
9 665
-
Corporate
34 533
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.

6 561
15 390
-
-
total
6 561
15 390
-
-
Dividends
27 972
65 610
-
-
withholding
2 098
5 868
-
-
total
2 098
5 868
-
-
Income
81 000
81 000
81 000
81 000
Total tax
24 901
21 258
30 253
22 519
After tax
56 099
59 742
50 747
58 481
Living cost
30 224
30 224
30 224
30 224
Free-cash
25 875
29 518
20 523
28 257

Estimated living cost  is ₽30224 per week

₽20734
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2779
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.
₽6331
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details

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
₽4288
₽7994
₽9724
₽5962
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
-
-
-
1 601
national
-
-
-
17 089
social contributions
-
-
-
20 833
total
-
-
-
40 064
Employee
69 680
-
81 000
-
regional
1 052
-
1 347
-
social contributions
23 496
-
27 313
-
national
11 775
-
14 627
-
municipal
416
-
483
-
total
36 739
-
43 770
-
Employer
69 680
-
81 000
-
total
-
-
-
-
Corporate
11 320
81 000
-
-
nationa
2 716
19 439
-
-
municipal
546
3 904
-
-
total
3 262
23 343
-
-
Dividends
8 058
57 657
-
-
withholding
2 095
14 991
-
-
total
2 095
14 991
-
-
Income
81 000
81 000
81 000
81 000
Total tax
42 096
38 334
43 770
40 064
After tax
38 904
42 666
37 230
40 936
Living cost
32 942
32 942
32 942
32 942
Free-cash
5 962
9 724
4 288
7 994

Estimated living cost  is ₽32942 per week

₽23139
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2266
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽497
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.
₽7038
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
₽24687
₽38287
-₽10732
₽3909
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
-
-
-
19 946
health
-
-
-
1 714
accident
-
-
-
198
pensions
-
-
-
3 271
other
-
-
-
291
total
-
-
-
25 420
Employee
27 203
-
69 477
-
income
3 732
-
13 546
-
health
3 115
-
7 955
-
pensions
3 063
-
5 997
-
total
9 910
-
27 498
-
Employer
27 203
-
69 477
-
unemployment
666
-
1 702
-
pensions
4 423
-
8 660
-
accident
454
-
1 160
-
total
5 543
-
11 522
-
Corporate
48 253
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.

43 428
72 900
-
-
total
43 428
72 900
-
-
Dividends
4 825
8 100
-
-
withholding
917
1 539
-
-
total
917
1 539
-
-
Income
81 000
81 000
81 000
81 000
Total tax
59 798
74 439
39 020
25 420
After tax
21 202
6 561
41 980
55 580
Living cost
17 293
17 293
17 293
17 293
Free-cash
3 909
-10 732
24 687
38 287

Estimated living cost  is ₽17293 per week

₽12674
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽958
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽361
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.
₽3300
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
₽25947
₽19840
₽9871
₽20685
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
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.

-
-
-
16 568
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.

-
-
-
5 649
trade
-
-
-
6 107
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.

-
-
-
912
total
-
-
-
29 236
Employee

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

41 143
-
81 000
-
income

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

3 383
-
16 568
-
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.

5 649
-
5 649
-
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.

187
-
912
-
total
9 219
-
23 129
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
39 857
81 000
-
-
chamber of commerce
184
245
-
-
income
5 979
12 150
-
-
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.

330
668
-
-
trade
5 720
11 623
-
-
total
12 213
24 686
-
-
Dividends
27 645
56 313
-
-
withholding
6 597
13 763
-
-
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.

362
756
-
-
total
6 959
14 519
-
-
Income
81 000
81 000
81 000
81 000
Total tax
28 391
39 205
23 129
29 236
After tax
52 609
41 795
57 871
51 764
Living cost
31 924
31 924
31 924
31 924
Free-cash
20 685
9 871
25 947
19 840

Estimated living cost  is ₽31924 per week

₽22022
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3435
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.
₽6004
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
₽28471
₽26056
₽47597
₽40815
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
microenterprise
-
-
-
-
income
-
-
-
11 700
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
-
-
-
37 741
Employee
24 162
-
65 275
-
income
4 301
-
12 420
-
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.

2 658
-
7 181
-
surtax
-
-
-
-
total
6 959
-
19 601
-
Employer
24 162
-
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.

5 820
-
15 725
-
surtax
-
-
-
-
total
5 820
-
15 725
-
Corporate
51 017
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%.

10 203
16 200
-
-
total
10 203
16 200
-
-
Dividends

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

40 814
64 800
-
-
total
-
-
-
-
Income
81 000
81 000
81 000
81 000
Total tax
22 982
16 200
35 326
37 741
After tax
58 018
64 800
45 674
43 259
Living cost
17 203
17 203
17 203
17 203
Free-cash
40 815
47 597
28 471
26 056

Estimated living cost  is ₽17203 per week

₽10975
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1638
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.
₽4199
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
₽34940
₽35700
₽39865
₽38111
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
-
-
-
21 185
health
-
-
-
5 647
pensions
-
-
-
7 789
total
-
-
-
34 621
Employee
16 264
-
72 237
-
income
3 146
-
20 776
-
health
813
-
1 947
-
unemployment
163
-
390
-
pensions
1 464
-
3 505
-
total
5 586
-
26 618
-
Employer
16 264
-
72 237
-
unemployment
325
-
779
-
pensions
1 789
-
4 284
-
health
1 545
-
3 700
-
total
3 659
-
8 763
-
Corporate
61 076
81 000
-
-
income
13 437
17 820
-
-
total
13 437
17 820
-
-
Dividends
47 639
63 180
-
-
withholding
9 528
12 636
-
-
total
9 528
12 636
-
-
Income
81 000
81 000
81 000
81 000
Total tax
32 210
30 456
35 381
34 621
After tax
48 790
50 544
45 619
46 379
Living cost
10 679
10 679
10 679
10 679
Free-cash
38 111
39 865
34 940
35 700

Estimated living cost  is ₽10679 per week

₽6346
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽866
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽245
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.
₽3222
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
₽21707
₽23273
₽32375
₽29746
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
-
-
-
15 188
health
-
-
-
5 751
unemployment
-
-
-
188
surtax
-
-
-
1 827
pensions
-
-
-
16 200
other
-
-
-
-
total
-
-
-
39 154
Employee
27 847
-
66 913
-
other
-
-
-
-
income
4 668
-
14 160
-
health
711
-
1 707
-
unemployment
1 938
-
4 657
-
surtax
99
-
1 646
-
pensions
1 858
-
4 463
-
total
9 274
-
26 633
-
Employer
27 847
-
66 913
-
unemployment
883
-
2 122
-
pensions
3 713
-
8 919
-
other
-
-
-
-
health
1 266
-
3 046
-
total
5 862
-
14 087
-
Corporate
47 290
81 000
-
-
income
12 296
21 060
-
-
total
12 296
21 060
-
-
Dividends
34 994
59 940
-
-
withholding
5 249
8 992
-
-
total
5 249
8 992
-
-
Income
81 000
81 000
81 000
81 000
Total tax
32 681
30 052
40 720
39 154
After tax
48 319
50 948
40 280
41 846
Living cost
18 573
18 573
18 573
18 573
Free-cash
29 746
32 375
21 707
23 273

Estimated living cost  is ₽18573 per week

₽11213
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1615
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽432
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5315
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
-₽1556
₽14935
₽19141
₽18734
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
-
-
-
13 108
chamber of commerce
-
-
-
323
health
-
-