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
₴ 32000
per

Your estimated
City
free-cash

Varna , Bulgaria
₴21730
₴19736
₴17565
₴18349
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
-
-
-
32 000
income
-
-
-
4 800
pensions

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

-
-
-
2 220
unemployment
-
-
-
60
health
-
-
-
1 725
total
-
-
-
8 805
Employee
7 454
-
29 058
-
health
343
-
690
-
accident

We are using the highest rate at 1.1%.

82
-
165
-
income
745
-
2 906
-
pensions

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

654
-
1 317
-
total
1 824
-
5 078
-
Employer
7 454
-
29 058
-
accident

We are using the highest rate at 1.1%.

82
-
165
-
unemployment
45
-
90
-
pensions

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

822
-
1 653
-
health
515
-
1 035
-
total
1 464
-
2 943
-
Corporate
23 083
32 000
-
-
income
2 308
3 200
-
-
total
2 308
3 200
-
-
Dividends
20 775
28 800
-
-
withholding
1 039
1 440
-
-
total
1 039
1 440
-
-
Income
32 000
32 000
32 000
32 000
Total tax
6 635
4 640
8 021
8 805
After tax
25 365
27 360
23 979
23 195
Living cost
5 630
5 630
5 630
5 630
Free-cash
19 736
21 730
18 349
17 565

Estimated living cost  is ₴5630 per week

₴3287
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴402
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴149
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.
₴1792
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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