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
₽21359
₽21784
₽33576
₽29055
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
-
-
-
15 554
accident
-
-
-
720
unemployment
-
-
-
559
pensions
-
-
-
22 605
other
-
-
-
80
total
-
-
-
39 518
Employee
31 866
-
64 453
-
other
31
-
64
-
income
6 143
-
15 303
-
unemployment
494
-
999
-
pensions
1 498
-
3 029
-
total
8 166
-
19 395
-
Employer
31 866
-
64 453
-
unemployment
1 753
-
3 546
-
pensions
7 520
-
15 211
-
other
255
-
515
-
accident
631
-
1 276
-
total
10 159
-
20 548
-
Corporate
42 975
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.

6 447
12 750
-
-
total
6 447
12 750
-
-
Dividends
36 528
72 250
-
-
withholding
7 475
14 976
-
-
total
7 475
14 976
-
-
Income
85 000
85 000
85 000
85 000
Total tax
32 247
27 726
39 943
39 518
After tax
52 753
57 274
45 057
45 482
Living cost
23 698
23 698
23 698
23 698
Free-cash
29 055
33 576
21 359
21 784

Estimated living cost  is ₽23698 per week

₽15996
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2278
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.
₽5009
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
₽26816
₽23063
₽39486
₽33669
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
-
-
-
10 797
health
-
-
-
3 740
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.

-
-
-
20 399
other
-
-
-
4 038
total
-
-
-
38 974
Employee
31 291
-
67 892
-
income
5 387
-
11 731
-
health
438
-
950
-
unemployment
312
-
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.

2 190
-
4 753
-
total
8 327
-
18 113
-
Employer
31 291
-
67 892
-
unemployment
312
-
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.

5 320
-
11 541
-
other
1 565
-
3 395
-
accident
250
-
543
-
health
438
-
950
-
total
7 885
-
17 108
-
Corporate
45 823
85 000
-
-
income
9 623
17 851
-
-
total
9 623
17 851
-
-
Dividends
36 200
67 149
-
-
withholding
2 533
4 700
-
-
total
2 533
4 700
-
-
Income
85 000
85 000
85 000
85 000
Total tax
28 368
22 551
35 221
38 974
After tax
56 632
62 449
49 779
46 026
Living cost
22 963
22 963
22 963
22 963
Free-cash
33 669
39 486
26 816
23 063

Estimated living cost  is ₽22963 per week

₽16225
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1550
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽370
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.
₽4818
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
₽55534
₽52920
₽61380
₽57379
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
-
-
-
3 461
unemployment
-
-
-
120
pensions

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

-
-
-
4 454
total
-
-
-
20 785
Employee
14 956
-
79 096
-
income
1 495
-
7 910
-
health
688
-
1 384
-
accident

We are using the highest rate at 1.1%.

165
-
331
-
pensions

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

1 313
-
2 642
-
total
3 661
-
12 267
-
Employer
14 956
-
79 096
-
unemployment
89
-
181
-
pensions

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

1 648
-
3 316
-
accident

We are using the highest rate at 1.1%.

165
-
331
-
health
1 032
-
2 076
-
total
2 934
-
5 904
-
Corporate
67 109
85 000
-
-
income
6 711
8 500
-
-
total
6 711
8 500
-
-
Dividends
60 398
76 500
-
-
withholding
3 020
3 825
-
-
total
3 020
3 825
-
-
Income
85 000
85 000
85 000
85 000
Total tax
16 326
12 325
18 171
20 785
After tax
68 674
72 675
66 829
64 215
Living cost
11 295
11 295
11 295
11 295
Free-cash
57 379
61 380
55 534
52 920

Estimated living cost  is ₽11295 per week

₽6594
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽807
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽299
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.
₽3595
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
₽18609
₽19494
₽13354
₽18447
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
-
-
-
7 928
social contributions
-
-
-
2 422
health
-
-
-
1 509
surtax
-
-
-
-
pensions
-
-
-
21 524
other
-
-
-
2 638
total
-
-
-
36 021
Employee
36 883
-
64 773
-
income
2 177
-
7 506
-
social contributions
1 052
-
1 846
-
surtax
-
-
-
-
pensions
4 170
-
7 327
-
total
7 399
-
16 679
-
Employer
36 883
-
64 773
-
unemployment
1 493
-
2 623
-
social contributions
111
-
195
-
pensions
6 059
-
10 642
-
other
1 272
-
2 234
-
health
2 582
-
4 533
-
total
11 517
-
20 227
-
Corporate
36 598
85 000
-
-
income
10 248
23 800
-
-
surtax
-
-
-
-
total
10 248
23 800
-
-
Dividends
26 351
61 200
-
-
withholding
3 372
7 834
-
-
surtax
-
-
-
-
social contributions
4 532
10 527
-
-
total
7 904
18 361
-
-
Income
85 000
85 000
85 000
85 000
Total tax
37 068
42 161
36 906
36 021
After tax
47 932
42 839
48 094
48 979
Living cost
29 485
29 485
29 485
29 485
Free-cash
18 447
13 354
18 609
19 494

Estimated living cost  is ₽29485 per week

₽18591
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2398
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽502
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.
₽7996
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
-₽578
₽12151
₽4260
-₽578
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
-
-
-
16 391
health
-
-
-
10 259
pensions
-
-
-
10 097
total
-
-
-
36 747
Employee
73 594
73 594
73 594
-
income

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

12 046
12 046
12 046
-
health
11 296
9 608
11 296
-
pensions
13 247
10 097
13 247
-
total
36 589
31 751
36 589
-
Employer
73 594
73 594
73 594
-
unemployment
2 649
2 649
2 649
-
pensions
5 122
5 122
5 122
-
health
5 116
5 116
5 116
-
total
12 887
12 887
12 887
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Income
85 000
85 000
85 000
85 000
Total tax
49 476
44 638
49 476
36 747
After tax
35 524
40 362
35 524
48 253
Living cost
36 102
36 102
36 102
36 102
Free-cash
-578
4 260
-578
12 151

Estimated living cost  is ₽36102 per week

₽25584
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3254
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽574
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.
₽6689
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
₽34556
₽27480
₽16876
₽26407
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
income

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

-
-
-
17 491
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.

-
-
-
5 888
trade
-
-
-
7 076
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.

-
-
-
962
total
-
-
-
31 417
Employee

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

32 962
-
85 000
-
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.

921
-
17 491
-
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.

5 888
-
5 888
-
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.

51
-
962
-
total
6 860
-
24 341
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
52 038
85 000
-
-
chamber of commerce
206
253
-
-
income
7 806
12 750
-
-
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.

430
702
-
-
trade
8 197
13 388
-
-
total
16 639
27 093
-
-
Dividends
35 399
57 908
-
-
withholding
8 522
14 150
-
-
surtax

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

469
778
-
-
total
8 991
14 928
-
-
Income
85 000
85 000
85 000
85 000
Total tax
32 490
42 021
24 341
31 417
After tax
52 510
42 979
60 659
53 583
Living cost
26 103
26 103
26 103
26 103
Free-cash
26 407
16 876
34 556
27 480

Estimated living cost  is ₽26103 per week

₽16420
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3044
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.
₽6152
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
₽40422
₽40507
₽42272
₽37584
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
-
-
-
9 113
social contributions
-
-
-
13 260
health
-
-
-
2 167
total
-
-
-
24 540
Employee
66 268
66 268
77 168
-
income
7 215
6 134
9 077
-
social contributions
2 505
5 500
6 404
-
health
514
1 127
1 312
-
total
10 234
12 761
16 793
-
Employer
66 268
66 268
77 168
-
social contributions
2 505
5 500
6 404
-
health
558
1 227
1 428
-
total
3 063
6 727
7 832
-
Corporate
51 750
12 006
-
-
income
6 468
1 501
-
-
total
6 468
1 501
-
-
Dividends
45 281
10 504
-
-
withholding
7 698
1 786
-
-
total
7 698
1 786
-
-
Income
85 000
85 000
85 000
85 000
Total tax
27 463
22 775
24 625
24 540
After tax
57 537
62 225
60 375
60 460
Living cost
19 953
19 953
19 953
19 953
Free-cash
37 584
42 272
40 422
40 507

Estimated living cost  is ₽19953 per week

₽11958
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1958
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽442
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.
₽5596
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
₽16331
₽20558
₽21315
₽20449
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
-
-
-
7 873
social contributions

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

-
-
-
29 537
surtax
-
-
-
-
total
-
-
-
37 410
Employee
39 636
-
68 687
-
income
8 244
-
17 768
-
social contributions
4 360
-
7 556
-
surtax
-
-
-
-
total
12 604
-
25 324
-
Employer
39 636
-
68 687
-
social contributions
9 413
-
16 313
-
total
9 413
-
16 313
-
Corporate
35 951
85 000
-
-
income
7 549
17 851
-
-
surtax
-
-
-
-
total
7 549
17 851
-
-
Dividends
28 402
67 149
-
-
withholding
7 953
18 802
-
-
total
7 953
18 802
-
-
Income
85 000
85 000
85 000
85 000
Total tax
37 519
36 653
41 637
37 410
After tax
47 481
48 347
43 363
47 590
Living cost
27 032
27 032
27 032
27 032
Free-cash
20 449
21 315
16 331
20 558

Estimated living cost  is ₽27032 per week

₽20225
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.
₽451
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.
₽4761
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
₽61815
₽77965
₽74565
₽73406
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
7 731
-
85 000
-
income
1 546
-
17 000
-
total
1 546
-
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%.

77 269
85 000
-
-
total
-
-
-
-
Dividends
77 269
85 000
-
-
withholding
3 863
4 250
-
-
total
3 863
4 250
-
-
Income
85 000
85 000
85 000
85 000
Total tax
5 409
4 250
17 000
850
After tax
79 591
80 750
68 000
84 150
Living cost
6 185
6 185
6 185
6 185
Free-cash
73 406
74 565
61 815
77 965

Estimated living cost  is ₽6185 per week

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

Additional information

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

Ljubljana , Slovenia
₽18479
₽20913
₽35407
₽28200
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
income
-
-
-
16 957
health
-
-
-
8 364
unemployment
-
-
-
128
pensions
-
-
-
15 523
total
-
-
-
40 972
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.

38 109
-
73 549
-
income
6 572
-
15 701
-
health
2 461
-
4 751
-
unemployment
54
-
103
-
pensions
5 907
-
11 400
-
total
14 994
-
31 955
-
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.

38 109
-
73 549
-
unemployment
23
-
44
-
pensions
3 372
-
6 509
-
health
2 538
-
4 898
-
total
5 933
-
11 451
-
Corporate
40 958
85 000
-
-
income
7 781
16 150
-
-
total
7 781
16 150
-
-
Dividends
33 177
68 850
-
-
withholding
4 977
10 328
-
-
total
4 977
10 328
-
-
Income
85 000
85 000
85 000
85 000
Total tax
33 685
26 478
43 406
40 972
After tax
51 315
58 522
41 594
44 028
Living cost
23 115
23 115
23 115
23 115
Free-cash
28 200
35 407
18 479
20 913

Estimated living cost  is ₽23115 per week

₽15864
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1482
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽448
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.
₽5323
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
₽31124
₽23568
₽19414
₽22932
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
-
-
-
24 531
health

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

-
-
-
5 618
total
-
-
-
30 149
Employee
39 534
-
81 036
-
social contributions
3 961
-
3 964
-
income
4 290
-
14 665
-
total
8 251
-
18 629
-
Employer
39 534
-
81 036
-
social contributions
3 961
-
3 964
-
total
3 961
-
3 964
-
Corporate
41 505
85 000
-
-
income
14 527
29 750
-
-
total
14 527
29 750
-
-
Dividends
26 978
55 250
-
-
social contributions
4 046
4 553
-
-
total
4 046
4 553
-
-
Income
85 000
85 000
85 000
85 000
Total tax
30 785
34 303
22 593
30 149
After tax
54 215
50 697
62 407
54 851
Living cost
31 283
31 283
31 283
31 283
Free-cash
22 932
19 414
31 124
23 568

Estimated living cost  is ₽31283 per week

₽20606
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2466
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽479
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.
₽7731
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
₽36524
₽36314
₽33584
₽34031
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
social contributions
-
-
-
11 729
health
-
-
-
5 933
total
-
-
-
30 412
Employee
29 220
-
85 000
-
income
4 874
-
12 540
-
social contributions
4 033
-
11 729
-
health
2 039
-
5 933
-
total
10 946
-
30 202
-
Employer
29 220
-
85 000
-
total
-
-
-
-
Corporate
55 780
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%.

2 788
4 250
-
-
total
2 788
4 250
-
-
Dividends
52 992
80 750
-
-
withholding
7 948
12 112
-
-
health
3 699
5 636
-
-
social contributions
7 314
11 144
-
-
total
18 961
28 892
-
-
Income
85 000
85 000
85 000
85 000
Total tax
32 695
33 142
30 202
30 412
After tax
52 305
51 858
54 798
54 588
Living cost
18 274
18 274
18 274
18 274
Free-cash
34 031
33 584
36 524
36 314

Estimated living cost  is ₽18274 per week

₽12230
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1127
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽420
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.
₽4496
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
₽19754
₽18018
₽35142
₽26800
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
social contributions
-
-
-
24 820
solidarity contribution
-
-
-
-
health
-
-
-
11 475
total
-
-
-
43 601
Employee
34 384
-
63 433
-
solidarity contribution
-
-
-
-
income
4 126
-
7 612
-
social contributions
2 235
-
4 123
-
health
4 642
-
8 563
-
total
11 003
-
20 298
-
Employer
34 384
-
63 433
-
social contributions
8 596
-
15 858
-
health
3 095
-
5 709
-
total
11 691
-
21 567
-
Corporate
38 925
85 000
-
-
income
7 396
16 150
-
-
total
7 396
16 150
-
-
Dividends
31 529
68 850
-
-
withholding
4 729
10 327
-
-
total
4 729
10 327
-
-
Income
85 000
85 000
85 000
85 000
Total tax
34 819
26 477
41 865
43 601
After tax
50 181
58 523
43 135
41 399
Living cost
23 381
23 381
23 381
23 381
Free-cash
26 800
35 142
19 754
18 018

Estimated living cost  is ₽23381 per week

₽17388
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1295
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽405
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.
₽4294
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
₽58362
₽74512
₽71112
₽69305
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
12 048
-
85 000
-
income
2 410
-
17 000
-
total
2 410
-
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%.

72 952
85 000
-
-
total
-
-
-
-
Dividends
72 952
85 000
-
-
withholding
3 647
4 250
-
-
total
3 647
4 250
-
-
Income
85 000
85 000
85 000
85 000
Total tax
6 057
4 250
17 000
850
After tax
78 943
80 750
68 000
84 150
Living cost
9 638
9 638
9 638
9 638
Free-cash
69 305
71 112
58 362
74 512

Estimated living cost  is ₽9638 per week

₽6522
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽405
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽323
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2388
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

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

Paris , France
₽6470
₽7355
₽1215
₽7139
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
-
-
-
7 928
social contributions
-
-
-
2 422
health
-
-
-
1 509
surtax
-
-
-
-
pensions
-
-
-
21 524
other
-
-
-
2 638
total
-
-
-
36 021
Employee
53 976
-
64 773
-
income
4 710
-
7 506
-
social contributions
1 537
-
1 846
-
surtax
-
-
-
-
pensions
6 105
-
7 327
-
total
12 352
-
16 679
-
Employer
53 976
-
64 773
-
unemployment
2 187
-
2 623
-
social contributions
162
-
195
-
pensions
8 869
-
10 642
-
other
1 863
-
2 234
-
health
3 778
-
4 533
-
total
16 859
-
20 227
-
Corporate
14 166
85 000
-
-
income
3 966
23 800
-
-
surtax
-
-
-
-
total
3 966
23 800
-
-
Dividends
10 200
61 200
-
-
withholding
1 305
7 834
-
-
surtax
-
-
-
-
social contributions
1 755
10 527
-
-
total
3 060
18 361
-
-
Income
85 000
85 000
85 000
85 000
Total tax
36 237
42 161
36 906
36 021
After tax
48 763
42 839
48 094
48 979
Living cost
41 624
41 624
41 624
41 624
Free-cash
7 139
1 215
6 470
7 355

Estimated living cost  is ₽41624 per week

₽28170
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3405
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽571
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9477
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Belgrade , Serbia
₽29990
₽29989
₽46548
₽42320
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
income
-
-
-
16 137
health
-
-
-
6 542
unemployment
-
-
-
953
pensions
-
-
-
16 515
total
-
-
-
40 147
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.

22 414
-
73 630
-
income
3 090
-
16 137
-
health
1 154
-
3 271
-
unemployment
168
-
476
-
pensions
3 138
-
8 893
-
total
7 550
-
28 777
-
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.

22 414
-
73 630
-
unemployment
168
-
476
-
pensions
2 690
-
7 622
-
health
1 154
-
3 271
-
total
4 012
-
11 369
-
Corporate
58 574
85 000
-
-
income
8 786
12 750
-
-
total
8 786
12 750
-
-
Dividends
49 788
72 250
-
-
withholding
7 468
10 838
-
-
total
7 468
10 838
-
-
Income
85 000
85 000
85 000
85 000
Total tax
27 816
23 588
40 146
40 147
After tax
57 184
61 412
44 854
44 853
Living cost
14 864
14 864
14 864
14 864
Free-cash
42 320
46 548
29 990
29 989

Estimated living cost  is ₽14864 per week

₽10008
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1150
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽430
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3276
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
₽6276
₽10495
-₽21303
₽4441
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
regional
-
-
-
3 086
national
-
-
-
635
health
-
-
-
196
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.

-
-
-
1 700
pensions
-
-
-
7 820
total
-
-
-
14 333
Employee
70 417
-
76 078
-
regional
2 306
-
2 624
-
city
756
-
818
-
health
159
-
172
-
unemployment
-
-
-
-
national
333
-
460
-
pensions
5 916
-
6 392
-
total
9 470
-
10 466
-
Employer
70 417
-
76 078
-
unemployment
-
-
-
-
pensions
5 916
-
6 392
-
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.

1 408
-
1 522
-
health
159
-
172
-
total
7 483
-
8 086
-
Corporate
6 326
85 000
-
-
regional
1 338
17 978
-
-
national
538
7 225
-
-
total
1 876
25 203
-
-
Dividends
4 450
59 797
-
-
withholding
1 558
20 928
-
-
total
1 558
20 928
-
-
Income
85 000
85 000
85 000
85 000
Total tax
20 387
46 131
18 552
14 333
After tax
64 613
38 869
66 448
70 667
Living cost
60 172
60 172
60 172
60 172
Free-cash
4 441
-21 303
6 276
10 495

Estimated living cost  is ₽60172 per week

₽39129
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5400
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽739
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.
₽14904
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
₽15500
₽27403
₽23520
₽21525
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
-
-
-
15 129
national
-
-
-
8 432
health
-
-
-
949
total
-
-
-
24 510
Employee
45 341
-
71 506
-
health
339
-
741
-
unemployment
680
-
1 073
-
national
749
-
4 605
-
municipal
7 426
-
11 675
-
pensions
3 060
-
4 826
-
total
12 254
-
22 920
-
Employer
45 341
-
71 506
-
unemployment
294
-
464
-
pensions
7 866
-
12 406
-
accident
46
-
72
-
health
348
-
551
-
total
8 554
-
13 493
-
Corporate
31 104
85 000
-
-
income
6 221
17 000
-
-
total
6 221
17 000
-
-
Dividends

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

18 662
51 000
-
-
national
-
2 213
-
-
municipal
3 359
9 180
-
-
total
3 359
11 393
-
-
Income
85 000
85 000
85 000
85 000
Total tax
30 388
28 393
36 413
24 510
After tax
54 612
56 607
48 587
60 490
Living cost
33 087
33 087
33 087
33 087
Free-cash
21 525
23 520
15 500
27 403

Estimated living cost  is ₽33087 per week

₽21612
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3183
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽527
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.
₽7767
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
₽1788
₽8645
₽16255
₽3331
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
national
-
-
-
27 429
social contributions
-
-
-
13 196
communal

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

-
-
-
4 308
total
-
-
-
44 933
Employee

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

61 645
-
65 831
-
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.

2 896
-
3 094
-
communal

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

3 215
-
3 434
-
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.

536
-
572
-
national
18 952
-
20 589
-
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.

4 623
-
4 937
-
total
30 222
-
32 626
-
Employer

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

61 645
-
65 831
-
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.

899
-
962
-
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.

5 462
-
5 832
-
surtax
6 990
-
7 464
-
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.

801
-
857
-
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.

3 791
-
4 049
-
total
17 943
-
19 164
-
Corporate
5 412
85 000
-
-
income
1 083
17 000
-
-
surtax
21
340
-
-
total
1 104
17 340
-
-
Dividends
4 308
67 660
-
-
withholding

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

978
19 983
-
-
total
978
19 983
-
-
Income
85 000
85 000
85 000
85 000
Total tax
50 247
37 323
51 790
44 933
After tax
34 753
47 677
33 210
40 067
Living cost
31 422
31 422
31 422
31 422
Free-cash
3 331
16 255
1 788
8 645

Estimated living cost  is ₽31422 per week

₽20240
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2748
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽492
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.
₽7943
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
₽10061
₽8582
₽11081
₽10287
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
-
-
-
18 658
national
-
-
-
-
health
-
-
-
4 832
accident
-
-
-
155
unemployment
-
-
-
77
pensions
-
-
-
8 370
other
-
-
-
8 997
total
-
-
-
41 089
Employee
50 341
-
64 678
-
national
-
-
-
-
municipal
15 012
-
19 287
-
total
15 012
-
19 287
-
Employer
50 341
-
64 678
-
unemployment
1 329
-
1 708
-
pensions
5 442
-
6 992
-
other
5 850
-
7 516
-
accident
101
-
129
-
health
3 096
-
3 978
-
total
15 818
-
20 323
-
Corporate
18 842
85 000
-
-
income
4 145
18 700
-
-
total
4 145
18 700
-
-
Dividends
14 697
66 300
-
-
withholding
4 409
19 890
-
-
total
4 409
19 890
-
-
Income
85 000
85 000
85 000
85 000
Total tax
39 384
38 590
39 610
41 089
After tax
45 616
46 410
45 390
43 911
Living cost
35 329
35 329
35 329
35 329
Free-cash
10 287
11 081
10 061
8 582

Estimated living cost  is ₽35329 per week

₽23415
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3467
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽537
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.
₽7911
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
₽34248
₽19848
₽12820
-₽49401
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
55 768
-
-
-
income
12 301
-
-
-
social contributions
4 573
-
652
-
total
16 874
-
652
-
Employer
55 768
-
-
-
social contributions
78 633
-
11 206
-
total
78 633
-
11 206
-
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
95 507
33 286
11 858
26 258
After tax
-10 507
51 714
73 142
58 742
Living cost
38 894
38 894
38 894
38 894
Free-cash
-49 401
12 820
34 248
19 848

Estimated living cost  is ₽38894 per week

₽25236
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3658
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽496
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.
₽9504
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
₽32423
₽32508
₽34273
₽30700
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
-
-
-
9 113
social contributions
-
-
-
13 260
health
-
-
-
2 167
total
-
-
-
24 540
Employee
66 268
66 268
77 168
-
income
6 959
6 134
9 077
-
social contributions
3 220
5 500
6 404
-
health
659
1 127
1 312
-
total
10 838
12 761
16 793
-
Employer
66 268
66 268
77 168
-
social contributions
3 220
5 500
6 404
-
health
718
1 227
1 428
-
total
3 938
6 727
7 832
-
Corporate
42 272
12 006
-
-
income
5 284
1 501
-
-
total
5 284
1 501
-
-
Dividends
36 988
10 504
-
-
withholding
6 288
1 786
-
-
total
6 288
1 786
-
-
Income
85 000
85 000
85 000
85 000
Total tax
26 348
22 775
24 625
24 540
After tax
58 652
62 225
60 375
60 460
Living cost
27 952
27 952
27 952
27 952
Free-cash
30 700
34 273
32 423
32 508

Estimated living cost  is ₽27952 per week

₽19108
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2183
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽469
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.
₽6192
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
₽21954
₽29896
₽31200
₽27679
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
-
-
-
17 601
pensions
-
-
-
6 244
total
-
-
-
23 845
Employee
42 907
-
74 838
-
income
7 814
-
13 303
-
health
560
-
1 214
-
pensions
3 275
-
7 108
-
total
11 649
-
21 625
-
Employer
42 907
-
74 838
-
pensions
4 335
-
8 740
-
health
815
-
1 422
-
total
5 150
-
10 162
-
Corporate
36 942
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.

7 019
16 150
-
-
total
7 019
16 150
-
-
Dividends
29 923
68 850
-
-
withholding
2 244
6 391
-
-
total
2 244
6 391
-
-
Income
85 000
85 000
85 000
85 000
Total tax
26 062
22 541
31 787
23 845
After tax
58 938
62 459
53 213
61 155
Living cost
31 259
31 259
31 259
31 259
Free-cash
27 679
31 200
21 954
29 896

Estimated living cost  is ₽31259 per week

₽21443
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2875
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.
₽6548
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
₽4691
₽8579
₽10440
₽6520
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
-
-
-
567
regional
-
-
-
1 687
national
-
-
-
17 973
social contributions
-
-
-
21 862
total
-
-
-
42 089
Employee
72 620
-
85 000
-
regional
1 096
-
1 419
-
social contributions
24 487
-
28 662
-
national
12 272
-
15 389
-
municipal
433
-
507
-
total
38 288
-
45 977
-
Employer
72 620
-
85 000
-
total
-
-
-
-
Corporate
12 380
85 000
-
-
nationa
2 972
20 400
-
-
municipal
597
4 097
-
-
total
3 569
24 497
-
-
Dividends
8 811
60 503
-
-
withholding
2 291
15 731
-
-
total
2 291
15 731
-
-
Income
85 000
85 000
85 000
85 000
Total tax
44 148
40 228
45 977
42 089
After tax
40 852
44 772
39 023
42 911
Living cost
34 332
34 332
34 332
34 332
Free-cash
6 520
10 440
4 691
8 579

Estimated living cost  is ₽34332 per week

₽24116
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2362
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽518
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.
₽7335
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
₽26364
₽40525
-₽10904
₽4156
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
-
-
-
21 055
health
-
-
-
1 763
accident
-
-
-
204
pensions
-
-
-
3 364
other
-
-
-
300
total
-
-
-
26 686
Employee
27 983
-
73 081
-
income
3 839
-
14 391
-
health
3 204
-
8 368
-
pensions
3 151
-
6 169
-
total
10 194
-
28 928
-
Employer
27 983
-
73 081
-
unemployment
686
-
1 791
-
pensions
4 550
-
8 908
-
accident
467
-
1 220
-
total
5 703
-
11 919
-
Corporate
51 314
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.

46 183
76 500
-
-
total
46 183
76 500
-
-
Dividends
5 131
8 500
-
-
withholding
975
1 615
-
-
total
975
1 615
-
-
Income
85 000
85 000
85 000
85 000
Total tax
63 055
78 115
40 847
26 686
After tax
21 945
6 885
44 153
58 314
Living cost
17 789
17 789
17 789
17 789
Free-cash
4 156
-10 904
26 364
40 525

Estimated living cost  is ₽17789 per week

₽13038
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽986
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽371
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.
₽3395
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
₽27387
₽20939
₽10582
₽21855
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
income

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

-
-
-
17 491
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.

-
-
-
5 888
trade
-
-
-
6 448
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.

-
-
-
962
total
-
-
-
30 789
Employee

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

42 880
-
85 000
-
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.

3 526
-
17 491
-
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.

5 888
-
5 888
-
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.

195
-
962
-
total
9 609
-
24 341
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
42 120
85 000
-
-
chamber of commerce
193
255
-
-
income
6 318
12 750
-
-
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.

347
702
-
-
trade
6 045
12 197
-
-
total
12 903
25 904
-
-
Dividends
29 219
59 097
-
-
withholding
6 977
14 447
-
-
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.

384
795
-
-
total
7 361
15 242
-
-
Income
85 000
85 000
85 000
85 000
Total tax
29 873
41 146
24 341
30 789
After tax
55 127
43 854
60 659
54 211
Living cost
33 272
33 272
33 272
33 272
Free-cash
21 855
10 582
27 387
20 939

Estimated living cost  is ₽33272 per week

₽22951
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3580
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽482
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6257
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
₽29996
₽27460
₽50071
₽43001
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
microenterprise
-
-
-
-
income
-
-
-
12 283
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.

-
-
-
27 328
surtax
-
-
-
-
total
-
-
-
39 611
Employee
25 182
-
68 499
-
income
4 483
-
13 040
-
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.

2 770
-
7 534
-
surtax
-
-
-
-
total
7 253
-
20 574
-
Employer
25 182
-
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.

6 066
-
16 501
-
surtax
-
-
-
-
total
6 066
-
16 501
-
Corporate
53 752
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%.

10 751
17 000
-
-
total
10 751
17 000
-
-
Dividends

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

43 001
68 000
-
-
total
-
-
-
-
Income
85 000
85 000
85 000
85 000
Total tax
24 070
17 000
37 075
39 611
After tax
60 930
68 000
47 925
45 389
Living cost
17 929
17 929
17 929
17 929
Free-cash
43 001
50 071
29 996
27 460

Estimated living cost  is ₽17929 per week

₽11438
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1707
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.
₽4376
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
₽36598
₽37398
₽41792
₽39943
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
-
-
-
22 202
health
-
-
-
5 948
pensions
-
-
-
8 204
total
-
-
-
36 354
Employee
17 132
-
75 770
-
income
3 314
-
21 772
-
health
857
-
2 051
-
unemployment
171
-
410
-
pensions
1 542
-
3 692
-
total
5 884
-
27 925
-
Employer
17 132
-
75 770
-
unemployment
343
-
820
-
pensions
1 885
-
4 512
-
health
1 628
-
3 897
-
total
3 856
-
9 229
-
Corporate
64 013
85 000
-
-
income
14 083
18 700
-
-
total
14 083
18 700
-
-
Dividends
49 931
66 300
-
-
withholding
9 986
13 260
-
-
total
9 986
13 260
-
-
Income
85 000
85 000
85 000
85 000
Total tax
33 809
31 960
37 154
36 354
After tax
51 191
53 040
47 846
48 646
Living cost
11 248
11 248
11 248
11 248
Free-cash
39 943
41 792
36 598
37 398

Estimated living cost  is ₽11248 per week

₽6684
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽912
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽258
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.
₽3394
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
₽22852
₽24495
₽34109
₽31366
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
-
-
-
15 986
health
-
-
-
6 035
unemployment
-
-
-
196
surtax
-
-
-
1 931
pensions
-
-
-
17 000
other
-
-
-
-
total
-
-
-
41 148
Employee
29 022
-
70 219
-
other
-
-
-
-
income
4 865
-
14 908
-
health
741
-
1 791
-
unemployment
2 020
-
4 887
-
surtax
103
-
1 742
-
pensions
1 936
-
4 684
-
total
9 665
-
28 012
-
Employer
29 022
-
70 219
-
unemployment
921
-
2 226
-
pensions
3 869
-
9 359
-
other
-
-
-
-
health
1 320
-
3 194
-
total
6 110
-
14 779
-
Corporate
49 868
85 000
-
-
income
12 966
22 099
-
-
total
12 966
22 099
-
-
Dividends
36 902
62 901
-
-
withholding
5 536
9 435
-
-
total
5 536
9 435
-
-
Income
85 000
85 000
85 000
85 000
Total tax
34 277
31 534
42 791
41 148
After tax
50 723
53 466
42 209
43 852
Living cost
19 357
19 357
19 357
19 357
Free-cash
31 366
34 109
22 852
24 495

Estimated living cost  is ₽19357 per week

₽11687
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1683
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.
₽5539
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
-₽1525
₽15811
₽20267
₽19842
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
-
-
-
13 842
chamber of commerce
-
-
-
340
health
-
-