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
₽21379
₽22160
₽33546
₽29213
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
-
-
-
15 659
accident
-
-
-
690
unemployment
-
-
-
536
pensions
-
-
-
21 665
other
-
-
-
77
total
-
-
-
38 627
Employee
30 541
-
63 315
-
other
30
-
63
-
income
5 888
-
15 202
-
unemployment
473
-
981
-
pensions
1 436
-
2 977
-
total
7 827
-
19 223
-
Employer
30 541
-
63 315
-
unemployment
1 680
-
3 483
-
pensions
7 207
-
14 942
-
other
245
-
506
-
accident
605
-
1 254
-
total
9 737
-
20 185
-
Corporate
43 223
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.

6 483
12 525
-
-
total
6 483
12 525
-
-
Dividends
36 740
70 975
-
-
withholding
7 527
14 716
-
-
total
7 527
14 716
-
-
Income
83 500
83 500
83 500
83 500
Total tax
31 574
27 241
39 408
38 627
After tax
51 926
56 259
44 092
44 873
Living cost
22 713
22 713
22 713
22 713
Free-cash
29 213
33 546
21 379
22 160

Estimated living cost  is ₽22713 per week

₽15331
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2183
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.
₽4801
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
₽26809
₽23206
₽39339
₽33761
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
-
-
-
10 607
health
-
-
-
3 674
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
other
-
-
-
3 966
total
-
-
-
38 286
Employee
29 990
-
66 693
-
income
5 163
-
11 611
-
health
420
-
934
-
unemployment
299
-
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.

2 099
-
4 668
-
total
7 981
-
17 879
-
Employer
29 990
-
66 693
-
unemployment
299
-
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.

5 099
-
11 337
-
other
1 500
-
3 334
-
accident
240
-
533
-
health
420
-
934
-
total
7 558
-
16 804
-
Corporate
45 952
83 500
-
-
income
9 651
17 535
-
-
total
9 651
17 535
-
-
Dividends
36 302
65 965
-
-
withholding
2 541
4 618
-
-
total
2 541
4 618
-
-
Income
83 500
83 500
83 500
83 500
Total tax
27 731
22 153
34 683
38 286
After tax
55 769
61 347
48 817
45 214
Living cost
22 008
22 008
22 008
22 008
Free-cash
33 761
39 339
26 809
23 206

Estimated living cost  is ₽22008 per week

₽15550
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1486
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽354
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.
₽4618
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
₽55054
₽52447
₽60565
₽56730
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
-
-
-
3 317
unemployment
-
-
-
115
pensions

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

-
-
-
4 269
total
-
-
-
20 226
Employee
14 336
-
77 841
-
income
1 433
-
7 784
-
health
659
-
1 327
-
accident

We are using the highest rate at 1.1%.

158
-
317
-
pensions

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

1 259
-
2 533
-
total
3 509
-
11 961
-
Employer
14 336
-
77 841
-
unemployment
86
-
173
-
pensions

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

1 580
-
3 178
-
accident

We are using the highest rate at 1.1%.

158
-
317
-
health
990
-
1 990
-
total
2 814
-
5 658
-
Corporate
66 351
83 500
-
-
income
6 635
8 350
-
-
total
6 635
8 350
-
-
Dividends
59 716
75 150
-
-
withholding
2 985
3 758
-
-
total
2 985
3 758
-
-
Income
83 500
83 500
83 500
83 500
Total tax
15 943
12 108
17 619
20 226
After tax
67 557
71 392
65 881
63 274
Living cost
10 827
10 827
10 827
10 827
Free-cash
56 730
60 565
55 054
52 447

Estimated living cost  is ₽10827 per week

₽6321
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽773
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽287
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3446
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
₽24349
₽19797
₽13823
₽18705
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
-
-
-
8 080
social contributions
-
-
-
2 379
health
-
-
-
1 596
surtax
-
-
-
-
pensions
-
-
-
20 798
other
-
-
-
2 591
total
-
-
-
35 444
Employee
35 350
-
67 766
-
income
2 086
-
9 998
-
social contributions
1 008
-
1 929
-
surtax
-
-
-
-
pensions
3 997
-
3 230
-
total
7 091
-
15 157
-
Employer
35 350
-
67 766
-
unemployment
1 431
-
2 745
-
social contributions
107
-
204
-
pensions
5 807
-
5 704
-
other
1 219
-
2 339
-
health
2 475
-
4 743
-
total
11 039
-
15 735
-
Corporate
37 111
83 500
-
-
income
10 390
23 380
-
-
surtax
-
-
-
-
total
10 390
23 380
-
-
Dividends
26 720
60 120
-
-
withholding
3 420
7 696
-
-
surtax
-
-
-
-
social contributions
4 596
10 342
-
-
total
8 016
18 038
-
-
Income
83 500
83 500
83 500
83 500
Total tax
36 536
41 418
30 892
35 444
After tax
46 964
42 082
52 608
48 056
Living cost
28 259
28 259
28 259
28 259
Free-cash
18 705
13 823
24 349
19 797

Estimated living cost  is ₽28259 per week

₽17818
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2298
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽481
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.
₽7663
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
₽5997
₽12790
₽5816
₽756
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
-
-
-
16 484
health
-
-
-
9 948
pensions
-
-
-
9 677
total
-
-
-
36 109
Employee
70 534
70 534
71 058
-
income

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

11 545
11 545
11 545
-
health
10 826
9 209
9 238
-
pensions
12 696
9 677
9 677
-
total
35 067
30 431
30 460
-
Employer
70 534
70 534
71 058
-
unemployment
2 539
2 539
2 558
-
pensions
4 909
4 909
4 945
-
health
4 903
4 903
4 939
-
total
12 351
12 351
12 442
-
Corporate
1 480
615
-
-
income
296
122
-
-
total
296
122
-
-
Dividends
1 184
493
-
-
withholding
177
74
-
-
income
252
105
-
-
total
429
179
-
-
Income
83 500
83 500
83 500
83 500
Total tax
48 143
43 083
42 902
36 109
After tax
35 357
40 417
40 598
47 391
Living cost
34 601
34 601
34 601
34 601
Free-cash
756
5 816
5 997
12 790

Estimated living cost  is ₽34601 per week

₽24521
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3119
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽550
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.
₽6411
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
₽34316
₽27212
₽17197
₽26331
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
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.

-
-
-
17 557
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.

-
-
-
5 643
trade
-
-
-
7 104
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.

-
-
-
966
total
-
-
-
31 270
Employee

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

31 591
-
83 500
-
income

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

882
-
17 557
-
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.

5 643
-
5 643
-
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
-
966
-
total
6 574
-
24 166
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
51 909
83 500
-
-
chamber of commerce
201
246
-
-
income
7 787
12 525
-
-
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.

428
690
-
-
trade
8 176
13 151
-
-
total
16 592
26 612
-
-
Dividends
35 318
56 888
-
-
withholding
8 516
13 908
-
-
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.

469
765
-
-
total
8 985
14 673
-
-
Income
83 500
83 500
83 500
83 500
Total tax
32 151
41 285
24 166
31 270
After tax
51 349
42 215
59 334
52 230
Living cost
25 018
25 018
25 018
25 018
Free-cash
26 331
17 197
34 316
27 212

Estimated living cost  is ₽25018 per week

₽15737
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2917
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.
₽5897
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
₽39904
₽39989
₽41993
₽37499
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
-
-
-
9 234
social contributions
-
-
-
13 025
health
-
-
-
2 129
total
-
-
-
24 388
Employee
63 512
63 512
75 806
-
income
6 915
5 879
9 198
-
social contributions
2 401
5 271
6 292
-
health
492
1 080
1 288
-
total
9 808
12 230
16 778
-
Employer
63 512
63 512
75 806
-
social contributions
2 401
5 271
6 292
-
health
534
1 176
1 403
-
total
2 935
6 447
7 695
-
Corporate
51 632
13 541
-
-
income
6 455
1 693
-
-
total
6 455
1 693
-
-
Dividends
45 177
11 848
-
-
withholding
7 680
2 014
-
-
total
7 680
2 014
-
-
Income
83 500
83 500
83 500
83 500
Total tax
26 878
22 384
24 473
24 388
After tax
56 622
61 116
59 027
59 112
Living cost
19 123
19 123
19 123
19 123
Free-cash
37 499
41 993
39 904
39 989

Estimated living cost  is ₽19123 per week

₽11461
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1876
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽423
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.
₽5364
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
₽16457
₽20745
₽21587
₽20754
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
-
-
-
7 831
social contributions

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

-
-
-
29 016
surtax
-
-
-
-
total
-
-
-
36 847
Employee
37 988
-
67 475
-
income
7 902
-
17 688
-
social contributions
4 179
-
7 422
-
surtax
-
-
-
-
total
12 081
-
25 110
-
Employer
37 988
-
67 475
-
social contributions
9 022
-
16 025
-
total
9 022
-
16 025
-
Corporate
36 490
83 500
-
-
income
7 663
17 535
-
-
surtax
-
-
-
-
total
7 663
17 535
-
-
Dividends
28 827
65 965
-
-
withholding
8 072
18 470
-
-
total
8 072
18 470
-
-
Income
83 500
83 500
83 500
83 500
Total tax
36 838
36 005
41 135
36 847
After tax
46 662
47 495
42 365
46 653
Living cost
25 908
25 908
25 908
25 908
Free-cash
20 754
21 587
16 457
20 745

Estimated living cost  is ₽25908 per week

₽19384
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1528
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽433
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4563
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
₽60614
₽76479
₽73139
₽71980
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
7 732
-
83 500
-
income
1 546
-
16 700
-
total
1 546
-
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%.

75 768
83 500
-
-
total
-
-
-
-
Dividends
75 768
83 500
-
-
withholding
3 788
4 175
-
-
total
3 788
4 175
-
-
Income
83 500
83 500
83 500
83 500
Total tax
5 334
4 175
16 700
835
After tax
78 166
79 325
66 800
82 665
Living cost
6 186
6 186
6 186
6 186
Free-cash
71 980
73 139
60 614
76 479

Estimated living cost  is ₽6186 per week

₽3833
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽514
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽170
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽1668
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

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

Ljubljana , Slovenia
₽18613
₽21009
₽35335
₽28425
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
income
-
-
-
16 747
health
-
-
-
8 216
unemployment
-
-
-
125
pensions
-
-
-
15 249
total
-
-
-
40 337
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.

36 524
-
72 251
-
income
6 299
-
15 515
-
health
2 359
-
4 668
-
unemployment
52
-
102
-
pensions
5 662
-
11 199
-
total
14 372
-
31 484
-
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.

36 524
-
72 251
-
unemployment
22
-
44
-
pensions
3 232
-
6 393
-
health
2 433
-
4 812
-
total
5 687
-
11 249
-
Corporate
41 289
83 500
-
-
income
7 845
15 865
-
-
total
7 845
15 865
-
-
Dividends
33 444
67 635
-
-
withholding
5 017
10 146
-
-
total
5 017
10 146
-
-
Income
83 500
83 500
83 500
83 500
Total tax
32 921
26 011
42 733
40 337
After tax
50 579
57 489
40 767
43 163
Living cost
22 154
22 154
22 154
22 154
Free-cash
28 425
35 335
18 613
21 009

Estimated living cost  is ₽22154 per week

₽15204
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1420
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽429
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.
₽5102
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
₽31356
₽24576
₽19929
₽23102
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
-
-
-
23 511
health

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

-
-
-
5 430
total
-
-
-
28 941
Employee
37 890
-
79 701
-
social contributions
3 796
-
3 799
-
income
4 111
-
14 563
-
total
7 907
-
18 362
-
Employer
37 890
-
79 701
-
social contributions
3 796
-
3 799
-
total
3 796
-
3 799
-
Corporate
41 814
83 500
-
-
income
14 635
29 224
-
-
total
14 635
29 224
-
-
Dividends
27 179
54 276
-
-
social contributions
4 077
4 364
-
-
total
4 077
4 364
-
-
Income
83 500
83 500
83 500
83 500
Total tax
30 415
33 588
22 161
28 941
After tax
53 085
49 912
61 339
54 559
Living cost
29 983
29 983
29 983
29 983
Free-cash
23 102
19 929
31 356
24 576

Estimated living cost  is ₽29983 per week

₽19749
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2364
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽459
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.
₽7409
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
₽36208
₽36109
₽33429
₽33857
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
social contributions
-
-
-
11 524
health
-
-
-
5 828
total
-
-
-
29 877
Employee
28 005
-
83 500
-
income
4 671
-
12 426
-
social contributions
3 865
-
11 524
-
health
1 955
-
5 828
-
total
10 491
-
29 778
-
Employer
28 005
-
83 500
-
total
-
-
-
-
Corporate
55 495
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%.

2 774
4 176
-
-
total
2 774
4 176
-
-
Dividends
52 721
79 324
-
-
withholding
7 908
11 898
-
-
health
3 680
5 536
-
-
social contributions
7 276
10 947
-
-
total
18 864
28 381
-
-
Income
83 500
83 500
83 500
83 500
Total tax
32 129
32 557
29 778
29 877
After tax
51 371
50 943
53 722
53 623
Living cost
17 514
17 514
17 514
17 514
Free-cash
33 857
33 429
36 208
36 109

Estimated living cost  is ₽17514 per week

₽11721
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1080
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.
₽4309
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
₽19702
₽17996
₽34818
₽26730
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
social contributions
-
-
-
24 382
solidarity contribution
-
-
-
-
health
-
-
-
11 273
total
-
-
-
42 832
Employee
33 342
-
62 313
-
solidarity contribution
-
-
-
-
income
4 001
-
7 478
-
social contributions
2 167
-
4 050
-
health
4 501
-
8 412
-
total
10 669
-
19 940
-
Employer
33 342
-
62 313
-
social contributions
8 335
-
15 578
-
health
3 001
-
5 608
-
total
11 336
-
21 186
-
Corporate
38 822
83 500
-
-
income
7 376
15 865
-
-
total
7 376
15 865
-
-
Dividends
31 446
67 635
-
-
withholding
4 717
10 145
-
-
total
4 717
10 145
-
-
Income
83 500
83 500
83 500
83 500
Total tax
34 098
26 010
41 126
42 832
After tax
49 402
57 490
42 374
40 668
Living cost
22 672
22 672
22 672
22 672
Free-cash
26 730
34 818
19 702
17 996

Estimated living cost  is ₽22672 per week

₽16861
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1256
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽392
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4164
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
₽57161
₽73026
₽69686
₽67879
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
12 049
-
83 500
-
income
2 410
-
16 700
-
total
2 410
-
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%.

71 451
83 500
-
-
total
-
-
-
-
Dividends
71 451
83 500
-
-
withholding
3 572
4 175
-
-
total
3 572
4 175
-
-
Income
83 500
83 500
83 500
83 500
Total tax
5 982
4 175
16 700
835
After tax
77 518
79 325
66 800
82 665
Living cost
9 639
9 639
9 639
9 639
Free-cash
67 879
69 686
57 161
73 026

Estimated living cost  is ₽9639 per week

₽6523
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽405
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽323
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2388
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

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

Paris , France
₽12715
₽8163
₽2189
₽7867
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
-
-
-
8 080
social contributions
-
-
-
2 379
health
-
-
-
1 596
surtax
-
-
-
-
pensions
-
-
-
20 798
other
-
-
-
2 591
total
-
-
-
35 444
Employee
51 731
-
67 766
-
income
4 514
-
9 998
-
social contributions
1 473
-
1 929
-
surtax
-
-
-
-
pensions
5 851
-
3 230
-
total
11 838
-
15 157
-
Employer
51 731
-
67 766
-
unemployment
2 096
-
2 745
-
social contributions
155
-
204
-
pensions
8 500
-
5 704
-
other
1 785
-
2 339
-
health
3 621
-
4 743
-
total
16 157
-
15 735
-
Corporate
15 612
83 500
-
-
income
4 372
23 380
-
-
surtax
-
-
-
-
total
4 372
23 380
-
-
Dividends
11 240
60 120
-
-
withholding
1 439
7 696
-
-
surtax
-
-
-
-
social contributions
1 934
10 342
-
-
total
3 373
18 038
-
-
Income
83 500
83 500
83 500
83 500
Total tax
35 740
41 418
30 892
35 444
After tax
47 760
42 082
52 608
48 056
Living cost
39 893
39 893
39 893
39 893
Free-cash
7 867
2 189
12 715
8 163

Estimated living cost  is ₽39893 per week

₽26999
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3263
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽547
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.
₽9083
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
₽30076
₽30075
₽46089
₽42037
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
income
-
-
-
16 183
health
-
-
-
6 268
unemployment
-
-
-
913
pensions
-
-
-
15 821
total
-
-
-
39 185
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.

21 472
-
72 608
-
income
2 960
-
16 183
-
health
1 106
-
3 134
-
unemployment
161
-
456
-
pensions
3 006
-
8 519
-
total
7 233
-
28 292
-
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.

21 472
-
72 608
-
unemployment
161
-
456
-
pensions
2 577
-
7 302
-
health
1 106
-
3 134
-
total
3 844
-
10 892
-
Corporate
58 184
83 500
-
-
income
8 728
12 525
-
-
total
8 728
12 525
-
-
Dividends
49 456
70 975
-
-
withholding
7 418
10 646
-
-
total
7 418
10 646
-
-
Income
83 500
83 500
83 500
83 500
Total tax
27 223
23 171
39 184
39 185
After tax
56 277
60 329
44 316
44 315
Living cost
14 240
14 240
14 240
14 240
Free-cash
42 037
46 089
30 076
30 075

Estimated living cost  is ₽14240 per week

₽9588
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1101
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽412
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3139
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
₽7389
₽11532
-₽19631
₽5105
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
regional
-
-
-
3 080
national
-
-
-
653
health
-
-
-
189
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
pensions
-
-
-
7 681
total
-
-
-
14 154
Employee
67 657
-
74 736
-
regional
2 215
-
2 625
-
city
726
-
803
-
health
153
-
168
-
unemployment
-
-
-
-
national
320
-
482
-
pensions
5 684
-
6 278
-
total
9 098
-
10 356
-
Employer
67 657
-
74 736
-
unemployment
-
-
-
-
pensions
5 684
-
6 278
-
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.

1 353
-
1 495
-
health
153
-
168
-
total
7 190
-
7 941
-
Corporate
7 910
83 500
-
-
regional
1 673
17 660
-
-
national
673
7 098
-
-
total
2 346
24 758
-
-
Dividends
5 564
58 743
-
-
withholding
1 947
20 559
-
-
total
1 947
20 559
-
-
Income
83 500
83 500
83 500
83 500
Total tax
20 581
45 317
18 297
14 154
After tax
62 919
38 183
65 203
69 346
Living cost
57 814
57 814
57 814
57 814
Free-cash
5 105
-19 631
7 389
11 532

Estimated living cost  is ₽57814 per week

₽37595
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5188
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽710
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽14320
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
₽15854
₽27482
₽23741
₽22038
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
-
-
-
14 861
national
-
-
-
8 506
health
-
-
-
940
total
-
-
-
24 307
Employee
43 455
-
70 244
-
health
324
-
737
-
unemployment
652
-
1 053
-
national
718
-
4 680
-
municipal
7 118
-
11 469
-
pensions
2 933
-
4 741
-
total
11 745
-
22 680
-
Employer
43 455
-
70 244
-
unemployment
282
-
456
-
pensions
7 539
-
12 187
-
accident
44
-
71
-
health
334
-
541
-
total
8 199
-
13 255
-
Corporate
31 845
83 500
-
-
income
6 368
16 699
-
-
total
6 368
16 699
-
-
Dividends

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

19 108
50 101
-
-
national
-
2 332
-
-
municipal
3 439
9 017
-
-
total
3 439
11 349
-
-
Income
83 500
83 500
83 500
83 500
Total tax
29 751
28 048
35 935
24 307
After tax
53 749
55 452
47 565
59 193
Living cost
31 711
31 711
31 711
31 711
Free-cash
22 038
23 741
15 854
27 482

Estimated living cost  is ₽31711 per week

₽20713
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3050
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽505
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7444
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
₽2382
₽8992
₽16711
₽4325
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
national
-
-
-
27 091
social contributions
-
-
-
13 075
communal

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

-
-
-
4 226
total
-
-
-
44 392
Employee

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

59 081
-
64 671
-
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.

2 776
-
3 039
-
communal

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

3 082
-
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.

514
-
563
-
national
18 164
-
20 351
-
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.

4 431
-
4 850
-
total
28 967
-
32 176
-
Employer

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

59 081
-
64 671
-
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.

862
-
944
-
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.

5 235
-
5 730
-
surtax
6 699
-
7 332
-
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.

768
-
842
-
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.

3 633
-
3 978
-
total
17 197
-
18 826
-
Corporate
7 221
83 500
-
-
income
1 444
16 699
-
-
surtax
28
334
-
-
total
1 472
17 033
-
-
Dividends
5 749
66 467
-
-
withholding

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

1 423
19 640
-
-
total
1 423
19 640
-
-
Income
83 500
83 500
83 500
83 500
Total tax
49 059
36 673
51 002
44 392
After tax
34 441
46 827
32 498
39 108
Living cost
30 116
30 116
30 116
30 116
Free-cash
4 325
16 711
2 382
8 992

Estimated living cost  is ₽30116 per week

₽19398
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2633
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽472
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7613
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
₽10631
₽9508
₽11631
₽10869
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
-
-
-
18 470
national
-
-
-
-
health
-
-
-
4 644
accident
-
-
-
149
unemployment
-
-
-
74
pensions
-
-
-
8 046
other
-
-
-
8 649
total
-
-
-
40 032
Employee
48 390
-
63 537
-
national
-
-
-
-
municipal
14 430
-
18 947
-
total
14 430
-
18 947
-
Employer
48 390
-
63 537
-
unemployment
1 277
-
1 677
-
pensions
5 231
-
6 868
-
other
5 623
-
7 383
-
accident
97
-
127
-
health
2 976
-
3 907
-
total
15 204
-
19 962
-
Corporate
19 905
83 500
-
-
income
4 379
18 370
-
-
total
4 379
18 370
-
-
Dividends
15 526
65 130
-
-
withholding
4 658
19 539
-
-
total
4 658
19 539
-
-
Income
83 500
83 500
83 500
83 500
Total tax
38 671
37 909
38 909
40 032
After tax
44 829
45 591
44 591
43 468
Living cost
33 960
33 960
33 960
33 960
Free-cash
10 869
11 631
10 631
9 508

Estimated living cost  is ₽33960 per week

₽22508
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3332
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽516
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7605
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
₽34386
₽20067
₽13163
-₽46562
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
53 968
-
-
-
income
11 904
-
-
-
social contributions
4 425
-
631
-
total
16 329
-
631
-
Employer
53 968
-
-
-
social contributions
76 095
-
10 845
-
total
76 095
-
10 845
-
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
92 424
32 699
11 476
25 795
After tax
-8 924
50 801
72 024
57 705
Living cost
37 638
37 638
37 638
37 638
Free-cash
-46 562
13 163
34 386
20 067

Estimated living cost  is ₽37638 per week

₽24421
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3540
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽480
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9197
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
₽32237
₽32322
₽34326
₽30902
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
-
-
-
9 234
social contributions
-
-
-
13 025
health
-
-
-
2 129
total
-
-
-
24 388
Employee
63 512
63 512
75 806
-
income
6 669
5 879
9 198
-
social contributions
3 086
5 271
6 292
-
health
632
1 080
1 288
-
total
10 387
12 230
16 778
-
Employer
63 512
63 512
75 806
-
social contributions
3 086
5 271
6 292
-
health
688
1 176
1 403
-
total
3 774
6 447
7 695
-
Corporate
42 548
13 541
-
-
income
5 318
1 693
-
-
total
5 318
1 693
-
-
Dividends
37 230
11 848
-
-
withholding
6 329
2 014
-
-
total
6 329
2 014
-
-
Income
83 500
83 500
83 500
83 500
Total tax
25 808
22 384
24 473
24 388
After tax
57 692
61 116
59 027
59 112
Living cost
26 790
26 790
26 790
26 790
Free-cash
30 902
34 326
32 237
32 322

Estimated living cost  is ₽26790 per week

₽18314
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2092
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽450
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5934
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
₽22075
₽29688
₽30922
₽27829
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
-
-
-
17 547
pensions
-
-
-
6 113
total
-
-
-
23 660
Employee
41 388
-
73 492
-
income
7 537
-
13 056
-
health
540
-
1 198
-
pensions
3 159
-
7 011
-
total
11 236
-
21 265
-
Employer
41 388
-
73 492
-
pensions
4 182
-
8 612
-
health
787
-
1 396
-
total
4 969
-
10 008
-
Corporate
37 144
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.

7 058
15 864
-
-
total
7 058
15 864
-
-
Dividends
30 086
67 636
-
-
withholding
2 256
6 562
-
-
total
2 256
6 562
-
-
Income
83 500
83 500
83 500
83 500
Total tax
25 519
22 426
31 273
23 660
After tax
57 981
61 074
52 227
59 840
Living cost
30 152
30 152
30 152
30 152
Free-cash
27 829
30 922
22 075
29 688

Estimated living cost  is ₽30152 per week

₽20684
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2773
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽377
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.
₽6316
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
₽5267
₽9084
₽11079
₽7323
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
-
-
-
1 676
national
-
-
-
17 801
social contributions
-
-
-
21 477
total
-
-
-
41 512
Employee
69 601
-
83 500
-
regional
1 051
-
1 413
-
social contributions
23 469
-
28 155
-
national
11 762
-
15 263
-
municipal
415
-
498
-
total
36 697
-
45 329
-
Employer
69 601
-
83 500
-
total
-
-
-
-
Corporate
13 899
83 500
-
-
nationa
3 335
20 039
-
-
municipal
669
4 025
-
-
total
4 004
24 064
-
-
Dividends
9 895
59 435
-
-
withholding
2 572
15 453
-
-
total
2 572
15 453
-
-
Income
83 500
83 500
83 500
83 500
Total tax
43 273
39 517
45 329
41 512
After tax
40 227
43 983
38 171
41 988
Living cost
32 904
32 904
32 904
32 904
Free-cash
7 323
11 079
5 267
9 084

Estimated living cost  is ₽32904 per week

₽23113
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2263
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽497
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7030
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
₽26155
₽40003
-₽10513
₽4112
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
-
-
-
20 752
health
-
-
-
1 713
accident
-
-
-
198
pensions
-
-
-
3 267
other
-
-
-
291
total
-
-
-
26 221
Employee
27 175
-
71 887
-
income
3 728
-
14 235
-
health
3 112
-
8 231
-
pensions
3 060
-
5 991
-
total
9 900
-
28 457
-
Employer
27 175
-
71 887
-
unemployment
666
-
1 761
-
pensions
4 419
-
8 651
-
accident
454
-
1 200
-
total
5 539
-
11 612
-
Corporate
50 786
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.

45 708
75 150
-
-
total
45 708
75 150
-
-
Dividends
5 078
8 350
-
-
withholding
965
1 587
-
-
total
965
1 587
-
-
Income
83 500
83 500
83 500
83 500
Total tax
62 112
76 737
40 069
26 221
After tax
21 388
6 763
43 431
57 279
Living cost
17 276
17 276
17 276
17 276
Free-cash
4 112
-10 513
26 155
40 003

Estimated living cost  is ₽17276 per week

₽12662
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽957
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.
₽3297
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
₽27446
₽20974
₽11186
₽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

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

-
-
-
83 500
income

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

-
-
-
17 557
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.

-
-
-
5 643
trade
-
-
-
6 472
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.

-
-
-
966
total
-
-
-
30 638
Employee

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

41 097
-
83 500
-
income

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

3 379
-
17 557
-
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.

5 643
-
5 643
-
surtax

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

187
-
966
-
total
9 209
-
24 166
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
42 403
83 500
-
-
chamber of commerce
188
248
-
-
income
6 361
12 525
-
-
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.

350
690
-
-
trade
6 085
11 983
-
-
total
12 984
25 446
-
-
Dividends
29 420
58 055
-
-
withholding
7 041
14 199
-
-
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.

387
781
-
-
total
7 428
14 980
-
-
Income
83 500
83 500
83 500
83 500
Total tax
29 621
40 426
24 166
30 638
After tax
53 879
43 074
59 334
52 862
Living cost
31 888
31 888
31 888
31 888
Free-cash
21 991
11 186
27 446
20 974

Estimated living cost  is ₽31888 per week

₽21997
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3431
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.
₽5997
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
₽29872
₽27381
₽49618
₽42842
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
microenterprise
-
-
-
-
income
-
-
-
12 091
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
-
-
-
38 936
Employee
24 135
-
67 290
-
income
4 296
-
12 834
-
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.

2 655
-
7 401
-
surtax
-
-
-
-
total
6 951
-
20 235
-
Employer
24 135
-
67 290
-
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.

5 814
-
16 210
-
surtax
-
-
-
-
total
5 814
-
16 210
-
Corporate
53 551
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%.

10 710
16 699
-
-
total
10 710
16 699
-
-
Dividends

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

42 841
66 801
-
-
total
-
-
-
-
Income
83 500
83 500
83 500
83 500
Total tax
23 475
16 699
36 445
38 936
After tax
60 025
66 801
47 055
44 564
Living cost
17 183
17 183
17 183
17 183
Free-cash
42 842
49 618
29 872
27 381

Estimated living cost  is ₽17183 per week

₽10963
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1636
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽390
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4194
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
₽36579
₽37337
₽41433
₽39679
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
-
-
-
22 065
health
-
-
-
5 643
pensions
-
-
-
7 784
total
-
-
-
35 492
Employee
16 253
-
74 743
-
income
3 144
-
21 656
-
health
813
-
1 946
-
unemployment
163
-
389
-
pensions
1 463
-
3 503
-
total
5 583
-
27 494
-
Employer
16 253
-
74 743
-
unemployment
325
-
778
-
pensions
1 788
-
4 281
-
health
1 544
-
3 697
-
total
3 657
-
8 756
-
Corporate
63 590
83 500
-
-
income
13 990
18 370
-
-
total
13 990
18 370
-
-
Dividends
49 600
65 130
-
-
withholding
9 920
13 026
-
-
total
9 920
13 026
-
-
Income
83 500
83 500
83 500
83 500
Total tax
33 150
31 396
36 250
35 492
After tax
50 350
52 104
47 250
48 008
Living cost
10 671
10 671
10 671
10 671
Free-cash
39 679
41 433
36 579
37 337

Estimated living cost  is ₽10671 per week

₽6341
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽865
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽244
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.
₽3220
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
₽22696
₽24315
₽33970
₽31342
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
-
-
-
15 870
health
-
-
-
5 928
unemployment
-
-
-
188
surtax
-
-
-
1 948
pensions
-
-
-
16 699
other
-
-
-
-
total
-
-
-
40 633
Employee
27 815
-
68 981
-
other
-
-
-
-
income
4 663
-
14 811
-
health
710
-
1 759
-
unemployment
1 936
-
4 801
-
surtax
99
-
1 762
-
pensions
1 856
-
4 600
-
total
9 264
-
27 733
-
Employer
27 815
-
68 981
-
unemployment
882
-
2 187
-
pensions
3 709
-
9 194
-
other
-
-
-
-
health
1 265
-
3 138
-
total
5 856
-
14 519
-
Corporate
49 829
83 500
-
-
income
12 955
21 710
-
-
total
12 955
21 710
-
-
Dividends
36 874
61 790
-
-
withholding
5 531
9 268
-
-
total
5 531
9 268
-
-
Income
83 500
83 500
83 500
83 500
Total tax
33 606
30 978
42 252
40 633
After tax
49 894
52 522
41 248
42 867
Living cost
18 552
18 552
18 552
18 552
Free-cash
31 342
33 970
22 696
24 315

Estimated living cost  is ₽18552 per week

₽11201
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1613
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽431
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.
₽5309
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
-₽1105
₽16018
₽20529
₽20121
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
-
-
-
13 897
chamber of commerce
-
-
-
334
health
-
-
-