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
₽ 82000
per

Your estimated
City
free-cash

Valencia , Spain
₽28742
₽21031
₽21823
₽32988
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
-
-
-
82 000
unemployment
-
-
-
525
income
-
-
-
15 410
other
-
-
-
75
accident
-
-
-
676
pensions
-
-
-
21 232
total
-
-
-
37 918
Employee
29 931
-
62 178
-
unemployment
464
-
963
-
pensions
1 407
-
2 922
-
income
5 770
-
14 943
-
other
29
-
61
-
total
7 670
-
18 889
-
Employer
29 931
-
62 178
-
pensions
7 063
-
14 674
-
accident
593
-
1 230
-
unemployment
1 647
-
3 419
-
other
240
-
498
-
total
9 543
-
19 821
-
Corporate
42 527
82 000
-
-
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.

6 379
12 300
-
-
total
6 379
12 300
-
-
Dividends
36 147
69 700
-
-
withholding
7 407
14 453
-
-
total
7 407
14 453
-
-
Income
82 000
82 000
82 000
82 000
Total tax
30 999
26 753
38 710
37 918
After tax
51 001
55 247
43 290
44 082
Living cost
22 259
22 259
22 259
22 259
Free-cash
28 742
32 988
21 031
21 823

Estimated living cost  is ₽22259 per week

₽15025
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2140
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽390
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4705
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Bratislava , Slovakia
₽33210
₽26362
₽22831
₽38676
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
-
-
-
82 000
pensions

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

-
-
-
19 681
income
-
-
-
10 415
other
-
-
-
3 896
health
-
-
-
3 608
total
-
-
-
37 600
Employee
29 391
-
65 496
-
health
412
-
917
-
unemployment
293
-
654
-
pensions

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

2 057
-
4 584
-
income
5 060
-
11 410
-
total
7 822
-
17 565
-
Employer
29 391
-
65 496
-
health
412
-
917
-
pensions

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

4 997
-
11 134
-
accident
235
-
524
-
unemployment
293
-
654
-
other
1 470
-
3 275
-
total
7 407
-
16 504
-
Corporate
45 202
82 000
-
-
income
9 493
17 220
-
-
total
9 493
17 220
-
-
Dividends
35 709
64 780
-
-
withholding
2 499
4 535
-
-
total
2 499
4 535
-
-
Income
82 000
82 000
82 000
82 000
Total tax
27 221
21 755
34 069
37 600
After tax
54 779
60 245
47 931
44 400
Living cost
21 569
21 569
21 569
21 569
Free-cash
33 210
38 676
26 362
22 831

Estimated living cost  is ₽21569 per week

₽15240
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1456
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽347
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4525
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Varna , Bulgaria
₽55720
₽54080
₽51518
₽59485
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
-
-
-
82 000
pensions

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

-
-
-
4 189
unemployment
-
-
-
113
income
-
-
-
12 300
health
-
-
-
3 255
total
-
-
-
19 857
Employee
14 069
-
76 446
-
health
647
-
1 302
-
accident

We are using the highest rate at 1.1%.

155
-
311
-
pensions

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

1 235
-
2 485
-
income
1 407
-
7 644
-
total
3 444
-
11 742
-
Employer
14 069
-
76 446
-
health
971
-
1 953
-
pensions

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

1 551
-
3 119
-
accident

We are using the highest rate at 1.1%.

155
-
311
-
unemployment
84
-
170
-
total
2 761
-
5 553
-
Corporate
65 170
82 000
-
-
income
6 517
8 200
-
-
total
6 517
8 200
-
-
Dividends
58 653
73 800
-
-
withholding
2 933
3 690
-
-
total
2 933
3 690
-
-
Income
82 000
82 000
82 000
82 000
Total tax
15 655
11 890
17 295
19 857
After tax
66 345
70 110
64 705
62 143
Living cost
10 625
10 625
10 625
10 625
Free-cash
55 720
59 485
54 080
51 518

Estimated living cost  is ₽10625 per week

₽6203
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽759
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽281
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3382
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Nice , France
₽18414
₽23941
₽19493
₽13632
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
-
-
-
82 000
income
-
-
-
7 958
other
-
-
-
2 545
health
-
-
-
1 576
social contributions
-
-
-
2 336
pensions
-
-
-
20 397
surtax
-
-
-
-
total
-
-
-
34 812
Employee
34 644
-
66 542
-
pensions
3 917
-
3 178
-
income
2 045
-
9 832
-
social contributions
988
-
1 896
-
surtax
-
-
-
-
total
6 950
-
14 906
-
Employer
34 644
-
66 542
-
health
2 426
-
4 657
-
social contributions
104
-
200
-
pensions
5 691
-
5 612
-
unemployment
1 402
-
2 694
-
other
1 195
-
2 295
-
total
10 818
-
15 458
-
Corporate
36 537
82 000
-
-
income
10 231
22 960
-
-
surtax
-
-
-
-
total
10 231
22 960
-
-
Dividends
26 307
59 040
-
-
social contributions
4 525
10 155
-
-
surtax
-
-
-
-
withholding
3 367
7 558
-
-
total
7 892
17 713
-
-
Income
82 000
82 000
82 000
82 000
Total tax
35 891
40 673
30 364
34 812
After tax
46 109
41 327
51 636
47 188
Living cost
27 695
27 695
27 695
27 695
Free-cash
18 414
13 632
23 941
19 493

Estimated living cost  is ₽27695 per week

₽17463
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2252
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽472
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7510
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Rotterdam , Netherlands
₽824
₽6010
₽12628
₽5784
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
-
-
-
82 000
pensions
-
-
-
9 484
income
-
-
-
16 219
health
-
-
-
9 759
total
-
-
-
35 462
Employee
69 125
69 125
69 782
-
health
10 610
9 025
9 062
-
pensions
12 443
9 484
9 484
-
income

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

11 315
11 315
11 315
-
total
34 368
29 824
29 861
-
Employer
69 125
69 125
69 782
-
health
4 805
4 805
4 850
-
pensions
4 811
4 811
4 857
-
unemployment
2 489
2 489
2 512
-
total
12 105
12 105
12 219
-
Corporate
1 618
770
-
-
income
324
154
-
-
total
324
154
-
-
Dividends
1 294
617
-
-
income
275
131
-
-
withholding
194
92
-
-
total
469
223
-
-
Income
82 000
82 000
82 000
82 000
Total tax
47 266
42 306
42 080
35 462
After tax
34 734
39 694
39 920
46 538
Living cost
33 910
33 910
33 910
33 910
Free-cash
824
5 784
6 010
12 628

Estimated living cost  is ₽33910 per week

₽24031
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3057
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽539
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6283
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Dresden , Germany
₽25891
₽33731
₽26743
₽16939
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.

-
-
-
82 000
trade
-
-
-
6 988
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.

-
-
-
17 272
health

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

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

-
-
-
5 530
surtax

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

-
-
-
949
total
-
-
-
30 739
Employee

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

30 961
-
82 000
-
health

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

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

5 530
-
5 530
-
income

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

865
-
17 272
-
surtax

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

48
-
949
-
total
6 443
-
23 751
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
51 039
82 000
-
-
income
7 656
12 300
-
-
trade
8 038
12 916
-
-
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.

421
676
-
-
chamber of commerce
197
241
-
-
total
16 312
26 133
-
-
Dividends
34 727
55 868
-
-
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.

461
751
-
-
withholding
8 375
13 659
-
-
total
8 836
14 410
-
-
Income
82 000
82 000
82 000
82 000
Total tax
31 591
40 543
23 751
30 739
After tax
50 409
41 457
58 249
51 261
Living cost
24 518
24 518
24 518
24 518
Free-cash
25 891
16 939
33 731
26 743

Estimated living cost  is ₽24518 per week

₽15423
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2859
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽458
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5779
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Nationals of Europe, Australia, Canada, Israel, Japan, the Republic of Korea, New Zealand and the USA do not require an entry type D visa (not to confuse with a Schengen visa or a visa-free entry). For other nationals, waiting time is around 6-9 months which includes document preparation and processing.

Larnaca , Cyprus
₽36872
₽39204
₽39284
₽41278
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
-
-
-
82 000
income
-
-
-
9 091
health
-
-
-
2 091
social contributions
-
-
-
12 793
total
-
-
-
23 975
Employee
62 244
62 244
74 444
-
health
482
1 058
1 266
-
income
6 777
5 762
9 055
-
social contributions
2 353
5 166
6 178
-
total
9 612
11 986
16 499
-
Employer
62 244
62 244
74 444
-
health
524
1 152
1 378
-
social contributions
2 353
5 166
6 178
-
total
2 877
6 318
7 556
-
Corporate
50 768
13 438
-
-
income
6 346
1 679
-
-
total
6 346
1 679
-
-
Dividends
44 423
11 759
-
-
withholding
7 552
1 998
-
-
total
7 552
1 998
-
-
Income
82 000
82 000
82 000
82 000
Total tax
26 387
21 981
24 055
23 975
After tax
55 613
60 019
57 945
58 025
Living cost
18 741
18 741
18 741
18 741
Free-cash
36 872
41 278
39 204
39 284

Estimated living cost  is ₽18741 per week

₽11232
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1839
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽415
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5257
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Lisbon , Portugal
₽20436
₽16196
₽20416
₽21252
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.

-
-
-
82 000
income
-
-
-
7 699
social contributions

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

-
-
-
28 495
surtax
-
-
-
-
total
-
-
-
36 194
Employee
37 229
-
66 263
-
income
7 744
-
17 388
-
social contributions
4 095
-
7 289
-
surtax
-
-
-
-
total
11 839
-
24 677
-
Employer
37 229
-
66 263
-
social contributions
8 842
-
15 737
-
total
8 842
-
15 737
-
Corporate
35 929
82 000
-
-
income
7 545
17 220
-
-
surtax
-
-
-
-
total
7 545
17 220
-
-
Dividends
28 384
64 780
-
-
withholding
7 948
18 138
-
-
total
7 948
18 138
-
-
Income
82 000
82 000
82 000
82 000
Total tax
36 174
35 358
40 414
36 194
After tax
45 826
46 642
41 586
45 806
Living cost
25 390
25 390
25 390
25 390
Free-cash
20 436
21 252
16 196
20 416

Estimated living cost  is ₽25390 per week

₽18997
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1498
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽424
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4472
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Batumi , Georgia
₽70719
₽59553
₽75133
₽71853
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%.

-
-
-
82 000
microenterprise

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

-
-
-
820
total
-
-
-
820
Employee
7 559
-
82 000
-
income
1 512
-
16 400
-
total
1 512
-
16 400
-
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%.

74 441
82 000
-
-
total
-
-
-
-
Dividends
74 441
82 000
-
-
withholding
3 722
4 100
-
-
total
3 722
4 100
-
-
Income
82 000
82 000
82 000
82 000
Total tax
5 234
4 100
16 400
820
After tax
76 766
77 900
65 600
81 180
Living cost
6 047
6 047
6 047
6 047
Free-cash
70 719
71 853
59 553
75 133

Estimated living cost  is ₽6047 per week

₽3748
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽503
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽166
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽1631
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Social security system in Georgia is financed from the government taxes which are part of our internal model. Separate pension and medical insurance contributions are not compulsory. It is advisable to purchase health insurance privately as in an event of medical emergency the treatment is likely to get costly.

Ljubljana , Slovenia
₽27973
₽18315
₽20666
₽34746
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.

-
-
-
82 000
pensions
-
-
-
14 976
unemployment
-
-
-
123
income
-
-
-
16 454
health
-
-
-
8 069
total
-
-
-
39 622
Employee

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

35 795
-
70 952
-
health
2 312
-
4 584
-
unemployment
51
-
100
-
pensions
5 548
-
10 997
-
income
6 173
-
15 244
-
total
14 084
-
30 925
-
Employer

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

35 795
-
70 952
-
health
2 384
-
4 725
-
pensions
3 167
-
6 280
-
unemployment
22
-
43
-
total
5 573
-
11 048
-
Corporate
40 632
82 000
-
-
income
7 721
15 579
-
-
total
7 721
15 579
-
-
Dividends
32 912
66 421
-
-
withholding
4 937
9 963
-
-
total
4 937
9 963
-
-
Income
82 000
82 000
82 000
82 000
Total tax
32 315
25 542
41 973
39 622
After tax
49 685
56 458
40 027
42 378
Living cost
21 712
21 712
21 712
21 712
Free-cash
27 973
34 746
18 315
20 666

Estimated living cost  is ₽21712 per week

₽14900
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1392
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽421
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5000
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Sliema , Malta
₽22734
₽30854
₽24450
₽19638
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.

-
-
-
82 000
income
-
-
-
23 042
health

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

-
-
-
5 124
total
-
-
-
28 166
Employee
37 134
-
78 276
-
social contributions
3 720
-
3 724
-
income
4 029
-
14 314
-
total
7 749
-
18 038
-
Employer
37 134
-
78 276
-
social contributions
3 720
-
3 724
-
total
3 720
-
3 724
-
Corporate
41 146
82 000
-
-
income
14 401
28 701
-
-
total
14 401
28 701
-
-
Dividends
26 745
53 299
-
-
social contributions
4 012
4 277
-
-
total
4 012
4 277
-
-
Income
82 000
82 000
82 000
82 000
Total tax
29 882
32 978
21 762
28 166
After tax
52 118
49 022
60 238
53 834
Living cost
29 384
29 384
29 384
29 384
Free-cash
22 734
19 638
30 854
24 450

Estimated living cost  is ₽29384 per week

₽19355
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2316
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽450
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7261
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Vilnius , Lithuania
₽33282
₽35584
₽35495
₽32863
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
-
-
-
82 000
income
-
-
-
12 300
health
-
-
-
5 724
social contributions
-
-
-
11 317
total
-
-
-
29 341
Employee
27 446
-
82 000
-
health
1 916
-
5 724
-
income
4 578
-
12 211
-
social contributions
3 788
-
11 317
-
total
10 282
-
29 252
-
Employer
27 446
-
82 000
-
total
-
-
-
-
Corporate
54 554
82 000
-
-
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%.

2 728
4 100
-
-
total
2 728
4 100
-
-
Dividends
51 826
77 900
-
-
social contributions
7 152
10 750
-
-
withholding
7 774
11 685
-
-
health
3 618
5 438
-
-
total
18 544
27 873
-
-
Income
82 000
82 000
82 000
82 000
Total tax
31 554
31 973
29 252
29 341
After tax
50 446
50 027
52 748
52 659
Living cost
17 164
17 164
17 164
17 164
Free-cash
33 282
32 863
35 584
35 495

Estimated living cost  is ₽17164 per week

₽11487
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1058
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽395
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4223
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Prague , Czech Republic
₽25771
₽18994
₽17320
₽33839
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
-
-
-
82 000
income
-
-
-
7 048
health
-
-
-
11 070
social contributions
-
-
-
23 944
solidarity contribution
-
-
-
-
total
-
-
-
42 062
Employee
33 261
-
61 194
-
health
4 490
-
8 261
-
solidarity contribution
-
-
-
-
income
3 991
-
7 343
-
social contributions
2 162
-
3 978
-
total
10 643
-
19 582
-
Employer
33 261
-
61 194
-
health
2 993
-
5 507
-
social contributions
8 315
-
15 299
-
total
11 308
-
20 806
-
Corporate
37 430
82 000
-
-
income
7 112
15 580
-
-
total
7 112
15 580
-
-
Dividends
30 318
66 420
-
-
withholding
4 548
9 963
-
-
total
4 548
9 963
-
-
Income
82 000
82 000
82 000
82 000
Total tax
33 611
25 543
40 388
42 062
After tax
48 389
56 457
41 612
39 938
Living cost
22 618
22 618
22 618
22 618
Free-cash
25 771
33 839
18 994
17 320

Estimated living cost  is ₽22618 per week

₽16820
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1253
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽391
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4153
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Tbilisi , Georgia
₽66710
₽56177
₽71757
₽68477
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%.

-
-
-
82 000
microenterprise

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

-
-
-
820
total
-
-
-
820
Employee
11 779
-
82 000
-
income
2 356
-
16 400
-
total
2 356
-
16 400
-
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%.

70 221
82 000
-
-
total
-
-
-
-
Dividends
70 221
82 000
-
-
withholding
3 511
4 100
-
-
total
3 511
4 100
-
-
Income
82 000
82 000
82 000
82 000
Total tax
5 867
4 100
16 400
820
After tax
76 133
77 900
65 600
81 180
Living cost
9 423
9 423
9 423
9 423
Free-cash
66 710
68 477
56 177
71 757

Estimated living cost  is ₽9423 per week

₽6377
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽396
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽316
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2335
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Social security system in Georgia is financed from the government taxes which are part of our internal model. Separate pension and medical insurance contributions are not compulsory. It is advisable to purchase health insurance privately as in an event of medical emergency the treatment is likely to get costly.

Paris , France
₽7796
₽12540
₽8092
₽2231
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
-
-
-
82 000
income
-
-
-
7 958
other
-
-
-
2 545
health
-
-
-
1 576
social contributions
-
-
-
2 336
pensions
-
-
-
20 397
surtax
-
-
-
-
total
-
-
-
34 812
Employee
50 698
-
66 542
-
pensions
5 734
-
3 178
-
income
4 424
-
9 832
-
social contributions
1 444
-
1 896
-
surtax
-
-
-
-
total
11 602
-
14 906
-
Employer
50 698
-
66 542
-
health
3 548
-
4 657
-
social contributions
152
-
200
-
pensions
8 330
-
5 612
-
unemployment
2 054
-
2 694
-
other
1 750
-
2 295
-
total
15 834
-
15 458
-
Corporate
15 467
82 000
-
-
income
4 330
22 960
-
-
surtax
-
-
-
-
total
4 330
22 960
-
-
Dividends
11 137
59 040
-
-
social contributions
1 916
10 155
-
-
surtax
-
-
-
-
withholding
1 426
7 558
-
-
total
3 342
17 713
-
-
Income
82 000
82 000
82 000
82 000
Total tax
35 108
40 673
30 364
34 812
After tax
46 892
41 327
51 636
47 188
Living cost
39 096
39 096
39 096
39 096
Free-cash
7 796
2 231
12 540
8 092

Estimated living cost  is ₽39096 per week

₽26460
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3198
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽536
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8902
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Belgrade , Serbia
₽41330
₽29596
₽29596
₽45297
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.

-
-
-
82 000
pensions
-
-
-
15 497
unemployment
-
-
-
894
income
-
-
-
15 926
health
-
-
-
6 139
total
-
-
-
38 456
Employee

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

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

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

21 032
-
71 331
-
health
1 083
-
3 070
-
unemployment
158
-
447
-
pensions
2 944
-
8 344
-
income
2 899
-
15 926
-
total
7 084
-
27 787
-
Employer

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

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

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

21 032
-
71 331
-
health
1 083
-
3 070
-
pensions
2 524
-
7 152
-
unemployment
158
-
447
-
total
3 765
-
10 669
-
Corporate
57 203
82 000
-
-
income
8 580
12 300
-
-
total
8 580
12 300
-
-
Dividends
48 623
69 700
-
-
withholding
7 293
10 455
-
-
total
7 293
10 455
-
-
Income
82 000
82 000
82 000
82 000
Total tax
26 722
22 755
38 456
38 456
After tax
55 278
59 245
43 544
43 544
Living cost
13 948
13 948
13 948
13 948
Free-cash
41 330
45 297
29 596
29 596

Estimated living cost  is ₽13948 per week

₽9391
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1079
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽404
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3074
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Zurich , Switzerland
₽5258
₽7658
₽11730
-₽18852
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
-
-
-
82 000
pensions
-
-
-
7 543
city
-
-
-
864
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.

-
-
-
1 640
health
-
-
-
184
regional
-
-
-
3 039
national
-
-
-
651
total
-
-
-
13 921
Employee
65 943
-
73 395
-
health
149
-
165
-
unemployment
-
-
-
-
city
708
-
789
-
pensions
5 540
-
6 165
-
regional
2 159
-
2 593
-
national
312
-
483
-
total
8 868
-
10 195
-
Employer
65 943
-
73 395
-
health
149
-
165
-
pensions
5 540
-
6 165
-
unemployment
-
-
-
-
other

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

1 318
-
1 468
-
total
7 007
-
7 798
-
Corporate
8 325
82 000
-
-
regional
1 761
17 342
-
-
national
708
6 970
-
-
total
2 469
24 312
-
-
Dividends
5 856
57 688
-
-
withholding
2 049
20 191
-
-
total
2 049
20 191
-
-
Income
82 000
82 000
82 000
82 000
Total tax
20 393
44 503
17 993
13 921
After tax
61 607
37 497
64 007
68 079
Living cost
56 349
56 349
56 349
56 349
Free-cash
5 258
-18 852
7 658
11 730

Estimated living cost  is ₽56349 per week

₽36643
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5057
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽692
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽13957
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details

Additional information

It is extremely rare that a Third Country National (non-EU/EFTA/Swiss and without a long-term EU resident permit) is given a residence permit based on self-employment.

Helsinki , Finland
₽21712
₽15620
₽27033
₽23363
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

-
-
-
82 000
municipal
-
-
-
14 593
health
-
-
-
925
national
-
-
-
8 371
total
-
-
-
23 889
Employee
42 588
-
68 983
-
health
318
-
725
-
unemployment
639
-
1 035
-
pensions
2 874
-
4 656
-
national
704
-
4 608
-
municipal
6 975
-
11 261
-
total
11 510
-
22 285
-
Employer
42 588
-
68 983
-
health
327
-
531
-
pensions
7 389
-
11 968
-
accident
43
-
69
-
unemployment
277
-
449
-
total
8 036
-
13 017
-
Corporate
31 377
82 000
-
-
income
6 275
16 400
-
-
total
6 275
16 400
-
-
Dividends

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

18 826
49 200
-
-
municipal
3 389
8 856
-
-
national
-
2 303
-
-
total
3 389
11 159
-
-
Income
82 000
82 000
82 000
82 000
Total tax
29 210
27 559
35 302
23 889
After tax
52 790
54 441
46 698
58 111
Living cost
31 078
31 078
31 078
31 078
Free-cash
21 712
23 363
15 620
27 033

Estimated living cost  is ₽31078 per week

₽20300
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2989
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽495
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7295
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Finland permits registration as a sole-trader only for EU nationals or long-term EU resident permit holders. Other nationals should set up a company and hire themselves as an employee.

Brussels , Belgium
₽4330
₽2389
₽8871
₽16471
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
-
-
-
82 000
communal

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

-
-
-
4 149
social contributions
-
-
-
12 850
national
-
-
-
26 616
total
-
-
-
43 615
Employee

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

57 902
-
63 513
-
health

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

2 720
-
2 985
-
communal

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

3 020
-
3 313
-
unemployment

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

504
-
553
-
pensions

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

4 343
-
4 763
-
national
17 801
-
19 996
-
total
28 388
-
31 610
-
Employer

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

57 902
-
63 513
-
health

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

3 561
-
3 906
-
pensions

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

5 131
-
5 627
-
surtax
6 565
-
7 201
-
accident

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

753
-
825
-
unemployment

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

845
-
928
-
total
16 855
-
18 487
-
Corporate
7 244
82 000
-
-
income
1 449
16 400
-
-
surtax
29
329
-
-
total
1 478
16 729
-
-
Dividends
5 766
65 272
-
-
withholding

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

1 435
19 286
-
-
total
1 435
19 286
-
-
Income
82 000
82 000
82 000
82 000
Total tax
48 156
36 015
50 097
43 615
After tax
33 844
45 985
31 903
38 385
Living cost
29 514
29 514
29 514
29 514
Free-cash
4 330
16 471
2 389
8 871

Estimated living cost  is ₽29514 per week

₽19011
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2581
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽462
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7461
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Stockholm , Sweden
₽9080
₽8883
₽7086
₽9864
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
-
-
-
82 000
unemployment
-
-
-
77
municipal
-
-
-
17 843
other
-
-
-
8 890
health
-
-
-
4 774
national
-
-
-
-
accident
-
-
-
153
pensions
-
-
-
8 270
total
-
-
-
40 007
Employee
49 740
-
62 395
-
national
-
-
-
-
municipal
14 832
-
18 606
-
total
14 832
-
18 606
-
Employer
49 740
-
62 395
-
health
3 059
-
3 837
-
pensions
5 377
-
6 745
-
accident
100
-
125
-
unemployment
1 313
-
1 647
-
other
5 780
-
7 250
-
total
15 629
-
19 604
-
Corporate
16 632
82 000
-
-
income
3 659
18 040
-
-
total
3 659
18 040
-
-
Dividends
12 973
63 960
-
-
withholding
3 892
19 188
-
-
total
3 892
19 188
-
-
Income
82 000
82 000
82 000
82 000
Total tax
38 012
37 228
38 210
40 007
After tax
43 988
44 772
43 790
41 993
Living cost
34 908
34 908
34 908
34 908
Free-cash
9 080
9 864
8 883
7 086

Estimated living cost  is ₽34908 per week

₽23135
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3425
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽530
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7817
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Oslo , Norway
-₽50587
₽31933
₽18300
₽11520
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
-
-
-
82 000
income
-
-
-
15 983
social contributions
-
-
-
9 348
total
-
-
-
25 331
Employee
55 015
-
-
-
income
12 135
-
-
-
social contributions
4 511
-
643
-
total
16 646
-
643
-
Employer
55 015
-
-
-
social contributions
77 572
-
11 055
-
total
77 572
-
11 055
-
Corporate
-
82 000
-
-
income
-
18 040
-
-
total
-
18 040
-
-
Dividends
-
63 960
-
-
income
-
14 071
-
-
total
-
14 071
-
-
Income
82 000
82 000
82 000
82 000
Total tax
94 218
32 111
11 698
25 331
After tax
-12 218
49 889
70 302
56 669
Living cost
38 369
38 369
38 369
38 369
Free-cash
-50 587
11 520
31 933
18 300

Estimated living cost  is ₽38369 per week

₽24895
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3609
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽489
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9376
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Limassol , Cyprus
₽30405
₽31690
₽31770
₽33764
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
-
-
-
82 000
income
-
-
-
9 091
health
-
-
-
2 091
social contributions
-
-
-
12 793
total
-
-
-
23 975
Employee
62 244
62 244
74 444
-
health
619
1 058
1 266
-
income
6 536
5 762
9 055
-
social contributions
3 025
5 166
6 178
-
total
10 180
11 986
16 499
-
Employer
62 244
62 244
74 444
-
health
674
1 152
1 378
-
social contributions
3 025
5 166
6 178
-
total
3 699
6 318
7 556
-
Corporate
41 866
13 438
-
-
income
5 234
1 679
-
-
total
5 234
1 679
-
-
Dividends
36 633
11 759
-
-
withholding
6 227
1 998
-
-
total
6 227
1 998
-
-
Income
82 000
82 000
82 000
82 000
Total tax
25 340
21 981
24 055
23 975
After tax
56 660
60 019
57 945
58 025
Living cost
26 255
26 255
26 255
26 255
Free-cash
30 405
33 764
31 690
31 770

Estimated living cost  is ₽26255 per week

₽17948
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2051
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽441
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5816
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Edinburgh , United Kingdom
₽28108
₽22296
₽29590
₽30697
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
-
-
-
82 000
income
-
-
-
17 572
pensions
-
-
-
5 904
total
-
-
-
23 476
Employee
39 716
-
72 143
-
health
518
-
1 182
-
pensions
3 031
-
6 922
-
income
7 233
-
12 808
-
total
10 782
-
20 912
-
Employer
39 716
-
72 143
-
health
755
-
1 371
-
pensions
4 013
-
8 487
-
total
4 768
-
9 858
-
Corporate
37 516
82 000
-
-
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.

7 128
15 580
-
-
total
7 128
15 580
-
-
Dividends
30 388
66 420
-
-
withholding
2 280
6 789
-
-
total
2 280
6 789
-
-
Income
82 000
82 000
82 000
82 000
Total tax
24 958
22 369
30 770
23 476
After tax
57 042
59 631
51 230
58 524
Living cost
28 934
28 934
28 934
28 934
Free-cash
28 108
30 697
22 296
29 590

Estimated living cost  is ₽28934 per week

₽19849
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2661
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽362
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6061
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details

Additional information

The only visa which will gain you entry to the UK as a freelancer is Tier 1 (with an exception of EU nationals or long-term UK residence permit holders, up until Brexit). There are two Tier 1 visa pathways.

You can either apply for an Entrepreneur visa which requires an investment of at least £200000 and creating two full time jobs, or choose an Exceptional Talent visa, which has no financial requirements but is more difficult to obtain.

Rome , Italy
₽7264
₽5226
₽8974
₽10945
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
-
-
-
82 000
municipal
-
-
-
548
regional
-
-
-
1 647
social contributions
-
-
-
21 091
national
-
-
-
17 493
total
-
-
-
40 779
Employee
68 211
-
82 000
-
social contributions
23 000
-
27 650
-
regional
1 030
-
1 389
-
national
11 527
-
15 000
-
municipal
407
-
488
-
total
35 964
-
44 527
-
Employer
68 211
-
82 000
-
total
-
-
-
-
Corporate
13 789
82 000
-
-
nationa
3 309
19 681
-
-
municipal
665
3 952
-
-
total
3 974
23 633
-
-
Dividends
9 815
58 367
-
-
withholding
2 551
15 175
-
-
total
2 551
15 175
-
-
Income
82 000
82 000
82 000
82 000
Total tax
42 489
38 808
44 527
40 779
After tax
39 511
43 192
37 473
41 221
Living cost
32 247
32 247
32 247
32 247
Free-cash
7 264
10 945
5 226
8 974

Estimated living cost  is ₽32247 per week

₽22652
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2218
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽487
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6889
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Gdansk , Poland
₽4014
₽25460
₽39113
-₽10499
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
-
-
-
82 000
pensions
-
-
-
3 242
income
-
-
-
20 319
other
-
-
-
289
health
-
-
-
1 699
accident
-
-
-
197
total
-
-
-
25 746
Employee
26 964
-
70 511
-
health
3 087
-
8 073
-
pensions
3 036
-
5 944
-
income
3 699
-
13 893
-
total
9 822
-
27 910
-
Employer
26 964
-
70 511
-
pensions
4 384
-
8 584
-
accident
450
-
1 178
-
unemployment
661
-
1 727
-
total
5 495
-
11 489
-
Corporate
49 541
82 000
-
-
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.

44 587
73 800
-
-
total
44 587
73 800
-
-
Dividends
4 954
8 200
-
-
withholding
941
1 558
-
-
total
941
1 558
-
-
Income
82 000
82 000
82 000
82 000
Total tax
60 845
75 358
39 399
25 746
After tax
21 155
6 642
42 601
56 254
Living cost
17 141
17 141
17 141
17 141
Free-cash
4 014
-10 499
25 460
39 113

Estimated living cost  is ₽17141 per week

₽12563
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽950
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽358
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3271
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Poland permits registration as a sole-trader only for EU nationals or long-term EU resident permit holders. Other nationals should use a business incubator or set up a company and hire themselves as an employee.

Berlin , Germany
₽21640
₽26998
₽20632
₽11050
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.

-
-
-
82 000
trade
-
-
-
6 366
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.

-
-
-
17 272
health

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

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

-
-
-
5 530
surtax

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

-
-
-
949
total
-
-
-
30 117
Employee

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

40 276
-
82 000
-
health

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

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

5 530
-
5 530
-
income

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

3 312
-
17 272
-
surtax

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

183
-
949
-
total
9 025
-
23 751
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
41 724
82 000
-
-
income
6 258
12 300
-
-
trade
5 988
11 767
-
-
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.

344
676
-
-
chamber of commerce
184
243
-
-
total
12 774
24 986
-
-
Dividends
28 950
57 015
-
-
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.

381
767
-
-
withholding
6 929
13 946
-
-
total
7 310
14 713
-
-
Income
82 000
82 000
82 000
82 000
Total tax
29 109
39 699
23 751
30 117
After tax
52 891
42 301
58 249
51 883
Living cost
31 251
31 251
31 251
31 251
Free-cash
21 640
11 050
26 998
20 632

Estimated living cost  is ₽31251 per week

₽21558
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3363
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽453
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5877
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Nationals of Europe, Australia, Canada, Israel, Japan, the Republic of Korea, New Zealand and the USA do not require an entry type D visa (not to confuse with a Schengen visa or a visa-free entry). For other nationals, waiting time is around 6-9 months which includes document preparation and processing.

Riga , Latvia
₽42121
₽29367
₽26922
₽48760
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.

-
-
-
82 000
income
-
-
-
11 875
microenterprise
-
-
-
-
social contributions

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

-
-
-
26 363
surtax
-
-
-
-
total
-
-
-
38 238
Employee
23 653
-
66 081
-
income
4 210
-
12 605
-
social contributions

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

2 602
-
7 269
-
surtax
-
-
-
-
total
6 812
-
19 874
-
Employer
23 653
-
66 081
-
social contributions

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

5 697
-
15 919
-
surtax
-
-
-
-
total
5 697
-
15 919
-
Corporate
52 650
82 000
-
-
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%.

10 530
16 400
-
-
total
10 530
16 400
-
-
Dividends

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

42 120
65 600
-
-
total
-
-
-
-
Income
82 000
82 000
82 000
82 000
Total tax
23 039
16 400
35 793
38 238
After tax
58 961
65 600
46 207
43 762
Living cost
16 840
16 840
16 840
16 840
Free-cash
42 121
48 760
29 367
26 922

Estimated living cost  is ₽16840 per week

₽10744
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1604
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽382
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4111
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Istanbul , Turkey
₽39597
₽36815
₽37524
₽41229
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
-
-
-
82 000
income
-
-
-
22 031
health
-
-
-
5 256
pensions
-
-
-
7 250
total
-
-
-
34 537
Employee
15 139
-
73 844
-
health
757
-
1 813
-
unemployment
151
-
363
-
pensions
1 362
-
3 263
-
income
2 929
-
21 650
-
total
5 199
-
27 089
-
Employer
15 139
-
73 844
-
health
1 438
-
3 444
-
pensions
1 665
-
3 988
-
unemployment
303
-
725
-
total
3 406
-
8 157
-
Corporate
63 455
82 000
-
-
income
13 960
18 040
-
-
total
13 960
18 040
-
-
Dividends
49 495
63 960
-
-
withholding
9 899
12 792
-
-
total
9 899
12 792
-
-
Income
82 000
82 000
82 000
82 000
Total tax
32 464
30 832
35 246
34 537
After tax
49 536
51 168
46 754
47 463
Living cost
9 939
9 939
9 939
9 939
Free-cash
39 597
41 229
36 815
37 524

Estimated living cost  is ₽9939 per week

₽5907
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽806
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽228
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2999
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details
Athens , Greece
₽30820
₽22310
₽23897
₽33397
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
-
-
-
82 000
pensions
-
-
-
16 400
unemployment
-
-
-
184
income
-
-
-
15 598
other
-
-
-
-
health
-
-
-
5 822
surtax
-
-
-
1 917
total
-
-
-
39 921
Employee
27 260
-
67 742
-
health
696
-
1 727
-
unemployment
1 897
-
4 714
-
pensions
1 819
-
4 518
-
income
4 570
-
14 558
-
other
-
-
-
-
surtax
97
-
1 734
-
total
9 079
-
27 251
-
Employer
27 260
-
67 742
-
health
1 240
-
3 081
-
pensions
3 634
-
9 029
-
unemployment
865
-
2 147
-
other
-
-
-
-
total
5 739
-
14 257
-
Corporate
49 001
82 000
-
-
income
12 741
21 320
-
-
total
12 741
21 320
-
-
Dividends
36 261
60 680
-
-
withholding
5 439
9 101
-
-
total
5 439
9 101
-
-
Income
82 000
82 000
82 000
82 000
Total tax
32 998
30 421
41 508
39 921
After tax
49 002
51 579
40 492
42 079
Living cost
18 182
18 182
18 182
18 182
Free-cash
30 820
33 397
22 310
23 897

Estimated living cost  is ₽18182 per week

₽10977
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1581
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽422
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5203
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details
Graz , Austria
₽19811
-₽1058
₽15766
₽20210
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
-
-
-
82 000
pensions
-
-
-
15 171
chamber of commerce
-
-
-
329
unemployment
-
-
-