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
₽30184
₽22003
₽23130
₽34467
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
unemployment
-
-
-
530
income
-
-
-
16 199
other
-
-
-
76
accident
-
-
-
682
pensions
-
-
-
21 423
total
-
-
-
38 910
Employee
30 200
-
64 072
-
unemployment
468
-
994
-
pensions
1 420
-
3 012
-
income
5 822
-
15 539
-
other
29
-
64
-
total
7 739
-
19 609
-
Employer
30 200
-
64 072
-
pensions
7 127
-
15 121
-
accident
598
-
1 269
-
unemployment
1 662
-
3 525
-
other
242
-
513
-
total
9 629
-
20 428
-
Corporate
44 672
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.

6 700
12 675
-
-
total
6 700
12 675
-
-
Dividends
37 971
71 825
-
-
withholding
7 788
14 898
-
-
total
7 788
14 898
-
-
Income
84 500
84 500
84 500
84 500
Total tax
31 856
27 573
40 037
38 910
After tax
52 644
56 927
44 463
45 590
Living cost
22 460
22 460
22 460
22 460
Free-cash
30 184
34 467
22 003
23 130

Estimated living cost  is ₽22460 per week

₽15160
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2159
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽394
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4747
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Bratislava , Slovakia
₽34807
₽27558
₽23993
₽40319
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
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.

-
-
-
20 279
income
-
-
-
10 733
other
-
-
-
4 014
health
-
-
-
3 718
total
-
-
-
38 744
Employee
29 655
-
67 493
-
health
415
-
945
-
unemployment
296
-
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.

2 075
-
4 724
-
income
5 105
-
11 831
-
total
7 891
-
18 174
-
Employer
29 655
-
67 493
-
health
415
-
945
-
pensions

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

5 042
-
11 473
-
accident
237
-
539
-
unemployment
296
-
674
-
other
1 483
-
3 374
-
total
7 473
-
17 005
-
Corporate
47 371
84 500
-
-
income
9 947
17 745
-
-
total
9 947
17 745
-
-
Dividends
37 424
66 755
-
-
withholding
2 619
4 673
-
-
total
2 619
4 673
-
-
Income
84 500
84 500
84 500
84 500
Total tax
27 930
22 418
35 179
38 744
After tax
56 570
62 082
49 321
45 756
Living cost
21 763
21 763
21 763
21 763
Free-cash
34 807
40 319
27 558
23 993

Estimated living cost  is ₽21763 per week

₽15377
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1469
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽350
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4566
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Varna , Bulgaria
₽57748
₽56176
₽53502
₽61541
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
pensions

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

-
-
-
4 222
unemployment
-
-
-
114
income
-
-
-
12 675
health
-
-
-
3 280
total
-
-
-
20 291
Employee
14 177
-
78 904
-
health
652
-
1 312
-
accident

We are using the highest rate at 1.1%.

156
-
314
-
pensions

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

1 245
-
2 505
-
income
1 417
-
7 890
-
total
3 470
-
12 021
-
Employer
14 177
-
78 904
-
health
979
-
1 968
-
pensions

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

1 562
-
3 143
-
accident

We are using the highest rate at 1.1%.

156
-
314
-
unemployment
85
-
171
-
total
2 782
-
5 596
-
Corporate
67 541
84 500
-
-
income
6 754
8 450
-
-
total
6 754
8 450
-
-
Dividends
60 787
76 050
-
-
withholding
3 039
3 802
-
-
total
3 039
3 802
-
-
Income
84 500
84 500
84 500
84 500
Total tax
16 045
12 252
17 617
20 291
After tax
68 455
72 248
66 883
64 209
Living cost
10 707
10 707
10 707
10 707
Free-cash
57 748
61 541
56 176
53 502

Estimated living cost  is ₽10707 per week

₽6251
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽765
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽284
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3408
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
₽19469
₽24969
₽20631
₽14645
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
-
-
-
8 447
other
-
-
-
2 624
health
-
-
-
1 719
social contributions
-
-
-
2 409
pensions
-
-
-
20 726
surtax
-
-
-
-
total
-
-
-
35 925
Employee
34 956
-
68 483
-
pensions
3 952
-
3 345
-
income
2 063
-
10 272
-
social contributions
997
-
1 951
-
surtax
-
-
-
-
total
7 012
-
15 568
-
Employer
34 956
-
68 483
-
health
2 447
-
4 794
-
social contributions
105
-
206
-
pensions
5 742
-
5 884
-
unemployment
1 415
-
2 773
-
other
1 206
-
2 362
-
total
10 915
-
16 019
-
Corporate
38 628
84 500
-
-
income
10 815
23 660
-
-
surtax
-
-
-
-
total
10 815
23 660
-
-
Dividends
27 813
60 840
-
-
social contributions
4 785
10 464
-
-
surtax
-
-
-
-
withholding
3 560
7 787
-
-
total
8 345
18 251
-
-
Income
84 500
84 500
84 500
84 500
Total tax
37 087
41 911
31 587
35 925
After tax
47 413
42 589
52 913
48 575
Living cost
27 944
27 944
27 944
27 944
Free-cash
19 469
14 645
24 969
20 631

Estimated living cost  is ₽27944 per week

₽17620
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2272
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽476
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7578
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Rotterdam , Netherlands
₽1733
₽7480
₽13732
₽6737
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
pensions
-
-
-
9 569
income
-
-
-
17 037
health
-
-
-
9 947
total
-
-
-
36 553
Employee
69 747
69 747
71 910
-
health
10 705
9 106
9 230
-
pensions
12 554
9 569
9 569
-
income

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

11 416
11 416
11 416
-
total
34 675
30 091
30 215
-
Employer
69 747
69 747
71 910
-
health
4 848
4 848
4 997
-
pensions
4 854
4 854
5 005
-
unemployment
2 511
2 511
2 588
-
total
12 213
12 213
12 590
-
Corporate
3 395
2 540
-
-
income
679
508
-
-
total
679
508
-
-
Dividends
2 716
2 031
-
-
income
577
431
-
-
withholding
408
305
-
-
total
985
736
-
-
Income
84 500
84 500
84 500
84 500
Total tax
48 552
43 548
42 805
36 553
After tax
35 948
40 952
41 695
47 947
Living cost
34 215
34 215
34 215
34 215
Free-cash
1 733
6 737
7 480
13 732

Estimated living cost  is ₽34215 per week

₽24247
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3084
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽544
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6339
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Dresden , Germany
₽27009
₽35059
₽27731
₽17977
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
trade
-
-
-
7 328
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.

-
-
-
18 125
health

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

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

-
-
-
5 580
surtax

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

-
-
-
997
total
-
-
-
32 030
Employee

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

31 239
-
84 500
-
health

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

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

5 580
-
5 580
-
income

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

873
-
18 125
-
surtax

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

48
-
997
-
total
6 501
-
24 702
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
53 261
84 500
-
-
income
7 990
12 675
-
-
trade
8 388
13 309
-
-
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.

440
697
-
-
chamber of commerce
200
245
-
-
total
17 018
26 926
-
-
Dividends
36 243
57 573
-
-
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.

482
775
-
-
withholding
8 751
14 083
-
-
total
9 233
14 858
-
-
Income
84 500
84 500
84 500
84 500
Total tax
32 752
41 784
24 702
32 030
After tax
51 748
42 716
59 798
52 470
Living cost
24 739
24 739
24 739
24 739
Free-cash
27 009
17 977
35 059
27 731

Estimated living cost  is ₽24739 per week

₽15561
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2884
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽462
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5831
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

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

Larnaca , Cyprus
₽38484
₽40564
₽40649
₽42928
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
-
-
-
9 605
health
-
-
-
2 154
social contributions
-
-
-
13 182
total
-
-
-
24 941
Employee
62 804
62 804
76 713
-
health
487
1 068
1 303
-
income
6 838
5 814
9 569
-
social contributions
2 374
5 212
6 367
-
total
9 699
12 094
17 239
-
Employer
62 804
62 804
76 713
-
health
529
1 162
1 420
-
social contributions
2 374
5 212
6 367
-
total
2 903
6 374
7 787
-
Corporate
52 988
15 321
-
-
income
6 623
1 916
-
-
total
6 623
1 916
-
-
Dividends
46 365
13 405
-
-
withholding
7 881
2 278
-
-
total
7 881
2 278
-
-
Income
84 500
84 500
84 500
84 500
Total tax
27 106
22 662
25 026
24 941
After tax
57 394
61 838
59 474
59 559
Living cost
18 910
18 910
18 910
18 910
Free-cash
38 484
42 928
40 564
40 649

Estimated living cost  is ₽18910 per week

₽11333
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1855
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽418
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5304
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Lisbon , Portugal
₽21623
₽17038
₽21502
₽22445
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
-
-
-
8 016
social contributions

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

-
-
-
29 363
surtax
-
-
-
-
total
-
-
-
37 379
Employee
37 564
-
68 283
-
income
7 813
-
18 115
-
social contributions
4 132
-
7 511
-
surtax
-
-
-
-
total
11 945
-
25 626
-
Employer
37 564
-
68 283
-
social contributions
8 921
-
16 217
-
total
8 921
-
16 217
-
Corporate
38 015
84 500
-
-
income
7 984
17 745
-
-
surtax
-
-
-
-
total
7 984
17 745
-
-
Dividends
30 031
66 755
-
-
withholding
8 408
18 691
-
-
total
8 408
18 691
-
-
Income
84 500
84 500
84 500
84 500
Total tax
37 258
36 436
41 843
37 379
After tax
47 242
48 064
42 657
47 121
Living cost
25 619
25 619
25 619
25 619
Free-cash
21 623
22 445
17 038
21 502

Estimated living cost  is ₽25619 per week

₽19168
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1511
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽428
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4512
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Batumi , Georgia
₽73042
₽61509
₽77564
₽74184
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
7 614
-
84 500
-
income
1 523
-
16 900
-
total
1 523
-
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%.

76 886
84 500
-
-
total
-
-
-
-
Dividends
76 886
84 500
-
-
withholding
3 844
4 225
-
-
total
3 844
4 225
-
-
Income
84 500
84 500
84 500
84 500
Total tax
5 367
4 225
16 900
845
After tax
79 133
80 275
67 600
83 655
Living cost
6 091
6 091
6 091
6 091
Free-cash
73 042
74 184
61 509
77 564

Estimated living cost  is ₽6091 per week

₽3775
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽506
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽167
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽1643
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
₽29440
₽19267
₽21688
₽36270
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
pensions
-
-
-
15 431
unemployment
-
-
-
127
income
-
-
-
17 032
health
-
-
-
8 315
total
-
-
-
40 905
Employee

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

36 117
-
73 116
-
health
2 333
-
4 723
-
unemployment
51
-
102
-
pensions
5 598
-
11 333
-
income
6 228
-
15 784
-
total
14 210
-
31 942
-
Employer

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

36 117
-
73 116
-
health
2 405
-
4 870
-
pensions
3 196
-
6 471
-
unemployment
22
-
43
-
total
5 623
-
11 384
-
Corporate
42 760
84 500
-
-
income
8 125
16 056
-
-
total
8 125
16 056
-
-
Dividends
34 635
68 444
-
-
withholding
5 195
10 267
-
-
total
5 195
10 267
-
-
Income
84 500
84 500
84 500
84 500
Total tax
33 153
26 323
43 326
40 905
After tax
51 347
58 177
41 174
43 595
Living cost
21 907
21 907
21 907
21 907
Free-cash
29 440
36 270
19 267
21 688

Estimated living cost  is ₽21907 per week

₽15034
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1404
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽425
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5045
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Sliema , Malta
₽23913
₽32454
₽26432
₽20963
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
-
-
-
23 249
health

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

-
-
-
5 171
total
-
-
-
28 420
Employee
37 468
-
80 743
-
social contributions
3 754
-
3 757
-
income
4 065
-
14 884
-
total
7 819
-
18 641
-
Employer
37 468
-
80 743
-
social contributions
3 754
-
3 757
-
total
3 754
-
3 757
-
Corporate
43 279
84 500
-
-
income
15 147
29 574
-
-
total
15 147
29 574
-
-
Dividends
28 131
54 926
-
-
social contributions
4 219
4 315
-
-
total
4 219
4 315
-
-
Income
84 500
84 500
84 500
84 500
Total tax
30 939
33 889
22 398
28 420
After tax
53 561
50 611
62 102
56 080
Living cost
29 648
29 648
29 648
29 648
Free-cash
23 913
20 963
32 454
26 432

Estimated living cost  is ₽29648 per week

₽19529
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2337
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽454
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7327
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Vilnius , Lithuania
₽34658
₽36948
₽36947
₽34235
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
-
-
-
5 897
social contributions
-
-
-
11 662
total
-
-
-
30 234
Employee
27 693
-
84 500
-
health
1 933
-
5 897
-
income
4 619
-
12 674
-
social contributions
3 822
-
11 662
-
total
10 374
-
30 233
-
Employer
27 693
-
84 500
-
total
-
-
-
-
Corporate
56 807
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%.

2 841
4 225
-
-
total
2 841
4 225
-
-
Dividends
53 966
80 275
-
-
social contributions
7 447
11 077
-
-
withholding
8 095
12 041
-
-
health
3 766
5 603
-
-
total
19 308
28 721
-
-
Income
84 500
84 500
84 500
84 500
Total tax
32 523
32 946
30 233
30 234
After tax
51 977
51 554
54 267
54 266
Living cost
17 319
17 319
17 319
17 319
Free-cash
34 658
34 235
36 948
36 947

Estimated living cost  is ₽17319 per week

₽11590
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1068
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽398
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4261
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Prague , Czech Republic
₽27292
₽20116
₽18391
₽35413
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
health
-
-
-
11 407
social contributions
-
-
-
24 674
solidarity contribution
-
-
-
-
total
-
-
-
43 344
Employee
33 479
-
63 060
-
health
4 520
-
8 513
-
solidarity contribution
-
-
-
-
income
4 017
-
7 567
-
social contributions
2 176
-
4 099
-
total
10 713
-
20 179
-
Employer
33 479
-
63 060
-
health
3 013
-
5 675
-
social contributions
8 370
-
15 765
-
total
11 383
-
21 440
-
Corporate
39 639
84 500
-
-
income
7 531
16 055
-
-
total
7 531
16 055
-
-
Dividends
32 107
68 445
-
-
withholding
4 816
10 267
-
-
total
4 816
10 267
-
-
Income
84 500
84 500
84 500
84 500
Total tax
34 443
26 322
41 619
43 344
After tax
50 057
58 178
42 881
41 156
Living cost
22 765
22 765
22 765
22 765
Free-cash
27 292
35 413
20 116
18 391

Estimated living cost  is ₽22765 per week

₽16930
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1261
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽394
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4181
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Tbilisi , Georgia
₽69003
₽58108
₽74163
₽70783
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
11 865
-
84 500
-
income
2 373
-
16 900
-
total
2 373
-
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%.

72 635
84 500
-
-
total
-
-
-
-
Dividends
72 635
84 500
-
-
withholding
3 632
4 225
-
-
total
3 632
4 225
-
-
Income
84 500
84 500
84 500
84 500
Total tax
6 005
4 225
16 900
845
After tax
78 495
80 275
67 600
83 655
Living cost
9 492
9 492
9 492
9 492
Free-cash
69 003
70 783
58 108
74 163

Estimated living cost  is ₽9492 per week

₽6423
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽398
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽318
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2352
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
₽8756
₽13465
₽9127
₽3141
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
-
-
-
8 447
other
-
-
-
2 624
health
-
-
-
1 719
social contributions
-
-
-
2 409
pensions
-
-
-
20 726
surtax
-
-
-
-
total
-
-
-
35 925
Employee
51 154
-
68 483
-
pensions
5 786
-
3 345
-
income
4 463
-
10 272
-
social contributions
1 457
-
1 951
-
surtax
-
-
-
-
total
11 706
-
15 568
-
Employer
51 154
-
68 483
-
health
3 580
-
4 794
-
social contributions
153
-
206
-
pensions
8 405
-
5 884
-
unemployment
2 072
-
2 773
-
other
1 765
-
2 362
-
total
15 975
-
16 019
-
Corporate
17 369
84 500
-
-
income
4 864
23 660
-
-
surtax
-
-
-
-
total
4 864
23 660
-
-
Dividends
12 505
60 840
-
-
social contributions
2 150
10 464
-
-
surtax
-
-
-
-
withholding
1 601
7 787
-
-
total
3 751
18 251
-
-
Income
84 500
84 500
84 500
84 500
Total tax
36 296
41 911
31 587
35 925
After tax
48 204
42 589
52 913
48 575
Living cost
39 448
39 448
39 448
39 448
Free-cash
8 756
3 141
13 465
9 127

Estimated living cost  is ₽39448 per week

₽26698
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3227
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽541
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8982
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Belgrade , Serbia
₽42973
₽31004
₽31006
₽46976
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
pensions
-
-
-
15 638
unemployment
-
-
-
902
income
-
-
-
16 684
health
-
-
-
6 195
total
-
-
-
39 419
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.

21 224
-
73 734
-
health
1 093
-
3 098
-
unemployment
159
-
451
-
pensions
2 971
-
8 421
-
income
2 926
-
16 684
-
total
7 149
-
28 654
-
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.

21 224
-
73 734
-
health
1 093
-
3 098
-
pensions
2 547
-
7 218
-
unemployment
159
-
451
-
total
3 799
-
10 767
-
Corporate
59 477
84 500
-
-
income
8 921
12 675
-
-
total
8 921
12 675
-
-
Dividends
50 555
71 825
-
-
withholding
7 583
10 774
-
-
total
7 583
10 774
-
-
Income
84 500
84 500
84 500
84 500
Total tax
27 452
23 449
39 421
39 419
After tax
57 048
61 051
45 079
45 081
Living cost
14 075
14 075
14 075
14 075
Free-cash
42 973
46 976
31 004
31 006

Estimated living cost  is ₽14075 per week

₽9477
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1089
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽407
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3102
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Zurich , Switzerland
₽6163
₽9114
₽13310
-₽18127
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
pensions
-
-
-
7 774
city
-
-
-
891
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
health
-
-
-
190
regional
-
-
-
3 178
national
-
-
-
700
total
-
-
-
14 423
Employee
66 432
-
75 631
-
health
150
-
171
-
unemployment
-
-
-
-
city
713
-
812
-
pensions
5 581
-
6 354
-
regional
2 175
-
2 719
-
national
314
-
526
-
total
8 933
-
10 582
-
Employer
66 432
-
75 631
-
health
150
-
171
-
pensions
5 581
-
6 354
-
unemployment
-
-
-
-
other

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

1 328
-
1 512
-
total
7 059
-
8 037
-
Corporate
10 277
84 500
-
-
regional
2 174
17 872
-
-
national
873
7 182
-
-
total
3 047
25 054
-
-
Dividends
7 230
59 446
-
-
withholding
2 531
20 806
-
-
total
2 531
20 806
-
-
Income
84 500
84 500
84 500
84 500
Total tax
21 570
45 860
18 619
14 423
After tax
62 930
38 640
65 881
70 077
Living cost
56 767
56 767
56 767
56 767
Free-cash
6 163
-18 127
9 114
13 310

Estimated living cost  is ₽56767 per week

₽36915
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5094
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽697
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽14061
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
₽23127
₽16627
₽28329
₽24611
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
-
-
-
15 037
health
-
-
-
961
national
-
-
-
8 816
total
-
-
-
24 814
Employee
42 971
-
71 087
-
health
321
-
753
-
unemployment
645
-
1 066
-
pensions
2 900
-
4 799
-
national
710
-
4 881
-
municipal
7 038
-
11 604
-
total
11 614
-
23 103
-
Employer
42 971
-
71 087
-
health
330
-
547
-
pensions
7 455
-
12 333
-
accident
43
-
71
-
unemployment
279
-
462
-
total
8 107
-
13 413
-
Corporate
33 422
84 500
-
-
income
6 685
16 900
-
-
total
6 685
16 900
-
-
Dividends

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

20 053
50 700
-
-
municipal
3 610
9 126
-
-
national
-
2 506
-
-
total
3 610
11 632
-
-
Income
84 500
84 500
84 500
84 500
Total tax
30 016
28 532
36 516
24 814
After tax
54 484
55 968
47 984
59 686
Living cost
31 357
31 357
31 357
31 357
Free-cash
23 127
24 611
16 627
28 329

Estimated living cost  is ₽31357 per week

₽20482
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3016
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽499
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7361
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

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

Brussels , Belgium
₽5352
₽2992
₽9563
₽17601
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
communal

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

-
-
-
4 270
social contributions
-
-
-
13 334
national
-
-
-
27 553
total
-
-
-
45 157
Employee

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

58 422
-
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.

2 745
-
3 077
-
communal

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

3 047
-
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.

508
-
569
-
pensions

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

4 382
-
4 909
-
national
17 961
-
20 709
-
total
28 643
-
32 677
-
Employer

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

58 422
-
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.

3 593
-
4 025
-
pensions

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

5 177
-
5 798
-
surtax
6 624
-
7 421
-
accident

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

759
-
851
-
unemployment

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

852
-
956
-
total
17 005
-
19 051
-
Corporate
9 072
84 500
-
-
income
1 815
16 900
-
-
surtax
36
338
-
-
total
1 851
17 238
-
-
Dividends
7 221
67 262
-
-
withholding

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

1 869
19 881
-
-
total
1 869
19 881
-
-
Income
84 500
84 500
84 500
84 500
Total tax
49 368
37 119
51 728
45 157
After tax
35 132
47 381
32 772
39 343
Living cost
29 780
29 780
29 780
29 780
Free-cash
5 352
17 601
2 992
9 563

Estimated living cost  is ₽29780 per week

₽19182
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2604
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽467
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7528
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Stockholm , Sweden
₽10111
₽9888
₽8365
₽10901
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
unemployment
-
-
-
77
municipal
-
-
-
18 527
other
-
-
-
8 974
health
-
-
-
4 819
national
-
-
-
-
accident
-
-
-
154
pensions
-
-
-
8 348
total
-
-
-
40 899
Employee
50 208
-
64 298
-
national
-
-
-
-
municipal
14 972
-
19 174
-
total
14 972
-
19 174
-
Employer
50 208
-
64 298
-
health
3 088
-
3 954
-
pensions
5 427
-
6 951
-
accident
100
-
129
-
unemployment
1 325
-
1 697
-
other
5 834
-
7 471
-
total
15 774
-
20 202
-
Corporate
18 516
84 500
-
-
income
4 074
18 590
-
-
total
4 074
18 590
-
-
Dividends
14 443
65 910
-
-
withholding
4 333
19 773
-
-
total
4 333
19 773
-
-
Income
84 500
84 500
84 500
84 500
Total tax
39 153
38 363
39 376
40 899
After tax
45 347
46 137
45 124
43 601
Living cost
35 236
35 236
35 236
35 236
Free-cash
10 111
10 901
9 888
8 365

Estimated living cost  is ₽35236 per week

₽23353
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3458
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽535
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7890
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
-₽49627
₽33852
₽19582
₽12596
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
55 654
-
-
-
income
12 276
-
-
-
social contributions
4 564
-
650
-
total
16 840
-
650
-
Employer
55 654
-
-
-
social contributions
78 473
-
11 184
-
total
78 473
-
11 184
-
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
95 313
33 090
11 834
26 104
After tax
-10 813
51 410
72 666
58 396
Living cost
38 814
38 814
38 814
38 814
Free-cash
-49 627
12 596
33 852
19 582

Estimated living cost  is ₽38814 per week

₽25184
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3650
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽495
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9485
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
₽31959
₽32983
₽33068
₽35347
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
-
-
-
9 605
health
-
-
-
2 154
social contributions
-
-
-
13 182
total
-
-
-
24 941
Employee
62 804
62 804
76 713
-
health
625
1 068
1 303
-
income
6 595
5 814
9 569
-
social contributions
3 052
5 212
6 367
-
total
10 272
12 094
17 239
-
Employer
62 804
62 804
76 713
-
health
680
1 162
1 420
-
social contributions
3 052
5 212
6 367
-
total
3 732
6 374
7 787
-
Corporate
44 005
15 321
-
-
income
5 501
1 916
-
-
total
5 501
1 916
-
-
Dividends
38 504
13 405
-
-
withholding
6 545
2 278
-
-
total
6 545
2 278
-
-
Income
84 500
84 500
84 500
84 500
Total tax
26 050
22 662
25 026
24 941
After tax
58 450
61 838
59 474
59 559
Living cost
26 491
26 491
26 491
26 491
Free-cash
31 959
35 347
32 983
33 068

Estimated living cost  is ₽26491 per week

₽18109
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2069
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽445
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5868
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Edinburgh , United Kingdom
₽29774
₽23381
₽30945
₽31975
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
-
-
-
18 461
pensions
-
-
-
5 980
total
-
-
-
24 441
Employee
39 963
-
74 310
-
health
521
-
1 226
-
pensions
3 050
-
7 172
-
income
7 278
-
13 419
-
total
10 849
-
21 817
-
Employer
39 963
-
74 310
-
health
760
-
1 412
-
pensions
4 038
-
8 776
-
total
4 798
-
10 188
-
Corporate
39 740
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.

7 550
16 055
-
-
total
7 550
16 055
-
-
Dividends
32 190
68 445
-
-
withholding
2 415
7 356
-
-
total
2 415
7 356
-
-
Income
84 500
84 500
84 500
84 500
Total tax
25 612
23 411
32 005
24 441
After tax
58 888
61 089
52 495
60 059
Living cost
29 114
29 114
29 114
29 114
Free-cash
29 774
31 975
23 381
30 945

Estimated living cost  is ₽29114 per week

₽19972
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2677
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽364
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6099
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
₽8257
₽5939
₽9805
₽11972
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
-
-
-
564
regional
-
-
-
1 713
social contributions
-
-
-
21 733
national
-
-
-
18 148
total
-
-
-
42 158
Employee
68 824
-
84 500
-
social contributions
23 207
-
28 494
-
regional
1 039
-
1 448
-
national
11 631
-
15 578
-
municipal
411
-
504
-
total
36 288
-
46 024
-
Employer
68 824
-
84 500
-
total
-
-
-
-
Corporate
15 676
84 500
-
-
nationa
3 762
20 279
-
-
municipal
755
4 073
-
-
total
4 517
24 352
-
-
Dividends
11 159
60 147
-
-
withholding
2 901
15 639
-
-
total
2 901
15 639
-
-
Income
84 500
84 500
84 500
84 500
Total tax
43 706
39 991
46 024
42 158
After tax
40 794
44 509
38 476
42 342
Living cost
32 537
32 537
32 537
32 537
Free-cash
8 257
11 972
5 939
9 805

Estimated living cost  is ₽32537 per week

₽22855
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2238
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽491
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6951
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
₽4193
₽26709
₽40666
-₽10450
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
pensions
-
-
-
3 271
income
-
-
-
21 066
other
-
-
-
291
health
-
-
-
1 714
accident
-
-
-
198
total
-
-
-
26 540
Employee
27 204
-
72 838
-
health
3 115
-
8 340
-
pensions
3 063
-
5 997
-
income
3 732
-
14 498
-
total
9 910
-
28 835
-
Employer
27 204
-
72 838
-
pensions
4 424
-
8 660
-
accident
454
-
1 217
-
unemployment
666
-
1 785
-
total
5 544
-
11 662
-
Corporate
51 752
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.

46 576
76 050
-
-
total
46 576
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
63 013
77 656
40 497
26 540
After tax
21 487
6 844
44 003
57 960
Living cost
17 294
17 294
17 294
17 294
Free-cash
4 193
-10 450
26 709
40 666

Estimated living cost  is ₽17294 per week

₽12675
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
₽22739
₽28266
₽21589
₽12054
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
trade
-
-
-
6 677
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.

-
-
-
18 125
health

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

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

-
-
-
5 580
surtax

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

-
-
-
997
total
-
-
-
31 379
Employee

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

40 638
-
84 500
-
health

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

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

5 580
-
5 580
-
income

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

3 342
-
18 125
-
surtax

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

184
-
997
-
total
9 106
-
24 702
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
43 862
84 500
-
-
income
6 579
12 675
-
-
trade
6 294
12 125
-
-
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.

361
697
-
-
chamber of commerce
188
248
-
-
total
13 422
25 745
-
-
Dividends
30 439
58 754
-
-
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.

401
790
-
-
withholding
7 300
14 379
-
-
total
7 701
15 169
-
-
Income
84 500
84 500
84 500
84 500
Total tax
30 229
40 914
24 702
31 379
After tax
54 271
43 586
59 798
53 121
Living cost
31 532
31 532
31 532
31 532
Free-cash
22 739
12 054
28 266
21 589

Estimated living cost  is ₽31532 per week

₽21752
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3393
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽457
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5930
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

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

Riga , Latvia
₽43908
₽30605
₽28084
₽50608
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
income
-
-
-
12 257
microenterprise
-
-
-
-
social contributions

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

-
-
-
27 167
surtax
-
-
-
-
total
-
-
-
39 424
Employee
23 866
-
68 096
-
income
4 248
-
13 008
-
social contributions

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

2 626
-
7 491
-
surtax
-
-
-
-
total
6 874
-
20 499
-
Employer
23 866
-
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.

5 749
-
16 404
-
surtax
-
-
-
-
total
5 749
-
16 404
-
Corporate
54 886
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%.

10 977
16 900
-
-
total
10 977
16 900
-
-
Dividends

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

43 909
67 600
-
-
total
-
-
-
-
Income
84 500
84 500
84 500
84 500
Total tax
23 600
16 900
36 903
39 424
After tax
60 900
67 600
47 597
45 076
Living cost
16 992
16 992
16 992
16 992
Free-cash
43 908
50 608
30 605
28 084

Estimated living cost  is ₽16992 per week

₽10840
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1618
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽386
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4148
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Istanbul , Turkey
₽41041
₽38278
₽38992
₽42690
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
-
-
-
22 839
health
-
-
-
5 309
pensions
-
-
-
7 322
total
-
-
-
35 470
Employee
15 289
-
76 263
-
health
764
-
1 831
-
unemployment
153
-
366
-
pensions
1 376
-
3 295
-
income
2 958
-
22 455
-
total
5 251
-
27 947
-
Employer
15 289
-
76 263
-
health
1 453
-
3 478
-
pensions
1 682
-
4 027
-
unemployment
306
-
732
-
total
3 441
-
8 237
-
Corporate
65 770
84 500
-
-
income
14 469
18 590
-
-
total
14 469
18 590
-
-
Dividends
51 301
65 910
-
-
withholding
10 260
13 182
-
-
total
10 260
13 182
-
-
Income
84 500
84 500
84 500
84 500
Total tax
33 421
31 772
36 184
35 470
After tax
51 079
52 728
48 316
49 030
Living cost
10 038
10 038
10 038
10 038
Free-cash
41 041
42 690
38 278
38 992

Estimated living cost  is ₽10038 per week

₽5965
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽814
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽230
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3029
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
₽32208
₽23200
₽24839
₽34805
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
pensions
-
-
-
16 900
unemployment
-
-
-
186
income
-
-
-
16 214
other
-
-
-
-
health
-
-
-
5 998
surtax
-
-
-
2 018
total
-
-
-
41 316
Employee
27 505
-
69 804
-
health
702
-
1 779
-
unemployment
1 914
-
4 859
-
pensions
1 835
-
4 656
-
income
4 611
-
15 138
-
other
-
-
-
-
surtax
98
-
1 829
-
total
9 160
-
28 261
-
Employer
27 505
-
69 804
-
health
1 251
-
3 177
-
pensions
3 667
-
9 304
-
unemployment
873
-
2 213
-
other
-
-
-
-
total
5 791
-
14 694
-
Corporate
51 204
84 500
-
-
income
13 312
21 970
-
-
total
13 312
21 970
-
-
Dividends
37 892
62 530
-
-
withholding
5 684
9 380
-
-
total
5 684
9 380
-
-
Income
84 500
84 500
84 500
84 500
Total tax
33 947
31 350
42 955
41 316
After tax
50 553
53 150
41 545
43 184
Living cost
18 345
18 345
18 345
18 345
Free-cash
32 208
34 805
23 200
24 839

Estimated living cost  is ₽18345 per week

₽11076
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1595
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽426
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5250
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details
Graz , Austria
₽20948
-₽755
₽16658
₽21353
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
pensions
-
-
-
15 633
chamber of commerce
-
-
-
338
unemployment
-
-
-