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
₽ 81500
per

Your estimated
City
free-cash

Valencia , Spain
₽20469
₽20866
₽32175
₽27839
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
-
-
-
81 500
income
-
-
-
14 902
accident
-
-
-
690
unemployment
-
-
-
537
pensions
-
-
-
21 689
other
-
-
-
77
total
-
-
-
37 895
Employee
30 575
-
61 799
-
other
30
-
61
-
income
5 895
-
14 668
-
unemployment
474
-
957
-
pensions
1 437
-
2 905
-
total
7 836
-
18 591
-
Employer
30 575
-
61 799
-
unemployment
1 682
-
3 399
-
pensions
7 215
-
14 584
-
other
245
-
494
-
accident
606
-
1 224
-
total
9 748
-
19 701
-
Corporate
41 177
81 500
-
-
income

The general rate of corporate tax is 25%. The lower rate of 15% is introduced for newly formed companies which applies during the first two years of operation in which taxable profit is made. We use the lower rate in our model.

6 176
12 226
-
-
total
6 176
12 226
-
-
Dividends
35 000
69 274
-
-
withholding
7 162
14 360
-
-
total
7 162
14 360
-
-
Income
81 500
81 500
81 500
81 500
Total tax
30 922
26 586
38 292
37 895
After tax
50 578
54 914
43 208
43 605
Living cost
22 739
22 739
22 739
22 739
Free-cash
27 839
32 175
20 469
20 866

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
₽25700
₽22097
₽37844
₽32258
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
-
-
-
81 500
income
-
-
-
10 352
health
-
-
-
3 586
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.

-
-
-
19 560
other
-
-
-
3 871
total
-
-
-
37 369
Employee
30 024
-
65 092
-
income
5 169
-
11 245
-
health
421
-
912
-
unemployment
300
-
651
-
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
-
4 555
-
total
7 991
-
17 363
-
Employer
30 024
-
65 092
-
unemployment
300
-
651
-
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
-
11 064
-
other
1 502
-
3 255
-
accident
240
-
521
-
health
421
-
912
-
total
7 568
-
16 403
-
Corporate
43 909
81 500
-
-
income
9 221
17 115
-
-
total
9 221
17 115
-
-
Dividends
34 689
64 385
-
-
withholding
2 428
4 507
-
-
total
2 428
4 507
-
-
Income
81 500
81 500
81 500
81 500
Total tax
27 208
21 622
33 766
37 369
After tax
54 292
59 878
47 734
44 131
Living cost
22 034
22 034
22 034
22 034
Free-cash
32 258
37 844
25 700
22 097

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
₽53267
₽50759
₽58863
₽55029
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
-
-
-
81 500
income
-
-
-
12 225
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
-
-
-
19 921
Employee
14 327
-
75 845
-
income
1 432
-
7 584
-
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
-
11 758
-
Employer
14 327
-
75 845
-
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
64 362
81 500
-
-
income
6 436
8 150
-
-
total
6 436
8 150
-
-
Dividends
57 925
73 350
-
-
withholding
2 896
3 667
-
-
total
2 896
3 667
-
-
Income
81 500
81 500
81 500
81 500
Total tax
15 651
11 817
17 413
19 921
After tax
65 849
69 683
64 087
61 579
Living cost
10 820
10 820
10 820
10 820
Free-cash
55 029
58 863
53 267
50 759

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
₽17830
₽18676
₽12785
₽17669
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
-
-
-
81 500
income
-
-
-
7 593
social contributions
-
-
-
2 322
health
-
-
-
1 442
surtax
-
-
-
-
pensions
-
-
-
20 646
other
-
-
-
2 530
total
-
-
-
34 533
Employee
35 390
-
62 105
-
income
2 089
-
7 191
-
social contributions
1 009
-
1 768
-
surtax
-
-
-
-
pensions
4 001
-
7 024
-
total
7 099
-
15 983
-
Employer
35 390
-
62 105
-
unemployment
1 433
-
2 515
-
social contributions
107
-
187
-
pensions
5 814
-
10 205
-
other
1 221
-
2 142
-
health
2 478
-
4 347
-
total
11 053
-
19 396
-
Corporate
35 058
81 500
-
-
income
9 817
22 819
-
-
surtax
-
-
-
-
total
9 817
22 819
-
-
Dividends
25 241
58 681
-
-
withholding
3 231
7 512
-
-
surtax
-
-
-
-
social contributions
4 340
10 093
-
-
total
7 571
17 605
-
-
Income
81 500
81 500
81 500
81 500
Total tax
35 540
40 424
35 379
34 533
After tax
45 960
41 076
46 121
46 967
Living cost
28 291
28 291
28 291
28 291
Free-cash
17 669
12 785
17 830
18 676

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
-₽612
₽11627
₽4030
-₽612
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
-
-
-
81 500
income
-
-
-
15 706
health
-
-
-
9 839
pensions
-
-
-
9 688
total
-
-
-
35 233
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
81 500
81 500
81 500
81 500
Total tax
47 472
42 830
47 472
35 233
After tax
34 028
38 670
34 028
46 267
Living cost
34 640
34 640
34 640
34 640
Free-cash
-612
4 030
-612
11 627

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
₽33123
₽26342
₽16165
₽25312
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.

-
-
-
81 500
income

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

-
-
-
16 761
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
-
-
-
6 781
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.

-
-
-
921
total
-
-
-
30 112
Employee

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

31 627
-
81 500
-
income

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

883
-
16 761
-
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
-
921
-
total
6 581
-
23 331
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
49 873
81 500
-
-
chamber of commerce
198
243
-
-
income
7 480
12 226
-
-
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.

411
673
-
-
trade
7 855
12 836
-
-
total
15 944
25 978
-
-
Dividends
33 928
55 522
-
-
withholding
8 168
13 566
-
-
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.

449
745
-
-
total
8 617
14 311
-
-
Income
81 500
81 500
81 500
81 500
Total tax
31 142
40 289
23 331
30 112
After tax
50 358
41 211
58 169
51 388
Living cost
25 046
25 046
25 046
25 046
Free-cash
25 312
16 165
33 123
26 342

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
₽38750
₽38834
₽40520
₽36019
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
-
-
-
81 500
income
-
-
-
8 729
social contributions
-
-
-
12 714
health
-
-
-
2 078
total
-
-
-
23 521
Employee
63 585
63 585
73 990
-
income
6 923
5 886
8 695
-
social contributions
2 404
5 277
6 142
-
health
493
1 081
1 258
-
total
9 820
12 244
16 095
-
Employer
63 585
63 585
73 990
-
social contributions
2 404
5 277
6 142
-
health
535
1 177
1 368
-
total
2 939
6 454
7 510
-
Corporate
49 596
11 461
-
-
income
6 200
1 433
-
-
total
6 200
1 433
-
-
Dividends
43 396
10 028
-
-
withholding
7 377
1 704
-
-
total
7 377
1 704
-
-
Income
81 500
81 500
81 500
81 500
Total tax
26 336
21 835
23 605
23 521
After tax
55 164
59 665
57 895
57 979
Living cost
19 145
19 145
19 145
19 145
Free-cash
36 019
40 520
38 750
38 834

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
₽15648
₽19697
₽20421
₽19588
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.

-
-
-
81 500
income
-
-
-
7 545
social contributions

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

-
-
-
28 321
surtax
-
-
-
-
total
-
-
-
35 866
Employee
38 031
-
65 858
-
income
7 911
-
17 028
-
social contributions
4 183
-
7 245
-
surtax
-
-
-
-
total
12 094
-
24 273
-
Employer
38 031
-
65 858
-
social contributions
9 032
-
15 642
-
total
9 032
-
15 642
-
Corporate
34 437
81 500
-
-
income
7 232
17 115
-
-
surtax
-
-
-
-
total
7 232
17 115
-
-
Dividends
27 204
64 385
-
-
withholding
7 617
18 027
-
-
total
7 617
18 027
-
-
Income
81 500
81 500
81 500
81 500
Total tax
35 975
35 142
39 915
35 866
After tax
45 525
46 358
41 585
45 634
Living cost
25 937
25 937
25 937
25 937
Free-cash
19 588
20 421
15 648
19 697

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
₽59014
₽74499
₽71239
₽70080
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%.

-
-
-
81 500
microenterprise

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

-
-
-
815
total
-
-
-
815
Employee
7 732
-
81 500
-
income
1 546
-
16 300
-
total
1 546
-
16 300
-
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%.

73 768
81 500
-
-
total
-
-
-
-
Dividends
73 768
81 500
-
-
withholding
3 688
4 075
-
-
total
3 688
4 075
-
-
Income
81 500
81 500
81 500
81 500
Total tax
5 234
4 075
16 300
815
After tax
76 266
77 425
65 200
80 685
Living cost
6 186
6 186
6 186
6 186
Free-cash
70 080
71 239
59 014
74 499

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
₽17703
₽20039
₽33934
₽27018
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.

-
-
-
81 500
income
-
-
-
16 256
health
-
-
-
8 020
unemployment
-
-
-
122
pensions
-
-
-
14 884
total
-
-
-
39 282
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
-
70 520
-
income
6 306
-
15 053
-
health
2 362
-
4 555
-
unemployment
52
-
99
-
pensions
5 668
-
10 931
-
total
14 388
-
30 638
-
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
-
70 520
-
unemployment
22
-
42
-
pensions
3 236
-
6 241
-
health
2 435
-
4 697
-
total
5 693
-
10 980
-
Corporate
39 241
81 500
-
-
income
7 455
15 485
-
-
total
7 455
15 485
-
-
Dividends
31 786
66 015
-
-
withholding
4 767
9 902
-
-
total
4 767
9 902
-
-
Income
81 500
81 500
81 500
81 500
Total tax
32 303
25 387
41 618
39 282
After tax
49 197
56 113
39 882
42 218
Living cost
22 179
22 179
22 179
22 179
Free-cash
27 018
33 934
17 703
20 039

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
₽29820
₽22514
₽18589
₽21969
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.

-
-
-
81 500
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
-
77 696
-
social contributions
3 801
-
3 804
-
income
4 116
-
14 055
-
total
7 917
-
17 859
-
Employer
37 933
-
77 696
-
social contributions
3 801
-
3 804
-
total
3 801
-
3 804
-
Corporate
39 766
81 500
-
-
income
13 919
28 525
-
-
total
13 919
28 525
-
-
Dividends
25 847
52 975
-
-
social contributions
3 877
4 369
-
-
total
3 877
4 369
-
-
Income
81 500
81 500
81 500
81 500
Total tax
29 514
32 894
21 663
28 969
After tax
51 986
48 606
59 837
52 531
Living cost
30 017
30 017
30 017
30 017
Free-cash
21 969
18 589
29 820
22 514

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
₽35010
₽34806
₽32188
₽32616
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
-
-
-
81 500
income
-
-
-
12 226
social contributions
-
-
-
11 246
health
-
-
-
5 688
total
-
-
-
29 160
Employee
28 037
-
81 500
-
income
4 676
-
12 022
-
social contributions
3 870
-
11 246
-
health
1 957
-
5 688
-
total
10 503
-
28 956
-
Employer
28 037
-
81 500
-
total
-
-
-
-
Corporate
53 463
81 500
-
-
income

The standard tax rate is 15%. However, small companies and agricultural companies can apply a reduced corporate income tax rate of 0% to the first year of operation when certain conditions are met; and 5% to revenues of less than €300,000 per year. We made calculations based on 5% and skipped 0%.

2 674
4 075
-
-
total
2 674
4 075
-
-
Dividends
50 789
77 425
-
-
withholding
7 618
11 614
-
-
health
3 545
5 404
-
-
social contributions
7 010
10 685
-
-
total
18 173
27 703
-
-
Income
81 500
81 500
81 500
81 500
Total tax
31 350
31 778
28 956
29 160
After tax
50 150
49 722
52 544
52 340
Living cost
17 534
17 534
17 534
17 534
Free-cash
32 616
32 188
35 010
34 806

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
₽18693
₽17029
₽33448
₽25360
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
-
-
-
81 500
income
-
-
-
7 005
social contributions
-
-
-
23 798
solidarity contribution
-
-
-
-
health
-
-
-
11 003
total
-
-
-
41 806
Employee
33 331
-
60 821
-
solidarity contribution
-
-
-
-
income
4 000
-
7 299
-
social contributions
2 167
-
3 953
-
health
4 500
-
8 211
-
total
10 667
-
19 463
-
Employer
33 331
-
60 821
-
social contributions
8 333
-
15 205
-
health
3 000
-
5 474
-
total
11 333
-
20 679
-
Corporate
36 836
81 500
-
-
income
6 999
15 485
-
-
total
6 999
15 485
-
-
Dividends
29 837
66 015
-
-
withholding
4 476
9 902
-
-
total
4 476
9 902
-
-
Income
81 500
81 500
81 500
81 500
Total tax
33 475
25 387
40 142
41 806
After tax
48 025
56 113
41 358
39 694
Living cost
22 665
22 665
22 665
22 665
Free-cash
25 360
33 448
18 693
17 029

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
₽55561
₽71046
₽67786
₽65979
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%.

-
-
-
81 500
microenterprise

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

-
-
-
815
total
-
-
-
815
Employee
12 049
-
81 500
-
income
2 410
-
16 300
-
total
2 410
-
16 300
-
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%.

69 451
81 500
-
-
total
-
-
-
-
Dividends
69 451
81 500
-
-
withholding
3 472
4 075
-
-
total
3 472
4 075
-
-
Income
81 500
81 500
81 500
81 500
Total tax
5 882
4 075
16 300
815
After tax
75 618
77 425
65 200
80 685
Living cost
9 639
9 639
9 639
9 639
Free-cash
65 979
67 786
55 561
71 046

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
₽6183
₽7029
₽1138
₽6821
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
-
-
-
81 500
income
-
-
-
7 593
social contributions
-
-
-
2 322
health
-
-
-
1 442
surtax
-
-
-
-
pensions
-
-
-
20 646
other
-
-
-
2 530
total
-
-
-
34 533
Employee
51 790
-
62 105
-
income
4 519
-
7 191
-
social contributions
1 475
-
1 768
-
surtax
-
-
-
-
pensions
5 858
-
7 024
-
total
11 852
-
15 983
-
Employer
51 790
-
62 105
-
unemployment
2 098
-
2 515
-
social contributions
155
-
187
-
pensions
8 510
-
10 205
-
other
1 787
-
2 142
-
health
3 625
-
4 347
-
total
16 175
-
19 396
-
Corporate
13 534
81 500
-
-
income
3 790
22 819
-
-
surtax
-
-
-
-
total
3 790
22 819
-
-
Dividends
9 745
58 681
-
-
withholding
1 248
7 512
-
-
surtax
-
-
-
-
social contributions
1 676
10 093
-
-
total
2 924
17 605
-
-
Income
81 500
81 500
81 500
81 500
Total tax
34 741
40 424
35 379
34 533
After tax
46 759
41 076
46 121
46 967
Living cost
39 938
39 938
39 938
39 938
Free-cash
6 821
1 138
6 183
7 029

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
₽28758
₽28758
₽44634
₽40579
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.

-
-
-
81 500
income
-
-
-
15 474
health
-
-
-
6 272
unemployment
-
-
-
913
pensions
-
-
-
15 833
total
-
-
-
38 492
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
-
70 600
-
income
2 962
-
15 474
-
health
1 107
-
3 136
-
unemployment
161
-
457
-
pensions
3 008
-
8 525
-
total
7 238
-
27 592
-
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
-
70 600
-
unemployment
161
-
457
-
pensions
2 579
-
7 307
-
health
1 107
-
3 136
-
total
3 847
-
10 900
-
Corporate
56 166
81 500
-
-
income
8 425
12 225
-
-
total
8 425
12 225
-
-
Dividends
47 741
69 275
-
-
withholding
7 161
10 391
-
-
total
7 161
10 391
-
-
Income
81 500
81 500
81 500
81 500
Total tax
26 671
22 616
38 492
38 492
After tax
54 829
58 884
43 008
43 008
Living cost
14 250
14 250
14 250
14 250
Free-cash
40 579
44 634
28 758
28 758

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
₽5859
₽9898
-₽20600
₽4161
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
-
-
-
81 500
regional
-
-
-
2 953
national
-
-
-
605
health
-
-
-
189
city
-
-
-
859
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.

-
-
-
1 630
pensions
-
-
-
7 498
total
-
-
-
13 734
Employee
67 720
-
72 947
-
regional
2 217
-
2 510
-
city
727
-
783
-
health
153
-
163
-
unemployment
-
-
-
-
national
321
-
438
-
pensions
5 689
-
6 128
-
total
9 107
-
10 022
-
Employer
67 720
-
72 947
-
unemployment
-
-
-
-
pensions
5 689
-
6 128
-
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
-
1 460
-
health
153
-
163
-
total
7 196
-
7 751
-
Corporate
5 839
81 500
-
-
regional
1 235
17 238
-
-
national
496
6 927
-
-
total
1 731
24 165
-
-
Dividends
4 107
57 335
-
-
withholding
1 437
20 067
-
-
total
1 437
20 067
-
-
Income
81 500
81 500
81 500
81 500
Total tax
19 471
44 232
17 773
13 734
After tax
62 029
37 268
63 727
67 766
Living cost
57 868
57 868
57 868
57 868
Free-cash
4 161
-20 600
5 859
9 898

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
₽14842
₽26259
₽22534
₽20612
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

-
-
-
81 500
municipal
-
-
-
14 506
national
-
-
-
8 078
health
-
-
-
910
total
-
-
-
23 494
Employee
43 505
-
68 562
-
health
325
-
711
-
unemployment
653
-
1 028
-
national
719
-
4 411
-
municipal
7 126
-
11 195
-
pensions
2 936
-
4 628
-
total
11 759
-
21 973
-
Employer
43 505
-
68 562
-
unemployment
282
-
446
-
pensions
7 548
-
11 896
-
accident
44
-
69
-
health
334
-
527
-
total
8 208
-
12 938
-
Corporate
29 787
81 500
-
-
income
5 957
16 299
-
-
total
5 957
16 299
-
-
Dividends

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

17 872
48 901
-
-
national
-
2 118
-
-
municipal
3 217
8 802
-
-
total
3 217
10 920
-
-
Income
81 500
81 500
81 500
81 500
Total tax
29 141
27 219
34 911
23 494
After tax
52 359
54 281
46 589
58 006
Living cost
31 747
31 747
31 747
31 747
Free-cash
20 612
22 534
14 842
26 259

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
₽1692
₽8274
₽15564
₽3163
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
-
-
-
81 500
national
-
-
-
26 295
social contributions
-
-
-
12 649
communal

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

-
-
-
4 132
total
-
-
-
43 076
Employee

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

59 149
-
63 125
-
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
-
2 967
-
communal

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

3 085
-
3 292
-
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
-
549
-
national
18 185
-
19 740
-
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
-
4 734
-
total
29 000
-
31 282
-
Employer

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

59 149
-
63 125
-
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
-
921
-
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
-
5 593
-
surtax
6 707
-
7 159
-
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
-
821
-
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
-
3 882
-
total
17 217
-
18 376
-
Corporate
5 134
81 500
-
-
income
1 026
16 299
-
-
surtax
20
326
-
-
total
1 046
16 625
-
-
Dividends
4 087
64 874
-
-
withholding

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

924
19 161
-
-
total
924
19 161
-
-
Income
81 500
81 500
81 500
81 500
Total tax
48 187
35 786
49 658
43 076
After tax
33 313
45 714
31 842
38 424
Living cost
30 150
30 150
30 150
30 150
Free-cash
3 163
15 564
1 692
8 274

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
₽9515
₽8035
₽10492
₽9728
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
-
-
-
81 500
municipal
-
-
-
17 865
national
-
-
-
-
health
-
-
-
4 651
accident
-
-
-
149
unemployment
-
-
-
75
pensions
-
-
-
8 057
other
-
-
-
8 661
total
-
-
-
39 458
Employee
48 457
-
62 015
-
national
-
-
-
-
municipal
14 450
-
18 493
-
total
14 450
-
18 493
-
Employer
48 457
-
62 015
-
unemployment
1 279
-
1 637
-
pensions
5 238
-
6 704
-
other
5 631
-
7 206
-
accident
97
-
124
-
health
2 980
-
3 814
-
total
15 225
-
19 485
-
Corporate
17 818
81 500
-
-
income
3 920
17 930
-
-
total
3 920
17 930
-
-
Dividends
13 898
63 570
-
-
withholding
4 170
19 071
-
-
total
4 170
19 071
-
-
Income
81 500
81 500
81 500
81 500
Total tax
37 765
37 001
37 978
39 458
After tax
43 735
44 499
43 522
42 042
Living cost
34 007
34 007
34 007
34 007
Free-cash
9 728
10 492
9 515
8 035

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
₽32307
₽18624
₽11886
-₽48773
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
-
-
-
81 500
income
-
-
-
15 886
social contributions
-
-
-
9 291
total
-
-
-
25 177
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
-
81 500
-
-
income
-
17 930
-
-
total
-
17 930
-
-
Dividends
-
63 570
-
-
income
-
13 985
-
-
total
-
13 985
-
-
Income
81 500
81 500
81 500
81 500
Total tax
92 574
31 915
11 494
25 177
After tax
-11 074
49 585
70 006
56 323
Living cost
37 699
37 699
37 699
37 699
Free-cash
-48 773
11 886
32 307
18 624

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
₽31075
₽31158
₽32845
₽29416
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
-
-
-
81 500
income
-
-
-
8 729
social contributions
-
-
-
12 714
health
-
-
-
2 078
total
-
-
-
23 521
Employee
63 585
63 585
73 990
-
income
6 677
5 886
8 695
-
social contributions
3 090
5 277
6 142
-
health
632
1 081
1 258
-
total
10 399
12 244
16 095
-
Employer
63 585
63 585
73 990
-
social contributions
3 090
5 277
6 142
-
health
689
1 177
1 368
-
total
3 779
6 454
7 510
-
Corporate
40 502
11 461
-
-
income
5 062
1 433
-
-
total
5 062
1 433
-
-
Dividends
35 440
10 028
-
-
withholding
6 024
1 704
-
-
total
6 024
1 704
-
-
Income
81 500
81 500
81 500
81 500
Total tax
25 264
21 835
23 605
23 521
After tax
56 236
59 665
57 895
57 979
Living cost
26 820
26 820
26 820
26 820
Free-cash
29 416
32 845
31 075
31 158

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
₽20820
₽28530
₽29792
₽26249
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
-
-
-
81 500
income
-
-
-
16 770
pensions
-
-
-
5 976
total
-
-
-
22 746
Employee
41 487
-
71 768
-
income
7 555
-
12 761
-
health
541
-
1 161
-
pensions
3 166
-
6 801
-
total
11 262
-
20 723
-
Employer
41 487
-
71 768
-
pensions
4 192
-
8 369
-
health
788
-
1 364
-
total
4 980
-
9 733
-
Corporate
35 033
81 500
-
-
income

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

6 656
15 485
-
-
total
6 656
15 485
-
-
Dividends
28 377
66 015
-
-
withholding
2 129
5 999
-
-
total
2 129
5 999
-
-
Income
81 500
81 500
81 500
81 500
Total tax
25 027
21 484
30 456
22 746
After tax
56 473
60 016
51 044
58 754
Living cost
30 224
30 224
30 224
30 224
Free-cash
26 249
29 792
20 820
28 530

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
₽4479
₽8205
₽9987
₽6225
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
-
-
-
81 500
municipal
-
-
-
545
regional
-
-
-
1 617
national
-
-
-
17 230
social contributions
-
-
-
20 961
total
-
-
-
40 353
Employee
69 680
-
81 500
-
regional
1 052
-
1 360
-
social contributions
23 496
-
27 481
-
national
11 775
-
14 752
-
municipal
416
-
486
-
total
36 739
-
44 079
-
Employer
69 680
-
81 500
-
total
-
-
-
-
Corporate
11 820
81 500
-
-
nationa
2 837
19 560
-
-
municipal
570
3 928
-
-
total
3 407
23 488
-
-
Dividends
8 413
58 012
-
-
withholding
2 187
15 083
-
-
total
2 187
15 083
-
-
Income
81 500
81 500
81 500
81 500
Total tax
42 333
38 571
44 079
40 353
After tax
39 167
42 929
37 421
41 147
Living cost
32 942
32 942
32 942
32 942
Free-cash
6 225
9 987
4 479
8 205

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
₽24975
₽38627
-₽10691
₽3951
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
-
-
-
81 500
income
-
-
-
20 106
health
-
-
-
1 714
accident
-
-
-
198
pensions
-
-
-
3 271
other
-
-
-
291
total
-
-
-
25 580
Employee
27 203
-
69 958
-
income
3 732
-
13 683
-
health
3 115
-
8 010
-
pensions
3 063
-
5 997
-
total
9 910
-
27 690
-
Employer
27 203
-
69 958
-
unemployment
666
-
1 714
-
pensions
4 423
-
8 660
-
accident
454
-
1 168
-
total
5 543
-
11 542
-
Corporate
48 753
81 500
-
-
income

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

43 877
73 350
-
-
total
43 877
73 350
-
-
Dividends
4 875
8 150
-
-
withholding
926
1 548
-
-
total
926
1 548
-
-
Income
81 500
81 500
81 500
81 500
Total tax
60 256
74 898
39 232
25 580
After tax
21 244
6 602
42 268
55 920
Living cost
17 293
17 293
17 293
17 293
Free-cash
3 951
-10 691
24 975
38 627

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
₽26245
₽20067
₽10125
₽20943
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.

-
-
-
81 500
income

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

-
-
-
16 761
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
-
-
-
6 178
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.

-
-
-
921
total
-
-
-
29 509
Employee

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

41 143
-
81 500
-
income

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

3 383
-
16 761
-
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
-
921
-
total
9 219
-
23 331
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
40 357
81 500
-
-
chamber of commerce
185
245
-
-
income
6 054
12 226
-
-
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.

333
673
-
-
trade
5 792
11 695
-
-
total
12 364
24 839
-
-
Dividends
27 993
56 661
-
-
withholding
6 683
13 851
-
-
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.

367
761
-
-
total
7 050
14 612
-
-
Income
81 500
81 500
81 500
81 500
Total tax
28 633
39 451
23 331
29 509
After tax
52 867
42 049
58 169
51 991
Living cost
31 924
31 924
31 924
31 924
Free-cash
20 943
10 125
26 245
20 067

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
₽28747
₽26318
₽47998
₽41215
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.

-
-
-
81 500
microenterprise
-
-
-
-
income
-
-
-
11 777
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.

-
-
-
26 202
surtax
-
-
-
-
total
-
-
-
37 979
Employee
24 162
-
65 678
-
income
4 301
-
12 503
-
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
-
7 225
-
surtax
-
-
-
-
total
6 959
-
19 728
-
Employer
24 162
-
65 678
-
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
-
15 822
-
surtax
-
-
-
-
total
5 820
-
15 822
-
Corporate
51 517
81 500
-
-
income

Corporate income tax rate is 20% applicable to the taxable base. However, before applying the statutory rate, the taxable base should be divided by a coefficient of 0.8. As taxable base is increased by the coefficient, the effective corporate income tax rate is 25%.

10 303
16 299
-
-
total
10 303
16 299
-
-
Dividends

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

41 214
65 201
-
-
total
-
-
-
-
Income
81 500
81 500
81 500
81 500
Total tax
23 082
16 299
35 550
37 979
After tax
58 418
65 201
45 950
43 521
Living cost
17 203
17 203
17 203
17 203
Free-cash
41 215
47 998
28 747
26 318

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
₽35265
₽36025
₽40177
₽38423
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
-
-
-
81 500
income
-
-
-
21 360
health
-
-
-
5 647
pensions
-
-
-
7 789
total
-
-
-
34 796
Employee
16 264
-
72 737
-
income
3 146
-
20 951
-
health
813
-
1 947
-
unemployment
163
-
390
-
pensions
1 464
-
3 505
-
total
5 586
-
26 793
-
Employer
16 264
-
72 737
-
unemployment
325
-
779
-
pensions
1 789
-
4 284
-
health
1 545
-
3 700
-
total
3 659
-
8 763
-
Corporate
61 576
81 500
-
-
income
13 547
17 930
-
-
total
13 547
17 930
-
-
Dividends
48 029
63 570
-
-
withholding
9 606
12 714
-
-
total
9 606
12 714
-
-
Income
81 500
81 500
81 500
81 500
Total tax
32 398
30 644
35 556
34 796
After tax
49 102
50 856
45 944
46 704
Living cost
10 679
10 679
10 679
10 679
Free-cash
38 423
40 177
35 265
36 025

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
₽21901
₽23480
₽32691
₽30061
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
-
-
-
81 500
income
-
-
-
15 323
health
-
-
-
5 787
unemployment
-
-
-
188
surtax
-
-
-
1 850
pensions
-
-
-
16 299
other
-
-
-
-
total
-
-
-
39 447
Employee
27 847
-
67 329
-
other
-
-
-
-
income
4 668
-
14 291
-
health
711
-
1 717
-
unemployment
1 938
-
4 686
-
surtax
99
-
1 670
-
pensions
1 858
-
4 491
-
total
9 274
-
26 855
-
Employer
27 847
-
67 329
-
unemployment
883
-
2 134
-
pensions
3 713
-
8 974
-
other
-
-
-
-
health
1 266
-
3 063
-
total
5 862
-
14 171
-
Corporate
47 790
81 500
-
-
income
12 425
21 190
-
-
total
12 425
21 190
-
-
Dividends
35 365
60 310
-
-
withholding
5 305
9 046
-
-
total
5 305
9 046
-
-
Income
81 500
81 500
81 500
81 500
Total tax
32 866
30 236
41 026
39 447
After tax
48 634
51 264
40 474
42 053
Living cost
18 573
18 573
18 573
18 573
Free-cash
30 061
32 691
21 901
23 480

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
-₽1474
₽15147
₽19414
₽19006
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
-
-
-
81 500
income
-
-
-
13 263
chamber of commerce
-
-
-
326
health
-
-