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
₽ 85500
per

Your estimated
City
free-cash

Valencia , Spain
₽31098
₽22598
₽24035
₽35343
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
-
-
-
85 500
unemployment
-
-
-
525
income
-
-
-
16 708
other
-
-
-
75
accident
-
-
-
676
pensions
-
-
-
21 227
total
-
-
-
39 211
Employee
29 923
-
64 832
-
unemployment
464
-
1 004
-
pensions
1 407
-
3 047
-
income
5 769
-
15 865
-
other
29
-
64
-
total
7 669
-
19 980
-
Employer
29 923
-
64 832
-
pensions
7 061
-
15 300
-
accident
593
-
1 284
-
unemployment
1 646
-
3 566
-
other
240
-
518
-
total
9 540
-
20 668
-
Corporate
46 037
85 500
-
-
income

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

6 906
12 825
-
-
total
6 906
12 825
-
-
Dividends
39 131
72 675
-
-
withholding
8 033
15 078
-
-
total
8 033
15 078
-
-
Income
85 500
85 500
85 500
85 500
Total tax
32 148
27 903
40 648
39 211
After tax
53 352
57 597
44 852
46 289
Living cost
22 254
22 254
22 254
22 254
Free-cash
31 098
35 343
22 598
24 035

Estimated living cost  is ₽22254 per week

₽15021
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2139
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.
₽4704
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
₽35788
₽28264
₽24729
₽41253
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
-
-
-
85 500
pensions

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

-
-
-
20 519
income
-
-
-
10 865
other
-
-
-
4 062
health
-
-
-
3 762
total
-
-
-
39 208
Employee
29 383
-
68 289
-
health
412
-
957
-
unemployment
293
-
683
-
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.

2 056
-
4 781
-
income
5 059
-
12 043
-
total
7 820
-
18 464
-
Employer
29 383
-
68 289
-
health
412
-
957
-
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.

4 996
-
11 608
-
accident
235
-
547
-
unemployment
293
-
683
-
other
1 470
-
3 414
-
total
7 406
-
17 209
-
Corporate
48 712
85 500
-
-
income
10 229
17 956
-
-
total
10 229
17 956
-
-
Dividends
38 482
67 544
-
-
withholding
2 694
4 728
-
-
total
2 694
4 728
-
-
Income
85 500
85 500
85 500
85 500
Total tax
28 149
22 684
35 673
39 208
After tax
57 351
62 816
49 827
46 292
Living cost
21 563
21 563
21 563
21 563
Free-cash
35 788
41 253
28 264
24 729

Estimated living cost  is ₽21563 per week

₽15236
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.
₽4524
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
₽58718
₽57233
₽54498
₽62481
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
-
-
-
85 500
pensions

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

-
-
-
4 188
unemployment
-
-
-
113
income
-
-
-
12 825
health
-
-
-
3 254
total
-
-
-
20 380
Employee
14 065
-
79 948
-
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
1 406
-
7 995
-
total
3 443
-
12 093
-
Employer
14 065
-
79 948
-
health
971
-
1 953
-
pensions

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

1 550
-
3 118
-
accident

We are using the highest rate at 1.1%.

155
-
311
-
unemployment
84
-
170
-
total
2 760
-
5 552
-
Corporate
68 675
85 500
-
-
income
6 867
8 550
-
-
total
6 867
8 550
-
-
Dividends
61 807
76 950
-
-
withholding
3 090
3 847
-
-
total
3 090
3 847
-
-
Income
85 500
85 500
85 500
85 500
Total tax
16 160
12 397
17 645
20 380
After tax
69 340
73 103
67 855
65 120
Living cost
10 622
10 622
10 622
10 622
Free-cash
58 718
62 481
57 233
54 498

Estimated living cost  is ₽10622 per week

₽6201
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.
₽3381
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
₽20187
₽25564
₽21416
₽15406
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
-
-
-
85 500
income
-
-
-
8 788
other
-
-
-
2 655
health
-
-
-
1 834
social contributions
-
-
-
2 437
pensions
-
-
-
20 683
surtax
-
-
-
-
total
-
-
-
36 397
Employee
34 635
-
69 205
-
pensions
3 916
-
3 449
-
income
2 044
-
10 533
-
social contributions
987
-
1 972
-
surtax
-
-
-
-
total
6 947
-
15 954
-
Employer
34 635
-
69 205
-
health
2 425
-
4 844
-
social contributions
104
-
207
-
pensions
5 690
-
6 053
-
unemployment
1 402
-
2 803
-
other
1 195
-
2 388
-
total
10 816
-
16 295
-
Corporate
40 049
85 500
-
-
income
11 214
23 940
-
-
surtax
-
-
-
-
total
11 214
23 940
-
-
Dividends
28 835
61 560
-
-
social contributions
4 959
10 587
-
-
surtax
-
-
-
-
withholding
3 690
7 880
-
-
total
8 649
18 467
-
-
Income
85 500
85 500
85 500
85 500
Total tax
37 626
42 407
32 249
36 397
After tax
47 874
43 093
53 251
49 103
Living cost
27 687
27 687
27 687
27 687
Free-cash
20 187
15 406
25 564
21 416

Estimated living cost  is ₽27687 per week

₽17458
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2251
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽471
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.
₽7508
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
₽2621
₽8835
₽14605
₽7581
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
-
-
-
85 500
pensions
-
-
-
9 481
income
-
-
-
17 557
health
-
-
-
9 956
total
-
-
-
36 994
Employee
69 107
69 107
72 758
-
health
10 607
9 022
9 231
-
pensions
12 439
9 481
9 481
-
income

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

11 312
11 312
11 312
-
total
34 358
29 815
30 024
-
Employer
69 107
69 107
72 758
-
health
4 804
4 804
5 057
-
pensions
4 810
4 810
5 063
-
unemployment
2 488
2 488
2 620
-
total
12 102
12 102
12 740
-
Corporate
5 139
4 292
-
-
income
1 027
858
-
-
total
1 027
858
-
-
Dividends
4 112
3 433
-
-
income
874
729
-
-
withholding
617
514
-
-
total
1 491
1 243
-
-
Income
85 500
85 500
85 500
85 500
Total tax
48 978
44 018
42 764
36 994
After tax
36 522
41 482
42 736
48 506
Living cost
33 901
33 901
33 901
33 901
Free-cash
2 621
7 581
8 835
14 605

Estimated living cost  is ₽33901 per week

₽24025
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3056
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.
₽6281
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
₽27656
₽35761
₽28221
₽18702
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.

-
-
-
85 500
trade
-
-
-
7 540
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.

-
-
-
18 671
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.

-
-
-
5 529
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.

-
-
-
1 027
total
-
-
-
32 767
Employee

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

30 952
-
85 500
-
health

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

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

5 529
-
5 529
-
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
-
18 671
-
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
-
1 027
-
total
6 442
-
25 227
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
54 548
85 500
-
-
income
8 182
12 825
-
-
trade
8 591
13 467
-
-
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.

450
705
-
-
chamber of commerce
201
246
-
-
total
17 424
27 243
-
-
Dividends
37 123
58 258
-
-
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.

493
785
-
-
withholding
8 973
14 258
-
-
total
9 466
15 043
-
-
Income
85 500
85 500
85 500
85 500
Total tax
33 332
42 286
25 227
32 767
After tax
52 168
43 214
60 273
52 733
Living cost
24 512
24 512
24 512
24 512
Free-cash
27 656
18 702
35 761
28 221

Estimated living cost  is ₽24512 per week

₽15419
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2858
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.
₽5777
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
₽39418
₽41209
₽41463
₽43823
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
-
-
-
85 500
income
-
-
-
10 027
health
-
-
-
2 181
social contributions
-
-
-
13 093
total
-
-
-
25 301
Employee
62 228
62 228
77 622
-
health
482
1 058
1 319
-
income
6 776
5 760
9 916
-
social contributions
2 353
5 165
6 442
-
total
9 611
11 983
17 677
-
Employer
62 228
62 228
77 622
-
health
524
1 152
1 436
-
social contributions
2 353
5 165
6 442
-
total
2 877
6 317
7 878
-
Corporate
54 277
16 956
-
-
income
6 785
2 119
-
-
total
6 785
2 119
-
-
Dividends
47 492
14 837
-
-
withholding
8 073
2 522
-
-
total
8 073
2 522
-
-
Income
85 500
85 500
85 500
85 500
Total tax
27 346
22 941
25 555
25 301
After tax
58 154
62 559
59 945
60 199
Living cost
18 736
18 736
18 736
18 736
Free-cash
39 418
43 823
41 209
41 463

Estimated living cost  is ₽18736 per week

₽11229
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1838
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.
₽5255
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
₽22434
₽17584
₽22212
₽23248
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.

-
-
-
85 500
income
-
-
-
8 193
social contributions

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

-
-
-
29 711
surtax
-
-
-
-
total
-
-
-
37 904
Employee
37 219
-
69 091
-
income
7 742
-
18 523
-
social contributions
4 094
-
7 600
-
surtax
-
-
-
-
total
11 836
-
26 123
-
Employer
37 219
-
69 091
-
social contributions
8 840
-
16 409
-
total
8 840
-
16 409
-
Corporate
39 441
85 500
-
-
income
8 282
17 956
-
-
surtax
-
-
-
-
total
8 282
17 956
-
-
Dividends
31 159
67 544
-
-
withholding
8 724
18 912
-
-
total
8 724
18 912
-
-
Income
85 500
85 500
85 500
85 500
Total tax
37 682
36 868
42 532
37 904
After tax
47 818
48 632
42 968
47 596
Living cost
25 384
25 384
25 384
25 384
Free-cash
22 434
23 248
17 584
22 212

Estimated living cost  is ₽25384 per week

₽18992
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1497
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.
₽4470
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
₽74044
₽62353
₽78598
₽75178
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%.

-
-
-
85 500
microenterprise

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

-
-
-
855
total
-
-
-
855
Employee
7 559
-
85 500
-
income
1 512
-
17 100
-
total
1 512
-
17 100
-
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%.

77 941
85 500
-
-
total
-
-
-
-
Dividends
77 941
85 500
-
-
withholding
3 897
4 275
-
-
total
3 897
4 275
-
-
Income
85 500
85 500
85 500
85 500
Total tax
5 409
4 275
17 100
855
After tax
80 091
81 225
68 400
84 645
Living cost
6 047
6 047
6 047
6 047
Free-cash
74 044
75 178
62 353
78 598

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
₽30392
₽19878
₽22328
₽37161
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.

-
-
-
85 500
pensions
-
-
-
15 615
unemployment
-
-
-
129
income
-
-
-
17 308
health
-
-
-
8 414
total
-
-
-
41 466
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.

35 785
-
73 982
-
health
2 311
-
4 779
-
unemployment
51
-
103
-
pensions
5 547
-
11 467
-
income
6 171
-
16 048
-
total
14 080
-
32 397
-
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.

35 785
-
73 982
-
health
2 383
-
4 927
-
pensions
3 167
-
6 547
-
unemployment
21
-
45
-
total
5 571
-
11 519
-
Corporate
44 143
85 500
-
-
income
8 387
16 245
-
-
total
8 387
16 245
-
-
Dividends
35 757
69 255
-
-
withholding
5 364
10 388
-
-
total
5 364
10 388
-
-
Income
85 500
85 500
85 500
85 500
Total tax
33 402
26 633
43 916
41 466
After tax
52 098
58 867
41 584
44 034
Living cost
21 706
21 706
21 706
21 706
Free-cash
30 392
37 161
19 878
22 328

Estimated living cost  is ₽21706 per week

₽14896
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1391
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.
₽4999
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
₽24753
₽33487
₽27963
₽21924
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.

-
-
-
85 500
income
-
-
-
23 036
health

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

-
-
-
5 125
total
-
-
-
28 161
Employee
37 124
-
81 777
-
social contributions
3 719
-
3 723
-
income
4 028
-
15 191
-
total
7 747
-
18 914
-
Employer
37 124
-
81 777
-
social contributions
3 719
-
3 723
-
total
3 719
-
3 723
-
Corporate
44 657
85 500
-
-
income
15 630
29 925
-
-
total
15 630
29 925
-
-
Dividends
29 026
55 575
-
-
social contributions
4 275
4 275
-
-
total
4 275
4 275
-
-
Income
85 500
85 500
85 500
85 500
Total tax
31 371
34 200
22 637
28 161
After tax
54 129
51 300
62 863
57 339
Living cost
29 376
29 376
29 376
29 376
Free-cash
24 753
21 924
33 487
27 963

Estimated living cost  is ₽29376 per week

₽19350
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.
₽7259
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
₽35423
₽37661
₽37748
₽35002
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
-
-
-
85 500
income
-
-
-
12 825
health
-
-
-
5 968
social contributions
-
-
-
11 799
total
-
-
-
30 592
Employee
27 438
-
85 500
-
health
1 915
-
5 968
-
income
4 576
-
12 912
-
social contributions
3 787
-
11 799
-
total
10 278
-
30 679
-
Employer
27 438
-
85 500
-
total
-
-
-
-
Corporate
58 062
85 500
-
-
income

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

2 902
4 275
-
-
total
2 902
4 275
-
-
Dividends
55 159
81 225
-
-
social contributions
7 613
11 209
-
-
withholding
8 274
12 184
-
-
health
3 850
5 670
-
-
total
19 737
29 063
-
-
Income
85 500
85 500
85 500
85 500
Total tax
32 917
33 338
30 679
30 592
After tax
52 583
52 162
54 821
54 908
Living cost
17 160
17 160
17 160
17 160
Free-cash
35 423
35 002
37 661
37 748

Estimated living cost  is ₽17160 per week

₽11484
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.
₽4222
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
₽28196
₽20782
₽19036
₽36261
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
-
-
-
85 500
income
-
-
-
7 349
health
-
-
-
11 543
social contributions
-
-
-
24 966
solidarity contribution
-
-
-
-
total
-
-
-
43 858
Employee
33 244
-
63 806
-
health
4 488
-
8 614
-
solidarity contribution
-
-
-
-
income
3 989
-
7 657
-
social contributions
2 161
-
4 147
-
total
10 638
-
20 418
-
Employer
33 244
-
63 806
-
health
2 992
-
5 743
-
social contributions
8 311
-
15 951
-
total
11 303
-
21 694
-
Corporate
40 953
85 500
-
-
income
7 781
16 245
-
-
total
7 781
16 245
-
-
Dividends
33 172
69 255
-
-
withholding
4 976
10 388
-
-
total
4 976
10 388
-
-
Income
85 500
85 500
85 500
85 500
Total tax
34 698
26 633
42 112
43 858
After tax
50 802
58 867
43 388
41 642
Living cost
22 606
22 606
22 606
22 606
Free-cash
28 196
36 261
20 782
19 036

Estimated living cost  is ₽22606 per week

₽16811
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1252
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.
₽4151
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
₽70034
₽58976
₽75221
₽71801
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%.

-
-
-
85 500
microenterprise

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

-
-
-
855
total
-
-
-
855
Employee
11 780
-
85 500
-
income
2 356
-
17 100
-
total
2 356
-
17 100
-
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%.

73 720
85 500
-
-
total
-
-
-
-
Dividends
73 720
85 500
-
-
withholding
3 686
4 275
-
-
total
3 686
4 275
-
-
Income
85 500
85 500
85 500
85 500
Total tax
6 042
4 275
17 100
855
After tax
79 458
81 225
68 400
84 645
Living cost
9 424
9 424
9 424
9 424
Free-cash
70 034
71 801
58 976
75 221

Estimated living cost  is ₽9424 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
₽9569
₽14165
₽10017
₽4007
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
-
-
-
85 500
income
-
-
-
8 788
other
-
-
-
2 655
health
-
-
-
1 834
social contributions
-
-
-
2 437
pensions
-
-
-
20 683
surtax
-
-
-
-
total
-
-
-
36 397
Employee
50 685
-
69 205
-
pensions
5 733
-
3 449
-
income
4 422
-
10 533
-
social contributions
1 444
-
1 972
-
surtax
-
-
-
-
total
11 599
-
15 954
-
Employer
50 685
-
69 205
-
health
3 547
-
4 844
-
social contributions
152
-
207
-
pensions
8 328
-
6 053
-
unemployment
2 053
-
2 803
-
other
1 749
-
2 388
-
total
15 829
-
16 295
-
Corporate
18 985
85 500
-
-
income
5 315
23 940
-
-
surtax
-
-
-
-
total
5 315
23 940
-
-
Dividends
13 670
61 560
-
-
social contributions
2 353
10 587
-
-
surtax
-
-
-
-
withholding
1 749
7 880
-
-
total
4 102
18 467
-
-
Income
85 500
85 500
85 500
85 500
Total tax
36 845
42 407
32 249
36 397
After tax
48 655
43 093
53 251
49 103
Living cost
39 086
39 086
39 086
39 086
Free-cash
9 569
4 007
14 165
10 017

Estimated living cost  is ₽39086 per week

₽26453
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3197
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.
₽8899
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
₽43863
₽31877
₽31877
₽47830
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.

-
-
-
85 500
pensions
-
-
-
15 493
unemployment
-
-
-
894
income
-
-
-
17 154
health
-
-
-
6 138
total
-
-
-
39 679
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.

21 027
-
74 834
-
health
1 083
-
3 069
-
unemployment
158
-
447
-
pensions
2 944
-
8 342
-
income
2 898
-
17 154
-
total
7 083
-
29 012
-
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.

21 027
-
74 834
-
health
1 083
-
3 069
-
pensions
2 523
-
7 151
-
unemployment
158
-
447
-
total
3 764
-
10 667
-
Corporate
60 709
85 500
-
-
income
9 106
12 825
-
-
total
9 106
12 825
-
-
Dividends
51 603
72 675
-
-
withholding
7 740
10 901
-
-
total
7 740
10 901
-
-
Income
85 500
85 500
85 500
85 500
Total tax
27 693
23 726
39 679
39 679
After tax
57 807
61 774
45 821
45 821
Living cost
13 944
13 944
13 944
13 944
Free-cash
43 863
47 830
31 877
31 877

Estimated living cost  is ₽13944 per week

₽9389
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.
₽403
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3073
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
₽6872
₽10270
₽14514
-₽17231
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
-
-
-
85 500
pensions
-
-
-
7 866
city
-
-
-
901
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.

-
-
-
1 710
health
-
-
-
192
regional
-
-
-
3 257
national
-
-
-
733
total
-
-
-
14 659
Employee
65 917
-
76 528
-
health
149
-
172
-
unemployment
-
-
-
-
city
707
-
822
-
pensions
5 538
-
6 428
-
regional
2 158
-
2 792
-
national
312
-
558
-
total
8 864
-
10 772
-
Employer
65 917
-
76 528
-
health
149
-
172
-
pensions
5 538
-
6 428
-
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
-
1 531
-
total
7 005
-
8 131
-
Corporate
11 853
85 500
-
-
regional
2 507
18 084
-
-
national
1 007
7 268
-
-
total
3 514
25 352
-
-
Dividends
8 339
60 148
-
-
withholding
2 918
21 052
-
-
total
2 918
21 052
-
-
Income
85 500
85 500
85 500
85 500
Total tax
22 301
46 404
18 903
14 659
After tax
63 199
39 096
66 597
70 841
Living cost
56 327
56 327
56 327
56 327
Free-cash
6 872
-17 231
10 270
14 514

Estimated living cost  is ₽56327 per week

₽36629
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5055
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.
₽13952
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
₽24144
₽17348
₽29133
₽25431
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

-
-
-
85 500
municipal
-
-
-
15 214
health
-
-
-
978
national
-
-
-
9 106
total
-
-
-
25 298
Employee
42 576
-
71 927
-
health
318
-
769
-
unemployment
639
-
1 080
-
pensions
2 873
-
4 854
-
national
703
-
5 068
-
municipal
6 974
-
11 740
-
total
11 507
-
23 511
-
Employer
42 576
-
71 927
-
health
327
-
554
-
pensions
7 387
-
12 479
-
accident
43
-
72
-
unemployment
276
-
467
-
total
8 033
-
13 572
-
Corporate
34 890
85 500
-
-
income
6 978
17 100
-
-
total
6 978
17 100
-
-
Dividends

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

20 934
51 300
-
-
municipal
3 769
9 234
-
-
national
-
2 666
-
-
total
3 769
11 900
-
-
Income
85 500
85 500
85 500
85 500
Total tax
30 287
29 000
37 083
25 298
After tax
55 213
56 500
48 417
60 202
Living cost
31 069
31 069
31 069
31 069
Free-cash
24 144
25 431
17 348
29 133

Estimated living cost  is ₽31069 per week

₽20294
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2988
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽494
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.
₽7293
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
₽6291
₽3550
₽10093
₽18430
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
-
-
-
85 500
communal

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

-
-
-
4 315
social contributions
-
-
-
13 585
national
-
-
-
28 001
total
-
-
-
45 901
Employee

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

57 886
-
66 222
-
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
-
3 113
-
communal

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

3 019
-
3 454
-
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
-
576
-
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.

4 341
-
4 966
-
national
17 797
-
21 057
-
total
28 381
-
33 166
-
Employer

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

57 886
-
66 222
-
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.

3 560
-
4 073
-
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.

5 129
-
5 868
-
surtax
6 564
-
7 510
-
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.

752
-
860
-
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
-
967
-
total
16 850
-
19 278
-
Corporate
10 764
85 500
-
-
income
2 153
17 100
-
-
surtax
43
342
-
-
total
2 196
17 442
-
-
Dividends
8 568
68 057
-
-
withholding

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

2 276
20 122
-
-
total
2 276
20 122
-
-
Income
85 500
85 500
85 500
85 500
Total tax
49 703
37 564
52 444
45 901
After tax
35 797
47 936
33 056
39 599
Living cost
29 506
29 506
29 506
29 506
Free-cash
6 291
18 430
3 550
10 093

Estimated living cost  is ₽29506 per week

₽19006
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2580
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.
₽7459
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
₽11005
₽10763
₽9560
₽11788
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
-
-
-
85 500
unemployment
-
-
-
77
municipal
-
-
-
18 889
other
-
-
-
8 887
health
-
-
-
4 772
national
-
-
-
-
accident
-
-
-
153
pensions
-
-
-
8 267
total
-
-
-
41 045
Employee
49 722
-
65 058
-
national
-
-
-
-
municipal
14 827
-
19 400
-
total
14 827
-
19 400
-
Employer
49 722
-
65 058
-
health
3 058
-
4 001
-
pensions
5 375
-
7 033
-
accident
99
-
130
-
unemployment
1 313
-
1 718
-
other
5 778
-
7 560
-
total
15 623
-
20 442
-
Corporate
20 155
85 500
-
-
income
4 434
18 810
-
-
total
4 434
18 810
-
-
Dividends
15 721
66 690
-
-
withholding
4 716
20 007
-
-
total
4 716
20 007
-
-
Income
85 500
85 500
85 500
85 500
Total tax
39 600
38 817
39 842
41 045
After tax
45 900
46 683
45 658
44 455
Living cost
34 895
34 895
34 895
34 895
Free-cash
11 005
11 788
10 763
9 560

Estimated living cost  is ₽34895 per week

₽23127
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3424
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.
₽7814
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
-₽47102
₽35428
₽20714
₽13645
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
-
-
-
85 500
income
-
-
-
16 666
social contributions
-
-
-
9 747
total
-
-
-
26 413
Employee
55 021
-
-
-
income
12 137
-
-
-
social contributions
4 512
-
643
-
total
16 649
-
643
-
Employer
55 021
-
-
-
social contributions
77 580
-
11 056
-
total
77 580
-
11 056
-
Corporate
-
85 500
-
-
income
-
18 810
-
-
total
-
18 810
-
-
Dividends
-
66 690
-
-
income
-
14 672
-
-
total
-
14 672
-
-
Income
85 500
85 500
85 500
85 500
Total tax
94 229
33 482
11 699
26 413
After tax
-8 729
52 018
73 801
59 087
Living cost
38 373
38 373
38 373
38 373
Free-cash
-47 102
13 645
35 428
20 714

Estimated living cost  is ₽38373 per week

₽24898
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.
₽9377
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
₽32957
₽33697
₽33951
₽36311
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
-
-
-
85 500
income
-
-
-
10 027
health
-
-
-
2 181
social contributions
-
-
-
13 093
total
-
-
-
25 301
Employee
62 228
62 228
77 622
-
health
619
1 058
1 319
-
income
6 534
5 760
9 916
-
social contributions
3 024
5 165
6 442
-
total
10 177
11 983
17 677
-
Employer
62 228
62 228
77 622
-
health
674
1 152
1 436
-
social contributions
3 024
5 165
6 442
-
total
3 698
6 317
7 878
-
Corporate
45 377
16 956
-
-
income
5 671
2 119
-
-
total
5 671
2 119
-
-
Dividends
39 705
14 837
-
-
withholding
6 749
2 522
-
-
total
6 749
2 522
-
-
Income
85 500
85 500
85 500
85 500
Total tax
26 295
22 941
25 555
25 301
After tax
59 205
62 559
59 945
60 199
Living cost
26 248
26 248
26 248
26 248
Free-cash
32 957
36 311
33 697
33 951

Estimated living cost  is ₽26248 per week

₽17943
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2050
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.
₽5814
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
₽30744
₽23920
₽31656
₽32614
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
-
-
-
85 500
income
-
-
-
18 949
pensions
-
-
-
5 972
total
-
-
-
24 921
Employee
39 701
-
75 166
-
health
518
-
1 245
-
pensions
3 030
-
7 286
-
income
7 230
-
13 793
-
total
10 778
-
22 324
-
Employer
39 701
-
75 166
-
health
755
-
1 428
-
pensions
4 011
-
8 905
-
total
4 766
-
10 333
-
Corporate
41 034
85 500
-
-
income

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

7 796
16 245
-
-
total
7 796
16 245
-
-
Dividends
33 238
69 255
-
-
withholding
2 493
7 718
-
-
total
2 493
7 718
-
-
Income
85 500
85 500
85 500
85 500
Total tax
25 833
23 963
32 657
24 921
After tax
59 667
61 537
52 843
60 579
Living cost
28 923
28 923
28 923
28 923
Free-cash
30 744
32 614
23 920
31 656

Estimated living cost  is ₽28923 per week

₽19841
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2660
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.
₽6059
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
₽9115
₽6556
₽10467
₽12797
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
-
-
-
85 500
municipal
-
-
-
571
regional
-
-
-
1 750
social contributions
-
-
-
21 991
national
-
-
-
18 482
total
-
-
-
42 794
Employee
68 193
-
85 500
-
social contributions
22 994
-
28 830
-
regional
1 030
-
1 481
-
national
11 524
-
15 884
-
municipal
407
-
510
-
total
35 955
-
46 705
-
Employer
68 193
-
85 500
-
total
-
-
-
-
Corporate
17 307
85 500
-
-
nationa
4 154
20 520
-
-
municipal
834
4 122
-
-
total
4 988
24 642
-
-
Dividends
12 319
60 858
-
-
withholding
3 203
15 822
-
-
total
3 203
15 822
-
-
Income
85 500
85 500
85 500
85 500
Total tax
44 146
40 464
46 705
42 794
After tax
41 354
45 036
38 795
42 706
Living cost
32 239
32 239
32 239
32 239
Free-cash
9 115
12 797
6 556
10 467

Estimated living cost  is ₽32239 per week

₽22646
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.
₽6888
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
₽4296
₽27487
₽41496
-₽10212
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
-
-
-
85 500
pensions
-
-
-
3 241
income
-
-
-
21 440
other
-
-
-
289
health
-
-
-
1 699
accident
-
-
-
197
total
-
-
-
26 866
Employee
26 959
-
73 874
-
health
3 087
-
8 459
-
pensions
3 036
-
5 943
-
income
3 699
-
14 847
-
total
9 822
-
29 249
-
Employer
26 959
-
73 874
-
pensions
4 384
-
8 582
-
accident
450
-
1 234
-
unemployment
660
-
1 810
-
total
5 494
-
11 626
-
Corporate
53 047
85 500
-
-
income

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

47 742
76 950
-
-
total
47 742
76 950
-
-
Dividends
5 305
8 550
-
-
withholding
1 008
1 624
-
-
total
1 008
1 624
-
-
Income
85 500
85 500
85 500
85 500
Total tax
64 066
78 574
40 875
26 866
After tax
21 434
6 926
44 625
58 634
Living cost
17 138
17 138
17 138
17 138
Free-cash
4 296
-10 212
27 487
41 496

Estimated living cost  is ₽17138 per week

₽12561
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.
₽3270
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
₽23439
₽29030
₽22159
₽12854
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.

-
-
-
85 500
trade
-
-
-
6 871
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.

-
-
-
18 671
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.

-
-
-
5 529
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.

-
-
-
1 027
total
-
-
-
32 098
Employee

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

40 265
-
85 500
-
health

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

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

5 529
-
5 529
-
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.

3 311
-
18 671
-
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
-
1 027
-
total
9 023
-
25 227
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
45 235
85 500
-
-
income
6 785
12 825
-
-
trade
6 491
12 269
-
-
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.

373
705
-
-
chamber of commerce
189
249
-
-
total
13 838
26 048
-
-
Dividends
31 396
59 453
-
-
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.

415
800
-
-
withholding
7 542
14 555
-
-
total
7 957
15 355
-
-
Income
85 500
85 500
85 500
85 500
Total tax
30 818
41 403
25 227
32 098
After tax
54 682
44 097
60 273
53 402
Living cost
31 243
31 243
31 243
31 243
Free-cash
23 439
12 854
29 030
22 159

Estimated living cost  is ₽31243 per week

₽21552
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3362
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.
₽5876
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
₽44926
₽31305
₽28755
₽51564
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.

-
-
-
85 500
income
-
-
-
12 421
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.

-
-
-
27 488
surtax
-
-
-
-
total
-
-
-
39 909
Employee
23 647
-
68 902
-
income
4 209
-
13 182
-
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.

2 601
-
7 579
-
surtax
-
-
-
-
total
6 810
-
20 761
-
Employer
23 647
-
68 902
-
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.

5 696
-
16 598
-
surtax
-
-
-
-
total
5 696
-
16 598
-
Corporate
56 157
85 500
-
-
income

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

11 232
17 100
-
-
total
11 232
17 100
-
-
Dividends

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

44 925
68 400
-
-
total
-
-
-
-
Income
85 500
85 500
85 500
85 500
Total tax
23 738
17 100
37 359
39 909
After tax
61 762
68 400
48 141
45 591
Living cost
16 836
16 836
16 836
16 836
Free-cash
44 926
51 564
31 305
28 755

Estimated living cost  is ₽16836 per week

₽10741
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1603
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.
₽4110
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
₽41782
₽39093
₽39799
₽43413
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
-
-
-
85 500
income
-
-
-
23 256
health
-
-
-
5 256
pensions
-
-
-
7 250
total
-
-
-
35 762
Employee
15 138
-
77 344
-
health
757
-
1 812
-
unemployment
151
-
363
-
pensions
1 362
-
3 262
-
income
2 928
-
22 875
-
total
5 198
-
28 312
-
Employer
15 138
-
77 344
-
health
1 438
-
3 444
-
pensions
1 665
-
3 987
-
unemployment
303
-
725
-
total
3 406
-
8 156
-
Corporate
66 955
85 500
-
-
income
14 730
18 810
-
-
total
14 730
18 810
-
-
Dividends
52 225
66 690
-
-
withholding
10 445
13 338
-
-
total
10 445
13 338
-
-
Income
85 500
85 500
85 500
85 500
Total tax
33 779
32 148
36 468
35 762
After tax
51 721
53 352
49 032
49 738
Living cost
9 939
9 939
9 939
9 939
Free-cash
41 782
43 413
39 093
39 799

Estimated living cost  is ₽9939 per week

₽5906
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
₽33029
₽23679
₽25277
₽35603
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
-
-
-
85 500
pensions
-
-
-
17 100
unemployment
-
-
-
184
income
-
-
-
16 601
other
-
-
-
-
health
-
-
-
6 071
surtax
-
-
-
2 090
total
-
-
-
42 046
Employee
27 253
-
70 631
-
health
696
-
1 801
-
unemployment
1 897
-
4 916
-
pensions
1 818
-
4 712
-
income
4 569
-
15 455
-
other
-
-
-
-
surtax
97
-
1 892
-
total
9 077
-
28 776
-
Employer
27 253
-
70 631
-
health
1 239
-
3 214
-
pensions
3 633
-
9 415
-
unemployment
865
-
2 239
-
other
-
-
-
-
total
5 737
-
14 868
-
Corporate
52 510
85 500
-
-
income
13 652
22 229
-
-
total
13 652
22 229
-
-
Dividends
38 857
63 271
-
-
withholding
5 828
9 491
-
-
total
5 828
9 491
-
-
Income
85 500
85 500
85 500
85 500
Total tax
34 294
31 720
43 644
42 046
After tax
51 206
53 780
41 856
43 454
Living cost
18 177
18 177
18 177
18 177
Free-cash
33 029
35 603
23 679
25 277

Estimated living cost  is ₽18177 per week

₽10974
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1580
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.
₽5201
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
₽21720
-₽440
₽17258
₽22122
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
-
-
-
85 500
pensions
-
-
-
15 818
chamber of commerce
-
-
-
342
unemployment
-
-