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
₴ 97000
per

Your estimated
City
free-cash

Varna , Bulgaria
₴74079
₴76395
₴75160
₴71257
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
-
-
-
97 000
unemployment
-
-
-
70
income
-
-
-
14 550
pensions

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

-
-
-
2 579
health
-
-
-
2 004
total
-
-
-
19 203
Employee
8 660
-
93 582
-
accident

We are using the highest rate at 1.1%.

95
-
192
-
health
398
-
801
-
pensions

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

760
-
1 530
-
income
866
-
9 358
-
total
2 119
-
11 881
-
Employer
8 660
-
93 582
-
accident

We are using the highest rate at 1.1%.

95
-
192
-
pensions

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

954
-
1 920
-
unemployment
52
-
105
-
health
598
-
1 202
-
total
1 699
-
3 419
-
Corporate
86 641
97 000
-
-
income
8 664
9 700
-
-
total
8 664
9 700
-
-
Dividends
77 977
87 300
-
-
withholding
3 899
4 365
-
-
total
3 899
4 365
-
-
Income
97 000
97 000
97 000
97 000
Total tax
16 381
14 065
15 300
19 203
After tax
80 619
82 935
81 700
77 797
Living cost
6 540
6 540
6 540
6 540
Free-cash
74 079
76 395
75 160
71 257

Estimated living cost  is ₴6540 per week

₴3818
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴467
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴173
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.
₴2082
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
₴71314
₴74354
₴73119
₴69216
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
-
-
-
97 000
unemployment
-
-
-
70
income
-
-
-
14 550
pensions

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

-
-
-
2 579
health
-
-
-
2 004
total
-
-
-
19 203
Employee
11 362
-
93 582
-
accident

We are using the highest rate at 1.1%.

125
-
192
-
health
523
-
801
-
pensions

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

998
-
1 530
-
income
1 136
-
9 358
-
total
2 782
-
11 881
-
Employer
11 362
-
93 582
-
accident

We are using the highest rate at 1.1%.

125
-
192
-
pensions

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

1 252
-
1 920
-
unemployment
68
-
105
-
health
784
-
1 202
-
total
2 229
-
3 419
-
Corporate
83 408
97 000
-
-
income
8 341
9 700
-
-
total
8 341
9 700
-
-
Dividends
75 068
87 300
-
-
withholding
3 753
4 365
-
-
total
3 753
4 365
-
-
Income
97 000
97 000
97 000
97 000
Total tax
17 105
14 065
15 300
19 203
After tax
79 895
82 935
81 700
77 797
Living cost
8 581
8 581
8 581
8 581
Free-cash
71 314
74 354
73 119
69 216

Estimated living cost  is ₴8581 per week

₴5675
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴491
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴205
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.
₴2210
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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