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
₽ 99000
per

Your estimated
City
free-cash

Valencia , Spain
₽28316
₽31925
₽43838
₽39621
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
-
-
-
99 000
income
-
-
-
21 394
accident
-
-
-
690
unemployment
-
-
-
536
pensions
-
-
-
21 665
other
-
-
-
77
total
-
-
-
44 362
Employee
30 541
-
75 069
-
other
30
-
75
-
income
5 888
-
19 274
-
unemployment
473
-
1 163
-
pensions
1 436
-
3 528
-
total
7 827
-
24 040
-
Employer
30 541
-
75 069
-
unemployment
1 680
-
4 129
-
pensions
7 207
-
17 716
-
other
245
-
600
-
accident
605
-
1 486
-
total
9 737
-
23 931
-
Corporate
58 723
99 000
-
-
income

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

8 809
14 850
-
-
total
8 809
14 850
-
-
Dividends
49 914
84 150
-
-
withholding
10 293
17 599
-
-
total
10 293
17 599
-
-
Income
99 000
99 000
99 000
99 000
Total tax
36 666
32 449
47 971
44 362
After tax
62 334
66 551
51 029
54 638
Living cost
22 713
22 713
22 713
22 713
Free-cash
39 621
43 838
28 316
31 925

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
₽35219
₽31124
₽50727
₽45150
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
-
-
-
99 000
income
-
-
-
13 050
health
-
-
-
4 356
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.

-
-
-
23 760
other
-
-
-
4 702
total
-
-
-
45 868
Employee
29 990
-
79 075
-
income
5 163
-
14 416
-
health
420
-
1 107
-
unemployment
299
-
790
-
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
-
5 535
-
total
7 981
-
21 848
-
Employer
29 990
-
79 075
-
unemployment
299
-
790
-
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
-
13 442
-
other
1 500
-
3 953
-
accident
240
-
633
-
health
420
-
1 107
-
total
7 558
-
19 925
-
Corporate
61 452
99 000
-
-
income
12 905
20 790
-
-
total
12 905
20 790
-
-
Dividends
48 548
78 210
-
-
withholding
3 398
5 475
-
-
total
3 398
5 475
-
-
Income
99 000
99 000
99 000
99 000
Total tax
31 842
26 265
41 773
45 868
After tax
67 158
72 735
57 227
53 132
Living cost
22 008
22 008
22 008
22 008
Free-cash
45 150
50 727
35 219
31 124

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
₽69004
₽65622
₽73818
₽69982
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
-
-
-
99 000
income
-
-
-
14 850
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
-
-
-
22 551
Employee
14 336
-
93 341
-
income
1 433
-
9 334
-
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
-
13 511
-
Employer
14 336
-
93 341
-
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
81 851
99 000
-
-
income
8 185
9 900
-
-
total
8 185
9 900
-
-
Dividends
73 665
89 100
-
-
withholding
3 683
4 455
-
-
total
3 683
4 455
-
-
Income
99 000
99 000
99 000
99 000
Total tax
18 191
14 355
19 169
22 551
After tax
80 809
84 645
79 831
76 449
Living cost
10 827
10 827
10 827
10 827
Free-cash
69 982
73 818
69 004
65 622

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
₽31313
₽28284
₽21637
₽26516
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
-
-
-
99 000
income
-
-
-
11 749
social contributions
-
-
-
2 820
health
-
-
-
2 735
surtax
-
-
-
-
pensions
-
-
-
22 084
other
-
-
-
3 069
total
-
-
-
42 457
Employee
35 350
-
79 222
-
income
2 086
-
13 004
-
social contributions
1 008
-
2 257
-
surtax
-
-
-
-
pensions
3 997
-
4 390
-
total
7 091
-
19 651
-
Employer
35 350
-
79 222
-
unemployment
1 431
-
3 208
-
social contributions
107
-
238
-
pensions
5 807
-
7 590
-
other
1 219
-
2 734
-
health
2 475
-
6 007
-
total
11 039
-
19 777
-
Corporate
52 611
99 000
-
-
income
14 731
27 720
-
-
surtax
-
-
-
-
total
14 731
27 720
-
-
Dividends
37 880
71 280
-
-
withholding
4 848
9 124
-
-
surtax
-
-
-
-
social contributions
6 516
12 260
-
-
total
11 364
21 384
-
-
Income
99 000
99 000
99 000
99 000
Total tax
44 225
49 104
39 428
42 457
After tax
54 775
49 896
59 572
56 543
Living cost
28 259
28 259
28 259
28 259
Free-cash
26 516
21 637
31 313
28 284

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
₽18433
₽22147
₽13720
₽8659
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
-
-
-
99 000
income
-
-
-
22 390
health
-
-
-
10 185
pensions
-
-
-
9 677
total
-
-
-
42 252
Employee
70 534
70 534
84 247
-
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
9 991
-
pensions
12 696
9 677
9 677
-
total
35 067
30 431
31 213
-
Employer
70 534
70 534
84 247
-
unemployment
2 539
2 539
3 033
-
pensions
4 909
4 909
5 864
-
health
4 903
4 903
5 856
-
total
12 351
12 351
14 753
-
Corporate
16 980
16 115
-
-
income
3 397
3 223
-
-
total
3 397
3 223
-
-
Dividends
13 584
12 892
-
-
withholding
2 038
1 934
-
-
income
2 887
2 740
-
-
total
4 925
4 674
-
-
Income
99 000
99 000
99 000
99 000
Total tax
55 740
50 679
45 966
42 252
After tax
43 260
48 321
53 034
56 748
Living cost
34 601
34 601
34 601
34 601
Free-cash
8 659
13 720
18 433
22 147

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
₽41492
₽31948
₽24988
₽34126
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.

-
-
-
99 000
income

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

-
-
-
25 447
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
-
-
-
9 544
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.

-
-
-
1 400
total
-
-
-
42 034
Employee

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

31 591
-
99 000
-
income

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

882
-
25 447
-
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
-
1 400
-
total
6 574
-
32 490
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
67 409
99 000
-
-
chamber of commerce
223
268
-
-
income
10 111
14 850
-
-
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.

556
817
-
-
trade
10 616
15 593
-
-
total
21 506
31 528
-
-
Dividends
45 902
67 473
-
-
withholding
11 162
16 555
-
-
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.

614
911
-
-
total
11 776
17 466
-
-
Income
99 000
99 000
99 000
99 000
Total tax
39 856
48 994
32 490
42 034
After tax
59 144
50 006
66 510
56 966
Living cost
25 018
25 018
25 018
25 018
Free-cash
34 126
24 988
41 492
31 948

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
₽49250
₽50325
₽53250
₽48756
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
-
-
-
99 000
income
-
-
-
13 663
social contributions
-
-
-
13 364
health
-
-
-
2 525
total
-
-
-
29 552
Employee
63 512
63 512
90 221
-
income
6 915
5 879
13 204
-
social contributions
2 401
5 271
7 110
-
health
492
1 080
1 534
-
total
9 808
12 230
21 848
-
Employer
63 512
63 512
90 221
-
social contributions
2 401
5 271
7 110
-
health
534
1 176
1 669
-
total
2 935
6 447
8 779
-
Corporate
67 132
29 041
-
-
income
8 392
3 630
-
-
total
8 392
3 630
-
-
Dividends
58 740
25 411
-
-
withholding
9 986
4 320
-
-
total
9 986
4 320
-
-
Income
99 000
99 000
99 000
99 000
Total tax
31 121
26 627
30 627
29 552
After tax
67 879
72 373
68 373
69 448
Living cost
19 123
19 123
19 123
19 123
Free-cash
48 756
53 250
49 250
50 325

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
₽22590
₽28661
₽30404
₽29570
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.

-
-
-
99 000
income
-
-
-
10 028
social contributions

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

-
-
-
34 403
surtax
-
-
-
-
total
-
-
-
44 431
Employee
37 988
-
80 000
-
income
7 902
-
22 703
-
social contributions
4 179
-
8 799
-
surtax
-
-
-
-
total
12 081
-
31 502
-
Employer
37 988
-
80 000
-
social contributions
9 022
-
19 000
-
total
9 022
-
19 000
-
Corporate
51 990
99 000
-
-
income
10 919
20 790
-
-
surtax
-
-
-
-
total
10 919
20 790
-
-
Dividends
41 072
78 210
-
-
withholding
11 500
21 898
-
-
total
11 500
21 898
-
-
Income
99 000
99 000
99 000
99 000
Total tax
43 522
42 688
50 502
44 431
After tax
55 478
56 312
48 498
54 569
Living cost
25 908
25 908
25 908
25 908
Free-cash
29 570
30 404
22 590
28 661

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
₽73014
₽91824
₽87864
₽86704
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%.

-
-
-
99 000
microenterprise

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

-
-
-
990
total
-
-
-
990
Employee
7 732
-
99 000
-
income
1 546
-
19 800
-
total
1 546
-
19 800
-
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%.

91 268
99 000
-
-
total
-
-
-
-
Dividends
91 268
99 000
-
-
withholding
4 564
4 950
-
-
total
4 564
4 950
-
-
Income
99 000
99 000
99 000
99 000
Total tax
6 110
4 950
19 800
990
After tax
92 890
94 050
79 200
98 010
Living cost
6 186
6 186
6 186
6 186
Free-cash
86 704
87 864
73 014
91 824

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
₽25506
₽28347
₽46007
₽39097
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.

-
-
-
99 000
income
-
-
-
20 529
health
-
-
-
9 741
unemployment
-
-
-
149
pensions
-
-
-
18 080
total
-
-
-
48 499
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
-
85 661
-
income
6 299
-
19 067
-
health
2 359
-
5 535
-
unemployment
52
-
121
-
pensions
5 662
-
13 278
-
total
14 372
-
38 001
-
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
-
85 661
-
unemployment
22
-
52
-
pensions
3 232
-
7 582
-
health
2 433
-
5 705
-
total
5 687
-
13 339
-
Corporate
56 789
99 000
-
-
income
10 790
18 811
-
-
total
10 790
18 811
-
-
Dividends
45 999
80 189
-
-
withholding
6 900
12 028
-
-
total
6 900
12 028
-
-
Income
99 000
99 000
99 000
99 000
Total tax
37 749
30 839
51 340
48 499
After tax
61 251
68 161
47 660
50 501
Living cost
22 154
22 154
22 154
22 154
Free-cash
39 097
46 007
25 506
28 347

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
₽42981
₽40076
₽30004
₽32890
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.

-
-
-
99 000
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
-
95 201
-
social contributions
3 796
-
3 799
-
income
4 111
-
18 438
-
total
7 907
-
22 237
-
Employer
37 890
-
95 201
-
social contributions
3 796
-
3 799
-
total
3 796
-
3 799
-
Corporate
57 314
99 000
-
-
income
20 060
34 649
-
-
total
20 060
34 649
-
-
Dividends
37 254
64 351
-
-
social contributions
4 364
4 364
-
-
total
4 364
4 364
-
-
Income
99 000
99 000
99 000
99 000
Total tax
36 127
39 013
26 036
28 941
After tax
62 873
59 987
72 964
70 059
Living cost
29 983
29 983
29 983
29 983
Free-cash
32 890
30 004
42 981
40 076

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
₽45388
₽46063
₽42887
₽43315
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
-
-
-
99 000
income
-
-
-
14 850
social contributions
-
-
-
13 662
health
-
-
-
6 911
total
-
-
-
35 423
Employee
28 005
-
99 000
-
income
4 671
-
15 525
-
social contributions
3 865
-
13 662
-
health
1 955
-
6 911
-
total
10 491
-
36 098
-
Employer
28 005
-
99 000
-
total
-
-
-
-
Corporate
70 995
99 000
-
-
income

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

3 550
4 950
-
-
total
3 550
4 950
-
-
Dividends
67 445
94 050
-
-
withholding
10 116
14 107
-
-
health
4 707
6 564
-
-
social contributions
9 307
12 978
-
-
total
24 130
33 649
-
-
Income
99 000
99 000
99 000
99 000
Total tax
38 171
38 599
36 098
35 423
After tax
60 829
60 401
62 902
63 577
Living cost
17 514
17 514
17 514
17 514
Free-cash
43 315
42 887
45 388
46 063

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
₽27567
₽27614
₽45489
₽37402
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
-
-
-
99 000
income
-
-
-
8 874
social contributions
-
-
-
26 475
solidarity contribution
-
-
-
-
health
-
-
-
13 365
total
-
-
-
48 714
Employee
33 342
-
73 881
-
solidarity contribution
-
-
-
-
income
4 001
-
8 866
-
social contributions
2 167
-
4 802
-
health
4 501
-
9 974
-
total
10 669
-
23 642
-
Employer
33 342
-
73 881
-
social contributions
8 335
-
18 470
-
health
3 001
-
6 649
-
total
11 336
-
25 119
-
Corporate
54 322
99 000
-
-
income
10 321
18 810
-
-
total
10 321
18 810
-
-
Dividends
44 001
80 190
-
-
withholding
6 600
12 029
-
-
total
6 600
12 029
-
-
Income
99 000
99 000
99 000
99 000
Total tax
38 926
30 839
48 761
48 714
After tax
60 074
68 161
50 239
50 286
Living cost
22 672
22 672
22 672
22 672
Free-cash
37 402
45 489
27 567
27 614

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
₽69561
₽88371
₽84411
₽82603
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%.

-
-
-
99 000
microenterprise

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

-
-
-
990
total
-
-
-
990
Employee
12 049
-
99 000
-
income
2 410
-
19 800
-
total
2 410
-
19 800
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

We will register your company as part of a virtual zone. Your non-Georgian corporate tax will be zero. Turnover in Georgia will be taxed at 15%.

86 951
99 000
-
-
total
-
-
-
-
Dividends
86 951
99 000
-
-
withholding
4 348
4 950
-
-
total
4 348
4 950
-
-
Income
99 000
99 000
99 000
99 000
Total tax
6 758
4 950
19 800
990
After tax
92 242
94 050
79 200
98 010
Living cost
9 639
9 639
9 639
9 639
Free-cash
82 603
84 411
69 561
88 371

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
₽19679
₽16650
₽10003
₽15680
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
-
-
-
99 000
income
-
-
-
11 749
social contributions
-
-
-
2 820
health
-
-
-
2 735
surtax
-
-
-
-
pensions
-
-
-
22 084
other
-
-
-
3 069
total
-
-
-
42 457
Employee
51 731
-
79 222
-
income
4 514
-
13 004
-
social contributions
1 473
-
2 257
-
surtax
-
-
-
-
pensions
5 851
-
4 390
-
total
11 838
-
19 651
-
Employer
51 731
-
79 222
-
unemployment
2 096
-
3 208
-
social contributions
155
-
238
-
pensions
8 500
-
7 590
-
other
1 785
-
2 734
-
health
3 621
-
6 007
-
total
16 157
-
19 777
-
Corporate
31 112
99 000
-
-
income
8 712
27 720
-
-
surtax
-
-
-
-
total
8 712
27 720
-
-
Dividends
22 400
71 280
-
-
withholding
2 867
9 124
-
-
surtax
-
-
-
-
social contributions
3 853
12 260
-
-
total
6 720
21 384
-
-
Income
99 000
99 000
99 000
99 000
Total tax
43 427
49 104
39 428
42 457
After tax
55 573
49 896
59 572
56 543
Living cost
39 893
39 893
39 893
39 893
Free-cash
15 680
10 003
19 679
16 650

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
₽40448
₽40447
₽57288
₽53235
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.

-
-
-
99 000
income
-
-
-
21 311
health
-
-
-
6 268
unemployment
-
-
-
913
pensions
-
-
-
15 821
total
-
-
-
44 313
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
-
88 108
-
income
2 960
-
21 311
-
health
1 106
-
3 134
-
unemployment
161
-
456
-
pensions
3 006
-
8 519
-
total
7 233
-
33 420
-
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
-
88 108
-
unemployment
161
-
456
-
pensions
2 577
-
7 302
-
health
1 106
-
3 134
-
total
3 844
-
10 892
-
Corporate
73 684
99 000
-
-
income
11 053
14 850
-
-
total
11 053
14 850
-
-
Dividends
62 631
84 150
-
-
withholding
9 395
12 622
-
-
total
9 395
12 622
-
-
Income
99 000
99 000
99 000
99 000
Total tax
31 525
27 472
44 312
44 313
After tax
67 475
71 528
54 688
54 687
Living cost
14 240
14 240
14 240
14 240
Free-cash
53 235
57 288
40 448
40 447

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
₽18862
₽23713
-₽12544
₽12193
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
-
-
-
99 000
regional
-
-
-
4 085
national
-
-
-
1 035
health
-
-
-
223
city
-
-
-
1 044
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.

-
-
-
1 979
pensions
-
-
-
9 107
total
-
-
-
17 473
Employee
67 657
-
88 610
-
regional
2 215
-
3 501
-
city
726
-
952
-
health
153
-
199
-
unemployment
-
-
-
-
national
320
-
812
-
pensions
5 684
-
7 444
-
total
9 098
-
12 908
-
Employer
67 657
-
88 610
-
unemployment
-
-
-
-
pensions
5 684
-
7 444
-
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
-
1 773
-
health
153
-
199
-
total
7 190
-
9 416
-
Corporate
23 410
99 000
-
-
regional
4 951
20 938
-
-
national
1 990
8 415
-
-
total
6 941
29 353
-
-
Dividends
16 469
69 647
-
-
withholding
5 764
24 377
-
-
total
5 764
24 377
-
-
Income
99 000
99 000
99 000
99 000
Total tax
28 993
53 730
22 324
17 473
After tax
70 007
45 270
76 676
81 527
Living cost
57 814
57 814
57 814
57 814
Free-cash
12 193
-12 544
18 862
23 713

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
₽23179
₽36753
₽32862
₽32714
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

-
-
-
99 000
municipal
-
-
-
17 607
national
-
-
-
11 749
health
-
-
-
1 180
total
-
-
-
30 536
Employee
43 455
-
83 285
-
health
324
-
937
-
unemployment
652
-
1 249
-
national
718
-
7 001
-
municipal
7 118
-
13 586
-
pensions
2 933
-
5 622
-
total
11 745
-
28 395
-
Employer
43 455
-
83 285
-
unemployment
282
-
541
-
pensions
7 539
-
14 450
-
accident
44
-
83
-
health
334
-
641
-
total
8 199
-
15 715
-
Corporate
47 345
99 000
-
-
income
9 469
19 800
-
-
total
9 469
19 800
-
-
Dividends

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

28 407
59 400
-
-
national
49
3 936
-
-
municipal
5 113
10 691
-
-
total
5 162
14 627
-
-
Income
99 000
99 000
99 000
99 000
Total tax
34 575
34 427
44 110
30 536
After tax
64 425
64 573
54 890
68 464
Living cost
31 711
31 711
31 711
31 711
Free-cash
32 714
32 862
23 179
36 753

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
₽7332
₽14598
₽25347
₽12960
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
-
-
-
99 000
national
-
-
-
33 464
social contributions
-
-
-
15 831
communal

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

-
-
-
4 991
total
-
-
-
54 286
Employee

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

59 081
-
76 678
-
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
-
3 605
-
communal

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

3 082
-
4 000
-
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
-
668
-
national
18 164
-
25 207
-
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
-
5 751
-
total
28 967
-
39 231
-
Employer

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

59 081
-
76 678
-
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
-
1 119
-
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
-
6 793
-
surtax
6 699
-
8 696
-
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
-
997
-
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
-
4 716
-
total
17 197
-
22 321
-
Corporate
22 721
99 000
-
-
income
4 544
19 800
-
-
surtax
91
397
-
-
total
4 635
20 197
-
-
Dividends
18 086
78 804
-
-
withholding

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

5 125
23 340
-
-
total
5 125
23 340
-
-
Income
99 000
99 000
99 000
99 000
Total tax
55 924
43 537
61 552
54 286
After tax
43 076
55 463
37 448
44 714
Living cost
30 116
30 116
30 116
30 116
Free-cash
12 960
25 347
7 332
14 598

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
₽18038
₽18954
₽20094
₽19332
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
-
-
-
99 000
municipal
-
-
-
23 092
national
-
-
-
1 432
health
-
-
-
4 644
accident
-
-
-
149
unemployment
-
-
-
74
pensions
-
-
-
8 046
other
-
-
-
8 649
total
-
-
-
46 086
Employee
48 390
-
75 614
-
national
-
-
1 068
-
municipal
14 430
-
22 548
-
total
14 430
-
23 616
-
Employer
48 390
-
75 614
-
unemployment
1 277
-
1 965
-
pensions
5 231
-
8 046
-
other
5 623
-
8 649
-
accident
97
-
149
-
health
2 976
-
4 577
-
total
15 204
-
23 386
-
Corporate
35 405
99 000
-
-
income
7 789
21 780
-
-
total
7 789
21 780
-
-
Dividends
27 616
77 220
-
-
withholding
8 285
23 166
-
-
total
8 285
23 166
-
-
Income
99 000
99 000
99 000
99 000
Total tax
45 708
44 946
47 002
46 086
After tax
53 292
54 054
51 998
52 914
Living cost
33 960
33 960
33 960
33 960
Free-cash
19 332
20 094
18 038
18 954

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
₽49886
₽30779
₽22594
-₽31062
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
-
-
-
99 000
income
-
-
-
19 297
social contributions
-
-
-
11 286
total
-
-
-
30 583
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
-
99 000
-
-
income
-
21 780
-
-
total
-
21 780
-
-
Dividends
-
77 220
-
-
income
-
16 988
-
-
total
-
16 988
-
-
Income
99 000
99 000
99 000
99 000
Total tax
92 424
38 768
11 476
30 583
After tax
6 576
60 232
87 524
68 417
Living cost
37 638
37 638
37 638
37 638
Free-cash
-31 062
22 594
49 886
30 779

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
₽41583
₽42658
₽45583
₽42158
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
-
-
-
99 000
income
-
-
-
13 663
social contributions
-
-
-
13 364
health
-
-
-
2 525
total
-
-
-
29 552
Employee
63 512
63 512
90 221
-
income
6 669
5 879
13 204
-
social contributions
3 086
5 271
7 110
-
health
632
1 080
1 534
-
total
10 387
12 230
21 848
-
Employer
63 512
63 512
90 221
-
social contributions
3 086
5 271
7 110
-
health
688
1 176
1 669
-
total
3 774
6 447
8 779
-
Corporate
58 048
29 041
-
-
income
7 256
3 630
-
-
total
7 256
3 630
-
-
Dividends
50 793
25 411
-
-
withholding
8 635
4 320
-
-
total
8 635
4 320
-
-
Income
99 000
99 000
99 000
99 000
Total tax
30 052
26 627
30 627
29 552
After tax
68 948
72 373
68 373
69 448
Living cost
26 790
26 790
26 790
26 790
Free-cash
42 158
45 583
41 583
42 658

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
₽29597
₽38801
₽39396
₽39443
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
-
-
-
99 000
income
-
-
-
23 623
pensions
-
-
-
6 424
total
-
-
-
30 047
Employee
41 388
-
86 890
-
income
7 537
-
17 488
-
health
540
-
1 431
-
pensions
3 159
-
8 222
-
total
11 236
-
27 141
-
Employer
41 388
-
86 890
-
pensions
4 182
-
10 460
-
health
787
-
1 650
-
total
4 969
-
12 110
-
Corporate
52 644
99 000
-
-
income

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

10 002
18 811
-
-
total
10 002
18 811
-
-
Dividends
42 642
80 189
-
-
withholding
3 198
10 641
-
-
total
3 198
10 641
-
-
Income
99 000
99 000
99 000
99 000
Total tax
29 405
29 452
39 251
30 047
After tax
69 595
69 548
59 749
68 953
Living cost
30 152
30 152
30 152
30 152
Free-cash
39 443
39 396
29 597
38 801

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
₽11139
₽15668
₽19243
₽15485
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
-
-
-
99 000
municipal
-
-
-
661
regional
-
-
-
2 128
national
-
-
-
22 176
social contributions
-
-
-
25 463
total
-
-
-
50 428
Employee
69 601
-
99 000
-
regional
1 051
-
1 817
-
social contributions
23 469
-
33 383
-
national
11 762
-
19 166
-
municipal
415
-
591
-
total
36 697
-
54 957
-
Employer
69 601
-
99 000
-
total
-
-
-
-
Corporate
29 399
99 000
-
-
nationa
7 057
23 760
-
-
municipal
1 417
4 771
-
-
total
8 474
28 531
-
-
Dividends
20 926
70 468
-
-
withholding
5 440
18 322
-
-
total
5 440
18 322
-
-
Income
99 000
99 000
99 000
99 000
Total tax
50 611
46 853
54 957
50 428
After tax
48 389
52 147
44 043
48 572
Living cost
32 904
32 904
32 904
32 904
Free-cash
15 485
19 243
11 139
15 668

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
₽35118
₽50542
-₽9257
₽5367
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
-
-
-
99 000
income
-
-
-
25 713
health
-
-
-
1 713
accident
-
-
-
198
pensions
-
-
-
3 267
other
-
-
-
291
total
-
-
-
31 182
Employee
27 175
-
86 773
-
income
3 728
-
18 453
-
health
3 112
-
9 936
-
pensions
3 060
-
5 991
-
total
9 900
-
34 380
-
Employer
27 175
-
86 773
-
unemployment
666
-
2 126
-
pensions
4 419
-
8 651
-
accident
454
-
1 449
-
total
5 539
-
12 226
-
Corporate
66 286
99 000
-
-
income

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

59 658
89 100
-
-
total
59 658
89 100
-
-
Dividends
6 629
9 900
-
-
withholding
1 260
1 881
-
-
total
1 260
1 881
-
-
Income
99 000
99 000
99 000
99 000
Total tax
76 357
90 981
46 606
31 182
After tax
22 643
8 019
52 394
67 818
Living cost
17 276
17 276
17 276
17 276
Free-cash
5 367
-9 257
35 118
50 542

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
₽34622
₽25926
₽19138
₽29944
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.

-
-
-
99 000
income

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

-
-
-
25 447
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
-
-
-
8 696
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.

-
-
-
1 400
total
-
-
-
41 186
Employee

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

41 097
-
99 000
-
income

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

3 379
-
25 447
-
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
-
1 400
-
total
9 209
-
32 490
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
57 903
99 000
-
-
chamber of commerce
210
271
-
-
income
8 685
14 850
-
-
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.

478
817
-
-
trade
8 309
14 207
-
-
total
17 682
30 145
-
-
Dividends
40 221
68 855
-
-
withholding
9 741
16 900
-
-
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
929
-
-
total
10 277
17 829
-
-
Income
99 000
99 000
99 000
99 000
Total tax
37 168
47 974
32 490
41 186
After tax
61 832
51 026
66 510
57 814
Living cost
31 888
31 888
31 888
31 888
Free-cash
29 944
19 138
34 622
25 926

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
₽38431
₽10376
₽62017
₽55242
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.

-
-
-
99 000
microenterprise
-
-
-
-
income
-
-
-
14 550
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.

-
-
-
31 646
surtax
-
-
-
25 245
total
-
-
-
71 441
Employee
24 135
-
79 780
-
income
4 296
-
15 390
-
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
-
8 776
-
surtax
-
-
-
-
total
6 951
-
24 166
-
Employer
24 135
-
79 780
-
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
-
19 220
-
surtax
-
-
-
-
total
5 814
-
19 220
-
Corporate
69 051
99 000
-
-
income

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

13 810
19 800
-
-
total
13 810
19 800
-
-
Dividends

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

55 241
79 200
-
-
total
-
-
-
-
Income
99 000
99 000
99 000
99 000
Total tax
26 575
19 800
43 386
71 441
After tax
72 425
79 200
55 614
27 559
Living cost
17 183
17 183
17 183
17 183
Free-cash
55 242
62 017
38 431
10 376

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
₽46654
₽47412
₽51105
₽49351
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
-
-
-
99 000
income
-
-
-
27 490
health
-
-
-
5 643
pensions
-
-
-
7 784
total
-
-
-
40 917
Employee
16 253
-
90 243
-
income
3 144
-
27 081
-
health
813
-
1 946
-
unemployment
163
-
389
-
pensions
1 463
-
3 503
-
total
5 583
-
32 919
-
Employer
16 253
-
90 243
-
unemployment
325
-
778
-
pensions
1 788
-
4 281
-
health
1 544
-
3 697
-
total
3 657
-
8 756
-
Corporate
79 090
99 000
-
-
income
17 400
21 780
-
-
total
17 400
21 780
-
-
Dividends
61 690
77 220
-
-
withholding
12 338
15 444
-
-
total
12 338
15 444
-
-
Income
99 000
99 000
99 000
99 000
Total tax
38 978
37 224
41 675
40 917
After tax
60 022
61 776
57 325
58 083
Living cost
10 671
10 671
10 671
10 671
Free-cash
49 351
51 105
46 654
47 412

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
₽28233
₽29863
₽43719
₽41091
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
-
-
-
99 000
income
-
-
-
20 793
health
-
-
-
7 030
unemployment
-
-
-
188
surtax
-
-
-
2 774
pensions
-
-
-
19 800
other
-
-
-
-
total
-
-
-
50 585
Employee
27 815
-
81 785
-
other
-
-
-
-
income
4 663
-
19 249
-
health
710
-
2 086
-
unemployment
1 936
-
5 693
-
surtax
99
-
2 517
-
pensions
1 856
-
5 455
-
total
9 264
-
35 000
-
Employer
27 815
-
81 785
-
unemployment
882
-
2 593
-
pensions
3 709
-
10 901
-
other
-
-
-
-
health
1 265
-
3 721
-
total
5 856
-
17 215
-
Corporate
65 329
99 000
-
-
income
16 986
25 740
-
-
total
16 986
25 740
-
-
Dividends
48 343
73 260
-
-
withholding
7 251
10 989
-
-
total
7 251
10 989
-
-
Income
99 000
99 000
99 000
99 000
Total tax
39 357
36 729
52 215
50 585
After tax
59 643
62 271
46 785
48 415
Living cost
18 552
18 552
18 552
18 552
Free-cash
41 091
43 719
28 233
29 863

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
₽1602
₽22974
₽28959
₽28549
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
-
-
-
99 000
income
-
-
-
18 980
chamber of commerce
-
-
-
397
health