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
₽ 133000
per

Your estimated
City
free-cash

Dresden , Germany
₽49075
₽58556
₽38686
₽44486
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

Pension contribution is not mandatory for self-employed except for writers, artists and musicians who should pay standard rates to Künstlersozialkasse.

-
-
-
133 000
health

Our model is based on the assumption that an owner of the company is either a director or registered self-employed, so all social security contributions are not mandatory.

However, you would need to purchase private health insurance. We took an average price of €3600 per annum per person.

-
-
-
6 417
trade
-
-
-
14 070
income

Personal income is calculated on a progressive scale(from 14% to 42%), and is fixed at 45%. The tax percentage is unique and will depend on your income.

-
-
-
37 514
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

-
-
-
2 064
total
-
-
-
60 065
Employee

Pension contribution is not mandatory for self-employed except for writers, artists and musicians who should pay standard rates to Künstlersozialkasse.

35 924
-
133 000
-
health

Our model is based on the assumption that an owner of the company is either a director or registered self-employed, so all social security contributions are not mandatory.

However, you would need to purchase private health insurance. We took an average price of €3600 per annum per person.

6 417
-
6 417
-
income

Personal income is calculated on a progressive scale(from 14% to 42%), and is fixed at 45%. The tax percentage is unique and will depend on your income.

1 003
-
37 514
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

55
-
2 064
-
total
7 475
-
45 995
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
97 076
133 000
-
-
income
14 562
19 950
-
-
chamber of commerce
282
333
-
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

800
1 098
-
-
trade
15 289
20 948
-
-
total
30 933
42 329
-
-
Dividends
66 143
90 670
-
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

889
1 226
-
-
withholding
16 179
22 310
-
-
total
17 068
23 536
-
-
Income
133 000
133 000
133 000
133 000
Total tax
55 476
65 865
45 995
60 065
After tax
77 524
67 135
87 005
72 935
Living cost
28 449
28 449
28 449
28 449
Free-cash
49 075
38 686
58 556
44 486

Estimated living cost  is ₽28449 per week

₽17895
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3317
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽531
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.
₽6705
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

Additional information

Nationals of Europe, Australia, Canada, Israel, Japan, the Republic of Korea, New Zealand and the USA do not require an entry type D visa (not to confuse with a Schengen visa or a visa-free entry). For other nationals, waiting time is around 6-9 months which includes document preparation and processing.

Source of data for Dresden model

Close
Reykjavik , Iceland
₽32775
₽30810
₽33597
₽29765
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
-
-
-
133 000
social contributions
-
-
-
1 430
municipal
-
-
-
14 296
pensions
-
-
-
15 960
national
-
-
-
22 154
total
-
-
-
53 840
Employee
76 572
-
114 977
-
pensions
3 063
-
4 599
-
municipal
9 458
-
14 811
-
national
14 656
-
22 951
-
total
27 177
-
42 361
-
Employer
76 572
-
114 977
-
pensions
6 126
-
9 198
-
social contributions
823
-
1 236
-
total
6 949
-
10 434
-
Corporate
44 426
133 000
-
-
income

Corporate income tax will depend on a type of legal entity. For LLC and Limited Partnership it is set at 20%. All other entities pay 37.6%.

8 885
26 600
-
-
total
8 885
26 600
-
-
Dividends
35 541
106 400
-
-
withholding
7 819
23 408
-
-
total
7 819
23 408
-
-
Income
133 000
133 000
133 000
133 000
Total tax
50 830
50 008
52 795
53 840
After tax
82 170
82 992
80 205
79 160
Living cost
49 395
49 395
49 395
49 395
Free-cash
32 775
33 597
30 810
29 765

Estimated living cost  is ₽49395 per week

₽33573
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4592
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽739
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.
₽10491
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

Additional information

It is very difficult to get a residence permit on a basis of self-employment for a Third Country National (non-EU/EFTA/Swiss and without a long-term EU resident permit). EU/EFTA nationals and long-term EU resident permit holders can register self-employed and apply for a permanent residence.

Source of data for Reykjavik model

Close
Riga , Latvia
₽79156
₽54980
₽86860
₽22315
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

As of 1 January, 2018 a microenterprise tax rate for microenterprise turnover of up to €40,000 is 15%. This tax is inclusive of all other taxes and contributions.

Microenterprise tax could also be applied to a company but as the only exception is a limitation of liability, we advise to register as a sole-trader.

-
-
-
133 000
social contributions

Each person younger than 30 on 1 July, 2001 should make pension contributions to an old-age pension account. We include it in our internal model.

-
-
-
35 986
income
-
-
-
21 244
surtax
-
-
-
33 915
microenterprise
-
-
-
-
total
-
-
-
91 145
Employee
27 445
-
107 180
-
social contributions

Each person younger than 30 on 1 July, 2001 should make pension contributions to an old-age pension account. We include it in our internal model.

3 019
-
11 790
-
income
4 886
-
20 870
-
surtax
-
-
-
-
total
7 905
-
32 660
-
Employer
27 445
-
107 180
-
surtax
-
-
-
-
social contributions

Each person younger than 30 on 1 July, 2001 should make pension contributions to an old-age pension account. We include it in our internal model.

6 611
-
25 820
-
total
6 611
-
25 820
-
Corporate
98 944
133 000
-
-
income

Corporate income tax rate is 20% applicable to the taxable base. However, before applying the statutory rate, the taxable base should be divided by a coefficient of 0.8. As taxable base is increased by the coefficient, the effective corporate income tax rate is 25%.

19 788
26 600
-
-
total
19 788
26 600
-
-
Dividends

In Latvia, local dividends are not subject to withholding tax.

79 156
106 400
-
-
total
-
-
-
-
Income
133 000
133 000
133 000
133 000
Total tax
34 304
26 600
58 480
91 145
After tax
98 696
106 400
74 520
41 855
Living cost
19 540
19 540
19 540
19 540
Free-cash
79 156
86 860
54 980
22 315

Estimated living cost  is ₽19540 per week

₽12466
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1861
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽444
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.
₽4770
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 Riga model

Close
Rotterdam , Netherlands
₽20264
₽40228
₽26017
₽36339
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
-
-
-
133 000
health
-
-
-
11 582
income
-
-
-
34 729
pensions
-
-
-
11 004
total
-
-
-
57 315
Employee
80 207
80 207
115 545
-
pensions
14 437
11 004
11 004
-
health
12 311
10 472
11 582
-
income

It is possible to apply for a 30% ruling (tax reduction) for salaries over €37,000 per annum.

13 129
13 129
13 385
-
total
39 877
34 605
35 971
-
Employer
80 207
80 207
115 545
-
pensions
5 582
5 582
6 939
-
health
5 575
5 575
6 928
-
unemployment
2 887
2 887
3 588
-
total
14 044
14 044
17 455
-
Corporate
39 731
38 747
-
-
income
7 946
7 750
-
-
total
7 946
7 750
-
-
Dividends
31 785
30 998
-
-
income
6 755
6 588
-
-
withholding
4 768
4 650
-
-
total
11 523
11 238
-
-
Income
133 000
133 000
133 000
133 000
Total tax
73 390
67 637
53 426
57 315
After tax
59 610
65 363
79 574
75 685
Living cost
39 346
39 346
39 346
39 346
Free-cash
20 264
26 017
40 228
36 339

Estimated living cost  is ₽39346 per week

₽27884
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3547
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽626
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.
₽7290
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 Rotterdam model

Close
Stockholm , Sweden
₽33115
₽30745
₽33983
₽31784
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
-
-
-
133 000
accident
-
-
-
169
health
-
-
-
5 284
municipal
-
-
-
32 346
pensions
-
-
-
9 153
other
-
-
-
9 839
unemployment
-
-
-
85
national
-
-
-
5 705
total
-
-
-
62 581
Employee
55 051
-
106 396
-
municipal
16 416
-
31 727
-
national
-
-
5 290
-
total
16 416
-
37 017
-
Employer
55 051
-
106 396
-
pensions
5 951
-
9 153
-
other
6 397
-
9 839
-
health
3 386
-
5 207
-
unemployment
1 453
-
2 235
-
accident
110
-
169
-
total
17 297
-
26 603
-
Corporate
60 653
133 000
-
-
income
13 344
29 260
-
-
total
13 344
29 260
-
-
Dividends
47 309
103 740
-
-
withholding
14 193
31 122
-
-
total
14 193
31 122
-
-
Income
133 000
133 000
133 000
133 000
Total tax
61 250
60 382
63 620
62 581
After tax
71 750
72 618
69 380
70 419
Living cost
38 635
38 635
38 635
38 635
Free-cash
33 115
33 983
30 745
31 784

Estimated living cost  is ₽38635 per week

₽25605
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3791
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽587
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.
₽8651
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 Stockholm model

Close
Hamburg , Germany
₽42750
₽50108
₽29552
₽35412
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

Pension contribution is not mandatory for self-employed except for writers, artists and musicians who should pay standard rates to Künstlersozialkasse.

-
-
-
133 000
health

Our model is based on the assumption that an owner of the company is either a director or registered self-employed, so all social security contributions are not mandatory.

However, you would need to purchase private health insurance. We took an average price of €3600 per annum per person.

-
-
-
6 417
trade
-
-
-
14 696
income

Personal income is calculated on a progressive scale(from 14% to 42%), and is fixed at 45%. The tax percentage is unique and will depend on your income.

-
-
-
37 514
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

-
-
-
2 064
total
-
-
-
60 691
Employee

Pension contribution is not mandatory for self-employed except for writers, artists and musicians who should pay standard rates to Künstlersozialkasse.

47 631
-
133 000
-
health

Our model is based on the assumption that an owner of the company is either a director or registered self-employed, so all social security contributions are not mandatory.

However, you would need to purchase private health insurance. We took an average price of €3600 per annum per person.

6 417
-
6 417
-
income

Personal income is calculated on a progressive scale(from 14% to 42%), and is fixed at 45%. The tax percentage is unique and will depend on your income.

4 092
-
37 514
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

225
-
2 064
-
total
10 734
-
45 995
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
85 369
133 000
-
-
income
12 805
19 950
-
-
chamber of commerce
264
332
-
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

704
1 098
-
-
trade
14 043
21 879
-
-
total
27 816
43 259
-
-
Dividends
57 553
89 741
-
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

772
1 214
-
-
withholding
14 031
22 078
-
-
total
14 803
23 292
-
-
Income
133 000
133 000
133 000
133 000
Total tax
53 353
66 551
45 995
60 691
After tax
79 647
66 449
87 005
72 309
Living cost
36 897
36 897
36 897
36 897
Free-cash
42 750
29 552
50 108
35 412

Estimated living cost  is ₽36897 per week

₽24677
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3891
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽551
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.
₽7778
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

Additional information

Nationals of Europe, Australia, Canada, Israel, Japan, the Republic of Korea, New Zealand and the USA do not require an entry type D visa (not to confuse with a Schengen visa or a visa-free entry). For other nationals, waiting time is around 6-9 months which includes document preparation and processing.

Source of data for Hamburg model

Close
Limassol , Cyprus
₽62771
₽60809
₽66668
₽62065
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
-
-
-
133 000
social contributions
-
-
-
15 197
health
-
-
-
3 392
income
-
-
-
21 882
total
-
-
-
40 471
Employee
72 223
72 223
122 646
-
health
718
1 228
2 085
-
social contributions
3 510
5 994
8 085
-
income
7 584
6 686
21 203
-
total
11 812
13 908
31 373
-
Employer
72 223
72 223
122 646
-
health
782
1 337
2 269
-
social contributions
3 510
5 994
8 085
-
total
4 292
7 331
10 354
-
Corporate
86 432
53 446
-
-
income
10 805
6 680
-
-
total
10 805
6 680
-
-
Dividends
75 627
46 766
-
-
withholding
12 856
7 949
-
-
total
12 856
7 949
-
-
Income
133 000
133 000
133 000
133 000
Total tax
39 765
35 868
41 727
40 471
After tax
93 235
97 132
91 273
92 529
Living cost
30 464
30 464
30 464
30 464
Free-cash
62 771
66 668
60 809
62 065

Estimated living cost  is ₽30464 per week

₽20825
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2379
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽512
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.
₽6748
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 Limassol model

Close
Budapest , Hungary
₽57867
₽59823
₽57506
₽74858
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
-
-
-
133 000
health
-
-
-
9 310
income
-
-
-
16 259
pensions
-
-
-
13 300
unemployment
-
-
-
1 995
total
-
-
-
40 864
Employee

As of 2018, the minimum salary of a managing director was set at 180,500 HUF per month.

The minimum wage is 138,000 HUF per month.

24 942
9 926
111 297
-
unemployment
374
149
1 669
-
pensions
2 494
993
11 130
-
health
1 746
695
7 791
-
income
3 049
1 214
13 606
-
total
7 663
3 051
34 196
-
Employer

As of 2018, the minimum salary of a managing director was set at 180,500 HUF per month.

The minimum wage is 138,000 HUF per month.

24 942
9 926
111 297
-
pensions
4 864
1 936
21 703
-
total
4 864
1 936
21 703
-
Corporate
103 195
121 138
-
-
income
9 288
10 902
-
-
total
9 288
10 902
-
-
Dividends
93 907
110 235
-
-
social contributions
18 198
21 382
-
-
withholding
17 842
20 945
-
-
total
36 040
42 327
-
-
Income
133 000
133 000
133 000
133 000
Total tax
57 855
58 216
55 899
40 864
After tax
75 145
74 784
77 101
92 136
Living cost
17 278
17 278
17 278
17 278
Free-cash
57 867
57 506
59 823
74 858

Estimated living cost  is ₽17278 per week

₽11791
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1414
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽345
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.
₽3728
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 Budapest model

Close
Tallinn , Estonia
₽77880
₽53975
₽83714
₽48603
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
-
-
-
133 000
health
-
-
-
17 289
income
-
-
-
17 822
pensions
-
-
-
26 600
total
-
-
-
61 711
Employee
26 645
-
99 402
-
unemployment
426
-
1 590
-
pensions
533
-
1 987
-
income
3 000
-
19 164
-
total
3 959
-
22 741
-
Employer
26 645
-
99 402
-
pensions
5 329
-
19 881
-
health
3 463
-
12 922
-
unemployment
214
-
795
-
total
9 006
-
33 598
-
Corporate
97 349
133 000
-
-
income
19 469
26 600
-
-
total
19 469
26 600
-
-
Dividends
77 880
106 400
-
-
total
-
-
-
-
Income
133 000
133 000
133 000
133 000
Total tax
32 434
26 600
56 339
61 711
After tax
100 566
106 400
76 661
71 289
Living cost
22 686
22 686
22 686
22 686
Free-cash
77 880
83 714
53 975
48 603

Estimated living cost  is ₽22686 per week

₽15560
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1351
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽456
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.
₽5319
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 Tallinn model

Close
Gdansk , Poland
₽7557
₽50047
-₽10196
₽70076
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
-
-
-
133 000
accident
-
-
-
241
health
-
-
-
2 079
income
-
-
-
35 316
pensions
-
-
-
3 966
other
-
-
-
353
total
-
-
-
41 955
Employee
32 986
-
117 652
-
pensions
3 714
-
7 272
-
health
3 777
-
13 471
-
income
4 525
-
25 892
-
total
12 016
-
46 635
-
Employer
32 986
-
117 652
-
pensions
5 364
-
10 501
-
unemployment
808
-
2 883
-
accident
551
-
1 965
-
total
6 723
-
15 349
-
Corporate
93 292
133 000
-
-
income

From 1 January 2017, a lowered corporate income tax rate of 9% was introduced for so-called 'small taxpayers' - entities with turnover not exceeding the equivalent of €1.2 million and for taxpayers starting business activity, during their previous tax year.

83 963
119 700
-
-
total
83 963
119 700
-
-
Dividends
9 329
13 300
-
-
withholding
1 772
2 527
-
-
total
1 772
2 527
-
-
Income
133 000
133 000
133 000
133 000
Total tax
104 474
122 227
61 984
41 955
After tax
28 526
10 773
71 016
91 045
Living cost
20 969
20 969
20 969
20 969
Free-cash
7 557
-10 196
50 047
70 076

Estimated living cost  is ₽20969 per week

₽15369
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1162
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽438
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.
₽4002
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

Additional information

Poland permits registration as a sole-trader only for EU nationals or long-term EU resident permit holders. Other nationals should use a business incubator or set up a company and hire themselves as an employee.

Source of data for Gdansk model

Close
Batumi , Georgia
₽117218
₽98709
₽118659
₽123979
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

We expect you will register a microenterprise to benefit from 1% tax rate. Otherwise you will be taxed at a personal income rate of 20%.

-
-
-
133 000
microenterprise

A sole-trader will lose its microenterprise status when the turnover exceeds 500,000 GEL for the last two consecutive years.

-
-
-
1 330
total
-
-
-
1 330
Employee
9 614
-
133 000
-
income
1 922
-
26 600
-
total
1 922
-
26 600
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

We will register your company as part of a virtual zone. Your non-Georgian corporate tax will be zero. Turnover in Georgia will be taxed at 15%.

123 386
133 000
-
-
total
-
-
-
-
Dividends
123 386
133 000
-
-
withholding
6 169
6 650
-
-
total
6 169
6 650
-
-
Income
133 000
133 000
133 000
133 000
Total tax
8 091
6 650
26 600
1 330
After tax
124 909
126 350
106 400
131 670
Living cost
7 691
7 691
7 691
7 691
Free-cash
117 218
118 659
98 709
123 979

Estimated living cost  is ₽7691 per week

₽4766
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽639
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽211
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.
₽2074
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

Additional information

Social security system in Georgia is financed from the government taxes which are part of our internal model. Separate pension and medical insurance contributions are not compulsory. It is advisable to purchase health insurance privately as in an event of medical emergency the treatment is likely to get costly.

Source of data for Batumi model

Close
Bratislava , Slovakia
₽66345
₽51130
₽72689
₽45632
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
-
-
-
133 000
health
-
-
-
5 852
income
-
-
-
18 253
pensions

Participation in the individual account program is voluntary (6% of an income). The decision to contribute to an individual account must be made before the age of 35 and cannot be reversed.

-
-
-
31 919
other
-
-
-
6 317
total
-
-
-
62 341
Employee
34 103
-
106 230
-
unemployment
340
-
1 062
-
pensions

Participation in the individual account program is voluntary (6% of an income). The decision to contribute to an individual account must be made before the age of 35 and cannot be reversed.

2 387
-
7 436
-
health
478
-
1 487
-
income
5 871
-
20 088
-
total
9 076
-
30 073
-
Employer
34 103
-
106 230
-
pensions

Participation in the individual account program is voluntary (6% of an income). The decision to contribute to an individual account must be made before the age of 35 and cannot be reversed.

5 798
-
18 059
-
other
1 706
-
5 312
-
health
478
-
1 487
-
unemployment
340
-
1 062
-
accident
273
-
850
-
total
8 595
-
26 770
-
Corporate
90 302
133 000
-
-
income
18 963
27 930
-
-
total
18 963
27 930
-
-
Dividends
71 340
105 070
-
-
withholding
4 994
7 354
-
-
total
4 994
7 354
-
-
Income
133 000
133 000
133 000
133 000
Total tax
41 628
35 284
56 843
62 341
After tax
91 372
97 716
76 157
70 659
Living cost
25 027
25 027
25 027
25 027
Free-cash
66 345
72 689
51 130
45 632

Estimated living cost  is ₽25027 per week

₽17683
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1690
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽403
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.
₽5251
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 Bratislava model

Close
London , United Kingdom
₽25558
₽16701
₽28709
₽28899
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
-
-
-
133 000
income
-
-
-
34 943
pensions
-
-
-
7 690
total
-
-
-
42 633
Employee
86 968
-
116 451
-
pensions
8 390
-
9 672
-
health
1 433
-
1 800
-
income
15 677
-
26 810
-
total
25 500
-
38 282
-
Employer
86 968
-
116 451
-
pensions
10 268
-
14 337
-
health
1 652
-
2 212
-
total
11 920
-
16 549
-
Corporate
34 111
133 000
-
-
income

It is proposed for this rate to fall to 17% from the financial year starting on 1 April, 2020. Also, where the taxable profits can be attributed to the exploitation of patents, a lower rate of 10% applies.

6 481
25 269
-
-
total
6 481
25 269
-
-
Dividends
27 630
107 731
-
-
withholding
2 073
17 554
-
-
total
2 073
17 554
-
-
Income
133 000
133 000
133 000
133 000
Total tax
45 974
42 823
54 831
42 633
After tax
87 026
90 177
78 169
90 367
Living cost
61 468
61 468
61 468
61 468
Free-cash
25 558
28 709
16 701
28 899

Estimated living cost  is ₽61468 per week

₽46059
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽7222
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽500
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.
₽7688
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

Additional information

The only visa which will gain you entry to the UK as a freelancer is Tier 1 (with an exception of EU nationals or long-term UK residence permit holders, up until Brexit). There are two Tier 1 visa pathways.

You can either apply for an Entrepreneur visa which requires an investment of at least £200000 and creating two full time jobs, or choose an Exceptional Talent visa, which has no financial requirements but is more difficult to obtain.

Source of data for London model

Close
Varna , Bulgaria
₽97057
₽96867
₽101414
₽91999
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
-
-
-
133 000
health
-
-
-
3 769
income
-
-
-
19 950
pensions

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

-
-
-
4 850
unemployment
-
-
-
131
total
-
-
-
28 700
Employee
16 288
-
126 570
-
accident

We are using the highest rate at 1.1%.

179
-
360
-
pensions

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

1 430
-
2 878
-
health
749
-
1 508
-
income
1 629
-
12 657
-
total
3 987
-
17 403
-
Employer
16 288
-
126 570
-
pensions

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

1 795
-
3 611
-
health
1 124
-
2 261
-
unemployment
97
-
197
-
accident

We are using the highest rate at 1.1%.

179
-
360
-
total
3 195
-
6 429
-
Corporate
113 515
133 000
-
-
income
11 352
13 300
-
-
total
11 352
13 300
-
-
Dividends
102 164
119 700
-
-
withholding
5 108
5 985
-
-
total
5 108
5 985
-
-
Income
133 000
133 000
133 000
133 000
Total tax
23 642
19 285
23 832
28 700
After tax
109 358
113 715
109 168
104 300
Living cost
12 301
12 301
12 301
12 301
Free-cash
97 057
101 414
96 867
91 999

Estimated living cost  is ₽12301 per week

₽7182
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽878
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽326
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.
₽3915
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

Close
Amsterdam , Netherlands
₽15644
₽27492
₽13281
₽23603
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
-
-
-
133 000
health
-
-
-
11 582
income
-
-
-
34 729
pensions
-
-
-
11 004
total
-
-
-
57 315
Employee
87 079
80 207
115 545
-
pensions
11 004
11 004
11 004
-
health
10 864
10 472
11 582
-
income

It is possible to apply for a 30% ruling (tax reduction) for salaries over €37,000 per annum.

13 129
13 129
13 385
-
total
34 997
34 605
35 971
-
Employer
87 079
80 207
115 545
-
pensions
6 060
5 582
6 939
-
health
6 051
5 575
6 928
-
unemployment
3 135
2 887
3 588
-
total
15 246
14 044
17 455
-
Corporate
30 674
38 747
-
-
income
6 135
7 750
-
-
total
6 135
7 750
-
-
Dividends
24 539
30 998
-
-
income
5 215
6 588
-
-
withholding
3 681
4 650
-
-
total
8 896
11 238
-
-
Income
133 000
133 000
133 000
133 000
Total tax
65 274
67 637
53 426
57 315
After tax
67 726
65 363
79 574
75 685
Living cost
52 082
52 082
52 082
52 082
Free-cash
15 644
13 281
27 492
23 603

Estimated living cost  is ₽52082 per week

₽38419
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4652
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽597
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.
₽8415
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 Amsterdam model

Close
Brno , Czech Republic
₽59971
₽44202
₽68279
₽46010
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
-
-
-
133 000
social contributions
-
-
-
33 515
health
-
-
-
17 955
income
-
-
-
12 229
solidarity contribution
-
-
-
-
total
-
-
-
63 699
Employee
34 252
-
99 254
-
solidarity contribution
-
-
-
-
health
4 624
-
13 399
-
social contributions
2 226
-
6 452
-
income
4 110
-
11 910
-
total
10 960
-
31 761
-
Employer
34 252
-
99 254
-
health
3 083
-
8 933
-
social contributions
8 563
-
24 813
-
total
11 646
-
33 746
-
Corporate
87 103
133 000
-
-
income
16 549
25 270
-
-
total
16 549
25 270
-
-
Dividends
70 553
107 730
-
-
withholding
10 583
16 160
-
-
total
10 583
16 160
-
-
Income
133 000
133 000
133 000
133 000
Total tax
49 738
41 430
65 507
63 699
After tax
83 262
91 570
67 493
69 301
Living cost
23 291
23 291
23 291
23 291
Free-cash
59 971
68 279
44 202
46 010

Estimated living cost  is ₽23291 per week

₽16178
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1657
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽458
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.
₽4998
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 Brno model

Close
Milan , Italy
₽26423
₽19521
₽31327
₽25829
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
-
-
-
133 000
social contributions
-
-
-
34 208
municipal
-
-
-
790
regional
-
-
-
1 535
national
-
-
-
31 005
total
-
-
-
67 538
Employee
83 474
-
133 000
-
regional
788
-
1 353
-
municipal
442
-
706
-
national
14 464
-
26 939
-
social contributions
28 147
-
44 848
-
total
43 841
-
73 846
-
Employer
83 474
-
133 000
-
total
-
-
-
-
Corporate
49 526
133 000
-
-
municipal
1 932
5 187
-
-
nationa
11 887
31 921
-
-
total
13 819
37 108
-
-
Dividends
35 707
95 893
-
-
withholding
9 284
24 932
-
-
total
9 284
24 932
-
-
Income
133 000
133 000
133 000
133 000
Total tax
66 944
62 040
73 846
67 538
After tax
66 056
70 960
59 154
65 462
Living cost
39 633
39 633
39 633
39 633
Free-cash
26 423
31 327
19 521
25 829

Estimated living cost  is ₽39633 per week

₽27627
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2599
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽608
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.
₽8798
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 Milan model

Close
Thessaloniki , Greece
₽60010
₽39192
₽62930
₽42386
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
-
-
-
133 000
health
-
-
-
8 899
income
-
-
-
31 277
surtax
-
-
-
4 427
pensions
-
-
-
25 071
other
-
-
-
-
unemployment
-
-
-
214
total
-
-
-
69 888
Employee
31 060
-
109 872
-
unemployment
2 162
-
7 646
-
pensions
2 071
-
7 329
-
health
793
-
2 802
-
income
5 206
-
28 253
-
other
-
-
-
-
surtax
102
-
3 923
-
total
10 334
-
49 953
-
Employer
31 060
-
109 872
-
pensions
4 140
-
14 646
-
other
-
-
-
-
health
1 413
-
5 000
-
unemployment
984
-
3 483
-
total
6 537
-
23 129
-
Corporate
95 402
133 000
-
-
income
24 804
34 580
-
-
total
24 804
34 580
-
-
Dividends
70 598
98 420
-
-
withholding
10 589
14 764
-
-
total
10 589
14 764
-
-
Income
133 000
133 000
133 000
133 000
Total tax
52 264
49 344
73 082
69 888
After tax
80 736
83 656
59 918
63 112
Living cost
20 726
20 726
20 726
20 726
Free-cash
60 010
62 930
39 192
42 386

Estimated living cost  is ₽20726 per week

₽12673
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1913
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽478
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.
₽5663
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 of data for Thessaloniki model

Close
Cambridge , United Kingdom
₽50424
₽36175
₽48183
₽48373
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
-
-
-
133 000
income
-
-
-
34 943
pensions
-
-
-
7 690
total
-
-
-
42 633
Employee
58 284
-
116 451
-
pensions
4 947
-
9 672
-
health
846
-
1 800
-
income
10 497
-
26 810
-
total
16 290
-
38 282
-
Employer
58 284
-
116 451
-
pensions
6 309
-
14 337
-
health
1 107
-
2 212
-
total
7 416
-
16 549
-
Corporate
67 300
133 000
-
-
income

It is proposed for this rate to fall to 17% from the financial year starting on 1 April, 2020. Also, where the taxable profits can be attributed to the exploitation of patents, a lower rate of 10% applies.

12 787
25 269
-
-
total
12 787
25 269
-
-
Dividends
54 513
107 731
-
-
withholding
4 089
17 554
-
-
total
4 089
17 554
-
-
Income
133 000
133 000
133 000
133 000
Total tax
40 582
42 823
54 831
42 633
After tax
92 418
90 177
78 169
90 367
Living cost
41 994
41 994
41 994
41 994
Free-cash
50 424
48 183
36 175
48 373

Estimated living cost  is ₽41994 per week

₽31461
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3148
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽439
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.
₽6945
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

Additional information

The only visa which will gain you entry to the UK as a freelancer is Tier 1 (with an exception of EU nationals or long-term UK residence permit holders, up until Brexit). There are two Tier 1 visa pathways.

You can either apply for an Entrepreneur visa which requires an investment of at least £200000 and creating two full time jobs, or choose an Exceptional Talent visa, which has no financial requirements but is more difficult to obtain.

Source of data for Cambridge model

Close
Zurich , Switzerland
₽18032
₽28056
-₽13963
₽34521
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
-
-
-
133 000
health
-
-
-
300
pensions
-
-
-
12 235
other

This will depend on a canton and a chosen fund. The rate is between 0.3% and 3.4% with a maximum base of 148,200 CHF. We use 2% as an average rate.

-
-
-
2 660
regional
-
-
-
5 633
city
-
-
-
1 402
national
-
-
-
1 468
total
-
-
-
23 698
Employee
87 513
-
119 043
-
unemployment
-
-
-
-
pensions
7 352
-
9 999
-
regional
2 866
-
4 809
-
national
414
-
1 161
-
health
198
-
267
-
city
939
-
1 279
-
total
11 769
-
17 515
-
Employer
87 513
-
119 043
-
pensions
7 352
-
9 999
-
other

This will depend on a canton and a chosen fund. The rate is between 0.1% and 3.63% for an employee. We use 2% as an average rate.

1 750
-
2 382
-
health
198
-
267
-
unemployment
-
-
-
-
total
9 300
-
12 648
-
Corporate
35 225
133 000
-
-
regional
7 450
28 130
-
-
national
2 994
11 305
-
-
total
10 444
39 435
-
-
Dividends
24 781
93 565
-
-
withholding
8 674
32 747
-
-
total
8 674
32 747
-
-
Income
133 000
133 000
133 000
133 000
Total tax
40 187
72 182
30 163
23 698
After tax
92 813
60 818
102 837
109 302
Living cost
74 781
74 781
74 781
74 781
Free-cash
18 032
-13 963
28 056
34 521

Estimated living cost  is ₽74781 per week

₽48629
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6711
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽918
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.
₽18523
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

Additional information

It is extremely rare that a Third Country National (non-EU/EFTA/Swiss and without a long-term EU resident permit) is given a residence permit based on self-employment.

Source of data for Zurich model

Close
Munich , Germany
₽37969
₽43978
₽22738
₽28658
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

Pension contribution is not mandatory for self-employed except for writers, artists and musicians who should pay standard rates to Künstlersozialkasse.

-
-
-
133 000
health

Our model is based on the assumption that an owner of the company is either a director or registered self-employed, so all social security contributions are not mandatory.

However, you would need to purchase private health insurance. We took an average price of €3600 per annum per person.

-
-
-
6 417
trade
-
-
-
15 320
income

Personal income is calculated on a progressive scale(from 14% to 42%), and is fixed at 45%. The tax percentage is unique and will depend on your income.

-
-
-
37 514
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

-
-
-
2 064
total
-
-
-
61 315
Employee

Pension contribution is not mandatory for self-employed except for writers, artists and musicians who should pay standard rates to Künstlersozialkasse.

56 447
-
133 000
-
health

Our model is based on the assumption that an owner of the company is either a director or registered self-employed, so all social security contributions are not mandatory.

However, you would need to purchase private health insurance. We took an average price of €3600 per annum per person.

6 417
-
6 417
-
income

Personal income is calculated on a progressive scale(from 14% to 42%), and is fixed at 45%. The tax percentage is unique and will depend on your income.

6 638
-
37 514
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

365
-
2 064
-
total
13 420
-
45 995
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
76 553
133 000
-
-
income
11 482
19 950
-
-
chamber of commerce
250
330
-
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

631
1 098
-
-
trade
13 129
22 809
-
-
total
25 492
44 187
-
-
Dividends
51 062
88 813
-
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

683
1 201
-
-
withholding
12 409
21 847
-
-
total
13 092
23 048
-
-
Income
133 000
133 000
133 000
133 000
Total tax
52 004
67 235
45 995
61 315
After tax
80 996
65 765
87 005
71 685
Living cost
43 027
43 027
43 027
43 027
Free-cash
37 969
22 738
43 978
28 658

Estimated living cost  is ₽43027 per week

₽31425
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3442
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽560
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.
₽7602
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

Additional information

Nationals of Europe, Australia, Canada, Israel, Japan, the Republic of Korea, New Zealand and the USA do not require an entry type D visa (not to confuse with a Schengen visa or a visa-free entry). For other nationals, waiting time is around 6-9 months which includes document preparation and processing.

Source of data for Munich model

Close
Nice , France
₽40448
₽44589
₽34898
₽43339
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
-
-
-
133 000
social contributions
-
-
-
3 791
health
-
-
-
4 611
income
-
-
-
18 194
surtax
-
-
-
-
pensions
-
-
-
26 807
other
-
-
-
4 123
total
-
-
-
57 526
Employee
40 198
-
104 869
-
pensions
4 545
-
6 488
-
social contributions
1 146
-
2 987
-
income
2 372
-
18 670
-
surtax
-
-
-
-
total
8 063
-
28 145
-
Employer
40 198
-
104 869
-
pensions
6 604
-
11 067
-
other
1 387
-
3 749
-
health
2 814
-
8 753
-
unemployment
1 627
-
4 247
-
social contributions
121
-
315
-
total
12 553
-
28 131
-
Corporate
80 249
133 000
-
-
income
22 469
37 239
-
-
surtax
-
-
-
-
total
22 469
37 239
-
-
Dividends
57 780
95 761
-
-
surtax
-
-
-
-
social contributions
9 937
16 471
-
-
withholding
7 395
12 257
-
-
total
17 332
28 728
-
-
Income
133 000
133 000
133 000
133 000
Total tax
60 417
65 967
56 276
57 526
After tax
72 583
67 033
76 724
75 474
Living cost
32 135
32 135
32 135
32 135
Free-cash
40 448
34 898
44 589
43 339

Estimated living cost  is ₽32135 per week

₽20262
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2613
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽547
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.
₽8714
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 Nice model

Close
Marseille , France
₽43299
₽47773
₽38082
₽46523
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
-
-
-
133 000
social contributions
-
-
-
3 791
health
-
-
-
4 611
income
-
-
-
18 194
surtax
-
-
-
-
pensions
-
-
-
26 807
other
-
-
-
4 123
total
-
-
-
57 526
Employee
35 882
-
104 869
-
pensions
4 058
-
6 488
-
social contributions
1 023
-
2 987
-
income
1 850
-
18 670
-
surtax
-
-
-
-
total
6 931
-
28 145
-
Employer
35 882
-
104 869
-
pensions
5 896
-
11 067
-
other
1 239
-
3 749
-
health
2 511
-
8 753
-
unemployment
1 453
-
4 247
-
social contributions
107
-
315
-
total
11 206
-
28 131
-
Corporate
85 912
133 000
-
-
income
24 055
37 239
-
-
surtax
-
-
-
-
total
24 055
37 239
-
-
Dividends
61 857
95 761
-
-
surtax
-
-
-
-
social contributions
10 641
16 471
-
-
withholding
7 917
12 257
-
-
total
18 558
28 728
-
-
Income
133 000
133 000
133 000
133 000
Total tax
60 750
65 967
56 276
57 526
After tax
72 250
67 033
76 724
75 474
Living cost
28 951
28 951
28 951
28 951
Free-cash
43 299
38 082
47 773
46 523

Estimated living cost  is ₽28951 per week

₽16790
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2941
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽549
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.
₽8671
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 Marseille model

Close
Vilnius , Lithuania
₽61714
₽63708
₽61226
₽65498
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
-
-
-
133 000
social contributions
-
-
-
18 353
health
-
-
-
9 283
income
-
-
-
19 950
total
-
-
-
47 586
Employee
31 846
-
133 000
-
health
2 223
-
9 283
-
social contributions
4 395
-
18 353
-
income
5 312
-
21 740
-
total
11 930
-
49 376
-
Employer
31 846
-
133 000
-
total
-
-
-
-
Corporate
101 154
133 000
-
-
income

The standard tax rate is 15%. However, small companies and agricultural companies can apply a reduced corporate income tax rate of 0% to the first year of operation when certain conditions are met; and 5% to revenues of less than €300,000 per year. We made calculations based on 5% and skipped 0%.

5 058
6 650
-
-
total
5 058
6 650
-
-
Dividends
96 096
126 350
-
-
health
6 707
8 819
-
-
social contributions
13 261
17 437
-
-
withholding
14 414
18 952
-
-
total
34 382
45 208
-
-
Income
133 000
133 000
133 000
133 000
Total tax
51 370
51 858
49 376
47 586
After tax
81 630
81 142
83 624
85 414
Living cost
19 916
19 916
19 916
19 916
Free-cash
61 714
61 226
63 708
65 498

Estimated living cost  is ₽19916 per week

₽13329
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1228
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽458
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.
₽4900
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 Vilnius model

Close
Vienna , Austria
₽39350
₽2225
₽40804
₽34575
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
-
-
-
133 000
health
-
-
-
8 393
surtax
-
-
-
185
income
-
-
-
30 160
chamber of commerce
-
-
-
531
pensions
-
-
-
20 300
unemployment
-
-
-
5 761
total
-
-
-
65 330
Employee
46 939
37 430
103 133
-
unemployment
1 408
1 123
3 094
-
pensions
4 807
3 832
10 561
-
health
1 816
1 449
3 991
-
income
5 344
2 761
24 242
-
other
469
374
1 032
-
total
13 844
9 539
42 920
-
Employer
46 939
37 430
103 133
-
chamber of commerce
187
150
412
-
pensions
5 891
4 698
12 944
-
other
2 230
1 777
4 900
-
health
1 773
1 415
3 898
-
unemployment
1 408
1 123
3 094
-
accident
610
487
1 340
-
surtax
185
185
185
-
payroll
1 408
1 123
3 094
-
total
13 692
10 958
29 867
-
Corporate
72 369
84 612
99 568
-
income

The minimum corporate income for a GmbH is €1,1750 for a year. However, for GmbHs founded after 30 June 2013, the amount is reduced to €500 for the first five years and €1000 for the next five years.

Минимальный корпоративный налог для GmbH €1,1750 в год. Если GmbHs основана после 30 Июня 2013 эта сумма сниже до €500 в первые 5 лет и €1000 для следующих пяти лет.

18 093
21 153
24 893
-
total
18 093
21 153
24 893
-
Dividends
54 276
63 458
-
-
withholding
14 926
17 451
-
-
total
14 926
17 451
-
-
Income
133 000
133 000
133 000
133 000
Total tax
60 555
59 101
97 680
65 330
After tax
72 445
73 899
35 320
67 670
Living cost
33 095
33 095
33 095
33 095
Free-cash
39 350
40 804
2 225
34 575

Estimated living cost  is ₽33095 per week

₽22073
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2823
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽544
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.
₽7655
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

Additional information

As a Third Country National (non-EU/EFTA/Swiss and without a long-term EU resident permit), you can apply for permanent residence when your business creates macroeconomic benefit. This could be an investment starting from €100,000, creating new jobs or securing existing ones, or making a substantial contribution to the region's economy. You can also be considered with a transfer of know-how to Austria or an evident commitment to develop an innovative product or technology.

Source of data for Vienna model

Close
Brussels , Belgium
₽26116
₽14388
₽40205
₽24314
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
-
-
-
133 000
social contributions
-
-
-
20 895
communal

Communal tax will depend on the area of registration and each commune in the city has its own rate.

-
-
-
6 727
national
-
-
-
46 818
total
-
-
-
74 440
Employee

The minimum management director salary is set at €45,000 per year.

67 184
-
103 013
-
unemployment

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

585
-
897
-
pensions

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

5 039
-
7 727
-
national
20 655
-
35 539
-
health

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

3 157
-
4 843
-
communal

Communal tax will depend on the area of registration and each commune in the city has its own rate.

3 504
-
5 372
-
total
32 940
-
54 378
-
Employer

The minimum management director salary is set at €45,000 per year.

67 184
-
103 013
-
pensions

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

5 953
-
9 128
-
health

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

4 132
-
6 335
-
unemployment

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

980
-
1 504
-
accident

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

873
-
1 339
-
surtax
7 618
-
11 682
-
total
19 556
-
29 988
-
Corporate
46 259
133 000
-
-
income
9 252
26 600
-
-
surtax
185
531
-
-
total
9 437
27 131
-
-
Dividends
36 821
105 869
-
-
withholding

As an investor, you can take advantage of €640 tax free allowance per year.

10 705
31 418
-
-
total
10 705
31 418
-
-
Income
133 000
133 000
133 000
133 000
Total tax
72 638
58 549
84 366
74 440
After tax
60 362
74 451
48 634
58 560
Living cost
34 246
34 246
34 246
34 246
Free-cash
26 116
40 205
14 388
24 314

Estimated living cost  is ₽34246 per week

₽22059
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2994
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽536
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.
₽8657
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 Brussels model

Close
Barcelona , Spain
₽48121
₽36564
₽55125
₽41079
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
-
-
-
133 000
accident
-
-
-
784
income
-
-
-
31 884
pensions
-
-
-
24 636
other
-
-
-
87
unemployment
-
-
-
610
total
-
-
-
58 001
Employee
46 753
-
105 246
-
unemployment
725
-
1 349
-
pensions
2 198
-
4 092
-
income
9 865
-
29 234
-
other
46
-
87
-
total
12 834
-
34 762
-
Employer
46 753
-
105 246
-
pensions
11 033
-
20 546
-
other
373
-
697
-
unemployment
2 572
-
4 787
-
accident
925
-
1 724
-
total
14 903
-
27 754
-
Corporate
71 344
133 000
-
-
income

The general rate of corporate tax is 25%. The lower rate of 15% is introduced for newly formed companies which applies during the first two years of operation in which taxable profit is made. We use the lower rate in our model.

10 701
19 950
-
-
total
10 701
19 950
-
-
Dividends
60 643
113 050
-
-
withholding
12 521
24 005
-
-
total
12 521
24 005
-
-
Income
133 000
133 000
133 000
133 000
Total tax
50 959
43 955
62 516
58 001
After tax
82 041
89 045
70 484
74 999
Living cost
33 920
33 920
33 920
33 920
Free-cash
48 121
55 125
36 564
41 079

Estimated living cost  is ₽33920 per week

₽24978
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2406
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽488
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.
₽6046
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 Barcelona model

Close
Luxembourg , Luxembourg
₽18223
₽23649
₽28457
₽18347
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
-
-
-
133 000
accident
-
-
-
1 121
health
-
-
-
9 347
income
-
-
-
18 210
surtax
-
-
-
6 593
pensions
-
-
-
19 934
communal
-
-
-
8 406
total
-
-
-
63 611
Employee
71 128
-
118 803
-
pensions
5 689
-
9 504
-
health
3 166
-
5 287
-
income
6 870
-
22 040
-
surtax
4 360
-
7 281
-
total
20 085
-
44 112
-
Employer
71 128
-
118 803
-
pensions
5 689
-
9 504
-
health
2 169
-
3 624
-
accident
640
-
1 069
-
total
8 498
-
14 197
-
Corporate
53 374
133 000
-
-
income
8 006
19 950
-
-
communal
3 602
8 978
-
-
surtax
560
1 397
-
-
total
12 168
30 325
-
-
Dividends
41 205
102 674
-
-
income
16 803
7 774
-
-
withholding
6 181
15 402
-
-
total
22 984
23 176
-
-
Income
133 000
133 000
133 000
133 000
Total tax
63 735
53 501
58 309
63 611
After tax
69 265
79 499
74 691
69 389
Living cost
51 042
51 042
51 042
51 042
Free-cash
18 223
28 457
23 649
18 347

Estimated living cost  is ₽51042 per week

₽38289
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3092
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽540
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.
₽9119
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 Luxembourg model

Close
Athens , Greece
₽59575
₽38822
₽62560
₽42016
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
-
-
-
133 000
health
-
-
-
8 899
income
-
-
-
31 277
surtax
-
-
-
4 427
pensions
-
-
-
25 071
other
-
-
-
-
unemployment
-
-
-
214
total
-
-
-
69 888
Employee
31 630
-
109 872
-
unemployment
2 201
-
7 646
-
pensions
2 110
-
7 329
-
health
807
-
2 802
-
income
5 303
-
28 253
-
other
-
-
-
-
surtax
112
-
3 923
-
total
10 533
-
49 953
-
Employer
31 630
-
109 872
-
pensions
4 217
-
14 646
-
other
-
-
-
-
health
1 438
-
5 000
-
unemployment
1 003
-
3 483
-
total
6 658
-
23 129
-
Corporate
94 711
133 000
-
-
income
24 625
34 580
-
-
total
24 625
34 580
-
-
Dividends
70 085
98 420
-
-
withholding
10 513
14 764
-
-
total
10 513
14 764
-
-
Income
133 000
133 000
133 000
133 000
Total tax
52 329
49 344
73 082
69 888
After tax
80 671
83 656
59 918
63 112
Living cost
21 096
21 096
21 096
21 096
Free-cash
59 575
62 560
38 822
42 016

Estimated living cost  is ₽21096 per week

₽12737
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1834
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽490
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.
₽6037
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 of data for Athens model

Close
Naples , Italy
₽42522
₽33416
₽44606
₽39690
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
-
-
-
133 000
social contributions
-
-
-
34 208
municipal
-
-
-
790
regional
-
-
-
2 006
national
-
-
-
31 005
total
-
-
-
68 009
Employee
52 101
-
133 000
-
regional
701
-
1 790
-
municipal
276
-
706
-
national
8 254
-
26 939
-
social contributions
17 569
-
44 848
-
total
26 800
-
74 283
-
Employer
52 101
-
133 000
-
total
-
-
-
-
Corporate
80 899
133 000
-
-
municipal
4 021
6 611
-
-
nationa
19 416
31 921
-
-
total
23 437
38 532
-
-
Dividends
57 462
94 468
-
-
withholding
14 940
24 561
-
-
total
14 940
24 561
-
-
Income
133 000
133 000
133 000
133 000
Total tax
65 177
63 093
74 283
68 009
After tax
67 823
69 907
58 717
64 991
Living cost
25 301
25 301
25 301
25 301
Free-cash
42 522
44 606
33 416
39 690

Estimated living cost  is ₽25301 per week

₽15735
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2563
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽433
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.
₽6570
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 Naples model

Close
Prague , Czech Republic
₽52630
₽38792
₽62869
₽40600
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
-
-
-
133 000
social contributions
-
-
-
33 515
health
-
-
-
17 955
income
-
-
-
12 229
solidarity contribution
-
-
-
-
total
-
-
-
63 699
Employee
42 207
-
99 254
-
solidarity contribution
-
-
-
-
health
5 698
-
13 399
-
social contributions
2 743
-
6 452
-
income
5 065
-
11 910
-
total
13 506
-
31 761
-
Employer
42 207
-
99 254
-
health
3 799
-
8 933
-
social contributions
10 552
-
24 813
-
total
14 351
-
33 746
-
Corporate
76 443
133 000
-
-
income
14 524
25 270
-
-
total
14 524
25 270
-
-
Dividends
61 918
107 730
-
-
withholding
9 288
16 160
-
-
total
9 288
16 160
-
-
Income
133 000
133 000
133 000
133 000
Total tax
51 669
41 430
65 507
63 699
After tax
81 331
91 570
67 493
69 301
Living cost
28 701
28 701
28 701
28 701
Free-cash
52 630
62 869
38 792
40 600

Estimated living cost  is ₽28701 per week

₽21344
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1590
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽497
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.
₽5271
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 Prague model

Close
Graz , Austria
₽43569
₽5390
₽44034
₽37890
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
-
-
-
133 000
health
-
-
-
8 393
surtax
-
-
-
-
income
-
-
-
30 160
chamber of commerce
-
-
-
531
pensions
-
-
-
20 300
unemployment
-
-
-
5 761
total
-
-
-
65 145
Employee
41 057
37 430
103 277
-
unemployment
1 232
1 123
3 098
-
pensions
4 205
3 832
10 575
-
health
1 588
1 449
3 996
-
income
3 657
2 761
24 292
-
other
410
374
1 032
-
total
11 092
9 539
42 993
-
Employer
41 057
37 430
103 277
-
chamber of commerce
164
150
414
-
pensions
5 153
4 698
12 962
-
other
1 950
1 777
4 907
-
health
1 552
1 415
3 903
-
unemployment
1 232
1 123
3 098
-
accident
533
487
1 342
-
surtax
-
-
-
-
payroll
1 232
1 123
3 098
-
total
11 816
10 773
29 724
-
Corporate
80 128
84 797
99 712
-
income

The minimum corporate income for a GmbH is €1,1750 for a year. However, for GmbHs founded after 30 June 2013, the amount is reduced to €500 for the first five years and €1000 for the next five years.

Минимальный корпоративный налог для GmbH €1,1750 в год. Если GmbHs основана после 30 Июня 2013 эта сумма сниже до €500 в первые 5 лет и €1000 для следующих пяти лет.

20 032
21 200
24 928
-
total
20 032
21 200
24 928
-
Dividends
60 095
63 597
-
-
withholding
16 526
17 489
-
-
total
16 526
17 489
-
-
Income
133 000
133 000
133 000
133 000
Total tax
59 466
59 001
97 645
65 145
After tax
73 534
73 999
35 355
67 855
Living cost
29 965
29 965
29 965
29 965
Free-cash
43 569
44 034
5 390
37 890

Estimated living cost  is ₽29965 per week

₽17975
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3060
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽535
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.
₽8395
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

Additional information

As a Third Country National (non-EU/EFTA/Swiss and without a long-term EU resident permit), you can apply for permanent residence when your business creates macroeconomic benefit. This could be an investment starting from €100,000, creating new jobs or securing existing ones, or making a substantial contribution to the region's economy. You can also be considered with a transfer of know-how to Austria or an evident commitment to develop an innovative product or technology.

Source of data for Graz model

Close
Tbilisi , Georgia
₽112117
₽94415
₽114365
₽119685
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

We expect you will register a microenterprise to benefit from 1% tax rate. Otherwise you will be taxed at a personal income rate of 20%.

-
-
-
133 000
microenterprise

A sole-trader will lose its microenterprise status when the turnover exceeds 500,000 GEL for the last two consecutive years.

-
-
-
1 330
total
-
-
-
1 330
Employee
14 982
-
133 000
-
income
2 997
-
26 600
-
total
2 997
-
26 600
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

We will register your company as part of a virtual zone. Your non-Georgian corporate tax will be zero. Turnover in Georgia will be taxed at 15%.

118 018
133 000
-
-
total
-
-
-
-
Dividends
118 018
133 000
-
-
withholding
5 901
6 650
-
-
total
5 901
6 650
-
-
Income
133 000
133 000
133 000
133 000
Total tax
8 898
6 650
26 600
1 330
After tax
124 102
126 350
106 400
131 670
Living cost
11 985
11 985
11 985
11 985
Free-cash
112 117
114 365
94 415
119 685

Estimated living cost  is ₽11985 per week

₽8111
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽503
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽402
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.
₽2969
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

Additional information

Social security system in Georgia is financed from the government taxes which are part of our internal model. Separate pension and medical insurance contributions are not compulsory. It is advisable to purchase health insurance privately as in an event of medical emergency the treatment is likely to get costly.

Source of data for Tbilisi model

Close
Ljubljana , Slovenia
₽58523
₽37890
₽66377
₽41411
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

A sole-trader pays social contribution from 75% of the assessed income made in the last year.

The minimum monthly assessed income used to calculate contributions is 60% of the insured's average monthly wage in the last year.

The maximum assessed income used to calculate contributions is 3.5 times the insured's average monthly wage in the last year.

-
-
-
133 000
health
-
-
-
13 088
income
-
-
-
28 819
pensions
-
-
-
24 289
unemployment
-
-
-
200
total
-
-
-
66 396
Employee

The minimum monthly earnings used to calculate contributions are 54% (gradually rising by two percent until reaching 60% by 2021) of the insured's average monthly wage in the last year.

41 533
-
115 080
-
unemployment
59
-
160
-
pensions
6 438
-
17 838
-
health
2 682
-
7 434
-
income
7 162
-
26 566
-
total
16 341
-
51 998
-
Employer

The minimum monthly earnings used to calculate contributions are 54% (gradually rising by two percent until reaching 60% by 2021) of the insured's average monthly wage in the last year.

41 533
-
115 080
-
pensions
3 675
-
10 185
-
health
2 766
-
7 664
-
unemployment
25
-
70
-
total
6 466
-
17 919
-
Corporate
85 000
133 000
-
-
income
16 150
25 271
-
-
total
16 150
25 271
-
-
Dividends
68 850
107 729
-
-
withholding
10 327
16 159
-
-
total
10 327
16 159
-
-
Income
133 000
133 000
133 000
133 000
Total tax
49 284
41 430
69 917
66 396
After tax
83 716
91 570
63 083
66 604
Living cost
25 193
25 193
25 193
25 193
Free-cash
58 523
66 377
37 890
41 411

Estimated living cost  is ₽25193 per week

₽17289
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1615
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽488
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.
₽5802
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 Ljubljana model

Close
Oslo , Norway
-₽8109
₽79715
₽40082
₽51079
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
-
-
-
133 000
social contributions
-
-
-
15 162
income
-
-
-
25 924
total
-
-
-
41 086
Employee
58 552
-
-
-
social contributions
4 801
-
684
-
income
12 915
-
-
-
total
17 716
-
684
-
Employer
58 552
-
-
-
social contributions
82 558
-
11 766
-
total
82 558
-
11 766
-
Corporate
-
133 000
-
-
income
-
29 260
-
-
total
-
29 260
-
-
Dividends
-
103 740
-
-
income
-
22 823
-
-
total
-
22 823
-
-
Income
133 000
133 000
133 000
133 000
Total tax
100 274
52 083
12 450
41 086
After tax
32 726
80 917
120 550
91 914
Living cost
40 835
40 835
40 835
40 835
Free-cash
-8 109
40 082
79 715
51 079

Estimated living cost  is ₽40835 per week

₽26495
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3841
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽520
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.
₽9979
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 Oslo model

Close
Lisbon , Portugal
₽45244
₽33764
₽46189
₽42876
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

Based on articles 30.º, 31.º and 151.º of CIRS, sole-trader can use 75% of income as a tax base when earnings are below €200,000 per annum.

-
-
-
133 000
social contributions

Social contributions in Portugal are calculated from the total income before any reductions apply.

-
-
-
46 217
income
-
-
-
14 446
surtax
-
-
-
-
total
-
-
-
60 663
Employee
43 198
-
107 474
-
social contributions
4 752
-
11 823
-
income
8 985
-
32 426
-
surtax
-
-
-
-
total
13 737
-
44 249
-
Employer
43 198
-
107 474
-
social contributions
10 259
-
25 526
-
total
10 259
-
25 526
-
Corporate
79 543
133 000
-
-
income
16 705
27 930
-
-
surtax
-
-
-
-
total
16 705
27 930
-
-
Dividends
62 838
105 070
-
-
withholding
17 594
29 420
-
-
total
17 594
29 420
-
-
Income
133 000
133 000
133 000
133 000
Total tax
58 295
57 350
69 775
60 663
After tax
74 705
75 650
63 225
72 337
Living cost
29 461
29 461
29 461
29 461
Free-cash
45 244
46 189
33 764
42 876

Estimated living cost  is ₽29461 per week

₽22043
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1738
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽492
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.
₽5189
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 Lisbon model

Close
Paris , France
₽28124
₽31360
₽21669
₽30110
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
-
-
-
133 000
social contributions
-
-
-
3 791
health
-
-
-
4 611
income
-
-
-
18 194
surtax
-
-
-
-
pensions
-
-
-
26 807
other
-
-
-
4 123
total
-
-
-
57 526
Employee
58 826
-
104 869
-
pensions
6 654
-
6 488
-
social contributions
1 675
-
2 987
-
income
5 133
-
18 670
-
surtax
-
-
-
-
total
13 462
-
28 145
-
Employer
58 826
-
104 869
-
pensions
9 666
-
11 067
-
other
2 030
-
3 749
-
health
4 117
-
8 753
-
unemployment
2 383
-
4 247
-
social contributions
176
-
315
-
total
18 372
-
28 131
-
Corporate
55 801
133 000
-
-
income
15 624
37 239
-
-
surtax
-
-
-
-
total
15 624
37 239
-
-
Dividends
40 176
95 761
-
-
surtax
-
-
-
-
social contributions
6 912
16 471
-
-
withholding
5 142
12 257
-
-
total
12 054
28 728
-
-
Income
133 000
133 000
133 000
133 000
Total tax
59 512
65 967
56 276
57 526
After tax
73 488
67 033
76 724
75 474
Living cost
45 364
45 364
45 364
45 364
Free-cash
28 124
21 669
31 360
30 110

Estimated living cost  is ₽45364 per week

₽30702
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3711
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽622
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.
₽10329
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 Paris model

Close
Andorra , Andorra
₽88312
₽74372
₽91467
₽70837
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
-
-
-
133 000
social contributions
-
-
-
29 260
income
-
-
-
4 670
total
-
-
-
33 930
Employee
30 196
-
115 151
-
social contributions
1 962
-
7 484
-
income
-
-
5 064
-
total
1 962
-
12 548
-
Employer
30 196
-
115 151
-
social contributions
4 681
-
17 847
-
total
4 681
-
17 847
-
Corporate
98 124
133 000
-
-
income
9 812
13 300
-
-
total
9 812
13 300
-
-
Dividends
88 312
119 700
-
-
total
-
-
-
-
Income
133 000
133 000
133 000
133 000
Total tax
16 455
13 300
30 395
33 930
After tax
116 545
119 700
102 605
99 070
Living cost
28 233
28 233
28 233
28 233
Free-cash
88 312
91 467
74 372
70 837

Estimated living cost  is ₽28233 per week

₽18255
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2128
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽531
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.
₽7318
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

Additional information

Andorra has a limit of 1000 sole-trade resident permits per year, so while it isn't complicated to obtain one, it may get difficult by the end of the term.

Source of data for Andorra model

Close
Copenhagen , Denmark
-₽71460
-₽71460
-₽71460
₽35114
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
-
-
-
133 000
municipal
-
-
-
26 745
pensions
-
-
-
813
labour market
-
-
-
10 575
national
-
-
-
14 559
total
-
-
-
52 692
Employee
190 754
190 754
190 754
-
pensions
271
271
271
-
municipal
40 620
40 620
40 620
-
national
23 304
23 304
23 304
-
labour market
15 239
15 239
15 239
-
total
79 434
79 434
79 434
-
Employer
190 754
190 754
190 754
-
municipal
40 685
40 685
40 685
-
pensions
542
542
542
-
national
23 345
23 345
23 345
-
labour market
15 260
15 260
15 260
-
total
79 832
79 832
79 832
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
133 000
133 000
133 000
133 000
Total tax
159 266
159 266
159 266
52 692
After tax
-26 266
-26 266
-26 266
80 308
Living cost
45 194
45 194
45 194
45 194
Free-cash
-71 460
-71 460
-71 460
35 114

Estimated living cost  is ₽45194 per week

₽30931
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3998
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽695
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.
₽9570
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 Copenhagen model

Close
Krakow , Poland
₽7604
₽50356
-₽9887
₽70385
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
-
-
-
133 000
accident
-
-
-
241
health
-
-
-
2 079
income
-
-
-
35 316
pensions
-
-
-
3 966
other
-
-
-
353
total
-
-
-
41 955
Employee
32 499
-
117 652
-
pensions
3 660
-
7 272
-
health
3 721
-
13 471
-
income
4 459
-
25 892
-
total
11 840
-
46 635
-
Employer
32 499
-
117 652
-
pensions
5 284
-
10 501
-
unemployment
796
-
2 883
-
accident
543
-
1 965
-
total
6 623
-
15 349
-
Corporate
93 877
133 000
-
-
income

From 1 January 2017, a lowered corporate income tax rate of 9% was introduced for so-called 'small taxpayers' - entities with turnover not exceeding the equivalent of €1.2 million and for taxpayers starting business activity, during their previous tax year.

84 489
119 700
-
-
total
84 489
119 700
-
-
Dividends
9 388
13 300
-
-
withholding
1 784
2 527
-
-
total
1 784
2 527
-
-
Income
133 000
133 000
133 000
133 000
Total tax
104 736
122 227
61 984
41 955
After tax
28 264
10 773
71 016
91 045
Living cost
20 660
20 660
20 660
20 660
Free-cash
7 604
-9 887
50 356
70 385

Estimated living cost  is ₽20660 per week

₽15038
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1178
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽388
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.
₽4056
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

Additional information

Poland permits registration as a sole-trader only for EU nationals or long-term EU resident permit holders. Other nationals should use a business incubator or set up a company and hire themselves as an employee.

Source of data for Krakow model

Close
Helsinki , Finland
₽50596
₽35773
₽49296
₽54009
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

You can choose the amount to declare for pension contributions and choose a pension insurance company or a pension insurance fund you prefer to use; or you could opt out of pension contributions altogether. You can find more details on Finnish Centre for Pensions

-
-
-
133 000
health
-
-
-
1 656
municipal
-
-
-
23 642
national
-
-
-
17 633
total
-
-
-
42 931
Employee
49 415
-
111 888
-
unemployment
741
-
1 679
-
pensions
3 335
-
7 552
-
municipal
8 094
-
18 239
-
national
816
-
11 254
-
health
369
-
1 331
-
total
13 355
-
40 055
-
Employer
49 415
-
111 888
-
pensions
8 573
-
19 412
-
health
380
-
861
-
unemployment
321
-
727
-
accident
50
-
112
-
total
9 324
-
21 112
-
Corporate
74 261
133 000
-
-
income
14 853
26 600
-
-
total
14 853
26 600
-
-
Dividends

Finish residents use 75% of income from dividends as a base for income tax.

44 556
79 800
-
-
national
791
6 680
-
-
municipal
8 021
14 364
-
-
total
8 812
21 044
-
-
Income
133 000
133 000
133 000
133 000
Total tax
46 344
47 644
61 167
42 931
After tax
86 656
85 356
71 833
90 069
Living cost
36 060
36 060
36 060
36 060
Free-cash
50 596
49 296
35 773
54 009

Estimated living cost  is ₽36060 per week

₽23554
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3469
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽574
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.
₽8465
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

Additional information

Finland permits registration as a sole-trader only for EU nationals or long-term EU resident permit holders. Other nationals should set up a company and hire themselves as an employee.

Source of data for Helsinki model

Close
Larnaca , Cyprus
₽70272
₽69527
₽75386
₽70783
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
-
-
-
133 000
social contributions
-
-
-
15 197
health
-
-
-
3 392
income
-
-
-
21 882
total
-
-
-
40 471
Employee
72 223
72 223
122 646
-
health
560
1 228
2 085
-
social contributions
2 731
5 994
8 085
-
income
7 864
6 686
21 203
-
total
11 155
13 908
31 373
-
Employer
72 223
72 223
122 646
-
health
608
1 337
2 269
-
social contributions
2 731
5 994
8 085
-
total
3 339
7 331
10 354
-
Corporate
96 761
53 446
-
-
income
12 095
6 680
-
-
total
12 095
6 680
-
-
Dividends
84 666
46 766
-
-
withholding
14 393
7 949
-
-
total
14 393
7 949
-
-
Income
133 000
133 000
133 000
133 000
Total tax
40 982
35 868
41 727
40 471
After tax
92 018
97 132
91 273
92 529
Living cost
21 746
21 746
21 746
21 746
Free-cash
70 272
75 386
69 527
70 783

Estimated living cost  is ₽21746 per week

₽13033
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2134
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽481
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.
₽6099
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 Larnaca model

Close
Podgorica , Montenegro
₽90447
₽76584
₽95225
₽95422
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

By law (Article 9 §1 (7); Article 10 §1 (7); Article 11 §1 (5)) a social contribution base is set as:

  • up to €9,000.00, 60% of the average monthly wage in Montenegro
  • up to €15,000.00, 100% of the average monthly wage in Montenegro
  • in excess of €15,000, 150% of the average monthly wage in Montenegro
-
-
-
133 000
health
-
-
-
3 399
income
-
-
-
13 265
pensions
-
-
-
5 975
unemployment
-
-
-
27
total
-
-
-
22 666
Employee

We use the last available minimum wage (€288,05 per month) as a minimum base for social contributions.

21 559
-
123 821
-
unemployment
107
-
446
-
pensions
3 233
-
13 368
-
health
1 832
-
7 575
-
income
1 474
-
10 935
-
total
6 646
-
32 324
-
Employer

We use the last available minimum wage (€288,05 per month) as a minimum base for social contributions.

21 559
-
123 821
-
pensions
1 185
-
4 902
-
health
927
-
3 832
-
unemployment
107
-
446
-
total
2 219
-
9 180
-
Corporate
109 222
133 000
-
-
income
9 830
11 971
-
-
total
9 830
11 971
-
-
Dividends
99 392
121 029
-
-
withholding
8 946
10 892
-
-
total
8 946
10 892
-
-
Income
133 000
133 000
133 000
133 000
Total tax
27 641
22 863
41 504
22 666
After tax
105 359
110 137
91 496
110 334
Living cost
14 912
14 912
14 912
14 912
Free-cash
90 447
95 225
76 584
95 422

Estimated living cost  is ₽14912 per week

₽9514
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1075
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽444
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.
₽3878
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 Podgorica model

Close
Valencia , Spain
₽58768
₽44656
₽63217
₽49171
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
-
-
-
133 000
accident
-
-
-
784
income
-
-
-
31 884
pensions
-
-
-
24 636
other
-
-
-
87
unemployment
-
-
-
610
total
-
-
-
58 001
Employee
34 729
-
105 246
-
unemployment
538
-
1 349
-
pensions
1 633
-
4 092
-
income
6 696
-
29 234
-
other
34
-
87
-
total
8 901
-
34 762
-
Employer
34 729
-
105 246
-
pensions
8 195
-
20 546
-
other
278
-
697
-
unemployment
1 911
-
4 787
-
accident
688
-
1 724
-
total
11 072
-
27 754
-
Corporate
87 199
133 000
-
-
income

The general rate of corporate tax is 25%. The lower rate of 15% is introduced for newly formed companies which applies during the first two years of operation in which taxable profit is made. We use the lower rate in our model.

13 079
19 950
-
-
total
13 079
19 950
-
-
Dividends
74 119
113 050
-
-
withholding
15 352
24 005
-
-
total
15 352
24 005
-
-
Income
133 000
133 000
133 000
133 000
Total tax
48 404
43 955
62 516
58 001
After tax
84 596
89 045
70 484
74 999
Living cost
25 828
25 828
25 828
25 828
Free-cash
58 768
63 217
44 656
49 171

Estimated living cost  is ₽25828 per week

₽17434
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2483
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽453
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.
₽5459
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 Valencia model

Close
Istanbul , Turkey
₽80853
₽83403
₽81155
₽83534
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
-
-
-
133 000
health
-
-
-
972
income
-
-
-
45 317
pensions
-
-
-
1 340
total
-
-
-
47 629
Employee
2 798
-
131 492
-
unemployment
28
-
67
-
pensions
252
-
603
-
health
140
-
335
-
income
541
-
45 247
-
total
961
-
46 252
-
Employer
2 798
-
131 492
-
pensions
308
-
737
-
health
266
-
637
-
unemployment
56
-
134
-
total
630
-
1 508
-
Corporate
129 572
133 000
-
-
income
28 506
29 260
-
-
total
28 506
29 260
-
-
Dividends
101 066
103 740
-
-
withholding
20 213
20 748
-
-
total
20 213
20 748
-
-
Income
133 000
133 000
133 000
133 000
Total tax
50 310
50 008
47 760
47 629
After tax
82 690
82 992
85 240
85 371
Living cost
1 837
1 837
1 837
1 837
Free-cash
80 853
81 155
83 403
83 534

Estimated living cost  is ₽1837 per week

₽1092
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽149
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽42
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.
₽554
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 of data for Istanbul model

Close
Belgrade , Serbia
₽75236
₽61211
₽79856
₽61210
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

The minimum monthly earnings used to calculate the contributions are 35% of the national average gross wage for the previous three months.

The maximum monthly earnings used to calculate the contributions are five times the national average gross wage in the previous month.

-
-
-
133 000
health
-
-
-
7 146
income
-
-
-
29 328
pensions
-
-
-
18 039
unemployment
-
-
-
1 041
total
-
-
-
55 554
Employee

The minimum tax base for social security contributions are defined by the Law on Mandatory Social Insurance Contributions and is fixed at 35% of an average monthly salary published in Serbia. The maximum tax base for social security contributions is capped at five times the average monthly salary published by the official statistics in Serbia at the moment of salary payment.

The minimum monthly earnings used to calculate the contributions are 35% of the national average gross wage for the previous three months.

The maximum monthly earnings used to calculate the contributions are five times the national average gross wage in the previous month.

24 482
-
120 581
-
unemployment
184
-
520
-
pensions
3 428
-
9 713
-
health
1 261
-
3 573
-
income
3 375
-
29 328
-
total
8 248
-
43 134
-
Employer

The minimum tax base for social security contributions are defined by the Law on Mandatory Social Insurance Contributions and is fixed at 35% of an average monthly salary published in Serbia. The maximum tax base for social security contributions is capped at five times the average monthly salary published by the official statistics in Serbia at the moment of salary payment.

The minimum monthly earnings used to calculate the contributions are 35% of the national average gross wage for the previous three months.

The maximum monthly earnings used to calculate the contributions are five times the national average gross wage in the previous month.

24 482
-
120 581
-
pensions
2 938
-
8 326
-
health
1 261
-
3 573
-
unemployment
184
-
520
-
total
4 383
-
12 419
-
Corporate
104 135
133 000
-
-
income
15 620
19 950
-
-
total
15 620
19 950
-
-
Dividends
88 515
113 050
-
-
withholding
13 277
16 958
-
-
total
13 277
16 958
-
-
Income
133 000
133 000
133 000
133 000
Total tax
41 528
36 908
55 553
55 554
After tax
91 472
96 092
77 447
77 446
Living cost
16 236
16 236
16 236
16 236
Free-cash
75 236
79 856
61 211
61 210

Estimated living cost  is ₽16236 per week

₽10932
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1256
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽470
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.
₽3579
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 Belgrade model

Close
Porto , Portugal
₽49992
₽37904
₽50329
₽47016
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

Based on articles 30.º, 31.º and 151.º of CIRS, sole-trader can use 75% of income as a tax base when earnings are below €200,000 per annum.

-
-
-
133 000
social contributions

Social contributions in Portugal are calculated from the total income before any reductions apply.

-
-
-
46 217
income
-
-
-
14 446
surtax
-
-
-
-
total
-
-
-
60 663
Employee
36 454
-
107 474
-
social contributions
4 010
-
11 823
-
income
7 123
-
32 426
-
surtax
-
-
-
-
total
11 133
-
44 249
-
Employer
36 454
-
107 474
-
social contributions
8 657
-
25 526
-
total
8 657
-
25 526
-
Corporate
87 889
133 000
-
-
income
18 457
27 930
-
-
surtax
-
-
-
-
total
18 457
27 930
-
-
Dividends
69 432
105 070
-
-
withholding
19 440
29 420
-
-
total
19 440
29 420
-
-
Income
133 000
133 000
133 000
133 000
Total tax
57 687
57 350
69 775
60 663
After tax
75 313
75 650
63 225
72 337
Living cost
25 321
25 321
25 321
25 321
Free-cash
49 992
50 329
37 904
47 016

Estimated living cost  is ₽25321 per week

₽17934
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1759
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽449
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.
₽5180
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 Porto model

Close
Madrid , Spain
₽49353
₽37475
₽56036
₽41990
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
-
-
-
133 000
accident
-
-
-
784
income
-
-
-
31 884
pensions
-
-
-
24 636
other
-
-
-
87
unemployment
-
-
-
610
total
-
-
-
58 001
Employee
45 361
-
105 246
-
unemployment
702
-
1 349
-
pensions
2 132
-
4 092
-
income
9 474
-
29 234
-
other
45
-
87
-
total
12 353
-
34 762
-
Employer
45 361
-
105 246
-
pensions
10 705
-
20 546
-
other
364
-
697
-
unemployment
2 495
-
4 787
-
accident
898
-
1 724
-
total
14 462
-
27 754
-
Corporate
73 177
133 000
-
-
income

The general rate of corporate tax is 25%. The lower rate of 15% is introduced for newly formed companies which applies during the first two years of operation in which taxable profit is made. We use the lower rate in our model.

10 976
19 950
-
-
total
10 976
19 950
-
-
Dividends
62 201
113 050
-
-
withholding
12 847
24 005
-
-
total
12 847
24 005
-
-
Income
133 000
133 000
133 000
133 000
Total tax
50 638
43 955
62 516
58 001
After tax
82 362
89 045
70 484
74 999
Living cost
33 009
33 009
33 009
33 009
Free-cash
49 353
56 036
37 475
41 990

Estimated living cost  is ₽33009 per week

₽23706
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2567
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽465
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.
₽6272
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 Madrid model

Close
Sofia , Bulgaria
₽91858
₽93028
₽97576
₽88161
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
-
-
-
133 000
health
-
-
-
3 769
income
-
-
-
19 950
pensions

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

-
-
-
4 850
unemployment
-
-
-
131
total
-
-
-
28 700
Employee
21 371
-
126 570
-
accident

We are using the highest rate at 1.1%.

235
-
360
-
pensions

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

1 876
-
2 878
-
health
983
-
1 508
-
income
2 137
-
12 657
-
total
5 231
-
17 403
-
Employer
21 371
-
126 570
-
pensions

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

2 355
-
3 611
-
health
1 475
-
2 261
-
unemployment
128
-
197
-
accident

We are using the highest rate at 1.1%.

235
-
360
-
total
4 193
-
6 429
-
Corporate
107 436
133 000
-
-
income
10 744
13 300
-
-
total
10 744
13 300
-
-
Dividends
96 692
119 700
-
-
withholding
4 835
5 985
-
-
total
4 835
5 985
-
-
Income
133 000
133 000
133 000
133 000
Total tax
25 003
19 285
23 832
28 700
After tax
107 997
113 715
109 168
104 300
Living cost
16 140
16 140
16 140
16 140
Free-cash
91 858
97 576
93 028
88 161

Estimated living cost  is ₽16140 per week

₽10675
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽924
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽385
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.
₽4157
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

Close
Berlin , Germany
₽44526
₽50743
₽32239
₽37924
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

Pension contribution is not mandatory for self-employed except for writers, artists and musicians who should pay standard rates to Künstlersozialkasse.

-
-
-
133 000
health

Our model is based on the assumption that an owner of the company is either a director or registered self-employed, so all social security contributions are not mandatory.

However, you would need to purchase private health insurance. We took an average price of €3600 per annum per person.

-
-
-
6 417
trade
-
-
-
12 819
income

Personal income is calculated on a progressive scale(from 14% to 42%), and is fixed at 45%. The tax percentage is unique and will depend on your income.

-
-
-
37 514
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

-
-
-
2 064
total
-
-
-
58 814
Employee

Pension contribution is not mandatory for self-employed except for writers, artists and musicians who should pay standard rates to Künstlersozialkasse.

46 733
-
133 000
-
health

Our model is based on the assumption that an owner of the company is either a director or registered self-employed, so all social security contributions are not mandatory.

However, you would need to purchase private health insurance. We took an average price of €3600 per annum per person.

6 417
-
6 417
-
income

Personal income is calculated on a progressive scale(from 14% to 42%), and is fixed at 45%. The tax percentage is unique and will depend on your income.

3 843
-
37 514
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

212
-
2 064
-
total
10 472
-
45 995
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
86 267
133 000
-
-
income
12 940
19 950
-
-
chamber of commerce
269
337
-
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

711
1 098
-
-
trade
12 379
19 086
-
-
total
26 299
40 471
-
-
Dividends
59 968
92 529
-
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

806
1 253
-
-
withholding
14 635
22 775
-
-
total
15 441
24 028
-
-
Income
133 000
133 000
133 000
133 000
Total tax
52 212
64 499
45 995
58 814
After tax
80 788
68 501
87 005
74 186
Living cost
36 262
36 262
36 262
36 262
Free-cash
44 526
32 239
50 743
37 924

Estimated living cost  is ₽36262 per week

₽25014
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3902
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽526
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.
₽6819
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

Additional information

Nationals of Europe, Australia, Canada, Israel, Japan, the Republic of Korea, New Zealand and the USA do not require an entry type D visa (not to confuse with a Schengen visa or a visa-free entry). For other nationals, waiting time is around 6-9 months which includes document preparation and processing.

Source of data for Berlin model

Close
Dublin , Ireland
₽41671
₽20382
₽39599
₽20382
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
-
-
-
133 000
social contributions
-
-
-
21 439
income
-
-
-
37 676
total
-
-
-
59 115
Employee
73 470
-
133 000
-
social contributions
6 104
-
21 439
-
income
13 863
-
37 676
-
total
19 967
-
59 115
-
Employer
73 470
-
133 000
-
total
-
-
-
-
Corporate
59 530
133 000
-
-
income
7 441
16 624
-
-
total
7 441
16 624
-
-
Dividends
52 089
116 376
-
-
withholding
10 418
23 274
-
-
total
10 418
23 274
-
-
Income
133 000
133 000
133 000
133 000
Total tax
37 826
39 898
59 115
59 115
After tax
95 174
93 102
73 885
73 885
Living cost
53 503
53 503
53 503
53 503
Free-cash
41 671
39 599
20 382
20 382

Estimated living cost  is ₽53503 per week

₽40704
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4360
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽512
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.
₽7928
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

Additional information

To obtain permanent residence for non EEA/Swiss nationals, it is required to invest a huge amount - at least €1 million aggregate investment into a new or an existing Irish business, for a minimum of three years.

Source of data for Dublin model

Close
Sliema , Malta
₽50676
₽62449
₽47392
₽66374
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

We use The Residence Programme or The Global Residence Programme.

-
-
-
133 000
income
-
-
-
26 736
health

This is an average price for a private worldwide health insurance. The price will vary depending on your age and health condition.

-
-
-
5 795
total
-
-
-
32 531
Employee
43 087
-
128 679
-
social contributions
4 317
-
4 321
-
income
4 675
-
27 814
-
total
8 992
-
32 135
-
Employer
43 087
-
128 679
-
social contributions
4 317
-
4 321
-
total
4 317
-
4 321
-
Corporate
85 596
133 000
-
-
income
29 958
46 551
-
-
total
29 958
46 551
-
-
Dividends
55 638
86 449
-
-
social contributions
4 962
4 962
-
-
total
4 962
4 962
-
-
Income
133 000
133 000
133 000
133 000
Total tax
48 229
51 513
36 456
32 531
After tax
84 771
81 487
96 544
100 469
Living cost
34 095
34 095
34 095
34 095
Free-cash
50 676
47 392
62 449
66 374

Estimated living cost  is ₽34095 per week

₽22458
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2688
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽522
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.
₽8425
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 Sliema model

Close
Edinburgh , United Kingdom
₽60326
₽44030
₽56038
₽56228
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
-
-
-
133 000
income
-
-
-
34 943
pensions
-
-
-
7 690
total
-
-
-
42 633
Employee
46 861
-
116 451
-
pensions
3 577
-
9 672
-
health
611
-
1 800
-
income
8 534
-
26 810
-
total
12 722
-
38 282
-
Employer
46 861
-
116 451
-
pensions
4 734
-
14 337
-
health
891
-
2 212
-
total
5 625
-
16 549
-
Corporate
80 514
133 000
-
-
income

It is proposed for this rate to fall to 17% from the financial year starting on 1 April, 2020. Also, where the taxable profits can be attributed to the exploitation of patents, a lower rate of 10% applies.

15 298
25 269
-
-
total
15 298
25 269
-
-
Dividends
65 215
107 731
-
-
withholding
4 890
17 554
-
-
total
4 890
17 554
-
-
Income
133 000
133 000
133 000
133 000
Total tax
38 535
42 823
54 831
42 633
After tax
94 465
90 177
78 169
90 367
Living cost
34 139
34 139
34 139
34 139
Free-cash
60 326
56 038
44 030
56 228

Estimated living cost  is ₽34139 per week

₽23419
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3139
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽427
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.
₽7151
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

Additional information

The only visa which will gain you entry to the UK as a freelancer is Tier 1 (with an exception of EU nationals or long-term UK residence permit holders, up until Brexit). There are two Tier 1 visa pathways.

You can either apply for an Entrepreneur visa which requires an investment of at least £200000 and creating two full time jobs, or choose an Exceptional Talent visa, which has no financial requirements but is more difficult to obtain.

Source of data for Edinburgh model

Close
Warsaw , Poland
₽7292
₽48311
-₽11932
₽68340
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
-
-
-
133 000
accident
-
-
-
241
health
-
-
-
2 079
income
-
-
-
35 316
pensions
-
-
-
3 966
other
-
-
-
353
total
-
-
-
41 955
Employee
35 716
-
117 652
-
pensions
4 022
-
7 272
-
health
4 089
-
13 471
-
income
4 900
-
25 892
-
total
13 011
-
46 635
-
Employer
35 716
-
117 652
-
pensions
5 807
-
10 501
-
unemployment
875
-
2 883
-
accident
596
-
1 965
-
total
7 278
-
15 349
-
Corporate
90 005
133 000
-
-
income

From 1 January 2017, a lowered corporate income tax rate of 9% was introduced for so-called 'small taxpayers' - entities with turnover not exceeding the equivalent of €1.2 million and for taxpayers starting business activity, during their previous tax year.

81 004
119 700
-
-
total
81 004
119 700
-
-
Dividends
9 001
13 300
-
-
withholding
1 710
2 527
-
-
total
1 710
2 527
-
-
Income
133 000
133 000
133 000
133 000
Total tax
103 003
122 227
61 984
41 955
After tax
29 997
10 773
71 016
91 045
Living cost
22 705
22 705
22 705
22 705
Free-cash
7 292
-11 932
48 311
68 340

Estimated living cost  is ₽22705 per week

₽16663
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1323
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽457
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.
₽4262
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

Additional information

Poland permits registration as a sole-trader only for EU nationals or long-term EU resident permit holders. Other nationals should use a business incubator or set up a company and hire themselves as an employee.

Source of data for Warsaw model

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Skopje , Macedonia
₽94853
₽78247
₽99244
₽62309
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

Sole-trader should pay social contributions from a minimum of 50% of an average salary to a maximum of twelve average salaries. The minimum personal income for the first year should be at least 50% of an average salary.

-
-
-
133 000
income
-
-
-
21 440
health insurance
-
-
-
9 842
pensions
-
-
-
24 472
unemployment
-
-
-
1 596
work injury
-
-
-
665
total
-
-
-
58 015
Employee

Minimal social contribution is 50% of an average salary to a maximum of six average salaries.

20 282
-
133 000
-
unemployment
243
-
901
-
pensions
3 732
-
13 808
-
work injury
101
-
375
-
income
2 028
-
21 440
-
health insurance
1 501
-
5 553
-
total
7 605
-
42 077
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
112 718
133 000
-
-
income

Macedonia has a simplified tax regime. Before 3,000,000 MKD per annum you will be taxed at 0%, and before 6,000,000 MKD it is 1%.

1 127
1 330
-
-
total
1 127
1 330
-
-
Dividends
111 591
131 670
-
-
withholding
16 739
19 750
-
-
total
16 739
19 750
-
-
Income
133 000
133 000
133 000
133 000
Total tax
25 471
21 080
42 077
58 015
After tax
107 529
111 920
90 923
74 985
Living cost
12 676
12 676
12 676
12 676
Free-cash
94 853
99 244
78 247
62 309

Estimated living cost  is ₽12676 per week

₽7853
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽921
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽395
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.
₽3507
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 Skopje model

Close
Rome , Italy
₽28367
₽20405
₽32638
₽26470
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
-
-
-
133 000
social contributions
-
-
-
34 208
municipal
-
-
-
889
regional
-
-
-
3 011
national
-
-
-
31 005
total
-
-
-
69 113
Employee
79 146
-
133 000
-
regional
1 195
-
2 598
-
municipal
472
-
793
-
national
13 375
-
26 939
-
social contributions
26 688
-
44 848
-
total
41 730
-
75 178
-
Employer
79 146
-
133 000
-
total
-
-
-
-
Corporate
53 854
133 000
-
-
municipal
2 595
6 411
-
-
nationa
12 924
31 921
-
-
total
15 519
38 332
-
-
Dividends
38 334
94 668
-
-
withholding
9 967
24 613
-
-
total
9 967
24 613
-
-
Income
133 000
133 000
133 000
133 000
Total tax
67 216
62 945
75 178
69 113
After tax
65 784
70 055
57 822
63 887
Living cost
37 417
37 417
37 417
37 417
Free-cash
28 367
32 638
20 405
26 470

Estimated living cost  is ₽37417 per week

₽26283
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2574
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽565
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.
₽7994
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 Rome model

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