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
₽ 94500
per

Your estimated
City
free-cash

Valencia , Spain
₽25410
₽27393
₽39676
₽35101
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
-
-
-
94 500
income
-
-
-
18 879
accident
-
-
-
728
unemployment
-
-
-
566
pensions
-
-
-
22 873
other
-
-
-
81
total
-
-
-
43 127
Employee
32 244
-
71 655
-
other
31
-
71
-
income
6 216
-
17 716
-
unemployment
500
-
1 110
-
pensions
1 516
-
3 368
-
total
8 263
-
22 265
-
Employer
32 244
-
71 655
-
unemployment
1 774
-
3 942
-
pensions
7 609
-
16 911
-
other
258
-
574
-
accident
639
-
1 418
-
total
10 280
-
22 845
-
Corporate
51 976
94 500
-
-
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.

7 796
14 175
-
-
total
7 796
14 175
-
-
Dividends
44 180
80 325
-
-
withholding
9 080
16 669
-
-
total
9 080
16 669
-
-
Income
94 500
94 500
94 500
94 500
Total tax
35 419
30 844
45 110
43 127
After tax
59 081
63 656
49 390
51 373
Living cost
23 980
23 980
23 980
23 980
Free-cash
35 101
39 676
25 410
27 393

Estimated living cost  is ₽23980 per week

₽16186
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2305
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽420
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.
₽5069
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
₽31743
₽27833
₽46193
₽40305
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
-
-
-
94 500
income
-
-
-
12 103
health
-
-
-
4 159
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.

-
-
-
22 679
other
-
-
-
4 490
total
-
-
-
43 431
Employee
31 662
-
75 478
-
income
5 451
-
13 406
-
health
443
-
1 057
-
unemployment
316
-
755
-
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.

2 216
-
5 282
-
total
8 426
-
20 500
-
Employer
31 662
-
75 478
-
unemployment
316
-
755
-
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.

5 383
-
12 830
-
other
1 584
-
3 775
-
accident
253
-
604
-
health
443
-
1 057
-
total
7 979
-
19 021
-
Corporate
54 858
94 500
-
-
income
11 521
19 845
-
-
total
11 521
19 845
-
-
Dividends
43 337
74 655
-
-
withholding
3 033
5 226
-
-
total
3 033
5 226
-
-
Income
94 500
94 500
94 500
94 500
Total tax
30 959
25 071
39 521
43 431
After tax
63 541
69 429
54 979
51 069
Living cost
23 236
23 236
23 236
23 236
Free-cash
40 305
46 193
31 743
27 833

Estimated living cost  is ₽23236 per week

₽16418
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1569
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽374
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.
₽4875
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
₽63774
₽60710
₽69335
₽65274
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
-
-
-
94 500
income
-
-
-
14 175
health
-
-
-
3 512
unemployment
-
-
-
122
pensions

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

-
-
-
4 519
total
-
-
-
22 328
Employee
15 177
-
88 509
-
income
1 517
-
8 851
-
health
698
-
1 405
-
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.

1 333
-
2 681
-
total
3 715
-
13 273
-
Employer
15 177
-
88 509
-
unemployment
91
-
183
-
pensions

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

1 673
-
3 365
-
accident

We are using the highest rate at 1.1%.

167
-
336
-
health
1 048
-
2 107
-
total
2 979
-
5 991
-
Corporate
76 345
94 500
-
-
income
7 635
9 450
-
-
total
7 635
9 450
-
-
Dividends
68 710
85 050
-
-
withholding
3 435
4 253
-
-
total
3 435
4 253
-
-
Income
94 500
94 500
94 500
94 500
Total tax
17 764
13 703
19 264
22 328
After tax
76 736
80 797
75 236
72 172
Living cost
11 462
11 462
11 462
11 462
Free-cash
65 274
69 335
63 774
60 710

Estimated living cost  is ₽11462 per week

₽6691
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.
₽3648
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
₽28622
₽24376
₽17790
₽22945
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
-
-
-
94 500
income
-
-
-
10 033
social contributions
-
-
-
2 694
health
-
-
-
2 150
surtax
-
-
-
-
pensions
-
-
-
22 483
other
-
-
-
2 929
total
-
-
-
40 289
Employee
37 321
-
76 340
-
income
2 203
-
11 813
-
social contributions
1 064
-
2 176
-
surtax
-
-
-
-
pensions
4 220
-
3 897
-
total
7 487
-
17 886
-
Employer
37 321
-
76 340
-
unemployment
1 511
-
3 091
-
social contributions
113
-
228
-
pensions
6 131
-
6 812
-
other
1 287
-
2 634
-
health
2 613
-
5 392
-
total
11 655
-
18 157
-
Corporate
45 524
94 500
-
-
income
12 747
26 461
-
-
surtax
-
-
-
-
total
12 747
26 461
-
-
Dividends
32 777
68 039
-
-
withholding
4 195
8 709
-
-
surtax
-
-
-
-
social contributions
5 636
11 705
-
-
total
9 831
20 414
-
-
Income
94 500
94 500
94 500
94 500
Total tax
41 720
46 875
36 043
40 289
After tax
52 780
47 625
58 457
54 211
Living cost
29 835
29 835
29 835
29 835
Free-cash
22 945
17 790
28 622
24 376

Estimated living cost  is ₽29835 per week

₽18812
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2426
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽508
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.
₽8090
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
₽11424
₽17179
₽9377
₽4033
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
-
-
-
94 500
income
-
-
-
19 821
health
-
-
-
10 753
pensions
-
-
-
10 217
total
-
-
-
40 791
Employee
74 467
74 467
80 417
-
income

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

12 189
12 189
12 189
-
health
11 430
9 722
10 061
-
pensions
13 404
10 217
10 217
-
total
37 023
32 128
32 467
-
Employer
74 467
74 467
80 417
-
unemployment
2 681
2 681
2 894
-
pensions
5 183
5 183
5 597
-
health
5 176
5 176
5 588
-
total
13 040
13 040
14 079
-
Corporate
7 906
6 993
-
-
income
1 582
1 398
-
-
total
1 582
1 398
-
-
Dividends
6 324
5 594
-
-
withholding
948
839
-
-
income
1 344
1 188
-
-
total
2 292
2 027
-
-
Income
94 500
94 500
94 500
94 500
Total tax
53 937
48 593
46 546
40 791
After tax
40 563
45 907
47 954
53 709
Living cost
36 530
36 530
36 530
36 530
Free-cash
4 033
9 377
11 424
17 179

Estimated living cost  is ₽36530 per week

₽25888
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3293
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.
₽6768
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
₽39889
₽31391
₽21347
₽30991
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.

-
-
-
94 500
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.

-
-
-
21 081
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.

-
-
-
5 957
trade
-
-
-
8 498
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.

-
-
-
1 160
total
-
-
-
36 696
Employee

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

33 353
-
94 500
-
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.

932
-
21 081
-
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.

5 957
-
5 957
-
surtax

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

51
-
1 160
-
total
6 940
-
28 198
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
61 147
94 500
-
-
chamber of commerce
220
268
-
-
income
9 173
14 175
-
-
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.

505
779
-
-
trade
9 631
14 884
-
-
total
19 529
30 106
-
-
Dividends
41 618
64 394
-
-
withholding
10 073
15 767
-
-
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.

554
867
-
-
total
10 627
16 634
-
-
Income
94 500
94 500
94 500
94 500
Total tax
37 096
46 740
28 198
36 696
After tax
57 404
47 760
66 302
57 804
Living cost
26 413
26 413
26 413
26 413
Free-cash
30 991
21 347
39 889
31 391

Estimated living cost  is ₽26413 per week

₽16614
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3080
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽493
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.
₽6225
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
₽45757
₽46296
₽48942
₽44196
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
-
-
-
94 500
income
-
-
-
11 496
social contributions
-
-
-
14 109
health
-
-
-
2 409
total
-
-
-
28 014
Employee
67 055
67 055
85 792
-
income
7 301
6 207
11 266
-
social contributions
2 535
5 565
7 121
-
health
520
1 140
1 458
-
total
10 356
12 912
19 845
-
Employer
67 055
67 055
85 792
-
social contributions
2 535
5 565
7 121
-
health
564
1 241
1 587
-
total
3 099
6 806
8 708
-
Corporate
60 855
20 639
-
-
income
7 607
2 580
-
-
total
7 607
2 580
-
-
Dividends
53 248
18 059
-
-
withholding
9 052
3 070
-
-
total
9 052
3 070
-
-
Income
94 500
94 500
94 500
94 500
Total tax
30 114
25 368
28 553
28 014
After tax
64 386
69 132
65 947
66 486
Living cost
20 190
20 190
20 190
20 190
Free-cash
44 196
48 942
45 757
46 296

Estimated living cost  is ₽20190 per week

₽12100
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1981
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽447
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.
₽5663
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
₽19884
₽25148
₽26398
₽25521
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.

-
-
-
94 500
income
-
-
-
9 161
social contributions

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

-
-
-
32 838
surtax
-
-
-
-
total
-
-
-
41 999
Employee
40 106
-
76 363
-
income
8 342
-
20 726
-
social contributions
4 412
-
8 400
-
surtax
-
-
-
-
total
12 754
-
29 126
-
Employer
40 106
-
76 363
-
social contributions
9 525
-
18 137
-
total
9 525
-
18 137
-
Corporate
44 868
94 500
-
-
income
9 423
19 845
-
-
surtax
-
-
-
-
total
9 423
19 845
-
-
Dividends
35 446
74 655
-
-
withholding
9 924
20 904
-
-
total
9 924
20 904
-
-
Income
94 500
94 500
94 500
94 500
Total tax
41 626
40 749
47 263
41 999
After tax
52 874
53 751
47 237
52 501
Living cost
27 353
27 353
27 353
27 353
Free-cash
25 521
26 398
19 884
25 148

Estimated living cost  is ₽27353 per week

₽20465
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1613
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.
₽4817
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
₽69319
₽87274
₽83494
₽82316
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%.

-
-
-
94 500
microenterprise

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

-
-
-
945
total
-
-
-
945
Employee
7 851
-
94 500
-
income
1 570
-
18 900
-
total
1 570
-
18 900
-
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%.

86 649
94 500
-
-
total
-
-
-
-
Dividends
86 649
94 500
-
-
withholding
4 333
4 725
-
-
total
4 333
4 725
-
-
Income
94 500
94 500
94 500
94 500
Total tax
5 903
4 725
18 900
945
After tax
88 597
89 775
75 600
93 555
Living cost
6 281
6 281
6 281
6 281
Free-cash
82 316
83 494
69 319
87 274

Estimated living cost  is ₽6281 per week

₽3893
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.
₽1694
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
₽22475
₽25181
₽41674
₽34380
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.

-
-
-
94 500
income
-
-
-
19 229
health
-
-
-
9 300
unemployment
-
-
-
142
pensions
-
-
-
17 258
total
-
-
-
45 929
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.

38 561
-
81 769
-
income
6 650
-
17 834
-
health
2 491
-
5 282
-
unemployment
55
-
114
-
pensions
5 977
-
12 674
-
total
15 173
-
35 904
-
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.

38 561
-
81 769
-
unemployment
23
-
50
-
pensions
3 412
-
7 237
-
health
2 568
-
5 444
-
total
6 003
-
12 731
-
Corporate
49 935
94 500
-
-
income
9 487
17 955
-
-
total
9 487
17 955
-
-
Dividends
40 448
76 545
-
-
withholding
6 067
11 481
-
-
total
6 067
11 481
-
-
Income
94 500
94 500
94 500
94 500
Total tax
36 730
29 436
48 635
45 929
After tax
57 770
65 064
45 865
48 571
Living cost
23 390
23 390
23 390
23 390
Free-cash
34 380
41 674
22 475
25 181

Estimated living cost  is ₽23390 per week

₽16052
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1499
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽453
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5386
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
₽37863
₽32317
₽25163
₽28211
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.

-
-
-
94 500
income
-
-
-
24 822
health

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

-
-
-
5 706
total
-
-
-
30 528
Employee
40 003
-
90 489
-
social contributions
4 008
-
4 011
-
income
4 341
-
16 960
-
total
8 349
-
20 971
-
Employer
40 003
-
90 489
-
social contributions
4 008
-
4 011
-
total
4 008
-
4 011
-
Corporate
50 489
94 500
-
-
income
17 670
33 075
-
-
total
17 670
33 075
-
-
Dividends
32 818
61 425
-
-
social contributions
4 607
4 607
-
-
total
4 607
4 607
-
-
Income
94 500
94 500
94 500
94 500
Total tax
34 634
37 682
24 982
30 528
After tax
59 866
56 818
69 518
63 972
Living cost
31 655
31 655
31 655
31 655
Free-cash
28 211
25 163
37 863
32 317

Estimated living cost  is ₽31655 per week

₽20851
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2495
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽485
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.
₽7822
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
₽41984
₽42196
₽39160
₽39616
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
-
-
-
94 500
income
-
-
-
14 175
social contributions
-
-
-
13 042
health
-
-
-
6 596
total
-
-
-
33 813
Employee
29 567
-
94 500
-
income
4 931
-
14 387
-
social contributions
4 081
-
13 042
-
health
2 064
-
6 596
-
total
11 076
-
34 025
-
Employer
29 567
-
94 500
-
total
-
-
-
-
Corporate
64 933
94 500
-
-
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%.

3 247
4 725
-
-
total
3 247
4 725
-
-
Dividends
61 686
89 775
-
-
withholding
9 252
13 467
-
-
health
4 306
6 267
-
-
social contributions
8 512
12 390
-
-
total
22 070
32 124
-
-
Income
94 500
94 500
94 500
94 500
Total tax
36 393
36 849
34 025
33 813
After tax
58 107
57 651
60 475
60 687
Living cost
18 491
18 491
18 491
18 491
Free-cash
39 616
39 160
41 984
42 196

Estimated living cost  is ₽18491 per week

₽12375
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1140
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽425
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.
₽4549
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
₽24376
₽22500
₽41485
₽33073
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
-
-
-
94 500
income
-
-
-
8 131
social contributions
-
-
-
27 533
solidarity contribution
-
-
-
-
health
-
-
-
12 758
total
-
-
-
48 422
Employee
34 673
-
70 522
-
solidarity contribution
-
-
-
-
income
4 161
-
8 463
-
social contributions
2 254
-
4 584
-
health
4 681
-
9 521
-
total
11 096
-
22 568
-
Employer
34 673
-
70 522
-
social contributions
8 668
-
17 631
-
health
3 121
-
6 347
-
total
11 789
-
23 978
-
Corporate
48 038
94 500
-
-
income
9 127
17 955
-
-
total
9 127
17 955
-
-
Dividends
38 911
76 545
-
-
withholding
5 837
11 482
-
-
total
5 837
11 482
-
-
Income
94 500
94 500
94 500
94 500
Total tax
37 849
29 437
46 546
48 422
After tax
56 651
65 063
47 954
46 078
Living cost
23 578
23 578
23 578
23 578
Free-cash
33 073
41 485
24 376
22 500

Estimated living cost  is ₽23578 per week

₽17534
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1306
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽408
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.
₽4330
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
₽65812
₽83767
₽79987
₽78152
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%.

-
-
-
94 500
microenterprise

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

-
-
-
945
total
-
-
-
945
Employee
12 236
-
94 500
-
income
2 447
-
18 900
-
total
2 447
-
18 900
-
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%.

82 264
94 500
-
-
total
-
-
-
-
Dividends
82 264
94 500
-
-
withholding
4 113
4 725
-
-
total
4 113
4 725
-
-
Income
94 500
94 500
94 500
94 500
Total tax
6 560
4 725
18 900
945
After tax
87 940
89 775
75 600
93 555
Living cost
9 788
9 788
9 788
9 788
Free-cash
78 152
79 987
65 812
83 767

Estimated living cost  is ₽9788 per week

₽6624
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.
₽2425
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
₽16339
₽12093
₽5507
₽11503
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
-
-
-
94 500
income
-
-
-
10 033
social contributions
-
-
-
2 694
health
-
-
-
2 150
surtax
-
-
-
-
pensions
-
-
-
22 483
other
-
-
-
2 929
total
-
-
-
40 289
Employee
54 617
-
76 340
-
income
4 765
-
11 813
-
social contributions
1 556
-
2 176
-
surtax
-
-
-
-
pensions
6 177
-
3 897
-
total
12 498
-
17 886
-
Employer
54 617
-
76 340
-
unemployment
2 213
-
3 091
-
social contributions
164
-
228
-
pensions
8 974
-
6 812
-
other
1 885
-
2 634
-
health
3 823
-
5 392
-
total
17 059
-
18 157
-
Corporate
22 825
94 500
-
-
income
6 391
26 461
-
-
surtax
-
-
-
-
total
6 391
26 461
-
-
Dividends
16 435
68 039
-
-
withholding
2 103
8 709
-
-
surtax
-
-
-
-
social contributions
2 828
11 705
-
-
total
4 931
20 414
-
-
Income
94 500
94 500
94 500
94 500
Total tax
40 879
46 875
36 043
40 289
After tax
53 621
47 625
58 457
54 211
Living cost
42 118
42 118
42 118
42 118
Free-cash
11 503
5 507
16 339
12 093

Estimated living cost  is ₽42118 per week

₽28504
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3445
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽578
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.
₽9590
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
₽35871
₽35869
₽53239
₽48960
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.

-
-
-
94 500
income
-
-
-
19 303
health
-
-
-
6 619
unemployment
-
-
-
964
pensions
-
-
-
16 708
total
-
-
-
43 594
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.

22 675
-
82 997
-
income
3 126
-
19 303
-
health
1 168
-
3 309
-
unemployment
170
-
482
-
pensions
3 175
-
8 996
-
total
7 639
-
32 090
-
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.

22 675
-
82 997
-
unemployment
170
-
482
-
pensions
2 721
-
7 711
-
health
1 168
-
3 309
-
total
4 059
-
11 502
-
Corporate
67 766
94 500
-
-
income
10 165
14 175
-
-
total
10 165
14 175
-
-
Dividends
57 601
80 325
-
-
withholding
8 640
12 049
-
-
total
8 640
12 049
-
-
Income
94 500
94 500
94 500
94 500
Total tax
30 503
26 224
43 592
43 594
After tax
63 997
68 276
50 908
50 906
Living cost
15 037
15 037
15 037
15 037
Free-cash
48 960
53 239
35 871
35 869

Estimated living cost  is ₽15037 per week

₽10125
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1163
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.
₽3314
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
₽12563
₽17252
-₽17757
₽8330
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
-
-
-
94 500
regional
-
-
-
3 647
national
-
-
-
839
health
-
-
-
213
city
-
-
-
996
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.

-
-
-
1 890
pensions
-
-
-
8 694
total
-
-
-
16 279
Employee
71 350
-
84 581
-
regional
2 336
-
3 132
-
city
766
-
908
-
health
161
-
191
-
unemployment
-
-
-
-
national
338
-
645
-
pensions
5 994
-
7 105
-
total
9 595
-
11 981
-
Employer
71 350
-
84 581
-
unemployment
-
-
-
-
pensions
5 994
-
7 105
-
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.

1 427
-
1 691
-
health
161
-
191
-
total
7 582
-
8 987
-
Corporate
14 784
94 500
-
-
regional
3 127
19 987
-
-
national
1 256
8 033
-
-
total
4 383
28 020
-
-
Dividends
10 401
66 479
-
-
withholding
3 641
23 268
-
-
total
3 641
23 268
-
-
Income
94 500
94 500
94 500
94 500
Total tax
25 201
51 288
20 968
16 279
After tax
69 299
43 212
73 532
78 221
Living cost
60 969
60 969
60 969
60 969
Free-cash
8 330
-17 757
12 563
17 252

Estimated living cost  is ₽60969 per week

₽39647
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5471
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽749
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.
₽15102
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
₽19851
₽32809
₽28798
₽27656
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

-
-
-
94 500
municipal
-
-
-
16 813
national
-
-
-
10 308
health
-
-
-
1 091
total
-
-
-
28 212
Employee
45 879
-
79 499
-
health
343
-
861
-
unemployment
688
-
1 193
-
national
758
-
5 775
-
municipal
7 515
-
12 974
-
pensions
3 096
-
5 367
-
total
12 400
-
26 170
-
Employer
45 879
-
79 499
-
unemployment
298
-
516
-
pensions
7 960
-
13 793
-
accident
46
-
79
-
health
352
-
612
-
total
8 656
-
15 000
-
Corporate
39 965
94 500
-
-
income
7 993
18 900
-
-
total
7 993
18 900
-
-
Dividends

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

23 979
56 700
-
-
national
-
3 118
-
-
municipal
4 316
10 205
-
-
total
4 316
13 323
-
-
Income
94 500
94 500
94 500
94 500
Total tax
33 365
32 223
41 170
28 212
After tax
61 135
62 277
53 330
66 288
Living cost
33 479
33 479
33 479
33 479
Free-cash
27 656
28 798
19 851
32 809

Estimated living cost  is ₽33479 per week

₽21869
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3220
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽533
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.
₽7859
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
₽4606
₽11698
₽21179
₽8100
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
-
-
-
94 500
national
-
-
-
31 107
social contributions
-
-
-
15 137
communal

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

-
-
-
4 763
total
-
-
-
51 007
Employee

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

62 376
-
73 192
-
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.

2 931
-
3 440
-
communal

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

3 253
-
3 818
-
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.

543
-
637
-
national
19 177
-
23 407
-
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.

4 678
-
5 489
-
total
30 582
-
36 791
-
Employer

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

62 376
-
73 192
-
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.

910
-
1 069
-
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.

5 527
-
6 485
-
surtax
7 073
-
8 301
-
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.

811
-
952
-
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.

3 836
-
4 501
-
total
18 157
-
21 308
-
Corporate
13 967
94 500
-
-
income
2 793
18 900
-
-
surtax
56
377
-
-
total
2 849
19 277
-
-
Dividends
11 117
75 223
-
-
withholding

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

3 017
22 249
-
-
total
3 017
22 249
-
-
Income
94 500
94 500
94 500
94 500
Total tax
54 605
41 526
58 099
51 007
After tax
39 895
52 974
36 401
43 493
Living cost
31 795
31 795
31 795
31 795
Free-cash
8 100
21 179
4 606
11 698

Estimated living cost  is ₽31795 per week

₽20480
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2780
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽498
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
Stockholm , Sweden
₽14732
₽14665
₽15865
₽15064
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
-
-
-
94 500
municipal
-
-
-
21 415
national
-
-
-
-
health
-
-
-
4 887
accident
-
-
-
157
unemployment
-
-
-
78
pensions
-
-
-
8 466
other
-
-
-
9 100
total
-
-
-
44 103
Employee
50 915
-
71 907
-
national
-
-
-
-
municipal
15 183
-
21 443
-
total
15 183
-
21 443
-
Employer
50 915
-
71 907
-
unemployment
1 344
-
1 898
-
pensions
5 504
-
7 773
-
other
5 916
-
8 356
-
accident
102
-
144
-
health
3 131
-
4 422
-
total
15 997
-
22 593
-
Corporate
27 587
94 500
-
-
income
6 069
20 790
-
-
total
6 069
20 790
-
-
Dividends
21 518
73 710
-
-
withholding
6 455
22 113
-
-
total
6 455
22 113
-
-
Income
94 500
94 500
94 500
94 500
Total tax
43 704
42 903
44 036
44 103
After tax
50 796
51 597
50 464
50 397
Living cost
35 732
35 732
35 732
35 732
Free-cash
15 064
15 865
14 732
14 665

Estimated living cost  is ₽35732 per week

₽23682
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3506
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽543
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.
₽8001
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
₽44013
₽26616
₽18803
-₽39201
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
-
-
-
94 500
income
-
-
-
18 420
social contributions
-
-
-
10 773
total
-
-
-
29 193
Employee
55 478
-
-
-
income
12 237
-
-
-
social contributions
4 549
-
648
-
total
16 786
-
648
-
Employer
55 478
-
-
-
social contributions
78 224
-
11 148
-
total
78 224
-
11 148
-
Corporate
-
94 500
-
-
income
-
20 790
-
-
total
-
20 790
-
-
Dividends
-
73 710
-
-
income
-
16 216
-
-
total
-
16 216
-
-
Income
94 500
94 500
94 500
94 500
Total tax
95 010
37 006
11 796
29 193
After tax
-510
57 494
82 704
65 307
Living cost
38 691
38 691
38 691
38 691
Free-cash
-39 201
18 803
44 013
26 616

Estimated living cost  is ₽38691 per week

₽25104
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3639
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽493
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.
₽9455
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
₽37663
₽38202
₽40848
₽37233
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
-
-
-
94 500
income
-
-
-
11 496
social contributions
-
-
-
14 109
health
-
-
-
2 409
total
-
-
-
28 014
Employee
67 055
67 055
85 792
-
income
7 041
6 207
11 266
-
social contributions
3 258
5 565
7 121
-
health
667
1 140
1 458
-
total
10 966
12 912
19 845
-
Employer
67 055
67 055
85 792
-
social contributions
3 258
5 565
7 121
-
health
726
1 241
1 587
-
total
3 984
6 806
8 708
-
Corporate
51 265
20 639
-
-
income
6 408
2 580
-
-
total
6 408
2 580
-
-
Dividends
44 857
18 059
-
-
withholding
7 625
3 070
-
-
total
7 625
3 070
-
-
Income
94 500
94 500
94 500
94 500
Total tax
28 983
25 368
28 553
28 014
After tax
65 517
69 132
65 947
66 486
Living cost
28 284
28 284
28 284
28 284
Free-cash
37 233
40 848
37 663
38 202

Estimated living cost  is ₽28284 per week

₽19335
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2209
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽475
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.
₽6265
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
₽26586
₽35182
₽36195
₽34331
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
-
-
-
94 500
income
-
-
-
21 098
pensions
-
-
-
6 556
total
-
-
-
27 654
Employee
43 463
-
83 065
-
income
7 915
-
15 366
-
health
567
-
1 378
-
pensions
3 317
-
8 071
-
total
11 799
-
24 815
-
Employer
43 463
-
83 065
-
pensions
4 391
-
9 856
-
health
826
-
1 579
-
total
5 217
-
11 435
-
Corporate
45 820
94 500
-
-
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.

8 705
17 955
-
-
total
8 705
17 955
-
-
Dividends
37 114
76 545
-
-
withholding
2 784
8 686
-
-
total
2 784
8 686
-
-
Income
94 500
94 500
94 500
94 500
Total tax
28 505
26 641
36 250
27 654
After tax
65 995
67 859
58 250
66 846
Living cost
31 664
31 664
31 664
31 664
Free-cash
34 331
36 195
26 586
35 182

Estimated living cost  is ₽31664 per week

₽21721
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2912
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽396
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.
₽6633
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
₽7963
₽12284
₽15038
₽11069
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
-
-
-
94 500
municipal
-
-
-
632
regional
-
-
-
1 955
national
-
-
-
20 584
social contributions
-
-
-
24 306
total
-
-
-
47 477
Employee
73 482
-
94 500
-
regional
1 109
-
1 657
-
social contributions
24 778
-
31 865
-
national
12 418
-
17 712
-
municipal
439
-
564
-
total
38 744
-
51 798
-
Employer
73 482
-
94 500
-
total
-
-
-
-
Corporate
21 018
94 500
-
-
nationa
5 044
22 679
-
-
municipal
1 013
4 554
-
-
total
6 057
27 233
-
-
Dividends
14 961
67 266
-
-
withholding
3 891
17 490
-
-
total
3 891
17 490
-
-
Income
94 500
94 500
94 500
94 500
Total tax
48 692
44 723
51 798
47 477
After tax
45 808
49 777
42 702
47 023
Living cost
34 739
34 739
34 739
34 739
Free-cash
11 069
15 038
7 963
12 284

Estimated living cost  is ₽34739 per week

₽24402
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2390
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽525
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.
₽7422
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
₽31606
₽46794
-₽10331
₽4898
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
-
-
-
94 500
income
-
-
-
24 027
health
-
-
-
1 783
accident
-
-
-
206
pensions
-
-
-
3 402
other
-
-
-
303
total
-
-
-
29 721
Employee
28 292
-
82 110
-
income
3 881
-
16 880
-
health
3 239
-
9 402
-
pensions
3 186
-
6 237
-
total
10 306
-
32 519
-
Employer
28 292
-
82 110
-
unemployment
693
-
2 012
-
pensions
4 600
-
9 007
-
accident
472
-
1 371
-
total
5 765
-
12 390
-
Corporate
60 442
94 500
-
-
income

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

54 398
85 050
-
-
total
54 398
85 050
-
-
Dividends
6 044
9 450
-
-
withholding
1 148
1 796
-
-
total
1 148
1 796
-
-
Income
94 500
94 500
94 500
94 500
Total tax
71 617
86 846
44 909
29 721
After tax
22 883
7 654
49 591
64 779
Living cost
17 985
17 985
17 985
17 985
Free-cash
4 898
-10 331
31 606
46 794

Estimated living cost  is ₽17985 per week

₽13182
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽996
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽375
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3432
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
₽32636
₽24893
₽15066
₽26472
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.

-
-
-
94 500
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.

-
-
-
21 081
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.

-
-
-
5 957
trade
-
-
-
7 743
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.

-
-
-
1 160
total
-
-
-
35 941
Employee

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

43 389
-
94 500
-
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.

3 568
-
21 081
-
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.

5 957
-
5 957
-
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.

197
-
1 160
-
total
9 722
-
28 198
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
51 111
94 500
-
-
chamber of commerce
207
271
-
-
income
7 667
14 175
-
-
surtax

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

422
779
-
-
trade
7 334
13 561
-
-
total
15 630
28 786
-
-
Dividends
35 482
65 713
-
-
withholding
8 539
16 097
-
-
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.

470
885
-
-
total
9 009
16 982
-
-
Income
94 500
94 500
94 500
94 500
Total tax
34 361
45 768
28 198
35 941
After tax
60 139
48 732
66 302
58 559
Living cost
33 666
33 666
33 666
33 666
Free-cash
26 472
15 066
32 636
24 893

Estimated living cost  is ₽33666 per week

₽23224
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3622
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.
₽6331
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
₽35041
₽32222
₽57458
₽50304
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.

-
-
-
94 500
microenterprise
-
-
-
-
income
-
-
-
13 755
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.

-
-
-
30 381
surtax
-
-
-
-
total
-
-
-
44 136
Employee
25 481
-
76 155
-
income
4 536
-
14 595
-
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.

2 803
-
8 377
-
surtax
-
-
-
-
total
7 339
-
22 972
-
Employer
25 481
-
76 155
-
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.

6 138
-
18 345
-
surtax
-
-
-
-
total
6 138
-
18 345
-
Corporate
62 881
94 500
-
-
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%.

12 577
18 900
-
-
total
12 577
18 900
-
-
Dividends

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

50 305
75 600
-
-
total
-
-
-
-
Income
94 500
94 500
94 500
94 500
Total tax
26 054
18 900
41 317
44 136
After tax
68 446
75 600
53 183
50 364
Living cost
18 142
18 142
18 142
18 142
Free-cash
50 304
57 458
35 041
32 222

Estimated living cost  is ₽18142 per week

₽11574
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1728
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽412
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.
₽4428
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
₽42618
₽43423
₽47627
₽45762
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
-
-
-
94 500
income
-
-
-
25 465
health
-
-
-
5 998
pensions
-
-
-
8 273
total
-
-
-
39 736
Employee
17 274
-
85 193
-
income
3 342
-
25 030
-
health
864
-
2 068
-
unemployment
173
-
414
-
pensions
1 555
-
3 723
-
total
5 934
-
31 235
-
Employer
17 274
-
85 193
-
unemployment
346
-
827
-
pensions
1 900
-
4 550
-
health
1 641
-
3 929
-
total
3 887
-
9 306
-
Corporate
73 339
94 500
-
-
income
16 135
20 790
-
-
total
16 135
20 790
-
-
Dividends
57 204
73 710
-
-
withholding
11 441
14 742
-
-
total
11 441
14 742
-
-
Income
94 500
94 500
94 500
94 500
Total tax
37 397
35 532
40 541
39 736
After tax
57 103
58 968
53 959
54 764
Living cost
11 341
11 341
11 341
11 341
Free-cash
45 762
47 627
42 618
43 423

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
₽26443
₽28058
₽39854
₽37081
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
-
-
-
94 500
income
-
-
-
18 666
health
-
-
-
6 709
unemployment
-
-
-
199
surtax
-
-
-
2 381
pensions
-
-
-
18 900
other
-
-
-
-
total
-
-
-
46 855
Employee
29 367
-
78 066
-
other
-
-
-
-
income
4 923
-
17 260
-
health
750
-
1 991
-
unemployment
2 044
-
5 433
-
surtax
104
-
2 145
-
pensions
1 959
-
5 208
-
total
9 780
-
32 037
-
Employer
29 367
-
78 066
-
unemployment
932
-
2 474
-
pensions
3 915
-
10 406
-
other
-
-
-
-
health
1 335
-
3 553
-
total
6 182
-
16 433
-
Corporate
58 951
94 500
-
-
income
15 327
24 569
-
-
total
15 327
24 569
-
-
Dividends
43 624
69 931
-
-
withholding
6 543
10 490
-
-
total
6 543
10 490
-
-
Income
94 500
94 500
94 500
94 500
Total tax
37 832
35 059
48 470
46 855
After tax
56 668
59 441
46 030
47 645
Living cost
19 587
19 587
19 587
19 587
Free-cash
37 081
39 854
26 443
28 058

Estimated living cost  is ₽19587 per week

₽11825
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1703
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽455
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5605
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
-₽59
₽19602
₽25123
₽24695
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
-
-
-
94 500
income
-
-
-
16 639
chamber of commerce
-
-
-
377
health
-