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
₽24423
₽25955
₽38202
₽33601
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
-
-
-
18 050
accident
-
-
-
732
unemployment
-
-
-
569
pensions
-
-
-
23 000
other
-
-
-
82
total
-
-
-
42 433
Employee
32 422
-
70 139
-
other
32
-
70
-
income
6 251
-
17 152
-
unemployment
503
-
1 087
-
pensions
1 524
-
3 296
-
total
8 310
-
21 605
-
Employer
32 422
-
70 139
-
unemployment
1 784
-
3 857
-
pensions
7 651
-
16 553
-
other
260
-
561
-
accident
642
-
1 389
-
total
10 337
-
22 360
-
Corporate
49 741
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.

7 461
13 874
-
-
total
7 461
13 874
-
-
Dividends
42 280
78 626
-
-
withholding
8 679
16 312
-
-
total
8 679
16 312
-
-
Income
92 500
92 500
92 500
92 500
Total tax
34 787
30 186
43 965
42 433
After tax
57 713
62 314
48 535
50 067
Living cost
24 112
24 112
24 112
24 112
Free-cash
33 601
38 202
24 423
25 955

Estimated living cost  is ₽24112 per week

₽16275
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2318
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽423
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.
₽5097
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
₽30547
₽26725
₽44596
₽38675
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
-
-
-
11 749
health
-
-
-
4 070
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.

-
-
-
22 199
other
-
-
-
4 393
total
-
-
-
42 411
Employee
31 838
-
73 882
-
income
5 481
-
13 024
-
health
446
-
1 035
-
unemployment
318
-
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.

2 228
-
5 172
-
total
8 473
-
19 970
-
Employer
31 838
-
73 882
-
unemployment
318
-
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.

5 413
-
12 560
-
other
1 592
-
3 694
-
accident
255
-
591
-
health
446
-
1 035
-
total
8 024
-
18 619
-
Corporate
52 639
92 500
-
-
income
11 054
19 425
-
-
total
11 054
19 425
-
-
Dividends
41 585
73 075
-
-
withholding
2 910
5 115
-
-
total
2 910
5 115
-
-
Income
92 500
92 500
92 500
92 500
Total tax
30 461
24 540
38 589
42 411
After tax
62 039
67 960
53 911
50 089
Living cost
23 364
23 364
23 364
23 364
Free-cash
38 675
44 596
30 547
26 725

Estimated living cost  is ₽23364 per week

₽16508
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1577
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.
₽4902
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
₽61955
₽58991
₽67615
₽63549
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
-
-
-
3 515
unemployment
-
-
-
122
pensions

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

-
-
-
4 524
total
-
-
-
22 036
Employee
15 192
-
86 503
-
income
1 519
-
8 650
-
health
699
-
1 406
-
accident

We are using the highest rate at 1.1%.

167
-
336
-
pensions

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

1 334
-
2 684
-
total
3 719
-
13 076
-
Employer
15 192
-
86 503
-
unemployment
91
-
183
-
pensions

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

1 674
-
3 368
-
accident

We are using the highest rate at 1.1%.

167
-
336
-
health
1 049
-
2 109
-
total
2 981
-
5 996
-
Corporate
74 327
92 500
-
-
income
7 433
9 250
-
-
total
7 433
9 250
-
-
Dividends
66 894
83 250
-
-
withholding
3 345
4 162
-
-
total
3 345
4 162
-
-
Income
92 500
92 500
92 500
92 500
Total tax
17 478
13 412
19 072
22 036
After tax
75 022
79 088
73 428
70 464
Living cost
11 473
11 473
11 473
11 473
Free-cash
63 549
67 615
61 955
58 991

Estimated living cost  is ₽11473 per week

₽6698
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽819
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽304
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3652
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
₽27638
₽23126
₽16620
₽21798
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
-
-
-
9 489
social contributions
-
-
-
2 636
health
-
-
-
1 978
surtax
-
-
-
-
pensions
-
-
-
22 399
other
-
-
-
2 872
total
-
-
-
39 374
Employee
37 528
-
74 875
-
income
2 215
-
11 383
-
social contributions
1 070
-
2 133
-
surtax
-
-
-
-
pensions
4 243
-
3 726
-
total
7 528
-
17 242
-
Employer
37 528
-
74 875
-
unemployment
1 519
-
3 032
-
social contributions
113
-
225
-
pensions
6 165
-
6 538
-
other
1 295
-
2 583
-
health
2 627
-
5 242
-
total
11 719
-
17 620
-
Corporate
43 253
92 500
-
-
income
12 110
25 900
-
-
surtax
-
-
-
-
total
12 110
25 900
-
-
Dividends
31 142
66 600
-
-
withholding
3 987
8 525
-
-
surtax
-
-
-
-
social contributions
5 358
11 455
-
-
total
9 345
19 980
-
-
Income
92 500
92 500
92 500
92 500
Total tax
40 702
45 880
34 862
39 374
After tax
51 798
46 620
57 638
53 126
Living cost
30 000
30 000
30 000
30 000
Free-cash
21 798
16 620
27 638
23 126

Estimated living cost  is ₽30000 per week

₽18916
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2439
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽511
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.
₽8135
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
₽9461
₽15745
₽8139
₽2767
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
-
-
-
18 969
health
-
-
-
10 781
pensions
-
-
-
10 273
total
-
-
-
40 023
Employee
74 879
74 879
78 716
-
income

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

12 257
12 257
12 257
-
health
11 493
9 776
9 994
-
pensions
13 478
10 273
10 273
-
total
37 228
32 306
32 524
-
Employer
74 879
74 879
78 716
-
unemployment
2 696
2 696
2 834
-
pensions
5 212
5 212
5 478
-
health
5 205
5 205
5 471
-
total
13 113
13 113
13 783
-
Corporate
5 427
4 508
-
-
income
1 085
902
-
-
total
1 085
902
-
-
Dividends
4 342
3 606
-
-
withholding
651
541
-
-
income
924
767
-
-
total
1 575
1 308
-
-
Income
92 500
92 500
92 500
92 500
Total tax
53 001
47 629
46 307
40 023
After tax
39 499
44 871
46 193
52 477
Living cost
36 732
36 732
36 732
36 732
Free-cash
2 767
8 139
9 461
15 745

Estimated living cost  is ₽36732 per week

₽26031
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3311
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽584
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.
₽6806
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
₽38668
₽30519
₽20197
₽29894
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
income

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

-
-
-
20 173
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.

-
-
-
5 990
trade
-
-
-
8 149
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.

-
-
-
1 110
total
-
-
-
35 422
Employee

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

33 538
-
92 500
-
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.

937
-
20 173
-
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.

5 990
-
5 990
-
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.

52
-
1 110
-
total
6 979
-
27 273
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
58 962
92 500
-
-
chamber of commerce
218
266
-
-
income
8 844
13 874
-
-
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.

486
764
-
-
trade
9 287
14 568
-
-
total
18 835
29 472
-
-
Dividends
40 128
63 027
-
-
withholding
9 699
15 423
-
-
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.

534
849
-
-
total
10 233
16 272
-
-
Income
92 500
92 500
92 500
92 500
Total tax
36 047
45 744
27 273
35 422
After tax
56 453
46 756
65 227
57 078
Living cost
26 559
26 559
26 559
26 559
Free-cash
29 894
20 197
38 668
30 519

Estimated living cost  is ₽26559 per week

₽16706
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3097
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽496
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6260
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
₽44567
₽44829
₽47380
₽42609
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
-
-
-
10 823
social contributions
-
-
-
14 187
health
-
-
-
2 360
total
-
-
-
27 370
Employee
67 426
67 426
83 975
-
income
7 342
6 242
10 709
-
social contributions
2 549
5 596
6 970
-
health
522
1 146
1 428
-
total
10 413
12 984
19 107
-
Employer
67 426
67 426
83 975
-
social contributions
2 549
5 596
6 970
-
health
567
1 248
1 554
-
total
3 116
6 844
8 524
-
Corporate
58 669
18 230
-
-
income
7 333
2 278
-
-
total
7 333
2 278
-
-
Dividends
51 335
15 952
-
-
withholding
8 728
2 712
-
-
total
8 728
2 712
-
-
Income
92 500
92 500
92 500
92 500
Total tax
29 590
24 818
27 631
27 370
After tax
62 910
67 682
64 869
65 130
Living cost
20 302
20 302
20 302
20 302
Free-cash
42 609
47 380
44 567
44 829

Estimated living cost  is ₽20302 per week

₽12167
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1992
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽449
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.
₽5694
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
₽18996
₽23995
₽25111
₽24229
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
-
-
-
8 858
social contributions

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

-
-
-
32 143
surtax
-
-
-
-
total
-
-
-
41 001
Employee
40 328
-
74 747
-
income
8 388
-
20 025
-
social contributions
4 436
-
8 222
-
surtax
-
-
-
-
total
12 824
-
28 247
-
Employer
40 328
-
74 747
-
social contributions
9 578
-
17 753
-
total
9 578
-
17 753
-
Corporate
42 594
92 500
-
-
income
8 944
19 425
-
-
surtax
-
-
-
-
total
8 944
19 425
-
-
Dividends
33 650
73 075
-
-
withholding
9 421
20 460
-
-
total
9 421
20 460
-
-
Income
92 500
92 500
92 500
92 500
Total tax
40 767
39 885
46 000
41 001
After tax
51 733
52 615
46 500
51 499
Living cost
27 504
27 504
27 504
27 504
Free-cash
24 229
25 111
18 996
23 995

Estimated living cost  is ₽27504 per week

₽20579
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1622
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽459
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.
₽4844
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
₽67715
₽85290
₽81590
₽80412
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
7 857
-
92 500
-
income
1 571
-
18 500
-
total
1 571
-
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%.

84 643
92 500
-
-
total
-
-
-
-
Dividends
84 643
92 500
-
-
withholding
4 232
4 625
-
-
total
4 232
4 625
-
-
Income
92 500
92 500
92 500
92 500
Total tax
5 803
4 625
18 500
925
After tax
86 697
87 875
74 000
91 575
Living cost
6 285
6 285
6 285
6 285
Free-cash
80 412
81 590
67 715
85 290

Estimated living cost  is ₽6285 per week

₽3895
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽522
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽173
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽1695
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

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

Ljubljana , Slovenia
₽21476
₽24127
₽40167
₽32834
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
income
-
-
-
18 721
health
-
-
-
9 102
unemployment
-
-
-
138
pensions
-
-
-
16 893
total
-
-
-
44 854
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.

38 775
-
80 038
-
income
6 687
-
17 355
-
health
2 504
-
5 170
-
unemployment
55
-
111
-
pensions
6 010
-
12 407
-
total
15 256
-
35 043
-
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.

38 775
-
80 038
-
unemployment
23
-
48
-
pensions
3 431
-
7 084
-
health
2 583
-
5 330
-
total
6 037
-
12 462
-
Corporate
47 689
92 500
-
-
income
9 060
17 575
-
-
total
9 060
17 575
-
-
Dividends
38 628
74 925
-
-
withholding
5 794
11 239
-
-
total
5 794
11 239
-
-
Income
92 500
92 500
92 500
92 500
Total tax
36 147
28 814
47 505
44 854
After tax
56 353
63 686
44 995
47 646
Living cost
23 519
23 519
23 519
23 519
Free-cash
32 834
40 167
21 476
24 127

Estimated living cost  is ₽23519 per week

₽16141
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1508
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽456
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5416
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
₽36178
₽30001
₽23662
₽26726
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
-
-
-
24 960
health

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

-
-
-
5 709
total
-
-
-
30 669
Employee
40 225
-
88 466
-
social contributions
4 030
-
4 034
-
income
4 365
-
16 424
-
total
8 395
-
20 458
-
Employer
40 225
-
88 466
-
social contributions
4 030
-
4 034
-
total
4 030
-
4 034
-
Corporate
48 245
92 500
-
-
income
16 886
32 375
-
-
total
16 886
32 375
-
-
Dividends
31 359
60 125
-
-
social contributions
4 633
4 633
-
-
total
4 633
4 633
-
-
Income
92 500
92 500
92 500
92 500
Total tax
33 944
37 008
24 492
30 669
After tax
58 556
55 492
68 008
61 831
Living cost
31 830
31 830
31 830
31 830
Free-cash
26 726
23 662
36 178
30 001

Estimated living cost  is ₽31830 per week

₽20966
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2509
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽488
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.
₽7866
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
₽40724
₽40813
₽37841
₽38298
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
-
-
-
13 874
social contributions
-
-
-
12 764
health
-
-
-
6 456
total
-
-
-
33 094
Employee
29 730
-
92 500
-
income
4 959
-
13 963
-
social contributions
4 103
-
12 764
-
health
2 075
-
6 456
-
total
11 137
-
33 183
-
Employer
29 730
-
92 500
-
total
-
-
-
-
Corporate
62 770
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%.

3 138
4 624
-
-
total
3 138
4 624
-
-
Dividends
59 631
87 876
-
-
withholding
8 944
13 182
-
-
health
4 162
6 133
-
-
social contributions
8 228
12 127
-
-
total
21 334
31 442
-
-
Income
92 500
92 500
92 500
92 500
Total tax
35 609
36 066
33 183
33 094
After tax
56 891
56 434
59 317
59 406
Living cost
18 593
18 593
18 593
18 593
Free-cash
38 298
37 841
40 724
40 813

Estimated living cost  is ₽18593 per week

₽12443
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1146
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽428
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.
₽4574
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
₽23180
₽21293
₽39926
₽31450
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
-
-
-
7 950
social contributions
-
-
-
27 010
solidarity contribution
-
-
-
-
health
-
-
-
12 487
total
-
-
-
47 447
Employee
34 941
-
69 030
-
solidarity contribution
-
-
-
-
income
4 193
-
8 284
-
social contributions
2 271
-
4 487
-
health
4 717
-
9 319
-
total
11 181
-
22 090
-
Employer
34 941
-
69 030
-
social contributions
8 735
-
17 257
-
health
3 145
-
6 213
-
total
11 880
-
23 470
-
Corporate
45 679
92 500
-
-
income
8 679
17 575
-
-
total
8 679
17 575
-
-
Dividends
37 000
74 925
-
-
withholding
5 550
11 239
-
-
total
5 550
11 239
-
-
Income
92 500
92 500
92 500
92 500
Total tax
37 290
28 814
45 560
47 447
After tax
55 210
63 686
46 940
45 053
Living cost
23 760
23 760
23 760
23 760
Free-cash
31 450
39 926
23 180
21 293

Estimated living cost  is ₽23760 per week

₽17669
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1316
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.
₽4363
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
₽64205
₽81780
₽78080
₽76243
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
12 243
-
92 500
-
income
2 449
-
18 500
-
total
2 449
-
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%.

80 257
92 500
-
-
total
-
-
-
-
Dividends
80 257
92 500
-
-
withholding
4 013
4 625
-
-
total
4 013
4 625
-
-
Income
92 500
92 500
92 500
92 500
Total tax
6 462
4 625
18 500
925
After tax
86 038
87 875
74 000
91 575
Living cost
9 795
9 795
9 795
9 795
Free-cash
76 243
78 080
64 205
81 780

Estimated living cost  is ₽9795 per week

₽6628
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽411
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽328
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽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
₽15287
₽10775
₽4269
₽10296
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
-
-
-
9 489
social contributions
-
-
-
2 636
health
-
-
-
1 978
surtax
-
-
-
-
pensions
-
-
-
22 399
other
-
-
-
2 872
total
-
-
-
39 374
Employee
54 919
-
74 875
-
income
4 792
-
11 383
-
social contributions
1 564
-
2 133
-
surtax
-
-
-
-
pensions
6 212
-
3 726
-
total
12 568
-
17 242
-
Employer
54 919
-
74 875
-
unemployment
2 225
-
3 032
-
social contributions
165
-
225
-
pensions
9 024
-
6 538
-
other
1 895
-
2 583
-
health
3 844
-
5 242
-
total
17 153
-
17 620
-
Corporate
20 429
92 500
-
-
income
5 721
25 900
-
-
surtax
-
-
-
-
total
5 721
25 900
-
-
Dividends
14 708
66 600
-
-
withholding
1 882
8 525
-
-
surtax
-
-
-
-
social contributions
2 529
11 455
-
-
total
4 411
19 980
-
-
Income
92 500
92 500
92 500
92 500
Total tax
39 853
45 880
34 862
39 374
After tax
52 647
46 620
57 638
53 126
Living cost
42 351
42 351
42 351
42 351
Free-cash
10 296
4 269
15 287
10 775

Estimated living cost  is ₽42351 per week

₽28662
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3464
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽581
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.
₽9643
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
₽34425
₽34425
₽51708
₽47407
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
income
-
-
-
18 524
health
-
-
-
6 656
unemployment
-
-
-
969
pensions
-
-
-
16 803
total
-
-
-
42 952
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.

22 804
-
80 932
-
income
3 143
-
18 524
-
health
1 174
-
3 328
-
unemployment
171
-
485
-
pensions
3 193
-
9 047
-
total
7 681
-
31 384
-
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.

22 804
-
80 932
-
unemployment
171
-
485
-
pensions
2 736
-
7 755
-
health
1 174
-
3 328
-
total
4 081
-
11 568
-
Corporate
65 614
92 500
-
-
income
9 842
13 875
-
-
total
9 842
13 875
-
-
Dividends
55 772
78 625
-
-
withholding
8 366
11 794
-
-
total
8 366
11 794
-
-
Income
92 500
92 500
92 500
92 500
Total tax
29 970
25 669
42 952
42 952
After tax
62 530
66 831
49 548
49 548
Living cost
15 123
15 123
15 123
15 123
Free-cash
47 407
51 708
34 425
34 425

Estimated living cost  is ₽15123 per week

₽10182
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1170
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽438
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.
₽3333
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
₽10858
₽15447
-₽18910
₽7279
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
regional
-
-
-
3 514
national
-
-
-
787
health
-
-
-
208
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
pensions
-
-
-
8 511
total
-
-
-
15 845
Employee
71 629
-
82 794
-
regional
2 345
-
3 010
-
city
769
-
890
-
health
162
-
186
-
unemployment
-
-
-
-
national
339
-
597
-
pensions
6 018
-
6 955
-
total
9 633
-
11 638
-
Employer
71 629
-
82 794
-
unemployment
-
-
-
-
pensions
6 018
-
6 955
-
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.

1 432
-
1 655
-
health
162
-
186
-
total
7 612
-
8 796
-
Corporate
12 471
92 500
-
-
regional
2 638
19 564
-
-
national
1 060
7 862
-
-
total
3 698
27 426
-
-
Dividends
8 774
65 074
-
-
withholding
3 070
22 776
-
-
total
3 070
22 776
-
-
Income
92 500
92 500
92 500
92 500
Total tax
24 013
50 202
20 434
15 845
After tax
68 487
42 298
72 066
76 655
Living cost
61 208
61 208
61 208
61 208
Free-cash
7 279
-18 910
10 858
15 447

Estimated living cost  is ₽61208 per week

₽39803
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5493
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽751
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.
₽15161
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
₽18725
₽31480
₽27470
₽26063
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
-
-
-
16 460
national
-
-
-
9 837
health
-
-
-
1 058
total
-
-
-
27 355
Employee
46 133
-
77 815
-
health
344
-
832
-
unemployment
692
-
1 166
-
national
762
-
5 473
-
municipal
7 556
-
12 701
-
pensions
3 113
-
5 253
-
total
12 467
-
25 425
-
Employer
46 133
-
77 815
-
unemployment
300
-
506
-
pensions
8 004
-
13 502
-
accident
47
-
78
-
health
354
-
599
-
total
8 705
-
14 685
-
Corporate
37 663
92 500
-
-
income
7 533
18 500
-
-
total
7 533
18 500
-
-
Dividends

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

22 597
55 500
-
-
national
-
2 874
-
-
municipal
4 067
9 991
-
-
total
4 067
12 865
-
-
Income
92 500
92 500
92 500
92 500
Total tax
32 772
31 365
40 110
27 355
After tax
59 728
61 135
52 390
65 145
Living cost
33 665
33 665
33 665
33 665
Free-cash
26 063
27 470
18 725
31 480

Estimated living cost  is ₽33665 per week

₽21990
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3238
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.
₽7902
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
₽3800
₽10885
₽19890
₽6738
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
national
-
-
-
30 285
social contributions
-
-
-
14 690
communal

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

-
-
-
4 669
total
-
-
-
49 644
Employee

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

62 722
-
71 644
-
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.

2 947
-
3 366
-
communal

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

3 271
-
3 737
-
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.

546
-
624
-
national
19 283
-
22 772
-
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.

4 704
-
5 373
-
total
30 751
-
35 872
-
Employer

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

62 722
-
71 644
-
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.

915
-
1 047
-
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.

5 558
-
6 348
-
surtax
7 112
-
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.

815
-
932
-
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.

3 857
-
4 406
-
total
18 257
-
20 857
-
Corporate
11 521
92 500
-
-
income
2 305
18 500
-
-
surtax
47
369
-
-
total
2 352
18 869
-
-
Dividends
9 170
73 630
-
-
withholding

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

2 431
21 770
-
-
total
2 431
21 770
-
-
Income
92 500
92 500
92 500
92 500
Total tax
53 791
40 639
56 729
49 644
After tax
38 709
51 861
35 771
42 856
Living cost
31 971
31 971
31 971
31 971
Free-cash
6 738
19 890
3 800
10 885

Estimated living cost  is ₽31971 per week

₽20594
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2795
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽501
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.
₽8082
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
₽13547
₽13096
₽14657
₽13853
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
-
-
-
20 796
national
-
-
-
-
health
-
-
-
4 902
accident
-
-
-
157
unemployment
-
-
-
79
pensions
-
-
-
8 493
other
-
-
-
9 129
total
-
-
-
43 556
Employee
51 080
-
70 385
-
national
-
-
-
-
municipal
15 232
-
20 989
-
total
15 232
-
20 989
-
Employer
51 080
-
70 385
-
unemployment
1 348
-
1 858
-
pensions
5 522
-
7 609
-
other
5 936
-
8 179
-
accident
102
-
141
-
health
3 141
-
4 329
-
total
16 049
-
22 116
-
Corporate
25 370
92 500
-
-
income
5 581
20 350
-
-
total
5 581
20 350
-
-
Dividends
19 789
72 150
-
-
withholding
5 937
21 645
-
-
total
5 937
21 645
-
-
Income
92 500
92 500
92 500
92 500
Total tax
42 799
41 995
43 105
43 556
After tax
49 701
50 505
49 395
48 944
Living cost
35 848
35 848
35 848
35 848
Free-cash
13 853
14 657
13 547
13 096

Estimated living cost  is ₽35848 per week

₽23759
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3518
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽544
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8027
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
₽41850
₽25109
₽17461
-₽41633
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
55 657
-
-
-
income
12 277
-
-
-
social contributions
4 564
-
650
-
total
16 841
-
650
-
Employer
55 657
-
-
-
social contributions
78 476
-
11 184
-
total
78 476
-
11 184
-
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
95 317
36 223
11 834
28 575
After tax
-2 817
56 277
80 666
63 925
Living cost
38 816
38 816
38 816
38 816
Free-cash
-41 633
17 461
41 850
25 109

Estimated living cost  is ₽38816 per week

₽25185
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3651
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.
₽9485
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
₽36428
₽36689
₽39241
₽35605
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
-
-
-
10 823
social contributions
-
-
-
14 187
health
-
-
-
2 360
total
-
-
-
27 370
Employee
67 426
67 426
83 975
-
income
7 080
6 242
10 709
-
social contributions
3 276
5 596
6 970
-
health
671
1 146
1 428
-
total
11 027
12 984
19 107
-
Employer
67 426
67 426
83 975
-
social contributions
3 276
5 596
6 970
-
health
730
1 248
1 554
-
total
4 006
6 844
8 524
-
Corporate
49 025
18 230
-
-
income
6 128
2 278
-
-
total
6 128
2 278
-
-
Dividends
42 897
15 952
-
-
withholding
7 293
2 712
-
-
total
7 293
2 712
-
-
Income
92 500
92 500
92 500
92 500
Total tax
28 454
24 818
27 631
27 370
After tax
64 046
67 682
64 869
65 130
Living cost
28 441
28 441
28 441
28 441
Free-cash
35 605
39 241
36 428
36 689

Estimated living cost  is ₽28441 per week

₽19442
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2221
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽478
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.
₽6300
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
₽25665
₽33969
₽35074
₽32764
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
-
-
-
20 283
pensions
-
-
-
6 525
total
-
-
-
26 808
Employee
43 544
-
81 339
-
income
7 930
-
14 748
-
health
568
-
1 343
-
pensions
3 324
-
7 860
-
total
11 822
-
23 951
-
Employer
43 544
-
81 339
-
pensions
4 399
-
9 615
-
health
828
-
1 546
-
total
5 227
-
11 161
-
Corporate
43 729
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.

8 308
17 575
-
-
total
8 308
17 575
-
-
Dividends
35 421
74 925
-
-
withholding
2 656
8 128
-
-
total
2 656
8 128
-
-
Income
92 500
92 500
92 500
92 500
Total tax
28 013
25 703
35 112
26 808
After tax
64 487
66 797
57 388
65 692
Living cost
31 723
31 723
31 723
31 723
Free-cash
32 764
35 074
25 665
33 969

Estimated living cost  is ₽31723 per week

₽21762
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2917
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.
₽6645
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
₽7050
₽11280
₽13792
₽9802
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
-
-
-
1 891
national
-
-
-
19 986
social contributions
-
-
-
23 792
total
-
-
-
46 288
Employee
73 889
-
92 500
-
regional
1 116
-
1 601
-
social contributions
24 915
-
31 191
-
national
12 487
-
17 174
-
municipal
441
-
552
-
total
38 959
-
50 518
-
Employer
73 889
-
92 500
-
total
-
-
-
-
Corporate
18 611
92 500
-
-
nationa
4 466
22 199
-
-
municipal
897
4 458
-
-
total
5 363
26 657
-
-
Dividends
13 248
65 843
-
-
withholding
3 444
17 119
-
-
total
3 444
17 119
-
-
Income
92 500
92 500
92 500
92 500
Total tax
47 766
43 776
50 518
46 288
After tax
44 734
48 724
41 982
46 212
Living cost
34 932
34 932
34 932
34 932
Free-cash
9 802
13 792
7 050
11 280

Estimated living cost  is ₽34932 per week

₽24537
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2403
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽527
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.
₽7463
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
₽30364
₽45370
-₽10559
₽4725
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
-
-
-
23 365
health
-
-
-
1 789
accident
-
-
-
207
pensions
-
-
-
3 414
other
-
-
-
304
total
-
-
-
29 079
Employee
28 396
-
80 158
-
income
3 896
-
16 304
-
health
3 251
-
9 178
-
pensions
3 197
-
6 260
-
total
10 344
-
31 742
-
Employer
28 396
-
80 158
-
unemployment
696
-
1 964
-
pensions
4 617
-
9 040
-
accident
474
-
1 339
-
total
5 787
-
12 343
-
Corporate
58 317
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.

52 485
83 250
-
-
total
52 485
83 250
-
-
Dividends
5 832
9 250
-
-
withholding
1 108
1 758
-
-
total
1 108
1 758
-
-
Income
92 500
92 500
92 500
92 500
Total tax
69 724
85 008
44 085
29 079
After tax
22 776
7 492
48 415
63 421
Living cost
18 051
18 051
18 051
18 051
Free-cash
4 725
-10 559
30 364
45 370

Estimated living cost  is ₽18051 per week

₽13230
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1000
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽377
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.
₽3445
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
₽31374
₽23951
₽13854
₽25324
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
income

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

-
-
-
20 173
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.

-
-
-
5 990
trade
-
-
-
7 423
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.

-
-
-
1 110
total
-
-
-
34 696
Employee

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

43 629
-
92 500
-
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.

3 588
-
20 173
-
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.

5 990
-
5 990
-
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
-
1 110
-
total
9 776
-
27 273
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
48 871
92 500
-
-
chamber of commerce
205
270
-
-
income
7 330
13 874
-
-
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.

403
764
-
-
trade
7 014
13 274
-
-
total
14 952
28 182
-
-
Dividends
33 920
64 319
-
-
withholding
8 147
15 746
-
-
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.

448
865
-
-
total
8 595
16 611
-
-
Income
92 500
92 500
92 500
92 500
Total tax
33 323
44 793
27 273
34 696
After tax
59 177
47 707
65 227
57 804
Living cost
33 853
33 853
33 853
33 853
Free-cash
25 324
13 854
31 374
23 951

Estimated living cost  is ₽33853 per week

₽23352
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3642
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽491
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.
₽6366
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
₽33840
₽31083
₽55758
₽48566
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
microenterprise
-
-
-
-
income
-
-
-
13 436
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
-
-
-
43 175
Employee
25 622
-
74 542
-
income
4 561
-
14 260
-
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.

2 819
-
8 200
-
surtax
-
-
-
-
total
7 380
-
22 460
-
Employer
25 622
-
74 542
-
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.

6 172
-
17 958
-
surtax
-
-
-
-
total
6 172
-
17 958
-
Corporate
60 706
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%.

12 140
18 500
-
-
total
12 140
18 500
-
-
Dividends

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

48 566
74 000
-
-
total
-
-
-
-
Income
92 500
92 500
92 500
92 500
Total tax
25 692
18 500
40 418
43 175
After tax
66 808
74 000
52 082
49 325
Living cost
18 242
18 242
18 242
18 242
Free-cash
48 566
55 758
33 840
31 083

Estimated living cost  is ₽18242 per week

₽11638
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1737
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽414
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.
₽4453
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
₽41317
₽42123
₽46379
₽44514
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
-
-
-
24 765
health
-
-
-
5 998
pensions
-
-
-
8 273
total
-
-
-
39 036
Employee
17 274
-
83 194
-
income
3 342
-
24 331
-
health
864
-
2 068
-
unemployment
173
-
414
-
pensions
1 555
-
3 723
-
total
5 934
-
30 536
-
Employer
17 274
-
83 194
-
unemployment
346
-
827
-
pensions
1 900
-
4 550
-
health
1 641
-
3 929
-
total
3 887
-
9 306
-
Corporate
71 339
92 500
-
-
income
15 695
20 350
-
-
total
15 695
20 350
-
-
Dividends
55 645
72 150
-
-
withholding
11 129
14 430
-
-
total
11 129
14 430
-
-
Income
92 500
92 500
92 500
92 500
Total tax
36 645
34 780
39 842
39 036
After tax
55 855
57 720
52 658
53 464
Living cost
11 341
11 341
11 341
11 341
Free-cash
44 514
46 379
41 317
42 123

Estimated living cost  is ₽11341 per week

₽6740
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.
₽3422
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
₽25602
₽27340
₽38488
₽35698
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
-
-
-
17 941
health
-
-
-
6 568
unemployment
-
-
-
200
surtax
-
-
-
2 256
pensions
-
-
-
18 500
other
-
-
-
-
total
-
-
-
45 465
Employee
29 529
-
76 414
-
other
-
-
-
-
income
4 950
-
16 710
-
health
754
-
1 949
-
unemployment
2 055
-
5 318
-
surtax
105
-
2 043
-
pensions
1 970
-
5 097
-
total
9 834
-
31 117
-
Employer
29 529
-
76 414
-
unemployment
937
-
2 423
-
pensions
3 937
-
10 185
-
other
-
-
-
-
health
1 343
-
3 478
-
total
6 217
-
16 086
-
Corporate
56 754
92 500
-
-
income
14 756
24 050
-
-
total
14 756
24 050
-
-
Dividends
41 998
68 450
-
-
withholding
6 300
10 267
-
-
total
6 300
10 267
-
-
Income
92 500
92 500
92 500
92 500
Total tax
37 107
34 317
47 203
45 465
After tax
55 393
58 183
45 297
47 035
Living cost
19 695
19 695
19 695
19 695
Free-cash
35 698
38 488
25 602
27 340

Estimated living cost  is ₽19695 per week

₽11891
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1712
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.
₽5636
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
-₽503
₽18640
₽23891
₽23457
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
-
-
-
15 949
chamber of commerce
-
-
-
369
health
-