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
₽ 90500
per

Your estimated
City
free-cash

Valencia , Spain
₽23572
₽24777
₽36920
₽32332
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
-
-
-
90 500
income
-
-
-
17 353
accident
-
-
-
730
unemployment
-
-
-
568
pensions
-
-
-
22 941
other
-
-
-
81
total
-
-
-
41 673
Employee
32 339
-
68 622
-
other
32
-
68
-
income
6 235
-
16 644
-
unemployment
501
-
1 064
-
pensions
1 520
-
3 225
-
total
8 288
-
21 001
-
Employer
32 339
-
68 622
-
unemployment
1 779
-
3 774
-
pensions
7 631
-
16 195
-
other
259
-
549
-
accident
641
-
1 359
-
total
10 310
-
21 877
-
Corporate
47 851
90 500
-
-
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.

7 178
13 575
-
-
total
7 178
13 575
-
-
Dividends
40 673
76 925
-
-
withholding
8 342
15 955
-
-
total
8 342
15 955
-
-
Income
90 500
90 500
90 500
90 500
Total tax
34 118
29 530
42 878
41 673
After tax
56 382
60 970
47 622
48 827
Living cost
24 050
24 050
24 050
24 050
Free-cash
32 332
36 920
23 572
24 777

Estimated living cost  is ₽24050 per week

₽16234
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2312
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.
₽5084
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
₽29513
₽25699
₽43187
₽37280
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
-
-
-
90 500
income
-
-
-
11 495
health
-
-
-
3 982
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.

-
-
-
21 721
other
-
-
-
4 299
total
-
-
-
41 497
Employee
31 756
-
72 283
-
income
5 467
-
12 670
-
health
445
-
1 012
-
unemployment
317
-
724
-
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.

2 222
-
5 060
-
total
8 451
-
19 466
-
Employer
31 756
-
72 283
-
unemployment
317
-
724
-
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.

5 399
-
12 288
-
other
1 588
-
3 615
-
accident
254
-
578
-
health
445
-
1 012
-
total
8 003
-
18 217
-
Corporate
50 741
90 500
-
-
income
10 655
19 005
-
-
total
10 655
19 005
-
-
Dividends
40 086
71 495
-
-
withholding
2 807
5 004
-
-
total
2 807
5 004
-
-
Income
90 500
90 500
90 500
90 500
Total tax
29 916
24 009
37 683
41 497
After tax
60 584
66 491
52 817
49 003
Living cost
23 304
23 304
23 304
23 304
Free-cash
37 280
43 187
29 513
25 699

Estimated living cost  is ₽23304 per week

₽16466
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1573
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽375
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.
₽4890
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
₽60167
₽57303
₽65911
₽61851
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
-
-
-
90 500
income
-
-
-
13 575
health
-
-
-
3 513
unemployment
-
-
-
122
pensions

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

-
-
-
4 521
total
-
-
-
21 731
Employee
15 182
-
84 507
-
income
1 518
-
8 451
-
health
698
-
1 405
-
accident

We are using the highest rate at 1.1%.

167
-
336
-
pensions

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

1 333
-
2 682
-
total
3 716
-
12 874
-
Employer
15 182
-
84 507
-
unemployment
91
-
183
-
pensions

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

1 673
-
3 366
-
accident

We are using the highest rate at 1.1%.

167
-
336
-
health
1 048
-
2 108
-
total
2 979
-
5 993
-
Corporate
72 339
90 500
-
-
income
7 233
9 050
-
-
total
7 233
9 050
-
-
Dividends
65 105
81 450
-
-
withholding
3 255
4 073
-
-
total
3 255
4 073
-
-
Income
90 500
90 500
90 500
90 500
Total tax
17 183
13 123
18 867
21 731
After tax
73 317
77 377
71 633
68 769
Living cost
11 466
11 466
11 466
11 466
Free-cash
61 851
65 911
60 167
57 303

Estimated living cost  is ₽11466 per week

₽6694
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽819
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽304
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3649
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
₽26744
₽22102
₽15691
₽20856
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
-
-
-
90 500
income
-
-
-
9 048
social contributions
-
-
-
2 579
health
-
-
-
1 842
surtax
-
-
-
-
pensions
-
-
-
22 196
other
-
-
-
2 810
total
-
-
-
38 475
Employee
37 431
-
73 342
-
income
2 209
-
11 002
-
social contributions
1 067
-
2 090
-
surtax
-
-
-
-
pensions
4 232
-
3 583
-
total
7 508
-
16 675
-
Employer
37 431
-
73 342
-
unemployment
1 515
-
2 971
-
social contributions
113
-
221
-
pensions
6 149
-
6 302
-
other
1 291
-
2 531
-
health
2 621
-
5 133
-
total
11 689
-
17 158
-
Corporate
41 379
90 500
-
-
income
11 586
25 340
-
-
surtax
-
-
-
-
total
11 586
25 340
-
-
Dividends
29 793
65 160
-
-
withholding
3 814
8 340
-
-
surtax
-
-
-
-
social contributions
5 124
11 206
-
-
total
8 938
19 546
-
-
Income
90 500
90 500
90 500
90 500
Total tax
39 721
44 886
33 833
38 475
After tax
50 779
45 614
56 667
52 025
Living cost
29 923
29 923
29 923
29 923
Free-cash
20 856
15 691
26 744
22 102

Estimated living cost  is ₽29923 per week

₽18868
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2433
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽510
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8114
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
₽8020
₽14713
₽7218
₽1861
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
-
-
-
90 500
income
-
-
-
18 250
health
-
-
-
10 652
pensions
-
-
-
10 247
total
-
-
-
39 149
Employee
74 687
74 687
77 015
-
income

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

12 225
12 225
12 225
-
health
11 464
9 751
9 884
-
pensions
13 444
10 247
10 247
-
total
37 133
32 223
32 356
-
Employer
74 687
74 687
77 015
-
unemployment
2 689
2 689
2 772
-
pensions
5 198
5 198
5 361
-
health
5 192
5 192
5 353
-
total
13 079
13 079
13 486
-
Corporate
3 651
2 735
-
-
income
730
548
-
-
total
730
548
-
-
Dividends
2 920
2 187
-
-
withholding
438
329
-
-
income
621
465
-
-
total
1 059
794
-
-
Income
90 500
90 500
90 500
90 500
Total tax
52 001
46 644
45 842
39 149
After tax
38 499
43 856
44 658
51 351
Living cost
36 638
36 638
36 638
36 638
Free-cash
1 861
7 218
8 020
14 713

Estimated living cost  is ₽36638 per week

₽25965
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3303
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽583
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6788
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
₽37552
₽29703
₽19258
₽28933
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.

-
-
-
90 500
income

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

-
-
-
19 415
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.

-
-
-
5 975
trade
-
-
-
7 849
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.

-
-
-
1 067
total
-
-
-
34 306
Employee

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

33 452
-
90 500
-
income

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

934
-
19 415
-
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.

5 975
-
5 975
-
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
-
1 067
-
total
6 960
-
26 457
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
57 048
90 500
-
-
chamber of commerce
214
262
-
-
income
8 557
13 575
-
-
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.

471
747
-
-
trade
8 986
14 254
-
-
total
18 228
28 838
-
-
Dividends
38 820
61 663
-
-
withholding
9 372
15 083
-
-
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.

516
830
-
-
total
9 888
15 913
-
-
Income
90 500
90 500
90 500
90 500
Total tax
35 076
44 751
26 457
34 306
After tax
55 424
45 749
64 043
56 194
Living cost
26 491
26 491
26 491
26 491
Free-cash
28 933
19 258
37 552
29 703

Estimated living cost  is ₽26491 per week

₽16663
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3089
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽495
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6244
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
₽43445
₽43538
₽45976
₽41217
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
-
-
-
90 500
income
-
-
-
10 289
social contributions
-
-
-
14 117
health
-
-
-
2 307
total
-
-
-
26 713
Employee
67 252
67 252
82 160
-
income
7 323
6 226
10 249
-
social contributions
2 543
5 582
6 820
-
health
521
1 144
1 397
-
total
10 387
12 952
18 466
-
Employer
67 252
67 252
82 160
-
social contributions
2 543
5 582
6 820
-
health
566
1 245
1 520
-
total
3 109
6 827
8 340
-
Corporate
56 756
16 421
-
-
income
7 095
2 053
-
-
total
7 095
2 053
-
-
Dividends
49 660
14 368
-
-
withholding
8 443
2 443
-
-
total
8 443
2 443
-
-
Income
90 500
90 500
90 500
90 500
Total tax
29 034
24 275
26 806
26 713
After tax
61 466
66 225
63 694
63 787
Living cost
20 249
20 249
20 249
20 249
Free-cash
41 217
45 976
43 445
43 538

Estimated living cost  is ₽20249 per week

₽12136
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1987
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.
₽5680
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
₽18250
₽23033
₽24044
₽23164
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.

-
-
-
90 500
income
-
-
-
8 586
social contributions

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

-
-
-
31 448
surtax
-
-
-
-
total
-
-
-
40 034
Employee
40 225
-
73 131
-
income
8 367
-
19 403
-
social contributions
4 425
-
8 045
-
surtax
-
-
-
-
total
12 792
-
27 448
-
Employer
40 225
-
73 131
-
social contributions
9 553
-
17 369
-
total
9 553
-
17 369
-
Corporate
40 722
90 500
-
-
income
8 551
19 005
-
-
surtax
-
-
-
-
total
8 551
19 005
-
-
Dividends
32 171
71 495
-
-
withholding
9 007
20 018
-
-
total
9 007
20 018
-
-
Income
90 500
90 500
90 500
90 500
Total tax
39 903
39 023
44 817
40 034
After tax
50 597
51 477
45 683
50 466
Living cost
27 433
27 433
27 433
27 433
Free-cash
23 164
24 044
18 250
23 033

Estimated living cost  is ₽27433 per week

₽20526
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1618
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.
₽4831
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
₽66116
₽83311
₽79691
₽78513
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%.

-
-
-
90 500
microenterprise

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

-
-
-
905
total
-
-
-
905
Employee
7 855
-
90 500
-
income
1 571
-
18 100
-
total
1 571
-
18 100
-
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%.

82 645
90 500
-
-
total
-
-
-
-
Dividends
82 645
90 500
-
-
withholding
4 132
4 525
-
-
total
4 132
4 525
-
-
Income
90 500
90 500
90 500
90 500
Total tax
5 703
4 525
18 100
905
After tax
84 797
85 975
72 400
89 595
Living cost
6 284
6 284
6 284
6 284
Free-cash
78 513
79 691
66 116
83 311

Estimated living cost  is ₽6284 per week

₽3894
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽522
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽173
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽1695
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

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

Ljubljana , Slovenia
₽20636
₽23231
₽38850
₽31534
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.

-
-
-
90 500
income
-
-
-
18 241
health
-
-
-
8 906
unemployment
-
-
-
136
pensions
-
-
-
16 527
total
-
-
-
43 810
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.

38 675
-
78 308
-
income
6 669
-
16 907
-
health
2 498
-
5 059
-
unemployment
55
-
110
-
pensions
5 995
-
12 137
-
total
15 217
-
34 213
-
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.

38 675
-
78 308
-
unemployment
23
-
46
-
pensions
3 422
-
6 931
-
health
2 576
-
5 215
-
total
6 021
-
12 192
-
Corporate
45 804
90 500
-
-
income
8 704
17 195
-
-
total
8 704
17 195
-
-
Dividends
37 100
73 305
-
-
withholding
5 565
10 996
-
-
total
5 565
10 996
-
-
Income
90 500
90 500
90 500
90 500
Total tax
35 507
28 191
46 405
43 810
After tax
54 993
62 309
44 095
46 690
Living cost
23 459
23 459
23 459
23 459
Free-cash
31 534
38 850
20 636
23 231

Estimated living cost  is ₽23459 per week

₽16099
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1504
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽455
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5402
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
₽34764
₽28148
₽22455
₽25615
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.

-
-
-
90 500
income
-
-
-
24 896
health

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

-
-
-
5 708
total
-
-
-
30 604
Employee
40 121
-
86 477
-
social contributions
4 020
-
4 023
-
income
4 353
-
15 942
-
total
8 373
-
19 965
-
Employer
40 121
-
86 477
-
social contributions
4 020
-
4 023
-
total
4 020
-
4 023
-
Corporate
46 359
90 500
-
-
income
16 225
31 676
-
-
total
16 225
31 676
-
-
Dividends
30 134
58 824
-
-
social contributions
4 519
4 621
-
-
total
4 519
4 621
-
-
Income
90 500
90 500
90 500
90 500
Total tax
33 137
36 297
23 988
30 604
After tax
57 363
54 203
66 512
59 896
Living cost
31 748
31 748
31 748
31 748
Free-cash
25 615
22 455
34 764
28 148

Estimated living cost  is ₽31748 per week

₽20912
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2503
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽486
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.
₽7845
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
₽39573
₽39573
₽36667
₽37121
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
90 500
income
-
-
-
13 575
social contributions
-
-
-
12 489
health
-
-
-
6 317
total
-
-
-
32 381
Employee
29 654
-
90 500
-
income
4 946
-
13 575
-
social contributions
4 093
-
12 489
-
health
2 070
-
6 317
-
total
11 109
-
32 381
-
Employer
29 654
-
90 500
-
total
-
-
-
-
Corporate
60 846
90 500
-
-
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%.

3 042
4 524
-
-
total
3 042
4 524
-
-
Dividends
57 804
85 976
-
-
withholding
8 670
12 896
-
-
health
4 035
6 002
-
-
social contributions
7 977
11 865
-
-
total
20 682
30 763
-
-
Income
90 500
90 500
90 500
90 500
Total tax
34 833
35 287
32 381
32 381
After tax
55 667
55 213
58 119
58 119
Living cost
18 546
18 546
18 546
18 546
Free-cash
37 121
36 667
39 573
39 573

Estimated living cost  is ₽18546 per week

₽12411
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1144
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽427
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4563
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
₽22205
₽20357
₽38588
₽30127
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
-
-
-
90 500
income
-
-
-
7 778
social contributions
-
-
-
26 426
solidarity contribution
-
-
-
-
health
-
-
-
12 218
total
-
-
-
46 422
Employee
34 883
-
67 537
-
solidarity contribution
-
-
-
-
income
4 186
-
8 104
-
social contributions
2 267
-
4 390
-
health
4 709
-
9 118
-
total
11 162
-
21 612
-
Employer
34 883
-
67 537
-
social contributions
8 721
-
16 884
-
health
3 139
-
6 078
-
total
11 860
-
22 962
-
Corporate
43 757
90 500
-
-
income
8 314
17 195
-
-
total
8 314
17 195
-
-
Dividends
35 443
73 305
-
-
withholding
5 316
10 996
-
-
total
5 316
10 996
-
-
Income
90 500
90 500
90 500
90 500
Total tax
36 652
28 191
44 574
46 422
After tax
53 848
62 309
45 926
44 078
Living cost
23 721
23 721
23 721
23 721
Free-cash
30 127
38 588
22 205
20 357

Estimated living cost  is ₽23721 per week

₽17640
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1314
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽410
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4356
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
₽62607
₽79802
₽76182
₽74346
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%.

-
-
-
90 500
microenterprise

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

-
-
-
905
total
-
-
-
905
Employee
12 241
-
90 500
-
income
2 448
-
18 100
-
total
2 448
-
18 100
-
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%.

78 259
90 500
-
-
total
-
-
-
-
Dividends
78 259
90 500
-
-
withholding
3 913
4 525
-
-
total
3 913
4 525
-
-
Income
90 500
90 500
90 500
90 500
Total tax
6 361
4 525
18 100
905
After tax
84 139
85 975
72 400
89 595
Living cost
9 793
9 793
9 793
9 793
Free-cash
74 346
76 182
62 607
79 802

Estimated living cost  is ₽9793 per week

₽6627
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽411
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽328
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2426
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
₽14425
₽9783
₽3372
₽9383
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
-
-
-
90 500
income
-
-
-
9 048
social contributions
-
-
-
2 579
health
-
-
-
1 842
surtax
-
-
-
-
pensions
-
-
-
22 196
other
-
-
-
2 810
total
-
-
-
38 475
Employee
54 778
-
73 342
-
income
4 779
-
11 002
-
social contributions
1 560
-
2 090
-
surtax
-
-
-
-
pensions
6 196
-
3 583
-
total
12 535
-
16 675
-
Employer
54 778
-
73 342
-
unemployment
2 219
-
2 971
-
social contributions
164
-
221
-
pensions
9 001
-
6 302
-
other
1 890
-
2 531
-
health
3 834
-
5 133
-
total
17 108
-
17 158
-
Corporate
18 614
90 500
-
-
income
5 211
25 340
-
-
surtax
-
-
-
-
total
5 211
25 340
-
-
Dividends
13 403
65 160
-
-
withholding
1 716
8 340
-
-
surtax
-
-
-
-
social contributions
2 305
11 206
-
-
total
4 021
19 546
-
-
Income
90 500
90 500
90 500
90 500
Total tax
38 875
44 886
33 833
38 475
After tax
51 625
45 614
56 667
52 025
Living cost
42 242
42 242
42 242
42 242
Free-cash
9 383
3 372
14 425
9 783

Estimated living cost  is ₽42242 per week

₽28589
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3456
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽579
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.
₽9618
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
₽33195
₽33195
₽50305
₽46014
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.

-
-
-
90 500
income
-
-
-
17 863
health
-
-
-
6 638
unemployment
-
-
-
967
pensions
-
-
-
16 756
total
-
-
-
42 224
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.

22 741
-
78 964
-
income
3 135
-
17 863
-
health
1 171
-
3 319
-
unemployment
171
-
483
-
pensions
3 184
-
9 023
-
total
7 661
-
30 688
-
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.

22 741
-
78 964
-
unemployment
171
-
483
-
pensions
2 729
-
7 734
-
health
1 171
-
3 319
-
total
4 071
-
11 536
-
Corporate
63 688
90 500
-
-
income
9 553
13 575
-
-
total
9 553
13 575
-
-
Dividends
54 135
76 925
-
-
withholding
8 120
11 539
-
-
total
8 120
11 539
-
-
Income
90 500
90 500
90 500
90 500
Total tax
29 405
25 114
42 224
42 224
After tax
61 095
65 386
48 276
48 276
Living cost
15 081
15 081
15 081
15 081
Free-cash
46 014
50 305
33 195
33 195

Estimated living cost  is ₽15081 per week

₽10154
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1167
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽436
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3324
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
₽9542
₽14031
-₽19649
₽6463
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
-
-
-
90 500
regional
-
-
-
3 397
national
-
-
-
744
health
-
-
-
204
city
-
-
-
955
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.

-
-
-
1 811
pensions
-
-
-
8 325
total
-
-
-
15 436
Employee
71 424
-
81 002
-
regional
2 339
-
2 903
-
city
767
-
870
-
health
161
-
182
-
unemployment
-
-
-
-
national
338
-
559
-
pensions
6 001
-
6 805
-
total
9 606
-
11 319
-
Employer
71 424
-
81 002
-
unemployment
-
-
-
-
pensions
6 001
-
6 805
-
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.

1 428
-
1 619
-
health
161
-
182
-
total
7 590
-
8 606
-
Corporate
10 701
90 500
-
-
regional
2 264
19 141
-
-
national
909
7 692
-
-
total
3 173
26 833
-
-
Dividends
7 528
63 667
-
-
withholding
2 635
22 283
-
-
total
2 635
22 283
-
-
Income
90 500
90 500
90 500
90 500
Total tax
23 004
49 116
19 925
15 436
After tax
67 496
41 384
70 575
75 064
Living cost
61 033
61 033
61 033
61 033
Free-cash
6 463
-19 649
9 542
14 031

Estimated living cost  is ₽61033 per week

₽39689
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5477
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽749
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.
₽15117
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
₽17812
₽30346
₽26362
₽24777
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

-
-
-
90 500
municipal
-
-
-
16 104
national
-
-
-
9 443
health
-
-
-
1 029
total
-
-
-
26 576
Employee
46 014
-
76 134
-
health
344
-
807
-
unemployment
690
-
1 142
-
national
760
-
5 228
-
municipal
7 537
-
12 428
-
pensions
3 105
-
5 138
-
total
12 436
-
24 743
-
Employer
46 014
-
76 134
-
unemployment
299
-
495
-
pensions
7 983
-
13 210
-
accident
46
-
76
-
health
354
-
586
-
total
8 682
-
14 367
-
Corporate
35 804
90 500
-
-
income
7 160
18 101
-
-
total
7 160
18 101
-
-
Dividends

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

21 483
54 299
-
-
national
-
2 685
-
-
municipal
3 867
9 774
-
-
total
3 867
12 459
-
-
Income
90 500
90 500
90 500
90 500
Total tax
32 145
30 560
39 110
26 576
After tax
58 355
59 940
51 390
63 924
Living cost
33 578
33 578
33 578
33 578
Free-cash
24 777
26 362
17 812
30 346

Estimated living cost  is ₽33578 per week

₽21933
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3230
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽534
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.
₽7882
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
₽3208
₽10246
₽18856
₽5741
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
-
-
-
90 500
national
-
-
-
29 510
social contributions
-
-
-
14 282
communal

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

-
-
-
4 573
total
-
-
-
48 365
Employee

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

62 560
-
70 094
-
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.

2 939
-
3 295
-
communal

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

3 263
-
3 656
-
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.

544
-
609
-
national
19 234
-
22 181
-
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.

4 692
-
5 256
-
total
30 672
-
34 997
-
Employer

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

62 560
-
70 094
-
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.

913
-
1 024
-
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.

5 543
-
6 211
-
surtax
7 094
-
7 950
-
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.

813
-
911
-
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.

3 847
-
4 310
-
total
18 210
-
20 406
-
Corporate
9 729
90 500
-
-
income
1 945
18 101
-
-
surtax
38
362
-
-
total
1 983
18 463
-
-
Dividends
7 746
72 037
-
-
withholding

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

2 005
21 292
-
-
total
2 005
21 292
-
-
Income
90 500
90 500
90 500
90 500
Total tax
52 870
39 755
55 403
48 365
After tax
37 630
50 745
35 097
42 135
Living cost
31 889
31 889
31 889
31 889
Free-cash
5 741
18 856
3 208
10 246

Estimated living cost  is ₽31889 per week

₽20541
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2788
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽500
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8061
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
₽12489
₽11704
₽13574
₽12770
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
-
-
-
90 500
municipal
-
-
-
20 202
national
-
-
-
-
health
-
-
-
4 901
accident
-
-
-
157
unemployment
-
-
-
79
pensions
-
-
-
8 491
other
-
-
-
9 127
total
-
-
-
42 957
Employee
51 067
-
68 863
-
national
-
-
-
-
municipal
15 228
-
20 535
-
total
15 228
-
20 535
-
Employer
51 067
-
68 863
-
unemployment
1 348
-
1 818
-
pensions
5 520
-
7 444
-
other
5 934
-
8 002
-
accident
102
-
138
-
health
3 141
-
4 235
-
total
16 045
-
21 637
-
Corporate
23 388
90 500
-
-
income
5 145
19 910
-
-
total
5 145
19 910
-
-
Dividends
18 243
70 590
-
-
withholding
5 473
21 177
-
-
total
5 473
21 177
-
-
Income
90 500
90 500
90 500
90 500
Total tax
41 891
41 087
42 172
42 957
After tax
48 609
49 413
48 328
47 543
Living cost
35 839
35 839
35 839
35 839
Free-cash
12 770
13 574
12 489
11 704

Estimated living cost  is ₽35839 per week

₽23752
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3517
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽544
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8025
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
₽39728
₽23634
₽16151
-₽43953
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
-
-
-
90 500
income
-
-
-
17 640
social contributions
-
-
-
10 317
total
-
-
-
27 957
Employee
55 789
-
-
-
income
12 306
-
-
-
social contributions
4 575
-
652
-
total
16 881
-
652
-
Employer
55 789
-
-
-
social contributions
78 663
-
11 211
-
total
78 663
-
11 211
-
Corporate
-
90 500
-
-
income
-
19 910
-
-
total
-
19 910
-
-
Dividends
-
70 590
-
-
income
-
15 530
-
-
total
-
15 530
-
-
Income
90 500
90 500
90 500
90 500
Total tax
95 544
35 440
11 863
27 957
After tax
-5 044
55 060
78 637
62 543
Living cost
38 909
38 909
38 909
38 909
Free-cash
-43 953
16 151
39 728
23 634

Estimated living cost  is ₽38909 per week

₽25245
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3659
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.
₽9508
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
₽35326
₽35420
₽37857
₽34232
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
-
-
-
90 500
income
-
-
-
10 289
social contributions
-
-
-
14 117
health
-
-
-
2 307
total
-
-
-
26 713
Employee
67 252
67 252
82 160
-
income
7 062
6 226
10 249
-
social contributions
3 268
5 582
6 820
-
health
669
1 144
1 397
-
total
10 999
12 952
18 466
-
Employer
67 252
67 252
82 160
-
social contributions
3 268
5 582
6 820
-
health
729
1 245
1 520
-
total
3 997
6 827
8 340
-
Corporate
47 137
16 421
-
-
income
5 892
2 053
-
-
total
5 892
2 053
-
-
Dividends
41 245
14 368
-
-
withholding
7 012
2 443
-
-
total
7 012
2 443
-
-
Income
90 500
90 500
90 500
90 500
Total tax
27 900
24 275
26 806
26 713
After tax
62 600
66 225
63 694
63 787
Living cost
28 367
28 367
28 367
28 367
Free-cash
34 232
37 857
35 326
35 420

Estimated living cost  is ₽28367 per week

₽19392
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2216
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽476
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.
₽6284
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
₽24783
₽32804
₽33990
₽31284
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
-
-
-
90 500
income
-
-
-
19 506
pensions
-
-
-
6 483
total
-
-
-
25 989
Employee
43 523
-
79 609
-
income
7 926
-
14 160
-
health
568
-
1 307
-
pensions
3 322
-
7 653
-
total
11 816
-
23 120
-
Employer
43 523
-
79 609
-
pensions
4 397
-
9 377
-
health
827
-
1 513
-
total
5 224
-
10 890
-
Corporate
41 753
90 500
-
-
income

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

7 933
17 194
-
-
total
7 933
17 194
-
-
Dividends
33 819
73 306
-
-
withholding
2 536
7 609
-
-
total
2 536
7 609
-
-
Income
90 500
90 500
90 500
90 500
Total tax
27 509
24 803
34 010
25 989
After tax
62 991
65 697
56 490
64 511
Living cost
31 707
31 707
31 707
31 707
Free-cash
31 284
33 990
24 783
32 804

Estimated living cost  is ₽31707 per week

₽21751
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2916
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽397
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6642
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
₽6366
₽10504
₽12827
₽8849
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
-
-
-
90 500
municipal
-
-
-
606
regional
-
-
-
1 835
national
-
-
-
19 437
social contributions
-
-
-
23 276
total
-
-
-
45 154
Employee
73 699
-
90 500
-
regional
1 113
-
1 551
-
social contributions
24 851
-
30 517
-
national
12 454
-
16 685
-
municipal
440
-
539
-
total
38 858
-
49 292
-
Employer
73 699
-
90 500
-
total
-
-
-
-
Corporate
16 801
90 500
-
-
nationa
4 031
21 721
-
-
municipal
810
4 362
-
-
total
4 841
26 083
-
-
Dividends
11 960
64 418
-
-
withholding
3 110
16 748
-
-
total
3 110
16 748
-
-
Income
90 500
90 500
90 500
90 500
Total tax
46 809
42 831
49 292
45 154
After tax
43 691
47 669
41 208
45 346
Living cost
34 842
34 842
34 842
34 842
Free-cash
8 849
12 827
6 366
10 504

Estimated living cost  is ₽34842 per week

₽24474
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2397
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽526
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.
₽7444
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
₽29271
₽44056
-₽10671
₽4569
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
-
-
-
90 500
income
-
-
-
22 742
health
-
-
-
1 785
accident
-
-
-
207
pensions
-
-
-
3 405
other
-
-
-
303
total
-
-
-
28 442
Employee
28 318
-
78 261
-
income
3 885
-
15 784
-
health
3 242
-
8 961
-
pensions
3 189
-
6 243
-
total
10 316
-
30 988
-
Employer
28 318
-
78 261
-
unemployment
694
-
1 917
-
pensions
4 605
-
9 015
-
accident
473
-
1 307
-
total
5 772
-
12 239
-
Corporate
56 410
90 500
-
-
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.

50 769
81 450
-
-
total
50 769
81 450
-
-
Dividends
5 641
9 050
-
-
withholding
1 072
1 719
-
-
total
1 072
1 719
-
-
Income
90 500
90 500
90 500
90 500
Total tax
67 929
83 169
43 227
28 442
After tax
22 571
7 331
47 273
62 058
Living cost
18 002
18 002
18 002
18 002
Free-cash
4 569
-10 671
29 271
44 056

Estimated living cost  is ₽18002 per week

₽13194
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽997
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽376
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3435
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
₽30277
₽23125
₽12914
₽24355
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.

-
-
-
90 500
income

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

-
-
-
19 415
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.

-
-
-
5 975
trade
-
-
-
7 152
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.

-
-
-
1 067
total
-
-
-
33 609
Employee

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

43 517
-
90 500
-
income

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

3 578
-
19 415
-
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.

5 975
-
5 975
-
surtax

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

198
-
1 067
-
total
9 751
-
26 457
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
46 983
90 500
-
-
chamber of commerce
202
266
-
-
income
7 047
13 575
-
-
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.

388
747
-
-
trade
6 742
12 987
-
-
total
14 379
27 575
-
-
Dividends
32 604
62 926
-
-
withholding
7 819
15 399
-
-
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.

430
846
-
-
total
8 249
16 245
-
-
Income
90 500
90 500
90 500
90 500
Total tax
32 379
43 820
26 457
33 609
After tax
58 121
46 680
64 043
56 891
Living cost
33 766
33 766
33 766
33 766
Free-cash
24 355
12 914
30 277
23 125

Estimated living cost  is ₽33766 per week

₽23292
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3633
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽490
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6350
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
₽32779
₽30083
₽54204
₽47031
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.

-
-
-
90 500
microenterprise
-
-
-
-
income
-
-
-
13 126
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.

-
-
-
29 096
surtax
-
-
-
-
total
-
-
-
42 222
Employee
25 556
-
72 930
-
income
4 549
-
13 933
-
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.

2 812
-
8 023
-
surtax
-
-
-
-
total
7 361
-
21 956
-
Employer
25 556
-
72 930
-
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.

6 156
-
17 570
-
surtax
-
-
-
-
total
6 156
-
17 570
-
Corporate
58 788
90 500
-
-
income

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

11 757
18 101
-
-
total
11 757
18 101
-
-
Dividends

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

47 031
72 399
-
-
total
-
-
-
-
Income
90 500
90 500
90 500
90 500
Total tax
25 274
18 101
39 526
42 222
After tax
65 226
72 399
50 974
48 278
Living cost
18 195
18 195
18 195
18 195
Free-cash
47 031
54 204
32 779
30 083

Estimated living cost  is ₽18195 per week

₽11608
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1733
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽413
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.
₽4441
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
₽40032
₽40838
₽45140
₽43279
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
-
-
-
90 500
income
-
-
-
24 071
health
-
-
-
5 993
pensions
-
-
-
8 266
total
-
-
-
38 330
Employee
17 260
-
81 201
-
income
3 339
-
23 637
-
health
863
-
2 067
-
unemployment
173
-
413
-
pensions
1 553
-
3 720
-
total
5 928
-
29 837
-
Employer
17 260
-
81 201
-
unemployment
345
-
827
-
pensions
1 899
-
4 546
-
health
1 640
-
3 926
-
total
3 884
-
9 299
-
Corporate
69 356
90 500
-
-
income
15 258
19 910
-
-
total
15 258
19 910
-
-
Dividends
54 098
70 590
-
-
withholding
10 819
14 118
-
-
total
10 819
14 118
-
-
Income
90 500
90 500
90 500
90 500
Total tax
35 889
34 028
39 136
38 330
After tax
54 611
56 472
51 364
52 170
Living cost
11 332
11 332
11 332
11 332
Free-cash
43 279
45 140
40 032
40 838

Estimated living cost  is ₽11332 per week

₽6734
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽919
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽260
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3420
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
₽24852
₽26604
₽37280
₽34498
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
-
-
-
90 500
income
-
-
-
17 366
health
-
-
-
6 425
unemployment
-
-
-
199
surtax
-
-
-
2 161
pensions
-
-
-
18 101
other
-
-
-
-
total
-
-
-
44 252
Employee
29 453
-
74 761
-
other
-
-
-
-
income
4 938
-
16 215
-
health
752
-
1 905
-
unemployment
2 050
-
5 203
-
surtax
105
-
1 958
-
pensions
1 965
-
4 986
-
total
9 810
-
30 267
-
Employer
29 453
-
74 761
-
unemployment
934
-
2 370
-
pensions
3 927
-
9 965
-
other
-
-
-
-
health
1 339
-
3 402
-
total
6 200
-
15 737
-
Corporate
54 846
90 500
-
-
income
14 260
23 530
-
-
total
14 260
23 530
-
-
Dividends
40 586
66 970
-
-
withholding
6 088
10 046
-
-
total
6 088
10 046
-
-
Income
90 500
90 500
90 500
90 500
Total tax
36 358
33 576
46 004
44 252
After tax
54 142
56 924
44 496
46 248
Living cost
19 644
19 644
19 644
19 644
Free-cash
34 498
37 280
24 852
26 604

Estimated living cost  is ₽19644 per week

₽11860
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1708
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽456
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5621
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
-₽808
₽17844
₽22871
₽22437
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
-
-
-
90 500
income
-
-
-
15 361
chamber of commerce
-
-
-
362
health
-
-