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
₽ 83500
per

Your estimated
City
free-cash

Valencia , Spain
₽29513
₽21557
₽22500
₽33797
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
-
-
-
83 500
unemployment
-
-
-
530
income
-
-
-
15 829
other
-
-
-
76
accident
-
-
-
682
pensions
-
-
-
21 423
total
-
-
-
38 540
Employee
30 200
-
63 313
-
unemployment
468
-
981
-
pensions
1 420
-
2 976
-
income
5 822
-
15 276
-
other
29
-
64
-
total
7 739
-
19 297
-
Employer
30 200
-
63 313
-
pensions
7 127
-
14 942
-
accident
598
-
1 254
-
unemployment
1 662
-
3 483
-
other
242
-
507
-
total
9 629
-
20 186
-
Corporate
43 671
83 500
-
-
income

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

6 550
12 525
-
-
total
6 550
12 525
-
-
Dividends
37 121
70 975
-
-
withholding
7 609
14 718
-
-
total
7 609
14 718
-
-
Income
83 500
83 500
83 500
83 500
Total tax
31 527
27 243
39 483
38 540
After tax
51 973
56 257
44 017
44 960
Living cost
22 460
22 460
22 460
22 460
Free-cash
29 513
33 797
21 557
22 500

Estimated living cost  is ₽22460 per week

₽15160
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2159
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽394
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.
₽4747
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
₽34070
₽27014
₽23453
₽39585
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
-
-
-
83 500
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.

-
-
-
20 039
income
-
-
-
10 606
other
-
-
-
3 966
health
-
-
-
3 673
total
-
-
-
38 284
Employee
29 656
-
66 694
-
health
415
-
933
-
unemployment
296
-
666
-
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.

2 075
-
4 668
-
income
5 106
-
11 651
-
total
7 892
-
17 918
-
Employer
29 656
-
66 694
-
health
415
-
933
-
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.

5 042
-
11 338
-
accident
237
-
533
-
unemployment
296
-
666
-
other
1 483
-
3 335
-
total
7 473
-
16 805
-
Corporate
46 371
83 500
-
-
income
9 738
17 535
-
-
total
9 738
17 535
-
-
Dividends
36 632
65 965
-
-
withholding
2 564
4 617
-
-
total
2 564
4 617
-
-
Income
83 500
83 500
83 500
83 500
Total tax
27 667
22 152
34 723
38 284
After tax
55 833
61 348
48 777
45 216
Living cost
21 763
21 763
21 763
21 763
Free-cash
34 070
39 585
27 014
23 453

Estimated living cost  is ₽21763 per week

₽15377
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1469
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽350
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.
₽4566
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
₽56888
₽55270
₽52647
₽60682
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
-
-
-
83 500
pensions

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

-
-
-
4 223
unemployment
-
-
-
114
income
-
-
-
12 525
health
-
-
-
3 281
total
-
-
-
20 143
Employee
14 182
-
77 902
-
health
652
-
1 313
-
accident

We are using the highest rate at 1.1%.

156
-
314
-
pensions

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

1 245
-
2 505
-
income
1 418
-
7 790
-
total
3 471
-
11 922
-
Employer
14 182
-
77 902
-
health
979
-
1 969
-
pensions

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

1 563
-
3 144
-
accident

We are using the highest rate at 1.1%.

156
-
314
-
unemployment
85
-
171
-
total
2 783
-
5 598
-
Corporate
66 535
83 500
-
-
income
6 654
8 350
-
-
total
6 654
8 350
-
-
Dividends
59 882
75 150
-
-
withholding
2 994
3 758
-
-
total
2 994
3 758
-
-
Income
83 500
83 500
83 500
83 500
Total tax
15 902
12 108
17 520
20 143
After tax
67 598
71 392
65 980
63 357
Living cost
10 710
10 710
10 710
10 710
Free-cash
56 888
60 682
55 270
52 647

Estimated living cost  is ₽10710 per week

₽6253
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽765
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽284
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.
₽3409
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
₽18967
₽24507
₽20086
₽14140
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
-
-
-
83 500
income
-
-
-
8 210
other
-
-
-
2 592
health
-
-
-
1 646
social contributions
-
-
-
2 379
pensions
-
-
-
20 643
surtax
-
-
-
-
total
-
-
-
35 470
Employee
34 956
-
67 722
-
pensions
3 952
-
3 267
-
income
2 063
-
10 073
-
social contributions
997
-
1 930
-
surtax
-
-
-
-
total
7 012
-
15 270
-
Employer
34 956
-
67 722
-
health
2 447
-
4 740
-
social contributions
105
-
203
-
pensions
5 743
-
5 757
-
unemployment
1 415
-
2 743
-
other
1 206
-
2 336
-
total
10 916
-
15 779
-
Corporate
37 628
83 500
-
-
income
10 535
23 379
-
-
surtax
-
-
-
-
total
10 535
23 379
-
-
Dividends
27 093
60 121
-
-
social contributions
4 659
10 341
-
-
surtax
-
-
-
-
withholding
3 467
7 696
-
-
total
8 126
18 037
-
-
Income
83 500
83 500
83 500
83 500
Total tax
36 589
41 416
31 049
35 470
After tax
46 911
42 084
52 451
48 030
Living cost
27 944
27 944
27 944
27 944
Free-cash
18 967
14 140
24 507
20 086

Estimated living cost  is ₽27944 per week

₽17620
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2272
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽476
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.
₽7578
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
₽1220
₽6678
₽13171
₽6226
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
-
-
-
83 500
pensions
-
-
-
9 569
income
-
-
-
16 655
health
-
-
-
9 890
total
-
-
-
36 114
Employee
69 748
69 748
71 059
-
health
10 706
9 106
9 180
-
pensions
12 555
9 569
9 569
-
income

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

11 417
11 417
11 417
-
total
34 678
30 092
30 166
-
Employer
69 748
69 748
71 059
-
health
4 848
4 848
4 938
-
pensions
4 854
4 854
4 946
-
unemployment
2 511
2 511
2 557
-
total
12 213
12 213
12 441
-
Corporate
2 394
1 539
-
-
income
479
308
-
-
total
479
308
-
-
Dividends
1 915
1 230
-
-
income
408
262
-
-
withholding
287
184
-
-
total
695
446
-
-
Income
83 500
83 500
83 500
83 500
Total tax
48 065
43 059
42 607
36 114
After tax
35 435
40 441
40 893
47 386
Living cost
34 215
34 215
34 215
34 215
Free-cash
1 220
6 226
6 678
13 171

Estimated living cost  is ₽34215 per week

₽24247
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3084
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽544
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.
₽6339
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
₽26509
₽34478
₽27308
₽17476
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.

-
-
-
83 500
trade
-
-
-
7 170
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.

-
-
-
17 728
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.

-
-
-
5 580
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.

-
-
-
975
total
-
-
-
31 453
Employee

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

31 239
-
83 500
-
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.

5 580
-
5 580
-
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.

873
-
17 728
-
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
-
975
-
total
6 501
-
24 283
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
52 261
83 500
-
-
income
7 840
12 525
-
-
trade
8 232
13 151
-
-
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.

431
688
-
-
chamber of commerce
198
243
-
-
total
16 701
26 607
-
-
Dividends
35 560
56 892
-
-
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.

471
766
-
-
withholding
8 579
13 912
-
-
total
9 050
14 678
-
-
Income
83 500
83 500
83 500
83 500
Total tax
32 252
41 285
24 283
31 453
After tax
51 248
42 215
59 217
52 047
Living cost
24 739
24 739
24 739
24 739
Free-cash
26 509
17 476
34 478
27 308

Estimated living cost  is ₽24739 per week

₽15562
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2884
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.
₽5831
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
₽37754
₽39992
₽40075
₽42202
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
-
-
-
83 500
income
-
-
-
9 359
health
-
-
-
2 130
social contributions
-
-
-
13 026
total
-
-
-
24 515
Employee
62 805
62 805
75 806
-
health
487
1 068
1 288
-
income
6 838
5 814
9 325
-
social contributions
2 375
5 212
6 291
-
total
9 700
12 094
16 904
-
Employer
62 805
62 805
75 806
-
health
529
1 162
1 403
-
social contributions
2 375
5 212
6 291
-
total
2 904
6 374
7 694
-
Corporate
51 987
14 320
-
-
income
6 499
1 790
-
-
total
6 499
1 790
-
-
Dividends
45 488
12 530
-
-
withholding
7 733
2 130
-
-
total
7 733
2 130
-
-
Income
83 500
83 500
83 500
83 500
Total tax
26 836
22 388
24 598
24 515
After tax
56 664
61 112
58 902
58 985
Living cost
18 910
18 910
18 910
18 910
Free-cash
37 754
42 202
39 992
40 075

Estimated living cost  is ₽18910 per week

₽11333
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1855
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽418
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.
₽5304
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
₽21053
₽16642
₽20988
₽21875
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.

-
-
-
83 500
income
-
-
-
7 876
social contributions

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

-
-
-
29 017
surtax
-
-
-
-
total
-
-
-
36 893
Employee
37 564
-
67 475
-
income
7 814
-
17 791
-
social contributions
4 132
-
7 423
-
surtax
-
-
-
-
total
11 946
-
25 214
-
Employer
37 564
-
67 475
-
social contributions
8 922
-
16 025
-
total
8 922
-
16 025
-
Corporate
37 014
83 500
-
-
income
7 773
17 535
-
-
surtax
-
-
-
-
total
7 773
17 535
-
-
Dividends
29 241
65 965
-
-
withholding
8 187
18 471
-
-
total
8 187
18 471
-
-
Income
83 500
83 500
83 500
83 500
Total tax
36 828
36 006
41 239
36 893
After tax
46 672
47 494
42 261
46 607
Living cost
25 619
25 619
25 619
25 619
Free-cash
21 053
21 875
16 642
20 988

Estimated living cost  is ₽25619 per week

₽19168
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1511
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.
₽4512
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
₽72093
₽60710
₽76575
₽73235
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%.

-
-
-
83 500
microenterprise

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

-
-
-
835
total
-
-
-
835
Employee
7 613
-
83 500
-
income
1 522
-
16 700
-
total
1 522
-
16 700
-
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%.

75 887
83 500
-
-
total
-
-
-
-
Dividends
75 887
83 500
-
-
withholding
3 795
4 175
-
-
total
3 795
4 175
-
-
Income
83 500
83 500
83 500
83 500
Total tax
5 317
4 175
16 700
835
After tax
78 183
79 325
66 800
82 665
Living cost
6 090
6 090
6 090
6 090
Free-cash
72 093
73 235
60 710
76 575

Estimated living cost  is ₽6090 per week

₽3774
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽506
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽167
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.
₽1642
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
₽28750
₽18821
₽21214
₽35582
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.

-
-
-
83 500
pensions
-
-
-
15 248
unemployment
-
-
-
126
income
-
-
-
16 789
health
-
-
-
8 216
total
-
-
-
40 379
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.

36 117
-
72 250
-
health
2 333
-
4 668
-
unemployment
51
-
101
-
pensions
5 598
-
11 198
-
income
6 228
-
15 555
-
total
14 210
-
31 522
-
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.

36 117
-
72 250
-
health
2 406
-
4 813
-
pensions
3 196
-
6 394
-
unemployment
22
-
43
-
total
5 624
-
11 250
-
Corporate
41 760
83 500
-
-
income
7 934
15 865
-
-
total
7 934
15 865
-
-
Dividends
33 825
67 635
-
-
withholding
5 075
10 146
-
-
total
5 075
10 146
-
-
Income
83 500
83 500
83 500
83 500
Total tax
32 843
26 011
42 772
40 379
After tax
50 657
57 489
40 728
43 121
Living cost
21 907
21 907
21 907
21 907
Free-cash
28 750
35 582
18 821
21 214

Estimated living cost  is ₽21907 per week

₽15035
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1404
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽425
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.
₽5045
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
₽23358
₽31705
₽25432
₽20313
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.

-
-
-
83 500
income
-
-
-
23 249
health

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

-
-
-
5 171
total
-
-
-
28 420
Employee
37 468
-
79 743
-
social contributions
3 754
-
3 757
-
income
4 066
-
14 633
-
total
7 820
-
18 390
-
Employer
37 468
-
79 743
-
social contributions
3 754
-
3 757
-
total
3 754
-
3 757
-
Corporate
42 278
83 500
-
-
income
14 797
29 224
-
-
total
14 797
29 224
-
-
Dividends
27 481
54 276
-
-
social contributions
4 123
4 315
-
-
total
4 123
4 315
-
-
Income
83 500
83 500
83 500
83 500
Total tax
30 494
33 539
22 147
28 420
After tax
53 006
49 961
61 353
55 080
Living cost
29 648
29 648
29 648
29 648
Free-cash
23 358
20 313
31 705
25 432

Estimated living cost  is ₽29648 per week

₽19529
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2337
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽454
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.
₽7327
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
₽34047
₽36357
₽36306
₽33623
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
-
-
-
83 500
income
-
-
-
12 525
health
-
-
-
5 828
social contributions
-
-
-
11 522
total
-
-
-
29 875
Employee
27 693
-
83 500
-
health
1 933
-
5 828
-
income
4 619
-
12 474
-
social contributions
3 822
-
11 522
-
total
10 374
-
29 824
-
Employer
27 693
-
83 500
-
total
-
-
-
-
Corporate
55 807
83 500
-
-
income

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

2 790
4 176
-
-
total
2 790
4 176
-
-
Dividends
53 017
79 324
-
-
social contributions
7 316
10 947
-
-
withholding
7 953
11 899
-
-
health
3 701
5 536
-
-
total
18 970
28 382
-
-
Income
83 500
83 500
83 500
83 500
Total tax
32 134
32 558
29 824
29 875
After tax
51 366
50 942
53 676
53 625
Living cost
17 319
17 319
17 319
17 319
Free-cash
34 047
33 623
36 357
36 306

Estimated living cost  is ₽17319 per week

₽11591
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1068
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽398
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.
₽4261
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
₽26603
₽19609
₽17903
₽34725
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
-
-
-
83 500
income
-
-
-
7 177
health
-
-
-
11 273
social contributions
-
-
-
24 382
solidarity contribution
-
-
-
-
total
-
-
-
42 832
Employee
33 478
-
62 313
-
health
4 520
-
8 412
-
solidarity contribution
-
-
-
-
income
4 017
-
7 478
-
social contributions
2 176
-
4 050
-
total
10 713
-
19 940
-
Employer
33 478
-
62 313
-
health
3 013
-
5 608
-
social contributions
8 370
-
15 578
-
total
11 383
-
21 186
-
Corporate
38 639
83 500
-
-
income
7 341
15 865
-
-
total
7 341
15 865
-
-
Dividends
31 298
67 635
-
-
withholding
4 695
10 145
-
-
total
4 695
10 145
-
-
Income
83 500
83 500
83 500
83 500
Total tax
34 132
26 010
41 126
42 832
After tax
49 368
57 490
42 374
40 668
Living cost
22 765
22 765
22 765
22 765
Free-cash
26 603
34 725
19 609
17 903

Estimated living cost  is ₽22765 per week

₽16930
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1261
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽394
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.
₽4181
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
₽68054
₽57309
₽73174
₽69834
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%.

-
-
-
83 500
microenterprise

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

-
-
-
835
total
-
-
-
835
Employee
11 864
-
83 500
-
income
2 373
-
16 700
-
total
2 373
-
16 700
-
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%.

71 636
83 500
-
-
total
-
-
-
-
Dividends
71 636
83 500
-
-
withholding
3 582
4 175
-
-
total
3 582
4 175
-
-
Income
83 500
83 500
83 500
83 500
Total tax
5 955
4 175
16 700
835
After tax
77 545
79 325
66 800
82 665
Living cost
9 491
9 491
9 491
9 491
Free-cash
68 054
69 834
57 309
73 174

Estimated living cost  is ₽9491 per week

₽6423
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽398
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽318
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.
₽2351
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
₽8253
₽13003
₽8582
₽2636
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
-
-
-
83 500
income
-
-
-
8 210
other
-
-
-
2 592
health
-
-
-
1 646
social contributions
-
-
-
2 379
pensions
-
-
-
20 643
surtax
-
-
-
-
total
-
-
-
35 470
Employee
51 155
-
67 722
-
pensions
5 786
-
3 267
-
income
4 463
-
10 073
-
social contributions
1 457
-
1 930
-
surtax
-
-
-
-
total
11 706
-
15 270
-
Employer
51 155
-
67 722
-
health
3 580
-
4 740
-
social contributions
153
-
203
-
pensions
8 405
-
5 757
-
unemployment
2 072
-
2 743
-
other
1 765
-
2 336
-
total
15 975
-
15 779
-
Corporate
16 368
83 500
-
-
income
4 583
23 379
-
-
surtax
-
-
-
-
total
4 583
23 379
-
-
Dividends
11 785
60 121
-
-
social contributions
2 027
10 341
-
-
surtax
-
-
-
-
withholding
1 508
7 696
-
-
total
3 535
18 037
-
-
Income
83 500
83 500
83 500
83 500
Total tax
35 799
41 416
31 049
35 470
After tax
47 701
42 084
52 451
48 030
Living cost
39 448
39 448
39 448
39 448
Free-cash
8 253
2 636
13 003
8 582

Estimated living cost  is ₽39448 per week

₽26698
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3227
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽541
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.
₽8982
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
₽42251
₽30358
₽30357
₽46255
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.

-
-
-
83 500
pensions
-
-
-
15 637
unemployment
-
-
-
902
income
-
-
-
16 335
health
-
-
-
6 195
total
-
-
-
39 069
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.

21 222
-
72 735
-
health
1 093
-
3 097
-
unemployment
159
-
451
-
pensions
2 971
-
8 420
-
income
2 925
-
16 335
-
total
7 148
-
28 303
-
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.

21 222
-
72 735
-
health
1 093
-
3 097
-
pensions
2 547
-
7 217
-
unemployment
159
-
451
-
total
3 799
-
10 765
-
Corporate
58 479
83 500
-
-
income
8 772
12 525
-
-
total
8 772
12 525
-
-
Dividends
49 707
70 975
-
-
withholding
7 456
10 646
-
-
total
7 456
10 646
-
-
Income
83 500
83 500
83 500
83 500
Total tax
27 175
23 171
39 068
39 069
After tax
56 325
60 329
44 432
44 431
Living cost
14 074
14 074
14 074
14 074
Free-cash
42 251
46 255
30 358
30 357

Estimated living cost  is ₽14074 per week

₽9476
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1089
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽407
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.
₽3102
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
₽5696
₽8362
₽12507
-₽18597
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
-
-
-
83 500
pensions
-
-
-
7 682
city
-
-
-
881
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.

-
-
-
1 670
health
-
-
-
188
regional
-
-
-
3 116
national
-
-
-
677
total
-
-
-
14 214
Employee
66 447
-
74 737
-
health
150
-
168
-
unemployment
-
-
-
-
city
713
-
804
-
pensions
5 582
-
6 278
-
regional
2 176
-
2 663
-
national
315
-
504
-
total
8 936
-
10 417
-
Employer
66 447
-
74 737
-
health
150
-
168
-
pensions
5 582
-
6 278
-
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.

1 329
-
1 495
-
total
7 061
-
7 941
-
Corporate
9 262
83 500
-
-
regional
1 959
17 660
-
-
national
787
7 098
-
-
total
2 746
24 758
-
-
Dividends
6 516
58 742
-
-
withholding
2 281
20 559
-
-
total
2 281
20 559
-
-
Income
83 500
83 500
83 500
83 500
Total tax
21 024
45 317
18 358
14 214
After tax
62 476
38 183
65 142
69 286
Living cost
56 780
56 780
56 780
56 780
Free-cash
5 696
-18 597
8 362
12 507

Estimated living cost  is ₽56780 per week

₽36923
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5095
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽697
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.
₽14064
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
₽22437
₽16134
₽27732
₽24021
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

-
-
-
83 500
municipal
-
-
-
14 859
health
-
-
-
945
national
-
-
-
8 606
total
-
-
-
24 410
Employee
42 971
-
70 245
-
health
321
-
741
-
unemployment
645
-
1 054
-
pensions
2 900
-
4 741
-
national
710
-
4 749
-
municipal
7 038
-
11 468
-
total
11 614
-
22 753
-
Employer
42 971
-
70 245
-
health
330
-
541
-
pensions
7 455
-
12 187
-
accident
43
-
70
-
unemployment
279
-
457
-
total
8 107
-
13 255
-
Corporate
32 421
83 500
-
-
income
6 483
16 701
-
-
total
6 483
16 701
-
-
Dividends

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

19 453
50 099
-
-
municipal
3 501
9 018
-
-
national
-
2 402
-
-
total
3 501
11 420
-
-
Income
83 500
83 500
83 500
83 500
Total tax
29 705
28 121
36 008
24 410
After tax
53 795
55 379
47 492
59 090
Living cost
31 358
31 358
31 358
31 358
Free-cash
22 437
24 021
16 134
27 732

Estimated living cost  is ₽31358 per week

₽20483
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3016
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽499
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.
₽7361
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
₽4794
₽2662
₽9216
₽17041
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
-
-
-
83 500
communal

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

-
-
-
4 222
social contributions
-
-
-
13 125
national
-
-
-
27 157
total
-
-
-
44 504
Employee

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

58 423
-
64 673
-
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.

2 745
-
3 039
-
communal

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

3 047
-
3 373
-
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.

508
-
563
-
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.

4 382
-
4 850
-
national
17 962
-
20 406
-
total
28 644
-
32 231
-
Employer

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

58 423
-
64 673
-
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.

3 593
-
3 979
-
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.

5 177
-
5 730
-
surtax
6 624
-
7 334
-
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.

759
-
840
-
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.

852
-
944
-
total
17 005
-
18 827
-
Corporate
8 071
83 500
-
-
income
1 613
16 701
-
-
surtax
33
335
-
-
total
1 646
17 036
-
-
Dividends
6 425
66 464
-
-
withholding

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

1 631
19 643
-
-
total
1 631
19 643
-
-
Income
83 500
83 500
83 500
83 500
Total tax
48 926
36 679
51 058
44 504
After tax
34 574
46 821
32 442
38 996
Living cost
29 780
29 780
29 780
29 780
Free-cash
4 794
17 041
2 662
9 216

Estimated living cost  is ₽29780 per week

₽19182
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2604
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽467
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.
₽7528
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
₽9563
₽9353
₽7663
₽10354
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
-
-
-
83 500
unemployment
-
-
-
77
municipal
-
-
-
18 228
other
-
-
-
8 974
health
-
-
-
4 819
national
-
-
-
-
accident
-
-
-
154
pensions
-
-
-
8 348
total
-
-
-
40 600
Employee
50 210
-
63 537
-
national
-
-
-
-
municipal
14 973
-
18 947
-
total
14 973
-
18 947
-
Employer
50 210
-
63 537
-
health
3 088
-
3 908
-
pensions
5 428
-
6 868
-
accident
100
-
127
-
unemployment
1 326
-
1 677
-
other
5 834
-
7 383
-
total
15 776
-
19 963
-
Corporate
17 514
83 500
-
-
income
3 853
18 370
-
-
total
3 853
18 370
-
-
Dividends
13 661
65 130
-
-
withholding
4 098
19 539
-
-
total
4 098
19 539
-
-
Income
83 500
83 500
83 500
83 500
Total tax
38 700
37 909
38 910
40 600
After tax
44 800
45 591
44 590
42 900
Living cost
35 237
35 237
35 237
35 237
Free-cash
9 563
10 354
9 353
7 663

Estimated living cost  is ₽35237 per week

₽23354
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3458
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽535
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.
₽7891
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
-₽50522
₽32891
₽18921
₽12017
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
-
-
-
83 500
income
-
-
-
16 276
social contributions
-
-
-
9 519
total
-
-
-
25 795
Employee
55 610
-
-
-
income
12 267
-
-
-
social contributions
4 560
-
650
-
total
16 827
-
650
-
Employer
55 610
-
-
-
social contributions
78 411
-
11 175
-
total
78 411
-
11 175
-
Corporate
-
83 500
-
-
income
-
18 370
-
-
total
-
18 370
-
-
Dividends
-
65 130
-
-
income
-
14 329
-
-
total
-
14 329
-
-
Income
83 500
83 500
83 500
83 500
Total tax
95 238
32 699
11 825
25 795
After tax
-11 738
50 801
71 675
57 705
Living cost
38 784
38 784
38 784
38 784
Free-cash
-50 522
12 017
32 891
18 921

Estimated living cost  is ₽38784 per week

₽25164
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3648
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽494
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.
₽9477
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
₽31233
₽32411
₽32494
₽34621
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
-
-
-
83 500
income
-
-
-
9 359
health
-
-
-
2 130
social contributions
-
-
-
13 026
total
-
-
-
24 515
Employee
62 805
62 805
75 806
-
health
625
1 068
1 288
-
income
6 595
5 814
9 325
-
social contributions
3 052
5 212
6 291
-
total
10 272
12 094
16 904
-
Employer
62 805
62 805
75 806
-
health
680
1 162
1 403
-
social contributions
3 052
5 212
6 291
-
total
3 732
6 374
7 694
-
Corporate
43 005
14 320
-
-
income
5 375
1 790
-
-
total
5 375
1 790
-
-
Dividends
37 629
12 530
-
-
withholding
6 397
2 130
-
-
total
6 397
2 130
-
-
Income
83 500
83 500
83 500
83 500
Total tax
25 776
22 388
24 598
24 515
After tax
57 724
61 112
58 902
58 985
Living cost
26 492
26 492
26 492
26 492
Free-cash
31 233
34 621
32 411
32 494

Estimated living cost  is ₽26492 per week

₽18110
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2069
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽445
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.
₽5868
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
₽29033
₽22939
₽30359
₽31430
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
-
-
-
83 500
income
-
-
-
18 073
pensions
-
-
-
5 960
total
-
-
-
24 033
Employee
39 955
-
73 445
-
health
521
-
1 208
-
pensions
3 050
-
7 069
-
income
7 276
-
13 123
-
total
10 847
-
21 400
-
Employer
39 955
-
73 445
-
health
759
-
1 396
-
pensions
4 037
-
8 657
-
total
4 796
-
10 053
-
Corporate
38 749
83 500
-
-
income

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

7 362
15 866
-
-
total
7 362
15 866
-
-
Dividends
31 386
67 634
-
-
withholding
2 354
7 096
-
-
total
2 354
7 096
-
-
Income
83 500
83 500
83 500
83 500
Total tax
25 359
22 962
31 453
24 033
After tax
58 141
60 538
52 047
59 467
Living cost
29 108
29 108
29 108
29 108
Free-cash
29 033
31 430
22 939
30 359

Estimated living cost  is ₽29108 per week

₽19968
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2677
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽364
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.
₽6097
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
₽7730
₽5559
₽9379
₽11445
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
-
-
-
83 500
municipal
-
-
-
558
regional
-
-
-
1 684
social contributions
-
-
-
21 476
national
-
-
-
17 865
total
-
-
-
41 583
Employee
68 825
-
83 500
-
social contributions
23 207
-
28 156
-
regional
1 039
-
1 422
-
national
11 631
-
15 327
-
municipal
411
-
498
-
total
36 288
-
45 403
-
Employer
68 825
-
83 500
-
total
-
-
-
-
Corporate
14 675
83 500
-
-
nationa
3 521
20 039
-
-
municipal
707
4 025
-
-
total
4 228
24 064
-
-
Dividends
10 447
59 435
-
-
withholding
2 716
15 453
-
-
total
2 716
15 453
-
-
Income
83 500
83 500
83 500
83 500
Total tax
43 232
39 517
45 403
41 583
After tax
40 268
43 983
38 097
41 917
Living cost
32 538
32 538
32 538
32 538
Free-cash
7 730
11 445
5 559
9 379

Estimated living cost  is ₽32538 per week

₽22856
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2238
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽491
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.
₽6952
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
₽4112
₽26135
₽39989
-₽10528
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
-
-
-
83 500
pensions
-
-
-
3 270
income
-
-
-
20 747
other
-
-
-
291
health
-
-
-
1 714
accident
-
-
-
198
total
-
-
-
26 220
Employee
27 200
-
71 879
-
health
3 114
-
8 230
-
pensions
3 063
-
5 996
-
income
3 732
-
14 228
-
total
9 909
-
28 454
-
Employer
27 200
-
71 879
-
pensions
4 423
-
8 659
-
accident
454
-
1 200
-
unemployment
666
-
1 761
-
total
5 543
-
11 620
-
Corporate
50 756
83 500
-
-
income

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

45 681
75 150
-
-
total
45 681
75 150
-
-
Dividends
5 076
8 350
-
-
withholding
964
1 587
-
-
total
964
1 587
-
-
Income
83 500
83 500
83 500
83 500
Total tax
62 097
76 737
40 074
26 220
After tax
21 403
6 763
43 426
57 280
Living cost
17 291
17 291
17 291
17 291
Free-cash
4 112
-10 528
26 135
39 989

Estimated living cost  is ₽17291 per week

₽12673
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽958
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽361
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3300
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

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

Berlin , Germany
₽22224
₽27684
₽21151
₽11540
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.

-
-
-
83 500
trade
-
-
-
6 533
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.

-
-
-
17 728
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.

-
-
-
5 580
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.

-
-
-
975
total
-
-
-
30 816
Employee

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

40 639
-
83 500
-
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.

5 580
-
5 580
-
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.

3 342
-
17 728
-
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.

184
-
975
-
total
9 106
-
24 283
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
42 861
83 500
-
-
income
6 429
12 525
-
-
trade
6 150
11 983
-
-
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.

353
688
-
-
chamber of commerce
188
246
-
-
total
13 120
25 442
-
-
Dividends
29 741
58 058
-
-
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.

392
781
-
-
withholding
7 125
14 204
-
-
total
7 517
14 985
-
-
Income
83 500
83 500
83 500
83 500
Total tax
29 743
40 427
24 283
30 816
After tax
53 757
43 073
59 217
52 684
Living cost
31 533
31 533
31 533
31 533
Free-cash
22 224
11 540
27 684
21 151

Estimated living cost  is ₽31533 per week

₽21752
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3393
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽457
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.
₽5930
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
₽43108
₽30052
₽27563
₽49807
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.

-
-
-
83 500
income
-
-
-
12 100
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.

-
-
-
26 845
surtax
-
-
-
-
total
-
-
-
38 945
Employee
23 866
-
67 289
-
income
4 248
-
12 844
-
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.

2 626
-
7 403
-
surtax
-
-
-
-
total
6 874
-
20 247
-
Employer
23 866
-
67 289
-
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.

5 749
-
16 209
-
surtax
-
-
-
-
total
5 749
-
16 209
-
Corporate
53 885
83 500
-
-
income

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

10 777
16 701
-
-
total
10 777
16 701
-
-
Dividends

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

43 108
66 799
-
-
total
-
-
-
-
Income
83 500
83 500
83 500
83 500
Total tax
23 400
16 701
36 456
38 945
After tax
60 100
66 799
47 044
44 555
Living cost
16 992
16 992
16 992
16 992
Free-cash
43 108
49 807
30 052
27 563

Estimated living cost  is ₽16992 per week

₽10840
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1618
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽386
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.
₽4148
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
₽40423
₽37633
₽38349
₽42070
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
-
-
-
83 500
income
-
-
-
22 492
health
-
-
-
5 306
pensions
-
-
-
7 319
total
-
-
-
35 117
Employee
15 283
-
75 266
-
health
764
-
1 830
-
unemployment
153
-
366
-
pensions
1 375
-
3 294
-
income
2 956
-
22 108
-
total
5 248
-
27 598
-
Employer
15 283
-
75 266
-
health
1 452
-
3 477
-
pensions
1 681
-
4 026
-
unemployment
306
-
732
-
total
3 439
-
8 235
-
Corporate
64 778
83 500
-
-
income
14 251
18 370
-
-
total
14 251
18 370
-
-
Dividends
50 527
65 130
-
-
withholding
10 105
13 026
-
-
total
10 105
13 026
-
-
Income
83 500
83 500
83 500
83 500
Total tax
33 043
31 396
35 833
35 117
After tax
50 457
52 104
47 667
48 383
Living cost
10 034
10 034
10 034
10 034
Free-cash
40 423
42 070
37 633
38 349

Estimated living cost  is ₽10034 per week

₽5963
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽813
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽230
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.
₽3028
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
₽31578
₽22807
₽24426
₽34176
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
-
-
-
83 500
pensions
-
-
-
16 701
unemployment
-
-
-
186
income
-
-
-
15 943
other
-
-
-
-
health
-
-
-
5 929
surtax
-
-
-
1 970
total
-
-
-
40 729
Employee
27 505
-
68 980
-
health
702
-
1 759
-
unemployment
1 914
-
4 802
-
pensions
1 835
-
4 600
-
income
4 611
-
14 883
-
other
-
-
-
-
surtax
98
-
1 784
-
total
9 160
-
27 828
-
Employer
27 505
-
68 980
-
health
1 251
-
3 139
-
pensions
3 667
-
9 194
-
unemployment
873
-
2 187
-
other
-
-
-
-
total
5 791
-
14 520
-
Corporate
50 204
83 500
-
-
income
13 054
21 710
-
-
total
13 054
21 710
-
-
Dividends
37 150
61 790
-
-
withholding
5 572
9 269
-
-
total
5 572
9 269
-
-
Income
83 500
83 500
83 500
83 500
Total tax
33 577
30 979
42 348
40 729
After tax
49 923
52 521
41 152
42 771
Living cost
18 345
18 345
18 345
18 345
Free-cash
31 578
34 176
22 807
24 426

Estimated living cost  is ₽18345 per week

₽11076
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1595
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽426
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.
₽5250
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
₽20405
-₽928
₽16235
₽20810
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
-
-
-
83 500
pensions
-
-
-
15 447
chamber of commerce
-
-
-
333
unemployment
-
-
-