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
₽24010
₽25395
₽37581
₽32991
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
-
-
-
17 715
accident
-
-
-
731
unemployment
-
-
-
568
pensions
-
-
-
22 950
other
-
-
-
81
total
-
-
-
42 045
Employee
32 352
-
69 381
-
other
32
-
70
-
income
6 237
-
16 903
-
unemployment
501
-
1 076
-
pensions
1 521
-
3 261
-
total
8 291
-
21 310
-
Employer
32 352
-
69 381
-
unemployment
1 780
-
3 816
-
pensions
7 634
-
16 375
-
other
259
-
556
-
accident
641
-
1 373
-
total
10 314
-
22 120
-
Corporate
48 834
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.

7 326
13 725
-
-
total
7 326
13 725
-
-
Dividends
41 508
77 775
-
-
withholding
8 518
16 134
-
-
total
8 518
16 134
-
-
Income
91 500
91 500
91 500
91 500
Total tax
34 449
29 859
43 430
42 045
After tax
57 051
61 641
48 070
49 455
Living cost
24 060
24 060
24 060
24 060
Free-cash
32 991
37 581
24 010
25 395

Estimated living cost  is ₽24060 per week

₽16240
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2313
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.
₽5086
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
₽30050
₽26232
₽43912
₽38003
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
-
-
-
11 623
health
-
-
-
4 026
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.

-
-
-
21 958
other
-
-
-
4 347
total
-
-
-
41 954
Employee
31 768
-
73 083
-
income
5 469
-
12 851
-
health
445
-
1 023
-
unemployment
317
-
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.

2 223
-
5 116
-
total
8 454
-
19 721
-
Employer
31 768
-
73 083
-
unemployment
317
-
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.

5 401
-
12 423
-
other
1 589
-
3 654
-
accident
254
-
584
-
health
445
-
1 023
-
total
8 006
-
18 415
-
Corporate
51 725
91 500
-
-
income
10 862
19 215
-
-
total
10 862
19 215
-
-
Dividends
40 863
72 285
-
-
withholding
2 861
5 059
-
-
total
2 861
5 059
-
-
Income
91 500
91 500
91 500
91 500
Total tax
30 183
24 274
38 136
41 954
After tax
61 317
67 226
53 364
49 546
Living cost
23 314
23 314
23 314
23 314
Free-cash
38 003
43 912
30 050
26 232

Estimated living cost  is ₽23314 per week

₽16473
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1574
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽375
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4891
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
₽61034
₽58124
₽66750
₽62683
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
-
-
-
13 725
health
-
-
-
3 518
unemployment
-
-
-
122
pensions

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

-
-
-
4 528
total
-
-
-
21 893
Employee
15 205
-
85 498
-
income
1 520
-
8 550
-
health
699
-
1 407
-
accident

We are using the highest rate at 1.1%.

167
-
337
-
pensions

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

1 335
-
2 686
-
total
3 721
-
12 980
-
Employer
15 205
-
85 498
-
unemployment
91
-
184
-
pensions

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

1 676
-
3 371
-
accident

We are using the highest rate at 1.1%.

167
-
337
-
health
1 049
-
2 111
-
total
2 983
-
6 003
-
Corporate
73 312
91 500
-
-
income
7 331
9 150
-
-
total
7 331
9 150
-
-
Dividends
65 981
82 350
-
-
withholding
3 299
4 117
-
-
total
3 299
4 117
-
-
Income
91 500
91 500
91 500
91 500
Total tax
17 334
13 267
18 983
21 893
After tax
74 166
78 233
72 517
69 607
Living cost
11 483
11 483
11 483
11 483
Free-cash
62 683
66 750
61 034
58 124

Estimated living cost  is ₽11483 per week

₽6704
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽820
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽304
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3655
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
₽27204
₽22640
₽16183
₽21347
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
-
-
-
9 281
social contributions
-
-
-
2 607
health
-
-
-
1 914
surtax
-
-
-
-
pensions
-
-
-
22 282
other
-
-
-
2 841
total
-
-
-
38 925
Employee
37 446
-
74 106
-
income
2 210
-
11 199
-
social contributions
1 068
-
2 110
-
surtax
-
-
-
-
pensions
4 234
-
3 658
-
total
7 512
-
16 967
-
Employer
37 446
-
74 106
-
unemployment
1 516
-
3 002
-
social contributions
113
-
222
-
pensions
6 152
-
6 426
-
other
1 292
-
2 557
-
health
2 622
-
5 187
-
total
11 695
-
17 394
-
Corporate
42 360
91 500
-
-
income
11 860
25 619
-
-
surtax
-
-
-
-
total
11 860
25 619
-
-
Dividends
30 500
65 881
-
-
withholding
3 904
8 433
-
-
surtax
-
-
-
-
social contributions
5 247
11 330
-
-
total
9 151
19 763
-
-
Income
91 500
91 500
91 500
91 500
Total tax
40 218
45 382
34 361
38 925
After tax
51 282
46 118
57 139
52 575
Living cost
29 935
29 935
29 935
29 935
Free-cash
21 347
16 183
27 204
22 640

Estimated living cost  is ₽29935 per week

₽18875
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2434
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽510
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8118
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
₽8799
₽15261
₽7714
₽2353
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
-
-
-
18 624
health
-
-
-
10 711
pensions
-
-
-
10 251
total
-
-
-
39 586
Employee
74 717
74 717
77 867
-
income

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

12 230
12 230
12 230
-
health
11 468
9 755
9 934
-
pensions
13 449
10 251
10 251
-
total
37 147
32 236
32 415
-
Employer
74 717
74 717
77 867
-
unemployment
2 690
2 690
2 803
-
pensions
5 200
5 200
5 419
-
health
5 194
5 194
5 411
-
total
13 084
13 084
13 633
-
Corporate
4 616
3 700
-
-
income
923
741
-
-
total
923
741
-
-
Dividends
3 693
2 959
-
-
withholding
555
443
-
-
income
785
629
-
-
total
1 340
1 072
-
-
Income
91 500
91 500
91 500
91 500
Total tax
52 494
47 133
46 048
39 586
After tax
39 006
44 367
45 452
51 914
Living cost
36 653
36 653
36 653
36 653
Free-cash
2 353
7 714
8 799
15 261

Estimated living cost  is ₽36653 per week

₽25975
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3304
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽583
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6791
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
₽38125
₽30120
₽19751
₽29430
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
income

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

-
-
-
19 808
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.

-
-
-
5 977
trade
-
-
-
8 005
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.

-
-
-
1 089
total
-
-
-
34 879
Employee

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

33 465
-
91 500
-
income

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

935
-
19 808
-
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.

5 977
-
5 977
-
surtax

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

51
-
1 089
-
total
6 963
-
26 874
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
58 035
91 500
-
-
chamber of commerce
216
264
-
-
income
8 705
13 725
-
-
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.

478
755
-
-
trade
9 140
14 412
-
-
total
18 539
29 156
-
-
Dividends
39 495
62 344
-
-
withholding
9 542
15 254
-
-
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.

525
838
-
-
total
10 067
16 092
-
-
Income
91 500
91 500
91 500
91 500
Total tax
35 569
45 248
26 874
34 879
After tax
55 931
46 252
64 626
56 621
Living cost
26 501
26 501
26 501
26 501
Free-cash
29 430
19 751
38 125
30 120

Estimated living cost  is ₽26501 per week

₽16670
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3090
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.
₽6246
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
₽44016
₽44189
₽46698
₽41935
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
-
-
-
10 565
social contributions
-
-
-
14 156
health
-
-
-
2 333
total
-
-
-
27 054
Employee
67 279
67 279
83 067
-
income
7 326
6 228
10 490
-
social contributions
2 544
5 584
6 894
-
health
521
1 144
1 411
-
total
10 391
12 956
18 795
-
Employer
67 279
67 279
83 067
-
social contributions
2 544
5 584
6 894
-
health
566
1 245
1 538
-
total
3 110
6 829
8 432
-
Corporate
57 742
17 392
-
-
income
7 218
2 173
-
-
total
7 218
2 173
-
-
Dividends
50 525
15 219
-
-
withholding
8 589
2 587
-
-
total
8 589
2 587
-
-
Income
91 500
91 500
91 500
91 500
Total tax
29 308
24 545
27 227
27 054
After tax
62 192
66 955
64 273
64 446
Living cost
20 257
20 257
20 257
20 257
Free-cash
41 935
46 698
44 016
44 189

Estimated living cost  is ₽20257 per week

₽12141
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1987
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽448
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5682
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
₽18639
₽23535
₽24601
₽23720
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
-
-
-
8 725
social contributions

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

-
-
-
31 796
surtax
-
-
-
-
total
-
-
-
40 521
Employee
40 241
-
73 940
-
income
8 370
-
19 723
-
social contributions
4 427
-
8 134
-
surtax
-
-
-
-
total
12 797
-
27 857
-
Employer
40 241
-
73 940
-
social contributions
9 557
-
17 560
-
total
9 557
-
17 560
-
Corporate
41 702
91 500
-
-
income
8 757
19 215
-
-
surtax
-
-
-
-
total
8 757
19 215
-
-
Dividends
32 946
72 285
-
-
withholding
9 225
20 240
-
-
total
9 225
20 240
-
-
Income
91 500
91 500
91 500
91 500
Total tax
40 336
39 455
45 417
40 521
After tax
51 164
52 045
46 083
50 979
Living cost
27 444
27 444
27 444
27 444
Free-cash
23 720
24 601
18 639
23 535

Estimated living cost  is ₽27444 per week

₽20534
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1619
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.
₽4833
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
₽66913
₽84298
₽80638
₽79460
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
7 858
-
91 500
-
income
1 571
-
18 300
-
total
1 571
-
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%.

83 642
91 500
-
-
total
-
-
-
-
Dividends
83 642
91 500
-
-
withholding
4 182
4 575
-
-
total
4 182
4 575
-
-
Income
91 500
91 500
91 500
91 500
Total tax
5 753
4 575
18 300
915
After tax
85 747
86 925
73 200
90 585
Living cost
6 287
6 287
6 287
6 287
Free-cash
79 460
80 638
66 913
84 298

Estimated living cost  is ₽6287 per week

₽3896
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽523
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽173
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽1695
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

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

Ljubljana , Slovenia
₽21072
₽23696
₽39528
₽32210
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
income
-
-
-
18 484
health
-
-
-
9 004
unemployment
-
-
-
138
pensions
-
-
-
16 710
total
-
-
-
44 336
Employee

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

38 690
-
79 172
-
income
6 672
-
17 133
-
health
2 499
-
5 116
-
unemployment
55
-
111
-
pensions
5 997
-
12 272
-
total
15 223
-
34 632
-
Employer

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

38 690
-
79 172
-
unemployment
23
-
48
-
pensions
3 424
-
7 007
-
health
2 577
-
5 273
-
total
6 024
-
12 328
-
Corporate
46 786
91 500
-
-
income
8 890
17 386
-
-
total
8 890
17 386
-
-
Dividends
37 896
74 114
-
-
withholding
5 685
11 118
-
-
total
5 685
11 118
-
-
Income
91 500
91 500
91 500
91 500
Total tax
35 822
28 504
46 960
44 336
After tax
55 678
62 996
44 540
47 164
Living cost
23 468
23 468
23 468
23 468
Free-cash
32 210
39 528
21 072
23 696

Estimated living cost  is ₽23468 per week

₽16106
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1504
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽455
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5404
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
₽35500
₽29123
₽23092
₽26157
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
-
-
-
24 906
health

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

-
-
-
5 710
total
-
-
-
30 616
Employee
40 137
-
87 475
-
social contributions
4 021
-
4 025
-
income
4 355
-
16 189
-
total
8 376
-
20 214
-
Employer
40 137
-
87 475
-
social contributions
4 021
-
4 025
-
total
4 021
-
4 025
-
Corporate
47 341
91 500
-
-
income
16 569
32 025
-
-
total
16 569
32 025
-
-
Dividends
30 773
59 475
-
-
social contributions
4 616
4 622
-
-
total
4 616
4 622
-
-
Income
91 500
91 500
91 500
91 500
Total tax
33 582
36 647
24 239
30 616
After tax
57 918
54 853
67 261
60 884
Living cost
31 761
31 761
31 761
31 761
Free-cash
26 157
23 092
35 500
29 123

Estimated living cost  is ₽31761 per week

₽20921
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2504
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽486
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7849
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
₽40160
₽40208
₽37271
₽37726
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
-
-
-
13 725
social contributions
-
-
-
12 627
health
-
-
-
6 387
total
-
-
-
32 739
Employee
29 666
-
91 500
-
income
4 948
-
13 773
-
social contributions
4 094
-
12 627
-
health
2 070
-
6 387
-
total
11 112
-
32 787
-
Employer
29 666
-
91 500
-
total
-
-
-
-
Corporate
61 834
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%.

3 092
4 574
-
-
total
3 092
4 574
-
-
Dividends
58 743
86 926
-
-
withholding
8 812
13 039
-
-
health
4 099
6 067
-
-
social contributions
8 106
11 996
-
-
total
21 017
31 102
-
-
Income
91 500
91 500
91 500
91 500
Total tax
35 221
35 676
32 787
32 739
After tax
56 279
55 824
58 713
58 761
Living cost
18 553
18 553
18 553
18 553
Free-cash
37 726
37 271
40 160
40 208

Estimated living cost  is ₽18553 per week

₽12416
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1144
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽427
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4564
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
₽22704
₽20836
₽39269
₽30803
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
-
-
-
7 864
social contributions
-
-
-
26 718
solidarity contribution
-
-
-
-
health
-
-
-
12 353
total
-
-
-
46 935
Employee
34 896
-
68 284
-
solidarity contribution
-
-
-
-
income
4 187
-
8 194
-
social contributions
2 268
-
4 438
-
health
4 711
-
9 218
-
total
11 166
-
21 850
-
Employer
34 896
-
68 284
-
social contributions
8 724
-
17 071
-
health
3 141
-
6 146
-
total
11 865
-
23 217
-
Corporate
44 740
91 500
-
-
income
8 501
17 385
-
-
total
8 501
17 385
-
-
Dividends
36 239
74 115
-
-
withholding
5 436
11 117
-
-
total
5 436
11 117
-
-
Income
91 500
91 500
91 500
91 500
Total tax
36 968
28 502
45 067
46 935
After tax
54 532
62 998
46 433
44 565
Living cost
23 729
23 729
23 729
23 729
Free-cash
30 803
39 269
22 704
20 836

Estimated living cost  is ₽23729 per week

₽17646
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1315
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽411
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.
₽4358
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
₽63403
₽80788
₽77128
₽75291
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
12 247
-
91 500
-
income
2 449
-
18 300
-
total
2 449
-
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%.

79 253
91 500
-
-
total
-
-
-
-
Dividends
79 253
91 500
-
-
withholding
3 963
4 575
-
-
total
3 963
4 575
-
-
Income
91 500
91 500
91 500
91 500
Total tax
6 412
4 575
18 300
915
After tax
85 088
86 925
73 200
90 585
Living cost
9 797
9 797
9 797
9 797
Free-cash
75 291
77 128
63 403
80 788

Estimated living cost  is ₽9797 per week

₽6630
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽411
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽329
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.
₽2427
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
₽14880
₽10316
₽3859
₽9874
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
-
-
-
9 281
social contributions
-
-
-
2 607
health
-
-
-
1 914
surtax
-
-
-
-
pensions
-
-
-
22 282
other
-
-
-
2 841
total
-
-
-
38 925
Employee
54 799
-
74 106
-
income
4 781
-
11 199
-
social contributions
1 561
-
2 110
-
surtax
-
-
-
-
pensions
6 198
-
3 658
-
total
12 540
-
16 967
-
Employer
54 799
-
74 106
-
unemployment
2 220
-
3 002
-
social contributions
164
-
222
-
pensions
9 004
-
6 426
-
other
1 891
-
2 557
-
health
3 835
-
5 187
-
total
17 114
-
17 394
-
Corporate
19 586
91 500
-
-
income
5 484
25 619
-
-
surtax
-
-
-
-
total
5 484
25 619
-
-
Dividends
14 101
65 881
-
-
withholding
1 805
8 433
-
-
surtax
-
-
-
-
social contributions
2 424
11 330
-
-
total
4 229
19 763
-
-
Income
91 500
91 500
91 500
91 500
Total tax
39 367
45 382
34 361
38 925
After tax
52 133
46 118
57 139
52 575
Living cost
42 259
42 259
42 259
42 259
Free-cash
9 874
3 859
14 880
10 316

Estimated living cost  is ₽42259 per week

₽28600
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3457
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽579
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9622
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
₽33830
₽33831
₽51020
₽46726
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
income
-
-
-
18 205
health
-
-
-
6 642
unemployment
-
-
-
967
pensions
-
-
-
16 766
total
-
-
-
42 580
Employee

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

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

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

22 754
-
79 958
-
income
3 136
-
18 205
-
health
1 172
-
3 321
-
unemployment
171
-
484
-
pensions
3 186
-
9 028
-
total
7 665
-
31 038
-
Employer

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

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

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

22 754
-
79 958
-
unemployment
171
-
484
-
pensions
2 730
-
7 738
-
health
1 172
-
3 321
-
total
4 073
-
11 543
-
Corporate
64 673
91 500
-
-
income
9 701
13 725
-
-
total
9 701
13 725
-
-
Dividends
54 972
77 775
-
-
withholding
8 246
11 666
-
-
total
8 246
11 666
-
-
Income
91 500
91 500
91 500
91 500
Total tax
29 685
25 391
42 581
42 580
After tax
61 815
66 109
48 919
48 920
Living cost
15 089
15 089
15 089
15 089
Free-cash
46 726
51 020
33 830
33 831

Estimated living cost  is ₽15089 per week

₽10160
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1167
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽437
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.
₽3326
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
₽10250
₽14792
-₽19225
₽6903
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
regional
-
-
-
3 457
national
-
-
-
767
health
-
-
-
205
city
-
-
-
965
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
pensions
-
-
-
8 419
total
-
-
-
15 643
Employee
71 462
-
81 898
-
regional
2 340
-
2 960
-
city
767
-
880
-
health
162
-
184
-
unemployment
-
-
-
-
national
338
-
580
-
pensions
6 004
-
6 880
-
total
9 611
-
11 484
-
Employer
71 462
-
81 898
-
unemployment
-
-
-
-
pensions
6 004
-
6 880
-
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.

1 429
-
1 637
-
health
162
-
184
-
total
7 595
-
8 701
-
Corporate
11 658
91 500
-
-
regional
2 465
19 352
-
-
national
991
7 778
-
-
total
3 456
27 130
-
-
Dividends
8 202
64 370
-
-
withholding
2 870
22 530
-
-
total
2 870
22 530
-
-
Income
91 500
91 500
91 500
91 500
Total tax
23 532
49 660
20 185
15 643
After tax
67 968
41 840
71 315
75 857
Living cost
61 065
61 065
61 065
61 065
Free-cash
6 903
-19 225
10 250
14 792

Estimated living cost  is ₽61065 per week

₽39710
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5480
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽750
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.
₽15125
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
₽18293
₽30935
₽26939
₽25453
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
-
-
-
16 282
national
-
-
-
9 648
health
-
-
-
1 044
total
-
-
-
26 974
Employee
46 033
-
76 975
-
health
344
-
820
-
unemployment
691
-
1 154
-
national
760
-
5 356
-
municipal
7 540
-
12 566
-
pensions
3 107
-
5 195
-
total
12 442
-
25 091
-
Employer
46 033
-
76 975
-
unemployment
299
-
500
-
pensions
7 986
-
13 356
-
accident
46
-
76
-
health
354
-
593
-
total
8 685
-
14 525
-
Corporate
36 782
91 500
-
-
income
7 357
18 301
-
-
total
7 357
18 301
-
-
Dividends

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

22 069
54 900
-
-
national
-
2 786
-
-
municipal
3 972
9 883
-
-
total
3 972
12 669
-
-
Income
91 500
91 500
91 500
91 500
Total tax
32 456
30 970
39 616
26 974
After tax
59 044
60 530
51 884
64 526
Living cost
33 591
33 591
33 591
33 591
Free-cash
25 453
26 939
18 293
30 935

Estimated living cost  is ₽33591 per week

₽21942
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3231
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽535
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.
₽7885
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
₽3528
₽10584
₽19400
₽6277
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
national
-
-
-
29 903
social contributions
-
-
-
14 490
communal

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

-
-
-
4 621
total
-
-
-
49 014
Employee

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

62 585
-
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.

2 941
-
3 331
-
communal

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

3 264
-
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.

545
-
616
-
national
19 241
-
22 482
-
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.

4 694
-
5 315
-
total
30 685
-
35 440
-
Employer

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

62 585
-
70 870
-
unemployment

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

913
-
1 034
-
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.

5 546
-
6 280
-
surtax
7 096
-
8 036
-
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.

814
-
922
-
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.

3 849
-
4 358
-
total
18 218
-
20 630
-
Corporate
10 697
91 500
-
-
income
2 140
18 301
-
-
surtax
43
365
-
-
total
2 183
18 666
-
-
Dividends
8 514
72 834
-
-
withholding

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

2 235
21 532
-
-
total
2 235
21 532
-
-
Income
91 500
91 500
91 500
91 500
Total tax
53 321
40 198
56 070
49 014
After tax
38 179
51 302
35 430
42 486
Living cost
31 902
31 902
31 902
31 902
Free-cash
6 277
19 400
3 528
10 584

Estimated living cost  is ₽31902 per week

₽20549
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2789
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽500
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8064
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
₽12991
₽12357
₽14087
₽13283
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
-
-
-
20 494
national
-
-
-
-
health
-
-
-
4 906
accident
-
-
-
157
unemployment
-
-
-
79
pensions
-
-
-
8 499
other
-
-
-
9 136
total
-
-
-
43 271
Employee
51 114
-
69 624
-
national
-
-
-
-
municipal
15 242
-
20 762
-
total
15 242
-
20 762
-
Employer
51 114
-
69 624
-
unemployment
1 349
-
1 838
-
pensions
5 525
-
7 526
-
other
5 940
-
8 090
-
accident
102
-
139
-
health
3 143
-
4 282
-
total
16 059
-
21 875
-
Corporate
24 326
91 500
-
-
income
5 352
20 130
-
-
total
5 352
20 130
-
-
Dividends
18 974
71 370
-
-
withholding
5 692
21 411
-
-
total
5 692
21 411
-
-
Income
91 500
91 500
91 500
91 500
Total tax
42 345
41 541
42 637
43 271
After tax
49 155
49 959
48 863
48 229
Living cost
35 872
35 872
35 872
35 872
Free-cash
13 283
14 087
12 991
12 357

Estimated living cost  is ₽35872 per week

₽23774
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3520
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽545
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.
₽8033
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
₽40410
₽24081
₽16516
-₽43798
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
56 140
-
-
-
income
12 383
-
-
-
social contributions
4 604
-
656
-
total
16 987
-
656
-
Employer
56 140
-
-
-
social contributions
79 158
-
11 281
-
total
79 158
-
11 281
-
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
96 145
35 831
11 937
28 266
After tax
-4 645
55 669
79 563
63 234
Living cost
39 153
39 153
39 153
39 153
Free-cash
-43 798
16 516
40 410
24 081

Estimated living cost  is ₽39153 per week

₽25404
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3682
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽499
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.
₽9568
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
₽35894
₽36067
₽38576
₽34946
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
-
-
-
10 565
social contributions
-
-
-
14 156
health
-
-
-
2 333
total
-
-
-
27 054
Employee
67 279
67 279
83 067
-
income
7 065
6 228
10 490
-
social contributions
3 269
5 584
6 894
-
health
669
1 144
1 411
-
total
11 003
12 956
18 795
-
Employer
67 279
67 279
83 067
-
social contributions
3 269
5 584
6 894
-
health
729
1 245
1 538
-
total
3 998
6 829
8 432
-
Corporate
48 120
17 392
-
-
income
6 016
2 173
-
-
total
6 016
2 173
-
-
Dividends
42 104
15 219
-
-
withholding
7 158
2 587
-
-
total
7 158
2 587
-
-
Income
91 500
91 500
91 500
91 500
Total tax
28 175
24 545
27 227
27 054
After tax
63 325
66 955
64 273
64 446
Living cost
28 379
28 379
28 379
28 379
Free-cash
34 946
38 576
35 894
36 067

Estimated living cost  is ₽28379 per week

₽19400
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2217
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽477
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.
₽6286
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
₽25227
₽33389
₽34534
₽32031
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
-
-
-
19 897
pensions
-
-
-
6 504
total
-
-
-
26 401
Employee
43 526
-
80 475
-
income
7 926
-
14 456
-
health
568
-
1 325
-
pensions
3 322
-
7 757
-
total
11 816
-
23 538
-
Employer
43 526
-
80 475
-
pensions
4 398
-
9 496
-
health
827
-
1 529
-
total
5 225
-
11 025
-
Corporate
42 749
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.

8 122
17 385
-
-
total
8 122
17 385
-
-
Dividends
34 627
74 115
-
-
withholding
2 596
7 871
-
-
total
2 596
7 871
-
-
Income
91 500
91 500
91 500
91 500
Total tax
27 759
25 256
34 563
26 401
After tax
63 741
66 244
56 937
65 099
Living cost
31 710
31 710
31 710
31 710
Free-cash
32 031
34 534
25 227
33 389

Estimated living cost  is ₽31710 per week

₽21753
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2916
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽397
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6642
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details

Additional information

The only visa which will gain you entry to the UK as a freelancer is Tier 1 (with an exception of EU nationals or long-term UK residence permit holders, up until Brexit). There are two Tier 1 visa pathways.

You can either apply for an Entrepreneur visa which requires an investment of at least £200000 and creating two full time jobs, or choose an Exceptional Talent visa, which has no financial requirements but is more difficult to obtain.

Rome , Italy
₽6731
₽10918
₽13340
₽9360
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
-
-
-
1 864
national
-
-
-
19 717
social contributions
-
-
-
23 534
total
-
-
-
45 726
Employee
73 728
-
91 500
-
regional
1 113
-
1 576
-
social contributions
24 861
-
30 855
-
national
12 459
-
16 936
-
municipal
440
-
546
-
total
38 873
-
49 913
-
Employer
73 728
-
91 500
-
total
-
-
-
-
Corporate
17 772
91 500
-
-
nationa
4 265
21 960
-
-
municipal
857
4 410
-
-
total
5 122
26 370
-
-
Dividends
12 650
65 130
-
-
withholding
3 289
16 934
-
-
total
3 289
16 934
-
-
Income
91 500
91 500
91 500
91 500
Total tax
47 284
43 304
49 913
45 726
After tax
44 216
48 196
41 587
45 774
Living cost
34 856
34 856
34 856
34 856
Free-cash
9 360
13 340
6 731
10 918

Estimated living cost  is ₽34856 per week

₽24484
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2398
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽526
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7447
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
₽29842
₽44732
-₽10597
₽4650
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
-
-
-
23 059
health
-
-
-
1 785
accident
-
-
-
207
pensions
-
-
-
3 406
other
-
-
-
303
total
-
-
-
28 760
Employee
28 328
-
79 218
-
income
3 886
-
16 052
-
health
3 244
-
9 071
-
pensions
3 190
-
6 245
-
total
10 320
-
31 368
-
Employer
28 328
-
79 218
-
unemployment
694
-
1 941
-
pensions
4 606
-
9 018
-
accident
473
-
1 323
-
total
5 773
-
12 282
-
Corporate
57 399
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.

51 659
82 350
-
-
total
51 659
82 350
-
-
Dividends
5 740
9 150
-
-
withholding
1 090
1 739
-
-
total
1 090
1 739
-
-
Income
91 500
91 500
91 500
91 500
Total tax
68 842
84 089
43 650
28 760
After tax
22 658
7 411
47 850
62 740
Living cost
18 008
18 008
18 008
18 008
Free-cash
4 650
-10 597
29 842
44 732

Estimated living cost  is ₽18008 per week

₽13199
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽998
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽376
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3437
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
₽30847
₽23555
₽13414
₽24860
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
income

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

-
-
-
19 808
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.

-
-
-
5 977
trade
-
-
-
7 292
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.

-
-
-
1 089
total
-
-
-
34 166
Employee

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

43 534
-
91 500
-
income

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

3 580
-
19 808
-
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.

5 977
-
5 977
-
surtax

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

198
-
1 089
-
total
9 755
-
26 874
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
47 966
91 500
-
-
chamber of commerce
203
267
-
-
income
7 194
13 725
-
-
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.

395
755
-
-
trade
6 884
13 130
-
-
total
14 676
27 877
-
-
Dividends
33 290
63 622
-
-
withholding
7 990
15 573
-
-
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.

440
857
-
-
total
8 430
16 430
-
-
Income
91 500
91 500
91 500
91 500
Total tax
32 861
44 307
26 874
34 166
After tax
58 639
47 193
64 626
57 334
Living cost
33 779
33 779
33 779
33 779
Free-cash
24 860
13 414
30 847
23 555

Estimated living cost  is ₽33779 per week

₽23302
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3635
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽490
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6353
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
₽33325
₽30597
₽54996
₽47820
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
microenterprise
-
-
-
-
income
-
-
-
13 283
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
-
-
-
42 700
Employee
25 566
-
73 737
-
income
4 551
-
14 098
-
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.

2 813
-
8 111
-
surtax
-
-
-
-
total
7 364
-
22 209
-
Employer
25 566
-
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.

6 158
-
17 763
-
surtax
-
-
-
-
total
6 158
-
17 763
-
Corporate
59 775
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%.

11 955
18 301
-
-
total
11 955
18 301
-
-
Dividends

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

47 821
73 199
-
-
total
-
-
-
-
Income
91 500
91 500
91 500
91 500
Total tax
25 477
18 301
39 972
42 700
After tax
66 023
73 199
51 528
48 800
Living cost
18 203
18 203
18 203
18 203
Free-cash
47 820
54 996
33 325
30 597

Estimated living cost  is ₽18203 per week

₽11613
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1733
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽413
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4443
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
₽40682
₽41487
₽45763
₽43902
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
-
-
-
24 421
health
-
-
-
5 993
pensions
-
-
-
8 266
total
-
-
-
38 680
Employee
17 261
-
82 200
-
income
3 339
-
23 986
-
health
863
-
2 067
-
unemployment
173
-
413
-
pensions
1 553
-
3 720
-
total
5 928
-
30 186
-
Employer
17 261
-
82 200
-
unemployment
345
-
827
-
pensions
1 899
-
4 546
-
health
1 640
-
3 926
-
total
3 884
-
9 299
-
Corporate
70 355
91 500
-
-
income
15 478
20 130
-
-
total
15 478
20 130
-
-
Dividends
54 877
71 370
-
-
withholding
10 975
14 274
-
-
total
10 975
14 274
-
-
Income
91 500
91 500
91 500
91 500
Total tax
36 265
34 404
39 485
38 680
After tax
55 235
57 096
52 015
52 820
Living cost
11 333
11 333
11 333
11 333
Free-cash
43 902
45 763
40 682
41 487

Estimated living cost  is ₽11333 per week

₽6735
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽919
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽260
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3420
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details
Athens , Greece
₽25237
₽27005
₽37902
₽35118
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
-
-
-
17 640
health
-
-
-
6 495
unemployment
-
-
-
199
surtax
-
-
-
2 208
pensions
-
-
-
18 301
other
-
-
-
-
total
-
-
-
44 843
Employee
29 465
-
75 587
-
other
-
-
-
-
income
4 940
-
16 469
-
health
752
-
1 928
-
unemployment
2 051
-
5 260
-
surtax
105
-
2 002
-
pensions
1 966
-
5 041
-
total
9 814
-
30 700
-
Employer
29 465
-
75 587
-
unemployment
935
-
2 396
-
pensions
3 928
-
10 075
-
other
-
-
-
-
health
1 340
-
3 440
-
total
6 203
-
15 911
-
Corporate
55 832
91 500
-
-
income
14 517
23 790
-
-
total
14 517
23 790
-
-
Dividends
41 315
67 710
-
-
withholding
6 196
10 156
-
-
total
6 196
10 156
-
-
Income
91 500
91 500
91 500
91 500
Total tax
36 730
33 946
46 611
44 843
After tax
54 770
57 554
44 889
46 657
Living cost
19 652
19 652
19 652
19 652
Free-cash
35 118
37 902
25 237
27 005

Estimated living cost  is ₽19652 per week

₽11865
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1709
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽457
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.
₽5624
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
-₽641
₽18262
₽23406
₽22973
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
-
-
-
15 666
chamber of commerce
-
-
-
365
health
-