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
₽ 95500
per

Your estimated
City
free-cash

Valencia , Spain
₽38798
₽27707
₽31451
₽42739
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
-
-
-
95 500
unemployment
-
-
-
506
income
-
-
-
20 966
other
-
-
-
72
accident
-
-
-
650
pensions
-
-
-
20 433
total
-
-
-
42 627
Employee
28 805
-
72 481
-
unemployment
446
-
1 119
-
pensions
1 354
-
3 394
-
income
5 553
-
18 766
-
other
28
-
72
-
total
7 381
-
23 351
-
Employer
28 805
-
72 481
-
pensions
6 797
-
17 041
-
accident
571
-
1 430
-
unemployment
1 585
-
3 971
-
other
231
-
578
-
total
9 184
-
23 020
-
Corporate
57 512
95 500
-
-
income

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

8 627
14 325
-
-
total
8 627
14 325
-
-
Dividends
48 885
81 175
-
-
withholding
10 088
17 014
-
-
total
10 088
17 014
-
-
Income
95 500
95 500
95 500
95 500
Total tax
35 280
31 339
46 371
42 627
After tax
60 220
64 161
49 129
52 873
Living cost
21 422
21 422
21 422
21 422
Free-cash
38 798
42 739
27 707
31 451

Estimated living cost  is ₽21422 per week

₽14459
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2059
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.
₽4528
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
₽44146
₽34370
₽30420
₽49407
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
-
-
-
95 500
pensions

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

-
-
-
22 920
income
-
-
-
12 665
other
-
-
-
4 537
health
-
-
-
4 201
total
-
-
-
44 323
Employee
28 285
-
76 277
-
health
396
-
1 067
-
unemployment
282
-
763
-
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.

1 979
-
5 340
-
income
4 870
-
13 980
-
total
7 527
-
21 150
-
Employer
28 285
-
76 277
-
health
396
-
1 067
-
pensions

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

4 809
-
12 968
-
accident
226
-
611
-
unemployment
282
-
763
-
other
1 415
-
3 814
-
total
7 128
-
19 223
-
Corporate
60 087
95 500
-
-
income
12 619
20 055
-
-
total
12 619
20 055
-
-
Dividends
47 468
75 445
-
-
withholding
3 323
5 281
-
-
total
3 323
5 281
-
-
Income
95 500
95 500
95 500
95 500
Total tax
30 597
25 336
40 373
44 323
After tax
64 903
70 164
55 127
51 177
Living cost
20 757
20 757
20 757
20 757
Free-cash
44 146
49 407
34 370
30 420

Estimated living cost  is ₽20757 per week

₽14666
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1401
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽334
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.
₽4355
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
₽67836
₽67013
₽63715
₽71451
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
-
-
-
95 500
pensions

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

-
-
-
4 023
unemployment
-
-
-
109
income
-
-
-
14 325
health
-
-
-
3 126
total
-
-
-
21 583
Employee
13 509
-
90 167
-
health
621
-
1 250
-
accident

We are using the highest rate at 1.1%.

149
-
299
-
pensions

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

1 186
-
2 387
-
income
1 351
-
9 017
-
total
3 307
-
12 953
-
Employer
13 509
-
90 167
-
health
932
-
1 875
-
pensions

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

1 489
-
2 995
-
accident

We are using the highest rate at 1.1%.

149
-
299
-
unemployment
81
-
163
-
total
2 651
-
5 332
-
Corporate
79 340
95 500
-
-
income
7 934
9 550
-
-
total
7 934
9 550
-
-
Dividends
71 406
85 950
-
-
withholding
3 570
4 297
-
-
total
3 570
4 297
-
-
Income
95 500
95 500
95 500
95 500
Total tax
17 462
13 847
18 285
21 583
After tax
78 038
81 653
77 215
73 917
Living cost
10 202
10 202
10 202
10 202
Free-cash
67 836
71 451
67 013
63 715

Estimated living cost  is ₽10202 per week

₽5956
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽729
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽270
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.
₽3247
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
₽26081
₽30476
₽27841
₽21479
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
-
-
-
95 500
income
-
-
-
11 584
other
-
-
-
2 961
health
-
-
-
2 736
social contributions
-
-
-
2 720
pensions
-
-
-
21 006
surtax
-
-
-
-
total
-
-
-
41 007
Employee
33 340
-
76 270
-
pensions
3 770
-
4 297
-
income
1 968
-
12 673
-
social contributions
951
-
2 173
-
surtax
-
-
-
-
total
6 689
-
19 143
-
Employer
33 340
-
76 270
-
health
2 334
-
5 867
-
social contributions
101
-
229
-
pensions
5 477
-
7 414
-
unemployment
1 350
-
3 088
-
other
1 150
-
2 631
-
total
10 412
-
19 229
-
Corporate
51 748
95 500
-
-
income
14 489
26 740
-
-
surtax
-
-
-
-
total
14 489
26 740
-
-
Dividends
37 259
68 760
-
-
social contributions
6 408
11 827
-
-
surtax
-
-
-
-
withholding
4 769
8 802
-
-
total
11 177
20 629
-
-
Income
95 500
95 500
95 500
95 500
Total tax
42 767
47 369
38 372
41 007
After tax
52 733
48 131
57 128
54 493
Living cost
26 652
26 652
26 652
26 652
Free-cash
26 081
21 479
30 476
27 841

Estimated living cost  is ₽26652 per week

₽16805
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2167
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.
₽7227
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
₽9252
₽19093
₽22204
₽14026
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
-
-
-
95 500
pensions
-
-
-
9 127
income
-
-
-
21 929
health
-
-
-
9 606
total
-
-
-
40 662
Employee
66 524
66 524
81 270
-
health
10 211
8 685
9 526
-
pensions
11 974
9 127
9 127
-
income

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

10 889
10 889
10 889
-
total
33 074
28 701
29 542
-
Employer
66 524
66 524
81 270
-
health
4 624
4 624
5 649
-
pensions
4 630
4 630
5 656
-
unemployment
2 395
2 395
2 926
-
total
11 649
11 649
14 231
-
Corporate
18 143
17 327
-
-
income
3 629
3 465
-
-
total
3 629
3 465
-
-
Dividends
14 513
13 861
-
-
income
3 084
2 946
-
-
withholding
2 178
2 079
-
-
total
5 262
5 025
-
-
Income
95 500
95 500
95 500
95 500
Total tax
53 614
48 840
43 773
40 662
After tax
41 886
46 660
51 727
54 838
Living cost
32 634
32 634
32 634
32 634
Free-cash
9 252
14 026
19 093
22 204

Estimated living cost  is ₽32634 per week

₽23127
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2942
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽519
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.
₽6046
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
₽33254
₽40320
₽30983
₽24639
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.

-
-
-
95 500
trade
-
-
-
9 337
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.

-
-
-
24 893
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.

-
-
-
5 322
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.

-
-
-
1 369
total
-
-
-
40 921
Employee

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

29 796
-
95 500
-
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.

5 322
-
5 322
-
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.

832
-
24 893
-
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.

46
-
1 369
-
total
6 200
-
31 584
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
65 704
95 500
-
-
income
9 856
14 325
-
-
trade
10 348
15 042
-
-
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.

543
788
-
-
chamber of commerce
213
256
-
-
total
20 960
30 411
-
-
Dividends
44 745
65 090
-
-
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.

599
878
-
-
withholding
10 891
15 976
-
-
total
11 490
16 854
-
-
Income
95 500
95 500
95 500
95 500
Total tax
38 650
47 265
31 584
40 921
After tax
56 850
48 235
63 916
54 579
Living cost
23 596
23 596
23 596
23 596
Free-cash
33 254
24 639
40 320
30 983

Estimated living cost  is ₽23596 per week

₽14842
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2751
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽441
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5561
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
₽47528
₽47888
₽48916
₽51766
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
-
-
-
95 500
income
-
-
-
13 509
health
-
-
-
2 435
social contributions
-
-
-
12 604
total
-
-
-
28 548
Employee
59 902
59 902
87 182
-
health
464
1 019
1 483
-
income
6 522
5 545
13 068
-
social contributions
2 265
4 972
6 706
-
total
9 251
11 536
21 257
-
Employer
59 902
59 902
87 182
-
health
504
1 109
1 613
-
social contributions
2 265
4 972
6 706
-
total
2 769
6 081
8 319
-
Corporate
65 444
29 518
-
-
income
8 181
3 690
-
-
total
8 181
3 690
-
-
Dividends
57 263
25 828
-
-
withholding
9 735
4 391
-
-
total
9 735
4 391
-
-
Income
95 500
95 500
95 500
95 500
Total tax
29 936
25 698
29 576
28 548
After tax
65 564
69 802
65 924
66 952
Living cost
18 036
18 036
18 036
18 036
Free-cash
47 528
51 766
47 888
48 916

Estimated living cost  is ₽18036 per week

₽10809
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1770
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽399
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.
₽5059
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
₽29102
₽22147
₽28102
₽29885
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.

-
-
-
95 500
income
-
-
-
9 776
social contributions

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

-
-
-
33 187
surtax
-
-
-
-
total
-
-
-
42 963
Employee
35 828
-
77 172
-
income
7 452
-
22 102
-
social contributions
3 941
-
8 488
-
surtax
-
-
-
-
total
11 393
-
30 590
-
Employer
35 828
-
77 172
-
social contributions
8 509
-
18 328
-
total
8 509
-
18 328
-
Corporate
51 162
95 500
-
-
income
10 744
20 055
-
-
surtax
-
-
-
-
total
10 744
20 055
-
-
Dividends
40 418
75 445
-
-
withholding
11 317
21 125
-
-
total
11 317
21 125
-
-
Income
95 500
95 500
95 500
95 500
Total tax
41 963
41 180
48 918
42 963
After tax
53 537
54 320
46 582
52 537
Living cost
24 435
24 435
24 435
24 435
Free-cash
29 102
29 885
22 147
28 102

Estimated living cost  is ₽24435 per week

₽18282
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1441
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽408
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4303
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
₽83992
₽70730
₽88875
₽85055
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%.

-
-
-
95 500
microenterprise

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

-
-
-
955
total
-
-
-
955
Employee
7 087
-
95 500
-
income
1 417
-
19 100
-
total
1 417
-
19 100
-
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%.

88 413
95 500
-
-
total
-
-
-
-
Dividends
88 413
95 500
-
-
withholding
4 421
4 775
-
-
total
4 421
4 775
-
-
Income
95 500
95 500
95 500
95 500
Total tax
5 838
4 775
19 100
955
After tax
89 662
90 725
76 400
94 545
Living cost
5 670
5 670
5 670
5 670
Free-cash
83 992
85 055
70 730
88 875

Estimated living cost  is ₽5670 per week

₽3514
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽471
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽156
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.
₽1529
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
₽38342
₽25006
₽27742
₽44857
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.

-
-
-
95 500
pensions
-
-
-
17 441
unemployment
-
-
-
143
income
-
-
-
19 881
health
-
-
-
9 398
total
-
-
-
46 863
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.

34 448
-
82 633
-
health
2 225
-
5 338
-
unemployment
49
-
115
-
pensions
5 340
-
12 808
-
income
5 940
-
18 471
-
total
13 554
-
36 732
-
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.

34 448
-
82 633
-
health
2 294
-
5 504
-
pensions
3 048
-
7 313
-
unemployment
21
-
50
-
total
5 363
-
12 867
-
Corporate
55 689
95 500
-
-
income
10 580
18 145
-
-
total
10 580
18 145
-
-
Dividends
45 108
77 355
-
-
withholding
6 766
11 603
-
-
total
6 766
11 603
-
-
Income
95 500
95 500
95 500
95 500
Total tax
36 263
29 748
49 599
46 863
After tax
59 237
65 752
45 901
48 637
Living cost
20 895
20 895
20 895
20 895
Free-cash
38 342
44 857
25 006
27 742

Estimated living cost  is ₽20895 per week

₽14340
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1339
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽405
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.
₽4812
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
₽32403
₽42134
₽40078
₽29681
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.

-
-
-
95 500
income
-
-
-
22 175
health

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

-
-
-
4 969
total
-
-
-
27 144
Employee
35 736
-
91 917
-
social contributions
3 580
-
3 583
-
income
3 878
-
17 922
-
total
7 458
-
21 505
-
Employer
35 736
-
91 917
-
social contributions
3 580
-
3 583
-
total
3 580
-
3 583
-
Corporate
56 183
95 500
-
-
income
19 665
33 425
-
-
total
19 665
33 425
-
-
Dividends
36 519
62 075
-
-
social contributions
4 116
4 116
-
-
total
4 116
4 116
-
-
Income
95 500
95 500
95 500
95 500
Total tax
34 819
37 541
25 088
27 144
After tax
60 681
57 959
70 412
68 356
Living cost
28 278
28 278
28 278
28 278
Free-cash
32 403
29 681
42 134
40 078

Estimated living cost  is ₽28278 per week

₽18627
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2229
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽433
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.
₽6988
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
₽42149
₽44068
₽44811
₽41744
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
-
-
-
95 500
income
-
-
-
14 325
health
-
-
-
6 666
social contributions
-
-
-
13 179
total
-
-
-
34 170
Employee
26 413
-
95 500
-
health
1 843
-
6 666
-
income
4 405
-
15 068
-
social contributions
3 646
-
13 179
-
total
9 894
-
34 913
-
Employer
26 413
-
95 500
-
total
-
-
-
-
Corporate
69 087
95 500
-
-
income

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

3 455
4 775
-
-
total
3 455
4 775
-
-
Dividends
65 632
90 725
-
-
social contributions
9 058
12 520
-
-
withholding
9 844
13 609
-
-
health
4 581
6 333
-
-
total
23 483
32 462
-
-
Income
95 500
95 500
95 500
95 500
Total tax
36 832
37 237
34 913
34 170
After tax
58 668
58 263
60 587
61 330
Living cost
16 519
16 519
16 519
16 519
Free-cash
42 149
41 744
44 068
44 811

Estimated living cost  is ₽16519 per week

₽11055
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1019
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽380
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.
₽4064
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
₽36114
₽26619
₽26688
₽43907
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
-
-
-
95 500
income
-
-
-
8 565
health
-
-
-
12 893
social contributions
-
-
-
25 509
solidarity contribution
-
-
-
-
total
-
-
-
46 967
Employee
32 125
-
71 269
-
health
4 337
-
9 621
-
solidarity contribution
-
-
-
-
income
3 855
-
8 552
-
social contributions
2 088
-
4 632
-
total
10 280
-
22 805
-
Employer
32 125
-
71 269
-
health
2 891
-
6 414
-
social contributions
8 031
-
17 817
-
total
10 922
-
24 231
-
Corporate
52 453
95 500
-
-
income
9 966
18 145
-
-
total
9 966
18 145
-
-
Dividends
42 487
77 355
-
-
withholding
6 373
11 603
-
-
total
6 373
11 603
-
-
Income
95 500
95 500
95 500
95 500
Total tax
37 541
29 748
47 036
46 967
After tax
57 959
65 752
48 464
48 533
Living cost
21 845
21 845
21 845
21 845
Free-cash
36 114
43 907
26 619
26 688

Estimated living cost  is ₽21845 per week

₽16245
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1210
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽378
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.
₽4012
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
₽80233
₽67565
₽85710
₽81890
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%.

-
-
-
95 500
microenterprise

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

-
-
-
955
total
-
-
-
955
Employee
11 044
-
95 500
-
income
2 209
-
19 100
-
total
2 209
-
19 100
-
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%.

84 456
95 500
-
-
total
-
-
-
-
Dividends
84 456
95 500
-
-
withholding
4 223
4 775
-
-
total
4 223
4 775
-
-
Income
95 500
95 500
95 500
95 500
Total tax
6 432
4 775
19 100
955
After tax
89 068
90 725
76 400
94 545
Living cost
8 835
8 835
8 835
8 835
Free-cash
80 233
81 890
67 565
85 710

Estimated living cost  is ₽8835 per week

₽5979
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽371
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽296
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.
₽2189
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
₽15860
₽19503
₽16868
₽10506
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
-
-
-
95 500
income
-
-
-
11 584
other
-
-
-
2 961
health
-
-
-
2 736
social contributions
-
-
-
2 720
pensions
-
-
-
21 006
surtax
-
-
-
-
total
-
-
-
41 007
Employee
48 791
-
76 270
-
pensions
5 519
-
4 297
-
income
4 257
-
12 673
-
social contributions
1 390
-
2 173
-
surtax
-
-
-
-
total
11 166
-
19 143
-
Employer
48 791
-
76 270
-
health
3 415
-
5 867
-
social contributions
146
-
229
-
pensions
8 017
-
7 414
-
unemployment
1 977
-
3 088
-
other
1 684
-
2 631
-
total
15 239
-
19 229
-
Corporate
31 471
95 500
-
-
income
8 812
26 740
-
-
surtax
-
-
-
-
total
8 812
26 740
-
-
Dividends
22 658
68 760
-
-
social contributions
3 898
11 827
-
-
surtax
-
-
-
-
withholding
2 900
8 802
-
-
total
6 798
20 629
-
-
Income
95 500
95 500
95 500
95 500
Total tax
42 015
47 369
38 372
41 007
After tax
53 485
48 131
57 128
54 493
Living cost
37 625
37 625
37 625
37 625
Free-cash
15 860
10 506
19 503
16 868

Estimated living cost  is ₽37625 per week

₽25464
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3078
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽516
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.
₽8567
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
₽51752
₽39755
₽39755
₽55573
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.

-
-
-
95 500
pensions
-
-
-
14 917
unemployment
-
-
-
861
income
-
-
-
20 632
health
-
-
-
5 909
total
-
-
-
42 319
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.

20 245
-
85 230
-
health
1 043
-
2 955
-
unemployment
152
-
430
-
pensions
2 834
-
8 032
-
income
2 791
-
20 632
-
total
6 820
-
32 049
-
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.

20 245
-
85 230
-
health
1 043
-
2 955
-
pensions
2 429
-
6 885
-
unemployment
152
-
430
-
total
3 624
-
10 270
-
Corporate
71 631
95 500
-
-
income
10 745
14 325
-
-
total
10 745
14 325
-
-
Dividends
60 886
81 175
-
-
withholding
9 133
12 176
-
-
total
9 133
12 176
-
-
Income
95 500
95 500
95 500
95 500
Total tax
30 322
26 501
42 319
42 319
After tax
65 178
68 999
53 181
53 181
Living cost
13 426
13 426
13 426
13 426
Free-cash
51 752
55 573
39 755
39 755

Estimated living cost  is ₽13426 per week

₽9040
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1038
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽388
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2959
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
₽13060
₽20328
₽24967
-₽9831
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
-
-
-
95 500
pensions
-
-
-
8 786
city
-
-
-
1 007
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.

-
-
-
1 910
health
-
-
-
214
regional
-
-
-
4 055
national
-
-
-
1 060
total
-
-
-
17 032
Employee
62 610
-
85 479
-
health
142
-
192
-
unemployment
-
-
-
-
city
672
-
918
-
pensions
5 260
-
7 180
-
regional
2 050
-
3 461
-
national
296
-
839
-
total
8 420
-
12 590
-
Employer
62 610
-
85 479
-
health
142
-
192
-
pensions
5 260
-
7 180
-
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.

1 252
-
1 709
-
total
6 654
-
9 081
-
Corporate
25 548
95 500
-
-
regional
5 403
20 198
-
-
national
2 171
8 117
-
-
total
7 574
28 315
-
-
Dividends
17 973
67 185
-
-
withholding
6 291
23 515
-
-
total
6 291
23 515
-
-
Income
95 500
95 500
95 500
95 500
Total tax
28 939
51 830
21 671
17 032
After tax
66 561
43 670
73 829
78 468
Living cost
53 501
53 501
53 501
53 501
Free-cash
13 060
-9 831
20 328
24 967

Estimated living cost  is ₽53501 per week

₽34791
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4801
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽657
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.
₽13252
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
₽32250
₽22844
₽35936
₽32246
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

-
-
-
95 500
municipal
-
-
-
16 984
health
-
-
-
1 146
national
-
-
-
11 526
total
-
-
-
29 656
Employee
40 985
-
80 341
-
health
306
-
912
-
unemployment
615
-
1 205
-
pensions
2 766
-
5 422
-
national
677
-
6 946
-
municipal
6 713
-
13 104
-
total
11 077
-
27 589
-
Employer
40 985
-
80 341
-
health
315
-
618
-
pensions
7 111
-
13 939
-
accident
41
-
80
-
unemployment
266
-
522
-
total
7 733
-
15 159
-
Corporate
46 782
95 500
-
-
income
9 356
19 100
-
-
total
9 356
19 100
-
-
Dividends

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

28 069
57 300
-
-
municipal
5 053
10 314
-
-
national
123
3 932
-
-
total
5 176
14 246
-
-
Income
95 500
95 500
95 500
95 500
Total tax
33 342
33 346
42 748
29 656
After tax
62 158
62 154
52 752
65 844
Living cost
29 908
29 908
29 908
29 908
Free-cash
32 250
32 246
22 844
35 936

Estimated living cost  is ₽29908 per week

₽19536
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2877
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.
₽7021
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
₽13410
₽7548
₽14573
₽25093
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
-
-
-
95 500
communal

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

-
-
-
4 816
social contributions
-
-
-
15 233
national
-
-
-
32 474
total
-
-
-
52 523
Employee

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

55 723
-
73 968
-
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.

2 618
-
3 476
-
communal

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

2 906
-
3 858
-
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.

485
-
643
-
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.

4 179
-
5 548
-
national
17 131
-
24 491
-
total
27 319
-
38 016
-
Employer

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

55 723
-
73 968
-
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.

3 427
-
4 549
-
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.

4 938
-
6 553
-
surtax
6 318
-
8 388
-
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.

724
-
961
-
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.

813
-
1 081
-
total
16 220
-
21 532
-
Corporate
23 557
95 500
-
-
income
4 711
19 100
-
-
surtax
95
381
-
-
total
4 806
19 481
-
-
Dividends
18 751
76 019
-
-
withholding

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

5 341
22 522
-
-
total
5 341
22 522
-
-
Income
95 500
95 500
95 500
95 500
Total tax
53 686
42 003
59 548
52 523
After tax
41 814
53 497
35 952
42 977
Living cost
28 404
28 404
28 404
28 404
Free-cash
13 410
25 093
7 548
14 573

Estimated living cost  is ₽28404 per week

₽18296
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2484
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.
₽7180
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
₽17791
₽16774
₽17525
₽18546
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
-
-
-
95 500
unemployment
-
-
-
74
municipal
-
-
-
22 117
other
-
-
-
8 556
health
-
-
-
4 595
national
-
-
-
929
accident
-
-
-
147
pensions
-
-
-
7 960
total
-
-
-
44 378
Employee
47 873
-
72 668
-
national
-
-
629
-
municipal
14 276
-
21 669
-
total
14 276
-
22 298
-
Employer
47 873
-
72 668
-
health
2 944
-
4 469
-
pensions
5 175
-
7 855
-
accident
96
-
145
-
unemployment
1 264
-
1 918
-
other
5 563
-
8 444
-
total
15 042
-
22 831
-
Corporate
32 585
95 500
-
-
income
7 169
21 010
-
-
total
7 169
21 010
-
-
Dividends
25 417
74 490
-
-
withholding
7 625
22 347
-
-
total
7 625
22 347
-
-
Income
95 500
95 500
95 500
95 500
Total tax
44 112
43 357
45 129
44 378
After tax
51 388
52 143
50 371
51 122
Living cost
33 597
33 597
33 597
33 597
Free-cash
17 791
18 546
16 774
17 525

Estimated living cost  is ₽33597 per week

₽22267
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3297
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽510
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.
₽7523
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
-₽32575
₽47137
₽28935
₽21039
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
-
-
-
95 500
income
-
-
-
18 615
social contributions
-
-
-
10 887
total
-
-
-
29 502
Employee
53 143
-
-
-
income
11 722
-
-
-
social contributions
4 358
-
621
-
total
16 080
-
621
-
Employer
53 143
-
-
-
social contributions
74 932
-
10 679
-
total
74 932
-
10 679
-
Corporate
-
95 500
-
-
income
-
21 010
-
-
total
-
21 010
-
-
Dividends
-
74 490
-
-
income
-
16 388
-
-
total
-
16 388
-
-
Income
95 500
95 500
95 500
95 500
Total tax
91 012
37 398
11 300
29 502
After tax
4 488
58 102
84 200
65 998
Living cost
37 063
37 063
37 063
37 063
Free-cash
-32 575
21 039
47 137
28 935

Estimated living cost  is ₽37063 per week

₽24048
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3486
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽472
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9057
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
₽41307
₽40657
₽41685
₽44535
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
-
-
-
95 500
income
-
-
-
13 509
health
-
-
-
2 435
social contributions
-
-
-
12 604
total
-
-
-
28 548
Employee
59 902
59 902
87 182
-
health
596
1 019
1 483
-
income
6 290
5 545
13 068
-
social contributions
2 911
4 972
6 706
-
total
9 797
11 536
21 257
-
Employer
59 902
59 902
87 182
-
health
649
1 109
1 613
-
social contributions
2 911
4 972
6 706
-
total
3 560
6 081
8 319
-
Corporate
56 876
29 518
-
-
income
7 109
3 690
-
-
total
7 109
3 690
-
-
Dividends
49 767
25 828
-
-
withholding
8 460
4 391
-
-
total
8 460
4 391
-
-
Income
95 500
95 500
95 500
95 500
Total tax
28 926
25 698
29 576
28 548
After tax
66 574
69 802
65 924
66 952
Living cost
25 267
25 267
25 267
25 267
Free-cash
41 307
44 535
40 657
41 685

Estimated living cost  is ₽25267 per week

₽17273
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1974
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽424
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5597
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
₽39325
₽29295
₽38142
₽38543
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
-
-
-
95 500
income
-
-
-
23 346
pensions
-
-
-
6 034
total
-
-
-
29 380
Employee
38 403
-
83 767
-
health
501
-
1 359
-
pensions
2 931
-
7 692
-
income
6 994
-
17 446
-
total
10 426
-
26 497
-
Employer
38 403
-
83 767
-
health
730
-
1 591
-
pensions
3 880
-
10 139
-
total
4 610
-
11 730
-
Corporate
52 487
95 500
-
-
income

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

9 973
18 146
-
-
total
9 973
18 146
-
-
Dividends
42 514
77 354
-
-
withholding
3 188
10 833
-
-
total
3 188
10 833
-
-
Income
95 500
95 500
95 500
95 500
Total tax
28 197
28 979
38 227
29 380
After tax
67 303
66 521
57 273
66 120
Living cost
27 978
27 978
27 978
27 978
Free-cash
39 325
38 543
29 295
38 142

Estimated living cost  is ₽27978 per week

₽19193
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2573
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.
₽5861
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
₽15726
₽11313
₽15679
₽19270
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
-
-
-
95 500
municipal
-
-
-
639
regional
-
-
-
2 069
social contributions
-
-
-
24 562
national
-
-
-
21 517
total
-
-
-
48 787
Employee
65 644
-
95 500
-
social contributions
22 135
-
32 202
-
regional
991
-
1 769
-
national
11 093
-
18 613
-
municipal
392
-
569
-
total
34 611
-
53 153
-
Employer
65 644
-
95 500
-
total
-
-
-
-
Corporate
29 856
95 500
-
-
nationa
7 165
22 920
-
-
municipal
1 438
4 603
-
-
total
8 603
27 523
-
-
Dividends
21 252
67 977
-
-
withholding
5 526
17 673
-
-
total
5 526
17 673
-
-
Income
95 500
95 500
95 500
95 500
Total tax
48 740
45 196
53 153
48 787
After tax
46 760
50 304
42 347
46 713
Living cost
31 034
31 034
31 034
31 034
Free-cash
15 726
19 270
11 313
15 679

Estimated living cost  is ₽31034 per week

₽21799
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2135
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽469
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.
₽6630
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
₽5155
₽33675
₽48605
-₽9085
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
-
-
-
95 500
pensions
-
-
-
3 181
income
-
-
-
24 750
other
-
-
-
283
health
-
-
-
1 667
accident
-
-
-
193
total
-
-
-
30 074
Employee
26 460
-
83 631
-
health
3 030
-
9 576
-
pensions
2 979
-
5 833
-
income
3 630
-
17 725
-
total
9 639
-
33 134
-
Employer
26 460
-
83 631
-
pensions
4 303
-
8 424
-
accident
442
-
1 397
-
unemployment
648
-
2 049
-
total
5 393
-
11 870
-
Corporate
63 647
95 500
-
-
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.

57 283
85 950
-
-
total
57 283
85 950
-
-
Dividends
6 365
9 550
-
-
withholding
1 209
1 814
-
-
total
1 209
1 814
-
-
Income
95 500
95 500
95 500
95 500
Total tax
73 524
87 764
45 004
30 074
After tax
21 976
7 736
50 496
65 426
Living cost
16 821
16 821
16 821
16 821
Free-cash
5 155
-9 085
33 675
48 605

Estimated living cost  is ₽16821 per week

₽12328
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽932
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽351
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.
₽3210
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
₽29331
₽33841
₽25335
₽19142
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.

-
-
-
95 500
trade
-
-
-
8 506
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.

-
-
-
24 893
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.

-
-
-
5 322
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.

-
-
-
1 369
total
-
-
-
40 090
Employee

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

38 761
-
95 500
-
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.

5 322
-
5 322
-
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.

3 187
-
24 893
-
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.

176
-
1 369
-
total
8 685
-
31 584
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
56 739
95 500
-
-
income
8 511
14 325
-
-
trade
8 143
13 704
-
-
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.

469
788
-
-
chamber of commerce
201
259
-
-
total
17 324
29 076
-
-
Dividends
39 417
66 424
-
-
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.

526
897
-
-
withholding
9 559
16 310
-
-
total
10 085
17 207
-
-
Income
95 500
95 500
95 500
95 500
Total tax
36 094
46 283
31 584
40 090
After tax
59 406
49 217
63 916
55 410
Living cost
30 075
30 075
30 075
30 075
Free-cash
29 331
19 142
33 841
25 335

Estimated living cost  is ₽30075 per week

₽20747
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3236
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.
₽5656
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
₽53803
₽37420
₽10880
₽60193
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.

-
-
-
95 500
income
-
-
-
14 214
microenterprise
-
-
-
-
social contributions

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

-
-
-
29 847
surtax
-
-
-
24 352
total
-
-
-
68 413
Employee
22 763
-
76 960
-
income
4 052
-
14 867
-
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.

2 504
-
8 466
-
surtax
-
-
-
-
total
6 556
-
23 333
-
Employer
22 763
-
76 960
-
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.

5 483
-
18 540
-
surtax
-
-
-
-
total
5 483
-
18 540
-
Corporate
67 254
95 500
-
-
income

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

13 451
19 100
-
-
total
13 451
19 100
-
-
Dividends

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

53 803
76 400
-
-
total
-
-
-
-
Income
95 500
95 500
95 500
95 500
Total tax
25 490
19 100
41 873
68 413
After tax
70 010
76 400
53 627
27 087
Living cost
16 207
16 207
16 207
16 207
Free-cash
53 803
60 193
37 420
10 880

Estimated living cost  is ₽16207 per week

₽10339
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1543
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽368
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.
₽3956
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
₽48137
₽45758
₽46459
₽49753
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
-
-
-
95 500
income
-
-
-
26 823
health
-
-
-
5 203
pensions
-
-
-
7 176
total
-
-
-
39 202
Employee
14 985
-
87 427
-
health
749
-
1 794
-
unemployment
150
-
359
-
pensions
1 349
-
3 229
-
income
2 899
-
26 447
-
total
5 147
-
31 829
-
Employer
14 985
-
87 427
-
health
1 424
-
3 409
-
pensions
1 648
-
3 947
-
unemployment
300
-
718
-
total
3 372
-
8 074
-
Corporate
77 143
95 500
-
-
income
16 971
21 010
-
-
total
16 971
21 010
-
-
Dividends
60 172
74 490
-
-
withholding
12 034
14 898
-
-
total
12 034
14 898
-
-
Income
95 500
95 500
95 500
95 500
Total tax
37 524
35 908
39 903
39 202
After tax
57 976
59 592
55 597
56 298
Living cost
9 839
9 839
9 839
9 839
Free-cash
48 137
49 753
45 758
46 459

Estimated living cost  is ₽9839 per week

₽5847
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽798
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽225
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.
₽2969
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
₽40095
₽27328
₽28903
₽42572
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
-
-
-
95 500
pensions
-
-
-
19 100
unemployment
-
-
-
177
income
-
-
-
20 309
other
-
-
-
-
health
-
-
-
6 781
surtax
-
-
-
2 733
total
-
-
-
49 100
Employee
26 234
-
78 893
-
health
670
-
2 011
-
unemployment
1 826
-
5 490
-
pensions
1 750
-
5 263
-
income
4 398
-
18 819
-
other
-
-
-
-
surtax
93
-
2 485
-
total
8 737
-
34 068
-
Employer
26 234
-
78 893
-
health
1 193
-
3 589
-
pensions
3 498
-
10 517
-
unemployment
832
-
2 501
-
other
-
-
-
-
total
5 523
-
16 607
-
Corporate
63 743
95 500
-
-
income
16 573
24 830
-
-
total
16 573
24 830
-
-
Dividends
47 169
70 670
-
-
withholding
7 075
10 601
-
-
total
7 075
10 601
-
-
Income
95 500
95 500
95 500
95 500
Total tax
37 908
35 431
50 675
49 100
After tax
57 592
60 069
44 825
46 400
Living cost
17 497
17 497
17 497
17 497
Free-cash
40 095
42 572
27 328
28 903

Estimated living cost  is ₽17497 per week

₽10564
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1521
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.
₽5007
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
₽28081
₽1883
₽22895
₽28470
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
-
-
-
95 500
pensions
-
-
-
16 837
chamber of commerce
-
-
-
381
unemployment
-