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
₽33785
₽24386
₽26555
₽38029
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
unemployment
-
-
-
525
income
-
-
-
18 188
other
-
-
-
75
accident
-
-
-
676
pensions
-
-
-
21 227
total
-
-
-
40 691
Employee
29 923
-
67 865
-
unemployment
464
-
1 052
-
pensions
1 407
-
3 190
-
income
5 769
-
16 915
-
other
29
-
68
-
total
7 669
-
21 225
-
Employer
29 923
-
67 865
-
pensions
7 061
-
16 016
-
accident
593
-
1 344
-
unemployment
1 646
-
3 733
-
other
240
-
542
-
total
9 540
-
21 635
-
Corporate
50 037
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.

7 505
13 425
-
-
total
7 505
13 425
-
-
Dividends
42 532
76 075
-
-
withholding
8 747
15 792
-
-
total
8 747
15 792
-
-
Income
89 500
89 500
89 500
89 500
Total tax
33 461
29 217
42 860
40 691
After tax
56 039
60 283
46 640
48 809
Living cost
22 254
22 254
22 254
22 254
Free-cash
33 785
38 029
24 386
26 555

Estimated living cost  is ₽22254 per week

₽15021
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2139
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽390
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.
₽4704
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
₽38727
₽30441
₽26735
₽44191
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
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
income
-
-
-
11 533
other
-
-
-
4 251
health
-
-
-
3 938
total
-
-
-
41 202
Employee
29 383
-
71 485
-
health
412
-
1 001
-
unemployment
293
-
714
-
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.

2 056
-
5 003
-
income
5 059
-
12 766
-
total
7 820
-
19 484
-
Employer
29 383
-
71 485
-
health
412
-
1 001
-
pensions

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

4 996
-
12 152
-
accident
235
-
571
-
unemployment
293
-
714
-
other
1 470
-
3 574
-
total
7 406
-
18 012
-
Corporate
52 712
89 500
-
-
income
11 069
18 796
-
-
total
11 069
18 796
-
-
Dividends
41 642
70 704
-
-
withholding
2 915
4 950
-
-
total
2 915
4 950
-
-
Income
89 500
89 500
89 500
89 500
Total tax
29 210
23 746
37 496
41 202
After tax
60 290
65 754
52 004
48 298
Living cost
21 563
21 563
21 563
21 563
Free-cash
38 727
44 191
30 441
26 735

Estimated living cost  is ₽21563 per week

₽15236
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1456
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽347
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.
₽4524
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
₽62138
₽60833
₽57898
₽65901
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
pensions

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

-
-
-
4 188
unemployment
-
-
-
113
income
-
-
-
13 425
health
-
-
-
3 254
total
-
-
-
20 980
Employee
14 065
-
83 948
-
health
647
-
1 302
-
accident

We are using the highest rate at 1.1%.

155
-
311
-
pensions

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

1 235
-
2 485
-
income
1 406
-
8 395
-
total
3 443
-
12 493
-
Employer
14 065
-
83 948
-
health
971
-
1 953
-
pensions

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

1 550
-
3 118
-
accident

We are using the highest rate at 1.1%.

155
-
311
-
unemployment
84
-
170
-
total
2 760
-
5 552
-
Corporate
72 675
89 500
-
-
income
7 267
8 950
-
-
total
7 267
8 950
-
-
Dividends
65 407
80 550
-
-
withholding
3 270
4 027
-
-
total
3 270
4 027
-
-
Income
89 500
89 500
89 500
89 500
Total tax
16 740
12 977
18 045
20 980
After tax
72 760
76 523
71 455
68 520
Living cost
10 622
10 622
10 622
10 622
Free-cash
62 138
65 901
60 833
57 898

Estimated living cost  is ₽10622 per week

₽6201
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽759
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽281
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.
₽3381
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
₽22203
₽27358
₽23609
₽17422
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
-
-
-
9 737
other
-
-
-
2 775
health
-
-
-
2 128
social contributions
-
-
-
2 549
pensions
-
-
-
21 015
surtax
-
-
-
-
total
-
-
-
38 204
Employee
34 635
-
72 157
-
pensions
3 916
-
3 749
-
income
2 044
-
11 307
-
social contributions
987
-
2 056
-
surtax
-
-
-
-
total
6 947
-
17 112
-
Employer
34 635
-
72 157
-
health
2 425
-
5 175
-
social contributions
104
-
217
-
pensions
5 690
-
6 540
-
unemployment
1 402
-
2 922
-
other
1 195
-
2 489
-
total
10 816
-
17 343
-
Corporate
44 049
89 500
-
-
income
12 333
25 060
-
-
surtax
-
-
-
-
total
12 333
25 060
-
-
Dividends
31 716
64 440
-
-
social contributions
5 455
11 083
-
-
surtax
-
-
-
-
withholding
4 059
8 248
-
-
total
9 514
19 331
-
-
Income
89 500
89 500
89 500
89 500
Total tax
39 610
44 391
34 455
38 204
After tax
49 890
45 109
55 045
51 296
Living cost
27 687
27 687
27 687
27 687
Free-cash
22 203
17 422
27 358
23 609

Estimated living cost  is ₽27687 per week

₽17458
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2251
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽471
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7508
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
₽4662
₽12045
₽17058
₽9618
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
pensions
-
-
-
9 481
income
-
-
-
19 081
health
-
-
-
9 979
total
-
-
-
38 541
Employee
69 107
69 107
76 164
-
health
10 607
9 022
9 425
-
pensions
12 439
9 481
9 481
-
income

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

11 312
11 312
11 312
-
total
34 358
29 815
30 218
-
Employer
69 107
69 107
76 164
-
health
4 804
4 804
5 294
-
pensions
4 810
4 810
5 301
-
unemployment
2 488
2 488
2 741
-
total
12 102
12 102
13 336
-
Corporate
9 139
8 292
-
-
income
1 827
1 659
-
-
total
1 827
1 659
-
-
Dividends
7 312
6 633
-
-
income
1 554
1 410
-
-
withholding
1 096
995
-
-
total
2 650
2 405
-
-
Income
89 500
89 500
89 500
89 500
Total tax
50 937
45 981
43 554
38 541
After tax
38 563
43 519
45 946
50 959
Living cost
33 901
33 901
33 901
33 901
Free-cash
4 662
9 618
12 045
17 058

Estimated living cost  is ₽33901 per week

₽24025
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3056
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽539
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.
₽6281
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
₽29664
₽38038
₽29868
₽20715
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
trade
-
-
-
8 170
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.

-
-
-
20 305
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.

-
-
-
5 529
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.

-
-
-
1 116
total
-
-
-
35 120
Employee

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

30 952
-
89 500
-
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.

5 529
-
5 529
-
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.

865
-
20 305
-
surtax

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

48
-
1 116
-
total
6 442
-
26 950
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
58 548
89 500
-
-
income
8 783
13 425
-
-
trade
9 222
14 096
-
-
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.

484
739
-
-
chamber of commerce
207
252
-
-
total
18 696
28 512
-
-
Dividends
39 852
60 988
-
-
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.

531
822
-
-
withholding
9 655
14 939
-
-
total
10 186
15 761
-
-
Income
89 500
89 500
89 500
89 500
Total tax
35 324
44 273
26 950
35 120
After tax
54 176
45 227
62 550
54 380
Living cost
24 512
24 512
24 512
24 512
Free-cash
29 664
20 715
38 038
29 868

Estimated living cost  is ₽24512 per week

₽15419
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2858
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.
₽5777
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
₽42323
₽43497
₽44194
₽46727
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
-
-
-
11 195
health
-
-
-
2 282
social contributions
-
-
-
13 093
total
-
-
-
26 570
Employee
62 228
62 228
81 253
-
health
482
1 058
1 381
-
income
6 776
5 760
10 897
-
social contributions
2 353
5 165
6 743
-
total
9 611
11 983
19 021
-
Employer
62 228
62 228
81 253
-
health
524
1 152
1 503
-
social contributions
2 353
5 165
6 743
-
total
2 877
6 317
8 246
-
Corporate
58 277
20 956
-
-
income
7 284
2 620
-
-
total
7 284
2 620
-
-
Dividends
50 993
18 336
-
-
withholding
8 669
3 117
-
-
total
8 669
3 117
-
-
Income
89 500
89 500
89 500
89 500
Total tax
28 441
24 037
27 267
26 570
After tax
61 059
65 463
62 233
62 930
Living cost
18 736
18 736
18 736
18 736
Free-cash
42 323
46 727
43 497
44 194

Estimated living cost  is ₽18736 per week

₽11229
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1838
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽415
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5255
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
₽24709
₽19166
₽24258
₽25523
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
-
-
-
8 757
social contributions

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

-
-
-
31 101
surtax
-
-
-
-
total
-
-
-
39 858
Employee
37 219
-
72 323
-
income
7 742
-
19 818
-
social contributions
4 094
-
7 955
-
surtax
-
-
-
-
total
11 836
-
27 773
-
Employer
37 219
-
72 323
-
social contributions
8 840
-
17 177
-
total
8 840
-
17 177
-
Corporate
43 441
89 500
-
-
income
9 122
18 796
-
-
surtax
-
-
-
-
total
9 122
18 796
-
-
Dividends
34 319
70 704
-
-
withholding
9 609
19 797
-
-
total
9 609
19 797
-
-
Income
89 500
89 500
89 500
89 500
Total tax
39 407
38 593
44 950
39 858
After tax
50 093
50 907
44 550
49 642
Living cost
25 384
25 384
25 384
25 384
Free-cash
24 709
25 523
19 166
24 258

Estimated living cost  is ₽25384 per week

₽18992
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1497
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽424
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.
₽4470
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
₽77844
₽65553
₽82558
₽78978
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
7 559
-
89 500
-
income
1 512
-
17 900
-
total
1 512
-
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%.

81 941
89 500
-
-
total
-
-
-
-
Dividends
81 941
89 500
-
-
withholding
4 097
4 475
-
-
total
4 097
4 475
-
-
Income
89 500
89 500
89 500
89 500
Total tax
5 609
4 475
17 900
895
After tax
83 891
85 025
71 600
88 605
Living cost
6 047
6 047
6 047
6 047
Free-cash
77 844
78 978
65 553
82 558

Estimated living cost  is ₽6047 per week

₽3748
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽503
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽166
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.
₽1631
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
₽33146
₽21659
₽24224
₽39915
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
pensions
-
-
-
16 345
unemployment
-
-
-
134
income
-
-
-
18 285
health
-
-
-
8 806
total
-
-
-
43 570
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.

35 785
-
77 443
-
health
2 311
-
5 002
-
unemployment
51
-
109
-
pensions
5 547
-
12 003
-
income
6 171
-
16 964
-
total
14 080
-
34 078
-
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.

35 785
-
77 443
-
health
2 383
-
5 157
-
pensions
3 167
-
6 854
-
unemployment
21
-
46
-
total
5 571
-
12 057
-
Corporate
48 143
89 500
-
-
income
9 147
17 005
-
-
total
9 147
17 005
-
-
Dividends
38 996
72 495
-
-
withholding
5 850
10 874
-
-
total
5 850
10 874
-
-
Income
89 500
89 500
89 500
89 500
Total tax
34 648
27 879
46 135
43 570
After tax
54 852
61 621
43 365
45 930
Living cost
21 706
21 706
21 706
21 706
Free-cash
33 146
39 915
21 659
24 224

Estimated living cost  is ₽21706 per week

₽14896
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1391
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽421
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.
₽4999
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
₽27354
₽36487
₽31963
₽24524
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
-
-
-
23 036
health

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

-
-
-
5 125
total
-
-
-
28 161
Employee
37 124
-
85 777
-
social contributions
3 719
-
3 723
-
income
4 028
-
16 191
-
total
7 747
-
19 914
-
Employer
37 124
-
85 777
-
social contributions
3 719
-
3 723
-
total
3 719
-
3 723
-
Corporate
48 657
89 500
-
-
income
17 029
31 325
-
-
total
17 029
31 325
-
-
Dividends
31 627
58 175
-
-
social contributions
4 275
4 275
-
-
total
4 275
4 275
-
-
Income
89 500
89 500
89 500
89 500
Total tax
32 770
35 600
23 637
28 161
After tax
56 730
53 900
65 863
61 339
Living cost
29 376
29 376
29 376
29 376
Free-cash
27 354
24 524
36 487
31 963

Estimated living cost  is ₽29376 per week

₽19350
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2316
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽450
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.
₽7259
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
₽37862
₽40029
₽40316
₽37444
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
-
-
-
6 247
social contributions
-
-
-
12 352
total
-
-
-
32 024
Employee
27 438
-
89 500
-
health
1 915
-
6 247
-
income
4 576
-
13 712
-
social contributions
3 787
-
12 352
-
total
10 278
-
32 311
-
Employer
27 438
-
89 500
-
total
-
-
-
-
Corporate
62 062
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%.

3 104
4 475
-
-
total
3 104
4 475
-
-
Dividends
58 958
85 025
-
-
social contributions
8 136
11 733
-
-
withholding
8 844
12 754
-
-
health
4 116
5 934
-
-
total
21 096
30 421
-
-
Income
89 500
89 500
89 500
89 500
Total tax
34 478
34 896
32 311
32 024
After tax
55 022
54 604
57 189
57 476
Living cost
17 160
17 160
17 160
17 160
Free-cash
37 862
37 444
40 029
40 316

Estimated living cost  is ₽17160 per week

₽11484
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1058
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽395
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4222
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
₽30950
₽22812
₽20985
₽39015
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
health
-
-
-
12 082
social contributions
-
-
-
26 134
solidarity contribution
-
-
-
-
total
-
-
-
45 909
Employee
33 244
-
66 791
-
health
4 488
-
9 017
-
solidarity contribution
-
-
-
-
income
3 989
-
8 015
-
social contributions
2 161
-
4 341
-
total
10 638
-
21 373
-
Employer
33 244
-
66 791
-
health
2 992
-
6 011
-
social contributions
8 311
-
16 698
-
total
11 303
-
22 709
-
Corporate
44 953
89 500
-
-
income
8 541
17 005
-
-
total
8 541
17 005
-
-
Dividends
36 412
72 495
-
-
withholding
5 462
10 874
-
-
total
5 462
10 874
-
-
Income
89 500
89 500
89 500
89 500
Total tax
35 944
27 879
44 082
45 909
After tax
53 556
61 621
45 418
43 591
Living cost
22 606
22 606
22 606
22 606
Free-cash
30 950
39 015
22 812
20 985

Estimated living cost  is ₽22606 per week

₽16811
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1252
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽391
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4151
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
₽73834
₽62176
₽79181
₽75601
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
11 780
-
89 500
-
income
2 356
-
17 900
-
total
2 356
-
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%.

77 720
89 500
-
-
total
-
-
-
-
Dividends
77 720
89 500
-
-
withholding
3 886
4 475
-
-
total
3 886
4 475
-
-
Income
89 500
89 500
89 500
89 500
Total tax
6 242
4 475
17 900
895
After tax
83 258
85 025
71 600
88 605
Living cost
9 424
9 424
9 424
9 424
Free-cash
73 834
75 601
62 176
79 181

Estimated living cost  is ₽9424 per week

₽6377
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽396
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽316
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.
₽2335
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
₽11586
₽15959
₽12210
₽6023
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
-
-
-
9 737
other
-
-
-
2 775
health
-
-
-
2 128
social contributions
-
-
-
2 549
pensions
-
-
-
21 015
surtax
-
-
-
-
total
-
-
-
38 204
Employee
50 685
-
72 157
-
pensions
5 733
-
3 749
-
income
4 422
-
11 307
-
social contributions
1 444
-
2 056
-
surtax
-
-
-
-
total
11 599
-
17 112
-
Employer
50 685
-
72 157
-
health
3 547
-
5 175
-
social contributions
152
-
217
-
pensions
8 328
-
6 540
-
unemployment
2 053
-
2 922
-
other
1 749
-
2 489
-
total
15 829
-
17 343
-
Corporate
22 985
89 500
-
-
income
6 436
25 060
-
-
surtax
-
-
-
-
total
6 436
25 060
-
-
Dividends
16 549
64 440
-
-
social contributions
2 846
11 083
-
-
surtax
-
-
-
-
withholding
2 118
8 248
-
-
total
4 964
19 331
-
-
Income
89 500
89 500
89 500
89 500
Total tax
38 828
44 391
34 455
38 204
After tax
50 672
45 109
55 045
51 296
Living cost
39 086
39 086
39 086
39 086
Free-cash
11 586
6 023
15 959
12 210

Estimated living cost  is ₽39086 per week

₽26453
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3197
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.
₽8899
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
₽46753
₽34477
₽34477
₽50720
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
pensions
-
-
-
15 493
unemployment
-
-
-
894
income
-
-
-
18 554
health
-
-
-
6 138
total
-
-
-
41 079
Employee

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

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

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

21 027
-
78 834
-
health
1 083
-
3 069
-
unemployment
158
-
447
-
pensions
2 944
-
8 342
-
income
2 898
-
18 554
-
total
7 083
-
30 412
-
Employer

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

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

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

21 027
-
78 834
-
health
1 083
-
3 069
-
pensions
2 523
-
7 151
-
unemployment
158
-
447
-
total
3 764
-
10 667
-
Corporate
64 709
89 500
-
-
income
9 706
13 425
-
-
total
9 706
13 425
-
-
Dividends
55 003
76 075
-
-
withholding
8 250
11 411
-
-
total
8 250
11 411
-
-
Income
89 500
89 500
89 500
89 500
Total tax
28 803
24 836
41 079
41 079
After tax
60 697
64 664
48 421
48 421
Living cost
13 944
13 944
13 944
13 944
Free-cash
46 753
50 720
34 477
34 477

Estimated living cost  is ₽13944 per week

₽9389
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1079
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽403
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.
₽3073
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
₽8701
₽13227
₽17674
-₽15401
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
pensions
-
-
-
8 233
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.

-
-
-
1 790
health
-
-
-
201
regional
-
-
-
3 505
national
-
-
-
827
total
-
-
-
15 499
Employee
65 917
-
80 107
-
health
149
-
181
-
unemployment
-
-
-
-
city
707
-
861
-
pensions
5 538
-
6 730
-
regional
2 158
-
3 018
-
national
312
-
644
-
total
8 864
-
11 434
-
Employer
65 917
-
80 107
-
health
149
-
181
-
pensions
5 538
-
6 730
-
unemployment
-
-
-
-
other

This will depend on a canton and a chosen fund. The rate is between 0.1% and 3.63% for an employee. We use 2% as an average rate.

1 318
-
1 601
-
total
7 005
-
8 512
-
Corporate
15 853
89 500
-
-
regional
3 353
18 929
-
-
national
1 347
7 608
-
-
total
4 700
26 537
-
-
Dividends
11 153
62 963
-
-
withholding
3 903
22 037
-
-
total
3 903
22 037
-
-
Income
89 500
89 500
89 500
89 500
Total tax
24 472
48 574
19 946
15 499
After tax
65 028
40 926
69 554
74 001
Living cost
56 327
56 327
56 327
56 327
Free-cash
8 701
-15 401
13 227
17 674

Estimated living cost  is ₽56327 per week

₽36629
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5055
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽692
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.
₽13952
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
₽26913
₽19252
₽31525
₽27784
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
-
-
-
15 922
health
-
-
-
1 041
national
-
-
-
9 943
total
-
-
-
26 906
Employee
42 576
-
75 292
-
health
318
-
822
-
unemployment
639
-
1 129
-
pensions
2 873
-
5 082
-
national
703
-
5 651
-
municipal
6 974
-
12 287
-
total
11 507
-
24 971
-
Employer
42 576
-
75 292
-
health
327
-
580
-
pensions
7 387
-
13 063
-
accident
43
-
75
-
unemployment
276
-
490
-
total
8 033
-
14 208
-
Corporate
38 890
89 500
-
-
income
7 778
17 900
-
-
total
7 778
17 900
-
-
Dividends

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

23 334
53 700
-
-
municipal
4 200
9 666
-
-
national
-
3 081
-
-
total
4 200
12 747
-
-
Income
89 500
89 500
89 500
89 500
Total tax
31 518
30 647
39 179
26 906
After tax
57 982
58 853
50 321
62 594
Living cost
31 069
31 069
31 069
31 069
Free-cash
26 913
27 784
19 252
31 525

Estimated living cost  is ₽31069 per week

₽20294
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2988
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.
₽7293
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
₽8521
₽4875
₽11484
₽20658
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
communal

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

-
-
-
4 504
social contributions
-
-
-
14 425
national
-
-
-
29 581
total
-
-
-
48 510
Employee

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

57 886
-
69 319
-
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.

2 720
-
3 257
-
communal

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

3 019
-
3 615
-
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.

504
-
604
-
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.

4 341
-
5 198
-
national
17 797
-
22 269
-
total
28 381
-
34 943
-
Employer

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

57 886
-
69 319
-
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.

3 560
-
4 263
-
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.

5 129
-
6 141
-
surtax
6 564
-
7 860
-
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.

752
-
900
-
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.

845
-
1 012
-
total
16 850
-
20 176
-
Corporate
14 764
89 500
-
-
income
2 953
17 900
-
-
surtax
58
358
-
-
total
3 011
18 258
-
-
Dividends
11 752
71 242
-
-
withholding

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

3 231
21 078
-
-
total
3 231
21 078
-
-
Income
89 500
89 500
89 500
89 500
Total tax
51 473
39 336
55 119
48 510
After tax
38 027
50 164
34 381
40 990
Living cost
29 506
29 506
29 506
29 506
Free-cash
8 521
20 658
4 875
11 484

Estimated living cost  is ₽29506 per week

₽19006
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2580
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽462
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7459
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
₽13189
₽12900
₽12367
₽13972
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
unemployment
-
-
-
77
municipal
-
-
-
20 082
other
-
-
-
8 887
health
-
-
-
4 772
national
-
-
-
-
accident
-
-
-
153
pensions
-
-
-
8 267
total
-
-
-
42 238
Employee
49 722
-
68 102
-
national
-
-
-
-
municipal
14 827
-
20 308
-
total
14 827
-
20 308
-
Employer
49 722
-
68 102
-
health
3 058
-
4 188
-
pensions
5 375
-
7 362
-
accident
99
-
136
-
unemployment
1 313
-
1 798
-
other
5 778
-
7 913
-
total
15 623
-
21 397
-
Corporate
24 155
89 500
-
-
income
5 314
19 690
-
-
total
5 314
19 690
-
-
Dividends
18 841
69 810
-
-
withholding
5 652
20 943
-
-
total
5 652
20 943
-
-
Income
89 500
89 500
89 500
89 500
Total tax
41 416
40 633
41 705
42 238
After tax
48 084
48 867
47 795
47 262
Living cost
34 895
34 895
34 895
34 895
Free-cash
13 189
13 972
12 900
12 367

Estimated living cost  is ₽34895 per week

₽23127
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3424
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽530
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.
₽7814
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
-₽43102
₽39428
₽23479
₽16079
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
55 021
-
-
-
income
12 137
-
-
-
social contributions
4 512
-
643
-
total
16 649
-
643
-
Employer
55 021
-
-
-
social contributions
77 580
-
11 056
-
total
77 580
-
11 056
-
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
94 229
35 048
11 699
27 648
After tax
-4 729
54 452
77 801
61 852
Living cost
38 373
38 373
38 373
38 373
Free-cash
-43 102
16 079
39 428
23 479

Estimated living cost  is ₽38373 per week

₽24898
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3609
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽489
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.
₽9377
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
₽35860
₽35985
₽36682
₽39215
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
-
-
-
11 195
health
-
-
-
2 282
social contributions
-
-
-
13 093
total
-
-
-
26 570
Employee
62 228
62 228
81 253
-
health
619
1 058
1 381
-
income
6 534
5 760
10 897
-
social contributions
3 024
5 165
6 743
-
total
10 177
11 983
19 021
-
Employer
62 228
62 228
81 253
-
health
674
1 152
1 503
-
social contributions
3 024
5 165
6 743
-
total
3 698
6 317
8 246
-
Corporate
49 377
20 956
-
-
income
6 172
2 620
-
-
total
6 172
2 620
-
-
Dividends
43 205
18 336
-
-
withholding
7 345
3 117
-
-
total
7 345
3 117
-
-
Income
89 500
89 500
89 500
89 500
Total tax
27 392
24 037
27 267
26 570
After tax
62 108
65 463
62 233
62 930
Living cost
26 248
26 248
26 248
26 248
Free-cash
35 860
39 215
35 985
36 682

Estimated living cost  is ₽26248 per week

₽17943
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2050
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽441
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.
₽5814
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
₽33741
₽25704
₽34007
₽34801
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
-
-
-
20 518
pensions
-
-
-
6 052
total
-
-
-
26 570
Employee
39 701
-
78 624
-
health
518
-
1 315
-
pensions
3 030
-
7 701
-
income
7 230
-
14 981
-
total
10 778
-
23 997
-
Employer
39 701
-
78 624
-
health
755
-
1 494
-
pensions
4 011
-
9 382
-
total
4 766
-
10 876
-
Corporate
45 034
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.

8 557
17 005
-
-
total
8 557
17 005
-
-
Dividends
36 477
72 495
-
-
withholding
2 735
8 771
-
-
total
2 735
8 771
-
-
Income
89 500
89 500
89 500
89 500
Total tax
26 836
25 776
34 873
26 570
After tax
62 664
63 724
54 627
62 930
Living cost
28 923
28 923
28 923
28 923
Free-cash
33 741
34 801
25 704
34 007

Estimated living cost  is ₽28923 per week

₽19841
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2660
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽362
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.
₽6059
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
₽11221
₽8072
₽12165
₽14903
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
-
-
-
1 867
social contributions
-
-
-
23 019
national
-
-
-
19 611
total
-
-
-
45 096
Employee
68 193
-
89 500
-
social contributions
22 994
-
30 180
-
regional
1 030
-
1 585
-
national
11 524
-
16 890
-
municipal
407
-
534
-
total
35 955
-
49 189
-
Employer
68 193
-
89 500
-
total
-
-
-
-
Corporate
21 307
89 500
-
-
nationa
5 114
21 480
-
-
municipal
1 027
4 314
-
-
total
6 141
25 794
-
-
Dividends
15 166
63 706
-
-
withholding
3 944
16 564
-
-
total
3 944
16 564
-
-
Income
89 500
89 500
89 500
89 500
Total tax
46 040
42 358
49 189
45 096
After tax
43 460
47 142
40 311
44 404
Living cost
32 239
32 239
32 239
32 239
Free-cash
11 221
14 903
8 072
12 165

Estimated living cost  is ₽32239 per week

₽22646
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2218
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.
₽6888
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
₽4620
₽29800
₽44216
-₽9889
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
pensions
-
-
-
3 241
income
-
-
-
22 720
other
-
-
-
289
health
-
-
-
1 699
accident
-
-
-
197
total
-
-
-
28 146
Employee
26 959
-
77 715
-
health
3 087
-
8 899
-
pensions
3 036
-
5 943
-
income
3 699
-
15 936
-
total
9 822
-
30 778
-
Employer
26 959
-
77 715
-
pensions
4 384
-
8 582
-
accident
450
-
1 298
-
unemployment
660
-
1 904
-
total
5 494
-
11 784
-
Corporate
57 047
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.

51 342
80 550
-
-
total
51 342
80 550
-
-
Dividends
5 705
8 950
-
-
withholding
1 084
1 701
-
-
total
1 084
1 701
-
-
Income
89 500
89 500
89 500
89 500
Total tax
67 742
82 251
42 562
28 146
After tax
21 758
7 249
46 938
61 354
Living cost
17 138
17 138
17 138
17 138
Free-cash
4 620
-9 889
29 800
44 216

Estimated living cost  is ₽17138 per week

₽12561
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽950
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽358
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.
₽3270
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
₽25492
₽31307
₽23863
₽14906
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
trade
-
-
-
7 444
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.

-
-
-
20 305
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.

-
-
-
5 529
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.

-
-
-
1 116
total
-
-
-
34 394
Employee

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

40 265
-
89 500
-
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.

5 529
-
5 529
-
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.

3 311
-
20 305
-
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.

183
-
1 116
-
total
9 023
-
26 950
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
49 235
89 500
-
-
income
7 385
13 425
-
-
trade
7 066
12 843
-
-
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.

405
739
-
-
chamber of commerce
195
253
-
-
total
15 051
27 260
-
-
Dividends
34 183
62 240
-
-
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.

453
838
-
-
withholding
8 238
15 253
-
-
total
8 691
16 091
-
-
Income
89 500
89 500
89 500
89 500
Total tax
32 765
43 351
26 950
34 394
After tax
56 735
46 149
62 550
55 106
Living cost
31 243
31 243
31 243
31 243
Free-cash
25 492
14 906
31 307
23 863

Estimated living cost  is ₽31243 per week

₽21552
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3362
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽453
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5876
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
₽48127
₽33513
₽30843
₽54764
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
income
-
-
-
13 046
microenterprise
-
-
-
-
social contributions

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

-
-
-
28 775
surtax
-
-
-
-
total
-
-
-
41 821
Employee
23 647
-
72 125
-
income
4 209
-
13 843
-
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.

2 601
-
7 933
-
surtax
-
-
-
-
total
6 810
-
21 776
-
Employer
23 647
-
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.

5 696
-
17 375
-
surtax
-
-
-
-
total
5 696
-
17 375
-
Corporate
60 157
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%.

12 031
17 900
-
-
total
12 031
17 900
-
-
Dividends

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

48 127
71 600
-
-
total
-
-
-
-
Income
89 500
89 500
89 500
89 500
Total tax
24 537
17 900
39 151
41 821
After tax
64 963
71 600
50 349
47 679
Living cost
16 836
16 836
16 836
16 836
Free-cash
48 127
54 764
33 513
30 843

Estimated living cost  is ₽16836 per week

₽10741
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1603
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽382
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4110
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
₽44278
₽41693
₽42399
₽45909
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
-
-
-
24 656
health
-
-
-
5 256
pensions
-
-
-
7 250
total
-
-
-
37 162
Employee
15 138
-
81 344
-
health
757
-
1 812
-
unemployment
151
-
363
-
pensions
1 362
-
3 262
-
income
2 928
-
24 275
-
total
5 198
-
29 712
-
Employer
15 138
-
81 344
-
health
1 438
-
3 444
-
pensions
1 665
-
3 987
-
unemployment
303
-
725
-
total
3 406
-
8 156
-
Corporate
70 955
89 500
-
-
income
15 610
19 690
-
-
total
15 610
19 690
-
-
Dividends
55 345
69 810
-
-
withholding
11 069
13 962
-
-
total
11 069
13 962
-
-
Income
89 500
89 500
89 500
89 500
Total tax
35 283
33 652
37 868
37 162
After tax
54 217
55 848
51 632
52 338
Living cost
9 939
9 939
9 939
9 939
Free-cash
44 278
45 909
41 693
42 399

Estimated living cost  is ₽9939 per week

₽5906
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽806
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽228
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.
₽2999
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
₽35544
₽25196
₽26663
₽38117
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
pensions
-
-
-
17 900
unemployment
-
-
-
184
income
-
-
-
17 913
other
-
-
-
-
health
-
-
-
6 355
surtax
-
-
-
2 308
total
-
-
-
44 660
Employee
27 253
-
73 937
-
health
696
-
1 886
-
unemployment
1 897
-
5 146
-
pensions
1 818
-
4 931
-
income
4 569
-
16 524
-
other
-
-
-
-
surtax
97
-
2 078
-
total
9 077
-
30 565
-
Employer
27 253
-
73 937
-
health
1 239
-
3 363
-
pensions
3 633
-
9 856
-
unemployment
865
-
2 343
-
other
-
-
-
-
total
5 737
-
15 562
-
Corporate
56 510
89 500
-
-
income
14 692
23 271
-
-
total
14 692
23 271
-
-
Dividends
41 818
66 229
-
-
withholding
6 273
9 935
-
-
total
6 273
9 935
-
-
Income
89 500
89 500
89 500
89 500
Total tax
35 779
33 206
46 127
44 660
After tax
53 721
56 294
43 373
44 840
Living cost
18 177
18 177
18 177
18 177
Free-cash
35 544
38 117
25 196
26 663

Estimated living cost  is ₽18177 per week

₽10974
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1580
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.
₽5201
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
₽23896
₽260
₽18956
₽24298
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
pensions
-
-
-
16 558
chamber of commerce
-
-
-
358
unemployment
-