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
₽ 91500
per

Your estimated
City
free-cash

Valencia , Spain
₽35119
₽25278
₽27806
₽39347
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
-
-
-
91 500
unemployment
-
-
-
525
income
-
-
-
18 924
other
-
-
-
75
accident
-
-
-
676
pensions
-
-
-
21 233
total
-
-
-
41 433
Employee
29 932
-
69 382
-
unemployment
464
-
1 075
-
pensions
1 407
-
3 261
-
income
5 771
-
17 438
-
other
29
-
69
-
total
7 671
-
21 843
-
Employer
29 932
-
69 382
-
pensions
7 063
-
16 374
-
accident
593
-
1 373
-
unemployment
1 647
-
3 816
-
other
240
-
555
-
total
9 543
-
22 118
-
Corporate
52 025
91 500
-
-
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.

7 804
13 724
-
-
total
7 804
13 724
-
-
Dividends
44 221
77 776
-
-
withholding
9 102
16 168
-
-
total
9 102
16 168
-
-
Income
91 500
91 500
91 500
91 500
Total tax
34 120
29 892
43 961
41 433
After tax
57 380
61 608
47 539
50 067
Living cost
22 261
22 261
22 261
22 261
Free-cash
35 119
39 347
25 278
27 806

Estimated living cost  is ₽22261 per week

₽15026
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
₽40188
₽31515
₽27731
₽45655
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
-
-
-
91 500
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.

-
-
-
21 960
income
-
-
-
11 867
other
-
-
-
4 346
health
-
-
-
4 026
total
-
-
-
42 199
Employee
29 392
-
73 083
-
health
412
-
1 023
-
unemployment
293
-
731
-
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
-
5 116
-
income
5 060
-
13 128
-
total
7 822
-
19 998
-
Employer
29 392
-
73 083
-
health
412
-
1 023
-
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
-
12 423
-
accident
235
-
585
-
unemployment
293
-
731
-
other
1 470
-
3 655
-
total
7 407
-
18 417
-
Corporate
54 700
91 500
-
-
income
11 488
19 215
-
-
total
11 488
19 215
-
-
Dividends
43 212
72 285
-
-
withholding
3 025
5 060
-
-
total
3 025
5 060
-
-
Income
91 500
91 500
91 500
91 500
Total tax
29 742
24 275
38 415
42 199
After tax
61 758
67 225
53 085
49 301
Living cost
21 570
21 570
21 570
21 570
Free-cash
40 188
45 655
31 515
27 731

Estimated living cost  is ₽21570 per week

₽15241
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.
₽4526
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
₽63839
₽62622
₽59585
₽67603
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
-
-
-
91 500
pensions

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

-
-
-
4 191
unemployment
-
-
-
113
income
-
-
-
13 725
health
-
-
-
3 257
total
-
-
-
21 286
Employee
14 075
-
85 944
-
health
647
-
1 303
-
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.

1 236
-
2 486
-
income
1 407
-
8 594
-
total
3 445
-
12 694
-
Employer
14 075
-
85 944
-
health
971
-
1 954
-
pensions

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

1 551
-
3 120
-
accident

We are using the highest rate at 1.1%.

155
-
311
-
unemployment
84
-
170
-
total
2 761
-
5 555
-
Corporate
74 664
91 500
-
-
income
7 466
9 150
-
-
total
7 466
9 150
-
-
Dividends
67 197
82 350
-
-
withholding
3 360
4 118
-
-
total
3 360
4 118
-
-
Income
91 500
91 500
91 500
91 500
Total tax
17 032
13 268
18 249
21 286
After tax
74 468
78 232
73 251
70 214
Living cost
10 629
10 629
10 629
10 629
Free-cash
63 839
67 603
62 622
59 585

Estimated living cost  is ₽10629 per week

₽6206
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.
₽282
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.
₽3383
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
₽23200
₽28240
₽24695
₽18422
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
-
-
-
91 500
income
-
-
-
10 208
other
-
-
-
2 836
health
-
-
-
2 274
social contributions
-
-
-
2 607
pensions
-
-
-
21 184
surtax
-
-
-
-
total
-
-
-
39 109
Employee
34 646
-
73 616
-
pensions
3 917
-
3 896
-
income
2 045
-
11 688
-
social contributions
988
-
2 097
-
surtax
-
-
-
-
total
6 950
-
17 681
-
Employer
34 646
-
73 616
-
health
2 426
-
5 364
-
social contributions
104
-
221
-
pensions
5 692
-
6 777
-
unemployment
1 403
-
2 982
-
other
1 195
-
2 539
-
total
10 820
-
17 883
-
Corporate
46 035
91 500
-
-
income
12 890
25 621
-
-
surtax
-
-
-
-
total
12 890
25 621
-
-
Dividends
33 145
65 879
-
-
social contributions
5 701
11 329
-
-
surtax
-
-
-
-
withholding
4 243
8 432
-
-
total
9 944
19 761
-
-
Income
91 500
91 500
91 500
91 500
Total tax
40 604
45 382
35 564
39 109
After tax
50 896
46 118
55 936
52 391
Living cost
27 696
27 696
27 696
27 696
Free-cash
23 200
18 422
28 240
24 695

Estimated living cost  is ₽27696 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
₽5669
₽13631
₽18285
₽10629
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
-
-
-
91 500
pensions
-
-
-
9 484
income
-
-
-
19 838
health
-
-
-
9 982
total
-
-
-
39 304
Employee
69 129
69 129
77 865
-
health
10 611
9 025
9 523
-
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
34 369
29 824
30 322
-
Employer
69 129
69 129
77 865
-
health
4 805
4 805
5 412
-
pensions
4 811
4 811
5 420
-
unemployment
2 489
2 489
2 804
-
total
12 105
12 105
13 636
-
Corporate
11 114
10 266
-
-
income
2 223
2 054
-
-
total
2 223
2 054
-
-
Dividends
8 891
8 212
-
-
income
1 890
1 745
-
-
withholding
1 333
1 232
-
-
total
3 223
2 977
-
-
Income
91 500
91 500
91 500
91 500
Total tax
51 920
46 960
43 958
39 304
After tax
39 580
44 540
47 542
52 196
Living cost
33 911
33 911
33 911
33 911
Free-cash
5 669
10 629
13 631
18 285

Estimated living cost  is ₽33911 per week

₽24032
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
₽30668
₽37590
₽29107
₽21716
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.

-
-
-
91 500
trade
-
-
-
8 483
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.

-
-
-
22 617
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.

-
-
-
1 244
total
-
-
-
37 874
Employee

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

30 962
-
91 500
-
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
-
22 617
-
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
-
1 244
-
total
6 443
-
29 391
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
60 538
91 500
-
-
income
9 080
13 724
-
-
trade
9 535
14 411
-
-
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.

499
754
-
-
chamber of commerce
210
255
-
-
total
19 324
29 144
-
-
Dividends
41 213
62 355
-
-
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.

550
840
-
-
withholding
9 996
15 281
-
-
total
10 546
16 121
-
-
Income
91 500
91 500
91 500
91 500
Total tax
36 313
45 265
29 391
37 874
After tax
55 187
46 235
62 109
53 626
Living cost
24 519
24 519
24 519
24 519
Free-cash
30 668
21 716
37 590
29 107

Estimated living cost  is ₽24519 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
₽43769
₽44639
₽45552
₽48175
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
-
-
-
91 500
income
-
-
-
11 775
health
-
-
-
2 333
social contributions
-
-
-
13 098
total
-
-
-
27 206
Employee
62 247
62 247
83 069
-
health
482
1 058
1 412
-
income
6 778
5 762
11 383
-
social contributions
2 353
5 166
6 894
-
total
9 613
11 986
19 689
-
Employer
62 247
62 247
83 069
-
health
524
1 152
1 536
-
social contributions
2 353
5 166
6 894
-
total
2 877
6 318
8 430
-
Corporate
60 267
22 934
-
-
income
7 534
2 867
-
-
total
7 534
2 867
-
-
Dividends
52 733
20 068
-
-
withholding
8 965
3 412
-
-
total
8 965
3 412
-
-
Income
91 500
91 500
91 500
91 500
Total tax
28 989
24 583
28 119
27 206
After tax
62 511
66 917
63 381
64 294
Living cost
18 742
18 742
18 742
18 742
Free-cash
43 769
48 175
44 639
45 552

Estimated living cost  is ₽18742 per week

₽11233
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
₽25839
₽19952
₽25274
₽26654
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.

-
-
-
91 500
income
-
-
-
9 038
social contributions

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

-
-
-
31 796
surtax
-
-
-
-
total
-
-
-
40 834
Employee
37 231
-
73 940
-
income
7 744
-
20 463
-
social contributions
4 095
-
8 133
-
surtax
-
-
-
-
total
11 839
-
28 596
-
Employer
37 231
-
73 940
-
social contributions
8 842
-
17 560
-
total
8 842
-
17 560
-
Corporate
45 427
91 500
-
-
income
9 540
19 215
-
-
surtax
-
-
-
-
total
9 540
19 215
-
-
Dividends
35 887
72 285
-
-
withholding
10 048
20 239
-
-
total
10 048
20 239
-
-
Income
91 500
91 500
91 500
91 500
Total tax
40 269
39 454
46 156
40 834
After tax
51 231
52 046
45 344
50 666
Living cost
25 392
25 392
25 392
25 392
Free-cash
25 839
26 654
19 952
25 274

Estimated living cost  is ₽25392 per week

₽18998
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
₽79744
₽67153
₽84538
₽80878
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%.

-
-
-
91 500
microenterprise

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

-
-
-
915
total
-
-
-
915
Employee
7 559
-
91 500
-
income
1 512
-
18 300
-
total
1 512
-
18 300
-
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%.

83 941
91 500
-
-
total
-
-
-
-
Dividends
83 941
91 500
-
-
withholding
4 197
4 575
-
-
total
4 197
4 575
-
-
Income
91 500
91 500
91 500
91 500
Total tax
5 709
4 575
18 300
915
After tax
85 791
86 925
73 200
90 585
Living cost
6 047
6 047
6 047
6 047
Free-cash
79 744
80 878
67 153
84 538

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
₽34513
₽22540
₽25163
₽41285
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.

-
-
-
91 500
pensions
-
-
-
16 711
unemployment
-
-
-
137
income
-
-
-
18 772
health
-
-
-
9 004
total
-
-
-
44 624
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.

35 797
-
79 172
-
health
2 312
-
5 116
-
unemployment
51
-
111
-
pensions
5 549
-
12 271
-
income
6 173
-
17 420
-
total
14 085
-
34 918
-
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.

35 797
-
79 172
-
health
2 384
-
5 274
-
pensions
3 168
-
7 007
-
unemployment
22
-
48
-
total
5 574
-
12 329
-
Corporate
50 130
91 500
-
-
income
9 524
17 385
-
-
total
9 524
17 385
-
-
Dividends
40 606
74 115
-
-
withholding
6 091
11 117
-
-
total
6 091
11 117
-
-
Income
91 500
91 500
91 500
91 500
Total tax
35 274
28 502
47 247
44 624
After tax
56 226
62 998
44 253
46 876
Living cost
21 713
21 713
21 713
21 713
Free-cash
34 513
41 285
22 540
25 163

Estimated living cost  is ₽21713 per week

₽14901
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
₽28642
₽37978
₽33947
₽25813
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.

-
-
-
91 500
income
-
-
-
23 043
health

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

-
-
-
5 125
total
-
-
-
28 168
Employee
37 135
-
87 776
-
social contributions
3 721
-
3 724
-
income
4 029
-
16 689
-
total
7 750
-
20 413
-
Employer
37 135
-
87 776
-
social contributions
3 721
-
3 724
-
total
3 721
-
3 724
-
Corporate
50 644
91 500
-
-
income
17 725
32 025
-
-
total
17 725
32 025
-
-
Dividends
32 919
59 475
-
-
social contributions
4 277
4 277
-
-
total
4 277
4 277
-
-
Income
91 500
91 500
91 500
91 500
Total tax
33 473
36 302
24 137
28 168
After tax
58 027
55 198
67 363
63 332
Living cost
29 385
29 385
29 385
29 385
Free-cash
28 642
25 813
37 978
33 947

Estimated living cost  is ₽29385 per week

₽19356
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2317
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.
₽7262
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
₽39077
₽41210
₽41597
₽38657
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
-
-
-
91 500
income
-
-
-
13 724
health
-
-
-
6 386
social contributions
-
-
-
12 628
total
-
-
-
32 738
Employee
27 447
-
91 500
-
health
1 916
-
6 386
-
income
4 578
-
14 111
-
social contributions
3 788
-
12 628
-
total
10 282
-
33 125
-
Employer
27 447
-
91 500
-
total
-
-
-
-
Corporate
64 053
91 500
-
-
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%.

3 203
4 575
-
-
total
3 203
4 575
-
-
Dividends
60 850
86 925
-
-
social contributions
8 397
11 996
-
-
withholding
9 128
13 039
-
-
health
4 248
6 068
-
-
total
21 773
31 103
-
-
Income
91 500
91 500
91 500
91 500
Total tax
35 258
35 678
33 125
32 738
After tax
56 242
55 822
58 375
58 762
Living cost
17 165
17 165
17 165
17 165
Free-cash
39 077
38 657
41 210
41 597

Estimated living cost  is ₽17165 per week

₽11488
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
₽32306
₽23811
₽22199
₽40376
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
-
-
-
91 500
income
-
-
-
7 910
health
-
-
-
12 352
social contributions
-
-
-
26 417
solidarity contribution
-
-
-
-
total
-
-
-
46 679
Employee
33 268
-
68 284
-
health
4 491
-
9 218
-
solidarity contribution
-
-
-
-
income
3 992
-
8 194
-
social contributions
2 162
-
4 438
-
total
10 645
-
21 850
-
Employer
33 268
-
68 284
-
health
2 994
-
6 146
-
social contributions
8 317
-
17 071
-
total
11 311
-
23 217
-
Corporate
46 921
91 500
-
-
income
8 915
17 385
-
-
total
8 915
17 385
-
-
Dividends
38 006
74 115
-
-
withholding
5 701
11 117
-
-
total
5 701
11 117
-
-
Income
91 500
91 500
91 500
91 500
Total tax
36 572
28 502
45 067
46 679
After tax
54 928
62 998
46 433
44 821
Living cost
22 622
22 622
22 622
22 622
Free-cash
32 306
40 376
23 811
22 199

Estimated living cost  is ₽22622 per week

₽16823
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.
₽4154
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
₽75735
₽63777
₽81162
₽77502
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%.

-
-
-
91 500
microenterprise

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

-
-
-
915
total
-
-
-
915
Employee
11 779
-
91 500
-
income
2 356
-
18 300
-
total
2 356
-
18 300
-
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%.

79 721
91 500
-
-
total
-
-
-
-
Dividends
79 721
91 500
-
-
withholding
3 986
4 575
-
-
total
3 986
4 575
-
-
Income
91 500
91 500
91 500
91 500
Total tax
6 342
4 575
18 300
915
After tax
85 158
86 925
73 200
90 585
Living cost
9 423
9 423
9 423
9 423
Free-cash
75 735
77 502
63 777
81 162

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
₽12580
₽16838
₽13293
₽7020
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
-
-
-
91 500
income
-
-
-
10 208
other
-
-
-
2 836
health
-
-
-
2 274
social contributions
-
-
-
2 607
pensions
-
-
-
21 184
surtax
-
-
-
-
total
-
-
-
39 109
Employee
50 701
-
73 616
-
pensions
5 735
-
3 896
-
income
4 424
-
11 688
-
social contributions
1 444
-
2 097
-
surtax
-
-
-
-
total
11 603
-
17 681
-
Employer
50 701
-
73 616
-
health
3 549
-
5 364
-
social contributions
152
-
221
-
pensions
8 331
-
6 777
-
unemployment
2 054
-
2 982
-
other
1 750
-
2 539
-
total
15 836
-
17 883
-
Corporate
24 964
91 500
-
-
income
6 990
25 621
-
-
surtax
-
-
-
-
total
6 990
25 621
-
-
Dividends
17 974
65 879
-
-
social contributions
3 092
11 329
-
-
surtax
-
-
-
-
withholding
2 301
8 432
-
-
total
5 393
19 761
-
-
Income
91 500
91 500
91 500
91 500
Total tax
39 822
45 382
35 564
39 109
After tax
51 678
46 118
55 936
52 391
Living cost
39 098
39 098
39 098
39 098
Free-cash
12 580
7 020
16 838
13 293

Estimated living cost  is ₽39098 per week

₽26461
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
₽48191
₽35768
₽35768
₽52159
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.

-
-
-
91 500
pensions
-
-
-
15 499
unemployment
-
-
-
894
income
-
-
-
19 249
health
-
-
-
6 140
total
-
-
-
41 782
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.

21 035
-
80 830
-
health
1 083
-
3 070
-
unemployment
158
-
447
-
pensions
2 945
-
8 346
-
income
2 899
-
19 249
-
total
7 085
-
31 112
-
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.

21 035
-
80 830
-
health
1 083
-
3 070
-
pensions
2 524
-
7 153
-
unemployment
158
-
447
-
total
3 765
-
10 670
-
Corporate
66 700
91 500
-
-
income
10 005
13 725
-
-
total
10 005
13 725
-
-
Dividends
56 695
77 775
-
-
withholding
8 504
11 666
-
-
total
8 504
11 666
-
-
Income
91 500
91 500
91 500
91 500
Total tax
29 359
25 391
41 782
41 782
After tax
62 141
66 109
49 718
49 718
Living cost
13 950
13 950
13 950
13 950
Free-cash
48 191
52 159
35 768
35 768

Estimated living cost  is ₽13950 per week

₽9392
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.
₽3075
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
₽9587
₽14662
₽19203
-₽14535
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
-
-
-
91 500
pensions
-
-
-
8 418
city
-
-
-
964
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.

-
-
-
1 830
health
-
-
-
206
regional
-
-
-
3 627
national
-
-
-
876
total
-
-
-
15 921
Employee
65 974
-
81 897
-
health
149
-
184
-
unemployment
-
-
-
-
city
708
-
880
-
pensions
5 543
-
6 881
-
regional
2 160
-
3 129
-
national
312
-
685
-
total
8 872
-
11 759
-
Employer
65 974
-
81 897
-
health
149
-
184
-
pensions
5 543
-
6 881
-
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.

1 319
-
1 638
-
total
7 011
-
8 703
-
Corporate
17 789
91 500
-
-
regional
3 762
19 352
-
-
national
1 512
7 777
-
-
total
5 274
27 129
-
-
Dividends
12 516
64 371
-
-
withholding
4 380
22 530
-
-
total
4 380
22 530
-
-
Income
91 500
91 500
91 500
91 500
Total tax
25 537
49 659
20 462
15 921
After tax
65 963
41 841
71 038
75 579
Living cost
56 376
56 376
56 376
56 376
Free-cash
9 587
-14 535
14 662
19 203

Estimated living cost  is ₽56376 per week

₽36660
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5059
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.
₽13964
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
₽28285
₽20167
₽32714
₽28952
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

-
-
-
91 500
municipal
-
-
-
16 278
health
-
-
-
1 071
national
-
-
-
10 358
total
-
-
-
27 707
Employee
42 590
-
76 974
-
health
318
-
848
-
unemployment
639
-
1 155
-
pensions
2 874
-
5 195
-
national
704
-
5 969
-
municipal
6 976
-
12 560
-
total
11 511
-
25 727
-
Employer
42 590
-
76 974
-
health
327
-
593
-
pensions
7 389
-
13 356
-
accident
43
-
77
-
unemployment
277
-
501
-
total
8 036
-
14 527
-
Corporate
40 874
91 500
-
-
income
8 174
18 301
-
-
total
8 174
18 301
-
-
Dividends

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

24 525
54 899
-
-
municipal
4 415
9 882
-
-
national
-
3 286
-
-
total
4 415
13 168
-
-
Income
91 500
91 500
91 500
91 500
Total tax
32 136
31 469
40 254
27 707
After tax
59 364
60 031
51 246
63 793
Living cost
31 079
31 079
31 079
31 079
Free-cash
28 285
28 952
20 167
32 714

Estimated living cost  is ₽31079 per week

₽20301
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
₽9621
₽5524
₽12220
₽21761
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
-
-
-
91 500
communal

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

-
-
-
4 606
social contributions
-
-
-
14 734
national
-
-
-
30 424
total
-
-
-
49 764
Employee

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

57 905
-
70 870
-
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.

2 721
-
3 332
-
communal

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

3 020
-
3 696
-
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
-
616
-
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
-
5 315
-
national
17 802
-
22 873
-
total
28 390
-
35 832
-
Employer

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

57 905
-
70 870
-
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
-
4 358
-
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
-
6 278
-
surtax
6 566
-
8 037
-
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
-
920
-
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
-
1 035
-
total
16 856
-
20 628
-
Corporate
16 740
91 500
-
-
income
3 347
18 301
-
-
surtax
68
366
-
-
total
3 415
18 667
-
-
Dividends
13 325
72 834
-
-
withholding

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

3 702
21 556
-
-
total
3 702
21 556
-
-
Income
91 500
91 500
91 500
91 500
Total tax
52 363
40 223
56 460
49 764
After tax
39 137
51 277
35 040
41 736
Living cost
29 516
29 516
29 516
29 516
Free-cash
9 621
21 761
5 524
12 220

Estimated living cost  is ₽29516 per week

₽19012
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
₽14269
₽13957
₽13754
₽15053
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
-
-
-
91 500
unemployment
-
-
-
77
municipal
-
-
-
20 676
other
-
-
-
8 890
health
-
-
-
4 774
national
-
-
-
-
accident
-
-
-
153
pensions
-
-
-
8 270
total
-
-
-
42 840
Employee
49 738
-
69 624
-
national
-
-
-
-
municipal
14 832
-
20 762
-
total
14 832
-
20 762
-
Employer
49 738
-
69 624
-
health
3 059
-
4 282
-
pensions
5 377
-
7 526
-
accident
100
-
139
-
unemployment
1 313
-
1 838
-
other
5 780
-
8 090
-
total
15 629
-
21 875
-
Corporate
26 134
91 500
-
-
income
5 749
20 130
-
-
total
5 749
20 130
-
-
Dividends
20 385
71 370
-
-
withholding
6 115
21 411
-
-
total
6 115
21 411
-
-
Income
91 500
91 500
91 500
91 500
Total tax
42 325
41 541
42 637
42 840
After tax
49 175
49 959
48 863
48 660
Living cost
34 906
34 906
34 906
34 906
Free-cash
14 269
15 053
13 957
13 754

Estimated living cost  is ₽34906 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
-₽41164
₽41404
₽24843
₽17278
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
-
-
-
91 500
income
-
-
-
17 835
social contributions
-
-
-
10 431
total
-
-
-
28 266
Employee
55 047
-
-
-
income
12 142
-
-
-
social contributions
4 514
-
643
-
total
16 656
-
643
-
Employer
55 047
-
-
-
social contributions
77 617
-
11 062
-
total
77 617
-
11 062
-
Corporate
-
91 500
-
-
income
-
20 130
-
-
total
-
20 130
-
-
Dividends
-
71 370
-
-
income
-
15 701
-
-
total
-
15 701
-
-
Income
91 500
91 500
91 500
91 500
Total tax
94 273
35 831
11 705
28 266
After tax
-2 773
55 669
79 795
63 234
Living cost
38 391
38 391
38 391
38 391
Free-cash
-41 164
17 278
41 404
24 843

Estimated living cost  is ₽38391 per week

₽24910
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3611
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.
₽9381
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
₽37303
₽37125
₽38038
₽40661
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
-
-
-
91 500
income
-
-
-
11 775
health
-
-
-
2 333
social contributions
-
-
-
13 098
total
-
-
-
27 206
Employee
62 247
62 247
83 069
-
health
619
1 058
1 412
-
income
6 537
5 762
11 383
-
social contributions
3 025
5 166
6 894
-
total
10 181
11 986
19 689
-
Employer
62 247
62 247
83 069
-
health
674
1 152
1 536
-
social contributions
3 025
5 166
6 894
-
total
3 699
6 318
8 430
-
Corporate
51 364
22 934
-
-
income
6 420
2 867
-
-
total
6 420
2 867
-
-
Dividends
44 944
20 068
-
-
withholding
7 641
3 412
-
-
total
7 641
3 412
-
-
Income
91 500
91 500
91 500
91 500
Total tax
27 941
24 583
28 119
27 206
After tax
63 559
66 917
63 381
64 294
Living cost
26 256
26 256
26 256
26 256
Free-cash
37 303
40 661
37 125
38 038

Estimated living cost  is ₽26256 per week

₽17949
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
₽35226
₽26640
₽35176
₽35889
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
-
-
-
91 500
income
-
-
-
21 295
pensions
-
-
-
6 094
total
-
-
-
27 389
Employee
39 717
-
80 354
-
health
518
-
1 344
-
pensions
3 031
-
7 830
-
income
7 233
-
15 605
-
total
10 782
-
24 779
-
Employer
39 717
-
80 354
-
health
755
-
1 527
-
pensions
4 013
-
9 619
-
total
4 768
-
11 146
-
Corporate
47 015
91 500
-
-
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.

8 933
17 385
-
-
total
8 933
17 385
-
-
Dividends
38 083
74 115
-
-
withholding
2 856
9 291
-
-
total
2 856
9 291
-
-
Income
91 500
91 500
91 500
91 500
Total tax
27 339
26 676
35 925
27 389
After tax
64 161
64 824
55 575
64 111
Living cost
28 935
28 935
28 935
28 935
Free-cash
35 226
35 889
26 640
35 176

Estimated living cost  is ₽28935 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
₽12264
₽8822
₽13008
₽15948
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
-
-
-
91 500
municipal
-
-
-
611
regional
-
-
-
1 924
social contributions
-
-
-
23 535
national
-
-
-
20 173
total
-
-
-
46 243
Employee
68 214
-
91 500
-
social contributions
23 001
-
30 854
-
regional
1 030
-
1 637
-
national
11 528
-
17 393
-
municipal
407
-
545
-
total
35 966
-
50 429
-
Employer
68 214
-
91 500
-
total
-
-
-
-
Corporate
23 286
91 500
-
-
nationa
5 589
21 960
-
-
municipal
1 123
4 410
-
-
total
6 712
26 370
-
-
Dividends
16 574
65 130
-
-
withholding
4 309
16 933
-
-
total
4 309
16 933
-
-
Income
91 500
91 500
91 500
91 500
Total tax
46 987
43 303
50 429
46 243
After tax
44 513
48 197
41 071
45 257
Living cost
32 249
32 249
32 249
32 249
Free-cash
12 264
15 948
8 822
13 008

Estimated living cost  is ₽32249 per week

₽22653
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.
₽6890
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
₽4783
₽30944
₽45567
-₽9735
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
-
-
-
91 500
pensions
-
-
-
3 243
income
-
-
-
23 357
other
-
-
-
289
health
-
-
-
1 700
accident
-
-
-
197
total
-
-
-
28 786
Employee
26 974
-
79 632
-
health
3 088
-
9 118
-
pensions
3 037
-
5 947
-
income
3 701
-
16 476
-
total
9 826
-
31 541
-
Employer
26 974
-
79 632
-
pensions
4 386
-
8 587
-
accident
450
-
1 330
-
unemployment
661
-
1 951
-
total
5 497
-
11 868
-
Corporate
59 029
91 500
-
-
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.

53 126
82 350
-
-
total
53 126
82 350
-
-
Dividends
5 903
9 150
-
-
withholding
1 121
1 738
-
-
total
1 121
1 738
-
-
Income
91 500
91 500
91 500
91 500
Total tax
69 570
84 088
43 409
28 786
After tax
21 930
7 412
48 091
62 714
Living cost
17 147
17 147
17 147
17 147
Free-cash
4 783
-9 735
30 944
45 567

Estimated living cost  is ₽17147 per week

₽12568
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.
₽3272
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
₽26511
₽30856
₽23126
₽15921
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.

-
-
-
91 500
trade
-
-
-
7 730
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.

-
-
-
22 617
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.

-
-
-
1 244
total
-
-
-
37 121
Employee

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

40 278
-
91 500
-
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
-
22 617
-
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
-
1 244
-
total
9 025
-
29 391
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
51 222
91 500
-
-
income
7 684
13 724
-
-
trade
7 351
13 130
-
-
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.

422
754
-
-
chamber of commerce
198
257
-
-
total
15 655
27 865
-
-
Dividends
35 567
63 635
-
-
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.

472
859
-
-
withholding
8 584
15 602
-
-
total
9 056
16 461
-
-
Income
91 500
91 500
91 500
91 500
Total tax
33 736
44 326
29 391
37 121
After tax
57 764
47 174
62 109
54 379
Living cost
31 253
31 253
31 253
31 253
Free-cash
26 511
15 921
30 856
23 126

Estimated living cost  is ₽31253 per week

₽21559
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
₽49719
₽34612
₽31885
₽56358
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.

-
-
-
91 500
income
-
-
-
13 357
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.

-
-
-
29 417
surtax
-
-
-
-
total
-
-
-
42 774
Employee
23 654
-
73 737
-
income
4 211
-
14 173
-
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
-
8 111
-
surtax
-
-
-
-
total
6 813
-
22 284
-
Employer
23 654
-
73 737
-
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.

5 698
-
17 763
-
surtax
-
-
-
-
total
5 698
-
17 763
-
Corporate
62 148
91 500
-
-
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%.

12 429
18 301
-
-
total
12 429
18 301
-
-
Dividends

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

49 719
73 199
-
-
total
-
-
-
-
Income
91 500
91 500
91 500
91 500
Total tax
24 940
18 301
40 047
42 774
After tax
66 560
73 199
51 453
48 726
Living cost
16 841
16 841
16 841
16 841
Free-cash
49 719
56 358
34 612
31 885

Estimated living cost  is ₽16841 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.
₽383
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
₽45524
₽42989
₽43699
₽47156
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
-
-
-
91 500
income
-
-
-
25 355
health
-
-
-
5 256
pensions
-
-
-
7 250
total
-
-
-
37 861
Employee
15 139
-
83 344
-
health
757
-
1 813
-
unemployment
151
-
363
-
pensions
1 362
-
3 263
-
income
2 929
-
24 975
-
total
5 199
-
30 414
-
Employer
15 139
-
83 344
-
health
1 438
-
3 444
-
pensions
1 665
-
3 988
-
unemployment
303
-
725
-
total
3 406
-
8 157
-
Corporate
72 954
91 500
-
-
income
16 050
20 130
-
-
total
16 050
20 130
-
-
Dividends
56 904
71 370
-
-
withholding
11 381
14 274
-
-
total
11 381
14 274
-
-
Income
91 500
91 500
91 500
91 500
Total tax
36 036
34 404
38 571
37 861
After tax
55 464
57 096
52 929
53 639
Living cost
9 940
9 940
9 940
9 940
Free-cash
45 524
47 156
42 989
43 699

Estimated living cost  is ₽9940 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
₽36796
₽25853
₽27353
₽39371
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
-
-
-
91 500
pensions
-
-
-
18 301
unemployment
-
-
-
184
income
-
-
-
18 565
other
-
-
-
-
health
-
-
-
6 497
surtax
-
-
-
2 418
total
-
-
-
45 965
Employee
27 261
-
75 588
-
health
696
-
1 928
-
unemployment
1 897
-
5 261
-
pensions
1 819
-
5 042
-
income
4 570
-
17 142
-
other
-
-
-
-
surtax
97
-
2 180
-
total
9 079
-
31 553
-
Employer
27 261
-
75 588
-
health
1 240
-
3 440
-
pensions
3 635
-
10 076
-
unemployment
865
-
2 396
-
other
-
-
-
-
total
5 740
-
15 912
-
Corporate
58 499
91 500
-
-
income
15 210
23 790
-
-
total
15 210
23 790
-
-
Dividends
43 290
67 710
-
-
withholding
6 493
10 157
-
-
total
6 493
10 157
-
-
Income
91 500
91 500
91 500
91 500
Total tax
36 522
33 947
47 465
45 965
After tax
54 978
57 553
44 035
45 535
Living cost
18 182
18 182
18 182
18 182
Free-cash
36 796
39 371
25 853
27 353

Estimated living cost  is ₽18182 per week

₽10978
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
₽24973
₽606
₽19799
₽25374
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
-
-
-
91 500
pensions
-
-
-
16 927
chamber of commerce
-
-
-
366
unemployment
-