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
₽36373
₽47615
₽43778
₽57284
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
trade
-
-
-
13 506
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.

-
-
-
36 010
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.

-
-
-
6 943
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.

-
-
-
1 981
total
-
-
-
58 440
Employee

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

38 870
-
133 000
-
health

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

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

6 943
-
6 943
-
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.

60
-
1 981
-
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.

1 086
-
36 010
-
total
8 089
-
44 934
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
94 130
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.

777
1 097
-
-
income
14 119
19 951
-
-
trade
14 825
20 948
-
-
chamber of commerce
289
345
-
-
total
30 010
42 341
-
-
Dividends
64 120
90 659
-
-
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.

860
1 225
-
-
withholding
15 644
22 279
-
-
total
16 504
23 504
-
-
Income
133 000
133 000
133 000
133 000
Total tax
54 603
65 845
44 934
58 440
After tax
78 397
67 155
88 066
74 560
Living cost
30 782
30 782
30 782
30 782
Free-cash
47 615
36 373
57 284
43 778

Estimated living cost  is ₽30782 per week

₽19363
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3589
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽575
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.
₽7255
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
₽31717
₽30865
₽28003
₽29047
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
133 000
municipal
-
-
-
14 250
pensions
-
-
-
15 960
national
-
-
-
22 082
social contributions
-
-
-
1 430
total
-
-
-
53 722
Employee
79 485
-
114 977
-
municipal
9 818
-
14 765
-
pensions
3 179
-
4 599
-
national
15 213
-
22 880
-
total
28 210
-
42 244
-
Employer
79 485
-
114 977
-
social contributions
854
-
1 236
-
pensions
6 359
-
9 198
-
total
7 213
-
10 434
-
Corporate
41 055
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%.

8 211
26 600
-
-
total
8 211
26 600
-
-
Dividends
32 844
106 400
-
-
withholding
7 226
23 408
-
-
total
7 226
23 408
-
-
Income
133 000
133 000
133 000
133 000
Total tax
50 860
50 008
52 678
53 722
After tax
82 140
82 992
80 322
79 278
Living cost
51 275
51 275
51 275
51 275
Free-cash
30 865
31 717
29 047
28 003

Estimated living cost  is ₽51275 per week

₽34851
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4766
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽767
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.
₽10890
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
₽85258
₽76922
₽18528
₽53466
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
microenterprise
-
-
-
-
income
-
-
-
20 477
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.

-
-
-
38 937
total
-
-
-
93 329
Employee
29 696
-
107 181
-
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.

3 267
-
11 789
-
surtax
-
-
-
-
income
5 286
-
20 784
-
total
8 553
-
32 573
-
Employer
29 696
-
107 181
-
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.

7 153
-
25 819
-
surtax
-
-
-
-
total
7 153
-
25 819
-
Corporate
96 151
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%.

19 230
26 600
-
-
total
19 230
26 600
-
-
Dividends

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

76 922
106 400
-
-
total
-
-
-
-
Income
133 000
133 000
133 000
133 000
Total tax
34 936
26 600
58 392
93 329
After tax
98 064
106 400
74 608
39 671
Living cost
21 142
21 142
21 142
21 142
Free-cash
76 922
85 258
53 466
18 528

Estimated living cost  is ₽21142 per week

₽13488
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2013
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽480
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.
₽5161
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
₽22590
₽16366
₽34056
₽32897
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
-
-
-
31 932
pensions
-
-
-
11 907
health
-
-
-
12 532
total
-
-
-
56 371
Employee
86 784
86 784
114 114
-
health
13 320
11 330
12 532
-
income

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

14 205
14 205
14 205
-
pensions
15 621
11 907
11 907
-
total
43 146
37 442
38 644
-
Employer
86 784
86 784
114 114
-
unemployment
3 124
3 124
3 882
-
pensions
6 040
6 040
7 508
-
health
6 032
6 032
7 496
-
total
15 196
15 196
18 886
-
Corporate
32 083
31 019
-
-
income
6 416
6 204
-
-
total
6 416
6 204
-
-
Dividends
25 667
24 815
-
-
income
5 454
5 273
-
-
withholding
3 849
3 722
-
-
total
9 303
8 995
-
-
Income
133 000
133 000
133 000
133 000
Total tax
74 061
67 837
57 530
56 371
After tax
58 939
65 163
75 470
76 629
Living cost
42 573
42 573
42 573
42 573
Free-cash
16 366
22 590
32 897
34 056

Estimated living cost  is ₽42573 per week

₽30170
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3838
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽677
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.
₽7888
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
₽33461
₽32583
₽31312
₽30256
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
133 000
municipal
-
-
-
32 247
accident
-
-
-
172
pensions
-
-
-
9 277
other
-
-
-
9 972
unemployment
-
-
-
86
health
-
-
-
5 355
national
-
-
-
5 422
total
-
-
-
62 531
Employee
55 795
-
106 036
-
municipal
16 638
-
31 620
-
national
-
-
5 002
-
total
16 638
-
36 622
-
Employer
55 795
-
106 036
-
accident
112
-
172
-
other
6 483
-
9 972
-
unemployment
1 473
-
2 266
-
pensions
6 031
-
9 277
-
health
3 431
-
5 278
-
total
17 530
-
26 965
-
Corporate
59 675
133 000
-
-
income
13 128
29 260
-
-
total
13 128
29 260
-
-
Dividends
46 546
103 740
-
-
withholding
13 964
31 122
-
-
total
13 964
31 122
-
-
Income
133 000
133 000
133 000
133 000
Total tax
61 260
60 382
63 587
62 531
After tax
71 740
72 618
69 413
70 469
Living cost
39 157
39 157
39 157
39 157
Free-cash
32 583
33 461
30 256
31 312

Estimated living cost  is ₽39157 per week

₽25951
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3842
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽595
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.
₽8768
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
₽26549
₽40829
₽34038
₽48143
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
trade
-
-
-
14 105
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.

-
-
-
36 010
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.

-
-
-
6 943
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.

-
-
-
1 981
total
-
-
-
59 039
Employee

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

51 537
-
133 000
-
health

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

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

6 943
-
6 943
-
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.

243
-
1 981
-
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.

4 428
-
36 010
-
total
11 614
-
44 934
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
81 463
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.

671
1 097
-
-
income
12 219
19 951
-
-
trade
13 401
21 879
-
-
chamber of commerce
270
343
-
-
total
26 561
43 270
-
-
Dividends
54 902
89 729
-
-
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.

733
1 213
-
-
withholding
13 340
22 045
-
-
total
14 073
23 258
-
-
Income
133 000
133 000
133 000
133 000
Total tax
52 248
66 528
44 934
59 039
After tax
80 752
66 472
88 066
73 961
Living cost
39 923
39 923
39 923
39 923
Free-cash
40 829
26 549
48 143
34 038

Estimated living cost  is ₽39923 per week

₽26701
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4210
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽596
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.
₽8416
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
₽64213
₽59998
₽60119
₽58727
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
-
-
-
20 084
health
-
-
-
3 392
social contributions
-
-
-
16 443
total
-
-
-
39 919
Employee
78 145
78 145
121 996
-
social contributions
3 797
6 486
8 748
-
health
777
1 329
2 073
-
income
8 206
7 234
19 486
-
total
12 780
15 049
30 307
-
Employer
78 145
78 145
121 996
-
social contributions
3 797
6 486
8 748
-
health
847
1 446
2 256
-
total
4 644
7 932
11 004
-
Corporate
82 613
46 922
-
-
income
10 327
5 865
-
-
total
10 327
5 865
-
-
Dividends
72 286
41 058
-
-
withholding
12 289
6 979
-
-
total
12 289
6 979
-
-
Income
133 000
133 000
133 000
133 000
Total tax
40 040
35 825
41 311
39 919
After tax
92 960
97 175
91 689
93 081
Living cost
32 962
32 962
32 962
32 962
Free-cash
59 998
64 213
58 727
60 119

Estimated living cost  is ₽32962 per week

₽22533
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2575
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽553
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.
₽7301
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
₽56398
₽56782
₽73727
₽58692
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
pensions
-
-
-
13 300
unemployment
-
-
-
1 995
health
-
-
-
9 310
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.

26 573
10 576
111 297
-
health
1 860
740
7 791
-
income
3 249
1 293
13 606
-
pensions
2 657
1 058
11 130
-
unemployment
399
159
1 669
-
total
8 165
3 250
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.

26 573
10 576
111 297
-
pensions
5 182
2 062
21 703
-
total
5 182
2 062
21 703
-
Corporate
101 245
120 362
-
-
income
9 112
10 833
-
-
total
9 112
10 833
-
-
Dividends
92 133
109 529
-
-
social contributions
17 845
21 237
-
-
withholding
17 505
20 811
-
-
total
35 350
42 048
-
-
Income
133 000
133 000
133 000
133 000
Total tax
57 809
58 193
55 899
40 864
After tax
75 191
74 807
77 101
92 136
Living cost
18 409
18 409
18 409
18 409
Free-cash
56 782
56 398
58 692
73 727

Estimated living cost  is ₽18409 per week

₽12562
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1506
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽368
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.
₽3972
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
₽81854
₽75542
₽46743
₽52114
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
pensions
-
-
-
26 600
health
-
-
-
17 289
total
-
-
-
61 711
Employee
28 830
-
99 401
-
income
3 246
-
19 164
-
pensions
577
-
1 988
-
unemployment
461
-
1 591
-
total
4 284
-
22 743
-
Employer
28 830
-
99 401
-
unemployment
231
-
795
-
pensions
5 766
-
19 881
-
health
3 747
-
12 921
-
total
9 744
-
33 597
-
Corporate
94 425
133 000
-
-
income
18 884
26 600
-
-
total
18 884
26 600
-
-
Dividends
75 541
106 400
-
-
total
-
-
-
-
Income
133 000
133 000
133 000
133 000
Total tax
32 912
26 600
56 340
61 711
After tax
100 088
106 400
76 660
71 289
Living cost
24 546
24 546
24 546
24 546
Free-cash
75 542
81 854
52 114
46 743

Estimated living cost  is ₽24546 per week

₽16836
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1462
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽494
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.
₽5755
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
-₽11423
₽7368
₽68884
₽48476
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
-
-
-
255
income
-
-
-
34 893
pensions
-
-
-
4 198
other
-
-
-
374
health
-
-
-
2 200
total
-
-
-
41 920
Employee
34 915
-
117 062
-
health
3 998
-
13 404
-
income
4 790
-
25 289
-
pensions
3 932
-
7 697
-
total
12 720
-
46 390
-
Employer
34 915
-
117 062
-
accident
583
-
1 955
-
unemployment
855
-
2 868
-
pensions
5 677
-
11 115
-
total
7 115
-
15 938
-
Corporate
90 969
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.

81 872
119 700
-
-
total
81 872
119 700
-
-
Dividends
9 097
13 300
-
-
withholding
1 729
2 527
-
-
total
1 729
2 527
-
-
Income
133 000
133 000
133 000
133 000
Total tax
103 436
122 227
62 328
41 920
After tax
29 564
10 773
70 672
91 080
Living cost
22 196
22 196
22 196
22 196
Free-cash
7 368
-11 423
48 476
68 884

Estimated living cost  is ₽22196 per week

₽16268
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1230
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽463
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.
₽4236
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
₽117088
₽115352
₽122408
₽97138
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
11 577
-
133 000
-
income
2 315
-
26 600
-
total
2 315
-
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%.

121 423
133 000
-
-
total
-
-
-
-
Dividends
121 423
133 000
-
-
withholding
6 071
6 650
-
-
total
6 071
6 650
-
-
Income
133 000
133 000
133 000
133 000
Total tax
8 386
6 650
26 600
1 330
After tax
124 614
126 350
106 400
131 670
Living cost
9 262
9 262
9 262
9 262
Free-cash
115 352
117 088
97 138
122 408

Estimated living cost  is ₽9262 per week

₽5740
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽770
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽255
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.
₽2498
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
₽70637
₽63772
₽43903
₽49408
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
-
-
-
17 928
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
other
-
-
-
6 318
health
-
-
-
5 851
total
-
-
-
62 018
Employee
36 899
-
106 228
-
health
517
-
1 487
-
income
6 353
-
19 760
-
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.

2 582
-
7 435
-
unemployment
368
-
1 063
-
total
9 820
-
29 745
-
Employer
36 899
-
106 228
-
accident
295
-
850
-
other
1 846
-
5 311
-
unemployment
368
-
1 063
-
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.

6 274
-
18 057
-
health
517
-
1 487
-
total
9 300
-
26 768
-
Corporate
86 801
133 000
-
-
income
18 229
27 929
-
-
total
18 229
27 929
-
-
Dividends
68 573
105 071
-
-
withholding
4 800
7 355
-
-
total
4 800
7 355
-
-
Income
133 000
133 000
133 000
133 000
Total tax
42 149
35 284
56 513
62 018
After tax
90 851
97 716
76 487
70 982
Living cost
27 079
27 079
27 079
27 079
Free-cash
63 772
70 637
49 408
43 903

Estimated living cost  is ₽27079 per week

₽19133
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1828
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽436
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.
₽5681
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
₽23737
₽17193
₽23330
₽11029
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
-
-
-
33 002
pensions
-
-
-
8 259
total
-
-
-
41 261
Employee
96 788
-
116 618
-
health
1 595
-
1 875
-
income
17 447
-
24 800
-
pensions
9 337
-
10 505
-
total
28 379
-
37 180
-
Employer
96 788
-
116 618
-
pensions
11 428
-
14 165
-
health
1 838
-
2 217
-
total
13 266
-
16 382
-
Corporate
22 946
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.

4 359
25 271
-
-
total
4 359
25 271
-
-
Dividends
18 587
107 729
-
-
withholding
1 394
15 583
-
-
total
1 394
15 583
-
-
Income
133 000
133 000
133 000
133 000
Total tax
47 398
40 854
53 562
41 261
After tax
85 602
92 146
79 438
91 739
Living cost
68 409
68 409
68 409
68 409
Free-cash
17 193
23 737
11 029
23 330

Estimated living cost  is ₽68409 per week

₽51260
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽8038
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽556
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.
₽8556
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
₽100393
₽95674
₽90251
₽94972
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
pensions

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

-
-
-
5 253
unemployment
-
-
-
142
health
-
-
-
4 082
total
-
-
-
29 427
Employee
17 640
-
126 037
-
health
811
-
1 633
-
accident

We are using the highest rate at 1.1%.

194
-
390
-
income
1 764
-
12 604
-
pensions

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

1 549
-
3 116
-
total
4 318
-
17 743
-
Employer
17 640
-
126 037
-
accident

We are using the highest rate at 1.1%.

194
-
390
-
unemployment
105
-
213
-
pensions

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

1 944
-
3 911
-
health
1 218
-
2 449
-
total
3 461
-
6 963
-
Corporate
111 898
133 000
-
-
income
11 190
13 300
-
-
total
11 190
13 300
-
-
Dividends
100 708
119 700
-
-
withholding
5 035
5 985
-
-
total
5 035
5 985
-
-
Income
133 000
133 000
133 000
133 000
Total tax
24 004
19 285
24 706
29 427
After tax
108 996
113 715
108 294
103 573
Living cost
13 322
13 322
13 322
13 322
Free-cash
95 674
100 393
94 972
90 251

Estimated living cost  is ₽13322 per week

₽7778
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽951
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽353
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.
₽4240
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
₽8810
₽11365
₽20276
₽19117
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
-
-
-
31 932
pensions
-
-
-
11 907
health
-
-
-
12 532
total
-
-
-
56 371
Employee
94 220
86 784
114 114
-
health
11 754
11 330
12 532
-
income

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

14 205
14 205
14 205
-
pensions
11 907
11 907
11 907
-
total
37 866
37 442
38 644
-
Employer
94 220
86 784
114 114
-
unemployment
3 392
3 124
3 882
-
pensions
6 557
6 040
7 508
-
health
6 547
6 032
7 496
-
total
16 496
15 196
18 886
-
Corporate
22 283
31 019
-
-
income
4 457
6 204
-
-
total
4 457
6 204
-
-
Dividends
17 826
24 815
-
-
income
3 788
5 273
-
-
withholding
2 675
3 722
-
-
total
6 463
8 995
-
-
Income
133 000
133 000
133 000
133 000
Total tax
65 282
67 837
57 530
56 371
After tax
67 718
65 163
75 470
76 629
Living cost
56 353
56 353
56 353
56 353
Free-cash
11 365
8 810
19 117
20 276

Estimated living cost  is ₽56353 per week

₽41570
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5033
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽646
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.
₽9105
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
₽67282
₽58616
₽43790
₽43205
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
-
-
-
12 014
health
-
-
-
17 955
solidarity contribution
-
-
-
-
social contributions
-
-
-
34 952
total
-
-
-
64 921
Employee
35 720
-
99 254
-
social contributions
2 322
-
6 451
-
health
4 822
-
13 399
-
solidarity contribution
-
-
-
-
income
4 286
-
11 910
-
total
11 430
-
31 760
-
Employer
35 720
-
99 254
-
social contributions
8 930
-
24 813
-
health
3 215
-
8 933
-
total
12 145
-
33 746
-
Corporate
85 135
133 000
-
-
income
16 176
25 270
-
-
total
16 176
25 270
-
-
Dividends
68 960
107 730
-
-
withholding
10 344
16 159
-
-
total
10 344
16 159
-
-
Income
133 000
133 000
133 000
133 000
Total tax
50 095
41 429
65 506
64 921
After tax
82 905
91 571
67 494
68 079
Living cost
24 289
24 289
24 289
24 289
Free-cash
58 616
67 282
43 205
43 790

Estimated living cost  is ₽24289 per week

₽16872
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1728
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽478
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5212
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
₽28079
₽22772
₽23154
₽16824
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
133 000
municipal
-
-
-
791
regional
-
-
-
1 521
national
-
-
-
30 444
social contributions
-
-
-
34 208
total
-
-
-
66 964
Employee
90 319
-
133 000
-
social contributions
30 456
-
44 848
-
regional
852
-
1 340
-
municipal
478
-
706
-
national
15 650
-
26 400
-
total
47 436
-
73 294
-
Employer
90 319
-
133 000
-
total
-
-
-
-
Corporate
42 681
133 000
-
-
nationa
10 244
31 919
-
-
municipal
1 664
5 188
-
-
total
11 908
37 107
-
-
Dividends
30 772
95 893
-
-
withholding
8 002
24 932
-
-
total
8 002
24 932
-
-
Income
133 000
133 000
133 000
133 000
Total tax
67 346
62 039
73 294
66 964
After tax
65 654
70 961
59 706
66 036
Living cost
42 882
42 882
42 882
42 882
Free-cash
22 772
28 079
16 824
23 154

Estimated living cost  is ₽42882 per week

₽29892
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2812
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽658
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.
₽9519
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
₽61231
₽58069
₽41019
₽38820
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
-
-
-
29 256
pensions
-
-
-
26 600
other
-
-
-
-
unemployment
-
-
-
231
health
-
-
-
9 442
surtax
-
-
-
4 027
total
-
-
-
69 556
Employee
33 607
-
109 873
-
other
-
-
-
-
health
858
-
2 802
-
surtax
110
-
3 680
-
income
5 633
-
27 171
-
pensions
2 241
-
7 328
-
unemployment
2 339
-
7 647
-
total
11 181
-
48 628
-
Employer
33 607
-
109 873
-
other
-
-
-
-
unemployment
1 065
-
3 483
-
pensions
4 480
-
14 645
-
health
1 529
-
4 999
-
total
7 074
-
23 127
-
Corporate
92 319
133 000
-
-
income
24 003
34 581
-
-
total
24 003
34 581
-
-
Dividends
68 316
98 419
-
-
withholding
10 248
14 763
-
-
total
10 248
14 763
-
-
Income
133 000
133 000
133 000
133 000
Total tax
52 506
49 344
71 755
69 556
After tax
80 494
83 656
61 245
63 444
Living cost
22 425
22 425
22 425
22 425
Free-cash
58 069
61 231
38 820
41 019

Estimated living cost  is ₽22425 per week

₽13712
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2069
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽517
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.
₽6127
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
₽45411
₽44865
₽45004
₽32703
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
-
-
-
33 002
pensions
-
-
-
8 259
total
-
-
-
41 261
Employee
64 865
-
116 618
-
health
942
-
1 875
-
income
11 682
-
24 800
-
pensions
5 506
-
10 505
-
total
18 130
-
37 180
-
Employer
64 865
-
116 618
-
pensions
7 022
-
14 165
-
health
1 232
-
2 217
-
total
8 254
-
16 382
-
Corporate
59 882
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.

11 378
25 271
-
-
total
11 378
25 271
-
-
Dividends
48 503
107 729
-
-
withholding
3 638
15 583
-
-
total
3 638
15 583
-
-
Income
133 000
133 000
133 000
133 000
Total tax
41 400
40 854
53 562
41 261
After tax
91 600
92 146
79 438
91 739
Living cost
46 735
46 735
46 735
46 735
Free-cash
44 865
45 411
32 703
45 004

Estimated living cost  is ₽46735 per week

₽35014
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3503
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽489
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.
₽7729
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
-₽16795
₽16413
₽31911
₽25397
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
city
-
-
-
1 401
pensions
-
-
-
12 235
other

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

-
-
-
2 659
regional
-
-
-
5 490
health
-
-
-
299
national
-
-
-
1 392
total
-
-
-
23 476
Employee
90 828
-
119 044
-
city
975
-
1 280
-
regional
2 974
-
4 706
-
health
205
-
267
-
pensions
7 631
-
9 999
-
unemployment
-
-
-
-
national
430
-
1 092
-
total
12 215
-
17 344
-
Employer
90 828
-
119 044
-
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.

1 816
-
2 380
-
unemployment
-
-
-
-
pensions
7 631
-
9 999
-
health
205
-
267
-
total
9 652
-
12 646
-
Corporate
31 522
133 000
-
-
regional
6 666
28 129
-
-
national
2 679
11 305
-
-
total
9 345
39 434
-
-
Dividends
22 177
93 567
-
-
withholding
7 762
32 748
-
-
total
7 762
32 748
-
-
Income
133 000
133 000
133 000
133 000
Total tax
38 974
72 182
29 990
23 476
After tax
94 026
60 818
103 010
109 524
Living cost
77 613
77 613
77 613
77 613
Free-cash
16 413
-16 795
25 397
31 911

Estimated living cost  is ₽77613 per week

₽50471
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6965
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽953
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.
₽19224
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
₽19233
₽35713
₽26804
₽41511
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
trade
-
-
-
14 707
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.

-
-
-
36 010
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.

-
-
-
6 943
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.

-
-
-
1 981
total
-
-
-
59 641
Employee

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

61 075
-
133 000
-
health

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

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

6 943
-
6 943
-
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.

395
-
1 981
-
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.

7 182
-
36 010
-
total
14 520
-
44 934
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
71 925
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.

594
1 097
-
-
income
10 788
19 951
-
-
trade
12 335
22 809
-
-
chamber of commerce
255
341
-
-
total
23 972
44 198
-
-
Dividends
47 953
88 802
-
-
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.

638
1 200
-
-
withholding
11 602
21 814
-
-
total
12 240
23 014
-
-
Income
133 000
133 000
133 000
133 000
Total tax
50 732
67 212
44 934
59 641
After tax
82 268
65 788
88 066
73 359
Living cost
46 555
46 555
46 555
46 555
Free-cash
35 713
19 233
41 511
26 804

Estimated living cost  is ₽46555 per week

₽34002
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3724
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽606
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.
₽8225
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
₽32262
₽38264
₽40923
₽43480
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
-
-
-
17 106
pensions
-
-
-
28 101
other
-
-
-
4 123
health
-
-
-
4 187
surtax
-
-
-
-
social contributions
-
-
-
3 790
total
-
-
-
57 307
Employee
43 494
-
105 628
-
social contributions
1 240
-
3 009
-
surtax
-
-
-
-
income
2 567
-
18 141
-
pensions
4 918
-
6 227
-
total
8 725
-
27 377
-
Employer
43 494
-
105 628
-
other
1 500
-
3 644
-
social contributions
131
-
316
-
unemployment
1 761
-
4 278
-
pensions
7 145
-
10 685
-
health
3 045
-
8 450
-
total
13 582
-
27 373
-
Corporate
75 923
133 000
-
-
surtax
-
-
-
-
income
21 258
37 240
-
-
total
21 258
37 240
-
-
Dividends
54 665
95 760
-
-
surtax
-
-
-
-
social contributions
9 404
16 470
-
-
withholding
6 997
12 258
-
-
total
16 401
28 728
-
-
Income
133 000
133 000
133 000
133 000
Total tax
59 966
65 968
54 750
57 307
After tax
73 034
67 032
78 250
75 693
Living cost
34 770
34 770
34 770
34 770
Free-cash
38 264
32 262
43 480
40 923

Estimated living cost  is ₽34770 per week

₽21924
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2827
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽592
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.
₽9429
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
₽35707
₽41353
₽44368
₽46925
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
-
-
-
17 106
pensions
-
-
-
28 101
other
-
-
-
4 123
health
-
-
-
4 187
surtax
-
-
-
-
social contributions
-
-
-
3 790
total
-
-
-
57 307
Employee
38 825
-
105 628
-
social contributions
1 107
-
3 009
-
surtax
-
-
-
-
income
2 002
-
18 141
-
pensions
4 391
-
6 227
-
total
7 500
-
27 377
-
Employer
38 825
-
105 628
-
other
1 340
-
3 644
-
social contributions
116
-
316
-
unemployment
1 572
-
4 278
-
pensions
6 380
-
10 685
-
health
2 717
-
8 450
-
total
12 125
-
27 373
-
Corporate
82 050
133 000
-
-
surtax
-
-
-
-
income
22 975
37 240
-
-
total
22 975
37 240
-
-
Dividends
59 076
95 760
-
-
surtax
-
-
-
-
social contributions
10 160
16 470
-
-
withholding
7 562
12 258
-
-
total
17 722
28 728
-
-
Income
133 000
133 000
133 000
133 000
Total tax
60 322
65 968
54 750
57 307
After tax
72 678
67 032
78 250
75 693
Living cost
31 325
31 325
31 325
31 325
Free-cash
41 353
35 707
46 925
44 368

Estimated living cost  is ₽31325 per week

₽18167
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3182
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽594
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.
₽9382
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
₽59594
₽60121
₽63862
₽62472
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
-
-
-
19 951
health
-
-
-
9 284
social contributions
-
-
-
18 354
total
-
-
-
47 589
Employee
34 457
-
133 000
-
social contributions
4 756
-
18 354
-
health
2 405
-
9 284
-
income
5 747
-
21 341
-
total
12 908
-
48 979
-
Employer
34 457
-
133 000
-
total
-
-
-
-
Corporate
98 543
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%.

4 927
6 650
-
-
total
4 927
6 650
-
-
Dividends
93 615
126 350
-
-
health
6 534
8 819
-
-
social contributions
12 919
17 436
-
-
withholding
14 042
18 952
-
-
total
33 495
45 207
-
-
Income
133 000
133 000
133 000
133 000
Total tax
51 330
51 857
48 979
47 589
After tax
81 670
81 143
84 021
85 411
Living cost
21 549
21 549
21 549
21 549
Free-cash
60 121
59 594
62 472
63 862

Estimated living cost  is ₽21549 per week

₽14422
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1329
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽496
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.
₽5302
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
₽38218
₽36644
₽31126
₽505
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
chamber of commerce
-
-
-
532
income
-
-
-
28 053
pensions
-
-
-
21 964
unemployment
-
-
-
6 233
health
-
-
-
9 082
surtax
-
-
-
201
total
-
-
-
66 065
Employee
50 788
40 499
103 121
-
other
507
405
1 032
-
health
1 965
1 568
3 990
-
income
5 782
2 987
23 318
-
pensions
5 201
4 146
10 559
-
unemployment
1 524
1 215
3 093
-
total
14 979
10 321
41 992
-
Employer
50 788
40 499
103 121
-
accident
660
526
1 340
-
other
2 413
1 923
4 898
-
chamber of commerce
202
162
413
-
unemployment
1 524
1 215
3 093
-
surtax
201
201
201
-
pensions
6 374
5 084
12 942
-
payroll
1 524
1 215
3 093
-
health
1 919
1 531
3 898
-
total
14 817
11 857
29 878
-
Corporate
67 397
80 644
99 264
-
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.

16 850
20 161
24 816
-
total
16 850
20 161
24 816
-
Dividends
50 547
60 483
-
-
withholding
13 901
16 634
-
-
total
13 901
16 634
-
-
Income
133 000
133 000
133 000
133 000
Total tax
60 547
58 973
96 686
66 065
After tax
72 453
74 027
36 314
66 935
Living cost
35 809
35 809
35 809
35 809
Free-cash
36 644
38 218
505
31 126

Estimated living cost  is ₽35809 per week

₽23883
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3055
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽588
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.
₽8283
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
₽37425
₽22182
₽22189
₽12342
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
national
-
-
-
45 976
communal

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

-
-
-
6 717
social contributions
-
-
-
21 064
total
-
-
-
73 757
Employee

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

72 694
-
103 011
-
communal

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

3 792
-
5 373
-
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.

3 415
-
4 841
-
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.

5 452
-
7 726
-
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.

633
-
897
-
national
22 349
-
34 781
-
total
35 641
-
53 618
-
Employer

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

72 694
-
103 011
-
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.

945
-
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.

1 061
-
1 504
-
surtax
8 243
-
11 683
-
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.

6 441
-
9 126
-
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.

4 470
-
6 335
-
total
21 160
-
29 986
-
Corporate
39 146
133 000
-
-
surtax
156
532
-
-
income
7 830
26 600
-
-
total
7 986
27 132
-
-
Dividends
31 160
105 867
-
-
withholding

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

8 977
31 389
-
-
total
8 977
31 389
-
-
Income
133 000
133 000
133 000
133 000
Total tax
73 764
58 521
83 604
73 757
After tax
59 236
74 479
49 396
59 243
Living cost
37 054
37 054
37 054
37 054
Free-cash
22 182
37 425
12 342
22 189

Estimated living cost  is ₽37054 per week

₽23868
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3240
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽580
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.
₽9367
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
₽52507
₽44743
₽37576
₽32692
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
-
-
-
849
income
-
-
-
30 464
pensions
-
-
-
26 656
other
-
-
-
94
unemployment
-
-
-
660
total
-
-
-
58 723
Employee
50 587
-
102 971
-
other
50
-
94
-
income
10 674
-
27 596
-
pensions
2 378
-
4 428
-
unemployment
785
-
1 460
-
total
13 887
-
33 578
-
Employer
50 587
-
102 971
-
accident
1 001
-
1 865
-
other
403
-
754
-
unemployment
2 783
-
5 180
-
pensions
11 938
-
22 230
-
total
16 125
-
30 029
-
Corporate
66 289
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.

9 944
19 951
-
-
total
9 944
19 951
-
-
Dividends
56 345
113 049
-
-
withholding
11 600
23 841
-
-
total
11 600
23 841
-
-
Income
133 000
133 000
133 000
133 000
Total tax
51 556
43 792
63 607
58 723
After tax
81 444
89 208
69 393
74 277
Living cost
36 701
36 701
36 701
36 701
Free-cash
44 743
52 507
32 692
37 576

Estimated living cost  is ₽36701 per week

₽27027
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2604
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽528
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.
₽6542
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
₽24786
₽14497
₽15679
₽20985
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
133 000
accident
-
-
-
1 120
income
-
-
-
16 693
pensions
-
-
-
19 935
health
-
-
-
9 344
surtax
-
-
-
6 594
communal
-
-
-
8 407
total
-
-
-
62 093
Employee
76 960
-
118 804
-
health
3 425
-
5 286
-
surtax
4 717
-
7 280
-
income
7 434
-
20 521
-
pensions
6 156
-
9 504
-
total
21 732
-
42 591
-
Employer
76 960
-
118 804
-
accident
692
-
1 068
-
pensions
6 156
-
9 504
-
health
2 347
-
3 624
-
total
9 195
-
14 196
-
Corporate
46 844
133 000
-
-
surtax
492
1 396
-
-
communal
3 163
8 977
-
-
income
7 026
19 951
-
-
total
10 681
30 324
-
-
Dividends
36 164
102 676
-
-
income
16 242
7 261
-
-
withholding
5 425
15 401
-
-
total
21 667
22 662
-
-
Income
133 000
133 000
133 000
133 000
Total tax
63 275
52 986
56 787
62 093
After tax
69 725
80 014
76 213
70 907
Living cost
55 228
55 228
55 228
55 228
Free-cash
14 497
24 786
20 985
15 679

Estimated living cost  is ₽55228 per week

₽41429
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3346
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽584
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.
₽9866
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
₽60830
₽57599
₽40618
₽38419
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
-
-
-
29 256
pensions
-
-
-
26 600
other
-
-
-
-
unemployment
-
-
-
231
health
-
-
-
9 442
surtax
-
-
-
4 027
total
-
-
-
69 556
Employee
34 224
-
109 873
-
other
-
-
-
-
health
874
-
2 802
-
surtax
121
-
3 680
-
income
5 737
-
27 171
-
pensions
2 283
-
7 328
-
unemployment
2 382
-
7 647
-
total
11 397
-
48 628
-
Employer
34 224
-
109 873
-
other
-
-
-
-
unemployment
1 086
-
3 483
-
pensions
4 563
-
14 645
-
health
1 556
-
4 999
-
total
7 205
-
23 127
-
Corporate
91 571
133 000
-
-
income
23 808
34 581
-
-
total
23 808
34 581
-
-
Dividends
67 763
98 419
-
-
withholding
10 165
14 763
-
-
total
10 165
14 763
-
-
Income
133 000
133 000
133 000
133 000
Total tax
52 575
49 344
71 755
69 556
After tax
80 425
83 656
61 245
63 444
Living cost
22 826
22 826
22 826
22 826
Free-cash
57 599
60 830
38 419
40 618

Estimated living cost  is ₽22826 per week

₽13781
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1984
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽530
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.
₽6532
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
₽42532
₽40273
₽38176
₽31881
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
133 000
municipal
-
-
-
791
regional
-
-
-
2 005
national
-
-
-
30 444
social contributions
-
-
-
34 208
total
-
-
-
67 448
Employee
56 373
-
133 000
-
social contributions
19 010
-
44 848
-
regional
759
-
1 789
-
municipal
299
-
706
-
national
8 931
-
26 400
-
total
28 999
-
73 743
-
Employer
56 373
-
133 000
-
total
-
-
-
-
Corporate
76 627
133 000
-
-
nationa
18 391
31 919
-
-
municipal
3 809
6 611
-
-
total
22 200
38 530
-
-
Dividends
54 427
94 470
-
-
withholding
14 152
24 562
-
-
total
14 152
24 562
-
-
Income
133 000
133 000
133 000
133 000
Total tax
65 351
63 092
73 743
67 448
After tax
67 649
69 908
59 257
65 552
Living cost
27 376
27 376
27 376
27 376
Free-cash
40 273
42 532
31 881
38 176

Estimated living cost  is ₽27376 per week

₽17025
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2773
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽469
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.
₽7109
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
₽61640
₽50963
₽38148
₽37563
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
-
-
-
12 014
health
-
-
-
17 955
solidarity contribution
-
-
-
-
social contributions
-
-
-
34 952
total
-
-
-
64 921
Employee
44 016
-
99 254
-
social contributions
2 861
-
6 451
-
health
5 942
-
13 399
-
solidarity contribution
-
-
-
-
income
5 282
-
11 910
-
total
14 085
-
31 760
-
Employer
44 016
-
99 254
-
social contributions
11 004
-
24 813
-
health
3 961
-
8 933
-
total
14 965
-
33 746
-
Corporate
74 018
133 000
-
-
income
14 063
25 270
-
-
total
14 063
25 270
-
-
Dividends
59 955
107 730
-
-
withholding
8 993
16 159
-
-
total
8 993
16 159
-
-
Income
133 000
133 000
133 000
133 000
Total tax
52 106
41 429
65 506
64 921
After tax
80 894
91 571
67 494
68 079
Living cost
29 931
29 931
29 931
29 931
Free-cash
50 963
61 640
37 563
38 148

Estimated living cost  is ₽29931 per week

₽22259
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1658
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽518
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.
₽5497
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
₽41716
₽41211
₽34714
₽3926
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
chamber of commerce
-
-
-
532
income
-
-
-
28 053
pensions
-
-
-
21 964
unemployment
-
-
-
6 233
health
-
-
-
9 082
surtax
-
-
-
-
total
-
-
-
65 864
Employee
44 424
40 499
103 275
-
other
444
405
1 034
-
health
1 718
1 568
3 996
-
income
3 957
2 987
23 370
-
pensions
4 549
4 146
10 576
-
unemployment
1 333
1 215
3 099
-
total
12 001
10 321
42 075
-
Employer
44 424
40 499
103 275
-
accident
577
526
1 342
-
other
2 110
1 923
4 904
-
chamber of commerce
177
162
413
-
unemployment
1 333
1 215
3 099
-
surtax
-
-
-
-
pensions
5 575
5 084
12 962
-
payroll
1 333
1 215
3 099
-
health
1 680
1 531
3 903
-
total
12 785
11 656
29 722
-
Corporate
75 792
80 844
99 420
-
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.

18 948
20 211
24 855
-
total
18 948
20 211
24 855
-
Dividends
56 844
60 633
-
-
withholding
15 633
16 674
-
-
total
15 633
16 674
-
-
Income
133 000
133 000
133 000
133 000
Total tax
59 367
58 862
96 652
65 864
After tax
73 633
74 138
36 348
67 136
Living cost
32 422
32 422
32 422
32 422
Free-cash
41 211
41 716
3 926
34 714

Estimated living cost  is ₽32422 per week

₽19449
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3311
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽579
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.
₽9083
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
₽111917
₽109210
₽117237
₽91967
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
18 042
-
133 000
-
income
3 609
-
26 600
-
total
3 609
-
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%.

114 958
133 000
-
-
total
-
-
-
-
Dividends
114 958
133 000
-
-
withholding
5 748
6 650
-
-
total
5 748
6 650
-
-
Income
133 000
133 000
133 000
133 000
Total tax
9 357
6 650
26 600
1 330
After tax
123 643
126 350
106 400
131 670
Living cost
14 433
14 433
14 433
14 433
Free-cash
109 210
111 917
91 967
117 237

Estimated living cost  is ₽14433 per week

₽9767
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽606
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽484
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.
₽3576
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
₽64313
₽55813
₽40035
₽36365
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
-
-
-
28 131
pensions
-
-
-
24 290
unemployment
-
-
-
199
health
-
-
-
13 087
total
-
-
-
65 707
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.

44 939
-
115 080
-
health
2 902
-
7 435
-
income
7 750
-
26 025
-
pensions
6 966
-
17 837
-
unemployment
64
-
162
-
total
17 682
-
51 459
-
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.

44 939
-
115 080
-
unemployment
27
-
69
-
pensions
3 977
-
10 185
-
health
2 993
-
7 664
-
total
6 997
-
17 918
-
Corporate
81 064
133 000
-
-
income
15 401
25 270
-
-
total
15 401
25 270
-
-
Dividends
65 663
107 730
-
-
withholding
9 849
16 159
-
-
total
9 849
16 159
-
-
Income
133 000
133 000
133 000
133 000
Total tax
49 929
41 429
69 377
65 707
After tax
83 071
91 571
63 623
67 293
Living cost
27 258
27 258
27 258
27 258
Free-cash
55 813
64 313
36 365
40 035

Estimated living cost  is ₽27258 per week

₽18707
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1747
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽528
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.
₽6277
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
₽37014
-₽18712
₽48011
₽75711
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
62 951
-
-
-
social contributions
5 162
-
736
-
income
13 886
-
-
-
total
19 048
-
736
-
Employer
62 951
-
-
-
social contributions
88 761
-
12 650
-
total
88 761
-
12 650
-
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
107 809
52 083
13 386
41 086
After tax
25 191
80 917
119 614
91 914
Living cost
43 903
43 903
43 903
43 903
Free-cash
-18 712
37 014
75 711
48 011

Estimated living cost  is ₽43903 per week

₽28486
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4129
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.
₽10728
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
₽43774
₽42750
₽40900
₽32221
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
-
-
-
14 005
surtax
-
-
-
-
social contributions

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

-
-
-
46 218
total
-
-
-
60 223
Employee
46 740
-
107 474
-
social contributions
5 141
-
11 822
-
surtax
-
-
-
-
income
9 722
-
31 556
-
total
14 863
-
43 378
-
Employer
46 740
-
107 474
-
social contributions
11 101
-
25 524
-
total
11 101
-
25 524
-
Corporate
75 159
133 000
-
-
surtax
-
-
-
-
income
15 783
27 929
-
-
total
15 783
27 929
-
-
Dividends
59 376
105 071
-
-
withholding
16 626
29 420
-
-
total
16 626
29 420
-
-
Income
133 000
133 000
133 000
133 000
Total tax
58 373
57 349
68 902
60 223
After tax
74 627
75 651
64 098
72 777
Living cost
31 877
31 877
31 877
31 877
Free-cash
42 750
43 774
32 221
40 900

Estimated living cost  is ₽31877 per week

₽23850
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1880
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽532
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.
₽5614
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
₽17948
₽24936
₽26609
₽29166
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
-
-
-
17 106
pensions
-
-
-
28 101
other
-
-
-
4 123
health
-
-
-
4 187
surtax
-
-
-
-
social contributions
-
-
-
3 790
total
-
-
-
57 307
Employee
63 650
-
105 628
-
social contributions
1 813
-
3 009
-
surtax
-
-
-
-
income
5 554
-
18 141
-
pensions
7 199
-
6 227
-
total
14 566
-
27 377
-
Employer
63 650
-
105 628
-
other
2 197
-
3 644
-
social contributions
191
-
316
-
unemployment
2 578
-
4 278
-
pensions
10 458
-
10 685
-
health
4 455
-
8 450
-
total
19 879
-
27 373
-
Corporate
49 470
133 000
-
-
surtax
-
-
-
-
income
13 851
37 240
-
-
total
13 851
37 240
-
-
Dividends
35 620
95 760
-
-
surtax
-
-
-
-
social contributions
6 125
16 470
-
-
withholding
4 559
12 258
-
-
total
10 684
28 728
-
-
Income
133 000
133 000
133 000
133 000
Total tax
58 980
65 968
54 750
57 307
After tax
74 020
67 032
78 250
75 693
Living cost
49 084
49 084
49 084
49 084
Free-cash
24 936
17 948
29 166
26 609

Estimated living cost  is ₽49084 per week

₽33219
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4015
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽673
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.
₽11176
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
₽89153
₽85738
₽68990
₽72522
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
-
-
-
4 202
social contributions
-
-
-
29 260
total
-
-
-
33 462
Employee
32 672
-
115 151
-
income
-
-
4 596
-
social contributions
2 123
-
7 485
-
total
2 123
-
12 081
-
Employer
32 672
-
115 151
-
social contributions
5 064
-
17 849
-
total
5 064
-
17 849
-
Corporate
95 264
133 000
-
-
income
9 527
13 299
-
-
total
9 527
13 299
-
-
Dividends
85 737
119 701
-
-
total
-
-
-
-
Income
133 000
133 000
133 000
133 000
Total tax
16 714
13 299
29 930
33 462
After tax
116 286
119 701
103 070
99 538
Living cost
30 548
30 548
30 548
30 548
Free-cash
85 738
89 153
72 522
68 990

Estimated living cost  is ₽30548 per week

₽19752
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2303
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽575
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.
₽7919
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
-₽88402
-₽88402
₽32073
-₽88402
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
133 000
municipal
-
-
-
26 339
pensions
-
-
-
881
national
-
-
-
14 199
labour market
-
-
-
10 569
total
-
-
-
51 988
Employee
206 561
206 561
206 561
-
labour market
16 501
16 501
16 501
-
national
25 235
25 235
25 235
-
municipal
43 986
43 986
43 986
-
pensions
294
294
294
-
total
86 016
86 016
86 016
-
Employer
206 561
206 561
206 561
-
labour market
16 525
16 525
16 525
-
municipal
44 056
44 056
44 056
-
pensions
587
587
587
-
national
25 279
25 279
25 279
-
total
86 447
86 447
86 447
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
133 000
133 000
133 000
133 000
Total tax
172 463
172 463
172 463
51 988
After tax
-39 463
-39 463
-39 463
81 012
Living cost
48 939
48 939
48 939
48 939
Free-cash
-88 402
-88 402
-88 402
32 073

Estimated living cost  is ₽48939 per week

₽33495
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4329
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽753
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.
₽10363
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
-₽11095
₽7420
₽69212
₽48804
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
-
-
-
255
income
-
-
-
34 893
pensions
-
-
-
4 198
other
-
-
-
374
health
-
-
-
2 200
total
-
-
-
41 920
Employee
34 400
-
117 062
-
health
3 939
-
13 404
-
income
4 719
-
25 289
-
pensions
3 874
-
7 697
-
total
12 532
-
46 390
-
Employer
34 400
-
117 062
-
accident
574
-
1 955
-
unemployment
843
-
2 868
-
pensions
5 593
-
11 115
-
total
7 010
-
15 938
-
Corporate
91 589
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.

82 430
119 700
-
-
total
82 430
119 700
-
-
Dividends
9 159
13 300
-
-
withholding
1 740
2 527
-
-
total
1 740
2 527
-
-
Income
133 000
133 000
133 000
133 000
Total tax
103 712
122 227
62 328
41 920
After tax
29 288
10 773
70 672
91 080
Living cost
21 868
21 868
21 868
21 868
Free-cash
7 420
-11 095
48 804
69 212

Estimated living cost  is ₽21868 per week

₽15918
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1247
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽410
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.
₽4293
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
₽47017
₽47593
₽51914
₽33677
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
municipal
-
-
-
23 648
health
-
-
-
1 624
national
-
-
-
16 797
total
-
-
-
42 069
Employee
53 468
-
111 886
-
health
399
-
1 300
-
municipal
8 758
-
18 244
-
pensions
3 608
-
7 552
-
unemployment
802
-
1 678
-
national
883
-
10 418
-
total
14 450
-
39 192
-
Employer
53 468
-
111 886
-
accident
54
-
112
-
unemployment
347
-
727
-
pensions
9 276
-
19 413
-
health
411
-
862
-
total
10 088
-
21 114
-
Corporate
69 444
133 000
-
-
income
13 889
26 600
-
-
total
13 889
26 600
-
-
Dividends

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

41 666
79 800
-
-
national
463
6 002
-
-
municipal
7 500
14 364
-
-
total
7 963
20 366
-
-
Income
133 000
133 000
133 000
133 000
Total tax
46 390
46 966
60 306
42 069
After tax
86 610
86 034
72 694
90 931
Living cost
39 017
39 017
39 017
39 017
Free-cash
47 593
47 017
33 677
51 914

Estimated living cost  is ₽39017 per week

₽25486
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3753
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽621
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.
₽9159
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
₽73646
₽68113
₽69552
₽68160
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
-
-
-
20 084
health
-
-
-
3 392
social contributions
-
-
-
16 443
total
-
-
-
39 919
Employee
78 145
78 145
121 996
-
social contributions
2 955
6 486
8 748
-
health
606
1 329
2 073
-
income
8 509
7 234
19 486
-
total
12 070
15 049
30 307
-
Employer
78 145
78 145
121 996
-
social contributions
2 955
6 486
8 748
-
health
658
1 446
2 256
-
total
3 613
7 932
11 004
-
Corporate
93 790
46 922
-
-
income
11 724
5 865
-
-
total
11 724
5 865
-
-
Dividends
82 066
41 058
-
-
withholding
13 951
6 979
-
-
total
13 951
6 979
-
-
Income
133 000
133 000
133 000
133 000
Total tax
41 358
35 825
41 311
39 919
After tax
91 642
97 175
91 689
93 081
Living cost
23 529
23 529
23 529
23 529
Free-cash
68 113
73 646
68 160
69 552

Estimated living cost  is ₽23529 per week

₽14102
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2308
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽521
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.
₽6599
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
₽94003
₽88832
₽93541
₽73160
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
-
-
-
13 153
pensions
-
-
-
6 464
unemployment
-
-
-
29
health
-
-
-
3 678
total
-
-
-
23 324
Employee

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

23 327
-
123 068
-
health
1 983
-
8 196
-
income
1 595
-
10 632
-
pensions
3 498
-
14 464
-
unemployment
116
-
482
-
total
7 192
-
33 774
-
Employer

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

23 327
-
123 068
-
unemployment
116
-
482
-
pensions
1 282
-
5 303
-
health
1 003
-
4 146
-
total
2 401
-
9 931
-
Corporate
107 272
133 000
-
-
income
9 654
11 970
-
-
total
9 654
11 970
-
-
Dividends
97 618
121 030
-
-
withholding
8 786
10 892
-
-
total
8 786
10 892
-
-
Income
133 000
133 000
133 000
133 000
Total tax
28 033
22 862
43 705
23 324
After tax
104 967
110 138
89 295
109 676
Living cost
16 135
16 135
16 135
16 135
Free-cash
88 832
94 003
73 160
93 541

Estimated living cost  is ₽16135 per week

₽10295
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1163
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽480
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.
₽4197
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
₽61262
₽56265
₽46331
₽41447
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
-
-
-
849
income
-
-
-
30 464
pensions
-
-
-
26 656
other
-
-
-
94
unemployment
-
-
-
660
total
-
-
-
58 723
Employee
37 577
-
102 971
-
other
37
-
94
-
income
7 245
-
27 596
-
pensions
1 767
-
4 428
-
unemployment
582
-
1 460
-
total
9 631
-
33 578
-
Employer
37 577
-
102 971
-
accident
744
-
1 865
-
other
301
-
754
-
unemployment
2 067
-
5 180
-
pensions
8 867
-
22 230
-
total
11 979
-
30 029
-
Corporate
83 443
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.

12 516
19 951
-
-
total
12 516
19 951
-
-
Dividends
70 927
113 049
-
-
withholding
14 663
23 841
-
-
total
14 663
23 841
-
-
Income
133 000
133 000
133 000
133 000
Total tax
48 789
43 792
63 607
58 723
After tax
84 211
89 208
69 393
74 277
Living cost
27 946
27 946
27 946
27 946
Free-cash
56 265
61 262
41 447
46 331

Estimated living cost  is ₽27946 per week

₽18863
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2686
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.
₽5907
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
₽80211
₽79755
₽82035
₽81838
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
-
-
-
44 684
pensions
-
-
-
2 029
health
-
-
-
1 471
total
-
-
-
48 184
Employee
4 236
-
130 718
-
health
212
-
507
-
income
820
-
44 577
-
pensions
381
-
913
-
unemployment
42
-
101
-
total
1 455
-
46 098
-
Employer
4 236
-
130 718
-
unemployment
85
-
203
-
pensions
466
-
1 116
-
health
402
-
964
-
total
953
-
2 283
-
Corporate
127 810
133 000
-
-
income
28 118
29 260
-
-
total
28 118
29 260
-
-
Dividends
99 692
103 740
-
-
withholding
19 938
20 748
-
-
total
19 938
20 748
-
-
Income
133 000
133 000
133 000
133 000
Total tax
50 464
50 008
48 381
48 184
After tax
82 536
82 992
84 619
84 816
Living cost
2 781
2 781
2 781
2 781
Free-cash
79 755
80 211
81 838
82 035

Estimated living cost  is ₽2781 per week

₽1653
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽225
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽64
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.
₽839
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
₽78534
₽73537
₽58070
₽58070
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
-
-
-
29 009
pensions
-
-
-
19 509
unemployment
-
-
-
1 126
health
-
-
-
7 728
total
-
-
-
57 372
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.

26 477
-
119 569
-
health
1 364
-
3 864
-
income
3 650
-
29 009
-
pensions
3 707
-
10 505
-
unemployment
199
-
563
-
total
8 920
-
43 941
-
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.

26 477
-
119 569
-
unemployment
199
-
563
-
pensions
3 177
-
9 004
-
health
1 364
-
3 864
-
total
4 740
-
13 431
-
Corporate
101 784
133 000
-
-
income
15 268
19 950
-
-
total
15 268
19 950
-
-
Dividends
86 516
113 050
-
-
withholding
12 977
16 958
-
-
total
12 977
16 958
-
-
Income
133 000
133 000
133 000
133 000
Total tax
41 905
36 908
57 372
57 372
After tax
91 095
96 092
75 628
75 628
Living cost
17 558
17 558
17 558
17 558
Free-cash
73 537
78 534
58 070
58 070

Estimated living cost  is ₽17558 per week

₽11822
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1358
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽508
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.
₽3870
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
₽48253
₽47886
₽45379
₽36700
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
-
-
-
14 005
surtax
-
-
-
-
social contributions

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

-
-
-
46 218
total
-
-
-
60 223
Employee
39 443
-
107 474
-
social contributions
4 339
-
11 822
-
surtax
-
-
-
-
income
7 707
-
31 556
-
total
12 046
-
43 378
-
Employer
39 443
-
107 474
-
social contributions
9 367
-
25 524
-
total
9 367
-
25 524
-
Corporate
84 190
133 000
-
-
surtax
-
-
-
-
income
17 679
27 929
-
-
total
17 679
27 929
-
-
Dividends
66 511
105 071
-
-
withholding
18 624
29 420
-
-
total
18 624
29 420
-
-
Income
133 000
133 000
133 000
133 000
Total tax
57 716
57 349
68 902
60 223
After tax
75 284
75 651
64 098
72 777
Living cost
27 398
27 398
27 398
27 398
Free-cash
47 886
48 253
36 700
45 379

Estimated living cost  is ₽27398 per week

₽19405
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1903
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽486
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.
₽5604
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
₽53492
₽46074
₽38561
₽33677
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
-
-
-
849
income
-
-
-
30 464
pensions
-
-
-
26 656
other
-
-
-
94
unemployment
-
-
-
660
total
-
-
-
58 723
Employee
49 081
-
102 971
-
other
48
-
94
-
income
10 251
-
27 596
-
pensions
2 307
-
4 428
-
unemployment
760
-
1 460
-
total
13 366
-
33 578
-
Employer
49 081
-
102 971
-
accident
972
-
1 865
-
other
393
-
754
-
unemployment
2 700
-
5 180
-
pensions
11 583
-
22 230
-
total
15 648
-
30 029
-
Corporate
68 271
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.

10 241
19 951
-
-
total
10 241
19 951
-
-
Dividends
58 031
113 049
-
-
withholding
11 955
23 841
-
-
total
11 955
23 841
-
-
Income
133 000
133 000
133 000
133 000
Total tax
51 210
43 792
63 607
58 723
After tax
81 790
89 208
69 393
74 277
Living cost
35 716
35 716
35 716
35 716
Free-cash
46 074
53 492
33 677
38 561

Estimated living cost  is ₽35716 per week

₽25650
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2777
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽503
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.
₽6787
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
₽96236
₽90044
₽86094
₽90815
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
pensions

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

-
-
-
5 253
unemployment
-
-
-
142
health
-
-
-
4 082
total
-
-
-
29 427
Employee
23 145
-
126 037
-
health
1 065
-
1 633
-
accident

We are using the highest rate at 1.1%.

254
-
390
-
income
2 315
-
12 604
-
pensions

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

2 032
-
3 116
-
total
5 666
-
17 743
-
Employer
23 145
-
126 037
-
accident

We are using the highest rate at 1.1%.

254
-
390
-
unemployment
139
-
213
-
pensions

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

2 551
-
3 911
-
health
1 597
-
2 449
-
total
4 541
-
6 963
-
Corporate
105 314
133 000
-
-
income
10 531
13 300
-
-
total
10 531
13 300
-
-
Dividends
94 783
119 700
-
-
withholding
4 739
5 985
-
-
total
4 739
5 985
-
-
Income
133 000
133 000
133 000
133 000
Total tax
25 477
19 285
24 706
29 427
After tax
107 523
113 715
108 294
103 573
Living cost
17 479
17 479
17 479
17 479
Free-cash
90 044
96 236
90 815
86 094

Estimated living cost  is ₽17479 per week

₽11561
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1001
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽417
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.
₽4502
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
₽29288
₽42582
₽36525
₽48831
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
trade
-
-
-
12 306
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.

-
-
-
36 010
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.

-
-
-
6 943
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.

-
-
-
1 981
total
-
-
-
57 240
Employee

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

50 565
-
133 000
-
health

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

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

6 943
-
6 943
-
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.

229
-
1 981
-
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.

4 158
-
36 010
-
total
11 330
-
44 934
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
82 435
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.

681
1 097
-
-
income
12 366
19 951
-
-
trade
11 830
19 085
-
-
chamber of commerce
276
349
-
-
total
25 153
40 482
-
-
Dividends
57 283
92 518
-
-
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.

766
1 252
-
-
withholding
13 934
22 743
-
-
total
14 700
23 995
-
-
Income
133 000
133 000
133 000
133 000
Total tax
51 183
64 477
44 934
57 240
After tax
81 817
68 523
88 066
75 760
Living cost
39 235
39 235
39 235
39 235
Free-cash
42 582
29 288
48 831
36 525

Estimated living cost  is ₽39235 per week

₽27065
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4222
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽569
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.
₽7379
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
₽35209
₽37454
₽26217
₽26217
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
-
-
-
36 403
social contributions
-
-
-
12 489
total
-
-
-
48 892
Employee
79 494
-
133 000
-
income
15 000
-
36 403
-
social contributions
6 604
-
12 489
-
total
21 604
-
48 892
-
Employer
79 494
-
133 000
-
total
-
-
-
-
Corporate
53 506
133 000
-
-
income
6 688
16 624
-
-
total
6 688
16 624
-
-
Dividends
46 818
116 376
-
-
withholding
9 363
23 276
-
-
total
9 363
23 276
-
-
Income
133 000
133 000
133 000
133 000
Total tax
37 655
39 900
48 892
48 892
After tax
95 345
93 100
84 108
84 108
Living cost
57 891
57 891
57 891
57 891
Free-cash
37 454
35 209
26 217
26 217

Estimated living cost  is ₽57891 per week

₽44042
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4717
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽553
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.
₽8578
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
₽44192
₽47742
₽60370
₽60482
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
-
-
-
28 928
health

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

-
-
-
6 812
total
-
-
-
35 740
Employee
46 620
-
128 325
-
income
5 059
-
26 278
-
social contributions
4 671
-
4 675
-
total
9 730
-
30 953
-
Employer
46 620
-
128 325
-
social contributions
4 671
-
4 675
-
total
4 671
-
4 675
-
Corporate
81 709
133 000
-
-
income
28 598
46 549
-
-
total
28 598
46 549
-
-
Dividends
53 111
86 451
-
-
social contributions
5 369
5 369
-
-
total
5 369
5 369
-
-
Income
133 000
133 000
133 000
133 000
Total tax
48 368
51 918
35 628
35 740
After tax
84 632
81 082
97 372
97 260
Living cost
36 890
36 890
36 890
36 890
Free-cash
47 742
44 192
60 482
60 370

Estimated living cost  is ₽36890 per week

₽24300
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2908
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.
₽9116
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
₽54152
₽55887
₽53745
₽41444
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
-
-
-
33 002
pensions
-
-
-
8 259
total
-
-
-
41 261
Employee
52 152
-
116 618
-
health
680
-
1 875
-
income
9 497
-
24 800
-
pensions
3 980
-
10 505
-
total
14 157
-
37 180
-
Employer
52 152
-
116 618
-
pensions
5 269
-
14 165
-
health
991
-
2 217
-
total
6 260
-
16 382
-
Corporate
74 588
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.

14 172
25 271
-
-
total
14 172
25 271
-
-
Dividends
60 416
107 729
-
-
withholding
4 530
15 583
-
-
total
4 530
15 583
-
-
Income
133 000
133 000
133 000
133 000
Total tax
39 119
40 854
53 562
41 261
After tax
93 881
92 146
79 438
91 739
Living cost
37 994
37 994
37 994
37 994
Free-cash
55 887
54 152
41 444
53 745

Estimated living cost  is ₽37994 per week

₽26064
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3494
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽475
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.
₽7959
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
-₽13260
₽7087
₽67047
₽46639
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
-
-
-
255
income
-
-
-
34 893
pensions
-
-
-
4 198
other
-
-
-
374
health
-
-
-
2 200
total
-
-
-
41 920
Employee
37 806
-
117 062
-
health
4 329
-
13 404
-
income
5 187
-
25 289
-
pensions
4 257
-
7 697
-
total
13 773
-
46 390
-
Employer
37 806
-
117 062
-
accident
631
-
1 955
-
unemployment
926
-
2 868
-
pensions
6 147
-
11 115
-
total
7 704
-
15 938
-
Corporate
87 490
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.

78 741
119 700
-
-
total
78 741
119 700
-
-
Dividends
8 749
13 300
-
-
withholding
1 662
2 527
-
-
total
1 662
2 527
-
-
Income
133 000
133 000
133 000
133 000
Total tax
101 880
122 227
62 328
41 920
After tax
31 120
10 773
70 672
91 080
Living cost
24 033
24 033
24 033
24 033
Free-cash
7 087
-13 260
46 639
67 047

Estimated living cost  is ₽24033 per week

₽17638
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1400
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽484
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.
₽4511
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

Close
Skopje , Macedonia
₽98224
₽93480
₽61491
₽75772
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
work injury
-
-
-
665
health insurance
-
-
-
9 842
income
-
-
-
21 239
pensions
-
-
-
24 472
unemployment
-
-
-
1 596
total
-
-
-
57 814
Employee

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

21 911
-
133 000
-
work injury
110
-
405
-
income
2 191
-
21 239
-
pensions
4 032
-
14 917
-
health insurance
1 621
-
5 999
-
unemployment
263
-
973
-
total
8 217
-
43 533
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
111 089
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%.

1 111
1 330
-
-
total
1 111
1 330
-
-
Dividends
109 978
131 670
-
-
withholding
16 497
19 751
-
-
total
16 497
19 751
-
-
Income
133 000
133 000
133 000
133 000
Total tax
25 825
21 081
43 533
57 814
After tax
107 175
111 919
89 467
75 186
Living cost
13 695
13 695
13 695
13 695
Free-cash
93 480
98 224
75 772
61 491

Estimated living cost  is ₽13695 per week

₽8484
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽995
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽427
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3788
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
₽29572
₽24948
₽24028
₽17947
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
133 000
municipal
-
-
-
889
regional
-
-
-
2 946
national
-
-
-
30 444
social contributions
-
-
-
34 208
total
-
-
-
68 487
Employee
85 636
-
133 000
-
social contributions
28 876
-
44 848
-
regional
1 293
-
2 527
-
municipal
511
-
793
-
national
14 472
-
26 400
-
total
45 152
-
74 568
-
Employer
85 636
-
133 000
-
total
-
-
-
-
Corporate
47 364
133 000
-
-
nationa
11 367
31 919
-
-
municipal
2 283
6 410
-
-
total
13 650
38 329
-
-
Dividends
33 713
94 670
-
-
withholding
8 765
24 614
-
-
total
8 765
24 614
-
-
Income
133 000
133 000
133 000
133 000
Total tax
67 567
62 943
74 568
68 487
After tax
65 433
70 057
58 432
64 513
Living cost
40 485
40 485
40 485
40 485
Free-cash
24 948
29 572
17 947
24 028

Estimated living cost  is ₽40485 per week

₽28438
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2785
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽611
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.
₽8650
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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