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
₽ 185000
per

Your estimated
City
free-cash

Dresden , Germany
₽62515
₽73758
₽64546
₽86242
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.

-
-
-
185 000
trade
-
-
-
21 696
income

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

-
-
-
57 851
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.

-
-
-
3 182
total
-
-
-
89 672
Employee

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

38 870
-
185 000
-
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
-
3 182
-
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
-
57 851
-
total
8 089
-
67 976
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
146 130
185 000
-
-
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.

1 205
1 525
-
-
income
21 920
27 750
-
-
trade
23 015
29 138
-
-
chamber of commerce
364
420
-
-
total
46 504
58 833
-
-
Dividends
99 625
126 166
-
-
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.

1 348
1 714
-
-
withholding
24 519
31 156
-
-
total
25 867
32 870
-
-
Income
185 000
185 000
185 000
185 000
Total tax
80 460
91 703
67 976
89 672
After tax
104 540
93 297
117 024
95 328
Living cost
30 782
30 782
30 782
30 782
Free-cash
73 758
62 515
86 242
64 546

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
₽64165
₽63313
₽57196
₽58190
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
-
-
-
185 000
municipal
-
-
-
20 315
pensions
-
-
-
22 200
national
-
-
-
32 025
social contributions
-
-
-
1 989
total
-
-
-
76 529
Employee
79 485
-
159 931
-
municipal
9 818
-
21 031
-
pensions
3 179
-
6 397
-
national
15 213
-
33 594
-
total
28 210
-
61 022
-
Employer
79 485
-
159 931
-
social contributions
854
-
1 719
-
pensions
6 359
-
12 794
-
total
7 213
-
14 513
-
Corporate
93 055
185 000
-
-
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%.

18 611
37 000
-
-
total
18 611
37 000
-
-
Dividends
74 444
148 000
-
-
withholding
16 378
32 560
-
-
total
16 378
32 560
-
-
Income
185 000
185 000
185 000
185 000
Total tax
70 412
69 560
75 535
76 529
After tax
114 588
115 440
109 465
108 471
Living cost
51 275
51 275
51 275
51 275
Free-cash
63 313
64 165
58 190
57 196

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
₽126858
₽118522
₽43215
₽56996
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.

-
-
-
185 000
microenterprise
-
-
-
-
income
-
-
-
34 532
surtax
-
-
-
47 174
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
-
-
-
120 643
Employee
29 696
-
140 381
-
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
-
13 322
-
surtax
-
-
20 356
-
income
5 286
-
28 565
-
total
8 553
-
62 243
-
Employer
29 696
-
140 381
-
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
-
29 177
-
surtax
-
-
15 442
-
total
7 153
-
44 619
-
Corporate
148 151
185 000
-
-
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%.

29 630
36 999
-
-
total
29 630
36 999
-
-
Dividends

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

118 521
148 001
-
-
total
-
-
-
-
Income
185 000
185 000
185 000
185 000
Total tax
45 336
36 999
106 862
120 643
After tax
139 664
148 001
78 138
64 357
Living cost
21 142
21 142
21 142
21 142
Free-cash
118 522
126 858
56 996
43 215

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
₽49110
₽42884
₽59145
₽73659
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
-
-
-
185 000
income
-
-
-
58 843
pensions
-
-
-
11 907
health
-
-
-
12 532
total
-
-
-
83 282
Employee
86 784
86 784
166 114
-
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
25 443
-
pensions
15 621
11 907
11 907
-
total
43 146
37 442
49 882
-
Employer
86 784
86 784
166 114
-
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
84 083
83 019
-
-
income
16 817
16 603
-
-
total
16 817
16 603
-
-
Dividends
67 266
66 416
-
-
income
14 294
14 113
-
-
withholding
10 090
9 963
-
-
total
24 384
24 076
-
-
Income
185 000
185 000
185 000
185 000
Total tax
99 543
93 317
68 768
83 282
After tax
85 457
91 683
116 232
101 718
Living cost
42 573
42 573
42 573
42 573
Free-cash
42 884
49 110
73 659
59 145

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
₽61853
₽60974
₽55090
₽54140
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
-
-
-
185 000
municipal
-
-
-
47 753
accident
-
-
-
172
pensions
-
-
-
9 277
other
-
-
-
9 972
unemployment
-
-
-
86
health
-
-
-
5 355
national
-
-
-
18 138
total
-
-
-
90 753
Employee
55 795
-
158 036
-
municipal
16 638
-
47 126
-
national
-
-
17 612
-
total
16 638
-
64 738
-
Employer
55 795
-
158 036
-
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
111 675
185 000
-
-
income
24 569
40 700
-
-
total
24 569
40 700
-
-
Dividends
87 106
144 300
-
-
withholding
26 132
43 290
-
-
total
26 132
43 290
-
-
Income
185 000
185 000
185 000
185 000
Total tax
84 869
83 990
91 703
90 753
After tax
100 131
101 010
93 297
94 247
Living cost
39 157
39 157
39 157
39 157
Free-cash
60 974
61 853
54 140
55 090

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
₽52424
₽66703
₽54441
₽77101
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.

-
-
-
185 000
trade
-
-
-
22 660
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.

-
-
-
57 851
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.

-
-
-
3 182
total
-
-
-
90 636
Employee

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

51 537
-
185 000
-
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
-
3 182
-
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
-
57 851
-
total
11 614
-
67 976
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
133 463
185 000
-
-
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.

1 101
1 525
-
-
income
20 020
27 750
-
-
trade
21 955
30 432
-
-
chamber of commerce
343
417
-
-
total
43 419
60 124
-
-
Dividends
90 044
124 876
-
-
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.

1 217
1 695
-
-
withholding
22 124
30 834
-
-
total
23 341
32 529
-
-
Income
185 000
185 000
185 000
185 000
Total tax
78 374
92 653
67 976
90 636
After tax
106 626
92 347
117 024
94 364
Living cost
39 923
39 923
39 923
39 923
Free-cash
66 703
52 424
77 101
54 441

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
₽101976
₽97763
₽93187
₽91574
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
-
-
-
185 000
income
-
-
-
37 691
health
-
-
-
4 717
social contributions
-
-
-
16 443
total
-
-
-
58 851
Employee
78 145
78 145
173 051
-
social contributions
3 797
6 486
8 748
-
health
777
1 329
2 941
-
income
8 206
7 234
36 826
-
total
12 780
15 049
48 515
-
Employer
78 145
78 145
173 051
-
social contributions
3 797
6 486
8 748
-
health
847
1 446
3 201
-
total
4 644
7 932
11 949
-
Corporate
134 613
98 922
-
-
income
16 827
12 366
-
-
total
16 827
12 366
-
-
Dividends
117 787
86 557
-
-
withholding
20 024
14 715
-
-
total
20 024
14 715
-
-
Income
185 000
185 000
185 000
185 000
Total tax
54 275
50 062
60 464
58 851
After tax
130 725
134 938
124 536
126 149
Living cost
32 962
32 962
32 962
32 962
Free-cash
97 763
101 976
91 574
93 187

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
₽85500
₽85884
₽109750
₽88837
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
-
-
-
185 000
income
-
-
-
22 616
pensions
-
-
-
18 500
unemployment
-
-
-
2 775
health
-
-
-
12 950
total
-
-
-
56 841
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
154 812
-
health
1 860
740
10 837
-
income
3 249
1 293
18 926
-
pensions
2 657
1 058
15 481
-
unemployment
399
159
2 322
-
total
8 165
3 250
47 566
-
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
154 812
-
pensions
5 182
2 062
30 188
-
total
5 182
2 062
30 188
-
Corporate
153 245
172 362
-
-
income
13 792
15 513
-
-
total
13 792
15 513
-
-
Dividends
139 453
156 849
-
-
social contributions
27 072
30 465
-
-
withholding
26 496
29 801
-
-
total
53 568
60 266
-
-
Income
185 000
185 000
185 000
185 000
Total tax
80 707
81 091
77 754
56 841
After tax
104 293
103 909
107 246
128 159
Living cost
18 409
18 409
18 409
18 409
Free-cash
85 884
85 500
88 837
109 750

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
₽123455
₽117141
₽74615
₽82084
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
-
-
-
185 000
income
-
-
-
24 789
pensions
-
-
-
36 999
health
-
-
-
24 051
total
-
-
-
85 839
Employee
28 830
-
138 266
-
income
3 246
-
26 658
-
pensions
577
-
2 766
-
unemployment
461
-
2 212
-
total
4 284
-
31 636
-
Employer
28 830
-
138 266
-
unemployment
231
-
1 107
-
pensions
5 766
-
27 653
-
health
3 747
-
17 974
-
total
9 744
-
46 734
-
Corporate
146 425
185 000
-
-
income
29 285
36 999
-
-
total
29 285
36 999
-
-
Dividends
117 140
148 001
-
-
total
-
-
-
-
Income
185 000
185 000
185 000
185 000
Total tax
43 313
36 999
78 370
85 839
After tax
141 687
148 001
106 630
99 161
Living cost
24 546
24 546
24 546
24 546
Free-cash
117 141
123 455
82 084
74 615

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
-₽7211
₽11581
₽104244
₽78548
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
-
-
-
185 000
accident
-
-
-
255
income
-
-
-
51 533
pensions
-
-
-
4 198
other
-
-
-
374
health
-
-
-
2 200
total
-
-
-
58 560
Employee
34 915
-
167 004
-
health
3 998
-
19 122
-
income
4 790
-
39 441
-
pensions
3 932
-
7 697
-
total
12 720
-
66 260
-
Employer
34 915
-
167 004
-
accident
583
-
2 789
-
unemployment
855
-
4 092
-
pensions
5 677
-
11 115
-
total
7 115
-
17 996
-
Corporate
142 969
185 000
-
-
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.

128 672
166 500
-
-
total
128 672
166 500
-
-
Dividends
14 297
18 500
-
-
withholding
2 716
3 515
-
-
total
2 716
3 515
-
-
Income
185 000
185 000
185 000
185 000
Total tax
151 223
170 015
84 256
58 560
After tax
33 777
14 985
100 744
126 440
Living cost
22 196
22 196
22 196
22 196
Free-cash
11 581
-7 211
78 548
104 244

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
₽166488
₽164752
₽173888
₽138738
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%.

-
-
-
185 000
microenterprise

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

-
-
-
1 850
total
-
-
-
1 850
Employee
11 577
-
185 000
-
income
2 315
-
37 000
-
total
2 315
-
37 000
-
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%.

173 423
185 000
-
-
total
-
-
-
-
Dividends
173 423
185 000
-
-
withholding
8 671
9 250
-
-
total
8 671
9 250
-
-
Income
185 000
185 000
185 000
185 000
Total tax
10 986
9 250
37 000
1 850
After tax
174 014
175 750
148 000
183 150
Living cost
9 262
9 262
9 262
9 262
Free-cash
164 752
166 488
138 738
173 888

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
₽108839
₽101977
₽77549
₽77626
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
-
-
-
185 000
income
-
-
-
29 142
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.

-
-
-
37 090
other
-
-
-
7 340
health
-
-
-
6 800
total
-
-
-
80 372
Employee
36 899
-
147 762
-
health
517
-
2 069
-
income
6 353
-
29 167
-
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
-
10 345
-
unemployment
368
-
1 477
-
total
9 820
-
43 058
-
Employer
36 899
-
147 762
-
accident
295
-
1 182
-
other
1 846
-
7 388
-
unemployment
368
-
1 477
-
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
-
25 121
-
health
517
-
2 069
-
total
9 300
-
37 237
-
Corporate
138 801
185 000
-
-
income
29 148
38 851
-
-
total
29 148
38 851
-
-
Dividends
109 653
146 149
-
-
withholding
7 676
10 231
-
-
total
7 676
10 231
-
-
Income
185 000
185 000
185 000
185 000
Total tax
55 944
49 082
80 295
80 372
After tax
129 056
135 918
104 705
104 628
Living cost
27 079
27 079
27 079
27 079
Free-cash
101 977
108 839
77 626
77 549

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
₽52167
₽56154
₽53907
₽37187
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
-
-
-
185 000
income
-
-
-
53 384
pensions
-
-
-
9 300
total
-
-
-
62 684
Employee
96 788
-
161 563
-
health
1 595
-
2 323
-
income
17 447
-
42 240
-
pensions
9 337
-
11 404
-
total
28 379
-
55 967
-
Employer
96 788
-
161 563
-
pensions
11 428
-
20 367
-
health
1 838
-
3 070
-
total
13 266
-
23 437
-
Corporate
74 946
185 000
-
-
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.

14 239
35 151
-
-
total
14 239
35 151
-
-
Dividends
60 707
149 849
-
-
withholding
4 553
29 273
-
-
total
4 553
29 273
-
-
Income
185 000
185 000
185 000
185 000
Total tax
60 437
64 424
79 404
62 684
After tax
124 563
120 576
105 596
122 316
Living cost
68 409
68 409
68 409
68 409
Free-cash
56 154
52 167
37 187
53 907

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
₽144853
₽140134
₽134451
₽141773
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
-
-
-
185 000
income
-
-
-
27 750
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
-
-
-
37 227
Employee
17 640
-
178 037
-
health
811
-
1 633
-
accident

We are using the highest rate at 1.1%.

194
-
390
-
income
1 764
-
17 803
-
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
-
22 942
-
Employer
17 640
-
178 037
-
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
163 898
185 000
-
-
income
16 390
18 500
-
-
total
16 390
18 500
-
-
Dividends
147 509
166 500
-
-
withholding
7 375
8 325
-
-
total
7 375
8 325
-
-
Income
185 000
185 000
185 000
185 000
Total tax
31 544
26 825
29 905
37 227
After tax
153 456
158 175
155 095
147 773
Living cost
13 322
13 322
13 322
13 322
Free-cash
140 134
144 853
141 773
134 451

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
₽35330
₽37886
₽45365
₽59879
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
-
-
-
185 000
income
-
-
-
58 843
pensions
-
-
-
11 907
health
-
-
-
12 532
total
-
-
-
83 282
Employee
94 220
86 784
166 114
-
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
25 443
-
pensions
11 907
11 907
11 907
-
total
37 866
37 442
49 882
-
Employer
94 220
86 784
166 114
-
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
74 283
83 019
-
-
income
14 857
16 603
-
-
total
14 857
16 603
-
-
Dividends
59 426
66 416
-
-
income
12 628
14 113
-
-
withholding
8 914
9 963
-
-
total
21 542
24 076
-
-
Income
185 000
185 000
185 000
185 000
Total tax
90 761
93 317
68 768
83 282
After tax
94 239
91 683
116 232
101 718
Living cost
56 353
56 353
56 353
56 353
Free-cash
37 886
35 330
59 879
45 365

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
₽103084
₽94418
₽81647
₽73703
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
-
-
-
185 000
income
-
-
-
18 761
health
-
-
-
24 975
solidarity contribution
-
-
-
376
social contributions
-
-
-
34 952
total
-
-
-
79 064
Employee
35 720
-
142 271
-
social contributions
2 322
-
7 780
-
health
4 822
-
19 207
-
solidarity contribution
-
-
-
-
income
4 286
-
17 293
-
total
11 430
-
44 280
-
Employer
35 720
-
142 271
-
social contributions
8 930
-
29 924
-
health
3 215
-
12 804
-
total
12 145
-
42 728
-
Corporate
137 135
185 000
-
-
income
26 056
35 150
-
-
total
26 056
35 150
-
-
Dividends
111 080
149 850
-
-
withholding
16 662
22 477
-
-
total
16 662
22 477
-
-
Income
185 000
185 000
185 000
185 000
Total tax
66 293
57 627
87 008
79 064
After tax
118 707
127 373
97 992
105 936
Living cost
24 289
24 289
24 289
24 289
Free-cash
94 418
103 084
73 703
81 647

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
₽55823
₽50517
₽45186
₽36826
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
-
-
-
185 000
municipal
-
-
-
1 099
regional
-
-
-
2 189
national
-
-
-
46 061
social contributions
-
-
-
47 583
total
-
-
-
96 932
Employee
90 319
-
185 000
-
social contributions
30 456
-
62 383
-
regional
852
-
1 933
-
municipal
478
-
982
-
national
15 650
-
39 994
-
total
47 436
-
105 292
-
Employer
90 319
-
185 000
-
total
-
-
-
-
Corporate
94 681
185 000
-
-
nationa
22 724
44 401
-
-
municipal
3 693
7 215
-
-
total
26 417
51 616
-
-
Dividends
68 264
133 384
-
-
withholding
17 748
34 679
-
-
total
17 748
34 679
-
-
Income
185 000
185 000
185 000
185 000
Total tax
91 601
86 295
105 292
96 932
After tax
93 399
98 705
79 708
88 068
Living cost
42 882
42 882
42 882
42 882
Free-cash
50 517
55 823
36 826
45 186

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
₽93940
₽90778
₽65041
₽58827
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
-
-
-
185 000
income
-
-
-
52 335
pensions
-
-
-
27 127
other
-
-
-
-
unemployment
-
-
-
231
health
-
-
-
9 629
surtax
-
-
-
8 212
total
-
-
-
97 534
Employee
33 607
-
156 450
-
other
-
-
-
-
health
858
-
3 458
-
surtax
110
-
6 997
-
income
5 633
-
46 256
-
pensions
2 241
-
9 047
-
unemployment
2 339
-
9 440
-
total
11 181
-
75 198
-
Employer
33 607
-
156 450
-
other
-
-
-
-
unemployment
1 065
-
4 299
-
pensions
4 480
-
18 080
-
health
1 529
-
6 171
-
total
7 074
-
28 550
-
Corporate
144 319
185 000
-
-
income
37 524
48 100
-
-
total
37 524
48 100
-
-
Dividends
106 795
136 900
-
-
withholding
16 018
20 535
-
-
total
16 018
20 535
-
-
Income
185 000
185 000
185 000
185 000
Total tax
71 797
68 635
103 748
97 534
After tax
113 203
116 365
81 252
87 466
Living cost
22 425
22 425
22 425
22 425
Free-cash
90 778
93 940
58 827
65 041

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
₽73841
₽80599
₽75581
₽58861
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
-
-
-
185 000
income
-
-
-
53 384
pensions
-
-
-
9 300
total
-
-
-
62 684
Employee
64 865
-
161 563
-
health
942
-
2 323
-
income
11 682
-
42 240
-
pensions
5 506
-
11 404
-
total
18 130
-
55 967
-
Employer
64 865
-
161 563
-
pensions
7 022
-
20 367
-
health
1 232
-
3 070
-
total
8 254
-
23 437
-
Corporate
111 882
185 000
-
-
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.

21 259
35 151
-
-
total
21 259
35 151
-
-
Dividends
90 623
149 849
-
-
withholding
10 023
29 273
-
-
total
10 023
29 273
-
-
Income
185 000
185 000
185 000
185 000
Total tax
57 666
64 424
79 404
62 684
After tax
127 334
120 576
105 596
122 316
Living cost
46 735
46 735
46 735
46 735
Free-cash
80 599
73 841
58 861
75 581

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
₽6982
₽40191
₽71555
₽63193
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
-
-
-
185 000
city
-
-
-
1 950
pensions
-
-
-
17 020
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.

-
-
-
3 700
regional
-
-
-
9 357
health
-
-
-
417
national
-
-
-
3 388
total
-
-
-
35 832
Employee
90 828
-
165 586
-
city
975
-
1 778
-
regional
2 974
-
8 063
-
health
205
-
373
-
pensions
7 631
-
13 908
-
unemployment
-
-
-
-
national
430
-
2 480
-
total
12 215
-
26 602
-
Employer
90 828
-
165 586
-
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
-
3 311
-
unemployment
-
-
-
-
pensions
7 631
-
13 908
-
health
205
-
373
-
total
9 652
-
17 592
-
Corporate
83 522
185 000
-
-
regional
17 665
39 128
-
-
national
7 098
15 726
-
-
total
24 763
54 854
-
-
Dividends
58 758
130 146
-
-
withholding
20 566
45 551
-
-
total
20 566
45 551
-
-
Income
185 000
185 000
185 000
185 000
Total tax
67 196
100 405
44 194
35 832
After tax
117 804
84 595
140 806
149 168
Living cost
77 613
77 613
77 613
77 613
Free-cash
40 191
6 982
63 193
71 555

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
₽44839
₽61318
₽46844
₽70469
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.

-
-
-
185 000
trade
-
-
-
23 625
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.

-
-
-
57 851
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.

-
-
-
3 182
total
-
-
-
91 601
Employee

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

61 075
-
185 000
-
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
-
3 182
-
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
-
57 851
-
total
14 520
-
67 976
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
123 925
185 000
-
-
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.

1 022
1 525
-
-
income
18 589
27 750
-
-
trade
21 253
31 728
-
-
chamber of commerce
328
415
-
-
total
41 192
61 418
-
-
Dividends
82 733
123 582
-
-
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.

1 117
1 678
-
-
withholding
20 298
30 510
-
-
total
21 415
32 188
-
-
Income
185 000
185 000
185 000
185 000
Total tax
77 127
93 606
67 976
91 601
After tax
107 873
91 394
117 024
93 399
Living cost
46 555
46 555
46 555
46 555
Free-cash
61 318
44 839
70 469
46 844

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
₽58470
₽64472
₽69386
₽66204
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
-
-
-
185 000
income
-
-
-
29 412
pensions
-
-
-
32 417
other
-
-
-
5 735
health
-
-
-
8 009
surtax
-
-
-
-
social contributions
-
-
-
5 271
total
-
-
-
80 844
Employee
43 494
-
143 019
-
social contributions
1 240
-
4 075
-
surtax
-
-
-
-
income
2 567
-
27 959
-
pensions
4 918
-
10 011
-
total
8 725
-
42 045
-
Employer
43 494
-
143 019
-
other
1 500
-
5 607
-
social contributions
131
-
428
-
unemployment
1 761
-
5 791
-
pensions
7 145
-
16 843
-
health
3 045
-
13 312
-
total
13 582
-
41 981
-
Corporate
127 923
185 000
-
-
surtax
-
-
-
-
income
35 819
51 801
-
-
total
35 819
51 801
-
-
Dividends
92 104
133 199
-
-
surtax
-
-
-
-
social contributions
15 843
22 909
-
-
withholding
11 789
17 050
-
-
total
27 632
39 959
-
-
Income
185 000
185 000
185 000
185 000
Total tax
85 758
91 760
84 026
80 844
After tax
99 242
93 240
100 974
104 156
Living cost
34 770
34 770
34 770
34 770
Free-cash
64 472
58 470
66 204
69 386

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
₽61915
₽67564
₽72831
₽69649
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
-
-
-
185 000
income
-
-
-
29 412
pensions
-
-
-
32 417
other
-
-
-
5 735
health
-
-
-
8 009
surtax
-
-
-
-
social contributions
-
-
-
5 271
total
-
-
-
80 844
Employee
38 825
-
143 019
-
social contributions
1 107
-
4 075
-
surtax
-
-
-
-
income
2 002
-
27 959
-
pensions
4 391
-
10 011
-
total
7 500
-
42 045
-
Employer
38 825
-
143 019
-
other
1 340
-
5 607
-
social contributions
116
-
428
-
unemployment
1 572
-
5 791
-
pensions
6 380
-
16 843
-
health
2 717
-
13 312
-
total
12 125
-
41 981
-
Corporate
134 050
185 000
-
-
surtax
-
-
-
-
income
37 533
51 801
-
-
total
37 533
51 801
-
-
Dividends
96 517
133 199
-
-
surtax
-
-
-
-
social contributions
16 599
22 909
-
-
withholding
12 354
17 050
-
-
total
28 953
39 959
-
-
Income
185 000
185 000
185 000
185 000
Total tax
86 111
91 760
84 026
80 844
After tax
98 889
93 240
100 974
104 156
Living cost
31 325
31 325
31 325
31 325
Free-cash
67 564
61 915
69 649
72 831

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
₽91319
₽91844
₽97257
₽93265
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
-
-
-
185 000
income
-
-
-
27 750
health
-
-
-
12 914
social contributions
-
-
-
25 530
total
-
-
-
66 194
Employee
34 457
-
185 000
-
social contributions
4 756
-
25 530
-
health
2 405
-
12 914
-
income
5 747
-
31 742
-
total
12 908
-
70 186
-
Employer
34 457
-
185 000
-
total
-
-
-
-
Corporate
150 543
185 000
-
-
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%.

7 527
9 249
-
-
total
7 527
9 249
-
-
Dividends
143 016
175 751
-
-
health
9 982
12 267
-
-
social contributions
19 737
24 253
-
-
withholding
21 453
26 363
-
-
total
51 172
62 883
-
-
Income
185 000
185 000
185 000
185 000
Total tax
71 607
72 132
70 186
66 194
After tax
113 393
112 868
114 814
118 806
Living cost
21 549
21 549
21 549
21 549
Free-cash
91 844
91 319
93 265
97 257

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
₽66494
₽64919
₽59156
₽13150
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
-
-
-
185 000
chamber of commerce
-
-
-
741
income
-
-
-
51 814
pensions
-
-
-
21 964
unemployment
-
-
-
6 233
health
-
-
-
9 082
surtax
-
-
-
201
total
-
-
-
90 035
Employee
50 788
40 499
148 462
-
other
507
405
1 188
-
health
1 965
1 568
4 594
-
income
5 782
2 987
41 849
-
pensions
5 201
4 146
12 158
-
unemployment
1 524
1 215
3 562
-
total
14 979
10 321
63 351
-
Employer
50 788
40 499
148 462
-
accident
660
526
1 543
-
other
2 413
1 923
6 798
-
chamber of commerce
202
162
594
-
unemployment
1 524
1 215
3 562
-
surtax
201
201
201
-
pensions
6 374
5 084
14 900
-
payroll
1 524
1 215
4 453
-
health
1 919
1 531
4 488
-
total
14 817
11 857
36 539
-
Corporate
119 397
132 644
144 605
-
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.

29 850
33 161
36 151
-
total
29 850
33 161
36 151
-
Dividends
89 547
99 483
-
-
withholding
24 626
27 358
-
-
total
24 626
27 358
-
-
Income
185 000
185 000
185 000
185 000
Total tax
84 272
82 697
136 041
90 035
After tax
100 728
102 303
48 959
94 965
Living cost
35 809
35 809
35 809
35 809
Free-cash
64 919
66 494
13 150
59 156

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
₽66397
₽51157
₽43190
₽27745
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
-
-
-
185 000
national
-
-
-
69 840
communal

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

-
-
-
9 579
social contributions
-
-
-
25 337
total
-
-
-
104 756
Employee

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

72 694
-
143 288
-
communal

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

3 792
-
7 473
-
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
-
6 734
-
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
-
10 746
-
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
-
1 246
-
national
22 349
-
52 289
-
total
35 641
-
78 488
-
Employer

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

72 694
-
143 288
-
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
-
1 863
-
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
-
2 092
-
surtax
8 243
-
16 250
-
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
-
12 696
-
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
-
8 812
-
total
21 160
-
41 713
-
Corporate
91 146
185 000
-
-
surtax
364
741
-
-
income
18 229
36 999
-
-
total
18 593
37 740
-
-
Dividends
72 553
147 260
-
-
withholding

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

21 395
43 809
-
-
total
21 395
43 809
-
-
Income
185 000
185 000
185 000
185 000
Total tax
96 789
81 549
120 201
104 756
After tax
88 211
103 451
64 799
80 244
Living cost
37 054
37 054
37 054
37 054
Free-cash
51 157
66 397
27 745
43 190

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
₽86541
₽79579
₽67054
₽62791
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
-
-
-
185 000
accident
-
-
-
849
income
-
-
-
52 986
pensions
-
-
-
26 656
other
-
-
-
94
unemployment
-
-
-
660
total
-
-
-
81 245
Employee
50 587
-
154 971
-
other
50
-
94
-
income
10 674
-
49 497
-
pensions
2 378
-
4 428
-
unemployment
785
-
1 460
-
total
13 887
-
55 479
-
Employer
50 587
-
154 971
-
accident
1 001
-
1 865
-
other
403
-
754
-
unemployment
2 783
-
5 180
-
pensions
11 938
-
22 230
-
total
16 125
-
30 029
-
Corporate
118 289
185 000
-
-
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.

17 743
27 750
-
-
total
17 743
27 750
-
-
Dividends
100 546
157 250
-
-
withholding
20 965
34 008
-
-
total
20 965
34 008
-
-
Income
185 000
185 000
185 000
185 000
Total tax
68 720
61 758
85 508
81 245
After tax
116 280
123 242
99 492
103 755
Living cost
36 701
36 701
36 701
36 701
Free-cash
79 579
86 541
62 791
67 054

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
₽52577
₽39387
₽35567
₽42944
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
-
-
-
185 000
accident
-
-
-
1 560
income
-
-
-
31 055
pensions
-
-
-
27 729
health
-
-
-
12 996
surtax
-
-
-
9 172
communal
-
-
-
11 693
total
-
-
-
94 205
Employee
76 960
-
165 254
-
health
3 425
-
7 354
-
surtax
4 717
-
10 127
-
income
7 434
-
36 381
-
pensions
6 156
-
13 220
-
total
21 732
-
67 082
-
Employer
76 960
-
165 254
-
accident
692
-
1 487
-
pensions
6 156
-
13 220
-
health
2 347
-
5 039
-
total
9 195
-
19 746
-
Corporate
98 844
185 000
-
-
surtax
1 038
1 942
-
-
communal
6 673
12 487
-
-
income
14 827
27 750
-
-
total
22 538
42 179
-
-
Dividends
76 307
142 821
-
-
income
25 474
13 594
-
-
withholding
11 446
21 422
-
-
total
36 920
35 016
-
-
Income
185 000
185 000
185 000
185 000
Total tax
90 385
77 195
86 828
94 205
After tax
94 615
107 805
98 172
90 795
Living cost
55 228
55 228
55 228
55 228
Free-cash
39 387
52 577
42 944
35 567

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
₽93539
₽90307
₽64640
₽58426
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
-
-
-
185 000
income
-
-
-
52 335
pensions
-
-
-
27 127
other
-
-
-
-
unemployment
-
-
-
231
health
-
-
-
9 629
surtax
-
-
-
8 212
total
-
-
-
97 534
Employee
34 224
-
156 450
-
other
-
-
-
-
health
874
-
3 458
-
surtax
121
-
6 997
-
income
5 737
-
46 256
-
pensions
2 283
-
9 047
-
unemployment
2 382
-
9 440
-
total
11 397
-
75 198
-
Employer
34 224
-
156 450
-
other
-
-
-
-
unemployment
1 086
-
4 299
-
pensions
4 563
-
18 080
-
health
1 556
-
6 171
-
total
7 205
-
28 550
-
Corporate
143 571
185 000
-
-
income
37 329
48 100
-
-
total
37 329
48 100
-
-
Dividends
106 242
136 900
-
-
withholding
15 936
20 535
-
-
total
15 936
20 535
-
-
Income
185 000
185 000
185 000
185 000
Total tax
71 867
68 635
103 748
97 534
After tax
113 133
116 365
81 252
87 466
Living cost
22 826
22 826
22 826
22 826
Free-cash
90 307
93 539
58 426
64 640

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
₽69864
₽67608
₽60091
₽51776
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
-
-
-
185 000
municipal
-
-
-
1 099
regional
-
-
-
2 790
national
-
-
-
46 061
social contributions
-
-
-
47 583
total
-
-
-
97 533
Employee
56 373
-
185 000
-
social contributions
19 010
-
62 383
-
regional
759
-
2 489
-
municipal
299
-
982
-
national
8 931
-
39 994
-
total
28 999
-
105 848
-
Employer
56 373
-
185 000
-
total
-
-
-
-
Corporate
128 627
185 000
-
-
nationa
30 870
44 401
-
-
municipal
6 393
9 195
-
-
total
37 263
53 596
-
-
Dividends
91 363
131 404
-
-
withholding
23 754
34 164
-
-
total
23 754
34 164
-
-
Income
185 000
185 000
185 000
185 000
Total tax
90 016
87 760
105 848
97 533
After tax
94 984
97 240
79 152
87 467
Living cost
27 376
27 376
27 376
27 376
Free-cash
67 608
69 864
51 776
60 091

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
₽97442
₽86765
₽76005
₽68061
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
-
-
-
185 000
income
-
-
-
18 761
health
-
-
-
24 975
solidarity contribution
-
-
-
376
social contributions
-
-
-
34 952
total
-
-
-
79 064
Employee
44 016
-
142 271
-
social contributions
2 861
-
7 780
-
health
5 942
-
19 207
-
solidarity contribution
-
-
-
-
income
5 282
-
17 293
-
total
14 085
-
44 280
-
Employer
44 016
-
142 271
-
social contributions
11 004
-
29 924
-
health
3 961
-
12 804
-
total
14 965
-
42 728
-
Corporate
126 018
185 000
-
-
income
23 943
35 150
-
-
total
23 943
35 150
-
-
Dividends
102 075
149 850
-
-
withholding
15 311
22 477
-
-
total
15 311
22 477
-
-
Income
185 000
185 000
185 000
185 000
Total tax
68 304
57 627
87 008
79 064
After tax
116 696
127 373
97 992
105 936
Living cost
29 931
29 931
29 931
29 931
Free-cash
86 765
97 442
68 061
76 005

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
₽69991
₽69487
₽62744
₽16587
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
-
-
-
185 000
chamber of commerce
-
-
-
741
income
-
-
-
51 814
pensions
-
-
-
21 964
unemployment
-
-
-
6 233
health
-
-
-
9 082
surtax
-
-
-
-
total
-
-
-
89 834
Employee
44 424
40 499
148 649
-
other
444
405
1 188
-
health
1 718
1 568
4 594
-
income
3 957
2 987
41 938
-
pensions
4 549
4 146
12 158
-
unemployment
1 333
1 215
3 562
-
total
12 001
10 321
63 440
-
Employer
44 424
40 499
148 649
-
accident
577
526
1 543
-
other
2 110
1 923
6 806
-
chamber of commerce
177
162
594
-
unemployment
1 333
1 215
3 562
-
surtax
-
-
-
-
pensions
5 575
5 084
14 900
-
payroll
1 333
1 215
4 459
-
health
1 680
1 531
4 488
-
total
12 785
11 656
36 352
-
Corporate
127 792
132 844
144 792
-
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.

31 948
33 211
36 199
-
total
31 948
33 211
36 199
-
Dividends
95 844
99 633
-
-
withholding
26 357
27 399
-
-
total
26 357
27 399
-
-
Income
185 000
185 000
185 000
185 000
Total tax
83 091
82 587
135 991
89 834
After tax
101 909
102 413
49 009
95 166
Living cost
32 422
32 422
32 422
32 422
Free-cash
69 487
69 991
16 587
62 744

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
₽161317
₽158610
₽168717
₽133567
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%.

-
-
-
185 000
microenterprise

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

-
-
-
1 850
total
-
-
-
1 850
Employee
18 042
-
185 000
-
income
3 609
-
37 000
-
total
3 609
-
37 000
-
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%.

166 958
185 000
-
-
total
-
-
-
-
Dividends
166 958
185 000
-
-
withholding
8 348
9 250
-
-
total
8 348
9 250
-
-
Income
185 000
185 000
185 000
185 000
Total tax
11 957
9 250
37 000
1 850
After tax
173 043
175 750
148 000
183 150
Living cost
14 433
14 433
14 433
14 433
Free-cash
158 610
161 317
133 567
168 717

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
₽100115
₽91615
₽62792
₽57892
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.

-
-
-
185 000
income
-
-
-
42 682
pensions
-
-
-
33 786
unemployment
-
-
-
278
health
-
-
-
18 204
total
-
-
-
94 950
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
-
160 076
-
health
2 902
-
10 341
-
income
7 750
-
39 548
-
pensions
6 966
-
24 813
-
unemployment
64
-
224
-
total
17 682
-
74 926
-
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
-
160 076
-
unemployment
27
-
96
-
pensions
3 977
-
14 167
-
health
2 993
-
10 661
-
total
6 997
-
24 924
-
Corporate
133 064
185 000
-
-
income
25 281
35 150
-
-
total
25 281
35 150
-
-
Dividends
107 783
149 850
-
-
withholding
16 167
22 477
-
-
total
16 167
22 477
-
-
Income
185 000
185 000
185 000
185 000
Total tax
66 127
57 627
99 850
94 950
After tax
118 873
127 373
85 150
90 050
Living cost
27 258
27 258
27 258
27 258
Free-cash
91 615
100 115
57 892
62 792

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
₽68651
₽20253
₽83947
₽127711
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
-
-
-
185 000
income
-
-
-
36 060
social contributions
-
-
-
21 090
total
-
-
-
57 150
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
33 288
185 000
-
-
income
7 323
40 700
-
-
total
7 323
40 700
-
-
Dividends
25 964
144 300
-
-
income
5 712
31 746
-
-
total
5 712
31 746
-
-
Income
185 000
185 000
185 000
185 000
Total tax
120 844
72 446
13 386
57 150
After tax
64 156
112 554
171 614
127 850
Living cost
43 903
43 903
43 903
43 903
Free-cash
20 253
68 651
127 711
83 947

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
₽73350
₽72328
₽66814
₽52790
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.

-
-
-
185 000
income
-
-
-
22 021
surtax
-
-
-
-
social contributions

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

-
-
-
64 288
total
-
-
-
86 309
Employee
46 740
-
149 496
-
social contributions
5 141
-
16 445
-
surtax
-
-
-
-
income
9 722
-
48 384
-
total
14 863
-
64 829
-
Employer
46 740
-
149 496
-
social contributions
11 101
-
35 504
-
total
11 101
-
35 504
-
Corporate
127 159
185 000
-
-
surtax
-
-
-
-
income
26 703
38 851
-
-
total
26 703
38 851
-
-
Dividends
100 457
146 149
-
-
withholding
28 128
40 922
-
-
total
28 128
40 922
-
-
Income
185 000
185 000
185 000
185 000
Total tax
80 795
79 773
100 333
86 309
After tax
104 205
105 227
84 667
98 691
Living cost
31 877
31 877
31 877
31 877
Free-cash
72 328
73 350
52 790
66 814

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
₽44156
₽51144
₽55072
₽51890
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
-
-
-
185 000
income
-
-
-
29 412
pensions
-
-
-
32 417
other
-
-
-
5 735
health
-
-
-
8 009
surtax
-
-
-
-
social contributions
-
-
-
5 271
total
-
-
-
80 844
Employee
63 650
-
143 019
-
social contributions
1 813
-
4 075
-
surtax
-
-
-
-
income
5 554
-
27 959
-
pensions
7 199
-
10 011
-
total
14 566
-
42 045
-
Employer
63 650
-
143 019
-
other
2 197
-
5 607
-
social contributions
191
-
428
-
unemployment
2 578
-
5 791
-
pensions
10 458
-
16 843
-
health
4 455
-
13 312
-
total
19 879
-
41 981
-
Corporate
101 470
185 000
-
-
surtax
-
-
-
-
income
28 411
51 801
-
-
total
28 411
51 801
-
-
Dividends
73 059
133 199
-
-
surtax
-
-
-
-
social contributions
12 564
22 909
-
-
withholding
9 352
17 050
-
-
total
21 916
39 959
-
-
Income
185 000
185 000
185 000
185 000
Total tax
84 772
91 760
84 026
80 844
After tax
100 228
93 240
100 974
104 156
Living cost
49 084
49 084
49 084
49 084
Free-cash
51 144
44 156
51 890
55 072

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
₽135951
₽132539
₽105494
₽110408
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
-
-
-
185 000
income
-
-
-
8 258
social contributions
-
-
-
40 700
total
-
-
-
48 958
Employee
32 672
-
160 172
-
income
-
-
8 804
-
social contributions
2 123
-
10 412
-
total
2 123
-
19 216
-
Employer
32 672
-
160 172
-
social contributions
5 064
-
24 828
-
total
5 064
-
24 828
-
Corporate
147 264
185 000
-
-
income
14 726
18 501
-
-
total
14 726
18 501
-
-
Dividends
132 538
166 499
-
-
total
-
-
-
-
Income
185 000
185 000
185 000
185 000
Total tax
21 913
18 501
44 044
48 958
After tax
163 087
166 499
140 956
136 042
Living cost
30 548
30 548
30 548
30 548
Free-cash
132 539
135 951
110 408
105 494

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
-₽36402
-₽36402
₽59822
-₽36402
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
-
-
-
185 000
municipal
-
-
-
38 715
pensions
-
-
-
881
national
-
-
-
21 913
labour market
-
-
-
14 730
total
-
-
-
76 239
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
185 000
185 000
185 000
185 000
Total tax
172 463
172 463
172 463
76 239
After tax
12 537
12 537
12 537
108 761
Living cost
48 939
48 939
48 939
48 939
Free-cash
-36 402
-36 402
-36 402
59 822

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
-₽6883
₽11632
₽104572
₽78876
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
-
-
-
185 000
accident
-
-
-
255
income
-
-
-
51 533
pensions
-
-
-
4 198
other
-
-
-
374
health
-
-
-
2 200
total
-
-
-
58 560
Employee
34 400
-
167 004
-
health
3 939
-
19 122
-
income
4 719
-
39 441
-
pensions
3 874
-
7 697
-
total
12 532
-
66 260
-
Employer
34 400
-
167 004
-
accident
574
-
2 789
-
unemployment
843
-
4 092
-
pensions
5 593
-
11 115
-
total
7 010
-
17 996
-
Corporate
143 589
185 000
-
-
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.

129 230
166 500
-
-
total
129 230
166 500
-
-
Dividends
14 359
18 500
-
-
withholding
2 728
3 515
-
-
total
2 728
3 515
-
-
Income
185 000
185 000
185 000
185 000
Total tax
151 500
170 015
84 256
58 560
After tax
33 500
14 985
100 744
126 440
Living cost
21 868
21 868
21 868
21 868
Free-cash
11 632
-6 883
78 876
104 572

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
₽76536
₽79235
₽79437
₽57651
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

-
-
-
185 000
municipal
-
-
-
32 864
health
-
-
-
2 424
national
-
-
-
31 258
total
-
-
-
66 546
Employee
53 468
-
155 632
-
health
399
-
1 973
-
municipal
8 758
-
25 347
-
pensions
3 608
-
10 505
-
unemployment
802
-
2 334
-
national
883
-
18 805
-
total
14 450
-
58 964
-
Employer
53 468
-
155 632
-
accident
54
-
156
-
unemployment
347
-
1 012
-
pensions
9 276
-
27 002
-
health
411
-
1 198
-
total
10 088
-
29 368
-
Corporate
121 444
185 000
-
-
income
24 288
36 999
-
-
total
24 288
36 999
-
-
Dividends

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

72 867
111 001
-
-
national
4 806
12 468
-
-
municipal
13 116
19 980
-
-
total
17 922
32 448
-
-
Income
185 000
185 000
185 000
185 000
Total tax
66 748
69 447
88 332
66 546
After tax
118 252
115 553
96 668
118 454
Living cost
39 017
39 017
39 017
39 017
Free-cash
79 235
76 536
57 651
79 437

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
₽111409
₽105879
₽102620
₽101007
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
-
-
-
185 000
income
-
-
-
37 691
health
-
-
-
4 717
social contributions
-
-
-
16 443
total
-
-
-
58 851
Employee
78 145
78 145
173 051
-
social contributions
2 955
6 486
8 748
-
health
606
1 329
2 941
-
income
8 509
7 234
36 826
-
total
12 070
15 049
48 515
-
Employer
78 145
78 145
173 051
-
social contributions
2 955
6 486
8 748
-
health
658
1 446
3 201
-
total
3 613
7 932
11 949
-
Corporate
145 790
98 922
-
-
income
18 223
12 366
-
-
total
18 223
12 366
-
-
Dividends
127 567
86 557
-
-
withholding
21 686
14 715
-
-
total
21 686
14 715
-
-
Income
185 000
185 000
185 000
185 000
Total tax
55 592
50 062
60 464
58 851
After tax
129 408
134 938
124 536
126 149
Living cost
23 529
23 529
23 529
23 529
Free-cash
105 879
111 409
101 007
102 620

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
₽137065
₽131892
₽139821
₽119440
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
-
-
-
185 000
income
-
-
-
18 873
pensions
-
-
-
6 464
unemployment
-
-
-
29
health
-
-
-
3 678
total
-
-
-
29 044
Employee

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

23 327
-
175 068
-
health
1 983
-
8 196
-
income
1 595
-
16 352
-
pensions
3 498
-
14 464
-
unemployment
116
-
482
-
total
7 192
-
39 494
-
Employer

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

23 327
-
175 068
-
unemployment
116
-
482
-
pensions
1 282
-
5 303
-
health
1 003
-
4 146
-
total
2 401
-
9 931
-
Corporate
159 272
185 000
-
-
income
14 335
16 649
-
-
total
14 335
16 649
-
-
Dividends
144 937
168 351
-
-
withholding
13 045
15 151
-
-
total
13 045
15 151
-
-
Income
185 000
185 000
185 000
185 000
Total tax
36 973
31 800
49 425
29 044
After tax
148 027
153 200
135 575
155 956
Living cost
16 135
16 135
16 135
16 135
Free-cash
131 892
137 065
119 440
139 821

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
₽95296
₽90808
₽75809
₽71546
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
-
-
-
185 000
accident
-
-
-
849
income
-
-
-
52 986
pensions
-
-
-
26 656
other
-
-
-
94
unemployment
-
-
-
660
total
-
-
-
81 245
Employee
37 577
-
154 971
-
other
37
-
94
-
income
7 245
-
49 497
-
pensions
1 767
-
4 428
-
unemployment
582
-
1 460
-
total
9 631
-
55 479
-
Employer
37 577
-
154 971
-
accident
744
-
1 865
-
other
301
-
754
-
unemployment
2 067
-
5 180
-
pensions
8 867
-
22 230
-
total
11 979
-
30 029
-
Corporate
135 443
185 000
-
-
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.

20 317
27 750
-
-
total
20 317
27 750
-
-
Dividends
115 126
157 250
-
-
withholding
24 319
34 008
-
-
total
24 319
34 008
-
-
Income
185 000
185 000
185 000
185 000
Total tax
66 246
61 758
85 508
81 245
After tax
118 754
123 242
99 492
103 755
Living cost
27 946
27 946
27 946
27 946
Free-cash
90 808
95 296
71 546
75 809

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
₽112659
₽112203
₽115835
₽115638
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
-
-
-
185 000
income
-
-
-
62 884
pensions
-
-
-
2 029
health
-
-
-
1 471
total
-
-
-
66 384
Employee
4 236
-
182 718
-
health
212
-
507
-
income
820
-
62 777
-
pensions
381
-
913
-
unemployment
42
-
101
-
total
1 455
-
64 298
-
Employer
4 236
-
182 718
-
unemployment
85
-
203
-
pensions
466
-
1 116
-
health
402
-
964
-
total
953
-
2 283
-
Corporate
179 810
185 000
-
-
income
39 558
40 700
-
-
total
39 558
40 700
-
-
Dividends
140 252
144 300
-
-
withholding
28 050
28 860
-
-
total
28 050
28 860
-
-
Income
185 000
185 000
185 000
185 000
Total tax
70 016
69 560
66 581
66 384
After tax
114 984
115 440
118 419
118 616
Living cost
2 781
2 781
2 781
2 781
Free-cash
112 203
112 659
115 638
115 835

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
₽116104
₽111107
₽97070
₽97070
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.

-
-
-
185 000
income
-
-
-
42 009
pensions
-
-
-
19 509
unemployment
-
-
-
1 126
health
-
-
-
7 728
total
-
-
-
70 372
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
-
171 569
-
health
1 364
-
3 864
-
income
3 650
-
42 009
-
pensions
3 707
-
10 505
-
unemployment
199
-
563
-
total
8 920
-
56 941
-
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
-
171 569
-
unemployment
199
-
563
-
pensions
3 177
-
9 004
-
health
1 364
-
3 864
-
total
4 740
-
13 431
-
Corporate
153 784
185 000
-
-
income
23 068
27 750
-
-
total
23 068
27 750
-
-
Dividends
130 716
157 250
-
-
withholding
19 607
23 588
-
-
total
19 607
23 588
-
-
Income
185 000
185 000
185 000
185 000
Total tax
56 335
51 338
70 372
70 372
After tax
128 665
133 662
114 628
114 628
Living cost
17 558
17 558
17 558
17 558
Free-cash
111 107
116 104
97 070
97 070

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
₽77829
₽77463
₽71293
₽57269
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.

-
-
-
185 000
income
-
-
-
22 021
surtax
-
-
-
-
social contributions

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

-
-
-
64 288
total
-
-
-
86 309
Employee
39 443
-
149 496
-
social contributions
4 339
-
16 445
-
surtax
-
-
-
-
income
7 707
-
48 384
-
total
12 046
-
64 829
-
Employer
39 443
-
149 496
-
social contributions
9 367
-
35 504
-
total
9 367
-
35 504
-
Corporate
136 190
185 000
-
-
surtax
-
-
-
-
income
28 600
38 851
-
-
total
28 600
38 851
-
-
Dividends
107 589
146 149
-
-
withholding
30 126
40 922
-
-
total
30 126
40 922
-
-
Income
185 000
185 000
185 000
185 000
Total tax
80 139
79 773
100 333
86 309
After tax
104 861
105 227
84 667
98 691
Living cost
27 398
27 398
27 398
27 398
Free-cash
77 463
77 829
57 269
71 293

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
₽87526
₽80875
₽68039
₽63776
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
-
-
-
185 000
accident
-
-
-
849
income
-
-
-
52 986
pensions
-
-
-
26 656
other
-
-
-
94
unemployment
-
-
-
660
total
-
-
-
81 245
Employee
49 081
-
154 971
-
other
48
-
94
-
income
10 251
-
49 497
-
pensions
2 307
-
4 428
-
unemployment
760
-
1 460
-
total
13 366
-
55 479
-
Employer
49 081
-
154 971
-
accident
972
-
1 865
-
other
393
-
754
-
unemployment
2 700
-
5 180
-
pensions
11 583
-
22 230
-
total
15 648
-
30 029
-
Corporate
120 271
185 000
-
-
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.

18 042
27 750
-
-
total
18 042
27 750
-
-
Dividends
102 230
157 250
-
-
withholding
21 353
34 008
-
-
total
21 353
34 008
-
-
Income
185 000
185 000
185 000
185 000
Total tax
68 409
61 758
85 508
81 245
After tax
116 591
123 242
99 492
103 755
Living cost
35 716
35 716
35 716
35 716
Free-cash
80 875
87 526
63 776
68 039

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
₽140696
₽134504
₽130294
₽137616
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
-
-
-
185 000
income
-
-
-
27 750
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
-
-
-
37 227
Employee
23 145
-
178 037
-
health
1 065
-
1 633
-
accident

We are using the highest rate at 1.1%.

254
-
390
-
income
2 315
-
17 803
-
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
-
22 942
-
Employer
23 145
-
178 037
-
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
157 314
185 000
-
-
income
15 731
18 500
-
-
total
15 731
18 500
-
-
Dividends
141 583
166 500
-
-
withholding
7 079
8 325
-
-
total
7 079
8 325
-
-
Income
185 000
185 000
185 000
185 000
Total tax
33 017
26 825
29 905
37 227
After tax
151 983
158 175
155 095
147 773
Living cost
17 479
17 479
17 479
17 479
Free-cash
134 504
140 696
137 616
130 294

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
₽55965
₽69260
₽58021
₽77789
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.

-
-
-
185 000
trade
-
-
-
19 768
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.

-
-
-
57 851
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.

-
-
-
3 182
total
-
-
-
87 744
Employee

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

50 565
-
185 000
-
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
-
3 182
-
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
-
57 851
-
total
11 330
-
67 976
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
134 435
185 000
-
-
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.

1 109
1 525
-
-
income
20 165
27 750
-
-
trade
19 291
26 548
-
-
chamber of commerce
351
426
-
-
total
40 916
56 249
-
-
Dividends
93 519
128 750
-
-
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.

1 265
1 749
-
-
withholding
22 994
31 802
-
-
total
24 259
33 551
-
-
Income
185 000
185 000
185 000
185 000
Total tax
76 505
89 800
67 976
87 744
After tax
108 495
95 200
117 024
97 256
Living cost
39 235
39 235
39 235
39 235
Free-cash
69 260
55 965
77 789
58 021

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
₽71610
₽73854
₽38903
₽38903
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
-
-
-
185 000
income
-
-
-
57 203
social contributions
-
-
-
31 003
total
-
-
-
88 206
Employee
79 494
-
185 000
-
income
15 000
-
57 203
-
social contributions
6 604
-
31 003
-
total
21 604
-
88 206
-
Employer
79 494
-
185 000
-
total
-
-
-
-
Corporate
105 506
185 000
-
-
income
13 187
23 125
-
-
total
13 187
23 125
-
-
Dividends
92 319
161 875
-
-
withholding
18 464
32 374
-
-
total
18 464
32 374
-
-
Income
185 000
185 000
185 000
185 000
Total tax
53 255
55 499
88 206
88 206
After tax
131 745
129 501
96 794
96 794
Living cost
57 891
57 891
57 891
57 891
Free-cash
73 854
71 610
38 903
38 903

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
₽77990
₽81542
₽112370
₽94282
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.

-
-
-
185 000
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
-
180 325
-
income
5 059
-
44 478
-
social contributions
4 671
-
4 675
-
total
9 730
-
49 153
-
Employer
46 620
-
180 325
-
social contributions
4 671
-
4 675
-
total
4 671
-
4 675
-
Corporate
133 709
185 000
-
-
income
46 798
64 751
-
-
total
46 798
64 751
-
-
Dividends
86 911
120 249
-
-
social contributions
5 369
5 369
-
-
total
5 369
5 369
-
-
Income
185 000
185 000
185 000
185 000
Total tax
66 568
70 120
53 828
35 740
After tax
118 432
114 880
131 172
149 260
Living cost
36 890
36 890
36 890
36 890
Free-cash
81 542
77 990
94 282
112 370

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
₽82582
₽88641
₽84322
₽67602
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
-
-
-
185 000
income
-
-
-
53 384
pensions
-
-
-
9 300
total
-
-
-
62 684
Employee
52 152
-
161 563
-
health
680
-
2 323
-
income
9 497
-
42 240
-
pensions
3 980
-
11 404
-
total
14 157
-
55 967
-
Employer
52 152
-
161 563
-
pensions
5 269
-
20 367
-
health
991
-
3 070
-
total
6 260
-
23 437
-
Corporate
126 588
185 000
-
-
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.

24 052
35 151
-
-
total
24 052
35 151
-
-
Dividends
102 536
149 849
-
-
withholding
13 896
29 273
-
-
total
13 896
29 273
-
-
Income
185 000
185 000
185 000
185 000
Total tax
58 365
64 424
79 404
62 684
After tax
126 635
120 576
105 596
122 316
Living cost
37 994
37 994
37 994
37 994
Free-cash
88 641
82 582
67 602
84 322

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
-₽9048
₽11299
₽102407
₽76711
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
-
-
-
185 000
accident
-
-
-
255
income
-
-
-
51 533
pensions
-
-
-
4 198
other
-
-
-
374
health
-
-
-
2 200
total
-
-
-
58 560
Employee
37 806
-
167 004
-
health
4 329
-
19 122
-
income
5 187
-
39 441
-
pensions
4 257
-
7 697
-
total
13 773
-
66 260
-
Employer
37 806
-
167 004
-
accident
631
-
2 789
-
unemployment
926
-
4 092
-
pensions
6 147
-
11 115
-
total
7 704
-
17 996
-
Corporate
139 490
185 000
-
-
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.

125 541
166 500
-
-
total
125 541
166 500
-
-
Dividends
13 949
18 500
-
-
withholding
2 650
3 515
-
-
total
2 650
3 515
-
-
Income
185 000
185 000
185 000
185 000
Total tax
149 668
170 015
84 256
58 560
After tax
35 332
14 985
100 744
126 440
Living cost
24 033
24 033
24 033
24 033
Free-cash
11 299
-9 048
76 711
102 407

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
₽141983
₽137238
₽96118
₽118412
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.

-
-
-
185 000
work injury
-
-
-
811
health insurance
-
-
-
11 998
income
-
-
-
30 599
pensions
-
-
-
29 833
unemployment
-
-
-
1 946
total
-
-
-
75 187
Employee

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

21 911
-
185 000
-
work injury
110
-
405
-
income
2 191
-
30 599
-
pensions
4 032
-
14 917
-
health insurance
1 621
-
5 999
-
unemployment
263
-
973
-
total
8 217
-
52 893
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
163 089
185 000
-
-
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%.

1 631
1 850
-
-
total
1 631
1 850
-
-
Dividends
161 458
183 150
-
-
withholding
24 219
27 472
-
-
total
24 219
27 472
-
-
Income
185 000
185 000
185 000
185 000
Total tax
34 067
29 322
52 893
75 187
After tax
150 933
155 678
132 107
109 813
Living cost
13 695
13 695
13 695
13 695
Free-cash
137 238
141 983
118 412
96 118

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
₽56959
₽52339
₽45391
₽37270
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
-
-
-
185 000
municipal
-
-
-
1 236
regional
-
-
-
4 244
national
-
-
-
46 061
social contributions
-
-
-
47 583
total
-
-
-
99 124
Employee
85 636
-
185 000
-
social contributions
28 876
-
62 383
-
regional
1 293
-
3 765
-
municipal
511
-
1 103
-
national
14 472
-
39 994
-
total
45 152
-
107 245
-
Employer
85 636
-
185 000
-
total
-
-
-
-
Corporate
99 364
185 000
-
-
nationa
23 846
44 401
-
-
municipal
4 789
8 918
-
-
total
28 635
53 319
-
-
Dividends
70 729
131 682
-
-
withholding
18 389
34 237
-
-
total
18 389
34 237
-
-
Income
185 000
185 000
185 000
185 000
Total tax
92 176
87 556
107 245
99 124
After tax
92 824
97 444
77 755
85 876
Living cost
40 485
40 485
40 485
40 485
Free-cash
52 339
56 959
37 270
45 391

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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