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
₽ 9000
per

Your estimated
City
free-cash

Valencia , Spain
-₽25700
-₽20911
-₽17501
-₽33023
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
-
-
-
9 000
income
-
-
-
654
accident
-
-
-
167
unemployment
-
-
-
129
pensions
-
-
-
5 245
other
-
-
-
18
total
-
-
-
6 213
Employee
31 866
-
-
-
other
31
-
29
-
income
6 143
-
-
-
unemployment
494
-
446
-
pensions
1 498
-
1 352
-
total
8 166
-
1 827
-
Employer
31 866
-
-
-
unemployment
1 753
-
1 583
-
pensions
7 520
-
6 792
-
other
255
-
231
-
accident
631
-
569
-
total
10 159
-
9 175
-
Corporate
-
9 000
-
-
income

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

-
1 349
-
-
total
-
1 349
-
-
Dividends
-
7 651
-
-
withholding
-
1 454
-
-
total
-
1 454
-
-
Income
9 000
9 000
9 000
9 000
Total tax
18 325
2 803
11 002
6 213
After tax
-9 325
6 197
-2 002
2 787
Living cost
23 698
23 698
23 698
23 698
Free-cash
-33 023
-17 501
-25 700
-20 911

Estimated living cost  is ₽23698 per week

₽15996
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2278
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.
₽5009
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
-₽17750
-₽18185
-₽16351
-₽30175
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
-
-
-
9 000
income
-
-
-
1 120
health
-
-
-
412
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.

-
-
-
2 245
other
-
-
-
445
total
-
-
-
4 222
Employee
31 291
-
7 103
-
income
5 387
-
1 223
-
health
438
-
100
-
unemployment
312
-
70
-
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.

2 190
-
497
-
total
8 327
-
1 890
-
Employer
31 291
-
7 103
-
unemployment
312
-
70
-
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.

5 320
-
1 207
-
other
1 565
-
463
-
accident
250
-
57
-
health
438
-
100
-
total
7 885
-
1 897
-
Corporate
-
9 000
-
-
income
-
1 891
-
-
total
-
1 891
-
-
Dividends
-
7 109
-
-
withholding
-
497
-
-
total
-
497
-
-
Income
9 000
9 000
9 000
9 000
Total tax
16 212
2 388
3 787
4 222
After tax
-7 212
6 612
5 213
4 778
Living cost
22 963
22 963
22 963
22 963
Free-cash
-30 175
-16 351
-17 750
-18 185

Estimated living cost  is ₽22963 per week

₽16225
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1550
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽370
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4818
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
-₽5612
-₽6048
-₽3600
-₽8890
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
-
-
-
9 000
income
-
-
-
1 350
health
-
-
-
1 035
unemployment
-
-
-
36
pensions

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

-
-
-
1 332
total
-
-
-
3 753
Employee
14 956
-
7 524
-
income
1 495
-
752
-
health
688
-
346
-
accident

We are using the highest rate at 1.1%.

165
-
83
-
pensions

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

1 313
-
660
-
total
3 661
-
1 841
-
Employer
14 956
-
7 524
-
unemployment
89
-
45
-
pensions

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

1 648
-
829
-
accident

We are using the highest rate at 1.1%.

165
-
83
-
health
1 032
-
519
-
total
2 934
-
1 476
-
Corporate
-
9 000
-
-
income
-
900
-
-
total
-
900
-
-
Dividends
-
8 100
-
-
withholding
-
405
-
-
total
-
405
-
-
Income
9 000
9 000
9 000
9 000
Total tax
6 595
1 305
3 317
3 753
After tax
2 405
7 695
5 683
5 247
Living cost
11 295
11 295
11 295
11 295
Free-cash
-8 890
-3 600
-5 612
-6 048

Estimated living cost  is ₽11295 per week

₽6594
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽807
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽299
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.
₽3595
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
-₽23598
-₽24949
-₽24949
-₽39401
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
-
-
-
9 000
income
-
-
-
-
social contributions
-
-
-
257
health
-
-
-
229
surtax
-
-
-
-
pensions
-
-
-
3 698
other
-
-
-
280
total
-
-
-
4 464
Employee
36 883
-
6 854
-
income
2 177
-
-
-
social contributions
1 052
-
196
-
surtax
-
-
-
-
pensions
4 170
-
775
-
total
7 399
-
971
-
Employer
36 883
-
6 854
-
unemployment
1 493
-
278
-
social contributions
111
-
21
-
pensions
6 059
-
1 127
-
other
1 272
-
237
-
health
2 582
-
479
-
total
11 517
-
2 142
-
Corporate
-
9 000
-
-
income
-
2 520
-
-
surtax
-
-
-
-
total
-
2 520
-
-
Dividends
-
6 480
-
-
withholding
-
829
-
-
surtax
-
-
-
-
social contributions
-
1 115
-
-
total
-
1 944
-
-
Income
9 000
9 000
9 000
9 000
Total tax
18 916
4 464
3 113
4 464
After tax
-9 916
4 536
5 887
4 536
Living cost
29 485
29 485
29 485
29 485
Free-cash
-39 401
-24 949
-23 598
-24 949

Estimated living cost  is ₽29485 per week

₽18591
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2398
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽502
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.
₽7996
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
-₽76578
-₽30915
-₽71740
-₽76578
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
-
-
-
9 000
income
-
-
-
810
health
-
-
-
1 382
pensions
-
-
-
1 621
total
-
-
-
3 813
Employee
73 594
73 594
73 594
-
income

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

12 046
12 046
12 046
-
health
11 296
9 608
11 296
-
pensions
13 247
10 097
13 247
-
total
36 589
31 751
36 589
-
Employer
73 594
73 594
73 594
-
unemployment
2 649
2 649
2 649
-
pensions
5 122
5 122
5 122
-
health
5 116
5 116
5 116
-
total
12 887
12 887
12 887
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Income
9 000
9 000
9 000
9 000
Total tax
49 476
44 638
49 476
3 813
After tax
-40 476
-35 638
-40 476
5 187
Living cost
36 102
36 102
36 102
36 102
Free-cash
-76 578
-71 740
-76 578
-30 915

Estimated living cost  is ₽36102 per week

₽25584
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3254
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽574
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.
₽6689
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
-₽22991
-₽22991
-₽21329
-₽23963
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.

-
-
-
9 000
income

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

-
-
-
-
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.

-
-
-
5 888
trade
-
-
-
-
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.

-
-
-
-
total
-
-
-
5 888
Employee

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

32 962
-
9 000
-
income

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

921
-
-
-
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.

5 888
-
5 888
-
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.

51
-
-
-
total
6 860
-
5 888
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
9 000
-
-
chamber of commerce
-
144
-
-
income
-
1 349
-
-
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.

-
74
-
-
trade
-
1 418
-
-
total
-
2 985
-
-
Dividends
-
6 015
-
-
withholding
-
1 176
-
-
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.

-
65
-
-
total
-
1 241
-
-
Income
9 000
9 000
9 000
9 000
Total tax
6 860
4 226
5 888
5 888
After tax
2 140
4 774
3 112
3 112
Living cost
26 103
26 103
26 103
26 103
Free-cash
-23 963
-21 329
-22 991
-22 991

Estimated living cost  is ₽26103 per week

₽16420
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3044
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.
₽6152
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
-₽22907
-₽16900
-₽30441
-₽24250
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
-
-
-
32 761
income
-
-
-
-
social contributions
-
-
-
5 111
health
-
-
-
836
total
-
-
-
5 947
Employee
66 268
66 268
66 268
-
income
7 215
6 134
7 451
-
social contributions
2 505
5 500
1 855
-
health
514
1 127
379
-
total
10 234
12 761
9 685
-
Employer
66 268
66 268
66 268
-
social contributions
2 505
5 500
1 855
-
health
558
1 227
414
-
total
3 063
6 727
2 269
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
9 000
9 000
9 000
9 000
Total tax
13 297
19 488
11 954
5 947
After tax
-4 297
-10 488
-2 954
3 053
Living cost
19 953
19 953
19 953
19 953
Free-cash
-24 250
-30 441
-22 907
-16 900

Estimated living cost  is ₽19953 per week

₽11958
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1958
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽442
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.
₽5596
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
-₽21498
-₽21684
-₽21913
-₽40049
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.

-
-
-
9 000
income
-
-
-
525
social contributions

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

-
-
-
3 127
surtax
-
-
-
-
total
-
-
-
3 652
Employee
39 636
-
7 273
-
income
8 244
-
939
-
social contributions
4 360
-
800
-
surtax
-
-
-
-
total
12 604
-
1 739
-
Employer
39 636
-
7 273
-
social contributions
9 413
-
1 727
-
total
9 413
-
1 727
-
Corporate
-
9 000
-
-
income
-
1 891
-
-
surtax
-
-
-
-
total
-
1 891
-
-
Dividends
-
7 109
-
-
withholding
-
1 990
-
-
total
-
1 990
-
-
Income
9 000
9 000
9 000
9 000
Total tax
22 017
3 881
3 466
3 652
After tax
-13 017
5 119
5 534
5 348
Living cost
27 032
27 032
27 032
27 032
Free-cash
-40 049
-21 913
-21 498
-21 684

Estimated living cost  is ₽27032 per week

₽20225
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1595
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽451
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.
₽4761
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
₽1015
₽2725
₽2365
₽1205
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%.

-
-
-
9 000
microenterprise

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

-
-
-
90
total
-
-
-
90
Employee
7 731
-
9 000
-
income
1 546
-
1 800
-
total
1 546
-
1 800
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

1 269
9 000
-
-
total
-
-
-
-
Dividends
1 269
9 000
-
-
withholding
64
450
-
-
total
64
450
-
-
Income
9 000
9 000
9 000
9 000
Total tax
1 610
450
1 800
90
After tax
7 390
8 550
7 200
8 910
Living cost
6 185
6 185
6 185
6 185
Free-cash
1 205
2 365
1 015
2 725

Estimated living cost  is ₽6185 per week

₽3833
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽514
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽170
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.
₽1668
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
-₽18019
-₽17691
-₽16920
-₽35042
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.

-
-
-
9 000
income
-
-
-
1 034
health
-
-
-
885
unemployment
-
-
-
13
pensions
-
-
-
1 644
total
-
-
-
3 576
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.

38 109
-
7 788
-
income
6 572
-
970
-
health
2 461
-
504
-
unemployment
54
-
11
-
pensions
5 907
-
1 207
-
total
14 994
-
2 692
-
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.

38 109
-
7 788
-
unemployment
23
-
5
-
pensions
3 372
-
689
-
health
2 538
-
518
-
total
5 933
-
1 212
-
Corporate
-
9 000
-
-
income
-
1 711
-
-
total
-
1 711
-
-
Dividends
-
7 289
-
-
withholding
-
1 094
-
-
total
-
1 094
-
-
Income
9 000
9 000
9 000
9 000
Total tax
20 927
2 805
3 904
3 576
After tax
-11 927
6 195
5 096
5 424
Living cost
23 115
23 115
23 115
23 115
Free-cash
-35 042
-16 920
-18 019
-17 691

Estimated living cost  is ₽23115 per week

₽15864
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1482
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽448
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5323
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
-₽25279
-₽52432
-₽28006
-₽37068
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.

-
-
-
9 000
income
-
-
-
24 531
health

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

-
-
-
5 618
total
-
-
-
30 149
Employee
39 534
-
7 502
-
social contributions
3 961
-
1 498
-
income
4 290
-
-
-
total
8 251
-
1 498
-
Employer
39 534
-
7 502
-
social contributions
3 961
-
1 498
-
total
3 961
-
1 498
-
Corporate
-
9 000
-
-
income
-
3 150
-
-
total
-
3 150
-
-
Dividends
-
5 850
-
-
social contributions
2 573
2 573
-
-
total
2 573
2 573
-
-
Income
9 000
9 000
9 000
9 000
Total tax
14 785
5 723
2 996
30 149
After tax
-5 785
3 277
6 004
-21 149
Living cost
31 283
31 283
31 283
31 283
Free-cash
-37 068
-28 006
-25 279
-52 432

Estimated living cost  is ₽31283 per week

₽20606
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2466
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽479
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7731
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
-₽12384
-₽12886
-₽13269
-₽22483
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
-
-
-
9 000
income
-
-
-
1 349
social contributions
-
-
-
1 503
health
-
-
-
760
total
-
-
-
3 612
Employee
29 220
-
9 000
-
income
4 874
-
847
-
social contributions
4 033
-
1 503
-
health
2 039
-
760
-
total
10 946
-
3 110
-
Employer
29 220
-
9 000
-
total
-
-
-
-
Corporate
-
9 000
-
-
income

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

-
450
-
-
total
-
450
-
-
Dividends
-
8 550
-
-
withholding
-
1 282
-
-
health
760
760
-
-
social contributions
1 503
1 503
-
-
total
2 263
3 545
-
-
Income
9 000
9 000
9 000
9 000
Total tax
13 209
3 995
3 110
3 612
After tax
-4 209
5 005
5 890
5 388
Living cost
18 274
18 274
18 274
18 274
Free-cash
-22 483
-13 269
-12 384
-12 886

Estimated living cost  is ₽18274 per week

₽12230
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1127
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽420
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.
₽4496
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
-₽18814
-₽18998
-₽17184
-₽37075
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
-
-
-
9 000
income
-
-
-
774
social contributions
-
-
-
2 628
solidarity contribution
-
-
-
-
health
-
-
-
1 215
total
-
-
-
4 617
Employee
34 384
-
6 716
-
solidarity contribution
-
-
-
-
income
4 126
-
806
-
social contributions
2 235
-
437
-
health
4 642
-
907
-
total
11 003
-
2 150
-
Employer
34 384
-
6 716
-
social contributions
8 596
-
1 679
-
health
3 095
-
604
-
total
11 691
-
2 283
-
Corporate
-
9 000
-
-
income
-
1 710
-
-
total
-
1 710
-
-
Dividends
-
7 290
-
-
withholding
-
1 093
-
-
total
-
1 093
-
-
Income
9 000
9 000
9 000
9 000
Total tax
22 694
2 803
4 433
4 617
After tax
-13 694
6 197
4 567
4 383
Living cost
23 381
23 381
23 381
23 381
Free-cash
-37 075
-17 184
-18 814
-18 998

Estimated living cost  is ₽23381 per week

₽17388
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1295
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽405
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.
₽4294
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
-₽2438
-₽728
-₽1088
-₽3048
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%.

-
-
-
9 000
microenterprise

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

-
-
-
90
total
-
-
-
90
Employee
12 048
-
9 000
-
income
2 410
-
1 800
-
total
2 410
-
1 800
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

-
9 000
-
-
total
-
-
-
-
Dividends
-
9 000
-
-
withholding
-
450
-
-
total
-
450
-
-
Income
9 000
9 000
9 000
9 000
Total tax
2 410
450
1 800
90
After tax
6 590
8 550
7 200
8 910
Living cost
9 638
9 638
9 638
9 638
Free-cash
-3 048
-1 088
-2 438
-728

Estimated living cost  is ₽9638 per week

₽6522
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽405
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽323
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.
₽2388
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
-₽35737
-₽37088
-₽37088
-₽61835
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
-
-
-
9 000
income
-
-
-
-
social contributions
-
-
-
257
health
-
-
-
229
surtax
-
-
-
-
pensions
-
-
-
3 698
other
-
-
-
280
total
-
-
-
4 464
Employee
53 976
-
6 854
-
income
4 710
-
-
-
social contributions
1 537
-
196
-
surtax
-
-
-
-
pensions
6 105
-
775
-
total
12 352
-
971
-
Employer
53 976
-
6 854
-
unemployment
2 187
-
278
-
social contributions
162
-
21
-
pensions
8 869
-
1 127
-
other
1 863
-
237
-
health
3 778
-
479
-
total
16 859
-
2 142
-
Corporate
-
9 000
-
-
income
-
2 520
-
-
surtax
-
-
-
-
total
-
2 520
-
-
Dividends
-
6 480
-
-
withholding
-
829
-
-
surtax
-
-
-
-
social contributions
-
1 115
-
-
total
-
1 944
-
-
Income
9 000
9 000
9 000
9 000
Total tax
29 211
4 464
3 113
4 464
After tax
-20 211
4 536
5 887
4 536
Living cost
41 624
41 624
41 624
41 624
Free-cash
-61 835
-37 088
-35 737
-37 088

Estimated living cost  is ₽41624 per week

₽28170
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3405
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽571
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.
₽9477
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
-₽9105
-₽9570
-₽8362
-₽17426
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.

-
-
-
9 000
income
-
-
-
304
health
-
-
-
927
unemployment
-
-
-
135
pensions
-
-
-
2 340
total
-
-
-
3 706
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.

22 414
-
7 634
-
income
3 090
-
356
-
health
1 154
-
393
-
unemployment
168
-
57
-
pensions
3 138
-
1 069
-
total
7 550
-
1 875
-
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.

22 414
-
7 634
-
unemployment
168
-
57
-
pensions
2 690
-
916
-
health
1 154
-
393
-
total
4 012
-
1 366
-
Corporate
-
9 000
-
-
income
-
1 350
-
-
total
-
1 350
-
-
Dividends
-
7 650
-
-
withholding
-
1 148
-
-
total
-
1 148
-
-
Income
9 000
9 000
9 000
9 000
Total tax
11 562
2 498
3 241
3 706
After tax
-2 562
6 502
5 759
5 294
Living cost
14 864
14 864
14 864
14 864
Free-cash
-17 426
-8 362
-9 105
-9 570

Estimated living cost  is ₽14864 per week

₽10008
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1150
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽430
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.
₽3276
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
-₽54769
-₽52468
-₽56057
-₽68125
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
-
-
-
9 000
regional
-
-
-
-
national
-
-
-
-
health
-
-
-
196
city
-
-
-
93
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.

-
-
-
179
pensions
-
-
-
828
total
-
-
-
1 296
Employee
70 417
-
7 082
-
regional
2 306
-
-
-
city
756
-
63
-
health
159
-
15
-
unemployment
-
-
-
-
national
333
-
-
-
pensions
5 916
-
1 681
-
total
9 470
-
1 759
-
Employer
70 417
-
7 082
-
unemployment
-
-
-
-
pensions
5 916
-
1 681
-
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.

1 408
-
142
-
health
159
-
15
-
total
7 483
-
1 838
-
Corporate
-
9 000
-
-
regional
-
1 904
-
-
national
-
765
-
-
total
-
2 669
-
-
Dividends
-
6 331
-
-
withholding
-
2 216
-
-
total
-
2 216
-
-
Income
9 000
9 000
9 000
9 000
Total tax
16 953
4 885
3 597
1 296
After tax
-7 953
4 115
5 403
7 704
Living cost
60 172
60 172
60 172
60 172
Free-cash
-68 125
-56 057
-54 769
-52 468

Estimated living cost  is ₽60172 per week

₽39129
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5400
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽739
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.
₽14904
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
-₽27390
-₽25708
-₽26859
-₽44895
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

-
-
-
9 000
municipal
-
-
-
1 621
national
-
-
-
-
health
-
-
-
-
total
-
-
-
1 621
Employee
45 341
-
7 571
-
health
339
-
-
-
unemployment
680
-
113
-
national
749
-
-
-
municipal
7 426
-
1 251
-
pensions
3 060
-
510
-
total
12 254
-
1 874
-
Employer
45 341
-
7 571
-
unemployment
294
-
49
-
pensions
7 866
-
1 313
-
accident
46
-
8
-
health
348
-
59
-
total
8 554
-
1 429
-
Corporate
-
9 000
-
-
income
-
1 801
-
-
total
-
1 801
-
-
Dividends

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

-
5 400
-
-
national
-
-
-
-
municipal
-
971
-
-
total
-
971
-
-
Income
9 000
9 000
9 000
9 000
Total tax
20 808
2 772
3 303
1 621
After tax
-11 808
6 228
5 697
7 379
Living cost
33 087
33 087
33 087
33 087
Free-cash
-44 895
-26 859
-27 390
-25 708

Estimated living cost  is ₽33087 per week

₽21612
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3183
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.
₽7767
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
-₽27241
-₽28347
-₽26094
-₽70587
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
-
-
-
9 000
national
-
-
-
1 114
social contributions
-
-
-
4 543
communal

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

-
-
-
268
total
-
-
-
5 925
Employee

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

61 645
-
6 969
-
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.

2 896
-
327
-
communal

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

3 215
-
363
-
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.

536
-
61
-
national
18 952
-
1 514
-
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.

4 623
-
523
-
total
30 222
-
2 788
-
Employer

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

61 645
-
6 969
-
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.

899
-
101
-
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.

5 462
-
618
-
surtax
6 990
-
792
-
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.

801
-
92
-
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.

3 791
-
428
-
total
17 943
-
2 031
-
Corporate
-
9 000
-
-
income
-
1 801
-
-
surtax
-
36
-
-
total
-
1 837
-
-
Dividends
-
7 163
-
-
withholding

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

-
1 835
-
-
total
-
1 835
-
-
Income
9 000
9 000
9 000
9 000
Total tax
48 165
3 672
4 819
5 925
After tax
-39 165
5 328
4 181
3 075
Living cost
31 422
31 422
31 422
31 422
Free-cash
-70 587
-26 094
-27 241
-28 347

Estimated living cost  is ₽31422 per week

₽20240
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2748
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽492
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.
₽7943
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
-₽30523
-₽30843
-₽30415
-₽57159
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
-
-
-
9 000
municipal
-
-
-
1 906
national
-
-
-
-
health
-
-
-
562
accident
-
-
-
18
unemployment
-
-
-
9
pensions
-
-
-
973
other
-
-
-
1 046
total
-
-
-
4 514
Employee
50 341
-
6 848
-
national
-
-
-
-
municipal
15 012
-
2 042
-
total
15 012
-
2 042
-
Employer
50 341
-
6 848
-
unemployment
1 329
-
181
-
pensions
5 442
-
740
-
other
5 850
-
796
-
accident
101
-
14
-
health
3 096
-
421
-
total
15 818
-
2 152
-
Corporate
-
9 000
-
-
income
-
1 980
-
-
total
-
1 980
-
-
Dividends
-
7 020
-
-
withholding
-
2 106
-
-
total
-
2 106
-
-
Income
9 000
9 000
9 000
9 000
Total tax
30 830
4 086
4 194
4 514
After tax
-21 830
4 914
4 806
4 486
Living cost
35 329
35 329
35 329
35 329
Free-cash
-57 159
-30 415
-30 523
-30 843

Estimated living cost  is ₽35329 per week

₽23415
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3467
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽537
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.
₽7911
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
-₽41752
-₽32674
-₽33418
-₽125401
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
-
-
-
9 000
income
-
-
-
1 754
social contributions
-
-
-
1 026
total
-
-
-
2 780
Employee
55 768
-
-
-
income
12 301
-
-
-
social contributions
4 573
-
652
-
total
16 874
-
652
-
Employer
55 768
-
-
-
social contributions
78 633
-
11 206
-
total
78 633
-
11 206
-
Corporate
-
9 000
-
-
income
-
1 980
-
-
total
-
1 980
-
-
Dividends
-
7 020
-
-
income
-
1 544
-
-
total
-
1 544
-
-
Income
9 000
9 000
9 000
9 000
Total tax
95 507
3 524
11 858
2 780
After tax
-86 507
5 476
-2 858
6 220
Living cost
38 894
38 894
38 894
38 894
Free-cash
-125 401
-33 418
-41 752
-32 674

Estimated living cost  is ₽38894 per week

₽25236
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3658
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.
₽9504
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
-₽30906
-₽24899
-₽38440
-₽33728
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
-
-
-
32 761
income
-
-
-
-
social contributions
-
-
-
5 111
health
-
-
-
836
total
-
-
-
5 947
Employee
66 268
66 268
66 268
-
income
6 959
6 134
7 451
-
social contributions
3 220
5 500
1 855
-
health
659
1 127
379
-
total
10 838
12 761
9 685
-
Employer
66 268
66 268
66 268
-
social contributions
3 220
5 500
1 855
-
health
718
1 227
414
-
total
3 938
6 727
2 269
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
9 000
9 000
9 000
9 000
Total tax
14 776
19 488
11 954
5 947
After tax
-5 776
-10 488
-2 954
3 053
Living cost
27 952
27 952
27 952
27 952
Free-cash
-33 728
-38 440
-30 906
-24 899

Estimated living cost  is ₽27952 per week

₽19108
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2183
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽469
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.
₽6192
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
-₽24194
-₽24059
-₽24517
-₽39058
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
-
-
-
9 000
income
-
-
-
1 800
pensions
-
-
-
-
total
-
-
-
1 800
Employee
42 907
-
8 831
-
income
7 814
-
1 766
-
health
560
-
-
-
pensions
3 275
-
-
-
total
11 649
-
1 766
-
Employer
42 907
-
8 831
-
pensions
4 335
-
-
-
health
815
-
169
-
total
5 150
-
169
-
Corporate
-
9 000
-
-
income

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

-
1 711
-
-
total
-
1 711
-
-
Dividends
-
7 289
-
-
withholding
-
547
-
-
total
-
547
-
-
Income
9 000
9 000
9 000
9 000
Total tax
16 799
2 258
1 935
1 800
After tax
-7 799
6 742
7 065
7 200
Living cost
31 259
31 259
31 259
31 259
Free-cash
-39 058
-24 517
-24 194
-24 059

Estimated living cost  is ₽31259 per week

₽21443
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2875
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.
₽6548
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
-₽34151
-₽32606
-₽29590
-₽63620
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
-
-
-
9 000
municipal
-
-
-
21
regional
-
-
-
41
national
-
-
-
533
social contributions
-
-
-
6 679
total
-
-
-
7 274
Employee
72 620
-
9 000
-
regional
1 096
-
5
-
social contributions
24 487
-
8 756
-
national
12 272
-
56
-
municipal
433
-
2
-
total
38 288
-
8 819
-
Employer
72 620
-
9 000
-
total
-
-
-
-
Corporate
-
9 000
-
-
nationa
-
2 160
-
-
municipal
-
433
-
-
total
-
2 593
-
-
Dividends
-
6 406
-
-
withholding
-
1 665
-
-
total
-
1 665
-
-
Income
9 000
9 000
9 000
9 000
Total tax
38 288
4 258
8 819
7 274
After tax
-29 288
4 742
181
1 726
Living cost
34 332
34 332
34 332
34 332
Free-cash
-63 620
-29 590
-34 151
-32 606

Estimated living cost  is ₽34332 per week

₽24116
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2362
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽518
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.
₽7335
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
-₽13037
-₽15018
-₽17060
-₽24686
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
-
-
-
9 000
income
-
-
-
598
health
-
-
-
1 763
accident
-
-
-
204
pensions
-
-
-
3 364
other
-
-
-
300
total
-
-
-
6 229
Employee
27 983
-
7 476
-
income
3 839
-
1 026
-
health
3 204
-
856
-
pensions
3 151
-
842
-
total
10 194
-
2 724
-
Employer
27 983
-
7 476
-
unemployment
686
-
183
-
pensions
4 550
-
1 216
-
accident
467
-
125
-
total
5 703
-
1 524
-
Corporate
-
9 000
-
-
income

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

-
8 100
-
-
total
-
8 100
-
-
Dividends
-
900
-
-
withholding
-
171
-
-
total
-
171
-
-
Income
9 000
9 000
9 000
9 000
Total tax
15 897
8 271
4 248
6 229
After tax
-6 897
729
4 752
2 771
Living cost
17 789
17 789
17 789
17 789
Free-cash
-24 686
-17 060
-13 037
-15 018

Estimated living cost  is ₽17789 per week

₽13038
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽986
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽371
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.
₽3395
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
-₽30160
-₽30160
-₽28407
-₽33881
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.

-
-
-
9 000
income

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

-
-
-
-
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.

-
-
-
5 888
trade
-
-
-
-
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.

-
-
-
-
total
-
-
-
5 888
Employee

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

42 880
-
9 000
-
income

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

3 526
-
-
-
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.

5 888
-
5 888
-
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.

195
-
-
-
total
9 609
-
5 888
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
9 000
-
-
chamber of commerce
-
144
-
-
income
-
1 349
-
-
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.

-
74
-
-
trade
-
1 292
-
-
total
-
2 859
-
-
Dividends
-
6 141
-
-
withholding
-
1 209
-
-
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.

-
67
-
-
total
-
1 276
-
-
Income
9 000
9 000
9 000
9 000
Total tax
9 609
4 135
5 888
5 888
After tax
-609
4 865
3 112
3 112
Living cost
33 272
33 272
33 272
33 272
Free-cash
-33 881
-28 407
-30 160
-30 160

Estimated living cost  is ₽33272 per week

₽22951
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3580
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽482
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.
₽6257
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
-₽13098
-₽12991
-₽10730
-₽22248
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.

-
-
-
9 000
microenterprise
-
-
-
1 349
income
-
-
-
-
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.

-
-
-
2 713
surtax
-
-
-
-
total
-
-
-
4 062
Employee
25 182
-
6 967
-
income
4 483
-
1 207
-
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.

2 770
-
929
-
surtax
-
-
-
-
total
7 253
-
2 136
-
Employer
25 182
-
6 967
-
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.

6 066
-
2 033
-
surtax
-
-
-
-
total
6 066
-
2 033
-
Corporate
-
9 000
-
-
income

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

-
1 801
-
-
total
-
1 801
-
-
Dividends

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

-
7 199
-
-
total
-
-
-
-
Income
9 000
9 000
9 000
9 000
Total tax
13 319
1 801
4 169
4 062
After tax
-4 319
7 199
4 831
4 938
Living cost
17 929
17 929
17 929
17 929
Free-cash
-22 248
-10 730
-13 098
-12 991

Estimated living cost  is ₽17929 per week

₽11438
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1707
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽407
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.
₽4376
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
-₽6105
-₽6386
-₽5632
-₽11988
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
-
-
-
9 000
income
-
-
-
1 033
health
-
-
-
1 305
pensions
-
-
-
1 800
total
-
-
-
4 138
Employee
17 132
-
7 347
-
income
3 314
-
1 103
-
health
857
-
367
-
unemployment
171
-
73
-
pensions
1 542
-
661
-
total
5 884
-
2 204
-
Employer
17 132
-
7 347
-
unemployment
343
-
147
-
pensions
1 885
-
808
-
health
1 628
-
698
-
total
3 856
-
1 653
-
Corporate
-
9 000
-
-
income
-
1 980
-
-
total
-
1 980
-
-
Dividends
-
7 020
-
-
withholding
-
1 404
-
-
total
-
1 404
-
-
Income
9 000
9 000
9 000
9 000
Total tax
9 740
3 384
3 857
4 138
After tax
-740
5 616
5 143
4 862
Living cost
11 248
11 248
11 248
11 248
Free-cash
-11 988
-5 632
-6 105
-6 386

Estimated living cost  is ₽11248 per week

₽6684
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽912
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽258
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.
₽3394
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
-₽15581
-₽14809
-₽13696
-₽26132
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
-
-
-
9 000
income
-
-
-
1 137
health
-
-
-
818
unemployment
-
-
-
196
surtax
-
-
-
-
pensions
-
-
-
2 301
other
-
-
-
-
total
-
-
-
4 452
Employee
29 022
-
6 580
-
other
-
-
-
-
income
4 865
-
944
-
health
741
-
293
-
unemployment
2 020
-
800
-
surtax
103
-
-
-
pensions
1 936
-
767
-
total
9 665
-
2 804
-
Employer
29 022
-
6 580
-
unemployment
921
-
365
-
pensions
3 869
-
1 532
-
other
-
-
-
-
health
1 320
-
523
-
total
6 110
-
2 420
-
Corporate
-
9 000
-
-
income
-
2 340
-
-
total
-
2 340
-
-
Dividends
-
6 660
-
-
withholding
-
999
-
-
total
-
999
-
-
Income
9 000
9 000
9 000
9 000
Total tax
15 775
3 339
5 224
4 452
After tax
-6 775
5 661
3 776
4 548
Living cost
19 357
19 357
19 357
19 357
Free-cash
-26 132
-13 696
-15 581
-14 809

Estimated living cost  is ₽19357 per week

₽11687
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1683
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.
₽5539
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
-₽29207
-₽26170
-₽37948
-₽40329
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
-
-
-
9 000
income
-
-
-
-
chamber of commerce
-
-
-
36
health
-
-
-
689