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
₽ 85000
per

Your estimated
City
free-cash

Valencia , Spain
₽30756
₽22369
₽23714
₽35003
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
-
-
-
85 000
unemployment
-
-
-
525
income
-
-
-
16 519
other
-
-
-
75
accident
-
-
-
676
pensions
-
-
-
21 232
total
-
-
-
39 027
Employee
29 931
-
64 451
-
unemployment
464
-
998
-
pensions
1 407
-
3 029
-
income
5 770
-
15 731
-
other
29
-
65
-
total
7 670
-
19 823
-
Employer
29 931
-
64 451
-
pensions
7 063
-
15 211
-
accident
593
-
1 277
-
unemployment
1 647
-
3 545
-
other
240
-
516
-
total
9 543
-
20 549
-
Corporate
45 527
85 000
-
-
income

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

6 830
12 750
-
-
total
6 830
12 750
-
-
Dividends
38 697
72 250
-
-
withholding
7 942
14 988
-
-
total
7 942
14 988
-
-
Income
85 000
85 000
85 000
85 000
Total tax
31 985
27 738
40 372
39 027
After tax
53 015
57 262
44 628
45 973
Living cost
22 259
22 259
22 259
22 259
Free-cash
30 756
35 003
22 369
23 714

Estimated living cost  is ₽22259 per week

₽15025
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2140
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽390
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4705
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
₽35414
₽27986
₽24458
₽40880
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
-
-
-
85 000
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.

-
-
-
20 400
income
-
-
-
10 796
other
-
-
-
4 037
health
-
-
-
3 740
total
-
-
-
38 973
Employee
29 391
-
67 891
-
health
412
-
951
-
unemployment
293
-
679
-
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.

2 057
-
4 753
-
income
5 060
-
11 953
-
total
7 822
-
18 336
-
Employer
29 391
-
67 891
-
health
412
-
951
-
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.

4 997
-
11 542
-
accident
235
-
544
-
unemployment
293
-
679
-
other
1 470
-
3 393
-
total
7 407
-
17 109
-
Corporate
48 202
85 000
-
-
income
10 123
17 850
-
-
total
10 123
17 850
-
-
Dividends
38 079
67 150
-
-
withholding
2 665
4 701
-
-
total
2 665
4 701
-
-
Income
85 000
85 000
85 000
85 000
Total tax
28 017
22 551
35 445
38 973
After tax
56 983
62 449
49 555
46 027
Living cost
21 569
21 569
21 569
21 569
Free-cash
35 414
40 880
27 986
24 458

Estimated living cost  is ₽21569 per week

₽15240
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1456
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽347
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.
₽4525
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
₽58286
₽56779
₽54068
₽62050
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
-
-
-
85 000
pensions

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

-
-
-
4 189
unemployment
-
-
-
113
income
-
-
-
12 750
health
-
-
-
3 255
total
-
-
-
20 307
Employee
14 069
-
79 446
-
health
647
-
1 302
-
accident

We are using the highest rate at 1.1%.

155
-
311
-
pensions

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

1 235
-
2 485
-
income
1 407
-
7 945
-
total
3 444
-
12 043
-
Employer
14 069
-
79 446
-
health
971
-
1 953
-
pensions

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

1 551
-
3 119
-
accident

We are using the highest rate at 1.1%.

155
-
311
-
unemployment
84
-
170
-
total
2 761
-
5 553
-
Corporate
68 170
85 000
-
-
income
6 817
8 500
-
-
total
6 817
8 500
-
-
Dividends
61 353
76 500
-
-
withholding
3 067
3 825
-
-
total
3 067
3 825
-
-
Income
85 000
85 000
85 000
85 000
Total tax
16 089
12 325
17 596
20 307
After tax
68 911
72 675
67 404
64 693
Living cost
10 625
10 625
10 625
10 625
Free-cash
58 286
62 050
56 779
54 068

Estimated living cost  is ₽10625 per week

₽6203
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽759
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽281
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.
₽3382
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
₽19925
₽25329
₽21136
₽15145
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
-
-
-
85 000
income
-
-
-
8 668
other
-
-
-
2 639
health
-
-
-
1 796
social contributions
-
-
-
2 422
pensions
-
-
-
20 644
surtax
-
-
-
-
total
-
-
-
36 169
Employee
34 644
-
68 826
-
pensions
3 917
-
3 410
-
income
2 045
-
10 431
-
social contributions
988
-
1 962
-
surtax
-
-
-
-
total
6 950
-
15 803
-
Employer
34 644
-
68 826
-
health
2 426
-
4 817
-
social contributions
104
-
206
-
pensions
5 691
-
5 987
-
unemployment
1 402
-
2 788
-
other
1 195
-
2 375
-
total
10 818
-
16 173
-
Corporate
39 537
85 000
-
-
income
11 071
23 801
-
-
surtax
-
-
-
-
total
11 071
23 801
-
-
Dividends
28 466
61 199
-
-
social contributions
4 897
10 525
-
-
surtax
-
-
-
-
withholding
3 644
7 834
-
-
total
8 541
18 359
-
-
Income
85 000
85 000
85 000
85 000
Total tax
37 380
42 160
31 976
36 169
After tax
47 620
42 840
53 024
48 831
Living cost
27 695
27 695
27 695
27 695
Free-cash
19 925
15 145
25 329
21 136

Estimated living cost  is ₽27695 per week

₽17463
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2252
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.
₽7510
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
₽2354
₽8418
₽14315
₽7313
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
-
-
-
85 000
pensions
-
-
-
9 484
income
-
-
-
17 362
health
-
-
-
9 929
total
-
-
-
36 775
Employee
69 125
69 125
72 335
-
health
10 610
9 025
9 207
-
pensions
12 443
9 484
9 484
-
income

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

11 315
11 315
11 315
-
total
34 368
29 824
30 006
-
Employer
69 125
69 125
72 335
-
health
4 805
4 805
5 028
-
pensions
4 811
4 811
5 034
-
unemployment
2 489
2 489
2 604
-
total
12 105
12 105
12 666
-
Corporate
4 618
3 770
-
-
income
923
754
-
-
total
923
754
-
-
Dividends
3 695
3 016
-
-
income
785
641
-
-
withholding
555
453
-
-
total
1 340
1 094
-
-
Income
85 000
85 000
85 000
85 000
Total tax
48 736
43 777
42 672
36 775
After tax
36 264
41 223
42 328
48 225
Living cost
33 910
33 910
33 910
33 910
Free-cash
2 354
7 313
8 418
14 315

Estimated living cost  is ₽33910 per week

₽24031
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3057
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽539
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.
₽6283
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
₽27401
₽35471
₽28012
₽18448
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.

-
-
-
85 000
trade
-
-
-
7 459
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.

-
-
-
18 466
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.

-
-
-
5 530
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.

-
-
-
1 015
total
-
-
-
32 470
Employee

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

30 961
-
85 000
-
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.

5 530
-
5 530
-
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.

865
-
18 466
-
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
-
1 015
-
total
6 443
-
25 011
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
54 039
85 000
-
-
income
8 106
12 750
-
-
trade
8 512
13 387
-
-
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.

445
700
-
-
chamber of commerce
201
246
-
-
total
17 264
27 083
-
-
Dividends
36 775
57 917
-
-
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.

488
779
-
-
withholding
8 886
14 172
-
-
total
9 374
14 951
-
-
Income
85 000
85 000
85 000
85 000
Total tax
33 081
42 034
25 011
32 470
After tax
51 919
42 966
59 989
52 530
Living cost
24 518
24 518
24 518
24 518
Free-cash
27 401
18 448
35 471
28 012

Estimated living cost  is ₽24518 per week

₽15423
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2859
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽458
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.
₽5779
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
₽39051
₽40918
₽41119
₽43455
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
-
-
-
85 000
income
-
-
-
9 876
health
-
-
-
2 167
social contributions
-
-
-
13 097
total
-
-
-
25 140
Employee
62 244
62 244
77 167
-
health
482
1 058
1 312
-
income
6 777
5 762
9 790
-
social contributions
2 353
5 166
6 406
-
total
9 612
11 986
17 508
-
Employer
62 244
62 244
77 167
-
health
524
1 152
1 427
-
social contributions
2 353
5 166
6 406
-
total
2 877
6 318
7 833
-
Corporate
53 768
16 438
-
-
income
6 720
2 055
-
-
total
6 720
2 055
-
-
Dividends
47 048
14 383
-
-
withholding
7 999
2 445
-
-
total
7 999
2 445
-
-
Income
85 000
85 000
85 000
85 000
Total tax
27 208
22 804
25 341
25 140
After tax
57 792
62 196
59 659
59 860
Living cost
18 741
18 741
18 741
18 741
Free-cash
39 051
43 455
40 918
41 119

Estimated living cost  is ₽18741 per week

₽11232
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1839
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽415
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.
₽5257
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
₽22143
₽17381
₽21950
₽22958
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.

-
-
-
85 000
income
-
-
-
8 122
social contributions

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

-
-
-
29 538
surtax
-
-
-
-
total
-
-
-
37 660
Employee
37 229
-
68 686
-
income
7 744
-
18 359
-
social contributions
4 095
-
7 556
-
surtax
-
-
-
-
total
11 839
-
25 915
-
Employer
37 229
-
68 686
-
social contributions
8 842
-
16 314
-
total
8 842
-
16 314
-
Corporate
38 929
85 000
-
-
income
8 175
17 850
-
-
surtax
-
-
-
-
total
8 175
17 850
-
-
Dividends
30 754
67 150
-
-
withholding
8 611
18 802
-
-
total
8 611
18 802
-
-
Income
85 000
85 000
85 000
85 000
Total tax
37 467
36 652
42 229
37 660
After tax
47 533
48 348
42 771
47 340
Living cost
25 390
25 390
25 390
25 390
Free-cash
22 143
22 958
17 381
21 950

Estimated living cost  is ₽25390 per week

₽18997
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1498
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.
₽4472
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
₽73569
₽61953
₽78103
₽74703
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%.

-
-
-
85 000
microenterprise

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

-
-
-
850
total
-
-
-
850
Employee
7 559
-
85 000
-
income
1 512
-
17 000
-
total
1 512
-
17 000
-
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%.

77 441
85 000
-
-
total
-
-
-
-
Dividends
77 441
85 000
-
-
withholding
3 872
4 250
-
-
total
3 872
4 250
-
-
Income
85 000
85 000
85 000
85 000
Total tax
5 384
4 250
17 000
850
After tax
79 616
80 750
68 000
84 150
Living cost
6 047
6 047
6 047
6 047
Free-cash
73 569
74 703
61 953
78 103

Estimated living cost  is ₽6047 per week

₽3748
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽503
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽166
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.
₽1631
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
₽30040
₽19650
₽22089
₽36810
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.

-
-
-
85 000
pensions
-
-
-
15 522
unemployment
-
-
-
127
income
-
-
-
17 186
health
-
-
-
8 364
total
-
-
-
41 199
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.

35 795
-
73 548
-
health
2 312
-
4 751
-
unemployment
51
-
103
-
pensions
5 548
-
11 400
-
income
6 173
-
15 931
-
total
14 084
-
32 185
-
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.

35 795
-
73 548
-
health
2 384
-
4 899
-
pensions
3 167
-
6 509
-
unemployment
22
-
45
-
total
5 573
-
11 453
-
Corporate
43 632
85 000
-
-
income
8 290
16 151
-
-
total
8 290
16 151
-
-
Dividends
35 342
68 849
-
-
withholding
5 301
10 327
-
-
total
5 301
10 327
-
-
Income
85 000
85 000
85 000
85 000
Total tax
33 248
26 478
43 638
41 199
After tax
51 752
58 522
41 362
43 801
Living cost
21 712
21 712
21 712
21 712
Free-cash
30 040
36 810
19 650
22 089

Estimated living cost  is ₽21712 per week

₽14900
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1392
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽421
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.
₽5000
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
₽24418
₽33103
₽27450
₽21589
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.

-
-
-
85 000
income
-
-
-
23 042
health

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

-
-
-
5 124
total
-
-
-
28 166
Employee
37 134
-
81 276
-
social contributions
3 720
-
3 724
-
income
4 029
-
15 065
-
total
7 749
-
18 789
-
Employer
37 134
-
81 276
-
social contributions
3 720
-
3 724
-
total
3 720
-
3 724
-
Corporate
44 146
85 000
-
-
income
15 452
29 750
-
-
total
15 452
29 750
-
-
Dividends
28 694
55 250
-
-
social contributions
4 277
4 277
-
-
total
4 277
4 277
-
-
Income
85 000
85 000
85 000
85 000
Total tax
31 198
34 027
22 513
28 166
After tax
53 802
50 973
62 487
56 834
Living cost
29 384
29 384
29 384
29 384
Free-cash
24 418
21 589
33 103
27 450

Estimated living cost  is ₽29384 per week

₽19355
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2316
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.
₽7261
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
₽35115
₽37363
₽37424
₽34695
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
-
-
-
85 000
income
-
-
-
12 750
health
-
-
-
5 932
social contributions
-
-
-
11 730
total
-
-
-
30 412
Employee
27 446
-
85 000
-
health
1 916
-
5 932
-
income
4 578
-
12 811
-
social contributions
3 788
-
11 730
-
total
10 282
-
30 473
-
Employer
27 446
-
85 000
-
total
-
-
-
-
Corporate
57 554
85 000
-
-
income

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

2 877
4 250
-
-
total
2 877
4 250
-
-
Dividends
54 677
80 750
-
-
social contributions
7 545
11 143
-
-
withholding
8 201
12 112
-
-
health
3 816
5 636
-
-
total
19 562
28 891
-
-
Income
85 000
85 000
85 000
85 000
Total tax
32 721
33 141
30 473
30 412
After tax
52 279
51 859
54 527
54 588
Living cost
17 164
17 164
17 164
17 164
Free-cash
35 115
34 695
37 363
37 424

Estimated living cost  is ₽17164 per week

₽11487
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1058
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽395
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4223
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
₽27837
₽20517
₽18781
₽35905
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
-
-
-
85 000
income
-
-
-
7 306
health
-
-
-
11 475
social contributions
-
-
-
24 820
solidarity contribution
-
-
-
-
total
-
-
-
43 601
Employee
33 261
-
63 433
-
health
4 490
-
8 563
-
solidarity contribution
-
-
-
-
income
3 991
-
7 612
-
social contributions
2 162
-
4 123
-
total
10 643
-
20 298
-
Employer
33 261
-
63 433
-
health
2 993
-
5 709
-
social contributions
8 315
-
15 858
-
total
11 308
-
21 567
-
Corporate
40 430
85 000
-
-
income
7 682
16 150
-
-
total
7 682
16 150
-
-
Dividends
32 748
68 850
-
-
withholding
4 912
10 327
-
-
total
4 912
10 327
-
-
Income
85 000
85 000
85 000
85 000
Total tax
34 545
26 477
41 865
43 601
After tax
50 455
58 523
43 135
41 399
Living cost
22 618
22 618
22 618
22 618
Free-cash
27 837
35 905
20 517
18 781

Estimated living cost  is ₽22618 per week

₽16820
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1253
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.
₽4153
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
₽69560
₽58577
₽74727
₽71327
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%.

-
-
-
85 000
microenterprise

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

-
-
-
850
total
-
-
-
850
Employee
11 779
-
85 000
-
income
2 356
-
17 000
-
total
2 356
-
17 000
-
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%.

73 221
85 000
-
-
total
-
-
-
-
Dividends
73 221
85 000
-
-
withholding
3 661
4 250
-
-
total
3 661
4 250
-
-
Income
85 000
85 000
85 000
85 000
Total tax
6 017
4 250
17 000
850
After tax
78 983
80 750
68 000
84 150
Living cost
9 423
9 423
9 423
9 423
Free-cash
69 560
71 327
58 577
74 727

Estimated living cost  is ₽9423 per week

₽6377
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽396
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽316
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.
₽2335
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
₽9309
₽13928
₽9735
₽3744
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
-
-
-
85 000
income
-
-
-
8 668
other
-
-
-
2 639
health
-
-
-
1 796
social contributions
-
-
-
2 422
pensions
-
-
-
20 644
surtax
-
-
-
-
total
-
-
-
36 169
Employee
50 698
-
68 826
-
pensions
5 734
-
3 410
-
income
4 424
-
10 431
-
social contributions
1 444
-
1 962
-
surtax
-
-
-
-
total
11 602
-
15 803
-
Employer
50 698
-
68 826
-
health
3 548
-
4 817
-
social contributions
152
-
206
-
pensions
8 330
-
5 987
-
unemployment
2 054
-
2 788
-
other
1 750
-
2 375
-
total
15 834
-
16 173
-
Corporate
18 467
85 000
-
-
income
5 171
23 801
-
-
surtax
-
-
-
-
total
5 171
23 801
-
-
Dividends
13 297
61 199
-
-
social contributions
2 286
10 525
-
-
surtax
-
-
-
-
withholding
1 702
7 834
-
-
total
3 988
18 359
-
-
Income
85 000
85 000
85 000
85 000
Total tax
36 595
42 160
31 976
36 169
After tax
48 405
42 840
53 024
48 831
Living cost
39 096
39 096
39 096
39 096
Free-cash
9 309
3 744
13 928
9 735

Estimated living cost  is ₽39096 per week

₽26460
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3198
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽536
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.
₽8902
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
₽43497
₽31546
₽31546
₽47464
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.

-
-
-
85 000
pensions
-
-
-
15 497
unemployment
-
-
-
894
income
-
-
-
16 976
health
-
-
-
6 139
total
-
-
-
39 506
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.

21 032
-
74 331
-
health
1 083
-
3 070
-
unemployment
158
-
447
-
pensions
2 944
-
8 344
-
income
2 899
-
16 976
-
total
7 084
-
28 837
-
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.

21 032
-
74 331
-
health
1 083
-
3 070
-
pensions
2 524
-
7 152
-
unemployment
158
-
447
-
total
3 765
-
10 669
-
Corporate
60 203
85 000
-
-
income
9 030
12 750
-
-
total
9 030
12 750
-
-
Dividends
51 173
72 250
-
-
withholding
7 676
10 838
-
-
total
7 676
10 838
-
-
Income
85 000
85 000
85 000
85 000
Total tax
27 555
23 588
39 506
39 506
After tax
57 445
61 412
45 494
45 494
Living cost
13 948
13 948
13 948
13 948
Free-cash
43 497
47 464
31 546
31 546

Estimated living cost  is ₽13948 per week

₽9391
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1079
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽404
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.
₽3074
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
₽6630
₽9878
₽14097
-₽17481
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
-
-
-
85 000
pensions
-
-
-
7 819
city
-
-
-
896
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.

-
-
-
1 701
health
-
-
-
191
regional
-
-
-
3 226
national
-
-
-
721
total
-
-
-
14 554
Employee
65 943
-
76 081
-
health
149
-
171
-
unemployment
-
-
-
-
city
708
-
818
-
pensions
5 540
-
6 391
-
regional
2 159
-
2 763
-
national
312
-
547
-
total
8 868
-
10 690
-
Employer
65 943
-
76 081
-
health
149
-
171
-
pensions
5 540
-
6 391
-
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.

1 318
-
1 521
-
total
7 007
-
8 083
-
Corporate
11 325
85 000
-
-
regional
2 395
17 978
-
-
national
962
7 225
-
-
total
3 357
25 203
-
-
Dividends
7 967
59 798
-
-
withholding
2 789
20 929
-
-
total
2 789
20 929
-
-
Income
85 000
85 000
85 000
85 000
Total tax
22 021
46 132
18 773
14 554
After tax
62 979
38 868
66 227
70 446
Living cost
56 349
56 349
56 349
56 349
Free-cash
6 630
-17 481
9 878
14 097

Estimated living cost  is ₽56349 per week

₽36643
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5057
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽692
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.
₽13957
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
₽23787
₽17095
₽28826
₽25129
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

-
-
-
85 000
municipal
-
-
-
15 125
health
-
-
-
971
national
-
-
-
9 000
total
-
-
-
25 096
Employee
42 588
-
71 505
-
health
318
-
763
-
unemployment
639
-
1 072
-
pensions
2 874
-
4 826
-
national
704
-
5 002
-
municipal
6 975
-
11 671
-
total
11 510
-
23 334
-
Employer
42 588
-
71 505
-
health
327
-
550
-
pensions
7 389
-
12 406
-
accident
43
-
72
-
unemployment
277
-
465
-
total
8 036
-
13 493
-
Corporate
34 377
85 000
-
-
income
6 876
17 000
-
-
total
6 876
17 000
-
-
Dividends

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

20 626
51 000
-
-
municipal
3 713
9 180
-
-
national
-
2 613
-
-
total
3 713
11 793
-
-
Income
85 000
85 000
85 000
85 000
Total tax
30 135
28 793
36 827
25 096
After tax
54 865
56 207
48 173
59 904
Living cost
31 078
31 078
31 078
31 078
Free-cash
23 787
25 129
17 095
28 826

Estimated living cost  is ₽31078 per week

₽20300
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2989
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.
₽7295
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
₽6002
₽3378
₽9913
₽18144
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
-
-
-
85 000
communal

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

-
-
-
4 292
social contributions
-
-
-
13 479
national
-
-
-
27 802
total
-
-
-
45 573
Employee

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

57 902
-
65 834
-
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.

2 720
-
3 094
-
communal

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

3 020
-
3 433
-
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.

504
-
573
-
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.

4 343
-
4 937
-
national
17 801
-
20 904
-
total
28 388
-
32 941
-
Employer

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

57 902
-
65 834
-
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.

3 561
-
4 049
-
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.

5 131
-
5 833
-
surtax
6 565
-
7 466
-
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.

753
-
857
-
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.

845
-
962
-
total
16 855
-
19 167
-
Corporate
10 244
85 000
-
-
income
2 049
17 000
-
-
surtax
41
339
-
-
total
2 090
17 339
-
-
Dividends
8 154
67 660
-
-
withholding

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

2 151
20 003
-
-
total
2 151
20 003
-
-
Income
85 000
85 000
85 000
85 000
Total tax
49 484
37 342
52 108
45 573
After tax
35 516
47 658
32 892
39 427
Living cost
29 514
29 514
29 514
29 514
Free-cash
6 002
18 144
3 378
9 913

Estimated living cost  is ₽29514 per week

₽19011
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2581
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.
₽7461
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
₽10718
₽10483
₽9190
₽11502
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
-
-
-
85 000
unemployment
-
-
-
77
municipal
-
-
-
18 738
other
-
-
-
8 890
health
-
-
-
4 774
national
-
-
-
-
accident
-
-
-
153
pensions
-
-
-
8 270
total
-
-
-
40 902
Employee
49 740
-
64 678
-
national
-
-
-
-
municipal
14 832
-
19 287
-
total
14 832
-
19 287
-
Employer
49 740
-
64 678
-
health
3 059
-
3 978
-
pensions
5 377
-
6 992
-
accident
100
-
129
-
unemployment
1 313
-
1 707
-
other
5 780
-
7 516
-
total
15 629
-
20 322
-
Corporate
19 632
85 000
-
-
income
4 319
18 700
-
-
total
4 319
18 700
-
-
Dividends
15 313
66 300
-
-
withholding
4 594
19 890
-
-
total
4 594
19 890
-
-
Income
85 000
85 000
85 000
85 000
Total tax
39 374
38 590
39 609
40 902
After tax
45 626
46 410
45 391
44 098
Living cost
34 908
34 908
34 908
34 908
Free-cash
10 718
11 502
10 483
9 190

Estimated living cost  is ₽34908 per week

₽23135
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3425
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽530
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.
₽7817
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
-₽47587
₽34933
₽20373
₽13345
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
-
-
-
85 000
income
-
-
-
16 568
social contributions
-
-
-
9 690
total
-
-
-
26 258
Employee
55 015
-
-
-
income
12 135
-
-
-
social contributions
4 511
-
643
-
total
16 646
-
643
-
Employer
55 015
-
-
-
social contributions
77 572
-
11 055
-
total
77 572
-
11 055
-
Corporate
-
85 000
-
-
income
-
18 700
-
-
total
-
18 700
-
-
Dividends
-
66 300
-
-
income
-
14 586
-
-
total
-
14 586
-
-
Income
85 000
85 000
85 000
85 000
Total tax
94 218
33 286
11 698
26 258
After tax
-9 218
51 714
73 302
58 742
Living cost
38 369
38 369
38 369
38 369
Free-cash
-47 587
13 345
34 933
20 373

Estimated living cost  is ₽38369 per week

₽24895
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3609
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽489
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.
₽9376
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
₽32584
₽33404
₽33605
₽35941
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
-
-
-
85 000
income
-
-
-
9 876
health
-
-
-
2 167
social contributions
-
-
-
13 097
total
-
-
-
25 140
Employee
62 244
62 244
77 167
-
health
619
1 058
1 312
-
income
6 536
5 762
9 790
-
social contributions
3 025
5 166
6 406
-
total
10 180
11 986
17 508
-
Employer
62 244
62 244
77 167
-
health
674
1 152
1 427
-
social contributions
3 025
5 166
6 406
-
total
3 699
6 318
7 833
-
Corporate
44 866
16 438
-
-
income
5 608
2 055
-
-
total
5 608
2 055
-
-
Dividends
39 258
14 383
-
-
withholding
6 674
2 445
-
-
total
6 674
2 445
-
-
Income
85 000
85 000
85 000
85 000
Total tax
26 161
22 804
25 341
25 140
After tax
58 839
62 196
59 659
59 860
Living cost
26 255
26 255
26 255
26 255
Free-cash
32 584
35 941
33 404
33 605

Estimated living cost  is ₽26255 per week

₽17948
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2051
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽441
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.
₽5816
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
₽30356
₽23694
₽31355
₽32336
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
-
-
-
85 000
income
-
-
-
18 747
pensions
-
-
-
5 964
total
-
-
-
24 711
Employee
39 716
-
74 734
-
health
518
-
1 235
-
pensions
3 031
-
7 234
-
income
7 233
-
13 639
-
total
10 782
-
22 108
-
Employer
39 716
-
74 734
-
health
755
-
1 420
-
pensions
4 013
-
8 844
-
total
4 768
-
10 264
-
Corporate
40 516
85 000
-
-
income

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

7 698
16 150
-
-
total
7 698
16 150
-
-
Dividends
32 818
68 850
-
-
withholding
2 462
7 580
-
-
total
2 462
7 580
-
-
Income
85 000
85 000
85 000
85 000
Total tax
25 710
23 730
32 372
24 711
After tax
59 290
61 270
52 628
60 289
Living cost
28 934
28 934
28 934
28 934
Free-cash
30 356
32 336
23 694
31 355

Estimated living cost  is ₽28934 per week

₽19849
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2661
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽362
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.
₽6061
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
₽8842
₽6360
₽10248
₽12525
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
-
-
-
85 000
municipal
-
-
-
568
regional
-
-
-
1 735
social contributions
-
-
-
21 862
national
-
-
-
18 340
total
-
-
-
42 505
Employee
68 211
-
85 000
-
social contributions
23 000
-
28 662
-
regional
1 030
-
1 468
-
national
11 527
-
15 756
-
municipal
407
-
507
-
total
35 964
-
46 393
-
Employer
68 211
-
85 000
-
total
-
-
-
-
Corporate
16 789
85 000
-
-
nationa
4 029
20 400
-
-
municipal
810
4 097
-
-
total
4 839
24 497
-
-
Dividends
11 951
60 504
-
-
withholding
3 108
15 731
-
-
total
3 108
15 731
-
-
Income
85 000
85 000
85 000
85 000
Total tax
43 911
40 228
46 393
42 505
After tax
41 089
44 772
38 607
42 495
Living cost
32 247
32 247
32 247
32 247
Free-cash
8 842
12 525
6 360
10 248

Estimated living cost  is ₽32247 per week

₽22652
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2218
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽487
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6889
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
₽4257
₽27194
₽41153
-₽10256
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
-
-
-
85 000
pensions
-
-
-
3 242
income
-
-
-
21 279
other
-
-
-
289
health
-
-
-
1 699
accident
-
-
-
197
total
-
-
-
26 706
Employee
26 964
-
73 392
-
health
3 087
-
8 403
-
pensions
3 036
-
5 944
-
income
3 699
-
14 710
-
total
9 822
-
29 057
-
Employer
26 964
-
73 392
-
pensions
4 384
-
8 584
-
accident
450
-
1 226
-
unemployment
661
-
1 798
-
total
5 495
-
11 608
-
Corporate
52 541
85 000
-
-
income

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

47 287
76 500
-
-
total
47 287
76 500
-
-
Dividends
5 254
8 500
-
-
withholding
998
1 615
-
-
total
998
1 615
-
-
Income
85 000
85 000
85 000
85 000
Total tax
63 602
78 115
40 665
26 706
After tax
21 398
6 885
44 335
58 294
Living cost
17 141
17 141
17 141
17 141
Free-cash
4 257
-10 256
27 194
41 153

Estimated living cost  is ₽17141 per week

₽12563
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽950
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽358
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.
₽3271
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
₽23177
₽28738
₽21941
₽12590
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.

-
-
-
85 000
trade
-
-
-
6 797
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.

-
-
-
18 466
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.

-
-
-
5 530
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.

-
-
-
1 015
total
-
-
-
31 808
Employee

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

40 276
-
85 000
-
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.

5 530
-
5 530
-
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.

3 312
-
18 466
-
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.

183
-
1 015
-
total
9 025
-
25 011
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
44 724
85 000
-
-
income
6 708
12 750
-
-
trade
6 418
12 197
-
-
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.

369
700
-
-
chamber of commerce
189
247
-
-
total
13 684
25 894
-
-
Dividends
31 040
59 106
-
-
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.

410
796
-
-
withholding
7 453
14 469
-
-
total
7 863
15 265
-
-
Income
85 000
85 000
85 000
85 000
Total tax
30 572
41 159
25 011
31 808
After tax
54 428
43 841
59 989
53 192
Living cost
31 251
31 251
31 251
31 251
Free-cash
23 177
12 590
28 738
21 941

Estimated living cost  is ₽31251 per week

₽21558
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3363
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽453
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.
₽5877
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
₽44522
₽31024
₽28491
₽51160
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.

-
-
-
85 000
income
-
-
-
12 342
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.

-
-
-
27 327
surtax
-
-
-
-
total
-
-
-
39 669
Employee
23 653
-
68 499
-
income
4 210
-
13 100
-
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.

2 602
-
7 535
-
surtax
-
-
-
-
total
6 812
-
20 635
-
Employer
23 653
-
68 499
-
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.

5 697
-
16 501
-
surtax
-
-
-
-
total
5 697
-
16 501
-
Corporate
55 650
85 000
-
-
income

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

11 129
17 000
-
-
total
11 129
17 000
-
-
Dividends

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

44 520
68 000
-
-
total
-
-
-
-
Income
85 000
85 000
85 000
85 000
Total tax
23 638
17 000
37 136
39 669
After tax
61 362
68 000
47 864
45 331
Living cost
16 840
16 840
16 840
16 840
Free-cash
44 522
51 160
31 024
28 491

Estimated living cost  is ₽16840 per week

₽10744
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1604
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽382
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.
₽4111
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
₽41469
₽38765
₽39475
₽43101
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
-
-
-
85 000
income
-
-
-
23 080
health
-
-
-
5 256
pensions
-
-
-
7 250
total
-
-
-
35 586
Employee
15 139
-
76 844
-
health
757
-
1 813
-
unemployment
151
-
363
-
pensions
1 362
-
3 263
-
income
2 929
-
22 700
-
total
5 199
-
28 139
-
Employer
15 139
-
76 844
-
health
1 438
-
3 444
-
pensions
1 665
-
3 988
-
unemployment
303
-
725
-
total
3 406
-
8 157
-
Corporate
66 455
85 000
-
-
income
14 620
18 700
-
-
total
14 620
18 700
-
-
Dividends
51 835
66 300
-
-
withholding
10 367
13 260
-
-
total
10 367
13 260
-
-
Income
85 000
85 000
85 000
85 000
Total tax
33 592
31 960
36 296
35 586
After tax
51 408
53 040
48 704
49 414
Living cost
9 939
9 939
9 939
9 939
Free-cash
41 469
43 101
38 765
39 475

Estimated living cost  is ₽9939 per week

₽5907
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽806
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽228
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.
₽2999
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
₽32706
₽23479
₽25105
₽35283
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
-
-
-
85 000
pensions
-
-
-
17 000
unemployment
-
-
-
184
income
-
-
-
16 433
other
-
-
-
-
health
-
-
-
6 035
surtax
-
-
-
2 061
total
-
-
-
41 713
Employee
27 260
-
70 220
-
health
696
-
1 791
-
unemployment
1 897
-
4 888
-
pensions
1 819
-
4 684
-
income
4 570
-
15 326
-
other
-
-
-
-
surtax
97
-
1 869
-
total
9 079
-
28 558
-
Employer
27 260
-
70 220
-
health
1 240
-
3 195
-
pensions
3 634
-
9 360
-
unemployment
865
-
2 226
-
other
-
-
-
-
total
5 739
-
14 781
-
Corporate
52 001
85 000
-
-
income
13 521
22 100
-
-
total
13 521
22 100
-
-
Dividends
38 480
62 900
-
-
withholding
5 773
9 435
-
-
total
5 773
9 435
-
-
Income
85 000
85 000
85 000
85 000
Total tax
34 112
31 535
43 339
41 713
After tax
50 888
53 465
41 661
43 287
Living cost
18 182
18 182
18 182
18 182
Free-cash
32 706
35 283
23 479
25 105

Estimated living cost  is ₽18182 per week

₽10977
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1581
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽422
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.
₽5203
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
₽21443
-₽532
₽17042
₽21840
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
-
-
-
85 000
pensions
-
-
-
15 725
chamber of commerce
-
-
-
339
unemployment
-
-