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
₽38696
₽58564
₽44492
₽49078
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
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.

-
-
-
37 521
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.

-
-
-
2 063
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.

-
-
-
6 414
trade
-
-
-
14 072
total
-
-
-
60 070
Employee

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

35 910
-
133 000
-
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
-
2 063
-
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
-
37 521
-
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.

6 414
-
6 414
-
total
7 472
-
45 998
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
97 090
133 000
-
-
income
14 564
19 950
-
-
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.

802
1 098
-
-
chamber of commerce
282
333
-
-
trade
15 292
20 947
-
-
total
30 940
42 328
-
-
Dividends
66 150
90 672
-
-
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.

891
1 228
-
-
withholding
16 181
22 310
-
-
total
17 072
23 538
-
-
Income
133 000
133 000
133 000
133 000
Total tax
55 484
65 866
45 998
60 070
After tax
77 516
67 134
87 002
72 930
Living cost
28 438
28 438
28 438
28 438
Free-cash
49 078
38 696
58 564
44 492

Estimated living cost  is ₽28438 per week

₽17888
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3316
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.
₽6703
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
₽33041
₽30288
₽29244
₽32211
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
-
-
-
14 283
national
-
-
-
22 132
pensions
-
-
-
15 960
total
-
-
-
53 805
Employee
77 434
-
114 977
-
municipal
9 564
-
14 798
-
pensions
3 097
-
4 599
-
national
14 821
-
22 930
-
total
27 482
-
42 327
-
Employer
77 434
-
114 977
-
pensions
6 195
-
9 198
-
social contributions
832
-
1 236
-
total
7 027
-
10 434
-
Corporate
43 429
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%.

8 686
26 600
-
-
total
8 686
26 600
-
-
Dividends
34 743
106 400
-
-
withholding
7 643
23 408
-
-
total
7 643
23 408
-
-
Income
133 000
133 000
133 000
133 000
Total tax
50 838
50 008
52 761
53 805
After tax
82 162
82 992
80 239
79 195
Living cost
49 951
49 951
49 951
49 951
Free-cash
32 211
33 041
30 288
29 244

Estimated living cost  is ₽49951 per week

₽33951
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4643
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽748
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.
₽10609
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
₽86866
₽54987
₽22333
₽79166
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
income
-
-
-
21 246
surtax
-
-
-
33 915
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.

-
-
-
35 973
microenterprise
-
-
-
-
total
-
-
-
91 134
Employee
27 434
-
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.

3 018
-
11 790
-
income
4 884
-
20 870
-
total
7 902
-
32 660
-
Employer
27 434
-
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.

6 608
-
25 820
-
surtax
-
-
-
-
total
6 608
-
25 820
-
Corporate
98 957
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%.

19 791
26 601
-
-
total
19 791
26 601
-
-
Dividends

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

79 166
106 399
-
-
total
-
-
-
-
Income
133 000
133 000
133 000
133 000
Total tax
34 301
26 601
58 480
91 134
After tax
98 699
106 399
74 520
41 866
Living cost
19 533
19 533
19 533
19 533
Free-cash
79 166
86 866
54 987
22 333

Estimated living cost  is ₽19533 per week

₽12461
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1860
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.
₽4768
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
₽26035
₽40251
₽36349
₽20283
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
-
-
-
34 743
health
-
-
-
11 577
pensions
-
-
-
11 000
total
-
-
-
57 320
Employee
80 176
80 176
115 552
-
pensions
14 432
11 000
11 000
-
income

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

13 124
13 124
13 393
-
health
12 306
10 467
11 577
-
total
39 862
34 591
35 970
-
Employer
80 176
80 176
115 552
-
health
5 573
5 573
6 925
-
pensions
5 580
5 580
6 936
-
unemployment
2 886
2 886
3 587
-
total
14 039
14 039
17 448
-
Corporate
39 767
38 784
-
-
income
7 954
7 758
-
-
total
7 954
7 758
-
-
Dividends
31 814
31 026
-
-
income
6 760
6 592
-
-
withholding
4 771
4 654
-
-
total
11 531
11 246
-
-
Income
133 000
133 000
133 000
133 000
Total tax
73 386
67 634
53 418
57 320
After tax
59 614
65 366
79 582
75 680
Living cost
39 331
39 331
39 331
39 331
Free-cash
20 283
26 035
40 251
36 349

Estimated living cost  is ₽39331 per week

₽27873
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3546
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽625
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.
₽7287
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
₽34855
₽31557
₽32574
₽34005
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
-
-
-
165
other
-
-
-
9 617
unemployment
-
-
-
83
health
-
-
-
5 164
municipal
-
-
-
32 511
national
-
-
-
6 176
pensions
-
-
-
8 947
total
-
-
-
62 663
Employee
53 808
-
106 996
-
municipal
16 046
-
31 906
-
national
-
-
5 770
-
total
16 046
-
37 676
-
Employer
53 808
-
106 996
-
health
3 309
-
5 090
-
pensions
5 817
-
8 947
-
accident
108
-
165
-
unemployment
1 421
-
2 185
-
other
6 253
-
9 617
-
total
16 908
-
26 004
-
Corporate
62 285
133 000
-
-
income
13 703
29 260
-
-
total
13 703
29 260
-
-
Dividends
48 582
103 740
-
-
withholding
14 575
31 122
-
-
total
14 575
31 122
-
-
Income
133 000
133 000
133 000
133 000
Total tax
61 232
60 382
63 680
62 663
After tax
71 768
72 618
69 320
70 337
Living cost
37 763
37 763
37 763
37 763
Free-cash
34 005
34 855
31 557
32 574

Estimated living cost  is ₽37763 per week

₽25028
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3706
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽573
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.
₽8456
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
₽29565
₽50119
₽35422
₽42759
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
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.

-
-
-
37 521
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.

-
-
-
2 063
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.

-
-
-
6 414
trade
-
-
-
14 697
total
-
-
-
60 695
Employee

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

47 612
-
133 000
-
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.

224
-
2 063
-
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.

4 091
-
37 521
-
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.

6 414
-
6 414
-
total
10 729
-
45 998
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
85 388
133 000
-
-
income
12 809
19 950
-
-
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
-
-
chamber of commerce
264
331
-
-
trade
14 047
21 879
-
-
total
27 824
43 258
-
-
Dividends
57 565
89 742
-
-
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.

771
1 215
-
-
withholding
14 034
22 079
-
-
total
14 805
23 294
-
-
Income
133 000
133 000
133 000
133 000
Total tax
53 358
66 552
45 998
60 695
After tax
79 642
66 448
87 002
72 305
Living cost
36 883
36 883
36 883
36 883
Free-cash
42 759
29 565
50 119
35 422

Estimated living cost  is ₽36883 per week

₽24668
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3889
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.
₽7775
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
₽66676
₽60815
₽62074
₽62784
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
-
-
-
21 890
social contributions
-
-
-
15 191
health
-
-
-
3 392
total
-
-
-
40 473
Employee
72 195
72 195
122 648
-
social contributions
3 508
5 992
8 082
-
income
7 581
6 683
21 213
-
health
718
1 228
2 085
-
total
11 807
13 903
31 380
-
Employer
72 195
72 195
122 648
-
health
782
1 336
2 270
-
social contributions
3 508
5 992
8 082
-
total
4 290
7 328
10 352
-
Corporate
86 450
53 477
-
-
income
10 806
6 685
-
-
total
10 806
6 685
-
-
Dividends
75 644
46 792
-
-
withholding
12 860
7 955
-
-
total
12 860
7 955
-
-
Income
133 000
133 000
133 000
133 000
Total tax
39 763
35 871
41 732
40 473
After tax
93 237
97 129
91 268
92 527
Living cost
30 453
30 453
30 453
30 453
Free-cash
62 784
66 676
60 815
62 074

Estimated living cost  is ₽30453 per week

₽20817
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.
₽511
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.
₽6746
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
₽57950
₽60277
₽75312
₽58301
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
-
-
-
16 259
unemployment
-
-
-
1 995
health
-
-
-
9 310
pensions
-
-
-
13 300
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.

24 286
9 665
111 297
-
unemployment
364
145
1 669
-
pensions
2 429
967
11 130
-
income
2 969
1 182
13 606
-
health
1 700
677
7 791
-
total
7 462
2 971
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.

24 286
9 665
111 297
-
pensions
4 736
1 885
21 703
-
total
4 736
1 885
21 703
-
Corporate
103 979
121 450
-
-
income
9 358
10 930
-
-
total
9 358
10 930
-
-
Dividends
94 621
110 519
-
-
social contributions
18 341
21 441
-
-
withholding
17 978
20 999
-
-
total
36 319
42 440
-
-
Income
133 000
133 000
133 000
133 000
Total tax
57 875
58 226
55 899
40 864
After tax
75 125
74 774
77 101
92 136
Living cost
16 824
16 824
16 824
16 824
Free-cash
58 301
57 950
60 277
75 312

Estimated living cost  is ₽16824 per week

₽11481
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1377
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽336
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.
₽3630
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
₽83722
₽53982
₽48610
₽77890
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
-
-
-
17 822
health
-
-
-
17 290
pensions
-
-
-
26 601
total
-
-
-
61 713
Employee
26 635
-
99 401
-
unemployment
426
-
1 591
-
pensions
533
-
1 988
-
income
2 999
-
19 164
-
total
3 958
-
22 743
-
Employer
26 635
-
99 401
-
health
3 462
-
12 923
-
pensions
5 327
-
19 880
-
unemployment
214
-
795
-
total
9 003
-
33 598
-
Corporate
97 363
133 000
-
-
income
19 472
26 601
-
-
total
19 472
26 601
-
-
Dividends
77 890
106 399
-
-
total
-
-
-
-
Income
133 000
133 000
133 000
133 000
Total tax
32 433
26 601
56 341
61 713
After tax
100 567
106 399
76 659
71 287
Living cost
22 677
22 677
22 677
22 677
Free-cash
77 890
83 722
53 982
48 610

Estimated living cost  is ₽22677 per week

₽15554
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.
₽5317
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
-₽10158
₽50097
₽70112
₽7561
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
-
-
-
240
income
-
-
-
35 330
other
-
-
-
353
health
-
-
-
2 075
pensions
-
-
-
3 959
total
-
-
-
41 957
Employee
32 926
-
117 670
-
pensions
3 708
-
7 259
-
income
4 517
-
25 910
-
health
3 770
-
13 473
-
total
11 995
-
46 642
-
Employer
32 926
-
117 670
-
pensions
5 354
-
10 482
-
accident
550
-
1 965
-
unemployment
807
-
2 883
-
total
6 711
-
15 330
-
Corporate
93 364
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.

84 028
119 700
-
-
total
84 028
119 700
-
-
Dividends
9 336
13 300
-
-
withholding
1 774
2 527
-
-
total
1 774
2 527
-
-
Income
133 000
133 000
133 000
133 000
Total tax
104 508
122 227
61 972
41 957
After tax
28 492
10 773
71 028
91 043
Living cost
20 931
20 931
20 931
20 931
Free-cash
7 561
-10 158
50 097
70 112

Estimated living cost  is ₽20931 per week

₽15341
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1160
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽437
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.
₽3994
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
₽118799
₽98849
₽124119
₽117384
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
9 438
-
133 000
-
income
1 887
-
26 600
-
total
1 887
-
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%.

123 562
133 000
-
-
total
-
-
-
-
Dividends
123 562
133 000
-
-
withholding
6 178
6 650
-
-
total
6 178
6 650
-
-
Income
133 000
133 000
133 000
133 000
Total tax
8 065
6 650
26 600
1 330
After tax
124 935
126 350
106 400
131 670
Living cost
7 551
7 551
7 551
7 551
Free-cash
117 384
118 799
98 849
124 119

Estimated living cost  is ₽7551 per week

₽4680
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽628
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽208
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.
₽2036
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
₽72698
₽51137
₽45637
₽66360
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
-
-
-
18 254
other
-
-
-
6 318
health
-
-
-
5 853
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.

-
-
-
31 921
total
-
-
-
62 346
Employee
34 090
-
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.

2 386
-
7 437
-
income
5 869
-
20 089
-
health
477
-
1 488
-
total
9 072
-
30 076
-
Employer
34 090
-
106 230
-
health
477
-
1 488
-
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.

5 796
-
18 059
-
accident
273
-
850
-
unemployment
340
-
1 062
-
other
1 705
-
5 311
-
total
8 591
-
26 770
-
Corporate
90 319
133 000
-
-
income
18 966
27 930
-
-
total
18 966
27 930
-
-
Dividends
71 353
105 070
-
-
withholding
4 994
7 355
-
-
total
4 994
7 355
-
-
Income
133 000
133 000
133 000
133 000
Total tax
41 623
35 285
56 846
62 346
After tax
91 377
97 715
76 154
70 654
Living cost
25 017
25 017
25 017
25 017
Free-cash
66 360
72 698
51 137
45 637

Estimated living cost  is ₽25017 per week

₽17676
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1689
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.
₽5249
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
₽27616
₽15452
₽27672
₽23715
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
-
-
-
34 515
pensions
-
-
-
7 817
total
-
-
-
42 332
Employee
89 130
-
116 487
-
pensions
8 599
-
9 854
-
income
16 067
-
26 368
-
health
1 469
-
1 818
-
total
26 135
-
38 040
-
Employer
89 130
-
116 487
-
health
1 693
-
2 213
-
pensions
10 524
-
14 299
-
total
12 217
-
16 512
-
Corporate
31 653
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.

6 014
25 269
-
-
total
6 014
25 269
-
-
Dividends
25 639
107 731
-
-
withholding
1 923
17 119
-
-
total
1 923
17 119
-
-
Income
133 000
133 000
133 000
133 000
Total tax
46 289
42 388
54 552
42 332
After tax
86 711
90 612
78 448
90 668
Living cost
62 996
62 996
62 996
62 996
Free-cash
23 715
27 616
15 452
27 672

Estimated living cost  is ₽62996 per week

₽47204
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽7402
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.
₽7879
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
₽101405
₽96849
₽91983
₽97045
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
-
-
-
19 950
unemployment
-
-
-
131
health
-
-
-
3 772
pensions

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

-
-
-
4 854
total
-
-
-
28 707
Employee
16 300
-
126 566
-
accident

We are using the highest rate at 1.1%.

179
-
361
-
pensions

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

1 431
-
2 880
-
income
1 630
-
12 656
-
health
750
-
1 509
-
total
3 990
-
17 406
-
Employer
16 300
-
126 566
-
health
1 125
-
2 263
-
pensions

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

1 796
-
3 614
-
accident

We are using the highest rate at 1.1%.

179
-
361
-
unemployment
97
-
197
-
total
3 197
-
6 435
-
Corporate
113 501
133 000
-
-
income
11 350
13 300
-
-
total
11 350
13 300
-
-
Dividends
102 151
119 700
-
-
withholding
5 108
5 985
-
-
total
5 108
5 985
-
-
Income
133 000
133 000
133 000
133 000
Total tax
23 645
19 285
23 841
28 707
After tax
109 355
113 715
109 159
104 293
Living cost
12 310
12 310
12 310
12 310
Free-cash
97 045
101 405
96 849
91 983

Estimated living cost  is ₽12310 per week

₽7187
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽879
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.
₽3918
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
₽13304
₽27520
₽23618
₽15665
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
-
-
-
34 743
health
-
-
-
11 577
pensions
-
-
-
11 000
total
-
-
-
57 320
Employee
87 046
80 176
115 552
-
pensions
11 000
11 000
11 000
-
income

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

13 124
13 124
13 393
-
health
10 859
10 467
11 577
-
total
34 983
34 591
35 970
-
Employer
87 046
80 176
115 552
-
health
6 049
5 573
6 925
-
pensions
6 058
5 580
6 936
-
unemployment
3 134
2 886
3 587
-
total
15 241
14 039
17 448
-
Corporate
30 713
38 784
-
-
income
6 143
7 758
-
-
total
6 143
7 758
-
-
Dividends
24 570
31 026
-
-
income
5 220
6 592
-
-
withholding
3 686
4 654
-
-
total
8 906
11 246
-
-
Income
133 000
133 000
133 000
133 000
Total tax
65 273
67 634
53 418
57 320
After tax
67 727
65 366
79 582
75 680
Living cost
52 062
52 062
52 062
52 062
Free-cash
15 665
13 304
27 520
23 618

Estimated living cost  is ₽52062 per week

₽38405
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4650
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.
₽8411
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
₽68581
₽44503
₽46679
₽60379
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
-
-
-
12 294
social contributions
-
-
-
33 082
solidarity contribution
-
-
-
-
health
-
-
-
17 955
total
-
-
-
63 331
Employee
33 809
-
99 254
-
solidarity contribution
-
-
-
-
social contributions
2 198
-
6 452
-
income
4 057
-
11 910
-
health
4 564
-
13 399
-
total
10 819
-
31 761
-
Employer
33 809
-
99 254
-
health
3 043
-
8 933
-
social contributions
8 452
-
24 813
-
total
11 495
-
33 746
-
Corporate
87 695
133 000
-
-
income
16 662
25 270
-
-
total
16 662
25 270
-
-
Dividends
71 033
107 730
-
-
withholding
10 655
16 159
-
-
total
10 655
16 159
-
-
Income
133 000
133 000
133 000
133 000
Total tax
49 631
41 429
65 507
63 331
After tax
83 369
91 571
67 493
69 669
Living cost
22 990
22 990
22 990
22 990
Free-cash
60 379
68 581
44 503
46 679

Estimated living cost  is ₽22990 per week

₽15969
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1636
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽452
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.
₽4933
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
₽31344
₽19537
₽25840
₽26441
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
-
-
-
34 207
regional
-
-
-
1 536
municipal
-
-
-
791
national
-
-
-
31 009
total
-
-
-
67 543
Employee
83 442
-
133 000
-
municipal
442
-
706
-
national
14 458
-
26 941
-
regional
787
-
1 352
-
social contributions
28 137
-
44 847
-
total
43 824
-
73 846
-
Employer
83 442
-
133 000
-
total
-
-
-
-
Corporate
49 558
133 000
-
-
municipal
1 933
5 187
-
-
nationa
11 895
31 919
-
-
total
13 828
37 106
-
-
Dividends
35 730
95 894
-
-
withholding
9 290
24 933
-
-
total
9 290
24 933
-
-
Income
133 000
133 000
133 000
133 000
Total tax
66 942
62 039
73 846
67 543
After tax
66 058
70 961
59 154
65 457
Living cost
39 617
39 617
39 617
39 617
Free-cash
26 441
31 344
19 537
25 840

Estimated living cost  is ₽39617 per week

₽27616
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2598
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.
₽8794
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
₽62940
₽39193
₽42394
₽60019
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
-
-
-
31 288
other
-
-
-
-
surtax
-
-
-
4 429
unemployment
-
-
-
214
health
-
-
-
8 896
pensions
-
-
-
25 061
total
-
-
-
69 888
Employee
31 048
-
109 872
-
other
-
-
-
-
unemployment
2 161
-
7 647
-
pensions
2 070
-
7 328
-
surtax
102
-
3 925
-
income
5 204
-
28 258
-
health
793
-
2 803
-
total
10 330
-
49 961
-
Employer
31 048
-
109 872
-
health
1 413
-
4 999
-
pensions
4 139
-
14 646
-
unemployment
983
-
3 483
-
other
-
-
-
-
total
6 535
-
23 128
-
Corporate
95 417
133 000
-
-
income
24 808
34 579
-
-
total
24 808
34 579
-
-
Dividends
70 608
98 421
-
-
withholding
10 590
14 763
-
-
total
10 590
14 763
-
-
Income
133 000
133 000
133 000
133 000
Total tax
52 263
49 342
73 089
69 888
After tax
80 737
83 658
59 911
63 112
Living cost
20 718
20 718
20 718
20 718
Free-cash
60 019
62 940
39 193
42 394

Estimated living cost  is ₽20718 per week

₽12668
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1912
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽477
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.
₽5660
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
₽47575
₽35411
₽47631
₽49202
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
-
-
-
34 515
pensions
-
-
-
7 817
total
-
-
-
42 332
Employee
59 733
-
116 487
-
pensions
5 070
-
9 854
-
income
10 758
-
26 368
-
health
867
-
1 818
-
total
16 695
-
38 040
-
Employer
59 733
-
116 487
-
health
1 135
-
2 213
-
pensions
6 466
-
14 299
-
total
7 601
-
16 512
-
Corporate
65 666
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.

12 476
25 269
-
-
total
12 476
25 269
-
-
Dividends
53 191
107 731
-
-
withholding
3 989
17 119
-
-
total
3 989
17 119
-
-
Income
133 000
133 000
133 000
133 000
Total tax
40 761
42 388
54 552
42 332
After tax
92 239
90 612
78 448
90 668
Living cost
43 037
43 037
43 037
43 037
Free-cash
49 202
47 575
35 411
47 631

Estimated living cost  is ₽43037 per week

₽32243
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3226
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽450
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.
₽7117
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
-₽13462
₽28519
₽34982
₽18317
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
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.

-
-
-
2 659
regional
-
-
-
5 658
health
-
-
-
300
city
-
-
-
1 402
national
-
-
-
1 483
pensions
-
-
-
12 236
total
-
-
-
23 738
Employee
86 926
-
119 043
-
unemployment
-
-
-
-
pensions
7 303
-
10 001
-
national
411
-
1 176
-
regional
2 846
-
4 830
-
city
933
-
1 278
-
health
197
-
267
-
total
11 690
-
17 552
-
Employer
86 926
-
119 043
-
health
197
-
267
-
pensions
7 303
-
10 001
-
unemployment
-
-
-
-
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.

1 738
-
2 381
-
total
9 238
-
12 649
-
Corporate
35 880
133 000
-
-
regional
7 589
28 130
-
-
national
3 051
11 305
-
-
total
10 640
39 435
-
-
Dividends
25 241
93 564
-
-
withholding
8 835
32 747
-
-
total
8 835
32 747
-
-
Income
133 000
133 000
133 000
133 000
Total tax
40 403
72 182
30 201
23 738
After tax
92 597
60 818
102 799
109 262
Living cost
74 280
74 280
74 280
74 280
Free-cash
18 317
-13 462
28 519
34 982

Estimated living cost  is ₽74280 per week

₽48303
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6666
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽912
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.
₽18399
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
₽22754
₽43991
₽28668
₽37980
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
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.

-
-
-
37 521
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.

-
-
-
2 063
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.

-
-
-
6 414
trade
-
-
-
15 323
total
-
-
-
61 321
Employee

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

56 425
-
133 000
-
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
-
2 063
-
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.

6 635
-
37 521
-
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.

6 414
-
6 414
-
total
13 414
-
45 998
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
76 575
133 000
-
-
income
11 487
19 950
-
-
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.

633
1 098
-
-
chamber of commerce
249
330
-
-
trade
13 133
22 809
-
-
total
25 502
44 187
-
-
Dividends
51 074
88 814
-
-
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.

682
1 201
-
-
withholding
12 411
21 847
-
-
total
13 093
23 048
-
-
Income
133 000
133 000
133 000
133 000
Total tax
52 009
67 235
45 998
61 321
After tax
80 991
65 765
87 002
71 679
Living cost
43 010
43 010
43 010
43 010
Free-cash
37 980
22 754
43 991
28 668

Estimated living cost  is ₽43010 per week

₽31413
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3440
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽559
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.
₽7599
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
₽34909
₽44593
₽43349
₽40456
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
-
-
-
18 200
other
-
-
-
4 123
surtax
-
-
-
-
social contributions
-
-
-
3 790
health
-
-
-
4 615
pensions
-
-
-
26 801
total
-
-
-
57 529
Employee
40 183
-
104 865
-
pensions
4 543
-
6 489
-
surtax
-
-
-
-
social contributions
1 146
-
2 988
-
income
2 371
-
18 672
-
total
8 060
-
28 149
-
Employer
40 183
-
104 865
-
health
2 813
-
8 755
-
pensions
6 601
-
11 069
-
unemployment
1 627
-
4 248
-
social contributions
121
-
315
-
other
1 386
-
3 749
-
total
12 548
-
28 136
-
Corporate
80 269
133 000
-
-
income
22 476
37 239
-
-
surtax
-
-
-
-
total
22 476
37 239
-
-
Dividends
57 793
95 761
-
-
surtax
-
-
-
-
social contributions
9 940
16 472
-
-
withholding
7 398
12 258
-
-
total
17 338
28 730
-
-
Income
133 000
133 000
133 000
133 000
Total tax
60 422
65 969
56 285
57 529
After tax
72 578
67 031
76 715
75 471
Living cost
32 122
32 122
32 122
32 122
Free-cash
40 456
34 909
44 593
43 349

Estimated living cost  is ₽32122 per week

₽20254
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2612
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.
₽8711
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
₽38091
₽47775
₽46531
₽43308
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
-
-
-
18 200
other
-
-
-
4 123
surtax
-
-
-
-
social contributions
-
-
-
3 790
health
-
-
-
4 615
pensions
-
-
-
26 801
total
-
-
-
57 529
Employee
35 869
-
104 865
-
pensions
4 057
-
6 489
-
surtax
-
-
-
-
social contributions
1 023
-
2 988
-
income
1 849
-
18 672
-
total
6 929
-
28 149
-
Employer
35 869
-
104 865
-
health
2 510
-
8 755
-
pensions
5 894
-
11 069
-
unemployment
1 452
-
4 248
-
social contributions
107
-
315
-
other
1 238
-
3 749
-
total
11 201
-
28 136
-
Corporate
85 930
133 000
-
-
income
24 060
37 239
-
-
surtax
-
-
-
-
total
24 060
37 239
-
-
Dividends
61 870
95 761
-
-
surtax
-
-
-
-
social contributions
10 642
16 472
-
-
withholding
7 920
12 258
-
-
total
18 562
28 730
-
-
Income
133 000
133 000
133 000
133 000
Total tax
60 752
65 969
56 285
57 529
After tax
72 248
67 031
76 715
75 471
Living cost
28 940
28 940
28 940
28 940
Free-cash
43 308
38 091
47 775
46 531

Estimated living cost  is ₽28940 per week

₽16784
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2940
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.
₽8668
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
₽61235
₽63713
₽65505
₽61721
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
-
-
-
19 950
social contributions
-
-
-
18 353
health
-
-
-
9 283
total
-
-
-
47 586
Employee
31 834
-
133 000
-
social contributions
4 394
-
18 353
-
income
5 309
-
21 742
-
health
2 222
-
9 283
-
total
11 925
-
49 378
-
Employer
31 834
-
133 000
-
total
-
-
-
-
Corporate
101 166
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
6 649
-
-
total
5 058
6 649
-
-
Dividends
96 108
126 351
-
-
social contributions
13 263
17 436
-
-
withholding
14 416
18 952
-
-
health
6 708
8 819
-
-
total
34 387
45 207
-
-
Income
133 000
133 000
133 000
133 000
Total tax
51 370
51 856
49 378
47 586
After tax
81 630
81 144
83 622
85 414
Living cost
19 909
19 909
19 909
19 909
Free-cash
61 721
61 235
63 713
65 505

Estimated living cost  is ₽19909 per week

₽13324
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.
₽4898
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
₽40816
₽2241
₽34590
₽39360
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
-
-
-
30 170
surtax
-
-
-
185
unemployment
-
-
-
5 758
chamber of commerce
-
-
-
533
health
-
-
-
8 390
pensions
-
-
-
20 292
total
-
-
-
65 328
Employee
46 921
37 416
103 128
-
other
469
374
1 032
-
unemployment
1 408
1 122
3 093
-
pensions
4 805
3 831
10 560
-
income
5 342
2 760
24 245
-
health
1 816
1 449
3 991
-
total
13 840
9 536
42 921
-
Employer
46 921
37 416
103 128
-
chamber of commerce
187
150
413
-
health
1 773
1 415
3 898
-
pensions
5 889
4 697
12 942
-
accident
609
486
1 340
-
unemployment
1 408
1 122
3 093
-
surtax
185
185
185
-
payroll
1 408
1 122
3 093
-
other
2 229
1 776
4 898
-
total
13 688
10 953
29 862
-
Corporate
72 392
84 630
99 574
-
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.

18 099
21 158
24 894
-
total
18 099
21 158
24 894
-
Dividends
54 294
63 473
-
-
withholding
14 931
17 455
-
-
total
14 931
17 455
-
-
Income
133 000
133 000
133 000
133 000
Total tax
60 558
59 102
97 677
65 328
After tax
72 442
73 898
35 323
67 672
Living cost
33 082
33 082
33 082
33 082
Free-cash
39 360
40 816
2 241
34 590

Estimated living cost  is ₽33082 per week

₽22065
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2822
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽543
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.
₽7652
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
₽40215
₽14399
₽24326
₽26136
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
communal

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

-
-
-
6 726
social contributions
-
-
-
20 894
national
-
-
-
46 821
total
-
-
-
74 441
Employee

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

67 159
-
103 014
-
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.

584
-
896
-
communal

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

3 503
-
5 374
-
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.

5 037
-
7 725
-
national
20 647
-
35 543
-
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.

3 155
-
4 843
-
total
32 926
-
54 381
-
Employer

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

67 159
-
103 014
-
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.

4 130
-
6 336
-
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.

5 951
-
9 128
-
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
-
1 338
-
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
-
surtax
7 615
-
11 681
-
total
19 549
-
29 987
-
Corporate
46 293
133 000
-
-
income
9 258
26 601
-
-
surtax
185
533
-
-
total
9 443
27 134
-
-
Dividends
36 850
105 867
-
-
withholding

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

10 713
31 418
-
-
total
10 713
31 418
-
-
Income
133 000
133 000
133 000
133 000
Total tax
72 631
58 552
84 368
74 441
After tax
60 369
74 448
48 632
58 559
Living cost
34 233
34 233
34 233
34 233
Free-cash
26 136
40 215
14 399
24 326

Estimated living cost  is ₽34233 per week

₽22050
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2993
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.
₽8654
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
₽55136
₽36580
₽41094
₽48138
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
-
-
-
31 892
other
-
-
-
87
unemployment
-
-
-
609
pensions
-
-
-
24 627
total
-
-
-
57 999
Employee
46 735
-
105 257
-
other
46
-
87
-
unemployment
725
-
1 349
-
pensions
2 197
-
4 091
-
income
9 861
-
29 242
-
total
12 829
-
34 769
-
Employer
46 735
-
105 257
-
pensions
11 029
-
20 538
-
accident
925
-
1 723
-
unemployment
2 571
-
4 786
-
other
372
-
697
-
total
14 897
-
27 744
-
Corporate
71 368
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.

10 704
19 950
-
-
total
10 704
19 950
-
-
Dividends
60 664
113 050
-
-
withholding
12 525
24 007
-
-
total
12 525
24 007
-
-
Income
133 000
133 000
133 000
133 000
Total tax
50 955
43 957
62 513
57 999
After tax
82 045
89 043
70 487
75 001
Living cost
33 907
33 907
33 907
33 907
Free-cash
48 138
55 136
36 580
41 094

Estimated living cost  is ₽33907 per week

₽24969
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2405
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.
₽6044
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
₽28472
₽23660
₽18359
₽18242
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
communal
-
-
-
8 406
accident
-
-
-
1 121
income
-
-
-
18 217
surtax
-
-
-
6 594
health
-
-
-
9 345
pensions
-
-
-
19 935
total
-
-
-
63 618
Employee
71 101
-
118 803
-
pensions
5 687
-
9 504
-
surtax
4 358
-
7 280
-
income
6 868
-
22 048
-
health
3 164
-
5 288
-
total
20 077
-
44 120
-
Employer
71 101
-
118 803
-
health
2 168
-
3 624
-
pensions
5 687
-
9 504
-
accident
640
-
1 069
-
total
8 495
-
14 197
-
Corporate
53 404
133 000
-
-
communal
3 604
8 978
-
-
income
8 011
19 950
-
-
surtax
561
1 397
-
-
total
12 176
30 325
-
-
Dividends
41 228
102 675
-
-
income
16 803
7 779
-
-
withholding
6 184
15 401
-
-
total
22 987
23 180
-
-
Income
133 000
133 000
133 000
133 000
Total tax
63 735
53 505
58 317
63 618
After tax
69 265
79 495
74 683
69 382
Living cost
51 023
51 023
51 023
51 023
Free-cash
18 242
28 472
23 660
18 359

Estimated living cost  is ₽51023 per week

₽38274
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3091
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.
₽9115
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
₽62570
₽38823
₽42024
₽59583
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
-
-
-
31 288
other
-
-
-
-
surtax
-
-
-
4 429
unemployment
-
-
-
214
health
-
-
-
8 896
pensions
-
-
-
25 061
total
-
-
-
69 888
Employee
31 618
-
109 872
-
other
-
-
-
-
unemployment
2 200
-
7 647
-
pensions
2 110
-
7 328
-
surtax
112
-
3 925
-
income
5 301
-
28 258
-
health
807
-
2 803
-
total
10 530
-
49 961
-
Employer
31 618
-
109 872
-
health
1 438
-
4 999
-
pensions
4 216
-
14 646
-
unemployment
1 003
-
3 483
-
other
-
-
-
-
total
6 657
-
23 128
-
Corporate
94 725
133 000
-
-
income
24 628
34 579
-
-
total
24 628
34 579
-
-
Dividends
70 097
98 421
-
-
withholding
10 514
14 763
-
-
total
10 514
14 763
-
-
Income
133 000
133 000
133 000
133 000
Total tax
52 329
49 342
73 089
69 888
After tax
80 671
83 658
59 911
63 112
Living cost
21 088
21 088
21 088
21 088
Free-cash
59 583
62 570
38 823
42 024

Estimated living cost  is ₽21088 per week

₽12732
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1833
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.
₽6035
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
₽44617
₽33425
₽39697
₽42532
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
-
-
-
34 207
regional
-
-
-
2 005
municipal
-
-
-
791
national
-
-
-
31 009
total
-
-
-
68 012
Employee
52 081
-
133 000
-
municipal
276
-
706
-
national
8 251
-
26 941
-
regional
701
-
1 790
-
social contributions
17 562
-
44 847
-
total
26 790
-
74 284
-
Employer
52 081
-
133 000
-
total
-
-
-
-
Corporate
80 919
133 000
-
-
municipal
4 021
6 610
-
-
nationa
19 421
31 919
-
-
total
23 442
38 529
-
-
Dividends
57 477
94 471
-
-
withholding
14 945
24 563
-
-
total
14 945
24 563
-
-
Income
133 000
133 000
133 000
133 000
Total tax
65 177
63 092
74 284
68 012
After tax
67 823
69 908
58 716
64 988
Living cost
25 291
25 291
25 291
25 291
Free-cash
42 532
44 617
33 425
39 697

Estimated living cost  is ₽25291 per week

₽15729
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2562
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.
₽6567
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
₽63241
₽39163
₽41339
₽53133
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
-
-
-
12 294
social contributions
-
-
-
33 082
solidarity contribution
-
-
-
-
health
-
-
-
17 955
total
-
-
-
63 331
Employee
41 662
-
99 254
-
solidarity contribution
-
-
-
-
social contributions
2 708
-
6 452
-
income
4 999
-
11 910
-
health
5 624
-
13 399
-
total
13 331
-
31 761
-
Employer
41 662
-
99 254
-
health
3 750
-
8 933
-
social contributions
10 416
-
24 813
-
total
14 166
-
33 746
-
Corporate
77 173
133 000
-
-
income
14 663
25 270
-
-
total
14 663
25 270
-
-
Dividends
62 510
107 730
-
-
withholding
9 377
16 159
-
-
total
9 377
16 159
-
-
Income
133 000
133 000
133 000
133 000
Total tax
51 537
41 429
65 507
63 331
After tax
81 463
91 571
67 493
69 669
Living cost
28 330
28 330
28 330
28 330
Free-cash
53 133
63 241
39 163
41 339

Estimated living cost  is ₽28330 per week

₽21068
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1569
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.
₽5203
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
₽44045
₽5399
₽37903
₽43580
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
-
-
-
30 170
surtax
-
-
-
-
unemployment
-
-
-
5 758
chamber of commerce
-
-
-
533
health
-
-
-
8 390
pensions
-
-
-
20 292
total
-
-
-
65 143
Employee
41 041
37 416
103 274
-
other
410
374
1 033
-
unemployment
1 231
1 122
3 098
-
pensions
4 203
3 831
10 574
-
income
3 656
2 760
24 295
-
health
1 587
1 449
3 996
-
total
11 087
9 536
42 996
-
Employer
41 041
37 416
103 274
-
chamber of commerce
164
150
413
-
health
1 552
1 415
3 904
-
pensions
5 151
4 697
12 960
-
accident
533
486
1 343
-
unemployment
1 231
1 122
3 098
-
surtax
-
-
-
-
payroll
1 231
1 122
3 098
-
other
1 949
1 776
4 907
-
total
11 811
10 768
29 723
-
Corporate
80 148
84 816
99 713
-
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.

20 037
21 204
24 928
-
total
20 037
21 204
24 928
-
Dividends
60 111
63 612
-
-
withholding
16 531
17 493
-
-
total
16 531
17 493
-
-
Income
133 000
133 000
133 000
133 000
Total tax
59 466
59 001
97 647
65 143
After tax
73 534
73 999
35 353
67 857
Living cost
29 954
29 954
29 954
29 954
Free-cash
43 580
44 045
5 399
37 903

Estimated living cost  is ₽29954 per week

₽17968
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3059
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.
₽8392
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
₽114583
₽94633
₽119903
₽112377
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
14 709
-
133 000
-
income
2 942
-
26 600
-
total
2 942
-
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%.

118 291
133 000
-
-
total
-
-
-
-
Dividends
118 291
133 000
-
-
withholding
5 914
6 650
-
-
total
5 914
6 650
-
-
Income
133 000
133 000
133 000
133 000
Total tax
8 856
6 650
26 600
1 330
After tax
124 144
126 350
106 400
131 670
Living cost
11 767
11 767
11 767
11 767
Free-cash
112 377
114 583
94 633
119 903

Estimated living cost  is ₽11767 per week

₽7963
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽494
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.
₽2915
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
₽66387
₽37896
₽41416
₽58535
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
income
-
-
-
28 824
unemployment
-
-
-
200
health
-
-
-
13 087
pensions
-
-
-
24 290
total
-
-
-
66 401
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.

41 517
-
115 081
-
unemployment
59
-
160
-
pensions
6 435
-
17 838
-
income
7 160
-
26 570
-
health
2 681
-
7 435
-
total
16 335
-
52 003
-
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.

41 517
-
115 081
-
health
2 765
-
7 665
-
pensions
3 674
-
10 184
-
unemployment
25
-
69
-
total
6 464
-
17 918
-
Corporate
85 019
133 000
-
-
income
16 153
25 270
-
-
total
16 153
25 270
-
-
Dividends
68 866
107 730
-
-
withholding
10 330
16 160
-
-
total
10 330
16 160
-
-
Income
133 000
133 000
133 000
133 000
Total tax
49 282
41 430
69 921
66 401
After tax
83 718
91 570
63 079
66 599
Living cost
25 183
25 183
25 183
25 183
Free-cash
58 535
66 387
37 896
41 416

Estimated living cost  is ₽25183 per week

₽17282
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1614
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.
₽5799
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
₽40816
₽80673
₽51813
-₽5573
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
-
-
-
25 924
social contributions
-
-
-
15 162
total
-
-
-
41 086
Employee
57 499
-
-
-
social contributions
4 715
-
672
-
income
12 683
-
-
-
total
17 398
-
672
-
Employer
57 499
-
-
-
social contributions
81 074
-
11 554
-
total
81 074
-
11 554
-
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
98 472
52 083
12 226
41 086
After tax
34 528
80 917
120 774
91 914
Living cost
40 101
40 101
40 101
40 101
Free-cash
-5 573
40 816
80 673
51 813

Estimated living cost  is ₽40101 per week

₽26019
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3772
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽511
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.
₽9799
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
₽46201
₽33772
₽42886
₽45254
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
income
-
-
-
14 447
surtax
-
-
-
-
social contributions

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

-
-
-
46 217
total
-
-
-
60 664
Employee
43 181
-
107 475
-
surtax
-
-
-
-
social contributions
4 750
-
11 822
-
income
8 982
-
32 431
-
total
13 732
-
44 253
-
Employer
43 181
-
107 475
-
social contributions
10 255
-
25 525
-
total
10 255
-
25 525
-
Corporate
79 563
133 000
-
-
income
16 709
27 930
-
-
surtax
-
-
-
-
total
16 709
27 930
-
-
Dividends
62 855
105 070
-
-
withholding
17 600
29 419
-
-
total
17 600
29 419
-
-
Income
133 000
133 000
133 000
133 000
Total tax
58 296
57 349
69 778
60 664
After tax
74 704
75 651
63 222
72 336
Living cost
29 450
29 450
29 450
29 450
Free-cash
45 254
46 201
33 772
42 886

Estimated living cost  is ₽29450 per week

₽22034
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1737
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.
₽5187
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
₽21684
₽31368
₽30124
₽28137
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
-
-
-
18 200
other
-
-
-
4 123
surtax
-
-
-
-
social contributions
-
-
-
3 790
health
-
-
-
4 615
pensions
-
-
-
26 801
total
-
-
-
57 529
Employee
58 804
-
104 865
-
pensions
6 651
-
6 489
-
surtax
-
-
-
-
social contributions
1 675
-
2 988
-
income
5 131
-
18 672
-
total
13 457
-
28 149
-
Employer
58 804
-
104 865
-
health
4 116
-
8 755
-
pensions
9 662
-
11 069
-
unemployment
2 382
-
4 248
-
social contributions
176
-
315
-
other
2 029
-
3 749
-
total
18 365
-
28 136
-
Corporate
55 830
133 000
-
-
income
15 633
37 239
-
-
surtax
-
-
-
-
total
15 633
37 239
-
-
Dividends
40 198
95 761
-
-
surtax
-
-
-
-
social contributions
6 915
16 472
-
-
withholding
5 146
12 258
-
-
total
12 061
28 730
-
-
Income
133 000
133 000
133 000
133 000
Total tax
59 516
65 969
56 285
57 529
After tax
73 484
67 031
76 715
75 471
Living cost
45 347
45 347
45 347
45 347
Free-cash
28 137
21 684
31 368
30 124

Estimated living cost  is ₽45347 per week

₽30690
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3709
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.
₽10325
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
₽91478
₽74379
₽70845
₽88323
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
-
-
-
4 672
social contributions
-
-
-
29 261
total
-
-
-
33 933
Employee
30 184
-
115 151
-
income
-
-
5 065
-
social contributions
1 962
-
7 485
-
total
1 962
-
12 550
-
Employer
30 184
-
115 151
-
social contributions
4 679
-
17 849
-
total
4 679
-
17 849
-
Corporate
98 137
133 000
-
-
income
9 814
13 300
-
-
total
9 814
13 300
-
-
Dividends
88 324
119 700
-
-
total
-
-
-
-
Income
133 000
133 000
133 000
133 000
Total tax
16 455
13 300
30 399
33 933
After tax
116 545
119 700
102 601
99 067
Living cost
28 222
28 222
28 222
28 222
Free-cash
88 323
91 478
74 379
70 845

Estimated living cost  is ₽28222 per week

₽18248
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2127
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.
₽7316
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
-₽71558
-₽71558
₽35095
-₽71558
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
labour market
-
-
-
10 575
municipal
-
-
-
26 743
national
-
-
-
14 557
pensions
-
-
-
814
total
-
-
-
52 689
Employee
190 844
190 844
190 844
-
municipal
40 639
40 639
40 639
-
labour market
15 246
15 246
15 246
-
pensions
271
271
271
-
national
23 315
23 315
23 315
-
total
79 471
79 471
79 471
-
Employer
190 844
190 844
190 844
-
national
23 356
23 356
23 356
-
labour market
15 268
15 268
15 268
-
pensions
543
543
543
-
municipal
40 704
40 704
40 704
-
total
79 871
79 871
79 871
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
133 000
133 000
133 000
133 000
Total tax
159 342
159 342
159 342
52 689
After tax
-26 342
-26 342
-26 342
80 311
Living cost
45 216
45 216
45 216
45 216
Free-cash
-71 558
-71 558
-71 558
35 095

Estimated living cost  is ₽45216 per week

₽30946
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4000
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.
₽9574
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
-₽9849
₽50406
₽70421
₽7610
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
-
-
-
240
income
-
-
-
35 330
other
-
-
-
353
health
-
-
-
2 075
pensions
-
-
-
3 959
total
-
-
-
41 957
Employee
32 441
-
117 670
-
pensions
3 653
-
7 259
-
income
4 450
-
25 910
-
health
3 715
-
13 473
-
total
11 818
-
46 642
-
Employer
32 441
-
117 670
-
pensions
5 275
-
10 482
-
accident
542
-
1 965
-
unemployment
795
-
2 883
-
total
6 612
-
15 330
-
Corporate
93 948
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.

84 553
119 700
-
-
total
84 553
119 700
-
-
Dividends
9 395
13 300
-
-
withholding
1 785
2 527
-
-
total
1 785
2 527
-
-
Income
133 000
133 000
133 000
133 000
Total tax
104 768
122 227
61 972
41 957
After tax
28 232
10 773
71 028
91 043
Living cost
20 622
20 622
20 622
20 622
Free-cash
7 610
-9 849
50 406
70 421

Estimated living cost  is ₽20622 per week

₽15011
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1176
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽387
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.
₽4049
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
₽49305
₽35782
₽54019
₽50608
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
-
-
-
1 657
municipal
-
-
-
23 641
national
-
-
-
17 637
total
-
-
-
42 935
Employee
49 396
-
111 887
-
municipal
8 091
-
18 239
-
unemployment
741
-
1 678
-
pensions
3 334
-
7 553
-
national
816
-
11 258
-
health
369
-
1 331
-
total
13 351
-
40 059
-
Employer
49 396
-
111 887
-
health
380
-
862
-
pensions
8 570
-
19 412
-
accident
50
-
112
-
unemployment
321
-
727
-
total
9 321
-
21 113
-
Corporate
74 284
133 000
-
-
income
14 858
26 601
-
-
total
14 858
26 601
-
-
Dividends

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

44 569
79 799
-
-
municipal
8 023
14 364
-
-
national
793
6 684
-
-
total
8 816
21 048
-
-
Income
133 000
133 000
133 000
133 000
Total tax
46 346
47 649
61 172
42 935
After tax
86 654
85 351
71 828
90 065
Living cost
36 046
36 046
36 046
36 046
Free-cash
50 608
49 305
35 782
54 019

Estimated living cost  is ₽36046 per week

₽23545
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3467
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.
₽8461
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
₽75391
₽69530
₽70789
₽70282
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
-
-
-
21 890
social contributions
-
-
-
15 191
health
-
-
-
3 392
total
-
-
-
40 473
Employee
72 195
72 195
122 648
-
social contributions
2 730
5 992
8 082
-
income
7 861
6 683
21 213
-
health
559
1 228
2 085
-
total
11 150
13 903
31 380
-
Employer
72 195
72 195
122 648
-
health
608
1 336
2 270
-
social contributions
2 730
5 992
8 082
-
total
3 338
7 328
10 352
-
Corporate
96 775
53 477
-
-
income
12 098
6 685
-
-
total
12 098
6 685
-
-
Dividends
84 678
46 792
-
-
withholding
14 394
7 955
-
-
total
14 394
7 955
-
-
Income
133 000
133 000
133 000
133 000
Total tax
40 980
35 871
41 732
40 473
After tax
92 020
97 129
91 268
92 527
Living cost
21 738
21 738
21 738
21 738
Free-cash
70 282
75 391
69 530
70 789

Estimated living cost  is ₽21738 per week

₽13028
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2133
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.
₽6097
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
₽95231
₽76601
₽95431
₽90454
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
income
-
-
-
13 265
unemployment
-
-
-
27
health
-
-
-
3 398
pensions
-
-
-
5 972
total
-
-
-
22 662
Employee

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

21 550
-
123 824
-
unemployment
107
-
445
-
pensions
3 232
-
13 363
-
income
1 473
-
10 936
-
health
1 832
-
7 572
-
total
6 644
-
32 316
-
Employer

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

21 550
-
123 824
-
health
926
-
3 831
-
pensions
1 185
-
4 900
-
unemployment
107
-
445
-
total
2 218
-
9 176
-
Corporate
109 231
133 000
-
-
income
9 831
11 969
-
-
total
9 831
11 969
-
-
Dividends
99 400
121 031
-
-
withholding
8 946
10 893
-
-
total
8 946
10 893
-
-
Income
133 000
133 000
133 000
133 000
Total tax
27 639
22 862
41 492
22 662
After tax
105 361
110 138
91 508
110 338
Living cost
14 907
14 907
14 907
14 907
Free-cash
90 454
95 231
76 601
95 431

Estimated living cost  is ₽14907 per week

₽9511
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1074
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.
₽3877
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
₽63225
₽44669
₽49183
₽58779
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
-
-
-
31 892
other
-
-
-
87
unemployment
-
-
-
609
pensions
-
-
-
24 627
total
-
-
-
57 999
Employee
34 716
-
105 257
-
other
34
-
87
-
unemployment
538
-
1 349
-
pensions
1 632
-
4 091
-
income
6 693
-
29 242
-
total
8 897
-
34 769
-
Employer
34 716
-
105 257
-
pensions
8 192
-
20 538
-
accident
688
-
1 723
-
unemployment
1 910
-
4 786
-
other
278
-
697
-
total
11 068
-
27 744
-
Corporate
87 216
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.

13 083
19 950
-
-
total
13 083
19 950
-
-
Dividends
74 133
113 050
-
-
withholding
15 355
24 007
-
-
total
15 355
24 007
-
-
Income
133 000
133 000
133 000
133 000
Total tax
48 403
43 957
62 513
57 999
After tax
84 597
89 043
70 487
75 001
Living cost
25 818
25 818
25 818
25 818
Free-cash
58 779
63 225
44 669
49 183

Estimated living cost  is ₽25818 per week

₽17427
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2482
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.
₽5457
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
₽81095
₽83305
₽83439
₽80783
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
-
-
-
45 277
health
-
-
-
1 003
pensions
-
-
-
1 384
total
-
-
-
47 664
Employee
2 889
-
131 443
-
unemployment
29
-
69
-
pensions
260
-
623
-
income
559
-
45 204
-
health
144
-
346
-
total
992
-
46 242
-
Employer
2 889
-
131 443
-
health
275
-
657
-
pensions
318
-
761
-
unemployment
58
-
138
-
total
651
-
1 556
-
Corporate
129 460
133 000
-
-
income
28 481
29 260
-
-
total
28 481
29 260
-
-
Dividends
100 979
103 740
-
-
withholding
20 196
20 748
-
-
total
20 196
20 748
-
-
Income
133 000
133 000
133 000
133 000
Total tax
50 320
50 008
47 798
47 664
After tax
82 680
82 992
85 202
85 336
Living cost
1 897
1 897
1 897
1 897
Free-cash
80 783
81 095
83 305
83 439

Estimated living cost  is ₽1897 per week

₽1127
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽154
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽43
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.
₽572
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
₽79847
₽61187
₽61188
₽75223
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
income
-
-
-
29 326
unemployment
-
-
-
1 041
health
-
-
-
7 150
pensions
-
-
-
18 050
total
-
-
-
55 567
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.

24 497
-
120 574
-
unemployment
184
-
521
-
pensions
3 430
-
9 719
-
income
3 377
-
29 326
-
health
1 262
-
3 575
-
total
8 253
-
43 141
-
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.

24 497
-
120 574
-
health
1 262
-
3 575
-
pensions
2 940
-
8 331
-
unemployment
184
-
521
-
total
4 386
-
12 427
-
Corporate
104 118
133 000
-
-
income
15 618
19 950
-
-
total
15 618
19 950
-
-
Dividends
88 501
113 050
-
-
withholding
13 275
16 958
-
-
total
13 275
16 958
-
-
Income
133 000
133 000
133 000
133 000
Total tax
41 532
36 908
55 568
55 567
After tax
91 468
96 092
77 432
77 433
Living cost
16 245
16 245
16 245
16 245
Free-cash
75 223
79 847
61 187
61 188

Estimated living cost  is ₽16245 per week

₽10938
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1257
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.
₽3581
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
₽50339
₽37910
₽47024
₽50001
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
income
-
-
-
14 447
surtax
-
-
-
-
social contributions

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

-
-
-
46 217
total
-
-
-
60 664
Employee
36 440
-
107 475
-
surtax
-
-
-
-
social contributions
4 009
-
11 822
-
income
7 120
-
32 431
-
total
11 129
-
44 253
-
Employer
36 440
-
107 475
-
social contributions
8 654
-
25 525
-
total
8 654
-
25 525
-
Corporate
87 906
133 000
-
-
income
18 460
27 930
-
-
surtax
-
-
-
-
total
18 460
27 930
-
-
Dividends
69 446
105 070
-
-
withholding
19 445
29 419
-
-
total
19 445
29 419
-
-
Income
133 000
133 000
133 000
133 000
Total tax
57 688
57 349
69 778
60 664
After tax
75 312
75 651
63 222
72 336
Living cost
25 312
25 312
25 312
25 312
Free-cash
50 001
50 339
37 910
47 024

Estimated living cost  is ₽25312 per week

₽17927
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.
₽5178
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
₽56047
₽37491
₽42005
₽49367
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
-
-
-
31 892
other
-
-
-
87
unemployment
-
-
-
609
pensions
-
-
-
24 627
total
-
-
-
57 999
Employee
45 344
-
105 257
-
other
45
-
87
-
unemployment
702
-
1 349
-
pensions
2 131
-
4 091
-
income
9 471
-
29 242
-
total
12 349
-
34 769
-
Employer
45 344
-
105 257
-
pensions
10 701
-
20 538
-
accident
898
-
1 723
-
unemployment
2 494
-
4 786
-
other
363
-
697
-
total
14 456
-
27 744
-
Corporate
73 200
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.

10 981
19 950
-
-
total
10 981
19 950
-
-
Dividends
62 219
113 050
-
-
withholding
12 851
24 007
-
-
total
12 851
24 007
-
-
Income
133 000
133 000
133 000
133 000
Total tax
50 637
43 957
62 513
57 999
After tax
82 363
89 043
70 487
75 001
Living cost
32 996
32 996
32 996
32 996
Free-cash
49 367
56 047
37 491
42 005

Estimated living cost  is ₽32996 per week

₽23697
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2566
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.
₽6270
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
₽97564
₽93008
₽88142
₽91841
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
-
-
-
19 950
unemployment
-
-
-
131
health
-
-
-
3 772
pensions

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

-
-
-
4 854
total
-
-
-
28 707
Employee
21 387
-
126 566
-
accident

We are using the highest rate at 1.1%.

235
-
361
-
pensions

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

1 878
-
2 880
-
income
2 139
-
12 656
-
health
984
-
1 509
-
total
5 236
-
17 406
-
Employer
21 387
-
126 566
-
health
1 476
-
2 263
-
pensions

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

2 357
-
3 614
-
accident

We are using the highest rate at 1.1%.

235
-
361
-
unemployment
128
-
197
-
total
4 196
-
6 435
-
Corporate
107 417
133 000
-
-
income
10 742
13 300
-
-
total
10 742
13 300
-
-
Dividends
96 676
119 700
-
-
withholding
4 834
5 985
-
-
total
4 834
5 985
-
-
Income
133 000
133 000
133 000
133 000
Total tax
25 008
19 285
23 841
28 707
After tax
107 992
113 715
109 159
104 293
Living cost
16 151
16 151
16 151
16 151
Free-cash
91 841
97 564
93 008
88 142

Estimated living cost  is ₽16151 per week

₽10682
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽925
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.
₽4160
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
₽32253
₽50754
₽37933
₽44537
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
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.

-
-
-
37 521
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.

-
-
-
2 063
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.

-
-
-
6 414
trade
-
-
-
12 821
total
-
-
-
58 819
Employee

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

46 715
-
133 000
-
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
-
2 063
-
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.

3 841
-
37 521
-
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.

6 414
-
6 414
-
total
10 467
-
45 998
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
86 285
133 000
-
-
income
12 942
19 950
-
-
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.

713
1 098
-
-
chamber of commerce
269
337
-
-
trade
12 381
19 086
-
-
total
26 305
40 471
-
-
Dividends
59 980
92 530
-
-
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.

805
1 253
-
-
withholding
14 638
22 775
-
-
total
15 443
24 028
-
-
Income
133 000
133 000
133 000
133 000
Total tax
52 215
64 499
45 998
58 819
After tax
80 785
68 501
87 002
74 181
Living cost
36 248
36 248
36 248
36 248
Free-cash
44 537
32 253
50 754
37 933

Estimated living cost  is ₽36248 per week

₽25004
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3900
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.
₽6817
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
₽39618
₽20396
₽20396
₽41689
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
-
-
-
37 681
social contributions
-
-
-
21 440
total
-
-
-
59 121
Employee
73 441
-
133 000
-
income
13 858
-
37 681
-
social contributions
6 101
-
21 440
-
total
19 959
-
59 121
-
Employer
73 441
-
133 000
-
total
-
-
-
-
Corporate
59 559
133 000
-
-
income
7 446
16 625
-
-
total
7 446
16 625
-
-
Dividends
52 113
116 375
-
-
withholding
10 423
23 274
-
-
total
10 423
23 274
-
-
Income
133 000
133 000
133 000
133 000
Total tax
37 828
39 899
59 121
59 121
After tax
95 172
93 101
73 879
73 879
Living cost
53 483
53 483
53 483
53 483
Free-cash
41 689
39 618
20 396
20 396

Estimated living cost  is ₽53483 per week

₽40689
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4358
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽511
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.
₽7925
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
₽47408
₽62459
₽66513
₽50690
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
-
-
-
26 725
health

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

-
-
-
5 680
total
-
-
-
32 405
Employee
43 070
-
128 681
-
income
4 673
-
27 821
-
social contributions
4 315
-
4 319
-
total
8 988
-
32 140
-
Employer
43 070
-
128 681
-
social contributions
4 315
-
4 319
-
total
4 315
-
4 319
-
Corporate
85 615
133 000
-
-
income
29 965
46 550
-
-
total
29 965
46 550
-
-
Dividends
55 650
86 450
-
-
social contributions
4 960
4 960
-
-
total
4 960
4 960
-
-
Income
133 000
133 000
133 000
133 000
Total tax
48 228
51 510
36 459
32 405
After tax
84 772
81 490
96 541
100 595
Living cost
34 082
34 082
34 082
34 082
Free-cash
50 690
47 408
62 459
66 513

Estimated living cost  is ₽34082 per week

₽22449
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2687
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.
₽8422
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
₽55624
₽43460
₽55680
₽59346
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
-
-
-
34 515
pensions
-
-
-
7 817
total
-
-
-
42 332
Employee
48 026
-
116 487
-
pensions
3 666
-
9 854
-
income
8 746
-
26 368
-
health
626
-
1 818
-
total
13 038
-
38 040
-
Employer
48 026
-
116 487
-
health
913
-
2 213
-
pensions
4 852
-
14 299
-
total
5 765
-
16 512
-
Corporate
79 209
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.

15 050
25 269
-
-
total
15 050
25 269
-
-
Dividends
64 159
107 731
-
-
withholding
4 813
17 119
-
-
total
4 813
17 119
-
-
Income
133 000
133 000
133 000
133 000
Total tax
38 666
42 388
54 552
42 332
After tax
94 334
90 612
78 448
90 668
Living cost
34 988
34 988
34 988
34 988
Free-cash
59 346
55 624
43 460
55 680

Estimated living cost  is ₽34988 per week

₽24001
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3217
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.
₽7329
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
-₽11891
₽48364
₽68379
₽7298
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
-
-
-
240
income
-
-
-
35 330
other
-
-
-
353
health
-
-
-
2 075
pensions
-
-
-
3 959
total
-
-
-
41 957
Employee
35 652
-
117 670
-
pensions
4 014
-
7 259
-
income
4 891
-
25 910
-
health
4 082
-
13 473
-
total
12 987
-
46 642
-
Employer
35 652
-
117 670
-
pensions
5 797
-
10 482
-
accident
595
-
1 965
-
unemployment
873
-
2 883
-
total
7 265
-
15 330
-
Corporate
90 083
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.

81 075
119 700
-
-
total
81 075
119 700
-
-
Dividends
9 008
13 300
-
-
withholding
1 711
2 527
-
-
total
1 711
2 527
-
-
Income
133 000
133 000
133 000
133 000
Total tax
103 038
122 227
61 972
41 957
After tax
29 962
10 773
71 028
91 043
Living cost
22 664
22 664
22 664
22 664
Free-cash
7 298
-11 891
48 364
68 379

Estimated living cost  is ₽22664 per week

₽16633
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1321
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.
₽4254
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
₽99232
₽78221
₽62300
₽94838
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
-
-
-
21 438
unemployment
-
-
-
1 596
work injury
-
-
-
665
health insurance
-
-
-
9 842
pensions
-
-
-
24 472
total
-
-
-
58 013
Employee

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

20 298
-
133 000
-
health insurance
1 502
-
5 558
-
unemployment
244
-
901
-
work injury
101
-
376
-
pensions
3 735
-
13 819
-
income
2 030
-
21 438
-
total
7 612
-
42 092
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
112 702
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
111 575
131 670
-
-
withholding
16 736
19 751
-
-
total
16 736
19 751
-
-
Income
133 000
133 000
133 000
133 000
Total tax
25 475
21 081
42 092
58 013
After tax
107 525
111 919
90 908
74 987
Living cost
12 687
12 687
12 687
12 687
Free-cash
94 838
99 232
78 221
62 300

Estimated living cost  is ₽12687 per week

₽7860
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽922
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽396
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.
₽3509
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
₽32653
₽20418
₽26482
₽28382
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
-
-
-
34 207
regional
-
-
-
3 010
municipal
-
-
-
889
national
-
-
-
31 009
total
-
-
-
69 115
Employee
79 116
-
133 000
-
municipal
472
-
793
-
national
13 370
-
26 941
-
regional
1 194
-
2 598
-
social contributions
26 677
-
44 847
-
total
41 713
-
75 179
-
Employer
79 116
-
133 000
-
total
-
-
-
-
Corporate
53 884
133 000
-
-
municipal
2 598
6 411
-
-
nationa
12 932
31 919
-
-
total
15 530
38 330
-
-
Dividends
38 355
94 670
-
-
withholding
9 972
24 614
-
-
total
9 972
24 614
-
-
Income
133 000
133 000
133 000
133 000
Total tax
67 215
62 944
75 179
69 115
After tax
65 785
70 056
57 821
63 885
Living cost
37 403
37 403
37 403
37 403
Free-cash
28 382
32 653
20 418
26 482

Estimated living cost  is ₽37403 per week

₽26273
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2573
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.
₽7991
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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