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
₴ 70000
per

Your estimated
City
free-cash

Varna , Bulgaria
₴51137
₴51057
₴53417
₴48490
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
-
-
-
70 000
health
-
-
-
1 971
income
-
-
-
10 500
pensions

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

-
-
-
2 537
unemployment
-
-
-
69
total
-
-
-
15 077
Employee
8 518
-
66 637
-
accident

We are using the highest rate at 1.1%.

94
-
189
-
pensions

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

748
-
1 505
-
health
392
-
788
-
income
852
-
6 664
-
total
2 086
-
9 146
-
Employer
8 518
-
66 637
-
pensions

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

939
-
1 889
-
health
588
-
1 183
-
unemployment
51
-
103
-
accident

We are using the highest rate at 1.1%.

94
-
189
-
total
1 672
-
3 364
-
Corporate
59 810
70 000
-
-
income
5 981
7 000
-
-
total
5 981
7 000
-
-
Dividends
53 829
63 000
-
-
withholding
2 691
3 150
-
-
total
2 691
3 150
-
-
Income
70 000
70 000
70 000
70 000
Total tax
12 430
10 150
12 510
15 077
After tax
57 570
59 850
57 490
54 923
Living cost
6 433
6 433
6 433
6 433
Free-cash
51 137
53 417
51 057
48 490

Estimated living cost  is ₴6433 per week

₴3756
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴459
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.
₴2048
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

Source of data for Varna model

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Sofia , Bulgaria
₴48420
₴49050
₴51410
₴46483
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
-
-
-
70 000
health
-
-
-
1 971
income
-
-
-
10 500
pensions

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

-
-
-
2 537
unemployment
-
-
-
69
total
-
-
-
15 077
Employee
11 176
-
66 637
-
accident

We are using the highest rate at 1.1%.

123
-
189
-
pensions

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

981
-
1 505
-
health
514
-
788
-
income
1 118
-
6 664
-
total
2 736
-
9 146
-
Employer
11 176
-
66 637
-
pensions

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

1 232
-
1 889
-
health
771
-
1 183
-
unemployment
67
-
103
-
accident

We are using the highest rate at 1.1%.

123
-
189
-
total
2 193
-
3 364
-
Corporate
56 631
70 000
-
-
income
5 663
7 000
-
-
total
5 663
7 000
-
-
Dividends
50 968
63 000
-
-
withholding
2 548
3 150
-
-
total
2 548
3 150
-
-
Income
70 000
70 000
70 000
70 000
Total tax
13 140
10 150
12 510
15 077
After tax
56 860
59 850
57 490
54 923
Living cost
8 440
8 440
8 440
8 440
Free-cash
48 420
51 410
49 050
46 483

Estimated living cost  is ₴8440 per week

₴5582
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴483
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴201
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.
₴2174
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

Source of data for Sofia model

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