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
₽37134
₽26624
₽29698
₽41311
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
unemployment
-
-
-
525
income
-
-
-
20 033
other
-
-
-
75
accident
-
-
-
676
pensions
-
-
-
21 233
total
-
-
-
42 542
Employee
29 932
-
71 654
-
unemployment
464
-
1 111
-
pensions
1 407
-
3 367
-
income
5 771
-
18 224
-
other
29
-
72
-
total
7 671
-
22 774
-
Employer
29 932
-
71 654
-
pensions
7 063
-
16 910
-
accident
593
-
1 419
-
unemployment
1 647
-
3 940
-
other
240
-
573
-
total
9 543
-
22 842
-
Corporate
55 025
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.

8 254
14 174
-
-
total
8 254
14 174
-
-
Dividends
46 771
80 326
-
-
withholding
9 638
16 755
-
-
total
9 638
16 755
-
-
Income
94 500
94 500
94 500
94 500
Total tax
35 106
30 929
45 616
42 542
After tax
59 394
63 571
48 884
51 958
Living cost
22 260
22 260
22 260
22 260
Free-cash
37 134
41 311
26 624
29 698

Estimated living cost  is ₽22260 per week

₽15025
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2140
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽390
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4705
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
₽42393
₽33145
₽29235
₽47860
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
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.

-
-
-
22 680
income
-
-
-
12 368
other
-
-
-
4 489
health
-
-
-
4 158
total
-
-
-
43 695
Employee
29 392
-
75 479
-
health
412
-
1 057
-
unemployment
293
-
754
-
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.

2 057
-
5 283
-
income
5 060
-
13 670
-
total
7 822
-
20 764
-
Employer
29 392
-
75 479
-
health
412
-
1 057
-
pensions

Participation in the individual account program is voluntary (6% of an income). The decision to contribute to an individual account must be made before the age of 35 and cannot be reversed.

4 997
-
12 832
-
accident
235
-
604
-
unemployment
293
-
754
-
other
1 470
-
3 774
-
total
7 407
-
19 021
-
Corporate
57 700
94 500
-
-
income
12 117
19 844
-
-
total
12 117
19 844
-
-
Dividends
45 583
74 656
-
-
withholding
3 191
5 226
-
-
total
3 191
5 226
-
-
Income
94 500
94 500
94 500
94 500
Total tax
30 537
25 070
39 785
43 695
After tax
63 963
69 430
54 715
50 805
Living cost
21 570
21 570
21 570
21 570
Free-cash
42 393
47 860
33 145
29 235

Estimated living cost  is ₽21570 per week

₽15240
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1456
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽347
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4526
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
₽66421
₽65344
₽62157
₽70181
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
pensions

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

-
-
-
4 186
unemployment
-
-
-
113
income
-
-
-
14 175
health
-
-
-
3 253
total
-
-
-
21 727
Employee
14 057
-
88 951
-
health
647
-
1 301
-
accident

We are using the highest rate at 1.1%.

155
-
311
-
pensions

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

1 234
-
2 483
-
income
1 405
-
8 895
-
total
3 441
-
12 990
-
Employer
14 057
-
88 951
-
health
970
-
1 952
-
pensions

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

1 549
-
3 117
-
accident

We are using the highest rate at 1.1%.

155
-
311
-
unemployment
84
-
170
-
total
2 758
-
5 550
-
Corporate
77 684
94 500
-
-
income
7 768
9 450
-
-
total
7 768
9 450
-
-
Dividends
69 916
85 050
-
-
withholding
3 496
4 253
-
-
total
3 496
4 253
-
-
Income
94 500
94 500
94 500
94 500
Total tax
17 463
13 703
18 540
21 727
After tax
77 037
80 797
75 960
72 773
Living cost
10 616
10 616
10 616
10 616
Free-cash
66 421
70 181
65 344
62 157

Estimated living cost  is ₽10616 per week

₽6198
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽758
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽281
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3379
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
₽24712
₽29569
₽26335
₽19931
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
-
-
-
10 917
other
-
-
-
2 929
health
-
-
-
2 495
social contributions
-
-
-
2 693
pensions
-
-
-
21 435
surtax
-
-
-
-
total
-
-
-
40 469
Employee
34 645
-
75 803
-
pensions
3 917
-
4 115
-
income
2 045
-
12 263
-
social contributions
988
-
2 160
-
surtax
-
-
-
-
total
6 950
-
18 538
-
Employer
34 645
-
75 803
-
health
2 426
-
5 648
-
social contributions
104
-
227
-
pensions
5 692
-
7 138
-
unemployment
1 403
-
3 069
-
other
1 195
-
2 615
-
total
10 820
-
18 697
-
Corporate
49 035
94 500
-
-
income
13 730
26 461
-
-
surtax
-
-
-
-
total
13 730
26 461
-
-
Dividends
35 305
68 039
-
-
social contributions
6 073
11 703
-
-
surtax
-
-
-
-
withholding
4 519
8 709
-
-
total
10 592
20 412
-
-
Income
94 500
94 500
94 500
94 500
Total tax
42 092
46 873
37 235
40 469
After tax
52 408
47 627
57 265
54 031
Living cost
27 696
27 696
27 696
27 696
Free-cash
24 712
19 931
29 569
26 335

Estimated living cost  is ₽27696 per week

₽17463
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2252
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽472
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.
₽7510
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
₽7199
₽16038
₽20142
₽12161
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
pensions
-
-
-
9 484
income
-
-
-
20 981
health
-
-
-
9 982
total
-
-
-
40 447
Employee
69 128
69 128
80 418
-
health
10 610
9 025
9 669
-
pensions
12 443
9 484
9 484
-
income

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

11 315
11 315
11 315
-
total
34 368
29 824
30 468
-
Employer
69 128
69 128
80 418
-
health
4 805
4 805
5 589
-
pensions
4 811
4 811
5 598
-
unemployment
2 489
2 489
2 896
-
total
12 105
12 105
14 083
-
Corporate
14 115
13 267
-
-
income
2 823
2 653
-
-
total
2 823
2 653
-
-
Dividends
11 291
10 614
-
-
income
2 400
2 255
-
-
withholding
1 694
1 591
-
-
total
4 094
3 846
-
-
Income
94 500
94 500
94 500
94 500
Total tax
53 390
48 428
44 551
40 447
After tax
41 110
46 072
49 949
54 053
Living cost
33 911
33 911
33 911
33 911
Free-cash
7 199
12 161
16 038
20 142

Estimated living cost  is ₽33911 per week

₽24032
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3057
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽539
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6283
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
₽32176
₽39260
₽30304
₽23225
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
trade
-
-
-
8 956
income

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

-
-
-
23 878
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.

-
-
-
5 530
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.

-
-
-
1 313
total
-
-
-
39 677
Employee

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

30 962
-
94 500
-
health

Our model is based on the assumption that an owner of the company is either a director or registered self-employed, so all social security contributions are not mandatory.

However, you would need to purchase private health insurance. We took an average price of €3600 per annum per person.

5 530
-
5 530
-
income

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

865
-
23 878
-
surtax

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

48
-
1 313
-
total
6 443
-
30 721
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
63 538
94 500
-
-
income
9 530
14 174
-
-
trade
10 007
14 884
-
-
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.

524
779
-
-
chamber of commerce
214
258
-
-
total
20 275
30 095
-
-
Dividends
43 264
64 405
-
-
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.

578
868
-
-
withholding
10 509
15 793
-
-
total
11 087
16 661
-
-
Income
94 500
94 500
94 500
94 500
Total tax
37 805
46 756
30 721
39 677
After tax
56 695
47 744
63 779
54 823
Living cost
24 519
24 519
24 519
24 519
Free-cash
32 176
23 225
39 260
30 304

Estimated living cost  is ₽24519 per week

₽15423
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2859
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽458
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5779
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
₽45949
₽46561
₽47599
₽50356
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
-
-
-
12 652
health
-
-
-
2 410
social contributions
-
-
-
13 097
total
-
-
-
28 159
Employee
62 247
62 247
85 942
-
health
482
1 058
1 461
-
income
6 778
5 762
12 210
-
social contributions
2 353
5 166
6 968
-
total
9 613
11 986
20 639
-
Employer
62 247
62 247
85 942
-
health
524
1 152
1 590
-
social contributions
2 353
5 166
6 968
-
total
2 877
6 318
8 558
-
Corporate
63 267
25 935
-
-
income
7 908
3 241
-
-
total
7 908
3 241
-
-
Dividends
55 359
22 694
-
-
withholding
9 411
3 857
-
-
total
9 411
3 857
-
-
Income
94 500
94 500
94 500
94 500
Total tax
29 809
25 402
29 197
28 159
After tax
64 691
69 098
65 303
66 341
Living cost
18 742
18 742
18 742
18 742
Free-cash
45 949
50 356
46 561
47 599

Estimated living cost  is ₽18742 per week

₽11233
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1839
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽415
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5257
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
₽27547
₽21139
₽26810
₽28361
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
-
-
-
9 460
social contributions

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

-
-
-
32 839
surtax
-
-
-
-
total
-
-
-
42 299
Employee
37 231
-
76 364
-
income
7 744
-
21 434
-
social contributions
4 095
-
8 400
-
surtax
-
-
-
-
total
11 839
-
29 834
-
Employer
37 231
-
76 364
-
social contributions
8 842
-
18 136
-
total
8 842
-
18 136
-
Corporate
48 427
94 500
-
-
income
10 169
19 844
-
-
surtax
-
-
-
-
total
10 169
19 844
-
-
Dividends
38 258
74 656
-
-
withholding
10 712
20 904
-
-
total
10 712
20 904
-
-
Income
94 500
94 500
94 500
94 500
Total tax
41 562
40 748
47 970
42 299
After tax
52 938
53 752
46 530
52 201
Living cost
25 391
25 391
25 391
25 391
Free-cash
27 547
28 361
21 139
26 810

Estimated living cost  is ₽25391 per week

₽18998
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1498
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽424
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4472
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
₽82598
₽69556
₽87511
₽83731
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
7 555
-
94 500
-
income
1 511
-
18 900
-
total
1 511
-
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%.

86 945
94 500
-
-
total
-
-
-
-
Dividends
86 945
94 500
-
-
withholding
4 347
4 725
-
-
total
4 347
4 725
-
-
Income
94 500
94 500
94 500
94 500
Total tax
5 858
4 725
18 900
945
After tax
88 642
89 775
75 600
93 555
Living cost
6 044
6 044
6 044
6 044
Free-cash
82 598
83 731
69 556
87 511

Estimated living cost  is ₽6044 per week

₽3746
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽502
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽166
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽1630
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
₽36579
₽23878
₽26587
₽43351
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
pensions
-
-
-
17 257
unemployment
-
-
-
141
income
-
-
-
19 504
health
-
-
-
9 298
total
-
-
-
46 200
Employee

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

35 796
-
81 768
-
health
2 312
-
5 281
-
unemployment
51
-
115
-
pensions
5 549
-
12 673
-
income
6 173
-
18 108
-
total
14 085
-
36 177
-
Employer

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

35 796
-
81 768
-
health
2 384
-
5 446
-
pensions
3 168
-
7 237
-
unemployment
22
-
49
-
total
5 574
-
12 732
-
Corporate
53 131
94 500
-
-
income
10 094
17 955
-
-
total
10 094
17 955
-
-
Dividends
43 036
76 545
-
-
withholding
6 455
11 481
-
-
total
6 455
11 481
-
-
Income
94 500
94 500
94 500
94 500
Total tax
36 208
29 436
48 909
46 200
After tax
58 292
65 064
45 591
48 300
Living cost
21 713
21 713
21 713
21 713
Free-cash
36 579
43 351
23 878
26 587

Estimated living cost  is ₽21713 per week

₽14901
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1392
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.
₽5000
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
₽30592
₽40228
₽36950
₽27763
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
-
-
-
23 043
health

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

-
-
-
5 122
total
-
-
-
28 165
Employee
37 135
-
90 776
-
social contributions
3 721
-
3 724
-
income
4 029
-
17 439
-
total
7 750
-
21 163
-
Employer
37 135
-
90 776
-
social contributions
3 721
-
3 724
-
total
3 721
-
3 724
-
Corporate
53 644
94 500
-
-
income
18 775
33 075
-
-
total
18 775
33 075
-
-
Dividends
34 869
61 425
-
-
social contributions
4 277
4 277
-
-
total
4 277
4 277
-
-
Income
94 500
94 500
94 500
94 500
Total tax
34 523
37 352
24 887
28 165
After tax
59 977
57 148
69 613
66 335
Living cost
29 385
29 385
29 385
29 385
Free-cash
30 592
27 763
40 228
36 950

Estimated living cost  is ₽29385 per week

₽19356
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2317
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽450
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7262
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
₽40908
₽42988
₽43524
₽40489
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
-
-
-
14 174
health
-
-
-
6 596
social contributions
-
-
-
13 041
total
-
-
-
33 811
Employee
27 447
-
94 500
-
health
1 916
-
6 596
-
income
4 578
-
14 710
-
social contributions
3 788
-
13 041
-
total
10 282
-
34 347
-
Employer
27 447
-
94 500
-
total
-
-
-
-
Corporate
67 053
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%.

3 352
4 725
-
-
total
3 352
4 725
-
-
Dividends
63 701
89 775
-
-
social contributions
8 792
12 389
-
-
withholding
9 555
13 466
-
-
health
4 446
6 266
-
-
total
22 793
32 121
-
-
Income
94 500
94 500
94 500
94 500
Total tax
36 427
36 846
34 347
33 811
After tax
58 073
57 654
60 153
60 689
Living cost
17 165
17 165
17 165
17 165
Free-cash
40 908
40 489
42 988
43 524

Estimated living cost  is ₽17165 per week

₽11488
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1058
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽395
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4223
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
₽34345
₽25313
₽24368
₽42422
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
-
-
-
8 296
health
-
-
-
12 757
social contributions
-
-
-
26 438
solidarity contribution
-
-
-
-
total
-
-
-
47 491
Employee
33 295
-
70 522
-
health
4 495
-
9 521
-
solidarity contribution
-
-
-
-
income
3 995
-
8 463
-
social contributions
2 164
-
4 584
-
total
10 654
-
22 568
-
Employer
33 295
-
70 522
-
health
2 997
-
6 347
-
social contributions
8 324
-
17 631
-
total
11 321
-
23 978
-
Corporate
49 885
94 500
-
-
income
9 478
17 955
-
-
total
9 478
17 955
-
-
Dividends
40 407
76 545
-
-
withholding
6 061
11 482
-
-
total
6 061
11 482
-
-
Income
94 500
94 500
94 500
94 500
Total tax
37 514
29 437
46 546
47 491
After tax
56 986
65 063
47 954
47 009
Living cost
22 641
22 641
22 641
22 641
Free-cash
34 345
42 422
25 313
24 368

Estimated living cost  is ₽22641 per week

₽16837
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1254
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽392
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.
₽4158
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
₽78590
₽66181
₽84136
₽80356
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
11 774
-
94 500
-
income
2 355
-
18 900
-
total
2 355
-
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%.

82 726
94 500
-
-
total
-
-
-
-
Dividends
82 726
94 500
-
-
withholding
4 136
4 725
-
-
total
4 136
4 725
-
-
Income
94 500
94 500
94 500
94 500
Total tax
6 491
4 725
18 900
945
After tax
88 009
89 775
75 600
93 555
Living cost
9 419
9 419
9 419
9 419
Free-cash
78 590
80 356
66 181
84 136

Estimated living cost  is ₽9419 per week

₽6374
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽395
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽316
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2334
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
₽14091
₽18167
₽14933
₽8529
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
-
-
-
10 917
other
-
-
-
2 929
health
-
-
-
2 495
social contributions
-
-
-
2 693
pensions
-
-
-
21 435
surtax
-
-
-
-
total
-
-
-
40 469
Employee
50 700
-
75 803
-
pensions
5 735
-
4 115
-
income
4 424
-
12 263
-
social contributions
1 444
-
2 160
-
surtax
-
-
-
-
total
11 603
-
18 538
-
Employer
50 700
-
75 803
-
health
3 549
-
5 648
-
social contributions
152
-
227
-
pensions
8 331
-
7 138
-
unemployment
2 054
-
3 069
-
other
1 750
-
2 615
-
total
15 836
-
18 697
-
Corporate
27 965
94 500
-
-
income
7 830
26 461
-
-
surtax
-
-
-
-
total
7 830
26 461
-
-
Dividends
20 135
68 039
-
-
social contributions
3 464
11 703
-
-
surtax
-
-
-
-
withholding
2 578
8 709
-
-
total
6 042
20 412
-
-
Income
94 500
94 500
94 500
94 500
Total tax
41 311
46 873
37 235
40 469
After tax
53 189
47 627
57 265
54 031
Living cost
39 098
39 098
39 098
39 098
Free-cash
14 091
8 529
18 167
14 933

Estimated living cost  is ₽39098 per week

₽26461
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3198
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽536
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8902
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
₽50359
₽37762
₽37762
₽54327
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
pensions
-
-
-
15 499
unemployment
-
-
-
894
income
-
-
-
20 256
health
-
-
-
6 140
total
-
-
-
42 789
Employee

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

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

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

21 035
-
83 830
-
health
1 083
-
3 070
-
unemployment
158
-
447
-
pensions
2 945
-
8 346
-
income
2 899
-
20 256
-
total
7 085
-
32 119
-
Employer

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

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

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

21 035
-
83 830
-
health
1 083
-
3 070
-
pensions
2 524
-
7 153
-
unemployment
158
-
447
-
total
3 765
-
10 670
-
Corporate
69 700
94 500
-
-
income
10 455
14 175
-
-
total
10 455
14 175
-
-
Dividends
59 245
80 325
-
-
withholding
8 887
12 049
-
-
total
8 887
12 049
-
-
Income
94 500
94 500
94 500
94 500
Total tax
30 192
26 224
42 789
42 789
After tax
64 308
68 276
51 711
51 711
Living cost
13 949
13 949
13 949
13 949
Free-cash
50 359
54 327
37 762
37 762

Estimated living cost  is ₽13949 per week

₽9392
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1079
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽404
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.
₽3075
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
₽10969
₽16906
₽21556
-₽13142
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
pensions
-
-
-
8 695
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
health
-
-
-
213
regional
-
-
-
3 839
national
-
-
-
956
total
-
-
-
16 589
Employee
65 950
-
84 584
-
health
149
-
190
-
unemployment
-
-
-
-
city
708
-
909
-
pensions
5 541
-
7 104
-
regional
2 160
-
3 300
-
national
312
-
750
-
total
8 870
-
12 253
-
Employer
65 950
-
84 584
-
health
149
-
190
-
pensions
5 541
-
7 104
-
unemployment
-
-
-
-
other

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

1 319
-
1 692
-
total
7 009
-
8 986
-
Corporate
20 816
94 500
-
-
regional
4 403
19 987
-
-
national
1 769
8 033
-
-
total
6 172
28 020
-
-
Dividends
14 644
66 479
-
-
withholding
5 125
23 267
-
-
total
5 125
23 267
-
-
Income
94 500
94 500
94 500
94 500
Total tax
27 176
51 287
21 239
16 589
After tax
67 324
43 213
73 261
77 911
Living cost
56 355
56 355
56 355
56 355
Free-cash
10 969
-13 142
16 906
21 556

Estimated living cost  is ₽56355 per week

₽36647
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5057
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽692
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽13959
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
₽30360
₽21552
₽34509
₽30719
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
-
-
-
16 809
health
-
-
-
1 117
national
-
-
-
10 986
total
-
-
-
28 912
Employee
42 589
-
79 499
-
health
318
-
886
-
unemployment
639
-
1 192
-
pensions
2 874
-
5 366
-
national
704
-
6 455
-
municipal
6 976
-
12 970
-
total
11 511
-
26 869
-
Employer
42 589
-
79 499
-
health
327
-
611
-
pensions
7 389
-
13 793
-
accident
43
-
80
-
unemployment
277
-
516
-
total
8 036
-
15 000
-
Corporate
43 875
94 500
-
-
income
8 775
18 900
-
-
total
8 775
18 900
-
-
Dividends

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

26 325
56 700
-
-
municipal
4 739
10 206
-
-
national
-
3 596
-
-
total
4 739
13 802
-
-
Income
94 500
94 500
94 500
94 500
Total tax
33 061
32 702
41 869
28 912
After tax
61 439
61 798
52 631
65 588
Living cost
31 079
31 079
31 079
31 079
Free-cash
30 360
30 719
21 552
34 509

Estimated living cost  is ₽31079 per week

₽20301
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2989
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽495
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7295
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
₽11293
₽6444
₽13353
₽23436
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
communal

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

-
-
-
4 761
social contributions
-
-
-
15 158
national
-
-
-
31 713
total
-
-
-
51 632
Employee

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

57 904
-
73 190
-
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.

2 721
-
3 440
-
communal

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

3 020
-
3 817
-
unemployment

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

504
-
638
-
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.

4 343
-
5 489
-
national
17 802
-
23 854
-
total
28 390
-
37 238
-
Employer

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

57 904
-
73 190
-
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.

3 561
-
4 501
-
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.

5 131
-
6 484
-
surtax
6 566
-
8 298
-
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.

753
-
951
-
unemployment

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

845
-
1 069
-
total
16 856
-
21 303
-
Corporate
19 741
94 500
-
-
income
3 948
18 900
-
-
surtax
78
378
-
-
total
4 026
19 278
-
-
Dividends
15 715
75 223
-
-
withholding

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

4 420
22 271
-
-
total
4 420
22 271
-
-
Income
94 500
94 500
94 500
94 500
Total tax
53 692
41 549
58 541
51 632
After tax
40 808
52 951
35 959
42 868
Living cost
29 515
29 515
29 515
29 515
Free-cash
11 293
23 436
6 444
13 353

Estimated living cost  is ₽29515 per week

₽19012
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2581
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽462
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7461
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
₽15891
₽15542
₽15823
₽16675
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
unemployment
-
-
-
77
municipal
-
-
-
21 568
other
-
-
-
8 894
health
-
-
-
4 776
national
-
-
-
13
accident
-
-
-
153
pensions
-
-
-
8 274
total
-
-
-
43 755
Employee
49 760
-
71 907
-
national
-
-
-
-
municipal
14 838
-
21 443
-
total
14 838
-
21 443
-
Employer
49 760
-
71 907
-
health
3 060
-
4 422
-
pensions
5 379
-
7 773
-
accident
100
-
144
-
unemployment
1 314
-
1 898
-
other
5 782
-
8 356
-
total
15 635
-
22 593
-
Corporate
29 105
94 500
-
-
income
6 403
20 790
-
-
total
6 403
20 790
-
-
Dividends
22 702
73 710
-
-
withholding
6 811
22 113
-
-
total
6 811
22 113
-
-
Income
94 500
94 500
94 500
94 500
Total tax
43 687
42 903
44 036
43 755
After tax
50 813
51 597
50 464
50 745
Living cost
34 922
34 922
34 922
34 922
Free-cash
15 891
16 675
15 542
15 823

Estimated living cost  is ₽34922 per week

₽23145
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3427
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽530
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7820
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
-₽38331
₽44341
₽26868
₽19055
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
55 117
-
-
-
income
12 158
-
-
-
social contributions
4 520
-
644
-
total
16 678
-
644
-
Employer
55 117
-
-
-
social contributions
77 714
-
11 076
-
total
77 714
-
11 076
-
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
94 392
37 006
11 720
29 193
After tax
108
57 494
82 780
65 307
Living cost
38 439
38 439
38 439
38 439
Free-cash
-38 331
19 055
44 341
26 868

Estimated living cost  is ₽38439 per week

₽24941
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3615
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽490
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9393
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
₽39483
₽39047
₽40085
₽42842
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
-
-
-
12 652
health
-
-
-
2 410
social contributions
-
-
-
13 097
total
-
-
-
28 159
Employee
62 247
62 247
85 942
-
health
619
1 058
1 461
-
income
6 536
5 762
12 210
-
social contributions
3 025
5 166
6 968
-
total
10 180
11 986
20 639
-
Employer
62 247
62 247
85 942
-
health
674
1 152
1 590
-
social contributions
3 025
5 166
6 968
-
total
3 699
6 318
8 558
-
Corporate
54 365
25 935
-
-
income
6 796
3 241
-
-
total
6 796
3 241
-
-
Dividends
47 568
22 694
-
-
withholding
8 086
3 857
-
-
total
8 086
3 857
-
-
Income
94 500
94 500
94 500
94 500
Total tax
28 761
25 402
29 197
28 159
After tax
65 739
69 098
65 303
66 341
Living cost
26 256
26 256
26 256
26 256
Free-cash
39 483
42 842
39 047
40 085

Estimated living cost  is ₽26256 per week

₽17949
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2051
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽441
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5816
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
₽37471
₽28149
₽36938
₽37529
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
-
-
-
22 470
pensions
-
-
-
6 155
total
-
-
-
28 625
Employee
39 720
-
82 945
-
health
518
-
1 369
-
pensions
3 032
-
7 882
-
income
7 233
-
16 609
-
total
10 783
-
25 860
-
Employer
39 720
-
82 945
-
health
755
-
1 577
-
pensions
4 013
-
9 977
-
total
4 768
-
11 554
-
Corporate
50 013
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.

9 503
17 954
-
-
total
9 503
17 954
-
-
Dividends
40 510
76 546
-
-
withholding
3 038
10 080
-
-
total
3 038
10 080
-
-
Income
94 500
94 500
94 500
94 500
Total tax
28 092
28 034
37 414
28 625
After tax
66 408
66 466
57 086
65 875
Living cost
28 937
28 937
28 937
28 937
Free-cash
37 471
37 529
28 149
36 938

Estimated living cost  is ₽28937 per week

₽19850
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2661
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽362
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6061
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
₽13845
₽9959
₽14283
₽17527
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
-
-
-
631
regional
-
-
-
2 011
social contributions
-
-
-
24 305
national
-
-
-
21 021
total
-
-
-
47 968
Employee
68 213
-
94 500
-
social contributions
23 001
-
31 865
-
regional
1 030
-
1 715
-
national
11 527
-
18 148
-
municipal
407
-
564
-
total
35 965
-
52 292
-
Employer
68 213
-
94 500
-
total
-
-
-
-
Corporate
26 287
94 500
-
-
nationa
6 309
22 680
-
-
municipal
1 267
4 555
-
-
total
7 576
27 235
-
-
Dividends
18 710
67 265
-
-
withholding
4 865
17 489
-
-
total
4 865
17 489
-
-
Income
94 500
94 500
94 500
94 500
Total tax
48 406
44 724
52 292
47 968
After tax
46 094
49 776
42 208
46 532
Living cost
32 249
32 249
32 249
32 249
Free-cash
13 845
17 527
9 959
14 283

Estimated living cost  is ₽32249 per week

₽22652
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2218
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽487
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6890
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
₽5026
₽32686
₽47612
-₽9487
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
pensions
-
-
-
3 242
income
-
-
-
24 319
other
-
-
-
289
health
-
-
-
1 699
accident
-
-
-
197
total
-
-
-
29 746
Employee
26 966
-
82 516
-
health
3 088
-
9 448
-
pensions
3 036
-
5 945
-
income
3 699
-
17 294
-
total
9 823
-
32 687
-
Employer
26 966
-
82 516
-
pensions
4 385
-
8 585
-
accident
450
-
1 378
-
unemployment
661
-
2 022
-
total
5 496
-
11 985
-
Corporate
62 038
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.

55 834
85 050
-
-
total
55 834
85 050
-
-
Dividends
6 204
9 450
-
-
withholding
1 179
1 795
-
-
total
1 179
1 795
-
-
Income
94 500
94 500
94 500
94 500
Total tax
72 332
86 845
44 672
29 746
After tax
22 168
7 655
49 828
64 754
Living cost
17 142
17 142
17 142
17 142
Free-cash
5 026
-9 487
32 686
47 612

Estimated living cost  is ₽17142 per week

₽12564
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽950
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽358
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3271
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
₽28050
₽32526
₽24366
₽17462
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
trade
-
-
-
8 160
income

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

-
-
-
23 878
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.

-
-
-
5 530
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.

-
-
-
1 313
total
-
-
-
38 881
Employee

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

40 278
-
94 500
-
health

Our model is based on the assumption that an owner of the company is either a director or registered self-employed, so all social security contributions are not mandatory.

However, you would need to purchase private health insurance. We took an average price of €3600 per annum per person.

5 530
-
5 530
-
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.

3 312
-
23 878
-
surtax

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

183
-
1 313
-
total
9 025
-
30 721
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
54 222
94 500
-
-
income
8 134
14 174
-
-
trade
7 781
13 561
-
-
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.

447
779
-
-
chamber of commerce
203
261
-
-
total
16 565
28 775
-
-
Dividends
37 658
65 724
-
-
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.

501
886
-
-
withholding
9 106
16 124
-
-
total
9 607
17 010
-
-
Income
94 500
94 500
94 500
94 500
Total tax
35 197
45 785
30 721
38 881
After tax
59 303
48 715
63 779
55 619
Living cost
31 253
31 253
31 253
31 253
Free-cash
28 050
17 462
32 526
24 366

Estimated living cost  is ₽31253 per week

₽21559
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3363
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.
₽5877
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
₽52118
₽36270
₽33451
₽58759
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
income
-
-
-
13 825
microenterprise
-
-
-
-
social contributions

Each person younger than 30 on 1 July, 2001 should make pension contributions to an old-age pension account. We include it in our internal model.

-
-
-
30 383
surtax
-
-
-
-
total
-
-
-
44 208
Employee
23 654
-
76 155
-
income
4 211
-
14 667
-
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.

2 602
-
8 377
-
surtax
-
-
-
-
total
6 813
-
23 044
-
Employer
23 654
-
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.

5 698
-
18 345
-
surtax
-
-
-
-
total
5 698
-
18 345
-
Corporate
65 148
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%.

13 030
18 900
-
-
total
13 030
18 900
-
-
Dividends

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

52 119
75 600
-
-
total
-
-
-
-
Income
94 500
94 500
94 500
94 500
Total tax
25 541
18 900
41 389
44 208
After tax
68 959
75 600
53 111
50 292
Living cost
16 841
16 841
16 841
16 841
Free-cash
52 118
58 759
36 270
33 451

Estimated living cost  is ₽16841 per week

₽10744
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.
₽4111
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
₽47397
₽44944
₽45651
₽49030
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
-
-
-
26 407
health
-
-
-
5 255
pensions
-
-
-
7 249
total
-
-
-
38 911
Employee
15 136
-
86 345
-
health
757
-
1 812
-
unemployment
151
-
363
-
pensions
1 362
-
3 262
-
income
2 928
-
26 026
-
total
5 198
-
31 463
-
Employer
15 136
-
86 345
-
health
1 438
-
3 443
-
pensions
1 665
-
3 987
-
unemployment
303
-
725
-
total
3 406
-
8 155
-
Corporate
75 958
94 500
-
-
income
16 711
20 790
-
-
total
16 711
20 790
-
-
Dividends
59 247
73 710
-
-
withholding
11 850
14 742
-
-
total
11 850
14 742
-
-
Income
94 500
94 500
94 500
94 500
Total tax
37 165
35 532
39 618
38 911
After tax
57 335
58 968
54 882
55 589
Living cost
9 938
9 938
9 938
9 938
Free-cash
47 397
49 030
44 944
45 651

Estimated living cost  is ₽9938 per week

₽5906
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽806
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽228
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2999
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details
Athens , Greece
₽38682
₽26838
₽28394
₽41259
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
pensions
-
-
-
18 900
unemployment
-
-
-
184
income
-
-
-
19 549
other
-
-
-
-
health
-
-
-
6 710
surtax
-
-
-
2 581
total
-
-
-
47 924
Employee
27 261
-
78 068
-
health
696
-
1 991
-
unemployment
1 897
-
5 433
-
pensions
1 819
-
5 208
-
income
4 570
-
18 078
-
other
-
-
-
-
surtax
97
-
2 337
-
total
9 079
-
33 047
-
Employer
27 261
-
78 068
-
health
1 240
-
3 552
-
pensions
3 635
-
10 406
-
unemployment
865
-
2 475
-
other
-
-
-
-
total
5 740
-
16 433
-
Corporate
61 500
94 500
-
-
income
15 990
24 570
-
-
total
15 990
24 570
-
-
Dividends
45 510
69 930
-
-
withholding
6 827
10 489
-
-
total
6 827
10 489
-
-
Income
94 500
94 500
94 500
94 500
Total tax
37 636
35 059
49 480
47 924
After tax
56 864
59 441
45 020
46 576
Living cost
18 182
18 182
18 182
18 182
Free-cash
38 682
41 259
26 838
28 394

Estimated living cost  is ₽18182 per week

₽10978
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1581
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽422
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5203
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
₽26607
₽1131
₽21071
₽27005
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
pensions
-
-
-
17 483
chamber of commerce
-
-
-
378
unemployment
-