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
₽28542
₽32245
₽44168
₽39963
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
-
-
-
21 582
accident
-
-
-
690
unemployment
-
-
-
536
pensions
-
-
-
21 661
other
-
-
-
77
total
-
-
-
44 546
Employee
30 535
-
75 448
-
other
30
-
75
-
income
5 887
-
19 407
-
unemployment
473
-
1 169
-
pensions
1 435
-
3 546
-
total
7 825
-
24 197
-
Employer
30 535
-
75 448
-
unemployment
1 680
-
4 150
-
pensions
7 206
-
17 806
-
other
244
-
603
-
accident
605
-
1 493
-
total
9 735
-
24 052
-
Corporate
59 230
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.

8 884
14 925
-
-
total
8 884
14 925
-
-
Dividends
50 346
84 575
-
-
withholding
10 384
17 698
-
-
total
10 384
17 698
-
-
Income
99 500
99 500
99 500
99 500
Total tax
36 828
32 623
48 249
44 546
After tax
62 672
66 877
51 251
54 954
Living cost
22 709
22 709
22 709
22 709
Free-cash
39 963
44 168
28 542
32 245

Estimated living cost  is ₽22709 per week

₽15328
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2183
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽398
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4800
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
₽35490
₽31374
₽51098
₽45521
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
-
-
-
13 134
health
-
-
-
4 379
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.

-
-
-
23 882
other
-
-
-
4 726
total
-
-
-
46 121
Employee
29 984
-
79 472
-
income
5 162
-
14 507
-
health
420
-
1 113
-
unemployment
299
-
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.

2 098
-
5 562
-
total
7 979
-
21 977
-
Employer
29 984
-
79 472
-
unemployment
299
-
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.

5 098
-
13 510
-
other
1 500
-
3 974
-
accident
240
-
636
-
health
420
-
1 113
-
total
7 557
-
20 028
-
Corporate
61 959
99 500
-
-
income
13 012
20 895
-
-
total
13 012
20 895
-
-
Dividends
48 947
78 605
-
-
withholding
3 426
5 502
-
-
total
3 426
5 502
-
-
Income
99 500
99 500
99 500
99 500
Total tax
31 974
26 397
42 005
46 121
After tax
67 526
73 103
57 495
53 379
Living cost
22 005
22 005
22 005
22 005
Free-cash
45 521
51 098
35 490
31 374

Estimated living cost  is ₽22005 per week

₽15548
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1486
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽354
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4617
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
₽69452
₽66046
₽74244
₽70407
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
-
-
-
14 925
health
-
-
-
3 317
unemployment
-
-
-
115
pensions

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

-
-
-
4 269
total
-
-
-
22 626
Employee
14 337
-
93 840
-
income
1 434
-
9 384
-
health
659
-
1 327
-
accident

We are using the highest rate at 1.1%.

158
-
317
-
pensions

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

1 259
-
2 533
-
total
3 510
-
13 561
-
Employer
14 337
-
93 840
-
unemployment
86
-
173
-
pensions

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

1 580
-
3 179
-
accident

We are using the highest rate at 1.1%.

158
-
317
-
health
990
-
1 990
-
total
2 814
-
5 659
-
Corporate
82 349
99 500
-
-
income
8 235
9 950
-
-
total
8 235
9 950
-
-
Dividends
74 114
89 550
-
-
withholding
3 706
4 478
-
-
total
3 706
4 478
-
-
Income
99 500
99 500
99 500
99 500
Total tax
18 265
14 428
19 220
22 626
After tax
81 235
85 072
80 280
76 874
Living cost
10 828
10 828
10 828
10 828
Free-cash
70 407
74 244
69 452
66 046

Estimated living cost  is ₽10828 per week

₽6321
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽773
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽287
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3446
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Nice , France
₽31535
₽28562
₽21892
₽26771
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
-
-
-
11 871
social contributions
-
-
-
2 835
health
-
-
-
2 772
surtax
-
-
-
-
pensions
-
-
-
22 122
other
-
-
-
3 084
total
-
-
-
42 684
Employee
35 344
-
79 585
-
income
2 086
-
13 102
-
social contributions
1 008
-
2 266
-
surtax
-
-
-
-
pensions
3 996
-
4 427
-
total
7 090
-
19 795
-
Employer
35 344
-
79 585
-
unemployment
1 431
-
3 224
-
social contributions
107
-
238
-
pensions
5 806
-
7 653
-
other
1 219
-
2 746
-
health
2 475
-
6 055
-
total
11 038
-
19 916
-
Corporate
53 119
99 500
-
-
income
14 874
27 861
-
-
surtax
-
-
-
-
total
14 874
27 861
-
-
Dividends
38 246
71 639
-
-
withholding
4 896
9 169
-
-
surtax
-
-
-
-
social contributions
6 577
12 324
-
-
total
11 473
21 493
-
-
Income
99 500
99 500
99 500
99 500
Total tax
44 475
49 354
39 711
42 684
After tax
55 025
50 146
59 789
56 816
Living cost
28 254
28 254
28 254
28 254
Free-cash
26 771
21 892
31 535
28 562

Estimated living cost  is ₽28254 per week

₽17815
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2297
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽481
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7662
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
₽18847
₽22464
₽13985
₽8923
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
-
-
-
22 584
health
-
-
-
10 183
pensions
-
-
-
9 675
total
-
-
-
42 442
Employee
70 521
70 521
84 673
-
income

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

11 543
11 543
11 543
-
health
10 824
9 207
10 014
-
pensions
12 694
9 675
9 675
-
total
35 061
30 425
31 232
-
Employer
70 521
70 521
84 673
-
unemployment
2 539
2 539
3 048
-
pensions
4 908
4 908
5 894
-
health
4 902
4 902
5 885
-
total
12 349
12 349
14 827
-
Corporate
17 495
16 630
-
-
income
3 499
3 325
-
-
total
3 499
3 325
-
-
Dividends
13 996
13 304
-
-
withholding
2 100
1 995
-
-
income
2 974
2 827
-
-
total
5 074
4 822
-
-
Income
99 500
99 500
99 500
99 500
Total tax
55 983
50 921
46 059
42 442
After tax
43 517
48 579
53 441
57 058
Living cost
34 594
34 594
34 594
34 594
Free-cash
8 923
13 985
18 847
22 464

Estimated living cost  is ₽34594 per week

₽24516
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3119
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽550
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6410
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
₽41773
₽32149
₽25247
₽34381
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
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.

-
-
-
25 660
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.

-
-
-
5 642
trade
-
-
-
9 624
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.

-
-
-
1 412
total
-
-
-
42 338
Employee

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

31 586
-
99 500
-
income

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

882
-
25 660
-
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.

5 642
-
5 642
-
surtax

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

49
-
1 412
-
total
6 573
-
32 714
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
67 914
99 500
-
-
chamber of commerce
223
268
-
-
income
10 186
14 925
-
-
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.

561
821
-
-
trade
10 697
15 671
-
-
total
21 667
31 685
-
-
Dividends
46 247
67 814
-
-
withholding
11 247
16 640
-
-
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.

619
915
-
-
total
11 866
17 555
-
-
Income
99 500
99 500
99 500
99 500
Total tax
40 106
49 240
32 714
42 338
After tax
59 394
50 260
66 786
57 162
Living cost
25 013
25 013
25 013
25 013
Free-cash
34 381
25 247
41 773
32 149

Estimated living cost  is ₽25013 per week

₽15734
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2916
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.
₽5896
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
₽49592
₽50669
₽53617
₽49122
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
-
-
-
13 813
social contributions
-
-
-
13 361
health
-
-
-
2 537
total
-
-
-
29 711
Employee
63 501
63 501
90 713
-
income
6 914
5 878
13 350
-
social contributions
2 401
5 270
7 109
-
health
492
1 080
1 542
-
total
9 807
12 228
22 001
-
Employer
63 501
63 501
90 713
-
social contributions
2 401
5 270
7 109
-
health
534
1 175
1 678
-
total
2 935
6 445
8 787
-
Corporate
67 638
29 553
-
-
income
8 455
3 694
-
-
total
8 455
3 694
-
-
Dividends
59 183
25 860
-
-
withholding
10 061
4 396
-
-
total
10 061
4 396
-
-
Income
99 500
99 500
99 500
99 500
Total tax
31 258
26 763
30 788
29 711
After tax
68 242
72 737
68 712
69 789
Living cost
19 120
19 120
19 120
19 120
Free-cash
49 122
53 617
49 592
50 669

Estimated living cost  is ₽19120 per week

₽11459
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1876
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽423
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5363
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
₽22789
₽28916
₽30693
₽29862
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
-
-
-
10 105
social contributions

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

-
-
-
34 576
surtax
-
-
-
-
total
-
-
-
44 681
Employee
37 981
-
80 404
-
income
7 900
-
22 867
-
social contributions
4 178
-
8 845
-
surtax
-
-
-
-
total
12 078
-
31 712
-
Employer
37 981
-
80 404
-
social contributions
9 020
-
19 096
-
total
9 020
-
19 096
-
Corporate
52 499
99 500
-
-
income
11 025
20 895
-
-
surtax
-
-
-
-
total
11 025
20 895
-
-
Dividends
41 474
78 605
-
-
withholding
11 612
22 009
-
-
total
11 612
22 009
-
-
Income
99 500
99 500
99 500
99 500
Total tax
43 735
42 904
50 808
44 681
After tax
55 765
56 596
48 692
54 819
Living cost
25 903
25 903
25 903
25 903
Free-cash
29 862
30 693
22 789
28 916

Estimated living cost  is ₽25903 per week

₽19381
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1528
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽433
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4562
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
₽73414
₽92319
₽88339
₽87180
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
7 732
-
99 500
-
income
1 546
-
19 900
-
total
1 546
-
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%.

91 768
99 500
-
-
total
-
-
-
-
Dividends
91 768
99 500
-
-
withholding
4 588
4 975
-
-
total
4 588
4 975
-
-
Income
99 500
99 500
99 500
99 500
Total tax
6 134
4 975
19 900
995
After tax
93 366
94 525
79 600
98 505
Living cost
6 186
6 186
6 186
6 186
Free-cash
87 180
88 339
73 414
92 319

Estimated living cost  is ₽6186 per week

₽3834
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽514
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽170
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽1668
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Social security system in Georgia is financed from the government taxes which are part of our internal model. Separate pension and medical insurance contributions are not compulsory. It is advisable to purchase health insurance privately as in an event of medical emergency the treatment is likely to get costly.

Ljubljana , Slovenia
₽25735
₽28587
₽46357
₽39449
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
income
-
-
-
20 653
health
-
-
-
9 790
unemployment
-
-
-
149
pensions
-
-
-
18 171
total
-
-
-
48 763
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.

36 518
-
86 095
-
income
6 297
-
19 183
-
health
2 359
-
5 562
-
unemployment
52
-
121
-
pensions
5 660
-
13 344
-
total
14 368
-
38 210
-
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.

36 518
-
86 095
-
unemployment
22
-
52
-
pensions
3 231
-
7 619
-
health
2 432
-
5 734
-
total
5 685
-
13 405
-
Corporate
57 297
99 500
-
-
income
10 887
18 904
-
-
total
10 887
18 904
-
-
Dividends
46 410
80 596
-
-
withholding
6 961
12 089
-
-
total
6 961
12 089
-
-
Income
99 500
99 500
99 500
99 500
Total tax
37 901
30 993
51 615
48 763
After tax
61 599
68 507
47 885
50 737
Living cost
22 150
22 150
22 150
22 150
Free-cash
39 449
46 357
25 735
28 587

Estimated living cost  is ₽22150 per week

₽15201
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1420
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽429
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5101
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
₽43361
₽40586
₽30335
₽33219
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
-
-
-
23 507
health

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

-
-
-
5 430
total
-
-
-
28 937
Employee
37 883
-
95 701
-
social contributions
3 796
-
3 799
-
income
4 111
-
18 564
-
total
7 907
-
22 363
-
Employer
37 883
-
95 701
-
social contributions
3 796
-
3 799
-
total
3 796
-
3 799
-
Corporate
57 821
99 500
-
-
income
20 238
34 825
-
-
total
20 238
34 825
-
-
Dividends
37 583
64 675
-
-
social contributions
4 363
4 363
-
-
total
4 363
4 363
-
-
Income
99 500
99 500
99 500
99 500
Total tax
36 304
39 188
26 162
28 937
After tax
63 196
60 312
73 338
70 563
Living cost
29 977
29 977
29 977
29 977
Free-cash
33 219
30 335
43 361
40 586

Estimated living cost  is ₽29977 per week

₽19746
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2363
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽459
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7408
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
₽45686
₽46387
₽43191
₽43621
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
-
-
-
14 925
social contributions
-
-
-
13 731
health
-
-
-
6 946
total
-
-
-
35 602
Employee
28 000
-
99 500
-
income
4 670
-
15 626
-
social contributions
3 865
-
13 731
-
health
1 954
-
6 946
-
total
10 489
-
36 303
-
Employer
28 000
-
99 500
-
total
-
-
-
-
Corporate
71 500
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%.

3 575
4 976
-
-
total
3 575
4 976
-
-
Dividends
67 925
94 524
-
-
withholding
10 190
14 179
-
-
health
4 741
6 598
-
-
social contributions
9 373
13 045
-
-
total
24 304
33 822
-
-
Income
99 500
99 500
99 500
99 500
Total tax
38 368
38 798
36 303
35 602
After tax
61 132
60 702
63 197
63 898
Living cost
17 511
17 511
17 511
17 511
Free-cash
43 621
43 191
45 686
46 387

Estimated living cost  is ₽17511 per week

₽11719
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1080
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽403
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4308
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
₽27829
₽27998
₽45842
₽37757
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
-
-
-
8 940
social contributions
-
-
-
26 466
solidarity contribution
-
-
-
-
health
-
-
-
13 432
total
-
-
-
48 838
Employee
33 330
-
74 254
-
solidarity contribution
-
-
-
-
income
4 000
-
8 910
-
social contributions
2 166
-
4 827
-
health
4 499
-
10 024
-
total
10 665
-
23 761
-
Employer
33 330
-
74 254
-
social contributions
8 332
-
18 563
-
health
3 000
-
6 683
-
total
11 332
-
25 246
-
Corporate
54 838
99 500
-
-
income
10 419
18 905
-
-
total
10 419
18 905
-
-
Dividends
44 419
80 595
-
-
withholding
6 663
12 089
-
-
total
6 663
12 089
-
-
Income
99 500
99 500
99 500
99 500
Total tax
39 079
30 994
49 007
48 838
After tax
60 421
68 506
50 493
50 662
Living cost
22 664
22 664
22 664
22 664
Free-cash
37 757
45 842
27 829
27 998

Estimated living cost  is ₽22664 per week

₽16854
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1256
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽392
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4162
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
₽69960
₽88865
₽84885
₽83078
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
12 050
-
99 500
-
income
2 410
-
19 900
-
total
2 410
-
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%.

87 450
99 500
-
-
total
-
-
-
-
Dividends
87 450
99 500
-
-
withholding
4 372
4 975
-
-
total
4 372
4 975
-
-
Income
99 500
99 500
99 500
99 500
Total tax
6 782
4 975
19 900
995
After tax
92 718
94 525
79 600
98 505
Living cost
9 640
9 640
9 640
9 640
Free-cash
83 078
84 885
69 960
88 865

Estimated living cost  is ₽9640 per week

₽6523
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽405
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽323
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2388
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Social security system in Georgia is financed from the government taxes which are part of our internal model. Separate pension and medical insurance contributions are not compulsory. It is advisable to purchase health insurance privately as in an event of medical emergency the treatment is likely to get costly.

Paris , France
₽19903
₽16930
₽10260
₽15937
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
-
-
-
11 871
social contributions
-
-
-
2 835
health
-
-
-
2 772
surtax
-
-
-
-
pensions
-
-
-
22 122
other
-
-
-
3 084
total
-
-
-
42 684
Employee
51 722
-
79 585
-
income
4 513
-
13 102
-
social contributions
1 473
-
2 266
-
surtax
-
-
-
-
pensions
5 850
-
4 427
-
total
11 836
-
19 795
-
Employer
51 722
-
79 585
-
unemployment
2 095
-
3 224
-
social contributions
155
-
238
-
pensions
8 499
-
7 653
-
other
1 785
-
2 746
-
health
3 620
-
6 055
-
total
16 154
-
19 916
-
Corporate
31 624
99 500
-
-
income
8 854
27 861
-
-
surtax
-
-
-
-
total
8 854
27 861
-
-
Dividends
22 769
71 639
-
-
withholding
2 915
9 169
-
-
surtax
-
-
-
-
social contributions
3 918
12 324
-
-
total
6 833
21 493
-
-
Income
99 500
99 500
99 500
99 500
Total tax
43 677
49 354
39 711
42 684
After tax
55 823
50 146
59 789
56 816
Living cost
39 886
39 886
39 886
39 886
Free-cash
15 937
10 260
19 903
16 930

Estimated living cost  is ₽39886 per week

₽26994
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3263
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽547
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9082
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
₽40836
₽40837
₽57655
₽53605
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
income
-
-
-
21 437
health
-
-
-
6 265
unemployment
-
-
-
912
pensions
-
-
-
15 815
total
-
-
-
44 429
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.

21 464
-
88 612
-
income
2 959
-
21 437
-
health
1 105
-
3 133
-
unemployment
161
-
456
-
pensions
3 005
-
8 516
-
total
7 230
-
33 542
-
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.

21 464
-
88 612
-
unemployment
161
-
456
-
pensions
2 576
-
7 299
-
health
1 105
-
3 133
-
total
3 842
-
10 888
-
Corporate
74 194
99 500
-
-
income
11 129
14 925
-
-
total
11 129
14 925
-
-
Dividends
63 065
84 575
-
-
withholding
9 460
12 686
-
-
total
9 460
12 686
-
-
Income
99 500
99 500
99 500
99 500
Total tax
31 661
27 611
44 430
44 429
After tax
67 839
71 889
55 070
55 071
Living cost
14 234
14 234
14 234
14 234
Free-cash
53 605
57 655
40 836
40 837

Estimated living cost  is ₽14234 per week

₽9584
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1101
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽412
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3137
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
₽19232
₽24102
-₽12318
₽12421
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
regional
-
-
-
4 119
national
-
-
-
1 047
health
-
-
-
224
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
pensions
-
-
-
9 153
total
-
-
-
17 581
Employee
67 661
-
89 058
-
regional
2 216
-
3 530
-
city
726
-
956
-
health
153
-
200
-
unemployment
-
-
-
-
national
320
-
823
-
pensions
5 684
-
7 481
-
total
9 099
-
12 990
-
Employer
67 661
-
89 058
-
unemployment
-
-
-
-
pensions
5 684
-
7 481
-
other

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

1 353
-
1 780
-
health
153
-
200
-
total
7 190
-
9 461
-
Corporate
23 905
99 500
-
-
regional
5 056
21 045
-
-
national
2 031
8 457
-
-
total
7 087
29 502
-
-
Dividends
16 817
69 998
-
-
withholding
5 886
24 499
-
-
total
5 886
24 499
-
-
Income
99 500
99 500
99 500
99 500
Total tax
29 262
54 001
22 451
17 581
After tax
70 238
45 499
77 049
81 919
Living cost
57 817
57 817
57 817
57 817
Free-cash
12 421
-12 318
19 232
24 102

Estimated living cost  is ₽57817 per week

₽37598
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5188
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽710
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽14321
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
₽23414
₽37056
₽33162
₽33050
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
national
-
-
-
11 855
health
-
-
-
1 188
total
-
-
-
30 739
Employee
43 448
-
83 706
-
health
324
-
945
-
unemployment
652
-
1 255
-
national
718
-
7 083
-
municipal
7 116
-
13 654
-
pensions
2 932
-
5 650
-
total
11 742
-
28 587
-
Employer
43 448
-
83 706
-
unemployment
282
-
544
-
pensions
7 538
-
14 523
-
accident
44
-
83
-
health
334
-
644
-
total
8 198
-
15 794
-
Corporate
47 855
99 500
-
-
income
9 570
19 899
-
-
total
9 570
19 899
-
-
Dividends

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

28 713
59 700
-
-
national
67
3 988
-
-
municipal
5 168
10 746
-
-
total
5 235
14 734
-
-
Income
99 500
99 500
99 500
99 500
Total tax
34 745
34 633
44 381
30 739
After tax
64 755
64 867
55 119
68 761
Living cost
31 705
31 705
31 705
31 705
Free-cash
33 050
33 162
23 414
37 056

Estimated living cost  is ₽31705 per week

₽20710
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3050
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽505
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7442
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
₽7484
₽14793
₽25633
₽13247
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
national
-
-
-
33 679
social contributions
-
-
-
15 902
communal

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

-
-
-
5 016
total
-
-
-
54 597
Employee

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

59 071
-
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.

2 775
-
3 623
-
communal

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

3 081
-
4 020
-
unemployment

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

514
-
671
-
national
18 161
-
25 377
-
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.

4 430
-
5 780
-
total
28 961
-
39 471
-
Employer

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

59 071
-
77 065
-
unemployment

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

862
-
1 125
-
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.

5 234
-
6 828
-
surtax
6 698
-
8 738
-
accident

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

768
-
1 003
-
health

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

3 633
-
4 741
-
total
17 195
-
22 435
-
Corporate
23 235
99 500
-
-
income
4 647
19 899
-
-
surtax
92
398
-
-
total
4 739
20 297
-
-
Dividends
18 496
79 202
-
-
withholding

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

5 248
23 460
-
-
total
5 248
23 460
-
-
Income
99 500
99 500
99 500
99 500
Total tax
56 143
43 757
61 906
54 597
After tax
43 357
55 743
37 594
44 903
Living cost
30 110
30 110
30 110
30 110
Free-cash
13 247
25 633
7 484
14 793

Estimated living cost  is ₽30110 per week

₽19395
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2633
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽472
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7612
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
₽19216
₽20380
₽19617
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
-
-
-
23 243
national
-
-
-
1 540
health
-
-
-
4 643
accident
-
-
-
149
unemployment
-
-
-
74
pensions
-
-
-
8 043
other
-
-
-
8 645
total
-
-
-
46 337
Employee
48 372
-
76 123
-
national
-
-
1 175
-
municipal
14 425
-
22 700
-
total
14 425
-
23 875
-
Employer
48 372
-
76 123
-
unemployment
1 277
-
1 964
-
pensions
5 229
-
8 043
-
other
5 621
-
8 645
-
accident
97
-
149
-
health
2 975
-
4 576
-
total
15 199
-
23 377
-
Corporate
35 930
99 500
-
-
income
7 904
21 890
-
-
total
7 904
21 890
-
-
Dividends
28 025
77 610
-
-
withholding
8 408
23 283
-
-
total
8 408
23 283
-
-
Income
99 500
99 500
99 500
99 500
Total tax
45 936
45 173
47 252
46 337
After tax
53 564
54 327
52 248
53 163
Living cost
33 947
33 947
33 947
33 947
Free-cash
19 617
20 380
18 301
19 216

Estimated living cost  is ₽33947 per week

₽22499
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3331
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽516
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7602
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
₽50361
₽31105
₽22878
-₽30630
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
-
-
-
19 394
social contributions
-
-
-
11 343
total
-
-
-
30 737
Employee
53 996
-
-
-
income
11 910
-
-
-
social contributions
4 428
-
631
-
total
16 338
-
631
-
Employer
53 996
-
-
-
social contributions
76 134
-
10 850
-
total
76 134
-
10 850
-
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
92 472
38 964
11 481
30 737
After tax
7 028
60 536
88 019
68 763
Living cost
37 658
37 658
37 658
37 658
Free-cash
-30 630
22 878
50 361
31 105

Estimated living cost  is ₽37658 per week

₽24434
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3542
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽480
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9202
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
₽41927
₽43004
₽45952
₽42525
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
-
-
-
13 813
social contributions
-
-
-
13 361
health
-
-
-
2 537
total
-
-
-
29 711
Employee
63 501
63 501
90 713
-
income
6 668
5 878
13 350
-
social contributions
3 086
5 270
7 109
-
health
632
1 080
1 542
-
total
10 386
12 228
22 001
-
Employer
63 501
63 501
90 713
-
social contributions
3 086
5 270
7 109
-
health
688
1 175
1 678
-
total
3 774
6 445
8 787
-
Corporate
58 556
29 553
-
-
income
7 320
3 694
-
-
total
7 320
3 694
-
-
Dividends
51 236
25 860
-
-
withholding
8 710
4 396
-
-
total
8 710
4 396
-
-
Income
99 500
99 500
99 500
99 500
Total tax
30 190
26 763
30 788
29 711
After tax
69 310
72 737
68 712
69 789
Living cost
26 785
26 785
26 785
26 785
Free-cash
42 525
45 952
41 927
43 004

Estimated living cost  is ₽26785 per week

₽18310
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2092
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽450
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5933
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
₽29849
₽39096
₽39669
₽39818
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
-
-
-
23 819
pensions
-
-
-
6 433
total
-
-
-
30 252
Employee
41 387
-
87 322
-
income
7 537
-
17 654
-
health
540
-
1 436
-
pensions
3 159
-
8 231
-
total
11 236
-
27 321
-
Employer
41 387
-
87 322
-
pensions
4 181
-
10 519
-
health
787
-
1 659
-
total
4 968
-
12 178
-
Corporate
53 145
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.

10 097
18 905
-
-
total
10 097
18 905
-
-
Dividends
43 048
80 595
-
-
withholding
3 229
10 774
-
-
total
3 229
10 774
-
-
Income
99 500
99 500
99 500
99 500
Total tax
29 530
29 679
39 499
30 252
After tax
69 970
69 821
60 001
69 248
Living cost
30 152
30 152
30 152
30 152
Free-cash
39 818
39 669
29 849
39 096

Estimated living cost  is ₽30152 per week

₽20684
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2773
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽377
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6316
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details

Additional information

The only visa which will gain you entry to the UK as a freelancer is Tier 1 (with an exception of EU nationals or long-term UK residence permit holders, up until Brexit). There are two Tier 1 visa pathways.

You can either apply for an Entrepreneur visa which requires an investment of at least £200000 and creating two full time jobs, or choose an Exceptional Talent visa, which has no financial requirements but is more difficult to obtain.

Rome , Italy
₽11335
₽15886
₽19513
₽15755
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
-
-
-
664
regional
-
-
-
2 143
national
-
-
-
22 318
social contributions
-
-
-
25 591
total
-
-
-
50 716
Employee
69 588
-
99 500
-
regional
1 051
-
1 829
-
social contributions
23 465
-
33 551
-
national
11 760
-
19 293
-
municipal
415
-
594
-
total
36 691
-
55 267
-
Employer
69 588
-
99 500
-
total
-
-
-
-
Corporate
29 912
99 500
-
-
nationa
7 179
23 880
-
-
municipal
1 442
4 795
-
-
total
8 621
28 675
-
-
Dividends
21 291
70 825
-
-
withholding
5 535
18 414
-
-
total
5 535
18 414
-
-
Income
99 500
99 500
99 500
99 500
Total tax
50 847
47 089
55 267
50 716
After tax
48 653
52 411
44 233
48 784
Living cost
32 898
32 898
32 898
32 898
Free-cash
15 755
19 513
11 335
15 886

Estimated living cost  is ₽32898 per week

₽23109
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2263
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽497
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7029
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
₽35407
₽50883
-₽9216
₽5409
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
-
-
-
25 872
health
-
-
-
1 713
accident
-
-
-
198
pensions
-
-
-
3 267
other
-
-
-
291
total
-
-
-
31 341
Employee
27 176
-
87 254
-
income
3 728
-
18 589
-
health
3 112
-
9 990
-
pensions
3 060
-
5 991
-
total
9 900
-
34 570
-
Employer
27 176
-
87 254
-
unemployment
666
-
2 138
-
pensions
4 419
-
8 652
-
accident
454
-
1 457
-
total
5 539
-
12 247
-
Corporate
66 785
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.

60 107
89 550
-
-
total
60 107
89 550
-
-
Dividends
6 678
9 950
-
-
withholding
1 269
1 890
-
-
total
1 269
1 890
-
-
Income
99 500
99 500
99 500
99 500
Total tax
76 815
91 440
46 817
31 341
After tax
22 685
8 060
52 683
68 159
Living cost
17 276
17 276
17 276
17 276
Free-cash
5 409
-9 216
35 407
50 883

Estimated living cost  is ₽17276 per week

₽12662
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽957
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽361
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3297
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Poland permits registration as a sole-trader only for EU nationals or long-term EU resident permit holders. Other nationals should use a business incubator or set up a company and hire themselves as an employee.

Berlin , Germany
₽34904
₽26136
₽19401
₽30201
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
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.

-
-
-
25 660
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.

-
-
-
5 642
trade
-
-
-
8 768
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.

-
-
-
1 412
total
-
-
-
41 482
Employee

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

41 089
-
99 500
-
income

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

3 379
-
25 660
-
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.

5 642
-
5 642
-
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.

186
-
1 412
-
total
9 207
-
32 714
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
58 411
99 500
-
-
chamber of commerce
212
271
-
-
income
8 762
14 925
-
-
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.

483
821
-
-
trade
8 383
14 278
-
-
total
17 840
30 295
-
-
Dividends
40 572
69 204
-
-
withholding
9 829
16 988
-
-
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
934
-
-
total
10 370
17 922
-
-
Income
99 500
99 500
99 500
99 500
Total tax
37 417
48 217
32 714
41 482
After tax
62 083
51 283
66 786
58 018
Living cost
31 882
31 882
31 882
31 882
Free-cash
30 201
19 401
34 904
26 136

Estimated living cost  is ₽31882 per week

₽21993
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3430
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.
₽5996
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
₽38710
₽10642
₽62421
₽55645
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
microenterprise
-
-
-
-
income
-
-
-
14 666
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.

-
-
-
31 640
surtax
-
-
-
25 372
total
-
-
-
71 678
Employee
24 131
-
80 184
-
income
4 296
-
15 474
-
social contributions

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

2 655
-
8 820
-
surtax
-
-
-
-
total
6 951
-
24 294
-
Employer
24 131
-
80 184
-
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.

5 813
-
19 316
-
surtax
-
-
-
-
total
5 813
-
19 316
-
Corporate
69 557
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%.

13 911
19 899
-
-
total
13 911
19 899
-
-
Dividends

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

55 645
79 601
-
-
total
-
-
-
-
Income
99 500
99 500
99 500
99 500
Total tax
26 675
19 899
43 610
71 678
After tax
72 825
79 601
55 890
27 822
Living cost
17 180
17 180
17 180
17 180
Free-cash
55 645
62 421
38 710
10 642

Estimated living cost  is ₽17180 per week

₽10961
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1636
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽390
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4194
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Istanbul , Turkey
₽46960
₽47720
₽51406
₽49651
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
-
-
-
27 657
health
-
-
-
5 649
pensions
-
-
-
7 792
total
-
-
-
41 098
Employee
16 270
-
90 734
-
income
3 147
-
27 248
-
health
814
-
1 948
-
unemployment
163
-
390
-
pensions
1 464
-
3 506
-
total
5 588
-
33 092
-
Employer
16 270
-
90 734
-
unemployment
325
-
779
-
pensions
1 790
-
4 286
-
health
1 546
-
3 701
-
total
3 661
-
8 766
-
Corporate
79 568
99 500
-
-
income
17 505
21 890
-
-
total
17 505
21 890
-
-
Dividends
62 063
77 610
-
-
withholding
12 413
15 522
-
-
total
12 413
15 522
-
-
Income
99 500
99 500
99 500
99 500
Total tax
39 167
37 412
41 858
41 098
After tax
60 333
62 088
57 642
58 402
Living cost
10 682
10 682
10 682
10 682
Free-cash
49 651
51 406
46 960
47 720

Estimated living cost  is ₽10682 per week

₽6348
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽866
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽245
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.
₽3224
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
₽28398
₽30037
₽44036
₽41409
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
-
-
-
20 960
health
-
-
-
7 065
unemployment
-
-
-
188
surtax
-
-
-
2 802
pensions
-
-
-
19 899
other
-
-
-
-
total
-
-
-
50 914
Employee
27 810
-
82 197
-
other
-
-
-
-
income
4 662
-
19 407
-
health
710
-
2 097
-
unemployment
1 935
-
5 722
-
surtax
99
-
2 543
-
pensions
1 855
-
5 482
-
total
9 261
-
35 251
-
Employer
27 810
-
82 197
-
unemployment
882
-
2 606
-
pensions
3 708
-
10 957
-
other
-
-
-
-
health
1 265
-
3 739
-
total
5 855
-
17 302
-
Corporate
65 835
99 500
-
-
income
17 118
25 870
-
-
total
17 118
25 870
-
-
Dividends
48 717
73 630
-
-
withholding
7 308
11 045
-
-
total
7 308
11 045
-
-
Income
99 500
99 500
99 500
99 500
Total tax
39 542
36 915
52 553
50 914
After tax
59 958
62 585
46 947
48 586
Living cost
18 549
18 549
18 549
18 549
Free-cash
41 409
44 036
28 398
30 037

Estimated living cost  is ₽18549 per week

₽11199
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1613
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽431
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5308
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
₽1690
₽23269
₽29237
₽28826
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
-
-
-
19 194
chamber of commerce
-
-
-
398
health