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
₽22381
₽23511
₽35059
₽30696
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
-
-
-
16 473
accident
-
-
-
695
unemployment
-
-
-
540
pensions
-
-
-
21 824
other
-
-
-
77
total
-
-
-
39 609
Employee
30 766
-
65 208
-
other
30
-
65
-
income
5 931
-
15 808
-
unemployment
477
-
1 011
-
pensions
1 446
-
3 065
-
total
7 884
-
19 949
-
Employer
30 766
-
65 208
-
unemployment
1 693
-
3 586
-
pensions
7 260
-
15 389
-
other
246
-
523
-
accident
609
-
1 292
-
total
9 808
-
20 790
-
Corporate
45 426
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.

6 813
12 900
-
-
total
6 813
12 900
-
-
Dividends
38 613
73 100
-
-
withholding
7 919
15 161
-
-
total
7 919
15 161
-
-
Income
86 000
86 000
86 000
86 000
Total tax
32 424
28 061
40 739
39 609
After tax
53 576
57 939
45 261
46 391
Living cost
22 880
22 880
22 880
22 880
Free-cash
30 696
35 059
22 381
23 511

Estimated living cost  is ₽22880 per week

₽15444
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2199
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽401
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.
₽4836
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
₽28026
₽24396
₽41013
₽35395
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
-
-
-
10 923
health
-
-
-
3 785
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
other
-
-
-
4 085
total
-
-
-
39 433
Employee
30 211
-
68 690
-
income
5 201
-
12 038
-
health
423
-
962
-
unemployment
302
-
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.

2 114
-
4 808
-
total
8 040
-
18 495
-
Employer
30 211
-
68 690
-
unemployment
302
-
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.

5 136
-
11 676
-
other
1 511
-
3 434
-
accident
242
-
549
-
health
423
-
962
-
total
7 614
-
17 308
-
Corporate
48 176
86 000
-
-
income
10 116
18 060
-
-
total
10 116
18 060
-
-
Dividends
38 059
67 940
-
-
withholding
2 664
4 756
-
-
total
2 664
4 756
-
-
Income
86 000
86 000
86 000
86 000
Total tax
28 434
22 816
35 803
39 433
After tax
57 566
63 184
50 197
46 567
Living cost
22 171
22 171
22 171
22 171
Free-cash
35 395
41 013
28 026
24 396

Estimated living cost  is ₽22171 per week

₽15665
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1497
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽357
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.
₽4652
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
₽57182
₽54460
₽62638
₽58779
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
-
-
-
12 900
health
-
-
-
3 337
unemployment
-
-
-
116
pensions

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

-
-
-
4 295
total
-
-
-
20 648
Employee
14 422
-
80 307
-
income
1 442
-
8 031
-
health
663
-
1 335
-
accident

We are using the highest rate at 1.1%.

159
-
319
-
pensions

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

1 266
-
2 548
-
total
3 530
-
12 233
-
Employer
14 422
-
80 307
-
unemployment
86
-
174
-
pensions

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

1 590
-
3 198
-
accident

We are using the highest rate at 1.1%.

159
-
319
-
health
995
-
2 002
-
total
2 830
-
5 693
-
Corporate
68 748
86 000
-
-
income
6 875
8 600
-
-
total
6 875
8 600
-
-
Dividends
61 873
77 400
-
-
withholding
3 094
3 870
-
-
total
3 094
3 870
-
-
Income
86 000
86 000
86 000
86 000
Total tax
16 329
12 470
17 926
20 648
After tax
69 671
73 530
68 074
65 352
Living cost
10 892
10 892
10 892
10 892
Free-cash
58 779
62 638
57 182
54 460

Estimated living cost  is ₽10892 per week

₽6359
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽778
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽289
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.
₽3467
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
₽25398
₽20974
₽14876
₽19792
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
-
-
-
8 586
social contributions
-
-
-
2 451
health
-
-
-
1 746
surtax
-
-
-
-
pensions
-
-
-
21 106
other
-
-
-
2 670
total
-
-
-
36 559
Employee
35 610
-
69 700
-
income
2 102
-
10 448
-
social contributions
1 015
-
1 986
-
surtax
-
-
-
-
pensions
4 026
-
3 401
-
total
7 143
-
15 835
-
Employer
35 610
-
69 700
-
unemployment
1 442
-
2 823
-
social contributions
107
-
208
-
pensions
5 850
-
5 985
-
other
1 228
-
2 405
-
health
2 493
-
4 879
-
total
11 120
-
16 300
-
Corporate
39 269
86 000
-
-
income
10 996
24 081
-
-
surtax
-
-
-
-
total
10 996
24 081
-
-
Dividends
28 273
61 919
-
-
withholding
3 619
7 926
-
-
surtax
-
-
-
-
social contributions
4 863
10 650
-
-
total
8 482
18 576
-
-
Income
86 000
86 000
86 000
86 000
Total tax
37 741
42 657
32 135
36 559
After tax
48 259
43 343
53 865
49 441
Living cost
28 467
28 467
28 467
28 467
Free-cash
19 792
14 876
25 398
20 974

Estimated living cost  is ₽28467 per week

₽17950
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.
₽485
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.
₽7720
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
₽7552
₽13942
₽6820
₽1721
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
-
-
-
17 324
health
-
-
-
10 129
pensions
-
-
-
9 749
total
-
-
-
37 202
Employee
71 053
71 053
73 185
-
income

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

11 630
11 630
11 630
-
health
10 906
9 276
9 398
-
pensions
12 790
9 749
9 749
-
total
35 326
30 655
30 777
-
Employer
71 053
71 053
73 185
-
unemployment
2 558
2 558
2 635
-
pensions
4 945
4 945
5 094
-
health
4 939
4 939
5 086
-
total
12 442
12 442
12 815
-
Corporate
3 376
2 504
-
-
income
676
501
-
-
total
676
501
-
-
Dividends
2 700
2 004
-
-
withholding
406
300
-
-
income
573
426
-
-
total
979
726
-
-
Income
86 000
86 000
86 000
86 000
Total tax
49 423
44 324
43 592
37 202
After tax
36 577
41 676
42 408
48 798
Living cost
34 856
34 856
34 856
34 856
Free-cash
1 721
6 820
7 552
13 942

Estimated living cost  is ₽34856 per week

₽24701
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3142
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽554
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.
₽6458
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
₽35669
₽28216
₽18274
₽27475
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
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.

-
-
-
18 431
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.

-
-
-
5 684
trade
-
-
-
7 453
surtax

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

-
-
-
1 014
total
-
-
-
32 582
Employee

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

31 824
-
86 000
-
income

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

889
-
18 431
-
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.

5 684
-
5 684
-
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.

49
-
1 014
-
total
6 622
-
25 129
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
54 176
86 000
-
-
chamber of commerce
204
249
-
-
income
8 127
12 900
-
-
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.

447
709
-
-
trade
8 533
13 544
-
-
total
17 311
27 402
-
-
Dividends
36 866
58 597
-
-
withholding
8 901
14 334
-
-
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.

489
788
-
-
total
9 390
15 122
-
-
Income
86 000
86 000
86 000
86 000
Total tax
33 323
42 524
25 129
32 582
After tax
52 677
43 476
60 871
53 418
Living cost
25 202
25 202
25 202
25 202
Free-cash
27 475
18 274
35 669
28 216

Estimated living cost  is ₽25202 per week

₽15853
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2938
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽471
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5940
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
₽41275
₽41363
₽43670
₽39145
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
-
-
-
9 764
social contributions
-
-
-
13 416
health
-
-
-
2 193
total
-
-
-
25 373
Employee
63 980
63 980
78 075
-
income
6 966
5 923
9 728
-
social contributions
2 419
5 310
6 480
-
health
496
1 088
1 328
-
total
9 881
12 321
17 536
-
Employer
63 980
63 980
78 075
-
social contributions
2 419
5 310
6 480
-
health
538
1 184
1 445
-
total
2 957
6 494
7 925
-
Corporate
53 897
15 525
-
-
income
6 737
1 941
-
-
total
6 737
1 941
-
-
Dividends
47 160
13 585
-
-
withholding
8 016
2 310
-
-
total
8 016
2 310
-
-
Income
86 000
86 000
86 000
86 000
Total tax
27 591
23 066
25 461
25 373
After tax
58 409
62 934
60 539
60 627
Living cost
19 264
19 264
19 264
19 264
Free-cash
39 145
43 670
41 275
41 363

Estimated living cost  is ₽19264 per week

₽11545
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1890
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.
₽5403
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
₽17325
₽21860
₽22818
₽21977
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
-
-
-
8 156
social contributions

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

-
-
-
29 885
surtax
-
-
-
-
total
-
-
-
38 041
Employee
38 268
-
69 495
-
income
7 960
-
18 427
-
social contributions
4 210
-
7 644
-
surtax
-
-
-
-
total
12 170
-
26 071
-
Employer
38 268
-
69 495
-
social contributions
9 089
-
16 505
-
total
9 089
-
16 505
-
Corporate
38 644
86 000
-
-
income
8 116
18 060
-
-
surtax
-
-
-
-
total
8 116
18 060
-
-
Dividends
30 528
67 940
-
-
withholding
8 549
19 023
-
-
total
8 549
19 023
-
-
Income
86 000
86 000
86 000
86 000
Total tax
37 924
37 083
42 576
38 041
After tax
48 076
48 917
43 424
47 959
Living cost
26 099
26 099
26 099
26 099
Free-cash
21 977
22 818
17 325
21 860

Estimated living cost  is ₽26099 per week

₽19527
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1539
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽436
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.
₽4596
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
₽62583
₽78923
₽75483
₽74318
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
7 771
-
86 000
-
income
1 554
-
17 200
-
total
1 554
-
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%.

78 229
86 000
-
-
total
-
-
-
-
Dividends
78 229
86 000
-
-
withholding
3 911
4 300
-
-
total
3 911
4 300
-
-
Income
86 000
86 000
86 000
86 000
Total tax
5 465
4 300
17 200
860
After tax
80 535
81 700
68 800
85 140
Living cost
6 217
6 217
6 217
6 217
Free-cash
74 318
75 483
62 583
78 923

Estimated living cost  is ₽6217 per week

₽3853
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽517
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽171
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.
₽1677
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
₽19592
₽22055
₽36892
₽29934
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
income
-
-
-
17 330
health
-
-
-
8 463
unemployment
-
-
-
129
pensions
-
-
-
15 706
total
-
-
-
41 628
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.

36 793
-
74 414
-
income
6 345
-
16 061
-
health
2 376
-
4 806
-
unemployment
52
-
104
-
pensions
5 703
-
11 534
-
total
14 476
-
32 505
-
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.

36 793
-
74 414
-
unemployment
22
-
44
-
pensions
3 256
-
6 586
-
health
2 451
-
4 956
-
total
5 729
-
11 586
-
Corporate
43 478
86 000
-
-
income
8 261
16 341
-
-
total
8 261
16 341
-
-
Dividends
35 217
69 659
-
-
withholding
5 283
10 450
-
-
total
5 283
10 450
-
-
Income
86 000
86 000
86 000
86 000
Total tax
33 749
26 791
44 091
41 628
After tax
52 251
59 209
41 909
44 372
Living cost
22 317
22 317
22 317
22 317
Free-cash
29 934
36 892
19 592
22 055

Estimated living cost  is ₽22317 per week

₽15316
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1431
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽433
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.
₽5140
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
₽33001
₽26655
₽21301
₽24314
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
-
-
-
23 684
health

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

-
-
-
5 458
total
-
-
-
29 142
Employee
38 169
-
82 173
-
social contributions
3 824
-
3 827
-
income
4 142
-
15 142
-
total
7 966
-
18 969
-
Employer
38 169
-
82 173
-
social contributions
3 824
-
3 827
-
total
3 824
-
3 827
-
Corporate
44 006
86 000
-
-
income
15 403
30 100
-
-
total
15 403
30 100
-
-
Dividends
28 604
55 900
-
-
social contributions
4 290
4 396
-
-
total
4 290
4 396
-
-
Income
86 000
86 000
86 000
86 000
Total tax
31 483
34 496
22 796
29 142
After tax
54 517
51 504
63 204
56 858
Living cost
30 203
30 203
30 203
30 203
Free-cash
24 314
21 301
33 001
26 655

Estimated living cost  is ₽30203 per week

₽19895
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2381
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽463
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.
₽7464
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
₽37593
₽37587
₽34825
₽35257
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
-
-
-
12 900
social contributions
-
-
-
11 867
health
-
-
-
6 003
total
-
-
-
30 770
Employee
28 211
-
86 000
-
income
4 705
-
12 894
-
social contributions
3 894
-
11 867
-
health
1 969
-
6 003
-
total
10 568
-
30 764
-
Employer
28 211
-
86 000
-
total
-
-
-
-
Corporate
57 789
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%.

2 890
4 300
-
-
total
2 890
4 300
-
-
Dividends
54 899
81 700
-
-
withholding
8 234
12 254
-
-
health
3 832
5 703
-
-
social contributions
7 576
11 275
-
-
total
19 642
29 232
-
-
Income
86 000
86 000
86 000
86 000
Total tax
33 100
33 532
30 764
30 770
After tax
52 900
52 468
55 236
55 230
Living cost
17 643
17 643
17 643
17 643
Free-cash
35 257
34 825
37 593
37 587

Estimated living cost  is ₽17643 per week

₽11807
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1088
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽406
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.
₽4341
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
₽20834
₽19078
₽36403
₽28267
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
social contributions
-
-
-
25 112
solidarity contribution
-
-
-
-
health
-
-
-
11 610
total
-
-
-
44 114
Employee
33 541
-
64 179
-
solidarity contribution
-
-
-
-
income
4 025
-
7 701
-
social contributions
2 180
-
4 172
-
health
4 528
-
8 664
-
total
10 733
-
20 537
-
Employer
33 541
-
64 179
-
social contributions
8 385
-
16 045
-
health
3 019
-
5 776
-
total
11 404
-
21 821
-
Corporate
41 055
86 000
-
-
income
7 800
16 340
-
-
total
7 800
16 340
-
-
Dividends
33 255
69 660
-
-
withholding
4 988
10 449
-
-
total
4 988
10 449
-
-
Income
86 000
86 000
86 000
86 000
Total tax
34 925
26 789
42 358
44 114
After tax
51 075
59 211
43 642
41 886
Living cost
22 808
22 808
22 808
22 808
Free-cash
28 267
36 403
20 834
19 078

Estimated living cost  is ₽22808 per week

₽16961
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1263
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽395
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4188
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
₽59112
₽75452
₽72012
₽70196
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
12 111
-
86 000
-
income
2 422
-
17 200
-
total
2 422
-
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%.

73 889
86 000
-
-
total
-
-
-
-
Dividends
73 889
86 000
-
-
withholding
3 694
4 300
-
-
total
3 694
4 300
-
-
Income
86 000
86 000
86 000
86 000
Total tax
6 116
4 300
17 200
860
After tax
79 884
81 700
68 800
85 140
Living cost
9 688
9 688
9 688
9 688
Free-cash
70 196
72 012
59 112
75 452

Estimated living cost  is ₽9688 per week

₽6556
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽407
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽325
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.
₽2400
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
₽13678
₽9254
₽3156
₽8878
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
-
-
-
8 586
social contributions
-
-
-
2 451
health
-
-
-
1 746
surtax
-
-
-
-
pensions
-
-
-
21 106
other
-
-
-
2 670
total
-
-
-
36 559
Employee
52 113
-
69 700
-
income
4 547
-
10 448
-
social contributions
1 484
-
1 986
-
surtax
-
-
-
-
pensions
5 894
-
3 401
-
total
11 925
-
15 835
-
Employer
52 113
-
69 700
-
unemployment
2 111
-
2 823
-
social contributions
156
-
208
-
pensions
8 563
-
5 985
-
other
1 798
-
2 405
-
health
3 647
-
4 879
-
total
16 275
-
16 300
-
Corporate
17 611
86 000
-
-
income
4 931
24 081
-
-
surtax
-
-
-
-
total
4 931
24 081
-
-
Dividends
12 680
61 919
-
-
withholding
1 623
7 926
-
-
surtax
-
-
-
-
social contributions
2 181
10 650
-
-
total
3 804
18 576
-
-
Income
86 000
86 000
86 000
86 000
Total tax
36 935
42 657
32 135
36 559
After tax
49 065
43 343
53 865
49 441
Living cost
40 187
40 187
40 187
40 187
Free-cash
8 878
3 156
13 678
9 254

Estimated living cost  is ₽40187 per week

₽27198
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3287
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽551
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.
₽9150
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
₽31526
₽31526
₽47793
₽43713
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
income
-
-
-
16 965
health
-
-
-
6 313
unemployment
-
-
-
919
pensions
-
-
-
15 935
total
-
-
-
40 132
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.

21 627
-
75 029
-
income
2 981
-
16 965
-
health
1 114
-
3 156
-
unemployment
162
-
460
-
pensions
3 028
-
8 580
-
total
7 285
-
29 161
-
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.

21 627
-
75 029
-
unemployment
162
-
460
-
pensions
2 595
-
7 355
-
health
1 114
-
3 156
-
total
3 871
-
10 971
-
Corporate
60 502
86 000
-
-
income
9 075
12 900
-
-
total
9 075
12 900
-
-
Dividends
51 427
73 100
-
-
withholding
7 714
10 965
-
-
total
7 714
10 965
-
-
Income
86 000
86 000
86 000
86 000
Total tax
27 945
23 865
40 132
40 132
After tax
58 055
62 135
45 868
45 868
Living cost
14 342
14 342
14 342
14 342
Free-cash
43 713
47 793
31 526
31 526

Estimated living cost  is ₽14342 per week

₽9656
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1109
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽415
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3161
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
₽8999
₽13265
-₽18747
₽6099
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
regional
-
-
-
3 225
national
-
-
-
705
health
-
-
-
194
city
-
-
-
907
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
pensions
-
-
-
7 911
total
-
-
-
14 662
Employee
67 961
-
76 975
-
regional
2 225
-
2 756
-
city
729
-
826
-
health
154
-
173
-
unemployment
-
-
-
-
national
322
-
529
-
pensions
5 710
-
6 466
-
total
9 140
-
10 750
-
Employer
67 961
-
76 975
-
unemployment
-
-
-
-
pensions
5 710
-
6 466
-
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.

1 359
-
1 539
-
health
154
-
173
-
total
7 223
-
8 178
-
Corporate
10 070
86 000
-
-
regional
2 130
18 189
-
-
national
856
7 310
-
-
total
2 986
25 499
-
-
Dividends
7 084
60 501
-
-
withholding
2 479
21 175
-
-
total
2 479
21 175
-
-
Income
86 000
86 000
86 000
86 000
Total tax
21 828
46 674
18 928
14 662
After tax
64 172
39 326
67 072
71 338
Living cost
58 073
58 073
58 073
58 073
Free-cash
6 099
-18 747
8 999
13 265

Estimated living cost  is ₽58073 per week

₽37764
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5211
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽713
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.
₽14384
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
₽16894
₽28813
₽25025
₽23505
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
-
-
-
15 303
national
-
-
-
8 963
health
-
-
-
977
total
-
-
-
25 243
Employee
43 776
-
72 347
-
health
327
-
767
-
unemployment
657
-
1 085
-
national
723
-
4 961
-
municipal
7 170
-
11 811
-
pensions
2 954
-
4 884
-
total
11 831
-
23 508
-
Employer
43 776
-
72 347
-
unemployment
284
-
471
-
pensions
7 595
-
12 553
-
accident
44
-
73
-
health
336
-
557
-
total
8 259
-
13 654
-
Corporate
33 965
86 000
-
-
income
6 793
17 200
-
-
total
6 793
17 200
-
-
Dividends

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

20 379
51 600
-
-
national
-
2 544
-
-
municipal
3 668
9 287
-
-
total
3 668
11 831
-
-
Income
86 000
86 000
86 000
86 000
Total tax
30 551
29 031
37 162
25 243
After tax
55 449
56 969
48 838
60 757
Living cost
31 944
31 944
31 944
31 944
Free-cash
23 505
25 025
16 894
28 813

Estimated living cost  is ₽31944 per week

₽20866
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3073
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽508
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.
₽7498
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
₽3020
₽9715
₽17884
₽5406
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
national
-
-
-
28 036
social contributions
-
-
-
13 566
communal

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

-
-
-
4 345
total
-
-
-
45 947
Employee

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

59 517
-
66 609
-
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.

2 796
-
3 131
-
communal

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

3 104
-
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.

518
-
579
-
national
18 298
-
21 070
-
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.

4 464
-
4 996
-
total
29 180
-
33 250
-
Employer

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

59 517
-
66 609
-
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.

868
-
973
-
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.

5 274
-
5 902
-
surtax
6 748
-
7 554
-
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.

774
-
867
-
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.

3 660
-
4 096
-
total
17 324
-
19 392
-
Corporate
9 159
86 000
-
-
income
1 832
17 200
-
-
surtax
36
344
-
-
total
1 868
17 544
-
-
Dividends
7 291
68 456
-
-
withholding

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

1 884
20 234
-
-
total
1 884
20 234
-
-
Income
86 000
86 000
86 000
86 000
Total tax
50 256
37 778
52 642
45 947
After tax
35 744
48 222
33 358
40 053
Living cost
30 337
30 337
30 337
30 337
Free-cash
5 406
17 884
3 020
9 715

Estimated living cost  is ₽30337 per week

₽19541
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2653
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽475
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.
₽7669
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
₽11573
₽10698
₽12605
₽11834
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
-
-
-
19 141
national
-
-
-
-
health
-
-
-
4 698
accident
-
-
-
151
unemployment
-
-
-
75
pensions
-
-
-
8 138
other
-
-
-
8 748
total
-
-
-
40 951
Employee
48 947
-
65 439
-
national
-
-
-
-
municipal
14 596
-
19 514
-
total
14 596
-
19 514
-
Employer
48 947
-
65 439
-
unemployment
1 292
-
1 728
-
pensions
5 291
-
7 074
-
other
5 688
-
7 604
-
accident
98
-
131
-
health
3 010
-
4 025
-
total
15 379
-
20 562
-
Corporate
21 674
86 000
-
-
income
4 768
18 920
-
-
total
4 768
18 920
-
-
Dividends
16 906
67 080
-
-
withholding
5 072
20 124
-
-
total
5 072
20 124
-
-
Income
86 000
86 000
86 000
86 000
Total tax
39 815
39 044
40 076
40 951
After tax
46 185
46 956
45 924
45 049
Living cost
34 351
34 351
34 351
34 351
Free-cash
11 834
12 605
11 573
10 698

Estimated living cost  is ₽34351 per week

₽22766
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3371
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽522
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.
₽7692
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
₽36400
₽21422
₽14311
-₽45349
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
54 502
-
-
-
income
12 022
-
-
-
social contributions
4 469
-
637
-
total
16 491
-
637
-
Employer
54 502
-
-
-
social contributions
76 847
-
10 952
-
total
76 847
-
10 952
-
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
93 338
33 678
11 589
26 567
After tax
-7 338
52 322
74 411
59 433
Living cost
38 011
38 011
38 011
38 011
Free-cash
-45 349
14 311
36 400
21 422

Estimated living cost  is ₽38011 per week

₽24663
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3575
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽484
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.
₽9288
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
₽33552
₽33640
₽35947
₽32498
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
-
-
-
9 764
social contributions
-
-
-
13 416
health
-
-
-
2 193
total
-
-
-
25 373
Employee
63 980
63 980
78 075
-
income
6 718
5 923
9 728
-
social contributions
3 109
5 310
6 480
-
health
636
1 088
1 328
-
total
10 463
12 321
17 536
-
Employer
63 980
63 980
78 075
-
social contributions
3 109
5 310
6 480
-
health
693
1 184
1 445
-
total
3 802
6 494
7 925
-
Corporate
44 747
15 525
-
-
income
5 593
1 941
-
-
total
5 593
1 941
-
-
Dividends
39 154
13 585
-
-
withholding
6 657
2 310
-
-
total
6 657
2 310
-
-
Income
86 000
86 000
86 000
86 000
Total tax
26 515
23 066
25 461
25 373
After tax
59 485
62 934
60 539
60 627
Living cost
26 987
26 987
26 987
26 987
Free-cash
32 498
35 947
33 552
33 640

Estimated living cost  is ₽26987 per week

₽18449
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2108
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽453
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5978
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
₽23554
₽31176
₽32301
₽29738
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
-
-
-
18 542
pensions
-
-
-
6 159
total
-
-
-
24 701
Employee
41 348
-
75 652
-
income
7 530
-
13 459
-
health
539
-
1 243
-
pensions
3 156
-
7 273
-
total
11 225
-
21 975
-
Employer
41 348
-
75 652
-
pensions
4 177
-
8 910
-
health
786
-
1 438
-
total
4 963
-
10 348
-
Corporate
39 689
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.

7 540
16 340
-
-
total
7 540
16 340
-
-
Dividends
32 148
69 660
-
-
withholding
2 411
7 236
-
-
total
2 411
7 236
-
-
Income
86 000
86 000
86 000
86 000
Total tax
26 139
23 576
32 323
24 701
After tax
59 861
62 424
53 677
61 299
Living cost
30 123
30 123
30 123
30 123
Free-cash
29 738
32 301
23 554
31 176

Estimated living cost  is ₽30123 per week

₽20664
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2770
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽377
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.
₽6310
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
₽6019
₽9950
₽12152
₽8366
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
-
-
-
1 744
national
-
-
-
18 464
social contributions
-
-
-
22 120
total
-
-
-
42 903
Employee
70 113
-
86 000
-
regional
1 059
-
1 472
-
social contributions
23 642
-
28 999
-
national
11 849
-
15 850
-
municipal
418
-
513
-
total
36 968
-
46 834
-
Employer
70 113
-
86 000
-
total
-
-
-
-
Corporate
15 887
86 000
-
-
nationa
3 813
20 640
-
-
municipal
766
4 145
-
-
total
4 579
24 785
-
-
Dividends
11 308
61 215
-
-
withholding
2 940
15 916
-
-
total
2 940
15 916
-
-
Income
86 000
86 000
86 000
86 000
Total tax
44 487
40 701
46 834
42 903
After tax
41 513
45 299
39 166
43 097
Living cost
33 147
33 147
33 147
33 147
Free-cash
8 366
12 152
6 019
9 950

Estimated living cost  is ₽33147 per week

₽23283
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2280
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽501
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.
₽7082
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
₽27473
₽41608
-₽10408
₽4302
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
-
-
-
21 518
health
-
-
-
1 722
accident
-
-
-
199
pensions
-
-
-
3 286
other
-
-
-
293
total
-
-
-
27 018
Employee
27 330
-
74 240
-
income
3 749
-
14 867
-
health
3 129
-
8 501
-
pensions
3 077
-
6 025
-
total
9 955
-
29 393
-
Employer
27 330
-
74 240
-
unemployment
670
-
1 819
-
pensions
4 444
-
8 701
-
accident
456
-
1 240
-
total
5 570
-
11 760
-
Corporate
53 100
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.

47 790
77 400
-
-
total
47 790
77 400
-
-
Dividends
5 310
8 600
-
-
withholding
1 009
1 634
-
-
total
1 009
1 634
-
-
Income
86 000
86 000
86 000
86 000
Total tax
64 324
79 034
41 153
27 018
After tax
21 676
6 966
44 847
58 982
Living cost
17 374
17 374
17 374
17 374
Free-cash
4 302
-10 408
27 473
41 608

Estimated living cost  is ₽17374 per week

₽12734
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽963
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽363
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.
₽3315
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
₽28748
₽21958
₽12235
₽23124
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
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.

-
-
-
18 431
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.

-
-
-
5 684
trade
-
-
-
6 790
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.

-
-
-
1 014
total
-
-
-
31 919
Employee

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

41 399
-
86 000
-
income

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

3 404
-
18 431
-
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.

5 684
-
5 684
-
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.

188
-
1 014
-
total
9 276
-
25 129
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
44 601
86 000
-
-
chamber of commerce
191
253
-
-
income
6 690
12 900
-
-
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.

368
709
-
-
trade
6 400
12 341
-
-
total
13 649
26 203
-
-
Dividends
30 952
59 797
-
-
withholding
7 421
14 634
-
-
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.

407
805
-
-
total
7 828
15 439
-
-
Income
86 000
86 000
86 000
86 000
Total tax
30 753
41 642
25 129
31 919
After tax
55 247
44 358
60 871
54 081
Living cost
32 123
32 123
32 123
32 123
Free-cash
23 124
12 235
28 748
21 958

Estimated living cost  is ₽32123 per week

₽22159
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3456
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽466
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.
₽6041
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
₽31132
₽28568
₽51490
₽44665
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
microenterprise
-
-
-
-
income
-
-
-
12 473
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
-
-
-
40 122
Employee
24 313
-
69 304
-
income
4 328
-
13 239
-
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.

2 675
-
7 623
-
surtax
-
-
-
-
total
7 003
-
20 862
-
Employer
24 313
-
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.

5 856
-
16 696
-
surtax
-
-
-
-
total
5 856
-
16 696
-
Corporate
55 831
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%.

11 166
17 200
-
-
total
11 166
17 200
-
-
Dividends

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

44 664
68 800
-
-
total
-
-
-
-
Income
86 000
86 000
86 000
86 000
Total tax
24 025
17 200
37 558
40 122
After tax
61 975
68 800
48 442
45 878
Living cost
17 310
17 310
17 310
17 310
Free-cash
44 665
51 490
31 132
28 568

Estimated living cost  is ₽17310 per week

₽11043
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1648
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽393
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.
₽4225
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
₽38050
₽38816
₽42900
₽41132
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
-
-
-
22 877
health
-
-
-
5 692
pensions
-
-
-
7 851
total
-
-
-
36 420
Employee
16 394
-
77 167
-
income
3 171
-
22 465
-
health
820
-
1 963
-
unemployment
164
-
393
-
pensions
1 475
-
3 533
-
total
5 630
-
28 354
-
Employer
16 394
-
77 167
-
unemployment
328
-
785
-
pensions
1 803
-
4 318
-
health
1 558
-
3 729
-
total
3 689
-
8 832
-
Corporate
65 917
86 000
-
-
income
14 502
18 920
-
-
total
14 502
18 920
-
-
Dividends
51 415
67 080
-
-
withholding
10 283
13 416
-
-
total
10 283
13 416
-
-
Income
86 000
86 000
86 000
86 000
Total tax
34 104
32 336
37 186
36 420
After tax
51 896
53 664
48 814
49 580
Living cost
10 764
10 764
10 764
10 764
Free-cash
41 132
42 900
38 050
38 816

Estimated living cost  is ₽10764 per week

₽6396
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽873
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽247
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.
₽3248
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
₽23601
₽25270
₽35405
₽32760
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
-
-
-
16 495
health
-
-
-
6 106
unemployment
-
-
-
189
surtax
-
-
-
2 051
pensions
-
-
-
17 200
other
-
-
-
-
total
-
-
-
42 041
Employee
28 020
-
71 046
-
other
-
-
-
-
income
4 697
-
15 403
-
health
715
-
1 811
-
unemployment
1 950
-
4 945
-
surtax
99
-
1 858
-
pensions
1 869
-
4 738
-
total
9 330
-
28 755
-
Employer
28 020
-
71 046
-
unemployment
889
-
2 252
-
pensions
3 736
-
9 471
-
other
-
-
-
-
health
1 274
-
3 232
-
total
5 899
-
14 955
-
Corporate
52 081
86 000
-
-
income
13 541
22 360
-
-
total
13 541
22 360
-
-
Dividends
38 539
63 640
-
-
withholding
5 781
9 546
-
-
total
5 781
9 546
-
-
Income
86 000
86 000
86 000
86 000
Total tax
34 551
31 906
43 710
42 041
After tax
51 449
54 094
42 290
43 959
Living cost
18 689
18 689
18 689
18 689
Free-cash
32 760
35 405
23 601
25 270

Estimated living cost  is ₽18689 per week

₽11283
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1625
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽434
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.
₽5348
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
-₽786
₽16935
₽21703
₽21296
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
-
-
-
14 583
chamber of commerce
-
-
-
344
health
-
-