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
₽ 96500
per

Your estimated
City
free-cash

Valencia , Spain
₽27196
₽30349
₽42202
₽37942
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
-
-
-
96 500
income
-
-
-
20 470
accident
-
-
-
690
unemployment
-
-
-
536
pensions
-
-
-
21 665
other
-
-
-
77
total
-
-
-
43 438
Employee
30 541
-
73 174
-
other
30
-
74
-
income
5 888
-
18 617
-
unemployment
473
-
1 135
-
pensions
1 436
-
3 439
-
total
7 827
-
23 265
-
Employer
30 541
-
73 174
-
unemployment
1 680
-
4 025
-
pensions
7 207
-
17 268
-
other
245
-
585
-
accident
605
-
1 448
-
total
9 737
-
23 326
-
Corporate
56 223
96 500
-
-
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.

8 433
14 475
-
-
total
8 433
14 475
-
-
Dividends
47 790
82 025
-
-
withholding
9 848
17 110
-
-
total
9 848
17 110
-
-
Income
96 500
96 500
96 500
96 500
Total tax
35 845
31 585
46 591
43 438
After tax
60 655
64 915
49 909
53 062
Living cost
22 713
22 713
22 713
22 713
Free-cash
37 942
42 202
27 196
30 349

Estimated living cost  is ₽22713 per week

₽15331
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2183
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽398
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4801
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
₽33864
₽29871
₽48890
₽43314
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
-
-
-
96 500
income
-
-
-
12 632
health
-
-
-
4 246
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.

-
-
-
23 160
other
-
-
-
4 583
total
-
-
-
44 621
Employee
29 990
-
77 077
-
income
5 163
-
13 963
-
health
420
-
1 078
-
unemployment
299
-
771
-
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.

2 099
-
5 395
-
total
7 981
-
21 207
-
Employer
29 990
-
77 077
-
unemployment
299
-
771
-
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.

5 099
-
13 102
-
other
1 500
-
3 854
-
accident
240
-
616
-
health
420
-
1 078
-
total
7 558
-
19 421
-
Corporate
58 952
96 500
-
-
income
12 379
20 265
-
-
total
12 379
20 265
-
-
Dividends
46 573
76 235
-
-
withholding
3 260
5 337
-
-
total
3 260
5 337
-
-
Income
96 500
96 500
96 500
96 500
Total tax
31 178
25 602
40 628
44 621
After tax
65 322
70 898
55 872
51 879
Living cost
22 008
22 008
22 008
22 008
Free-cash
43 314
48 890
33 864
29 871

Estimated living cost  is ₽22008 per week

₽15550
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1486
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽354
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.
₽4618
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
₽66754
₽63497
₽71680
₽67844
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
-
-
-
96 500
income
-
-
-
14 475
health
-
-
-
3 317
unemployment
-
-
-
115
pensions

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

-
-
-
4 269
total
-
-
-
22 176
Employee
14 336
-
90 841
-
income
1 433
-
9 084
-
health
659
-
1 327
-
accident

We are using the highest rate at 1.1%.

158
-
317
-
pensions

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

1 259
-
2 533
-
total
3 509
-
13 261
-
Employer
14 336
-
90 841
-
unemployment
86
-
173
-
pensions

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

1 580
-
3 178
-
accident

We are using the highest rate at 1.1%.

158
-
317
-
health
990
-
1 990
-
total
2 814
-
5 658
-
Corporate
79 351
96 500
-
-
income
7 935
9 650
-
-
total
7 935
9 650
-
-
Dividends
71 415
86 850
-
-
withholding
3 571
4 343
-
-
total
3 571
4 343
-
-
Income
96 500
96 500
96 500
96 500
Total tax
17 829
13 993
18 919
22 176
After tax
78 671
82 507
77 581
74 324
Living cost
10 827
10 827
10 827
10 827
Free-cash
67 844
71 680
66 754
63 497

Estimated living cost  is ₽10827 per week

₽6321
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽773
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽287
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.
₽3446
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
₽30203
₽26917
₽20374
₽25256
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
-
-
-
96 500
income
-
-
-
11 158
social contributions
-
-
-
2 749
health
-
-
-
2 550
surtax
-
-
-
-
pensions
-
-
-
21 875
other
-
-
-
2 992
total
-
-
-
41 324
Employee
35 350
-
77 401
-
income
2 086
-
12 526
-
social contributions
1 008
-
2 205
-
surtax
-
-
-
-
pensions
3 997
-
4 207
-
total
7 091
-
18 938
-
Employer
35 350
-
77 401
-
unemployment
1 431
-
3 135
-
social contributions
107
-
232
-
pensions
5 807
-
7 291
-
other
1 219
-
2 671
-
health
2 475
-
5 771
-
total
11 039
-
19 100
-
Corporate
50 111
96 500
-
-
income
14 032
27 021
-
-
surtax
-
-
-
-
total
14 032
27 021
-
-
Dividends
36 079
69 479
-
-
withholding
4 618
8 894
-
-
surtax
-
-
-
-
social contributions
6 205
11 952
-
-
total
10 823
20 846
-
-
Income
96 500
96 500
96 500
96 500
Total tax
42 985
47 867
38 038
41 324
After tax
53 515
48 633
58 462
55 176
Living cost
28 259
28 259
28 259
28 259
Free-cash
25 256
20 374
30 203
26 917

Estimated living cost  is ₽28259 per week

₽17818
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2298
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽481
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.
₽7663
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
₽16430
₽20600
₽12446
₽7385
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
-
-
-
96 500
income
-
-
-
21 437
health
-
-
-
10 185
pensions
-
-
-
9 677
total
-
-
-
41 299
Employee
70 534
70 534
82 121
-
income

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

11 545
11 545
11 545
-
health
10 826
9 209
9 868
-
pensions
12 696
9 677
9 677
-
total
35 067
30 431
31 090
-
Employer
70 534
70 534
82 121
-
unemployment
2 539
2 539
2 956
-
pensions
4 909
4 909
5 716
-
health
4 903
4 903
5 707
-
total
12 351
12 351
14 379
-
Corporate
14 480
13 615
-
-
income
2 897
2 723
-
-
total
2 897
2 723
-
-
Dividends
11 584
10 892
-
-
withholding
1 738
1 633
-
-
income
2 461
2 315
-
-
total
4 199
3 948
-
-
Income
96 500
96 500
96 500
96 500
Total tax
54 514
49 453
45 469
41 299
After tax
41 986
47 047
51 031
55 201
Living cost
34 601
34 601
34 601
34 601
Free-cash
7 385
12 446
16 430
20 600

Estimated living cost  is ₽34601 per week

₽24521
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3119
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽550
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.
₽6411
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
₽40100
₽30949
₽23735
₽32867
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.

-
-
-
96 500
income

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

-
-
-
24 397
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.

-
-
-
5 643
trade
-
-
-
9 151
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.

-
-
-
1 342
total
-
-
-
40 533
Employee

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

31 591
-
96 500
-
income

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

882
-
24 397
-
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.

5 643
-
5 643
-
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.

49
-
1 342
-
total
6 574
-
31 382
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
64 909
96 500
-
-
chamber of commerce
219
263
-
-
income
9 737
14 475
-
-
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.

536
796
-
-
trade
10 223
15 199
-
-
total
20 715
30 733
-
-
Dividends
44 194
65 766
-
-
withholding
10 735
16 127
-
-
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.

591
887
-
-
total
11 326
17 014
-
-
Income
96 500
96 500
96 500
96 500
Total tax
38 615
47 747
31 382
40 533
After tax
57 885
48 753
65 118
55 967
Living cost
25 018
25 018
25 018
25 018
Free-cash
32 867
23 735
40 100
30 949

Estimated living cost  is ₽25018 per week

₽15737
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2917
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽467
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5897
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
₽47561
₽48619
₽51434
₽46941
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
-
-
-
96 500
income
-
-
-
12 933
social contributions
-
-
-
13 364
health
-
-
-
2 461
total
-
-
-
28 758
Employee
63 512
63 512
87 766
-
income
6 915
5 879
12 480
-
social contributions
2 401
5 271
7 110
-
health
492
1 080
1 492
-
total
9 808
12 230
21 082
-
Employer
63 512
63 512
87 766
-
social contributions
2 401
5 271
7 110
-
health
534
1 176
1 624
-
total
2 935
6 447
8 734
-
Corporate
64 632
26 541
-
-
income
8 078
3 318
-
-
total
8 078
3 318
-
-
Dividends
56 554
23 223
-
-
withholding
9 615
3 948
-
-
total
9 615
3 948
-
-
Income
96 500
96 500
96 500
96 500
Total tax
30 436
25 943
29 816
28 758
After tax
66 064
70 557
66 684
67 742
Living cost
19 123
19 123
19 123
19 123
Free-cash
46 941
51 434
47 561
48 619

Estimated living cost  is ₽19123 per week

₽11461
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1876
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽423
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.
₽5364
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
₽21599
₽27396
₽28982
₽28148
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.

-
-
-
96 500
income
-
-
-
9 663
social contributions

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

-
-
-
33 533
surtax
-
-
-
-
total
-
-
-
43 196
Employee
37 988
-
77 979
-
income
7 902
-
21 894
-
social contributions
4 179
-
8 578
-
surtax
-
-
-
-
total
12 081
-
30 472
-
Employer
37 988
-
77 979
-
social contributions
9 022
-
18 521
-
total
9 022
-
18 521
-
Corporate
49 490
96 500
-
-
income
10 394
20 265
-
-
surtax
-
-
-
-
total
10 394
20 265
-
-
Dividends
39 097
76 235
-
-
withholding
10 947
21 345
-
-
total
10 947
21 345
-
-
Income
96 500
96 500
96 500
96 500
Total tax
42 444
41 610
48 993
43 196
After tax
54 056
54 890
47 507
53 304
Living cost
25 908
25 908
25 908
25 908
Free-cash
28 148
28 982
21 599
27 396

Estimated living cost  is ₽25908 per week

₽19384
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1528
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.
₽4563
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
₽71014
₽89349
₽85489
₽84329
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%.

-
-
-
96 500
microenterprise

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

-
-
-
965
total
-
-
-
965
Employee
7 732
-
96 500
-
income
1 546
-
19 300
-
total
1 546
-
19 300
-
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%.

88 768
96 500
-
-
total
-
-
-
-
Dividends
88 768
96 500
-
-
withholding
4 439
4 825
-
-
total
4 439
4 825
-
-
Income
96 500
96 500
96 500
96 500
Total tax
5 985
4 825
19 300
965
After tax
90 515
91 675
77 200
95 535
Living cost
6 186
6 186
6 186
6 186
Free-cash
84 329
85 489
71 014
89 349

Estimated living cost  is ₽6186 per week

₽3833
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽514
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽170
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.
₽1668
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
₽24399
₽27163
₽44286
₽37376
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.

-
-
-
96 500
income
-
-
-
19 920
health
-
-
-
9 495
unemployment
-
-
-
144
pensions
-
-
-
17 624
total
-
-
-
47 183
Employee

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

36 524
-
83 498
-
income
6 299
-
18 493
-
health
2 359
-
5 393
-
unemployment
52
-
118
-
pensions
5 662
-
12 942
-
total
14 372
-
36 946
-
Employer

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

36 524
-
83 498
-
unemployment
22
-
50
-
pensions
3 232
-
7 390
-
health
2 433
-
5 561
-
total
5 687
-
13 001
-
Corporate
54 289
96 500
-
-
income
10 315
18 336
-
-
total
10 315
18 336
-
-
Dividends
43 974
78 164
-
-
withholding
6 596
11 724
-
-
total
6 596
11 724
-
-
Income
96 500
96 500
96 500
96 500
Total tax
36 970
30 060
49 947
47 183
After tax
59 530
66 440
46 553
49 317
Living cost
22 154
22 154
22 154
22 154
Free-cash
37 376
44 286
24 399
27 163

Estimated living cost  is ₽22154 per week

₽15204
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1420
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽429
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.
₽5102
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
₽41105
₽37576
₽28378
₽31265
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.

-
-
-
96 500
income
-
-
-
23 511
health

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

-
-
-
5 430
total
-
-
-
28 941
Employee
37 890
-
92 701
-
social contributions
3 796
-
3 799
-
income
4 111
-
17 814
-
total
7 907
-
21 613
-
Employer
37 890
-
92 701
-
social contributions
3 796
-
3 799
-
total
3 796
-
3 799
-
Corporate
54 814
96 500
-
-
income
19 185
33 775
-
-
total
19 185
33 775
-
-
Dividends
35 628
62 725
-
-
social contributions
4 364
4 364
-
-
total
4 364
4 364
-
-
Income
96 500
96 500
96 500
96 500
Total tax
35 252
38 139
25 412
28 941
After tax
61 248
58 361
71 088
67 559
Living cost
29 983
29 983
29 983
29 983
Free-cash
31 265
28 378
41 105
37 576

Estimated living cost  is ₽29983 per week

₽19749
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2364
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽459
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.
₽7409
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
₽43909
₽44459
₽41361
₽41788
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
-
-
-
96 500
income
-
-
-
14 475
social contributions
-
-
-
13 317
health
-
-
-
6 735
total
-
-
-
34 527
Employee
28 005
-
96 500
-
income
4 671
-
15 025
-
social contributions
3 865
-
13 317
-
health
1 955
-
6 735
-
total
10 491
-
35 077
-
Employer
28 005
-
96 500
-
total
-
-
-
-
Corporate
68 495
96 500
-
-
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%.

3 425
4 825
-
-
total
3 425
4 825
-
-
Dividends
65 070
91 675
-
-
withholding
9 760
13 751
-
-
health
4 542
6 398
-
-
social contributions
8 980
12 651
-
-
total
23 282
32 800
-
-
Income
96 500
96 500
96 500
96 500
Total tax
37 198
37 625
35 077
34 527
After tax
59 302
58 875
61 423
61 973
Living cost
17 514
17 514
17 514
17 514
Free-cash
41 788
41 361
43 909
44 459

Estimated living cost  is ₽17514 per week

₽11721
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1080
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽403
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.
₽4309
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
₽26298
₽25776
₽43768
₽35681
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
-
-
-
96 500
income
-
-
-
8 550
social contributions
-
-
-
26 475
solidarity contribution
-
-
-
-
health
-
-
-
13 027
total
-
-
-
48 052
Employee
33 342
-
72 015
-
solidarity contribution
-
-
-
-
income
4 001
-
8 642
-
social contributions
2 167
-
4 681
-
health
4 501
-
9 722
-
total
10 669
-
23 045
-
Employer
33 342
-
72 015
-
social contributions
8 335
-
18 004
-
health
3 001
-
6 481
-
total
11 336
-
24 485
-
Corporate
51 822
96 500
-
-
income
9 846
18 335
-
-
total
9 846
18 335
-
-
Dividends
41 976
78 165
-
-
withholding
6 296
11 725
-
-
total
6 296
11 725
-
-
Income
96 500
96 500
96 500
96 500
Total tax
38 147
30 060
47 530
48 052
After tax
58 353
66 440
48 970
48 448
Living cost
22 672
22 672
22 672
22 672
Free-cash
35 681
43 768
26 298
25 776

Estimated living cost  is ₽22672 per week

₽16861
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1256
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽392
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4164
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
₽67561
₽85896
₽82036
₽80228
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%.

-
-
-
96 500
microenterprise

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

-
-
-
965
total
-
-
-
965
Employee
12 049
-
96 500
-
income
2 410
-
19 300
-
total
2 410
-
19 300
-
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%.

84 451
96 500
-
-
total
-
-
-
-
Dividends
84 451
96 500
-
-
withholding
4 223
4 825
-
-
total
4 223
4 825
-
-
Income
96 500
96 500
96 500
96 500
Total tax
6 633
4 825
19 300
965
After tax
89 867
91 675
77 200
95 535
Living cost
9 639
9 639
9 639
9 639
Free-cash
80 228
82 036
67 561
85 896

Estimated living cost  is ₽9639 per week

₽6523
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽405
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽323
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.
₽2388
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
₽18569
₽15283
₽8740
₽14421
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
-
-
-
96 500
income
-
-
-
11 158
social contributions
-
-
-
2 749
health
-
-
-
2 550
surtax
-
-
-
-
pensions
-
-
-
21 875
other
-
-
-
2 992
total
-
-
-
41 324
Employee
51 731
-
77 401
-
income
4 514
-
12 526
-
social contributions
1 473
-
2 205
-
surtax
-
-
-
-
pensions
5 851
-
4 207
-
total
11 838
-
18 938
-
Employer
51 731
-
77 401
-
unemployment
2 096
-
3 135
-
social contributions
155
-
232
-
pensions
8 500
-
7 291
-
other
1 785
-
2 671
-
health
3 621
-
5 771
-
total
16 157
-
19 100
-
Corporate
28 612
96 500
-
-
income
8 011
27 021
-
-
surtax
-
-
-
-
total
8 011
27 021
-
-
Dividends
20 601
69 479
-
-
withholding
2 636
8 894
-
-
surtax
-
-
-
-
social contributions
3 544
11 952
-
-
total
6 180
20 846
-
-
Income
96 500
96 500
96 500
96 500
Total tax
42 186
47 867
38 038
41 324
After tax
54 314
48 633
58 462
55 176
Living cost
39 893
39 893
39 893
39 893
Free-cash
14 421
8 740
18 569
15 283

Estimated living cost  is ₽39893 per week

₽26999
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3263
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽547
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.
₽9083
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
₽38573
₽38572
₽55481
₽51429
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.

-
-
-
96 500
income
-
-
-
20 686
health
-
-
-
6 268
unemployment
-
-
-
913
pensions
-
-
-
15 821
total
-
-
-
43 688
Employee

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

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

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

21 472
-
85 608
-
income
2 960
-
20 686
-
health
1 106
-
3 134
-
unemployment
161
-
456
-
pensions
3 006
-
8 519
-
total
7 233
-
32 795
-
Employer

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

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

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

21 472
-
85 608
-
unemployment
161
-
456
-
pensions
2 577
-
7 302
-
health
1 106
-
3 134
-
total
3 844
-
10 892
-
Corporate
71 184
96 500
-
-
income
10 678
14 475
-
-
total
10 678
14 475
-
-
Dividends
60 506
82 025
-
-
withholding
9 076
12 304
-
-
total
9 076
12 304
-
-
Income
96 500
96 500
96 500
96 500
Total tax
30 831
26 779
43 687
43 688
After tax
65 669
69 721
52 813
52 812
Living cost
14 240
14 240
14 240
14 240
Free-cash
51 429
55 481
38 573
38 572

Estimated living cost  is ₽14240 per week

₽9588
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1101
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽412
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3139
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
₽17012
₽21769
-₽13686
₽11051
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
-
-
-
96 500
regional
-
-
-
3 907
national
-
-
-
968
health
-
-
-
217
city
-
-
-
1 017
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.

-
-
-
1 930
pensions
-
-
-
8 878
total
-
-
-
16 917
Employee
67 657
-
86 373
-
regional
2 215
-
3 360
-
city
726
-
928
-
health
153
-
195
-
unemployment
-
-
-
-
national
320
-
759
-
pensions
5 684
-
7 255
-
total
9 098
-
12 497
-
Employer
67 657
-
86 373
-
unemployment
-
-
-
-
pensions
5 684
-
7 255
-
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.

1 353
-
1 727
-
health
153
-
195
-
total
7 190
-
9 177
-
Corporate
20 910
96 500
-
-
regional
4 422
20 409
-
-
national
1 777
8 202
-
-
total
6 199
28 611
-
-
Dividends
14 710
67 888
-
-
withholding
5 148
23 761
-
-
total
5 148
23 761
-
-
Income
96 500
96 500
96 500
96 500
Total tax
27 635
52 372
21 674
16 917
After tax
68 865
44 128
74 826
79 583
Living cost
57 814
57 814
57 814
57 814
Free-cash
11 051
-13 686
17 012
21 769

Estimated living cost  is ₽57814 per week

₽37595
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5188
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽710
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.
₽14320
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
₽22025
₽35258
₽31390
₽31033
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

-
-
-
96 500
municipal
-
-
-
17 165
national
-
-
-
11 225
health
-
-
-
1 141
total
-
-
-
29 531
Employee
43 455
-
81 180
-
health
324
-
906
-
unemployment
652
-
1 218
-
national
718
-
6 597
-
municipal
7 118
-
13 243
-
pensions
2 933
-
5 480
-
total
11 745
-
27 444
-
Employer
43 455
-
81 180
-
unemployment
282
-
528
-
pensions
7 539
-
14 085
-
accident
44
-
82
-
health
334
-
625
-
total
8 199
-
15 320
-
Corporate
44 845
96 500
-
-
income
8 969
19 300
-
-
total
8 969
19 300
-
-
Dividends

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

26 907
57 900
-
-
national
-
3 677
-
-
municipal
4 843
10 422
-
-
total
4 843
14 099
-
-
Income
96 500
96 500
96 500
96 500
Total tax
33 756
33 399
42 764
29 531
After tax
62 744
63 101
53 736
66 969
Living cost
31 711
31 711
31 711
31 711
Free-cash
31 033
31 390
22 025
35 258

Estimated living cost  is ₽31711 per week

₽20713
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3050
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽505
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.
₽7444
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
₽6594
₽13654
₽23955
₽11566
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
-
-
-
96 500
national
-
-
-
32 391
social contributions
-
-
-
15 477
communal

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

-
-
-
4 862
total
-
-
-
52 730
Employee

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

59 081
-
74 741
-
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.

2 776
-
3 513
-
communal

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

3 082
-
3 898
-
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.

514
-
650
-
national
18 164
-
24 365
-
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.

4 431
-
5 605
-
total
28 967
-
38 031
-
Employer

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

59 081
-
74 741
-
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.

862
-
1 091
-
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.

5 235
-
6 622
-
surtax
6 699
-
8 477
-
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.

768
-
972
-
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.

3 633
-
4 597
-
total
17 197
-
21 759
-
Corporate
20 221
96 500
-
-
income
4 044
19 300
-
-
surtax
82
386
-
-
total
4 126
19 686
-
-
Dividends
16 095
76 815
-
-
withholding

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

4 528
22 743
-
-
total
4 528
22 743
-
-
Income
96 500
96 500
96 500
96 500
Total tax
54 818
42 429
59 790
52 730
After tax
41 682
54 071
36 710
43 770
Living cost
30 116
30 116
30 116
30 116
Free-cash
11 566
23 955
6 594
13 654

Estimated living cost  is ₽30116 per week

₽19398
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2633
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.
₽7613
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
₽16941
₽17699
₽18729
₽17967
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
-
-
-
96 500
municipal
-
-
-
22 347
national
-
-
-
932
health
-
-
-
4 644
accident
-
-
-
149
unemployment
-
-
-
74
pensions
-
-
-
8 046
other
-
-
-
8 649
total
-
-
-
44 841
Employee
48 390
-
73 429
-
national
-
-
631
-
municipal
14 430
-
21 896
-
total
14 430
-
22 527
-
Employer
48 390
-
73 429
-
unemployment
1 277
-
1 939
-
pensions
5 231
-
7 938
-
other
5 623
-
8 532
-
accident
97
-
147
-
health
2 976
-
4 516
-
total
15 204
-
23 072
-
Corporate
32 905
96 500
-
-
income
7 239
21 230
-
-
total
7 239
21 230
-
-
Dividends
25 666
75 270
-
-
withholding
7 700
22 581
-
-
total
7 700
22 581
-
-
Income
96 500
96 500
96 500
96 500
Total tax
44 573
43 811
45 599
44 841
After tax
51 927
52 689
50 901
51 659
Living cost
33 960
33 960
33 960
33 960
Free-cash
17 967
18 729
16 941
17 699

Estimated living cost  is ₽33960 per week

₽22508
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3332
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.
₽7605
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
₽47386
₽29051
₽21073
-₽33562
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
-
-
-
96 500
income
-
-
-
18 810
social contributions
-
-
-
11 001
total
-
-
-
29 811
Employee
53 968
-
-
-
income
11 904
-
-
-
social contributions
4 425
-
631
-
total
16 329
-
631
-
Employer
53 968
-
-
-
social contributions
76 095
-
10 845
-
total
76 095
-
10 845
-
Corporate
-
96 500
-
-
income
-
21 230
-
-
total
-
21 230
-
-
Dividends
-
75 270
-
-
income
-
16 559
-
-
total
-
16 559
-
-
Income
96 500
96 500
96 500
96 500
Total tax
92 424
37 789
11 476
29 811
After tax
4 076
58 711
85 024
66 689
Living cost
37 638
37 638
37 638
37 638
Free-cash
-33 562
21 073
47 386
29 051

Estimated living cost  is ₽37638 per week

₽24421
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3540
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽480
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.
₽9197
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
₽39894
₽40952
₽43767
₽40342
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
-
-
-
96 500
income
-
-
-
12 933
social contributions
-
-
-
13 364
health
-
-
-
2 461
total
-
-
-
28 758
Employee
63 512
63 512
87 766
-
income
6 669
5 879
12 480
-
social contributions
3 086
5 271
7 110
-
health
632
1 080
1 492
-
total
10 387
12 230
21 082
-
Employer
63 512
63 512
87 766
-
social contributions
3 086
5 271
7 110
-
health
688
1 176
1 624
-
total
3 774
6 447
8 734
-
Corporate
55 548
26 541
-
-
income
6 944
3 318
-
-
total
6 944
3 318
-
-
Dividends
48 605
23 223
-
-
withholding
8 263
3 948
-
-
total
8 263
3 948
-
-
Income
96 500
96 500
96 500
96 500
Total tax
29 368
25 943
29 816
28 758
After tax
67 132
70 557
66 684
67 742
Living cost
26 790
26 790
26 790
26 790
Free-cash
40 342
43 767
39 894
40 952

Estimated living cost  is ₽26790 per week

₽18314
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2092
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽450
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5934
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
₽28343
₽37332
₽38029
₽37570
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
-
-
-
96 500
income
-
-
-
22 642
pensions
-
-
-
6 374
total
-
-
-
29 016
Employee
41 388
-
84 728
-
income
7 537
-
16 647
-
health
540
-
1 409
-
pensions
3 159
-
8 179
-
total
11 236
-
26 235
-
Employer
41 388
-
84 728
-
pensions
4 182
-
10 161
-
health
787
-
1 609
-
total
4 969
-
11 770
-
Corporate
50 144
96 500
-
-
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.

9 527
18 335
-
-
total
9 527
18 335
-
-
Dividends
40 617
78 165
-
-
withholding
3 046
9 984
-
-
total
3 046
9 984
-
-
Income
96 500
96 500
96 500
96 500
Total tax
28 778
28 319
38 005
29 016
After tax
67 722
68 181
58 495
67 484
Living cost
30 152
30 152
30 152
30 152
Free-cash
37 570
38 029
28 343
37 332

Estimated living cost  is ₽30152 per week

₽20684
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2773
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽377
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.
₽6316
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
₽10194
₽14604
₽17926
₽14169
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
-
-
-
96 500
municipal
-
-
-
646
regional
-
-
-
2 056
national
-
-
-
21 470
social contributions
-
-
-
24 820
total
-
-
-
48 992
Employee
69 601
-
96 500
-
regional
1 051
-
1 751
-
social contributions
23 469
-
32 540
-
national
11 762
-
18 536
-
municipal
415
-
575
-
total
36 697
-
53 402
-
Employer
69 601
-
96 500
-
total
-
-
-
-
Corporate
26 899
96 500
-
-
nationa
6 456
23 160
-
-
municipal
1 296
4 651
-
-
total
7 752
27 811
-
-
Dividends
19 147
68 689
-
-
withholding
4 978
17 859
-
-
total
4 978
17 859
-
-
Income
96 500
96 500
96 500
96 500
Total tax
49 427
45 670
53 402
48 992
After tax
47 073
50 830
43 098
47 508
Living cost
32 904
32 904
32 904
32 904
Free-cash
14 169
17 926
10 194
14 604

Estimated living cost  is ₽32904 per week

₽23113
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2263
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽497
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.
₽7030
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
₽33672
₽48843
-₽9460
₽5165
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
-
-
-
96 500
income
-
-
-
24 912
health
-
-
-
1 713
accident
-
-
-
198
pensions
-
-
-
3 267
other
-
-
-
291
total
-
-
-
30 381
Employee
27 175
-
84 372
-
income
3 728
-
17 773
-
health
3 112
-
9 661
-
pensions
3 060
-
5 991
-
total
9 900
-
33 425
-
Employer
27 175
-
84 372
-
unemployment
666
-
2 067
-
pensions
4 419
-
8 651
-
accident
454
-
1 409
-
total
5 539
-
12 127
-
Corporate
63 786
96 500
-
-
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.

57 408
86 850
-
-
total
57 408
86 850
-
-
Dividends
6 379
9 650
-
-
withholding
1 212
1 834
-
-
total
1 212
1 834
-
-
Income
96 500
96 500
96 500
96 500
Total tax
74 059
88 684
45 552
30 381
After tax
22 441
7 816
50 948
66 119
Living cost
17 276
17 276
17 276
17 276
Free-cash
5 165
-9 460
33 672
48 843

Estimated living cost  is ₽17276 per week

₽12662
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽957
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽361
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3297
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
₽33230
₽24893
₽17857
₽28659
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.

-
-
-
96 500
income

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

-
-
-
24 397
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.

-
-
-
5 643
trade
-
-
-
8 337
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.

-
-
-
1 342
total
-
-
-
39 719
Employee

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

41 097
-
96 500
-
income

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

3 379
-
24 397
-
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.

5 643
-
5 643
-
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.

187
-
1 342
-
total
9 209
-
31 382
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
55 403
96 500
-
-
chamber of commerce
207
266
-
-
income
8 310
14 475
-
-
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.

458
796
-
-
trade
7 950
13 848
-
-
total
16 925
29 385
-
-
Dividends
38 478
67 114
-
-
withholding
9 306
16 464
-
-
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.

513
906
-
-
total
9 819
17 370
-
-
Income
96 500
96 500
96 500
96 500
Total tax
35 953
46 755
31 382
39 719
After tax
60 547
49 745
65 118
56 781
Living cost
31 888
31 888
31 888
31 888
Free-cash
28 659
17 857
33 230
24 893

Estimated living cost  is ₽31888 per week

₽21997
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3431
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽462
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5997
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
₽37050
₽34173
₽60017
₽53242
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.

-
-
-
96 500
microenterprise
-
-
-
-
income
-
-
-
14 119
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.

-
-
-
31 025
surtax
-
-
-
-
total
-
-
-
45 144
Employee
24 135
-
77 766
-
income
4 296
-
14 978
-
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.

2 655
-
8 555
-
surtax
-
-
-
-
total
6 951
-
23 533
-
Employer
24 135
-
77 766
-
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.

5 814
-
18 734
-
surtax
-
-
-
-
total
5 814
-
18 734
-
Corporate
66 551
96 500
-
-
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%.

13 310
19 300
-
-
total
13 310
19 300
-
-
Dividends

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

53 241
77 200
-
-
total
-
-
-
-
Income
96 500
96 500
96 500
96 500
Total tax
26 075
19 300
42 267
45 144
After tax
70 425
77 200
54 233
51 356
Living cost
17 183
17 183
17 183
17 183
Free-cash
53 242
60 017
37 050
34 173

Estimated living cost  is ₽17183 per week

₽10963
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1636
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽390
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4194
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
₽45029
₽45787
₽49545
₽47791
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
-
-
-
96 500
income
-
-
-
26 615
health
-
-
-
5 643
pensions
-
-
-
7 784
total
-
-
-
40 042
Employee
16 253
-
87 743
-
income
3 144
-
26 206
-
health
813
-
1 946
-
unemployment
163
-
389
-
pensions
1 463
-
3 503
-
total
5 583
-
32 044
-
Employer
16 253
-
87 743
-
unemployment
325
-
778
-
pensions
1 788
-
4 281
-
health
1 544
-
3 697
-
total
3 657
-
8 756
-
Corporate
76 590
96 500
-
-
income
16 850
21 230
-
-
total
16 850
21 230
-
-
Dividends
59 740
75 270
-
-
withholding
11 948
15 054
-
-
total
11 948
15 054
-
-
Income
96 500
96 500
96 500
96 500
Total tax
38 038
36 284
40 800
40 042
After tax
58 462
60 216
55 700
56 458
Living cost
10 671
10 671
10 671
10 671
Free-cash
47 791
49 545
45 029
45 787

Estimated living cost  is ₽10671 per week

₽6341
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽865
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽244
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.
₽3220
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
₽27411
₽28997
₽42146
₽39519
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
-
-
-
96 500
income
-
-
-
19 974
health
-
-
-
6 851
unemployment
-
-
-
188
surtax
-
-
-
2 638
pensions
-
-
-
19 300
other
-
-
-
-
total
-
-
-
48 951
Employee
27 815
-
79 719
-
other
-
-
-
-
income
4 663
-
18 472
-
health
710
-
2 031
-
unemployment
1 936
-
5 549
-
surtax
99
-
2 387
-
pensions
1 856
-
5 317
-
total
9 264
-
33 756
-
Employer
27 815
-
79 719
-
unemployment
882
-
2 527
-
pensions
3 709
-
10 627
-
other
-
-
-
-
health
1 265
-
3 627
-
total
5 856
-
16 781
-
Corporate
62 829
96 500
-
-
income
16 336
25 090
-
-
total
16 336
25 090
-
-
Dividends
46 493
71 410
-
-
withholding
6 973
10 712
-
-
total
6 973
10 712
-
-
Income
96 500
96 500
96 500
96 500
Total tax
38 429
35 802
50 537
48 951
After tax
58 071
60 698
45 963
47 549
Living cost
18 552
18 552
18 552
18 552
Free-cash
39 519
42 146
27 411
28 997

Estimated living cost  is ₽18552 per week

₽11201
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1613
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽431
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.
₽5309
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
₽1170
₽21535
₽27599
₽27188
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
-
-
-
96 500
income
-
-
-
17 930
chamber of commerce
-
-
-
386
health
-