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
₴ 20000
per

Your estimated
City
free-cash

Varna , Bulgaria
₴11517
₴7447
₴7637
₴9540
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
-
-
-
20 000
income
-
-
-
3 000
unemployment
-
-
-
59
health
-
-
-
1 710
pensions

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

-
-
-
2 201
total
-
-
-
6 970
Employee
7 392
-
17 082
-
pensions

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

649
-
1 306
-
income
739
-
1 708
-
health
340
-
684
-
accident

We are using the highest rate at 1.1%.

81
-
164
-
total
1 809
-
3 862
-
Employer
7 392
-
17 082
-
accident

We are using the highest rate at 1.1%.

81
-
164
-
unemployment
44
-
89
-
health
510
-
1 026
-
pensions

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

815
-
1 639
-
total
1 450
-
2 918
-
Corporate
11 157
20 000
-
-
income
1 116
2 000
-
-
total
1 116
2 000
-
-
Dividends
10 041
18 000
-
-
withholding
502
900
-
-
total
502
900
-
-
Income
20 000
20 000
20 000
20 000
Total tax
4 877
2 900
6 780
6 970
After tax
15 123
17 100
13 220
13 030
Living cost
5 583
5 583
5 583
5 583
Free-cash
9 540
11 517
7 637
7 447

Estimated living cost  is ₴5583 per week

₴3259
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴399
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴148
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.
₴1777
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.
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