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
₽ 89000
per

Your estimated
City
free-cash

Valencia , Spain
₽22878
₽23791
₽35881
₽31288
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
-
-
-
89 000
income
-
-
-
16 776
accident
-
-
-
731
unemployment
-
-
-
568
pensions
-
-
-
22 971
other
-
-
-
81
total
-
-
-
41 127
Employee
32 381
-
67 485
-
other
32
-
68
-
income
6 243
-
16 241
-
unemployment
502
-
1 045
-
pensions
1 522
-
3 173
-
total
8 299
-
20 527
-
Employer
32 381
-
67 485
-
unemployment
1 782
-
3 711
-
pensions
7 641
-
15 926
-
other
259
-
540
-
accident
641
-
1 336
-
total
10 323
-
21 513
-
Corporate
46 295
89 000
-
-
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.

6 945
13 350
-
-
total
6 945
13 350
-
-
Dividends
39 350
75 650
-
-
withholding
8 063
15 687
-
-
total
8 063
15 687
-
-
Income
89 000
89 000
89 000
89 000
Total tax
33 630
29 037
42 040
41 127
After tax
55 370
59 963
46 960
47 873
Living cost
24 082
24 082
24 082
24 082
Free-cash
31 288
35 881
22 878
23 791

Estimated living cost  is ₽24082 per week

₽16255
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2315
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽422
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5090
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Bratislava , Slovakia
₽28674
₽24858
₽42052
₽36141
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
-
-
-
89 000
income
-
-
-
11 304
health
-
-
-
3 915
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.

-
-
-
21 360
other
-
-
-
4 228
total
-
-
-
40 807
Employee
31 797
-
71 087
-
income
5 474
-
12 396
-
health
445
-
995
-
unemployment
317
-
711
-
pensions

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

2 225
-
4 976
-
total
8 461
-
19 078
-
Employer
31 797
-
71 087
-
unemployment
317
-
711
-
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.

5 406
-
12 084
-
other
1 590
-
3 555
-
accident
254
-
568
-
health
445
-
995
-
total
8 012
-
17 913
-
Corporate
49 189
89 000
-
-
income
10 330
18 690
-
-
total
10 330
18 690
-
-
Dividends
38 859
70 310
-
-
withholding
2 721
4 923
-
-
total
2 721
4 923
-
-
Income
89 000
89 000
89 000
89 000
Total tax
29 524
23 613
36 991
40 807
After tax
59 476
65 387
52 009
48 193
Living cost
23 335
23 335
23 335
23 335
Free-cash
36 141
42 052
28 674
24 858

Estimated living cost  is ₽23335 per week

₽16488
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1575
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽376
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4896
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
₽58867
₽56075
₽64656
₽60602
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
-
-
-
89 000
income
-
-
-
13 350
health
-
-
-
3 504
unemployment
-
-
-
122
pensions

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

-
-
-
4 510
total
-
-
-
21 486
Employee
15 146
-
83 021
-
income
1 514
-
8 302
-
health
697
-
1 402
-
accident

We are using the highest rate at 1.1%.

167
-
335
-
pensions

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

1 330
-
2 676
-
total
3 708
-
12 715
-
Employer
15 146
-
83 021
-
unemployment
91
-
183
-
pensions

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

1 669
-
3 358
-
accident

We are using the highest rate at 1.1%.

167
-
335
-
health
1 045
-
2 103
-
total
2 972
-
5 979
-
Corporate
70 882
89 000
-
-
income
7 089
8 900
-
-
total
7 089
8 900
-
-
Dividends
63 793
80 100
-
-
withholding
3 190
4 005
-
-
total
3 190
4 005
-
-
Income
89 000
89 000
89 000
89 000
Total tax
16 959
12 905
18 694
21 486
After tax
72 041
76 095
70 306
67 514
Living cost
11 439
11 439
11 439
11 439
Free-cash
60 602
64 656
58 867
56 075

Estimated living cost  is ₽11439 per week

₽6678
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽817
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽303
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.
₽3641
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
₽26032
₽21247
₽14893
₽20067
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
-
-
-
89 000
income
-
-
-
8 676
social contributions
-
-
-
2 536
health
-
-
-
1 727
surtax
-
-
-
-
pensions
-
-
-
22 090
other
-
-
-
2 762
total
-
-
-
37 791
Employee
37 480
-
72 207
-
income
2 212
-
10 692
-
social contributions
1 069
-
2 057
-
surtax
-
-
-
-
pensions
4 238
-
3 463
-
total
7 519
-
16 212
-
Employer
37 480
-
72 207
-
unemployment
1 517
-
2 925
-
social contributions
113
-
216
-
pensions
6 157
-
6 108
-
other
1 293
-
2 491
-
health
2 624
-
5 054
-
total
11 704
-
16 794
-
Corporate
39 815
89 000
-
-
income
11 148
24 920
-
-
surtax
-
-
-
-
total
11 148
24 920
-
-
Dividends
28 667
64 080
-
-
withholding
3 669
8 203
-
-
surtax
-
-
-
-
social contributions
4 931
11 022
-
-
total
8 600
19 225
-
-
Income
89 000
89 000
89 000
89 000
Total tax
38 971
44 145
33 006
37 791
After tax
50 029
44 855
55 994
51 209
Living cost
29 962
29 962
29 962
29 962
Free-cash
20 067
14 893
26 032
21 247

Estimated living cost  is ₽29962 per week

₽18892
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2436
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽510
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8125
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
₽6733
₽13822
₽6406
₽1041
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
-
-
-
89 000
income
-
-
-
17 657
health
-
-
-
10 575
pensions
-
-
-
10 260
total
-
-
-
38 492
Employee
74 785
74 785
75 738
-
income

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

12 241
12 241
12 241
-
health
11 479
9 764
9 818
-
pensions
13 461
10 260
10 260
-
total
37 181
32 265
32 319
-
Employer
74 785
74 785
75 738
-
unemployment
2 692
2 692
2 727
-
pensions
5 205
5 205
5 272
-
health
5 198
5 198
5 263
-
total
13 095
13 095
13 262
-
Corporate
2 037
1 119
-
-
income
407
224
-
-
total
407
224
-
-
Dividends
1 630
895
-
-
withholding
244
135
-
-
income
346
189
-
-
total
590
324
-
-
Income
89 000
89 000
89 000
89 000
Total tax
51 273
45 908
45 581
38 492
After tax
37 727
43 092
43 419
50 508
Living cost
36 686
36 686
36 686
36 686
Free-cash
1 041
6 406
6 733
13 822

Estimated living cost  is ₽36686 per week

₽25999
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3307
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽583
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6797
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
₽36658
₽29053
₽18468
₽28154
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.

-
-
-
89 000
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.

-
-
-
18 799
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.

-
-
-
5 983
trade
-
-
-
7 605
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.

-
-
-
1 034
total
-
-
-
33 421
Employee

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

33 495
-
89 000
-
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.

936
-
18 799
-
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.

5 983
-
5 983
-
surtax

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

52
-
1 034
-
total
6 971
-
25 816
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
55 505
89 000
-
-
chamber of commerce
213
261
-
-
income
8 326
13 350
-
-
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.

459
735
-
-
trade
8 742
14 018
-
-
total
17 740
28 364
-
-
Dividends
37 766
60 637
-
-
withholding
9 109
14 826
-
-
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.

500
816
-
-
total
9 609
15 642
-
-
Income
89 000
89 000
89 000
89 000
Total tax
34 320
44 006
25 816
33 421
After tax
54 680
44 994
63 184
55 579
Living cost
26 526
26 526
26 526
26 526
Free-cash
28 154
18 468
36 658
29 053

Estimated living cost  is ₽26526 per week

₽16685
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3093
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽495
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6252
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
₽42577
₽42666
₽44863
₽40096
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
-
-
-
89 000
income
-
-
-
9 905
social contributions
-
-
-
13 883
health
-
-
-
2 270
total
-
-
-
26 058
Employee
67 340
67 340
80 800
-
income
7 332
6 234
9 867
-
social contributions
2 546
5 589
6 706
-
health
522
1 145
1 374
-
total
10 400
12 968
17 947
-
Employer
67 340
67 340
80 800
-
social contributions
2 546
5 589
6 706
-
health
567
1 246
1 494
-
total
3 113
6 835
8 200
-
Corporate
55 211
14 824
-
-
income
6 902
1 853
-
-
total
6 902
1 853
-
-
Dividends
48 310
12 971
-
-
withholding
8 213
2 205
-
-
total
8 213
2 205
-
-
Income
89 000
89 000
89 000
89 000
Total tax
28 628
23 861
26 147
26 058
After tax
60 372
65 139
62 853
62 942
Living cost
20 276
20 276
20 276
20 276
Free-cash
40 096
44 863
42 577
42 666

Estimated living cost  is ₽20276 per week

₽12152
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1989
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽449
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5687
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
₽17634
₽22233
₽23154
₽22271
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.

-
-
-
89 000
income
-
-
-
8 370
social contributions

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

-
-
-
30 928
surtax
-
-
-
-
total
-
-
-
39 298
Employee
40 277
-
71 919
-
income
8 378
-
18 905
-
social contributions
4 431
-
7 911
-
surtax
-
-
-
-
total
12 809
-
26 816
-
Employer
40 277
-
71 919
-
social contributions
9 566
-
17 081
-
total
9 566
-
17 081
-
Corporate
39 157
89 000
-
-
income
8 223
18 690
-
-
surtax
-
-
-
-
total
8 223
18 690
-
-
Dividends
30 934
70 310
-
-
withholding
8 662
19 687
-
-
total
8 662
19 687
-
-
Income
89 000
89 000
89 000
89 000
Total tax
39 260
38 377
43 897
39 298
After tax
49 740
50 623
45 103
49 702
Living cost
27 469
27 469
27 469
27 469
Free-cash
22 271
23 154
17 634
22 233

Estimated living cost  is ₽27469 per week

₽20553
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1620
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽459
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4838
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
₽64912
₽81822
₽78262
₽77083
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%.

-
-
-
89 000
microenterprise

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

-
-
-
890
total
-
-
-
890
Employee
7 859
-
89 000
-
income
1 572
-
17 800
-
total
1 572
-
17 800
-
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%.

81 141
89 000
-
-
total
-
-
-
-
Dividends
81 141
89 000
-
-
withholding
4 057
4 450
-
-
total
4 057
4 450
-
-
Income
89 000
89 000
89 000
89 000
Total tax
5 629
4 450
17 800
890
After tax
83 371
84 550
71 200
88 110
Living cost
6 288
6 288
6 288
6 288
Free-cash
77 083
78 262
64 912
81 822

Estimated living cost  is ₽6288 per week

₽3896
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽523
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽173
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽1695
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Social security system in Georgia is financed from the government taxes which are part of our internal model. Separate pension and medical insurance contributions are not compulsory. It is advisable to purchase health insurance privately as in an event of medical emergency the treatment is likely to get costly.

Ljubljana , Slovenia
₽19944
₽22498
₽37787
₽30463
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.

-
-
-
89 000
income
-
-
-
17 871
health
-
-
-
8 756
unemployment
-
-
-
133
pensions
-
-
-
16 253
total
-
-
-
43 013
Employee

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

38 726
-
77 009
-
income
6 678
-
16 558
-
health
2 501
-
4 974
-
unemployment
55
-
108
-
pensions
6 003
-
11 936
-
total
15 237
-
33 576
-
Employer

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

38 726
-
77 009
-
unemployment
23
-
47
-
pensions
3 427
-
6 815
-
health
2 579
-
5 129
-
total
6 029
-
11 991
-
Corporate
44 245
89 000
-
-
income
8 406
16 910
-
-
total
8 406
16 910
-
-
Dividends
35 839
72 090
-
-
withholding
5 376
10 814
-
-
total
5 376
10 814
-
-
Income
89 000
89 000
89 000
89 000
Total tax
35 048
27 724
45 567
43 013
After tax
53 952
61 276
43 433
45 987
Living cost
23 489
23 489
23 489
23 489
Free-cash
30 463
37 787
19 944
22 498

Estimated living cost  is ₽23489 per week

₽16120
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1506
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽455
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5409
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Sliema , Malta
₽33597
₽26572
₽21433
₽24754
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.

-
-
-
89 000
income
-
-
-
24 928
health

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

-
-
-
5 710
total
-
-
-
30 638
Employee
40 174
-
84 972
-
social contributions
4 025
-
4 028
-
income
4 359
-
15 557
-
total
8 384
-
19 585
-
Employer
40 174
-
84 972
-
social contributions
4 025
-
4 028
-
total
4 025
-
4 028
-
Corporate
44 801
89 000
-
-
income
15 680
31 150
-
-
total
15 680
31 150
-
-
Dividends
29 121
57 850
-
-
social contributions
4 367
4 627
-
-
total
4 367
4 627
-
-
Income
89 000
89 000
89 000
89 000
Total tax
32 456
35 777
23 613
30 638
After tax
56 544
53 223
65 387
58 362
Living cost
31 790
31 790
31 790
31 790
Free-cash
24 754
21 433
33 597
26 572

Estimated living cost  is ₽31790 per week

₽20940
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2506
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽487
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7856
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
₽38669
₽38587
₽35728
₽36184
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
-
-
-
89 000
income
-
-
-
13 350
social contributions
-
-
-
12 281
health
-
-
-
6 212
total
-
-
-
31 843
Employee
29 693
-
89 000
-
income
4 952
-
13 268
-
social contributions
4 098
-
12 281
-
health
2 072
-
6 212
-
total
11 122
-
31 761
-
Employer
29 693
-
89 000
-
total
-
-
-
-
Corporate
59 307
89 000
-
-
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%.

2 965
4 451
-
-
total
2 965
4 451
-
-
Dividends
56 342
84 549
-
-
withholding
8 451
12 682
-
-
health
3 932
5 901
-
-
social contributions
7 776
11 668
-
-
total
20 159
30 251
-
-
Income
89 000
89 000
89 000
89 000
Total tax
34 246
34 702
31 761
31 843
After tax
54 754
54 298
57 239
57 157
Living cost
18 570
18 570
18 570
18 570
Free-cash
36 184
35 728
38 669
38 587

Estimated living cost  is ₽18570 per week

₽12428
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1145
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽427
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4569
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
₽21459
₽19641
₽37571
₽29114
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
-
-
-
89 000
income
-
-
-
7 650
social contributions
-
-
-
25 988
solidarity contribution
-
-
-
-
health
-
-
-
12 015
total
-
-
-
45 653
Employee
34 862
-
66 418
-
solidarity contribution
-
-
-
-
income
4 183
-
7 970
-
social contributions
2 266
-
4 317
-
health
4 706
-
8 966
-
total
11 155
-
21 253
-
Employer
34 862
-
66 418
-
social contributions
8 715
-
16 604
-
health
3 138
-
5 978
-
total
11 853
-
22 582
-
Corporate
42 285
89 000
-
-
income
8 034
16 910
-
-
total
8 034
16 910
-
-
Dividends
34 251
72 090
-
-
withholding
5 138
10 813
-
-
total
5 138
10 813
-
-
Income
89 000
89 000
89 000
89 000
Total tax
36 180
27 723
43 835
45 653
After tax
52 820
61 277
45 165
43 347
Living cost
23 706
23 706
23 706
23 706
Free-cash
29 114
37 571
21 459
19 641

Estimated living cost  is ₽23706 per week

₽17629
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1313
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.
₽4353
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
₽61402
₽78312
₽74752
₽72914
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%.

-
-
-
89 000
microenterprise

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

-
-
-
890
total
-
-
-
890
Employee
12 248
-
89 000
-
income
2 450
-
17 800
-
total
2 450
-
17 800
-
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%.

76 752
89 000
-
-
total
-
-
-
-
Dividends
76 752
89 000
-
-
withholding
3 838
4 450
-
-
total
3 838
4 450
-
-
Income
89 000
89 000
89 000
89 000
Total tax
6 288
4 450
17 800
890
After tax
82 712
84 550
71 200
88 110
Living cost
9 798
9 798
9 798
9 798
Free-cash
72 914
74 752
61 402
78 312

Estimated living cost  is ₽9798 per week

₽6630
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽411
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽329
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2427
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Social security system in Georgia is financed from the government taxes which are part of our internal model. Separate pension and medical insurance contributions are not compulsory. It is advisable to purchase health insurance privately as in an event of medical emergency the treatment is likely to get costly.

Paris , France
₽13697
₽8912
₽2558
₽8578
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
-
-
-
89 000
income
-
-
-
8 676
social contributions
-
-
-
2 536
health
-
-
-
1 727
surtax
-
-
-
-
pensions
-
-
-
22 090
other
-
-
-
2 762
total
-
-
-
37 791
Employee
54 849
-
72 207
-
income
4 786
-
10 692
-
social contributions
1 562
-
2 057
-
surtax
-
-
-
-
pensions
6 204
-
3 463
-
total
12 552
-
16 212
-
Employer
54 849
-
72 207
-
unemployment
2 222
-
2 925
-
social contributions
165
-
216
-
pensions
9 012
-
6 108
-
other
1 893
-
2 491
-
health
3 839
-
5 054
-
total
17 131
-
16 794
-
Corporate
17 020
89 000
-
-
income
4 766
24 920
-
-
surtax
-
-
-
-
total
4 766
24 920
-
-
Dividends
12 254
64 080
-
-
withholding
1 569
8 203
-
-
surtax
-
-
-
-
social contributions
2 107
11 022
-
-
total
3 676
19 225
-
-
Income
89 000
89 000
89 000
89 000
Total tax
38 125
44 145
33 006
37 791
After tax
50 875
44 855
55 994
51 209
Living cost
42 297
42 297
42 297
42 297
Free-cash
8 578
2 558
13 697
8 912

Estimated living cost  is ₽42297 per week

₽28626
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3460
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽580
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9631
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
₽32184
₽32185
₽49201
₽44903
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.

-
-
-
89 000
income
-
-
-
17 319
health
-
-
-
6 647
unemployment
-
-
-
968
pensions
-
-
-
16 779
total
-
-
-
41 713
Employee

The minimum tax base for social security contributions are defined by the Law on Mandatory Social Insurance Contributions and is fixed at 35% of an average monthly salary published in Serbia. The maximum tax base for social security contributions is capped at five times the average monthly salary published by the official statistics in Serbia at the moment of salary payment.

The minimum monthly earnings used to calculate the contributions are 35% of the national average gross wage for the previous three months.

The maximum monthly earnings used to calculate the contributions are five times the national average gross wage in the previous month.

22 773
-
77 448
-
income
3 139
-
17 319
-
health
1 173
-
3 324
-
unemployment
171
-
484
-
pensions
3 188
-
9 035
-
total
7 671
-
30 162
-
Employer

The minimum tax base for social security contributions are defined by the Law on Mandatory Social Insurance Contributions and is fixed at 35% of an average monthly salary published in Serbia. The maximum tax base for social security contributions is capped at five times the average monthly salary published by the official statistics in Serbia at the moment of salary payment.

The minimum monthly earnings used to calculate the contributions are 35% of the national average gross wage for the previous three months.

The maximum monthly earnings used to calculate the contributions are five times the national average gross wage in the previous month.

22 773
-
77 448
-
unemployment
171
-
484
-
pensions
2 733
-
7 744
-
health
1 173
-
3 324
-
total
4 077
-
11 552
-
Corporate
62 151
89 000
-
-
income
9 323
13 350
-
-
total
9 323
13 350
-
-
Dividends
52 828
75 650
-
-
withholding
7 924
11 347
-
-
total
7 924
11 347
-
-
Income
89 000
89 000
89 000
89 000
Total tax
28 995
24 697
41 714
41 713
After tax
60 005
64 303
47 286
47 287
Living cost
15 102
15 102
15 102
15 102
Free-cash
44 903
49 201
32 184
32 185

Estimated living cost  is ₽15102 per week

₽10168
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1168
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽437
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3329
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Zurich , Switzerland
₽8285
₽12704
-₽20489
₽5689
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
-
-
-
89 000
regional
-
-
-
3 297
national
-
-
-
705
health
-
-
-
200
city
-
-
-
938
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.

-
-
-
1 781
pensions
-
-
-
8 188
total
-
-
-
15 109
Employee
71 605
-
79 659
-
regional
2 345
-
2 813
-
city
768
-
856
-
health
162
-
179
-
unemployment
-
-
-
-
national
339
-
523
-
pensions
6 016
-
6 692
-
total
9 630
-
11 063
-
Employer
71 605
-
79 659
-
unemployment
-
-
-
-
pensions
6 016
-
6 692
-
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.

1 432
-
1 594
-
health
162
-
179
-
total
7 610
-
8 465
-
Corporate
8 999
89 000
-
-
regional
1 903
18 824
-
-
national
765
7 565
-
-
total
2 668
26 389
-
-
Dividends
6 330
62 611
-
-
withholding
2 216
21 913
-
-
total
2 216
21 913
-
-
Income
89 000
89 000
89 000
89 000
Total tax
22 124
48 302
19 528
15 109
After tax
66 876
40 698
69 472
73 891
Living cost
61 187
61 187
61 187
61 187
Free-cash
5 689
-20 489
8 285
12 704

Estimated living cost  is ₽61187 per week

₽39789
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5491
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽751
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.
₽15156
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
₽17040
₽29417
₽25445
₽23687
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

-
-
-
89 000
municipal
-
-
-
15 839
national
-
-
-
9 117
health
-
-
-
1 005
total
-
-
-
25 961
Employee
46 075
-
74 871
-
health
344
-
788
-
unemployment
691
-
1 123
-
national
761
-
5 022
-
municipal
7 547
-
12 223
-
pensions
3 109
-
5 054
-
total
12 452
-
24 210
-
Employer
46 075
-
74 871
-
unemployment
299
-
487
-
pensions
7 994
-
12 989
-
accident
47
-
75
-
health
354
-
577
-
total
8 694
-
14 128
-
Corporate
34 232
89 000
-
-
income
6 847
17 800
-
-
total
6 847
17 800
-
-
Dividends

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

20 539
53 400
-
-
national
-
2 521
-
-
municipal
3 698
9 612
-
-
total
3 698
12 133
-
-
Income
89 000
89 000
89 000
89 000
Total tax
31 691
29 933
38 338
25 961
After tax
57 309
59 067
50 662
63 039
Living cost
33 622
33 622
33 622
33 622
Free-cash
23 687
25 445
17 040
29 417

Estimated living cost  is ₽33622 per week

₽21962
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3234
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽535
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7892
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
₽2680
₽9696
₽17978
₽4845
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
-
-
-
89 000
national
-
-
-
28 909
social contributions
-
-
-
13 962
communal

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

-
-
-
4 502
total
-
-
-
47 373
Employee

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

62 642
-
68 933
-
health

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

2 943
-
3 239
-
communal

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

3 267
-
3 595
-
unemployment

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

545
-
600
-
national
19 259
-
21 718
-
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.

4 698
-
5 170
-
total
30 712
-
34 322
-
Employer

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

62 642
-
68 933
-
unemployment

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

914
-
1 007
-
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.

5 551
-
6 107
-
surtax
7 103
-
7 818
-
accident

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

814
-
896
-
health

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

3 852
-
4 239
-
total
18 234
-
20 067
-
Corporate
8 123
89 000
-
-
income
1 625
17 800
-
-
surtax
33
356
-
-
total
1 658
18 156
-
-
Dividends
6 465
70 844
-
-
withholding

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

1 620
20 935
-
-
total
1 620
20 935
-
-
Income
89 000
89 000
89 000
89 000
Total tax
52 224
39 091
54 389
47 373
After tax
36 776
49 909
34 611
41 627
Living cost
31 931
31 931
31 931
31 931
Free-cash
4 845
17 978
2 680
9 696

Estimated living cost  is ₽31931 per week

₽20568
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2792
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽500
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8072
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
₽11653
₽10601
₽12720
₽11915
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
-
-
-
89 000
municipal
-
-
-
19 748
national
-
-
-
-
health
-
-
-
4 906
accident
-
-
-
157
unemployment
-
-
-
79
pensions
-
-
-
8 499
other
-
-
-
9 136
total
-
-
-
42 525
Employee
51 118
-
67 722
-
national
-
-
-
-
municipal
15 243
-
20 195
-
total
15 243
-
20 195
-
Employer
51 118
-
67 722
-
unemployment
1 349
-
1 788
-
pensions
5 526
-
7 321
-
other
5 940
-
7 869
-
accident
102
-
135
-
health
3 144
-
4 165
-
total
16 061
-
21 278
-
Corporate
21 821
89 000
-
-
income
4 801
19 580
-
-
total
4 801
19 580
-
-
Dividends
17 021
69 420
-
-
withholding
5 106
20 826
-
-
total
5 106
20 826
-
-
Income
89 000
89 000
89 000
89 000
Total tax
41 211
40 406
41 473
42 525
After tax
47 789
48 594
47 527
46 475
Living cost
35 874
35 874
35 874
35 874
Free-cash
11 915
12 720
11 653
10 601

Estimated living cost  is ₽35874 per week

₽23776
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3520
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽545
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.
₽8033
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
₽38463
₽22777
₽15419
-₽44833
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
-
-
-
89 000
income
-
-
-
17 348
social contributions
-
-
-
10 146
total
-
-
-
27 494
Employee
55 532
-
-
-
income
12 249
-
-
-
social contributions
4 554
-
649
-
total
16 803
-
649
-
Employer
55 532
-
-
-
social contributions
78 301
-
11 159
-
total
78 301
-
11 159
-
Corporate
-
89 000
-
-
income
-
19 580
-
-
total
-
19 580
-
-
Dividends
-
69 420
-
-
income
-
15 272
-
-
total
-
15 272
-
-
Income
89 000
89 000
89 000
89 000
Total tax
95 104
34 852
11 808
27 494
After tax
-6 104
54 148
77 192
61 506
Living cost
38 729
38 729
38 729
38 729
Free-cash
-44 833
15 419
38 463
22 777

Estimated living cost  is ₽38729 per week

₽25129
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3642
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽494
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9464
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
₽34448
₽34537
₽36734
₽33103
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
-
-
-
89 000
income
-
-
-
9 905
social contributions
-
-
-
13 883
health
-
-
-
2 270
total
-
-
-
26 058
Employee
67 340
67 340
80 800
-
income
7 071
6 234
9 867
-
social contributions
3 272
5 589
6 706
-
health
670
1 145
1 374
-
total
11 013
12 968
17 947
-
Employer
67 340
67 340
80 800
-
social contributions
3 272
5 589
6 706
-
health
730
1 246
1 494
-
total
4 002
6 835
8 200
-
Corporate
45 580
14 824
-
-
income
5 697
1 853
-
-
total
5 697
1 853
-
-
Dividends
39 883
12 971
-
-
withholding
6 780
2 205
-
-
total
6 780
2 205
-
-
Income
89 000
89 000
89 000
89 000
Total tax
27 492
23 861
26 147
26 058
After tax
61 508
65 139
62 853
62 942
Living cost
28 405
28 405
28 405
28 405
Free-cash
33 103
36 734
34 448
34 537

Estimated living cost  is ₽28405 per week

₽19417
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2219
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽477
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6292
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
₽23925
₽31924
₽33170
₽30166
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
-
-
-
89 000
income
-
-
-
18 921
pensions
-
-
-
6 452
total
-
-
-
25 373
Employee
43 517
-
78 314
-
income
7 925
-
13 908
-
health
568
-
1 280
-
pensions
3 321
-
7 498
-
total
11 814
-
22 686
-
Employer
43 517
-
78 314
-
pensions
4 397
-
9 197
-
health
827
-
1 489
-
total
5 224
-
10 686
-
Corporate
40 260
89 000
-
-
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.

7 648
16 910
-
-
total
7 648
16 910
-
-
Dividends
32 611
72 090
-
-
withholding
2 445
7 217
-
-
total
2 445
7 217
-
-
Income
89 000
89 000
89 000
89 000
Total tax
27 131
24 127
33 372
25 373
After tax
61 869
64 873
55 628
63 627
Living cost
31 703
31 703
31 703
31 703
Free-cash
30 166
33 170
23 925
31 924

Estimated living cost  is ₽31703 per week

₽21748
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2915
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽397
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6641
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
₽5762
₽9830
₽11993
₽8008
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
-
-
-
89 000
municipal
-
-
-
595
regional
-
-
-
1 791
national
-
-
-
19 005
social contributions
-
-
-
22 891
total
-
-
-
44 282
Employee
73 796
-
89 000
-
regional
1 114
-
1 511
-
social contributions
24 883
-
30 010
-
national
12 471
-
16 300
-
municipal
440
-
530
-
total
38 908
-
48 351
-
Employer
73 796
-
89 000
-
total
-
-
-
-
Corporate
15 204
89 000
-
-
nationa
3 650
21 360
-
-
municipal
733
4 289
-
-
total
4 383
25 649
-
-
Dividends
10 822
63 350
-
-
withholding
2 814
16 471
-
-
total
2 814
16 471
-
-
Income
89 000
89 000
89 000
89 000
Total tax
46 105
42 120
48 351
44 282
After tax
42 895
46 880
40 649
44 718
Living cost
34 888
34 888
34 888
34 888
Free-cash
8 008
11 993
5 762
9 830

Estimated living cost  is ₽34888 per week

₽24506
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2400
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽527
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7454
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
₽28349
₽42995
-₽10836
₽4441
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
-
-
-
89 000
income
-
-
-
22 247
health
-
-
-
1 789
accident
-
-
-
207
pensions
-
-
-
3 413
other
-
-
-
304
total
-
-
-
27 960
Employee
28 385
-
76 800
-
income
3 894
-
15 354
-
health
3 250
-
8 794
-
pensions
3 196
-
6 258
-
total
10 340
-
30 406
-
Employer
28 385
-
76 800
-
unemployment
695
-
1 882
-
pensions
4 616
-
9 036
-
accident
474
-
1 282
-
total
5 785
-
12 200
-
Corporate
54 830
89 000
-
-
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.

49 347
80 100
-
-
total
49 347
80 100
-
-
Dividends
5 483
8 900
-
-
withholding
1 042
1 691
-
-
total
1 042
1 691
-
-
Income
89 000
89 000
89 000
89 000
Total tax
66 514
81 791
42 606
27 960
After tax
22 486
7 209
46 394
61 040
Living cost
18 045
18 045
18 045
18 045
Free-cash
4 441
-10 836
28 349
42 995

Estimated living cost  is ₽18045 per week

₽13225
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1000
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.
₽3443
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
₽29374
₽22446
₽12100
₽23557
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.

-
-
-
89 000
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.

-
-
-
18 799
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.

-
-
-
5 983
trade
-
-
-
6 928
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.

-
-
-
1 034
total
-
-
-
32 744
Employee

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

43 574
-
89 000
-
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.

3 583
-
18 799
-
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.

5 983
-
5 983
-
surtax

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

198
-
1 034
-
total
9 764
-
25 816
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
45 426
89 000
-
-
chamber of commerce
199
264
-
-
income
6 814
13 350
-
-
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.

376
735
-
-
trade
6 518
12 772
-
-
total
13 907
27 121
-
-
Dividends
31 520
61 880
-
-
withholding
7 547
15 136
-
-
surtax

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

415
833
-
-
total
7 962
15 969
-
-
Income
89 000
89 000
89 000
89 000
Total tax
31 633
43 090
25 816
32 744
After tax
57 367
45 910
63 184
56 256
Living cost
33 810
33 810
33 810
33 810
Free-cash
23 557
12 100
29 374
22 446

Estimated living cost  is ₽33810 per week

₽23323
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3638
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽490
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6358
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
₽31931
₽29275
₽52981
₽45798
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.

-
-
-
89 000
microenterprise
-
-
-
-
income
-
-
-
12 893
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.

-
-
-
28 613
surtax
-
-
-
-
total
-
-
-
41 506
Employee
25 590
-
71 721
-
income
4 555
-
13 684
-
social contributions

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

2 815
-
7 889
-
surtax
-
-
-
-
total
7 370
-
21 573
-
Employer
25 590
-
71 721
-
social contributions

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

6 164
-
17 277
-
surtax
-
-
-
-
total
6 164
-
17 277
-
Corporate
57 246
89 000
-
-
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%.

11 449
17 800
-
-
total
11 449
17 800
-
-
Dividends

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

45 798
71 200
-
-
total
-
-
-
-
Income
89 000
89 000
89 000
89 000
Total tax
24 983
17 800
38 850
41 506
After tax
64 017
71 200
50 150
47 494
Living cost
18 219
18 219
18 219
18 219
Free-cash
45 798
52 981
31 931
29 275

Estimated living cost  is ₽18219 per week

₽11623
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1735
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽414
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4447
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Istanbul , Turkey
₽39036
₽39843
₽44191
₽42326
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
-
-
-
89 000
income
-
-
-
23 537
health
-
-
-
6 000
pensions
-
-
-
8 275
total
-
-
-
37 812
Employee
17 279
-
79 691
-
income
3 343
-
23 103
-
health
864
-
2 069
-
unemployment
173
-
414
-
pensions
1 555
-
3 724
-
total
5 935
-
29 310
-
Employer
17 279
-
79 691
-
unemployment
346
-
827
-
pensions
1 901
-
4 551
-
health
1 642
-
3 931
-
total
3 889
-
9 309
-
Corporate
67 833
89 000
-
-
income
14 923
19 580
-
-
total
14 923
19 580
-
-
Dividends
52 909
69 420
-
-
withholding
10 582
13 884
-
-
total
10 582
13 884
-
-
Income
89 000
89 000
89 000
89 000
Total tax
35 329
33 464
38 619
37 812
After tax
53 671
55 536
50 381
51 188
Living cost
11 345
11 345
11 345
11 345
Free-cash
42 326
44 191
39 036
39 843

Estimated living cost  is ₽11345 per week

₽6742
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽920
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽260
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.
₽3423
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
₽24248
₽25973
₽36312
₽33525
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
-
-
-
89 000
income
-
-
-
16 953
health
-
-
-
6 318
unemployment
-
-
-
199
surtax
-
-
-
2 087
pensions
-
-
-
17 800
other
-
-
-
-
total
-
-
-
43 357
Employee
29 492
-
73 525
-
other
-
-
-
-
income
4 944
-
15 823
-
health
753
-
1 875
-
unemployment
2 052
-
5 117
-
surtax
105
-
1 888
-
pensions
1 968
-
4 904
-
total
9 822
-
29 607
-
Employer
29 492
-
73 525
-
unemployment
936
-
2 330
-
pensions
3 932
-
9 800
-
other
-
-
-
-
health
1 341
-
3 345
-
total
6 209
-
15 475
-
Corporate
53 299
89 000
-
-
income
13 858
23 140
-
-
total
13 858
23 140
-
-
Dividends
39 441
65 860
-
-
withholding
5 916
9 878
-
-
total
5 916
9 878
-
-
Income
89 000
89 000
89 000
89 000
Total tax
35 805
33 018
45 082
43 357
After tax
53 195
55 982
43 918
45 643
Living cost
19 670
19 670
19 670
19 670
Free-cash
33 525
36 312
24 248
25 973

Estimated living cost  is ₽19670 per week

₽11876
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1710
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽457
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5629
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
-₽1090
₽17182
₽22021
₽21590
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
-
-
-
89 000
income
-
-
-
14 879
chamber of commerce
-
-
-
356
health
-
-