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
₽ 19000
per

Your estimated
City
free-cash

Dresden , Germany
-₽17927
-₽17927
-₽19049
-₽20291
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
19 000
trade
-
-
-
-
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.

-
-
-
6 796
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.

-
-
-
-
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.

-
-
-
-
total
-
-
-
6 796
Employee

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

38 048
-
19 000
-
surtax

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

59
-
-
-
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.

1 063
-
-
-
health

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

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

6 796
-
6 796
-
total
7 918
-
6 796
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
19 000
-
-
trade
-
2 992
-
-
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.

-
157
-
-
income
-
2 851
-
-
chamber of commerce
-
177
-
-
total
-
6 177
-
-
Dividends
-
12 823
-
-
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.

-
155
-
-
withholding
-
2 828
-
-
total
-
2 983
-
-
Income
19 000
19 000
19 000
19 000
Total tax
7 918
9 160
6 796
6 796
After tax
11 082
9 840
12 204
12 204
Living cost
30 131
30 131
30 131
30 131
Free-cash
-19 049
-20 291
-17 927
-17 927

Estimated living cost  is ₽30131 per week

₽18953
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3513
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽563
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7102
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽36177
-₽36028
-₽65867
-₽38336
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
social contributions
-
-
-
204
municipal
-
-
-
981
national
-
-
-
1 520
pensions
-
-
-
2 280
total
-
-
-
4 985
Employee
77 807
-
16 425
-
pensions
3 112
-
657
-
national
14 892
-
1 634
-
municipal
9 610
-
1 054
-
total
27 614
-
3 345
-
Employer
77 807
-
16 425
-
pensions
6 225
-
1 314
-
social contributions
836
-
177
-
total
7 061
-
1 491
-
Corporate
-
19 000
-
-
income

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

-
3 800
-
-
total
-
3 800
-
-
Dividends
-
15 200
-
-
withholding
-
3 344
-
-
total
-
3 344
-
-
Income
19 000
19 000
19 000
19 000
Total tax
34 675
7 144
4 836
4 985
After tax
-15 675
11 856
14 164
14 015
Living cost
50 192
50 192
50 192
50 192
Free-cash
-65 867
-38 336
-36 028
-36 177

Estimated living cost  is ₽50192 per week

₽34115
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4666
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽751
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10660
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽7679
-₽9795
-₽17070
-₽5496
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
19 000
social contributions

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

-
-
-
3 132
income
-
-
-
-
microenterprise
-
-
-
2 851
surtax
-
-
-
-
total
-
-
-
5 983
Employee
29 068
-
15 311
-
income
5 174
-
2 726
-
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.

3 198
-
1 684
-
surtax
-
-
-
-
total
8 372
-
4 410
-
Employer
29 068
-
15 311
-
social contributions

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

7 002
-
3 689
-
surtax
-
-
-
-
total
7 002
-
3 689
-
Corporate
-
19 000
-
-
income

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

-
3 800
-
-
total
-
3 800
-
-
Dividends

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

-
15 200
-
-
total
-
-
-
-
Income
19 000
19 000
19 000
19 000
Total tax
15 374
3 800
8 099
5 983
After tax
3 626
15 200
10 901
13 017
Living cost
20 696
20 696
20 696
20 696
Free-cash
-17 070
-5 496
-9 795
-7 679

Estimated living cost  is ₽20696 per week

₽13203
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1971
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽470
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5052
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽30721
-₽79784
-₽79784
-₽74200
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
health
-
-
-
2 917
income
-
-
-
1 710
pensions
-
-
-
3 421
total
-
-
-
8 048
Employee
84 950
84 950
84 950
-
income

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

13 905
13 905
13 905
-
pensions
15 291
11 655
15 291
-
health
13 039
11 091
13 039
-
total
42 235
36 651
42 235
-
Employer
84 950
84 950
84 950
-
pensions
5 913
5 913
5 913
-
health
5 905
5 905
5 905
-
unemployment
3 058
3 058
3 058
-
total
14 876
14 876
14 876
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Income
19 000
19 000
19 000
19 000
Total tax
57 111
51 527
57 111
8 048
After tax
-38 111
-32 527
-38 111
10 952
Living cost
41 673
41 673
41 673
41 673
Free-cash
-79 784
-74 200
-79 784
-30 721

Estimated living cost  is ₽41673 per week

₽29532
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3757
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽663
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7721
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽28893
-₽28218
-₽52840
-₽27990
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
other
-
-
-
2 208
unemployment
-
-
-
19
accident
-
-
-
38
municipal
-
-
-
4 024
health
-
-
-
1 186
national
-
-
-
-
pensions
-
-
-
2 054
total
-
-
-
9 529
Employee
54 665
-
14 458
-
national
-
-
-
-
municipal
16 301
-
4 311
-
total
16 301
-
4 311
-
Employer
54 665
-
14 458
-
pensions
5 909
-
1 563
-
other
6 352
-
1 680
-
accident
109
-
29
-
health
3 362
-
889
-
unemployment
1 443
-
382
-
total
17 175
-
4 543
-
Corporate
-
19 000
-
-
income
-
4 180
-
-
total
-
4 180
-
-
Dividends
-
14 820
-
-
withholding
-
4 446
-
-
total
-
4 446
-
-
Income
19 000
19 000
19 000
19 000
Total tax
33 476
8 626
8 854
9 529
After tax
-14 476
10 374
10 146
9 471
Living cost
38 364
38 364
38 364
38 364
Free-cash
-52 840
-27 990
-28 218
-28 893

Estimated living cost  is ₽38364 per week

₽25426
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3765
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽583
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8591
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽26875
-₽26875
-₽31447
-₽29337
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
19 000
trade
-
-
-
-
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.

-
-
-
6 796
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.

-
-
-
-
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.

-
-
-
-
total
-
-
-
6 796
Employee

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

50 447
-
19 000
-
surtax

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

238
-
-
-
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.

4 334
-
-
-
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.

6 796
-
6 796
-
total
11 368
-
6 796
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
19 000
-
-
trade
-
3 126
-
-
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.

-
157
-
-
income
-
2 851
-
-
chamber of commerce
-
177
-
-
total
-
6 311
-
-
Dividends
-
12 689
-
-
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.

-
153
-
-
withholding
-
2 794
-
-
total
-
2 947
-
-
Income
19 000
19 000
19 000
19 000
Total tax
11 368
9 258
6 796
6 796
After tax
7 632
9 742
12 204
12 204
Living cost
39 079
39 079
39 079
39 079
Free-cash
-31 447
-29 337
-26 875
-26 875

Estimated living cost  is ₽39079 per week

₽26136
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4121
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽583
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8238
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽20129
-₽27064
-₽30321
-₽35761
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
37 817
social contributions
-
-
-
5 899
health
-
-
-
965
income
-
-
-
-
total
-
-
-
6 864
Employee
76 493
76 493
76 493
-
income
8 032
7 081
8 601
-
social contributions
3 717
6 349
2 141
-
health
761
1 301
438
-
total
12 510
14 731
11 180
-
Employer
76 493
76 493
76 493
-
health
829
1 416
478
-
social contributions
3 717
6 349
2 141
-
total
4 546
7 765
2 619
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
19 000
19 000
19 000
19 000
Total tax
17 056
22 496
13 799
6 864
After tax
1 944
-3 496
5 201
12 136
Living cost
32 265
32 265
32 265
32 265
Free-cash
-30 321
-35 761
-27 064
-20 129

Estimated living cost  is ₽32265 per week

₽22057
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2520
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.
₽7147
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽5132
-₽7279
-₽12558
-₽7290
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
unemployment
-
-
-
285
health
-
-
-
1 330
income
-
-
-
2 323
pensions
-
-
-
1 900
total
-
-
-
5 838
Employee

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

The minimum wage is 138,000 HUF per month.

26 408
10 510
15 900
-
income
3 228
1 285
1 944
-
pensions
2 641
1 051
1 590
-
unemployment
396
158
238
-
health
1 849
736
1 113
-
total
8 114
3 230
4 885
-
Employer

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

The minimum wage is 138,000 HUF per month.

26 408
10 510
15 900
-
pensions
5 150
2 049
3 100
-
total
5 150
2 049
3 100
-
Corporate
-
6 441
-
-
income
-
580
-
-
total
-
580
-
-
Dividends
-
5 861
-
-
social contributions
-
1 023
-
-
withholding
-
1 114
-
-
total
-
2 137
-
-
Income
19 000
19 000
19 000
19 000
Total tax
13 264
7 996
7 985
5 838
After tax
5 736
11 004
11 015
13 162
Living cost
18 294
18 294
18 294
18 294
Free-cash
-12 558
-7 290
-7 279
-5 132

Estimated living cost  is ₽18294 per week

₽12484
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1497
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽366
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3948
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽11577
-₽10807
-₽18758
-₽8827
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
health
-
-
-
2 469
income
-
-
-
281
pensions
-
-
-
3 800
total
-
-
-
6 550
Employee
28 220
-
14 199
-
income
3 177
-
472
-
pensions
564
-
283
-
unemployment
451
-
227
-
total
4 192
-
982
-
Employer
28 220
-
14 199
-
pensions
5 644
-
2 839
-
health
3 668
-
1 846
-
unemployment
227
-
113
-
total
9 539
-
4 798
-
Corporate
-
19 000
-
-
income
-
3 800
-
-
total
-
3 800
-
-
Dividends
-
15 200
-
-
total
-
-
-
-
Income
19 000
19 000
19 000
19 000
Total tax
13 731
3 800
5 780
6 550
After tax
5 269
15 200
13 220
12 450
Living cost
24 027
24 027
24 027
24 027
Free-cash
-18 758
-8 827
-10 807
-11 577

Estimated living cost  is ₽24027 per week

₽16480
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1431
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.
₽5633
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽11933
-₽11832
-₽22406
-₽20327
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
other
-
-
-
368
accident
-
-
-
251
health
-
-
-
2 168
income
-
-
-
2 144
pensions
-
-
-
4 136
total
-
-
-
9 067
Employee
34 397
-
15 783
-
income
4 719
-
2 165
-
pensions
3 873
-
1 777
-
health
3 938
-
1 807
-
total
12 530
-
5 749
-
Employer
34 397
-
15 783
-
pensions
5 593
-
2 566
-
accident
574
-
264
-
unemployment
843
-
387
-
total
7 010
-
3 217
-
Corporate
-
19 000
-
-
income

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

-
17 100
-
-
total
-
17 100
-
-
Dividends
-
1 900
-
-
withholding
-
361
-
-
total
-
361
-
-
Income
19 000
19 000
19 000
19 000
Total tax
19 540
17 461
8 966
9 067
After tax
-540
1 539
10 034
9 933
Living cost
21 866
21 866
21 866
21 866
Free-cash
-22 406
-20 327
-11 832
-11 933

Estimated living cost  is ₽21866 per week

₽16026
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1211
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽456
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4173
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽9850
₽6240
₽7410
₽9090
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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%.

-
-
-
19 000
microenterprise

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

-
-
-
190
total
-
-
-
190
Employee
11 200
-
19 000
-
income
2 240
-
3 800
-
total
2 240
-
3 800
-
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%.

7 800
19 000
-
-
total
-
-
-
-
Dividends
7 800
19 000
-
-
withholding
390
950
-
-
total
390
950
-
-
Income
19 000
19 000
19 000
19 000
Total tax
2 630
950
3 800
190
After tax
16 370
18 050
15 200
18 810
Living cost
8 960
8 960
8 960
8 960
Free-cash
7 410
9 090
6 240
9 850

Estimated living cost  is ₽8960 per week

₽5553
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽745
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽246
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2416
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽16219
-₽15370
-₽26224
-₽12549
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
other
-
-
-
902
health
-
-
-
836
income
-
-
-
2 413
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.

-
-
-
4 561
total
-
-
-
8 712
Employee
36 119
-
15 175
-
income
6 218
-
2 613
-
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.

2 528
-
1 063
-
unemployment
361
-
151
-
health
506
-
213
-
total
9 613
-
4 040
-
Employer
36 119
-
15 175
-
pensions

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

6 141
-
2 579
-
other
1 807
-
759
-
accident
289
-
121
-
health
506
-
213
-
unemployment
361
-
151
-
total
9 104
-
3 823
-
Corporate
-
19 000
-
-
income
-
3 991
-
-
total
-
3 991
-
-
Dividends
-
15 009
-
-
withholding
-
1 051
-
-
total
-
1 051
-
-
Income
19 000
19 000
19 000
19 000
Total tax
18 717
5 042
7 863
8 712
After tax
283
13 958
11 137
10 288
Living cost
26 507
26 507
26 507
26 507
Free-cash
-26 224
-12 549
-15 370
-16 219

Estimated living cost  is ₽26507 per week

₽18729
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1790
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽427
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5561
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽51609
-₽52335
-₽88424
-₽52539
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
income
-
-
-
3 791
pensions
-
-
-
44
total
-
-
-
3 835
Employee
94 475
-
18 048
-
income
17 030
-
3 611
-
pensions
9 114
-
-
-
health
1 557
-
-
-
total
27 701
-
3 611
-
Employer
94 475
-
18 048
-
pensions
11 155
-
607
-
health
1 794
-
343
-
total
12 949
-
950
-
Corporate
-
19 000
-
-
income

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

-
3 611
-
-
total
-
3 611
-
-
Dividends
-
15 389
-
-
withholding
-
1 154
-
-
total
-
1 154
-
-
Income
19 000
19 000
19 000
19 000
Total tax
40 650
4 765
4 561
3 835
After tax
-21 650
14 235
14 439
15 165
Living cost
66 774
66 774
66 774
66 774
Free-cash
-88 424
-52 539
-52 335
-51 609

Estimated living cost  is ₽66774 per week

₽50035
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽7846
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽543
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8351
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽1952
-₽1033
-₽1638
₽3216
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
unemployment
-
-
-
76
health
-
-
-
2 185
income
-
-
-
2 850
pensions

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

-
-
-
2 812
total
-
-
-
7 923
Employee
17 253
-
15 884
-
income
1 725
-
1 588
-
pensions

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

1 515
-
1 394
-
health
794
-
731
-
accident

We are using the highest rate at 1.1%.

190
-
175
-
total
4 224
-
3 888
-
Employer
17 253
-
15 884
-
pensions

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

1 901
-
1 750
-
accident

We are using the highest rate at 1.1%.

190
-
175
-
health
1 191
-
1 096
-
unemployment
103
-
95
-
total
3 385
-
3 116
-
Corporate
-
19 000
-
-
income
-
1 900
-
-
total
-
1 900
-
-
Dividends
-
17 100
-
-
withholding
-
855
-
-
total
-
855
-
-
Income
19 000
19 000
19 000
19 000
Total tax
7 609
2 755
7 004
7 923
After tax
11 391
16 245
11 996
11 077
Living cost
13 029
13 029
13 029
13 029
Free-cash
-1 638
3 216
-1 033
-1 952

Estimated living cost  is ₽13029 per week

₽7607
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽930
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽345
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4147
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽44210
-₽93273
-₽89376
-₽87689
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
health
-
-
-
2 917
income
-
-
-
1 710
pensions
-
-
-
3 421
total
-
-
-
8 048
Employee
92 228
84 950
84 950
-
income

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

13 905
13 905
13 905
-
pensions
11 655
11 655
15 291
-
health
11 506
11 091
13 039
-
total
37 066
36 651
42 235
-
Employer
92 228
84 950
84 950
-
pensions
6 418
5 913
5 913
-
health
6 409
5 905
5 905
-
unemployment
3 321
3 058
3 058
-
total
16 148
14 876
14 876
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Income
19 000
19 000
19 000
19 000
Total tax
53 214
51 527
57 111
8 048
After tax
-34 214
-32 527
-38 111
10 952
Living cost
55 162
55 162
55 162
55 162
Free-cash
-89 376
-87 689
-93 273
-44 210

Estimated living cost  is ₽55162 per week

₽40691
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4927
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽632
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8912
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽14793
-₽14405
-₽28388
-₽10965
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
social contributions
-
-
-
5 548
health
-
-
-
2 565
income
-
-
-
1 633
solidarity contribution
-
-
-
-
total
-
-
-
9 746
Employee
35 363
-
14 179
-
income
4 244
-
1 701
-
solidarity contribution
-
-
-
-
social contributions
2 299
-
922
-
health
4 774
-
1 914
-
total
11 317
-
4 537
-
Employer
35 363
-
14 179
-
health
3 183
-
1 276
-
social contributions
8 841
-
3 545
-
total
12 024
-
4 821
-
Corporate
-
19 000
-
-
income
-
3 610
-
-
total
-
3 610
-
-
Dividends
-
15 390
-
-
withholding
-
2 308
-
-
total
-
2 308
-
-
Income
19 000
19 000
19 000
19 000
Total tax
23 341
5 918
9 358
9 746
After tax
-4 341
13 082
9 642
9 254
Living cost
24 047
24 047
24 047
24 047
Free-cash
-28 388
-10 965
-14 405
-14 793

Estimated living cost  is ₽24047 per week

₽16703
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1711
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽473
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5160
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽33515
-₽35308
-₽69409
-₽31841
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
social contributions
-
-
-
7 710
municipal
-
-
-
91
national
-
-
-
2 598
regional
-
-
-
140
total
-
-
-
10 539
Employee
88 409
-
19 000
-
national
15 319
-
2 044
-
social contributions
29 812
-
10 107
-
municipal
468
-
72
-
regional
834
-
109
-
total
46 433
-
12 332
-
Employer
88 409
-
19 000
-
total
-
-
-
-
Corporate
-
19 000
-
-
nationa
-
4 561
-
-
municipal
-
742
-
-
total
-
5 303
-
-
Dividends
-
13 697
-
-
withholding
-
3 562
-
-
total
-
3 562
-
-
Income
19 000
19 000
19 000
19 000
Total tax
46 433
8 865
12 332
10 539
After tax
-27 433
10 135
6 668
8 461
Living cost
41 976
41 976
41 976
41 976
Free-cash
-69 409
-31 841
-35 308
-33 515

Estimated living cost  is ₽41976 per week

₽29260
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2752
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽644
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9318
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽11052
-₽11428
-₽20821
-₽10000
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
other
-
-
-
-
unemployment
-
-
-
227
health
-
-
-
1 348
income
-
-
-
2 726
surtax
-
-
-
-
pensions
-
-
-
3 800
total
-
-
-
8 101
Employee
32 897
-
15 695
-
income
5 514
-
2 632
-
pensions
2 194
-
1 048
-
unemployment
2 290
-
1 093
-
health
840
-
400
-
other
-
-
-
-
surtax
108
-
-
-
total
10 946
-
5 173
-
Employer
32 897
-
15 695
-
pensions
4 385
-
2 092
-
other
-
-
-
-
health
1 497
-
714
-
unemployment
1 042
-
498
-
total
6 924
-
3 304
-
Corporate
-
19 000
-
-
income
-
4 940
-
-
total
-
4 940
-
-
Dividends
-
14 060
-
-
withholding
-
2 109
-
-
total
-
2 109
-
-
Income
19 000
19 000
19 000
19 000
Total tax
17 870
7 049
8 477
8 101
After tax
1 130
11 951
10 523
10 899
Living cost
21 951
21 951
21 951
21 951
Free-cash
-20 821
-10 000
-11 428
-11 052

Estimated living cost  is ₽21951 per week

₽13422
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2026
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽506
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5997
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽30453
-₽31179
-₽52371
-₽31383
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
income
-
-
-
3 791
pensions
-
-
-
44
total
-
-
-
3 835
Employee
63 315
-
18 048
-
income
11 403
-
3 611
-
pensions
5 374
-
-
-
health
919
-
-
-
total
17 696
-
3 611
-
Employer
63 315
-
18 048
-
pensions
6 854
-
607
-
health
1 203
-
343
-
total
8 057
-
950
-
Corporate
-
19 000
-
-
income

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

-
3 611
-
-
total
-
3 611
-
-
Dividends
-
15 389
-
-
withholding
-
1 154
-
-
total
-
1 154
-
-
Income
19 000
19 000
19 000
19 000
Total tax
25 753
4 765
4 561
3 835
After tax
-6 753
14 235
14 439
15 165
Living cost
45 618
45 618
45 618
45 618
Free-cash
-52 371
-31 383
-31 179
-30 453

Estimated living cost  is ₽45618 per week

₽34177
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3419
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽477
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7544
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽58929
-₽61758
-₽77495
-₽66596
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
other

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

-
-
-
381
health
-
-
-
246
city
-
-
-
197
national
-
-
-
-
regional
-
-
-
73
pensions
-
-
-
1 748
total
-
-
-
2 645
Employee
88 102
-
16 011
-
pensions
7 402
-
2 456
-
national
417
-
-
-
unemployment
-
-
-
-
city
946
-
159
-
health
199
-
37
-
regional
2 885
-
8
-
total
11 849
-
2 660
-
Employer
88 102
-
16 011
-
pensions
7 402
-
2 456
-
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.

1 761
-
321
-
health
199
-
37
-
unemployment
-
-
-
-
total
9 362
-
2 814
-
Corporate
-
19 000
-
-
regional
-
4 018
-
-
national
-
1 615
-
-
total
-
5 633
-
-
Dividends
-
13 367
-
-
withholding
-
4 679
-
-
total
-
4 679
-
-
Income
19 000
19 000
19 000
19 000
Total tax
21 211
10 312
5 474
2 645
After tax
-2 211
8 688
13 526
16 355
Living cost
75 284
75 284
75 284
75 284
Free-cash
-77 495
-66 596
-61 758
-58 929

Estimated living cost  is ₽75284 per week

₽48956
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6756
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽924
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽18647
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽33367
-₽33367
-₽40784
-₽35927
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
19 000
trade
-
-
-
-
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.

-
-
-
6 796
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.

-
-
-
-
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.

-
-
-
-
total
-
-
-
6 796
Employee

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

59 784
-
19 000
-
surtax

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

387
-
-
-
income

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

7 030
-
-
-
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.

6 796
-
6 796
-
total
14 213
-
6 796
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
19 000
-
-
trade
-
3 258
-
-
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.

-
157
-
-
income
-
2 851
-
-
chamber of commerce
-
177
-
-
total
-
6 443
-
-
Dividends
-
12 557
-
-
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.

-
151
-
-
withholding
-
2 762
-
-
total
-
2 913
-
-
Income
19 000
19 000
19 000
19 000
Total tax
14 213
9 356
6 796
6 796
After tax
4 787
9 644
12 204
12 204
Living cost
45 571
45 571
45 571
45 571
Free-cash
-40 784
-35 927
-33 367
-33 367

Estimated living cost  is ₽45571 per week

₽33283
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3645
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽593
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8051
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽22941
-₽21611
-₽36872
-₽24461
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
other
-
-
-
589
social contributions
-
-
-
540
health
-
-
-
266
income
-
-
-
-
surtax
-
-
-
-
pensions
-
-
-
6 511
total
-
-
-
7 906
Employee
42 575
-
14 475
-
income
2 513
-
-
-
pensions
4 814
-
1 639
-
social contributions
1 214
-
413
-
surtax
-
-
-
-
total
8 541
-
2 052
-
Employer
42 575
-
14 475
-
pensions
6 994
-
2 380
-
other
1 469
-
500
-
health
2 981
-
1 014
-
unemployment
1 724
-
587
-
social contributions
128
-
43
-
total
13 296
-
4 524
-
Corporate
-
19 000
-
-
surtax
-
-
-
-
income
-
5 320
-
-
total
-
5 320
-
-
Dividends
-
13 680
-
-
surtax
-
-
-
-
social contributions
-
2 354
-
-
withholding
-
1 752
-
-
total
-
4 106
-
-
Income
19 000
19 000
19 000
19 000
Total tax
21 837
9 426
6 576
7 906
After tax
-2 837
9 574
12 424
11 094
Living cost
34 035
34 035
34 035
34 035
Free-cash
-36 872
-24 461
-21 611
-22 941

Estimated living cost  is ₽34035 per week

₽21460
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2767
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽580
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9229
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽19568
-₽18238
-₽30873
-₽21088
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
other
-
-
-
589
social contributions
-
-
-
540
health
-
-
-
266
income
-
-
-
-
surtax
-
-
-
-
pensions
-
-
-
6 511
total
-
-
-
7 906
Employee
38 004
-
14 475
-
income
1 960
-
-
-
pensions
4 298
-
1 639
-
social contributions
1 084
-
413
-
surtax
-
-
-
-
total
7 342
-
2 052
-
Employer
38 004
-
14 475
-
pensions
6 245
-
2 380
-
other
1 312
-
500
-
health
2 660
-
1 014
-
unemployment
1 539
-
587
-
social contributions
113
-
43
-
total
11 869
-
4 524
-
Corporate
-
19 000
-
-
surtax
-
-
-
-
income
-
5 320
-
-
total
-
5 320
-
-
Dividends
-
13 680
-
-
surtax
-
-
-
-
social contributions
-
2 354
-
-
withholding
-
1 752
-
-
total
-
4 106
-
-
Income
19 000
19 000
19 000
19 000
Total tax
19 211
9 426
6 576
7 906
After tax
-211
9 574
12 424
11 094
Living cost
30 662
30 662
30 662
30 662
Free-cash
-30 873
-21 088
-18 238
-19 568

Estimated living cost  is ₽30662 per week

₽17783
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3115
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽581
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9184
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽8894
-₽10723
-₽17342
-₽9502
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
social contributions
-
-
-
2 622
health
-
-
-
1 327
income
-
-
-
2 851
total
-
-
-
6 800
Employee
33 729
-
19 000
-
income
5 626
-
4 680
-
social contributions
4 655
-
2 622
-
health
2 354
-
1 327
-
total
12 635
-
8 629
-
Employer
33 729
-
19 000
-
total
-
-
-
-
Corporate
-
19 000
-
-
income

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

-
950
-
-
total
-
950
-
-
Dividends
-
18 050
-
-
social contributions
1 735
2 492
-
-
health
878
1 259
-
-
withholding
-
2 707
-
-
total
2 613
6 458
-
-
Income
19 000
19 000
19 000
19 000
Total tax
15 248
7 408
8 629
6 800
After tax
3 752
11 592
10 371
12 200
Living cost
21 094
21 094
21 094
21 094
Free-cash
-17 342
-9 502
-10 723
-8 894

Estimated living cost  is ₽21094 per week

₽14117
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1301
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽485
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5189
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Vilnius model

Close
Vienna , Austria
-₽27394
-₽31111
-₽46159
-₽38704
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
chamber of commerce
-
-
-
76
unemployment
-
-
-
6 101
health
-
-
-
1 454
income
-
-
-
-
surtax
-
-
-
196
pensions
-
-
-
3 515
total
-
-
-
11 342
Employee
49 714
39 643
39 643
-
income
5 660
2 924
4 457
-
pensions
5 091
4 059
1 340
-
unemployment
1 491
1 189
393
-
health
1 924
1 535
506
-
other
496
396
130
-
total
14 662
10 103
6 826
-
Employer
49 714
39 643
39 643
-
pensions
6 239
4 976
1 644
-
other
2 362
1 882
1 657
-
accident
646
515
170
-
health
1 878
1 499
495
-
payroll
1 491
1 189
1 189
-
chamber of commerce
198
159
159
-
unemployment
1 491
1 189
393
-
surtax
196
196
196
-
total
14 501
11 605
5 903
-
Corporate
3 776
3 776
9 321
-
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.

944
944
2 330
-
total
944
944
2 330
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
19 000
19 000
19 000
19 000
Total tax
30 107
22 652
15 059
11 342
After tax
-11 107
-3 652
3 941
7 658
Living cost
35 052
35 052
35 052
35 052
Free-cash
-46 159
-38 704
-31 111
-27 394

Estimated living cost  is ₽35052 per week

₽23378
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2990
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽576
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8108
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽26780
-₽27445
-₽72869
-₽25323
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
social contributions
-
-
-
5 244
communal

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

-
-
-
825
national
-
-
-
3 440
total
-
-
-
9 509
Employee

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

71 157
-
14 717
-
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.

5 337
-
1 104
-
national
21 876
-
3 198
-
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.

619
-
128
-
communal

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

3 711
-
768
-
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.

3 343
-
693
-
total
34 886
-
5 891
-
Employer

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

71 157
-
14 717
-
pensions

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

6 305
-
1 304
-
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.

925
-
191
-
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.

4 376
-
904
-
unemployment

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

1 038
-
215
-
surtax
8 068
-
1 669
-
total
20 712
-
4 283
-
Corporate
-
19 000
-
-
surtax
-
76
-
-
income
-
3 800
-
-
total
-
3 876
-
-
Dividends
-
15 124
-
-
withholding

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

-
4 176
-
-
total
-
4 176
-
-
Income
19 000
19 000
19 000
19 000
Total tax
55 598
8 052
10 174
9 509
After tax
-36 598
10 948
8 826
9 491
Living cost
36 271
36 271
36 271
36 271
Free-cash
-72 869
-25 323
-27 445
-26 780

Estimated living cost  is ₽36271 per week

₽23363
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3171
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽568
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9169
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽25732
-₽30822
-₽46302
-₽22942
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
other
-
-
-
21
unemployment
-
-
-
149
accident
-
-
-
193
income
-
-
-
2 390
pensions
-
-
-
6 054
total
-
-
-
8 807
Employee
49 517
-
8 410
-
income
10 448
-
1 197
-
pensions
2 328
-
1 561
-
unemployment
768
-
515
-
other
49
-
34
-
total
13 593
-
3 307
-
Employer
49 517
-
8 410
-
pensions
11 685
-
7 840
-
other
395
-
266
-
accident
980
-
657
-
unemployment
2 724
-
1 827
-
total
15 784
-
10 590
-
Corporate
-
19 000
-
-
income

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

-
2 851
-
-
total
-
2 851
-
-
Dividends
-
16 149
-
-
withholding
-
3 166
-
-
total
-
3 166
-
-
Income
19 000
19 000
19 000
19 000
Total tax
29 377
6 017
13 897
8 807
After tax
-10 377
12 983
5 103
10 193
Living cost
35 925
35 925
35 925
35 925
Free-cash
-46 302
-22 942
-30 822
-25 732

Estimated living cost  is ₽35925 per week

₽26455
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2548
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽517
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6403
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽47131
-₽47133
-₽65333
-₽41062
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
accident
-
-
-
427
health
-
-
-
3 549
income
-
-
-
-
communal
-
-
-
-
surtax
-
-
-
521
pensions
-
-
-
7 574
total
-
-
-
12 071
Employee
75 333
-
13 342
-
income
7 276
-
-
-
pensions
6 026
-
3 787
-
health
3 353
-
2 107
-
surtax
4 617
-
521
-
total
21 272
-
6 415
-
Employer
75 333
-
13 342
-
pensions
6 026
-
3 787
-
accident
678
-
427
-
health
2 297
-
1 444
-
total
9 001
-
5 658
-
Corporate
-
19 000
-
-
communal
-
-
-
-
surtax
-
200
-
-
income
-
2 851
-
-
total
-
3 051
-
-
Dividends
-
15 949
-
-
withholding
-
2 392
-
-
income
-
559
-
-
total
-
2 951
-
-
Income
19 000
19 000
19 000
19 000
Total tax
30 273
6 002
12 073
12 071
After tax
-11 273
12 998
6 927
6 929
Living cost
54 060
54 060
54 060
54 060
Free-cash
-65 333
-41 062
-47 133
-47 131

Estimated living cost  is ₽54060 per week

₽40553
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3275
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽572
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9658
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽11445
-₽11821
-₽21552
-₽10393
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
other
-
-
-
-
unemployment
-
-
-
227
health
-
-
-
1 348
income
-
-
-
2 726
surtax
-
-
-
-
pensions
-
-
-
3 800
total
-
-
-
8 101
Employee
33 500
-
15 695
-
income
5 616
-
2 632
-
pensions
2 235
-
1 048
-
unemployment
2 331
-
1 093
-
health
855
-
400
-
other
-
-
-
-
surtax
119
-
-
-
total
11 156
-
5 173
-
Employer
33 500
-
15 695
-
pensions
4 466
-
2 092
-
other
-
-
-
-
health
1 523
-
714
-
unemployment
1 063
-
498
-
total
7 052
-
3 304
-
Corporate
-
19 000
-
-
income
-
4 940
-
-
total
-
4 940
-
-
Dividends
-
14 060
-
-
withholding
-
2 109
-
-
total
-
2 109
-
-
Income
19 000
19 000
19 000
19 000
Total tax
18 208
7 049
8 477
8 101
After tax
792
11 951
10 523
10 899
Living cost
22 344
22 344
22 344
22 344
Free-cash
-21 552
-10 393
-11 821
-11 445

Estimated living cost  is ₽22344 per week

₽13490
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1943
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽519
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6394
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽18424
-₽20201
-₽36183
-₽16811
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
social contributions
-
-
-
7 710
municipal
-
-
-
91
national
-
-
-
2 598
regional
-
-
-
228
total
-
-
-
10 627
Employee
55 182
-
19 000
-
national
8 742
-
2 044
-
social contributions
18 608
-
10 107
-
municipal
293
-
72
-
regional
743
-
181
-
total
28 386
-
12 404
-
Employer
55 182
-
19 000
-
total
-
-
-
-
Corporate
-
19 000
-
-
nationa
-
4 561
-
-
municipal
-
944
-
-
total
-
5 505
-
-
Dividends
-
13 495
-
-
withholding
-
3 509
-
-
total
-
3 509
-
-
Income
19 000
19 000
19 000
19 000
Total tax
28 386
9 014
12 404
10 627
After tax
-9 386
9 986
6 596
8 373
Living cost
26 797
26 797
26 797
26 797
Free-cash
-36 183
-16 811
-20 201
-18 424

Estimated living cost  is ₽26797 per week

₽16665
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2715
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.
₽6958
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽20378
-₽19990
-₽39392
-₽16550
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
social contributions
-
-
-
5 548
health
-
-
-
2 565
income
-
-
-
1 633
solidarity contribution
-
-
-
-
total
-
-
-
9 746
Employee
43 576
-
14 179
-
income
5 229
-
1 701
-
solidarity contribution
-
-
-
-
social contributions
2 832
-
922
-
health
5 883
-
1 914
-
total
13 944
-
4 537
-
Employer
43 576
-
14 179
-
health
3 922
-
1 276
-
social contributions
10 894
-
3 545
-
total
14 816
-
4 821
-
Corporate
-
19 000
-
-
income
-
3 610
-
-
total
-
3 610
-
-
Dividends
-
15 390
-
-
withholding
-
2 308
-
-
total
-
2 308
-
-
Income
19 000
19 000
19 000
19 000
Total tax
28 760
5 918
9 358
9 746
After tax
-9 760
13 082
9 642
9 254
Living cost
29 632
29 632
29 632
29 632
Free-cash
-39 392
-16 550
-19 990
-20 378

Estimated living cost  is ₽29632 per week

₽22036
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1642
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.
₽5442
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽23883
-₽27694
-₽37941
-₽35193
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
chamber of commerce
-
-
-
76
unemployment
-
-
-
6 101
health
-
-
-
1 454
income
-
-
-
-
surtax
-
-
-
-
pensions
-
-
-
3 515
total
-
-
-
11 146
Employee
43 484
39 643
39 643
-
income
3 874
2 924
4 446
-
pensions
4 453
4 059
1 357
-
unemployment
1 304
1 189
398
-
health
1 682
1 535
513
-
other
434
396
132
-
total
11 747
10 103
6 846
-
Employer
43 484
39 643
39 643
-
pensions
5 458
4 976
1 663
-
other
2 065
1 882
1 659
-
accident
564
515
172
-
health
1 644
1 499
500
-
payroll
1 304
1 189
1 189
-
chamber of commerce
174
159
159
-
unemployment
1 304
1 189
398
-
surtax
-
-
-
-
total
12 513
11 409
5 740
-
Corporate
3 776
3 776
9 484
-
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.

944
944
2 371
-
total
944
944
2 371
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
19 000
19 000
19 000
19 000
Total tax
25 204
22 456
14 957
11 146
After tax
-6 204
-3 456
4 043
7 854
Living cost
31 737
31 737
31 737
31 737
Free-cash
-37 941
-35 193
-27 694
-23 883

Estimated living cost  is ₽31737 per week

₽19038
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3241
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽566
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8891
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽4848
₽1238
₽1470
₽4088
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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%.

-
-
-
19 000
microenterprise

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

-
-
-
190
total
-
-
-
190
Employee
17 453
-
19 000
-
income
3 491
-
3 800
-
total
3 491
-
3 800
-
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%.

1 547
19 000
-
-
total
-
-
-
-
Dividends
1 547
19 000
-
-
withholding
77
950
-
-
total
77
950
-
-
Income
19 000
19 000
19 000
19 000
Total tax
3 568
950
3 800
190
After tax
15 432
18 050
15 200
18 810
Living cost
13 962
13 962
13 962
13 962
Free-cash
1 470
4 088
1 238
4 848

Estimated living cost  is ₽13962 per week

₽9448
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽586
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽468
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3459
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽15229
-₽15923
-₽31839
-₽13600
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
19 000
unemployment
-
-
-
28
health
-
-
-
1 869
income
-
-
-
2 180
pensions
-
-
-
3 470
total
-
-
-
7 547
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.

43 989
-
16 440
-
income
7 586
-
2 048
-
pensions
6 819
-
2 548
-
unemployment
62
-
23
-
health
2 841
-
1 063
-
total
17 308
-
5 682
-
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.

43 989
-
16 440
-
pensions
3 893
-
1 455
-
health
2 930
-
1 095
-
unemployment
26
-
9
-
total
6 849
-
2 559
-
Corporate
-
19 000
-
-
income
-
3 609
-
-
total
-
3 609
-
-
Dividends
-
15 391
-
-
withholding
-
2 309
-
-
total
-
2 309
-
-
Income
19 000
19 000
19 000
19 000
Total tax
24 157
5 918
8 241
7 547
After tax
-5 157
13 082
10 759
11 453
Living cost
26 682
26 682
26 682
26 682
Free-cash
-31 839
-13 600
-15 923
-15 229

Estimated living cost  is ₽26682 per week

₽18311
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1710
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽517
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6145
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽30005
-₽38575
-₽130061
-₽31576
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
social contributions
-
-
-
2 166
income
-
-
-
3 703
total
-
-
-
5 869
Employee
61 851
-
6 571
-
income
13 643
-
1 287
-
social contributions
5 072
-
723
-
total
18 715
-
2 010
-
Employer
61 851
-
6 571
-
social contributions
87 210
-
12 429
-
total
87 210
-
12 429
-
Corporate
-
19 000
-
-
income
-
4 180
-
-
total
-
4 180
-
-
Dividends
-
14 820
-
-
income
-
3 260
-
-
total
-
3 260
-
-
Income
19 000
19 000
19 000
19 000
Total tax
105 925
7 440
14 439
5 869
After tax
-86 925
11 560
4 561
13 131
Living cost
43 136
43 136
43 136
43 136
Free-cash
-130 061
-31 576
-38 575
-30 005

Estimated living cost  is ₽43136 per week

₽27988
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4057
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.
₽10541
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽19914
-₽19545
-₽37619
-₽20396
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
19 000
social contributions

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

-
-
-
6 603
income
-
-
-
1 108
surtax
-
-
-
-
total
-
-
-
7 711
Employee
45 752
-
15 353
-
income
9 517
-
2 005
-
social contributions
5 033
-
1 690
-
surtax
-
-
-
-
total
14 550
-
3 695
-
Employer
45 752
-
15 353
-
social contributions
10 866
-
3 647
-
total
10 866
-
3 647
-
Corporate
-
19 000
-
-
surtax
-
-
-
-
income
-
3 991
-
-
total
-
3 991
-
-
Dividends
-
15 009
-
-
withholding
-
4 202
-
-
total
-
4 202
-
-
Income
19 000
19 000
19 000
19 000
Total tax
25 416
8 193
7 342
7 711
After tax
-6 416
10 807
11 658
11 289
Living cost
31 203
31 203
31 203
31 203
Free-cash
-37 619
-20 396
-19 545
-19 914

Estimated living cost  is ₽31203 per week

₽23346
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1841
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽521
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5495
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽36952
-₽35622
-₽62763
-₽38472
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
other
-
-
-
589
social contributions
-
-
-
540
health
-
-
-
266
income
-
-
-
-
surtax
-
-
-
-
pensions
-
-
-
6 511
total
-
-
-
7 906
Employee
62 305
-
14 475
-
income
5 436
-
-
-
pensions
7 047
-
1 639
-
social contributions
1 775
-
413
-
surtax
-
-
-
-
total
14 258
-
2 052
-
Employer
62 305
-
14 475
-
pensions
10 237
-
2 380
-
other
2 150
-
500
-
health
4 361
-
1 014
-
unemployment
2 524
-
587
-
social contributions
187
-
43
-
total
19 459
-
4 524
-
Corporate
-
19 000
-
-
surtax
-
-
-
-
income
-
5 320
-
-
total
-
5 320
-
-
Dividends
-
13 680
-
-
surtax
-
-
-
-
social contributions
-
2 354
-
-
withholding
-
1 752
-
-
total
-
4 106
-
-
Income
19 000
19 000
19 000
19 000
Total tax
33 717
9 426
6 576
7 906
After tax
-14 717
9 574
12 424
11 094
Living cost
48 046
48 046
48 046
48 046
Free-cash
-62 763
-38 472
-35 622
-36 952

Estimated living cost  is ₽48046 per week

₽32517
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3930
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽659
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10940
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽15083
-₽14521
-₽17938
-₽12802
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
social contributions
-
-
-
4 180
income
-
-
-
-
total
-
-
-
4 180
Employee
31 981
-
16 450
-
social contributions
2 078
-
1 068
-
income
-
-
-
-
total
2 078
-
1 068
-
Employer
31 981
-
16 450
-
social contributions
4 957
-
2 550
-
total
4 957
-
2 550
-
Corporate
-
19 000
-
-
income
-
1 899
-
-
total
-
1 899
-
-
Dividends
-
17 101
-
-
total
-
-
-
-
Income
19 000
19 000
19 000
19 000
Total tax
7 035
1 899
3 618
4 180
After tax
11 965
17 101
15 382
14 820
Living cost
29 902
29 902
29 902
29 902
Free-cash
-17 938
-12 802
-14 521
-15 083

Estimated living cost  is ₽29902 per week

₽19335
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2254
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽563
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7751
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽33137
-₽197816
-₽197816
-₽197816
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
municipal
-
-
-
1 110
national
-
-
-
788
labour market
-
-
-
1 451
pensions
-
-
-
863
total
-
-
-
4 212
Employee
202 282
202 282
202 282
-
labour market
16 160
16 160
16 160
-
pensions
288
288
288
-
national
24 712
24 712
24 712
-
municipal
43 075
43 075
43 075
-
total
84 235
84 235
84 235
-
Employer
202 282
202 282
202 282
-
pensions
575
575
575
-
municipal
43 143
43 143
43 143
-
national
24 755
24 755
24 755
-
labour market
16 183
16 183
16 183
-
total
84 656
84 656
84 656
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
19 000
19 000
19 000
19 000
Total tax
168 891
168 891
168 891
4 212
After tax
-149 891
-149 891
-149 891
14 788
Living cost
47 925
47 925
47 925
47 925
Free-cash
-197 816
-197 816
-197 816
-33 137

Estimated living cost  is ₽47925 per week

₽32801
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4240
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽737
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10148
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽11611
-₽11510
-₽21796
-₽20005
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
other
-
-
-
368
accident
-
-
-
251
health
-
-
-
2 168
income
-
-
-
2 144
pensions
-
-
-
4 136
total
-
-
-
9 067
Employee
33 890
-
15 783
-
income
4 649
-
2 165
-
pensions
3 816
-
1 777
-
health
3 881
-
1 807
-
total
12 346
-
5 749
-
Employer
33 890
-
15 783
-
pensions
5 510
-
2 566
-
accident
566
-
264
-
unemployment
830
-
387
-
total
6 906
-
3 217
-
Corporate
-
19 000
-
-
income

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

-
17 100
-
-
total
-
17 100
-
-
Dividends
-
1 900
-
-
withholding
-
361
-
-
total
-
361
-
-
Income
19 000
19 000
19 000
19 000
Total tax
19 252
17 461
8 966
9 067
After tax
-252
1 539
10 034
9 933
Living cost
21 544
21 544
21 544
21 544
Free-cash
-21 796
-20 005
-11 510
-11 611

Estimated living cost  is ₽21544 per week

₽15681
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1228
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽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.
₽4230
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽22613
-₽26166
-₽43212
-₽25044
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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

-
-
-
19 000
municipal
-
-
-
3 421
health
-
-
-
-
national
-
-
-
-
total
-
-
-
3 421
Employee
52 337
-
15 985
-
pensions
3 532
-
1 080
-
national
865
-
-
-
municipal
8 572
-
2 639
-
unemployment
785
-
240
-
health
391
-
-
-
total
14 145
-
3 959
-
Employer
52 337
-
15 985
-
pensions
9 080
-
2 773
-
accident
53
-
15
-
health
402
-
123
-
unemployment
340
-
104
-
total
9 875
-
3 015
-
Corporate
-
19 000
-
-
income
-
3 800
-
-
total
-
3 800
-
-
Dividends

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

-
11 400
-
-
municipal
-
2 052
-
-
national
-
-
-
-
total
-
2 052
-
-
Income
19 000
19 000
19 000
19 000
Total tax
24 020
5 852
6 974
3 421
After tax
-5 020
13 148
12 026
15 579
Living cost
38 192
38 192
38 192
38 192
Free-cash
-43 212
-25 044
-26 166
-22 613

Estimated living cost  is ₽38192 per week

₽24947
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3674
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽608
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8965
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽10896
-₽17831
-₽19382
-₽26528
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
37 817
social contributions
-
-
-
5 899
health
-
-
-
965
income
-
-
-
-
total
-
-
-
6 864
Employee
76 493
76 493
76 493
-
income
8 329
7 081
8 601
-
social contributions
2 892
6 349
2 141
-
health
593
1 301
438
-
total
11 814
14 731
11 180
-
Employer
76 493
76 493
76 493
-
health
644
1 416
478
-
social contributions
2 892
6 349
2 141
-
total
3 536
7 765
2 619
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
19 000
19 000
19 000
19 000
Total tax
15 350
22 496
13 799
6 864
After tax
3 650
-3 496
5 201
12 136
Living cost
23 032
23 032
23 032
23 032
Free-cash
-19 382
-26 528
-17 831
-10 896

Estimated living cost  is ₽23032 per week

₽13803
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2260
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽510
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6460
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽7564
-₽3912
-₽6183
-₽60
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
19 000
unemployment
-
-
-
28
health
-
-
-
3 600
income
-
-
-
814
pensions
-
-
-
6 328
total
-
-
-
10 770
Employee

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

22 833
-
17 214
-
income
1 561
-
1 174
-
pensions
3 424
-
2 599
-
unemployment
113
-
87
-
health
1 941
-
1 472
-
total
7 039
-
5 332
-
Employer

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

22 833
-
17 214
-
pensions
1 255
-
953
-
health
982
-
746
-
unemployment
113
-
87
-
total
2 350
-
1 786
-
Corporate
-
19 000
-
-
income
-
1 710
-
-
total
-
1 710
-
-
Dividends
-
17 290
-
-
withholding
-
1 556
-
-
total
-
1 556
-
-
Income
19 000
19 000
19 000
19 000
Total tax
9 389
3 266
7 118
10 770
After tax
9 611
15 734
11 882
8 230
Living cost
15 794
15 794
15 794
15 794
Free-cash
-6 183
-60
-3 912
-7 564

Estimated living cost  is ₽15794 per week

₽10077
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1138
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽470
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4108
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽17162
-₽22252
-₽29508
-₽14372
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
other
-
-
-
21
unemployment
-
-
-
149
accident
-
-
-
193
income
-
-
-
2 390
pensions
-
-
-
6 054
total
-
-
-
8 807
Employee
36 783
-
8 410
-
income
7 091
-
1 197
-
pensions
1 729
-
1 561
-
unemployment
570
-
515
-
other
36
-
34
-
total
9 426
-
3 307
-
Employer
36 783
-
8 410
-
pensions
8 680
-
7 840
-
other
294
-
266
-
accident
729
-
657
-
unemployment
2 024
-
1 827
-
total
11 727
-
10 590
-
Corporate
-
19 000
-
-
income

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

-
2 851
-
-
total
-
2 851
-
-
Dividends
-
16 149
-
-
withholding
-
3 166
-
-
total
-
3 166
-
-
Income
19 000
19 000
19 000
19 000
Total tax
21 153
6 017
13 897
8 807
After tax
-2 153
12 983
5 103
10 193
Living cost
27 355
27 355
27 355
27 355
Free-cash
-29 508
-14 372
-22 252
-17 162

Estimated living cost  is ₽27355 per week

₽18464
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2630
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.
₽5782
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽8035
₽7841
₽8690
₽9137
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
health
-
-
-
1 438
income
-
-
-
4 825
pensions
-
-
-
1 983
total
-
-
-
8 246
Employee
4 142
-
16 769
-
income
801
-
4 721
-
pensions
373
-
893
-
unemployment
41
-
99
-
health
207
-
496
-
total
1 422
-
6 209
-
Employer
4 142
-
16 769
-
pensions
456
-
1 091
-
health
393
-
942
-
unemployment
83
-
198
-
total
932
-
2 231
-
Corporate
13 927
19 000
-
-
income
3 064
4 180
-
-
total
3 064
4 180
-
-
Dividends
10 863
14 820
-
-
withholding
2 173
2 964
-
-
total
2 173
2 964
-
-
Income
19 000
19 000
19 000
19 000
Total tax
7 591
7 144
8 440
8 246
After tax
11 409
11 856
10 560
10 754
Living cost
2 719
2 719
2 719
2 719
Free-cash
8 690
9 137
7 841
8 035

Estimated living cost  is ₽2719 per week

₽1616
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽220
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽62
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽821
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽6728
-₽5910
-₽11599
-₽3483
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
19 000
unemployment
-
-
-
285
health
-
-
-
1 957
income
-
-
-
1 335
pensions
-
-
-
4 940
total
-
-
-
8 517
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.

25 953
-
16 115
-
income
3 577
-
1 607
-
pensions
3 633
-
2 256
-
unemployment
195
-
121
-
health
1 337
-
830
-
total
8 742
-
4 814
-
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.

25 953
-
16 115
-
pensions
3 114
-
1 934
-
health
1 337
-
830
-
unemployment
195
-
121
-
total
4 646
-
2 885
-
Corporate
-
19 000
-
-
income
-
2 850
-
-
total
-
2 850
-
-
Dividends
-
16 150
-
-
withholding
-
2 422
-
-
total
-
2 422
-
-
Income
19 000
19 000
19 000
19 000
Total tax
13 388
5 272
7 699
8 517
After tax
5 612
13 728
11 301
10 483
Living cost
17 211
17 211
17 211
17 211
Free-cash
-11 599
-3 483
-5 910
-6 728

Estimated living cost  is ₽17211 per week

₽11588
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1331
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽498
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3793
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽15529
-₽15160
-₽28778
-₽16011
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
19 000
social contributions

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

-
-
-
6 603
income
-
-
-
1 108
surtax
-
-
-
-
total
-
-
-
7 711
Employee
38 609
-
15 353
-
income
7 544
-
2 005
-
social contributions
4 247
-
1 690
-
surtax
-
-
-
-
total
11 791
-
3 695
-
Employer
38 609
-
15 353
-
social contributions
9 169
-
3 647
-
total
9 169
-
3 647
-
Corporate
-
19 000
-
-
surtax
-
-
-
-
income
-
3 991
-
-
total
-
3 991
-
-
Dividends
-
15 009
-
-
withholding
-
4 202
-
-
total
-
4 202
-
-
Income
19 000
19 000
19 000
19 000
Total tax
20 960
8 193
7 342
7 711
After tax
-1 960
10 807
11 658
11 289
Living cost
26 818
26 818
26 818
26 818
Free-cash
-28 778
-16 011
-15 160
-15 529

Estimated living cost  is ₽26818 per week

₽18995
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1863
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽476
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5486
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽24768
-₽29858
-₽44361
-₽21978
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
other
-
-
-
21
unemployment
-
-
-
149
accident
-
-
-
193
income
-
-
-
2 390
pensions
-
-
-
6 054
total
-
-
-
8 807
Employee
48 043
-
8 410
-
income
10 034
-
1 197
-
pensions
2 258
-
1 561
-
unemployment
744
-
515
-
other
47
-
34
-
total
13 083
-
3 307
-
Employer
48 043
-
8 410
-
pensions
11 338
-
7 840
-
other
385
-
266
-
accident
951
-
657
-
unemployment
2 643
-
1 827
-
total
15 317
-
10 590
-
Corporate
-
19 000
-
-
income

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

-
2 851
-
-
total
-
2 851
-
-
Dividends
-
16 149
-
-
withholding
-
3 166
-
-
total
-
3 166
-
-
Income
19 000
19 000
19 000
19 000
Total tax
28 400
6 017
13 897
8 807
After tax
-9 400
12 983
5 103
10 193
Living cost
34 961
34 961
34 961
34 961
Free-cash
-44 361
-21 978
-29 858
-24 768

Estimated living cost  is ₽34961 per week

₽25107
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2718
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.
₽6643
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽6018
-₽5099
-₽8077
-₽850
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
unemployment
-
-
-
76
health
-
-
-
2 185
income
-
-
-
2 850
pensions

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

-
-
-
2 812
total
-
-
-
7 923
Employee
22 636
-
15 884
-
income
2 264
-
1 588
-
pensions

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

1 987
-
1 394
-
health
1 041
-
731
-
accident

We are using the highest rate at 1.1%.

249
-
175
-
total
5 541
-
3 888
-
Employer
22 636
-
15 884
-
pensions

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

2 494
-
1 750
-
accident

We are using the highest rate at 1.1%.

249
-
175
-
health
1 562
-
1 096
-
unemployment
136
-
95
-
total
4 441
-
3 116
-
Corporate
-
19 000
-
-
income
-
1 900
-
-
total
-
1 900
-
-
Dividends
-
17 100
-
-
withholding
-
855
-
-
total
-
855
-
-
Income
19 000
19 000
19 000
19 000
Total tax
9 982
2 755
7 004
7 923
After tax
9 018
16 245
11 996
11 077
Living cost
17 095
17 095
17 095
17 095
Free-cash
-8 077
-850
-5 099
-6 018

Estimated living cost  is ₽17095 per week

₽11306
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽979
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽408
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4403
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽26202
-₽26202
-₽30497
-₽28372
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
19 000
trade
-
-
-
-
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.

-
-
-
6 796
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.

-
-
-
-
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.

-
-
-
-
total
-
-
-
6 796
Employee

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

49 496
-
19 000
-
surtax

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

225
-
-
-
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.

4 070
-
-
-
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.

6 796
-
6 796
-
total
11 091
-
6 796
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
19 000
-
-
trade
-
2 726
-
-
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.

-
157
-
-
income
-
2 851
-
-
chamber of commerce
-
179
-
-
total
-
5 913
-
-
Dividends
-
13 087
-
-
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.

-
159
-
-
withholding
-
2 894
-
-
total
-
3 053
-
-
Income
19 000
19 000
19 000
19 000
Total tax
11 091
8 966
6 796
6 796
After tax
7 909
10 034
12 204
12 204
Living cost
38 406
38 406
38 406
38 406
Free-cash
-30 497
-28 372
-26 202
-26 202

Estimated living cost  is ₽38406 per week

₽26493
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4132
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽557
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7223
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽38735
-₽38735
-₽58815
-₽43366
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
social contributions
-
-
-
383
income
-
-
-
685
total
-
-
-
1 068
Employee
77 814
-
19 000
-
social contributions
6 465
-
383
-
income
14 683
-
685
-
total
21 148
-
1 068
-
Employer
77 814
-
19 000
-
total
-
-
-
-
Corporate
-
19 000
-
-
income
-
2 375
-
-
total
-
2 375
-
-
Dividends
-
16 625
-
-
withholding
-
3 324
-
-
total
-
3 324
-
-
Income
19 000
19 000
19 000
19 000
Total tax
21 148
5 699
1 068
1 068
After tax
-2 148
13 301
17 932
17 932
Living cost
56 667
56 667
56 667
56 667
Free-cash
-58 815
-43 366
-38 735
-38 735

Estimated living cost  is ₽56667 per week

₽43111
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4617
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.
₽8397
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽52018
-₽20573
-₽34176
-₽26731
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
19 000
health

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

-
-
-
6 590
income
-
-
-
28 317
total
-
-
-
34 907
Employee
45 634
-
17 269
-
social contributions
4 572
-
1 731
-
income
4 952
-
-
-
total
9 524
-
1 731
-
Employer
45 634
-
17 269
-
social contributions
4 572
-
1 731
-
total
4 572
-
1 731
-
Corporate
-
19 000
-
-
income
-
6 651
-
-
total
-
6 651
-
-
Dividends
-
12 349
-
-
social contributions
2 969
2 969
-
-
total
2 969
2 969
-
-
Income
19 000
19 000
19 000
19 000
Total tax
17 065
9 620
3 462
34 907
After tax
1 935
9 380
15 538
-15 907
Living cost
36 111
36 111
36 111
36 111
Free-cash
-34 176
-26 731
-20 573
-52 018

Estimated living cost  is ₽36111 per week

₽23786
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2847
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽553
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8923
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽21921
-₽22647
-₽38015
-₽22851
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
income
-
-
-
3 791
pensions
-
-
-
44
total
-
-
-
3 835
Employee
50 906
-
18 048
-
income
9 270
-
3 611
-
pensions
3 885
-
-
-
health
664
-
-
-
total
13 819
-
3 611
-
Employer
50 906
-
18 048
-
pensions
5 143
-
607
-
health
967
-
343
-
total
6 110
-
950
-
Corporate
-
19 000
-
-
income

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

-
3 611
-
-
total
-
3 611
-
-
Dividends
-
15 389
-
-
withholding
-
1 154
-
-
total
-
1 154
-
-
Income
19 000
19 000
19 000
19 000
Total tax
19 929
4 765
4 561
3 835
After tax
-929
14 235
14 439
15 165
Living cost
37 086
37 086
37 086
37 086
Free-cash
-38 015
-22 851
-22 647
-21 921

Estimated living cost  is ₽37086 per week

₽25441
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3410
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽464
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7769
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽13744
-₽13643
-₽25835
-₽22138
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
other
-
-
-
368
accident
-
-
-
251
health
-
-
-
2 168
income
-
-
-
2 144
pensions
-
-
-
4 136
total
-
-
-
9 067
Employee
37 244
-
15 783
-
income
5 110
-
2 165
-
pensions
4 194
-
1 777
-
health
4 264
-
1 807
-
total
13 568
-
5 749
-
Employer
37 244
-
15 783
-
pensions
6 056
-
2 566
-
accident
622
-
264
-
unemployment
912
-
387
-
total
7 590
-
3 217
-
Corporate
-
19 000
-
-
income

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

-
17 100
-
-
total
-
17 100
-
-
Dividends
-
1 900
-
-
withholding
-
361
-
-
total
-
361
-
-
Income
19 000
19 000
19 000
19 000
Total tax
21 158
17 461
8 966
9 067
After tax
-2 158
1 539
10 034
9 933
Living cost
23 677
23 677
23 677
23 677
Free-cash
-25 835
-22 138
-13 643
-13 744

Estimated living cost  is ₽23677 per week

₽17376
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1380
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽477
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4444
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽1543
-₽1543
-₽2469
₽2732
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
19 000
work injury
-
-
-
95
unemployment
-
-
-
228
income
-
-
-
1 900
health insurance
-
-
-
1 406
pensions
-
-
-
3 496
total
-
-
-
7 125
Employee

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

21 468
-
19 000
-
income
2 147
-
1 900
-
work injury
107
-
95
-
pensions
3 950
-
3 496
-
unemployment
258
-
228
-
health insurance
1 589
-
1 406
-
total
8 051
-
7 125
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
19 000
-
-
income

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

-
-
-
-
total
-
-
-
-
Dividends
-
19 000
-
-
withholding
-
2 850
-
-
total
-
2 850
-
-
Income
19 000
19 000
19 000
19 000
Total tax
8 051
2 850
7 125
7 125
After tax
10 949
16 150
11 875
11 875
Living cost
13 418
13 418
13 418
13 418
Free-cash
-2 469
2 732
-1 543
-1 543

Estimated living cost  is ₽13418 per week

₽8312
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽975
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽419
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3712
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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

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Rome , Italy
-₽31233
-₽33012
-₽64827
-₽29623
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
19 000
social contributions
-
-
-
7 710
municipal
-
-
-
102
national
-
-
-
2 598
regional
-
-
-
194
total
-
-
-
10 604
Employee
83 826
-
19 000
-
national
14 166
-
2 044
-
social contributions
28 266
-
10 107
-
municipal
500
-
79
-
regional
1 266
-
153
-
total
44 198
-
12 383
-
Employer
83 826
-
19 000
-
total
-
-
-
-
Corporate
-
19 000
-
-
nationa
-
4 561
-
-
municipal
-
916
-
-
total
-
5 477
-
-
Dividends
-
13 524
-
-
withholding
-
3 517
-
-
total
-
3 517
-
-
Income
19 000
19 000
19 000
19 000
Total tax
44 198
8 994
12 383
10 604
After tax
-25 198
10 006
6 617
8 396
Living cost
39 629
39 629
39 629
39 629
Free-cash
-64 827
-29 623
-33 012
-31 233

Estimated living cost  is ₽39629 per week

₽27837
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2726
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽598
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8467
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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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