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
₽39919
₽28493
₽32264
₽44072
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
unemployment
-
-
-
530
income
-
-
-
21 565
other
-
-
-
76
accident
-
-
-
682
pensions
-
-
-
21 423
total
-
-
-
44 276
Employee
30 200
-
75 068
-
unemployment
468
-
1 164
-
pensions
1 420
-
3 528
-
income
5 822
-
19 349
-
other
29
-
74
-
total
7 739
-
24 115
-
Employer
30 200
-
75 068
-
pensions
7 127
-
17 716
-
accident
598
-
1 486
-
unemployment
1 662
-
4 129
-
other
242
-
601
-
total
9 629
-
23 932
-
Corporate
59 172
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.

8 876
14 850
-
-
total
8 876
14 850
-
-
Dividends
50 295
84 150
-
-
withholding
10 377
17 618
-
-
total
10 377
17 618
-
-
Income
99 000
99 000
99 000
99 000
Total tax
36 621
32 468
48 047
44 276
After tax
62 379
66 532
50 953
54 724
Living cost
22 460
22 460
22 460
22 460
Free-cash
39 919
44 072
28 493
32 264

Estimated living cost  is ₽22460 per week

₽15160
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2159
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽394
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4747
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
₽45459
₽35423
₽31332
₽50974
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
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.

-
-
-
23 759
income
-
-
-
13 089
other
-
-
-
4 702
health
-
-
-
4 355
total
-
-
-
45 905
Employee
29 655
-
79 074
-
health
415
-
1 107
-
unemployment
296
-
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.

2 075
-
5 536
-
income
5 105
-
14 455
-
total
7 891
-
21 888
-
Employer
29 655
-
79 074
-
health
415
-
1 107
-
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.

5 042
-
13 443
-
accident
237
-
632
-
unemployment
296
-
790
-
other
1 483
-
3 954
-
total
7 473
-
19 926
-
Corporate
61 871
99 000
-
-
income
12 993
20 789
-
-
total
12 993
20 789
-
-
Dividends
48 878
78 211
-
-
withholding
3 421
5 474
-
-
total
3 421
5 474
-
-
Income
99 000
99 000
99 000
99 000
Total tax
31 778
26 263
41 814
45 905
After tax
67 222
72 737
57 186
53 095
Living cost
21 763
21 763
21 763
21 763
Free-cash
45 459
50 974
35 423
31 332

Estimated living cost  is ₽21763 per week

₽15377
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1469
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽350
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4566
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
₽70145
₽69226
₽65827
₽73938
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
pensions

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

-
-
-
4 222
unemployment
-
-
-
114
income
-
-
-
14 850
health
-
-
-
3 280
total
-
-
-
22 466
Employee
14 177
-
93 404
-
health
652
-
1 312
-
accident

We are using the highest rate at 1.1%.

156
-
314
-
pensions

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

1 245
-
2 505
-
income
1 417
-
9 340
-
total
3 470
-
13 471
-
Employer
14 177
-
93 404
-
health
979
-
1 968
-
pensions

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

1 562
-
3 143
-
accident

We are using the highest rate at 1.1%.

156
-
314
-
unemployment
85
-
171
-
total
2 782
-
5 596
-
Corporate
82 041
99 000
-
-
income
8 204
9 900
-
-
total
8 204
9 900
-
-
Dividends
73 837
89 100
-
-
withholding
3 692
4 455
-
-
total
3 692
4 455
-
-
Income
99 000
99 000
99 000
99 000
Total tax
18 148
14 355
19 067
22 466
After tax
80 852
84 645
79 933
76 534
Living cost
10 707
10 707
10 707
10 707
Free-cash
70 145
73 938
69 226
65 827

Estimated living cost  is ₽10707 per week

₽6251
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽765
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽284
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3408
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
₽26778
₽31450
₽28572
₽21951
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
-
-
-
11 880
other
-
-
-
3 069
health
-
-
-
2 785
social contributions
-
-
-
2 821
pensions
-
-
-
21 929
surtax
-
-
-
-
total
-
-
-
42 484
Employee
34 956
-
79 142
-
pensions
3 952
-
4 422
-
income
2 063
-
13 072
-
social contributions
997
-
2 255
-
surtax
-
-
-
-
total
7 012
-
19 749
-
Employer
34 956
-
79 142
-
health
2 447
-
6 044
-
social contributions
105
-
237
-
pensions
5 742
-
7 640
-
unemployment
1 415
-
3 205
-
other
1 206
-
2 731
-
total
10 915
-
19 857
-
Corporate
53 128
99 000
-
-
income
14 876
27 721
-
-
surtax
-
-
-
-
total
14 876
27 721
-
-
Dividends
38 252
71 279
-
-
social contributions
6 579
12 260
-
-
surtax
-
-
-
-
withholding
4 896
9 124
-
-
total
11 475
21 384
-
-
Income
99 000
99 000
99 000
99 000
Total tax
44 278
49 105
39 606
42 484
After tax
54 722
49 895
59 394
56 516
Living cost
27 944
27 944
27 944
27 944
Free-cash
26 778
21 951
31 450
28 572

Estimated living cost  is ₽27944 per week

₽17620
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2272
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽476
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7578
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
₽9127
₽19116
₽22583
₽14132
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
pensions
-
-
-
9 569
income
-
-
-
22 562
health
-
-
-
10 071
total
-
-
-
42 202
Employee
69 747
69 747
84 248
-
health
10 705
9 106
9 932
-
pensions
12 554
9 569
9 569
-
income

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

11 416
11 416
11 416
-
total
34 675
30 091
30 917
-
Employer
69 747
69 747
84 248
-
health
4 848
4 848
5 856
-
pensions
4 854
4 854
5 863
-
unemployment
2 511
2 511
3 033
-
total
12 213
12 213
14 752
-
Corporate
17 895
17 040
-
-
income
3 579
3 408
-
-
total
3 579
3 408
-
-
Dividends
14 316
13 631
-
-
income
3 043
2 897
-
-
withholding
2 148
2 044
-
-
total
5 191
4 941
-
-
Income
99 000
99 000
99 000
99 000
Total tax
55 658
50 653
45 669
42 202
After tax
43 342
48 347
53 331
56 798
Living cost
34 215
34 215
34 215
34 215
Free-cash
9 127
14 132
19 116
22 583

Estimated living cost  is ₽34215 per week

₽24247
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3084
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽544
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6339
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
₽34299
₽41645
₽32034
₽25266
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
trade
-
-
-
9 611
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.

-
-
-
25 627
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.

-
-
-
5 580
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.

-
-
-
1 409
total
-
-
-
42 227
Employee

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

31 239
-
99 000
-
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.

5 580
-
5 580
-
income

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

873
-
25 627
-
surtax

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

48
-
1 409
-
total
6 501
-
32 616
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
67 761
99 000
-
-
income
10 164
14 850
-
-
trade
10 673
15 592
-
-
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.

560
817
-
-
chamber of commerce
222
267
-
-
total
21 619
31 526
-
-
Dividends
46 143
67 474
-
-
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.

617
911
-
-
withholding
11 225
16 558
-
-
total
11 842
17 469
-
-
Income
99 000
99 000
99 000
99 000
Total tax
39 962
48 995
32 616
42 227
After tax
59 038
50 005
66 384
56 773
Living cost
24 739
24 739
24 739
24 739
Free-cash
34 299
25 266
41 645
32 034

Estimated living cost  is ₽24739 per week

₽15561
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2884
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.
₽5831
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
₽49013
₽49449
₽50515
₽53458
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
-
-
-
13 835
health
-
-
-
2 525
social contributions
-
-
-
13 215
total
-
-
-
29 575
Employee
62 804
62 804
90 299
-
health
487
1 068
1 534
-
income
6 838
5 814
13 376
-
social contributions
2 374
5 212
7 030
-
total
9 699
12 094
21 940
-
Employer
62 804
62 804
90 299
-
health
529
1 162
1 671
-
social contributions
2 374
5 212
7 030
-
total
2 903
6 374
8 701
-
Corporate
67 488
29 821
-
-
income
8 436
3 728
-
-
total
8 436
3 728
-
-
Dividends
59 051
26 094
-
-
withholding
10 039
4 436
-
-
total
10 039
4 436
-
-
Income
99 000
99 000
99 000
99 000
Total tax
31 077
26 632
30 641
29 575
After tax
67 923
72 368
68 359
69 425
Living cost
18 910
18 910
18 910
18 910
Free-cash
49 013
53 458
49 449
50 515

Estimated living cost  is ₽18910 per week

₽11333
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1855
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽418
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.
₽5304
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
₽29870
₽22772
₽28899
₽30693
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
-
-
-
10 080
social contributions

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

-
-
-
34 402
surtax
-
-
-
-
total
-
-
-
44 482
Employee
37 564
-
79 999
-
income
7 813
-
22 807
-
social contributions
4 132
-
8 801
-
surtax
-
-
-
-
total
11 945
-
31 608
-
Employer
37 564
-
79 999
-
social contributions
8 921
-
19 001
-
total
8 921
-
19 001
-
Corporate
52 515
99 000
-
-
income
11 028
20 789
-
-
surtax
-
-
-
-
total
11 028
20 789
-
-
Dividends
41 487
78 211
-
-
withholding
11 617
21 899
-
-
total
11 617
21 899
-
-
Income
99 000
99 000
99 000
99 000
Total tax
43 511
42 688
50 609
44 482
After tax
55 489
56 312
48 391
54 518
Living cost
25 619
25 619
25 619
25 619
Free-cash
29 870
30 693
22 772
28 899

Estimated living cost  is ₽25619 per week

₽19168
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1511
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽428
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4512
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
₽86817
₽73109
₽91919
₽87959
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
7 614
-
99 000
-
income
1 523
-
19 800
-
total
1 523
-
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%.

91 386
99 000
-
-
total
-
-
-
-
Dividends
91 386
99 000
-
-
withholding
4 569
4 950
-
-
total
4 569
4 950
-
-
Income
99 000
99 000
99 000
99 000
Total tax
6 092
4 950
19 800
990
After tax
92 908
94 050
79 200
98 010
Living cost
6 091
6 091
6 091
6 091
Free-cash
86 817
87 959
73 109
91 919

Estimated living cost  is ₽6091 per week

₽3775
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽506
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽167
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.
₽1643
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
₽39423
₽25717
₽28554
₽46254
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
pensions
-
-
-
18 080
unemployment
-
-
-
149
income
-
-
-
20 569
health
-
-
-
9 741
total
-
-
-
48 539
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.

36 117
-
85 663
-
health
2 333
-
5 533
-
unemployment
51
-
119
-
pensions
5 598
-
13 278
-
income
6 228
-
19 109
-
total
14 210
-
38 039
-
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.

36 117
-
85 663
-
health
2 405
-
5 705
-
pensions
3 196
-
7 581
-
unemployment
22
-
51
-
total
5 623
-
13 337
-
Corporate
57 260
99 000
-
-
income
10 879
18 810
-
-
total
10 879
18 810
-
-
Dividends
46 381
80 190
-
-
withholding
6 958
12 029
-
-
total
6 958
12 029
-
-
Income
99 000
99 000
99 000
99 000
Total tax
37 670
30 839
51 376
48 539
After tax
61 330
68 161
47 624
50 461
Living cost
21 907
21 907
21 907
21 907
Free-cash
39 423
46 254
25 717
28 554

Estimated living cost  is ₽21907 per week

₽15034
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1404
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽425
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5045
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
₽33242
₽43330
₽40932
₽30387
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
-
-
-
23 249
health

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

-
-
-
5 171
total
-
-
-
28 420
Employee
37 468
-
95 243
-
social contributions
3 754
-
3 757
-
income
4 065
-
18 508
-
total
7 819
-
22 265
-
Employer
37 468
-
95 243
-
social contributions
3 754
-
3 757
-
total
3 754
-
3 757
-
Corporate
57 779
99 000
-
-
income
20 222
34 650
-
-
total
20 222
34 650
-
-
Dividends
37 557
64 350
-
-
social contributions
4 315
4 315
-
-
total
4 315
4 315
-
-
Income
99 000
99 000
99 000
99 000
Total tax
36 110
38 965
26 022
28 420
After tax
62 890
60 035
72 978
70 580
Living cost
29 648
29 648
29 648
29 648
Free-cash
33 242
30 387
43 330
40 932

Estimated living cost  is ₽29648 per week

₽19529
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2337
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽454
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7327
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
₽43503
₽45534
₽46258
₽43081
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
-
-
-
6 910
social contributions
-
-
-
13 663
total
-
-
-
35 423
Employee
27 693
-
99 000
-
health
1 933
-
6 910
-
income
4 619
-
15 574
-
social contributions
3 822
-
13 663
-
total
10 374
-
36 147
-
Employer
27 693
-
99 000
-
total
-
-
-
-
Corporate
71 307
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%.

3 565
4 950
-
-
total
3 565
4 950
-
-
Dividends
67 743
94 050
-
-
social contributions
9 349
12 979
-
-
withholding
10 161
14 107
-
-
health
4 729
6 564
-
-
total
24 239
33 650
-
-
Income
99 000
99 000
99 000
99 000
Total tax
38 178
38 600
36 147
35 423
After tax
60 822
60 400
62 853
63 577
Living cost
17 319
17 319
17 319
17 319
Free-cash
43 503
43 081
45 534
46 258

Estimated living cost  is ₽17319 per week

₽11590
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1068
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽398
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4261
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
₽37275
₽27474
₽27428
₽45397
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
-
-
-
8 858
health
-
-
-
13 365
social contributions
-
-
-
26 584
solidarity contribution
-
-
-
-
total
-
-
-
48 807
Employee
33 479
-
73 881
-
health
4 520
-
9 974
-
solidarity contribution
-
-
-
-
income
4 017
-
8 866
-
social contributions
2 176
-
4 802
-
total
10 713
-
23 642
-
Employer
33 479
-
73 881
-
health
3 013
-
6 649
-
social contributions
8 370
-
18 470
-
total
11 383
-
25 119
-
Corporate
54 139
99 000
-
-
income
10 286
18 810
-
-
total
10 286
18 810
-
-
Dividends
43 852
80 190
-
-
withholding
6 578
12 028
-
-
total
6 578
12 028
-
-
Income
99 000
99 000
99 000
99 000
Total tax
38 960
30 838
48 761
48 807
After tax
60 040
68 162
50 239
50 193
Living cost
22 765
22 765
22 765
22 765
Free-cash
37 275
45 397
27 474
27 428

Estimated living cost  is ₽22765 per week

₽16930
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1261
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽394
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4181
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
₽82778
₽69708
₽88518
₽84558
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
11 865
-
99 000
-
income
2 373
-
19 800
-
total
2 373
-
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%.

87 135
99 000
-
-
total
-
-
-
-
Dividends
87 135
99 000
-
-
withholding
4 357
4 950
-
-
total
4 357
4 950
-
-
Income
99 000
99 000
99 000
99 000
Total tax
6 730
4 950
19 800
990
After tax
92 270
94 050
79 200
98 010
Living cost
9 492
9 492
9 492
9 492
Free-cash
82 778
84 558
69 708
88 518

Estimated living cost  is ₽9492 per week

₽6423
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽398
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽318
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.
₽2352
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
₽16065
₽19946
₽17068
₽10447
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
-
-
-
11 880
other
-
-
-
3 069
health
-
-
-
2 785
social contributions
-
-
-
2 821
pensions
-
-
-
21 929
surtax
-
-
-
-
total
-
-
-
42 484
Employee
51 154
-
79 142
-
pensions
5 786
-
4 422
-
income
4 463
-
13 072
-
social contributions
1 457
-
2 255
-
surtax
-
-
-
-
total
11 706
-
19 749
-
Employer
51 154
-
79 142
-
health
3 580
-
6 044
-
social contributions
153
-
237
-
pensions
8 405
-
7 640
-
unemployment
2 072
-
3 205
-
other
1 765
-
2 731
-
total
15 975
-
19 857
-
Corporate
31 869
99 000
-
-
income
8 923
27 721
-
-
surtax
-
-
-
-
total
8 923
27 721
-
-
Dividends
22 946
71 279
-
-
social contributions
3 946
12 260
-
-
surtax
-
-
-
-
withholding
2 937
9 124
-
-
total
6 883
21 384
-
-
Income
99 000
99 000
99 000
99 000
Total tax
43 487
49 105
39 606
42 484
After tax
55 513
49 895
59 394
56 516
Living cost
39 448
39 448
39 448
39 448
Free-cash
16 065
10 447
19 946
17 068

Estimated living cost  is ₽39448 per week

₽26698
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3227
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽541
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8982
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
₽53448
₽40838
₽40840
₽57452
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
pensions
-
-
-
15 638
unemployment
-
-
-
902
income
-
-
-
21 350
health
-
-
-
6 195
total
-
-
-
44 085
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.

21 224
-
88 234
-
health
1 093
-
3 098
-
unemployment
159
-
451
-
pensions
2 971
-
8 421
-
income
2 926
-
21 350
-
total
7 149
-
33 320
-
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.

21 224
-
88 234
-
health
1 093
-
3 098
-
pensions
2 547
-
7 218
-
unemployment
159
-
451
-
total
3 799
-
10 767
-
Corporate
73 977
99 000
-
-
income
11 097
14 850
-
-
total
11 097
14 850
-
-
Dividends
62 880
84 150
-
-
withholding
9 432
12 623
-
-
total
9 432
12 623
-
-
Income
99 000
99 000
99 000
99 000
Total tax
31 477
27 473
44 087
44 085
After tax
67 523
71 527
54 913
54 915
Living cost
14 075
14 075
14 075
14 075
Free-cash
53 448
57 452
40 838
40 840

Estimated living cost  is ₽14075 per week

₽9477
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1089
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽407
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3102
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
₽12794
₽19850
₽24679
-₽11497
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
pensions
-
-
-
9 108
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.

-
-
-
1 980
health
-
-
-
223
regional
-
-
-
4 136
national
-
-
-
1 063
total
-
-
-
17 554
Employee
66 432
-
88 609
-
health
150
-
200
-
unemployment
-
-
-
-
city
713
-
952
-
pensions
5 581
-
7 443
-
regional
2 175
-
3 539
-
national
314
-
835
-
total
8 933
-
12 969
-
Employer
66 432
-
88 609
-
health
150
-
200
-
pensions
5 581
-
7 443
-
unemployment
-
-
-
-
other

This will depend on a canton and a chosen fund. The rate is between 0.1% and 3.63% for an employee. We use 2% as an average rate.

1 328
-
1 771
-
total
7 059
-
9 414
-
Corporate
24 777
99 000
-
-
regional
5 240
20 938
-
-
national
2 107
8 416
-
-
total
7 347
29 354
-
-
Dividends
17 431
69 646
-
-
withholding
6 100
24 376
-
-
total
6 100
24 376
-
-
Income
99 000
99 000
99 000
99 000
Total tax
29 439
53 730
22 383
17 554
After tax
69 561
45 270
76 617
81 446
Living cost
56 767
56 767
56 767
56 767
Free-cash
12 794
-11 497
19 850
24 679

Estimated living cost  is ₽56767 per week

₽36915
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5094
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽697
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽14061
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
₽33074
₽23428
₽37003
₽33145
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
health
-
-
-
1 184
national
-
-
-
11 849
total
-
-
-
30 640
Employee
42 971
-
83 284
-
health
321
-
942
-
unemployment
645
-
1 249
-
pensions
2 900
-
5 622
-
national
710
-
7 100
-
municipal
7 038
-
13 585
-
total
11 614
-
28 498
-
Employer
42 971
-
83 284
-
health
330
-
642
-
pensions
7 455
-
14 450
-
accident
43
-
84
-
unemployment
279
-
541
-
total
8 107
-
15 717
-
Corporate
47 922
99 000
-
-
income
9 585
19 800
-
-
total
9 585
19 800
-
-
Dividends

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

28 753
59 400
-
-
municipal
5 175
10 691
-
-
national
88
4 007
-
-
total
5 263
14 698
-
-
Income
99 000
99 000
99 000
99 000
Total tax
34 569
34 498
44 215
30 640
After tax
64 431
64 502
54 785
68 360
Living cost
31 357
31 357
31 357
31 357
Free-cash
33 074
33 145
23 428
37 003

Estimated living cost  is ₽31357 per week

₽20482
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3016
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽499
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7361
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
₽13430
₽7581
₽14854
₽25679
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
communal

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

-
-
-
4 991
social contributions
-
-
-
15 811
national
-
-
-
33 564
total
-
-
-
54 366
Employee

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

58 422
-
76 679
-
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.

2 745
-
3 604
-
communal

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

3 047
-
3 999
-
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.

508
-
666
-
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.

4 382
-
5 750
-
national
17 961
-
25 300
-
total
28 643
-
39 319
-
Employer

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

58 422
-
76 679
-
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.

3 593
-
4 716
-
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.

5 177
-
6 793
-
surtax
6 624
-
8 695
-
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.

759
-
997
-
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.

852
-
1 119
-
total
17 005
-
22 320
-
Corporate
23 572
99 000
-
-
income
4 715
19 800
-
-
surtax
95
397
-
-
total
4 810
20 197
-
-
Dividends
18 762
78 803
-
-
withholding

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

5 332
23 344
-
-
total
5 332
23 344
-
-
Income
99 000
99 000
99 000
99 000
Total tax
55 790
43 541
61 639
54 366
After tax
43 210
55 459
37 361
44 634
Living cost
29 780
29 780
29 780
29 780
Free-cash
13 430
25 679
7 581
14 854

Estimated living cost  is ₽29780 per week

₽19182
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2604
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.
₽7528
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
₽18029
₽17148
₽17800
₽18818
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
unemployment
-
-
-
77
municipal
-
-
-
22 850
other
-
-
-
8 974
health
-
-
-
4 819
national
-
-
-
742
accident
-
-
-
154
pensions
-
-
-
8 348
total
-
-
-
45 964
Employee
50 208
-
75 331
-
national
-
-
483
-
municipal
14 972
-
22 464
-
total
14 972
-
22 947
-
Employer
50 208
-
75 331
-
health
3 088
-
4 633
-
pensions
5 427
-
8 143
-
accident
100
-
151
-
unemployment
1 325
-
1 989
-
other
5 834
-
8 753
-
total
15 774
-
23 669
-
Corporate
33 016
99 000
-
-
income
7 263
21 780
-
-
total
7 263
21 780
-
-
Dividends
25 753
77 220
-
-
withholding
7 726
23 166
-
-
total
7 726
23 166
-
-
Income
99 000
99 000
99 000
99 000
Total tax
45 735
44 946
46 616
45 964
After tax
53 265
54 054
52 384
53 036
Living cost
35 236
35 236
35 236
35 236
Free-cash
18 029
18 818
17 148
17 800

Estimated living cost  is ₽35236 per week

₽23353
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3458
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽535
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7890
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
-₽35127
₽48352
₽29602
₽21418
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
55 654
-
-
-
income
12 276
-
-
-
social contributions
4 564
-
650
-
total
16 840
-
650
-
Employer
55 654
-
-
-
social contributions
78 473
-
11 184
-
total
78 473
-
11 184
-
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
95 313
38 768
11 834
30 583
After tax
3 687
60 232
87 166
68 417
Living cost
38 814
38 814
38 814
38 814
Free-cash
-35 127
21 418
48 352
29 602

Estimated living cost  is ₽38814 per week

₽25184
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3650
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽495
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.
₽9485
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
₽42489
₽41868
₽42934
₽45877
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
-
-
-
13 835
health
-
-
-
2 525
social contributions
-
-
-
13 215
total
-
-
-
29 575
Employee
62 804
62 804
90 299
-
health
625
1 068
1 534
-
income
6 595
5 814
13 376
-
social contributions
3 052
5 212
7 030
-
total
10 272
12 094
21 940
-
Employer
62 804
62 804
90 299
-
health
680
1 162
1 671
-
social contributions
3 052
5 212
7 030
-
total
3 732
6 374
8 701
-
Corporate
58 505
29 821
-
-
income
7 313
3 728
-
-
total
7 313
3 728
-
-
Dividends
51 193
26 094
-
-
withholding
8 703
4 436
-
-
total
8 703
4 436
-
-
Income
99 000
99 000
99 000
99 000
Total tax
30 020
26 632
30 641
29 575
After tax
68 980
72 368
68 359
69 425
Living cost
26 491
26 491
26 491
26 491
Free-cash
42 489
45 877
41 868
42 934

Estimated living cost  is ₽26491 per week

₽18109
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2069
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽445
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5868
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
₽40639
₽30294
₽39470
₽39903
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
-
-
-
24 146
pensions
-
-
-
6 270
total
-
-
-
30 416
Employee
39 963
-
86 843
-
health
521
-
1 411
-
pensions
3 050
-
7 999
-
income
7 278
-
18 026
-
total
10 849
-
27 436
-
Employer
39 963
-
86 843
-
health
760
-
1 650
-
pensions
4 038
-
10 506
-
total
4 798
-
12 156
-
Corporate
54 240
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.

10 305
18 810
-
-
total
10 305
18 810
-
-
Dividends
43 935
80 190
-
-
withholding
3 295
11 173
-
-
total
3 295
11 173
-
-
Income
99 000
99 000
99 000
99 000
Total tax
29 247
29 983
39 592
30 416
After tax
69 753
69 017
59 408
68 584
Living cost
29 114
29 114
29 114
29 114
Free-cash
40 639
39 903
30 294
39 470

Estimated living cost  is ₽29114 per week

₽19972
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2677
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽364
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6099
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
₽15894
₽11433
₽15963
₽19609
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
-
-
-
662
regional
-
-
-
2 136
social contributions
-
-
-
25 462
national
-
-
-
22 240
total
-
-
-
50 500
Employee
68 824
-
99 000
-
social contributions
23 207
-
33 382
-
regional
1 039
-
1 825
-
national
11 631
-
19 232
-
municipal
411
-
591
-
total
36 288
-
55 030
-
Employer
68 824
-
99 000
-
total
-
-
-
-
Corporate
30 176
99 000
-
-
nationa
7 243
23 760
-
-
municipal
1 454
4 772
-
-
total
8 697
28 532
-
-
Dividends
21 479
70 467
-
-
withholding
5 584
18 322
-
-
total
5 584
18 322
-
-
Income
99 000
99 000
99 000
99 000
Total tax
50 569
46 854
55 030
50 500
After tax
48 431
52 146
43 970
48 500
Living cost
32 537
32 537
32 537
32 537
Free-cash
15 894
19 609
11 433
15 963

Estimated living cost  is ₽32537 per week

₽22855
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2238
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽491
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6951
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
₽5366
₽35095
₽50526
-₽9275
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
pensions
-
-
-
3 271
income
-
-
-
25 706
other
-
-
-
291
health
-
-
-
1 714
accident
-
-
-
198
total
-
-
-
31 180
Employee
27 204
-
86 765
-
health
3 115
-
9 935
-
pensions
3 063
-
5 997
-
income
3 732
-
18 444
-
total
9 910
-
34 376
-
Employer
27 204
-
86 765
-
pensions
4 424
-
8 660
-
accident
454
-
1 449
-
unemployment
666
-
2 126
-
total
5 544
-
12 235
-
Corporate
66 252
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.

59 627
89 100
-
-
total
59 627
89 100
-
-
Dividends
6 625
9 900
-
-
withholding
1 259
1 881
-
-
total
1 259
1 881
-
-
Income
99 000
99 000
99 000
99 000
Total tax
76 340
90 981
46 611
31 180
After tax
22 660
8 019
52 389
67 820
Living cost
17 294
17 294
17 294
17 294
Free-cash
5 366
-9 275
35 095
50 526

Estimated living cost  is ₽17294 per week

₽12675
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽958
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽361
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3300
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
₽30177
₽34852
₽26095
₽19490
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
trade
-
-
-
8 757
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.

-
-
-
25 627
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.

-
-
-
5 580
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.

-
-
-
1 409
total
-
-
-
41 373
Employee

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

40 638
-
99 000
-
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.

5 580
-
5 580
-
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.

3 342
-
25 627
-
surtax

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

184
-
1 409
-
total
9 106
-
32 616
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
58 362
99 000
-
-
income
8 754
14 850
-
-
trade
8 374
14 207
-
-
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.

482
817
-
-
chamber of commerce
209
270
-
-
total
17 819
30 144
-
-
Dividends
40 542
68 857
-
-
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.

541
930
-
-
withholding
9 825
16 904
-
-
total
10 366
17 834
-
-
Income
99 000
99 000
99 000
99 000
Total tax
37 291
47 978
32 616
41 373
After tax
61 709
51 022
66 384
57 627
Living cost
31 532
31 532
31 532
31 532
Free-cash
30 177
19 490
34 852
26 095

Estimated living cost  is ₽31532 per week

₽21752
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3393
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽457
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5930
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
₽55508
₽38612
₽10828
₽62208
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
income
-
-
-
14 642
microenterprise
-
-
-
-
social contributions

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

-
-
-
31 293
surtax
-
-
-
25 245
total
-
-
-
71 180
Employee
23 866
-
79 781
-
income
4 248
-
15 401
-
social contributions

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

2 626
-
8 776
-
surtax
-
-
-
-
total
6 874
-
24 177
-
Employer
23 866
-
79 781
-
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.

5 749
-
19 219
-
surtax
-
-
-
-
total
5 749
-
19 219
-
Corporate
69 386
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%.

13 877
19 800
-
-
total
13 877
19 800
-
-
Dividends

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

55 509
79 200
-
-
total
-
-
-
-
Income
99 000
99 000
99 000
99 000
Total tax
26 500
19 800
43 396
71 180
After tax
72 500
79 200
55 604
27 820
Living cost
16 992
16 992
16 992
16 992
Free-cash
55 508
62 208
38 612
10 828

Estimated living cost  is ₽16992 per week

₽10840
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1618
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽386
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4148
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
₽50089
₽47703
₽48417
₽51738
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
-
-
-
27 914
health
-
-
-
5 309
pensions
-
-
-
7 322
total
-
-
-
40 545
Employee
15 289
-
90 763
-
health
764
-
1 831
-
unemployment
153
-
366
-
pensions
1 376
-
3 295
-
income
2 958
-
27 530
-
total
5 251
-
33 022
-
Employer
15 289
-
90 763
-
health
1 453
-
3 478
-
pensions
1 682
-
4 027
-
unemployment
306
-
732
-
total
3 441
-
8 237
-
Corporate
80 270
99 000
-
-
income
17 659
21 780
-
-
total
17 659
21 780
-
-
Dividends
62 611
77 220
-
-
withholding
12 522
15 444
-
-
total
12 522
15 444
-
-
Income
99 000
99 000
99 000
99 000
Total tax
38 873
37 224
41 259
40 545
After tax
60 127
61 776
57 741
58 455
Living cost
10 038
10 038
10 038
10 038
Free-cash
50 089
51 738
47 703
48 417

Estimated living cost  is ₽10038 per week

₽5965
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽814
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽230
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3029
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
₽41329
₽28283
₽29912
₽43926
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
pensions
-
-
-
19 800
unemployment
-
-
-
186
income
-
-
-
20 924
other
-
-
-
-
health
-
-
-
7 029
surtax
-
-
-
2 804
total
-
-
-
50 743
Employee
27 505
-
81 783
-
health
702
-
2 085
-
unemployment
1 914
-
5 691
-
pensions
1 835
-
5 454
-
income
4 611
-
19 379
-
other
-
-
-
-
surtax
98
-
2 547
-
total
9 160
-
35 156
-
Employer
27 505
-
81 783
-
health
1 251
-
3 721
-
pensions
3 667
-
10 902
-
unemployment
873
-
2 593
-
other
-
-
-
-
total
5 791
-
17 216
-
Corporate
65 704
99 000
-
-
income
17 083
25 740
-
-
total
17 083
25 740
-
-
Dividends
48 621
73 260
-
-
withholding
7 292
10 989
-
-
total
7 292
10 989
-
-
Income
99 000
99 000
99 000
99 000
Total tax
39 326
36 729
52 372
50 743
After tax
59 674
62 271
46 628
48 257
Living cost
18 345
18 345
18 345
18 345
Free-cash
41 329
43 926
28 283
29 912

Estimated living cost  is ₽18345 per week

₽11076
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1595
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽426
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5250
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
₽28833
₽1777
₽23356
₽29239
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
pensions
-
-
-
17 652
chamber of commerce
-
-
-
395
unemployment
-