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
₽ 191000
per

Your estimated
City
free-cash

Dresden , Germany
₽65884
₽76997
₽67053
₽89780
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
191 000
trade
-
-
-
22 727
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.

-
-
-
60 599
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.

-
-
-
6 862
surtax

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

-
-
-
3 334
total
-
-
-
93 522
Employee

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

38 419
-
191 000
-
health

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

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

6 862
-
6 862
-
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
-
3 334
-
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.

1 073
-
60 599
-
total
7 994
-
70 795
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
152 581
191 000
-
-
surtax

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

1 258
1 576
-
-
income
22 887
28 650
-
-
trade
24 031
30 083
-
-
chamber of commerce
372
427
-
-
total
48 548
60 736
-
-
Dividends
104 033
130 264
-
-
surtax

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

1 409
1 771
-
-
withholding
25 627
32 184
-
-
total
27 036
33 955
-
-
Income
191 000
191 000
191 000
191 000
Total tax
83 578
94 691
70 795
93 522
After tax
107 422
96 309
120 205
97 478
Living cost
30 425
30 425
30 425
30 425
Free-cash
76 997
65 884
89 780
67 053

Estimated living cost  is ₽30425 per week

₽19138
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3547
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.
₽7171
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽68505
₽67661
₽60584
₽61609
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
municipal
-
-
-
21 029
pensions
-
-
-
22 920
national
-
-
-
33 735
social contributions
-
-
-
2 053
total
-
-
-
79 737
Employee
78 562
-
165 118
-
municipal
9 704
-
21 769
-
pensions
3 142
-
6 605
-
national
15 037
-
35 354
-
total
27 883
-
63 728
-
Employer
78 562
-
165 118
-
social contributions
845
-
1 775
-
pensions
6 285
-
13 209
-
total
7 130
-
14 984
-
Corporate
100 123
191 000
-
-
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%.

20 025
38 200
-
-
total
20 025
38 200
-
-
Dividends
80 099
152 800
-
-
withholding
17 622
33 616
-
-
total
17 622
33 616
-
-
Income
191 000
191 000
191 000
191 000
Total tax
72 660
71 816
78 712
79 737
After tax
118 340
119 184
112 288
111 263
Living cost
50 679
50 679
50 679
50 679
Free-cash
67 661
68 505
61 609
60 584

Estimated living cost  is ₽50679 per week

₽34446
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4711
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽759
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10764
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽131903
₽123663
₽46222
₽60306
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
191 000
microenterprise
-
-
-
-
income
-
-
-
36 690
surtax
-
-
-
48 705
social contributions

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

-
-
-
38 486
total
-
-
-
123 881
Employee
29 351
-
146 091
-
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.

3 229
-
13 168
-
surtax
-
-
21 183
-
income
5 225
-
30 539
-
total
8 454
-
64 890
-
Employer
29 351
-
146 091
-
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.

7 070
-
28 838
-
surtax
-
-
16 069
-
total
7 070
-
44 907
-
Corporate
154 579
191 000
-
-
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%.

30 916
38 200
-
-
total
30 916
38 200
-
-
Dividends

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

123 663
152 800
-
-
total
-
-
-
-
Income
191 000
191 000
191 000
191 000
Total tax
46 440
38 200
109 797
123 881
After tax
144 560
152 800
81 203
67 119
Living cost
20 897
20 897
20 897
20 897
Free-cash
123 663
131 903
60 306
46 222

Estimated living cost  is ₽20897 per week

₽13332
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1990
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽475
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5101
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽52694
₽46539
₽62389
₽78780
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
income
-
-
-
62 377
pensions
-
-
-
11 769
health
-
-
-
12 386
total
-
-
-
86 532
Employee
85 778
85 778
172 333
-
health
13 166
11 199
12 386
-
income

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

14 040
14 040
27 319
-
pensions
15 440
11 769
11 769
-
total
42 646
37 008
51 474
-
Employer
85 778
85 778
172 333
-
unemployment
3 088
3 088
3 837
-
pensions
5 970
5 970
7 421
-
health
5 963
5 963
7 409
-
total
15 021
15 021
18 667
-
Corporate
91 254
90 202
-
-
income
18 252
18 040
-
-
total
18 252
18 040
-
-
Dividends
73 002
72 162
-
-
income
15 512
15 333
-
-
withholding
10 951
10 825
-
-
total
26 463
26 158
-
-
Income
191 000
191 000
191 000
191 000
Total tax
102 382
96 227
70 141
86 532
After tax
88 618
94 773
120 859
104 468
Living cost
42 079
42 079
42 079
42 079
Free-cash
46 539
52 694
78 780
62 389

Estimated living cost  is ₽42079 per week

₽29820
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3793
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽669
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7796
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽65324
₽64451
₽57944
₽56997
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
municipal
-
-
-
49 579
accident
-
-
-
171
pensions
-
-
-
9 231
other
-
-
-
9 923
unemployment
-
-
-
85
health
-
-
-
5 328
national
-
-
-
19 777
total
-
-
-
94 094
Employee
55 518
-
164 170
-
municipal
16 555
-
48 956
-
national
-
-
19 254
-
total
16 555
-
68 210
-
Employer
55 518
-
164 170
-
accident
111
-
171
-
other
6 451
-
9 923
-
unemployment
1 466
-
2 254
-
pensions
6 001
-
9 231
-
health
3 414
-
5 252
-
total
17 443
-
26 831
-
Corporate
118 039
191 000
-
-
income
25 968
42 020
-
-
total
25 968
42 020
-
-
Dividends
92 070
148 980
-
-
withholding
27 621
44 694
-
-
total
27 621
44 694
-
-
Income
191 000
191 000
191 000
191 000
Total tax
87 587
86 714
95 041
94 094
After tax
103 413
104 286
95 959
96 906
Living cost
38 962
38 962
38 962
38 962
Free-cash
64 451
65 324
56 997
57 944

Estimated living cost  is ₽38962 per week

₽25823
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3823
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽592
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8725
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽55868
₽69980
₽57007
₽80745
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
191 000
trade
-
-
-
23 738
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.

-
-
-
60 599
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.

-
-
-
6 862
surtax

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

-
-
-
3 334
total
-
-
-
94 533
Employee

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

50 939
-
191 000
-
health

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

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

6 862
-
6 862
-
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.

240
-
3 334
-
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.

4 377
-
60 599
-
total
11 479
-
70 795
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
140 061
191 000
-
-
surtax

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

1 155
1 576
-
-
income
21 010
28 650
-
-
trade
23 040
31 419
-
-
chamber of commerce
353
425
-
-
total
45 558
62 070
-
-
Dividends
94 504
128 929
-
-
surtax

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

1 279
1 752
-
-
withholding
23 244
31 850
-
-
total
24 523
33 602
-
-
Income
191 000
191 000
191 000
191 000
Total tax
81 560
95 672
70 795
94 533
After tax
109 440
95 328
120 205
96 467
Living cost
39 460
39 460
39 460
39 460
Free-cash
69 980
55 868
80 745
57 007

Estimated living cost  is ₽39460 per week

₽26391
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4161
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽589
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8319
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽106711
₽102545
₽97265
₽95622
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
income
-
-
-
40 033
health
-
-
-
4 870
social contributions
-
-
-
16 252
total
-
-
-
61 155
Employee
77 239
77 239
179 041
-
social contributions
3 753
6 410
8 646
-
health
768
1 313
3 044
-
income
8 111
7 150
39 149
-
total
12 632
14 873
50 839
-
Employer
77 239
77 239
179 041
-
social contributions
3 753
6 410
8 646
-
health
837
1 430
3 313
-
total
4 590
7 840
11 959
-
Corporate
141 198
105 921
-
-
income
17 649
13 240
-
-
total
17 649
13 240
-
-
Dividends
123 548
92 681
-
-
withholding
21 004
15 756
-
-
total
21 004
15 756
-
-
Income
191 000
191 000
191 000
191 000
Total tax
55 875
51 709
62 798
61 155
After tax
135 125
139 291
128 202
129 845
Living cost
32 580
32 580
32 580
32 580
Free-cash
102 545
106 711
95 622
97 265

Estimated living cost  is ₽32580 per week

₽22272
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2545
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽547
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7217
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽89037
₽89416
₽114088
₽92498
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
income
-
-
-
23 350
pensions
-
-
-
19 100
unemployment
-
-
-
2 865
health
-
-
-
13 370
total
-
-
-
58 685
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.

26 310
10 471
159 833
-
health
1 842
733
11 188
-
income
3 216
1 280
19 540
-
pensions
2 631
1 047
15 983
-
unemployment
395
157
2 397
-
total
8 084
3 217
49 108
-
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.

26 310
10 471
159 833
-
pensions
5 131
2 042
31 167
-
total
5 131
2 042
31 167
-
Corporate
159 559
178 487
-
-
income
14 360
16 064
-
-
total
14 360
16 064
-
-
Dividends
145 199
162 423
-
-
social contributions
28 194
31 553
-
-
withholding
27 588
30 860
-
-
total
55 782
62 413
-
-
Income
191 000
191 000
191 000
191 000
Total tax
83 357
83 736
80 275
58 685
After tax
107 643
107 264
110 725
132 315
Living cost
18 227
18 227
18 227
18 227
Free-cash
89 416
89 037
92 498
114 088

Estimated living cost  is ₽18227 per week

₽12438
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1491
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽364
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3933
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽128538
₽122297
₽78114
₽85828
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
income
-
-
-
25 594
pensions
-
-
-
38 200
health
-
-
-
24 830
total
-
-
-
88 624
Employee
28 495
-
142 749
-
income
3 208
-
27 521
-
pensions
570
-
2 855
-
unemployment
456
-
2 284
-
total
4 234
-
32 660
-
Employer
28 495
-
142 749
-
unemployment
229
-
1 142
-
pensions
5 699
-
28 551
-
health
3 704
-
18 557
-
total
9 632
-
48 250
-
Corporate
152 873
191 000
-
-
income
30 575
38 200
-
-
total
30 575
38 200
-
-
Dividends
122 298
152 800
-
-
total
-
-
-
-
Income
191 000
191 000
191 000
191 000
Total tax
44 441
38 200
80 910
88 624
After tax
146 559
152 800
110 090
102 376
Living cost
24 262
24 262
24 262
24 262
Free-cash
122 297
128 538
85 828
78 114

Estimated living cost  is ₽24262 per week

₽16641
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1445
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽488
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5688
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽6573
₽12089
₽108473
₽82214
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
accident
-
-
-
253
income
-
-
-
53 505
pensions
-
-
-
4 169
other
-
-
-
371
health
-
-
-
2 185
total
-
-
-
60 483
Employee
34 676
-
172 840
-
health
3 970
-
19 790
-
income
4 757
-
41 148
-
pensions
3 905
-
7 645
-
total
12 632
-
68 583
-
Employer
34 676
-
172 840
-
accident
579
-
2 886
-
unemployment
850
-
4 234
-
pensions
5 639
-
11 039
-
total
7 068
-
18 159
-
Corporate
149 257
191 000
-
-
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.

134 331
171 900
-
-
total
134 331
171 900
-
-
Dividends
14 926
19 100
-
-
withholding
2 836
3 629
-
-
total
2 836
3 629
-
-
Income
191 000
191 000
191 000
191 000
Total tax
156 867
175 529
86 742
60 483
After tax
34 133
15 471
104 258
130 517
Living cost
22 044
22 044
22 044
22 044
Free-cash
12 089
-6 573
82 214
108 473

Estimated living cost  is ₽22044 per week

₽16156
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1221
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽460
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4207
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽172350
₽170644
₽179990
₽143700
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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%.

-
-
-
191 000
microenterprise

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

-
-
-
1 910
total
-
-
-
1 910
Employee
11 374
-
191 000
-
income
2 275
-
38 200
-
total
2 275
-
38 200
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

We will register your company as part of a virtual zone. Your non-Georgian corporate tax will be zero. Turnover in Georgia will be taxed at 15%.

179 626
191 000
-
-
total
-
-
-
-
Dividends
179 626
191 000
-
-
withholding
8 981
9 550
-
-
total
8 981
9 550
-
-
Income
191 000
191 000
191 000
191 000
Total tax
11 256
9 550
38 200
1 910
After tax
179 744
181 450
152 800
189 090
Living cost
9 100
9 100
9 100
9 100
Free-cash
170 644
172 350
143 700
179 990

Estimated living cost  is ₽9100 per week

₽5639
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽756
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽250
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2454
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽113563
₽106779
₽82759
₽81149
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
income
-
-
-
30 840
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.

-
-
-
36 660
other
-
-
-
7 255
health
-
-
-
6 721
total
-
-
-
81 476
Employee
36 471
-
152 556
-
health
511
-
2 135
-
income
6 279
-
30 304
-
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.

2 552
-
10 678
-
unemployment
364
-
1 525
-
total
9 706
-
44 642
-
Employer
36 471
-
152 556
-
accident
292
-
1 220
-
other
1 824
-
7 629
-
unemployment
364
-
1 525
-
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.

6 201
-
25 935
-
health
511
-
2 135
-
total
9 192
-
38 444
-
Corporate
145 337
191 000
-
-
income
30 522
40 110
-
-
total
30 522
40 110
-
-
Dividends
114 816
150 890
-
-
withholding
8 036
10 562
-
-
total
8 036
10 562
-
-
Income
191 000
191 000
191 000
191 000
Total tax
57 456
50 672
83 086
81 476
After tax
133 544
140 328
107 914
109 524
Living cost
26 765
26 765
26 765
26 765
Free-cash
106 779
113 563
81 149
82 759

Estimated living cost  is ₽26765 per week

₽18911
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1807
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽431
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5616
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽56392
₽62234
₽58491
₽41282
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
income
-
-
-
56 105
pensions
-
-
-
9 311
total
-
-
-
65 416
Employee
94 927
-
166 717
-
health
1 564
-
2 362
-
income
17 112
-
44 632
-
pensions
9 158
-
11 348
-
total
27 834
-
58 342
-
Employer
94 927
-
166 717
-
pensions
11 208
-
21 115
-
health
1 803
-
3 168
-
total
13 011
-
24 283
-
Corporate
83 062
191 000
-
-
income

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

15 782
36 289
-
-
total
15 782
36 289
-
-
Dividends
67 281
154 711
-
-
withholding
5 046
31 226
-
-
total
5 046
31 226
-
-
Income
191 000
191 000
191 000
191 000
Total tax
61 673
67 515
82 625
65 416
After tax
129 327
123 485
108 375
125 584
Living cost
67 093
67 093
67 093
67 093
Free-cash
62 234
56 392
41 282
58 491

Estimated living cost  is ₽67093 per week

₽50274
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽7883
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽546
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8391
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
₽150137
₽145473
₽139816
₽147457
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
income
-
-
-
28 650
pensions

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

-
-
-
5 192
unemployment
-
-
-
140
health
-
-
-
4 034
total
-
-
-
38 016
Employee
17 436
-
184 117
-
health
802
-
1 614
-
accident

We are using the highest rate at 1.1%.

192
-
386
-
income
1 743
-
18 412
-
pensions

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

1 531
-
3 080
-
total
4 268
-
23 492
-
Employer
17 436
-
184 117
-
accident

We are using the highest rate at 1.1%.

192
-
386
-
unemployment
104
-
210
-
pensions

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

1 922
-
3 866
-
health
1 203
-
2 421
-
total
3 421
-
6 883
-
Corporate
170 143
191 000
-
-
income
17 014
19 100
-
-
total
17 014
19 100
-
-
Dividends
153 129
171 900
-
-
withholding
7 656
8 595
-
-
total
7 656
8 595
-
-
Income
191 000
191 000
191 000
191 000
Total tax
32 359
27 695
30 375
38 016
After tax
158 641
163 305
160 625
152 984
Living cost
13 168
13 168
13 168
13 168
Free-cash
145 473
150 137
147 457
139 816

Estimated living cost  is ₽13168 per week

₽7687
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽940
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽349
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4191
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽39074
₽41601
₽48769
₽65160
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
income
-
-
-
62 377
pensions
-
-
-
11 769
health
-
-
-
12 386
total
-
-
-
86 532
Employee
93 127
85 778
172 333
-
health
11 618
11 199
12 386
-
income

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

14 040
14 040
27 319
-
pensions
11 769
11 769
11 769
-
total
37 427
37 008
51 474
-
Employer
93 127
85 778
172 333
-
unemployment
3 353
3 088
3 837
-
pensions
6 481
5 970
7 421
-
health
6 471
5 963
7 409
-
total
16 305
15 021
18 667
-
Corporate
81 567
90 202
-
-
income
16 313
18 040
-
-
total
16 313
18 040
-
-
Dividends
65 254
72 162
-
-
income
13 867
15 333
-
-
withholding
9 788
10 825
-
-
total
23 655
26 158
-
-
Income
191 000
191 000
191 000
191 000
Total tax
93 700
96 227
70 141
86 532
After tax
97 300
94 773
120 859
104 468
Living cost
55 699
55 699
55 699
55 699
Free-cash
41 601
39 074
65 160
48 769

Estimated living cost  is ₽55699 per week

₽41088
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4975
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽639
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8999
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽107483
₽98913
₽86174
₽78175
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
income
-
-
-
19 598
health
-
-
-
25 785
solidarity contribution
-
-
-
860
social contributions
-
-
-
34 563
total
-
-
-
80 806
Employee
35 323
-
148 081
-
social contributions
2 296
-
7 694
-
health
4 769
-
19 991
-
solidarity contribution
-
-
142
-
income
4 239
-
18 059
-
total
11 304
-
45 886
-
Employer
35 323
-
148 081
-
social contributions
8 831
-
29 592
-
health
3 179
-
13 327
-
total
12 010
-
42 919
-
Corporate
143 667
191 000
-
-
income
27 297
36 290
-
-
total
27 297
36 290
-
-
Dividends
116 370
154 710
-
-
withholding
17 456
23 207
-
-
total
17 456
23 207
-
-
Income
191 000
191 000
191 000
191 000
Total tax
68 067
59 497
88 805
80 806
After tax
122 933
131 503
102 195
110 194
Living cost
24 020
24 020
24 020
24 020
Free-cash
98 913
107 483
78 175
86 174

Estimated living cost  is ₽24020 per week

₽16684
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1709
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽472
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5154
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽59520
₽54277
₽48077
₽39450
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
municipal
-
-
-
1 134
regional
-
-
-
2 269
national
-
-
-
48 009
social contributions
-
-
-
49 126
total
-
-
-
100 538
Employee
89 271
-
191 000
-
social contributions
30 102
-
64 406
-
regional
842
-
2 004
-
municipal
473
-
1 012
-
national
15 469
-
41 743
-
total
46 886
-
109 165
-
Employer
89 271
-
191 000
-
total
-
-
-
-
Corporate
101 729
191 000
-
-
nationa
24 414
45 840
-
-
municipal
3 967
7 449
-
-
total
28 381
53 289
-
-
Dividends
73 348
137 711
-
-
withholding
19 071
35 806
-
-
total
19 071
35 806
-
-
Income
191 000
191 000
191 000
191 000
Total tax
94 338
89 095
109 165
100 538
After tax
96 662
101 905
81 835
90 462
Living cost
42 385
42 385
42 385
42 385
Free-cash
54 277
59 520
39 450
48 077

Estimated living cost  is ₽42385 per week

₽29546
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2779
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽650
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9409
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽97975
₽94847
₽68033
₽61891
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
income
-
-
-
55 393
pensions
-
-
-
26 812
other
-
-
-
-
unemployment
-
-
-
229
health
-
-
-
9 518
surtax
-
-
-
8 850
total
-
-
-
100 802
Employee
33 217
-
162 781
-
other
-
-
-
-
health
848
-
3 418
-
surtax
109
-
7 649
-
income
5 568
-
49 385
-
pensions
2 215
-
8 942
-
unemployment
2 312
-
9 331
-
total
11 052
-
78 725
-
Employer
33 217
-
162 781
-
other
-
-
-
-
unemployment
1 052
-
4 249
-
pensions
4 428
-
17 870
-
health
1 512
-
6 100
-
total
6 992
-
28 219
-
Corporate
150 791
191 000
-
-
income
39 206
49 660
-
-
total
39 206
49 660
-
-
Dividends
111 585
141 340
-
-
withholding
16 738
21 200
-
-
total
16 738
21 200
-
-
Income
191 000
191 000
191 000
191 000
Total tax
73 988
70 860
106 944
100 802
After tax
117 012
120 140
84 056
90 198
Living cost
22 165
22 165
22 165
22 165
Free-cash
94 847
97 975
61 891
68 033

Estimated living cost  is ₽22165 per week

₽13553
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2045
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽511
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6056
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽77649
₽84275
₽79748
₽62539
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
income
-
-
-
56 105
pensions
-
-
-
9 311
total
-
-
-
65 416
Employee
63 617
-
166 717
-
health
924
-
2 362
-
income
11 458
-
44 632
-
pensions
5 400
-
11 348
-
total
17 782
-
58 342
-
Employer
63 617
-
166 717
-
pensions
6 887
-
21 115
-
health
1 209
-
3 168
-
total
8 096
-
24 283
-
Corporate
119 287
191 000
-
-
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.

22 664
36 289
-
-
total
22 664
36 289
-
-
Dividends
96 624
154 711
-
-
withholding
12 347
31 226
-
-
total
12 347
31 226
-
-
Income
191 000
191 000
191 000
191 000
Total tax
60 889
67 515
82 625
65 416
After tax
130 111
123 485
108 375
125 584
Living cost
45 836
45 836
45 836
45 836
Free-cash
84 275
77 649
62 539
79 748

Estimated living cost  is ₽45836 per week

₽34340
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3436
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.
₽7580
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
₽10946
₽43634
₽76996
₽68675
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
city
-
-
-
2 013
pensions
-
-
-
17 572
other

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

-
-
-
3 820
regional
-
-
-
9 920
health
-
-
-
430
national
-
-
-
3 855
total
-
-
-
37 610
Employee
89 401
-
171 118
-
city
959
-
1 840
-
regional
2 927
-
8 614
-
health
202
-
385
-
pensions
7 511
-
14 194
-
unemployment
-
-
-
-
national
423
-
2 897
-
total
12 022
-
27 930
-
Employer
89 401
-
171 118
-
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.

1 787
-
3 422
-
unemployment
-
-
-
-
pensions
7 511
-
14 194
-
health
202
-
385
-
total
9 500
-
18 001
-
Corporate
91 116
191 000
-
-
regional
19 272
40 397
-
-
national
7 744
16 234
-
-
total
27 016
56 631
-
-
Dividends
64 100
134 368
-
-
withholding
22 434
47 029
-
-
total
22 434
47 029
-
-
Income
191 000
191 000
191 000
191 000
Total tax
70 972
103 660
45 931
37 610
After tax
120 028
87 340
145 069
153 390
Living cost
76 394
76 394
76 394
76 394
Free-cash
43 634
10 946
68 675
76 996

Estimated living cost  is ₽76394 per week

₽49678
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6856
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽938
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽18922
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
₽48332
₽64622
₽49442
₽74190
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
191 000
trade
-
-
-
24 748
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.

-
-
-
60 599
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.

-
-
-
6 862
surtax

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

-
-
-
3 334
total
-
-
-
95 543
Employee

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

60 367
-
191 000
-
health

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

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

6 862
-
6 862
-
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.

391
-
3 334
-
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.

7 099
-
60 599
-
total
14 352
-
70 795
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
130 633
191 000
-
-
surtax

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

1 077
1 576
-
-
income
19 595
28 650
-
-
trade
22 403
32 756
-
-
chamber of commerce
335
421
-
-
total
43 410
63 403
-
-
Dividends
87 222
127 597
-
-
surtax

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

1 178
1 733
-
-
withholding
21 423
31 517
-
-
total
22 601
33 250
-
-
Income
191 000
191 000
191 000
191 000
Total tax
80 363
96 653
70 795
95 543
After tax
110 637
94 347
120 205
95 457
Living cost
46 015
46 015
46 015
46 015
Free-cash
64 622
48 332
74 190
49 442

Estimated living cost  is ₽46015 per week

₽33608
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3681
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽599
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8130
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽61896
₽67831
₽73038
₽68997
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
income
-
-
-
30 998
pensions
-
-
-
32 718
other
-
-
-
5 921
health
-
-
-
8 517
surtax
-
-
-
-
social contributions
-
-
-
5 442
total
-
-
-
83 596
Employee
42 990
-
147 215
-
social contributions
1 226
-
4 194
-
surtax
-
-
-
-
income
2 537
-
29 173
-
pensions
4 861
-
10 486
-
total
8 624
-
43 853
-
Employer
42 990
-
147 215
-
other
1 483
-
5 849
-
social contributions
130
-
442
-
unemployment
1 740
-
5 963
-
pensions
7 062
-
17 612
-
health
3 010
-
13 918
-
total
13 425
-
43 784
-
Corporate
134 585
191 000
-
-
surtax
-
-
-
-
income
37 683
53 480
-
-
total
37 683
53 480
-
-
Dividends
96 902
137 520
-
-
surtax
-
-
-
-
social contributions
16 668
23 654
-
-
withholding
12 403
17 604
-
-
total
29 071
41 258
-
-
Income
191 000
191 000
191 000
191 000
Total tax
88 803
94 738
87 637
83 596
After tax
102 197
96 262
103 363
107 404
Living cost
34 366
34 366
34 366
34 366
Free-cash
67 831
61 896
68 997
73 038

Estimated living cost  is ₽34366 per week

₽21669
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2794
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽585
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9319
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽65301
₽70882
₽76443
₽72402
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
income
-
-
-
30 998
pensions
-
-
-
32 718
other
-
-
-
5 921
health
-
-
-
8 517
surtax
-
-
-
-
social contributions
-
-
-
5 442
total
-
-
-
83 596
Employee
38 374
-
147 215
-
social contributions
1 094
-
4 194
-
surtax
-
-
-
-
income
1 979
-
29 173
-
pensions
4 340
-
10 486
-
total
7 413
-
43 853
-
Employer
38 374
-
147 215
-
other
1 325
-
5 849
-
social contributions
114
-
442
-
unemployment
1 554
-
5 963
-
pensions
6 306
-
17 612
-
health
2 686
-
13 918
-
total
11 985
-
43 784
-
Corporate
140 641
191 000
-
-
surtax
-
-
-
-
income
39 380
53 480
-
-
total
39 380
53 480
-
-
Dividends
101 262
137 520
-
-
surtax
-
-
-
-
social contributions
17 417
23 654
-
-
withholding
12 962
17 604
-
-
total
30 379
41 258
-
-
Income
191 000
191 000
191 000
191 000
Total tax
89 157
94 738
87 637
83 596
After tax
101 843
96 262
103 363
107 404
Living cost
30 961
30 961
30 961
30 961
Free-cash
70 882
65 301
72 402
76 443

Estimated living cost  is ₽30961 per week

₽17956
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3145
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽587
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9274
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽95228
₽95746
₽101360
₽97007
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
income
-
-
-
28 650
health
-
-
-
13 332
social contributions
-
-
-
26 359
total
-
-
-
68 341
Employee
34 058
-
191 000
-
social contributions
4 701
-
26 359
-
health
2 377
-
13 332
-
income
5 680
-
33 002
-
total
12 758
-
72 693
-
Employer
34 058
-
191 000
-
total
-
-
-
-
Corporate
156 942
191 000
-
-
income

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

7 848
9 550
-
-
total
7 848
9 550
-
-
Dividends
149 095
181 450
-
-
health
10 408
12 665
-
-
social contributions
20 575
25 039
-
-
withholding
22 365
27 218
-
-
total
53 348
64 922
-
-
Income
191 000
191 000
191 000
191 000
Total tax
73 954
74 472
72 693
68 341
After tax
117 046
116 528
118 307
122 659
Living cost
21 300
21 300
21 300
21 300
Free-cash
95 746
95 228
97 007
101 360

Estimated living cost  is ₽21300 per week

₽14254
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1313
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽490
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5240
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽70153
₽68598
₽62675
₽15044
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
chamber of commerce
-
-
-
764
income
-
-
-
55 123
pensions
-
-
-
21 709
unemployment
-
-
-
6 161
health
-
-
-
8 976
surtax
-
-
-
198
total
-
-
-
92 931
Employee
50 199
40 030
154 329
-
other
501
400
1 174
-
health
1 942
1 550
4 541
-
income
5 715
2 953
45 007
-
pensions
5 141
4 098
12 017
-
unemployment
1 506
1 201
3 521
-
total
14 805
10 202
66 260
-
Employer
50 199
40 030
154 329
-
accident
652
520
1 525
-
other
2 385
1 900
7 017
-
chamber of commerce
200
160
618
-
unemployment
1 506
1 201
3 521
-
surtax
198
198
198
-
pensions
6 300
5 025
14 727
-
payroll
1 506
1 201
4 630
-
health
1 897
1 514
4 436
-
total
14 644
11 719
36 672
-
Corporate
126 158
139 251
150 517
-
income

The minimum corporate income for a GmbH is €1,1750 for a year. However, for GmbHs founded after 30 June 2013, the amount is reduced to €500 for the first five years and €1000 for the next five years.

Минимальный корпоративный налог для GmbH €1,1750 в год. Если GmbHs основана после 30 Июня 2013 эта сумма сниже до €500 в первые 5 лет и €1000 для следующих пяти лет.

31 540
34 812
37 630
-
total
31 540
34 812
37 630
-
Dividends
94 618
104 439
-
-
withholding
26 019
28 720
-
-
total
26 019
28 720
-
-
Income
191 000
191 000
191 000
191 000
Total tax
87 008
85 453
140 562
92 931
After tax
103 992
105 547
50 438
98 069
Living cost
35 394
35 394
35 394
35 394
Free-cash
68 598
70 153
15 044
62 675

Estimated living cost  is ₽35394 per week

₽23606
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3019
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.
₽8187
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽70143
₽55100
₽46273
₽29836
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
national
-
-
-
73 102
communal

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

-
-
-
9 958
social contributions
-
-
-
25 043
total
-
-
-
108 103
Employee

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

71 850
-
147 938
-
communal

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

3 748
-
7 716
-
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.

3 376
-
6 954
-
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.

5 389
-
11 096
-
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.

625
-
1 287
-
national
22 090
-
54 425
-
total
35 228
-
81 478
-
Employer

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

71 850
-
147 938
-
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.

934
-
1 923
-
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.

1 048
-
2 160
-
surtax
8 147
-
16 774
-
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.

6 367
-
13 107
-
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.

4 419
-
9 098
-
total
20 915
-
43 062
-
Corporate
98 235
191 000
-
-
surtax
393
764
-
-
income
19 647
38 234
-
-
total
20 040
38 998
-
-
Dividends
78 195
152 002
-
-
withholding

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

23 093
45 235
-
-
total
23 093
45 235
-
-
Income
191 000
191 000
191 000
191 000
Total tax
99 276
84 233
124 540
108 103
After tax
91 724
106 767
66 460
82 897
Living cost
36 624
36 624
36 624
36 624
Free-cash
55 100
70 143
29 836
46 273

Estimated living cost  is ₽36624 per week

₽23591
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3202
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽574
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9258
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽90869
₽83986
₽70754
₽66541
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
accident
-
-
-
839
income
-
-
-
56 039
pensions
-
-
-
26 347
other
-
-
-
93
unemployment
-
-
-
652
total
-
-
-
83 970
Employee
50 000
-
161 319
-
other
50
-
93
-
income
10 550
-
52 590
-
pensions
2 350
-
4 377
-
unemployment
776
-
1 443
-
total
13 726
-
58 503
-
Employer
50 000
-
161 319
-
accident
989
-
1 843
-
other
398
-
745
-
unemployment
2 751
-
5 120
-
pensions
11 799
-
21 972
-
total
15 937
-
29 680
-
Corporate
125 062
191 000
-
-
income

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

18 759
28 650
-
-
total
18 759
28 650
-
-
Dividends
106 304
162 350
-
-
withholding
22 316
35 205
-
-
total
22 316
35 205
-
-
Income
191 000
191 000
191 000
191 000
Total tax
70 738
63 855
88 183
83 970
After tax
120 262
127 145
102 817
107 030
Living cost
36 276
36 276
36 276
36 276
Free-cash
83 986
90 869
66 541
70 754

Estimated living cost  is ₽36276 per week

₽26713
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2573
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽522
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6466
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽56128
₽42828
₽38270
₽45887
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
accident
-
-
-
1 611
income
-
-
-
32 944
pensions
-
-
-
28 629
health
-
-
-
13 419
surtax
-
-
-
9 468
communal
-
-
-
12 072
total
-
-
-
98 143
Employee
76 068
-
170 612
-
health
3 385
-
7 592
-
surtax
4 662
-
10 455
-
income
7 347
-
38 443
-
pensions
6 085
-
13 648
-
total
21 479
-
70 138
-
Employer
76 068
-
170 612
-
accident
684
-
1 536
-
pensions
6 085
-
13 648
-
health
2 320
-
5 204
-
total
9 089
-
20 388
-
Corporate
105 844
191 000
-
-
surtax
1 111
2 005
-
-
communal
7 144
12 893
-
-
income
15 877
28 650
-
-
total
24 132
43 548
-
-
Dividends
81 711
147 452
-
-
income
26 628
14 620
-
-
withholding
12 257
22 117
-
-
total
38 885
36 737
-
-
Income
191 000
191 000
191 000
191 000
Total tax
93 585
80 285
90 526
98 143
After tax
97 415
110 715
100 474
92 857
Living cost
54 587
54 587
54 587
54 587
Free-cash
42 828
56 128
45 887
38 270

Estimated living cost  is ₽54587 per week

₽40948
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3307
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽578
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9752
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽97578
₽94382
₽67636
₽61494
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
income
-
-
-
55 393
pensions
-
-
-
26 812
other
-
-
-
-
unemployment
-
-
-
229
health
-
-
-
9 518
surtax
-
-
-
8 850
total
-
-
-
100 802
Employee
33 827
-
162 781
-
other
-
-
-
-
health
863
-
3 418
-
surtax
120
-
7 649
-
income
5 671
-
49 385
-
pensions
2 257
-
8 942
-
unemployment
2 354
-
9 331
-
total
11 265
-
78 725
-
Employer
33 827
-
162 781
-
other
-
-
-
-
unemployment
1 073
-
4 249
-
pensions
4 510
-
17 870
-
health
1 538
-
6 100
-
total
7 121
-
28 219
-
Corporate
150 052
191 000
-
-
income
39 014
49 660
-
-
total
39 014
49 660
-
-
Dividends
111 038
141 340
-
-
withholding
16 656
21 200
-
-
total
16 656
21 200
-
-
Income
191 000
191 000
191 000
191 000
Total tax
74 056
70 860
106 944
100 802
After tax
116 944
120 140
84 056
90 198
Living cost
22 562
22 562
22 562
22 562
Free-cash
94 382
97 578
61 494
67 636

Estimated living cost  is ₽22562 per week

₽13622
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1961
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽524
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6456
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽73335
₽71106
₽62794
₽54211
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
municipal
-
-
-
1 134
regional
-
-
-
2 879
national
-
-
-
48 009
social contributions
-
-
-
49 126
total
-
-
-
101 148
Employee
55 719
-
191 000
-
social contributions
18 789
-
64 406
-
regional
750
-
2 570
-
municipal
295
-
1 012
-
national
8 827
-
41 743
-
total
28 661
-
109 731
-
Employer
55 719
-
191 000
-
total
-
-
-
-
Corporate
135 281
191 000
-
-
nationa
32 468
45 840
-
-
municipal
6 723
9 493
-
-
total
39 191
55 333
-
-
Dividends
96 090
135 668
-
-
withholding
24 984
35 274
-
-
total
24 984
35 274
-
-
Income
191 000
191 000
191 000
191 000
Total tax
92 836
90 607
109 731
101 148
After tax
98 164
100 393
81 269
89 852
Living cost
27 058
27 058
27 058
27 058
Free-cash
71 106
73 335
54 211
62 794

Estimated living cost  is ₽27058 per week

₽16828
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2741
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽463
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7026
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽101904
₽91346
₽80595
₽72596
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
income
-
-
-
19 598
health
-
-
-
25 785
solidarity contribution
-
-
-
860
social contributions
-
-
-
34 563
total
-
-
-
80 806
Employee
43 527
-
148 081
-
social contributions
2 829
-
7 694
-
health
5 876
-
19 991
-
solidarity contribution
-
-
142
-
income
5 223
-
18 059
-
total
13 928
-
45 886
-
Employer
43 527
-
148 081
-
social contributions
10 882
-
29 592
-
health
3 917
-
13 327
-
total
14 799
-
42 919
-
Corporate
132 673
191 000
-
-
income
25 208
36 290
-
-
total
25 208
36 290
-
-
Dividends
107 465
154 710
-
-
withholding
16 120
23 207
-
-
total
16 120
23 207
-
-
Income
191 000
191 000
191 000
191 000
Total tax
70 055
59 497
88 805
80 806
After tax
120 945
131 503
102 195
110 194
Living cost
29 599
29 599
29 599
29 599
Free-cash
91 346
101 904
72 596
80 595

Estimated living cost  is ₽29599 per week

₽22011
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1640
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽512
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5435
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽73607
₽73114
₽66221
₽18444
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
chamber of commerce
-
-
-
764
income
-
-
-
55 123
pensions
-
-
-
21 709
unemployment
-
-
-
6 161
health
-
-
-
8 976
surtax
-
-
-
-
total
-
-
-
92 733
Employee
43 908
40 030
154 516
-
other
438
400
1 174
-
health
1 698
1 550
4 541
-
income
3 911
2 953
45 096
-
pensions
4 497
4 098
12 017
-
unemployment
1 317
1 201
3 521
-
total
11 861
10 202
66 349
-
Employer
43 908
40 030
154 516
-
accident
570
520
1 525
-
other
2 085
1 900
7 022
-
chamber of commerce
175
160
618
-
unemployment
1 317
1 201
3 521
-
surtax
-
-
-
-
pensions
5 511
5 025
14 727
-
payroll
1 317
1 201
4 636
-
health
1 660
1 514
4 436
-
total
12 635
11 521
36 485
-
Corporate
134 456
139 449
150 704
-
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.

33 613
34 862
37 676
-
total
33 613
34 862
37 676
-
Dividends
100 842
104 587
-
-
withholding
27 731
28 762
-
-
total
27 731
28 762
-
-
Income
191 000
191 000
191 000
191 000
Total tax
85 840
85 347
140 510
92 733
After tax
105 160
105 653
50 490
98 267
Living cost
32 046
32 046
32 046
32 046
Free-cash
73 114
73 607
18 444
66 221

Estimated living cost  is ₽32046 per week

₽19224
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3273
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.
₽8978
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽167270
₽164611
₽174910
₽138620
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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%.

-
-
-
191 000
microenterprise

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

-
-
-
1 910
total
-
-
-
1 910
Employee
17 726
-
191 000
-
income
3 545
-
38 200
-
total
3 545
-
38 200
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

We will register your company as part of a virtual zone. Your non-Georgian corporate tax will be zero. Turnover in Georgia will be taxed at 15%.

173 274
191 000
-
-
total
-
-
-
-
Dividends
173 274
191 000
-
-
withholding
8 664
9 550
-
-
total
8 664
9 550
-
-
Income
191 000
191 000
191 000
191 000
Total tax
12 209
9 550
38 200
1 910
After tax
178 791
181 450
152 800
189 090
Living cost
14 180
14 180
14 180
14 180
Free-cash
164 611
167 270
138 620
174 910

Estimated living cost  is ₽14180 per week

₽9596
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽595
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.
₽3513
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽104562
₽96160
₽65424
₽60569
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
191 000
income
-
-
-
44 674
pensions
-
-
-
34 881
unemployment
-
-
-
286
health
-
-
-
18 793
total
-
-
-
98 634
Employee

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

44 418
-
165 267
-
health
2 869
-
10 676
-
income
7 660
-
41 232
-
pensions
6 885
-
25 617
-
unemployment
63
-
231
-
total
17 477
-
77 756
-
Employer

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

44 418
-
165 267
-
unemployment
27
-
99
-
pensions
3 931
-
14 626
-
health
2 958
-
11 008
-
total
6 916
-
25 733
-
Corporate
139 666
191 000
-
-
income
26 536
36 290
-
-
total
26 536
36 290
-
-
Dividends
113 131
154 710
-
-
withholding
16 969
23 206
-
-
total
16 969
23 206
-
-
Income
191 000
191 000
191 000
191 000
Total tax
67 898
59 496
103 489
98 634
After tax
123 102
131 504
87 511
92 366
Living cost
26 942
26 942
26 942
26 942
Free-cash
96 160
104 562
60 569
65 424

Estimated living cost  is ₽26942 per week

₽18490
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1727
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽522
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6205
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽72642
₽24620
₽88434
₽134156
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
income
-
-
-
37 230
social contributions
-
-
-
21 774
total
-
-
-
59 004
Employee
62 462
-
-
-
social contributions
5 122
-
730
-
income
13 778
-
-
-
total
18 900
-
730
-
Employer
62 462
-
-
-
social contributions
88 072
-
12 552
-
total
88 072
-
12 552
-
Corporate
40 466
191 000
-
-
income
8 902
42 020
-
-
total
8 902
42 020
-
-
Dividends
31 563
148 980
-
-
income
6 944
32 776
-
-
total
6 944
32 776
-
-
Income
191 000
191 000
191 000
191 000
Total tax
122 818
74 796
13 282
59 004
After tax
68 182
116 204
177 718
131 996
Living cost
43 562
43 562
43 562
43 562
Free-cash
24 620
72 642
134 156
88 434

Estimated living cost  is ₽43562 per week

₽28265
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4097
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽555
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10645
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽77135
₽76122
₽69879
₽55400
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
191 000
income
-
-
-
23 241
surtax
-
-
-
-
social contributions

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

-
-
-
66 373
total
-
-
-
89 614
Employee
46 198
-
154 342
-
social contributions
5 082
-
16 978
-
surtax
-
-
-
-
income
9 609
-
50 459
-
total
14 691
-
67 437
-
Employer
46 198
-
154 342
-
social contributions
10 972
-
36 656
-
total
10 972
-
36 656
-
Corporate
133 830
191 000
-
-
surtax
-
-
-
-
income
28 105
40 110
-
-
total
28 105
40 110
-
-
Dividends
105 726
150 890
-
-
withholding
29 603
42 248
-
-
total
29 603
42 248
-
-
Income
191 000
191 000
191 000
191 000
Total tax
83 371
82 358
104 093
89 614
After tax
107 629
108 642
86 907
101 386
Living cost
31 507
31 507
31 507
31 507
Free-cash
76 122
77 135
55 400
69 879

Estimated living cost  is ₽31507 per week

₽23574
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1859
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽526
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5549
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽47747
₽54653
₽58889
₽54848
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
income
-
-
-
30 998
pensions
-
-
-
32 718
other
-
-
-
5 921
health
-
-
-
8 517
surtax
-
-
-
-
social contributions
-
-
-
5 442
total
-
-
-
83 596
Employee
62 912
-
147 215
-
social contributions
1 792
-
4 194
-
surtax
-
-
-
-
income
5 489
-
29 173
-
pensions
7 116
-
10 486
-
total
14 397
-
43 853
-
Employer
62 912
-
147 215
-
other
2 171
-
5 849
-
social contributions
189
-
442
-
unemployment
2 549
-
5 963
-
pensions
10 337
-
17 612
-
health
4 403
-
13 918
-
total
19 649
-
43 784
-
Corporate
108 439
191 000
-
-
surtax
-
-
-
-
income
30 363
53 480
-
-
total
30 363
53 480
-
-
Dividends
78 076
137 520
-
-
surtax
-
-
-
-
social contributions
13 429
23 654
-
-
withholding
9 994
17 604
-
-
total
23 423
41 258
-
-
Income
191 000
191 000
191 000
191 000
Total tax
87 832
94 738
87 637
83 596
After tax
103 168
96 262
103 363
107 404
Living cost
48 515
48 515
48 515
48 515
Free-cash
54 653
47 747
54 848
58 889

Estimated living cost  is ₽48515 per week

₽32834
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3969
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽665
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽11046
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽141706
₽138332
₽109987
₽115064
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
income
-
-
-
8 799
social contributions
-
-
-
42 020
total
-
-
-
50 819
Employee
32 293
-
165 368
-
income
-
-
9 361
-
social contributions
2 099
-
10 749
-
total
2 099
-
20 110
-
Employer
32 293
-
165 368
-
social contributions
5 006
-
25 632
-
total
5 006
-
25 632
-
Corporate
153 702
191 000
-
-
income
15 369
19 100
-
-
total
15 369
19 100
-
-
Dividends
138 332
171 900
-
-
total
-
-
-
-
Income
191 000
191 000
191 000
191 000
Total tax
22 474
19 100
45 742
50 819
After tax
168 526
171 900
145 258
140 181
Living cost
30 194
30 194
30 194
30 194
Free-cash
138 332
141 706
115 064
109 987

Estimated living cost  is ₽30194 per week

₽19523
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2276
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.
₽7827
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽27845
-₽27845
₽63461
-₽27845
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
municipal
-
-
-
40 204
pensions
-
-
-
871
national
-
-
-
22 880
labour market
-
-
-
15 210
total
-
-
-
79 165
Employee
204 175
204 175
204 175
-
labour market
16 311
16 311
16 311
-
national
24 944
24 944
24 944
-
municipal
43 478
43 478
43 478
-
pensions
290
290
290
-
total
85 023
85 023
85 023
-
Employer
204 175
204 175
204 175
-
labour market
16 334
16 334
16 334
-
municipal
43 547
43 547
43 547
-
pensions
580
580
580
-
national
24 987
24 987
24 987
-
total
85 448
85 448
85 448
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
191 000
191 000
191 000
191 000
Total tax
170 471
170 471
170 471
79 165
After tax
20 529
20 529
20 529
111 835
Living cost
48 374
48 374
48 374
48 374
Free-cash
-27 845
-27 845
-27 845
63 461

Estimated living cost  is ₽48374 per week

₽33108
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4279
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽744
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10243
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽6248
₽12140
₽108798
₽82539
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
accident
-
-
-
253
income
-
-
-
53 505
pensions
-
-
-
4 169
other
-
-
-
371
health
-
-
-
2 185
total
-
-
-
60 483
Employee
34 165
-
172 840
-
health
3 912
-
19 790
-
income
4 687
-
41 148
-
pensions
3 847
-
7 645
-
total
12 446
-
68 583
-
Employer
34 165
-
172 840
-
accident
570
-
2 886
-
unemployment
837
-
4 234
-
pensions
5 555
-
11 039
-
total
6 962
-
18 159
-
Corporate
149 872
191 000
-
-
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.

134 885
171 900
-
-
total
134 885
171 900
-
-
Dividends
14 987
19 100
-
-
withholding
2 848
3 629
-
-
total
2 848
3 629
-
-
Income
191 000
191 000
191 000
191 000
Total tax
157 141
175 529
86 742
60 483
After tax
33 859
15 471
104 258
130 517
Living cost
21 719
21 719
21 719
21 719
Free-cash
12 140
-6 248
82 539
108 798

Estimated living cost  is ₽21719 per week

₽15809
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1238
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.
₽4264
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽80245
₽83108
₽82586
₽60709
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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

-
-
-
191 000
municipal
-
-
-
33 926
health
-
-
-
2 522
national
-
-
-
33 402
total
-
-
-
69 850
Employee
52 847
-
160 680
-
health
395
-
2 055
-
municipal
8 656
-
26 166
-
pensions
3 566
-
10 846
-
unemployment
793
-
2 409
-
national
873
-
19 931
-
total
14 283
-
61 407
-
Employer
52 847
-
160 680
-
accident
53
-
160
-
unemployment
343
-
1 045
-
pensions
9 169
-
27 878
-
health
406
-
1 237
-
total
9 971
-
30 320
-
Corporate
128 182
191 000
-
-
income
25 636
38 200
-
-
total
25 636
38 200
-
-
Dividends

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

76 909
114 600
-
-
national
5 593
13 362
-
-
municipal
13 845
20 629
-
-
total
19 438
33 991
-
-
Income
191 000
191 000
191 000
191 000
Total tax
69 328
72 191
91 727
69 850
After tax
121 672
118 809
99 273
121 150
Living cost
38 564
38 564
38 564
38 564
Free-cash
83 108
80 245
60 709
82 586

Estimated living cost  is ₽38564 per week

₽25190
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3709
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽614
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9052
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽116035
₽110569
₽106589
₽104946
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
income
-
-
-
40 033
health
-
-
-
4 870
social contributions
-
-
-
16 252
total
-
-
-
61 155
Employee
77 239
77 239
179 041
-
social contributions
2 920
6 410
8 646
-
health
599
1 313
3 044
-
income
8 410
7 150
39 149
-
total
11 929
14 873
50 839
-
Employer
77 239
77 239
179 041
-
social contributions
2 920
6 410
8 646
-
health
650
1 430
3 313
-
total
3 570
7 840
11 959
-
Corporate
152 245
105 921
-
-
income
19 031
13 240
-
-
total
19 031
13 240
-
-
Dividends
133 213
92 681
-
-
withholding
22 645
15 756
-
-
total
22 645
15 756
-
-
Income
191 000
191 000
191 000
191 000
Total tax
57 175
51 709
62 798
61 155
After tax
133 825
139 291
128 202
129 845
Living cost
23 256
23 256
23 256
23 256
Free-cash
110 569
116 035
104 946
106 589

Estimated living cost  is ₽23256 per week

₽13938
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2282
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽515
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6523
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽142220
₽137109
₽145449
₽125303
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
191 000
income
-
-
-
19 550
pensions
-
-
-
6 389
unemployment
-
-
-
29
health
-
-
-
3 635
total
-
-
-
29 603
Employee

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

23 056
-
181 183
-
health
1 960
-
8 101
-
income
1 576
-
17 058
-
pensions
3 458
-
14 296
-
unemployment
114
-
477
-
total
7 108
-
39 932
-
Employer

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

23 056
-
181 183
-
unemployment
114
-
477
-
pensions
1 268
-
5 242
-
health
991
-
4 098
-
total
2 373
-
9 817
-
Corporate
165 571
191 000
-
-
income
14 901
17 190
-
-
total
14 901
17 190
-
-
Dividends
150 670
173 810
-
-
withholding
13 561
15 642
-
-
total
13 561
15 642
-
-
Income
191 000
191 000
191 000
191 000
Total tax
37 943
32 832
49 749
29 603
After tax
153 057
158 168
141 251
161 397
Living cost
15 948
15 948
15 948
15 948
Free-cash
137 109
142 220
125 303
145 449

Estimated living cost  is ₽15948 per week

₽10175
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1149
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽475
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4148
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽99523
₽95087
₽79408
₽75195
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
accident
-
-
-
839
income
-
-
-
56 039
pensions
-
-
-
26 347
other
-
-
-
93
unemployment
-
-
-
652
total
-
-
-
83 970
Employee
37 141
-
161 319
-
other
36
-
93
-
income
7 161
-
52 590
-
pensions
1 746
-
4 377
-
unemployment
576
-
1 443
-
total
9 519
-
58 503
-
Employer
37 141
-
161 319
-
accident
736
-
1 843
-
other
297
-
745
-
unemployment
2 043
-
5 120
-
pensions
8 765
-
21 972
-
total
11 841
-
29 680
-
Corporate
142 018
191 000
-
-
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.

21 303
28 650
-
-
total
21 303
28 650
-
-
Dividends
120 714
162 350
-
-
withholding
25 628
35 205
-
-
total
25 628
35 205
-
-
Income
191 000
191 000
191 000
191 000
Total tax
68 291
63 855
88 183
83 970
After tax
122 709
127 145
102 817
107 030
Living cost
27 622
27 622
27 622
27 622
Free-cash
95 087
99 523
75 195
79 408

Estimated living cost  is ₽27622 per week

₽18644
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2655
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽484
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5839
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽116434
₽115983
₽119785
₽119589
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
income
-
-
-
65 004
pensions
-
-
-
2 006
health
-
-
-
1 455
total
-
-
-
68 465
Employee
4 189
-
188 743
-
health
209
-
502
-
income
810
-
64 899
-
pensions
377
-
903
-
unemployment
42
-
100
-
total
1 438
-
66 404
-
Employer
4 189
-
188 743
-
unemployment
84
-
201
-
pensions
461
-
1 103
-
health
398
-
953
-
total
943
-
2 257
-
Corporate
185 868
191 000
-
-
income
40 891
42 020
-
-
total
40 891
42 020
-
-
Dividends
144 977
148 980
-
-
withholding
28 995
29 796
-
-
total
28 995
29 796
-
-
Income
191 000
191 000
191 000
191 000
Total tax
72 267
71 816
68 661
68 465
After tax
118 733
119 184
122 339
122 535
Living cost
2 750
2 750
2 750
2 750
Free-cash
115 983
116 434
119 589
119 785

Estimated living cost  is ₽2750 per week

₽1635
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽223
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽63
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽830
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽120627
₽115687
₽102019
₽102016
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
191 000
income
-
-
-
43 554
pensions
-
-
-
19 299
unemployment
-
-
-
1 113
health
-
-
-
7 645
total
-
-
-
71 611
Employee

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

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

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

26 193
-
177 713
-
health
1 349
-
3 823
-
income
3 610
-
43 555
-
pensions
3 667
-
10 392
-
unemployment
196
-
557
-
total
8 822
-
58 327
-
Employer

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

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

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

26 193
-
177 713
-
unemployment
196
-
557
-
pensions
3 143
-
8 907
-
health
1 349
-
3 823
-
total
4 688
-
13 287
-
Corporate
160 119
191 000
-
-
income
24 018
28 650
-
-
total
24 018
28 650
-
-
Dividends
136 101
162 350
-
-
withholding
20 415
24 353
-
-
total
20 415
24 353
-
-
Income
191 000
191 000
191 000
191 000
Total tax
57 943
53 003
71 614
71 611
After tax
133 057
137 997
119 386
119 389
Living cost
17 370
17 370
17 370
17 370
Free-cash
115 687
120 627
102 016
102 019

Estimated living cost  is ₽17370 per week

₽11695
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1344
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽503
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3828
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽81562
₽81199
₽74306
₽59827
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
191 000
income
-
-
-
23 241
surtax
-
-
-
-
social contributions

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

-
-
-
66 373
total
-
-
-
89 614
Employee
38 986
-
154 342
-
social contributions
4 289
-
16 978
-
surtax
-
-
-
-
income
7 618
-
50 459
-
total
11 907
-
67 437
-
Employer
38 986
-
154 342
-
social contributions
9 258
-
36 656
-
total
9 258
-
36 656
-
Corporate
142 756
191 000
-
-
surtax
-
-
-
-
income
29 978
40 110
-
-
total
29 978
40 110
-
-
Dividends
112 778
150 890
-
-
withholding
31 578
42 248
-
-
total
31 578
42 248
-
-
Income
191 000
191 000
191 000
191 000
Total tax
82 721
82 358
104 093
89 614
After tax
108 279
108 642
86 907
101 386
Living cost
27 080
27 080
27 080
27 080
Free-cash
81 199
81 562
59 827
74 306

Estimated living cost  is ₽27080 per week

₽19180
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1881
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽480
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5539
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽91843
₽85269
₽71728
₽67515
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
accident
-
-
-
839
income
-
-
-
56 039
pensions
-
-
-
26 347
other
-
-
-
93
unemployment
-
-
-
652
total
-
-
-
83 970
Employee
48 511
-
161 319
-
other
48
-
93
-
income
10 132
-
52 590
-
pensions
2 280
-
4 377
-
unemployment
751
-
1 443
-
total
13 211
-
58 503
-
Employer
48 511
-
161 319
-
accident
961
-
1 843
-
other
389
-
745
-
unemployment
2 669
-
5 120
-
pensions
11 448
-
21 972
-
total
15 467
-
29 680
-
Corporate
127 022
191 000
-
-
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.

19 054
28 650
-
-
total
19 054
28 650
-
-
Dividends
107 968
162 350
-
-
withholding
22 697
35 205
-
-
total
22 697
35 205
-
-
Income
191 000
191 000
191 000
191 000
Total tax
70 429
63 855
88 183
83 970
After tax
120 571
127 145
102 817
107 030
Living cost
35 302
35 302
35 302
35 302
Free-cash
85 269
91 843
67 515
71 728

Estimated living cost  is ₽35302 per week

₽25352
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2745
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.
₽6708
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽146029
₽139909
₽135708
₽143349
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
income
-
-
-
28 650
pensions

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

-
-
-
5 192
unemployment
-
-
-
140
health
-
-
-
4 034
total
-
-
-
38 016
Employee
22 876
-
184 117
-
health
1 052
-
1 614
-
accident

We are using the highest rate at 1.1%.

251
-
386
-
income
2 288
-
18 412
-
pensions

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

2 008
-
3 080
-
total
5 599
-
23 492
-
Employer
22 876
-
184 117
-
accident

We are using the highest rate at 1.1%.

251
-
386
-
unemployment
137
-
210
-
pensions

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

2 521
-
3 866
-
health
1 579
-
2 421
-
total
4 488
-
6 883
-
Corporate
163 635
191 000
-
-
income
16 364
19 100
-
-
total
16 364
19 100
-
-
Dividends
147 271
171 900
-
-
withholding
7 364
8 595
-
-
total
7 364
8 595
-
-
Income
191 000
191 000
191 000
191 000
Total tax
33 815
27 695
30 375
38 016
After tax
157 185
163 305
160 625
152 984
Living cost
17 276
17 276
17 276
17 276
Free-cash
139 909
146 029
143 349
135 708

Estimated living cost  is ₽17276 per week

₽11426
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽989
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽412
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4449
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽59494
₽72637
₽60718
₽81425
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
191 000
trade
-
-
-
20 707
income

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

-
-
-
60 599
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.

-
-
-
6 862
surtax

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

-
-
-
3 334
total
-
-
-
91 502
Employee

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

49 979
-
191 000
-
health

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

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

6 862
-
6 862
-
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.

227
-
3 334
-
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.

4 110
-
60 599
-
total
11 199
-
70 795
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
141 021
191 000
-
-
surtax

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

1 163
1 576
-
-
income
21 153
28 650
-
-
trade
20 236
27 409
-
-
chamber of commerce
358
433
-
-
total
42 910
58 068
-
-
Dividends
98 111
132 932
-
-
surtax

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

1 329
1 807
-
-
withholding
24 145
32 851
-
-
total
25 474
34 658
-
-
Income
191 000
191 000
191 000
191 000
Total tax
79 583
92 726
70 795
91 502
After tax
111 417
98 274
120 205
99 498
Living cost
38 780
38 780
38 780
38 780
Free-cash
72 637
59 494
81 425
60 718

Estimated living cost  is ₽38780 per week

₽26751
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4173
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽562
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7293
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽76481
₽78697
₽41792
₽41792
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
income
-
-
-
59 797
social contributions
-
-
-
32 192
total
-
-
-
91 989
Employee
78 572
-
191 000
-
income
14 826
-
59 797
-
social contributions
6 528
-
32 192
-
total
21 354
-
91 989
-
Employer
78 572
-
191 000
-
total
-
-
-
-
Corporate
112 428
191 000
-
-
income
14 054
23 875
-
-
total
14 054
23 875
-
-
Dividends
98 374
167 125
-
-
withholding
19 676
33 425
-
-
total
19 676
33 425
-
-
Income
191 000
191 000
191 000
191 000
Total tax
55 084
57 300
91 989
91 989
After tax
135 916
133 700
99 011
99 011
Living cost
57 219
57 219
57 219
57 219
Free-cash
78 697
76 481
41 792
41 792

Estimated living cost  is ₽57219 per week

₽43531
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4662
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽547
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8479
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽82381
₽85889
₽119156
₽98483
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
191 000
income
-
-
-
28 650
health

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

-
-
-
6 731
total
-
-
-
35 381
Employee
46 079
-
186 379
-
income
5 000
-
46 812
-
social contributions
4 617
-
4 621
-
total
9 617
-
51 433
-
Employer
46 079
-
186 379
-
social contributions
4 617
-
4 621
-
total
4 617
-
4 621
-
Corporate
140 304
191 000
-
-
income
49 107
66 849
-
-
total
49 107
66 849
-
-
Dividends
91 197
124 151
-
-
social contributions
5 307
5 307
-
-
total
5 307
5 307
-
-
Income
191 000
191 000
191 000
191 000
Total tax
68 648
72 156
56 054
35 381
After tax
122 352
118 844
134 946
155 619
Living cost
36 463
36 463
36 463
36 463
Free-cash
85 889
82 381
98 483
119 156

Estimated living cost  is ₽36463 per week

₽24018
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2875
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽559
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9010
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽86222
₽92162
₽88321
₽71112
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
income
-
-
-
56 105
pensions
-
-
-
9 311
total
-
-
-
65 416
Employee
51 149
-
166 717
-
health
667
-
2 362
-
income
9 315
-
44 632
-
pensions
3 904
-
11 348
-
total
13 886
-
58 342
-
Employer
51 149
-
166 717
-
pensions
5 168
-
21 115
-
health
972
-
3 168
-
total
6 140
-
24 283
-
Corporate
133 711
191 000
-
-
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.

25 406
36 289
-
-
total
25 406
36 289
-
-
Dividends
108 305
154 711
-
-
withholding
16 143
31 226
-
-
total
16 143
31 226
-
-
Income
191 000
191 000
191 000
191 000
Total tax
61 575
67 515
82 625
65 416
After tax
129 425
123 485
108 375
125 584
Living cost
37 263
37 263
37 263
37 263
Free-cash
92 162
86 222
71 112
88 321

Estimated living cost  is ₽37263 per week

₽25562
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3427
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽466
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7806
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽8398
₽11809
₽106648
₽80389
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
accident
-
-
-
253
income
-
-
-
53 505
pensions
-
-
-
4 169
other
-
-
-
371
health
-
-
-
2 185
total
-
-
-
60 483
Employee
37 547
-
172 840
-
health
4 299
-
19 790
-
income
5 151
-
41 148
-
pensions
4 228
-
7 645
-
total
13 678
-
68 583
-
Employer
37 547
-
172 840
-
accident
627
-
2 886
-
unemployment
920
-
4 234
-
pensions
6 105
-
11 039
-
total
7 652
-
18 159
-
Corporate
145 802
191 000
-
-
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.

131 222
171 900
-
-
total
131 222
171 900
-
-
Dividends
14 580
19 100
-
-
withholding
2 770
3 629
-
-
total
2 770
3 629
-
-
Income
191 000
191 000
191 000
191 000
Total tax
155 322
175 529
86 742
60 483
After tax
35 678
15 471
104 258
130 517
Living cost
23 869
23 869
23 869
23 869
Free-cash
11 809
-8 398
80 389
106 648

Estimated living cost  is ₽23869 per week

₽17517
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1391
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽481
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4480
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽132549
₽142461
₽101560
₽123644
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
191 000
work injury
-
-
-
803
health insurance
-
-
-
11 886
income
-
-
-
31 704
pensions
-
-
-
29 554
unemployment
-
-
-
1 927
total
-
-
-
75 874
Employee

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

21 706
-
191 000
-
work injury
109
-
402
-
income
2 171
-
31 704
-
pensions
3 994
-
14 777
-
health insurance
1 606
-
5 943
-
unemployment
260
-
964
-
total
8 140
-
53 790
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
169 294
191 000
-
-
income

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

1 693
19 100
-
-
total
1 693
19 100
-
-
Dividends
167 601
171 900
-
-
withholding
25 140
25 785
-
-
total
25 140
25 785
-
-
Income
191 000
191 000
191 000
191 000
Total tax
34 973
44 885
53 790
75 874
After tax
156 027
146 115
137 210
115 126
Living cost
13 566
13 566
13 566
13 566
Free-cash
142 461
132 549
123 644
101 560

Estimated living cost  is ₽13566 per week

₽8404
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽986
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽423
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3753
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Skopje model

Close
Rome , Italy
₽60589
₽56021
₽48181
₽39798
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
191 000
municipal
-
-
-
1 277
regional
-
-
-
4 391
national
-
-
-
48 009
social contributions
-
-
-
49 126
total
-
-
-
102 803
Employee
84 643
-
191 000
-
social contributions
28 541
-
64 406
-
regional
1 278
-
3 897
-
municipal
505
-
1 140
-
national
14 304
-
41 743
-
total
44 628
-
111 186
-
Employer
84 643
-
191 000
-
total
-
-
-
-
Corporate
106 357
191 000
-
-
nationa
25 526
45 840
-
-
municipal
5 126
9 207
-
-
total
30 652
55 047
-
-
Dividends
75 706
135 954
-
-
withholding
19 683
35 348
-
-
total
19 683
35 348
-
-
Income
191 000
191 000
191 000
191 000
Total tax
94 963
90 395
111 186
102 803
After tax
96 037
100 605
79 814
88 197
Living cost
40 016
40 016
40 016
40 016
Free-cash
56 021
60 589
39 798
48 181

Estimated living cost  is ₽40016 per week

₽28108
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2753
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽604
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8549
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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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