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
₽ 99500
per

Your estimated
City
free-cash

Valencia , Spain
₽40256
₽28716
₽32580
₽44400
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
-
-
-
99 500
unemployment
-
-
-
530
income
-
-
-
21 749
other
-
-
-
76
accident
-
-
-
682
pensions
-
-
-
21 423
total
-
-
-
44 460
Employee
30 200
-
75 448
-
unemployment
468
-
1 170
-
pensions
1 420
-
3 546
-
income
5 822
-
19 480
-
other
29
-
76
-
total
7 739
-
24 272
-
Employer
30 200
-
75 448
-
pensions
7 127
-
17 806
-
accident
598
-
1 494
-
unemployment
1 662
-
4 149
-
other
242
-
603
-
total
9 629
-
24 052
-
Corporate
59 672
99 500
-
-
income

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

8 951
14 924
-
-
total
8 951
14 924
-
-
Dividends
50 721
84 576
-
-
withholding
10 465
17 716
-
-
total
10 465
17 716
-
-
Income
99 500
99 500
99 500
99 500
Total tax
36 784
32 640
48 324
44 460
After tax
62 716
66 860
51 176
55 040
Living cost
22 460
22 460
22 460
22 460
Free-cash
40 256
44 400
28 716
32 580

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
₽45826
₽35695
₽31579
₽51340
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
-
-
-
99 500
pensions

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

-
-
-
23 880
income
-
-
-
13 173
other
-
-
-
4 726
health
-
-
-
4 379
total
-
-
-
46 158
Employee
29 655
-
79 472
-
health
415
-
1 113
-
unemployment
296
-
795
-
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
-
5 563
-
income
5 105
-
14 545
-
total
7 891
-
22 016
-
Employer
29 655
-
79 472
-
health
415
-
1 113
-
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
-
13 509
-
accident
237
-
635
-
unemployment
296
-
795
-
other
1 483
-
3 974
-
total
7 473
-
20 026
-
Corporate
62 371
99 500
-
-
income
13 098
20 895
-
-
total
13 098
20 895
-
-
Dividends
49 273
78 605
-
-
withholding
3 449
5 502
-
-
total
3 449
5 502
-
-
Income
99 500
99 500
99 500
99 500
Total tax
31 911
26 397
42 042
46 158
After tax
67 589
73 103
57 458
53 342
Living cost
21 763
21 763
21 763
21 763
Free-cash
45 826
51 340
35 695
31 579

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
₽70573
₽69675
₽66252
₽74366
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
-
-
-
99 500
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
-
-
-
14 925
health
-
-
-
3 280
total
-
-
-
22 541
Employee
14 177
-
93 904
-
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
-
9 391
-
total
3 470
-
13 522
-
Employer
14 177
-
93 904
-
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
82 541
99 500
-
-
income
8 254
9 950
-
-
total
8 254
9 950
-
-
Dividends
74 287
89 550
-
-
withholding
3 714
4 477
-
-
total
3 714
4 477
-
-
Income
99 500
99 500
99 500
99 500
Total tax
18 220
14 427
19 118
22 541
After tax
81 280
85 073
80 382
76 959
Living cost
10 707
10 707
10 707
10 707
Free-cash
70 573
74 366
69 675
66 252

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
₽27029
₽31673
₽28845
₽22205
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
-
-
-
99 500
income
-
-
-
11 998
other
-
-
-
3 084
health
-
-
-
2 822
social contributions
-
-
-
2 835
pensions
-
-
-
21 972
surtax
-
-
-
-
total
-
-
-
42 711
Employee
34 956
-
79 504
-
pensions
3 952
-
4 459
-
income
2 063
-
13 166
-
social contributions
997
-
2 266
-
surtax
-
-
-
-
total
7 012
-
19 891
-
Employer
34 956
-
79 504
-
health
2 447
-
6 092
-
social contributions
105
-
239
-
pensions
5 742
-
7 699
-
unemployment
1 415
-
3 219
-
other
1 206
-
2 743
-
total
10 915
-
19 992
-
Corporate
53 628
99 500
-
-
income
15 016
27 860
-
-
surtax
-
-
-
-
total
15 016
27 860
-
-
Dividends
38 613
71 640
-
-
social contributions
6 641
12 322
-
-
surtax
-
-
-
-
withholding
4 943
9 169
-
-
total
11 584
21 491
-
-
Income
99 500
99 500
99 500
99 500
Total tax
44 527
49 351
39 883
42 711
After tax
54 973
50 149
59 617
56 789
Living cost
27 944
27 944
27 944
27 944
Free-cash
27 029
22 205
31 673
28 845

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
₽9382
₽19516
₽22892
₽14387
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
-
-
-
99 500
pensions
-
-
-
9 569
income
-
-
-
22 753
health
-
-
-
10 071
total
-
-
-
42 393
Employee
69 747
69 747
84 673
-
health
10 705
9 106
9 957
-
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
30 942
-
Employer
69 747
69 747
84 673
-
health
4 848
4 848
5 885
-
pensions
4 854
4 854
5 893
-
unemployment
2 511
2 511
3 049
-
total
12 213
12 213
14 827
-
Corporate
18 395
17 540
-
-
income
3 680
3 507
-
-
total
3 680
3 507
-
-
Dividends
14 716
14 032
-
-
income
3 128
2 982
-
-
withholding
2 207
2 105
-
-
total
5 335
5 087
-
-
Income
99 500
99 500
99 500
99 500
Total tax
55 903
50 898
45 769
42 393
After tax
43 597
48 602
53 731
57 107
Living cost
34 215
34 215
34 215
34 215
Free-cash
9 382
14 387
19 516
22 892

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
₽34551
₽41923
₽32233
₽25519
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.

-
-
-
99 500
trade
-
-
-
9 690
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.

-
-
-
25 837
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.

-
-
-
1 421
total
-
-
-
42 528
Employee

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

31 239
-
99 500
-
health

Our model is based on the assumption that an owner of the company is either a director or registered self-employed, so all social security contributions are not mandatory.

However, you would need to purchase private health insurance. We took an average price of €3600 per annum per person.

5 580
-
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
-
25 837
-
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
-
1 421
-
total
6 501
-
32 838
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
68 261
99 500
-
-
income
10 239
14 924
-
-
trade
10 752
15 671
-
-
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.

563
821
-
-
chamber of commerce
222
267
-
-
total
21 776
31 683
-
-
Dividends
46 486
67 816
-
-
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.

622
916
-
-
withholding
11 311
16 643
-
-
total
11 933
17 559
-
-
Income
99 500
99 500
99 500
99 500
Total tax
40 210
49 242
32 838
42 528
After tax
59 290
50 258
66 662
56 972
Living cost
24 739
24 739
24 739
24 739
Free-cash
34 551
25 519
41 923
32 233

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
₽49377
₽49786
₽50858
₽53822
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
-
-
-
99 500
income
-
-
-
13 980
health
-
-
-
2 537
social contributions
-
-
-
13 215
total
-
-
-
29 732
Employee
62 804
62 804
90 789
-
health
487
1 068
1 544
-
income
6 838
5 814
13 520
-
social contributions
2 374
5 212
7 030
-
total
9 699
12 094
22 094
-
Employer
62 804
62 804
90 789
-
health
529
1 162
1 680
-
social contributions
2 374
5 212
7 030
-
total
2 903
6 374
8 710
-
Corporate
67 988
30 321
-
-
income
8 498
3 790
-
-
total
8 498
3 790
-
-
Dividends
59 489
26 532
-
-
withholding
10 113
4 510
-
-
total
10 113
4 510
-
-
Income
99 500
99 500
99 500
99 500
Total tax
31 213
26 768
30 804
29 732
After tax
68 287
72 732
68 696
69 768
Living cost
18 910
18 910
18 910
18 910
Free-cash
49 377
53 822
49 786
50 858

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
₽30155
₽22973
₽29149
₽30977
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.

-
-
-
99 500
income
-
-
-
10 156
social contributions

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

-
-
-
34 576
surtax
-
-
-
-
total
-
-
-
44 732
Employee
37 564
-
80 403
-
income
7 813
-
22 969
-
social contributions
4 132
-
8 844
-
surtax
-
-
-
-
total
11 945
-
31 813
-
Employer
37 564
-
80 403
-
social contributions
8 921
-
19 095
-
total
8 921
-
19 095
-
Corporate
53 015
99 500
-
-
income
11 133
20 895
-
-
surtax
-
-
-
-
total
11 133
20 895
-
-
Dividends
41 881
78 605
-
-
withholding
11 727
22 009
-
-
total
11 727
22 009
-
-
Income
99 500
99 500
99 500
99 500
Total tax
43 726
42 904
50 908
44 732
After tax
55 774
56 596
48 592
54 768
Living cost
25 619
25 619
25 619
25 619
Free-cash
30 155
30 977
22 973
29 149

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
₽87291
₽73509
₽92414
₽88434
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%.

-
-
-
99 500
microenterprise

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

-
-
-
995
total
-
-
-
995
Employee
7 614
-
99 500
-
income
1 523
-
19 900
-
total
1 523
-
19 900
-
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%.

91 886
99 500
-
-
total
-
-
-
-
Dividends
91 886
99 500
-
-
withholding
4 595
4 975
-
-
total
4 595
4 975
-
-
Income
99 500
99 500
99 500
99 500
Total tax
6 118
4 975
19 900
995
After tax
93 382
94 525
79 600
98 505
Living cost
6 091
6 091
6 091
6 091
Free-cash
87 291
88 434
73 509
92 414

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
₽39767
₽25937
₽28791
₽46599
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.

-
-
-
99 500
pensions
-
-
-
18 171
unemployment
-
-
-
149
income
-
-
-
20 691
health
-
-
-
9 791
total
-
-
-
48 802
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
-
86 095
-
health
2 333
-
5 563
-
unemployment
51
-
121
-
pensions
5 598
-
13 345
-
income
6 228
-
19 222
-
total
14 210
-
38 251
-
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
-
86 095
-
health
2 405
-
5 735
-
pensions
3 196
-
7 619
-
unemployment
22
-
51
-
total
5 623
-
13 405
-
Corporate
57 760
99 500
-
-
income
10 975
18 905
-
-
total
10 975
18 905
-
-
Dividends
46 785
80 595
-
-
withholding
7 018
12 089
-
-
total
7 018
12 089
-
-
Income
99 500
99 500
99 500
99 500
Total tax
37 826
30 994
51 656
48 802
After tax
61 674
68 506
47 844
50 698
Living cost
21 907
21 907
21 907
21 907
Free-cash
39 767
46 599
25 937
28 791

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
₽33567
₽43705
₽41432
₽30712
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.

-
-
-
99 500
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
-
95 743
-
social contributions
3 754
-
3 757
-
income
4 065
-
18 633
-
total
7 819
-
22 390
-
Employer
37 468
-
95 743
-
social contributions
3 754
-
3 757
-
total
3 754
-
3 757
-
Corporate
58 279
99 500
-
-
income
20 397
34 825
-
-
total
20 397
34 825
-
-
Dividends
37 881
64 675
-
-
social contributions
4 315
4 315
-
-
total
4 315
4 315
-
-
Income
99 500
99 500
99 500
99 500
Total tax
36 285
39 140
26 147
28 420
After tax
63 215
60 360
73 353
71 080
Living cost
29 648
29 648
29 648
29 648
Free-cash
33 567
30 712
43 705
41 432

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
₽43809
₽45832
₽46581
₽43385
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
-
-
-
99 500
income
-
-
-
14 924
health
-
-
-
6 945
social contributions
-
-
-
13 731
total
-
-
-
35 600
Employee
27 693
-
99 500
-
health
1 933
-
6 945
-
income
4 619
-
15 673
-
social contributions
3 822
-
13 731
-
total
10 374
-
36 349
-
Employer
27 693
-
99 500
-
total
-
-
-
-
Corporate
71 807
99 500
-
-
income

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

3 590
4 975
-
-
total
3 590
4 975
-
-
Dividends
68 218
94 525
-
-
social contributions
9 414
13 044
-
-
withholding
10 233
14 179
-
-
health
4 761
6 598
-
-
total
24 408
33 821
-
-
Income
99 500
99 500
99 500
99 500
Total tax
38 372
38 796
36 349
35 600
After tax
61 128
60 704
63 151
63 900
Living cost
17 319
17 319
17 319
17 319
Free-cash
43 809
43 385
45 832
46 581

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
₽37619
₽27728
₽27796
₽45741
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
-
-
-
99 500
income
-
-
-
8 922
health
-
-
-
13 433
social contributions
-
-
-
26 584
solidarity contribution
-
-
-
-
total
-
-
-
48 939
Employee
33 479
-
74 254
-
health
4 520
-
10 024
-
solidarity contribution
-
-
-
-
income
4 017
-
8 910
-
social contributions
2 176
-
4 827
-
total
10 713
-
23 761
-
Employer
33 479
-
74 254
-
health
3 013
-
6 683
-
social contributions
8 370
-
18 563
-
total
11 383
-
25 246
-
Corporate
54 639
99 500
-
-
income
10 381
18 905
-
-
total
10 381
18 905
-
-
Dividends
44 257
80 595
-
-
withholding
6 639
12 089
-
-
total
6 639
12 089
-
-
Income
99 500
99 500
99 500
99 500
Total tax
39 116
30 994
49 007
48 939
After tax
60 384
68 506
50 493
50 561
Living cost
22 765
22 765
22 765
22 765
Free-cash
37 619
45 741
27 728
27 796

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
₽83253
₽70108
₽89013
₽85033
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%.

-
-
-
99 500
microenterprise

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

-
-
-
995
total
-
-
-
995
Employee
11 865
-
99 500
-
income
2 373
-
19 900
-
total
2 373
-
19 900
-
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%.

87 635
99 500
-
-
total
-
-
-
-
Dividends
87 635
99 500
-
-
withholding
4 382
4 975
-
-
total
4 382
4 975
-
-
Income
99 500
99 500
99 500
99 500
Total tax
6 755
4 975
19 900
995
After tax
92 745
94 525
79 600
98 505
Living cost
9 492
9 492
9 492
9 492
Free-cash
83 253
85 033
70 108
89 013

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
₽16315
₽20169
₽17341
₽10701
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
-
-
-
99 500
income
-
-
-
11 998
other
-
-
-
3 084
health
-
-
-
2 822
social contributions
-
-
-
2 835
pensions
-
-
-
21 972
surtax
-
-
-
-
total
-
-
-
42 711
Employee
51 154
-
79 504
-
pensions
5 786
-
4 459
-
income
4 463
-
13 166
-
social contributions
1 457
-
2 266
-
surtax
-
-
-
-
total
11 706
-
19 891
-
Employer
51 154
-
79 504
-
health
3 580
-
6 092
-
social contributions
153
-
239
-
pensions
8 405
-
7 699
-
unemployment
2 072
-
3 219
-
other
1 765
-
2 743
-
total
15 975
-
19 992
-
Corporate
32 369
99 500
-
-
income
9 064
27 860
-
-
surtax
-
-
-
-
total
9 064
27 860
-
-
Dividends
23 305
71 640
-
-
social contributions
4 008
12 322
-
-
surtax
-
-
-
-
withholding
2 984
9 169
-
-
total
6 992
21 491
-
-
Income
99 500
99 500
99 500
99 500
Total tax
43 737
49 351
39 883
42 711
After tax
55 763
50 149
59 617
56 789
Living cost
39 448
39 448
39 448
39 448
Free-cash
16 315
10 701
20 169
17 341

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
₽53809
₽41213
₽41215
₽57814
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.

-
-
-
99 500
pensions
-
-
-
15 638
unemployment
-
-
-
902
income
-
-
-
21 475
health
-
-
-
6 195
total
-
-
-
44 210
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
-
88 734
-
health
1 093
-
3 098
-
unemployment
159
-
451
-
pensions
2 971
-
8 421
-
income
2 926
-
21 475
-
total
7 149
-
33 445
-
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
-
88 734
-
health
1 093
-
3 098
-
pensions
2 547
-
7 218
-
unemployment
159
-
451
-
total
3 799
-
10 767
-
Corporate
74 477
99 500
-
-
income
11 172
14 925
-
-
total
11 172
14 925
-
-
Dividends
63 305
84 575
-
-
withholding
9 496
12 686
-
-
total
9 496
12 686
-
-
Income
99 500
99 500
99 500
99 500
Total tax
31 616
27 611
44 212
44 210
After tax
67 884
71 889
55 288
55 290
Living cost
14 075
14 075
14 075
14 075
Free-cash
53 809
57 814
41 213
41 215

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
₽13022
₽20218
₽25068
-₽11269
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
-
-
-
99 500
pensions
-
-
-
9 153
city
-
-
-
1 048
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.

-
-
-
1 990
health
-
-
-
225
regional
-
-
-
4 173
national
-
-
-
1 076
total
-
-
-
17 665
Employee
66 432
-
89 058
-
health
150
-
200
-
unemployment
-
-
-
-
city
713
-
956
-
pensions
5 581
-
7 481
-
regional
2 175
-
3 568
-
national
314
-
847
-
total
8 933
-
13 052
-
Employer
66 432
-
89 058
-
health
150
-
200
-
pensions
5 581
-
7 481
-
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
-
1 782
-
total
7 059
-
9 463
-
Corporate
25 277
99 500
-
-
regional
5 346
21 045
-
-
national
2 149
8 458
-
-
total
7 495
29 503
-
-
Dividends
17 782
69 997
-
-
withholding
6 224
24 499
-
-
total
6 224
24 499
-
-
Income
99 500
99 500
99 500
99 500
Total tax
29 711
54 002
22 515
17 665
After tax
69 789
45 498
76 985
81 835
Living cost
56 767
56 767
56 767
56 767
Free-cash
13 022
-11 269
20 218
25 068

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
₽33402
₽23658
₽37301
₽33439
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

-
-
-
99 500
municipal
-
-
-
17 696
health
-
-
-
1 192
national
-
-
-
11 954
total
-
-
-
30 842
Employee
42 971
-
83 705
-
health
321
-
949
-
unemployment
645
-
1 255
-
pensions
2 900
-
5 650
-
national
710
-
7 182
-
municipal
7 038
-
13 653
-
total
11 614
-
28 689
-
Employer
42 971
-
83 705
-
health
330
-
645
-
pensions
7 455
-
14 523
-
accident
43
-
84
-
unemployment
279
-
544
-
total
8 107
-
15 796
-
Corporate
48 422
99 500
-
-
income
9 684
19 900
-
-
total
9 684
19 900
-
-
Dividends

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

29 053
59 700
-
-
municipal
5 229
10 746
-
-
national
107
4 058
-
-
total
5 336
14 804
-
-
Income
99 500
99 500
99 500
99 500
Total tax
34 741
34 704
44 485
30 842
After tax
64 759
64 796
55 015
68 658
Living cost
31 357
31 357
31 357
31 357
Free-cash
33 402
33 439
23 658
37 301

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
₽13711
₽7733
₽15041
₽25959
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
-
-
-
99 500
communal

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

-
-
-
5 017
social contributions
-
-
-
15 883
national
-
-
-
33 779
total
-
-
-
54 679
Employee

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

58 422
-
77 065
-
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
-
3 622
-
communal

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

3 047
-
4 019
-
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
-
671
-
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
-
5 780
-
national
17 961
-
25 465
-
total
28 643
-
39 557
-
Employer

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

58 422
-
77 065
-
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
-
4 738
-
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
-
6 827
-
surtax
6 624
-
8 739
-
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
-
1 001
-
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
-
1 125
-
total
17 005
-
22 430
-
Corporate
24 072
99 500
-
-
income
4 814
19 900
-
-
surtax
96
398
-
-
total
4 910
20 298
-
-
Dividends
19 162
79 202
-
-
withholding

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

5 451
23 463
-
-
total
5 451
23 463
-
-
Income
99 500
99 500
99 500
99 500
Total tax
56 009
43 761
61 987
54 679
After tax
43 491
55 739
37 513
44 821
Living cost
29 780
29 780
29 780
29 780
Free-cash
13 711
25 959
7 733
15 041

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
₽18301
₽17340
₽18050
₽19091
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
-
-
-
99 500
unemployment
-
-
-
77
municipal
-
-
-
23 000
other
-
-
-
8 974
health
-
-
-
4 819
national
-
-
-
842
accident
-
-
-
154
pensions
-
-
-
8 348
total
-
-
-
46 214
Employee
50 208
-
75 711
-
national
-
-
559
-
municipal
14 972
-
22 577
-
total
14 972
-
23 136
-
Employer
50 208
-
75 711
-
health
3 088
-
4 656
-
pensions
5 427
-
8 184
-
accident
100
-
151
-
unemployment
1 325
-
1 999
-
other
5 834
-
8 798
-
total
15 774
-
23 788
-
Corporate
33 516
99 500
-
-
income
7 374
21 890
-
-
total
7 374
21 890
-
-
Dividends
26 143
77 610
-
-
withholding
7 843
23 283
-
-
total
7 843
23 283
-
-
Income
99 500
99 500
99 500
99 500
Total tax
45 963
45 173
46 924
46 214
After tax
53 537
54 327
52 576
53 286
Living cost
35 236
35 236
35 236
35 236
Free-cash
18 301
19 091
17 340
18 050

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
-₽34627
₽48852
₽29948
₽21722
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
-
-
-
99 500
income
-
-
-
19 395
social contributions
-
-
-
11 343
total
-
-
-
30 738
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
-
99 500
-
-
income
-
21 890
-
-
total
-
21 890
-
-
Dividends
-
77 610
-
-
income
-
17 074
-
-
total
-
17 074
-
-
Income
99 500
99 500
99 500
99 500
Total tax
95 313
38 964
11 834
30 738
After tax
4 187
60 536
87 666
68 762
Living cost
38 814
38 814
38 814
38 814
Free-cash
-34 627
21 722
48 852
29 948

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
₽42852
₽42205
₽43277
₽46241
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
-
-
-
99 500
income
-
-
-
13 980
health
-
-
-
2 537
social contributions
-
-
-
13 215
total
-
-
-
29 732
Employee
62 804
62 804
90 789
-
health
625
1 068
1 544
-
income
6 595
5 814
13 520
-
social contributions
3 052
5 212
7 030
-
total
10 272
12 094
22 094
-
Employer
62 804
62 804
90 789
-
health
680
1 162
1 680
-
social contributions
3 052
5 212
7 030
-
total
3 732
6 374
8 710
-
Corporate
59 005
30 321
-
-
income
7 376
3 790
-
-
total
7 376
3 790
-
-
Dividends
51 629
26 532
-
-
withholding
8 777
4 510
-
-
total
8 777
4 510
-
-
Income
99 500
99 500
99 500
99 500
Total tax
30 157
26 768
30 804
29 732
After tax
69 343
72 732
68 696
69 768
Living cost
26 491
26 491
26 491
26 491
Free-cash
42 852
46 241
42 205
43 277

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
₽41013
₽30543
₽39765
₽40175
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
-
-
-
99 500
income
-
-
-
24 341
pensions
-
-
-
6 280
total
-
-
-
30 621
Employee
39 963
-
87 275
-
health
521
-
1 416
-
pensions
3 050
-
8 008
-
income
7 278
-
18 194
-
total
10 849
-
27 618
-
Employer
39 963
-
87 275
-
health
760
-
1 659
-
pensions
4 038
-
10 566
-
total
4 798
-
12 225
-
Corporate
54 740
99 500
-
-
income

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

10 400
18 905
-
-
total
10 400
18 905
-
-
Dividends
44 340
80 595
-
-
withholding
3 326
11 306
-
-
total
3 326
11 306
-
-
Income
99 500
99 500
99 500
99 500
Total tax
29 373
30 211
39 843
30 621
After tax
70 127
69 289
59 657
68 879
Living cost
29 114
29 114
29 114
29 114
Free-cash
41 013
40 175
30 543
39 765

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
₽16157
₽11622
₽16174
₽19873
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
-
-
-
99 500
municipal
-
-
-
665
regional
-
-
-
2 152
social contributions
-
-
-
25 591
national
-
-
-
22 381
total
-
-
-
50 789
Employee
68 824
-
99 500
-
social contributions
23 207
-
33 551
-
regional
1 039
-
1 839
-
national
11 631
-
19 357
-
municipal
411
-
594
-
total
36 288
-
55 341
-
Employer
68 824
-
99 500
-
total
-
-
-
-
Corporate
30 676
99 500
-
-
nationa
7 362
23 880
-
-
municipal
1 479
4 795
-
-
total
8 841
28 675
-
-
Dividends
21 835
70 825
-
-
withholding
5 677
18 415
-
-
total
5 677
18 415
-
-
Income
99 500
99 500
99 500
99 500
Total tax
50 806
47 090
55 341
50 789
After tax
48 694
52 410
44 159
48 711
Living cost
32 537
32 537
32 537
32 537
Free-cash
16 157
19 873
11 622
16 174

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
₽5408
₽35383
₽50866
-₽9235
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
-
-
-
99 500
pensions
-
-
-
3 271
income
-
-
-
25 866
other
-
-
-
291
health
-
-
-
1 714
accident
-
-
-
198
total
-
-
-
31 340
Employee
27 204
-
87 245
-
health
3 115
-
9 990
-
pensions
3 063
-
5 997
-
income
3 732
-
18 581
-
total
9 910
-
34 568
-
Employer
27 204
-
87 245
-
pensions
4 424
-
8 660
-
accident
454
-
1 457
-
unemployment
666
-
2 138
-
total
5 544
-
12 255
-
Corporate
66 752
99 500
-
-
income

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

60 076
89 550
-
-
total
60 076
89 550
-
-
Dividends
6 675
9 950
-
-
withholding
1 268
1 891
-
-
total
1 268
1 891
-
-
Income
99 500
99 500
99 500
99 500
Total tax
76 798
91 441
46 823
31 340
After tax
22 702
8 059
52 677
68 160
Living cost
17 294
17 294
17 294
17 294
Free-cash
5 408
-9 235
35 383
50 866

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
₽30431
₽35130
₽26302
₽19748
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.

-
-
-
99 500
trade
-
-
-
8 828
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.

-
-
-
25 837
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.

-
-
-
1 421
total
-
-
-
41 666
Employee

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

40 638
-
99 500
-
health

Our model is based on the assumption that an owner of the company is either a director or registered self-employed, so all social security contributions are not mandatory.

However, you would need to purchase private health insurance. We took an average price of €3600 per annum per person.

5 580
-
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
-
25 837
-
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
-
1 421
-
total
9 106
-
32 838
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
58 862
99 500
-
-
income
8 830
14 924
-
-
trade
8 447
14 278
-
-
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.

485
821
-
-
chamber of commerce
211
270
-
-
total
17 973
30 293
-
-
Dividends
40 889
69 207
-
-
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.

546
935
-
-
withholding
9 912
16 992
-
-
total
10 458
17 927
-
-
Income
99 500
99 500
99 500
99 500
Total tax
37 537
48 220
32 838
41 666
After tax
61 963
51 280
66 662
57 834
Living cost
31 532
31 532
31 532
31 532
Free-cash
30 431
19 748
35 130
26 302

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
₽55908
₽38886
₽11085
₽62608
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.

-
-
-
99 500
income
-
-
-
14 758
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
-
-
-
25 372
total
-
-
-
71 423
Employee
23 866
-
80 183
-
income
4 248
-
15 484
-
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
-
8 821
-
surtax
-
-
-
-
total
6 874
-
24 305
-
Employer
23 866
-
80 183
-
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
-
19 317
-
surtax
-
-
-
-
total
5 749
-
19 317
-
Corporate
69 886
99 500
-
-
income

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

13 977
19 900
-
-
total
13 977
19 900
-
-
Dividends

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

55 908
79 600
-
-
total
-
-
-
-
Income
99 500
99 500
99 500
99 500
Total tax
26 600
19 900
43 622
71 423
After tax
72 900
79 600
55 878
28 077
Living cost
16 992
16 992
16 992
16 992
Free-cash
55 908
62 608
38 886
11 085

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
₽50400
₽48028
₽48742
₽52050
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
-
-
-
99 500
income
-
-
-
28 089
health
-
-
-
5 309
pensions
-
-
-
7 322
total
-
-
-
40 720
Employee
15 289
-
91 263
-
health
764
-
1 831
-
unemployment
153
-
366
-
pensions
1 376
-
3 295
-
income
2 958
-
27 705
-
total
5 251
-
33 197
-
Employer
15 289
-
91 263
-
health
1 453
-
3 478
-
pensions
1 682
-
4 027
-
unemployment
306
-
732
-
total
3 441
-
8 237
-
Corporate
80 770
99 500
-
-
income
17 770
21 890
-
-
total
17 770
21 890
-
-
Dividends
63 001
77 610
-
-
withholding
12 600
15 522
-
-
total
12 600
15 522
-
-
Income
99 500
99 500
99 500
99 500
Total tax
39 062
37 412
41 434
40 720
After tax
60 438
62 088
58 066
58 780
Living cost
10 038
10 038
10 038
10 038
Free-cash
50 400
52 050
48 028
48 742

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
₽41642
₽28447
₽30084
₽44240
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
-
-
-
99 500
pensions
-
-
-
19 900
unemployment
-
-
-
186
income
-
-
-
21 088
other
-
-
-
-
health
-
-
-
7 065
surtax
-
-
-
2 832
total
-
-
-
51 071
Employee
27 505
-
82 198
-
health
702
-
2 096
-
unemployment
1 914
-
5 721
-
pensions
1 835
-
5 482
-
income
4 611
-
19 535
-
other
-
-
-
-
surtax
98
-
2 573
-
total
9 160
-
35 407
-
Employer
27 505
-
82 198
-
health
1 251
-
3 740
-
pensions
3 667
-
10 956
-
unemployment
873
-
2 605
-
other
-
-
-
-
total
5 791
-
17 301
-
Corporate
66 204
99 500
-
-
income
17 214
25 870
-
-
total
17 214
25 870
-
-
Dividends
48 991
73 630
-
-
withholding
7 348
11 045
-
-
total
7 348
11 045
-
-
Income
99 500
99 500
99 500
99 500
Total tax
39 513
36 915
52 708
51 071
After tax
59 987
62 585
46 792
48 429
Living cost
18 345
18 345
18 345
18 345
Free-cash
41 642
44 240
28 447
30 084

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
₽29104
₽1869
₽23643
₽29509
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
-
-
-
99 500
pensions
-
-
-
17 652
chamber of commerce
-
-
-
398
unemployment