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
₽ 21000
per

Your estimated
City
free-cash

Dresden , Germany
-₽15145
-₽14079
-₽17795
-₽14079
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
21 000
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.

-
-
-
6 456
trade
-
-
-
-
income

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

-
-
-
-
surtax

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

-
-
-
-
total
-
-
-
6 456
Employee

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

36 144
-
21 000
-
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.

6 456
-
6 456
-
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.

1 010
-
-
-
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.

56
-
-
-
total
7 522
-
6 456
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
21 000
-
-
income
-
3 151
-
-
chamber of commerce
-
174
-
-
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.

-
174
-
-
trade
-
3 307
-
-
total
-
6 806
-
-
Dividends
-
14 195
-
-
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.

-
176
-
-
withholding
-
3 190
-
-
total
-
3 366
-
-
Income
21 000
21 000
21 000
21 000
Total tax
7 522
10 172
6 456
6 456
After tax
13 478
10 828
14 544
14 544
Living cost
28 623
28 623
28 623
28 623
Free-cash
-15 145
-17 795
-14 079
-14 079

Estimated living cost  is ₽28623 per week

₽18004
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3337
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽534
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6746
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽62236
-₽33963
-₽36123
-₽34129
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
social contributions
-
-
-
226
municipal
-
-
-
1 238
pensions
-
-
-
2 520
national
-
-
-
1 918
total
-
-
-
5 902
Employee
76 311
-
18 154
-
pensions
3 052
-
726
-
municipal
9 426
-
1 319
-
national
14 606
-
2 044
-
total
27 084
-
4 089
-
Employer
76 311
-
18 154
-
pensions
6 105
-
1 452
-
social contributions
820
-
195
-
total
6 925
-
1 647
-
Corporate
-
21 000
-
-
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%.

-
4 200
-
-
total
-
4 200
-
-
Dividends
-
16 800
-
-
withholding
-
3 696
-
-
total
-
3 696
-
-
Income
21 000
21 000
21 000
21 000
Total tax
34 009
7 896
5 736
5 902
After tax
-13 009
13 104
15 264
15 098
Living cost
49 227
49 227
49 227
49 227
Free-cash
-62 236
-36 123
-33 963
-34 129

Estimated living cost  is ₽49227 per week

₽33459
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4576
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽737
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10455
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽13264
-₽7610
-₽2860
-₽4786
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
21 000
social contributions

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

-
-
-
2 975
income
-
-
-
-
surtax
-
-
-
-
microenterprise
-
-
-
3 151
total
-
-
-
6 126
Employee
27 613
-
16 924
-
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.

3 038
-
1 861
-
income
4 915
-
3 013
-
surtax
-
-
-
-
total
7 953
-
4 874
-
Employer
27 613
-
16 924
-
surtax
-
-
-
-
social contributions

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

6 651
-
4 076
-
total
6 651
-
4 076
-
Corporate
-
21 000
-
-
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%.

-
4 200
-
-
total
-
4 200
-
-
Dividends

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

-
16 800
-
-
total
-
-
-
-
Income
21 000
21 000
21 000
21 000
Total tax
14 604
4 200
8 950
6 126
After tax
6 396
16 800
12 050
14 874
Living cost
19 660
19 660
19 660
19 660
Free-cash
-13 264
-2 860
-7 610
-4 786

Estimated living cost  is ₽19660 per week

₽12542
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1872
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽447
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4799
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽72838
-₽72838
-₽67533
-₽27479
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
health
-
-
-
3 223
income
-
-
-
1 890
pensions
-
-
-
3 780
total
-
-
-
8 893
Employee
80 697
80 697
80 697
-
pensions
14 526
11 072
14 526
-
health
12 386
10 535
12 386
-
income

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

13 209
13 209
13 209
-
total
40 121
34 816
40 121
-
Employer
80 697
80 697
80 697
-
pensions
5 617
5 617
5 617
-
health
5 609
5 609
5 609
-
unemployment
2 905
2 905
2 905
-
total
14 131
14 131
14 131
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
21 000
21 000
21 000
21 000
Total tax
54 252
48 947
54 252
8 893
After tax
-33 252
-27 947
-33 252
12 107
Living cost
39 586
39 586
39 586
39 586
Free-cash
-72 838
-67 533
-72 838
-27 479

Estimated living cost  is ₽39586 per week

₽28054
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3569
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽629
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7334
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽51341
-₽27418
-₽27166
-₽28163
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
accident
-
-
-
42
health
-
-
-
1 310
municipal
-
-
-
4 448
pensions
-
-
-
2 270
other
-
-
-
2 440
unemployment
-
-
-
21
national
-
-
-
-
total
-
-
-
10 531
Employee
55 046
-
15 979
-
municipal
16 415
-
4 765
-
national
-
-
-
-
total
16 415
-
4 765
-
Employer
55 046
-
15 979
-
pensions
5 950
-
1 727
-
other
6 396
-
1 857
-
health
3 385
-
983
-
unemployment
1 453
-
422
-
accident
110
-
32
-
total
17 294
-
5 021
-
Corporate
-
21 000
-
-
income
-
4 620
-
-
total
-
4 620
-
-
Dividends
-
16 380
-
-
withholding
-
4 914
-
-
total
-
4 914
-
-
Income
21 000
21 000
21 000
21 000
Total tax
33 709
9 534
9 786
10 531
After tax
-12 709
11 466
11 214
10 469
Living cost
38 632
38 632
38 632
38 632
Free-cash
-51 341
-27 166
-27 418
-28 163

Estimated living cost  is ₽38632 per week

₽25603
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3791
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.
₽8651
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽26922
-₽22579
-₽26403
-₽22579
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
21 000
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.

-
-
-
6 456
trade
-
-
-
-
income

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

-
-
-
-
surtax

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

-
-
-
-
total
-
-
-
6 456
Employee

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

47 922
-
21 000
-
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.

6 456
-
6 456
-
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.

4 117
-
-
-
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.

226
-
-
-
total
10 799
-
6 456
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
21 000
-
-
income
-
3 151
-
-
chamber of commerce
-
174
-
-
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.

-
174
-
-
trade
-
3 454
-
-
total
-
6 953
-
-
Dividends
-
14 047
-
-
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.

-
174
-
-
withholding
-
3 153
-
-
total
-
3 327
-
-
Income
21 000
21 000
21 000
21 000
Total tax
10 799
10 280
6 456
6 456
After tax
10 201
10 720
14 544
14 544
Living cost
37 123
37 123
37 123
37 123
Free-cash
-26 922
-26 403
-22 579
-22 579

Estimated living cost  is ₽37123 per week

₽24828
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3915
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽554
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7826
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽25852
-₽22758
-₽31020
-₽16170
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 924
social contributions
-
-
-
5 604
health
-
-
-
916
income
-
-
-
-
total
-
-
-
6 520
Employee
72 664
72 664
72 664
-
health
723
1 236
416
-
social contributions
3 531
6 031
2 034
-
income
7 630
6 727
8 170
-
total
11 884
13 994
10 620
-
Employer
72 664
72 664
72 664
-
health
787
1 345
454
-
social contributions
3 531
6 031
2 034
-
total
4 318
7 376
2 488
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
21 000
21 000
21 000
21 000
Total tax
16 202
21 370
13 108
6 520
After tax
4 798
-370
7 892
14 480
Living cost
30 650
30 650
30 650
30 650
Free-cash
-25 852
-31 020
-22 758
-16 170

Estimated living cost  is ₽30650 per week

₽20953
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2394
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.
₽6789
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽8885
-₽5150
-₽5220
-₽2776
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
health
-
-
-
1 470
income
-
-
-
2 567
pensions
-
-
-
2 100
unemployment
-
-
-
315
total
-
-
-
6 452
Employee

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

The minimum wage is 138,000 HUF per month.

25 008
9 953
17 573
-
unemployment
375
149
264
-
pensions
2 501
995
1 757
-
health
1 751
697
1 230
-
income
3 057
1 217
2 148
-
total
7 684
3 058
5 399
-
Employer

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

The minimum wage is 138,000 HUF per month.

25 008
9 953
17 573
-
pensions
4 877
1 941
3 427
-
total
4 877
1 941
3 427
-
Corporate
-
9 106
-
-
income
-
820
-
-
total
-
820
-
-
Dividends
-
8 287
-
-
social contributions
-
1 502
-
-
withholding
-
1 575
-
-
total
-
3 077
-
-
Income
21 000
21 000
21 000
21 000
Total tax
12 561
8 896
8 826
6 452
After tax
8 439
12 104
12 174
14 548
Living cost
17 324
17 324
17 324
17 324
Free-cash
-8 885
-5 220
-5 150
-2 776

Estimated living cost  is ₽17324 per week

₽11822
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1417
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽346
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3738
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽14869
-₽8568
-₽6025
-₽9416
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
health
-
-
-
2 729
income
-
-
-
662
pensions
-
-
-
4 200
total
-
-
-
7 591
Employee
26 808
-
15 695
-
unemployment
429
-
251
-
pensions
536
-
314
-
income
3 018
-
873
-
total
3 983
-
1 438
-
Employer
26 808
-
15 695
-
pensions
5 362
-
3 138
-
health
3 484
-
2 041
-
unemployment
215
-
126
-
total
9 061
-
5 305
-
Corporate
-
21 000
-
-
income
-
4 200
-
-
total
-
4 200
-
-
Dividends
-
16 800
-
-
total
-
-
-
-
Income
21 000
21 000
21 000
21 000
Total tax
13 044
4 200
6 743
7 591
After tax
7 956
16 800
14 257
13 409
Living cost
22 825
22 825
22 825
22 825
Free-cash
-14 869
-6 025
-8 568
-9 416

Estimated living cost  is ₽22825 per week

₽15655
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1359
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽459
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5351
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽18639
-₽9841
-₽19232
-₽9110
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
accident
-
-
-
240
health
-
-
-
2 075
income
-
-
-
2 551
pensions
-
-
-
3 959
other
-
-
-
353
total
-
-
-
9 178
Employee
32 928
-
17 445
-
pensions
3 708
-
1 964
-
health
3 770
-
1 997
-
income
4 517
-
2 393
-
total
11 995
-
6 354
-
Employer
32 928
-
17 445
-
pensions
5 354
-
2 836
-
unemployment
807
-
427
-
accident
550
-
291
-
total
6 711
-
3 554
-
Corporate
-
21 000
-
-
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.

-
18 900
-
-
total
-
18 900
-
-
Dividends
-
2 100
-
-
withholding
-
399
-
-
total
-
399
-
-
Income
21 000
21 000
21 000
21 000
Total tax
18 706
19 299
9 908
9 178
After tax
2 294
1 701
11 092
11 822
Living cost
20 932
20 932
20 932
20 932
Free-cash
-18 639
-19 232
-9 841
-9 110

Estimated living cost  is ₽20932 per week

₽15342
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1160
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽437
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3995
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽10749
₽9052
₽12202
₽13042
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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%.

-
-
-
21 000
microenterprise

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

-
-
-
210
total
-
-
-
210
Employee
9 684
-
21 000
-
income
1 937
-
4 200
-
total
1 937
-
4 200
-
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%.

11 316
21 000
-
-
total
-
-
-
-
Dividends
11 316
21 000
-
-
withholding
566
1 050
-
-
total
566
1 050
-
-
Income
21 000
21 000
21 000
21 000
Total tax
2 503
1 050
4 200
210
After tax
18 497
19 950
16 800
20 790
Living cost
7 748
7 748
7 748
7 748
Free-cash
10 749
12 202
9 052
13 042

Estimated living cost  is ₽7748 per week

₽4801
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽644
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽213
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2089
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽21960
-₽12872
-₽9752
-₽13809
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
health
-
-
-
924
income
-
-
-
2 667
pensions

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

-
-
-
5 041
other
-
-
-
997
total
-
-
-
9 629
Employee
34 311
-
16 773
-
unemployment
343
-
169
-
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.

2 401
-
1 175
-
health
481
-
235
-
income
5 907
-
2 887
-
total
9 132
-
4 466
-
Employer
34 311
-
16 773
-
pensions

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

5 834
-
2 851
-
other
1 716
-
837
-
health
481
-
235
-
unemployment
343
-
169
-
accident
274
-
134
-
total
8 648
-
4 226
-
Corporate
-
21 000
-
-
income
-
4 410
-
-
total
-
4 410
-
-
Dividends
-
16 590
-
-
withholding
-
1 162
-
-
total
-
1 162
-
-
Income
21 000
21 000
21 000
21 000
Total tax
17 780
5 572
8 692
9 629
After tax
3 220
15 428
12 308
11 371
Living cost
25 180
25 180
25 180
25 180
Free-cash
-21 960
-9 752
-12 872
-13 809

Estimated living cost  is ₽25180 per week

₽17791
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1700
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽405
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5283
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽78358
-₽46318
-₽46025
-₽45239
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
income
-
-
-
4 131
pensions
-
-
-
348
total
-
-
-
4 479
Employee
87 381
-
19 656
-
pensions
8 430
-
303
-
health
1 440
-
51
-
income
15 751
-
3 860
-
total
25 621
-
4 214
-
Employer
87 381
-
19 656
-
pensions
10 317
-
970
-
health
1 660
-
374
-
total
11 977
-
1 344
-
Corporate
-
21 000
-
-
income

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

-
3 990
-
-
total
-
3 990
-
-
Dividends
-
17 010
-
-
withholding
-
1 275
-
-
total
-
1 275
-
-
Income
21 000
21 000
21 000
21 000
Total tax
37 598
5 265
5 558
4 479
After tax
-16 598
15 735
15 442
16 521
Living cost
61 760
61 760
61 760
61 760
Free-cash
-78 358
-46 025
-46 318
-45 239

Estimated living cost  is ₽61760 per week

₽46278
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽7256
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽502
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7724
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
₽1280
₽944
₽5642
-₽71
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
health
-
-
-
2 416
income
-
-
-
3 150
pensions

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

-
-
-
3 108
unemployment
-
-
-
84
total
-
-
-
8 758
Employee
16 304
-
17 555
-
accident

We are using the highest rate at 1.1%.

180
-
193
-
pensions

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

1 432
-
1 541
-
health
750
-
807
-
income
1 630
-
1 756
-
total
3 992
-
4 297
-
Employer
16 304
-
17 555
-
pensions

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

1 797
-
1 935
-
health
1 125
-
1 212
-
unemployment
97
-
106
-
accident

We are using the highest rate at 1.1%.

180
-
193
-
total
3 199
-
3 446
-
Corporate
1 497
21 000
-
-
income
149
2 100
-
-
total
149
2 100
-
-
Dividends
1 347
18 900
-
-
withholding
67
945
-
-
total
67
945
-
-
Income
21 000
21 000
21 000
21 000
Total tax
7 407
3 045
7 743
8 758
After tax
13 593
17 955
13 257
12 242
Living cost
12 313
12 313
12 313
12 313
Free-cash
1 280
5 642
944
-71

Estimated living cost  is ₽12313 per week

₽7189
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽879
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽326
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3919
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽81950
-₽85652
-₽80347
-₽40293
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
health
-
-
-
3 223
income
-
-
-
1 890
pensions
-
-
-
3 780
total
-
-
-
8 893
Employee
87 611
80 697
80 697
-
pensions
11 072
11 072
14 526
-
health
10 930
10 535
12 386
-
income

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

13 209
13 209
13 209
-
total
35 211
34 816
40 121
-
Employer
87 611
80 697
80 697
-
pensions
6 097
5 617
5 617
-
health
6 088
5 609
5 609
-
unemployment
3 154
2 905
2 905
-
total
15 339
14 131
14 131
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
21 000
21 000
21 000
21 000
Total tax
50 550
48 947
54 252
8 893
After tax
-29 550
-27 947
-33 252
12 107
Living cost
52 400
52 400
52 400
52 400
Free-cash
-81 950
-80 347
-85 652
-40 293

Estimated living cost  is ₽52400 per week

₽38654
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4680
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽601
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8466
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽24994
-₽12684
-₽8882
-₽13112
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
social contributions
-
-
-
6 132
health
-
-
-
2 835
income
-
-
-
1 805
solidarity contribution
-
-
-
-
total
-
-
-
10 772
Employee
34 323
-
15 672
-
solidarity contribution
-
-
-
-
health
4 634
-
2 116
-
social contributions
2 231
-
1 019
-
income
4 119
-
1 881
-
total
10 984
-
5 016
-
Employer
34 323
-
15 672
-
health
3 089
-
1 410
-
social contributions
8 581
-
3 918
-
total
11 670
-
5 328
-
Corporate
-
21 000
-
-
income
-
3 990
-
-
total
-
3 990
-
-
Dividends
-
17 010
-
-
withholding
-
2 552
-
-
total
-
2 552
-
-
Income
21 000
21 000
21 000
21 000
Total tax
22 654
6 542
10 344
10 772
After tax
-1 654
14 458
10 656
10 228
Living cost
23 340
23 340
23 340
23 340
Free-cash
-24 994
-8 882
-12 684
-13 112

Estimated living cost  is ₽23340 per week

₽16212
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1660
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽459
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5008
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽62983
-₽31329
-₽28672
-₽29622
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
social contributions
-
-
-
7 324
municipal
-
-
-
109
regional
-
-
-
169
national
-
-
-
3 145
total
-
-
-
10 747
Employee
83 984
-
21 000
-
regional
792
-
140
-
municipal
445
-
91
-
national
14 552
-
2 622
-
social contributions
28 319
-
9 601
-
total
44 108
-
12 454
-
Employer
83 984
-
21 000
-
total
-
-
-
-
Corporate
-
21 000
-
-
municipal
-
820
-
-
nationa
-
5 041
-
-
total
-
5 861
-
-
Dividends
-
15 140
-
-
withholding
-
3 936
-
-
total
-
3 936
-
-
Income
21 000
21 000
21 000
21 000
Total tax
44 108
9 797
12 454
10 747
After tax
-23 108
11 203
8 546
10 253
Living cost
39 875
39 875
39 875
39 875
Free-cash
-62 983
-28 672
-31 329
-29 622

Estimated living cost  is ₽39875 per week

₽27796
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2615
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽612
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8852
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽16827
-₽9220
-₽7644
-₽8775
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
health
-
-
-
1 490
income
-
-
-
3 018
surtax
-
-
-
-
pensions
-
-
-
4 200
other
-
-
-
-
unemployment
-
-
-
215
total
-
-
-
8 923
Employee
31 250
-
17 347
-
unemployment
2 175
-
1 207
-
pensions
2 084
-
1 157
-
health
798
-
443
-
income
5 238
-
2 909
-
other
-
-
-
-
surtax
102
-
-
-
total
10 397
-
5 716
-
Employer
31 250
-
17 347
-
pensions
4 166
-
2 312
-
other
-
-
-
-
health
1 422
-
789
-
unemployment
990
-
551
-
total
6 578
-
3 652
-
Corporate
-
21 000
-
-
income
-
5 461
-
-
total
-
5 461
-
-
Dividends
-
15 539
-
-
withholding
-
2 331
-
-
total
-
2 331
-
-
Income
21 000
21 000
21 000
21 000
Total tax
16 975
7 792
9 368
8 923
After tax
4 025
13 208
11 632
12 077
Living cost
20 852
20 852
20 852
20 852
Free-cash
-16 827
-7 644
-9 220
-8 775

Estimated living cost  is ₽20852 per week

₽12750
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1924
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.
₽5697
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽45011
-₽26751
-₽26458
-₽25672
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
income
-
-
-
4 131
pensions
-
-
-
348
total
-
-
-
4 479
Employee
58 560
-
19 656
-
pensions
4 970
-
303
-
health
850
-
51
-
income
10 547
-
3 860
-
total
16 367
-
4 214
-
Employer
58 560
-
19 656
-
pensions
6 339
-
970
-
health
1 112
-
374
-
total
7 451
-
1 344
-
Corporate
-
21 000
-
-
income

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

-
3 990
-
-
total
-
3 990
-
-
Dividends
-
17 010
-
-
withholding
-
1 275
-
-
total
-
1 275
-
-
Income
21 000
21 000
21 000
21 000
Total tax
23 818
5 265
5 558
4 479
After tax
-2 818
15 735
15 442
16 521
Living cost
42 193
42 193
42 193
42 193
Free-cash
-45 011
-26 458
-26 751
-25 672

Estimated living cost  is ₽42193 per week

₽31611
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3162
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽441
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6978
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽74763
-₽59439
-₽65110
-₽56638
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
health
-
-
-
244
pensions
-
-
-
1 932
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.

-
-
-
420
regional
-
-
-
111
city
-
-
-
219
national
-
-
-
-
total
-
-
-
2 926
Employee
87 432
-
17 874
-
unemployment
-
-
-
-
pensions
7 346
-
2 533
-
regional
2 863
-
44
-
national
414
-
-
-
health
198
-
40
-
city
938
-
180
-
total
11 759
-
2 797
-
Employer
87 432
-
17 874
-
pensions
7 346
-
2 533
-
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.

1 748
-
357
-
health
198
-
40
-
unemployment
-
-
-
-
total
9 292
-
2 930
-
Corporate
-
21 000
-
-
regional
-
4 442
-
-
national
-
1 785
-
-
total
-
6 227
-
-
Dividends
-
14 773
-
-
withholding
-
5 171
-
-
total
-
5 171
-
-
Income
21 000
21 000
21 000
21 000
Total tax
21 051
11 398
5 727
2 926
After tax
-51
9 602
15 273
18 074
Living cost
74 712
74 712
74 712
74 712
Free-cash
-74 763
-65 110
-59 439
-56 638

Estimated living cost  is ₽74712 per week

₽48584
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6705
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽917
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽18506
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽35792
-₽28746
-₽32677
-₽28746
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
21 000
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.

-
-
-
6 456
trade
-
-
-
-
income

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

-
-
-
-
surtax

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

-
-
-
-
total
-
-
-
6 456
Employee

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

56 791
-
21 000
-
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.

6 456
-
6 456
-
income

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

6 678
-
-
-
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.

368
-
-
-
total
13 502
-
6 456
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
21 000
-
-
income
-
3 151
-
-
chamber of commerce
-
172
-
-
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.

-
174
-
-
trade
-
3 601
-
-
total
-
7 098
-
-
Dividends
-
13 902
-
-
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.

-
172
-
-
withholding
-
3 117
-
-
total
-
3 289
-
-
Income
21 000
21 000
21 000
21 000
Total tax
13 502
10 387
6 456
6 456
After tax
7 498
10 613
14 544
14 544
Living cost
43 290
43 290
43 290
43 290
Free-cash
-35 792
-32 677
-28 746
-28 746

Estimated living cost  is ₽43290 per week

₽31617
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3463
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽563
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7648
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽32074
-₽18594
-₽21746
-₽19788
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
social contributions
-
-
-
599
health
-
-
-
253
income
-
-
-
-
surtax
-
-
-
-
pensions
-
-
-
6 954
other
-
-
-
651
total
-
-
-
8 457
Employee
40 444
-
16 002
-
pensions
4 573
-
1 811
-
social contributions
1 153
-
455
-
income
2 387
-
-
-
surtax
-
-
-
-
total
8 113
-
2 266
-
Employer
40 444
-
16 002
-
pensions
6 644
-
2 629
-
other
1 395
-
552
-
health
2 832
-
1 121
-
unemployment
1 637
-
647
-
social contributions
122
-
48
-
total
12 630
-
4 997
-
Corporate
-
21 000
-
-
income
-
5 880
-
-
surtax
-
-
-
-
total
-
5 880
-
-
Dividends
-
15 120
-
-
surtax
-
-
-
-
social contributions
-
2 600
-
-
withholding
-
1 935
-
-
total
-
4 535
-
-
Income
21 000
21 000
21 000
21 000
Total tax
20 743
10 415
7 263
8 457
After tax
257
10 585
13 737
12 543
Living cost
32 331
32 331
32 331
32 331
Free-cash
-32 074
-21 746
-18 594
-19 788

Estimated living cost  is ₽32331 per week

₽20386
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2629
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽551
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8767
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽26376
-₽15391
-₽18543
-₽16585
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
social contributions
-
-
-
599
health
-
-
-
253
income
-
-
-
-
surtax
-
-
-
-
pensions
-
-
-
6 954
other
-
-
-
651
total
-
-
-
8 457
Employee
36 102
-
16 002
-
pensions
4 083
-
1 811
-
social contributions
1 029
-
455
-
income
1 861
-
-
-
surtax
-
-
-
-
total
6 973
-
2 266
-
Employer
36 102
-
16 002
-
pensions
5 932
-
2 629
-
other
1 246
-
552
-
health
2 527
-
1 121
-
unemployment
1 462
-
647
-
social contributions
108
-
48
-
total
11 275
-
4 997
-
Corporate
-
21 000
-
-
income
-
5 880
-
-
surtax
-
-
-
-
total
-
5 880
-
-
Dividends
-
15 120
-
-
surtax
-
-
-
-
social contributions
-
2 600
-
-
withholding
-
1 935
-
-
total
-
4 535
-
-
Income
21 000
21 000
21 000
21 000
Total tax
18 248
10 415
7 263
8 457
After tax
2 752
10 585
13 737
12 543
Living cost
29 128
29 128
29 128
29 128
Free-cash
-26 376
-18 543
-15 391
-16 585

Estimated living cost  is ₽29128 per week

₽16893
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2959
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽552
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8724
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽13522
-₽9114
-₽7227
-₽6552
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
social contributions
-
-
-
2 898
health
-
-
-
1 465
income
-
-
-
3 151
total
-
-
-
7 514
Employee
32 040
-
21 000
-
health
2 236
-
1 465
-
social contributions
4 422
-
2 898
-
income
5 344
-
5 713
-
total
12 002
-
10 076
-
Employer
32 040
-
21 000
-
total
-
-
-
-
Corporate
-
21 000
-
-
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%.

-
1 051
-
-
total
-
1 051
-
-
Dividends
-
19 949
-
-
health
834
1 392
-
-
social contributions
1 648
2 753
-
-
withholding
-
2 993
-
-
total
2 482
7 138
-
-
Income
21 000
21 000
21 000
21 000
Total tax
14 484
8 189
10 076
7 514
After tax
6 516
12 811
10 924
13 486
Living cost
20 038
20 038
20 038
20 038
Free-cash
-13 522
-7 227
-9 114
-6 552

Estimated living cost  is ₽20038 per week

₽13410
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1236
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽461
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4930
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽40898
-₽28021
-₽33820
-₽23855
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
health
-
-
-
1 607
surtax
-
-
-
187
income
-
-
-
-
chamber of commerce
-
-
-
84
pensions
-
-
-
3 884
unemployment
-
-
-
5 796
total
-
-
-
11 558
Employee
47 226
37 659
37 659
-
unemployment
1 417
1 130
447
-
pensions
4 836
3 856
1 522
-
health
1 827
1 458
576
-
income
5 376
2 778
4 078
-
other
472
377
149
-
total
13 928
9 599
6 772
-
Employer
47 226
37 659
37 659
-
chamber of commerce
188
151
151
-
pensions
5 927
4 727
1 867
-
other
2 243
1 788
1 594
-
health
1 784
1 424
561
-
unemployment
1 417
1 130
447
-
accident
613
490
194
-
surtax
187
187
187
-
payroll
1 417
1 130
1 130
-
total
13 776
11 027
6 131
-
Corporate
3 587
3 587
11 284
-
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.

897
897
2 821
-
total
897
897
2 821
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
21 000
21 000
21 000
21 000
Total tax
28 601
21 523
15 724
11 558
After tax
-7 601
-523
5 276
9 442
Living cost
33 297
33 297
33 297
33 297
Free-cash
-40 898
-33 820
-28 021
-23 855

Estimated living cost  is ₽33297 per week

₽22208
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2841
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.
₽7702
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽66272
-₽24698
-₽22409
-₽23402
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
social contributions
-
-
-
4 982
communal

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

-
-
-
961
national
-
-
-
4 004
total
-
-
-
9 947
Employee

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

67 595
-
16 266
-
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.

588
-
142
-
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.

5 070
-
1 219
-
national
20 781
-
3 535
-
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.

3 176
-
764
-
communal

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

3 526
-
848
-
total
33 141
-
6 508
-
Employer

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

67 595
-
16 266
-
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.

5 990
-
1 442
-
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.

4 157
-
1 001
-
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.

986
-
237
-
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.

879
-
212
-
surtax
7 664
-
1 843
-
total
19 676
-
4 735
-
Corporate
-
21 000
-
-
income
-
4 200
-
-
surtax
-
84
-
-
total
-
4 284
-
-
Dividends
-
16 716
-
-
withholding

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

-
4 670
-
-
total
-
4 670
-
-
Income
21 000
21 000
21 000
21 000
Total tax
52 817
8 954
11 243
9 947
After tax
-31 817
12 046
9 757
11 053
Living cost
34 455
34 455
34 455
34 455
Free-cash
-66 272
-22 409
-24 698
-23 402

Estimated living cost  is ₽34455 per week

₽22194
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3013
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽540
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8710
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽41034
-₽26890
-₽19811
-₽22221
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
accident
-
-
-
188
income
-
-
-
2 794
pensions
-
-
-
5 943
other
-
-
-
22
unemployment
-
-
-
147
total
-
-
-
9 094
Employee
47 039
-
10 940
-
unemployment
730
-
490
-
pensions
2 211
-
1 483
-
income
9 925
-
1 698
-
other
47
-
32
-
total
12 913
-
3 703
-
Employer
47 039
-
10 940
-
pensions
11 100
-
7 447
-
other
375
-
253
-
unemployment
2 588
-
1 736
-
accident
931
-
624
-
total
14 994
-
10 060
-
Corporate
-
21 000
-
-
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.

-
3 151
-
-
total
-
3 151
-
-
Dividends
-
17 849
-
-
withholding
-
3 533
-
-
total
-
3 533
-
-
Income
21 000
21 000
21 000
21 000
Total tax
27 907
6 684
13 763
9 094
After tax
-6 907
14 316
7 237
11 906
Living cost
34 127
34 127
34 127
34 127
Free-cash
-41 034
-19 811
-26 890
-22 221

Estimated living cost  is ₽34127 per week

₽25131
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2421
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽491
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6083
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽59111
-₽42027
-₽36988
-₽42026
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
accident
-
-
-
405
health
-
-
-
3 371
income
-
-
-
-
surtax
-
-
-
701
pensions
-
-
-
7 195
communal
-
-
-
-
total
-
-
-
11 672
Employee
71 562
-
15 626
-
pensions
5 724
-
3 597
-
health
3 185
-
2 001
-
income
6 912
-
-
-
surtax
4 386
-
701
-
total
20 207
-
6 299
-
Employer
71 562
-
15 626
-
pensions
5 724
-
3 597
-
health
2 182
-
1 372
-
accident
644
-
405
-
total
8 550
-
5 374
-
Corporate
-
21 000
-
-
income
-
3 151
-
-
communal
-
-
-
-
surtax
-
221
-
-
total
-
3 372
-
-
Dividends
-
17 629
-
-
income
-
617
-
-
withholding
-
2 645
-
-
total
-
3 262
-
-
Income
21 000
21 000
21 000
21 000
Total tax
28 757
6 634
11 673
11 672
After tax
-7 757
14 366
9 327
9 328
Living cost
51 354
51 354
51 354
51 354
Free-cash
-59 111
-36 988
-42 027
-42 026

Estimated living cost  is ₽51354 per week

₽38523
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3111
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽543
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9174
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽17523
-₽9593
-₽8017
-₽9148
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
health
-
-
-
1 490
income
-
-
-
3 018
surtax
-
-
-
-
pensions
-
-
-
4 200
other
-
-
-
-
unemployment
-
-
-
215
total
-
-
-
8 923
Employee
31 824
-
17 347
-
unemployment
2 215
-
1 207
-
pensions
2 123
-
1 157
-
health
812
-
443
-
income
5 335
-
2 909
-
other
-
-
-
-
surtax
113
-
-
-
total
10 598
-
5 716
-
Employer
31 824
-
17 347
-
pensions
4 243
-
2 312
-
other
-
-
-
-
health
1 447
-
789
-
unemployment
1 010
-
551
-
total
6 700
-
3 652
-
Corporate
-
21 000
-
-
income
-
5 461
-
-
total
-
5 461
-
-
Dividends
-
15 539
-
-
withholding
-
2 331
-
-
total
-
2 331
-
-
Income
21 000
21 000
21 000
21 000
Total tax
17 298
7 792
9 368
8 923
After tax
3 702
13 208
11 632
12 077
Living cost
21 225
21 225
21 225
21 225
Free-cash
-17 523
-8 017
-9 593
-9 148

Estimated living cost  is ₽21225 per week

₽12815
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1845
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽493
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6074
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽31421
-₽17001
-₽14420
-₽15312
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
social contributions
-
-
-
7 324
municipal
-
-
-
109
regional
-
-
-
278
national
-
-
-
3 145
total
-
-
-
10 856
Employee
52 419
-
21 000
-
regional
706
-
231
-
municipal
278
-
91
-
national
8 305
-
2 622
-
social contributions
17 676
-
9 601
-
total
26 965
-
12 545
-
Employer
52 419
-
21 000
-
total
-
-
-
-
Corporate
-
21 000
-
-
municipal
-
1 044
-
-
nationa
-
5 041
-
-
total
-
6 085
-
-
Dividends
-
14 915
-
-
withholding
-
3 879
-
-
total
-
3 879
-
-
Income
21 000
21 000
21 000
21 000
Total tax
26 965
9 964
12 545
10 856
After tax
-5 965
11 036
8 455
10 144
Living cost
25 456
25 456
25 456
25 456
Free-cash
-31 421
-14 420
-17 001
-15 312

Estimated living cost  is ₽25456 per week

₽15831
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2579
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽436
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6610
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽35676
-₽18105
-₽14303
-₽18533
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
social contributions
-
-
-
6 132
health
-
-
-
2 835
income
-
-
-
1 805
solidarity contribution
-
-
-
-
total
-
-
-
10 772
Employee
42 295
-
15 672
-
solidarity contribution
-
-
-
-
health
5 710
-
2 116
-
social contributions
2 749
-
1 019
-
income
5 075
-
1 881
-
total
13 534
-
5 016
-
Employer
42 295
-
15 672
-
health
3 807
-
1 410
-
social contributions
10 574
-
3 918
-
total
14 381
-
5 328
-
Corporate
-
21 000
-
-
income
-
3 990
-
-
total
-
3 990
-
-
Dividends
-
17 010
-
-
withholding
-
2 552
-
-
total
-
2 552
-
-
Income
21 000
21 000
21 000
21 000
Total tax
27 915
6 542
10 344
10 772
After tax
-6 915
14 458
10 656
10 228
Living cost
28 761
28 761
28 761
28 761
Free-cash
-35 676
-14 303
-18 105
-18 533

Estimated living cost  is ₽28761 per week

₽21388
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1593
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.
₽5282
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽33091
-₽24773
-₽30484
-₽20519
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
health
-
-
-
1 607
surtax
-
-
-
-
income
-
-
-
-
chamber of commerce
-
-
-
84
pensions
-
-
-
3 884
unemployment
-
-
-
5 796
total
-
-
-
11 371
Employee
41 308
37 659
37 659
-
unemployment
1 239
1 130
450
-
pensions
4 230
3 856
1 539
-
health
1 598
1 458
581
-
income
3 680
2 778
4 069
-
other
412
377
151
-
total
11 159
9 599
6 790
-
Employer
41 308
37 659
37 659
-
chamber of commerce
165
151
151
-
pensions
5 184
4 727
1 885
-
other
1 962
1 788
1 596
-
health
1 562
1 424
568
-
unemployment
1 239
1 130
450
-
accident
536
490
195
-
surtax
-
-
-
-
payroll
1 239
1 130
1 130
-
total
11 887
10 840
5 975
-
Corporate
3 587
3 587
11 438
-
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.

897
897
2 860
-
total
897
897
2 860
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
21 000
21 000
21 000
21 000
Total tax
23 943
21 336
15 625
11 371
After tax
-2 943
-336
5 375
9 629
Living cost
30 148
30 148
30 148
30 148
Free-cash
-33 091
-30 484
-24 773
-20 519

Estimated living cost  is ₽30148 per week

₽18085
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3079
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽538
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8446
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽5613
₽4727
₽7877
₽8717
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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%.

-
-
-
21 000
microenterprise

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

-
-
-
210
total
-
-
-
210
Employee
15 092
-
21 000
-
income
3 018
-
4 200
-
total
3 018
-
4 200
-
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%.

5 908
21 000
-
-
total
-
-
-
-
Dividends
5 908
21 000
-
-
withholding
296
1 050
-
-
total
296
1 050
-
-
Income
21 000
21 000
21 000
21 000
Total tax
3 314
1 050
4 200
210
After tax
17 686
19 950
16 800
20 790
Living cost
12 073
12 073
12 073
12 073
Free-cash
5 613
7 877
4 727
8 717

Estimated living cost  is ₽12073 per week

₽8170
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽507
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽405
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2991
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽27293
-₽13456
-₽10888
-₽12766
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
21 000
health
-
-
-
2 068
income
-
-
-
2 484
pensions
-
-
-
3 836
unemployment
-
-
-
32
total
-
-
-
8 420
Employee

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

41 787
-
18 170
-
unemployment
59
-
25
-
pensions
6 477
-
2 817
-
health
2 699
-
1 173
-
income
7 206
-
2 265
-
total
16 441
-
6 280
-
Employer

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

41 787
-
18 170
-
pensions
3 698
-
1 609
-
health
2 783
-
1 210
-
unemployment
25
-
11
-
total
6 506
-
2 830
-
Corporate
-
21 000
-
-
income
-
3 990
-
-
total
-
3 990
-
-
Dividends
-
17 010
-
-
withholding
-
2 552
-
-
total
-
2 552
-
-
Income
21 000
21 000
21 000
21 000
Total tax
22 947
6 542
9 110
8 420
After tax
-1 947
14 458
11 890
12 580
Living cost
25 346
25 346
25 346
25 346
Free-cash
-27 293
-10 888
-13 456
-12 766

Estimated living cost  is ₽25346 per week

₽17395
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1625
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽491
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5837
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽120153
-₽33908
-₽28072
-₽26335
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
social contributions
-
-
-
2 394
income
-
-
-
4 093
total
-
-
-
6 487
Employee
58 570
-
7 985
-
social contributions
4 803
-
684
-
income
12 919
-
1 606
-
total
17 722
-
2 290
-
Employer
58 570
-
7 985
-
social contributions
82 583
-
11 770
-
total
82 583
-
11 770
-
Corporate
-
21 000
-
-
income
-
4 620
-
-
total
-
4 620
-
-
Dividends
-
16 380
-
-
income
-
3 604
-
-
total
-
3 604
-
-
Income
21 000
21 000
21 000
21 000
Total tax
100 305
8 224
14 060
6 487
After tax
-79 305
12 776
6 940
14 513
Living cost
40 848
40 848
40 848
40 848
Free-cash
-120 153
-28 072
-33 908
-26 335

Estimated living cost  is ₽40848 per week

₽26504
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3842
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽521
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9982
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽32784
-₽16930
-₽17696
-₽17165
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
21 000
social contributions

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

-
-
-
7 297
income
-
-
-
1 227
surtax
-
-
-
-
total
-
-
-
8 524
Employee
43 462
-
16 969
-
social contributions
4 781
-
1 867
-
income
9 040
-
2 393
-
surtax
-
-
-
-
total
13 821
-
4 260
-
Employer
43 462
-
16 969
-
social contributions
10 322
-
4 029
-
total
10 322
-
4 029
-
Corporate
-
21 000
-
-
income
-
4 410
-
-
surtax
-
-
-
-
total
-
4 410
-
-
Dividends
-
16 590
-
-
withholding
-
4 645
-
-
total
-
4 645
-
-
Income
21 000
21 000
21 000
21 000
Total tax
24 143
9 055
8 289
8 524
After tax
-3 143
11 945
12 711
12 476
Living cost
29 641
29 641
29 641
29 641
Free-cash
-32 784
-17 696
-16 930
-17 165

Estimated living cost  is ₽29641 per week

₽22177
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1748
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽495
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5220
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽56671
-₽31904
-₽35056
-₽33098
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
social contributions
-
-
-
599
health
-
-
-
253
income
-
-
-
-
surtax
-
-
-
-
pensions
-
-
-
6 954
other
-
-
-
651
total
-
-
-
8 457
Employee
59 186
-
16 002
-
pensions
6 694
-
1 811
-
social contributions
1 686
-
455
-
income
5 164
-
-
-
surtax
-
-
-
-
total
13 544
-
2 266
-
Employer
59 186
-
16 002
-
pensions
9 725
-
2 629
-
other
2 043
-
552
-
health
4 142
-
1 121
-
unemployment
2 398
-
647
-
social contributions
178
-
48
-
total
18 486
-
4 997
-
Corporate
-
21 000
-
-
income
-
5 880
-
-
surtax
-
-
-
-
total
-
5 880
-
-
Dividends
-
15 120
-
-
surtax
-
-
-
-
social contributions
-
2 600
-
-
withholding
-
1 935
-
-
total
-
4 535
-
-
Income
21 000
21 000
21 000
21 000
Total tax
32 030
10 415
7 263
8 457
After tax
-11 030
10 585
13 737
12 543
Living cost
45 641
45 641
45 641
45 641
Free-cash
-56 671
-35 056
-31 904
-33 098

Estimated living cost  is ₽45641 per week

₽30889
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3734
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽626
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10392
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽14089
-₽11407
-₽9506
-₽12025
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
social contributions
-
-
-
4 619
income
-
-
-
-
total
-
-
-
4 619
Employee
30 380
-
18 181
-
social contributions
1 974
-
1 182
-
income
-
-
-
-
total
1 974
-
1 182
-
Employer
30 380
-
18 181
-
social contributions
4 709
-
2 819
-
total
4 709
-
2 819
-
Corporate
-
21 000
-
-
income
-
2 100
-
-
total
-
2 100
-
-
Dividends
-
18 900
-
-
total
-
-
-
-
Income
21 000
21 000
21 000
21 000
Total tax
6 683
2 100
4 001
4 619
After tax
14 317
18 900
16 999
16 381
Living cost
28 406
28 406
28 406
28 406
Free-cash
-14 089
-9 506
-11 407
-12 025

Estimated living cost  is ₽28406 per week

₽18367
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2141
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽534
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7363
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽183602
-₽183602
-₽183602
-₽29475
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
municipal
-
-
-
1 704
pensions
-
-
-
814
labour market
-
-
-
1 615
national
-
-
-
1 116
total
-
-
-
5 249
Employee
190 887
190 887
190 887
-
pensions
271
271
271
-
municipal
40 648
40 648
40 648
-
national
23 320
23 320
23 320
-
labour market
15 249
15 249
15 249
-
total
79 488
79 488
79 488
-
Employer
190 887
190 887
190 887
-
municipal
40 713
40 713
40 713
-
pensions
543
543
543
-
national
23 361
23 361
23 361
-
labour market
15 271
15 271
15 271
-
total
79 888
79 888
79 888
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
21 000
21 000
21 000
21 000
Total tax
159 376
159 376
159 376
5 249
After tax
-138 376
-138 376
-138 376
15 751
Living cost
45 226
45 226
45 226
45 226
Free-cash
-183 602
-183 602
-183 602
-29 475

Estimated living cost  is ₽45226 per week

₽30953
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4001
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽696
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9576
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽18055
-₽9532
-₽18923
-₽8802
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
accident
-
-
-
240
health
-
-
-
2 075
income
-
-
-
2 551
pensions
-
-
-
3 959
other
-
-
-
353
total
-
-
-
9 178
Employee
32 443
-
17 445
-
pensions
3 653
-
1 964
-
health
3 715
-
1 997
-
income
4 451
-
2 393
-
total
11 819
-
6 354
-
Employer
32 443
-
17 445
-
pensions
5 275
-
2 836
-
unemployment
795
-
427
-
accident
542
-
291
-
total
6 612
-
3 554
-
Corporate
-
21 000
-
-
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.

-
18 900
-
-
total
-
18 900
-
-
Dividends
-
2 100
-
-
withholding
-
399
-
-
total
-
399
-
-
Income
21 000
21 000
21 000
21 000
Total tax
18 431
19 299
9 908
9 178
After tax
2 569
1 701
11 092
11 822
Living cost
20 624
20 624
20 624
20 624
Free-cash
-18 055
-18 923
-9 532
-8 802

Estimated living cost  is ₽20624 per week

₽15012
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1176
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽387
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4049
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽38097
-₽22990
-₽21748
-₽19060
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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

-
-
-
21 000
health
-
-
-
-
municipal
-
-
-
3 780
national
-
-
-
-
total
-
-
-
3 780
Employee
49 717
-
17 666
-
unemployment
746
-
265
-
pensions
3 355
-
1 193
-
municipal
8 143
-
2 918
-
national
821
-
-
-
health
371
-
-
-
total
13 436
-
4 376
-
Employer
49 717
-
17 666
-
pensions
8 626
-
3 065
-
health
382
-
136
-
unemployment
323
-
115
-
accident
50
-
18
-
total
9 381
-
3 334
-
Corporate
-
21 000
-
-
income
-
4 200
-
-
total
-
4 200
-
-
Dividends

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

-
12 600
-
-
national
-
-
-
-
municipal
-
2 268
-
-
total
-
2 268
-
-
Income
21 000
21 000
21 000
21 000
Total tax
22 817
6 468
7 710
3 780
After tax
-1 817
14 532
13 290
17 220
Living cost
36 280
36 280
36 280
36 280
Free-cash
-38 097
-21 748
-22 990
-19 060

Estimated living cost  is ₽36280 per week

₽23698
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3490
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽577
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8516
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽15460
-₽13987
-₽22249
-₽7399
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 924
social contributions
-
-
-
5 604
health
-
-
-
916
income
-
-
-
-
total
-
-
-
6 520
Employee
72 664
72 664
72 664
-
health
563
1 236
416
-
social contributions
2 747
6 031
2 034
-
income
7 912
6 727
8 170
-
total
11 222
13 994
10 620
-
Employer
72 664
72 664
72 664
-
health
612
1 345
454
-
social contributions
2 747
6 031
2 034
-
total
3 359
7 376
2 488
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
21 000
21 000
21 000
21 000
Total tax
14 581
21 370
13 108
6 520
After tax
6 419
-370
7 892
14 480
Living cost
21 879
21 879
21 879
21 879
Free-cash
-15 460
-22 249
-13 987
-7 399

Estimated living cost  is ₽21879 per week

₽13112
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2147
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.
₽6137
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽2924
-₽1835
₽2387
-₽4499
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
21 000
health
-
-
-
3 420
income
-
-
-
1 038
pensions
-
-
-
6 011
unemployment
-
-
-
27
total
-
-
-
10 496
Employee

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

21 690
-
19 038
-
unemployment
108
-
95
-
pensions
3 253
-
2 855
-
health
1 843
-
1 618
-
income
1 483
-
1 302
-
total
6 687
-
5 870
-
Employer

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

21 690
-
19 038
-
pensions
1 193
-
1 047
-
health
933
-
820
-
unemployment
108
-
95
-
total
2 234
-
1 962
-
Corporate
-
21 000
-
-
income
-
1 890
-
-
total
-
1 890
-
-
Dividends
-
19 110
-
-
withholding
-
1 720
-
-
total
-
1 720
-
-
Income
21 000
21 000
21 000
21 000
Total tax
8 921
3 610
7 832
10 496
After tax
12 079
17 390
13 168
10 504
Living cost
15 003
15 003
15 003
15 003
Free-cash
-2 924
2 387
-1 835
-4 499

Estimated living cost  is ₽15003 per week

₽9572
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1081
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽447
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3902
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽25080
-₽18749
-₽11670
-₽14080
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
accident
-
-
-
188
income
-
-
-
2 794
pensions
-
-
-
5 943
other
-
-
-
22
unemployment
-
-
-
147
total
-
-
-
9 094
Employee
34 941
-
10 940
-
unemployment
542
-
490
-
pensions
1 643
-
1 483
-
income
6 736
-
1 698
-
other
34
-
32
-
total
8 955
-
3 703
-
Employer
34 941
-
10 940
-
pensions
8 245
-
7 447
-
other
280
-
253
-
unemployment
1 922
-
1 736
-
accident
692
-
624
-
total
11 139
-
10 060
-
Corporate
-
21 000
-
-
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.

-
3 151
-
-
total
-
3 151
-
-
Dividends
-
17 849
-
-
withholding
-
3 533
-
-
total
-
3 533
-
-
Income
21 000
21 000
21 000
21 000
Total tax
20 094
6 684
13 763
9 094
After tax
906
14 316
7 237
11 906
Living cost
25 986
25 986
25 986
25 986
Free-cash
-25 080
-11 670
-18 749
-14 080

Estimated living cost  is ₽25986 per week

₽17540
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2498
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽455
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5493
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽10963
₽10597
₽11263
₽10727
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
health
-
-
-
974
income
-
-
-
6 115
pensions
-
-
-
1 343
total
-
-
-
8 432
Employee
2 804
-
19 489
-
unemployment
28
-
67
-
pensions
252
-
604
-
health
140
-
336
-
income
542
-
6 044
-
total
962
-
7 051
-
Employer
2 804
-
19 489
-
pensions
308
-
739
-
health
266
-
638
-
unemployment
56
-
134
-
total
630
-
1 511
-
Corporate
17 565
21 000
-
-
income
3 864
4 620
-
-
total
3 864
4 620
-
-
Dividends
13 700
16 380
-
-
withholding
2 740
3 276
-
-
total
2 740
3 276
-
-
Income
21 000
21 000
21 000
21 000
Total tax
8 196
7 896
8 562
8 432
After tax
12 804
13 104
12 438
12 568
Living cost
1 841
1 841
1 841
1 841
Free-cash
10 963
11 263
10 597
10 727

Estimated living cost  is ₽1841 per week

₽1094
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽149
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽42
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽556
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽8045
-₽4098
-₽1163
-₽5002
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
21 000
health
-
-
-
2 163
income
-
-
-
1 728
pensions
-
-
-
5 460
unemployment
-
-
-
315
total
-
-
-
9 666
Employee

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

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

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

24 634
-
17 812
-
unemployment
185
-
134
-
pensions
3 449
-
2 494
-
health
1 269
-
917
-
income
3 396
-
2 029
-
total
8 299
-
5 574
-
Employer

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

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

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

24 634
-
17 812
-
pensions
2 956
-
2 137
-
health
1 269
-
917
-
unemployment
185
-
134
-
total
4 410
-
3 188
-
Corporate
-
21 000
-
-
income
-
3 150
-
-
total
-
3 150
-
-
Dividends
-
17 850
-
-
withholding
-
2 677
-
-
total
-
2 677
-
-
Income
21 000
21 000
21 000
21 000
Total tax
12 709
5 827
8 762
9 666
After tax
8 291
15 173
12 238
11 334
Living cost
16 336
16 336
16 336
16 336
Free-cash
-8 045
-1 163
-4 098
-5 002

Estimated living cost  is ₽16336 per week

₽10999
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1264
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽473
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3601
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽24387
-₽12765
-₽13531
-₽13000
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
21 000
social contributions

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

-
-
-
7 297
income
-
-
-
1 227
surtax
-
-
-
-
total
-
-
-
8 524
Employee
36 677
-
16 969
-
social contributions
4 035
-
1 867
-
income
7 166
-
2 393
-
surtax
-
-
-
-
total
11 201
-
4 260
-
Employer
36 677
-
16 969
-
social contributions
8 710
-
4 029
-
total
8 710
-
4 029
-
Corporate
-
21 000
-
-
income
-
4 410
-
-
surtax
-
-
-
-
total
-
4 410
-
-
Dividends
-
16 590
-
-
withholding
-
4 645
-
-
total
-
4 645
-
-
Income
21 000
21 000
21 000
21 000
Total tax
19 911
9 055
8 289
8 524
After tax
1 089
11 945
12 711
12 476
Living cost
25 476
25 476
25 476
25 476
Free-cash
-24 387
-13 531
-12 765
-13 000

Estimated living cost  is ₽25476 per week

₽18044
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1770
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽452
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5211
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽39191
-₽25974
-₽18895
-₽21305
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
accident
-
-
-
188
income
-
-
-
2 794
pensions
-
-
-
5 943
other
-
-
-
22
unemployment
-
-
-
147
total
-
-
-
9 094
Employee
45 638
-
10 940
-
unemployment
707
-
490
-
pensions
2 145
-
1 483
-
income
9 532
-
1 698
-
other
45
-
32
-
total
12 429
-
3 703
-
Employer
45 638
-
10 940
-
pensions
10 770
-
7 447
-
other
366
-
253
-
unemployment
2 511
-
1 736
-
accident
904
-
624
-
total
14 551
-
10 060
-
Corporate
-
21 000
-
-
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.

-
3 151
-
-
total
-
3 151
-
-
Dividends
-
17 849
-
-
withholding
-
3 533
-
-
total
-
3 533
-
-
Income
21 000
21 000
21 000
21 000
Total tax
26 980
6 684
13 763
9 094
After tax
-5 980
14 316
7 237
11 906
Living cost
33 211
33 211
33 211
33 211
Free-cash
-39 191
-18 895
-25 974
-21 305

Estimated living cost  is ₽33211 per week

₽23851
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2582
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽468
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6311
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽4588
-₽2898
₽1800
-₽3913
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
health
-
-
-
2 416
income
-
-
-
3 150
pensions

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

-
-
-
3 108
unemployment
-
-
-
84
total
-
-
-
8 758
Employee
21 392
-
17 555
-
accident

We are using the highest rate at 1.1%.

235
-
193
-
pensions

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

1 878
-
1 541
-
health
984
-
807
-
income
2 140
-
1 756
-
total
5 237
-
4 297
-
Employer
21 392
-
17 555
-
pensions

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

2 357
-
1 935
-
health
1 476
-
1 212
-
unemployment
128
-
106
-
accident

We are using the highest rate at 1.1%.

235
-
193
-
total
4 196
-
3 446
-
Corporate
-
21 000
-
-
income
-
2 100
-
-
total
-
2 100
-
-
Dividends
-
18 900
-
-
withholding
-
945
-
-
total
-
945
-
-
Income
21 000
21 000
21 000
21 000
Total tax
9 433
3 045
7 743
8 758
After tax
11 567
17 955
13 257
12 242
Living cost
16 155
16 155
16 155
16 155
Free-cash
-4 588
1 800
-2 898
-3 913

Estimated living cost  is ₽16155 per week

₽10685
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽925
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽385
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4161
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽26018
-₽21939
-₽25438
-₽21939
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
21 000
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.

-
-
-
6 456
trade
-
-
-
-
income

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

-
-
-
-
surtax

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

-
-
-
-
total
-
-
-
6 456
Employee

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

47 019
-
21 000
-
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.

6 456
-
6 456
-
income

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

3 866
-
-
-
surtax

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

213
-
-
-
total
10 535
-
6 456
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
21 000
-
-
income
-
3 151
-
-
chamber of commerce
-
174
-
-
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.

-
174
-
-
trade
-
3 013
-
-
total
-
6 512
-
-
Dividends
-
14 489
-
-
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.

-
179
-
-
withholding
-
3 264
-
-
total
-
3 443
-
-
Income
21 000
21 000
21 000
21 000
Total tax
10 535
9 955
6 456
6 456
After tax
10 465
11 045
14 544
14 544
Living cost
36 483
36 483
36 483
36 483
Free-cash
-26 018
-25 438
-21 939
-21 939

Estimated living cost  is ₽36483 per week

₽25167
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3925
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽529
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6861
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽52919
-₽34552
-₽39129
-₽34552
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
social contributions
-
-
-
481
income
-
-
-
1 241
total
-
-
-
1 722
Employee
73 918
-
21 000
-
social contributions
6 141
-
481
-
income
13 948
-
1 241
-
total
20 089
-
1 722
-
Employer
73 918
-
21 000
-
total
-
-
-
-
Corporate
-
21 000
-
-
income
-
2 625
-
-
total
-
2 625
-
-
Dividends
-
18 375
-
-
withholding
-
3 674
-
-
total
-
3 674
-
-
Income
21 000
21 000
21 000
21 000
Total tax
20 089
6 299
1 722
1 722
After tax
911
14 701
19 278
19 278
Living cost
53 830
53 830
53 830
53 830
Free-cash
-52 919
-39 129
-34 552
-34 552

Estimated living cost  is ₽53830 per week

₽40953
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4386
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.
₽7976
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽29514
-₽17256
-₽23475
-₽46018
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
21 000
income
-
-
-
26 899
health

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

-
-
-
5 816
total
-
-
-
32 715
Employee
43 350
-
19 088
-
social contributions
4 343
-
1 912
-
income
4 704
-
129
-
total
9 047
-
2 041
-
Employer
43 350
-
19 088
-
social contributions
4 343
-
1 912
-
total
4 343
-
1 912
-
Corporate
-
21 000
-
-
income
-
7 351
-
-
total
-
7 351
-
-
Dividends
-
13 649
-
-
social contributions
2 821
2 821
-
-
total
2 821
2 821
-
-
Income
21 000
21 000
21 000
21 000
Total tax
16 211
10 172
3 953
32 715
After tax
4 789
10 828
17 047
-11 715
Living cost
34 303
34 303
34 303
34 303
Free-cash
-29 514
-23 475
-17 256
-46 018

Estimated living cost  is ₽34303 per week

₽22595
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2704
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽525
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8477
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽31735
-₽18859
-₽18566
-₽17780
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
income
-
-
-
4 131
pensions
-
-
-
348
total
-
-
-
4 479
Employee
47 083
-
19 656
-
pensions
3 594
-
303
-
health
614
-
51
-
income
8 574
-
3 860
-
total
12 782
-
4 214
-
Employer
47 083
-
19 656
-
pensions
4 757
-
970
-
health
895
-
374
-
total
5 652
-
1 344
-
Corporate
-
21 000
-
-
income

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

-
3 990
-
-
total
-
3 990
-
-
Dividends
-
17 010
-
-
withholding
-
1 275
-
-
total
-
1 275
-
-
Income
21 000
21 000
21 000
21 000
Total tax
18 434
5 265
5 558
4 479
After tax
2 566
15 735
15 442
16 521
Living cost
34 301
34 301
34 301
34 301
Free-cash
-31 735
-18 566
-18 859
-17 780

Estimated living cost  is ₽34301 per week

₽23530
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3154
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽429
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7185
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽21919
-₽11574
-₽20965
-₽10844
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
accident
-
-
-
240
health
-
-
-
2 075
income
-
-
-
2 551
pensions
-
-
-
3 959
other
-
-
-
353
total
-
-
-
9 178
Employee
35 654
-
17 445
-
pensions
4 015
-
1 964
-
health
4 082
-
1 997
-
income
4 891
-
2 393
-
total
12 988
-
6 354
-
Employer
35 654
-
17 445
-
pensions
5 797
-
2 836
-
unemployment
873
-
427
-
accident
595
-
291
-
total
7 265
-
3 554
-
Corporate
-
21 000
-
-
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.

-
18 900
-
-
total
-
18 900
-
-
Dividends
-
2 100
-
-
withholding
-
399
-
-
total
-
399
-
-
Income
21 000
21 000
21 000
21 000
Total tax
20 253
19 299
9 908
9 178
After tax
747
1 701
11 092
11 822
Living cost
22 666
22 666
22 666
22 666
Free-cash
-21 919
-20 965
-11 574
-10 844

Estimated living cost  is ₽22666 per week

₽16634
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1321
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽457
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4254
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽512
₽376
₽5101
₽376
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
21 000
income
-
-
-
2 100
health insurance
-
-
-
1 554
pensions
-
-
-
3 864
unemployment
-
-
-
252
work injury
-
-
-
105
total
-
-
-
7 875
Employee

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

20 398
-
21 000
-
unemployment
245
-
252
-
pensions
3 753
-
3 864
-
work injury
102
-
105
-
income
2 040
-
2 100
-
health insurance
1 509
-
1 554
-
total
7 649
-
7 875
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
602
21 000
-
-
income

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

-
-
-
-
total
-
-
-
-
Dividends
602
21 000
-
-
withholding
90
3 150
-
-
total
90
3 150
-
-
Income
21 000
21 000
21 000
21 000
Total tax
7 739
3 150
7 875
7 875
After tax
13 261
17 850
13 125
13 125
Living cost
12 748
12 748
12 748
12 748
Free-cash
512
5 101
376
376

Estimated living cost  is ₽12748 per week

₽7898
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽926
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽398
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3527
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Skopje model

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Rome , Italy
-₽58631
-₽29168
-₽26584
-₽27476
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
social contributions
-
-
-
7 324
municipal
-
-
-
124
regional
-
-
-
237
national
-
-
-
3 145
total
-
-
-
10 830
Employee
79 630
-
21 000
-
regional
1 202
-
197
-
municipal
475
-
102
-
national
13 457
-
2 622
-
social contributions
26 851
-
9 601
-
total
41 985
-
12 522
-
Employer
79 630
-
21 000
-
total
-
-
-
-
Corporate
-
21 000
-
-
municipal
-
1 011
-
-
nationa
-
5 041
-
-
total
-
6 052
-
-
Dividends
-
14 948
-
-
withholding
-
3 886
-
-
total
-
3 886
-
-
Income
21 000
21 000
21 000
21 000
Total tax
41 985
9 938
12 522
10 830
After tax
-20 985
11 062
8 478
10 170
Living cost
37 646
37 646
37 646
37 646
Free-cash
-58 631
-26 584
-29 168
-27 476

Estimated living cost  is ₽37646 per week

₽26444
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2589
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.
₽8043
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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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