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
₽ 93000
per

Your estimated
City
free-cash

Valencia , Spain
₽24356
₽25715
₽38127
₽33450
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
-
-
-
93 000
income
-
-
-
17 958
accident
-
-
-
745
unemployment
-
-
-
579
pensions
-
-
-
23 394
other
-
-
-
83
total
-
-
-
42 759
Employee
32 978
-
70 518
-
other
32
-
71
-
income
6 358
-
17 159
-
unemployment
511
-
1 093
-
pensions
1 550
-
3 314
-
total
8 451
-
21 637
-
Employer
32 978
-
70 518
-
unemployment
1 814
-
3 879
-
pensions
7 782
-
16 642
-
other
264
-
564
-
accident
653
-
1 396
-
total
10 513
-
22 481
-
Corporate
49 508
93 000
-
-
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.

7 427
13 950
-
-
total
7 427
13 950
-
-
Dividends
42 082
79 050
-
-
withholding
8 633
16 397
-
-
total
8 633
16 397
-
-
Income
93 000
93 000
93 000
93 000
Total tax
35 024
30 347
44 118
42 759
After tax
57 976
62 653
48 882
50 241
Living cost
24 526
24 526
24 526
24 526
Free-cash
33 450
38 127
24 356
25 715

Estimated living cost  is ₽24526 per week

₽16554
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2358
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽430
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.
₽5184
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
₽30482
₽26593
₽44561
₽38538
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
-
-
-
93 000
income
-
-
-
11 812
health
-
-
-
4 092
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.

-
-
-
22 321
other
-
-
-
4 417
total
-
-
-
42 642
Employee
32 383
-
74 281
-
income
5 575
-
13 051
-
health
454
-
1 039
-
unemployment
323
-
743
-
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.

2 266
-
5 201
-
total
8 618
-
20 034
-
Employer
32 383
-
74 281
-
unemployment
323
-
743
-
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.

5 506
-
12 628
-
other
1 620
-
3 715
-
accident
259
-
594
-
health
454
-
1 039
-
total
8 162
-
18 719
-
Corporate
52 456
93 000
-
-
income
11 016
19 530
-
-
total
11 016
19 530
-
-
Dividends
41 439
73 470
-
-
withholding
2 901
5 144
-
-
total
2 901
5 144
-
-
Income
93 000
93 000
93 000
93 000
Total tax
30 697
24 674
38 753
42 642
After tax
62 303
68 326
54 247
50 358
Living cost
23 765
23 765
23 765
23 765
Free-cash
38 538
44 561
30 482
26 593

Estimated living cost  is ₽23765 per week

₽16791
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1604
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽383
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4986
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
₽62028
₽59069
₽67839
₽63704
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
-
-
-
93 000
income
-
-
-
13 950
health
-
-
-
3 577
unemployment
-
-
-
124
pensions

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

-
-
-
4 604
total
-
-
-
22 255
Employee
15 461
-
86 897
-
income
1 546
-
8 689
-
health
711
-
1 431
-
accident

We are using the highest rate at 1.1%.

170
-
342
-
pensions

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

1 357
-
2 731
-
total
3 784
-
13 193
-
Employer
15 461
-
86 897
-
unemployment
92
-
187
-
pensions

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

1 704
-
3 428
-
accident

We are using the highest rate at 1.1%.

170
-
342
-
health
1 067
-
2 146
-
total
3 033
-
6 103
-
Corporate
74 505
93 000
-
-
income
7 450
9 300
-
-
total
7 450
9 300
-
-
Dividends
67 055
83 700
-
-
withholding
3 353
4 185
-
-
total
3 353
4 185
-
-
Income
93 000
93 000
93 000
93 000
Total tax
17 620
13 485
19 296
22 255
After tax
75 380
79 515
73 704
70 745
Living cost
11 676
11 676
11 676
11 676
Free-cash
63 704
67 839
62 028
59 069

Estimated living cost  is ₽11676 per week

₽6817
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽834
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽309
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.
₽3716
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
₽27600
₽22930
₽16357
₽21627
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
-
-
-
93 000
income
-
-
-
9 396
social contributions
-
-
-
2 650
health
-
-
-
1 931
surtax
-
-
-
-
pensions
-
-
-
22 692
other
-
-
-
2 887
total
-
-
-
39 556
Employee
38 171
-
75 332
-
income
2 253
-
11 361
-
social contributions
1 088
-
2 148
-
surtax
-
-
-
-
pensions
4 316
-
3 707
-
total
7 657
-
17 216
-
Employer
38 171
-
75 332
-
unemployment
1 545
-
3 052
-
social contributions
115
-
227
-
pensions
6 271
-
6 517
-
other
1 317
-
2 600
-
health
2 672
-
5 274
-
total
11 920
-
17 670
-
Corporate
42 909
93 000
-
-
income
12 015
26 041
-
-
surtax
-
-
-
-
total
12 015
26 041
-
-
Dividends
30 894
66 959
-
-
withholding
3 954
8 571
-
-
surtax
-
-
-
-
social contributions
5 313
11 517
-
-
total
9 267
20 088
-
-
Income
93 000
93 000
93 000
93 000
Total tax
40 859
46 129
34 886
39 556
After tax
52 141
46 871
58 114
53 444
Living cost
30 514
30 514
30 514
30 514
Free-cash
21 627
16 357
27 600
22 930

Estimated living cost  is ₽30514 per week

₽19240
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2481
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽520
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.
₽8275
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
₽8750
₽15404
₽7724
₽2262
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
-
-
-
93 000
income
-
-
-
18 881
health
-
-
-
10 903
pensions
-
-
-
10 450
total
-
-
-
40 234
Employee
76 163
76 163
79 142
-
income

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

12 467
12 467
12 467
-
health
11 690
9 943
10 113
-
pensions
13 709
10 450
10 450
-
total
37 866
32 860
33 030
-
Employer
76 163
76 163
79 142
-
unemployment
2 742
2 742
2 848
-
pensions
5 301
5 301
5 509
-
health
5 294
5 294
5 501
-
total
13 337
13 337
13 858
-
Corporate
4 435
3 501
-
-
income
887
701
-
-
total
887
701
-
-
Dividends
3 548
2 800
-
-
withholding
531
420
-
-
income
755
596
-
-
total
1 286
1 016
-
-
Income
93 000
93 000
93 000
93 000
Total tax
53 376
47 914
46 888
40 234
After tax
39 624
45 086
46 112
52 766
Living cost
37 362
37 362
37 362
37 362
Free-cash
2 262
7 724
8 750
15 404

Estimated living cost  is ₽37362 per week

₽26477
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3368
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽594
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.
₽6922
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
₽38705
₽30588
₽19997
₽29862
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.

-
-
-
93 000
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.

-
-
-
20 083
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.

-
-
-
6 093
trade
-
-
-
8 117
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.

-
-
-
1 105
total
-
-
-
35 398
Employee

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

34 113
-
93 000
-
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.

953
-
20 083
-
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.

6 093
-
6 093
-
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
-
1 105
-
total
7 098
-
27 281
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
58 887
93 000
-
-
chamber of commerce
220
269
-
-
income
8 833
13 950
-
-
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
767
-
-
trade
9 275
14 647
-
-
total
18 814
29 633
-
-
Dividends
40 074
63 368
-
-
withholding
9 679
15 503
-
-
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.

533
853
-
-
total
10 212
16 356
-
-
Income
93 000
93 000
93 000
93 000
Total tax
36 124
45 989
27 281
35 398
After tax
56 876
47 011
65 719
57 602
Living cost
27 014
27 014
27 014
27 014
Free-cash
29 862
19 997
38 705
30 588

Estimated living cost  is ₽27014 per week

₽16993
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3150
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽504
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.
₽6367
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
₽44713
₽44860
₽47405
₽42552
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
-
-
-
93 000
income
-
-
-
10 690
social contributions
-
-
-
14 430
health
-
-
-
2 371
total
-
-
-
27 491
Employee
68 581
68 581
84 431
-
income
7 467
6 349
10 627
-
social contributions
2 593
5 692
7 007
-
health
531
1 166
1 435
-
total
10 591
13 207
19 069
-
Employer
68 581
68 581
84 431
-
social contributions
2 593
5 692
7 007
-
health
577
1 269
1 562
-
total
3 170
6 961
8 569
-
Corporate
58 589
17 458
-
-
income
7 323
2 182
-
-
total
7 323
2 182
-
-
Dividends
51 265
15 276
-
-
withholding
8 715
2 596
-
-
total
8 715
2 596
-
-
Income
93 000
93 000
93 000
93 000
Total tax
29 799
24 946
27 638
27 491
After tax
63 201
68 054
65 362
65 509
Living cost
20 649
20 649
20 649
20 649
Free-cash
42 552
47 405
44 713
44 860

Estimated living cost  is ₽20649 per week

₽12376
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2026
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽457
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5792
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
₽18894
₽23852
₽24923
₽24026
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.

-
-
-
93 000
income
-
-
-
8 855
social contributions

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

-
-
-
32 318
surtax
-
-
-
-
total
-
-
-
41 173
Employee
41 019
-
75 151
-
income
8 532
-
20 016
-
social contributions
4 512
-
8 266
-
surtax
-
-
-
-
total
13 044
-
28 282
-
Employer
41 019
-
75 151
-
social contributions
9 742
-
17 849
-
total
9 742
-
17 849
-
Corporate
42 239
93 000
-
-
income
8 870
19 530
-
-
surtax
-
-
-
-
total
8 870
19 530
-
-
Dividends
33 368
73 470
-
-
withholding
9 343
20 572
-
-
total
9 343
20 572
-
-
Income
93 000
93 000
93 000
93 000
Total tax
40 999
40 102
46 131
41 173
After tax
52 001
52 898
46 869
51 827
Living cost
27 975
27 975
27 975
27 975
Free-cash
24 026
24 923
18 894
23 852

Estimated living cost  is ₽27975 per week

₽20931
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1650
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽467
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.
₽4927
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
₽68058
₽85728
₽82008
₽80819
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%.

-
-
-
93 000
microenterprise

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

-
-
-
930
total
-
-
-
930
Employee
7 927
-
93 000
-
income
1 585
-
18 600
-
total
1 585
-
18 600
-
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%.

85 073
93 000
-
-
total
-
-
-
-
Dividends
85 073
93 000
-
-
withholding
4 254
4 650
-
-
total
4 254
4 650
-
-
Income
93 000
93 000
93 000
93 000
Total tax
5 839
4 650
18 600
930
After tax
87 161
88 350
74 400
92 070
Living cost
6 342
6 342
6 342
6 342
Free-cash
80 819
82 008
68 058
85 728

Estimated living cost  is ₽6342 per week

₽3930
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽527
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽174
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.
₽1710
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
₽21361
₽24027
₽40109
₽32650
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.

-
-
-
93 000
income
-
-
-
18 778
health
-
-
-
9 150
unemployment
-
-
-
139
pensions
-
-
-
16 984
total
-
-
-
45 051
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.

39 439
-
80 469
-
income
6 801
-
17 402
-
health
2 547
-
5 199
-
unemployment
56
-
113
-
pensions
6 113
-
12 472
-
total
15 517
-
35 186
-
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.

39 439
-
80 469
-
unemployment
24
-
49
-
pensions
3 490
-
7 122
-
health
2 627
-
5 360
-
total
6 141
-
12 531
-
Corporate
47 421
93 000
-
-
income
9 009
17 670
-
-
total
9 009
17 670
-
-
Dividends
38 411
75 330
-
-
withholding
5 761
11 299
-
-
total
5 761
11 299
-
-
Income
93 000
93 000
93 000
93 000
Total tax
36 428
28 969
47 717
45 051
After tax
56 572
64 031
45 283
47 949
Living cost
23 922
23 922
23 922
23 922
Free-cash
32 650
40 109
21 361
24 027

Estimated living cost  is ₽23922 per week

₽16417
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1533
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽464
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.
₽5509
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
₽35985
₽29459
₽23363
₽26515
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.

-
-
-
93 000
income
-
-
-
25 388
health

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

-
-
-
5 778
total
-
-
-
31 166
Employee
40 914
-
88 897
-
social contributions
4 099
-
4 103
-
income
4 439
-
16 434
-
total
8 538
-
20 537
-
Employer
40 914
-
88 897
-
social contributions
4 099
-
4 103
-
total
4 099
-
4 103
-
Corporate
47 987
93 000
-
-
income
16 795
32 550
-
-
total
16 795
32 550
-
-
Dividends
31 192
60 450
-
-
social contributions
4 678
4 712
-
-
total
4 678
4 712
-
-
Income
93 000
93 000
93 000
93 000
Total tax
34 110
37 262
24 640
31 166
After tax
58 890
55 738
68 360
61 834
Living cost
32 375
32 375
32 375
32 375
Free-cash
26 515
23 363
35 985
29 459

Estimated living cost  is ₽32375 per week

₽21326
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2552
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.
₽8000
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
₽40778
₽40813
₽37827
₽38289
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
-
-
-
93 000
income
-
-
-
13 950
social contributions
-
-
-
12 834
health
-
-
-
6 491
total
-
-
-
33 275
Employee
30 240
-
93 000
-
income
5 044
-
13 985
-
social contributions
4 174
-
12 834
-
health
2 111
-
6 491
-
total
11 329
-
33 310
-
Employer
30 240
-
93 000
-
total
-
-
-
-
Corporate
62 760
93 000
-
-
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
4 649
-
-
total
3 138
4 649
-
-
Dividends
59 622
88 351
-
-
withholding
8 943
13 252
-
-
health
4 162
6 167
-
-
social contributions
8 227
12 193
-
-
total
21 332
31 612
-
-
Income
93 000
93 000
93 000
93 000
Total tax
35 799
36 261
33 310
33 275
After tax
57 201
56 739
59 690
59 725
Living cost
18 912
18 912
18 912
18 912
Free-cash
38 289
37 827
40 778
40 813

Estimated living cost  is ₽18912 per week

₽12657
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1166
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽435
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.
₽4653
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
₽22871
₽20972
₽39707
₽31029
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
-
-
-
93 000
income
-
-
-
7 993
social contributions
-
-
-
27 156
solidarity contribution
-
-
-
-
health
-
-
-
12 555
total
-
-
-
47 704
Employee
35 771
-
69 403
-
solidarity contribution
-
-
-
-
income
4 292
-
8 328
-
social contributions
2 325
-
4 511
-
health
4 829
-
9 369
-
total
11 446
-
22 208
-
Employer
35 771
-
69 403
-
social contributions
8 943
-
17 351
-
health
3 219
-
6 246
-
total
12 162
-
23 597
-
Corporate
45 067
93 000
-
-
income
8 563
17 670
-
-
total
8 563
17 670
-
-
Dividends
36 505
75 330
-
-
withholding
5 476
11 299
-
-
total
5 476
11 299
-
-
Income
93 000
93 000
93 000
93 000
Total tax
37 647
28 969
45 805
47 704
After tax
55 353
64 031
47 195
45 296
Living cost
24 324
24 324
24 324
24 324
Free-cash
31 029
39 707
22 871
20 972

Estimated living cost  is ₽24324 per week

₽18089
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1347
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.
₽4467
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
₽64517
₽82187
₽78467
₽76614
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%.

-
-
-
93 000
microenterprise

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

-
-
-
930
total
-
-
-
930
Employee
12 354
-
93 000
-
income
2 471
-
18 600
-
total
2 471
-
18 600
-
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%.

80 646
93 000
-
-
total
-
-
-
-
Dividends
80 646
93 000
-
-
withholding
4 032
4 650
-
-
total
4 032
4 650
-
-
Income
93 000
93 000
93 000
93 000
Total tax
6 503
4 650
18 600
930
After tax
86 497
88 350
74 400
92 070
Living cost
9 883
9 883
9 883
9 883
Free-cash
76 614
78 467
64 517
82 187

Estimated living cost  is ₽9883 per week

₽6688
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽415
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽331
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.
₽2449
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
₽15038
₽10368
₽3795
₽9927
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
-
-
-
93 000
income
-
-
-
9 396
social contributions
-
-
-
2 650
health
-
-
-
1 931
surtax
-
-
-
-
pensions
-
-
-
22 692
other
-
-
-
2 887
total
-
-
-
39 556
Employee
55 860
-
75 332
-
income
4 874
-
11 361
-
social contributions
1 591
-
2 148
-
surtax
-
-
-
-
pensions
6 318
-
3 707
-
total
12 783
-
17 216
-
Employer
55 860
-
75 332
-
unemployment
2 263
-
3 052
-
social contributions
168
-
227
-
pensions
9 178
-
6 517
-
other
1 928
-
2 600
-
health
3 910
-
5 274
-
total
17 447
-
17 670
-
Corporate
19 694
93 000
-
-
income
5 514
26 041
-
-
surtax
-
-
-
-
total
5 514
26 041
-
-
Dividends
14 180
66 959
-
-
withholding
1 814
8 571
-
-
surtax
-
-
-
-
social contributions
2 439
11 517
-
-
total
4 253
20 088
-
-
Income
93 000
93 000
93 000
93 000
Total tax
39 997
46 129
34 886
39 556
After tax
53 003
46 871
58 114
53 444
Living cost
43 076
43 076
43 076
43 076
Free-cash
9 927
3 795
15 038
10 368

Estimated living cost  is ₽43076 per week

₽29153
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3524
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽591
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.
₽9808
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
₽34319
₽34319
₽51817
₽47443
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.

-
-
-
93 000
income
-
-
-
18 467
health
-
-
-
6 768
unemployment
-
-
-
986
pensions
-
-
-
17 084
total
-
-
-
43 305
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.

23 186
-
81 238
-
income
3 196
-
18 467
-
health
1 194
-
3 384
-
unemployment
174
-
493
-
pensions
3 246
-
9 199
-
total
7 810
-
31 543
-
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.

23 186
-
81 238
-
unemployment
174
-
493
-
pensions
2 782
-
7 885
-
health
1 194
-
3 384
-
total
4 150
-
11 762
-
Corporate
65 663
93 000
-
-
income
9 849
13 950
-
-
total
9 849
13 950
-
-
Dividends
55 814
79 050
-
-
withholding
8 372
11 857
-
-
total
8 372
11 857
-
-
Income
93 000
93 000
93 000
93 000
Total tax
30 181
25 807
43 305
43 305
After tax
62 819
67 193
49 695
49 695
Living cost
15 376
15 376
15 376
15 376
Free-cash
47 443
51 817
34 319
34 319

Estimated living cost  is ₽15376 per week

₽10353
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1189
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽445
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.
₽3389
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
₽10249
₽14865
-₽19722
₽6912
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
-
-
-
93 000
regional
-
-
-
3 508
national
-
-
-
775
health
-
-
-
209
city
-
-
-
980
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.

-
-
-
1 859
pensions
-
-
-
8 555
total
-
-
-
15 886
Employee
72 848
-
83 241
-
regional
2 385
-
3 001
-
city
782
-
894
-
health
165
-
187
-
unemployment
-
-
-
-
national
345
-
585
-
pensions
6 120
-
6 992
-
total
9 797
-
11 659
-
Employer
72 848
-
83 241
-
unemployment
-
-
-
-
pensions
6 120
-
6 992
-
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.

1 456
-
1 664
-
health
165
-
187
-
total
7 741
-
8 843
-
Corporate
11 610
93 000
-
-
regional
2 456
19 670
-
-
national
986
7 904
-
-
total
3 442
27 574
-
-
Dividends
8 168
65 426
-
-
withholding
2 859
22 899
-
-
total
2 859
22 899
-
-
Income
93 000
93 000
93 000
93 000
Total tax
23 839
50 473
20 502
15 886
After tax
69 161
42 527
72 498
77 114
Living cost
62 249
62 249
62 249
62 249
Free-cash
6 912
-19 722
10 249
14 865

Estimated living cost  is ₽62249 per week

₽40480
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5586
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽764
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.
₽15419
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
₽18512
₽31370
₽27303
₽25757
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

-
-
-
93 000
municipal
-
-
-
16 549
national
-
-
-
9 779
health
-
-
-
1 060
total
-
-
-
27 388
Employee
46 923
-
78 238
-
health
350
-
833
-
unemployment
704
-
1 173
-
national
775
-
5 424
-
municipal
7 686
-
12 772
-
pensions
3 167
-
5 281
-
total
12 682
-
25 483
-
Employer
46 923
-
78 238
-
unemployment
305
-
508
-
pensions
8 141
-
13 574
-
accident
47
-
78
-
health
361
-
603
-
total
8 854
-
14 763
-
Corporate
37 223
93 000
-
-
income
7 445
18 601
-
-
total
7 445
18 601
-
-
Dividends

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

22 333
55 800
-
-
national
-
2 811
-
-
municipal
4 020
10 043
-
-
total
4 020
12 854
-
-
Income
93 000
93 000
93 000
93 000
Total tax
33 001
31 455
40 246
27 388
After tax
59 999
61 545
52 754
65 612
Living cost
34 242
34 242
34 242
34 242
Free-cash
25 757
27 303
18 512
31 370

Estimated living cost  is ₽34242 per week

₽22366
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3294
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽545
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8038
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
₽3509
₽10695
₽19626
₽6250
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
-
-
-
93 000
national
-
-
-
30 374
social contributions
-
-
-
14 715
communal

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

-
-
-
4 697
total
-
-
-
49 786
Employee

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

63 796
-
72 032
-
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.

2 997
-
3 385
-
communal

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

3 327
-
3 757
-
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.

555
-
626
-
national
19 614
-
22 834
-
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.

4 785
-
5 402
-
total
31 278
-
36 004
-
Employer

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

63 796
-
72 032
-
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.

931
-
1 051
-
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.

5 653
-
6 382
-
surtax
7 234
-
8 168
-
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.

829
-
938
-
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.

3 923
-
4 429
-
total
18 570
-
20 968
-
Corporate
10 633
93 000
-
-
income
2 127
18 601
-
-
surtax
42
372
-
-
total
2 169
18 973
-
-
Dividends
8 464
74 027
-
-
withholding

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

2 214
21 882
-
-
total
2 214
21 882
-
-
Income
93 000
93 000
93 000
93 000
Total tax
54 231
40 855
56 972
49 786
After tax
38 769
52 145
36 028
43 214
Living cost
32 519
32 519
32 519
32 519
Free-cash
6 250
19 626
3 509
10 695

Estimated living cost  is ₽32519 per week

₽20946
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2843
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽509
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.
₽8220
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
₽13514
₽13010
₽14628
₽13816
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
-
-
-
93 000
municipal
-
-
-
20 888
national
-
-
-
-
health
-
-
-
4 944
accident
-
-
-
158
unemployment
-
-
-
79
pensions
-
-
-
8 565
other
-
-
-
9 206
total
-
-
-
43 840
Employee
51 511
-
70 765
-
national
-
-
-
-
municipal
15 361
-
21 102
-
total
15 361
-
21 102
-
Employer
51 511
-
70 765
-
unemployment
1 360
-
1 868
-
pensions
5 568
-
7 650
-
other
5 986
-
8 223
-
accident
103
-
141
-
health
3 168
-
4 352
-
total
16 185
-
22 234
-
Corporate
25 304
93 000
-
-
income
5 567
20 460
-
-
total
5 567
20 460
-
-
Dividends
19 737
72 540
-
-
withholding
5 921
21 762
-
-
total
5 921
21 762
-
-
Income
93 000
93 000
93 000
93 000
Total tax
43 034
42 222
43 336
43 840
After tax
49 966
50 778
49 664
49 160
Living cost
36 150
36 150
36 150
36 150
Free-cash
13 816
14 628
13 514
13 010

Estimated living cost  is ₽36150 per week

₽23959
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3547
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽549
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.
₽8095
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
₽42394
₽25488
₽17799
-₽41014
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
-
-
-
93 000
income
-
-
-
18 128
social contributions
-
-
-
10 602
total
-
-
-
28 730
Employee
55 607
-
-
-
income
12 266
-
-
-
social contributions
4 560
-
650
-
total
16 826
-
650
-
Employer
55 607
-
-
-
social contributions
78 406
-
11 174
-
total
78 406
-
11 174
-
Corporate
-
93 000
-
-
income
-
20 460
-
-
total
-
20 460
-
-
Dividends
-
72 540
-
-
income
-
15 959
-
-
total
-
15 959
-
-
Income
93 000
93 000
93 000
93 000
Total tax
95 232
36 419
11 824
28 730
After tax
-2 232
56 581
81 176
64 270
Living cost
38 782
38 782
38 782
38 782
Free-cash
-41 014
17 799
42 394
25 488

Estimated living cost  is ₽38782 per week

₽25163
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3647
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.
₽9477
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
₽36434
₽36581
₽39126
₽35425
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
-
-
-
93 000
income
-
-
-
10 690
social contributions
-
-
-
14 430
health
-
-
-
2 371
total
-
-
-
27 491
Employee
68 581
68 581
84 431
-
income
7 202
6 349
10 627
-
social contributions
3 333
5 692
7 007
-
health
682
1 166
1 435
-
total
11 217
13 207
19 069
-
Employer
68 581
68 581
84 431
-
social contributions
3 333
5 692
7 007
-
health
743
1 269
1 562
-
total
4 076
6 961
8 569
-
Corporate
48 780
17 458
-
-
income
6 098
2 182
-
-
total
6 098
2 182
-
-
Dividends
42 682
15 276
-
-
withholding
7 256
2 596
-
-
total
7 256
2 596
-
-
Income
93 000
93 000
93 000
93 000
Total tax
28 647
24 946
27 638
27 491
After tax
64 353
68 054
65 362
65 509
Living cost
28 928
28 928
28 928
28 928
Free-cash
35 425
39 126
36 434
36 581

Estimated living cost  is ₽28928 per week

₽19775
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2259
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽486
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6408
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
₽25718
₽34037
₽35176
₽32735
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
-
-
-
93 000
income
-
-
-
20 304
pensions
-
-
-
6 586
total
-
-
-
26 890
Employee
44 025
-
81 788
-
income
8 017
-
14 757
-
health
574
-
1 348
-
pensions
3 360
-
7 892
-
total
11 951
-
23 997
-
Employer
44 025
-
81 788
-
pensions
4 448
-
9 658
-
health
837
-
1 554
-
total
5 285
-
11 212
-
Corporate
43 690
93 000
-
-
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.

8 301
17 670
-
-
total
8 301
17 670
-
-
Dividends
35 390
75 330
-
-
withholding
2 655
8 081
-
-
total
2 655
8 081
-
-
Income
93 000
93 000
93 000
93 000
Total tax
28 192
25 751
35 209
26 890
After tax
64 808
67 249
57 791
66 110
Living cost
32 073
32 073
32 073
32 073
Free-cash
32 735
35 176
25 718
34 037

Estimated living cost  is ₽32073 per week

₽22002
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2949
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽401
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.
₽6718
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
₽6761
₽11014
₽13455
₽9399
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
-
-
-
93 000
municipal
-
-
-
621
regional
-
-
-
1 893
national
-
-
-
20 022
social contributions
-
-
-
23 920
total
-
-
-
46 456
Employee
75 155
-
93 000
-
regional
1 135
-
1 600
-
social contributions
25 342
-
31 360
-
national
12 701
-
17 194
-
municipal
449
-
555
-
total
39 627
-
50 709
-
Employer
75 155
-
93 000
-
total
-
-
-
-
Corporate
17 845
93 000
-
-
nationa
4 282
22 321
-
-
municipal
860
4 483
-
-
total
5 142
26 804
-
-
Dividends
12 703
66 196
-
-
withholding
3 302
17 211
-
-
total
3 302
17 211
-
-
Income
93 000
93 000
93 000
93 000
Total tax
48 071
44 015
50 709
46 456
After tax
44 929
48 985
42 291
46 544
Living cost
35 530
35 530
35 530
35 530
Free-cash
9 399
13 455
6 761
11 014

Estimated living cost  is ₽35530 per week

₽24958
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2444
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽537
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.
₽7591
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
₽29944
₽45172
-₽11072
₽4678
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
-
-
-
93 000
income
-
-
-
23 333
health
-
-
-
1 844
accident
-
-
-
214
pensions
-
-
-
3 519
other
-
-
-
313
total
-
-
-
29 223
Employee
29 267
-
80 371
-
income
4 015
-
16 168
-
health
3 351
-
9 203
-
pensions
3 296
-
6 452
-
total
10 662
-
31 823
-
Employer
29 267
-
80 371
-
unemployment
717
-
1 969
-
pensions
4 759
-
9 317
-
accident
489
-
1 342
-
total
5 965
-
12 628
-
Corporate
57 769
93 000
-
-
income

From 1 January 2017, a lowered corporate income tax rate of 9% was introduced for so-called 'small taxpayers' - entities with turnover not exceeding the equivalent of €1.2 million and for taxpayers starting business activity, during their previous tax year.

51 992
83 700
-
-
total
51 992
83 700
-
-
Dividends
5 777
9 300
-
-
withholding
1 098
1 767
-
-
total
1 098
1 767
-
-
Income
93 000
93 000
93 000
93 000
Total tax
69 717
85 467
44 451
29 223
After tax
23 283
7 533
48 549
63 777
Living cost
18 605
18 605
18 605
18 605
Free-cash
4 678
-11 072
29 944
45 172

Estimated living cost  is ₽18605 per week

₽13636
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1031
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽388
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.
₽3550
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
₽31286
₽23891
₽13535
₽25204
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.

-
-
-
93 000
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.

-
-
-
20 083
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.

-
-
-
6 093
trade
-
-
-
7 395
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.

-
-
-
1 105
total
-
-
-
34 676
Employee

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

44 376
-
93 000
-
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.

3 649
-
20 083
-
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.

6 093
-
6 093
-
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.

201
-
1 105
-
total
9 943
-
27 281
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
48 624
93 000
-
-
chamber of commerce
206
272
-
-
income
7 293
13 950
-
-
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.

401
767
-
-
trade
6 978
13 345
-
-
total
14 878
28 334
-
-
Dividends
33 745
64 666
-
-
withholding
8 097
15 828
-
-
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.

445
870
-
-
total
8 542
16 698
-
-
Income
93 000
93 000
93 000
93 000
Total tax
33 363
45 032
27 281
34 676
After tax
59 637
47 968
65 719
58 324
Living cost
34 433
34 433
34 433
34 433
Free-cash
25 204
13 535
31 286
23 891

Estimated living cost  is ₽34433 per week

₽23753
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3705
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽499
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6476
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
₽33822
₽31048
₽55844
₽48530
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.

-
-
-
93 000
microenterprise
-
-
-
-
income
-
-
-
13 497
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.

-
-
-
29 900
surtax
-
-
-
-
total
-
-
-
43 397
Employee
26 061
-
74 946
-
income
4 639
-
14 325
-
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.

2 867
-
8 244
-
surtax
-
-
-
-
total
7 506
-
22 569
-
Employer
26 061
-
74 946
-
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.

6 277
-
18 054
-
surtax
-
-
-
-
total
6 277
-
18 054
-
Corporate
60 661
93 000
-
-
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%.

12 132
18 601
-
-
total
12 132
18 601
-
-
Dividends

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

48 530
74 399
-
-
total
-
-
-
-
Income
93 000
93 000
93 000
93 000
Total tax
25 915
18 601
40 623
43 397
After tax
67 085
74 399
52 377
49 603
Living cost
18 555
18 555
18 555
18 555
Free-cash
48 530
55 844
33 822
31 048

Estimated living cost  is ₽18555 per week

₽11837
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1767
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.
₽4529
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
₽41041
₽41873
₽46328
₽44406
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
-
-
-
93 000
income
-
-
-
24 697
health
-
-
-
6 189
pensions
-
-
-
8 537
total
-
-
-
39 423
Employee
17 826
-
83 396
-
income
3 448
-
24 248
-
health
891
-
2 134
-
unemployment
178
-
427
-
pensions
1 604
-
3 842
-
total
6 121
-
30 651
-
Employer
17 826
-
83 396
-
unemployment
357
-
854
-
pensions
1 961
-
4 695
-
health
1 694
-
4 055
-
total
4 012
-
9 604
-
Corporate
71 163
93 000
-
-
income
15 656
20 460
-
-
total
15 656
20 460
-
-
Dividends
55 507
72 540
-
-
withholding
11 101
14 508
-
-
total
11 101
14 508
-
-
Income
93 000
93 000
93 000
93 000
Total tax
36 890
34 968
40 255
39 423
After tax
56 110
58 032
52 745
53 577
Living cost
11 704
11 704
11 704
11 704
Free-cash
44 406
46 328
41 041
41 873

Estimated living cost  is ₽11704 per week

₽6955
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽949
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽268
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.
₽3532
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
₽25615
₽27422
₽38463
₽35627
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
-
-
-
93 000
income
-
-
-
17 902
health
-
-
-
6 602
unemployment
-
-
-
203
surtax
-
-
-
2 237
pensions
-
-
-
18 601
other
-
-
-
-
total
-
-
-
45 545
Employee
30 035
-
76 828
-
other
-
-
-
-
income
5 035
-
16 719
-
health
767
-
1 960
-
unemployment
2 090
-
5 347
-
surtax
107
-
2 029
-
pensions
2 004
-
5 125
-
total
10 003
-
31 180
-
Employer
30 035
-
76 828
-
unemployment
953
-
2 436
-
pensions
4 004
-
10 241
-
other
-
-
-
-
health
1 366
-
3 495
-
total
6 323
-
16 172
-
Corporate
56 642
93 000
-
-
income
14 726
24 181
-
-
total
14 726
24 181
-
-
Dividends
41 915
68 819
-
-
withholding
6 288
10 323
-
-
total
6 288
10 323
-
-
Income
93 000
93 000
93 000
93 000
Total tax
37 340
34 504
47 352
45 545
After tax
55 660
58 496
45 648
47 455
Living cost
20 033
20 033
20 033
20 033
Free-cash
35 627
38 463
25 615
27 422

Estimated living cost  is ₽20033 per week

₽12095
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1742
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽465
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.
₽5733
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
-₽699
₽18499
₽23713
₽23268
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
-
-
-
93 000
income
-
-
-
15 886
chamber of commerce
-
-
-
372
health
-