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
₽ 189500
per

Your estimated
City
free-cash

Dresden , Germany
₽77430
₽89980
₽67013
₽67030
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.

-
-
-
189 500
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.

-
-
-
6 434
trade
-
-
-
22 950
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.

-
-
-
61 194
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.

-
-
-
3 365
total
-
-
-
93 943
Employee

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

36 022
-
189 500
-
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.

6 434
-
6 434
-
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.

1 006
-
61 194
-
surtax

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

55
-
3 365
-
total
7 495
-
70 993
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
153 478
189 500
-
-
income
23 022
28 425
-
-
chamber of commerce
363
415
-
-
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
1 564
-
-
trade
24 173
29 845
-
-
total
48 823
60 249
-
-
Dividends
104 655
129 251
-
-
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.

1 419
1 757
-
-
withholding
25 806
31 954
-
-
total
27 225
33 711
-
-
Income
189 500
189 500
189 500
189 500
Total tax
83 543
93 960
70 993
93 943
After tax
105 957
95 540
118 507
95 557
Living cost
28 527
28 527
28 527
28 527
Free-cash
77 430
67 013
89 980
67 030

Estimated living cost  is ₽28527 per week

₽17944
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3326
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽533
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.
₽6724
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
₽68449
₽62003
₽69262
₽60986
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
-
-
-
189 500
social contributions
-
-
-
2 037
municipal
-
-
-
20 896
pensions
-
-
-
22 740
national
-
-
-
33 855
total
-
-
-
79 528
Employee
75 937
-
163 821
-
pensions
3 037
-
6 553
-
municipal
9 379
-
21 630
-
national
14 534
-
35 461
-
total
26 950
-
63 644
-
Employer
75 937
-
163 821
-
pensions
6 075
-
13 106
-
social contributions
816
-
1 761
-
total
6 891
-
14 867
-
Corporate
101 660
189 500
-
-
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%.

20 332
37 900
-
-
total
20 332
37 900
-
-
Dividends
81 328
151 600
-
-
withholding
17 892
33 352
-
-
total
17 892
33 352
-
-
Income
189 500
189 500
189 500
189 500
Total tax
72 065
71 252
78 511
79 528
After tax
117 435
118 248
110 989
109 972
Living cost
48 986
48 986
48 986
48 986
Free-cash
68 449
69 262
62 003
60 986

Estimated living cost  is ₽48986 per week

₽33295
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4554
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽733
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.
₽10404
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
₽124280
₽61620
₽132005
₽47827
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.

-
-
-
189 500
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.

-
-
-
36 085
income
-
-
-
37 672
surtax
-
-
-
48 322
microenterprise
-
-
-
-
total
-
-
-
122 079
Employee
27 520
-
146 361
-
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.

3 028
-
12 346
-
income
4 899
-
31 579
-
surtax
-
-
21 222
-
total
7 927
-
65 147
-
Employer
27 520
-
146 361
-
surtax
-
-
16 100
-
social contributions

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

6 629
-
27 039
-
total
6 629
-
43 139
-
Corporate
155 351
189 500
-
-
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%.

31 070
37 901
-
-
total
31 070
37 901
-
-
Dividends

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

124 281
151 599
-
-
total
-
-
-
-
Income
189 500
189 500
189 500
189 500
Total tax
45 626
37 901
108 286
122 079
After tax
143 874
151 599
81 214
67 421
Living cost
19 594
19 594
19 594
19 594
Free-cash
124 280
132 005
61 620
47 827

Estimated living cost  is ₽19594 per week

₽12500
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1866
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽445
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.
₽4783
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
₽48947
₽81500
₽54716
₽63523
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
-
-
-
189 500
health
-
-
-
11 614
income
-
-
-
63 874
pensions
-
-
-
11 035
total
-
-
-
86 523
Employee
80 427
80 427
171 997
-
pensions
14 477
11 035
11 035
-
health
12 345
10 500
11 614
-
income

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

13 165
13 165
28 394
-
total
39 987
34 700
51 043
-
Employer
80 427
80 427
171 997
-
pensions
5 598
5 598
6 958
-
health
5 591
5 591
6 947
-
unemployment
2 895
2 895
3 598
-
total
14 084
14 084
17 503
-
Corporate
95 976
94 990
-
-
income
19 195
18 999
-
-
total
19 195
18 999
-
-
Dividends
76 781
75 991
-
-
income
16 316
16 148
-
-
withholding
11 517
11 399
-
-
total
27 833
27 547
-
-
Income
189 500
189 500
189 500
189 500
Total tax
101 099
95 330
68 546
86 523
After tax
88 401
94 170
120 954
102 977
Living cost
39 454
39 454
39 454
39 454
Free-cash
48 947
54 716
81 500
63 523

Estimated living cost  is ₽39454 per week

₽27960
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3557
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽627
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.
₽7310
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
₽63830
₽56467
₽64699
₽57406
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
-
-
-
189 500
accident
-
-
-
170
health
-
-
-
5 302
municipal
-
-
-
49 169
pensions
-
-
-
9 185
other
-
-
-
9 873
unemployment
-
-
-
85
national
-
-
-
19 542
total
-
-
-
93 326
Employee
55 241
-
162 803
-
municipal
16 473
-
48 548
-
national
-
-
19 021
-
total
16 473
-
67 569
-
Employer
55 241
-
162 803
-
pensions
5 971
-
9 185
-
other
6 419
-
9 873
-
health
3 397
-
5 225
-
unemployment
1 458
-
2 243
-
accident
111
-
170
-
total
17 356
-
26 696
-
Corporate
116 902
189 500
-
-
income
25 718
41 690
-
-
total
25 718
41 690
-
-
Dividends
91 184
147 810
-
-
withholding
27 355
44 343
-
-
total
27 355
44 343
-
-
Income
189 500
189 500
189 500
189 500
Total tax
86 902
86 033
94 265
93 326
After tax
102 598
103 467
95 235
96 174
Living cost
38 768
38 768
38 768
38 768
Free-cash
63 830
64 699
56 467
57 406

Estimated living cost  is ₽38768 per week

₽25694
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3804
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽589
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.
₽8681
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
₽70797
₽81509
₽57564
₽57540
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.

-
-
-
189 500
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.

-
-
-
6 434
trade
-
-
-
23 969
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.

-
-
-
61 194
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.

-
-
-
3 365
total
-
-
-
94 962
Employee

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

47 761
-
189 500
-
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.

6 434
-
6 434
-
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.

4 104
-
61 194
-
surtax

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

225
-
3 365
-
total
10 763
-
70 993
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
141 739
189 500
-
-
income
21 261
28 425
-
-
chamber of commerce
345
413
-
-
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.

1 169
1 564
-
-
trade
23 317
31 173
-
-
total
46 092
61 575
-
-
Dividends
95 647
127 925
-
-
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.

1 296
1 739
-
-
withholding
23 554
31 624
-
-
total
24 850
33 363
-
-
Income
189 500
189 500
189 500
189 500
Total tax
81 705
94 938
70 993
94 962
After tax
107 795
94 562
118 507
94 538
Living cost
36 998
36 998
36 998
36 998
Free-cash
70 797
57 564
81 509
57 540

Estimated living cost  is ₽36998 per week

₽24745
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3902
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽552
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.
₽7800
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
₽103711
₽96192
₽107619
₽97794
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
-
-
-
189 500
social contributions
-
-
-
15 238
health
-
-
-
4 833
income
-
-
-
41 087
total
-
-
-
61 158
Employee
72 421
72 421
178 097
-
health
720
1 231
3 028
-
social contributions
3 519
6 011
8 107
-
income
7 605
6 704
40 224
-
total
11 844
13 946
51 359
-
Employer
72 421
72 421
178 097
-
health
785
1 340
3 294
-
social contributions
3 519
6 011
8 107
-
total
4 304
7 351
11 401
-
Corporate
142 804
109 728
-
-
income
17 851
13 715
-
-
total
17 851
13 715
-
-
Dividends
124 953
96 013
-
-
withholding
21 242
16 321
-
-
total
21 242
16 321
-
-
Income
189 500
189 500
189 500
189 500
Total tax
55 241
51 333
62 760
61 158
After tax
134 259
138 167
126 740
128 342
Living cost
30 548
30 548
30 548
30 548
Free-cash
103 711
107 619
96 192
97 794

Estimated living cost  is ₽30548 per week

₽20882
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2386
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽513
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.
₽6767
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
₽89369
₽92454
₽89007
₽113877
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
-
-
-
189 500
health
-
-
-
13 265
income
-
-
-
23 166
pensions
-
-
-
18 950
unemployment
-
-
-
2 842
total
-
-
-
58 223
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.

25 118
9 997
158 577
-
unemployment
377
150
2 379
-
pensions
2 512
1 000
15 858
-
health
1 758
700
11 100
-
income
3 071
1 222
19 386
-
total
7 718
3 072
48 723
-
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.

25 118
9 997
158 577
-
pensions
4 898
1 949
30 923
-
total
4 898
1 949
30 923
-
Corporate
159 484
177 554
-
-
income
14 354
15 980
-
-
total
14 354
15 980
-
-
Dividends
145 131
161 574
-
-
social contributions
28 186
31 393
-
-
withholding
27 575
30 699
-
-
total
55 761
62 092
-
-
Income
189 500
189 500
189 500
189 500
Total tax
82 731
83 093
79 646
58 223
After tax
106 769
106 407
109 854
131 277
Living cost
17 400
17 400
17 400
17 400
Free-cash
89 369
89 007
92 454
113 877

Estimated living cost  is ₽17400 per week

₽11874
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1424
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽348
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.
₽3755
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
₽123002
₽86476
₽128851
₽78824
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
-
-
-
189 500
health
-
-
-
24 636
income
-
-
-
25 393
pensions
-
-
-
37 899
total
-
-
-
87 928
Employee
26 718
-
141 628
-
unemployment
427
-
2 266
-
pensions
534
-
2 833
-
income
3 008
-
27 306
-
total
3 969
-
32 405
-
Employer
26 718
-
141 628
-
pensions
5 344
-
28 326
-
health
3 473
-
18 412
-
unemployment
214
-
1 133
-
total
9 031
-
47 871
-
Corporate
153 751
189 500
-
-
income
30 750
37 901
-
-
total
30 750
37 901
-
-
Dividends
123 001
151 599
-
-
total
-
-
-
-
Income
189 500
189 500
189 500
189 500
Total tax
43 750
37 901
80 276
87 928
After tax
145 750
151 599
109 224
101 572
Living cost
22 748
22 748
22 748
22 748
Free-cash
123 002
128 851
86 476
78 824

Estimated living cost  is ₽22748 per week

₽15603
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1355
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽458
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5333
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
₽12134
₽82732
-₽5612
₽108503
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
-
-
-
189 500
accident
-
-
-
241
health
-
-
-
2 078
income
-
-
-
53 399
pensions
-
-
-
3 964
other
-
-
-
353
total
-
-
-
60 035
Employee
32 974
-
171 920
-
pensions
3 713
-
7 269
-
health
3 775
-
19 685
-
income
4 524
-
41 272
-
total
12 012
-
68 226
-
Employer
32 974
-
171 920
-
pensions
5 362
-
10 497
-
unemployment
808
-
4 212
-
accident
550
-
2 871
-
total
6 720
-
17 580
-
Corporate
149 806
189 500
-
-
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.

134 826
170 550
-
-
total
134 826
170 550
-
-
Dividends
14 981
18 950
-
-
withholding
2 846
3 600
-
-
total
2 846
3 600
-
-
Income
189 500
189 500
189 500
189 500
Total tax
156 404
174 150
85 806
60 035
After tax
33 096
15 350
103 694
129 465
Living cost
20 962
20 962
20 962
20 962
Free-cash
12 134
-5 612
82 732
108 503

Estimated living cost  is ₽20962 per week

₽15363
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1161
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽438
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4000
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
₽170784
₽143818
₽172243
₽179823
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%.

-
-
-
189 500
microenterprise

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

-
-
-
1 895
total
-
-
-
1 895
Employee
9 727
-
189 500
-
income
1 945
-
37 900
-
total
1 945
-
37 900
-
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%.

179 773
189 500
-
-
total
-
-
-
-
Dividends
179 773
189 500
-
-
withholding
8 989
9 475
-
-
total
8 989
9 475
-
-
Income
189 500
189 500
189 500
189 500
Total tax
10 934
9 475
37 900
1 895
After tax
178 566
180 025
151 600
187 605
Living cost
7 782
7 782
7 782
7 782
Free-cash
170 784
172 243
143 818
179 823

Estimated living cost  is ₽7782 per week

₽4823
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽647
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽214
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.
₽2099
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
₽107773
₽83790
₽114131
₽85408
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
-
-
-
189 500
health
-
-
-
6 302
income
-
-
-
31 520
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.

-
-
-
34 373
other
-
-
-
6 802
total
-
-
-
78 997
Employee
34 196
-
153 329
-
unemployment
341
-
1 432
-
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.

2 393
-
10 025
-
health
479
-
2 005
-
income
5 887
-
30 982
-
total
9 100
-
44 444
-
Employer
34 196
-
153 329
-
pensions

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

5 814
-
24 348
-
other
1 710
-
7 160
-
health
479
-
2 005
-
unemployment
341
-
1 432
-
accident
273
-
1 226
-
total
8 617
-
36 171
-
Corporate
146 686
189 500
-
-
income
30 803
39 795
-
-
total
30 803
39 795
-
-
Dividends
115 882
149 705
-
-
withholding
8 112
10 479
-
-
total
8 112
10 479
-
-
Income
189 500
189 500
189 500
189 500
Total tax
56 632
50 274
80 615
78 997
After tax
132 868
139 226
108 885
110 503
Living cost
25 095
25 095
25 095
25 095
Free-cash
107 773
114 131
83 790
85 408

Estimated living cost  is ₽25095 per week

₽17731
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1694
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽404
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.
₽5265
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
₽66749
₽44777
₽59299
₽61783
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
-
-
-
189 500
income
-
-
-
56 972
pensions
-
-
-
8 856
total
-
-
-
65 828
Employee
87 564
-
165 295
-
pensions
8 447
-
10 698
-
health
1 443
-
2 293
-
income
15 784
-
45 637
-
total
25 674
-
58 628
-
Employer
87 564
-
165 295
-
pensions
10 339
-
21 065
-
health
1 663
-
3 141
-
total
12 002
-
24 206
-
Corporate
89 935
189 500
-
-
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.

17 087
36 005
-
-
total
17 087
36 005
-
-
Dividends
72 848
153 495
-
-
withholding
6 099
32 307
-
-
total
6 099
32 307
-
-
Income
189 500
189 500
189 500
189 500
Total tax
60 862
68 312
82 834
65 828
After tax
128 638
121 188
106 666
123 672
Living cost
61 889
61 889
61 889
61 889
Free-cash
66 749
59 299
44 777
61 783

Estimated living cost  is ₽61889 per week

₽46375
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽7272
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.
₽7740
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
₽145291
₽147618
₽149667
₽139932
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
-
-
-
189 500
health
-
-
-
3 785
income
-
-
-
28 425
pensions

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

-
-
-
4 871
unemployment
-
-
-
132
total
-
-
-
37 213
Employee
16 359
-
183 042
-
accident

We are using the highest rate at 1.1%.

180
-
362
-
pensions

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

1 436
-
2 890
-
health
752
-
1 514
-
income
1 636
-
18 304
-
total
4 004
-
23 070
-
Employer
16 359
-
183 042
-
pensions

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

1 803
-
3 627
-
health
1 129
-
2 271
-
unemployment
98
-
197
-
accident

We are using the highest rate at 1.1%.

180
-
362
-
total
3 210
-
6 457
-
Corporate
169 931
189 500
-
-
income
16 993
18 950
-
-
total
16 993
18 950
-
-
Dividends
152 938
170 550
-
-
withholding
7 647
8 528
-
-
total
7 647
8 528
-
-
Income
189 500
189 500
189 500
189 500
Total tax
31 854
27 478
29 527
37 213
After tax
157 646
162 022
159 973
152 287
Living cost
12 355
12 355
12 355
12 355
Free-cash
145 291
149 667
147 618
139 932

Estimated living cost  is ₽12355 per week

₽7213
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽882
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽327
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.
₽3932
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
₽44315
₽68729
₽41945
₽50752
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
-
-
-
189 500
health
-
-
-
11 614
income
-
-
-
63 874
pensions
-
-
-
11 035
total
-
-
-
86 523
Employee
87 318
80 427
171 997
-
pensions
11 035
11 035
11 035
-
health
10 893
10 500
11 614
-
income

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

13 165
13 165
28 394
-
total
35 093
34 700
51 043
-
Employer
87 318
80 427
171 997
-
pensions
6 077
5 598
6 958
-
health
6 068
5 591
6 947
-
unemployment
3 144
2 895
3 598
-
total
15 289
14 084
17 503
-
Corporate
86 894
94 990
-
-
income
17 379
18 999
-
-
total
17 379
18 999
-
-
Dividends
69 515
75 991
-
-
income
14 772
16 148
-
-
withholding
10 427
11 399
-
-
total
25 199
27 547
-
-
Income
189 500
189 500
189 500
189 500
Total tax
92 960
95 330
68 546
86 523
After tax
96 540
94 170
120 954
102 977
Living cost
52 225
52 225
52 225
52 225
Free-cash
44 315
41 945
68 729
50 752

Estimated living cost  is ₽52225 per week

₽38524
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4665
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽599
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.
₽8438
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
₽98734
₽78294
₽107080
₽86279
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
-
-
-
189 500
social contributions
-
-
-
33 659
health
-
-
-
25 583
income
-
-
-
19 539
solidarity contribution
-
-
-
1 049
total
-
-
-
79 830
Employee
34 399
-
147 415
-
solidarity contribution
-
-
333
-
health
4 644
-
19 901
-
social contributions
2 236
-
7 493
-
income
4 128
-
18 003
-
total
11 008
-
45 730
-
Employer
34 399
-
147 415
-
health
3 096
-
13 267
-
social contributions
8 600
-
28 818
-
total
11 696
-
42 085
-
Corporate
143 406
189 500
-
-
income
27 247
36 005
-
-
total
27 247
36 005
-
-
Dividends
116 159
153 495
-
-
withholding
17 424
23 024
-
-
total
17 424
23 024
-
-
Income
189 500
189 500
189 500
189 500
Total tax
67 375
59 029
87 815
79 830
After tax
122 125
130 471
101 685
109 670
Living cost
23 391
23 391
23 391
23 391
Free-cash
98 734
107 080
78 294
86 279

Estimated living cost  is ₽23391 per week

₽16248
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1664
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽460
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.
₽5019
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
₽56446
₽42071
₽61365
₽50185
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
-
-
-
189 500
social contributions
-
-
-
47 137
municipal
-
-
-
1 138
regional
-
-
-
2 290
national
-
-
-
49 009
total
-
-
-
99 574
Employee
83 702
-
189 500
-
regional
790
-
2 036
-
municipal
443
-
1 022
-
national
14 504
-
42 832
-
social contributions
28 224
-
61 798
-
total
43 961
-
107 688
-
Employer
83 702
-
189 500
-
total
-
-
-
-
Corporate
105 798
189 500
-
-
municipal
4 127
7 390
-
-
nationa
25 392
45 480
-
-
total
29 519
52 870
-
-
Dividends
76 279
136 629
-
-
withholding
19 833
35 524
-
-
total
19 833
35 524
-
-
Income
189 500
189 500
189 500
189 500
Total tax
93 313
88 394
107 688
99 574
After tax
96 187
101 106
81 812
89 926
Living cost
39 741
39 741
39 741
39 741
Free-cash
56 446
61 365
42 071
50 185

Estimated living cost  is ₽39741 per week

₽27703
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2606
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽609
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.
₽8822
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
₽95480
₽62820
₽98414
₽68580
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
-
-
-
189 500
health
-
-
-
8 924
income
-
-
-
56 624
surtax
-
-
-
9 235
pensions
-
-
-
25 140
other
-
-
-
-
unemployment
-
-
-
214
total
-
-
-
100 137
Employee
31 145
-
163 041
-
unemployment
2 168
-
8 749
-
pensions
2 077
-
8 384
-
health
795
-
3 205
-
income
5 221
-
50 991
-
other
-
-
-
-
surtax
102
-
8 109
-
total
10 363
-
79 438
-
Employer
31 145
-
163 041
-
pensions
4 152
-
16 756
-
other
-
-
-
-
health
1 417
-
5 719
-
unemployment
987
-
3 984
-
total
6 556
-
26 459
-
Corporate
151 799
189 500
-
-
income
39 468
49 269
-
-
total
39 468
49 269
-
-
Dividends
112 331
140 231
-
-
withholding
16 850
21 034
-
-
total
16 850
21 034
-
-
Income
189 500
189 500
189 500
189 500
Total tax
73 237
70 303
105 897
100 137
After tax
116 263
119 197
83 603
89 363
Living cost
20 783
20 783
20 783
20 783
Free-cash
95 480
98 414
62 820
68 580

Estimated living cost  is ₽20783 per week

₽12707
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1918
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽479
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.
₽5678
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
₽85018
₽64385
₽78907
₽81391
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
-
-
-
189 500
income
-
-
-
56 972
pensions
-
-
-
8 856
total
-
-
-
65 828
Employee
58 683
-
165 295
-
pensions
4 981
-
10 698
-
health
852
-
2 293
-
income
10 569
-
45 637
-
total
16 402
-
58 628
-
Employer
58 683
-
165 295
-
pensions
6 352
-
21 065
-
health
1 115
-
3 141
-
total
7 467
-
24 206
-
Corporate
123 350
189 500
-
-
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.

23 437
36 005
-
-
total
23 437
36 005
-
-
Dividends
99 913
153 495
-
-
withholding
14 895
32 307
-
-
total
14 895
32 307
-
-
Income
189 500
189 500
189 500
189 500
Total tax
62 201
68 312
82 834
65 828
After tax
127 299
121 188
106 666
123 672
Living cost
42 281
42 281
42 281
42 281
Free-cash
85 018
78 907
64 385
81 391

Estimated living cost  is ₽42281 per week

₽31677
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3169
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽442
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.
₽6992
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
₽43869
₽69102
₽11872
₽77240
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
-
-
-
189 500
health
-
-
-
426
pensions
-
-
-
17 434
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.

-
-
-
3 789
regional
-
-
-
9 912
city
-
-
-
1 997
national
-
-
-
3 921
total
-
-
-
37 479
Employee
87 513
-
169 842
-
unemployment
-
-
-
-
pensions
7 352
-
14 009
-
regional
2 866
-
8 629
-
national
414
-
2 980
-
health
198
-
382
-
city
939
-
1 828
-
total
11 769
-
27 828
-
Employer
87 513
-
169 842
-
pensions
7 352
-
14 009
-
other

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

1 750
-
3 398
-
health
198
-
382
-
unemployment
-
-
-
-
total
9 300
-
17 789
-
Corporate
91 725
189 500
-
-
regional
19 400
40 080
-
-
national
7 796
16 107
-
-
total
27 196
56 187
-
-
Dividends
64 529
133 313
-
-
withholding
22 585
46 660
-
-
total
22 585
46 660
-
-
Income
189 500
189 500
189 500
189 500
Total tax
70 850
102 847
45 617
37 479
After tax
118 650
86 653
143 883
152 021
Living cost
74 781
74 781
74 781
74 781
Free-cash
43 869
11 872
69 102
77 240

Estimated living cost  is ₽74781 per week

₽48629
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6711
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽918
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽18523
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details

Additional information

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

Source of data for Zurich model

Close
Munich , Germany
₽65715
₽75362
₽50443
₽50372
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.

-
-
-
189 500
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.

-
-
-
6 434
trade
-
-
-
24 990
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.

-
-
-
61 194
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.

-
-
-
3 365
total
-
-
-
95 983
Employee

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

56 601
-
189 500
-
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.

6 434
-
6 434
-
income

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

6 656
-
61 194
-
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.

366
-
3 365
-
total
13 456
-
70 993
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
132 899
189 500
-
-
income
19 935
28 425
-
-
chamber of commerce
331
409
-
-
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.

1 096
1 564
-
-
trade
22 793
32 500
-
-
total
44 155
62 898
-
-
Dividends
88 745
126 603
-
-
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.

1 201
1 721
-
-
withholding
21 828
31 293
-
-
total
23 029
33 014
-
-
Income
189 500
189 500
189 500
189 500
Total tax
80 640
95 912
70 993
95 983
After tax
108 860
93 588
118 507
93 517
Living cost
43 145
43 145
43 145
43 145
Free-cash
65 715
50 443
75 362
50 372

Estimated living cost  is ₽43145 per week

₽31511
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3451
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽561
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.
₽7623
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
₽68850
₽69242
₽63284
₽73415
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
-
-
-
189 500
social contributions
-
-
-
5 399
health
-
-
-
8 749
income
-
-
-
32 300
surtax
-
-
-
-
pensions
-
-
-
31 540
other
-
-
-
5 875
total
-
-
-
83 863
Employee
40 308
-
145 523
-
pensions
4 558
-
10 593
-
social contributions
1 149
-
4 146
-
income
2 379
-
29 320
-
surtax
-
-
-
-
total
8 086
-
44 059
-
Employer
40 308
-
145 523
-
pensions
6 622
-
17 746
-
other
1 390
-
5 877
-
health
2 822
-
14 024
-
unemployment
1 632
-
5 894
-
social contributions
122
-
436
-
total
12 588
-
43 977
-
Corporate
136 604
189 500
-
-
income
38 249
53 060
-
-
surtax
-
-
-
-
total
38 249
53 060
-
-
Dividends
98 355
136 440
-
-
surtax
-
-
-
-
social contributions
16 916
23 469
-
-
withholding
12 589
17 465
-
-
total
29 505
40 934
-
-
Income
189 500
189 500
189 500
189 500
Total tax
88 428
93 994
88 036
83 863
After tax
101 072
95 506
101 464
105 637
Living cost
32 222
32 222
32 222
32 222
Free-cash
68 850
63 284
69 242
73 415

Estimated living cost  is ₽32222 per week

₽20318
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2620
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽549
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8738
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
₽71709
₽72434
₽66476
₽76607
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
-
-
-
189 500
social contributions
-
-
-
5 399
health
-
-
-
8 749
income
-
-
-
32 300
surtax
-
-
-
-
pensions
-
-
-
31 540
other
-
-
-
5 875
total
-
-
-
83 863
Employee
35 981
-
145 523
-
pensions
4 070
-
10 593
-
social contributions
1 026
-
4 146
-
income
1 855
-
29 320
-
surtax
-
-
-
-
total
6 951
-
44 059
-
Employer
35 981
-
145 523
-
pensions
5 912
-
17 746
-
other
1 242
-
5 877
-
health
2 518
-
14 024
-
unemployment
1 457
-
5 894
-
social contributions
107
-
436
-
total
11 236
-
43 977
-
Corporate
142 283
189 500
-
-
income
39 840
53 060
-
-
surtax
-
-
-
-
total
39 840
53 060
-
-
Dividends
102 443
136 440
-
-
surtax
-
-
-
-
social contributions
17 621
23 469
-
-
withholding
13 113
17 465
-
-
total
30 734
40 934
-
-
Income
189 500
189 500
189 500
189 500
Total tax
88 761
93 994
88 036
83 863
After tax
100 739
95 506
101 464
105 637
Living cost
29 030
29 030
29 030
29 030
Free-cash
71 709
66 476
72 434
76 607

Estimated living cost  is ₽29030 per week

₽16836
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2949
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽550
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.
₽8695
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
₽96131
₽97123
₽95642
₽101725
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
-
-
-
189 500
social contributions
-
-
-
26 151
health
-
-
-
13 228
income
-
-
-
28 425
total
-
-
-
67 804
Employee
31 933
-
189 500
-
health
2 229
-
13 228
-
social contributions
4 407
-
26 151
-
income
5 326
-
33 027
-
total
11 962
-
72 406
-
Employer
31 933
-
189 500
-
total
-
-
-
-
Corporate
157 567
189 500
-
-
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%.

7 878
9 474
-
-
total
7 878
9 474
-
-
Dividends
149 689
180 026
-
-
health
10 448
12 566
-
-
social contributions
20 657
24 843
-
-
withholding
22 453
27 004
-
-
total
53 558
64 413
-
-
Income
189 500
189 500
189 500
189 500
Total tax
73 398
73 887
72 406
67 804
After tax
116 102
115 613
117 094
121 696
Living cost
19 971
19 971
19 971
19 971
Free-cash
96 131
95 642
97 123
101 725

Estimated living cost  is ₽19971 per week

₽13365
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1231
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽459
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.
₽4913
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
₽69983
₽16730
₽71439
₽64140
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
-
-
-
189 500
health
-
-
-
8 416
surtax
-
-
-
186
income
-
-
-
56 683
chamber of commerce
-
-
-
758
pensions
-
-
-
20 355
unemployment
-
-
-
5 776
total
-
-
-
92 174
Employee
47 067
37 533
154 409
-
unemployment
1 412
1 126
3 301
-
pensions
4 820
3 843
11 267
-
health
1 821
1 453
4 257
-
income
5 358
2 768
46 858
-
other
470
375
1 101
-
total
13 881
9 565
66 784
-
Employer
47 067
37 533
154 409
-
chamber of commerce
188
150
618
-
pensions
5 907
4 711
13 808
-
other
2 236
1 782
6 956
-
health
1 778
1 419
4 159
-
unemployment
1 412
1 126
3 301
-
accident
611
488
1 430
-
surtax
186
186
186
-
payroll
1 412
1 126
4 633
-
total
13 730
10 988
35 091
-
Corporate
128 703
140 979
150 834
-
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.

32 176
35 245
37 709
-
total
32 176
35 245
37 709
-
Dividends
96 527
105 735
-
-
withholding
26 544
29 077
-
-
total
26 544
29 077
-
-
Income
189 500
189 500
189 500
189 500
Total tax
86 331
84 875
139 584
92 174
After tax
103 169
104 625
49 916
97 326
Living cost
33 186
33 186
33 186
33 186
Free-cash
69 983
71 439
16 730
64 140

Estimated living cost  is ₽33186 per week

₽22133
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2831
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽545
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.
₽7676
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
₽57467
₽31062
₽70900
₽47969
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
-
-
-
189 500
social contributions
-
-
-
23 481
communal

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

-
-
-
9 960
national
-
-
-
73 750
total
-
-
-
107 191
Employee

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

67 368
-
146 775
-
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.

586
-
1 276
-
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.

5 053
-
11 008
-
national
20 712
-
54 538
-
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.

3 165
-
6 897
-
communal

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

3 514
-
7 655
-
total
33 030
-
81 374
-
Employer

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

67 368
-
146 775
-
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.

5 969
-
13 004
-
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.

4 143
-
9 027
-
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.

983
-
2 143
-
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.

876
-
1 907
-
surtax
7 639
-
16 643
-
total
19 610
-
42 724
-
Corporate
102 522
189 500
-
-
income
20 505
38 869
-
-
surtax
409
777
-
-
total
20 914
39 646
-
-
Dividends
81 607
149 853
-
-
withholding

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

24 139
44 614
-
-
total
24 139
44 614
-
-
Income
189 500
189 500
189 500
189 500
Total tax
97 693
84 260
124 098
107 191
After tax
91 807
105 240
65 402
82 309
Living cost
34 340
34 340
34 340
34 340
Free-cash
57 467
70 900
31 062
47 969

Estimated living cost  is ₽34340 per week

₽22119
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3003
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽538
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.
₽8681
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
₽85564
₽68116
₽92016
₽72069
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
-
-
-
189 500
accident
-
-
-
786
income
-
-
-
57 229
pensions
-
-
-
24 704
other
-
-
-
88
unemployment
-
-
-
611
total
-
-
-
83 418
Employee
46 881
-
161 671
-
unemployment
727
-
1 353
-
pensions
2 204
-
4 104
-
income
9 892
-
53 996
-
other
46
-
88
-
total
12 869
-
59 541
-
Employer
46 881
-
161 671
-
pensions
11 063
-
20 602
-
other
374
-
699
-
unemployment
2 579
-
4 801
-
accident
928
-
1 728
-
total
14 944
-
27 830
-
Corporate
127 676
189 500
-
-
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.

19 151
28 425
-
-
total
19 151
28 425
-
-
Dividends
108 525
161 075
-
-
withholding
22 959
35 046
-
-
total
22 959
35 046
-
-
Income
189 500
189 500
189 500
189 500
Total tax
69 923
63 471
87 371
83 418
After tax
119 577
126 029
102 129
106 082
Living cost
34 013
34 013
34 013
34 013
Free-cash
85 564
92 016
68 116
72 069

Estimated living cost  is ₽34013 per week

₽25047
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2413
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.
₽6062
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
₽45142
₽47421
₽57861
₽39866
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
-
-
-
189 500
accident
-
-
-
1 598
health
-
-
-
13 315
income
-
-
-
33 766
surtax
-
-
-
9 394
pensions
-
-
-
28 403
communal
-
-
-
11 976
total
-
-
-
98 452
Employee
71 323
-
169 272
-
pensions
5 705
-
13 542
-
health
3 174
-
7 533
-
income
6 889
-
39 221
-
surtax
4 372
-
10 373
-
total
20 140
-
70 669
-
Employer
71 323
-
169 272
-
pensions
5 705
-
13 542
-
health
2 175
-
5 163
-
accident
642
-
1 523
-
total
8 522
-
20 228
-
Corporate
109 656
189 500
-
-
income
16 448
28 425
-
-
communal
7 401
12 791
-
-
surtax
1 151
1 989
-
-
total
25 000
43 205
-
-
Dividends
84 656
146 295
-
-
income
26 815
15 308
-
-
withholding
12 699
21 944
-
-
total
39 514
37 252
-
-
Income
189 500
189 500
189 500
189 500
Total tax
93 176
80 457
90 897
98 452
After tax
96 324
109 043
98 603
91 048
Living cost
51 182
51 182
51 182
51 182
Free-cash
45 142
57 861
47 421
39 866

Estimated living cost  is ₽51182 per week

₽38394
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3101
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽542
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.
₽9144
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
₽95045
₽62449
₽98043
₽68209
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
-
-
-
189 500
health
-
-
-
8 924
income
-
-
-
56 624
surtax
-
-
-
9 235
pensions
-
-
-
25 140
other
-
-
-
-
unemployment
-
-
-
214
total
-
-
-
100 137
Employee
31 717
-
163 041
-
unemployment
2 207
-
8 749
-
pensions
2 116
-
8 384
-
health
810
-
3 205
-
income
5 317
-
50 991
-
other
-
-
-
-
surtax
113
-
8 109
-
total
10 563
-
79 438
-
Employer
31 717
-
163 041
-
pensions
4 229
-
16 756
-
other
-
-
-
-
health
1 442
-
5 719
-
unemployment
1 006
-
3 984
-
total
6 677
-
26 459
-
Corporate
151 106
189 500
-
-
income
39 288
49 269
-
-
total
39 288
49 269
-
-
Dividends
111 818
140 231
-
-
withholding
16 773
21 034
-
-
total
16 773
21 034
-
-
Income
189 500
189 500
189 500
189 500
Total tax
73 301
70 303
105 897
100 137
After tax
116 199
119 197
83 603
89 363
Living cost
21 154
21 154
21 154
21 154
Free-cash
95 045
98 043
62 449
68 209

Estimated living cost  is ₽21154 per week

₽12772
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1839
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽491
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.
₽6053
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
₽72144
₽55886
₽74235
₽63957
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
-
-
-
189 500
social contributions
-
-
-
47 137
municipal
-
-
-
1 138
regional
-
-
-
2 889
national
-
-
-
49 009
total
-
-
-
100 173
Employee
52 244
-
189 500
-
regional
703
-
2 592
-
municipal
277
-
1 022
-
national
8 277
-
42 832
-
social contributions
17 617
-
61 798
-
total
26 874
-
108 244
-
Employer
52 244
-
189 500
-
total
-
-
-
-
Corporate
137 256
189 500
-
-
municipal
6 822
9 419
-
-
nationa
32 941
45 480
-
-
total
39 763
54 899
-
-
Dividends
97 493
134 601
-
-
withholding
25 349
34 996
-
-
total
25 349
34 996
-
-
Income
189 500
189 500
189 500
189 500
Total tax
91 986
89 895
108 244
100 173
After tax
97 514
99 605
81 256
89 327
Living cost
25 370
25 370
25 370
25 370
Free-cash
72 144
74 235
55 886
63 957

Estimated living cost  is ₽25370 per week

₽15778
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2570
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽434
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.
₽6588
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
₽91364
₽72861
₽101647
₽80846
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
-
-
-
189 500
social contributions
-
-
-
33 659
health
-
-
-
25 583
income
-
-
-
19 539
solidarity contribution
-
-
-
1 049
total
-
-
-
79 830
Employee
42 388
-
147 415
-
solidarity contribution
-
-
333
-
health
5 722
-
19 901
-
social contributions
2 755
-
7 493
-
income
5 087
-
18 003
-
total
13 564
-
45 730
-
Employer
42 388
-
147 415
-
health
3 815
-
13 267
-
social contributions
10 597
-
28 818
-
total
14 412
-
42 085
-
Corporate
132 700
189 500
-
-
income
25 213
36 005
-
-
total
25 213
36 005
-
-
Dividends
107 487
153 495
-
-
withholding
16 123
23 024
-
-
total
16 123
23 024
-
-
Income
189 500
189 500
189 500
189 500
Total tax
69 312
59 029
87 815
79 830
After tax
120 188
130 471
101 685
109 670
Living cost
28 824
28 824
28 824
28 824
Free-cash
91 364
101 647
72 861
80 846

Estimated living cost  is ₽28824 per week

₽21435
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1597
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽499
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.
₽5293
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
₽74215
₽19917
₽74680
₽67465
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
-
-
-
189 500
health
-
-
-
8 416
surtax
-
-
-
-
income
-
-
-
56 683
chamber of commerce
-
-
-
758
pensions
-
-
-
20 355
unemployment
-
-
-
5 776
total
-
-
-
91 988
Employee
41 169
37 533
154 582
-
unemployment
1 235
1 126
3 301
-
pensions
4 216
3 843
11 267
-
health
1 592
1 453
4 257
-
income
3 667
2 768
46 941
-
other
411
375
1 101
-
total
11 121
9 565
66 867
-
Employer
41 169
37 533
154 582
-
chamber of commerce
164
150
618
-
pensions
5 167
4 711
13 808
-
other
1 955
1 782
6 963
-
health
1 557
1 419
4 159
-
unemployment
1 235
1 126
3 301
-
accident
534
488
1 430
-
surtax
-
-
-
-
payroll
1 235
1 126
4 638
-
total
11 847
10 802
34 917
-
Corporate
136 483
141 165
151 008
-
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.

34 121
35 291
37 752
-
total
34 121
35 291
37 752
-
Dividends
102 362
105 874
-
-
withholding
28 149
29 115
-
-
total
28 149
29 115
-
-
Income
189 500
189 500
189 500
189 500
Total tax
85 238
84 773
139 536
91 988
After tax
104 262
104 727
49 964
97 512
Living cost
30 047
30 047
30 047
30 047
Free-cash
74 215
74 680
19 917
67 465

Estimated living cost  is ₽30047 per week

₽18025
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3069
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽536
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8418
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
₽165624
₽139473
₽167898
₽175478
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%.

-
-
-
189 500
microenterprise

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

-
-
-
1 895
total
-
-
-
1 895
Employee
15 159
-
189 500
-
income
3 032
-
37 900
-
total
3 032
-
37 900
-
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%.

174 341
189 500
-
-
total
-
-
-
-
Dividends
174 341
189 500
-
-
withholding
8 717
9 475
-
-
total
8 717
9 475
-
-
Income
189 500
189 500
189 500
189 500
Total tax
11 749
9 475
37 900
1 895
After tax
177 751
180 025
151 600
187 605
Living cost
12 127
12 127
12 127
12 127
Free-cash
165 624
167 898
139 473
175 478

Estimated living cost  is ₽12127 per week

₽8206
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽509
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽407
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.
₽3004
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
₽97331
₽60965
₽105211
₽65079
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.

-
-
-
189 500
health
-
-
-
18 647
income
-
-
-
45 622
pensions
-
-
-
34 607
unemployment
-
-
-
284
total
-
-
-
99 160
Employee

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

41 647
-
163 971
-
unemployment
59
-
229
-
pensions
6 456
-
25 415
-
health
2 690
-
10 593
-
income
7 182
-
41 508
-
total
16 387
-
77 745
-
Employer

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

41 647
-
163 971
-
pensions
3 685
-
14 511
-
health
2 774
-
10 920
-
unemployment
25
-
98
-
total
6 484
-
25 529
-
Corporate
141 369
189 500
-
-
income
26 861
36 004
-
-
total
26 861
36 004
-
-
Dividends
114 508
153 496
-
-
withholding
17 176
23 024
-
-
total
17 176
23 024
-
-
Income
189 500
189 500
189 500
189 500
Total tax
66 908
59 028
103 274
99 160
After tax
122 592
130 472
86 226
90 340
Living cost
25 261
25 261
25 261
25 261
Free-cash
97 331
105 211
60 965
65 079

Estimated living cost  is ₽25261 per week

₽17336
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1619
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.
₽5818
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
₽29064
₽135980
₽74277
₽89945
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
-
-
-
189 500
social contributions
-
-
-
21 603
income
-
-
-
36 937
total
-
-
-
58 540
Employee
58 809
-
-
-
social contributions
4 822
-
687
-
income
12 972
-
-
-
total
17 794
-
687
-
Employer
58 809
-
-
-
social contributions
82 921
-
11 818
-
total
82 921
-
11 818
-
Corporate
47 769
189 500
-
-
income
10 509
41 690
-
-
total
10 509
41 690
-
-
Dividends
37 260
147 810
-
-
income
8 197
32 518
-
-
total
8 197
32 518
-
-
Income
189 500
189 500
189 500
189 500
Total tax
119 421
74 208
12 505
58 540
After tax
70 079
115 292
176 995
130 960
Living cost
41 015
41 015
41 015
41 015
Free-cash
29 064
74 277
135 980
89 945

Estimated living cost  is ₽41015 per week

₽26612
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3857
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽523
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.
₽10023
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
₽77297
₽56062
₽78246
₽70429
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.

-
-
-
189 500
social contributions

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

-
-
-
65 852
income
-
-
-
23 677
surtax
-
-
-
-
total
-
-
-
89 529
Employee
43 316
-
153 131
-
social contributions
4 765
-
16 845
-
income
9 010
-
50 682
-
surtax
-
-
-
-
total
13 775
-
67 527
-
Employer
43 316
-
153 131
-
social contributions
10 287
-
36 369
-
total
10 287
-
36 369
-
Corporate
135 897
189 500
-
-
income
28 539
39 795
-
-
surtax
-
-
-
-
total
28 539
39 795
-
-
Dividends
107 358
149 705
-
-
withholding
30 060
41 917
-
-
total
30 060
41 917
-
-
Income
189 500
189 500
189 500
189 500
Total tax
82 661
81 712
103 896
89 529
After tax
106 839
107 788
85 604
99 971
Living cost
29 542
29 542
29 542
29 542
Free-cash
77 297
78 246
56 062
70 429

Estimated living cost  is ₽29542 per week

₽22103
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1743
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽493
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5203
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Lisbon model

Close
Paris , France
₽56493
₽55976
₽50018
₽60149
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
-
-
-
189 500
social contributions
-
-
-
5 399
health
-
-
-
8 749
income
-
-
-
32 300
surtax
-
-
-
-
pensions
-
-
-
31 540
other
-
-
-
5 875
total
-
-
-
83 863
Employee
58 987
-
145 523
-
pensions
6 672
-
10 593
-
social contributions
1 680
-
4 146
-
income
5 147
-
29 320
-
surtax
-
-
-
-
total
13 499
-
44 059
-
Employer
58 987
-
145 523
-
pensions
9 692
-
17 746
-
other
2 036
-
5 877
-
health
4 129
-
14 024
-
unemployment
2 390
-
5 894
-
social contributions
177
-
436
-
total
18 424
-
43 977
-
Corporate
112 090
189 500
-
-
income
31 384
53 060
-
-
surtax
-
-
-
-
total
31 384
53 060
-
-
Dividends
80 705
136 440
-
-
surtax
-
-
-
-
social contributions
13 882
23 469
-
-
withholding
10 330
17 465
-
-
total
24 212
40 934
-
-
Income
189 500
189 500
189 500
189 500
Total tax
87 519
93 994
88 036
83 863
After tax
101 981
95 506
101 464
105 637
Living cost
45 488
45 488
45 488
45 488
Free-cash
56 493
50 018
55 976
60 149

Estimated living cost  is ₽45488 per week

₽30786
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3721
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽624
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.
₽10357
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
₽139076
₽115473
₽142240
₽110439
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
-
-
-
189 500
social contributions
-
-
-
41 690
income
-
-
-
9 061
total
-
-
-
50 751
Employee
30 278
-
164 069
-
social contributions
1 968
-
10 665
-
income
-
-
9 621
-
total
1 968
-
20 286
-
Employer
30 278
-
164 069
-
social contributions
4 693
-
25 431
-
total
4 693
-
25 431
-
Corporate
154 528
189 500
-
-
income
15 453
18 950
-
-
total
15 453
18 950
-
-
Dividends
139 076
170 550
-
-
total
-
-
-
-
Income
189 500
189 500
189 500
189 500
Total tax
22 114
18 950
45 717
50 751
After tax
167 386
170 550
143 783
138 749
Living cost
28 310
28 310
28 310
28 310
Free-cash
139 076
142 240
115 473
110 439

Estimated living cost  is ₽28310 per week

₽18305
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2134
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽533
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.
₽7339
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
-₽15542
-₽15542
-₽15542
₽65068
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
-
-
-
189 500
municipal
-
-
-
40 179
pensions
-
-
-
816
labour market
-
-
-
15 095
national
-
-
-
23 019
total
-
-
-
79 109
Employee
191 297
191 297
191 297
-
pensions
272
272
272
-
municipal
40 736
40 736
40 736
-
national
23 370
23 370
23 370
-
labour market
15 282
15 282
15 282
-
total
79 660
79 660
79 660
-
Employer
191 297
191 297
191 297
-
municipal
40 800
40 800
40 800
-
pensions
544
544
544
-
national
23 411
23 411
23 411
-
labour market
15 304
15 304
15 304
-
total
80 059
80 059
80 059
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
189 500
189 500
189 500
189 500
Total tax
159 719
159 719
159 719
79 109
After tax
29 781
29 781
29 781
110 391
Living cost
45 323
45 323
45 323
45 323
Free-cash
-15 542
-15 542
-15 542
65 068

Estimated living cost  is ₽45323 per week

₽31019
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4009
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽697
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.
₽9597
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
₽12183
₽83042
-₽5302
₽108813
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
-
-
-
189 500
accident
-
-
-
241
health
-
-
-
2 078
income
-
-
-
53 399
pensions
-
-
-
3 964
other
-
-
-
353
total
-
-
-
60 035
Employee
32 488
-
171 920
-
pensions
3 658
-
7 269
-
health
3 720
-
19 685
-
income
4 457
-
41 272
-
total
11 835
-
68 226
-
Employer
32 488
-
171 920
-
pensions
5 282
-
10 497
-
unemployment
796
-
4 212
-
accident
542
-
2 871
-
total
6 620
-
17 580
-
Corporate
150 391
189 500
-
-
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.

135 352
170 550
-
-
total
135 352
170 550
-
-
Dividends
15 039
18 950
-
-
withholding
2 858
3 600
-
-
total
2 858
3 600
-
-
Income
189 500
189 500
189 500
189 500
Total tax
156 665
174 150
85 806
60 035
After tax
32 835
15 350
103 694
129 465
Living cost
20 652
20 652
20 652
20 652
Free-cash
12 183
-5 302
83 042
108 813

Estimated living cost  is ₽20652 per week

₽15033
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1177
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽388
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4055
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
₽84026
₽60930
₽81118
₽82637
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

-
-
-
189 500
health
-
-
-
2 525
municipal
-
-
-
33 656
national
-
-
-
34 523
total
-
-
-
70 704
Employee
49 551
-
159 417
-
unemployment
744
-
2 391
-
pensions
3 344
-
10 761
-
municipal
8 116
-
25 956
-
national
819
-
21 156
-
health
370
-
2 063
-
total
13 393
-
62 327
-
Employer
49 551
-
159 417
-
pensions
8 597
-
27 660
-
health
381
-
1 228
-
unemployment
322
-
1 037
-
accident
50
-
159
-
total
9 350
-
30 084
-
Corporate
130 600
189 500
-
-
income
26 121
37 901
-
-
total
26 121
37 901
-
-
Dividends

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

78 360
113 699
-
-
national
6 346
13 856
-
-
municipal
14 105
20 466
-
-
total
20 451
34 322
-
-
Income
189 500
189 500
189 500
189 500
Total tax
69 315
72 223
92 411
70 704
After tax
120 185
117 277
97 089
118 796
Living cost
36 159
36 159
36 159
36 159
Free-cash
84 026
81 118
60 930
82 637

Estimated living cost  is ₽36159 per week

₽23619
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3478
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.
₽8488
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
₽111236
₽104934
₽116361
₽106536
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
-
-
-
189 500
social contributions
-
-
-
15 238
health
-
-
-
4 833
income
-
-
-
41 087
total
-
-
-
61 158
Employee
72 421
72 421
178 097
-
health
561
1 231
3 028
-
social contributions
2 738
6 011
8 107
-
income
7 885
6 704
40 224
-
total
11 184
13 946
51 359
-
Employer
72 421
72 421
178 097
-
health
609
1 340
3 294
-
social contributions
2 738
6 011
8 107
-
total
3 347
7 351
11 401
-
Corporate
153 162
109 728
-
-
income
19 145
13 715
-
-
total
19 145
13 715
-
-
Dividends
134 017
96 013
-
-
withholding
22 782
16 321
-
-
total
22 782
16 321
-
-
Income
189 500
189 500
189 500
189 500
Total tax
56 458
51 333
62 760
61 158
After tax
133 042
138 167
126 740
128 342
Living cost
21 806
21 806
21 806
21 806
Free-cash
111 236
116 361
104 934
106 536

Estimated living cost  is ₽21806 per week

₽13068
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2139
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽483
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.
₽6116
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
₽137182
₽126755
₽141970
₽145645
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
-
-
-
189 500
health
-
-
-
3 408
income
-
-
-
19 476
pensions
-
-
-
5 991
unemployment
-
-
-
27
total
-
-
-
28 902
Employee

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

21 618
-
180 296
-
unemployment
107
-
447
-
pensions
3 242
-
13 404
-
health
1 837
-
7 596
-
income
1 478
-
17 140
-
total
6 664
-
38 587
-
Employer

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

21 618
-
180 296
-
pensions
1 189
-
4 915
-
health
929
-
3 843
-
unemployment
107
-
447
-
total
2 225
-
9 205
-
Corporate
165 657
189 500
-
-
income
14 909
17 056
-
-
total
14 909
17 056
-
-
Dividends
150 748
172 444
-
-
withholding
13 567
15 521
-
-
total
13 567
15 521
-
-
Income
189 500
189 500
189 500
189 500
Total tax
37 365
32 577
47 792
28 902
After tax
152 135
156 923
141 708
160 598
Living cost
14 953
14 953
14 953
14 953
Free-cash
137 182
141 970
126 755
145 645

Estimated living cost  is ₽14953 per week

₽9540
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1078
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽445
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.
₽3889
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
₽95969
₽76230
₽100130
₽80183
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
-
-
-
189 500
accident
-
-
-
786
income
-
-
-
57 229
pensions
-
-
-
24 704
other
-
-
-
88
unemployment
-
-
-
611
total
-
-
-
83 418
Employee
34 824
-
161 671
-
unemployment
540
-
1 353
-
pensions
1 637
-
4 104
-
income
6 714
-
53 996
-
other
34
-
88
-
total
8 925
-
59 541
-
Employer
34 824
-
161 671
-
pensions
8 218
-
20 602
-
other
279
-
699
-
unemployment
1 916
-
4 801
-
accident
690
-
1 728
-
total
11 103
-
27 830
-
Corporate
143 573
189 500
-
-
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.

21 537
28 425
-
-
total
21 537
28 425
-
-
Dividends
122 037
161 075
-
-
withholding
26 067
35 046
-
-
total
26 067
35 046
-
-
Income
189 500
189 500
189 500
189 500
Total tax
67 632
63 471
87 371
83 418
After tax
121 868
126 029
102 129
106 082
Living cost
25 899
25 899
25 899
25 899
Free-cash
95 969
100 130
76 230
80 183

Estimated living cost  is ₽25899 per week

₽17481
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2490
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽454
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.
₽5474
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
₽116093
₽120108
₽116398
₽120239
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
-
-
-
189 500
health
-
-
-
978
income
-
-
-
65 084
pensions
-
-
-
1 349
total
-
-
-
67 411
Employee
2 817
-
187 982
-
unemployment
28
-
67
-
pensions
254
-
607
-
health
141
-
337
-
income
545
-
65 013
-
total
968
-
66 024
-
Employer
2 817
-
187 982
-
pensions
310
-
742
-
health
268
-
641
-
unemployment
56
-
135
-
total
634
-
1 518
-
Corporate
186 049
189 500
-
-
income
40 931
41 690
-
-
total
40 931
41 690
-
-
Dividends
145 118
147 810
-
-
withholding
29 024
29 562
-
-
total
29 024
29 562
-
-
Income
189 500
189 500
189 500
189 500
Total tax
71 557
71 252
67 542
67 411
After tax
117 943
118 248
121 958
122 089
Living cost
1 850
1 850
1 850
1 850
Free-cash
116 093
116 398
120 108
120 239

Estimated living cost  is ₽1850 per week

₽1099
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽150
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽42
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽558
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
₽116002
₽103479
₽120634
₽103479
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.

-
-
-
189 500
health
-
-
-
7 166
income
-
-
-
43 443
pensions
-
-
-
18 088
unemployment
-
-
-
1 044
total
-
-
-
69 741
Employee

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

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

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

24 548
-
177 047
-
unemployment
184
-
522
-
pensions
3 437
-
9 740
-
health
1 264
-
3 583
-
income
3 384
-
43 443
-
total
8 269
-
57 288
-
Employer

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

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

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

24 548
-
177 047
-
pensions
2 946
-
8 348
-
health
1 264
-
3 583
-
unemployment
184
-
522
-
total
4 394
-
12 453
-
Corporate
160 557
189 500
-
-
income
24 084
28 425
-
-
total
24 084
28 425
-
-
Dividends
136 474
161 075
-
-
withholding
20 471
24 161
-
-
total
20 471
24 161
-
-
Income
189 500
189 500
189 500
189 500
Total tax
57 218
52 586
69 741
69 741
After tax
132 282
136 914
119 759
119 759
Living cost
16 280
16 280
16 280
16 280
Free-cash
116 002
120 634
103 479
103 479

Estimated living cost  is ₽16280 per week

₽10961
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1259
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽471
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.
₽3588
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
₽82057
₽60213
₽82397
₽74580
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.

-
-
-
189 500
social contributions

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

-
-
-
65 852
income
-
-
-
23 677
surtax
-
-
-
-
total
-
-
-
89 529
Employee
36 554
-
153 131
-
social contributions
4 021
-
16 845
-
income
7 142
-
50 682
-
surtax
-
-
-
-
total
11 163
-
67 527
-
Employer
36 554
-
153 131
-
social contributions
8 681
-
36 369
-
total
8 681
-
36 369
-
Corporate
144 265
189 500
-
-
income
30 296
39 795
-
-
surtax
-
-
-
-
total
30 296
39 795
-
-
Dividends
113 970
149 705
-
-
withholding
31 912
41 917
-
-
total
31 912
41 917
-
-
Income
189 500
189 500
189 500
189 500
Total tax
82 052
81 712
103 896
89 529
After tax
107 448
107 788
85 604
99 971
Living cost
25 391
25 391
25 391
25 391
Free-cash
82 057
82 397
60 213
74 580

Estimated living cost  is ₽25391 per week

₽17983
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1764
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽450
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5194
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
₽86766
₽69030
₽92930
₽72983
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
-
-
-
189 500
accident
-
-
-
786
income
-
-
-
57 229
pensions
-
-
-
24 704
other
-
-
-
88
unemployment
-
-
-
611
total
-
-
-
83 418
Employee
45 485
-
161 671
-
unemployment
704
-
1 353
-
pensions
2 138
-
4 104
-
income
9 500
-
53 996
-
other
45
-
88
-
total
12 387
-
59 541
-
Employer
45 485
-
161 671
-
pensions
10 734
-
20 602
-
other
365
-
699
-
unemployment
2 502
-
4 801
-
accident
901
-
1 728
-
total
14 502
-
27 830
-
Corporate
129 513
189 500
-
-
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.

19 428
28 425
-
-
total
19 428
28 425
-
-
Dividends
110 085
161 075
-
-
withholding
23 318
35 046
-
-
total
23 318
35 046
-
-
Income
189 500
189 500
189 500
189 500
Total tax
69 635
63 471
87 371
83 418
After tax
119 865
126 029
102 129
106 082
Living cost
33 099
33 099
33 099
33 099
Free-cash
86 766
92 930
69 030
72 983

Estimated living cost  is ₽33099 per week

₽23771
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2574
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽466
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.
₽6289
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
₽140071
₽143763
₽145812
₽136077
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
-
-
-
189 500
health
-
-
-
3 785
income
-
-
-
28 425
pensions

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

-
-
-
4 871
unemployment
-
-
-
132
total
-
-
-
37 213
Employee
21 464
-
183 042
-
accident

We are using the highest rate at 1.1%.

236
-
362
-
pensions

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

1 884
-
2 890
-
health
987
-
1 514
-
income
2 147
-
18 304
-
total
5 254
-
23 070
-
Employer
21 464
-
183 042
-
pensions

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

2 365
-
3 627
-
health
1 481
-
2 271
-
unemployment
129
-
197
-
accident

We are using the highest rate at 1.1%.

236
-
362
-
total
4 211
-
6 457
-
Corporate
163 825
189 500
-
-
income
16 382
18 950
-
-
total
16 382
18 950
-
-
Dividends
147 443
170 550
-
-
withholding
7 372
8 528
-
-
total
7 372
8 528
-
-
Income
189 500
189 500
189 500
189 500
Total tax
33 219
27 478
29 527
37 213
After tax
156 281
162 022
159 973
152 287
Living cost
16 210
16 210
16 210
16 210
Free-cash
140 071
145 812
143 763
136 077

Estimated living cost  is ₽16210 per week

₽10721
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽928
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽387
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4175
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
₽73447
₽82146
₽61125
₽61237
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.

-
-
-
189 500
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.

-
-
-
6 434
trade
-
-
-
20 909
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.

-
-
-
61 194
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.

-
-
-
3 365
total
-
-
-
91 902
Employee

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

46 861
-
189 500
-
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.

6 434
-
6 434
-
income

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

3 853
-
61 194
-
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.

213
-
3 365
-
total
10 500
-
70 993
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
142 639
189 500
-
-
income
21 395
28 425
-
-
chamber of commerce
352
420
-
-
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.

1 176
1 564
-
-
trade
20 470
27 193
-
-
total
43 393
57 602
-
-
Dividends
99 246
131 898
-
-
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.

1 346
1 794
-
-
withholding
24 453
32 618
-
-
total
25 799
34 412
-
-
Income
189 500
189 500
189 500
189 500
Total tax
79 692
92 014
70 993
91 902
After tax
109 808
97 486
118 507
97 598
Living cost
36 361
36 361
36 361
36 361
Free-cash
73 447
61 125
82 146
61 237

Estimated living cost  is ₽36361 per week

₽25082
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3912
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽527
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.
₽6838
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
₽81081
₽43455
₽78999
₽43455
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
-
-
-
189 500
social contributions
-
-
-
32 162
income
-
-
-
60 233
total
-
-
-
92 395
Employee
73 671
-
189 500
-
social contributions
6 120
-
32 162
-
income
13 901
-
60 233
-
total
20 021
-
92 395
-
Employer
73 671
-
189 500
-
total
-
-
-
-
Corporate
115 829
189 500
-
-
income
14 479
23 688
-
-
total
14 479
23 688
-
-
Dividends
101 351
165 812
-
-
withholding
20 269
33 163
-
-
total
20 269
33 163
-
-
Income
189 500
189 500
189 500
189 500
Total tax
54 769
56 851
92 395
92 395
After tax
134 731
132 649
97 105
97 105
Living cost
53 650
53 650
53 650
53 650
Free-cash
81 081
78 999
43 455
43 455

Estimated living cost  is ₽53650 per week

₽40816
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4372
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽513
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.
₽7950
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
₽87302
₽99110
₽84011
₽121044
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.

-
-
-
189 500
income
-
-
-
28 425
health

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

-
-
-
5 843
total
-
-
-
34 268
Employee
43 205
-
185 168
-
social contributions
4 329
-
4 332
-
income
4 688
-
47 538
-
total
9 017
-
51 870
-
Employer
43 205
-
185 168
-
social contributions
4 329
-
4 332
-
total
4 329
-
4 332
-
Corporate
141 967
189 500
-
-
income
49 688
66 325
-
-
total
49 688
66 325
-
-
Dividends
92 279
123 175
-
-
social contributions
4 976
4 976
-
-
total
4 976
4 976
-
-
Income
189 500
189 500
189 500
189 500
Total tax
68 010
71 301
56 202
34 268
After tax
121 490
118 199
133 298
155 232
Living cost
34 188
34 188
34 188
34 188
Free-cash
87 302
84 011
99 110
121 044

Estimated living cost  is ₽34188 per week

₽22520
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2695
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽524
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.
₽8448
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
₽92295
₽72293
₽86815
₽89299
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
-
-
-
189 500
income
-
-
-
56 972
pensions
-
-
-
8 856
total
-
-
-
65 828
Employee
47 182
-
165 295
-
pensions
3 601
-
10 698
-
health
615
-
2 293
-
income
8 592
-
45 637
-
total
12 808
-
58 628
-
Employer
47 182
-
165 295
-
pensions
4 767
-
21 065
-
health
897
-
3 141
-
total
5 664
-
24 206
-
Corporate
136 655
189 500
-
-
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.

25 964
36 005
-
-
total
25 964
36 005
-
-
Dividends
110 691
153 495
-
-
withholding
18 396
32 307
-
-
total
18 396
32 307
-
-
Income
189 500
189 500
189 500
189 500
Total tax
62 832
68 312
82 834
65 828
After tax
126 668
121 188
106 666
123 672
Living cost
34 373
34 373
34 373
34 373
Free-cash
92 295
86 815
72 293
89 299

Estimated living cost  is ₽34373 per week

₽23580
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3161
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽430
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.
₽7200
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
₽11869
₽80997
-₽7347
₽106768
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
-
-
-
189 500
accident
-
-
-
241
health
-
-
-
2 078
income
-
-
-
53 399
pensions
-
-
-
3 964
other
-
-
-
353
total
-
-
-
60 035
Employee
35 703
-
171 920
-
pensions
4 020
-
7 269
-
health
4 088
-
19 685
-
income
4 898
-
41 272
-
total
13 006
-
68 226
-
Employer
35 703
-
171 920
-
pensions
5 805
-
10 497
-
unemployment
875
-
4 212
-
accident
596
-
2 871
-
total
7 276
-
17 580
-
Corporate
146 521
189 500
-
-
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.

131 868
170 550
-
-
total
131 868
170 550
-
-
Dividends
14 652
18 950
-
-
withholding
2 784
3 600
-
-
total
2 784
3 600
-
-
Income
189 500
189 500
189 500
189 500
Total tax
154 934
174 150
85 806
60 035
After tax
34 566
15 350
103 694
129 465
Living cost
22 697
22 697
22 697
22 697
Free-cash
11 869
-7 347
80 997
106 768

Estimated living cost  is ₽22697 per week

₽16657
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1323
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽457
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4260
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
₽142321
₽124439
₽132235
₽103711
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.

-
-
-
189 500
income
-
-
-
31 599
health insurance
-
-
-
11 156
pensions
-
-
-
27 738
unemployment
-
-
-
1 809
work injury
-
-
-
754
total
-
-
-
73 056
Employee

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

20 372
-
189 500
-
unemployment
244
-
905
-
pensions
3 749
-
13 869
-
work injury
102
-
377
-
income
2 037
-
31 599
-
health insurance
1 508
-
5 578
-
total
7 640
-
52 328
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
169 128
189 500
-
-
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%.

1 691
18 950
-
-
total
1 691
18 950
-
-
Dividends
167 436
170 550
-
-
withholding
25 115
25 582
-
-
total
25 115
25 582
-
-
Income
189 500
189 500
189 500
189 500
Total tax
34 446
44 532
52 328
73 056
After tax
155 054
144 968
137 172
116 444
Living cost
12 733
12 733
12 733
12 733
Free-cash
142 321
132 235
124 439
103 711

Estimated living cost  is ₽12733 per week

₽7888
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽925
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽397
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.
₽3522
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
₽58012
₽42258
₽62296
₽50128
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
-
-
-
189 500
social contributions
-
-
-
47 137
municipal
-
-
-
1 281
regional
-
-
-
4 426
national
-
-
-
49 009
total
-
-
-
101 853
Employee
79 363
-
189 500
-
regional
1 198
-
3 944
-
municipal
474
-
1 149
-
national
13 412
-
42 832
-
social contributions
26 761
-
61 798
-
total
41 845
-
109 723
-
Employer
79 363
-
189 500
-
total
-
-
-
-
Corporate
110 137
189 500
-
-
municipal
5 308
9 135
-
-
nationa
26 434
45 480
-
-
total
31 742
54 615
-
-
Dividends
78 395
134 885
-
-
withholding
20 382
35 070
-
-
total
20 382
35 070
-
-
Income
189 500
189 500
189 500
189 500
Total tax
93 969
89 685
109 723
101 853
After tax
95 531
99 815
79 777
87 647
Living cost
37 519
37 519
37 519
37 519
Free-cash
58 012
62 296
42 258
50 128

Estimated living cost  is ₽37519 per week

₽26355
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2581
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽567
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.
₽8016
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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