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
₽34451
₽24832
₽27179
₽38693
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
unemployment
-
-
-
525
income
-
-
-
18 554
other
-
-
-
75
accident
-
-
-
676
pensions
-
-
-
21 232
total
-
-
-
41 062
Employee
29 931
-
68 623
-
unemployment
464
-
1 063
-
pensions
1 407
-
3 226
-
income
5 770
-
17 175
-
other
29
-
69
-
total
7 670
-
21 533
-
Employer
29 931
-
68 623
-
pensions
7 063
-
16 195
-
accident
593
-
1 359
-
unemployment
1 647
-
3 774
-
other
240
-
548
-
total
9 543
-
21 876
-
Corporate
51 027
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.

7 654
13 575
-
-
total
7 654
13 575
-
-
Dividends
43 372
76 925
-
-
withholding
8 923
15 973
-
-
total
8 923
15 973
-
-
Income
90 500
90 500
90 500
90 500
Total tax
33 790
29 548
43 409
41 062
After tax
56 710
60 952
47 091
49 438
Living cost
22 259
22 259
22 259
22 259
Free-cash
34 451
38 693
24 832
27 179

Estimated living cost  is ₽22259 per week

₽15025
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2140
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽390
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4705
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
₽39455
₽30972
₽27231
₽44921
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
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
income
-
-
-
11 699
other
-
-
-
4 298
health
-
-
-
3 982
total
-
-
-
41 700
Employee
29 391
-
72 283
-
health
412
-
1 012
-
unemployment
293
-
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.

2 057
-
5 060
-
income
5 060
-
12 946
-
total
7 822
-
19 742
-
Employer
29 391
-
72 283
-
health
412
-
1 012
-
pensions

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

4 997
-
12 289
-
accident
235
-
578
-
unemployment
293
-
724
-
other
1 470
-
3 614
-
total
7 407
-
18 217
-
Corporate
53 702
90 500
-
-
income
11 278
19 005
-
-
total
11 278
19 005
-
-
Dividends
42 424
71 495
-
-
withholding
2 969
5 005
-
-
total
2 969
5 005
-
-
Income
90 500
90 500
90 500
90 500
Total tax
29 476
24 010
37 959
41 700
After tax
61 024
66 490
52 541
48 800
Living cost
21 569
21 569
21 569
21 569
Free-cash
39 455
44 921
30 972
27 231

Estimated living cost  is ₽21569 per week

₽15240
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1456
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽347
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4525
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
₽62988
₽61730
₽58743
₽66753
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
pensions

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

-
-
-
4 189
unemployment
-
-
-
113
income
-
-
-
13 575
health
-
-
-
3 255
total
-
-
-
21 132
Employee
14 069
-
84 946
-
health
647
-
1 302
-
accident

We are using the highest rate at 1.1%.

155
-
311
-
pensions

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

1 235
-
2 485
-
income
1 407
-
8 494
-
total
3 444
-
12 592
-
Employer
14 069
-
84 946
-
health
971
-
1 953
-
pensions

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

1 551
-
3 119
-
accident

We are using the highest rate at 1.1%.

155
-
311
-
unemployment
84
-
170
-
total
2 761
-
5 553
-
Corporate
73 670
90 500
-
-
income
7 367
9 050
-
-
total
7 367
9 050
-
-
Dividends
66 303
81 450
-
-
withholding
3 315
4 072
-
-
total
3 315
4 072
-
-
Income
90 500
90 500
90 500
90 500
Total tax
16 887
13 122
18 145
21 132
After tax
73 613
77 378
72 355
69 368
Living cost
10 625
10 625
10 625
10 625
Free-cash
62 988
66 753
61 730
58 743

Estimated living cost  is ₽10625 per week

₽6203
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽759
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽281
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3382
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
₽22698
₽27798
₽24149
₽17917
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
-
-
-
9 970
other
-
-
-
2 805
health
-
-
-
2 201
social contributions
-
-
-
2 578
pensions
-
-
-
21 102
surtax
-
-
-
-
total
-
-
-
38 656
Employee
34 644
-
72 887
-
pensions
3 917
-
3 822
-
income
2 045
-
11 497
-
social contributions
988
-
2 077
-
surtax
-
-
-
-
total
6 950
-
17 396
-
Employer
34 644
-
72 887
-
health
2 426
-
5 268
-
social contributions
104
-
218
-
pensions
5 691
-
6 658
-
unemployment
1 402
-
2 952
-
other
1 195
-
2 515
-
total
10 818
-
17 611
-
Corporate
45 037
90 500
-
-
income
12 610
25 340
-
-
surtax
-
-
-
-
total
12 610
25 340
-
-
Dividends
32 427
65 160
-
-
social contributions
5 578
11 207
-
-
surtax
-
-
-
-
withholding
4 151
8 341
-
-
total
9 729
19 548
-
-
Income
90 500
90 500
90 500
90 500
Total tax
40 107
44 888
35 007
38 656
After tax
50 393
45 612
55 493
51 844
Living cost
27 695
27 695
27 695
27 695
Free-cash
22 698
17 917
27 798
24 149

Estimated living cost  is ₽27695 per week

₽17463
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2252
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽472
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.
₽7510
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
₽5160
₽12831
₽17666
₽10119
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
pensions
-
-
-
9 484
income
-
-
-
19 458
health
-
-
-
9 982
total
-
-
-
38 924
Employee
69 125
69 125
77 013
-
health
10 610
9 025
9 475
-
pensions
12 443
9 484
9 484
-
income

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

11 315
11 315
11 315
-
total
34 368
29 824
30 274
-
Employer
69 125
69 125
77 013
-
health
4 805
4 805
5 352
-
pensions
4 811
4 811
5 360
-
unemployment
2 489
2 489
2 773
-
total
12 105
12 105
13 485
-
Corporate
10 118
9 270
-
-
income
2 023
1 854
-
-
total
2 023
1 854
-
-
Dividends
8 095
7 416
-
-
income
1 720
1 576
-
-
withholding
1 214
1 112
-
-
total
2 934
2 688
-
-
Income
90 500
90 500
90 500
90 500
Total tax
51 430
46 471
43 759
38 924
After tax
39 070
44 029
46 741
51 576
Living cost
33 910
33 910
33 910
33 910
Free-cash
5 160
10 119
12 831
17 666

Estimated living cost  is ₽33910 per week

₽24031
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3057
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽539
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6283
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
₽30163
₽38594
₽30268
₽21211
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
trade
-
-
-
8 326
income

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

-
-
-
20 718
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.

-
-
-
5 530
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.

-
-
-
1 140
total
-
-
-
35 714
Employee

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

30 961
-
90 500
-
health

Our model is based on the assumption that an owner of the company is either a director or registered self-employed, so all social security contributions are not mandatory.

However, you would need to purchase private health insurance. We took an average price of €3600 per annum per person.

5 530
-
5 530
-
income

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

865
-
20 718
-
surtax

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

48
-
1 140
-
total
6 443
-
27 388
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
59 539
90 500
-
-
income
8 931
13 575
-
-
trade
9 378
14 254
-
-
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.

492
747
-
-
chamber of commerce
209
253
-
-
total
19 010
28 829
-
-
Dividends
40 530
61 672
-
-
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.

541
831
-
-
withholding
9 825
15 111
-
-
total
10 366
15 942
-
-
Income
90 500
90 500
90 500
90 500
Total tax
35 819
44 771
27 388
35 714
After tax
54 681
45 729
63 112
54 786
Living cost
24 518
24 518
24 518
24 518
Free-cash
30 163
21 211
38 594
30 268

Estimated living cost  is ₽24518 per week

₽15423
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2859
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.
₽5779
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
₽43045
₽44068
₽44871
₽47450
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
-
-
-
11 484
health
-
-
-
2 307
social contributions
-
-
-
13 097
total
-
-
-
26 888
Employee
62 244
62 244
82 160
-
health
482
1 058
1 396
-
income
6 777
5 762
11 138
-
social contributions
2 353
5 166
6 819
-
total
9 612
11 986
19 353
-
Employer
62 244
62 244
82 160
-
health
524
1 152
1 519
-
social contributions
2 353
5 166
6 819
-
total
2 877
6 318
8 338
-
Corporate
59 268
21 938
-
-
income
7 409
2 742
-
-
total
7 409
2 742
-
-
Dividends
51 860
19 196
-
-
withholding
8 816
3 263
-
-
total
8 816
3 263
-
-
Income
90 500
90 500
90 500
90 500
Total tax
28 714
24 309
27 691
26 888
After tax
61 786
66 191
62 809
63 612
Living cost
18 741
18 741
18 741
18 741
Free-cash
43 045
47 450
44 068
44 871

Estimated living cost  is ₽18741 per week

₽11232
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1839
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.
₽5257
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
₽25271
₽19557
₽24765
₽26086
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
-
-
-
8 896
social contributions

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

-
-
-
31 449
surtax
-
-
-
-
total
-
-
-
40 345
Employee
37 229
-
73 131
-
income
7 744
-
20 139
-
social contributions
4 095
-
8 045
-
surtax
-
-
-
-
total
11 839
-
28 184
-
Employer
37 229
-
73 131
-
social contributions
8 842
-
17 369
-
total
8 842
-
17 369
-
Corporate
44 429
90 500
-
-
income
9 330
19 005
-
-
surtax
-
-
-
-
total
9 330
19 005
-
-
Dividends
35 099
71 495
-
-
withholding
9 828
20 019
-
-
total
9 828
20 019
-
-
Income
90 500
90 500
90 500
90 500
Total tax
39 839
39 024
45 553
40 345
After tax
50 661
51 476
44 947
50 155
Living cost
25 390
25 390
25 390
25 390
Free-cash
25 271
26 086
19 557
24 765

Estimated living cost  is ₽25390 per week

₽18997
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1498
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽424
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4472
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
₽78794
₽66353
₽83548
₽79928
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
7 559
-
90 500
-
income
1 512
-
18 100
-
total
1 512
-
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%.

82 941
90 500
-
-
total
-
-
-
-
Dividends
82 941
90 500
-
-
withholding
4 147
4 525
-
-
total
4 147
4 525
-
-
Income
90 500
90 500
90 500
90 500
Total tax
5 659
4 525
18 100
905
After tax
84 841
85 975
72 400
89 595
Living cost
6 047
6 047
6 047
6 047
Free-cash
78 794
79 928
66 353
83 548

Estimated living cost  is ₽6047 per week

₽3748
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽503
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽166
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽1631
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

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

Ljubljana , Slovenia
₽33827
₽22100
₽24693
₽40597
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
pensions
-
-
-
16 527
unemployment
-
-
-
135
income
-
-
-
18 528
health
-
-
-
8 905
total
-
-
-
44 095
Employee

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

35 795
-
78 306
-
health
2 312
-
5 058
-
unemployment
51
-
109
-
pensions
5 548
-
12 137
-
income
6 173
-
17 192
-
total
14 084
-
34 496
-
Employer

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

35 795
-
78 306
-
health
2 384
-
5 215
-
pensions
3 167
-
6 929
-
unemployment
22
-
48
-
total
5 573
-
12 192
-
Corporate
49 132
90 500
-
-
income
9 335
17 195
-
-
total
9 335
17 195
-
-
Dividends
39 797
73 305
-
-
withholding
5 969
10 996
-
-
total
5 969
10 996
-
-
Income
90 500
90 500
90 500
90 500
Total tax
34 961
28 191
46 688
44 095
After tax
55 539
62 309
43 812
46 405
Living cost
21 712
21 712
21 712
21 712
Free-cash
33 827
40 597
22 100
24 693

Estimated living cost  is ₽21712 per week

₽14900
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1392
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽421
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5000
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
₽27993
₽37229
₽32950
₽25164
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
-
-
-
23 042
health

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

-
-
-
5 124
total
-
-
-
28 166
Employee
37 134
-
86 776
-
social contributions
3 720
-
3 724
-
income
4 029
-
16 439
-
total
7 749
-
20 163
-
Employer
37 134
-
86 776
-
social contributions
3 720
-
3 724
-
total
3 720
-
3 724
-
Corporate
49 646
90 500
-
-
income
17 377
31 675
-
-
total
17 377
31 675
-
-
Dividends
32 270
58 825
-
-
social contributions
4 277
4 277
-
-
total
4 277
4 277
-
-
Income
90 500
90 500
90 500
90 500
Total tax
33 123
35 952
23 887
28 166
After tax
57 377
54 548
66 613
62 334
Living cost
29 384
29 384
29 384
29 384
Free-cash
27 993
25 164
37 229
32 950

Estimated living cost  is ₽29384 per week

₽19355
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2316
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽450
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7261
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
₽38470
₽40619
₽40955
₽38048
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
-
-
-
6 317
social contributions
-
-
-
12 489
total
-
-
-
32 381
Employee
27 446
-
90 500
-
health
1 916
-
6 317
-
income
4 578
-
13 911
-
social contributions
3 788
-
12 489
-
total
10 282
-
32 717
-
Employer
27 446
-
90 500
-
total
-
-
-
-
Corporate
63 054
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%.

3 152
4 525
-
-
total
3 152
4 525
-
-
Dividends
59 902
85 975
-
-
social contributions
8 266
11 865
-
-
withholding
8 985
12 896
-
-
health
4 181
6 002
-
-
total
21 432
30 763
-
-
Income
90 500
90 500
90 500
90 500
Total tax
34 866
35 288
32 717
32 381
After tax
55 634
55 212
57 783
58 119
Living cost
17 164
17 164
17 164
17 164
Free-cash
38 470
38 048
40 619
40 955

Estimated living cost  is ₽17164 per week

₽11487
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1058
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽395
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4223
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
₽31624
₽23308
₽21471
₽39691
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
-
-
-
7 781
health
-
-
-
12 218
social contributions
-
-
-
26 412
solidarity contribution
-
-
-
-
total
-
-
-
46 411
Employee
33 261
-
67 537
-
health
4 490
-
9 118
-
solidarity contribution
-
-
-
-
income
3 991
-
8 104
-
social contributions
2 162
-
4 390
-
total
10 643
-
21 612
-
Employer
33 261
-
67 537
-
health
2 993
-
6 078
-
social contributions
8 315
-
16 884
-
total
11 308
-
22 962
-
Corporate
45 930
90 500
-
-
income
8 727
17 195
-
-
total
8 727
17 195
-
-
Dividends
37 203
73 305
-
-
withholding
5 580
10 996
-
-
total
5 580
10 996
-
-
Income
90 500
90 500
90 500
90 500
Total tax
36 258
28 191
44 574
46 411
After tax
54 242
62 309
45 926
44 089
Living cost
22 618
22 618
22 618
22 618
Free-cash
31 624
39 691
23 308
21 471

Estimated living cost  is ₽22618 per week

₽16820
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1253
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.
₽4153
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
₽74785
₽62977
₽80172
₽76552
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
11 779
-
90 500
-
income
2 356
-
18 100
-
total
2 356
-
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%.

78 721
90 500
-
-
total
-
-
-
-
Dividends
78 721
90 500
-
-
withholding
3 936
4 525
-
-
total
3 936
4 525
-
-
Income
90 500
90 500
90 500
90 500
Total tax
6 292
4 525
18 100
905
After tax
84 208
85 975
72 400
89 595
Living cost
9 423
9 423
9 423
9 423
Free-cash
74 785
76 552
62 977
80 172

Estimated living cost  is ₽9423 per week

₽6377
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽396
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽316
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2335
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

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

Paris , France
₽12080
₽16397
₽12748
₽6516
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
-
-
-
9 970
other
-
-
-
2 805
health
-
-
-
2 201
social contributions
-
-
-
2 578
pensions
-
-
-
21 102
surtax
-
-
-
-
total
-
-
-
38 656
Employee
50 698
-
72 887
-
pensions
5 734
-
3 822
-
income
4 424
-
11 497
-
social contributions
1 444
-
2 077
-
surtax
-
-
-
-
total
11 602
-
17 396
-
Employer
50 698
-
72 887
-
health
3 548
-
5 268
-
social contributions
152
-
218
-
pensions
8 330
-
6 658
-
unemployment
2 054
-
2 952
-
other
1 750
-
2 515
-
total
15 834
-
17 611
-
Corporate
23 967
90 500
-
-
income
6 711
25 340
-
-
surtax
-
-
-
-
total
6 711
25 340
-
-
Dividends
17 256
65 160
-
-
social contributions
2 968
11 207
-
-
surtax
-
-
-
-
withholding
2 209
8 341
-
-
total
5 177
19 548
-
-
Income
90 500
90 500
90 500
90 500
Total tax
39 324
44 888
35 007
38 656
After tax
51 176
45 612
55 493
51 844
Living cost
39 096
39 096
39 096
39 096
Free-cash
12 080
6 516
16 397
12 748

Estimated living cost  is ₽39096 per week

₽26460
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3198
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽536
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8902
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
₽47471
₽35121
₽35121
₽51438
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
pensions
-
-
-
15 497
unemployment
-
-
-
894
income
-
-
-
18 901
health
-
-
-
6 139
total
-
-
-
41 431
Employee

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

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

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

21 032
-
79 831
-
health
1 083
-
3 070
-
unemployment
158
-
447
-
pensions
2 944
-
8 344
-
income
2 899
-
18 901
-
total
7 084
-
30 762
-
Employer

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

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

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

21 032
-
79 831
-
health
1 083
-
3 070
-
pensions
2 524
-
7 152
-
unemployment
158
-
447
-
total
3 765
-
10 669
-
Corporate
65 703
90 500
-
-
income
9 855
13 575
-
-
total
9 855
13 575
-
-
Dividends
55 848
76 925
-
-
withholding
8 377
11 539
-
-
total
8 377
11 539
-
-
Income
90 500
90 500
90 500
90 500
Total tax
29 081
25 114
41 431
41 431
After tax
61 419
65 386
49 069
49 069
Living cost
13 948
13 948
13 948
13 948
Free-cash
47 471
51 438
35 121
35 121

Estimated living cost  is ₽13948 per week

₽9391
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1079
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽404
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.
₽3074
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
₽9145
₽13950
₽18439
-₽14965
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
pensions
-
-
-
8 326
city
-
-
-
954
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
health
-
-
-
204
regional
-
-
-
3 566
national
-
-
-
851
total
-
-
-
15 712
Employee
65 943
-
81 002
-
health
149
-
182
-
unemployment
-
-
-
-
city
708
-
870
-
pensions
5 540
-
6 805
-
regional
2 159
-
3 074
-
national
312
-
664
-
total
8 868
-
11 595
-
Employer
65 943
-
81 002
-
health
149
-
182
-
pensions
5 540
-
6 805
-
unemployment
-
-
-
-
other

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

1 318
-
1 619
-
total
7 007
-
8 606
-
Corporate
16 825
90 500
-
-
regional
3 559
19 141
-
-
national
1 430
7 692
-
-
total
4 989
26 833
-
-
Dividends
11 836
63 667
-
-
withholding
4 142
22 283
-
-
total
4 142
22 283
-
-
Income
90 500
90 500
90 500
90 500
Total tax
25 006
49 116
20 201
15 712
After tax
65 494
41 384
70 299
74 788
Living cost
56 349
56 349
56 349
56 349
Free-cash
9 145
-14 965
13 950
18 439

Estimated living cost  is ₽56349 per week

₽36643
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5057
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽692
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽13957
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
₽27593
₽19708
₽32117
₽28365
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
-
-
-
16 100
health
-
-
-
1 055
national
-
-
-
10 150
total
-
-
-
27 305
Employee
42 588
-
76 133
-
health
318
-
834
-
unemployment
639
-
1 141
-
pensions
2 874
-
5 138
-
national
704
-
5 809
-
municipal
6 975
-
12 424
-
total
11 510
-
25 346
-
Employer
42 588
-
76 133
-
health
327
-
587
-
pensions
7 389
-
13 209
-
accident
43
-
77
-
unemployment
277
-
495
-
total
8 036
-
14 368
-
Corporate
39 877
90 500
-
-
income
7 976
18 100
-
-
total
7 976
18 100
-
-
Dividends

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

23 926
54 300
-
-
municipal
4 307
9 774
-
-
national
-
3 183
-
-
total
4 307
12 957
-
-
Income
90 500
90 500
90 500
90 500
Total tax
31 829
31 057
39 714
27 305
After tax
58 671
59 443
50 786
63 195
Living cost
31 078
31 078
31 078
31 078
Free-cash
27 593
28 365
19 708
32 117

Estimated living cost  is ₽31078 per week

₽20300
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2989
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.
₽7295
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
₽9066
₽5193
₽11843
₽21206
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
communal

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

-
-
-
4 555
social contributions
-
-
-
14 592
national
-
-
-
29 996
total
-
-
-
49 143
Employee

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

57 902
-
70 097
-
health

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

2 720
-
3 295
-
communal

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

3 020
-
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.

504
-
610
-
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.

4 343
-
5 257
-
national
17 801
-
22 572
-
total
28 388
-
35 390
-
Employer

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

57 902
-
70 097
-
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.

3 561
-
4 310
-
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.

5 131
-
6 211
-
surtax
6 565
-
7 948
-
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.

753
-
911
-
unemployment

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

845
-
1 023
-
total
16 855
-
20 403
-
Corporate
15 744
90 500
-
-
income
3 149
18 100
-
-
surtax
63
363
-
-
total
3 212
18 463
-
-
Dividends
12 532
72 037
-
-
withholding

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

3 465
21 317
-
-
total
3 465
21 317
-
-
Income
90 500
90 500
90 500
90 500
Total tax
51 920
39 780
55 793
49 143
After tax
38 580
50 720
34 707
41 357
Living cost
29 514
29 514
29 514
29 514
Free-cash
9 066
21 206
5 193
11 843

Estimated living cost  is ₽29514 per week

₽19011
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2581
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽462
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7461
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
₽13722
₽13421
₽13051
₽14506
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
unemployment
-
-
-
77
municipal
-
-
-
20 378
other
-
-
-
8 890
health
-
-
-
4 774
national
-
-
-
-
accident
-
-
-
153
pensions
-
-
-
8 270
total
-
-
-
42 542
Employee
49 740
-
68 863
-
national
-
-
-
-
municipal
14 832
-
20 535
-
total
14 832
-
20 535
-
Employer
49 740
-
68 863
-
health
3 059
-
4 235
-
pensions
5 377
-
7 444
-
accident
100
-
138
-
unemployment
1 313
-
1 818
-
other
5 780
-
8 002
-
total
15 629
-
21 637
-
Corporate
25 132
90 500
-
-
income
5 529
19 910
-
-
total
5 529
19 910
-
-
Dividends
19 603
70 590
-
-
withholding
5 881
21 177
-
-
total
5 881
21 177
-
-
Income
90 500
90 500
90 500
90 500
Total tax
41 871
41 087
42 172
42 542
After tax
48 629
49 413
48 328
47 958
Living cost
34 908
34 908
34 908
34 908
Free-cash
13 722
14 506
13 421
13 051

Estimated living cost  is ₽34908 per week

₽23135
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3425
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽530
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7817
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
-₽42087
₽40433
₽24174
₽16691
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
55 015
-
-
-
income
12 135
-
-
-
social contributions
4 511
-
643
-
total
16 646
-
643
-
Employer
55 015
-
-
-
social contributions
77 572
-
11 055
-
total
77 572
-
11 055
-
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
94 218
35 440
11 698
27 957
After tax
-3 718
55 060
78 802
62 543
Living cost
38 369
38 369
38 369
38 369
Free-cash
-42 087
16 691
40 433
24 174

Estimated living cost  is ₽38369 per week

₽24895
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3609
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽489
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9376
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
₽36577
₽36554
₽37357
₽39936
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
-
-
-
11 484
health
-
-
-
2 307
social contributions
-
-
-
13 097
total
-
-
-
26 888
Employee
62 244
62 244
82 160
-
health
619
1 058
1 396
-
income
6 536
5 762
11 138
-
social contributions
3 025
5 166
6 819
-
total
10 180
11 986
19 353
-
Employer
62 244
62 244
82 160
-
health
674
1 152
1 519
-
social contributions
3 025
5 166
6 819
-
total
3 699
6 318
8 338
-
Corporate
50 366
21 938
-
-
income
6 297
2 742
-
-
total
6 297
2 742
-
-
Dividends
44 070
19 196
-
-
withholding
7 492
3 263
-
-
total
7 492
3 263
-
-
Income
90 500
90 500
90 500
90 500
Total tax
27 668
24 309
27 691
26 888
After tax
62 832
66 191
62 809
63 612
Living cost
26 255
26 255
26 255
26 255
Free-cash
36 577
39 936
36 554
37 357

Estimated living cost  is ₽26255 per week

₽17948
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2051
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽441
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5816
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
₽34478
₽26143
₽34588
₽35343
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
-
-
-
20 904
pensions
-
-
-
6 074
total
-
-
-
26 978
Employee
39 716
-
79 490
-
health
518
-
1 333
-
pensions
3 031
-
7 804
-
income
7 233
-
15 275
-
total
10 782
-
24 412
-
Employer
39 716
-
79 490
-
health
755
-
1 510
-
pensions
4 013
-
9 501
-
total
4 768
-
11 011
-
Corporate
46 016
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.

8 742
17 195
-
-
total
8 742
17 195
-
-
Dividends
37 274
73 305
-
-
withholding
2 796
9 028
-
-
total
2 796
9 028
-
-
Income
90 500
90 500
90 500
90 500
Total tax
27 088
26 223
35 423
26 978
After tax
63 412
64 277
55 077
63 522
Living cost
28 934
28 934
28 934
28 934
Free-cash
34 478
35 343
26 143
34 588

Estimated living cost  is ₽28934 per week

₽19849
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2661
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽362
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6061
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
₽11740
₽8447
₽12583
₽15421
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
-
-
-
605
regional
-
-
-
1 895
social contributions
-
-
-
23 277
national
-
-
-
19 893
total
-
-
-
45 670
Employee
68 211
-
90 500
-
social contributions
23 000
-
30 516
-
regional
1 030
-
1 610
-
national
11 527
-
17 141
-
municipal
407
-
539
-
total
35 964
-
49 806
-
Employer
68 211
-
90 500
-
total
-
-
-
-
Corporate
22 289
90 500
-
-
nationa
5 349
21 721
-
-
municipal
1 074
4 363
-
-
total
6 423
26 084
-
-
Dividends
15 867
64 417
-
-
withholding
4 126
16 748
-
-
total
4 126
16 748
-
-
Income
90 500
90 500
90 500
90 500
Total tax
46 513
42 832
49 806
45 670
After tax
43 987
47 668
40 694
44 830
Living cost
32 247
32 247
32 247
32 247
Free-cash
11 740
15 421
8 447
12 583

Estimated living cost  is ₽32247 per week

₽22652
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2218
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽487
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6889
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
₽4702
₽30375
₽44893
-₽9810
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
pensions
-
-
-
3 242
income
-
-
-
23 039
other
-
-
-
289
health
-
-
-
1 699
accident
-
-
-
197
total
-
-
-
28 466
Employee
26 964
-
78 675
-
health
3 087
-
9 008
-
pensions
3 036
-
5 944
-
income
3 699
-
16 206
-
total
9 822
-
31 158
-
Employer
26 964
-
78 675
-
pensions
4 384
-
8 584
-
accident
450
-
1 314
-
unemployment
661
-
1 928
-
total
5 495
-
11 826
-
Corporate
58 041
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.

52 237
81 450
-
-
total
52 237
81 450
-
-
Dividends
5 804
9 050
-
-
withholding
1 103
1 719
-
-
total
1 103
1 719
-
-
Income
90 500
90 500
90 500
90 500
Total tax
68 657
83 169
42 984
28 466
After tax
21 843
7 331
47 516
62 034
Living cost
17 141
17 141
17 141
17 141
Free-cash
4 702
-9 810
30 375
44 893

Estimated living cost  is ₽17141 per week

₽12563
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽950
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽358
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3271
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
₽26000
₽31861
₽24274
₽15411
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
trade
-
-
-
7 587
income

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

-
-
-
20 718
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.

-
-
-
5 530
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.

-
-
-
1 140
total
-
-
-
34 975
Employee

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

40 276
-
90 500
-
health

Our model is based on the assumption that an owner of the company is either a director or registered self-employed, so all social security contributions are not mandatory.

However, you would need to purchase private health insurance. We took an average price of €3600 per annum per person.

5 530
-
5 530
-
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.

3 312
-
20 718
-
surtax

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

183
-
1 140
-
total
9 025
-
27 388
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
50 224
90 500
-
-
income
7 533
13 575
-
-
trade
7 207
12 986
-
-
surtax

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

415
747
-
-
chamber of commerce
197
255
-
-
total
15 352
27 563
-
-
Dividends
34 872
62 938
-
-
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.

462
848
-
-
withholding
8 410
15 427
-
-
total
8 872
16 275
-
-
Income
90 500
90 500
90 500
90 500
Total tax
33 249
43 838
27 388
34 975
After tax
57 251
46 662
63 112
55 525
Living cost
31 251
31 251
31 251
31 251
Free-cash
26 000
15 411
31 861
24 274

Estimated living cost  is ₽31251 per week

₽21558
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3363
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽453
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5877
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
₽48920
₽34060
₽31363
₽55560
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
income
-
-
-
13 201
microenterprise
-
-
-
-
social contributions

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

-
-
-
29 096
surtax
-
-
-
-
total
-
-
-
42 297
Employee
23 653
-
72 931
-
income
4 210
-
14 008
-
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.

2 602
-
8 023
-
surtax
-
-
-
-
total
6 812
-
22 031
-
Employer
23 653
-
72 931
-
social contributions

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

5 697
-
17 569
-
surtax
-
-
-
-
total
5 697
-
17 569
-
Corporate
61 150
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%.

12 231
18 100
-
-
total
12 231
18 100
-
-
Dividends

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

48 919
72 400
-
-
total
-
-
-
-
Income
90 500
90 500
90 500
90 500
Total tax
24 740
18 100
39 600
42 297
After tax
65 760
72 400
50 900
48 203
Living cost
16 840
16 840
16 840
16 840
Free-cash
48 920
55 560
34 060
31 363

Estimated living cost  is ₽16840 per week

₽10744
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1604
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽382
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4111
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
₽44901
₽42340
₽43049
₽46533
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
-
-
-
25 006
health
-
-
-
5 256
pensions
-
-
-
7 250
total
-
-
-
37 512
Employee
15 139
-
82 344
-
health
757
-
1 813
-
unemployment
151
-
363
-
pensions
1 362
-
3 263
-
income
2 929
-
24 625
-
total
5 199
-
30 064
-
Employer
15 139
-
82 344
-
health
1 438
-
3 444
-
pensions
1 665
-
3 988
-
unemployment
303
-
725
-
total
3 406
-
8 157
-
Corporate
71 955
90 500
-
-
income
15 830
19 910
-
-
total
15 830
19 910
-
-
Dividends
56 125
70 590
-
-
withholding
11 225
14 118
-
-
total
11 225
14 118
-
-
Income
90 500
90 500
90 500
90 500
Total tax
35 660
34 028
38 221
37 512
After tax
54 840
56 472
52 279
52 988
Living cost
9 939
9 939
9 939
9 939
Free-cash
44 901
46 533
42 340
43 049

Estimated living cost  is ₽9939 per week

₽5907
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽806
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽228
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2999
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details
Athens , Greece
₽36166
₽25523
₽27007
₽38742
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
pensions
-
-
-
18 100
unemployment
-
-
-
184
income
-
-
-
18 238
other
-
-
-
-
health
-
-
-
6 426
surtax
-
-
-
2 363
total
-
-
-
45 311
Employee
27 260
-
74 761
-
health
696
-
1 906
-
unemployment
1 897
-
5 203
-
pensions
1 819
-
4 986
-
income
4 570
-
16 833
-
other
-
-
-
-
surtax
97
-
2 129
-
total
9 079
-
31 057
-
Employer
27 260
-
74 761
-
health
1 240
-
3 402
-
pensions
3 634
-
9 966
-
unemployment
865
-
2 370
-
other
-
-
-
-
total
5 739
-
15 738
-
Corporate
57 501
90 500
-
-
income
14 951
23 530
-
-
total
14 951
23 530
-
-
Dividends
42 550
66 970
-
-
withholding
6 383
10 046
-
-
total
6 383
10 046
-
-
Income
90 500
90 500
90 500
90 500
Total tax
36 152
33 576
46 795
45 311
After tax
54 348
56 924
43 705
45 189
Living cost
18 182
18 182
18 182
18 182
Free-cash
36 166
38 742
25 523
27 007

Estimated living cost  is ₽18182 per week

₽10977
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1581
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.
₽5203
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
₽24433
₽432
₽19375
₽24831
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
pensions
-
-
-
16 742
chamber of commerce
-
-
-
363
unemployment
-