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
₽21316
₽21591
₽33534
₽28941
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
-
-
-
15 484
accident
-
-
-
731
unemployment
-
-
-
568
pensions
-
-
-
22 967
other
-
-
-
81
total
-
-
-
39 831
Employee
32 377
-
64 831
-
other
32
-
65
-
income
6 242
-
15 321
-
unemployment
502
-
1 005
-
pensions
1 522
-
3 047
-
total
8 298
-
19 438
-
Employer
32 377
-
64 831
-
unemployment
1 781
-
3 566
-
pensions
7 640
-
15 300
-
other
259
-
518
-
accident
641
-
1 284
-
total
10 321
-
20 668
-
Corporate
42 801
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.

6 421
12 825
-
-
total
6 421
12 825
-
-
Dividends
36 381
72 675
-
-
withholding
7 441
15 063
-
-
total
7 441
15 063
-
-
Income
85 500
85 500
85 500
85 500
Total tax
32 481
27 888
40 106
39 831
After tax
53 019
57 612
45 394
45 669
Living cost
24 078
24 078
24 078
24 078
Free-cash
28 941
33 534
21 316
21 591

Estimated living cost  is ₽24078 per week

₽16253
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2315
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.
₽5090
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
₽26776
₽22964
₽39485
₽33574
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
-
-
-
10 861
health
-
-
-
3 762
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.

-
-
-
20 520
other
-
-
-
4 061
total
-
-
-
39 204
Employee
31 793
-
68 290
-
income
5 473
-
11 763
-
health
445
-
955
-
unemployment
317
-
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.

2 225
-
4 781
-
total
8 460
-
18 182
-
Employer
31 793
-
68 290
-
unemployment
317
-
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.

5 405
-
11 610
-
other
1 590
-
3 415
-
accident
254
-
547
-
health
445
-
955
-
total
8 011
-
17 210
-
Corporate
45 695
85 500
-
-
income
9 596
17 956
-
-
total
9 596
17 956
-
-
Dividends
36 099
67 544
-
-
withholding
2 527
4 727
-
-
total
2 527
4 727
-
-
Income
85 500
85 500
85 500
85 500
Total tax
28 594
22 683
35 392
39 204
After tax
56 906
62 817
50 108
46 296
Living cost
23 332
23 332
23 332
23 332
Free-cash
33 574
39 485
26 776
22 964

Estimated living cost  is ₽23332 per week

₽16485
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1575
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽376
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.
₽4895
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
₽55640
₽53028
₽61622
₽57555
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
-
-
-
3 517
unemployment
-
-
-
122
pensions

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

-
-
-
4 527
total
-
-
-
20 991
Employee
15 202
-
79 499
-
income
1 520
-
7 950
-
health
699
-
1 407
-
accident

We are using the highest rate at 1.1%.

167
-
336
-
pensions

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

1 335
-
2 686
-
total
3 721
-
12 379
-
Employer
15 202
-
79 499
-
unemployment
91
-
184
-
pensions

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

1 675
-
3 370
-
accident

We are using the highest rate at 1.1%.

167
-
336
-
health
1 049
-
2 110
-
total
2 982
-
6 000
-
Corporate
67 315
85 500
-
-
income
6 732
8 550
-
-
total
6 732
8 550
-
-
Dividends
60 583
76 950
-
-
withholding
3 029
3 847
-
-
total
3 029
3 847
-
-
Income
85 500
85 500
85 500
85 500
Total tax
16 464
12 397
18 379
20 991
After tax
69 036
73 103
67 121
64 509
Living cost
11 481
11 481
11 481
11 481
Free-cash
57 555
61 622
55 640
53 028

Estimated living cost  is ₽11481 per week

₽6703
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽820
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽304
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.
₽3654
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
₽18513
₽19334
₽13135
₽18306
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
-
-
-
7 851
social contributions
-
-
-
2 436
health
-
-
-
1 469
surtax
-
-
-
-
pensions
-
-
-
21 798
other
-
-
-
2 654
total
-
-
-
36 208
Employee
37 475
-
65 151
-
income
2 212
-
7 455
-
social contributions
1 068
-
1 858
-
surtax
-
-
-
-
pensions
4 237
-
7 368
-
total
7 517
-
16 681
-
Employer
37 475
-
65 151
-
unemployment
1 517
-
2 639
-
social contributions
113
-
196
-
pensions
6 156
-
10 704
-
other
1 293
-
2 248
-
health
2 624
-
4 561
-
total
11 703
-
20 348
-
Corporate
36 322
85 500
-
-
income
10 171
23 939
-
-
surtax
-
-
-
-
total
10 171
23 939
-
-
Dividends
26 151
61 561
-
-
withholding
3 347
7 880
-
-
surtax
-
-
-
-
social contributions
4 498
10 588
-
-
total
7 845
18 468
-
-
Income
85 500
85 500
85 500
85 500
Total tax
37 236
42 407
37 029
36 208
After tax
48 264
43 093
48 471
49 292
Living cost
29 958
29 958
29 958
29 958
Free-cash
18 306
13 135
18 513
19 334

Estimated living cost  is ₽29958 per week

₽18890
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2436
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽510
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.
₽8124
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
-₽1450
₽11861
₽3465
-₽1450
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
-
-
-
16 325
health
-
-
-
10 374
pensions
-
-
-
10 259
total
-
-
-
36 958
Employee
74 774
74 774
74 774
-
income

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

12 239
12 239
12 239
-
health
11 477
9 762
11 477
-
pensions
13 459
10 259
13 459
-
total
37 175
32 260
37 175
-
Employer
74 774
74 774
74 774
-
unemployment
2 692
2 692
2 692
-
pensions
5 204
5 204
5 204
-
health
5 198
5 198
5 198
-
total
13 094
13 094
13 094
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Income
85 500
85 500
85 500
85 500
Total tax
50 269
45 354
50 269
36 958
After tax
35 231
40 146
35 231
48 542
Living cost
36 681
36 681
36 681
36 681
Free-cash
-1 450
3 465
-1 450
11 861

Estimated living cost  is ₽36681 per week

₽25995
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3307
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽583
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.
₽6796
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
₽34598
₽27544
₽16714
₽26396
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
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.

-
-
-
17 439
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.

-
-
-
5 982
trade
-
-
-
7 054
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.

-
-
-
959
total
-
-
-
31 434
Employee

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

33 491
-
85 500
-
income

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

936
-
17 439
-
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.

5 982
-
5 982
-
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.

52
-
959
-
total
6 970
-
24 380
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
52 009
85 500
-
-
chamber of commerce
208
256
-
-
income
7 801
12 825
-
-
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.

429
705
-
-
trade
8 192
13 466
-
-
total
16 630
27 252
-
-
Dividends
35 380
58 249
-
-
withholding
8 513
14 229
-
-
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
783
-
-
total
8 982
15 012
-
-
Income
85 500
85 500
85 500
85 500
Total tax
32 582
42 264
24 380
31 434
After tax
52 918
43 236
61 120
54 066
Living cost
26 522
26 522
26 522
26 522
Free-cash
26 396
16 714
34 598
27 544

Estimated living cost  is ₽26522 per week

₽16683
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3092
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽495
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6251
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
₽40577
₽40661
₽42323
₽37558
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
-
-
-
9 048
social contributions
-
-
-
13 338
health
-
-
-
2 180
total
-
-
-
24 566
Employee
67 331
67 331
77 622
-
income
7 331
6 233
9 011
-
social contributions
2 546
5 588
6 442
-
health
522
1 145
1 319
-
total
10 399
12 966
16 772
-
Employer
67 331
67 331
77 622
-
social contributions
2 546
5 588
6 442
-
health
567
1 246
1 436
-
total
3 113
6 834
7 878
-
Corporate
51 716
11 335
-
-
income
6 464
1 417
-
-
total
6 464
1 417
-
-
Dividends
45 252
9 918
-
-
withholding
7 693
1 687
-
-
total
7 693
1 687
-
-
Income
85 500
85 500
85 500
85 500
Total tax
27 669
22 904
24 650
24 566
After tax
57 831
62 596
60 850
60 934
Living cost
20 273
20 273
20 273
20 273
Free-cash
37 558
42 323
40 577
40 661

Estimated living cost  is ₽20273 per week

₽12150
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1989
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽449
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.
₽5686
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
₽16254
₽20447
₽21166
₽20286
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
-
-
-
7 876
social contributions

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

-
-
-
29 712
surtax
-
-
-
-
total
-
-
-
37 588
Employee
40 272
-
69 091
-
income
8 377
-
17 772
-
social contributions
4 430
-
7 600
-
surtax
-
-
-
-
total
12 807
-
25 372
-
Employer
40 272
-
69 091
-
social contributions
9 564
-
16 409
-
total
9 564
-
16 409
-
Corporate
35 664
85 500
-
-
income
7 489
17 956
-
-
surtax
-
-
-
-
total
7 489
17 956
-
-
Dividends
28 175
67 544
-
-
withholding
7 889
18 913
-
-
total
7 889
18 913
-
-
Income
85 500
85 500
85 500
85 500
Total tax
37 749
36 869
41 781
37 588
After tax
47 751
48 631
43 719
47 912
Living cost
27 465
27 465
27 465
27 465
Free-cash
20 286
21 166
16 254
20 447

Estimated living cost  is ₽27465 per week

₽20550
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1620
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽459
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.
₽4837
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
₽62113
₽78358
₽74938
₽73759
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
7 859
-
85 500
-
income
1 572
-
17 100
-
total
1 572
-
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%.

77 641
85 500
-
-
total
-
-
-
-
Dividends
77 641
85 500
-
-
withholding
3 882
4 275
-
-
total
3 882
4 275
-
-
Income
85 500
85 500
85 500
85 500
Total tax
5 454
4 275
17 100
855
After tax
80 046
81 225
68 400
84 645
Living cost
6 287
6 287
6 287
6 287
Free-cash
73 759
74 938
62 113
78 358

Estimated living cost  is ₽6287 per week

₽3896
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽523
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽173
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.
₽1695
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
₽18388
₽20841
₽35381
₽28056
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
income
-
-
-
17 018
health
-
-
-
8 413
unemployment
-
-
-
128
pensions
-
-
-
15 614
total
-
-
-
41 173
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.

38 720
-
73 980
-
income
6 677
-
15 755
-
health
2 501
-
4 781
-
unemployment
55
-
103
-
pensions
6 002
-
11 467
-
total
15 235
-
32 106
-
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.

38 720
-
73 980
-
unemployment
23
-
45
-
pensions
3 426
-
6 547
-
health
2 579
-
4 928
-
total
6 028
-
11 520
-
Corporate
40 752
85 500
-
-
income
7 743
16 244
-
-
total
7 743
16 244
-
-
Dividends
33 008
69 256
-
-
withholding
4 952
10 389
-
-
total
4 952
10 389
-
-
Income
85 500
85 500
85 500
85 500
Total tax
33 958
26 633
43 626
41 173
After tax
51 542
58 867
41 874
44 327
Living cost
23 486
23 486
23 486
23 486
Free-cash
28 056
35 381
18 388
20 841

Estimated living cost  is ₽23486 per week

₽16118
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1505
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽455
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.
₽5409
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
₽30975
₽23079
₽19164
₽22821
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
-
-
-
24 925
health

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

-
-
-
5 711
total
-
-
-
30 636
Employee
40 168
-
81 472
-
social contributions
4 025
-
4 028
-
income
4 358
-
14 684
-
total
8 383
-
18 712
-
Employer
40 168
-
81 472
-
social contributions
4 025
-
4 028
-
total
4 025
-
4 028
-
Corporate
41 307
85 500
-
-
income
14 458
29 925
-
-
total
14 458
29 925
-
-
Dividends
26 849
55 575
-
-
social contributions
4 028
4 626
-
-
total
4 028
4 626
-
-
Income
85 500
85 500
85 500
85 500
Total tax
30 894
34 551
22 740
30 636
After tax
54 606
50 949
62 760
54 864
Living cost
31 785
31 785
31 785
31 785
Free-cash
22 821
19 164
30 975
23 079

Estimated living cost  is ₽31785 per week

₽20937
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2506
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.
₽7855
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
₽36596
₽36340
₽33596
₽34052
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
social contributions
-
-
-
11 799
health
-
-
-
5 969
total
-
-
-
30 593
Employee
29 689
-
85 500
-
income
4 952
-
12 569
-
social contributions
4 098
-
11 799
-
health
2 072
-
5 969
-
total
11 122
-
30 337
-
Employer
29 689
-
85 500
-
total
-
-
-
-
Corporate
55 811
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%.

2 790
4 275
-
-
total
2 790
4 275
-
-
Dividends
53 022
81 225
-
-
withholding
7 953
12 183
-
-
health
3 700
5 670
-
-
social contributions
7 316
11 209
-
-
total
18 969
29 062
-
-
Income
85 500
85 500
85 500
85 500
Total tax
32 881
33 337
30 337
30 593
After tax
52 619
52 163
55 163
54 907
Living cost
18 567
18 567
18 567
18 567
Free-cash
34 052
33 596
36 596
36 340

Estimated living cost  is ₽18567 per week

₽12426
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1145
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽427
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4568
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Prague , Czech Republic
₽19655
₽17909
₽35134
₽26667
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
social contributions
-
-
-
24 966
solidarity contribution
-
-
-
-
health
-
-
-
11 543
total
-
-
-
43 858
Employee
34 901
-
63 806
-
solidarity contribution
-
-
-
-
income
4 188
-
7 657
-
social contributions
2 269
-
4 147
-
health
4 712
-
8 614
-
total
11 169
-
20 418
-
Employer
34 901
-
63 806
-
social contributions
8 725
-
15 951
-
health
3 141
-
5 743
-
total
11 866
-
21 694
-
Corporate
38 733
85 500
-
-
income
7 359
16 245
-
-
total
7 359
16 245
-
-
Dividends
31 374
69 255
-
-
withholding
4 706
10 388
-
-
total
4 706
10 388
-
-
Income
85 500
85 500
85 500
85 500
Total tax
35 100
26 633
42 112
43 858
After tax
50 400
58 867
43 388
41 642
Living cost
23 733
23 733
23 733
23 733
Free-cash
26 667
35 134
19 655
17 909

Estimated living cost  is ₽23733 per week

₽17649
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1315
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽411
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.
₽4358
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
₽58603
₽74848
₽71428
₽69591
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
12 247
-
85 500
-
income
2 449
-
17 100
-
total
2 449
-
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%.

73 253
85 500
-
-
total
-
-
-
-
Dividends
73 253
85 500
-
-
withholding
3 663
4 275
-
-
total
3 663
4 275
-
-
Income
85 500
85 500
85 500
85 500
Total tax
6 112
4 275
17 100
855
After tax
79 388
81 225
68 400
84 645
Living cost
9 797
9 797
9 797
9 797
Free-cash
69 591
71 428
58 603
74 848

Estimated living cost  is ₽9797 per week

₽6630
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽411
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽329
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.
₽2427
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
₽6180
₽7001
₽802
₽6820
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
-
-
-
7 851
social contributions
-
-
-
2 436
health
-
-
-
1 469
surtax
-
-
-
-
pensions
-
-
-
21 798
other
-
-
-
2 654
total
-
-
-
36 208
Employee
54 842
-
65 151
-
income
4 785
-
7 455
-
social contributions
1 562
-
1 858
-
surtax
-
-
-
-
pensions
6 203
-
7 368
-
total
12 550
-
16 681
-
Employer
54 842
-
65 151
-
unemployment
2 222
-
2 639
-
social contributions
165
-
196
-
pensions
9 011
-
10 704
-
other
1 893
-
2 248
-
health
3 838
-
4 561
-
total
17 129
-
20 348
-
Corporate
13 530
85 500
-
-
income
3 789
23 939
-
-
surtax
-
-
-
-
total
3 789
23 939
-
-
Dividends
9 742
61 561
-
-
withholding
1 246
7 880
-
-
surtax
-
-
-
-
social contributions
1 675
10 588
-
-
total
2 921
18 468
-
-
Income
85 500
85 500
85 500
85 500
Total tax
36 389
42 407
37 029
36 208
After tax
49 111
43 093
48 471
49 292
Living cost
42 291
42 291
42 291
42 291
Free-cash
6 820
802
6 180
7 001

Estimated living cost  is ₽42291 per week

₽28622
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3460
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽580
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.
₽9629
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
₽29905
₽29904
₽46669
₽42371
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
income
-
-
-
16 091
health
-
-
-
6 649
unemployment
-
-
-
968
pensions
-
-
-
16 783
total
-
-
-
40 491
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.

22 777
-
73 946
-
income
3 140
-
16 091
-
health
1 173
-
3 324
-
unemployment
171
-
484
-
pensions
3 189
-
9 037
-
total
7 673
-
28 936
-
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.

22 777
-
73 946
-
unemployment
171
-
484
-
pensions
2 733
-
7 746
-
health
1 173
-
3 324
-
total
4 077
-
11 554
-
Corporate
58 646
85 500
-
-
income
8 797
12 825
-
-
total
8 797
12 825
-
-
Dividends
49 849
72 675
-
-
withholding
7 477
10 901
-
-
total
7 477
10 901
-
-
Income
85 500
85 500
85 500
85 500
Total tax
28 024
23 726
40 490
40 491
After tax
57 476
61 774
45 010
45 009
Living cost
15 105
15 105
15 105
15 105
Free-cash
42 371
46 669
29 905
29 904

Estimated living cost  is ₽15105 per week

₽10170
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1168
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽437
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.
₽3329
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
₽5776
₽10011
-₽22003
₽4141
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
regional
-
-
-
3 084
national
-
-
-
626
health
-
-
-
199
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.

-
-
-
1 711
pensions
-
-
-
7 867
total
-
-
-
14 388
Employee
71 504
-
76 528
-
regional
2 341
-
2 619
-
city
767
-
822
-
health
162
-
173
-
unemployment
-
-
-
-
national
338
-
450
-
pensions
6 007
-
6 428
-
total
9 615
-
10 492
-
Employer
71 504
-
76 528
-
unemployment
-
-
-
-
pensions
6 007
-
6 428
-
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.

1 430
-
1 530
-
health
162
-
173
-
total
7 599
-
8 131
-
Corporate
5 611
85 500
-
-
regional
1 186
18 083
-
-
national
477
7 267
-
-
total
1 663
25 350
-
-
Dividends
3 948
60 150
-
-
withholding
1 381
21 052
-
-
total
1 381
21 052
-
-
Income
85 500
85 500
85 500
85 500
Total tax
20 258
46 402
18 623
14 388
After tax
65 242
39 098
66 877
71 112
Living cost
61 101
61 101
61 101
61 101
Free-cash
4 141
-22 003
5 776
10 011

Estimated living cost  is ₽61101 per week

₽39733
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5483
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽750
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.
₽15134
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
₽15325
₽27328
₽23389
₽21271
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
-
-
-
15 219
national
-
-
-
8 386
health
-
-
-
950
total
-
-
-
24 555
Employee
46 068
-
71 929
-
health
344
-
743
-
unemployment
691
-
1 078
-
national
761
-
4 566
-
municipal
7 546
-
11 746
-
pensions
3 109
-
4 855
-
total
12 451
-
22 988
-
Employer
46 068
-
71 929
-
unemployment
299
-
467
-
pensions
7 993
-
12 479
-
accident
47
-
71
-
health
354
-
553
-
total
8 693
-
13 570
-
Corporate
30 740
85 500
-
-
income
6 148
17 100
-
-
total
6 148
17 100
-
-
Dividends

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

18 444
51 300
-
-
national
-
2 160
-
-
municipal
3 320
9 234
-
-
total
3 320
11 394
-
-
Income
85 500
85 500
85 500
85 500
Total tax
30 612
28 494
36 558
24 555
After tax
54 888
57 006
48 942
60 945
Living cost
33 617
33 617
33 617
33 617
Free-cash
21 271
23 389
15 325
27 328

Estimated living cost  is ₽33617 per week

₽21959
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3234
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽535
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7891
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
₽1525
₽8483
₽16034
₽2901
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
national
-
-
-
27 527
social contributions
-
-
-
13 227
communal

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

-
-
-
4 337
total
-
-
-
45 091
Employee

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

62 633
-
66 220
-
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.

2 943
-
3 112
-
communal

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

3 267
-
3 455
-
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.

545
-
577
-
national
19 256
-
20 658
-
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.

4 697
-
4 967
-
total
30 708
-
32 769
-
Employer

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

62 633
-
66 220
-
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.

914
-
967
-
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.

5 550
-
5 867
-
surtax
7 102
-
7 511
-
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.

814
-
862
-
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.

3 852
-
4 073
-
total
18 232
-
19 280
-
Corporate
4 635
85 500
-
-
income
927
17 100
-
-
surtax
18
342
-
-
total
945
17 442
-
-
Dividends
3 690
68 058
-
-
withholding

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

788
20 098
-
-
total
788
20 098
-
-
Income
85 500
85 500
85 500
85 500
Total tax
50 673
37 540
52 049
45 091
After tax
34 827
47 960
33 451
40 409
Living cost
31 926
31 926
31 926
31 926
Free-cash
2 901
16 034
1 525
8 483

Estimated living cost  is ₽31926 per week

₽20565
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2792
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽500
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.
₽8071
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
₽9725
₽8060
₽10750
₽9942
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
-
-
-
18 693
national
-
-
-
-
health
-
-
-
4 914
accident
-
-
-
157
unemployment
-
-
-
79
pensions
-
-
-
8 513
other
-
-
-
9 151
total
-
-
-
41 507
Employee
51 201
-
65 058
-
national
-
-
-
-
municipal
15 268
-
19 400
-
total
15 268
-
19 400
-
Employer
51 201
-
65 058
-
unemployment
1 352
-
1 718
-
pensions
5 535
-
7 033
-
other
5 950
-
7 560
-
accident
102
-
130
-
health
3 149
-
4 001
-
total
16 088
-
20 442
-
Corporate
18 212
85 500
-
-
income
4 007
18 810
-
-
total
4 007
18 810
-
-
Dividends
14 206
66 690
-
-
withholding
4 262
20 007
-
-
total
4 262
20 007
-
-
Income
85 500
85 500
85 500
85 500
Total tax
39 625
38 817
39 842
41 507
After tax
45 875
46 683
45 658
43 993
Living cost
35 933
35 933
35 933
35 933
Free-cash
9 942
10 750
9 725
8 060

Estimated living cost  is ₽35933 per week

₽23815
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3526
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽546
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.
₽8046
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
₽34368
₽19902
₽12833
-₽49906
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
56 185
-
-
-
income
12 393
-
-
-
social contributions
4 607
-
657
-
total
17 000
-
657
-
Employer
56 185
-
-
-
social contributions
79 221
-
11 290
-
total
79 221
-
11 290
-
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
96 221
33 482
11 947
26 413
After tax
-10 721
52 018
73 553
59 087
Living cost
39 185
39 185
39 185
39 185
Free-cash
-49 906
12 833
34 368
19 902

Estimated living cost  is ₽39185 per week

₽25425
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3685
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽499
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9575
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
₽32449
₽32533
₽34195
₽30564
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
-
-
-
9 048
social contributions
-
-
-
13 338
health
-
-
-
2 180
total
-
-
-
24 566
Employee
67 331
67 331
77 622
-
income
7 070
6 233
9 011
-
social contributions
3 272
5 588
6 442
-
health
670
1 145
1 319
-
total
11 012
12 966
16 772
-
Employer
67 331
67 331
77 622
-
social contributions
3 272
5 588
6 442
-
health
729
1 246
1 436
-
total
4 001
6 834
7 878
-
Corporate
42 086
11 335
-
-
income
5 261
1 417
-
-
total
5 261
1 417
-
-
Dividends
36 826
9 918
-
-
withholding
6 261
1 687
-
-
total
6 261
1 687
-
-
Income
85 500
85 500
85 500
85 500
Total tax
26 535
22 904
24 650
24 566
After tax
58 965
62 596
60 850
60 934
Living cost
28 401
28 401
28 401
28 401
Free-cash
30 564
34 195
32 449
32 533

Estimated living cost  is ₽28401 per week

₽19415
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.
₽477
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.
₽6291
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
₽21793
₽29903
₽31227
₽27474
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
-
-
-
17 569
pensions
-
-
-
6 267
total
-
-
-
23 836
Employee
43 596
-
75 292
-
income
7 939
-
13 389
-
health
569
-
1 218
-
pensions
3 327
-
7 131
-
total
11 835
-
21 738
-
Employer
43 596
-
75 292
-
pensions
4 405
-
8 777
-
health
829
-
1 431
-
total
5 234
-
10 208
-
Corporate
36 671
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.

6 968
16 246
-
-
total
6 968
16 246
-
-
Dividends
29 703
69 254
-
-
withholding
2 228
6 266
-
-
total
2 228
6 266
-
-
Income
85 500
85 500
85 500
85 500
Total tax
26 265
22 512
31 946
23 836
After tax
59 235
62 988
53 554
61 664
Living cost
31 761
31 761
31 761
31 761
Free-cash
27 474
31 227
21 793
29 903

Estimated living cost  is ₽31761 per week

₽21788
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2921
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽397
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.
₽6653
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
₽4437
₽8348
₽10153
₽6170
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
-
-
-
572
regional
-
-
-
1 689
national
-
-
-
18 019
social contributions
-
-
-
21 990
total
-
-
-
42 270
Employee
73 785
-
85 500
-
regional
1 114
-
1 420
-
social contributions
24 880
-
28 831
-
national
12 469
-
15 420
-
municipal
440
-
510
-
total
38 903
-
46 181
-
Employer
73 785
-
85 500
-
total
-
-
-
-
Corporate
11 715
85 500
-
-
nationa
2 812
20 520
-
-
municipal
565
4 121
-
-
total
3 377
24 641
-
-
Dividends
8 339
60 859
-
-
withholding
2 168
15 824
-
-
total
2 168
15 824
-
-
Income
85 500
85 500
85 500
85 500
Total tax
44 448
40 465
46 181
42 270
After tax
41 052
45 035
39 319
43 230
Living cost
34 882
34 882
34 882
34 882
Free-cash
6 170
10 153
4 437
8 348

Estimated living cost  is ₽34882 per week

₽24503
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2399
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.
₽7452
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Gdansk , Poland
₽26354
₽40638
-₽11096
₽4161
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
-
-
-
21 135
health
-
-
-
1 786
accident
-
-
-
207
pensions
-
-
-
3 408
other
-
-
-
304
total
-
-
-
26 840
Employee
28 349
-
73 449
-
income
3 889
-
14 413
-
health
3 246
-
8 410
-
pensions
3 192
-
6 250
-
total
10 327
-
29 073
-
Employer
28 349
-
73 449
-
unemployment
695
-
1 799
-
pensions
4 610
-
9 025
-
accident
473
-
1 227
-
total
5 778
-
12 051
-
Corporate
51 374
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.

46 236
76 950
-
-
total
46 236
76 950
-
-
Dividends
5 137
8 550
-
-
withholding
976
1 624
-
-
total
976
1 624
-
-
Income
85 500
85 500
85 500
85 500
Total tax
63 317
78 574
41 124
26 840
After tax
22 183
6 926
44 376
58 660
Living cost
18 022
18 022
18 022
18 022
Free-cash
4 161
-11 096
26 354
40 638

Estimated living cost  is ₽18022 per week

₽13208
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽998
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽376
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.
₽3439
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
₽27315
₽20888
₽10310
₽21765
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
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.

-
-
-
17 439
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.

-
-
-
5 982
trade
-
-
-
6 427
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.

-
-
-
959
total
-
-
-
30 807
Employee

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

43 567
-
85 500
-
income

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

3 583
-
17 439
-
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.

5 982
-
5 982
-
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.

198
-
959
-
total
9 763
-
24 380
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
41 933
85 500
-
-
chamber of commerce
194
258
-
-
income
6 289
12 825
-
-
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.

346
705
-
-
trade
6 017
12 270
-
-
total
12 846
26 058
-
-
Dividends
29 086
59 444
-
-
withholding
6 939
14 528
-
-
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.

382
799
-
-
total
7 321
15 327
-
-
Income
85 500
85 500
85 500
85 500
Total tax
29 930
41 385
24 380
30 807
After tax
55 570
44 115
61 120
54 693
Living cost
33 805
33 805
33 805
33 805
Free-cash
21 765
10 310
27 315
20 888

Estimated living cost  is ₽33805 per week

₽23320
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3637
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽490
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.
₽6357
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
₽29999
₽27448
₽50183
₽42999
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
microenterprise
-
-
-
-
income
-
-
-
12 346
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.

-
-
-
27 489
surtax
-
-
-
-
total
-
-
-
39 835
Employee
25 586
-
68 902
-
income
4 555
-
13 107
-
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.

2 815
-
7 579
-
surtax
-
-
-
-
total
7 370
-
20 686
-
Employer
25 586
-
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.

6 163
-
16 598
-
surtax
-
-
-
-
total
6 163
-
16 598
-
Corporate
53 751
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%.

10 751
17 100
-
-
total
10 751
17 100
-
-
Dividends

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

43 000
68 400
-
-
total
-
-
-
-
Income
85 500
85 500
85 500
85 500
Total tax
24 284
17 100
37 284
39 835
After tax
61 216
68 400
48 216
45 665
Living cost
18 217
18 217
18 217
18 217
Free-cash
42 999
50 183
29 999
27 448

Estimated living cost  is ₽18217 per week

₽11622
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1735
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽414
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.
₽4447
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
₽36623
₽37436
₽41924
₽40047
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
-
-
-
22 257
health
-
-
-
6 043
pensions
-
-
-
8 336
total
-
-
-
36 636
Employee
17 406
-
76 122
-
income
3 367
-
21 819
-
health
870
-
2 084
-
unemployment
174
-
417
-
pensions
1 566
-
3 751
-
total
5 977
-
28 071
-
Employer
17 406
-
76 122
-
unemployment
348
-
834
-
pensions
1 915
-
4 585
-
health
1 654
-
3 959
-
total
3 917
-
9 378
-
Corporate
64 178
85 500
-
-
income
14 119
18 810
-
-
total
14 119
18 810
-
-
Dividends
50 059
66 690
-
-
withholding
10 012
13 338
-
-
total
10 012
13 338
-
-
Income
85 500
85 500
85 500
85 500
Total tax
34 025
32 148
37 449
36 636
After tax
51 475
53 352
48 051
48 864
Living cost
11 428
11 428
11 428
11 428
Free-cash
40 047
41 924
36 623
37 436

Estimated living cost  is ₽11428 per week

₽6791
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽926
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽262
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.
₽3449
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
₽22881
₽24533
₽34112
₽31328
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
-
-
-
16 010
health
-
-
-
6 070
unemployment
-
-
-
199
surtax
-
-
-
1 921
pensions
-
-
-
17 100
other
-
-
-
-
total
-
-
-
41 300
Employee
29 488
-
70 632
-
other
-
-
-
-
income
4 943
-
14 927
-
health
753
-
1 801
-
unemployment
2 052
-
4 915
-
surtax
105
-
1 731
-
pensions
1 967
-
4 711
-
total
9 820
-
28 085
-
Employer
29 488
-
70 632
-
unemployment
936
-
2 238
-
pensions
3 931
-
9 415
-
other
-
-
-
-
health
1 341
-
3 214
-
total
6 208
-
14 867
-
Corporate
49 804
85 500
-
-
income
12 949
22 230
-
-
total
12 949
22 230
-
-
Dividends
36 855
63 270
-
-
withholding
5 528
9 491
-
-
total
5 528
9 491
-
-
Income
85 500
85 500
85 500
85 500
Total tax
34 505
31 721
42 952
41 300
After tax
50 995
53 779
42 548
44 200
Living cost
19 667
19 667
19 667
19 667
Free-cash
31 328
34 112
22 881
24 533

Estimated living cost  is ₽19667 per week

₽11874
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1710
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽457
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5628
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
-₽1698
₽15699
₽20120
₽19689
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
-
-
-
13 797
chamber of commerce
-
-
-
342
health
-
-