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
₽ 89500
per

Your estimated
City
free-cash

Valencia , Spain
₽23078
₽24065
₽36187
₽31587
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
-
-
-
89 500
income
-
-
-
16 940
accident
-
-
-
732
unemployment
-
-
-
569
pensions
-
-
-
23 000
other
-
-
-
82
total
-
-
-
41 323
Employee
32 422
-
67 863
-
other
32
-
68
-
income
6 251
-
16 363
-
unemployment
503
-
1 052
-
pensions
1 524
-
3 190
-
total
8 310
-
20 673
-
Employer
32 422
-
67 863
-
unemployment
1 784
-
3 732
-
pensions
7 651
-
16 016
-
other
260
-
544
-
accident
642
-
1 345
-
total
10 337
-
21 637
-
Corporate
46 741
89 500
-
-
income

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

7 010
13 425
-
-
total
7 010
13 425
-
-
Dividends
39 731
76 075
-
-
withholding
8 144
15 776
-
-
total
8 144
15 776
-
-
Income
89 500
89 500
89 500
89 500
Total tax
33 801
29 201
42 310
41 323
After tax
55 699
60 299
47 190
48 177
Living cost
24 112
24 112
24 112
24 112
Free-cash
31 587
36 187
23 078
24 065

Estimated living cost  is ₽24112 per week

₽16275
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2318
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽423
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.
₽5097
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
₽28920
₽25098
₽42392
₽36468
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
-
-
-
89 500
income
-
-
-
11 368
health
-
-
-
3 939
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.

-
-
-
21 480
other
-
-
-
4 251
total
-
-
-
41 038
Employee
31 838
-
71 486
-
income
5 481
-
12 482
-
health
446
-
1 000
-
unemployment
318
-
716
-
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.

2 228
-
5 004
-
total
8 473
-
19 202
-
Employer
31 838
-
71 486
-
unemployment
318
-
716
-
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.

5 413
-
12 152
-
other
1 592
-
3 574
-
accident
255
-
572
-
health
446
-
1 000
-
total
8 024
-
18 014
-
Corporate
49 639
89 500
-
-
income
10 425
18 795
-
-
total
10 425
18 795
-
-
Dividends
39 214
70 705
-
-
withholding
2 746
4 949
-
-
total
2 746
4 949
-
-
Income
89 500
89 500
89 500
89 500
Total tax
29 668
23 744
37 216
41 038
After tax
59 832
65 756
52 284
48 462
Living cost
23 364
23 364
23 364
23 364
Free-cash
36 468
42 392
28 920
25 098

Estimated living cost  is ₽23364 per week

₽16508
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1577
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.
₽4902
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
₽59254
₽56441
₽65050
₽60985
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
-
-
-
89 500
income
-
-
-
13 425
health
-
-
-
3 515
unemployment
-
-
-
122
pensions

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

-
-
-
4 524
total
-
-
-
21 586
Employee
15 192
-
83 503
-
income
1 519
-
8 351
-
health
699
-
1 406
-
accident

We are using the highest rate at 1.1%.

167
-
336
-
pensions

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

1 334
-
2 684
-
total
3 719
-
12 777
-
Employer
15 192
-
83 503
-
unemployment
91
-
183
-
pensions

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

1 674
-
3 368
-
accident

We are using the highest rate at 1.1%.

167
-
336
-
health
1 049
-
2 109
-
total
2 981
-
5 996
-
Corporate
71 327
89 500
-
-
income
7 132
8 950
-
-
total
7 132
8 950
-
-
Dividends
64 194
80 550
-
-
withholding
3 210
4 027
-
-
total
3 210
4 027
-
-
Income
89 500
89 500
89 500
89 500
Total tax
17 042
12 977
18 773
21 586
After tax
72 458
76 523
70 727
67 914
Living cost
11 473
11 473
11 473
11 473
Free-cash
60 985
65 050
59 254
56 441

Estimated living cost  is ₽11473 per week

₽6698
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽819
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽304
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3652
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
₽26244
₽21487
₽15108
₽20290
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
-
-
-
89 500
income
-
-
-
8 780
social contributions
-
-
-
2 549
health
-
-
-
1 757
surtax
-
-
-
-
pensions
-
-
-
22 150
other
-
-
-
2 777
total
-
-
-
38 013
Employee
37 528
-
72 592
-
income
2 215
-
10 784
-
social contributions
1 070
-
2 068
-
surtax
-
-
-
-
pensions
4 243
-
3 496
-
total
7 528
-
16 348
-
Employer
37 528
-
72 592
-
unemployment
1 519
-
2 940
-
social contributions
113
-
218
-
pensions
6 165
-
6 164
-
other
1 295
-
2 504
-
health
2 627
-
5 082
-
total
11 719
-
16 908
-
Corporate
40 253
89 500
-
-
income
11 270
25 060
-
-
surtax
-
-
-
-
total
11 270
25 060
-
-
Dividends
28 983
64 440
-
-
withholding
3 709
8 248
-
-
surtax
-
-
-
-
social contributions
4 984
11 084
-
-
total
8 693
19 332
-
-
Income
89 500
89 500
89 500
89 500
Total tax
39 210
44 392
33 256
38 013
After tax
50 290
45 108
56 244
51 487
Living cost
30 000
30 000
30 000
30 000
Free-cash
20 290
15 108
26 244
21 487

Estimated living cost  is ₽30000 per week

₽18916
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2439
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽511
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.
₽8135
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
₽7053
₽14059
₽6611
₽1237
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
-
-
-
89 500
income
-
-
-
17 826
health
-
-
-
10 610
pensions
-
-
-
10 273
total
-
-
-
38 709
Employee
74 879
74 879
76 163
-
income

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

12 257
12 257
12 257
-
health
11 493
9 776
9 849
-
pensions
13 478
10 273
10 273
-
total
37 228
32 306
32 379
-
Employer
74 879
74 879
76 163
-
unemployment
2 696
2 696
2 742
-
pensions
5 212
5 212
5 301
-
health
5 205
5 205
5 293
-
total
13 113
13 113
13 336
-
Corporate
2 427
1 508
-
-
income
486
301
-
-
total
486
301
-
-
Dividends
1 941
1 207
-
-
withholding
291
181
-
-
income
413
256
-
-
total
704
437
-
-
Income
89 500
89 500
89 500
89 500
Total tax
51 531
46 157
45 715
38 709
After tax
37 969
43 343
43 785
50 791
Living cost
36 732
36 732
36 732
36 732
Free-cash
1 237
6 611
7 053
14 059

Estimated living cost  is ₽36732 per week

₽26031
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3311
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽584
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.
₽6806
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
₽36932
₽29256
₽18689
₽28386
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.

-
-
-
89 500
income

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

-
-
-
18 976
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.

-
-
-
5 990
trade
-
-
-
7 676
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.

-
-
-
1 043
total
-
-
-
33 685
Employee

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

33 538
-
89 500
-
income

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

937
-
18 976
-
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.

5 990
-
5 990
-
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
-
1 043
-
total
6 979
-
26 009
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
55 962
89 500
-
-
chamber of commerce
213
261
-
-
income
8 395
13 425
-
-
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.

461
739
-
-
trade
8 814
14 096
-
-
total
17 883
28 521
-
-
Dividends
38 079
60 979
-
-
withholding
9 187
14 911
-
-
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.

506
820
-
-
total
9 693
15 731
-
-
Income
89 500
89 500
89 500
89 500
Total tax
34 555
44 252
26 009
33 685
After tax
54 945
45 248
63 491
55 815
Living cost
26 559
26 559
26 559
26 559
Free-cash
28 386
18 689
36 932
29 256

Estimated living cost  is ₽26559 per week

₽16706
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3097
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽496
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.
₽6260
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
₽42853
₽42941
₽45200
₽40430
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
-
-
-
89 500
income
-
-
-
10 012
social contributions
-
-
-
13 963
health
-
-
-
2 283
total
-
-
-
26 258
Employee
67 426
67 426
81 253
-
income
7 342
6 242
9 974
-
social contributions
2 549
5 596
6 744
-
health
522
1 146
1 381
-
total
10 413
12 984
18 099
-
Employer
67 426
67 426
81 253
-
social contributions
2 549
5 596
6 744
-
health
567
1 248
1 503
-
total
3 116
6 844
8 247
-
Corporate
55 669
15 230
-
-
income
6 959
1 904
-
-
total
6 959
1 904
-
-
Dividends
48 710
13 327
-
-
withholding
8 280
2 266
-
-
total
8 280
2 266
-
-
Income
89 500
89 500
89 500
89 500
Total tax
28 768
23 998
26 346
26 258
After tax
60 732
65 502
63 154
63 242
Living cost
20 302
20 302
20 302
20 302
Free-cash
40 430
45 200
42 853
42 941

Estimated living cost  is ₽20302 per week

₽12167
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1992
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.
₽5694
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
₽17809
₽22459
₽23403
₽22521
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.

-
-
-
89 500
income
-
-
-
8 435
social contributions

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

-
-
-
31 102
surtax
-
-
-
-
total
-
-
-
39 537
Employee
40 328
-
72 323
-
income
8 388
-
19 054
-
social contributions
4 436
-
7 956
-
surtax
-
-
-
-
total
12 824
-
27 010
-
Employer
40 328
-
72 323
-
social contributions
9 578
-
17 177
-
total
9 578
-
17 177
-
Corporate
39 594
89 500
-
-
income
8 315
18 795
-
-
surtax
-
-
-
-
total
8 315
18 795
-
-
Dividends
31 279
70 705
-
-
withholding
8 758
19 798
-
-
total
8 758
19 798
-
-
Income
89 500
89 500
89 500
89 500
Total tax
39 475
38 593
44 187
39 537
After tax
50 025
50 907
45 313
49 963
Living cost
27 504
27 504
27 504
27 504
Free-cash
22 521
23 403
17 809
22 459

Estimated living cost  is ₽27504 per week

₽20579
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1622
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.
₽4844
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
₽65315
₽82320
₽78740
₽77562
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%.

-
-
-
89 500
microenterprise

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

-
-
-
895
total
-
-
-
895
Employee
7 857
-
89 500
-
income
1 571
-
17 900
-
total
1 571
-
17 900
-
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%.

81 643
89 500
-
-
total
-
-
-
-
Dividends
81 643
89 500
-
-
withholding
4 082
4 475
-
-
total
4 082
4 475
-
-
Income
89 500
89 500
89 500
89 500
Total tax
5 653
4 475
17 900
895
After tax
83 847
85 025
71 600
88 605
Living cost
6 285
6 285
6 285
6 285
Free-cash
77 562
78 740
65 315
82 320

Estimated living cost  is ₽6285 per week

₽3895
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽522
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
₽20140
₽22707
₽38103
₽30767
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.

-
-
-
89 500
income
-
-
-
17 987
health
-
-
-
8 807
unemployment
-
-
-
135
pensions
-
-
-
16 345
total
-
-
-
43 274
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.

38 775
-
77 441
-
income
6 687
-
16 666
-
health
2 504
-
5 004
-
unemployment
55
-
108
-
pensions
6 010
-
12 004
-
total
15 256
-
33 782
-
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.

38 775
-
77 441
-
unemployment
23
-
47
-
pensions
3 431
-
6 854
-
health
2 583
-
5 158
-
total
6 037
-
12 059
-
Corporate
44 689
89 500
-
-
income
8 491
17 004
-
-
total
8 491
17 004
-
-
Dividends
36 197
72 496
-
-
withholding
5 430
10 874
-
-
total
5 430
10 874
-
-
Income
89 500
89 500
89 500
89 500
Total tax
35 214
27 878
45 841
43 274
After tax
54 286
61 622
43 659
46 226
Living cost
23 519
23 519
23 519
23 519
Free-cash
30 767
38 103
20 140
22 707

Estimated living cost  is ₽23519 per week

₽16141
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1508
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽456
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.
₽5416
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
₽33927
₽27001
₽21712
₽24998
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.

-
-
-
89 500
income
-
-
-
24 960
health

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

-
-
-
5 709
total
-
-
-
30 669
Employee
40 225
-
85 466
-
social contributions
4 030
-
4 034
-
income
4 365
-
15 675
-
total
8 395
-
19 709
-
Employer
40 225
-
85 466
-
social contributions
4 030
-
4 034
-
total
4 030
-
4 034
-
Corporate
45 245
89 500
-
-
income
15 836
31 325
-
-
total
15 836
31 325
-
-
Dividends
29 409
58 175
-
-
social contributions
4 411
4 633
-
-
total
4 411
4 633
-
-
Income
89 500
89 500
89 500
89 500
Total tax
32 672
35 958
23 743
30 669
After tax
56 828
53 542
65 757
58 831
Living cost
31 830
31 830
31 830
31 830
Free-cash
24 998
21 712
33 927
27 001

Estimated living cost  is ₽31830 per week

₽20966
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2509
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽488
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.
₽7866
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
₽38946
₽38883
₽36011
₽36463
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
-
-
-
89 500
income
-
-
-
13 425
social contributions
-
-
-
12 352
health
-
-
-
6 247
total
-
-
-
32 024
Employee
29 730
-
89 500
-
income
4 959
-
13 362
-
social contributions
4 103
-
12 352
-
health
2 075
-
6 247
-
total
11 137
-
31 961
-
Employer
29 730
-
89 500
-
total
-
-
-
-
Corporate
59 770
89 500
-
-
income

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

2 989
4 474
-
-
total
2 989
4 474
-
-
Dividends
56 781
85 026
-
-
withholding
8 518
12 754
-
-
health
3 964
5 935
-
-
social contributions
7 836
11 733
-
-
total
20 318
30 422
-
-
Income
89 500
89 500
89 500
89 500
Total tax
34 444
34 896
31 961
32 024
After tax
55 056
54 604
57 539
57 476
Living cost
18 593
18 593
18 593
18 593
Free-cash
36 463
36 011
38 946
38 883

Estimated living cost  is ₽18593 per week

₽12443
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1146
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽428
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4574
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
₽21658
₽19831
₽37861
₽29385
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
-
-
-
89 500
income
-
-
-
7 693
social contributions
-
-
-
26 134
solidarity contribution
-
-
-
-
health
-
-
-
12 082
total
-
-
-
45 909
Employee
34 941
-
66 791
-
solidarity contribution
-
-
-
-
income
4 193
-
8 015
-
social contributions
2 271
-
4 341
-
health
4 717
-
9 017
-
total
11 181
-
21 373
-
Employer
34 941
-
66 791
-
social contributions
8 735
-
16 698
-
health
3 145
-
6 011
-
total
11 880
-
22 709
-
Corporate
42 679
89 500
-
-
income
8 109
17 005
-
-
total
8 109
17 005
-
-
Dividends
34 570
72 495
-
-
withholding
5 185
10 874
-
-
total
5 185
10 874
-
-
Income
89 500
89 500
89 500
89 500
Total tax
36 355
27 879
44 082
45 909
After tax
53 145
61 621
45 418
43 591
Living cost
23 760
23 760
23 760
23 760
Free-cash
29 385
37 861
21 658
19 831

Estimated living cost  is ₽23760 per week

₽17669
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1316
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽411
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4363
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
₽61805
₽78810
₽75230
₽73393
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%.

-
-
-
89 500
microenterprise

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

-
-
-
895
total
-
-
-
895
Employee
12 243
-
89 500
-
income
2 449
-
17 900
-
total
2 449
-
17 900
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

We will register your company as part of a virtual zone. Your non-Georgian corporate tax will be zero. Turnover in Georgia will be taxed at 15%.

77 257
89 500
-
-
total
-
-
-
-
Dividends
77 257
89 500
-
-
withholding
3 863
4 475
-
-
total
3 863
4 475
-
-
Income
89 500
89 500
89 500
89 500
Total tax
6 312
4 475
17 900
895
After tax
83 188
85 025
71 600
88 605
Living cost
9 795
9 795
9 795
9 795
Free-cash
73 393
75 230
61 805
78 810

Estimated living cost  is ₽9795 per week

₽6628
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.
₽328
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
₽13893
₽9136
₽2757
₽8782
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
-
-
-
89 500
income
-
-
-
8 780
social contributions
-
-
-
2 549
health
-
-
-
1 757
surtax
-
-
-
-
pensions
-
-
-
22 150
other
-
-
-
2 777
total
-
-
-
38 013
Employee
54 919
-
72 592
-
income
4 792
-
10 784
-
social contributions
1 564
-
2 068
-
surtax
-
-
-
-
pensions
6 212
-
3 496
-
total
12 568
-
16 348
-
Employer
54 919
-
72 592
-
unemployment
2 225
-
2 940
-
social contributions
165
-
218
-
pensions
9 024
-
6 164
-
other
1 895
-
2 504
-
health
3 844
-
5 082
-
total
17 153
-
16 908
-
Corporate
17 429
89 500
-
-
income
4 880
25 060
-
-
surtax
-
-
-
-
total
4 880
25 060
-
-
Dividends
12 548
64 440
-
-
withholding
1 606
8 248
-
-
surtax
-
-
-
-
social contributions
2 160
11 084
-
-
total
3 766
19 332
-
-
Income
89 500
89 500
89 500
89 500
Total tax
38 367
44 392
33 256
38 013
After tax
51 133
45 108
56 244
51 487
Living cost
42 351
42 351
42 351
42 351
Free-cash
8 782
2 757
13 893
9 136

Estimated living cost  is ₽42351 per week

₽28662
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3464
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽581
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.
₽9643
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
₽32475
₽32475
₽49541
₽45240
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.

-
-
-
89 500
income
-
-
-
17 474
health
-
-
-
6 656
unemployment
-
-
-
969
pensions
-
-
-
16 803
total
-
-
-
41 902
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.

22 804
-
77 932
-
income
3 143
-
17 474
-
health
1 174
-
3 328
-
unemployment
171
-
485
-
pensions
3 193
-
9 047
-
total
7 681
-
30 334
-
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.

22 804
-
77 932
-
unemployment
171
-
485
-
pensions
2 736
-
7 755
-
health
1 174
-
3 328
-
total
4 081
-
11 568
-
Corporate
62 614
89 500
-
-
income
9 392
13 425
-
-
total
9 392
13 425
-
-
Dividends
53 222
76 075
-
-
withholding
7 983
11 411
-
-
total
7 983
11 411
-
-
Income
89 500
89 500
89 500
89 500
Total tax
29 137
24 836
41 902
41 902
After tax
60 363
64 664
47 598
47 598
Living cost
15 123
15 123
15 123
15 123
Free-cash
45 240
49 541
32 475
32 475

Estimated living cost  is ₽15123 per week

₽10182
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1170
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽438
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.
₽3333
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
₽8638
₽13078
-₽20281
₽5906
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
-
-
-
89 500
regional
-
-
-
3 328
national
-
-
-
717
health
-
-
-
201
city
-
-
-
943
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.

-
-
-
1 791
pensions
-
-
-
8 234
total
-
-
-
15 214
Employee
71 629
-
80 107
-
regional
2 345
-
2 841
-
city
769
-
860
-
health
162
-
181
-
unemployment
-
-
-
-
national
339
-
533
-
pensions
6 018
-
6 728
-
total
9 633
-
11 143
-
Employer
71 629
-
80 107
-
unemployment
-
-
-
-
pensions
6 018
-
6 728
-
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
-
1 602
-
health
162
-
181
-
total
7 612
-
8 511
-
Corporate
9 471
89 500
-
-
regional
2 003
18 929
-
-
national
805
7 607
-
-
total
2 808
26 536
-
-
Dividends
6 664
62 964
-
-
withholding
2 333
22 037
-
-
total
2 333
22 037
-
-
Income
89 500
89 500
89 500
89 500
Total tax
22 386
48 573
19 654
15 214
After tax
67 114
40 927
69 846
74 286
Living cost
61 208
61 208
61 208
61 208
Free-cash
5 906
-20 281
8 638
13 078

Estimated living cost  is ₽61208 per week

₽39803
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5493
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.
₽15161
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
₽17250
₽29685
₽25705
₽23987
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

-
-
-
89 500
municipal
-
-
-
15 928
national
-
-
-
9 210
health
-
-
-
1 012
total
-
-
-
26 150
Employee
46 133
-
75 293
-
health
344
-
794
-
unemployment
692
-
1 130
-
national
762
-
5 080
-
municipal
7 556
-
12 292
-
pensions
3 113
-
5 082
-
total
12 467
-
24 378
-
Employer
46 133
-
75 293
-
unemployment
300
-
489
-
pensions
8 004
-
13 064
-
accident
47
-
75
-
health
354
-
579
-
total
8 705
-
14 207
-
Corporate
34 663
89 500
-
-
income
6 932
17 900
-
-
total
6 932
17 900
-
-
Dividends

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

20 798
53 700
-
-
national
-
2 564
-
-
municipal
3 744
9 666
-
-
total
3 744
12 230
-
-
Income
89 500
89 500
89 500
89 500
Total tax
31 848
30 130
38 585
26 150
After tax
57 652
59 370
50 915
63 350
Living cost
33 665
33 665
33 665
33 665
Free-cash
23 987
25 705
17 250
29 685

Estimated living cost  is ₽33665 per week

₽21990
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3238
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽536
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.
₽7902
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
₽2811
₽9844
₽18218
₽5068
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
-
-
-
89 500
national
-
-
-
29 098
social contributions
-
-
-
14 061
communal

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

-
-
-
4 526
total
-
-
-
47 685
Employee

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

62 722
-
69 321
-
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.

2 947
-
3 258
-
communal

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

3 271
-
3 616
-
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.

546
-
602
-
national
19 283
-
21 864
-
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.

4 704
-
5 198
-
total
30 751
-
34 538
-
Employer

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

62 722
-
69 321
-
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.

915
-
1 012
-
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.

5 558
-
6 142
-
surtax
7 112
-
7 861
-
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.

815
-
902
-
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.

3 857
-
4 263
-
total
18 257
-
20 180
-
Corporate
8 521
89 500
-
-
income
1 704
17 900
-
-
surtax
33
358
-
-
total
1 737
18 258
-
-
Dividends
6 784
71 243
-
-
withholding

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

1 716
21 053
-
-
total
1 716
21 053
-
-
Income
89 500
89 500
89 500
89 500
Total tax
52 461
39 311
54 718
47 685
After tax
37 039
50 189
34 782
41 815
Living cost
31 971
31 971
31 971
31 971
Free-cash
5 068
18 218
2 811
9 844

Estimated living cost  is ₽31971 per week

₽20594
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2795
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽501
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8082
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
₽11947
₽10990
₽13019
₽12214
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
-
-
-
89 500
municipal
-
-
-
19 902
national
-
-
-
-
health
-
-
-
4 902
accident
-
-
-
157
unemployment
-
-
-
79
pensions
-
-
-
8 493
other
-
-
-
9 129
total
-
-
-
42 662
Employee
51 080
-
68 102
-
national
-
-
-
-
municipal
15 232
-
20 308
-
total
15 232
-
20 308
-
Employer
51 080
-
68 102
-
unemployment
1 348
-
1 798
-
pensions
5 522
-
7 362
-
other
5 936
-
7 913
-
accident
102
-
136
-
health
3 141
-
4 188
-
total
16 049
-
21 397
-
Corporate
22 370
89 500
-
-
income
4 922
19 690
-
-
total
4 922
19 690
-
-
Dividends
17 449
69 810
-
-
withholding
5 235
20 943
-
-
total
5 235
20 943
-
-
Income
89 500
89 500
89 500
89 500
Total tax
41 438
40 633
41 705
42 662
After tax
48 062
48 867
47 795
46 838
Living cost
35 848
35 848
35 848
35 848
Free-cash
12 214
13 019
11 947
10 990

Estimated living cost  is ₽35848 per week

₽23759
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3518
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽544
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8027
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
₽38850
₽23036
₽15636
-₽44633
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
-
-
-
89 500
income
-
-
-
17 445
social contributions
-
-
-
10 203
total
-
-
-
27 648
Employee
55 657
-
-
-
income
12 277
-
-
-
social contributions
4 564
-
650
-
total
16 841
-
650
-
Employer
55 657
-
-
-
social contributions
78 476
-
11 184
-
total
78 476
-
11 184
-
Corporate
-
89 500
-
-
income
-
19 690
-
-
total
-
19 690
-
-
Dividends
-
69 810
-
-
income
-
15 358
-
-
total
-
15 358
-
-
Income
89 500
89 500
89 500
89 500
Total tax
95 317
35 048
11 834
27 648
After tax
-5 817
54 452
77 666
61 852
Living cost
38 816
38 816
38 816
38 816
Free-cash
-44 633
15 636
38 850
23 036

Estimated living cost  is ₽38816 per week

₽25185
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3651
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.
₽9485
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
₽34713
₽34801
₽37061
₽33428
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
-
-
-
89 500
income
-
-
-
10 012
social contributions
-
-
-
13 963
health
-
-
-
2 283
total
-
-
-
26 258
Employee
67 426
67 426
81 253
-
income
7 080
6 242
9 974
-
social contributions
3 276
5 596
6 744
-
health
671
1 146
1 381
-
total
11 027
12 984
18 099
-
Employer
67 426
67 426
81 253
-
social contributions
3 276
5 596
6 744
-
health
730
1 248
1 503
-
total
4 006
6 844
8 247
-
Corporate
46 025
15 230
-
-
income
5 752
1 904
-
-
total
5 752
1 904
-
-
Dividends
40 273
13 327
-
-
withholding
6 846
2 266
-
-
total
6 846
2 266
-
-
Income
89 500
89 500
89 500
89 500
Total tax
27 631
23 998
26 346
26 258
After tax
61 869
65 502
63 154
63 242
Living cost
28 441
28 441
28 441
28 441
Free-cash
33 428
37 061
34 713
34 801

Estimated living cost  is ₽28441 per week

₽19442
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2221
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽478
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.
₽6300
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
₽24206
₽32204
₽33434
₽30515
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
-
-
-
89 500
income
-
-
-
19 108
pensions
-
-
-
6 465
total
-
-
-
25 573
Employee
43 544
-
78 747
-
income
7 930
-
13 982
-
health
568
-
1 290
-
pensions
3 324
-
7 548
-
total
11 822
-
22 820
-
Employer
43 544
-
78 747
-
pensions
4 399
-
9 256
-
health
828
-
1 495
-
total
5 227
-
10 751
-
Corporate
40 729
89 500
-
-
income

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

7 738
17 005
-
-
total
7 738
17 005
-
-
Dividends
32 991
72 495
-
-
withholding
2 475
7 338
-
-
total
2 475
7 338
-
-
Income
89 500
89 500
89 500
89 500
Total tax
27 262
24 343
33 571
25 573
After tax
62 238
65 157
55 929
63 927
Living cost
31 723
31 723
31 723
31 723
Free-cash
30 515
33 434
24 206
32 204

Estimated living cost  is ₽31723 per week

₽21762
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2917
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.
₽6645
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
₽5912
₽10006
₽12210
₽8221
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
-
-
-
89 500
municipal
-
-
-
599
regional
-
-
-
1 804
national
-
-
-
19 139
social contributions
-
-
-
23 020
total
-
-
-
44 562
Employee
73 889
-
89 500
-
regional
1 116
-
1 523
-
social contributions
24 915
-
30 180
-
national
12 487
-
16 419
-
municipal
441
-
534
-
total
38 959
-
48 656
-
Employer
73 889
-
89 500
-
total
-
-
-
-
Corporate
15 611
89 500
-
-
nationa
3 747
21 480
-
-
municipal
752
4 315
-
-
total
4 499
25 795
-
-
Dividends
11 112
63 705
-
-
withholding
2 889
16 563
-
-
total
2 889
16 563
-
-
Income
89 500
89 500
89 500
89 500
Total tax
46 347
42 358
48 656
44 562
After tax
43 153
47 142
40 844
44 938
Living cost
34 932
34 932
34 932
34 932
Free-cash
8 221
12 210
5 912
10 006

Estimated living cost  is ₽34932 per week

₽24537
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2403
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.
₽7463
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
₽28631
₽43330
-₽10802
₽4481
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
-
-
-
89 500
income
-
-
-
22 405
health
-
-
-
1 789
accident
-
-
-
207
pensions
-
-
-
3 414
other
-
-
-
304
total
-
-
-
28 119
Employee
28 396
-
77 276
-
income
3 896
-
15 487
-
health
3 251
-
8 848
-
pensions
3 197
-
6 260
-
total
10 344
-
30 595
-
Employer
28 396
-
77 276
-
unemployment
696
-
1 893
-
pensions
4 617
-
9 040
-
accident
474
-
1 290
-
total
5 787
-
12 223
-
Corporate
55 317
89 500
-
-
income

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

49 786
80 550
-
-
total
49 786
80 550
-
-
Dividends
5 532
8 950
-
-
withholding
1 051
1 701
-
-
total
1 051
1 701
-
-
Income
89 500
89 500
89 500
89 500
Total tax
66 968
82 251
42 818
28 119
After tax
22 532
7 249
46 682
61 381
Living cost
18 051
18 051
18 051
18 051
Free-cash
4 481
-10 802
28 631
43 330

Estimated living cost  is ₽18051 per week

₽13230
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.
₽3445
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
₽29638
₽22644
₽12314
₽23786
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.

-
-
-
89 500
income

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

-
-
-
18 976
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.

-
-
-
5 990
trade
-
-
-
6 994
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.

-
-
-
1 043
total
-
-
-
33 003
Employee

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

43 629
-
89 500
-
income

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

3 588
-
18 976
-
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.

5 990
-
5 990
-
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
-
1 043
-
total
9 776
-
26 009
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
45 871
89 500
-
-
chamber of commerce
200
265
-
-
income
6 881
13 425
-
-
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.

378
739
-
-
trade
6 583
12 843
-
-
total
14 042
27 272
-
-
Dividends
31 831
62 229
-
-
withholding
7 624
15 224
-
-
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.

419
837
-
-
total
8 043
16 061
-
-
Income
89 500
89 500
89 500
89 500
Total tax
31 861
43 333
26 009
33 003
After tax
57 639
46 167
63 491
56 497
Living cost
33 853
33 853
33 853
33 853
Free-cash
23 786
12 314
29 638
22 644

Estimated living cost  is ₽33853 per week

₽23352
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.
₽491
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6366
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
₽32183
₽29515
₽53358
₽46165
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.

-
-
-
89 500
microenterprise
-
-
-
-
income
-
-
-
12 969
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.

-
-
-
28 774
surtax
-
-
-
-
total
-
-
-
41 743
Employee
25 622
-
72 125
-
income
4 561
-
13 766
-
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.

2 819
-
7 934
-
surtax
-
-
-
-
total
7 380
-
21 700
-
Employer
25 622
-
72 125
-
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.

6 172
-
17 375
-
surtax
-
-
-
-
total
6 172
-
17 375
-
Corporate
57 706
89 500
-
-
income

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

11 541
17 900
-
-
total
11 541
17 900
-
-
Dividends

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

46 165
71 600
-
-
total
-
-
-
-
Income
89 500
89 500
89 500
89 500
Total tax
25 093
17 900
39 075
41 743
After tax
64 407
71 600
50 425
47 757
Living cost
18 242
18 242
18 242
18 242
Free-cash
46 165
53 358
32 183
29 515

Estimated living cost  is ₽18242 per week

₽11638
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1737
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.
₽4453
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
₽39367
₽40173
₽44507
₽42642
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
-
-
-
89 500
income
-
-
-
23 715
health
-
-
-
5 998
pensions
-
-
-
8 273
total
-
-
-
37 986
Employee
17 274
-
80 194
-
income
3 342
-
23 281
-
health
864
-
2 068
-
unemployment
173
-
414
-
pensions
1 555
-
3 723
-
total
5 934
-
29 486
-
Employer
17 274
-
80 194
-
unemployment
346
-
827
-
pensions
1 900
-
4 550
-
health
1 641
-
3 929
-
total
3 887
-
9 306
-
Corporate
68 339
89 500
-
-
income
15 035
19 690
-
-
total
15 035
19 690
-
-
Dividends
53 305
69 810
-
-
withholding
10 661
13 962
-
-
total
10 661
13 962
-
-
Income
89 500
89 500
89 500
89 500
Total tax
35 517
33 652
38 792
37 986
After tax
53 983
55 848
50 708
51 514
Living cost
11 341
11 341
11 341
11 341
Free-cash
42 642
44 507
39 367
40 173

Estimated living cost  is ₽11341 per week

₽6740
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽919
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.
₽3422
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
₽24425
₽26165
₽36602
₽33811
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
-
-
-
89 500
income
-
-
-
17 077
health
-
-
-
6 355
unemployment
-
-
-
200
surtax
-
-
-
2 108
pensions
-
-
-
17 900
other
-
-
-
-
total
-
-
-
43 640
Employee
29 529
-
73 935
-
other
-
-
-
-
income
4 950
-
15 941
-
health
754
-
1 885
-
unemployment
2 055
-
5 147
-
surtax
105
-
1 909
-
pensions
1 970
-
4 932
-
total
9 834
-
29 814
-
Employer
29 529
-
73 935
-
unemployment
937
-
2 345
-
pensions
3 937
-
9 856
-
other
-
-
-
-
health
1 343
-
3 365
-
total
6 217
-
15 566
-
Corporate
53 754
89 500
-
-
income
13 976
23 269
-
-
total
13 976
23 269
-
-
Dividends
39 778
66 231
-
-
withholding
5 967
9 934
-
-
total
5 967
9 934
-
-
Income
89 500
89 500
89 500
89 500
Total tax
35 994
33 203
45 380
43 640
After tax
53 506
56 297
44 120
45 860
Living cost
19 695
19 695
19 695
19 695
Free-cash
33 811
36 602
24 425
26 165

Estimated living cost  is ₽19695 per week

₽11891
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1712
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽458
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.
₽5636
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
-₽1027
₽17366
₽22259
₽21824
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
-
-
-
89 500
income
-
-
-
15 019
chamber of commerce
-
-
-
358
health
-
-