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
₽ 87000
per

Your estimated
City
free-cash

Valencia , Spain
₽32939
₽23763
₽25923
₽37048
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
-
-
-
87 000
unemployment
-
-
-
509
income
-
-
-
17 734
other
-
-
-
73
accident
-
-
-
654
pensions
-
-
-
20 556
total
-
-
-
39 526
Employee
28 978
-
65 969
-
unemployment
449
-
1 023
-
pensions
1 362
-
3 101
-
income
5 587
-
16 466
-
other
28
-
65
-
total
7 426
-
20 655
-
Employer
28 978
-
65 969
-
pensions
6 838
-
15 568
-
accident
574
-
1 306
-
unemployment
1 594
-
3 629
-
other
232
-
528
-
total
9 238
-
21 031
-
Corporate
48 783
87 000
-
-
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.

7 317
13 050
-
-
total
7 317
13 050
-
-
Dividends
41 466
73 950
-
-
withholding
8 529
15 351
-
-
total
8 529
15 351
-
-
Income
87 000
87 000
87 000
87 000
Total tax
32 510
28 401
41 686
39 526
After tax
54 490
58 599
45 314
47 474
Living cost
21 551
21 551
21 551
21 551
Free-cash
32 939
37 048
23 763
25 923

Estimated living cost  is ₽21551 per week

₽14547
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2072
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽378
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.
₽4555
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
₽37743
₽29650
₽26052
₽43035
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
-
-
-
87 000
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.

-
-
-
20 881
income
-
-
-
11 223
other
-
-
-
4 133
health
-
-
-
3 828
total
-
-
-
40 065
Employee
28 456
-
69 489
-
health
399
-
973
-
unemployment
284
-
695
-
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.

1 991
-
4 865
-
income
4 899
-
12 423
-
total
7 573
-
18 956
-
Employer
28 456
-
69 489
-
health
399
-
973
-
pensions

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

4 838
-
11 813
-
accident
228
-
556
-
unemployment
284
-
695
-
other
1 423
-
3 474
-
total
7 172
-
17 511
-
Corporate
51 373
87 000
-
-
income
10 788
18 271
-
-
total
10 788
18 271
-
-
Dividends
40 585
68 729
-
-
withholding
2 841
4 811
-
-
total
2 841
4 811
-
-
Income
87 000
87 000
87 000
87 000
Total tax
28 374
23 082
36 467
40 065
After tax
58 626
63 918
50 533
46 935
Living cost
20 883
20 883
20 883
20 883
Free-cash
37 743
43 035
29 650
26 052

Estimated living cost  is ₽20883 per week

₽14755
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1410
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽336
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.
₽4381
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
₽60474
₽59236
₽56374
₽64114
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
-
-
-
87 000
pensions

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

-
-
-
4 050
unemployment
-
-
-
109
income
-
-
-
13 050
health
-
-
-
3 147
total
-
-
-
20 356
Employee
13 600
-
81 632
-
health
626
-
1 259
-
accident

We are using the highest rate at 1.1%.

150
-
301
-
pensions

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

1 194
-
2 403
-
income
1 360
-
8 163
-
total
3 330
-
12 126
-
Employer
13 600
-
81 632
-
health
939
-
1 888
-
pensions

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

1 499
-
3 015
-
accident

We are using the highest rate at 1.1%.

150
-
301
-
unemployment
81
-
164
-
total
2 669
-
5 368
-
Corporate
70 732
87 000
-
-
income
7 073
8 700
-
-
total
7 073
8 700
-
-
Dividends
63 659
78 300
-
-
withholding
3 183
3 915
-
-
total
3 183
3 915
-
-
Income
87 000
87 000
87 000
87 000
Total tax
16 255
12 615
17 494
20 356
After tax
70 745
74 385
69 506
66 644
Living cost
10 270
10 270
10 270
10 270
Free-cash
60 474
64 114
59 236
56 374

Estimated living cost  is ₽10270 per week

₽5996
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽733
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽272
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.
₽3269
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
₽21664
₽26636
₽23043
₽17035
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
-
-
-
87 000
income
-
-
-
9 507
other
-
-
-
2 696
health
-
-
-
2 085
social contributions
-
-
-
2 478
pensions
-
-
-
20 378
surtax
-
-
-
-
total
-
-
-
37 144
Employee
33 541
-
70 117
-
pensions
3 792
-
3 656
-
income
1 980
-
11 012
-
social contributions
956
-
1 999
-
surtax
-
-
-
-
total
6 728
-
16 667
-
Employer
33 541
-
70 117
-
health
2 348
-
5 043
-
social contributions
101
-
210
-
pensions
5 510
-
6 372
-
unemployment
1 358
-
2 839
-
other
1 157
-
2 420
-
total
10 474
-
16 884
-
Corporate
42 984
87 000
-
-
income
12 036
24 359
-
-
surtax
-
-
-
-
total
12 036
24 359
-
-
Dividends
30 948
62 641
-
-
social contributions
5 323
10 775
-
-
surtax
-
-
-
-
withholding
3 962
8 018
-
-
total
9 285
18 793
-
-
Income
87 000
87 000
87 000
87 000
Total tax
38 523
43 152
33 551
37 144
After tax
48 477
43 848
53 449
49 856
Living cost
26 813
26 813
26 813
26 813
Free-cash
21 664
17 035
26 636
23 043

Estimated living cost  is ₽26813 per week

₽16907
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2180
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.
₽7271
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
₽4680
₽11925
₽16721
₽9482
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
-
-
-
87 000
pensions
-
-
-
9 182
income
-
-
-
18 602
health
-
-
-
9 664
total
-
-
-
37 448
Employee
66 925
66 925
74 036
-
health
10 272
8 737
9 143
-
pensions
12 047
9 182
9 182
-
income

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

10 955
10 955
10 955
-
total
33 274
28 874
29 280
-
Employer
66 925
66 925
74 036
-
health
4 652
4 652
5 146
-
pensions
4 658
4 658
5 153
-
unemployment
2 409
2 409
2 665
-
total
11 719
11 719
12 964
-
Corporate
9 176
8 355
-
-
income
1 835
1 672
-
-
total
1 835
1 672
-
-
Dividends
7 341
6 684
-
-
income
1 560
1 420
-
-
withholding
1 101
1 002
-
-
total
2 661
2 422
-
-
Income
87 000
87 000
87 000
87 000
Total tax
49 489
44 687
42 244
37 448
After tax
37 511
42 313
44 756
49 552
Living cost
32 831
32 831
32 831
32 831
Free-cash
4 680
9 482
11 925
16 721

Estimated living cost  is ₽32831 per week

₽23266
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2960
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.
₽6083
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
₽28895
₽37020
₽29056
₽20225
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.

-
-
-
87 000
trade
-
-
-
7 964
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.

-
-
-
19 799
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.

-
-
-
5 354
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.

-
-
-
1 089
total
-
-
-
34 206
Employee

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

29 975
-
87 000
-
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.

5 354
-
5 354
-
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.

837
-
19 799
-
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.

46
-
1 089
-
total
6 237
-
26 242
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
57 025
87 000
-
-
income
8 553
13 050
-
-
trade
8 981
13 702
-
-
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.

470
718
-
-
chamber of commerce
201
244
-
-
total
18 205
27 714
-
-
Dividends
38 820
59 285
-
-
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.

518
799
-
-
withholding
9 407
14 524
-
-
total
9 925
15 323
-
-
Income
87 000
87 000
87 000
87 000
Total tax
34 367
43 037
26 242
34 206
After tax
52 633
43 963
60 758
52 794
Living cost
23 738
23 738
23 738
23 738
Free-cash
28 895
20 225
37 020
29 056

Estimated living cost  is ₽23738 per week

₽14932
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2768
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽443
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.
₽5595
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
₽41224
₽42308
₽43019
₽45488
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
-
-
-
87 000
income
-
-
-
10 937
health
-
-
-
2 219
social contributions
-
-
-
12 680
total
-
-
-
25 836
Employee
60 263
60 263
78 984
-
health
467
1 025
1 343
-
income
6 562
5 579
10 632
-
social contributions
2 278
5 002
6 556
-
total
9 307
11 606
18 531
-
Employer
60 263
60 263
78 984
-
health
507
1 115
1 460
-
social contributions
2 278
5 002
6 556
-
total
2 785
6 117
8 016
-
Corporate
56 762
20 620
-
-
income
7 096
2 577
-
-
total
7 096
2 577
-
-
Dividends
49 667
18 042
-
-
withholding
8 443
3 067
-
-
total
8 443
3 067
-
-
Income
87 000
87 000
87 000
87 000
Total tax
27 631
23 367
26 547
25 836
After tax
59 369
63 633
60 453
61 164
Living cost
18 145
18 145
18 145
18 145
Free-cash
41 224
45 488
42 308
43 019

Estimated living cost  is ₽18145 per week

₽10875
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1780
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽402
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.
₽5089
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
₽24115
₽18689
₽23659
₽24902
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.

-
-
-
87 000
income
-
-
-
8 527
social contributions

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

-
-
-
30 232
surtax
-
-
-
-
total
-
-
-
38 759
Employee
36 044
-
70 303
-
income
7 497
-
19 298
-
social contributions
3 965
-
7 734
-
surtax
-
-
-
-
total
11 462
-
27 032
-
Employer
36 044
-
70 303
-
social contributions
8 560
-
16 697
-
total
8 560
-
16 697
-
Corporate
42 395
87 000
-
-
income
8 903
18 271
-
-
surtax
-
-
-
-
total
8 903
18 271
-
-
Dividends
33 493
68 729
-
-
withholding
9 378
19 245
-
-
total
9 378
19 245
-
-
Income
87 000
87 000
87 000
87 000
Total tax
38 303
37 516
43 729
38 759
After tax
48 697
49 484
43 271
48 241
Living cost
24 582
24 582
24 582
24 582
Free-cash
24 115
24 902
18 689
23 659

Estimated living cost  is ₽24582 per week

₽18393
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1450
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽410
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.
₽4329
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
₽75438
₽63526
₽80056
₽76576
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%.

-
-
-
87 000
microenterprise

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

-
-
-
870
total
-
-
-
870
Employee
7 592
-
87 000
-
income
1 518
-
17 400
-
total
1 518
-
17 400
-
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%.

79 408
87 000
-
-
total
-
-
-
-
Dividends
79 408
87 000
-
-
withholding
3 970
4 350
-
-
total
3 970
4 350
-
-
Income
87 000
87 000
87 000
87 000
Total tax
5 488
4 350
17 400
870
After tax
81 512
82 650
69 600
86 130
Living cost
6 074
6 074
6 074
6 074
Free-cash
75 438
76 576
63 526
80 056

Estimated living cost  is ₽6074 per week

₽3764
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽505
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽167
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.
₽1638
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
₽32324
₽21118
₽23613
₽38878
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.

-
-
-
87 000
pensions
-
-
-
15 888
unemployment
-
-
-
131
income
-
-
-
17 787
health
-
-
-
8 560
total
-
-
-
42 366
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.

34 656
-
75 279
-
health
2 238
-
4 863
-
unemployment
49
-
106
-
pensions
5 372
-
11 669
-
income
5 976
-
16 502
-
total
13 635
-
33 140
-
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.

34 656
-
75 279
-
health
2 308
-
5 013
-
pensions
3 067
-
6 663
-
unemployment
21
-
45
-
total
5 396
-
11 721
-
Corporate
46 949
87 000
-
-
income
8 920
16 531
-
-
total
8 920
16 531
-
-
Dividends
38 028
70 469
-
-
withholding
5 704
10 570
-
-
total
5 704
10 570
-
-
Income
87 000
87 000
87 000
87 000
Total tax
33 655
27 101
44 861
42 366
After tax
53 345
59 899
42 139
44 634
Living cost
21 021
21 021
21 021
21 021
Free-cash
32 324
38 878
21 118
23 613

Estimated living cost  is ₽21021 per week

₽14426
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1347
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽408
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.
₽4841
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
₽26700
₽35579
₽31288
₽23961
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.

-
-
-
87 000
income
-
-
-
22 308
health

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

-
-
-
4 955
total
-
-
-
27 263
Employee
35 952
-
83 395
-
social contributions
3 602
-
3 605
-
income
3 901
-
15 762
-
total
7 503
-
19 367
-
Employer
35 952
-
83 395
-
social contributions
3 602
-
3 605
-
total
3 602
-
3 605
-
Corporate
47 446
87 000
-
-
income
16 606
30 450
-
-
total
16 606
30 450
-
-
Dividends
30 840
56 550
-
-
social contributions
4 140
4 140
-
-
total
4 140
4 140
-
-
Income
87 000
87 000
87 000
87 000
Total tax
31 851
34 590
22 972
27 263
After tax
55 149
52 410
64 028
59 737
Living cost
28 449
28 449
28 449
28 449
Free-cash
26 700
23 961
35 579
31 288

Estimated living cost  is ₽28449 per week

₽18739
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2243
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.
₽7030
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
₽36865
₽38959
₽39254
₽36459
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
-
-
-
87 000
income
-
-
-
13 050
health
-
-
-
6 072
social contributions
-
-
-
12 006
total
-
-
-
31 128
Employee
26 572
-
87 000
-
health
1 855
-
6 072
-
income
4 432
-
13 345
-
social contributions
3 668
-
12 006
-
total
9 955
-
31 423
-
Employer
26 572
-
87 000
-
total
-
-
-
-
Corporate
60 428
87 000
-
-
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%.

3 022
4 350
-
-
total
3 022
4 350
-
-
Dividends
57 406
82 650
-
-
social contributions
7 922
11 406
-
-
withholding
8 611
12 398
-
-
health
4 007
5 769
-
-
total
20 540
29 573
-
-
Income
87 000
87 000
87 000
87 000
Total tax
33 517
33 923
31 423
31 128
After tax
53 483
53 077
55 577
55 872
Living cost
16 618
16 618
16 618
16 618
Free-cash
36 865
36 459
38 959
39 254

Estimated living cost  is ₽16618 per week

₽11121
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1025
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽382
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4088
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
₽30138
₽22213
₽20436
₽37962
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
-
-
-
87 000
income
-
-
-
7 478
health
-
-
-
11 745
social contributions
-
-
-
25 404
solidarity contribution
-
-
-
-
total
-
-
-
44 627
Employee
32 261
-
64 925
-
health
4 355
-
8 765
-
solidarity contribution
-
-
-
-
income
3 871
-
7 791
-
social contributions
2 097
-
4 220
-
total
10 323
-
20 776
-
Employer
32 261
-
64 925
-
health
2 903
-
5 843
-
social contributions
8 065
-
16 231
-
total
10 968
-
22 074
-
Corporate
43 771
87 000
-
-
income
8 316
16 530
-
-
total
8 316
16 530
-
-
Dividends
35 454
70 470
-
-
withholding
5 318
10 571
-
-
total
5 318
10 571
-
-
Income
87 000
87 000
87 000
87 000
Total tax
34 925
27 101
42 850
44 627
After tax
52 075
59 899
44 150
42 373
Living cost
21 937
21 937
21 937
21 937
Free-cash
30 138
37 962
22 213
20 436

Estimated living cost  is ₽21937 per week

₽16314
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1215
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽380
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.
₽4029
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
₽71411
₽60135
₽76665
₽73185
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%.

-
-
-
87 000
microenterprise

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

-
-
-
870
total
-
-
-
870
Employee
11 832
-
87 000
-
income
2 366
-
17 400
-
total
2 366
-
17 400
-
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%.

75 168
87 000
-
-
total
-
-
-
-
Dividends
75 168
87 000
-
-
withholding
3 758
4 350
-
-
total
3 758
4 350
-
-
Income
87 000
87 000
87 000
87 000
Total tax
6 124
4 350
17 400
870
After tax
80 876
82 650
69 600
86 130
Living cost
9 465
9 465
9 465
9 465
Free-cash
71 411
73 185
60 135
76 665

Estimated living cost  is ₽9465 per week

₽6405
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽397
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽317
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.
₽2345
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
₽11383
₽15597
₽12004
₽5996
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
-
-
-
87 000
income
-
-
-
9 507
other
-
-
-
2 696
health
-
-
-
2 085
social contributions
-
-
-
2 478
pensions
-
-
-
20 378
surtax
-
-
-
-
total
-
-
-
37 144
Employee
49 085
-
70 117
-
pensions
5 552
-
3 656
-
income
4 283
-
11 012
-
social contributions
1 398
-
1 999
-
surtax
-
-
-
-
total
11 233
-
16 667
-
Employer
49 085
-
70 117
-
health
3 435
-
5 043
-
social contributions
147
-
210
-
pensions
8 065
-
6 372
-
unemployment
1 988
-
2 839
-
other
1 694
-
2 420
-
total
15 329
-
16 884
-
Corporate
22 585
87 000
-
-
income
6 324
24 359
-
-
surtax
-
-
-
-
total
6 324
24 359
-
-
Dividends
16 261
62 641
-
-
social contributions
2 797
10 775
-
-
surtax
-
-
-
-
withholding
2 082
8 018
-
-
total
4 879
18 793
-
-
Income
87 000
87 000
87 000
87 000
Total tax
37 765
43 152
33 551
37 144
After tax
49 235
43 848
53 449
49 856
Living cost
37 852
37 852
37 852
37 852
Free-cash
11 383
5 996
15 597
12 004

Estimated living cost  is ₽37852 per week

₽25618
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3096
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽519
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.
₽8618
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
₽45500
₽33587
₽33587
₽49345
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.

-
-
-
87 000
pensions
-
-
-
15 013
unemployment
-
-
-
866
income
-
-
-
18 074
health
-
-
-
5 948
total
-
-
-
39 901
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.

20 376
-
76 664
-
health
1 049
-
2 974
-
unemployment
153
-
433
-
pensions
2 853
-
8 084
-
income
2 809
-
18 074
-
total
6 864
-
29 565
-
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.

20 376
-
76 664
-
health
1 049
-
2 974
-
pensions
2 445
-
6 929
-
unemployment
153
-
433
-
total
3 647
-
10 336
-
Corporate
62 977
87 000
-
-
income
9 447
13 050
-
-
total
9 447
13 050
-
-
Dividends
53 531
73 950
-
-
withholding
8 030
11 093
-
-
total
8 030
11 093
-
-
Income
87 000
87 000
87 000
87 000
Total tax
27 988
24 143
39 901
39 901
After tax
59 012
62 857
47 099
47 099
Living cost
13 512
13 512
13 512
13 512
Free-cash
45 500
49 345
33 587
33 587

Estimated living cost  is ₽13512 per week

₽9098
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1045
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽391
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2978
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
₽9295
₽14241
₽18549
-₽13506
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
-
-
-
87 000
pensions
-
-
-
8 004
city
-
-
-
917
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.

-
-
-
1 740
health
-
-
-
196
regional
-
-
-
3 463
national
-
-
-
842
total
-
-
-
15 162
Employee
62 361
-
77 870
-
health
141
-
175
-
unemployment
-
-
-
-
city
669
-
836
-
pensions
5 239
-
6 541
-
regional
2 042
-
2 986
-
national
295
-
658
-
total
8 386
-
11 196
-
Employer
62 361
-
77 870
-
health
141
-
175
-
pensions
5 239
-
6 541
-
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.

1 247
-
1 558
-
total
6 627
-
8 274
-
Corporate
17 326
87 000
-
-
regional
3 664
18 400
-
-
national
1 473
7 395
-
-
total
5 137
25 795
-
-
Dividends
12 189
61 205
-
-
withholding
4 266
21 422
-
-
total
4 266
21 422
-
-
Income
87 000
87 000
87 000
87 000
Total tax
24 416
47 217
19 470
15 162
After tax
62 584
39 783
67 530
71 838
Living cost
53 289
53 289
53 289
53 289
Free-cash
9 295
-13 506
14 241
18 549

Estimated living cost  is ₽53289 per week

₽34653
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4782
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽654
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.
₽13199
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
₽26284
₽18792
₽30724
₽27098
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

-
-
-
87 000
municipal
-
-
-
15 478
health
-
-
-
1 013
national
-
-
-
9 696
total
-
-
-
26 187
Employee
41 232
-
73 190
-
health
308
-
800
-
unemployment
619
-
1 098
-
pensions
2 783
-
4 941
-
national
681
-
5 525
-
municipal
6 754
-
11 944
-
total
11 145
-
24 308
-
Employer
41 232
-
73 190
-
health
317
-
564
-
pensions
7 154
-
12 698
-
accident
42
-
73
-
unemployment
268
-
476
-
total
7 781
-
13 811
-
Corporate
37 988
87 000
-
-
income
7 598
17 401
-
-
total
7 598
17 401
-
-
Dividends

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

22 792
52 200
-
-
municipal
4 103
9 396
-
-
national
-
3 016
-
-
total
4 103
12 412
-
-
Income
87 000
87 000
87 000
87 000
Total tax
30 627
29 813
38 119
26 187
After tax
56 373
57 187
48 881
60 813
Living cost
30 089
30 089
30 089
30 089
Free-cash
26 284
27 098
18 792
30 724

Estimated living cost  is ₽30089 per week

₽19654
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2894
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽479
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7063
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
₽8434
₽4825
₽11233
₽20186
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
-
-
-
87 000
communal

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

-
-
-
4 378
social contributions
-
-
-
14 038
national
-
-
-
28 776
total
-
-
-
47 192
Employee

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

56 059
-
67 383
-
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.

2 634
-
3 166
-
communal

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

2 924
-
3 514
-
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.

488
-
586
-
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.

4 204
-
5 054
-
national
17 235
-
21 665
-
total
27 485
-
33 985
-
Employer

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

56 059
-
67 383
-
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.

3 447
-
4 145
-
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.

4 967
-
5 970
-
surtax
6 356
-
7 641
-
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.

729
-
876
-
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.

818
-
983
-
total
16 317
-
19 615
-
Corporate
14 623
87 000
-
-
income
2 925
17 401
-
-
surtax
58
348
-
-
total
2 983
17 749
-
-
Dividends
11 640
69 251
-
-
withholding

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

3 206
20 490
-
-
total
3 206
20 490
-
-
Income
87 000
87 000
87 000
87 000
Total tax
49 991
38 239
53 600
47 192
After tax
37 009
48 761
33 400
39 808
Living cost
28 575
28 575
28 575
28 575
Free-cash
8 434
20 186
4 825
11 233

Estimated living cost  is ₽28575 per week

₽18406
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2499
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽448
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7223
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
₽12726
₽12448
₽11888
₽13489
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
-
-
-
87 000
unemployment
-
-
-
75
municipal
-
-
-
19 504
other
-
-
-
8 662
health
-
-
-
4 651
national
-
-
-
-
accident
-
-
-
149
pensions
-
-
-
8 058
total
-
-
-
41 099
Employee
48 465
-
66 200
-
national
-
-
-
-
municipal
14 452
-
19 741
-
total
14 452
-
19 741
-
Employer
48 465
-
66 200
-
health
2 981
-
4 071
-
pensions
5 239
-
7 156
-
accident
97
-
132
-
unemployment
1 279
-
1 748
-
other
5 632
-
7 692
-
total
15 228
-
20 799
-
Corporate
23 308
87 000
-
-
income
5 128
19 140
-
-
total
5 128
19 140
-
-
Dividends
18 180
67 860
-
-
withholding
5 454
20 358
-
-
total
5 454
20 358
-
-
Income
87 000
87 000
87 000
87 000
Total tax
40 262
39 498
40 540
41 099
After tax
46 738
47 502
46 460
45 901
Living cost
34 012
34 012
34 012
34 012
Free-cash
12 726
13 489
12 448
11 888

Estimated living cost  is ₽34012 per week

₽22542
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3338
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽517
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.
₽7616
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
-₽43888
₽37574
₽22247
₽15054
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
-
-
-
87 000
income
-
-
-
16 958
social contributions
-
-
-
9 918
total
-
-
-
26 876
Employee
54 310
-
-
-
income
11 980
-
-
-
social contributions
4 453
-
635
-
total
16 433
-
635
-
Employer
54 310
-
-
-
social contributions
76 578
-
10 914
-
total
76 578
-
10 914
-
Corporate
-
87 000
-
-
income
-
19 140
-
-
total
-
19 140
-
-
Dividends
-
67 860
-
-
income
-
14 929
-
-
total
-
14 929
-
-
Income
87 000
87 000
87 000
87 000
Total tax
93 011
34 069
11 549
26 876
After tax
-6 011
52 931
75 451
60 124
Living cost
37 877
37 877
37 877
37 877
Free-cash
-43 888
15 054
37 574
22 247

Estimated living cost  is ₽37877 per week

₽24576
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3562
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽483
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.
₽9256
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
₽34967
₽35034
₽35745
₽38214
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
-
-
-
87 000
income
-
-
-
10 937
health
-
-
-
2 219
social contributions
-
-
-
12 680
total
-
-
-
25 836
Employee
60 263
60 263
78 984
-
health
599
1 025
1 343
-
income
6 328
5 579
10 632
-
social contributions
2 928
5 002
6 556
-
total
9 855
11 606
18 531
-
Employer
60 263
60 263
78 984
-
health
653
1 115
1 460
-
social contributions
2 928
5 002
6 556
-
total
3 581
6 117
8 016
-
Corporate
48 143
20 620
-
-
income
6 017
2 577
-
-
total
6 017
2 577
-
-
Dividends
42 126
18 042
-
-
withholding
7 161
3 067
-
-
total
7 161
3 067
-
-
Income
87 000
87 000
87 000
87 000
Total tax
26 614
23 367
26 547
25 836
After tax
60 386
63 633
60 453
61 164
Living cost
25 419
25 419
25 419
25 419
Free-cash
34 967
38 214
35 034
35 745

Estimated living cost  is ₽25419 per week

₽17377
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1985
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽427
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5631
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
₽32775
₽24977
₽33045
₽33820
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
-
-
-
87 000
income
-
-
-
19 933
pensions
-
-
-
5 886
total
-
-
-
25 819
Employee
38 621
-
76 429
-
health
504
-
1 280
-
pensions
2 948
-
7 485
-
income
7 033
-
14 553
-
total
10 485
-
23 318
-
Employer
38 621
-
76 429
-
health
734
-
1 451
-
pensions
3 902
-
9 118
-
total
4 636
-
10 569
-
Corporate
43 743
87 000
-
-
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.

8 311
16 530
-
-
total
8 311
16 530
-
-
Dividends
35 432
70 470
-
-
withholding
2 657
8 514
-
-
total
2 657
8 514
-
-
Income
87 000
87 000
87 000
87 000
Total tax
26 089
25 044
33 887
25 819
After tax
60 911
61 956
53 113
61 181
Living cost
28 136
28 136
28 136
28 136
Free-cash
32 775
33 820
24 977
33 045

Estimated living cost  is ₽28136 per week

₽19301
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2587
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽352
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.
₽5894
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
₽11041
₽7942
₽11919
₽14603
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
-
-
-
87 000
municipal
-
-
-
582
regional
-
-
-
1 817
social contributions
-
-
-
22 377
national
-
-
-
19 084
total
-
-
-
43 860
Employee
66 040
-
87 000
-
social contributions
22 268
-
29 337
-
regional
997
-
1 543
-
national
11 160
-
16 438
-
municipal
394
-
519
-
total
34 819
-
47 837
-
Employer
66 040
-
87 000
-
total
-
-
-
-
Corporate
20 960
87 000
-
-
nationa
5 030
20 881
-
-
municipal
1 010
4 194
-
-
total
6 040
25 075
-
-
Dividends
14 920
61 925
-
-
withholding
3 879
16 101
-
-
total
3 879
16 101
-
-
Income
87 000
87 000
87 000
87 000
Total tax
44 738
41 176
47 837
43 860
After tax
42 262
45 824
39 163
43 140
Living cost
31 221
31 221
31 221
31 221
Free-cash
11 041
14 603
7 942
11 919

Estimated living cost  is ₽31221 per week

₽21931
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2148
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.
₽6670
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
₽4478
₽28868
₽42906
-₽9690
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
-
-
-
87 000
pensions
-
-
-
3 165
income
-
-
-
22 059
other
-
-
-
282
health
-
-
-
1 659
accident
-
-
-
192
total
-
-
-
27 357
Employee
26 328
-
75 508
-
health
3 015
-
8 646
-
pensions
2 965
-
5 804
-
income
3 612
-
15 453
-
total
9 592
-
29 903
-
Employer
26 328
-
75 508
-
pensions
4 281
-
8 381
-
accident
440
-
1 261
-
unemployment
645
-
1 850
-
total
5 366
-
11 492
-
Corporate
55 307
87 000
-
-
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.

49 776
78 300
-
-
total
49 776
78 300
-
-
Dividends
5 531
8 700
-
-
withholding
1 051
1 653
-
-
total
1 051
1 653
-
-
Income
87 000
87 000
87 000
87 000
Total tax
65 785
79 953
41 395
27 357
After tax
21 215
7 047
45 605
59 643
Living cost
16 737
16 737
16 737
16 737
Free-cash
4 478
-9 690
28 868
42 906

Estimated living cost  is ₽16737 per week

₽12267
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽927
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽349
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.
₽3194
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
₽24854
₽30501
₽23245
₽14601
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.

-
-
-
87 000
trade
-
-
-
7 256
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.

-
-
-
19 799
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.

-
-
-
5 354
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.

-
-
-
1 089
total
-
-
-
33 498
Employee

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

38 994
-
87 000
-
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.

5 354
-
5 354
-
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.

3 206
-
19 799
-
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.

177
-
1 089
-
total
8 737
-
26 242
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
48 006
87 000
-
-
income
7 201
13 050
-
-
trade
6 889
12 484
-
-
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.

396
718
-
-
chamber of commerce
189
247
-
-
total
14 675
26 499
-
-
Dividends
33 331
60 501
-
-
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.

442
815
-
-
withholding
8 035
14 828
-
-
total
8 477
15 643
-
-
Income
87 000
87 000
87 000
87 000
Total tax
31 889
42 142
26 242
33 498
After tax
55 111
44 858
60 758
53 502
Living cost
30 257
30 257
30 257
30 257
Free-cash
24 854
14 601
30 501
23 245

Estimated living cost  is ₽30257 per week

₽20872
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3256
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽439
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.
₽5690
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
₽46869
₽32635
₽30042
₽53295
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.

-
-
-
87 000
income
-
-
-
12 684
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.

-
-
-
27 970
surtax
-
-
-
-
total
-
-
-
40 654
Employee
22 900
-
70 110
-
income
4 076
-
13 459
-
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.

2 519
-
7 713
-
surtax
-
-
-
-
total
6 595
-
21 172
-
Employer
22 900
-
70 110
-
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.

5 516
-
16 889
-
surtax
-
-
-
-
total
5 516
-
16 889
-
Corporate
58 584
87 000
-
-
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%.

11 716
17 401
-
-
total
11 716
17 401
-
-
Dividends

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

46 867
69 599
-
-
total
-
-
-
-
Income
87 000
87 000
87 000
87 000
Total tax
23 827
17 401
38 061
40 654
After tax
63 173
69 599
48 939
46 346
Living cost
16 304
16 304
16 304
16 304
Free-cash
46 869
53 295
32 635
30 042

Estimated living cost  is ₽16304 per week

₽10402
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1553
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽370
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3980
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
₽42944
₽40392
₽41086
₽44545
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
-
-
-
87 000
income
-
-
-
23 912
health
-
-
-
5 152
pensions
-
-
-
7 107
total
-
-
-
36 171
Employee
14 840
-
79 005
-
health
742
-
1 777
-
unemployment
148
-
355
-
pensions
1 336
-
3 198
-
income
2 871
-
23 539
-
total
5 097
-
28 869
-
Employer
14 840
-
79 005
-
health
1 410
-
3 376
-
pensions
1 632
-
3 909
-
unemployment
297
-
711
-
total
3 339
-
7 996
-
Corporate
68 821
87 000
-
-
income
15 141
19 140
-
-
total
15 141
19 140
-
-
Dividends
53 681
67 860
-
-
withholding
10 736
13 572
-
-
total
10 736
13 572
-
-
Income
87 000
87 000
87 000
87 000
Total tax
34 313
32 712
36 865
36 171
After tax
52 687
54 288
50 135
50 829
Living cost
9 743
9 743
9 743
9 743
Free-cash
42 944
44 545
40 392
41 086

Estimated living cost  is ₽9743 per week

₽5790
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽790
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽223
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.
₽2940
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
₽34626
₽24508
₽25935
₽37121
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
-
-
-
87 000
pensions
-
-
-
17 401
unemployment
-
-
-
178
income
-
-
-
17 454
other
-
-
-
-
health
-
-
-
6 176
surtax
-
-
-
2 253
total
-
-
-
43 462
Employee
26 392
-
71 870
-
health
674
-
1 832
-
unemployment
1 837
-
5 002
-
pensions
1 761
-
4 793
-
income
4 425
-
16 104
-
other
-
-
-
-
surtax
94
-
2 029
-
total
8 791
-
29 760
-
Employer
26 392
-
71 870
-
health
1 200
-
3 270
-
pensions
3 519
-
9 581
-
unemployment
837
-
2 278
-
other
-
-
-
-
total
5 556
-
15 129
-
Corporate
55 051
87 000
-
-
income
14 313
22 619
-
-
total
14 313
22 619
-
-
Dividends
40 738
64 381
-
-
withholding
6 111
9 657
-
-
total
6 111
9 657
-
-
Income
87 000
87 000
87 000
87 000
Total tax
34 771
32 276
44 889
43 462
After tax
52 229
54 724
42 111
43 538
Living cost
17 603
17 603
17 603
17 603
Free-cash
34 626
37 121
24 508
25 935

Estimated living cost  is ₽17603 per week

₽10628
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1530
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽409
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.
₽5037
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
₽23316
₽310
₽18495
₽23704
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
-
-
-
87 000
pensions
-
-
-
16 095
chamber of commerce
-
-
-
348
unemployment
-