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
₽ 84500
per

Your estimated
City
free-cash

Valencia , Spain
₽21811
₽22755
₽34192
₽29853
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
-
-
-
84 500
income
-
-
-
16 013
accident
-
-
-
690
unemployment
-
-
-
537
pensions
-
-
-
21 689
other
-
-
-
77
total
-
-
-
39 006
Employee
30 575
-
64 074
-
other
30
-
64
-
income
5 895
-
15 456
-
unemployment
474
-
993
-
pensions
1 437
-
3 011
-
total
7 836
-
19 524
-
Employer
30 575
-
64 074
-
unemployment
1 682
-
3 524
-
pensions
7 215
-
15 121
-
other
245
-
513
-
accident
606
-
1 268
-
total
9 748
-
20 426
-
Corporate
44 177
84 500
-
-
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.

6 627
12 674
-
-
total
6 627
12 674
-
-
Dividends
37 550
71 826
-
-
withholding
7 697
14 895
-
-
total
7 697
14 895
-
-
Income
84 500
84 500
84 500
84 500
Total tax
31 908
27 569
39 950
39 006
After tax
52 592
56 931
44 550
45 494
Living cost
22 739
22 739
22 739
22 739
Free-cash
29 853
34 192
21 811
22 755

Estimated living cost  is ₽22739 per week

₽15348
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2186
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽399
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4806
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Bratislava , Slovakia
₽27328
₽23722
₽40048
₽34462
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
-
-
-
84 500
income
-
-
-
10 733
health
-
-
-
3 717
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.

-
-
-
20 280
other
-
-
-
4 014
total
-
-
-
38 744
Employee
30 024
-
67 491
-
income
5 169
-
11 788
-
health
421
-
945
-
unemployment
300
-
675
-
pensions

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

2 101
-
4 723
-
total
7 991
-
18 131
-
Employer
30 024
-
67 491
-
unemployment
300
-
675
-
pensions

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

5 105
-
11 472
-
other
1 502
-
3 375
-
accident
240
-
540
-
health
421
-
945
-
total
7 568
-
17 007
-
Corporate
46 909
84 500
-
-
income
9 851
17 745
-
-
total
9 851
17 745
-
-
Dividends
37 058
66 755
-
-
withholding
2 594
4 673
-
-
total
2 594
4 673
-
-
Income
84 500
84 500
84 500
84 500
Total tax
28 004
22 418
35 138
38 744
After tax
56 496
62 082
49 362
45 756
Living cost
22 034
22 034
22 034
22 034
Free-cash
34 462
40 048
27 328
23 722

Estimated living cost  is ₽22034 per week

₽15568
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1488
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽355
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4623
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Varna , Bulgaria
₽55966
₽53309
₽61427
₽57593
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
-
-
-
84 500
income
-
-
-
12 675
health
-
-
-
3 315
unemployment
-
-
-
115
pensions

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

-
-
-
4 266
total
-
-
-
20 371
Employee
14 327
-
78 845
-
income
1 432
-
7 885
-
health
659
-
1 326
-
accident

We are using the highest rate at 1.1%.

158
-
317
-
pensions

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

1 258
-
2 531
-
total
3 507
-
12 059
-
Employer
14 327
-
78 845
-
unemployment
86
-
173
-
pensions

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

1 579
-
3 176
-
accident

We are using the highest rate at 1.1%.

158
-
317
-
health
989
-
1 989
-
total
2 812
-
5 655
-
Corporate
67 362
84 500
-
-
income
6 736
8 450
-
-
total
6 736
8 450
-
-
Dividends
60 625
76 050
-
-
withholding
3 032
3 803
-
-
total
3 032
3 803
-
-
Income
84 500
84 500
84 500
84 500
Total tax
16 087
12 253
17 714
20 371
After tax
68 413
72 247
66 786
64 129
Living cost
10 820
10 820
10 820
10 820
Free-cash
57 593
61 427
55 966
53 309

Estimated living cost  is ₽10820 per week

₽6317
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽773
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽287
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3444
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Nice , France
₽24793
₽20315
₽14296
₽19180
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
-
-
-
84 500
income
-
-
-
8 302
social contributions
-
-
-
2 409
health
-
-
-
1 665
surtax
-
-
-
-
pensions
-
-
-
20 896
other
-
-
-
2 622
total
-
-
-
35 894
Employee
35 390
-
68 532
-
income
2 089
-
10 188
-
social contributions
1 009
-
1 954
-
surtax
-
-
-
-
pensions
4 001
-
3 305
-
total
7 099
-
15 447
-
Employer
35 390
-
68 532
-
unemployment
1 433
-
2 776
-
social contributions
107
-
206
-
pensions
5 814
-
5 825
-
other
1 221
-
2 365
-
health
2 478
-
4 797
-
total
11 053
-
15 969
-
Corporate
38 058
84 500
-
-
income
10 656
23 660
-
-
surtax
-
-
-
-
total
10 656
23 660
-
-
Dividends
27 402
60 840
-
-
withholding
3 507
7 788
-
-
surtax
-
-
-
-
social contributions
4 714
10 465
-
-
total
8 221
18 253
-
-
Income
84 500
84 500
84 500
84 500
Total tax
37 029
41 913
31 416
35 894
After tax
47 471
42 587
53 084
48 606
Living cost
28 291
28 291
28 291
28 291
Free-cash
19 180
14 296
24 793
20 315

Estimated living cost  is ₽28291 per week

₽17839
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2300
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽482
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7672
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Rotterdam , Netherlands
₽6730
₽13314
₽6285
₽1218
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
-
-
-
84 500
income
-
-
-
16 848
health
-
-
-
10 010
pensions
-
-
-
9 688
total
-
-
-
36 546
Employee
70 614
70 614
71 909
-
income

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

11 558
11 558
11 558
-
health
10 838
9 219
9 293
-
pensions
12 711
9 688
9 688
-
total
35 107
30 465
30 539
-
Employer
70 614
70 614
71 909
-
unemployment
2 542
2 542
2 589
-
pensions
4 915
4 915
5 004
-
health
4 908
4 908
4 998
-
total
12 365
12 365
12 591
-
Corporate
2 387
1 521
-
-
income
477
304
-
-
total
477
304
-
-
Dividends
1 910
1 216
-
-
withholding
287
182
-
-
income
406
259
-
-
total
693
441
-
-
Income
84 500
84 500
84 500
84 500
Total tax
48 642
43 575
43 130
36 546
After tax
35 858
40 925
41 370
47 954
Living cost
34 640
34 640
34 640
34 640
Free-cash
1 218
6 285
6 730
13 314

Estimated living cost  is ₽34640 per week

₽24549
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3123
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽551
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6418
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Dresden , Germany
₽34884
₽27631
₽17676
₽26819
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.

-
-
-
84 500
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.

-
-
-
17 934
health

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

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

-
-
-
5 649
trade
-
-
-
7 253
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.

-
-
-
987
total
-
-
-
31 823
Employee

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

31 627
-
84 500
-
income

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

883
-
17 934
-
health

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

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

5 649
-
5 649
-
surtax

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

49
-
987
-
total
6 581
-
24 570
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
52 873
84 500
-
-
chamber of commerce
201
246
-
-
income
7 931
12 674
-
-
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.

436
697
-
-
trade
8 328
13 308
-
-
total
16 896
26 925
-
-
Dividends
35 977
57 574
-
-
withholding
8 681
14 079
-
-
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.

477
774
-
-
total
9 158
14 853
-
-
Income
84 500
84 500
84 500
84 500
Total tax
32 635
41 778
24 570
31 823
After tax
51 865
42 722
59 930
52 677
Living cost
25 046
25 046
25 046
25 046
Free-cash
26 819
17 676
34 884
27 631

Estimated living cost  is ₽25046 per week

₽15755
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2920
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽468
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5903
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

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

Larnaca , Cyprus
₽40467
₽40552
₽42698
₽38197
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
-
-
-
84 500
income
-
-
-
9 467
social contributions
-
-
-
13 181
health
-
-
-
2 155
total
-
-
-
24 803
Employee
63 585
63 585
76 714
-
income
6 923
5 886
9 429
-
social contributions
2 404
5 277
6 368
-
health
493
1 081
1 304
-
total
9 820
12 244
17 101
-
Employer
63 585
63 585
76 714
-
social contributions
2 404
5 277
6 368
-
health
535
1 177
1 419
-
total
2 939
6 454
7 787
-
Corporate
52 596
14 461
-
-
income
6 575
1 808
-
-
total
6 575
1 808
-
-
Dividends
46 021
12 653
-
-
withholding
7 824
2 151
-
-
total
7 824
2 151
-
-
Income
84 500
84 500
84 500
84 500
Total tax
27 158
22 657
24 888
24 803
After tax
57 342
61 843
59 612
59 697
Living cost
19 145
19 145
19 145
19 145
Free-cash
38 197
42 698
40 467
40 552

Estimated living cost  is ₽19145 per week

₽11474
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1878
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽424
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5370
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Lisbon , Portugal
₽16833
₽21232
₽22126
₽21294
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.

-
-
-
84 500
income
-
-
-
7 967
social contributions

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

-
-
-
29 364
surtax
-
-
-
-
total
-
-
-
37 331
Employee
38 031
-
68 282
-
income
7 911
-
18 000
-
social contributions
4 183
-
7 512
-
surtax
-
-
-
-
total
12 094
-
25 512
-
Employer
38 031
-
68 282
-
social contributions
9 032
-
16 218
-
total
9 032
-
16 218
-
Corporate
37 437
84 500
-
-
income
7 862
17 745
-
-
surtax
-
-
-
-
total
7 862
17 745
-
-
Dividends
29 575
66 755
-
-
withholding
8 281
18 692
-
-
total
8 281
18 692
-
-
Income
84 500
84 500
84 500
84 500
Total tax
37 269
36 437
41 730
37 331
After tax
47 231
48 063
42 770
47 169
Living cost
25 937
25 937
25 937
25 937
Free-cash
21 294
22 126
16 833
21 232

Estimated living cost  is ₽25937 per week

₽19406
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1530
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽433
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4568
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Batumi , Georgia
₽61414
₽77469
₽74089
₽72930
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%.

-
-
-
84 500
microenterprise

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

-
-
-
845
total
-
-
-
845
Employee
7 732
-
84 500
-
income
1 546
-
16 900
-
total
1 546
-
16 900
-
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%.

76 768
84 500
-
-
total
-
-
-
-
Dividends
76 768
84 500
-
-
withholding
3 838
4 225
-
-
total
3 838
4 225
-
-
Income
84 500
84 500
84 500
84 500
Total tax
5 384
4 225
16 900
845
After tax
79 116
80 275
67 600
83 655
Living cost
6 186
6 186
6 186
6 186
Free-cash
72 930
74 089
61 414
77 469

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
₽19038
₽21459
₽36000
₽29081
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.

-
-
-
84 500
income
-
-
-
16 988
health
-
-
-
8 315
unemployment
-
-
-
127
pensions
-
-
-
15 432
total
-
-
-
40 862
Employee

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

36 566
-
73 114
-
income
6 306
-
15 740
-
health
2 362
-
4 723
-
unemployment
52
-
102
-
pensions
5 668
-
11 333
-
total
14 388
-
31 898
-
Employer

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

36 566
-
73 114
-
unemployment
22
-
44
-
pensions
3 236
-
6 470
-
health
2 435
-
4 871
-
total
5 693
-
11 385
-
Corporate
42 241
84 500
-
-
income
8 026
16 054
-
-
total
8 026
16 054
-
-
Dividends
34 215
68 446
-
-
withholding
5 133
10 267
-
-
total
5 133
10 267
-
-
Income
84 500
84 500
84 500
84 500
Total tax
33 240
26 321
43 283
40 862
After tax
51 260
58 179
41 217
43 638
Living cost
22 179
22 179
22 179
22 179
Free-cash
29 081
36 000
19 038
21 459

Estimated living cost  is ₽22179 per week

₽15221
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1422
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽430
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5108
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Sliema , Malta
₽32070
₽25514
₽20539
₽23627
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.

-
-
-
84 500
income
-
-
-
23 538
health

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

-
-
-
5 431
total
-
-
-
28 969
Employee
37 933
-
80 696
-
social contributions
3 801
-
3 804
-
income
4 116
-
14 805
-
total
7 917
-
18 609
-
Employer
37 933
-
80 696
-
social contributions
3 801
-
3 804
-
total
3 801
-
3 804
-
Corporate
42 766
84 500
-
-
income
14 969
29 575
-
-
total
14 969
29 575
-
-
Dividends
27 798
54 925
-
-
social contributions
4 169
4 369
-
-
total
4 169
4 369
-
-
Income
84 500
84 500
84 500
84 500
Total tax
30 856
33 944
22 413
28 969
After tax
53 644
50 556
62 087
55 531
Living cost
30 017
30 017
30 017
30 017
Free-cash
23 627
20 539
32 070
25 514

Estimated living cost  is ₽30017 per week

₽19772
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2366
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽460
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7418
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Vilnius , Lithuania
₽36785
₽36732
₽34017
₽34449
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
-
-
-
84 500
income
-
-
-
12 674
social contributions
-
-
-
11 661
health
-
-
-
5 899
total
-
-
-
30 234
Employee
28 037
-
84 500
-
income
4 676
-
12 621
-
social contributions
3 870
-
11 661
-
health
1 957
-
5 899
-
total
10 503
-
30 181
-
Employer
28 037
-
84 500
-
total
-
-
-
-
Corporate
56 463
84 500
-
-
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%.

2 823
4 224
-
-
total
2 823
4 224
-
-
Dividends
53 640
80 276
-
-
withholding
8 045
12 042
-
-
health
3 744
5 604
-
-
social contributions
7 402
11 079
-
-
total
19 191
28 725
-
-
Income
84 500
84 500
84 500
84 500
Total tax
32 517
32 949
30 181
30 234
After tax
51 983
51 551
54 319
54 266
Living cost
17 534
17 534
17 534
17 534
Free-cash
34 449
34 017
36 785
36 732

Estimated living cost  is ₽17534 per week

₽11734
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1081
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽403
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4314
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Prague , Czech Republic
₽20216
₽18490
₽35513
₽27426
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
-
-
-
84 500
income
-
-
-
7 263
social contributions
-
-
-
24 674
solidarity contribution
-
-
-
-
health
-
-
-
11 408
total
-
-
-
43 345
Employee
33 331
-
63 060
-
solidarity contribution
-
-
-
-
income
4 000
-
7 567
-
social contributions
2 167
-
4 099
-
health
4 500
-
8 513
-
total
10 667
-
20 179
-
Employer
33 331
-
63 060
-
social contributions
8 333
-
15 765
-
health
3 000
-
5 675
-
total
11 333
-
21 440
-
Corporate
39 836
84 500
-
-
income
7 569
16 055
-
-
total
7 569
16 055
-
-
Dividends
32 267
68 445
-
-
withholding
4 840
10 267
-
-
total
4 840
10 267
-
-
Income
84 500
84 500
84 500
84 500
Total tax
34 409
26 322
41 619
43 345
After tax
50 091
58 178
42 881
41 155
Living cost
22 665
22 665
22 665
22 665
Free-cash
27 426
35 513
20 216
18 490

Estimated living cost  is ₽22665 per week

₽16855
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1256
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽392
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4162
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Tbilisi , Georgia
₽57961
₽74016
₽70636
₽68828
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%.

-
-
-
84 500
microenterprise

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

-
-
-
845
total
-
-
-
845
Employee
12 049
-
84 500
-
income
2 410
-
16 900
-
total
2 410
-
16 900
-
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%.

72 451
84 500
-
-
total
-
-
-
-
Dividends
72 451
84 500
-
-
withholding
3 623
4 225
-
-
total
3 623
4 225
-
-
Income
84 500
84 500
84 500
84 500
Total tax
6 033
4 225
16 900
845
After tax
78 467
80 275
67 600
83 655
Living cost
9 639
9 639
9 639
9 639
Free-cash
68 828
70 636
57 961
74 016

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
₽13146
₽8668
₽2649
₽8334
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
-
-
-
84 500
income
-
-
-
8 302
social contributions
-
-
-
2 409
health
-
-
-
1 665
surtax
-
-
-
-
pensions
-
-
-
20 896
other
-
-
-
2 622
total
-
-
-
35 894
Employee
51 790
-
68 532
-
income
4 519
-
10 188
-
social contributions
1 475
-
1 954
-
surtax
-
-
-
-
pensions
5 858
-
3 305
-
total
11 852
-
15 447
-
Employer
51 790
-
68 532
-
unemployment
2 098
-
2 776
-
social contributions
155
-
206
-
pensions
8 510
-
5 825
-
other
1 787
-
2 365
-
health
3 625
-
4 797
-
total
16 175
-
15 969
-
Corporate
16 534
84 500
-
-
income
4 629
23 660
-
-
surtax
-
-
-
-
total
4 629
23 660
-
-
Dividends
11 905
60 840
-
-
withholding
1 524
7 788
-
-
surtax
-
-
-
-
social contributions
2 048
10 465
-
-
total
3 572
18 253
-
-
Income
84 500
84 500
84 500
84 500
Total tax
36 228
41 913
31 416
35 894
After tax
48 272
42 587
53 084
48 606
Living cost
39 938
39 938
39 938
39 938
Free-cash
8 334
2 649
13 146
8 668

Estimated living cost  is ₽39938 per week

₽27029
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3267
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽548
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9094
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Belgrade , Serbia
₽30708
₽30708
₽46801
₽42746
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.

-
-
-
84 500
income
-
-
-
16 524
health
-
-
-
6 272
unemployment
-
-
-
913
pensions
-
-
-
15 833
total
-
-
-
39 542
Employee

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

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

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

21 488
-
73 600
-
income
2 962
-
16 524
-
health
1 107
-
3 136
-
unemployment
161
-
457
-
pensions
3 008
-
8 525
-
total
7 238
-
28 642
-
Employer

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

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

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

21 488
-
73 600
-
unemployment
161
-
457
-
pensions
2 579
-
7 307
-
health
1 107
-
3 136
-
total
3 847
-
10 900
-
Corporate
59 166
84 500
-
-
income
8 875
12 675
-
-
total
8 875
12 675
-
-
Dividends
50 291
71 825
-
-
withholding
7 544
10 774
-
-
total
7 544
10 774
-
-
Income
84 500
84 500
84 500
84 500
Total tax
27 504
23 449
39 542
39 542
After tax
56 996
61 051
44 958
44 958
Living cost
14 250
14 250
14 250
14 250
Free-cash
42 746
46 801
30 708
30 708

Estimated living cost  is ₽14250 per week

₽9595
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1102
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽412
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3141
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Zurich , Switzerland
₽8082
₽12273
-₽19229
₽5531
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
-
-
-
84 500
regional
-
-
-
3 139
national
-
-
-
675
health
-
-
-
190
city
-
-
-
890
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.

-
-
-
1 690
pensions
-
-
-
7 775
total
-
-
-
14 359
Employee
67 720
-
75 633
-
regional
2 217
-
2 680
-
city
727
-
813
-
health
153
-
169
-
unemployment
-
-
-
-
national
321
-
502
-
pensions
5 689
-
6 352
-
total
9 107
-
10 516
-
Employer
67 720
-
75 633
-
unemployment
-
-
-
-
pensions
5 689
-
6 352
-
other

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

1 354
-
1 513
-
health
153
-
169
-
total
7 196
-
8 034
-
Corporate
8 839
84 500
-
-
regional
1 870
17 872
-
-
national
752
7 183
-
-
total
2 622
25 055
-
-
Dividends
6 217
59 445
-
-
withholding
2 176
20 806
-
-
total
2 176
20 806
-
-
Income
84 500
84 500
84 500
84 500
Total tax
21 101
45 861
18 550
14 359
After tax
63 399
38 639
65 950
70 141
Living cost
57 868
57 868
57 868
57 868
Free-cash
5 531
-19 229
8 082
12 273

Estimated living cost  is ₽57868 per week

₽37631
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5193
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽710
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽14333
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details

Additional information

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

Helsinki , Finland
₽16316
₽28053
₽24299
₽22686
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

-
-
-
84 500
municipal
-
-
-
15 038
national
-
-
-
8 706
health
-
-
-
956
total
-
-
-
24 700
Employee
43 505
-
71 086
-
health
325
-
750
-
unemployment
653
-
1 067
-
national
719
-
4 803
-
municipal
7 126
-
11 604
-
pensions
2 936
-
4 799
-
total
11 759
-
23 023
-
Employer
43 505
-
71 086
-
unemployment
282
-
461
-
pensions
7 548
-
12 334
-
accident
44
-
71
-
health
334
-
548
-
total
8 208
-
13 414
-
Corporate
32 787
84 500
-
-
income
6 558
16 900
-
-
total
6 558
16 900
-
-
Dividends

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

19 672
50 700
-
-
national
-
2 428
-
-
municipal
3 542
9 126
-
-
total
3 542
11 554
-
-
Income
84 500
84 500
84 500
84 500
Total tax
30 067
28 454
36 437
24 700
After tax
54 433
56 046
48 063
59 800
Living cost
31 747
31 747
31 747
31 747
Free-cash
22 686
24 299
16 316
28 053

Estimated living cost  is ₽31747 per week

₽20737
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3054
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽505
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7452
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

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

Brussels , Belgium
₽2682
₽9317
₽17236
₽4832
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
-
-
-
84 500
national
-
-
-
27 480
social contributions
-
-
-
13 280
communal

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

-
-
-
4 273
total
-
-
-
45 033
Employee

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

59 149
-
65 448
-
health

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

2 779
-
3 077
-
communal

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

3 085
-
3 413
-
unemployment

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

515
-
570
-
national
18 185
-
20 648
-
pensions

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

4 436
-
4 908
-
total
29 000
-
32 616
-
Employer

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

59 149
-
65 448
-
unemployment

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

863
-
956
-
pensions

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

5 241
-
5 798
-
surtax
6 707
-
7 422
-
accident

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

769
-
851
-
health

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

3 637
-
4 025
-
total
17 217
-
19 052
-
Corporate
8 134
84 500
-
-
income
1 627
16 900
-
-
surtax
33
337
-
-
total
1 660
17 237
-
-
Dividends
6 474
67 262
-
-
withholding

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

1 641
19 877
-
-
total
1 641
19 877
-
-
Income
84 500
84 500
84 500
84 500
Total tax
49 518
37 114
51 668
45 033
After tax
34 982
47 386
32 832
39 467
Living cost
30 150
30 150
30 150
30 150
Free-cash
4 832
17 236
2 682
9 317

Estimated living cost  is ₽30150 per week

₽19420
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2636
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽472
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7622
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Stockholm , Sweden
₽11117
₽10141
₽12130
₽11366
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
-
-
-
84 500
municipal
-
-
-
18 759
national
-
-
-
-
health
-
-
-
4 651
accident
-
-
-
149
unemployment
-
-
-
75
pensions
-
-
-
8 057
other
-
-
-
8 661
total
-
-
-
40 352
Employee
48 457
-
64 298
-
national
-
-
-
-
municipal
14 450
-
19 174
-
total
14 450
-
19 174
-
Employer
48 457
-
64 298
-
unemployment
1 279
-
1 697
-
pensions
5 238
-
6 951
-
other
5 631
-
7 471
-
accident
97
-
129
-
health
2 980
-
3 954
-
total
15 225
-
20 202
-
Corporate
20 818
84 500
-
-
income
4 580
18 590
-
-
total
4 580
18 590
-
-
Dividends
16 238
65 910
-
-
withholding
4 872
19 773
-
-
total
4 872
19 773
-
-
Income
84 500
84 500
84 500
84 500
Total tax
39 127
38 363
39 376
40 352
After tax
45 373
46 137
45 124
44 148
Living cost
34 007
34 007
34 007
34 007
Free-cash
11 366
12 130
11 117
10 141

Estimated living cost  is ₽34007 per week

₽22538
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3337
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽516
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7615
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Oslo , Norway
₽35307
₽20697
₽13711
-₽45773
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
-
-
-
84 500
income
-
-
-
16 471
social contributions
-
-
-
9 633
total
-
-
-
26 104
Employee
54 055
-
-
-
income
11 923
-
-
-
social contributions
4 433
-
632
-
total
16 356
-
632
-
Employer
54 055
-
-
-
social contributions
76 218
-
10 862
-
total
76 218
-
10 862
-
Corporate
-
84 500
-
-
income
-
18 590
-
-
total
-
18 590
-
-
Dividends
-
65 910
-
-
income
-
14 500
-
-
total
-
14 500
-
-
Income
84 500
84 500
84 500
84 500
Total tax
92 574
33 090
11 494
26 104
After tax
-8 074
51 410
73 006
58 396
Living cost
37 699
37 699
37 699
37 699
Free-cash
-45 773
13 711
35 307
20 697

Estimated living cost  is ₽37699 per week

₽24461
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3546
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽480
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9212
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Limassol , Cyprus
₽32791
₽32877
₽35022
₽31593
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
-
-
-
84 500
income
-
-
-
9 467
social contributions
-
-
-
13 181
health
-
-
-
2 155
total
-
-
-
24 803
Employee
63 585
63 585
76 714
-
income
6 677
5 886
9 429
-
social contributions
3 090
5 277
6 368
-
health
632
1 081
1 304
-
total
10 399
12 244
17 101
-
Employer
63 585
63 585
76 714
-
social contributions
3 090
5 277
6 368
-
health
689
1 177
1 419
-
total
3 779
6 454
7 787
-
Corporate
43 502
14 461
-
-
income
5 437
1 808
-
-
total
5 437
1 808
-
-
Dividends
38 065
12 653
-
-
withholding
6 471
2 151
-
-
total
6 471
2 151
-
-
Income
84 500
84 500
84 500
84 500
Total tax
26 086
22 657
24 888
24 803
After tax
58 414
61 843
59 612
59 697
Living cost
26 820
26 820
26 820
26 820
Free-cash
31 593
35 022
32 791
32 877

Estimated living cost  is ₽26820 per week

₽18335
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2095
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽450
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5941
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Edinburgh , United Kingdom
₽22602
₽30230
₽31432
₽28499
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
-
-
-
84 500
income
-
-
-
17 902
pensions
-
-
-
6 144
total
-
-
-
24 046
Employee
41 487
-
74 361
-
income
7 555
-
13 207
-
health
541
-
1 215
-
pensions
3 166
-
7 113
-
total
11 262
-
21 535
-
Employer
41 487
-
74 361
-
pensions
4 192
-
8 727
-
health
788
-
1 412
-
total
4 980
-
10 139
-
Corporate
38 033
84 500
-
-
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.

7 225
16 055
-
-
total
7 225
16 055
-
-
Dividends
30 808
68 445
-
-
withholding
2 310
6 789
-
-
total
2 310
6 789
-
-
Income
84 500
84 500
84 500
84 500
Total tax
25 777
22 844
31 674
24 046
After tax
58 723
61 656
52 826
60 454
Living cost
30 224
30 224
30 224
30 224
Free-cash
28 499
31 432
22 602
30 230

Estimated living cost  is ₽30224 per week

₽20734
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2779
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽378
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6331
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details

Additional information

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

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

Rome , Italy
₽5614
₽9478
₽11565
₽7805
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
-
-
-
84 500
municipal
-
-
-
565
regional
-
-
-
1 705
national
-
-
-
18 077
social contributions
-
-
-
21 733
total
-
-
-
42 080
Employee
69 680
-
84 500
-
regional
1 052
-
1 438
-
social contributions
23 496
-
28 494
-
national
11 775
-
15 508
-
municipal
416
-
504
-
total
36 739
-
45 944
-
Employer
69 680
-
84 500
-
total
-
-
-
-
Corporate
14 820
84 500
-
-
nationa
3 557
20 280
-
-
municipal
714
4 074
-
-
total
4 271
24 354
-
-
Dividends
10 549
60 146
-
-
withholding
2 743
15 639
-
-
total
2 743
15 639
-
-
Income
84 500
84 500
84 500
84 500
Total tax
43 753
39 993
45 944
42 080
After tax
40 747
44 507
38 556
42 420
Living cost
32 942
32 942
32 942
32 942
Free-cash
7 805
11 565
5 614
9 478

Estimated living cost  is ₽32942 per week

₽23139
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2266
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽497
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7038
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Gdansk , Poland
₽26709
₽40667
-₽10449
₽4193
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
-
-
-
84 500
income
-
-
-
21 066
health
-
-
-
1 714
accident
-
-
-
198
pensions
-
-
-
3 271
other
-
-
-
291
total
-
-
-
26 540
Employee
27 203
-
72 839
-
income
3 732
-
14 499
-
health
3 115
-
8 340
-
pensions
3 063
-
5 997
-
total
9 910
-
28 836
-
Employer
27 203
-
72 839
-
unemployment
666
-
1 785
-
pensions
4 423
-
8 660
-
accident
454
-
1 217
-
total
5 543
-
11 662
-
Corporate
51 753
84 500
-
-
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.

46 578
76 050
-
-
total
46 578
76 050
-
-
Dividends
5 175
8 450
-
-
withholding
983
1 606
-
-
total
983
1 606
-
-
Income
84 500
84 500
84 500
84 500
Total tax
63 014
77 656
40 498
26 540
After tax
21 486
6 844
44 002
57 960
Living cost
17 293
17 293
17 293
17 293
Free-cash
4 193
-10 449
26 709
40 667

Estimated living cost  is ₽17293 per week

₽12674
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽958
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽361
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3300
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

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

Berlin , Germany
₽28006
₽21397
₽11665
₽22480
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.

-
-
-
84 500
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.

-
-
-
17 934
health

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

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

-
-
-
5 649
trade
-
-
-
6 609
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.

-
-
-
987
total
-
-
-
31 179
Employee

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

41 143
-
84 500
-
income

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

3 383
-
17 934
-
health

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

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

5 649
-
5 649
-
surtax

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

187
-
987
-
total
9 219
-
24 570
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
43 357
84 500
-
-
chamber of commerce
190
250
-
-
income
6 503
12 674
-
-
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.

358
697
-
-
trade
6 222
12 125
-
-
total
13 273
25 746
-
-
Dividends
30 084
58 754
-
-
withholding
7 207
14 374
-
-
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.

397
791
-
-
total
7 604
15 165
-
-
Income
84 500
84 500
84 500
84 500
Total tax
30 096
40 911
24 570
31 179
After tax
54 404
43 589
59 930
53 321
Living cost
31 924
31 924
31 924
31 924
Free-cash
22 480
11 665
28 006
21 397

Estimated living cost  is ₽31924 per week

₽22022
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3435
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽463
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6004
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

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

Riga , Latvia
₽30406
₽27885
₽50397
₽43615
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.

-
-
-
84 500
microenterprise
-
-
-
-
income
-
-
-
12 246
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.

-
-
-
27 166
surtax
-
-
-
-
total
-
-
-
39 412
Employee
24 162
-
68 096
-
income
4 301
-
12 997
-
social contributions

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

2 658
-
7 490
-
surtax
-
-
-
-
total
6 959
-
20 487
-
Employer
24 162
-
68 096
-
social contributions

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

5 820
-
16 404
-
surtax
-
-
-
-
total
5 820
-
16 404
-
Corporate
54 517
84 500
-
-
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%.

10 903
16 900
-
-
total
10 903
16 900
-
-
Dividends

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

43 615
67 600
-
-
total
-
-
-
-
Income
84 500
84 500
84 500
84 500
Total tax
23 682
16 900
36 891
39 412
After tax
60 818
67 600
47 609
45 088
Living cost
17 203
17 203
17 203
17 203
Free-cash
43 615
50 397
30 406
27 885

Estimated living cost  is ₽17203 per week

₽10975
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1638
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽391
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4199
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Istanbul , Turkey
₽37215
₽37975
₽42049
₽40295
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
-
-
-
84 500
income
-
-
-
22 410
health
-
-
-
5 647
pensions
-
-
-
7 789
total
-
-
-
35 846
Employee
16 264
-
75 737
-
income
3 146
-
22 001
-
health
813
-
1 947
-
unemployment
163
-
390
-
pensions
1 464
-
3 505
-
total
5 586
-
27 843
-
Employer
16 264
-
75 737
-
unemployment
325
-
779
-
pensions
1 789
-
4 284
-
health
1 545
-
3 700
-
total
3 659
-
8 763
-
Corporate
64 576
84 500
-
-
income
14 207
18 590
-
-
total
14 207
18 590
-
-
Dividends
50 369
65 910
-
-
withholding
10 074
13 182
-
-
total
10 074
13 182
-
-
Income
84 500
84 500
84 500
84 500
Total tax
33 526
31 772
36 606
35 846
After tax
50 974
52 728
47 894
48 654
Living cost
10 679
10 679
10 679
10 679
Free-cash
40 295
42 049
37 215
37 975

Estimated living cost  is ₽10679 per week

₽6346
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽866
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽245
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3222
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details
Athens , Greece
₽23075
₽24716
₽34578
₽31948
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
-
-
-
84 500
income
-
-
-
16 131
health
-
-
-
5 999
unemployment
-
-
-
188
surtax
-
-
-
1 993
pensions
-
-
-
16 900
other
-
-
-
-
total
-
-
-
41 211
Employee
27 847
-
69 806
-
other
-
-
-
-
income
4 668
-
15 060
-
health
711
-
1 779
-
unemployment
1 938
-
4 858
-
surtax
99
-
1 805
-
pensions
1 858
-
4 656
-
total
9 274
-
28 158
-
Employer
27 847
-
69 806
-
unemployment
883
-
2 213
-
pensions
3 713
-
9 305
-
other
-
-
-
-
health
1 266
-
3 176
-
total
5 862
-
14 694
-
Corporate
50 790
84 500
-
-
income
13 205
21 970
-
-
total
13 205
21 970
-
-
Dividends
37 586
62 530
-
-
withholding
5 638
9 379
-
-
total
5 638
9 379
-
-
Income
84 500
84 500
84 500
84 500
Total tax
33 979
31 349
42 852
41 211
After tax
50 521
53 151
41 648
43 289
Living cost
18 573
18 573
18 573
18 573
Free-cash
31 948
34 578
23 075
24 716

Estimated living cost  is ₽18573 per week

₽11213
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1615
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽432
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5315
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details
Graz , Austria
-₽949
₽16421
₽21044
₽20638
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
-
-
-
84 500
income
-
-
-
14 193
chamber of commerce
-
-
-
337
health
-
-
-