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
₽20513
₽20842
₽32264
₽27878
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
-
-
-
14 918
accident
-
-
-
698
unemployment
-
-
-
543
pensions
-
-
-
21 930
other
-
-
-
78
total
-
-
-
38 167
Employee
30 915
-
62 178
-
other
30
-
62
-
income
5 960
-
14 726
-
unemployment
479
-
963
-
pensions
1 453
-
2 923
-
total
7 922
-
18 674
-
Employer
30 915
-
62 178
-
unemployment
1 701
-
3 419
-
pensions
7 295
-
14 675
-
other
248
-
497
-
accident
612
-
1 231
-
total
9 856
-
19 822
-
Corporate
41 229
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.

6 185
12 299
-
-
total
6 185
12 299
-
-
Dividends
35 045
69 701
-
-
withholding
7 168
14 446
-
-
total
7 168
14 446
-
-
Income
82 000
82 000
82 000
82 000
Total tax
31 131
26 745
38 496
38 167
After tax
50 869
55 255
43 504
43 833
Living cost
22 991
22 991
22 991
22 991
Free-cash
27 878
32 264
20 513
20 842

Estimated living cost  is ₽22991 per week

₽15519
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2210
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.
₽4860
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
₽25765
₽22124
₽37968
₽32323
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
-
-
-
10 415
health
-
-
-
3 608
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.

-
-
-
19 680
other
-
-
-
3 895
total
-
-
-
37 598
Employee
30 357
-
65 496
-
income
5 226
-
11 297
-
health
425
-
917
-
unemployment
303
-
655
-
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.

2 124
-
4 584
-
total
8 078
-
17 453
-
Employer
30 357
-
65 496
-
unemployment
303
-
655
-
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.

5 161
-
11 133
-
other
1 518
-
3 275
-
accident
243
-
524
-
health
425
-
917
-
total
7 650
-
16 504
-
Corporate
43 992
82 000
-
-
income
9 239
17 219
-
-
total
9 239
17 219
-
-
Dividends
34 754
64 781
-
-
withholding
2 432
4 535
-
-
total
2 432
4 535
-
-
Income
82 000
82 000
82 000
82 000
Total tax
27 399
21 754
33 957
37 598
After tax
54 601
60 246
48 043
44 402
Living cost
22 278
22 278
22 278
22 278
Free-cash
32 323
37 968
25 765
22 124

Estimated living cost  is ₽22278 per week

₽15741
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1504
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽359
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.
₽4674
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
₽53435
₽50925
₽59139
₽55253
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
-
-
-
3 361
unemployment
-
-
-
117
pensions

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

-
-
-
4 326
total
-
-
-
20 104
Employee
14 527
-
76 266
-
income
1 452
-
7 627
-
health
668
-
1 344
-
accident

We are using the highest rate at 1.1%.

160
-
322
-
pensions

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

1 275
-
2 566
-
total
3 555
-
11 859
-
Employer
14 527
-
76 266
-
unemployment
87
-
175
-
pensions

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

1 601
-
3 221
-
accident

We are using the highest rate at 1.1%.

160
-
322
-
health
1 003
-
2 017
-
total
2 851
-
5 735
-
Corporate
64 623
82 000
-
-
income
6 462
8 200
-
-
total
6 462
8 200
-
-
Dividends
58 160
73 800
-
-
withholding
2 908
3 690
-
-
total
2 908
3 690
-
-
Income
82 000
82 000
82 000
82 000
Total tax
15 776
11 890
17 594
20 104
After tax
66 224
70 110
64 406
61 896
Living cost
10 971
10 971
10 971
10 971
Free-cash
55 253
59 139
53 435
50 925

Estimated living cost  is ₽10971 per week

₽6405
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽783
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽291
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.
₽3492
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
₽17844
₽18657
₽12724
₽17660
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
-
-
-
7 582
social contributions
-
-
-
2 337
health
-
-
-
1 430
surtax
-
-
-
-
pensions
-
-
-
20 844
other
-
-
-
2 545
total
-
-
-
34 738
Employee
35 783
-
62 486
-
income
2 112
-
7 190
-
social contributions
1 020
-
1 780
-
surtax
-
-
-
-
pensions
4 046
-
7 068
-
total
7 178
-
16 038
-
Employer
35 783
-
62 486
-
unemployment
1 449
-
2 531
-
social contributions
108
-
187
-
pensions
5 878
-
10 265
-
other
1 234
-
2 156
-
health
2 505
-
4 374
-
total
11 174
-
19 513
-
Corporate
35 043
82 000
-
-
income
9 812
22 960
-
-
surtax
-
-
-
-
total
9 812
22 960
-
-
Dividends
25 231
59 040
-
-
withholding
3 230
7 557
-
-
surtax
-
-
-
-
social contributions
4 341
10 154
-
-
total
7 571
17 711
-
-
Income
82 000
82 000
82 000
82 000
Total tax
35 735
40 671
35 551
34 738
After tax
46 265
41 329
46 449
47 262
Living cost
28 605
28 605
28 605
28 605
Free-cash
17 660
12 724
17 844
18 657

Estimated living cost  is ₽28605 per week

₽18037
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2326
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.
₽7757
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
-₽1024
₽11528
₽3670
-₽1024
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
-
-
-
15 726
health
-
-
-
9 926
pensions
-
-
-
9 796
total
-
-
-
35 448
Employee
71 397
71 397
71 397
-
income

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

11 687
11 687
11 687
-
health
10 959
9 321
10 959
-
pensions
12 852
9 796
12 852
-
total
35 498
30 804
35 498
-
Employer
71 397
71 397
71 397
-
unemployment
2 570
2 570
2 570
-
pensions
4 969
4 969
4 969
-
health
4 963
4 963
4 963
-
total
12 502
12 502
12 502
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Income
82 000
82 000
82 000
82 000
Total tax
48 000
43 306
48 000
35 448
After tax
34 000
38 694
34 000
46 552
Living cost
35 024
35 024
35 024
35 024
Free-cash
-1 024
3 670
-1 024
11 528

Estimated living cost  is ₽35024 per week

₽24821
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3157
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽557
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.
₽6489
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
₽33252
₽26460
₽16144
₽25388
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
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.

-
-
-
16 789
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.

-
-
-
5 712
trade
-
-
-
6 792
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.

-
-
-
923
total
-
-
-
30 216
Employee

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

31 978
-
82 000
-
income

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

893
-
16 789
-
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.

5 712
-
5 712
-
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
-
923
-
total
6 654
-
23 424
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
50 022
82 000
-
-
chamber of commerce
198
244
-
-
income
7 503
12 299
-
-
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.

413
676
-
-
trade
7 879
12 915
-
-
total
15 993
26 134
-
-
Dividends
34 029
55 865
-
-
withholding
8 190
13 648
-
-
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.

451
750
-
-
total
8 641
14 398
-
-
Income
82 000
82 000
82 000
82 000
Total tax
31 288
40 532
23 424
30 216
After tax
50 712
41 468
58 576
51 784
Living cost
25 324
25 324
25 324
25 324
Free-cash
25 388
16 144
33 252
26 460

Estimated living cost  is ₽25324 per week

₽15930
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2953
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽473
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.
₽5969
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
₽38951
₽39033
₽40675
₽36126
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
-
-
-
8 728
social contributions
-
-
-
12 791
health
-
-
-
2 091
total
-
-
-
23 610
Employee
64 290
64 290
74 445
-
income
7 000
5 951
8 693
-
social contributions
2 431
5 336
6 178
-
health
498
1 093
1 266
-
total
9 929
12 380
16 137
-
Employer
64 290
64 290
74 445
-
social contributions
2 431
5 336
6 178
-
health
541
1 190
1 377
-
total
2 972
6 526
7 555
-
Corporate
49 742
11 184
-
-
income
6 218
1 398
-
-
total
6 218
1 398
-
-
Dividends
43 524
9 786
-
-
withholding
7 398
1 664
-
-
total
7 398
1 664
-
-
Income
82 000
82 000
82 000
82 000
Total tax
26 517
21 968
23 692
23 610
After tax
55 483
60 032
58 308
58 390
Living cost
19 357
19 357
19 357
19 357
Free-cash
36 126
40 675
38 951
39 033

Estimated living cost  is ₽19357 per week

₽11601
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1899
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽428
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.
₽5429
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
₽15661
₽19708
₽20418
₽19574
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
-
-
-
7 572
social contributions

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

-
-
-
28 495
surtax
-
-
-
-
total
-
-
-
36 067
Employee
38 453
-
66 262
-
income
7 998
-
17 087
-
social contributions
4 230
-
7 289
-
surtax
-
-
-
-
total
12 228
-
24 376
-
Employer
38 453
-
66 262
-
social contributions
9 133
-
15 738
-
total
9 133
-
15 738
-
Corporate
34 415
82 000
-
-
income
7 227
17 219
-
-
surtax
-
-
-
-
total
7 227
17 219
-
-
Dividends
27 188
64 781
-
-
withholding
7 613
18 138
-
-
total
7 613
18 138
-
-
Income
82 000
82 000
82 000
82 000
Total tax
36 201
35 357
40 114
36 067
After tax
45 799
46 643
41 886
45 933
Living cost
26 225
26 225
26 225
26 225
Free-cash
19 574
20 418
15 661
19 708

Estimated living cost  is ₽26225 per week

₽19622
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1547
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽438
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.
₽4619
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
₽59350
₽74930
₽71650
₽70478
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
7 813
-
82 000
-
income
1 562
-
16 400
-
total
1 562
-
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%.

74 187
82 000
-
-
total
-
-
-
-
Dividends
74 187
82 000
-
-
withholding
3 710
4 100
-
-
total
3 710
4 100
-
-
Income
82 000
82 000
82 000
82 000
Total tax
5 272
4 100
16 400
820
After tax
76 728
77 900
65 600
81 180
Living cost
6 250
6 250
6 250
6 250
Free-cash
70 478
71 650
59 350
74 930

Estimated living cost  is ₽6250 per week

₽3874
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽520
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽172
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽1685
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
₽17718
₽20069
₽34032
₽27039
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
income
-
-
-
16 337
health
-
-
-
8 069
unemployment
-
-
-
124
pensions
-
-
-
14 976
total
-
-
-
39 506
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.

36 971
-
70 951
-
income
6 376
-
15 126
-
health
2 388
-
4 584
-
unemployment
52
-
100
-
pensions
5 731
-
10 997
-
total
14 547
-
30 807
-
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.

36 971
-
70 951
-
unemployment
22
-
43
-
pensions
3 272
-
6 280
-
health
2 462
-
4 727
-
total
5 756
-
11 050
-
Corporate
39 272
82 000
-
-
income
7 462
15 581
-
-
total
7 462
15 581
-
-
Dividends
31 811
66 419
-
-
withholding
4 771
9 962
-
-
total
4 771
9 962
-
-
Income
82 000
82 000
82 000
82 000
Total tax
32 536
25 543
41 857
39 506
After tax
49 464
56 457
40 143
42 494
Living cost
22 425
22 425
22 425
22 425
Free-cash
27 039
34 032
17 718
20 069

Estimated living cost  is ₽22425 per week

₽15390
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1437
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽435
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.
₽5164
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
₽29847
₽22365
₽18533
₽21991
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
-
-
-
23 799
health

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

-
-
-
5 486
total
-
-
-
29 285
Employee
38 354
-
78 154
-
social contributions
3 843
-
3 846
-
income
4 162
-
14 111
-
total
8 005
-
17 957
-
Employer
38 354
-
78 154
-
social contributions
3 843
-
3 846
-
total
3 843
-
3 846
-
Corporate
39 803
82 000
-
-
income
13 930
28 700
-
-
total
13 930
28 700
-
-
Dividends
25 873
53 300
-
-
social contributions
3 881
4 417
-
-
total
3 881
4 417
-
-
Income
82 000
82 000
82 000
82 000
Total tax
29 659
33 117
21 803
29 285
After tax
52 341
48 883
60 197
52 715
Living cost
30 350
30 350
30 350
30 350
Free-cash
21 991
18 533
29 847
22 365

Estimated living cost  is ₽30350 per week

₽19991
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2393
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽465
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.
₽7500
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
₽35158
₽34933
₽32298
₽32732
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
-
-
-
12 299
social contributions
-
-
-
11 316
health
-
-
-
5 723
total
-
-
-
29 338
Employee
28 348
-
82 000
-
income
4 728
-
12 074
-
social contributions
3 913
-
11 316
-
health
1 979
-
5 723
-
total
10 620
-
29 113
-
Employer
28 348
-
82 000
-
total
-
-
-
-
Corporate
53 652
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%.

2 683
4 100
-
-
total
2 683
4 100
-
-
Dividends
50 969
77 900
-
-
withholding
7 646
11 685
-
-
health
3 557
5 437
-
-
social contributions
7 033
10 751
-
-
total
18 236
27 873
-
-
Income
82 000
82 000
82 000
82 000
Total tax
31 539
31 973
29 113
29 338
After tax
50 461
50 027
52 887
52 662
Living cost
17 729
17 729
17 729
17 729
Free-cash
32 732
32 298
35 158
34 933

Estimated living cost  is ₽17729 per week

₽11865
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1093
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽408
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4362
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
₽18735
₽17060
₽33579
₽25418
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
social contributions
-
-
-
23 944
solidarity contribution
-
-
-
-
health
-
-
-
11 070
total
-
-
-
42 062
Employee
33 645
-
61 194
-
solidarity contribution
-
-
-
-
income
4 037
-
7 343
-
social contributions
2 187
-
3 978
-
health
4 542
-
8 261
-
total
10 766
-
19 582
-
Employer
33 645
-
61 194
-
social contributions
8 411
-
15 298
-
health
3 028
-
5 507
-
total
11 439
-
20 805
-
Corporate
36 916
82 000
-
-
income
7 014
15 580
-
-
total
7 014
15 580
-
-
Dividends
29 902
66 420
-
-
withholding
4 485
9 963
-
-
total
4 485
9 963
-
-
Income
82 000
82 000
82 000
82 000
Total tax
33 704
25 543
40 387
42 062
After tax
48 296
56 457
41 613
39 938
Living cost
22 878
22 878
22 878
22 878
Free-cash
25 418
33 579
18 735
17 060

Estimated living cost  is ₽22878 per week

₽17014
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1267
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽396
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4201
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
₽55860
₽71440
₽68160
₽66334
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
12 175
-
82 000
-
income
2 435
-
16 400
-
total
2 435
-
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%.

69 825
82 000
-
-
total
-
-
-
-
Dividends
69 825
82 000
-
-
withholding
3 491
4 100
-
-
total
3 491
4 100
-
-
Income
82 000
82 000
82 000
82 000
Total tax
5 926
4 100
16 400
820
After tax
76 074
77 900
65 600
81 180
Living cost
9 740
9 740
9 740
9 740
Free-cash
66 334
68 160
55 860
71 440

Estimated living cost  is ₽9740 per week

₽6591
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽409
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽327
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.
₽2413
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
₽6068
₽6881
₽948
₽6696
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
-
-
-
7 582
social contributions
-
-
-
2 337
health
-
-
-
1 430
surtax
-
-
-
-
pensions
-
-
-
20 844
other
-
-
-
2 545
total
-
-
-
34 738
Employee
52 365
-
62 486
-
income
4 569
-
7 190
-
social contributions
1 491
-
1 780
-
surtax
-
-
-
-
pensions
5 923
-
7 068
-
total
11 983
-
16 038
-
Employer
52 365
-
62 486
-
unemployment
2 121
-
2 531
-
social contributions
157
-
187
-
pensions
8 604
-
10 265
-
other
1 807
-
2 156
-
health
3 665
-
4 374
-
total
16 354
-
19 513
-
Corporate
13 280
82 000
-
-
income
3 719
22 960
-
-
surtax
-
-
-
-
total
3 719
22 960
-
-
Dividends
9 561
59 040
-
-
withholding
1 223
7 557
-
-
surtax
-
-
-
-
social contributions
1 644
10 154
-
-
total
2 867
17 711
-
-
Income
82 000
82 000
82 000
82 000
Total tax
34 923
40 671
35 551
34 738
After tax
47 077
41 329
46 449
47 262
Living cost
40 381
40 381
40 381
40 381
Free-cash
6 696
948
6 068
6 881

Estimated living cost  is ₽40381 per week

₽27329
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3303
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽554
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.
₽9194
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
₽28810
₽28809
₽44834
₽40735
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
income
-
-
-
15 502
health
-
-
-
6 343
unemployment
-
-
-
924
pensions
-
-
-
16 011
total
-
-
-
38 780
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.

21 730
-
70 977
-
income
2 995
-
15 502
-
health
1 119
-
3 171
-
unemployment
163
-
462
-
pensions
3 042
-
8 621
-
total
7 319
-
27 756
-
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.

21 730
-
70 977
-
unemployment
163
-
462
-
pensions
2 608
-
7 390
-
health
1 119
-
3 171
-
total
3 890
-
11 023
-
Corporate
56 380
82 000
-
-
income
8 457
12 300
-
-
total
8 457
12 300
-
-
Dividends
47 923
69 700
-
-
withholding
7 188
10 455
-
-
total
7 188
10 455
-
-
Income
82 000
82 000
82 000
82 000
Total tax
26 854
22 755
38 779
38 780
After tax
55 146
59 245
43 221
43 220
Living cost
14 411
14 411
14 411
14 411
Free-cash
40 735
44 834
28 810
28 809

Estimated living cost  is ₽14411 per week

₽9703
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1115
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽417
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.
₽3176
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
₽5738
₽9801
-₽20892
₽4092
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
regional
-
-
-
2 965
national
-
-
-
606
health
-
-
-
190
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.

-
-
-
1 641
pensions
-
-
-
7 545
total
-
-
-
13 811
Employee
68 329
-
73 394
-
regional
2 237
-
2 519
-
city
733
-
789
-
health
154
-
165
-
unemployment
-
-
-
-
national
323
-
436
-
pensions
5 741
-
6 166
-
total
9 188
-
10 075
-
Employer
68 329
-
73 394
-
unemployment
-
-
-
-
pensions
5 741
-
6 166
-
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.

1 366
-
1 468
-
health
154
-
165
-
total
7 261
-
7 799
-
Corporate
5 659
82 000
-
-
regional
1 197
17 343
-
-
national
481
6 970
-
-
total
1 678
24 313
-
-
Dividends
3 981
57 687
-
-
withholding
1 393
20 191
-
-
total
1 393
20 191
-
-
Income
82 000
82 000
82 000
82 000
Total tax
19 520
44 504
17 874
13 811
After tax
62 480
37 496
64 126
68 189
Living cost
58 388
58 388
58 388
58 388
Free-cash
4 092
-20 892
5 738
9 801

Estimated living cost  is ₽58388 per week

₽37969
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5240
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽717
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.
₽14462
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
₽14810
₽26310
₽22545
₽20560
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
-
-
-
14 595
national
-
-
-
8 082
health
-
-
-
914
total
-
-
-
23 591
Employee
43 988
-
68 982
-
health
328
-
714
-
unemployment
660
-
1 034
-
national
727
-
4 406
-
municipal
7 205
-
11 263
-
pensions
2 969
-
4 657
-
total
11 889
-
22 074
-
Employer
43 988
-
68 982
-
unemployment
286
-
449
-
pensions
7 632
-
11 968
-
accident
44
-
68
-
health
338
-
532
-
total
8 300
-
13 017
-
Corporate
29 713
82 000
-
-
income
5 942
16 401
-
-
total
5 942
16 401
-
-
Dividends

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

17 828
49 199
-
-
national
-
2 099
-
-
municipal
3 210
8 856
-
-
total
3 210
10 955
-
-
Income
82 000
82 000
82 000
82 000
Total tax
29 341
27 356
35 091
23 591
After tax
52 659
54 644
46 909
58 409
Living cost
32 099
32 099
32 099
32 099
Free-cash
20 560
22 545
14 810
26 310

Estimated living cost  is ₽32099 per week

₽20967
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3088
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽511
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.
₽7535
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
₽1578
₽8226
₽15510
₽2973
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
national
-
-
-
26 427
social contributions
-
-
-
12 706
communal

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

-
-
-
4 157
total
-
-
-
43 290
Employee

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

59 805
-
63 511
-
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.

2 810
-
2 984
-
communal

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

3 119
-
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.

520
-
552
-
national
18 386
-
19 837
-
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.

4 485
-
4 763
-
total
29 320
-
31 449
-
Employer

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

59 805
-
63 511
-
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.

873
-
927
-
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.

5 299
-
5 628
-
surtax
6 781
-
7 203
-
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.

777
-
825
-
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.

3 678
-
3 906
-
total
17 408
-
18 489
-
Corporate
4 787
82 000
-
-
income
957
16 401
-
-
surtax
19
328
-
-
total
976
16 729
-
-
Dividends
3 811
65 271
-
-
withholding

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

839
19 277
-
-
total
839
19 277
-
-
Income
82 000
82 000
82 000
82 000
Total tax
48 543
36 006
49 938
43 290
After tax
33 457
45 994
32 062
38 710
Living cost
30 484
30 484
30 484
30 484
Free-cash
2 973
15 510
1 578
8 226

Estimated living cost  is ₽30484 per week

₽19636
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2666
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽478
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.
₽7706
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
₽9204
₽7550
₽10186
₽9409
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
-
-
-
17 904
national
-
-
-
-
health
-
-
-
4 730
accident
-
-
-
152
unemployment
-
-
-
76
pensions
-
-
-
8 194
other
-
-
-
8 808
total
-
-
-
39 864
Employee
49 282
-
62 395
-
national
-
-
-
-
municipal
14 696
-
18 606
-
total
14 696
-
18 606
-
Employer
49 282
-
62 395
-
unemployment
1 301
-
1 647
-
pensions
5 327
-
6 745
-
other
5 727
-
7 250
-
accident
99
-
125
-
health
3 031
-
3 837
-
total
15 485
-
19 604
-
Corporate
17 234
82 000
-
-
income
3 791
18 040
-
-
total
3 791
18 040
-
-
Dividends
13 443
63 960
-
-
withholding
4 033
19 188
-
-
total
4 033
19 188
-
-
Income
82 000
82 000
82 000
82 000
Total tax
38 005
37 228
38 210
39 864
After tax
43 995
44 772
43 790
42 136
Living cost
34 586
34 586
34 586
34 586
Free-cash
9 409
10 186
9 204
7 550

Estimated living cost  is ₽34586 per week

₽22922
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3394
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽525
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.
₽7745
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
₽32084
₽18416
₽11636
-₽50187
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
54 849
-
-
-
income
12 099
-
-
-
social contributions
4 498
-
641
-
total
16 597
-
641
-
Employer
54 849
-
-
-
social contributions
77 337
-
11 022
-
total
77 337
-
11 022
-
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
93 934
32 111
11 663
25 331
After tax
-11 934
49 889
70 337
56 669
Living cost
38 253
38 253
38 253
38 253
Free-cash
-50 187
11 636
32 084
18 416

Estimated living cost  is ₽38253 per week

₽24820
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3598
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.
₽9348
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
₽31190
₽31272
₽32914
₽29448
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
-
-
-
8 728
social contributions
-
-
-
12 791
health
-
-
-
2 091
total
-
-
-
23 610
Employee
64 290
64 290
74 445
-
income
6 751
5 951
8 693
-
social contributions
3 124
5 336
6 178
-
health
639
1 093
1 266
-
total
10 514
12 380
16 137
-
Employer
64 290
64 290
74 445
-
social contributions
3 124
5 336
6 178
-
health
697
1 190
1 377
-
total
3 821
6 526
7 555
-
Corporate
40 547
11 184
-
-
income
5 068
1 398
-
-
total
5 068
1 398
-
-
Dividends
35 479
9 786
-
-
withholding
6 031
1 664
-
-
total
6 031
1 664
-
-
Income
82 000
82 000
82 000
82 000
Total tax
25 434
21 968
23 692
23 610
After tax
56 566
60 032
58 308
58 390
Living cost
27 118
27 118
27 118
27 118
Free-cash
29 448
32 914
31 190
31 272

Estimated living cost  is ₽27118 per week

₽18538
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2118
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽455
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6007
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
₽20973
₽28723
₽29990
₽26445
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
-
-
-
16 884
pensions
-
-
-
6 014
total
-
-
-
22 898
Employee
41 700
-
72 205
-
income
7 594
-
12 839
-
health
544
-
1 169
-
pensions
3 183
-
6 845
-
total
11 321
-
20 853
-
Employer
41 700
-
72 205
-
pensions
4 213
-
8 422
-
health
793
-
1 373
-
total
5 006
-
9 795
-
Corporate
35 295
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.

6 706
15 580
-
-
total
6 706
15 580
-
-
Dividends
28 589
66 420
-
-
withholding
2 143
6 051
-
-
total
2 143
6 051
-
-
Income
82 000
82 000
82 000
82 000
Total tax
25 176
21 631
30 648
22 898
After tax
56 824
60 369
51 352
59 102
Living cost
30 379
30 379
30 379
30 379
Free-cash
26 445
29 990
20 973
28 723

Estimated living cost  is ₽30379 per week

₽20840
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2794
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽380
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.
₽6364
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
₽4375
₽8124
₽9885
₽6081
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
-
-
-
549
regional
-
-
-
1 622
national
-
-
-
17 307
social contributions
-
-
-
21 091
total
-
-
-
40 569
Employee
70 453
-
82 000
-
regional
1 064
-
1 365
-
social contributions
23 756
-
27 650
-
national
11 906
-
14 814
-
municipal
420
-
489
-
total
37 146
-
44 318
-
Employer
70 453
-
82 000
-
total
-
-
-
-
Corporate
11 547
82 000
-
-
nationa
2 772
19 680
-
-
municipal
557
3 952
-
-
total
3 329
23 632
-
-
Dividends
8 218
58 367
-
-
withholding
2 137
15 176
-
-
total
2 137
15 176
-
-
Income
82 000
82 000
82 000
82 000
Total tax
42 612
38 808
44 318
40 569
After tax
39 388
43 192
37 682
41 431
Living cost
33 307
33 307
33 307
33 307
Free-cash
6 081
9 885
4 375
8 124

Estimated living cost  is ₽33307 per week

₽23396
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2291
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽503
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7116
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
₽25031
₽38790
-₽10833
₽3963
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
-
-
-
20 203
health
-
-
-
1 732
accident
-
-
-
201
pensions
-
-
-
3 305
other
-
-
-
294
total
-
-
-
25 735
Employee
27 489
-
70 350
-
income
3 771
-
13 729
-
health
3 148
-
8 055
-
pensions
3 095
-
6 060
-
total
10 014
-
27 844
-
Employer
27 489
-
70 350
-
unemployment
673
-
1 724
-
pensions
4 470
-
8 751
-
accident
459
-
1 175
-
total
5 602
-
11 650
-
Corporate
48 908
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.

44 017
73 800
-
-
total
44 017
73 800
-
-
Dividends
4 891
8 200
-
-
withholding
929
1 558
-
-
total
929
1 558
-
-
Income
82 000
82 000
82 000
82 000
Total tax
60 562
75 358
39 494
25 735
After tax
21 438
6 642
42 506
56 265
Living cost
17 475
17 475
17 475
17 475
Free-cash
3 963
-10 833
25 031
38 790

Estimated living cost  is ₽17475 per week

₽12808
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽968
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽365
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3335
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
₽26297
₽20108
₽10031
₽20967
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
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.

-
-
-
16 789
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.

-
-
-
5 712
trade
-
-
-
6 189
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.

-
-
-
923
total
-
-
-
29 613
Employee

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

41 600
-
82 000
-
income

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

3 421
-
16 789
-
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.

5 712
-
5 712
-
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.

189
-
923
-
total
9 322
-
23 424
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
40 400
82 000
-
-
chamber of commerce
186
248
-
-
income
6 059
12 299
-
-
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
676
-
-
trade
5 797
11 766
-
-
total
12 375
24 989
-
-
Dividends
28 025
57 011
-
-
withholding
6 689
13 935
-
-
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.

368
766
-
-
total
7 057
14 701
-
-
Income
82 000
82 000
82 000
82 000
Total tax
28 754
39 690
23 424
29 613
After tax
53 246
42 310
58 576
52 387
Living cost
32 279
32 279
32 279
32 279
Free-cash
20 967
10 031
26 297
20 108

Estimated living cost  is ₽32279 per week

₽22266
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3473
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.
₽6070
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
₽28845
₽26399
₽48205
₽41347
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
microenterprise
-
-
-
-
income
-
-
-
11 844
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
-
-
-
38 207
Employee
24 431
-
66 082
-
income
4 349
-
12 575
-
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.

2 688
-
7 268
-
surtax
-
-
-
-
total
7 037
-
19 843
-
Employer
24 431
-
66 082
-
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.

5 885
-
15 918
-
surtax
-
-
-
-
total
5 885
-
15 918
-
Corporate
51 685
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%.

10 337
16 401
-
-
total
10 337
16 401
-
-
Dividends

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

41 348
65 599
-
-
total
-
-
-
-
Income
82 000
82 000
82 000
82 000
Total tax
23 259
16 401
35 761
38 207
After tax
58 741
65 599
46 239
43 793
Living cost
17 394
17 394
17 394
17 394
Free-cash
41 347
48 205
28 845
26 399

Estimated living cost  is ₽17394 per week

₽11097
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1656
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.
₽4246
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
₽35376
₽36145
₽40360
₽38585
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
-
-
-
21 448
health
-
-
-
5 716
pensions
-
-
-
7 883
total
-
-
-
35 047
Employee
16 461
-
73 131
-
income
3 184
-
21 034
-
health
823
-
1 971
-
unemployment
165
-
394
-
pensions
1 481
-
3 548
-
total
5 653
-
26 947
-
Employer
16 461
-
73 131
-
unemployment
329
-
788
-
pensions
1 811
-
4 336
-
health
1 564
-
3 745
-
total
3 704
-
8 869
-
Corporate
61 835
82 000
-
-
income
13 604
18 040
-
-
total
13 604
18 040
-
-
Dividends
48 231
63 960
-
-
withholding
9 646
12 792
-
-
total
9 646
12 792
-
-
Income
82 000
82 000
82 000
82 000
Total tax
32 607
30 832
35 816
35 047
After tax
49 393
51 168
46 184
46 953
Living cost
10 808
10 808
10 808
10 808
Free-cash
38 585
40 360
35 376
36 145

Estimated living cost  is ₽10808 per week

₽6423
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽876
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽248
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.
₽3261
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
₽21986
₽23571
₽32800
₽30141
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
-
-
-
15 384
health
-
-
-
5 823
unemployment
-
-
-
190
surtax
-
-
-
1 852
pensions
-
-
-
16 401
other
-
-
-
-
total
-
-
-
39 650
Employee
28 156
-
67 741
-
other
-
-
-
-
income
4 720
-
14 345
-
health
719
-
1 728
-
unemployment
1 959
-
4 715
-
surtax
100
-
1 669
-
pensions
1 879
-
4 519
-
total
9 377
-
26 976
-
Employer
28 156
-
67 741
-
unemployment
893
-
2 147
-
pensions
3 754
-
9 029
-
other
-
-
-
-
health
1 280
-
3 083
-
total
5 927
-
14 259
-
Corporate
47 916
82 000
-
-
income
12 458
21 319
-
-
total
12 458
21 319
-
-
Dividends
35 458
60 681
-
-
withholding
5 318
9 102
-
-
total
5 318
9 102
-
-
Income
82 000
82 000
82 000
82 000
Total tax
33 080
30 421
41 235
39 650
After tax
48 920
51 579
40 765
42 350
Living cost
18 779
18 779
18 779
18 779
Free-cash
30 141
32 800
21 986
23 571

Estimated living cost  is ₽18779 per week

₽11338
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1633
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽436
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.
₽5374
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
-₽1558
₽15142
₽19407
₽18996
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
-
-
-
13 285
chamber of commerce
-
-
-
328
health
-
-