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
₽ 95000
per

Your estimated
City
free-cash

Valencia , Spain
₽25592
₽27628
₽39950
₽35366
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
-
-
-
95 000
income
-
-
-
19 024
accident
-
-
-
730
unemployment
-
-
-
567
pensions
-
-
-
22 930
other
-
-
-
81
total
-
-
-
43 332
Employee
32 324
-
72 035
-
other
32
-
71
-
income
6 232
-
17 830
-
unemployment
501
-
1 116
-
pensions
1 520
-
3 386
-
total
8 285
-
22 403
-
Employer
32 324
-
72 035
-
unemployment
1 778
-
3 962
-
pensions
7 628
-
16 999
-
other
259
-
577
-
accident
640
-
1 427
-
total
10 305
-
22 965
-
Corporate
52 370
95 000
-
-
income

The general rate of corporate tax is 25%. The lower rate of 15% is introduced for newly formed companies which applies during the first two years of operation in which taxable profit is made. We use the lower rate in our model.

7 855
14 251
-
-
total
7 855
14 251
-
-
Dividends
44 515
80 749
-
-
withholding
9 149
16 759
-
-
total
9 149
16 759
-
-
Income
95 000
95 000
95 000
95 000
Total tax
35 594
31 010
45 368
43 332
After tax
59 406
63 990
49 632
51 668
Living cost
24 040
24 040
24 040
24 040
Free-cash
35 366
39 950
25 592
27 628

Estimated living cost  is ₽24040 per week

₽16226
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2311
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.
₽5081
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
₽31968
₽28035
₽46501
₽40597
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
-
-
-
95 000
income
-
-
-
12 177
health
-
-
-
4 181
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.

-
-
-
22 801
other
-
-
-
4 512
total
-
-
-
43 671
Employee
31 741
-
75 879
-
income
5 465
-
13 487
-
health
445
-
1 062
-
unemployment
317
-
758
-
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.

2 221
-
5 312
-
total
8 448
-
20 619
-
Employer
31 741
-
75 879
-
unemployment
317
-
758
-
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.

5 397
-
12 898
-
other
1 588
-
3 794
-
accident
254
-
607
-
health
445
-
1 062
-
total
8 001
-
19 119
-
Corporate
55 259
95 000
-
-
income
11 604
19 951
-
-
total
11 604
19 951
-
-
Dividends
43 655
75 049
-
-
withholding
3 056
5 254
-
-
total
3 056
5 254
-
-
Income
95 000
95 000
95 000
95 000
Total tax
31 109
25 205
39 738
43 671
After tax
63 891
69 795
55 262
51 329
Living cost
23 294
23 294
23 294
23 294
Free-cash
40 597
46 501
31 968
28 035

Estimated living cost  is ₽23294 per week

₽16459
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1573
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽375
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4887
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
₽64247
₽61157
₽69776
₽65720
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
-
-
-
95 000
income
-
-
-
14 250
health
-
-
-
3 508
unemployment
-
-
-
122
pensions

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

-
-
-
4 514
total
-
-
-
22 394
Employee
15 160
-
89 016
-
income
1 516
-
8 902
-
health
697
-
1 403
-
accident

We are using the highest rate at 1.1%.

167
-
336
-
pensions

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

1 331
-
2 678
-
total
3 711
-
13 319
-
Employer
15 160
-
89 016
-
unemployment
91
-
183
-
pensions

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

1 671
-
3 361
-
accident

We are using the highest rate at 1.1%.

167
-
336
-
health
1 046
-
2 105
-
total
2 975
-
5 985
-
Corporate
76 866
95 000
-
-
income
7 686
9 500
-
-
total
7 686
9 500
-
-
Dividends
69 180
85 500
-
-
withholding
3 459
4 275
-
-
total
3 459
4 275
-
-
Income
95 000
95 000
95 000
95 000
Total tax
17 831
13 775
19 304
22 394
After tax
77 169
81 225
75 696
72 606
Living cost
11 449
11 449
11 449
11 449
Free-cash
65 720
69 776
64 247
61 157

Estimated living cost  is ₽11449 per week

₽6684
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽818
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽303
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.
₽3644
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
₽28809
₽24581
₽17971
₽23134
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
-
-
-
95 000
income
-
-
-
10 121
social contributions
-
-
-
2 706
health
-
-
-
2 177
surtax
-
-
-
-
pensions
-
-
-
22 561
other
-
-
-
2 945
total
-
-
-
40 510
Employee
37 415
-
76 722
-
income
2 208
-
11 893
-
social contributions
1 067
-
2 185
-
surtax
-
-
-
-
pensions
4 230
-
3 925
-
total
7 505
-
18 003
-
Employer
37 415
-
76 722
-
unemployment
1 515
-
3 107
-
social contributions
113
-
231
-
pensions
6 146
-
6 862
-
other
1 291
-
2 648
-
health
2 620
-
5 431
-
total
11 685
-
18 279
-
Corporate
45 901
95 000
-
-
income
12 852
26 600
-
-
surtax
-
-
-
-
total
12 852
26 600
-
-
Dividends
33 049
68 400
-
-
withholding
4 230
8 756
-
-
surtax
-
-
-
-
social contributions
5 685
11 764
-
-
total
9 915
20 520
-
-
Income
95 000
95 000
95 000
95 000
Total tax
41 957
47 120
36 282
40 510
After tax
53 043
47 880
58 718
54 490
Living cost
29 909
29 909
29 909
29 909
Free-cash
23 134
17 971
28 809
24 581

Estimated living cost  is ₽29909 per week

₽18859
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2432
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽509
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8111
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
₽11660
₽17384
₽9533
₽4178
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
-
-
-
95 000
income
-
-
-
19 972
health
-
-
-
10 780
pensions
-
-
-
10 242
total
-
-
-
40 994
Employee
74 653
74 653
80 844
-
income

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

12 220
12 220
12 220
-
health
11 458
9 746
10 100
-
pensions
13 438
10 242
10 242
-
total
37 116
32 208
32 562
-
Employer
74 653
74 653
80 844
-
unemployment
2 688
2 688
2 910
-
pensions
5 196
5 196
5 627
-
health
5 189
5 189
5 619
-
total
13 073
13 073
14 156
-
Corporate
8 190
7 274
-
-
income
1 637
1 455
-
-
total
1 637
1 455
-
-
Dividends
6 552
5 819
-
-
withholding
982
873
-
-
income
1 392
1 236
-
-
total
2 374
2 109
-
-
Income
95 000
95 000
95 000
95 000
Total tax
54 200
48 845
46 718
40 994
After tax
40 800
46 155
48 282
54 006
Living cost
36 622
36 622
36 622
36 622
Free-cash
4 178
9 533
11 660
17 384

Estimated living cost  is ₽36622 per week

₽25953
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3301
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽582
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.
₽6785
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
₽40140
₽31580
₽21532
₽31202
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.

-
-
-
95 000
income

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

-
-
-
21 241
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.

-
-
-
5 972
trade
-
-
-
8 560
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.

-
-
-
1 168
total
-
-
-
36 941
Employee

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

33 437
-
95 000
-
income

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

934
-
21 241
-
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.

5 972
-
5 972
-
surtax

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

51
-
1 168
-
total
6 957
-
28 381
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
61 563
95 000
-
-
chamber of commerce
221
269
-
-
income
9 234
14 251
-
-
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.

508
783
-
-
trade
9 697
14 962
-
-
total
19 660
30 265
-
-
Dividends
41 905
64 735
-
-
withholding
10 145
15 851
-
-
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.

557
873
-
-
total
10 702
16 724
-
-
Income
95 000
95 000
95 000
95 000
Total tax
37 319
46 989
28 381
36 941
After tax
57 681
48 011
66 619
58 059
Living cost
26 479
26 479
26 479
26 479
Free-cash
31 202
21 532
40 140
31 580

Estimated living cost  is ₽26479 per week

₽16656
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3087
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.
₽6241
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
₽46022
₽46591
₽49255
₽44497
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
-
-
-
95 000
income
-
-
-
11 603
social contributions
-
-
-
14 144
health
-
-
-
2 422
total
-
-
-
28 169
Employee
67 222
67 222
86 246
-
income
7 319
6 223
11 359
-
social contributions
2 542
5 579
7 158
-
health
521
1 143
1 467
-
total
10 382
12 945
19 984
-
Employer
67 222
67 222
86 246
-
social contributions
2 542
5 579
7 158
-
health
566
1 244
1 596
-
total
3 108
6 823
8 754
-
Corporate
61 271
20 955
-
-
income
7 659
2 620
-
-
total
7 659
2 620
-
-
Dividends
53 611
18 335
-
-
withholding
9 114
3 117
-
-
total
9 114
3 117
-
-
Income
95 000
95 000
95 000
95 000
Total tax
30 263
25 505
28 738
28 169
After tax
64 737
69 495
66 262
66 831
Living cost
20 240
20 240
20 240
20 240
Free-cash
44 497
49 255
46 022
46 591

Estimated living cost  is ₽20240 per week

₽12130
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1986
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽448
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.
₽5677
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
₽20039
₽25345
₽26614
₽25734
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.

-
-
-
95 000
income
-
-
-
9 222
social contributions

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

-
-
-
33 012
surtax
-
-
-
-
total
-
-
-
42 234
Employee
40 207
-
76 768
-
income
8 363
-
20 864
-
social contributions
4 423
-
8 444
-
surtax
-
-
-
-
total
12 786
-
29 308
-
Employer
40 207
-
76 768
-
social contributions
9 549
-
18 232
-
total
9 549
-
18 232
-
Corporate
45 244
95 000
-
-
income
9 501
19 951
-
-
surtax
-
-
-
-
total
9 501
19 951
-
-
Dividends
35 743
75 049
-
-
withholding
10 009
21 014
-
-
total
10 009
21 014
-
-
Income
95 000
95 000
95 000
95 000
Total tax
41 845
40 965
47 540
42 234
After tax
53 155
54 035
47 460
52 766
Living cost
27 421
27 421
27 421
27 421
Free-cash
25 734
26 614
20 039
25 345

Estimated living cost  is ₽27421 per week

₽20516
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1617
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.
₽4829
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
₽69711
₽87761
₽83961
₽82782
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%.

-
-
-
95 000
microenterprise

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

-
-
-
950
total
-
-
-
950
Employee
7 861
-
95 000
-
income
1 572
-
19 000
-
total
1 572
-
19 000
-
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%.

87 139
95 000
-
-
total
-
-
-
-
Dividends
87 139
95 000
-
-
withholding
4 357
4 750
-
-
total
4 357
4 750
-
-
Income
95 000
95 000
95 000
95 000
Total tax
5 929
4 750
19 000
950
After tax
89 071
90 250
76 000
94 050
Living cost
6 289
6 289
6 289
6 289
Free-cash
82 782
83 961
69 711
87 761

Estimated living cost  is ₽6289 per week

₽3897
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽523
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽173
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽1696
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
₽22648
₽25371
₽41959
₽34646
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.

-
-
-
95 000
income
-
-
-
19 341
health
-
-
-
9 348
unemployment
-
-
-
143
pensions
-
-
-
17 349
total
-
-
-
46 181
Employee

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

38 658
-
82 201
-
income
6 666
-
17 939
-
health
2 497
-
5 310
-
unemployment
55
-
114
-
pensions
5 992
-
12 741
-
total
15 210
-
36 104
-
Employer

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

38 658
-
82 201
-
unemployment
23
-
50
-
pensions
3 421
-
7 275
-
health
2 575
-
5 475
-
total
6 019
-
12 800
-
Corporate
50 324
95 000
-
-
income
9 562
18 050
-
-
total
9 562
18 050
-
-
Dividends
40 761
76 950
-
-
withholding
6 115
11 543
-
-
total
6 115
11 543
-
-
Income
95 000
95 000
95 000
95 000
Total tax
36 906
29 593
48 904
46 181
After tax
58 094
65 407
46 096
48 819
Living cost
23 448
23 448
23 448
23 448
Free-cash
34 646
41 959
22 648
25 371

Estimated living cost  is ₽23448 per week

₽16092
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1503
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽455
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5400
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
₽38155
₽32670
₽25396
₽28453
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.

-
-
-
95 000
income
-
-
-
24 884
health

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

-
-
-
5 712
total
-
-
-
30 596
Employee
40 103
-
90 979
-
social contributions
4 018
-
4 021
-
income
4 351
-
17 069
-
total
8 369
-
21 090
-
Employer
40 103
-
90 979
-
social contributions
4 018
-
4 021
-
total
4 018
-
4 021
-
Corporate
50 879
95 000
-
-
income
17 807
33 251
-
-
total
17 807
33 251
-
-
Dividends
33 071
61 749
-
-
social contributions
4 619
4 619
-
-
total
4 619
4 619
-
-
Income
95 000
95 000
95 000
95 000
Total tax
34 813
37 870
25 111
30 596
After tax
60 187
57 130
69 889
64 404
Living cost
31 734
31 734
31 734
31 734
Free-cash
28 453
25 396
38 155
32 670

Estimated living cost  is ₽31734 per week

₽20903
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2502
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽486
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7842
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
₽42245
₽42470
₽39423
₽39876
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
-
-
-
95 000
income
-
-
-
14 251
social contributions
-
-
-
13 111
health
-
-
-
6 631
total
-
-
-
33 993
Employee
29 641
-
95 000
-
income
4 944
-
14 476
-
social contributions
4 091
-
13 111
-
health
2 069
-
6 631
-
total
11 104
-
34 218
-
Employer
29 641
-
95 000
-
total
-
-
-
-
Corporate
65 359
95 000
-
-
income

The standard tax rate is 15%. However, small companies and agricultural companies can apply a reduced corporate income tax rate of 0% to the first year of operation when certain conditions are met; and 5% to revenues of less than €300,000 per year. We made calculations based on 5% and skipped 0%.

3 268
4 750
-
-
total
3 268
4 750
-
-
Dividends
62 091
90 250
-
-
withholding
9 313
13 537
-
-
health
4 333
6 299
-
-
social contributions
8 569
12 454
-
-
total
22 215
32 290
-
-
Income
95 000
95 000
95 000
95 000
Total tax
36 587
37 040
34 218
33 993
After tax
58 413
57 960
60 782
61 007
Living cost
18 537
18 537
18 537
18 537
Free-cash
39 876
39 423
42 245
42 470

Estimated living cost  is ₽18537 per week

₽12406
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1143
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.
₽4560
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
₽24566
₽22738
₽41765
₽33330
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
-
-
-
95 000
income
-
-
-
8 185
social contributions
-
-
-
27 609
solidarity contribution
-
-
-
-
health
-
-
-
12 825
total
-
-
-
48 619
Employee
34 770
-
70 896
-
solidarity contribution
-
-
-
-
income
4 172
-
8 507
-
social contributions
2 260
-
4 608
-
health
4 694
-
9 571
-
total
11 126
-
22 686
-
Employer
34 770
-
70 896
-
social contributions
8 692
-
17 724
-
health
3 129
-
6 381
-
total
11 821
-
24 105
-
Corporate
48 409
95 000
-
-
income
9 198
18 050
-
-
total
9 198
18 050
-
-
Dividends
39 211
76 950
-
-
withholding
5 882
11 542
-
-
total
5 882
11 542
-
-
Income
95 000
95 000
95 000
95 000
Total tax
38 027
29 592
46 791
48 619
After tax
56 973
65 408
48 209
46 381
Living cost
23 643
23 643
23 643
23 643
Free-cash
33 330
41 765
24 566
22 738

Estimated living cost  is ₽23643 per week

₽17583
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1310
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽409
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.
₽4342
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
₽66200
₽84250
₽80450
₽78613
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%.

-
-
-
95 000
microenterprise

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

-
-
-
950
total
-
-
-
950
Employee
12 251
-
95 000
-
income
2 450
-
19 000
-
total
2 450
-
19 000
-
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%.

82 749
95 000
-
-
total
-
-
-
-
Dividends
82 749
95 000
-
-
withholding
4 137
4 750
-
-
total
4 137
4 750
-
-
Income
95 000
95 000
95 000
95 000
Total tax
6 587
4 750
19 000
950
After tax
88 413
90 250
76 000
94 050
Living cost
9 800
9 800
9 800
9 800
Free-cash
78 613
80 450
66 200
84 250

Estimated living cost  is ₽9800 per week

₽6632
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽411
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽329
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.
₽2428
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
₽16495
₽12267
₽5657
₽11667
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
-
-
-
95 000
income
-
-
-
10 121
social contributions
-
-
-
2 706
health
-
-
-
2 177
surtax
-
-
-
-
pensions
-
-
-
22 561
other
-
-
-
2 945
total
-
-
-
40 510
Employee
54 753
-
76 722
-
income
4 777
-
11 893
-
social contributions
1 559
-
2 185
-
surtax
-
-
-
-
pensions
6 193
-
3 925
-
total
12 529
-
18 003
-
Employer
54 753
-
76 722
-
unemployment
2 218
-
3 107
-
social contributions
164
-
231
-
pensions
8 997
-
6 862
-
other
1 890
-
2 648
-
health
3 832
-
5 431
-
total
17 101
-
18 279
-
Corporate
23 146
95 000
-
-
income
6 482
26 600
-
-
surtax
-
-
-
-
total
6 482
26 600
-
-
Dividends
16 665
68 400
-
-
withholding
2 133
8 756
-
-
surtax
-
-
-
-
social contributions
2 865
11 764
-
-
total
4 998
20 520
-
-
Income
95 000
95 000
95 000
95 000
Total tax
41 110
47 120
36 282
40 510
After tax
53 890
47 880
58 718
54 490
Living cost
42 223
42 223
42 223
42 223
Free-cash
11 667
5 657
16 495
12 267

Estimated living cost  is ₽42223 per week

₽28576
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3454
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽579
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.
₽9614
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
₽36134
₽36133
₽53564
₽49275
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.

-
-
-
95 000
income
-
-
-
19 444
health
-
-
-
6 635
unemployment
-
-
-
966
pensions
-
-
-
16 748
total
-
-
-
43 793
Employee

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

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

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

22 730
-
83 469
-
income
3 133
-
19 444
-
health
1 171
-
3 317
-
unemployment
170
-
483
-
pensions
3 182
-
9 018
-
total
7 656
-
32 262
-
Employer

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

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

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

22 730
-
83 469
-
unemployment
170
-
483
-
pensions
2 728
-
7 730
-
health
1 171
-
3 317
-
total
4 069
-
11 530
-
Corporate
68 201
95 000
-
-
income
10 230
14 250
-
-
total
10 230
14 250
-
-
Dividends
57 971
80 750
-
-
withholding
8 696
12 112
-
-
total
8 696
12 112
-
-
Income
95 000
95 000
95 000
95 000
Total tax
30 651
26 362
43 792
43 793
After tax
64 349
68 638
51 208
51 207
Living cost
15 074
15 074
15 074
15 074
Free-cash
49 275
53 564
36 134
36 133

Estimated living cost  is ₽15074 per week

₽10149
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1166
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽436
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.
₽3322
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
₽12811
₽17524
-₽17660
₽8483
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
-
-
-
95 000
regional
-
-
-
3 672
national
-
-
-
849
health
-
-
-
213
city
-
-
-
1 001
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.

-
-
-
1 900
pensions
-
-
-
8 741
total
-
-
-
16 376
Employee
71 502
-
85 030
-
regional
2 341
-
3 156
-
city
767
-
913
-
health
162
-
191
-
unemployment
-
-
-
-
national
338
-
653
-
pensions
6 007
-
7 142
-
total
9 615
-
12 055
-
Employer
71 502
-
85 030
-
unemployment
-
-
-
-
pensions
6 007
-
7 142
-
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.

1 430
-
1 701
-
health
162
-
191
-
total
7 599
-
9 034
-
Corporate
15 113
95 000
-
-
regional
3 197
20 093
-
-
national
1 285
8 075
-
-
total
4 482
28 168
-
-
Dividends
10 631
66 832
-
-
withholding
3 721
23 392
-
-
total
3 721
23 392
-
-
Income
95 000
95 000
95 000
95 000
Total tax
25 417
51 560
21 089
16 376
After tax
69 583
43 440
73 911
78 624
Living cost
61 100
61 100
61 100
61 100
Free-cash
8 483
-17 660
12 811
17 524

Estimated living cost  is ₽61100 per week

₽39732
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5483
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽750
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.
₽15134
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
₽20021
₽33049
₽29022
₽27908
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

-
-
-
95 000
municipal
-
-
-
16 902
national
-
-
-
10 388
health
-
-
-
1 098
total
-
-
-
28 388
Employee
45 994
-
79 920
-
health
343
-
866
-
unemployment
690
-
1 199
-
national
760
-
5 833
-
municipal
7 533
-
13 043
-
pensions
3 104
-
5 395
-
total
12 430
-
26 336
-
Employer
45 994
-
79 920
-
unemployment
299
-
519
-
pensions
7 980
-
13 866
-
accident
46
-
80
-
health
353
-
615
-
total
8 678
-
15 080
-
Corporate
40 328
95 000
-
-
income
8 066
19 000
-
-
total
8 066
19 000
-
-
Dividends

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

24 197
57 000
-
-
national
-
3 154
-
-
municipal
4 355
10 261
-
-
total
4 355
13 415
-
-
Income
95 000
95 000
95 000
95 000
Total tax
33 529
32 415
41 416
28 388
After tax
61 471
62 585
53 584
66 612
Living cost
33 563
33 563
33 563
33 563
Free-cash
27 908
29 022
20 021
33 049

Estimated living cost  is ₽33563 per week

₽21923
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.
₽534
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.
₽7878
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
₽4703
₽11820
₽21377
₽8267
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
-
-
-
95 000
national
-
-
-
31 290
social contributions
-
-
-
15 229
communal

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

-
-
-
4 786
total
-
-
-
51 305
Employee

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

62 532
-
73 579
-
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.

2 938
-
3 459
-
communal

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

3 262
-
3 837
-
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.

544
-
640
-
national
19 225
-
23 547
-
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.

4 690
-
5 518
-
total
30 659
-
37 001
-
Employer

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

62 532
-
73 579
-
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.

912
-
1 075
-
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.

5 541
-
6 520
-
surtax
7 090
-
8 345
-
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.

813
-
957
-
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.

3 845
-
4 524
-
total
18 201
-
21 421
-
Corporate
14 265
95 000
-
-
income
2 853
19 000
-
-
surtax
56
380
-
-
total
2 909
19 380
-
-
Dividends
11 356
75 620
-
-
withholding

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

3 089
22 368
-
-
total
3 089
22 368
-
-
Income
95 000
95 000
95 000
95 000
Total tax
54 858
41 748
58 422
51 305
After tax
40 142
53 252
36 578
43 695
Living cost
31 875
31 875
31 875
31 875
Free-cash
8 267
21 377
4 703
11 820

Estimated living cost  is ₽31875 per week

₽20531
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2787
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.
₽8058
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
₽15015
₽15041
₽16154
₽15351
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
-
-
-
95 000
municipal
-
-
-
21 567
national
-
-
-
-
health
-
-
-
4 884
accident
-
-
-
156
unemployment
-
-
-
78
pensions
-
-
-
8 462
other
-
-
-
9 096
total
-
-
-
44 243
Employee
50 892
-
72 287
-
national
-
-
-
-
municipal
15 176
-
21 556
-
total
15 176
-
21 556
-
Employer
50 892
-
72 287
-
unemployment
1 344
-
1 908
-
pensions
5 501
-
7 814
-
other
5 914
-
8 400
-
accident
102
-
145
-
health
3 130
-
4 446
-
total
15 991
-
22 713
-
Corporate
28 118
95 000
-
-
income
6 186
20 900
-
-
total
6 186
20 900
-
-
Dividends
21 932
74 100
-
-
withholding
6 580
22 230
-
-
total
6 580
22 230
-
-
Income
95 000
95 000
95 000
95 000
Total tax
43 933
43 130
44 269
44 243
After tax
51 067
51 870
50 731
50 757
Living cost
35 716
35 716
35 716
35 716
Free-cash
15 351
16 154
15 015
15 041

Estimated living cost  is ₽35716 per week

₽23671
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3505
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽542
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.
₽7998
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
₽44580
₽27013
₽19158
-₽38524
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
-
-
-
95 000
income
-
-
-
18 517
social contributions
-
-
-
10 830
total
-
-
-
29 347
Employee
55 404
-
-
-
income
12 221
-
-
-
social contributions
4 543
-
647
-
total
16 764
-
647
-
Employer
55 404
-
-
-
social contributions
78 120
-
11 133
-
total
78 120
-
11 133
-
Corporate
-
95 000
-
-
income
-
20 900
-
-
total
-
20 900
-
-
Dividends
-
74 100
-
-
income
-
16 302
-
-
total
-
16 302
-
-
Income
95 000
95 000
95 000
95 000
Total tax
94 884
37 202
11 780
29 347
After tax
116
57 798
83 220
65 653
Living cost
38 640
38 640
38 640
38 640
Free-cash
-38 524
19 158
44 580
27 013

Estimated living cost  is ₽38640 per week

₽25071
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3634
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽492
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.
₽9442
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
₽37907
₽38476
₽41140
₽37514
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
-
-
-
95 000
income
-
-
-
11 603
social contributions
-
-
-
14 144
health
-
-
-
2 422
total
-
-
-
28 169
Employee
67 222
67 222
86 246
-
income
7 059
6 223
11 359
-
social contributions
3 267
5 579
7 158
-
health
669
1 143
1 467
-
total
10 995
12 945
19 984
-
Employer
67 222
67 222
86 246
-
social contributions
3 267
5 579
7 158
-
health
728
1 244
1 596
-
total
3 995
6 823
8 754
-
Corporate
51 656
20 955
-
-
income
6 457
2 620
-
-
total
6 457
2 620
-
-
Dividends
45 200
18 335
-
-
withholding
7 684
3 117
-
-
total
7 684
3 117
-
-
Income
95 000
95 000
95 000
95 000
Total tax
29 131
25 505
28 738
28 169
After tax
65 869
69 495
66 262
66 831
Living cost
28 355
28 355
28 355
28 355
Free-cash
37 514
41 140
37 907
38 476

Estimated living cost  is ₽28355 per week

₽19383
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2215
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.
₽6281
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
₽26778
₽35434
₽36435
₽34627
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
-
-
-
95 000
income
-
-
-
21 258
pensions
-
-
-
6 576
total
-
-
-
27 834
Employee
43 557
-
83 503
-
income
7 932
-
15 488
-
health
568
-
1 387
-
pensions
3 324
-
8 118
-
total
11 824
-
24 993
-
Employer
43 557
-
83 503
-
pensions
4 401
-
9 911
-
health
828
-
1 586
-
total
5 229
-
11 497
-
Corporate
46 214
95 000
-
-
income

It is proposed for this rate to fall to 17% from the financial year starting on 1 April, 2020. Also, where the taxable profits can be attributed to the exploitation of patents, a lower rate of 10% applies.

8 781
18 051
-
-
total
8 781
18 051
-
-
Dividends
37 434
76 949
-
-
withholding
2 807
8 782
-
-
total
2 807
8 782
-
-
Income
95 000
95 000
95 000
95 000
Total tax
28 641
26 833
36 490
27 834
After tax
66 359
68 167
58 510
67 166
Living cost
31 732
31 732
31 732
31 732
Free-cash
34 627
36 435
26 778
35 434

Estimated living cost  is ₽31732 per week

₽21768
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2918
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽397
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6647
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
₽8082
₽12428
₽15214
₽11236
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
-
-
-
95 000
municipal
-
-
-
635
regional
-
-
-
1 967
national
-
-
-
20 711
social contributions
-
-
-
24 433
total
-
-
-
47 746
Employee
73 666
-
95 000
-
regional
1 112
-
1 668
-
social contributions
24 840
-
32 035
-
national
12 449
-
17 822
-
municipal
440
-
567
-
total
38 841
-
52 092
-
Employer
73 666
-
95 000
-
total
-
-
-
-
Corporate
21 334
95 000
-
-
nationa
5 120
22 799
-
-
municipal
1 029
4 579
-
-
total
6 149
27 378
-
-
Dividends
15 186
67 622
-
-
withholding
3 948
17 582
-
-
total
3 948
17 582
-
-
Income
95 000
95 000
95 000
95 000
Total tax
48 938
44 960
52 092
47 746
After tax
46 062
50 040
42 908
47 254
Living cost
34 826
34 826
34 826
34 826
Free-cash
11 236
15 214
8 082
12 428

Estimated living cost  is ₽34826 per week

₽24463
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2396
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽526
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.
₽7440
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
₽31847
₽47096
-₽10328
₽4930
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
-
-
-
95 000
income
-
-
-
24 174
health
-
-
-
1 787
accident
-
-
-
207
pensions
-
-
-
3 409
other
-
-
-
304
total
-
-
-
29 881
Employee
28 351
-
82 572
-
income
3 890
-
16 998
-
health
3 246
-
9 454
-
pensions
3 192
-
6 250
-
total
10 328
-
32 702
-
Employer
28 351
-
82 572
-
unemployment
695
-
2 023
-
pensions
4 610
-
9 026
-
accident
473
-
1 379
-
total
5 778
-
12 428
-
Corporate
60 871
95 000
-
-
income

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

54 784
85 500
-
-
total
54 784
85 500
-
-
Dividends
6 087
9 500
-
-
withholding
1 157
1 805
-
-
total
1 157
1 805
-
-
Income
95 000
95 000
95 000
95 000
Total tax
72 047
87 305
45 130
29 881
After tax
22 953
7 695
49 870
65 119
Living cost
18 023
18 023
18 023
18 023
Free-cash
4 930
-10 328
31 847
47 096

Estimated living cost  is ₽18023 per week

₽13209
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽999
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽376
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3439
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
₽32868
₽25068
₽15237
₽26672
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.

-
-
-
95 000
income

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

-
-
-
21 241
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.

-
-
-
5 972
trade
-
-
-
7 800
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.

-
-
-
1 168
total
-
-
-
36 181
Employee

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

43 497
-
95 000
-
income

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

3 577
-
21 241
-
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.

5 972
-
5 972
-
surtax

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

197
-
1 168
-
total
9 746
-
28 381
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
51 503
95 000
-
-
chamber of commerce
209
272
-
-
income
7 726
14 251
-
-
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.

425
783
-
-
trade
7 391
13 632
-
-
total
15 751
28 938
-
-
Dividends
35 753
66 063
-
-
withholding
8 607
16 183
-
-
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.

473
891
-
-
total
9 080
17 074
-
-
Income
95 000
95 000
95 000
95 000
Total tax
34 577
46 012
28 381
36 181
After tax
60 423
48 988
66 619
58 819
Living cost
33 751
33 751
33 751
33 751
Free-cash
26 672
15 237
32 868
25 068

Estimated living cost  is ₽33751 per week

₽23282
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3631
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽489
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.
₽6347
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
₽35272
₽32441
₽57813
₽50642
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.

-
-
-
95 000
microenterprise
-
-
-
-
income
-
-
-
13 829
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.

-
-
-
30 543
surtax
-
-
-
-
total
-
-
-
44 372
Employee
25 545
-
76 557
-
income
4 547
-
14 677
-
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.

2 810
-
8 421
-
surtax
-
-
-
-
total
7 357
-
23 098
-
Employer
25 545
-
76 557
-
social contributions

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

6 153
-
18 443
-
surtax
-
-
-
-
total
6 153
-
18 443
-
Corporate
63 302
95 000
-
-
income

Corporate income tax rate is 20% applicable to the taxable base. However, before applying the statutory rate, the taxable base should be divided by a coefficient of 0.8. As taxable base is increased by the coefficient, the effective corporate income tax rate is 25%.

12 661
19 000
-
-
total
12 661
19 000
-
-
Dividends

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

50 641
76 000
-
-
total
-
-
-
-
Income
95 000
95 000
95 000
95 000
Total tax
26 171
19 000
41 541
44 372
After tax
68 829
76 000
53 459
50 628
Living cost
18 187
18 187
18 187
18 187
Free-cash
50 642
57 813
35 272
32 441

Estimated living cost  is ₽18187 per week

₽11603
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1732
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽413
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.
₽4439
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
₽42921
₽43728
₽47926
₽46061
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
-
-
-
95 000
income
-
-
-
25 632
health
-
-
-
6 004
pensions
-
-
-
8 282
total
-
-
-
39 918
Employee
17 293
-
85 683
-
income
3 345
-
25 197
-
health
865
-
2 070
-
unemployment
173
-
414
-
pensions
1 556
-
3 727
-
total
5 939
-
31 408
-
Employer
17 293
-
85 683
-
unemployment
346
-
828
-
pensions
1 902
-
4 555
-
health
1 643
-
3 934
-
total
3 891
-
9 317
-
Corporate
73 816
95 000
-
-
income
16 240
20 900
-
-
total
16 240
20 900
-
-
Dividends
57 577
74 100
-
-
withholding
11 515
14 820
-
-
total
11 515
14 820
-
-
Income
95 000
95 000
95 000
95 000
Total tax
37 585
35 720
40 725
39 918
After tax
57 415
59 280
54 275
55 082
Living cost
11 354
11 354
11 354
11 354
Free-cash
46 061
47 926
42 921
43 728

Estimated living cost  is ₽11354 per week

₽6747
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽920
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽260
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3426
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
₽26614
₽28219
₽40120
₽37339
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
-
-
-
95 000
income
-
-
-
18 799
health
-
-
-
6 745
unemployment
-
-
-
199
surtax
-
-
-
2 402
pensions
-
-
-
19 000
other
-
-
-
-
total
-
-
-
47 145
Employee
29 440
-
78 480
-
other
-
-
-
-
income
4 935
-
17 371
-
health
752
-
2 001
-
unemployment
2 049
-
5 463
-
surtax
105
-
2 162
-
pensions
1 964
-
5 234
-
total
9 805
-
32 231
-
Employer
29 440
-
78 480
-
unemployment
934
-
2 488
-
pensions
3 925
-
10 461
-
other
-
-
-
-
health
1 339
-
3 570
-
total
6 198
-
16 519
-
Corporate
59 362
95 000
-
-
income
15 433
24 700
-
-
total
15 433
24 700
-
-
Dividends
43 929
70 300
-
-
withholding
6 589
10 544
-
-
total
6 589
10 544
-
-
Income
95 000
95 000
95 000
95 000
Total tax
38 025
35 244
48 750
47 145
After tax
56 975
59 756
46 250
47 855
Living cost
19 636
19 636
19 636
19 636
Free-cash
37 339
40 120
26 614
28 219

Estimated living cost  is ₽19636 per week

₽11855
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1707
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽456
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5619
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
-₽15
₽19763
₽25332
₽24898
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
-
-
-
95 000
income
-
-
-
16 762
chamber of commerce
-
-
-
380
health
-