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
₴76414
₴75196
₴71291
₴74104
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
income
-
-
-
14 550
unemployment
-
-
-
69
health
-
-
-
1 998
pensions

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

-
-
-
2 571
total
-
-
-
19 188
Employee
8 635
-
93 591
-
accident

We are using the highest rate at 1.1%.

95
-
191
-
pensions

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

758
-
1 526
-
income
863
-
9 359
-
health
397
-
799
-
total
2 113
-
11 875
-
Employer
8 635
-
93 591
-
health
596
-
1 199
-
pensions

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

952
-
1 914
-
accident

We are using the highest rate at 1.1%.

95
-
191
-
unemployment
52
-
104
-
total
1 695
-
3 408
-
Corporate
86 671
97 000
-
-
income
8 667
9 700
-
-
total
8 667
9 700
-
-
Dividends
78 003
87 300
-
-
withholding
3 900
4 365
-
-
total
3 900
4 365
-
-
Income
97 000
97 000
97 000
97 000
Total tax
16 375
14 065
15 283
19 188
After tax
80 625
82 935
81 717
77 812
Living cost
6 521
6 521
6 521
6 521
Free-cash
74 104
76 414
75 196
71 291

Estimated living cost  is ₴6521 per week

₴3807
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴466
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.
₴2076
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
₴74379
₴73161
₴69256
₴71347
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
income
-
-
-
14 550
unemployment
-
-
-
69
health
-
-
-
1 998
pensions

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

-
-
-
2 571
total
-
-
-
19 188
Employee
11 330
-
93 591
-
accident

We are using the highest rate at 1.1%.

125
-
191
-
pensions

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

995
-
1 526
-
income
1 133
-
9 359
-
health
521
-
799
-
total
2 774
-
11 875
-
Employer
11 330
-
93 591
-
health
782
-
1 199
-
pensions

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

1 248
-
1 914
-
accident

We are using the highest rate at 1.1%.

125
-
191
-
unemployment
68
-
104
-
total
2 223
-
3 408
-
Corporate
83 447
97 000
-
-
income
8 345
9 700
-
-
total
8 345
9 700
-
-
Dividends
75 103
87 300
-
-
withholding
3 755
4 365
-
-
total
3 755
4 365
-
-
Income
97 000
97 000
97 000
97 000
Total tax
17 097
14 065
15 283
19 188
After tax
79 903
82 935
81 717
77 812
Living cost
8 556
8 556
8 556
8 556
Free-cash
71 347
74 379
73 161
69 256

Estimated living cost  is ₴8556 per week

₴5659
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴490
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴204
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.
₴2204
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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