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
₽ 92500
per

Your estimated
City
free-cash

Valencia , Spain
₽35799
₽25728
₽28445
₽40008
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
-
-
-
92 500
unemployment
-
-
-
525
income
-
-
-
19 298
other
-
-
-
75
accident
-
-
-
676
pensions
-
-
-
21 227
total
-
-
-
41 801
Employee
29 923
-
70 140
-
unemployment
464
-
1 087
-
pensions
1 407
-
3 297
-
income
5 769
-
17 703
-
other
29
-
71
-
total
7 669
-
22 158
-
Employer
29 923
-
70 140
-
pensions
7 061
-
16 553
-
accident
593
-
1 388
-
unemployment
1 646
-
3 858
-
other
240
-
561
-
total
9 540
-
22 360
-
Corporate
53 037
92 500
-
-
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.

7 955
13 875
-
-
total
7 955
13 875
-
-
Dividends
45 082
78 625
-
-
withholding
9 283
16 363
-
-
total
9 283
16 363
-
-
Income
92 500
92 500
92 500
92 500
Total tax
34 447
30 238
44 518
41 801
After tax
58 053
62 262
47 982
50 699
Living cost
22 254
22 254
22 254
22 254
Free-cash
35 799
40 008
25 728
28 445

Estimated living cost  is ₽22254 per week

₽15021
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2139
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.
₽4704
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
₽40931
₽32065
₽28238
₽46397
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
-
-
-
92 500
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.

-
-
-
22 200
income
-
-
-
12 035
other
-
-
-
4 394
health
-
-
-
4 070
total
-
-
-
42 699
Employee
29 383
-
73 883
-
health
412
-
1 035
-
unemployment
293
-
739
-
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.

2 056
-
5 171
-
income
5 059
-
13 310
-
total
7 820
-
20 255
-
Employer
29 383
-
73 883
-
health
412
-
1 035
-
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.

4 996
-
12 559
-
accident
235
-
591
-
unemployment
293
-
739
-
other
1 470
-
3 693
-
total
7 406
-
18 617
-
Corporate
55 712
92 500
-
-
income
11 699
19 425
-
-
total
11 699
19 425
-
-
Dividends
44 013
73 075
-
-
withholding
3 081
5 115
-
-
total
3 081
5 115
-
-
Income
92 500
92 500
92 500
92 500
Total tax
30 006
24 540
38 872
42 699
After tax
62 494
67 960
53 628
49 801
Living cost
21 563
21 563
21 563
21 563
Free-cash
40 931
46 397
32 065
28 238

Estimated living cost  is ₽21563 per week

₽15236
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.
₽4524
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
₽64702
₽63533
₽60448
₽68466
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
-
-
-
92 500
pensions

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

-
-
-
4 188
unemployment
-
-
-
113
income
-
-
-
13 875
health
-
-
-
3 254
total
-
-
-
21 430
Employee
14 065
-
86 948
-
health
647
-
1 302
-
accident

We are using the highest rate at 1.1%.

155
-
311
-
pensions

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

1 235
-
2 485
-
income
1 406
-
8 695
-
total
3 443
-
12 793
-
Employer
14 065
-
86 948
-
health
971
-
1 953
-
pensions

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

1 550
-
3 118
-
accident

We are using the highest rate at 1.1%.

155
-
311
-
unemployment
84
-
170
-
total
2 760
-
5 552
-
Corporate
75 675
92 500
-
-
income
7 568
9 250
-
-
total
7 568
9 250
-
-
Dividends
68 107
83 250
-
-
withholding
3 405
4 162
-
-
total
3 405
4 162
-
-
Income
92 500
92 500
92 500
92 500
Total tax
17 176
13 412
18 345
21 430
After tax
75 324
79 088
74 155
71 070
Living cost
10 622
10 622
10 622
10 622
Free-cash
64 702
68 466
63 533
60 448

Estimated living cost  is ₽10622 per week

₽6201
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽759
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽281
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3381
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
₽23715
₽28685
₽25250
₽18932
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
-
-
-
92 500
income
-
-
-
10 447
other
-
-
-
2 867
health
-
-
-
2 350
social contributions
-
-
-
2 635
pensions
-
-
-
21 264
surtax
-
-
-
-
total
-
-
-
39 563
Employee
34 635
-
74 343
-
pensions
3 916
-
3 970
-
income
2 044
-
11 881
-
social contributions
987
-
2 119
-
surtax
-
-
-
-
total
6 947
-
17 970
-
Employer
34 635
-
74 343
-
health
2 425
-
5 459
-
social contributions
104
-
223
-
pensions
5 690
-
6 899
-
unemployment
1 402
-
3 012
-
other
1 195
-
2 565
-
total
10 816
-
18 158
-
Corporate
47 049
92 500
-
-
income
13 173
25 900
-
-
surtax
-
-
-
-
total
13 173
25 900
-
-
Dividends
33 876
66 600
-
-
social contributions
5 825
11 456
-
-
surtax
-
-
-
-
withholding
4 337
8 525
-
-
total
10 162
19 981
-
-
Income
92 500
92 500
92 500
92 500
Total tax
41 098
45 881
36 128
39 563
After tax
51 402
46 619
56 372
52 937
Living cost
27 687
27 687
27 687
27 687
Free-cash
23 715
18 932
28 685
25 250

Estimated living cost  is ₽27687 per week

₽17458
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2251
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽471
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.
₽7508
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
₽6190
₽14453
₽18916
₽11149
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
-
-
-
92 500
pensions
-
-
-
9 481
income
-
-
-
20 223
health
-
-
-
9 979
total
-
-
-
39 683
Employee
69 107
69 107
78 717
-
health
10 607
9 022
9 571
-
pensions
12 439
9 481
9 481
-
income

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

11 312
11 312
11 312
-
total
34 358
29 815
30 364
-
Employer
69 107
69 107
78 717
-
health
4 804
4 804
5 470
-
pensions
4 810
4 810
5 479
-
unemployment
2 488
2 488
2 833
-
total
12 102
12 102
13 782
-
Corporate
12 139
11 292
-
-
income
2 428
2 259
-
-
total
2 428
2 259
-
-
Dividends
9 711
9 033
-
-
income
2 064
1 920
-
-
withholding
1 457
1 354
-
-
total
3 521
3 274
-
-
Income
92 500
92 500
92 500
92 500
Total tax
52 409
47 450
44 146
39 683
After tax
40 091
45 050
48 354
52 817
Living cost
33 901
33 901
33 901
33 901
Free-cash
6 190
11 149
14 453
18 916

Estimated living cost  is ₽33901 per week

₽24025
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3056
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.
₽6281
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
₽31173
₽38149
₽29506
₽22225
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.

-
-
-
92 500
trade
-
-
-
8 643
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.

-
-
-
23 043
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.

-
-
-
5 529
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.

-
-
-
1 267
total
-
-
-
38 482
Employee

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

30 952
-
92 500
-
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.

5 529
-
5 529
-
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
-
23 043
-
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
-
1 267
-
total
6 442
-
29 839
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
61 548
92 500
-
-
income
9 233
13 875
-
-
trade
9 693
14 569
-
-
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.

508
763
-
-
chamber of commerce
212
256
-
-
total
19 646
29 463
-
-
Dividends
41 901
63 036
-
-
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.

559
849
-
-
withholding
10 168
15 451
-
-
total
10 727
16 300
-
-
Income
92 500
92 500
92 500
92 500
Total tax
36 815
45 763
29 839
38 482
After tax
55 685
46 737
62 661
54 018
Living cost
24 512
24 512
24 512
24 512
Free-cash
31 173
22 225
38 149
29 506

Estimated living cost  is ₽24512 per week

₽15419
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2858
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.
₽5777
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
₽44502
₽45215
₽46240
₽48906
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
-
-
-
92 500
income
-
-
-
12 072
health
-
-
-
2 359
social contributions
-
-
-
13 093
total
-
-
-
27 524
Employee
62 228
62 228
83 980
-
health
482
1 058
1 428
-
income
6 776
5 760
11 635
-
social contributions
2 353
5 165
6 966
-
total
9 611
11 983
20 029
-
Employer
62 228
62 228
83 980
-
health
524
1 152
1 554
-
social contributions
2 353
5 165
6 966
-
total
2 877
6 317
8 520
-
Corporate
61 277
23 956
-
-
income
7 660
2 995
-
-
total
7 660
2 995
-
-
Dividends
53 617
20 961
-
-
withholding
9 114
3 563
-
-
total
9 114
3 563
-
-
Income
92 500
92 500
92 500
92 500
Total tax
29 262
24 858
28 549
27 524
After tax
63 238
67 642
63 951
64 976
Living cost
18 736
18 736
18 736
18 736
Free-cash
44 502
48 906
45 215
46 240

Estimated living cost  is ₽18736 per week

₽11229
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1838
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.
₽5255
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
₽26415
₽20353
₽25793
₽27231
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.

-
-
-
92 500
income
-
-
-
9 179
social contributions

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

-
-
-
32 144
surtax
-
-
-
-
total
-
-
-
41 323
Employee
37 219
-
74 747
-
income
7 742
-
20 788
-
social contributions
4 094
-
8 222
-
surtax
-
-
-
-
total
11 836
-
29 010
-
Employer
37 219
-
74 747
-
social contributions
8 840
-
17 753
-
total
8 840
-
17 753
-
Corporate
46 441
92 500
-
-
income
9 753
19 425
-
-
surtax
-
-
-
-
total
9 753
19 425
-
-
Dividends
36 688
73 075
-
-
withholding
10 272
20 460
-
-
total
10 272
20 460
-
-
Income
92 500
92 500
92 500
92 500
Total tax
40 701
39 885
46 763
41 323
After tax
51 799
52 615
45 737
51 177
Living cost
25 384
25 384
25 384
25 384
Free-cash
26 415
27 231
20 353
25 793

Estimated living cost  is ₽25384 per week

₽18992
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1497
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.
₽4470
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
₽80694
₽67953
₽85528
₽81828
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%.

-
-
-
92 500
microenterprise

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

-
-
-
925
total
-
-
-
925
Employee
7 559
-
92 500
-
income
1 512
-
18 500
-
total
1 512
-
18 500
-
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%.

84 941
92 500
-
-
total
-
-
-
-
Dividends
84 941
92 500
-
-
withholding
4 247
4 625
-
-
total
4 247
4 625
-
-
Income
92 500
92 500
92 500
92 500
Total tax
5 759
4 625
18 500
925
After tax
86 741
87 875
74 000
91 575
Living cost
6 047
6 047
6 047
6 047
Free-cash
80 694
81 828
67 953
85 528

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
₽35214
₽22994
₽25645
₽41981
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.

-
-
-
92 500
pensions
-
-
-
16 893
unemployment
-
-
-
138
income
-
-
-
19 016
health
-
-
-
9 102
total
-
-
-
45 149
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.

35 785
-
80 038
-
health
2 311
-
5 171
-
unemployment
51
-
112
-
pensions
5 547
-
12 405
-
income
6 171
-
17 651
-
total
14 080
-
35 339
-
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.

35 785
-
80 038
-
health
2 383
-
5 330
-
pensions
3 167
-
7 083
-
unemployment
21
-
48
-
total
5 571
-
12 461
-
Corporate
51 143
92 500
-
-
income
9 716
17 575
-
-
total
9 716
17 575
-
-
Dividends
41 427
74 925
-
-
withholding
6 213
11 238
-
-
total
6 213
11 238
-
-
Income
92 500
92 500
92 500
92 500
Total tax
35 580
28 813
47 800
45 149
After tax
56 920
63 687
44 700
47 351
Living cost
21 706
21 706
21 706
21 706
Free-cash
35 214
41 981
22 994
25 645

Estimated living cost  is ₽21706 per week

₽14896
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1391
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.
₽4999
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
₽29303
₽38738
₽34963
₽26475
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.

-
-
-
92 500
income
-
-
-
23 036
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
-
-
-
28 161
Employee
37 124
-
88 777
-
social contributions
3 719
-
3 723
-
income
4 028
-
16 940
-
total
7 747
-
20 663
-
Employer
37 124
-
88 777
-
social contributions
3 719
-
3 723
-
total
3 719
-
3 723
-
Corporate
51 657
92 500
-
-
income
18 080
32 374
-
-
total
18 080
32 374
-
-
Dividends
33 577
60 126
-
-
social contributions
4 275
4 275
-
-
total
4 275
4 275
-
-
Income
92 500
92 500
92 500
92 500
Total tax
33 821
36 649
24 386
28 161
After tax
58 679
55 851
68 114
64 339
Living cost
29 376
29 376
29 376
29 376
Free-cash
29 303
26 475
38 738
34 963

Estimated living cost  is ₽29376 per week

₽19350
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2316
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽450
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7259
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
₽39695
₽41806
₽42244
₽39273
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
-
-
-
92 500
income
-
-
-
13 875
health
-
-
-
6 456
social contributions
-
-
-
12 765
total
-
-
-
33 096
Employee
27 438
-
92 500
-
health
1 915
-
6 456
-
income
4 576
-
14 313
-
social contributions
3 787
-
12 765
-
total
10 278
-
33 534
-
Employer
27 438
-
92 500
-
total
-
-
-
-
Corporate
65 062
92 500
-
-
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%.

3 253
4 626
-
-
total
3 253
4 626
-
-
Dividends
61 809
87 874
-
-
social contributions
8 529
12 126
-
-
withholding
9 271
13 181
-
-
health
4 314
6 134
-
-
total
22 114
31 441
-
-
Income
92 500
92 500
92 500
92 500
Total tax
35 645
36 067
33 534
33 096
After tax
56 855
56 433
58 966
59 404
Living cost
17 160
17 160
17 160
17 160
Free-cash
39 695
39 273
41 806
42 244

Estimated living cost  is ₽17160 per week

₽11484
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.
₽4222
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
₽33016
₽24334
₽22966
₽41080
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
-
-
-
92 500
income
-
-
-
8 042
health
-
-
-
12 488
social contributions
-
-
-
26 398
solidarity contribution
-
-
-
-
total
-
-
-
46 928
Employee
33 244
-
69 030
-
health
4 488
-
9 319
-
solidarity contribution
-
-
-
-
income
3 989
-
8 284
-
social contributions
2 161
-
4 487
-
total
10 638
-
22 090
-
Employer
33 244
-
69 030
-
health
2 992
-
6 213
-
social contributions
8 311
-
17 257
-
total
11 303
-
23 470
-
Corporate
47 953
92 500
-
-
income
9 111
17 575
-
-
total
9 111
17 575
-
-
Dividends
38 842
74 925
-
-
withholding
5 826
11 239
-
-
total
5 826
11 239
-
-
Income
92 500
92 500
92 500
92 500
Total tax
36 878
28 814
45 560
46 928
After tax
55 622
63 686
46 940
45 572
Living cost
22 606
22 606
22 606
22 606
Free-cash
33 016
41 080
24 334
22 966

Estimated living cost  is ₽22606 per week

₽16811
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1252
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.
₽4151
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
₽76684
₽64576
₽82151
₽78451
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%.

-
-
-
92 500
microenterprise

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

-
-
-
925
total
-
-
-
925
Employee
11 780
-
92 500
-
income
2 356
-
18 500
-
total
2 356
-
18 500
-
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%.

80 720
92 500
-
-
total
-
-
-
-
Dividends
80 720
92 500
-
-
withholding
4 036
4 625
-
-
total
4 036
4 625
-
-
Income
92 500
92 500
92 500
92 500
Total tax
6 392
4 625
18 500
925
After tax
86 108
87 875
74 000
91 575
Living cost
9 424
9 424
9 424
9 424
Free-cash
76 684
78 451
64 576
82 151

Estimated living cost  is ₽9424 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
₽13097
₽17286
₽13851
₽7533
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
-
-
-
92 500
income
-
-
-
10 447
other
-
-
-
2 867
health
-
-
-
2 350
social contributions
-
-
-
2 635
pensions
-
-
-
21 264
surtax
-
-
-
-
total
-
-
-
39 563
Employee
50 685
-
74 343
-
pensions
5 733
-
3 970
-
income
4 422
-
11 881
-
social contributions
1 444
-
2 119
-
surtax
-
-
-
-
total
11 599
-
17 970
-
Employer
50 685
-
74 343
-
health
3 547
-
5 459
-
social contributions
152
-
223
-
pensions
8 328
-
6 899
-
unemployment
2 053
-
3 012
-
other
1 749
-
2 565
-
total
15 829
-
18 158
-
Corporate
25 985
92 500
-
-
income
7 276
25 900
-
-
surtax
-
-
-
-
total
7 276
25 900
-
-
Dividends
18 709
66 600
-
-
social contributions
3 219
11 456
-
-
surtax
-
-
-
-
withholding
2 394
8 525
-
-
total
5 613
19 981
-
-
Income
92 500
92 500
92 500
92 500
Total tax
40 317
45 881
36 128
39 563
After tax
52 183
46 619
56 372
52 937
Living cost
39 086
39 086
39 086
39 086
Free-cash
13 097
7 533
17 286
13 851

Estimated living cost  is ₽39086 per week

₽26453
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3197
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.
₽8899
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
₽48920
₽36427
₽36427
₽52887
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.

-
-
-
92 500
pensions
-
-
-
15 493
unemployment
-
-
-
894
income
-
-
-
19 604
health
-
-
-
6 138
total
-
-
-
42 129
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.

21 027
-
81 834
-
health
1 083
-
3 069
-
unemployment
158
-
447
-
pensions
2 944
-
8 342
-
income
2 898
-
19 604
-
total
7 083
-
31 462
-
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.

21 027
-
81 834
-
health
1 083
-
3 069
-
pensions
2 523
-
7 151
-
unemployment
158
-
447
-
total
3 764
-
10 667
-
Corporate
67 709
92 500
-
-
income
10 156
13 875
-
-
total
10 156
13 875
-
-
Dividends
57 553
78 625
-
-
withholding
8 633
11 794
-
-
total
8 633
11 794
-
-
Income
92 500
92 500
92 500
92 500
Total tax
29 636
25 669
42 129
42 129
After tax
62 864
66 831
50 371
50 371
Living cost
13 944
13 944
13 944
13 944
Free-cash
48 920
52 887
36 427
36 427

Estimated living cost  is ₽13944 per week

₽9389
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.
₽403
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.
₽3073
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
₽10072
₽15447
₽20027
-₽14029
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
-
-
-
92 500
pensions
-
-
-
8 509
city
-
-
-
975
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.

-
-
-
1 850
health
-
-
-
208
regional
-
-
-
3 699
national
-
-
-
905
total
-
-
-
16 146
Employee
65 917
-
82 790
-
health
149
-
187
-
unemployment
-
-
-
-
city
707
-
890
-
pensions
5 538
-
6 956
-
regional
2 158
-
3 187
-
national
312
-
707
-
total
8 864
-
11 927
-
Employer
65 917
-
82 790
-
health
149
-
187
-
pensions
5 538
-
6 956
-
unemployment
-
-
-
-
other

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

1 318
-
1 656
-
total
7 005
-
8 799
-
Corporate
18 853
92 500
-
-
regional
3 987
19 564
-
-
national
1 603
7 863
-
-
total
5 590
27 427
-
-
Dividends
13 263
65 074
-
-
withholding
4 642
22 775
-
-
total
4 642
22 775
-
-
Income
92 500
92 500
92 500
92 500
Total tax
26 101
50 202
20 726
16 146
After tax
66 399
42 298
71 774
76 354
Living cost
56 327
56 327
56 327
56 327
Free-cash
10 072
-14 029
15 447
20 027

Estimated living cost  is ₽56327 per week

₽36629
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5055
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.
₽13952
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
₽28990
₽20638
₽33320
₽29549
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

-
-
-
92 500
municipal
-
-
-
16 454
health
-
-
-
1 087
national
-
-
-
10 570
total
-
-
-
28 111
Employee
42 576
-
77 816
-
health
318
-
860
-
unemployment
639
-
1 167
-
pensions
2 873
-
5 252
-
national
703
-
6 135
-
municipal
6 974
-
12 697
-
total
11 507
-
26 111
-
Employer
42 576
-
77 816
-
health
327
-
599
-
pensions
7 387
-
13 500
-
accident
43
-
78
-
unemployment
276
-
505
-
total
8 033
-
14 682
-
Corporate
41 890
92 500
-
-
income
8 377
18 501
-
-
total
8 377
18 501
-
-
Dividends

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

25 135
55 499
-
-
municipal
4 524
9 990
-
-
national
-
3 391
-
-
total
4 524
13 381
-
-
Income
92 500
92 500
92 500
92 500
Total tax
32 441
31 882
40 793
28 111
After tax
60 059
60 618
51 707
64 389
Living cost
31 069
31 069
31 069
31 069
Free-cash
28 990
29 549
20 638
33 320

Estimated living cost  is ₽31069 per week

₽20294
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2988
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽494
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.
₽7293
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
₽10193
₽5856
₽12605
₽22330
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
-
-
-
92 500
communal

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

-
-
-
4 658
social contributions
-
-
-
14 874
national
-
-
-
30 857
total
-
-
-
50 389
Employee

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

57 886
-
71 645
-
health

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

2 720
-
3 368
-
communal

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

3 019
-
3 736
-
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
-
623
-
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.

4 341
-
5 373
-
national
17 797
-
23 183
-
total
28 381
-
36 283
-
Employer

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

57 886
-
71 645
-
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.

3 560
-
4 406
-
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.

5 129
-
6 347
-
surtax
6 564
-
8 124
-
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.

752
-
932
-
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
-
1 046
-
total
16 850
-
20 855
-
Corporate
17 764
92 500
-
-
income
3 552
18 501
-
-
surtax
71
370
-
-
total
3 623
18 871
-
-
Dividends
14 141
73 629
-
-
withholding

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

3 947
21 793
-
-
total
3 947
21 793
-
-
Income
92 500
92 500
92 500
92 500
Total tax
52 801
40 664
57 138
50 389
After tax
39 699
51 836
35 362
42 111
Living cost
29 506
29 506
29 506
29 506
Free-cash
10 193
22 330
5 856
12 605

Estimated living cost  is ₽29506 per week

₽19006
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2580
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.
₽7459
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
₽14827
₽14500
₽14472
₽15610
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
-
-
-
92 500
unemployment
-
-
-
77
municipal
-
-
-
20 977
other
-
-
-
8 887
health
-
-
-
4 772
national
-
-
-
-
accident
-
-
-
153
pensions
-
-
-
8 267
total
-
-
-
43 133
Employee
49 722
-
70 385
-
national
-
-
-
-
municipal
14 827
-
20 989
-
total
14 827
-
20 989
-
Employer
49 722
-
70 385
-
health
3 058
-
4 329
-
pensions
5 375
-
7 609
-
accident
99
-
141
-
unemployment
1 313
-
1 858
-
other
5 778
-
8 179
-
total
15 623
-
22 116
-
Corporate
27 155
92 500
-
-
income
5 974
20 350
-
-
total
5 974
20 350
-
-
Dividends
21 181
72 150
-
-
withholding
6 354
21 645
-
-
total
6 354
21 645
-
-
Income
92 500
92 500
92 500
92 500
Total tax
42 778
41 995
43 105
43 133
After tax
49 722
50 505
49 395
49 367
Living cost
34 895
34 895
34 895
34 895
Free-cash
14 827
15 610
14 500
14 472

Estimated living cost  is ₽34895 per week

₽23127
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3424
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.
₽7814
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
-₽40102
₽42428
₽25552
₽17904
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
-
-
-
92 500
income
-
-
-
18 030
social contributions
-
-
-
10 545
total
-
-
-
28 575
Employee
55 021
-
-
-
income
12 137
-
-
-
social contributions
4 512
-
643
-
total
16 649
-
643
-
Employer
55 021
-
-
-
social contributions
77 580
-
11 056
-
total
77 580
-
11 056
-
Corporate
-
92 500
-
-
income
-
20 350
-
-
total
-
20 350
-
-
Dividends
-
72 150
-
-
income
-
15 873
-
-
total
-
15 873
-
-
Income
92 500
92 500
92 500
92 500
Total tax
94 229
36 223
11 699
28 575
After tax
-1 729
56 277
80 801
63 925
Living cost
38 373
38 373
38 373
38 373
Free-cash
-40 102
17 904
42 428
25 552

Estimated living cost  is ₽38373 per week

₽24898
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3609
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽489
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9377
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
₽38039
₽37703
₽38728
₽41394
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
-
-
-
92 500
income
-
-
-
12 072
health
-
-
-
2 359
social contributions
-
-
-
13 093
total
-
-
-
27 524
Employee
62 228
62 228
83 980
-
health
619
1 058
1 428
-
income
6 534
5 760
11 635
-
social contributions
3 024
5 165
6 966
-
total
10 177
11 983
20 029
-
Employer
62 228
62 228
83 980
-
health
674
1 152
1 554
-
social contributions
3 024
5 165
6 966
-
total
3 698
6 317
8 520
-
Corporate
52 377
23 956
-
-
income
6 547
2 995
-
-
total
6 547
2 995
-
-
Dividends
45 830
20 961
-
-
withholding
7 791
3 563
-
-
total
7 791
3 563
-
-
Income
92 500
92 500
92 500
92 500
Total tax
28 213
24 858
28 549
27 524
After tax
64 287
67 642
63 951
64 976
Living cost
26 248
26 248
26 248
26 248
Free-cash
38 039
41 394
37 703
38 728

Estimated living cost  is ₽26248 per week

₽17943
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2050
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.
₽5814
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
₽35988
₽27151
₽35772
₽36442
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
-
-
-
92 500
income
-
-
-
21 693
pensions
-
-
-
6 112
total
-
-
-
27 805
Employee
39 701
-
81 216
-
health
518
-
1 352
-
pensions
3 030
-
7 846
-
income
7 230
-
15 946
-
total
10 778
-
25 144
-
Employer
39 701
-
81 216
-
health
755
-
1 543
-
pensions
4 011
-
9 739
-
total
4 766
-
11 282
-
Corporate
48 034
92 500
-
-
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.

9 126
17 576
-
-
total
9 126
17 576
-
-
Dividends
38 907
74 924
-
-
withholding
2 919
9 559
-
-
total
2 919
9 559
-
-
Income
92 500
92 500
92 500
92 500
Total tax
27 589
27 135
36 426
27 805
After tax
64 911
65 365
56 074
64 695
Living cost
28 923
28 923
28 923
28 923
Free-cash
35 988
36 442
27 151
35 772

Estimated living cost  is ₽28923 per week

₽19841
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2660
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.
₽6059
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
₽12802
₽9209
₽13440
₽16484
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
-
-
-
92 500
municipal
-
-
-
619
regional
-
-
-
1 954
social contributions
-
-
-
23 791
national
-
-
-
20 457
total
-
-
-
46 821
Employee
68 193
-
92 500
-
social contributions
22 994
-
31 190
-
regional
1 030
-
1 664
-
national
11 524
-
17 647
-
municipal
407
-
551
-
total
35 955
-
51 052
-
Employer
68 193
-
92 500
-
total
-
-
-
-
Corporate
24 307
92 500
-
-
nationa
5 834
22 200
-
-
municipal
1 172
4 458
-
-
total
7 006
26 658
-
-
Dividends
17 301
65 842
-
-
withholding
4 498
17 119
-
-
total
4 498
17 119
-
-
Income
92 500
92 500
92 500
92 500
Total tax
47 459
43 777
51 052
46 821
After tax
45 041
48 723
41 448
45 679
Living cost
32 239
32 239
32 239
32 239
Free-cash
12 802
16 484
9 209
13 440

Estimated living cost  is ₽32239 per week

₽22646
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.
₽6888
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
₽4863
₽31536
₽46256
-₽9646
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
-
-
-
92 500
pensions
-
-
-
3 241
income
-
-
-
23 680
other
-
-
-
289
health
-
-
-
1 699
accident
-
-
-
197
total
-
-
-
29 106
Employee
26 959
-
80 597
-
health
3 087
-
9 228
-
pensions
3 036
-
5 943
-
income
3 699
-
16 752
-
total
9 822
-
31 923
-
Employer
26 959
-
80 597
-
pensions
4 384
-
8 582
-
accident
450
-
1 346
-
unemployment
660
-
1 975
-
total
5 494
-
11 903
-
Corporate
60 047
92 500
-
-
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.

54 042
83 250
-
-
total
54 042
83 250
-
-
Dividends
6 005
9 250
-
-
withholding
1 141
1 758
-
-
total
1 141
1 758
-
-
Income
92 500
92 500
92 500
92 500
Total tax
70 499
85 008
43 826
29 106
After tax
22 001
7 492
48 674
63 394
Living cost
17 138
17 138
17 138
17 138
Free-cash
4 863
-9 646
31 536
46 256

Estimated living cost  is ₽17138 per week

₽12561
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.
₽3270
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
₽27028
₽31418
₽23543
₽16445
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.

-
-
-
92 500
trade
-
-
-
7 875
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.

-
-
-
23 043
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.

-
-
-
5 529
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.

-
-
-
1 267
total
-
-
-
37 714
Employee

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

40 265
-
92 500
-
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.

5 529
-
5 529
-
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.

3 311
-
23 043
-
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
-
1 267
-
total
9 023
-
29 839
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
52 235
92 500
-
-
income
7 835
13 875
-
-
trade
7 496
13 273
-
-
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.

432
763
-
-
chamber of commerce
200
258
-
-
total
15 963
28 169
-
-
Dividends
36 272
64 330
-
-
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.

482
868
-
-
withholding
8 761
15 775
-
-
total
9 243
16 643
-
-
Income
92 500
92 500
92 500
92 500
Total tax
34 229
44 812
29 839
37 714
After tax
58 271
47 688
62 661
54 786
Living cost
31 243
31 243
31 243
31 243
Free-cash
27 028
16 445
31 418
23 543

Estimated living cost  is ₽31243 per week

₽21552
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3362
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.
₽5876
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
₽50527
₽35171
₽32411
₽57163
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.

-
-
-
92 500
income
-
-
-
13 514
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.

-
-
-
29 739
surtax
-
-
-
-
total
-
-
-
43 253
Employee
23 647
-
74 543
-
income
4 209
-
14 337
-
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.

2 601
-
8 199
-
surtax
-
-
-
-
total
6 810
-
22 536
-
Employer
23 647
-
74 543
-
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.

5 696
-
17 957
-
surtax
-
-
-
-
total
5 696
-
17 957
-
Corporate
63 157
92 500
-
-
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%.

12 631
18 501
-
-
total
12 631
18 501
-
-
Dividends

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

50 526
73 999
-
-
total
-
-
-
-
Income
92 500
92 500
92 500
92 500
Total tax
25 137
18 501
40 493
43 253
After tax
67 363
73 999
52 007
49 247
Living cost
16 836
16 836
16 836
16 836
Free-cash
50 527
57 163
35 171
32 411

Estimated living cost  is ₽16836 per week

₽10741
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1603
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽382
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4110
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
₽46150
₽43643
₽44349
₽47781
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
-
-
-
92 500
income
-
-
-
25 706
health
-
-
-
5 256
pensions
-
-
-
7 250
total
-
-
-
38 212
Employee
15 138
-
84 344
-
health
757
-
1 812
-
unemployment
151
-
363
-
pensions
1 362
-
3 262
-
income
2 928
-
25 325
-
total
5 198
-
30 762
-
Employer
15 138
-
84 344
-
health
1 438
-
3 444
-
pensions
1 665
-
3 987
-
unemployment
303
-
725
-
total
3 406
-
8 156
-
Corporate
73 955
92 500
-
-
income
16 270
20 350
-
-
total
16 270
20 350
-
-
Dividends
57 685
72 150
-
-
withholding
11 537
14 430
-
-
total
11 537
14 430
-
-
Income
92 500
92 500
92 500
92 500
Total tax
36 411
34 780
38 918
38 212
After tax
56 089
57 720
53 582
54 288
Living cost
9 939
9 939
9 939
9 939
Free-cash
46 150
47 781
43 643
44 349

Estimated living cost  is ₽9939 per week

₽5906
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
₽37432
₽26183
₽27701
₽40004
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
-
-
-
92 500
pensions
-
-
-
18 501
unemployment
-
-
-
184
income
-
-
-
18 897
other
-
-
-
-
health
-
-
-
6 568
surtax
-
-
-
2 472
total
-
-
-
46 622
Employee
27 253
-
76 415
-
health
696
-
1 949
-
unemployment
1 897
-
5 318
-
pensions
1 818
-
5 097
-
income
4 569
-
17 458
-
other
-
-
-
-
surtax
97
-
2 233
-
total
9 077
-
32 055
-
Employer
27 253
-
76 415
-
health
1 239
-
3 477
-
pensions
3 633
-
10 186
-
unemployment
865
-
2 422
-
other
-
-
-
-
total
5 737
-
16 085
-
Corporate
59 510
92 500
-
-
income
15 472
24 051
-
-
total
15 472
24 051
-
-
Dividends
44 038
68 449
-
-
withholding
6 605
10 268
-
-
total
6 605
10 268
-
-
Income
92 500
92 500
92 500
92 500
Total tax
36 891
34 319
48 140
46 622
After tax
55 609
58 181
44 360
45 878
Living cost
18 177
18 177
18 177
18 177
Free-cash
37 432
40 004
26 183
27 701

Estimated living cost  is ₽18177 per week

₽10974
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1580
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.
₽5201
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
₽25527
₽781
₽20229
₽25929
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
-
-
-
92 500
pensions
-
-
-
17 112
chamber of commerce
-
-
-
370
unemployment
-