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
₽ 9500
per

Your estimated
City
free-cash

Valencia , Spain
-₽30338
-₽23398
-₽19038
-₽15926
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
-
-
-
9 500
unemployment
-
-
-
122
income
-
-
-
803
other
-
-
-
17
accident
-
-
-
158
pensions
-
-
-
4 972
total
-
-
-
6 072
Employee
30 208
-
802
-
unemployment
468
-
423
-
pensions
1 420
-
1 282
-
income
5 824
-
-
-
other
29
-
28
-
total
7 741
-
1 733
-
Employer
30 208
-
802
-
pensions
7 129
-
6 439
-
accident
598
-
540
-
unemployment
1 662
-
1 501
-
other
242
-
219
-
total
9 631
-
8 699
-
Corporate
-
9 500
-
-
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.

-
1 425
-
-
total
-
1 425
-
-
Dividends
-
8 075
-
-
withholding
-
1 535
-
-
total
-
1 535
-
-
Income
9 500
9 500
9 500
9 500
Total tax
17 372
2 960
10 432
6 072
After tax
-7 872
6 540
-932
3 428
Living cost
22 466
22 466
22 466
22 466
Free-cash
-30 338
-15 926
-23 398
-19 038

Estimated living cost  is ₽22466 per week

₽15164
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2160
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽394
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.
₽4749
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
-₽27638
-₽16237
-₽16626
-₽14790
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
-
-
-
9 500
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.

-
-
-
2 281
income
-
-
-
1 206
other
-
-
-
451
health
-
-
-
419
total
-
-
-
4 357
Employee
29 663
-
7 536
-
health
415
-
105
-
unemployment
296
-
76
-
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.

2 076
-
527
-
income
5 107
-
1 298
-
total
7 894
-
2 006
-
Employer
29 663
-
7 536
-
health
415
-
105
-
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.

5 043
-
1 281
-
accident
237
-
60
-
unemployment
296
-
76
-
other
1 484
-
440
-
total
7 475
-
1 962
-
Corporate
-
9 500
-
-
income
-
1 995
-
-
total
-
1 995
-
-
Dividends
-
7 505
-
-
withholding
-
526
-
-
total
-
526
-
-
Income
9 500
9 500
9 500
9 500
Total tax
15 369
2 521
3 968
4 357
After tax
-5 869
6 979
5 532
5 143
Living cost
21 769
21 769
21 769
21 769
Free-cash
-27 638
-14 790
-16 237
-16 626

Estimated living cost  is ₽21769 per week

₽15381
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1470
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽350
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.
₽4567
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
-₽7454
-₽4706
-₽5165
-₽2582
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
-
-
-
9 500
pensions

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

-
-
-
1 406
unemployment
-
-
-
38
income
-
-
-
1 425
health
-
-
-
1 092
total
-
-
-
3 961
Employee
14 173
-
7 942
-
health
652
-
365
-
accident

We are using the highest rate at 1.1%.

156
-
87
-
pensions

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

1 244
-
697
-
income
1 417
-
795
-
total
3 469
-
1 944
-
Employer
14 173
-
7 942
-
health
978
-
548
-
pensions

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

1 562
-
875
-
accident

We are using the highest rate at 1.1%.

156
-
87
-
unemployment
85
-
48
-
total
2 781
-
1 558
-
Corporate
-
9 500
-
-
income
-
950
-
-
total
-
950
-
-
Dividends
-
8 550
-
-
withholding
-
428
-
-
total
-
428
-
-
Income
9 500
9 500
9 500
9 500
Total tax
6 250
1 378
3 502
3 961
After tax
3 250
8 122
5 998
5 539
Living cost
10 704
10 704
10 704
10 704
Free-cash
-7 454
-2 582
-4 706
-5 165

Estimated living cost  is ₽10704 per week

₽6249
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽764
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽284
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.
₽3407
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
-₽36383
-₽21737
-₽22991
-₽23164
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
-
-
-
9 500
income
-
-
-
-
other
-
-
-
295
health
-
-
-
217
social contributions
-
-
-
270
pensions
-
-
-
3 758
surtax
-
-
-
-
total
-
-
-
4 540
Employee
34 965
-
7 240
-
pensions
3 953
-
819
-
income
2 064
-
-
-
social contributions
997
-
206
-
surtax
-
-
-
-
total
7 014
-
1 025
-
Employer
34 965
-
7 240
-
health
2 448
-
507
-
social contributions
105
-
22
-
pensions
5 744
-
1 189
-
unemployment
1 415
-
293
-
other
1 206
-
250
-
total
10 918
-
2 261
-
Corporate
-
9 500
-
-
income
-
2 660
-
-
surtax
-
-
-
-
total
-
2 660
-
-
Dividends
-
6 840
-
-
social contributions
-
1 177
-
-
surtax
-
-
-
-
withholding
-
876
-
-
total
-
2 053
-
-
Income
9 500
9 500
9 500
9 500
Total tax
17 932
4 713
3 286
4 540
After tax
-8 432
4 787
6 214
4 960
Living cost
27 951
27 951
27 951
27 951
Free-cash
-36 383
-23 164
-21 737
-22 991

Estimated living cost  is ₽27951 per week

₽17624
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2273
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽476
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.
₽7580
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
-₽71628
-₽71628
-₽28745
-₽67042
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
-
-
-
9 500
pensions
-
-
-
1 710
income
-
-
-
854
health
-
-
-
1 457
total
-
-
-
4 021
Employee
69 766
69 766
69 766
-
health
10 708
9 108
10 708
-
pensions
12 558
9 572
12 558
-
income

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

11 420
11 420
11 420
-
total
34 686
30 100
34 686
-
Employer
69 766
69 766
69 766
-
health
4 850
4 850
4 850
-
pensions
4 856
4 856
4 856
-
unemployment
2 512
2 512
2 512
-
total
12 218
12 218
12 218
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
9 500
9 500
9 500
9 500
Total tax
46 904
42 318
46 904
4 021
After tax
-37 404
-32 818
-37 404
5 479
Living cost
34 224
34 224
34 224
34 224
Free-cash
-71 628
-67 042
-71 628
-28 745

Estimated living cost  is ₽34224 per week

₽24254
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3085
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽544
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6341
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
-₽21747
-₽20826
-₽20826
-₽19734
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.

-
-
-
9 500
trade
-
-
-
-
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.

-
-
-
-
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.

-
-
-
5 581
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.

-
-
-
-
total
-
-
-
5 581
Employee

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

31 248
-
9 500
-
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.

5 581
-
5 581
-
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.

873
-
-
-
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
-
-
-
total
6 502
-
5 581
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
9 500
-
-
income
-
1 425
-
-
trade
-
1 496
-
-
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.

-
79
-
-
chamber of commerce
-
138
-
-
total
-
3 138
-
-
Dividends
-
6 362
-
-
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.

-
70
-
-
withholding
-
1 281
-
-
total
-
1 351
-
-
Income
9 500
9 500
9 500
9 500
Total tax
6 502
4 489
5 581
5 581
After tax
2 998
5 011
3 919
3 919
Living cost
24 745
24 745
24 745
24 745
Free-cash
-21 747
-19 734
-20 826
-20 826

Estimated living cost  is ₽24745 per week

₽15566
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2885
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.
₽5832
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
-₽22021
-₽20746
-₽15052
-₽27889
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
-
-
-
31 058
income
-
-
-
-
health
-
-
-
792
social contributions
-
-
-
4 845
total
-
-
-
5 637
Employee
62 821
62 821
62 821
-
health
487
1 068
360
-
income
6 840
5 815
7 063
-
social contributions
2 375
5 214
1 758
-
total
9 702
12 097
9 181
-
Employer
62 821
62 821
62 821
-
health
529
1 163
392
-
social contributions
2 375
5 214
1 758
-
total
2 904
6 377
2 150
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
9 500
9 500
9 500
9 500
Total tax
12 606
18 474
11 331
5 637
After tax
-3 106
-8 974
-1 831
3 863
Living cost
18 915
18 915
18 915
18 915
Free-cash
-22 021
-27 889
-20 746
-15 052

Estimated living cost  is ₽18915 per week

₽11336
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1856
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽419
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.
₽5305
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
-₽36999
-₽19785
-₽19982
-₽20222
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.

-
-
-
9 500
income
-
-
-
555
social contributions

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

-
-
-
3 301
surtax
-
-
-
-
total
-
-
-
3 856
Employee
37 574
-
7 677
-
income
7 816
-
991
-
social contributions
4 133
-
845
-
surtax
-
-
-
-
total
11 949
-
1 836
-
Employer
37 574
-
7 677
-
social contributions
8 924
-
1 823
-
total
8 924
-
1 823
-
Corporate
-
9 500
-
-
income
-
1 995
-
-
surtax
-
-
-
-
total
-
1 995
-
-
Dividends
-
7 505
-
-
withholding
-
2 101
-
-
total
-
2 101
-
-
Income
9 500
9 500
9 500
9 500
Total tax
20 873
4 096
3 659
3 856
After tax
-11 373
5 404
5 841
5 644
Living cost
25 626
25 626
25 626
25 626
Free-cash
-36 999
-20 222
-19 785
-19 982

Estimated living cost  is ₽25626 per week

₽19173
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1512
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽428
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4513
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
₽1785
₽1503
₽3308
₽2928
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%.

-
-
-
9 500
microenterprise

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

-
-
-
95
total
-
-
-
95
Employee
7 621
-
9 500
-
income
1 524
-
1 900
-
total
1 524
-
1 900
-
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%.

1 879
9 500
-
-
total
-
-
-
-
Dividends
1 879
9 500
-
-
withholding
94
475
-
-
total
94
475
-
-
Income
9 500
9 500
9 500
9 500
Total tax
1 618
475
1 900
95
After tax
7 882
9 025
7 600
9 405
Living cost
6 097
6 097
6 097
6 097
Free-cash
1 785
2 928
1 503
3 308

Estimated living cost  is ₽6097 per week

₽3778
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽507
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽168
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.
₽1644
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
-₽32252
-₽16532
-₽16187
-₽15373
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.

-
-
-
9 500
pensions
-
-
-
1 735
unemployment
-
-
-
14
income
-
-
-
1 090
health
-
-
-
935
total
-
-
-
3 774
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.

36 127
-
8 221
-
health
2 333
-
530
-
unemployment
51
-
11
-
pensions
5 600
-
1 274
-
income
6 230
-
1 025
-
total
14 214
-
2 840
-
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.

36 127
-
8 221
-
health
2 406
-
547
-
pensions
3 197
-
727
-
unemployment
22
-
5
-
total
5 625
-
1 279
-
Corporate
-
9 500
-
-
income
-
1 805
-
-
total
-
1 805
-
-
Dividends
-
7 695
-
-
withholding
-
1 155
-
-
total
-
1 155
-
-
Income
9 500
9 500
9 500
9 500
Total tax
19 839
2 960
4 119
3 774
After tax
-10 339
6 540
5 381
5 726
Living cost
21 913
21 913
21 913
21 913
Free-cash
-32 252
-15 373
-16 532
-16 187

Estimated living cost  is ₽21913 per week

₽15038
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1405
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.
₽5046
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
-₽34172
-₽22996
-₽48586
-₽25921
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.

-
-
-
9 500
income
-
-
-
23 255
health

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

-
-
-
5 175
total
-
-
-
28 430
Employee
37 478
-
8 080
-
social contributions
3 755
-
1 420
-
income
4 067
-
-
-
total
7 822
-
1 420
-
Employer
37 478
-
8 080
-
social contributions
3 755
-
1 420
-
total
3 755
-
1 420
-
Corporate
-
9 500
-
-
income
-
3 326
-
-
total
-
3 326
-
-
Dividends
-
6 174
-
-
social contributions
2 439
2 439
-
-
total
2 439
2 439
-
-
Income
9 500
9 500
9 500
9 500
Total tax
14 016
5 765
2 840
28 430
After tax
-4 516
3 735
6 660
-18 930
Living cost
29 656
29 656
29 656
29 656
Free-cash
-34 172
-25 921
-22 996
-48 586

Estimated living cost  is ₽29656 per week

₽19535
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2338
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽454
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.
₽7329
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
-₽20346
-₽11189
-₽11395
-₽11797
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
-
-
-
9 500
income
-
-
-
1 425
health
-
-
-
721
social contributions
-
-
-
1 425
total
-
-
-
3 571
Employee
27 700
-
9 500
-
health
1 933
-
721
-
income
4 620
-
1 219
-
social contributions
3 823
-
1 425
-
total
10 376
-
3 365
-
Employer
27 700
-
9 500
-
total
-
-
-
-
Corporate
-
9 500
-
-
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%.

-
474
-
-
total
-
474
-
-
Dividends
-
9 026
-
-
social contributions
1 425
1 425
-
-
withholding
-
1 353
-
-
health
721
721
-
-
total
2 146
3 499
-
-
Income
9 500
9 500
9 500
9 500
Total tax
12 522
3 973
3 365
3 571
After tax
-3 022
5 527
6 135
5 929
Living cost
17 324
17 324
17 324
17 324
Free-cash
-20 346
-11 797
-11 189
-11 395

Estimated living cost  is ₽17324 per week

₽11594
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1068
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽398
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.
₽4262
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
-₽35378
-₽17953
-₽18147
-₽16233
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
-
-
-
9 500
income
-
-
-
817
health
-
-
-
1 282
social contributions
-
-
-
2 774
solidarity contribution
-
-
-
-
total
-
-
-
4 873
Employee
33 490
-
7 090
-
health
4 521
-
957
-
solidarity contribution
-
-
-
-
income
4 019
-
851
-
social contributions
2 177
-
461
-
total
10 717
-
2 269
-
Employer
33 490
-
7 090
-
health
3 014
-
638
-
social contributions
8 373
-
1 772
-
total
11 387
-
2 410
-
Corporate
-
9 500
-
-
income
-
1 805
-
-
total
-
1 805
-
-
Dividends
-
7 695
-
-
withholding
-
1 154
-
-
total
-
1 154
-
-
Income
9 500
9 500
9 500
9 500
Total tax
22 104
2 959
4 679
4 873
After tax
-12 604
6 541
4 821
4 627
Living cost
22 774
22 774
22 774
22 774
Free-cash
-35 378
-16 233
-17 953
-18 147

Estimated living cost  is ₽22774 per week

₽16936
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1262
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽394
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.
₽4182
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
-₽2376
-₽1901
-₽96
-₽476
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%.

-
-
-
9 500
microenterprise

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

-
-
-
95
total
-
-
-
95
Employee
11 876
-
9 500
-
income
2 375
-
1 900
-
total
2 375
-
1 900
-
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%.

-
9 500
-
-
total
-
-
-
-
Dividends
-
9 500
-
-
withholding
-
475
-
-
total
-
475
-
-
Income
9 500
9 500
9 500
9 500
Total tax
2 375
475
1 900
95
After tax
7 125
9 025
7 600
9 405
Living cost
9 501
9 501
9 501
9 501
Free-cash
-2 376
-476
-1 901
-96

Estimated living cost  is ₽9501 per week

₽6429
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽399
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽319
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.
₽2354
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
-₽57649
-₽33245
-₽34499
-₽34672
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
-
-
-
9 500
income
-
-
-
-
other
-
-
-
295
health
-
-
-
217
social contributions
-
-
-
270
pensions
-
-
-
3 758
surtax
-
-
-
-
total
-
-
-
4 540
Employee
51 169
-
7 240
-
pensions
5 787
-
819
-
income
4 465
-
-
-
social contributions
1 457
-
206
-
surtax
-
-
-
-
total
11 709
-
1 025
-
Employer
51 169
-
7 240
-
health
3 581
-
507
-
social contributions
153
-
22
-
pensions
8 408
-
1 189
-
unemployment
2 073
-
293
-
other
1 766
-
250
-
total
15 981
-
2 261
-
Corporate
-
9 500
-
-
income
-
2 660
-
-
surtax
-
-
-
-
total
-
2 660
-
-
Dividends
-
6 840
-
-
social contributions
-
1 177
-
-
surtax
-
-
-
-
withholding
-
876
-
-
total
-
2 053
-
-
Income
9 500
9 500
9 500
9 500
Total tax
27 690
4 713
3 286
4 540
After tax
-18 190
4 787
6 214
4 960
Living cost
39 459
39 459
39 459
39 459
Free-cash
-57 649
-34 672
-33 245
-34 499

Estimated living cost  is ₽39459 per week

₽26705
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3228
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽541
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.
₽8984
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
-₽15526
-₽8025
-₽8517
-₽7213
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.

-
-
-
9 500
pensions
-
-
-
2 470
unemployment
-
-
-
142
income
-
-
-
349
health
-
-
-
979
total
-
-
-
3 940
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.

21 227
-
8 058
-
health
1 093
-
415
-
unemployment
159
-
60
-
pensions
2 972
-
1 128
-
income
2 926
-
403
-
total
7 150
-
2 006
-
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.

21 227
-
8 058
-
health
1 093
-
415
-
pensions
2 547
-
967
-
unemployment
159
-
60
-
total
3 799
-
1 442
-
Corporate
-
9 500
-
-
income
-
1 425
-
-
total
-
1 425
-
-
Dividends
-
8 075
-
-
withholding
-
1 211
-
-
total
-
1 211
-
-
Income
9 500
9 500
9 500
9 500
Total tax
10 949
2 636
3 448
3 940
After tax
-1 449
6 864
6 052
5 560
Living cost
14 077
14 077
14 077
14 077
Free-cash
-15 526
-7 213
-8 025
-8 517

Estimated living cost  is ₽14077 per week

₽9478
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1089
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽407
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.
₽3103
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
-₽63292
-₽50817
-₽48638
-₽52447
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
-
-
-
9 500
pensions
-
-
-
874
city
-
-
-
98
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.

-
-
-
190
health
-
-
-
185
regional
-
-
-
-
national
-
-
-
-
total
-
-
-
1 347
Employee
66 461
-
7 614
-
health
150
-
18
-
unemployment
-
-
-
-
city
713
-
70
-
pensions
5 584
-
1 634
-
regional
2 176
-
-
-
national
315
-
-
-
total
8 938
-
1 722
-
Employer
66 461
-
7 614
-
health
150
-
18
-
pensions
5 584
-
1 634
-
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.

1 329
-
152
-
total
7 063
-
1 804
-
Corporate
-
9 500
-
-
regional
-
2 010
-
-
national
-
808
-
-
total
-
2 818
-
-
Dividends
-
6 682
-
-
withholding
-
2 338
-
-
total
-
2 338
-
-
Income
9 500
9 500
9 500
9 500
Total tax
16 001
5 156
3 526
1 347
After tax
-6 501
4 344
5 974
8 153
Living cost
56 791
56 791
56 791
56 791
Free-cash
-63 292
-52 447
-50 817
-48 638

Estimated living cost  is ₽56791 per week

₽36931
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5096
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽697
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.
₽14067
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
-₽41592
-₽25353
-₽23576
-₽24793
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

-
-
-
9 500
municipal
-
-
-
1 710
health
-
-
-
-
national
-
-
-
-
total
-
-
-
1 710
Employee
42 983
-
7 992
-
health
321
-
-
-
unemployment
645
-
119
-
pensions
2 901
-
540
-
national
710
-
-
-
municipal
7 040
-
1 319
-
total
11 617
-
1 978
-
Employer
42 983
-
7 992
-
health
330
-
62
-
pensions
7 457
-
1 386
-
accident
43
-
8
-
unemployment
279
-
53
-
total
8 109
-
1 509
-
Corporate
-
9 500
-
-
income
-
1 901
-
-
total
-
1 901
-
-
Dividends

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

-
5 699
-
-
municipal
-
1 026
-
-
national
-
-
-
-
total
-
1 026
-
-
Income
9 500
9 500
9 500
9 500
Total tax
19 726
2 927
3 487
1 710
After tax
-10 226
6 573
6 013
7 790
Living cost
31 366
31 366
31 366
31 366
Free-cash
-41 592
-24 793
-25 353
-23 576

Estimated living cost  is ₽31366 per week

₽20488
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3017
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽499
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7363
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
-₽65951
-₽25375
-₽26205
-₽24199
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
-
-
-
9 500
communal

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

-
-
-
312
social contributions
-
-
-
4 307
national
-
-
-
1 298
total
-
-
-
5 917
Employee

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

58 439
-
7 359
-
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.

2 746
-
347
-
communal

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

3 048
-
384
-
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.

509
-
64
-
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.

4 383
-
552
-
national
17 966
-
1 598
-
total
28 652
-
2 945
-
Employer

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

58 439
-
7 359
-
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.

3 594
-
453
-
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.

5 178
-
653
-
surtax
6 626
-
834
-
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.

760
-
95
-
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.

853
-
107
-
total
17 011
-
2 142
-
Corporate
-
9 500
-
-
income
-
1 901
-
-
surtax
-
39
-
-
total
-
1 940
-
-
Dividends
-
7 561
-
-
withholding

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

-
1 971
-
-
total
-
1 971
-
-
Income
9 500
9 500
9 500
9 500
Total tax
45 663
3 911
5 087
5 917
After tax
-36 163
5 589
4 413
3 583
Living cost
29 788
29 788
29 788
29 788
Free-cash
-65 951
-24 199
-25 375
-26 205

Estimated living cost  is ₽29788 per week

₽19187
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2605
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽467
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7530
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
-₽56465
-₽30152
-₽30491
-₽30039
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
-
-
-
9 500
unemployment
-
-
-
10
municipal
-
-
-
2 012
other
-
-
-
1 104
health
-
-
-
593
national
-
-
-
-
accident
-
-
-
19
pensions
-
-
-
1 027
total
-
-
-
4 765
Employee
50 194
-
7 229
-
national
-
-
-
-
municipal
14 968
-
2 156
-
total
14 968
-
2 156
-
Employer
50 194
-
7 229
-
health
3 087
-
444
-
pensions
5 426
-
781
-
accident
100
-
14
-
unemployment
1 325
-
191
-
other
5 833
-
840
-
total
15 771
-
2 270
-
Corporate
-
9 500
-
-
income
-
2 090
-
-
total
-
2 090
-
-
Dividends
-
7 410
-
-
withholding
-
2 223
-
-
total
-
2 223
-
-
Income
9 500
9 500
9 500
9 500
Total tax
30 739
4 313
4 426
4 765
After tax
-21 239
5 187
5 074
4 735
Living cost
35 226
35 226
35 226
35 226
Free-cash
-56 465
-30 039
-30 152
-30 491

Estimated living cost  is ₽35226 per week

₽23347
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3457
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽535
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.
₽7888
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
-₽124488
-₽41096
-₽32209
-₽32994
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
-
-
-
9 500
income
-
-
-
1 852
social contributions
-
-
-
1 083
total
-
-
-
2 935
Employee
55 597
-
-
-
income
12 264
-
-
-
social contributions
4 559
-
650
-
total
16 823
-
650
-
Employer
55 597
-
-
-
social contributions
78 391
-
11 172
-
total
78 391
-
11 172
-
Corporate
-
9 500
-
-
income
-
2 090
-
-
total
-
2 090
-
-
Dividends
-
7 410
-
-
income
-
1 630
-
-
total
-
1 630
-
-
Income
9 500
9 500
9 500
9 500
Total tax
95 214
3 720
11 822
2 935
After tax
-85 714
5 780
-2 322
6 565
Living cost
38 774
38 774
38 774
38 774
Free-cash
-124 488
-32 994
-41 096
-32 209

Estimated living cost  is ₽38774 per week

₽25158
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3647
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽494
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9475
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
-₽31007
-₽28329
-₽22635
-₽35472
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
-
-
-
31 058
income
-
-
-
-
health
-
-
-
792
social contributions
-
-
-
4 845
total
-
-
-
5 637
Employee
62 821
62 821
62 821
-
health
625
1 068
360
-
income
6 597
5 815
7 063
-
social contributions
3 053
5 214
1 758
-
total
10 275
12 097
9 181
-
Employer
62 821
62 821
62 821
-
health
681
1 163
392
-
social contributions
3 053
5 214
1 758
-
total
3 734
6 377
2 150
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
9 500
9 500
9 500
9 500
Total tax
14 009
18 474
11 331
5 637
After tax
-4 509
-8 974
-1 831
3 863
Living cost
26 498
26 498
26 498
26 498
Free-cash
-31 007
-35 472
-28 329
-22 635

Estimated living cost  is ₽26498 per week

₽18114
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2070
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽445
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5870
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
-₽35275
-₽21667
-₽21523
-₽22005
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
-
-
-
9 500
income
-
-
-
1 899
pensions
-
-
-
-
total
-
-
-
1 899
Employee
39 976
-
9 322
-
health
521
-
-
-
pensions
3 051
-
-
-
income
7 280
-
1 865
-
total
10 852
-
1 865
-
Employer
39 976
-
9 322
-
health
760
-
178
-
pensions
4 039
-
-
-
total
4 799
-
178
-
Corporate
-
9 500
-
-
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.

-
1 804
-
-
total
-
1 804
-
-
Dividends
-
7 696
-
-
withholding
-
577
-
-
total
-
577
-
-
Income
9 500
9 500
9 500
9 500
Total tax
15 651
2 381
2 043
1 899
After tax
-6 151
7 119
7 457
7 601
Living cost
29 124
29 124
29 124
29 124
Free-cash
-35 275
-22 005
-21 667
-21 523

Estimated living cost  is ₽29124 per week

₽19979
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2678
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽364
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.
₽6101
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
-₽59344
-₽31654
-₽30189
-₽27542
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
-
-
-
9 500
municipal
-
-
-
28
regional
-
-
-
54
social contributions
-
-
-
6 332
national
-
-
-
729
total
-
-
-
7 143
Employee
68 843
-
9 500
-
social contributions
23 214
-
8 301
-
regional
1 039
-
20
-
national
11 634
-
276
-
municipal
411
-
11
-
total
36 298
-
8 608
-
Employer
68 843
-
9 500
-
total
-
-
-
-
Corporate
-
9 500
-
-
nationa
-
2 281
-
-
municipal
-
457
-
-
total
-
2 738
-
-
Dividends
-
6 762
-
-
withholding
-
1 758
-
-
total
-
1 758
-
-
Income
9 500
9 500
9 500
9 500
Total tax
36 298
4 496
8 608
7 143
After tax
-26 798
5 004
892
2 357
Living cost
32 546
32 546
32 546
32 546
Free-cash
-59 344
-27 542
-31 654
-30 189

Estimated living cost  is ₽32546 per week

₽22862
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2239
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽491
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6953
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
-₽23254
-₽12281
-₽13987
-₽16528
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
-
-
-
9 500
pensions
-
-
-
3 271
income
-
-
-
714
other
-
-
-
291
health
-
-
-
1 715
accident
-
-
-
199
total
-
-
-
6 190
Employee
27 209
-
7 892
-
health
3 115
-
904
-
pensions
3 064
-
889
-
income
3 733
-
1 083
-
total
9 912
-
2 876
-
Employer
27 209
-
7 892
-
pensions
4 424
-
1 283
-
accident
454
-
132
-
unemployment
667
-
193
-
total
5 545
-
1 608
-
Corporate
-
9 500
-
-
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.

-
8 550
-
-
total
-
8 550
-
-
Dividends
-
950
-
-
withholding
-
181
-
-
total
-
181
-
-
Income
9 500
9 500
9 500
9 500
Total tax
15 457
8 731
4 484
6 190
After tax
-5 957
769
5 016
3 310
Living cost
17 297
17 297
17 297
17 297
Free-cash
-23 254
-16 528
-12 281
-13 987

Estimated living cost  is ₽17297 per week

₽12677
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽958
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽361
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.
₽3301
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
-₽31149
-₽27622
-₽27622
-₽26432
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.

-
-
-
9 500
trade
-
-
-
-
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.

-
-
-
-
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.

-
-
-
5 581
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.

-
-
-
-
total
-
-
-
5 581
Employee

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

40 649
-
9 500
-
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.

5 581
-
5 581
-
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.

3 343
-
-
-
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.

184
-
-
-
total
9 108
-
5 581
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
9 500
-
-
income
-
1 425
-
-
trade
-
1 363
-
-
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.

-
79
-
-
chamber of commerce
-
138
-
-
total
-
3 005
-
-
Dividends
-
6 495
-
-
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.

-
73
-
-
withholding
-
1 313
-
-
total
-
1 386
-
-
Income
9 500
9 500
9 500
9 500
Total tax
9 108
4 391
5 581
5 581
After tax
392
5 109
3 919
3 919
Living cost
31 541
31 541
31 541
31 541
Free-cash
-31 149
-26 432
-27 622
-27 622

Estimated living cost  is ₽31541 per week

₽21758
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3394
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.
₽5932
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
-₽20122
-₽11642
-₽11493
-₽9397
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.

-
-
-
9 500
income
-
-
-
-
microenterprise
-
-
-
1 425
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.

-
-
-
2 572
surtax
-
-
-
-
total
-
-
-
3 997
Employee
23 872
-
7 573
-
income
4 250
-
1 338
-
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.

2 626
-
881
-
surtax
-
-
-
-
total
6 876
-
2 219
-
Employer
23 872
-
7 573
-
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.

5 750
-
1 927
-
surtax
-
-
-
-
total
5 750
-
1 927
-
Corporate
-
9 500
-
-
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%.

-
1 901
-
-
total
-
1 901
-
-
Dividends

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

-
7 599
-
-
total
-
-
-
-
Income
9 500
9 500
9 500
9 500
Total tax
12 626
1 901
4 146
3 997
After tax
-3 126
7 599
5 354
5 503
Living cost
16 996
16 996
16 996
16 996
Free-cash
-20 122
-9 397
-11 642
-11 493

Estimated living cost  is ₽16996 per week

₽10843
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1619
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽386
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.
₽4149
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
-₽9235
-₽4678
-₽4948
-₽4113
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
-
-
-
9 500
income
-
-
-
1 129
health
-
-
-
1 378
pensions
-
-
-
1 900
total
-
-
-
4 407
Employee
15 294
-
7 755
-
health
765
-
388
-
unemployment
153
-
78
-
pensions
1 376
-
698
-
income
2 959
-
1 228
-
total
5 253
-
2 392
-
Employer
15 294
-
7 755
-
health
1 453
-
737
-
pensions
1 682
-
853
-
unemployment
306
-
155
-
total
3 441
-
1 745
-
Corporate
-
9 500
-
-
income
-
2 090
-
-
total
-
2 090
-
-
Dividends
-
7 410
-
-
withholding
-
1 482
-
-
total
-
1 482
-
-
Income
9 500
9 500
9 500
9 500
Total tax
8 694
3 572
4 137
4 407
After tax
806
5 928
5 363
5 093
Living cost
10 041
10 041
10 041
10 041
Free-cash
-9 235
-4 113
-4 678
-4 948

Estimated living cost  is ₽10041 per week

₽5967
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽814
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽230
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.
₽3030
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
-₽23805
-₽13996
-₽13263
-₽12374
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
-
-
-
9 500
pensions
-
-
-
2 181
unemployment
-
-
-
186
income
-
-
-
1 271
other
-
-
-
-
health
-
-
-
775
surtax
-
-
-
-
total
-
-
-
4 413
Employee
27 513
-
7 205
-
health
702
-
278
-
unemployment
1 915
-
758
-
pensions
1 836
-
727
-
income
4 612
-
1 088
-
other
-
-
-
-
surtax
98
-
-
-
total
9 163
-
2 851
-
Employer
27 513
-
7 205
-
health
1 251
-
496
-
pensions
3 668
-
1 453
-
unemployment
873
-
346
-
other
-
-
-
-
total
5 792
-
2 295
-
Corporate
-
9 500
-
-
income
-
2 470
-
-
total
-
2 470
-
-
Dividends
-
7 030
-
-
withholding
-
1 054
-
-
total
-
1 054
-
-
Income
9 500
9 500
9 500
9 500
Total tax
14 955
3 524
5 146
4 413
After tax
-5 455
5 976
4 354
5 087
Living cost
18 350
18 350
18 350
18 350
Free-cash
-23 805
-12 374
-13 996
-13 263

Estimated living cost  is ₽18350 per week

₽11079
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1595
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽426
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.
₽5251
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
-₽37263
-₽26734
-₽24099
-₽35008
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
-
-
-
9 500
pensions
-
-
-
1 758
chamber of commerce
-
-
-
39
unemployment
-
-
-
5 011