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
₽ 86000
per

Your estimated
City
free-cash

Valencia , Spain
₽31184
₽22673
₽24066
₽35467
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
-
-
-
86 000
unemployment
-
-
-
530
income
-
-
-
16 751
other
-
-
-
76
accident
-
-
-
682
pensions
-
-
-
21 429
total
-
-
-
39 468
Employee
30 208
-
65 211
-
unemployment
468
-
1 011
-
pensions
1 420
-
3 065
-
income
5 824
-
15 932
-
other
29
-
65
-
total
7 741
-
20 073
-
Employer
30 208
-
65 211
-
pensions
7 129
-
15 390
-
accident
598
-
1 291
-
unemployment
1 662
-
3 586
-
other
242
-
521
-
total
9 631
-
20 788
-
Corporate
46 161
86 000
-
-
income

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

6 924
12 901
-
-
total
6 924
12 901
-
-
Dividends
39 237
73 099
-
-
withholding
8 054
15 166
-
-
total
8 054
15 166
-
-
Income
86 000
86 000
86 000
86 000
Total tax
32 350
28 067
40 861
39 468
After tax
53 650
57 933
45 139
46 532
Living cost
22 466
22 466
22 466
22 466
Free-cash
31 184
35 467
22 673
24 066

Estimated living cost  is ₽22466 per week

₽15164
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2160
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽394
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4749
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
₽35900
₽28363
₽24798
₽41415
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
-
-
-
86 000
pensions

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

-
-
-
20 640
income
-
-
-
10 924
other
-
-
-
4 085
health
-
-
-
3 784
total
-
-
-
39 433
Employee
29 663
-
68 690
-
health
415
-
961
-
unemployment
296
-
687
-
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.

2 076
-
4 808
-
income
5 107
-
12 102
-
total
7 894
-
18 558
-
Employer
29 663
-
68 690
-
health
415
-
961
-
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.

5 043
-
11 677
-
accident
237
-
549
-
unemployment
296
-
687
-
other
1 484
-
3 436
-
total
7 475
-
17 310
-
Corporate
48 861
86 000
-
-
income
10 260
18 060
-
-
total
10 260
18 060
-
-
Dividends
38 600
67 940
-
-
withholding
2 702
4 756
-
-
total
2 702
4 756
-
-
Income
86 000
86 000
86 000
86 000
Total tax
28 331
22 816
35 868
39 433
After tax
57 669
63 184
50 132
46 567
Living cost
21 769
21 769
21 769
21 769
Free-cash
35 900
41 415
28 363
24 798

Estimated living cost  is ₽21769 per week

₽15381
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1470
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽350
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4567
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
₽59035
₽57530
₽54783
₽62826
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
-
-
-
86 000
pensions

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

-
-
-
4 220
unemployment
-
-
-
114
income
-
-
-
12 900
health
-
-
-
3 279
total
-
-
-
20 513
Employee
14 173
-
80 405
-
health
652
-
1 312
-
accident

We are using the highest rate at 1.1%.

156
-
314
-
pensions

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

1 244
-
2 504
-
income
1 417
-
8 041
-
total
3 469
-
12 171
-
Employer
14 173
-
80 405
-
health
978
-
1 968
-
pensions

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

1 562
-
3 142
-
accident

We are using the highest rate at 1.1%.

156
-
314
-
unemployment
85
-
171
-
total
2 781
-
5 595
-
Corporate
69 045
86 000
-
-
income
6 904
8 600
-
-
total
6 904
8 600
-
-
Dividends
62 141
77 400
-
-
withholding
3 107
3 870
-
-
total
3 107
3 870
-
-
Income
86 000
86 000
86 000
86 000
Total tax
16 261
12 470
17 766
20 513
After tax
69 739
73 530
68 234
65 487
Living cost
10 704
10 704
10 704
10 704
Free-cash
59 035
62 826
57 530
54 783

Estimated living cost  is ₽10704 per week

₽6249
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽764
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽284
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3407
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
₽20220
₽25661
₽21446
₽15395
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
-
-
-
86 000
income
-
-
-
8 798
other
-
-
-
2 671
health
-
-
-
1 829
social contributions
-
-
-
2 451
pensions
-
-
-
20 854
surtax
-
-
-
-
total
-
-
-
36 603
Employee
34 965
-
69 625
-
pensions
3 953
-
3 459
-
income
2 064
-
10 570
-
social contributions
997
-
1 984
-
surtax
-
-
-
-
total
7 014
-
16 013
-
Employer
34 965
-
69 625
-
health
2 448
-
4 874
-
social contributions
105
-
209
-
pensions
5 744
-
6 070
-
unemployment
1 415
-
2 820
-
other
1 206
-
2 402
-
total
10 918
-
16 375
-
Corporate
40 116
86 000
-
-
income
11 232
24 080
-
-
surtax
-
-
-
-
total
11 232
24 080
-
-
Dividends
28 883
61 920
-
-
social contributions
4 967
10 649
-
-
surtax
-
-
-
-
withholding
3 698
7 925
-
-
total
8 665
18 574
-
-
Income
86 000
86 000
86 000
86 000
Total tax
37 829
42 654
32 388
36 603
After tax
48 171
43 346
53 612
49 397
Living cost
27 951
27 951
27 951
27 951
Free-cash
20 220
15 395
25 661
21 446

Estimated living cost  is ₽27951 per week

₽17624
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2273
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽476
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7580
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
₽2485
₽8666
₽14566
₽7489
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
-
-
-
86 000
pensions
-
-
-
9 572
income
-
-
-
17 604
health
-
-
-
10 034
total
-
-
-
37 210
Employee
69 766
69 766
73 185
-
health
10 708
9 108
9 304
-
pensions
12 558
9 572
9 572
-
income

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

11 420
11 420
11 420
-
total
34 686
30 100
30 296
-
Employer
69 766
69 766
73 185
-
health
4 850
4 850
5 087
-
pensions
4 856
4 856
5 093
-
unemployment
2 512
2 512
2 634
-
total
12 218
12 218
12 814
-
Corporate
4 873
4 017
-
-
income
975
803
-
-
total
975
803
-
-
Dividends
3 898
3 214
-
-
income
828
684
-
-
withholding
584
482
-
-
total
1 412
1 166
-
-
Income
86 000
86 000
86 000
86 000
Total tax
49 291
44 287
43 110
37 210
After tax
36 709
41 713
42 890
48 790
Living cost
34 224
34 224
34 224
34 224
Free-cash
2 485
7 489
8 666
14 566

Estimated living cost  is ₽34224 per week

₽24254
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3085
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽544
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6341
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
₽27765
₽35923
₽28360
₽18723
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.

-
-
-
86 000
trade
-
-
-
7 563
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.

-
-
-
18 722
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.

-
-
-
5 581
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.

-
-
-
1 029
total
-
-
-
32 895
Employee

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

31 248
-
86 000
-
health

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

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

5 581
-
5 581
-
income

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

873
-
18 722
-
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
-
1 029
-
total
6 502
-
25 332
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
54 752
86 000
-
-
income
8 212
12 901
-
-
trade
8 623
13 545
-
-
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.

451
710
-
-
chamber of commerce
203
248
-
-
total
17 489
27 404
-
-
Dividends
37 263
58 596
-
-
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.

495
789
-
-
withholding
9 004
14 339
-
-
total
9 499
15 128
-
-
Income
86 000
86 000
86 000
86 000
Total tax
33 490
42 532
25 332
32 895
After tax
52 510
43 468
60 668
53 105
Living cost
24 745
24 745
24 745
24 745
Free-cash
27 765
18 723
35 923
28 360

Estimated living cost  is ₽24745 per week

₽15566
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2885
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.
₽5832
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
₽39566
₽41420
₽41644
₽44011
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
-
-
-
86 000
income
-
-
-
10 029
health
-
-
-
2 194
social contributions
-
-
-
13 218
total
-
-
-
25 441
Employee
62 821
62 821
78 075
-
health
487
1 068
1 327
-
income
6 840
5 815
9 933
-
social contributions
2 375
5 214
6 480
-
total
9 702
12 097
17 740
-
Employer
62 821
62 821
78 075
-
health
529
1 163
1 445
-
social contributions
2 375
5 214
6 480
-
total
2 904
6 377
7 925
-
Corporate
54 479
16 802
-
-
income
6 809
2 101
-
-
total
6 809
2 101
-
-
Dividends
47 670
14 701
-
-
withholding
8 104
2 499
-
-
total
8 104
2 499
-
-
Income
86 000
86 000
86 000
86 000
Total tax
27 519
23 074
25 665
25 441
After tax
58 481
62 926
60 335
60 559
Living cost
18 915
18 915
18 915
18 915
Free-cash
39 566
44 011
41 420
41 644

Estimated living cost  is ₽18915 per week

₽11336
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1856
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽419
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.
₽5305
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
₽22467
₽17627
₽22263
₽23291
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.

-
-
-
86 000
income
-
-
-
8 226
social contributions

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

-
-
-
29 885
surtax
-
-
-
-
total
-
-
-
38 111
Employee
37 574
-
69 495
-
income
7 816
-
18 597
-
social contributions
4 133
-
7 645
-
surtax
-
-
-
-
total
11 949
-
26 242
-
Employer
37 574
-
69 495
-
social contributions
8 924
-
16 505
-
total
8 924
-
16 505
-
Corporate
39 502
86 000
-
-
income
8 296
18 060
-
-
surtax
-
-
-
-
total
8 296
18 060
-
-
Dividends
31 206
67 940
-
-
withholding
8 738
19 023
-
-
total
8 738
19 023
-
-
Income
86 000
86 000
86 000
86 000
Total tax
37 907
37 083
42 747
38 111
After tax
48 093
48 917
43 253
47 889
Living cost
25 626
25 626
25 626
25 626
Free-cash
22 467
23 291
17 627
22 263

Estimated living cost  is ₽25626 per week

₽19173
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1512
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽428
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4513
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
₽74460
₽62703
₽79043
₽75603
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%.

-
-
-
86 000
microenterprise

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

-
-
-
860
total
-
-
-
860
Employee
7 621
-
86 000
-
income
1 524
-
17 200
-
total
1 524
-
17 200
-
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%.

78 379
86 000
-
-
total
-
-
-
-
Dividends
78 379
86 000
-
-
withholding
3 919
4 300
-
-
total
3 919
4 300
-
-
Income
86 000
86 000
86 000
86 000
Total tax
5 443
4 300
17 200
860
After tax
80 557
81 700
68 800
85 140
Living cost
6 097
6 097
6 097
6 097
Free-cash
74 460
75 603
62 703
79 043

Estimated living cost  is ₽6097 per week

₽3778
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽507
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽168
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.
₽1644
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
₽30463
₽19927
₽22393
₽37299
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.

-
-
-
86 000
pensions
-
-
-
15 705
unemployment
-
-
-
129
income
-
-
-
17 398
health
-
-
-
8 462
total
-
-
-
41 694
Employee

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

36 127
-
74 413
-
health
2 333
-
4 808
-
unemployment
51
-
104
-
pensions
5 600
-
11 535
-
income
6 230
-
16 126
-
total
14 214
-
32 573
-
Employer

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

36 127
-
74 413
-
health
2 406
-
4 956
-
pensions
3 197
-
6 586
-
unemployment
22
-
45
-
total
5 625
-
11 587
-
Corporate
44 249
86 000
-
-
income
8 408
16 339
-
-
total
8 408
16 339
-
-
Dividends
35 841
69 661
-
-
withholding
5 377
10 449
-
-
total
5 377
10 449
-
-
Income
86 000
86 000
86 000
86 000
Total tax
33 624
26 788
44 160
41 694
After tax
52 376
59 212
41 840
44 306
Living cost
21 913
21 913
21 913
21 913
Free-cash
30 463
37 299
19 927
22 393

Estimated living cost  is ₽21913 per week

₽15038
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1405
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽425
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5046
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
₽24783
₽33571
₽27914
₽21928
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.

-
-
-
86 000
income
-
-
-
23 255
health

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

-
-
-
5 175
total
-
-
-
28 430
Employee
37 478
-
82 242
-
social contributions
3 755
-
3 758
-
income
4 067
-
15 257
-
total
7 822
-
19 015
-
Employer
37 478
-
82 242
-
social contributions
3 755
-
3 758
-
total
3 755
-
3 758
-
Corporate
44 767
86 000
-
-
income
15 668
30 100
-
-
total
15 668
30 100
-
-
Dividends
29 099
55 900
-
-
social contributions
4 316
4 316
-
-
total
4 316
4 316
-
-
Income
86 000
86 000
86 000
86 000
Total tax
31 561
34 416
22 773
28 430
After tax
54 439
51 584
63 227
57 570
Living cost
29 656
29 656
29 656
29 656
Free-cash
24 783
21 928
33 571
27 914

Estimated living cost  is ₽29656 per week

₽19535
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2338
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽454
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7329
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
₽35567
₽37833
₽37904
₽35143
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
-
-
-
86 000
income
-
-
-
12 901
health
-
-
-
6 003
social contributions
-
-
-
11 868
total
-
-
-
30 772
Employee
27 700
-
86 000
-
health
1 933
-
6 003
-
income
4 620
-
12 972
-
social contributions
3 823
-
11 868
-
total
10 376
-
30 843
-
Employer
27 700
-
86 000
-
total
-
-
-
-
Corporate
58 300
86 000
-
-
income

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

2 915
4 301
-
-
total
2 915
4 301
-
-
Dividends
55 385
81 699
-
-
social contributions
7 643
11 274
-
-
withholding
8 308
12 256
-
-
health
3 867
5 702
-
-
total
19 818
29 232
-
-
Income
86 000
86 000
86 000
86 000
Total tax
33 109
33 533
30 843
30 772
After tax
52 891
52 467
55 157
55 228
Living cost
17 324
17 324
17 324
17 324
Free-cash
35 567
35 143
37 833
37 904

Estimated living cost  is ₽17324 per week

₽11594
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1068
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽398
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4262
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
₽28313
₽20867
₽19112
₽36437
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
-
-
-
86 000
income
-
-
-
7 392
health
-
-
-
11 610
social contributions
-
-
-
25 112
solidarity contribution
-
-
-
-
total
-
-
-
44 114
Employee
33 490
-
64 179
-
health
4 521
-
8 664
-
solidarity contribution
-
-
-
-
income
4 019
-
7 702
-
social contributions
2 177
-
4 172
-
total
10 717
-
20 538
-
Employer
33 490
-
64 179
-
health
3 014
-
5 776
-
social contributions
8 373
-
16 045
-
total
11 387
-
21 821
-
Corporate
41 123
86 000
-
-
income
7 813
16 340
-
-
total
7 813
16 340
-
-
Dividends
33 309
69 660
-
-
withholding
4 996
10 449
-
-
total
4 996
10 449
-
-
Income
86 000
86 000
86 000
86 000
Total tax
34 913
26 789
42 359
44 114
After tax
51 087
59 211
43 641
41 886
Living cost
22 774
22 774
22 774
22 774
Free-cash
28 313
36 437
20 867
19 112

Estimated living cost  is ₽22774 per week

₽16936
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1262
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽394
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4182
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
₽70418
₽59299
₽75639
₽72199
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%.

-
-
-
86 000
microenterprise

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

-
-
-
860
total
-
-
-
860
Employee
11 876
-
86 000
-
income
2 375
-
17 200
-
total
2 375
-
17 200
-
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%.

74 124
86 000
-
-
total
-
-
-
-
Dividends
74 124
86 000
-
-
withholding
3 706
4 300
-
-
total
3 706
4 300
-
-
Income
86 000
86 000
86 000
86 000
Total tax
6 081
4 300
17 200
860
After tax
79 919
81 700
68 800
85 140
Living cost
9 501
9 501
9 501
9 501
Free-cash
70 418
72 199
59 299
75 639

Estimated living cost  is ₽9501 per week

₽6429
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽399
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽319
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.
₽2354
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
₽9501
₽14153
₽9938
₽3887
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
-
-
-
86 000
income
-
-
-
8 798
other
-
-
-
2 671
health
-
-
-
1 829
social contributions
-
-
-
2 451
pensions
-
-
-
20 854
surtax
-
-
-
-
total
-
-
-
36 603
Employee
51 169
-
69 625
-
pensions
5 787
-
3 459
-
income
4 465
-
10 570
-
social contributions
1 457
-
1 984
-
surtax
-
-
-
-
total
11 709
-
16 013
-
Employer
51 169
-
69 625
-
health
3 581
-
4 874
-
social contributions
153
-
209
-
pensions
8 408
-
6 070
-
unemployment
2 073
-
2 820
-
other
1 766
-
2 402
-
total
15 981
-
16 375
-
Corporate
18 850
86 000
-
-
income
5 277
24 080
-
-
surtax
-
-
-
-
total
5 277
24 080
-
-
Dividends
13 573
61 920
-
-
social contributions
2 335
10 649
-
-
surtax
-
-
-
-
withholding
1 738
7 925
-
-
total
4 073
18 574
-
-
Income
86 000
86 000
86 000
86 000
Total tax
37 040
42 654
32 388
36 603
After tax
48 960
43 346
53 612
49 397
Living cost
39 459
39 459
39 459
39 459
Free-cash
9 501
3 887
14 153
9 938

Estimated living cost  is ₽39459 per week

₽26705
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3228
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽541
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8984
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
₽44054
₽31976
₽31977
₽48058
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.

-
-
-
86 000
pensions
-
-
-
15 640
unemployment
-
-
-
902
income
-
-
-
17 208
health
-
-
-
6 196
total
-
-
-
39 946
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.

21 227
-
75 232
-
health
1 093
-
3 098
-
unemployment
159
-
451
-
pensions
2 972
-
8 422
-
income
2 926
-
17 208
-
total
7 150
-
29 179
-
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.

21 227
-
75 232
-
health
1 093
-
3 098
-
pensions
2 547
-
7 219
-
unemployment
159
-
451
-
total
3 799
-
10 768
-
Corporate
60 974
86 000
-
-
income
9 146
12 900
-
-
total
9 146
12 900
-
-
Dividends
51 828
73 100
-
-
withholding
7 774
10 965
-
-
total
7 774
10 965
-
-
Income
86 000
86 000
86 000
86 000
Total tax
27 869
23 865
39 947
39 946
After tax
58 131
62 135
46 053
46 054
Living cost
14 077
14 077
14 077
14 077
Free-cash
44 054
48 058
31 976
31 977

Estimated living cost  is ₽14077 per week

₽9478
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1089
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽407
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3103
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
₽6834
₽10203
₽14470
-₽17466
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
-
-
-
86 000
pensions
-
-
-
7 912
city
-
-
-
906
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.

-
-
-
1 720
health
-
-
-
194
regional
-
-
-
3 272
national
-
-
-
735
total
-
-
-
14 739
Employee
66 461
-
76 974
-
health
150
-
174
-
unemployment
-
-
-
-
city
713
-
827
-
pensions
5 584
-
6 465
-
regional
2 176
-
2 803
-
national
315
-
559
-
total
8 938
-
10 828
-
Employer
66 461
-
76 974
-
health
150
-
174
-
pensions
5 584
-
6 465
-
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.

1 329
-
1 539
-
total
7 063
-
8 178
-
Corporate
11 746
86 000
-
-
regional
2 484
18 189
-
-
national
998
7 311
-
-
total
3 482
25 500
-
-
Dividends
8 264
60 501
-
-
withholding
2 892
21 175
-
-
total
2 892
21 175
-
-
Income
86 000
86 000
86 000
86 000
Total tax
22 375
46 675
19 006
14 739
After tax
63 625
39 325
66 994
71 261
Living cost
56 791
56 791
56 791
56 791
Free-cash
6 834
-17 466
10 203
14 470

Estimated living cost  is ₽56791 per week

₽36931
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5096
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽697
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽14067
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
₽24157
₽17354
₽29220
₽25487
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

-
-
-
86 000
municipal
-
-
-
15 304
health
-
-
-
983
national
-
-
-
9 127
total
-
-
-
25 414
Employee
42 983
-
72 348
-
health
321
-
774
-
unemployment
645
-
1 085
-
pensions
2 901
-
4 884
-
national
710
-
5 076
-
municipal
7 040
-
11 809
-
total
11 617
-
23 628
-
Employer
42 983
-
72 348
-
health
330
-
557
-
pensions
7 457
-
12 552
-
accident
43
-
73
-
unemployment
279
-
470
-
total
8 109
-
13 652
-
Corporate
34 907
86 000
-
-
income
6 981
17 200
-
-
total
6 981
17 200
-
-
Dividends

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

20 945
51 600
-
-
municipal
3 770
9 288
-
-
national
-
2 659
-
-
total
3 770
11 947
-
-
Income
86 000
86 000
86 000
86 000
Total tax
30 477
29 147
37 280
25 414
After tax
55 523
56 853
48 720
60 586
Living cost
31 366
31 366
31 366
31 366
Free-cash
24 157
25 487
17 354
29 220

Estimated living cost  is ₽31366 per week

₽20488
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3017
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.
₽7363
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
₽6175
₽3479
₽10079
₽18428
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
-
-
-
86 000
communal

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

-
-
-
4 341
social contributions
-
-
-
13 648
national
-
-
-
28 144
total
-
-
-
46 133
Employee

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

58 439
-
66 608
-
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.

2 746
-
3 130
-
communal

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

3 048
-
3 474
-
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.

509
-
580
-
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.

4 383
-
4 995
-
national
17 966
-
21 162
-
total
28 652
-
33 341
-
Employer

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

58 439
-
66 608
-
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.

3 594
-
4 098
-
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.

5 178
-
5 902
-
surtax
6 626
-
7 553
-
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.

760
-
867
-
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.

853
-
972
-
total
17 011
-
19 392
-
Corporate
10 551
86 000
-
-
income
2 110
17 200
-
-
surtax
42
344
-
-
total
2 152
17 544
-
-
Dividends
8 399
68 456
-
-
withholding

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

2 222
20 240
-
-
total
2 222
20 240
-
-
Income
86 000
86 000
86 000
86 000
Total tax
50 037
37 784
52 733
46 133
After tax
35 963
48 216
33 267
39 867
Living cost
29 788
29 788
29 788
29 788
Free-cash
6 175
18 428
3 479
10 079

Estimated living cost  is ₽29788 per week

₽19187
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2605
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽467
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7530
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
₽10939
₽10699
₽9433
₽11730
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
-
-
-
86 000
unemployment
-
-
-
77
municipal
-
-
-
18 976
other
-
-
-
8 971
health
-
-
-
4 817
national
-
-
-
-
accident
-
-
-
154
pensions
-
-
-
8 346
total
-
-
-
41 341
Employee
50 194
-
65 439
-
national
-
-
-
-
municipal
14 968
-
19 514
-
total
14 968
-
19 514
-
Employer
50 194
-
65 439
-
health
3 087
-
4 024
-
pensions
5 426
-
7 074
-
accident
100
-
131
-
unemployment
1 325
-
1 728
-
other
5 833
-
7 604
-
total
15 771
-
20 561
-
Corporate
20 035
86 000
-
-
income
4 408
18 920
-
-
total
4 408
18 920
-
-
Dividends
15 627
67 080
-
-
withholding
4 688
20 124
-
-
total
4 688
20 124
-
-
Income
86 000
86 000
86 000
86 000
Total tax
39 835
39 044
40 075
41 341
After tax
46 165
46 956
45 925
44 659
Living cost
35 226
35 226
35 226
35 226
Free-cash
10 939
11 730
10 699
9 433

Estimated living cost  is ₽35226 per week

₽23347
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3457
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.
₽7888
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
-₽47988
₽35404
₽20659
₽13548
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
-
-
-
86 000
income
-
-
-
16 763
social contributions
-
-
-
9 804
total
-
-
-
26 567
Employee
55 597
-
-
-
income
12 264
-
-
-
social contributions
4 559
-
650
-
total
16 823
-
650
-
Employer
55 597
-
-
-
social contributions
78 391
-
11 172
-
total
78 391
-
11 172
-
Corporate
-
86 000
-
-
income
-
18 920
-
-
total
-
18 920
-
-
Dividends
-
67 080
-
-
income
-
14 758
-
-
total
-
14 758
-
-
Income
86 000
86 000
86 000
86 000
Total tax
95 214
33 678
11 822
26 567
After tax
-9 214
52 322
74 178
59 433
Living cost
38 774
38 774
38 774
38 774
Free-cash
-47 988
13 548
35 404
20 659

Estimated living cost  is ₽38774 per week

₽25158
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3647
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.
₽9475
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
₽33039
₽33837
₽34061
₽36428
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
-
-
-
86 000
income
-
-
-
10 029
health
-
-
-
2 194
social contributions
-
-
-
13 218
total
-
-
-
25 441
Employee
62 821
62 821
78 075
-
health
625
1 068
1 327
-
income
6 597
5 815
9 933
-
social contributions
3 053
5 214
6 480
-
total
10 275
12 097
17 740
-
Employer
62 821
62 821
78 075
-
health
681
1 163
1 445
-
social contributions
3 053
5 214
6 480
-
total
3 734
6 377
7 925
-
Corporate
45 494
16 802
-
-
income
5 687
2 101
-
-
total
5 687
2 101
-
-
Dividends
39 807
14 701
-
-
withholding
6 767
2 499
-
-
total
6 767
2 499
-
-
Income
86 000
86 000
86 000
86 000
Total tax
26 463
23 074
25 665
25 441
After tax
59 537
62 926
60 335
60 559
Living cost
26 498
26 498
26 498
26 498
Free-cash
33 039
36 428
33 837
34 061

Estimated living cost  is ₽26498 per week

₽18114
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2070
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽445
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5870
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
₽30888
₽24044
₽31821
₽32791
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
-
-
-
86 000
income
-
-
-
19 044
pensions
-
-
-
6 011
total
-
-
-
25 055
Employee
39 976
-
75 608
-
health
521
-
1 252
-
pensions
3 051
-
7 327
-
income
7 280
-
13 861
-
total
10 852
-
22 440
-
Employer
39 976
-
75 608
-
health
760
-
1 437
-
pensions
4 039
-
8 955
-
total
4 799
-
10 392
-
Corporate
41 225
86 000
-
-
income

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

7 833
16 340
-
-
total
7 833
16 340
-
-
Dividends
33 392
69 660
-
-
withholding
2 504
7 745
-
-
total
2 504
7 745
-
-
Income
86 000
86 000
86 000
86 000
Total tax
25 988
24 085
32 832
25 055
After tax
60 012
61 915
53 168
60 945
Living cost
29 124
29 124
29 124
29 124
Free-cash
30 888
32 791
24 044
31 821

Estimated living cost  is ₽29124 per week

₽19979
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2678
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽364
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6101
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
₽9037
₽6500
₽10433
₽12752
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
-
-
-
86 000
municipal
-
-
-
575
regional
-
-
-
1 757
social contributions
-
-
-
22 119
national
-
-
-
18 570
total
-
-
-
43 021
Employee
68 843
-
86 000
-
social contributions
23 214
-
28 999
-
regional
1 039
-
1 487
-
national
11 634
-
15 955
-
municipal
411
-
513
-
total
36 298
-
46 954
-
Employer
68 843
-
86 000
-
total
-
-
-
-
Corporate
17 157
86 000
-
-
nationa
4 118
20 640
-
-
municipal
826
4 146
-
-
total
4 944
24 786
-
-
Dividends
12 213
61 214
-
-
withholding
3 175
15 916
-
-
total
3 175
15 916
-
-
Income
86 000
86 000
86 000
86 000
Total tax
44 417
40 702
46 954
43 021
After tax
41 583
45 298
39 046
42 979
Living cost
32 546
32 546
32 546
32 546
Free-cash
9 037
12 752
6 500
10 433

Estimated living cost  is ₽32546 per week

₽22862
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2239
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽491
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6953
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
₽4313
₽27573
₽41682
-₽10331
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
-
-
-
86 000
pensions
-
-
-
3 271
income
-
-
-
21 545
other
-
-
-
291
health
-
-
-
1 715
accident
-
-
-
199
total
-
-
-
27 021
Employee
27 209
-
74 278
-
health
3 115
-
8 505
-
pensions
3 064
-
5 998
-
income
3 733
-
14 905
-
total
9 912
-
29 408
-
Employer
27 209
-
74 278
-
pensions
4 424
-
8 662
-
accident
454
-
1 240
-
unemployment
667
-
1 820
-
total
5 545
-
11 722
-
Corporate
53 246
86 000
-
-
income

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

47 921
77 400
-
-
total
47 921
77 400
-
-
Dividends
5 325
8 600
-
-
withholding
1 012
1 634
-
-
total
1 012
1 634
-
-
Income
86 000
86 000
86 000
86 000
Total tax
64 390
79 034
41 130
27 021
After tax
21 610
6 966
44 870
58 979
Living cost
17 297
17 297
17 297
17 297
Free-cash
4 313
-10 331
27 573
41 682

Estimated living cost  is ₽17297 per week

₽12677
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽958
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽361
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3301
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
₽23502
₽29127
₽22237
₽12812
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.

-
-
-
86 000
trade
-
-
-
6 890
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.

-
-
-
18 722
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.

-
-
-
5 581
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.

-
-
-
1 029
total
-
-
-
32 222
Employee

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

40 649
-
86 000
-
health

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

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

5 581
-
5 581
-
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.

3 343
-
18 722
-
surtax

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

184
-
1 029
-
total
9 108
-
25 332
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
45 351
86 000
-
-
income
6 803
12 901
-
-
trade
6 508
12 341
-
-
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.

374
710
-
-
chamber of commerce
191
250
-
-
total
13 876
26 202
-
-
Dividends
31 475
59 799
-
-
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
805
-
-
withholding
7 558
14 640
-
-
total
7 973
15 445
-
-
Income
86 000
86 000
86 000
86 000
Total tax
30 957
41 647
25 332
32 222
After tax
55 043
44 353
60 668
53 778
Living cost
31 541
31 541
31 541
31 541
Free-cash
23 502
12 812
29 127
22 237

Estimated living cost  is ₽31541 per week

₽21758
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3394
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.
₽5932
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
₽45102
₽31428
₽28864
₽51804
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.

-
-
-
86 000
income
-
-
-
12 491
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.

-
-
-
27 649
surtax
-
-
-
-
total
-
-
-
40 140
Employee
23 872
-
69 304
-
income
4 250
-
13 257
-
social contributions

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

2 626
-
7 623
-
surtax
-
-
-
-
total
6 876
-
20 880
-
Employer
23 872
-
69 304
-
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.

5 750
-
16 696
-
surtax
-
-
-
-
total
5 750
-
16 696
-
Corporate
56 377
86 000
-
-
income

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

11 276
17 200
-
-
total
11 276
17 200
-
-
Dividends

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

45 102
68 800
-
-
total
-
-
-
-
Income
86 000
86 000
86 000
86 000
Total tax
23 902
17 200
37 576
40 140
After tax
62 098
68 800
48 424
45 860
Living cost
16 996
16 996
16 996
16 996
Free-cash
45 102
51 804
31 428
28 864

Estimated living cost  is ₽16996 per week

₽10843
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1619
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽386
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4149
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
₽41974
₽39250
₽39963
₽43623
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
-
-
-
86 000
income
-
-
-
23 362
health
-
-
-
5 310
pensions
-
-
-
7 324
total
-
-
-
35 996
Employee
15 294
-
77 760
-
health
765
-
1 831
-
unemployment
153
-
366
-
pensions
1 376
-
3 296
-
income
2 959
-
22 977
-
total
5 253
-
28 470
-
Employer
15 294
-
77 760
-
health
1 453
-
3 479
-
pensions
1 682
-
4 028
-
unemployment
306
-
732
-
total
3 441
-
8 239
-
Corporate
67 265
86 000
-
-
income
14 798
18 920
-
-
total
14 798
18 920
-
-
Dividends
52 467
67 080
-
-
withholding
10 493
13 416
-
-
total
10 493
13 416
-
-
Income
86 000
86 000
86 000
86 000
Total tax
33 985
32 336
36 709
35 996
After tax
52 015
53 664
49 291
50 004
Living cost
10 041
10 041
10 041
10 041
Free-cash
41 974
43 623
39 250
39 963

Estimated living cost  is ₽10041 per week

₽5967
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽814
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽230
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3030
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
₽33144
₽23783
₽25409
₽35745
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
-
-
-
86 000
pensions
-
-
-
17 200
unemployment
-
-
-
186
income
-
-
-
16 655
other
-
-
-
-
health
-
-
-
6 107
surtax
-
-
-
2 093
total
-
-
-
42 241
Employee
27 513
-
71 045
-
health
702
-
1 811
-
unemployment
1 915
-
4 944
-
pensions
1 836
-
4 739
-
income
4 612
-
15 522
-
other
-
-
-
-
surtax
98
-
1 896
-
total
9 163
-
28 912
-
Employer
27 513
-
71 045
-
health
1 251
-
3 232
-
pensions
3 668
-
9 470
-
unemployment
873
-
2 253
-
other
-
-
-
-
total
5 792
-
14 955
-
Corporate
52 695
86 000
-
-
income
13 701
22 359
-
-
total
13 701
22 359
-
-
Dividends
38 995
63 641
-
-
withholding
5 850
9 546
-
-
total
5 850
9 546
-
-
Income
86 000
86 000
86 000
86 000
Total tax
34 506
31 905
43 867
42 241
After tax
51 494
54 095
42 133
43 759
Living cost
18 350
18 350
18 350
18 350
Free-cash
33 144
35 745
23 783
25 409

Estimated living cost  is ₽18350 per week

₽11079
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1595
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽426
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5251
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
₽21756
-₽498
₽17288
₽22159
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
-
-
-
86 000
pensions
-
-
-
15 910
chamber of commerce
-
-
-
344
unemployment
-
-