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
-₽13988
-₽17718
-₽13988
-₽15050
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
6 439
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.

-
-
-
-
trade
-
-
-
-
total
-
-
-
6 439
Employee

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

36 050
-
21 000
-
surtax

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

55
-
-
-
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.

1 007
-
-
-
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.

6 439
-
6 439
-
total
7 501
-
6 439
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
21 000
-
-
chamber of commerce
-
173
-
-
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.

-
173
-
-
trade
-
3 307
-
-
income
-
3 150
-
-
total
-
6 803
-
-
Dividends
-
14 196
-
-
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.

-
175
-
-
withholding
-
3 191
-
-
total
-
3 366
-
-
Income
21 000
21 000
21 000
21 000
Total tax
7 501
10 169
6 439
6 439
After tax
13 499
10 831
14 561
14 561
Living cost
28 549
28 549
28 549
28 549
Free-cash
-15 050
-17 718
-13 988
-13 988

Estimated living cost  is ₽28549 per week

₽17958
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3329
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽533
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6729
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽34230
-₽36408
-₽34396
-₽62717
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
pensions
-
-
-
2 520
national
-
-
-
1 907
municipal
-
-
-
1 231
total
-
-
-
5 884
Employee
76 752
-
18 154
-
municipal
9 480
-
1 312
-
national
14 690
-
2 033
-
pensions
3 070
-
726
-
total
27 240
-
4 071
-
Employer
76 752
-
18 154
-
pensions
6 140
-
1 452
-
social contributions
825
-
195
-
total
6 965
-
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
34 205
7 896
5 718
5 884
After tax
-13 205
13 104
15 282
15 116
Living cost
49 512
49 512
49 512
49 512
Free-cash
-62 717
-36 408
-34 230
-34 396

Estimated living cost  is ₽49512 per week

₽33652
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4602
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽741
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10516
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽7559
-₽2809
-₽4726
-₽13176
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
2 967
income
-
-
-
-
surtax
-
-
-
-
microenterprise
-
-
-
3 150
total
-
-
-
6 117
Employee
27 541
-
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.

3 030
-
1 862
-
income
4 903
-
3 012
-
total
7 933
-
4 874
-
Employer
27 541
-
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.

6 634
-
4 076
-
total
6 634
-
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
14 567
4 200
8 950
6 117
After tax
6 433
16 800
12 050
14 883
Living cost
19 609
19 609
19 609
19 609
Free-cash
-13 176
-2 809
-7 559
-4 726

Estimated living cost  is ₽19609 per week

₽12510
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1867
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽445
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4786
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽72596
-₽67305
-₽27379
-₽72596
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
21 000
health
-
-
-
3 223
income
-
-
-
1 891
pensions
-
-
-
3 781
total
-
-
-
8 895
Employee
80 489
80 489
80 489
-
income

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

13 175
13 175
13 175
-
pensions
14 488
11 043
14 488
-
health
12 354
10 508
12 354
-
total
40 017
34 726
40 017
-
Employer
80 489
80 489
80 489
-
unemployment
2 898
2 898
2 898
-
health
5 595
5 595
5 595
-
pensions
5 602
5 602
5 602
-
total
14 095
14 095
14 095
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
21 000
21 000
21 000
21 000
Total tax
54 112
48 821
54 112
8 895
After tax
-33 112
-27 821
-33 112
12 105
Living cost
39 484
39 484
39 484
39 484
Free-cash
-72 596
-67 305
-72 596
-27 379

Estimated living cost  is ₽39484 per week

₽27982
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3559
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽628
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7316
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽27692
-₽27440
-₽28437
-₽51855
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
other
-
-
-
2 440
health
-
-
-
1 310
accident
-
-
-
42
pensions
-
-
-
2 270
national
-
-
-
-
unemployment
-
-
-
21
municipal
-
-
-
4 448
total
-
-
-
10 531
Employee
55 437
-
15 979
-
municipal
16 531
-
4 765
-
national
-
-
-
-
total
16 531
-
4 765
-
Employer
55 437
-
15 979
-
other
6 442
-
1 857
-
unemployment
1 463
-
422
-
health
3 409
-
983
-
accident
111
-
32
-
pensions
5 993
-
1 727
-
total
17 418
-
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
33 949
9 534
9 786
10 531
After tax
-12 949
11 466
11 214
10 469
Living cost
38 906
38 906
38 906
38 906
Free-cash
-51 855
-27 440
-27 692
-28 437

Estimated living cost  is ₽38906 per week

₽25785
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3818
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽591
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8712
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽22466
-₽26303
-₽22466
-₽26798
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
6 439
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.

-
-
-
-
trade
-
-
-
-
total
-
-
-
6 439
Employee

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

47 798
-
21 000
-
surtax

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

225
-
-
-
income

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

4 107
-
-
-
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.

6 439
-
6 439
-
total
10 771
-
6 439
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
21 000
-
-
chamber of commerce
-
173
-
-
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.

-
173
-
-
trade
-
3 454
-
-
income
-
3 150
-
-
total
-
6 950
-
-
Dividends
-
14 049
-
-
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.

-
173
-
-
withholding
-
3 153
-
-
total
-
3 326
-
-
Income
21 000
21 000
21 000
21 000
Total tax
10 771
10 276
6 439
6 439
After tax
10 229
10 724
14 561
14 561
Living cost
37 027
37 027
37 027
37 027
Free-cash
-26 798
-26 303
-22 466
-22 466

Estimated living cost  is ₽37027 per week

₽24764
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3905
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽553
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7806
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details 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
-₽22644
-₽30883
-₽16075
-₽25732
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 831
social contributions
-
-
-
5 590
health
-
-
-
914
income
-
-
-
-
total
-
-
-
6 504
Employee
72 477
72 477
72 477
-
social contributions
3 522
6 015
2 028
-
income
7 611
6 709
8 149
-
health
721
1 232
415
-
total
11 854
13 956
10 592
-
Employer
72 477
72 477
72 477
-
health
785
1 341
453
-
social contributions
3 522
6 015
2 028
-
total
4 307
7 356
2 481
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
21 000
21 000
21 000
21 000
Total tax
16 161
21 312
13 073
6 504
After tax
4 839
-312
7 927
14 496
Living cost
30 571
30 571
30 571
30 571
Free-cash
-25 732
-30 883
-22 644
-16 075

Estimated living cost  is ₽30571 per week

₽20899
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2388
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽513
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6772
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽5417
-₽5481
-₽3043
-₽9345
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

25 393
10 106
17 573
-
income
3 104
1 235
2 148
-
pensions
2 539
1 011
1 757
-
health
1 778
707
1 230
-
unemployment
381
152
264
-
total
7 802
3 105
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.

25 393
10 106
17 573
-
pensions
4 952
1 971
3 427
-
total
4 952
1 971
3 427
-
Corporate
-
8 923
-
-
income
-
803
-
-
total
-
803
-
-
Dividends
-
8 120
-
-
social contributions
-
1 468
-
-
withholding
-
1 543
-
-
total
-
3 011
-
-
Income
21 000
21 000
21 000
21 000
Total tax
12 754
8 890
8 826
6 452
After tax
8 246
12 110
12 174
14 548
Living cost
17 591
17 591
17 591
17 591
Free-cash
-9 345
-5 481
-5 417
-3 043

Estimated living cost  is ₽17591 per week

₽12004
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1439
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽351
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3796
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽8514
-₽5966
-₽9364
-₽14776
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
667
pensions
-
-
-
4 202
total
-
-
-
7 598
Employee
26 738
-
15 695
-
income
3 010
-
880
-
pensions
535
-
313
-
unemployment
427
-
250
-
total
3 972
-
1 443
-
Employer
26 738
-
15 695
-
unemployment
215
-
125
-
health
3 475
-
2 041
-
pensions
5 348
-
3 139
-
total
9 038
-
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
13 010
4 200
6 748
7 598
After tax
7 990
16 800
14 252
13 402
Living cost
22 766
22 766
22 766
22 766
Free-cash
-14 776
-5 966
-8 514
-9 364

Estimated living cost  is ₽22766 per week

₽15615
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1356
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽458
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5337
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽9747
-₽19138
-₽8993
-₽18460
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
other
-
-
-
351
health
-
-
-
2 066
accident
-
-
-
239
income
-
-
-
2 557
pensions
-
-
-
3 941
total
-
-
-
9 154
Employee
32 780
-
17 445
-
income
4 497
-
2 393
-
pensions
3 691
-
1 964
-
health
3 753
-
1 997
-
total
11 941
-
6 354
-
Employer
32 780
-
17 445
-
unemployment
803
-
427
-
accident
547
-
291
-
pensions
5 330
-
2 836
-
total
6 680
-
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
18 621
19 299
9 908
9 154
After tax
2 379
1 701
11 092
11 846
Living cost
20 839
20 839
20 839
20 839
Free-cash
-18 460
-19 138
-9 747
-8 993

Estimated living cost  is ₽20839 per week

₽15273
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1155
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽435
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3977
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽8990
₽12140
₽12980
₽10676
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
9 763
-
21 000
-
income
1 952
-
4 200
-
total
1 952
-
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%.

11 237
21 000
-
-
total
-
-
-
-
Dividends
11 237
21 000
-
-
withholding
562
1 050
-
-
total
562
1 050
-
-
Income
21 000
21 000
21 000
21 000
Total tax
2 514
1 050
4 200
210
After tax
18 486
19 950
16 800
20 790
Living cost
7 810
7 810
7 810
7 810
Free-cash
10 676
12 140
8 990
12 980

Estimated living cost  is ₽7810 per week

₽4840
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽649
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽215
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2106
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽12803
-₽9687
-₽13744
-₽21848
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
other
-
-
-
998
health
-
-
-
925
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.

-
-
-
5 039
total
-
-
-
9 629
Employee
34 223
-
16 775
-
income
5 892
-
2 889
-
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.

2 395
-
1 173
-
health
479
-
234
-
unemployment
342
-
168
-
total
9 108
-
4 464
-
Employer
34 223
-
16 775
-
other
1 712
-
837
-
unemployment
342
-
168
-
health
479
-
234
-
accident
274
-
134
-
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.

5 818
-
2 851
-
total
8 625
-
4 224
-
Corporate
-
21 000
-
-
income
-
4 411
-
-
total
-
4 411
-
-
Dividends
-
16 589
-
-
withholding
-
1 161
-
-
total
-
1 161
-
-
Income
21 000
21 000
21 000
21 000
Total tax
17 733
5 572
8 688
9 629
After tax
3 267
15 428
12 312
11 371
Living cost
25 115
25 115
25 115
25 115
Free-cash
-21 848
-9 687
-12 803
-13 744

Estimated living cost  is ₽25115 per week

₽17745
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1696
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽404
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5269
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽46904
-₽46642
-₽45841
-₽79347
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
4 133
pensions
-
-
-
333
total
-
-
-
4 466
Employee
88 252
-
19 671
-
income
15 908
-
3 868
-
health
1 454
-
49
-
pensions
8 514
-
283
-
total
25 876
-
4 200
-
Employer
88 252
-
19 671
-
health
1 676
-
374
-
pensions
10 420
-
955
-
total
12 096
-
1 329
-
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.

-
3 991
-
-
total
-
3 991
-
-
Dividends
-
17 009
-
-
withholding
-
1 276
-
-
total
-
1 276
-
-
Income
21 000
21 000
21 000
21 000
Total tax
37 972
5 267
5 529
4 466
After tax
-16 972
15 733
15 471
16 534
Living cost
62 375
62 375
62 375
62 375
Free-cash
-79 347
-46 642
-46 904
-45 841

Estimated living cost  is ₽62375 per week

₽46739
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽7329
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽507
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7801
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
₽1053
₽5750
₽38
₽1426
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
2 415
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
-
-
-
8 757
Employee
16 161
-
17 555
-
income
1 616
-
1 756
-
accident

We are using the highest rate at 1.1%.

178
-
193
-
pensions

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

1 419
-
1 541
-
health
743
-
807
-
total
3 956
-
4 297
-
Employer
16 161
-
17 555
-
unemployment
97
-
106
-
health
1 115
-
1 211
-
accident

We are using the highest rate at 1.1%.

178
-
193
-
pensions

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

1 781
-
1 935
-
total
3 171
-
3 445
-
Corporate
1 667
21 000
-
-
income
167
2 100
-
-
total
167
2 100
-
-
Dividends
1 500
18 900
-
-
withholding
75
945
-
-
total
75
945
-
-
Income
21 000
21 000
21 000
21 000
Total tax
7 369
3 045
7 742
8 757
After tax
13 631
17 955
13 258
12 243
Living cost
12 205
12 205
12 205
12 205
Free-cash
1 426
5 750
1 053
38

Estimated living cost  is ₽12205 per week

₽7126
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽872
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽323
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3885
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽85377
-₽80086
-₽40160
-₽81684
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
1 891
pensions
-
-
-
3 781
total
-
-
-
8 895
Employee
87 385
80 489
80 489
-
income

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

13 175
13 175
13 175
-
pensions
11 043
11 043
14 488
-
health
10 902
10 508
12 354
-
total
35 120
34 726
40 017
-
Employer
87 385
80 489
80 489
-
unemployment
3 146
2 898
2 898
-
health
6 072
5 595
5 595
-
pensions
6 081
5 602
5 602
-
total
15 299
14 095
14 095
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
21 000
21 000
21 000
21 000
Total tax
50 419
48 821
54 112
8 895
After tax
-29 419
-27 821
-33 112
12 105
Living cost
52 265
52 265
52 265
52 265
Free-cash
-81 684
-80 086
-85 377
-40 160

Estimated living cost  is ₽52265 per week

₽38554
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4668
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽599
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8444
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽12578
-₽8776
-₽13006
-₽24785
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
34 168
-
15 672
-
social contributions
2 221
-
1 019
-
solidarity contribution
-
-
-
-
income
4 100
-
1 881
-
health
4 613
-
2 116
-
total
10 934
-
5 016
-
Employer
34 168
-
15 672
-
health
3 075
-
1 410
-
social contributions
8 542
-
3 918
-
total
11 617
-
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
22 551
6 542
10 344
10 772
After tax
-1 551
14 458
10 656
10 228
Living cost
23 234
23 234
23 234
23 234
Free-cash
-24 785
-8 776
-12 578
-13 006

Estimated living cost  is ₽23234 per week

₽16139
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1653
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.
₽4986
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽31208
-₽28568
-₽29504
-₽62767
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
7 305
national
-
-
-
3 150
regional
-
-
-
168
municipal
-
-
-
109
total
-
-
-
10 732
Employee
83 767
-
21 000
-
social contributions
28 246
-
9 576
-
municipal
444
-
91
-
national
14 515
-
2 628
-
regional
790
-
141
-
total
43 995
-
12 436
-
Employer
83 767
-
21 000
-
total
-
-
-
-
Corporate
-
21 000
-
-
nationa
-
5 040
-
-
municipal
-
819
-
-
total
-
5 859
-
-
Dividends
-
15 140
-
-
withholding
-
3 937
-
-
total
-
3 937
-
-
Income
21 000
21 000
21 000
21 000
Total tax
43 995
9 796
12 436
10 732
After tax
-22 995
11 204
8 564
10 268
Living cost
39 772
39 772
39 772
39 772
Free-cash
-62 767
-28 568
-31 208
-29 504

Estimated living cost  is ₽39772 per week

₽27724
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2608
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽610
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8829
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽9166
-₽7591
-₽8723
-₽16730
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
other
-
-
-
-
health
-
-
-
1 490
income
-
-
-
3 019
pensions
-
-
-
4 200
surtax
-
-
-
-
unemployment
-
-
-
215
total
-
-
-
8 924
Employee
31 169
-
17 349
-
surtax
102
-
-
-
income
5 225
-
2 908
-
other
-
-
-
-
pensions
2 078
-
1 157
-
health
796
-
444
-
unemployment
2 170
-
1 207
-
total
10 371
-
5 716
-
Employer
31 169
-
17 349
-
other
-
-
-
-
unemployment
987
-
549
-
health
1 418
-
789
-
pensions
4 155
-
2 313
-
total
6 560
-
3 651
-
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
16 931
7 792
9 367
8 924
After tax
4 069
13 208
11 633
12 076
Living cost
20 799
20 799
20 799
20 799
Free-cash
-16 730
-7 591
-9 166
-8 723

Estimated living cost  is ₽20799 per week

₽12717
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1919
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽479
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5683
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽27142
-₽26880
-₽26079
-₽45670
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
4 133
pensions
-
-
-
333
total
-
-
-
4 466
Employee
59 144
-
19 671
-
income
10 652
-
3 868
-
health
859
-
49
-
pensions
5 020
-
283
-
total
16 531
-
4 200
-
Employer
59 144
-
19 671
-
health
1 124
-
374
-
pensions
6 402
-
955
-
total
7 526
-
1 329
-
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.

-
3 991
-
-
total
-
3 991
-
-
Dividends
-
17 009
-
-
withholding
-
1 276
-
-
total
-
1 276
-
-
Income
21 000
21 000
21 000
21 000
Total tax
24 057
5 267
5 529
4 466
After tax
-3 057
15 733
15 471
16 534
Living cost
42 613
42 613
42 613
42 613
Free-cash
-45 670
-26 880
-27 142
-26 079

Estimated living cost  is ₽42613 per week

₽31925
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3194
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽446
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7047
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽60406
-₽66039
-₽57566
-₽75953
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
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
health
-
-
-
247
pensions
-
-
-
1 931
city
-
-
-
220
national
-
-
-
-
regional
-
-
-
107
total
-
-
-
2 925
Employee
88 520
-
17 853
-
national
419
-
-
-
city
950
-
179
-
pensions
7 437
-
2 553
-
health
200
-
41
-
regional
2 899
-
41
-
unemployment
-
-
-
-
total
11 905
-
2 814
-
Employer
88 520
-
17 853
-
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.

1 770
-
357
-
unemployment
-
-
-
-
health
200
-
41
-
pensions
7 437
-
2 553
-
total
9 407
-
2 951
-
Corporate
-
21 000
-
-
regional
-
4 441
-
-
national
-
1 785
-
-
total
-
6 226
-
-
Dividends
-
14 773
-
-
withholding
-
5 172
-
-
total
-
5 172
-
-
Income
21 000
21 000
21 000
21 000
Total tax
21 312
11 398
5 765
2 925
After tax
-312
9 602
15 235
18 075
Living cost
75 641
75 641
75 641
75 641
Free-cash
-75 953
-66 039
-60 406
-57 566

Estimated living cost  is ₽75641 per week

₽49189
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6788
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽929
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽18736
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽28617
-₽32566
-₽28617
-₽35645
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
6 439
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.

-
-
-
-
trade
-
-
-
-
total
-
-
-
6 439
Employee

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

56 645
-
21 000
-
surtax

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

367
-
-
-
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.

6 661
-
-
-
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.

6 439
-
6 439
-
total
13 467
-
6 439
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
21 000
-
-
chamber of commerce
-
173
-
-
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.

-
173
-
-
trade
-
3 602
-
-
income
-
3 150
-
-
total
-
7 098
-
-
Dividends
-
13 901
-
-
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
-
3 118
-
-
total
-
3 290
-
-
Income
21 000
21 000
21 000
21 000
Total tax
13 467
10 388
6 439
6 439
After tax
7 533
10 612
14 561
14 561
Living cost
43 178
43 178
43 178
43 178
Free-cash
-35 645
-32 566
-28 617
-28 617

Estimated living cost  is ₽43178 per week

₽31536
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3454
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽562
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7629
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽18510
-₽21662
-₽19700
-₽31937
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
other
-
-
-
651
social contributions
-
-
-
599
health
-
-
-
252
income
-
-
-
-
pensions
-
-
-
6 951
surtax
-
-
-
-
total
-
-
-
8 453
Employee
40 339
-
16 003
-
surtax
-
-
-
-
social contributions
1 150
-
456
-
income
2 381
-
-
-
pensions
4 561
-
1 810
-
total
8 092
-
2 266
-
Employer
40 339
-
16 003
-
other
1 392
-
553
-
unemployment
1 633
-
647
-
health
2 824
-
1 120
-
pensions
6 627
-
2 629
-
social contributions
122
-
48
-
total
12 598
-
4 997
-
Corporate
-
21 000
-
-
surtax
-
-
-
-
income
-
5 879
-
-
total
-
5 879
-
-
Dividends
-
15 121
-
-
social contributions
-
2 601
-
-
surtax
-
-
-
-
withholding
-
1 935
-
-
total
-
4 536
-
-
Income
21 000
21 000
21 000
21 000
Total tax
20 690
10 415
7 263
8 453
After tax
310
10 585
13 737
12 547
Living cost
32 247
32 247
32 247
32 247
Free-cash
-31 937
-21 662
-18 510
-19 700

Estimated living cost  is ₽32247 per week

₽20333
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2622
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽549
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8745
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽15315
-₽18467
-₽16505
-₽26254
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
other
-
-
-
651
social contributions
-
-
-
599
health
-
-
-
252
income
-
-
-
-
pensions
-
-
-
6 951
surtax
-
-
-
-
total
-
-
-
8 453
Employee
36 008
-
16 003
-
surtax
-
-
-
-
social contributions
1 027
-
456
-
income
1 857
-
-
-
pensions
4 073
-
1 810
-
total
6 957
-
2 266
-
Employer
36 008
-
16 003
-
other
1 243
-
553
-
unemployment
1 458
-
647
-
health
2 520
-
1 120
-
pensions
5 917
-
2 629
-
social contributions
107
-
48
-
total
11 245
-
4 997
-
Corporate
-
21 000
-
-
surtax
-
-
-
-
income
-
5 879
-
-
total
-
5 879
-
-
Dividends
-
15 121
-
-
social contributions
-
2 601
-
-
surtax
-
-
-
-
withholding
-
1 935
-
-
total
-
4 536
-
-
Income
21 000
21 000
21 000
21 000
Total tax
18 202
10 415
7 263
8 453
After tax
2 798
10 585
13 737
12 547
Living cost
29 052
29 052
29 052
29 052
Free-cash
-26 254
-18 467
-15 315
-16 505

Estimated living cost  is ₽29052 per week

₽16849
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2951
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.
₽8702
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽9073
-₽7174
-₽6501
-₽13433
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
1 467
income
-
-
-
3 150
total
-
-
-
7 515
Employee
31 958
-
21 000
-
social contributions
4 411
-
2 898
-
income
5 330
-
5 722
-
health
2 230
-
1 467
-
total
11 971
-
10 087
-
Employer
31 958
-
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%.

-
1 050
-
-
total
-
1 050
-
-
Dividends
-
19 950
-
-
social contributions
1 644
2 753
-
-
withholding
-
2 992
-
-
health
832
1 393
-
-
total
2 476
7 138
-
-
Income
21 000
21 000
21 000
21 000
Total tax
14 447
8 188
10 087
7 515
After tax
6 553
12 812
10 913
13 485
Living cost
19 986
19 986
19 986
19 986
Free-cash
-13 433
-7 174
-9 073
-6 501

Estimated living cost  is ₽19986 per week

₽13375
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1232
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽460
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4917
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽27920
-₽33675
-₽23753
-₽40738
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
1 606
income
-
-
-
-
chamber of commerce
-
-
-
84
pensions
-
-
-
3 885
surtax
-
-
-
186
unemployment
-
-
-
5 781
total
-
-
-
11 542
Employee
47 104
37 562
37 562
-
income
5 362
2 771
4 066
-
other
470
376
148
-
pensions
4 824
3 846
1 524
-
health
1 823
1 454
576
-
unemployment
1 413
1 127
447
-
total
13 892
9 574
6 761
-
Employer
47 104
37 562
37 562
-
other
2 238
1 783
1 592
-
unemployment
1 413
1 127
447
-
health
1 780
1 420
562
-
surtax
186
186
186
-
accident
612
488
193
-
pensions
5 911
4 715
1 867
-
payroll
1 413
1 127
1 127
-
chamber of commerce
188
150
150
-
total
13 741
10 996
6 124
-
Corporate
3 577
3 577
11 298
-
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.

894
894
2 824
-
total
894
894
2 824
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
21 000
21 000
21 000
21 000
Total tax
28 527
21 464
15 709
11 542
After tax
-7 527
-464
5 291
9 458
Living cost
33 211
33 211
33 211
33 211
Free-cash
-40 738
-33 675
-27 920
-23 753

Estimated living cost  is ₽33211 per week

₽22151
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2833
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽546
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7682
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽24612
-₽22322
-₽23305
-₽66046
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
4 969
communal

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

-
-
-
962
national
-
-
-
4 008
total
-
-
-
9 939
Employee

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

67 420
-
16 262
-
national
20 728
-
3 534
-
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.

5 056
-
1 220
-
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.

3 168
-
766
-
communal

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

3 516
-
848
-
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.

587
-
141
-
total
33 055
-
6 509
-
Employer

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

67 420
-
16 262
-
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.

984
-
238
-
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.

4 146
-
1 000
-
surtax
7 645
-
1 846
-
accident

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

876
-
211
-
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.

5 974
-
1 442
-
total
19 625
-
4 737
-
Corporate
-
21 000
-
-
surtax
-
84
-
-
income
-
4 200
-
-
total
-
4 284
-
-
Dividends
-
16 716
-
-
withholding

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

-
4 672
-
-
total
-
4 672
-
-
Income
21 000
21 000
21 000
21 000
Total tax
52 680
8 956
11 246
9 939
After tax
-31 680
12 044
9 754
11 061
Living cost
34 366
34 366
34 366
34 366
Free-cash
-66 046
-22 322
-24 612
-23 305

Estimated living cost  is ₽34366 per week

₽22136
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3005
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.
₽8687
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽26774
-₽19723
-₽22133
-₽40873
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
other
-
-
-
21
accident
-
-
-
190
income
-
-
-
2 792
pensions
-
-
-
5 944
unemployment
-
-
-
147
total
-
-
-
9 094
Employee
46 917
-
10 966
-
income
9 899
-
1 703
-
other
47
-
32
-
pensions
2 205
-
1 479
-
unemployment
728
-
488
-
total
12 879
-
3 702
-
Employer
46 917
-
10 966
-
other
374
-
252
-
unemployment
2 581
-
1 731
-
accident
928
-
622
-
pensions
11 072
-
7 428
-
total
14 955
-
10 033
-
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.

-
3 150
-
-
total
-
3 150
-
-
Dividends
-
17 850
-
-
withholding
-
3 534
-
-
total
-
3 534
-
-
Income
21 000
21 000
21 000
21 000
Total tax
27 834
6 684
13 735
9 094
After tax
-6 834
14 316
7 265
11 906
Living cost
34 039
34 039
34 039
34 039
Free-cash
-40 873
-19 723
-26 774
-22 133

Estimated living cost  is ₽34039 per week

₽25066
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2415
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽490
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6067
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽41870
-₽36853
-₽41869
-₽58904
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
3 363
accident
-
-
-
404
income
-
-
-
-
pensions
-
-
-
7 176
communal
-
-
-
-
surtax
-
-
-
705
total
-
-
-
11 648
Employee
71 378
-
15 639
-
surtax
4 375
-
705
-
income
6 894
-
-
-
pensions
5 709
-
3 588
-
health
3 177
-
1 996
-
total
20 155
-
6 289
-
Employer
71 378
-
15 639
-
health
2 177
-
1 368
-
accident
642
-
404
-
pensions
5 709
-
3 588
-
total
8 528
-
5 360
-
Corporate
-
21 000
-
-
surtax
-
220
-
-
income
-
3 150
-
-
communal
-
-
-
-
total
-
3 370
-
-
Dividends
-
17 630
-
-
income
-
617
-
-
withholding
-
2 645
-
-
total
-
3 262
-
-
Income
21 000
21 000
21 000
21 000
Total tax
28 683
6 632
11 649
11 648
After tax
-7 683
14 368
9 351
9 352
Living cost
51 221
51 221
51 221
51 221
Free-cash
-58 904
-36 853
-41 870
-41 869

Estimated living cost  is ₽51221 per week

₽38424
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3103
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽542
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9151
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽9537
-₽7962
-₽9094
-₽17423
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
other
-
-
-
-
health
-
-
-
1 490
income
-
-
-
3 019
pensions
-
-
-
4 200
surtax
-
-
-
-
unemployment
-
-
-
215
total
-
-
-
8 924
Employee
31 741
-
17 349
-
surtax
113
-
-
-
income
5 321
-
2 908
-
other
-
-
-
-
pensions
2 118
-
1 157
-
health
810
-
444
-
unemployment
2 209
-
1 207
-
total
10 571
-
5 716
-
Employer
31 741
-
17 349
-
other
-
-
-
-
unemployment
1 007
-
549
-
health
1 443
-
789
-
pensions
4 232
-
2 313
-
total
6 682
-
3 651
-
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
17 253
7 792
9 367
8 924
After tax
3 747
13 208
11 633
12 076
Living cost
21 170
21 170
21 170
21 170
Free-cash
-17 423
-7 962
-9 537
-9 094

Estimated living cost  is ₽21170 per week

₽12782
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1841
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽492
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6058
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽16918
-₽14353
-₽15231
-₽31285
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
7 305
national
-
-
-
3 150
regional
-
-
-
277
municipal
-
-
-
109
total
-
-
-
10 841
Employee
52 284
-
21 000
-
social contributions
17 631
-
9 576
-
municipal
277
-
91
-
national
8 283
-
2 628
-
regional
704
-
233
-
total
26 895
-
12 528
-
Employer
52 284
-
21 000
-
total
-
-
-
-
Corporate
-
21 000
-
-
nationa
-
5 040
-
-
municipal
-
1 045
-
-
total
-
6 085
-
-
Dividends
-
14 915
-
-
withholding
-
3 878
-
-
total
-
3 878
-
-
Income
21 000
21 000
21 000
21 000
Total tax
26 895
9 963
12 528
10 841
After tax
-5 895
11 037
8 472
10 159
Living cost
25 390
25 390
25 390
25 390
Free-cash
-31 285
-14 353
-16 918
-15 231

Estimated living cost  is ₽25390 per week

₽15790
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2572
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽435
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6593
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽17974
-₽14172
-₽18402
-₽35418
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
42 104
-
15 672
-
social contributions
2 737
-
1 019
-
solidarity contribution
-
-
-
-
income
5 052
-
1 881
-
health
5 684
-
2 116
-
total
13 473
-
5 016
-
Employer
42 104
-
15 672
-
health
3 789
-
1 410
-
social contributions
10 526
-
3 918
-
total
14 315
-
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
27 788
6 542
10 344
10 772
After tax
-6 788
14 458
10 656
10 228
Living cost
28 630
28 630
28 630
28 630
Free-cash
-35 418
-14 172
-17 974
-18 402

Estimated living cost  is ₽28630 per week

₽21291
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1586
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.
₽5258
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽24682
-₽30348
-₽20426
-₽32952
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
1 606
income
-
-
-
-
chamber of commerce
-
-
-
84
pensions
-
-
-
3 885
surtax
-
-
-
-
unemployment
-
-
-
5 781
total
-
-
-
11 356
Employee
41 201
37 562
37 562
-
income
3 670
2 771
4 057
-
other
411
376
150
-
pensions
4 219
3 846
1 538
-
health
1 594
1 454
581
-
unemployment
1 236
1 127
451
-
total
11 130
9 574
6 777
-
Employer
41 201
37 562
37 562
-
other
1 957
1 783
1 592
-
unemployment
1 236
1 127
451
-
health
1 558
1 420
569
-
surtax
-
-
-
-
accident
535
488
195
-
pensions
5 171
4 715
1 887
-
payroll
1 236
1 127
1 127
-
chamber of commerce
165
150
150
-
total
11 858
10 810
5 971
-
Corporate
3 577
3 577
11 452
-
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.

894
894
2 864
-
total
894
894
2 864
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
21 000
21 000
21 000
21 000
Total tax
23 882
21 278
15 612
11 356
After tax
-2 882
-278
5 388
9 644
Living cost
30 070
30 070
30 070
30 070
Free-cash
-32 952
-30 348
-24 682
-20 426

Estimated living cost  is ₽30070 per week

₽18038
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3071
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽537
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8425
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽4629
₽7779
₽8619
₽5497
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
15 214
-
21 000
-
income
3 043
-
4 200
-
total
3 043
-
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%.

5 786
21 000
-
-
total
-
-
-
-
Dividends
5 786
21 000
-
-
withholding
289
1 050
-
-
total
289
1 050
-
-
Income
21 000
21 000
21 000
21 000
Total tax
3 332
1 050
4 200
210
After tax
17 668
19 950
16 800
20 790
Living cost
12 171
12 171
12 171
12 171
Free-cash
5 497
7 779
4 629
8 619

Estimated living cost  is ₽12171 per week

₽8236
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽511
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽408
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3015
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽13388
-₽10822
-₽12705
-₽27170
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
2 489
pensions
-
-
-
3 835
unemployment
-
-
-
32
total
-
-
-
8 424
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.

41 679
-
18 172
-
income
7 188
-
2 264
-
pensions
6 461
-
2 817
-
health
2 692
-
1 173
-
unemployment
59
-
25
-
total
16 400
-
6 279
-
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.

41 679
-
18 172
-
unemployment
25
-
11
-
health
2 776
-
1 209
-
pensions
3 688
-
1 608
-
total
6 489
-
2 828
-
Corporate
-
21 000
-
-
income
-
3 990
-
-
total
-
3 990
-
-
Dividends
-
17 010
-
-
withholding
-
2 551
-
-
total
-
2 551
-
-
Income
21 000
21 000
21 000
21 000
Total tax
22 889
6 541
9 107
8 424
After tax
-1 889
14 459
11 893
12 576
Living cost
25 281
25 281
25 281
25 281
Free-cash
-27 170
-10 822
-13 388
-12 705

Estimated living cost  is ₽25281 per week

₽17350
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1621
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽490
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5822
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽36317
-₽29804
-₽28067
-₽126139
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
61 054
-
8 689
-
social contributions
5 006
-
713
-
income
13 467
-
1 755
-
total
18 473
-
2 468
-
Employer
61 054
-
8 689
-
social contributions
86 086
-
12 269
-
total
86 086
-
12 269
-
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
104 559
8 224
14 737
6 487
After tax
-83 559
12 776
6 263
14 513
Living cost
42 580
42 580
42 580
42 580
Free-cash
-126 139
-29 804
-36 317
-28 067

Estimated living cost  is ₽42580 per week

₽27628
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4005
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.
₽10405
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽16856
-₽17620
-₽17087
-₽32645
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
7 298
income
-
-
-
1 225
surtax
-
-
-
-
total
-
-
-
8 523
Employee
43 349
-
16 970
-
surtax
-
-
-
-
social contributions
4 769
-
1 867
-
income
9 017
-
2 395
-
total
13 786
-
4 262
-
Employer
43 349
-
16 970
-
social contributions
10 295
-
4 030
-
total
10 295
-
4 030
-
Corporate
-
21 000
-
-
surtax
-
-
-
-
income
-
4 411
-
-
total
-
4 411
-
-
Dividends
-
16 589
-
-
withholding
-
4 645
-
-
total
-
4 645
-
-
Income
21 000
21 000
21 000
21 000
Total tax
24 081
9 056
8 292
8 523
After tax
-3 081
11 944
12 708
12 477
Living cost
29 564
29 564
29 564
29 564
Free-cash
-32 645
-17 620
-16 856
-17 087

Estimated living cost  is ₽29564 per week

₽22120
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1744
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽494
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5207
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽31786
-₽34938
-₽32976
-₽56469
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
other
-
-
-
651
social contributions
-
-
-
599
health
-
-
-
252
income
-
-
-
-
pensions
-
-
-
6 951
surtax
-
-
-
-
total
-
-
-
8 453
Employee
59 033
-
16 003
-
surtax
-
-
-
-
social contributions
1 681
-
456
-
income
5 151
-
-
-
pensions
6 677
-
1 810
-
total
13 509
-
2 266
-
Employer
59 033
-
16 003
-
other
2 037
-
553
-
unemployment
2 391
-
647
-
health
4 132
-
1 120
-
pensions
9 700
-
2 629
-
social contributions
177
-
48
-
total
18 437
-
4 997
-
Corporate
-
21 000
-
-
surtax
-
-
-
-
income
-
5 879
-
-
total
-
5 879
-
-
Dividends
-
15 121
-
-
social contributions
-
2 601
-
-
surtax
-
-
-
-
withholding
-
1 935
-
-
total
-
4 536
-
-
Income
21 000
21 000
21 000
21 000
Total tax
31 946
10 415
7 263
8 453
After tax
-10 946
10 585
13 737
12 547
Living cost
45 523
45 523
45 523
45 523
Free-cash
-56 469
-34 938
-31 786
-32 976

Estimated living cost  is ₽45523 per week

₽30809
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3724
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽624
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10365
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽11333
-₽9432
-₽11952
-₽13998
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
-
social contributions
-
-
-
4 620
total
-
-
-
4 620
Employee
30 302
-
18 181
-
income
-
-
-
-
social contributions
1 969
-
1 182
-
total
1 969
-
1 182
-
Employer
30 302
-
18 181
-
social contributions
4 697
-
2 819
-
total
4 697
-
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
6 666
2 100
4 001
4 620
After tax
14 334
18 900
16 999
16 380
Living cost
28 332
28 332
28 332
28 332
Free-cash
-13 998
-9 432
-11 333
-11 952

Estimated living cost  is ₽28332 per week

₽18319
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2136
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽533
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7344
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽184077
-₽184077
-₽29573
-₽184077
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
labour market
-
-
-
1 615
pensions
-
-
-
816
national
-
-
-
1 113
municipal
-
-
-
1 698
total
-
-
-
5 242
Employee
191 330
191 330
191 330
-
labour market
15 285
15 285
15 285
-
municipal
40 743
40 743
40 743
-
national
23 374
23 374
23 374
-
pensions
272
272
272
-
total
79 674
79 674
79 674
-
Employer
191 330
191 330
191 330
-
national
23 415
23 415
23 415
-
labour market
15 306
15 306
15 306
-
pensions
544
544
544
-
municipal
40 807
40 807
40 807
-
total
80 072
80 072
80 072
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
21 000
21 000
21 000
21 000
Total tax
159 746
159 746
159 746
5 242
After tax
-138 746
-138 746
-138 746
15 758
Living cost
45 331
45 331
45 331
45 331
Free-cash
-184 077
-184 077
-184 077
-29 573

Estimated living cost  is ₽45331 per week

₽31025
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4010
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽697
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9599
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽9439
-₽18830
-₽8685
-₽17878
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
other
-
-
-
351
health
-
-
-
2 066
accident
-
-
-
239
income
-
-
-
2 557
pensions
-
-
-
3 941
total
-
-
-
9 154
Employee
32 297
-
17 445
-
income
4 431
-
2 393
-
pensions
3 637
-
1 964
-
health
3 698
-
1 997
-
total
11 766
-
6 354
-
Employer
32 297
-
17 445
-
unemployment
791
-
427
-
accident
539
-
291
-
pensions
5 251
-
2 836
-
total
6 581
-
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
18 347
19 299
9 908
9 154
After tax
2 653
1 701
11 092
11 846
Living cost
20 531
20 531
20 531
20 531
Free-cash
-17 878
-18 830
-9 439
-8 685

Estimated living cost  is ₽20531 per week

₽14945
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1170
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.
₽4031
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽22896
-₽21655
-₽18966
-₽37945
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
-
national
-
-
-
-
municipal
-
-
-
3 779
total
-
-
-
3 779
Employee
49 589
-
17 666
-
municipal
8 122
-
2 917
-
national
819
-
-
-
pensions
3 347
-
1 193
-
health
370
-
-
-
unemployment
744
-
265
-
total
13 402
-
4 375
-
Employer
49 589
-
17 666
-
unemployment
322
-
114
-
health
381
-
136
-
accident
50
-
18
-
pensions
8 603
-
3 066
-
total
9 356
-
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
22 758
6 468
7 709
3 779
After tax
-1 758
14 532
13 291
17 221
Living cost
36 187
36 187
36 187
36 187
Free-cash
-37 945
-21 655
-22 896
-18 966

Estimated living cost  is ₽36187 per week

₽23637
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3481
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽576
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8494
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽13895
-₽22134
-₽7326
-₽15365
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 831
social contributions
-
-
-
5 590
health
-
-
-
914
income
-
-
-
-
total
-
-
-
6 504
Employee
72 477
72 477
72 477
-
social contributions
2 740
6 015
2 028
-
income
7 891
6 709
8 149
-
health
562
1 232
415
-
total
11 193
13 956
10 592
-
Employer
72 477
72 477
72 477
-
health
610
1 341
453
-
social contributions
2 740
6 015
2 028
-
total
3 350
7 356
2 481
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
21 000
21 000
21 000
21 000
Total tax
14 543
21 312
13 073
6 504
After tax
6 457
-312
7 927
14 496
Living cost
21 822
21 822
21 822
21 822
Free-cash
-15 365
-22 134
-13 895
-7 326

Estimated living cost  is ₽21822 per week

₽13079
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.
₽483
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6121
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽1797
₽2423
-₽4440
-₽2861
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
3 411
income
-
-
-
1 041
pensions
-
-
-
5 996
unemployment
-
-
-
27
total
-
-
-
10 475
Employee

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

21 634
-
19 040
-
income
1 479
-
1 302
-
pensions
3 245
-
2 856
-
health
1 839
-
1 619
-
unemployment
107
-
95
-
total
6 670
-
5 872
-
Employer

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

21 634
-
19 040
-
unemployment
107
-
95
-
health
930
-
819
-
pensions
1 189
-
1 046
-
total
2 226
-
1 960
-
Corporate
-
21 000
-
-
income
-
1 891
-
-
total
-
1 891
-
-
Dividends
-
19 109
-
-
withholding
-
1 721
-
-
total
-
1 721
-
-
Income
21 000
21 000
21 000
21 000
Total tax
8 896
3 612
7 832
10 475
After tax
12 104
17 388
13 168
10 525
Living cost
14 965
14 965
14 965
14 965
Free-cash
-2 861
2 423
-1 797
-4 440

Estimated living cost  is ₽14965 per week

₽9548
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1079
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽445
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3892
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽18654
-₽11603
-₽14013
-₽24960
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
other
-
-
-
21
accident
-
-
-
190
income
-
-
-
2 792
pensions
-
-
-
5 944
unemployment
-
-
-
147
total
-
-
-
9 094
Employee
34 851
-
10 966
-
income
6 719
-
1 703
-
other
34
-
32
-
pensions
1 638
-
1 479
-
unemployment
540
-
488
-
total
8 931
-
3 702
-
Employer
34 851
-
10 966
-
other
279
-
252
-
unemployment
1 917
-
1 731
-
accident
690
-
622
-
pensions
8 224
-
7 428
-
total
11 110
-
10 033
-
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.

-
3 150
-
-
total
-
3 150
-
-
Dividends
-
17 850
-
-
withholding
-
3 534
-
-
total
-
3 534
-
-
Income
21 000
21 000
21 000
21 000
Total tax
20 041
6 684
13 735
9 094
After tax
959
14 316
7 265
11 906
Living cost
25 919
25 919
25 919
25 919
Free-cash
-24 960
-11 603
-18 654
-14 013

Estimated living cost  is ₽25919 per week

₽17495
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2492
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽454
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5479
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽10769
₽11366
₽10891
₽11082
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
919
income
-
-
-
6 184
pensions
-
-
-
1 268
total
-
-
-
8 371
Employee
2 647
-
19 574
-
income
512
-
6 117
-
pensions
238
-
570
-
health
132
-
317
-
unemployment
26
-
63
-
total
908
-
7 067
-
Employer
2 647
-
19 574
-
unemployment
53
-
127
-
health
251
-
602
-
pensions
291
-
697
-
total
595
-
1 426
-
Corporate
17 757
21 000
-
-
income
3 907
4 620
-
-
total
3 907
4 620
-
-
Dividends
13 851
16 380
-
-
withholding
2 770
3 276
-
-
total
2 770
3 276
-
-
Income
21 000
21 000
21 000
21 000
Total tax
8 180
7 896
8 493
8 371
After tax
12 820
13 104
12 507
12 629
Living cost
1 738
1 738
1 738
1 738
Free-cash
11 082
11 366
10 769
10 891

Estimated living cost  is ₽1738 per week

₽1033
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽141
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽40
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽524
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽4048
-₽1108
-₽4951
-₽7943
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
1 733
pensions
-
-
-
5 460
unemployment
-
-
-
315
total
-
-
-
9 671
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.

24 549
-
17 812
-
income
3 384
-
2 035
-
pensions
3 437
-
2 494
-
health
1 264
-
917
-
unemployment
184
-
134
-
total
8 269
-
5 580
-
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.

24 549
-
17 812
-
unemployment
184
-
134
-
health
1 264
-
917
-
pensions
2 946
-
2 137
-
total
4 394
-
3 188
-
Corporate
-
21 000
-
-
income
-
3 150
-
-
total
-
3 150
-
-
Dividends
-
17 850
-
-
withholding
-
2 678
-
-
total
-
2 678
-
-
Income
21 000
21 000
21 000
21 000
Total tax
12 663
5 828
8 768
9 671
After tax
8 337
15 172
12 232
11 329
Living cost
16 280
16 280
16 280
16 280
Free-cash
-7 943
-1 108
-4 048
-4 951

Estimated living cost  is ₽16280 per week

₽10961
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1259
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽471
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3588
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Belgrade model

Close
Porto , Portugal
-₽12702
-₽13466
-₽12933
-₽24269
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
7 298
income
-
-
-
1 225
surtax
-
-
-
-
total
-
-
-
8 523
Employee
36 582
-
16 970
-
surtax
-
-
-
-
social contributions
4 024
-
1 867
-
income
7 148
-
2 395
-
total
11 172
-
4 262
-
Employer
36 582
-
16 970
-
social contributions
8 687
-
4 030
-
total
8 687
-
4 030
-
Corporate
-
21 000
-
-
surtax
-
-
-
-
income
-
4 411
-
-
total
-
4 411
-
-
Dividends
-
16 589
-
-
withholding
-
4 645
-
-
total
-
4 645
-
-
Income
21 000
21 000
21 000
21 000
Total tax
19 859
9 056
8 292
8 523
After tax
1 141
11 944
12 708
12 477
Living cost
25 410
25 410
25 410
25 410
Free-cash
-24 269
-13 466
-12 702
-12 933

Estimated living cost  is ₽25410 per week

₽17997
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1765
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽451
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5198
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽25860
-₽18809
-₽21219
-₽39035
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
other
-
-
-
21
accident
-
-
-
190
income
-
-
-
2 792
pensions
-
-
-
5 944
unemployment
-
-
-
147
total
-
-
-
9 094
Employee
45 520
-
10 966
-
income
9 508
-
1 703
-
other
45
-
32
-
pensions
2 139
-
1 479
-
unemployment
705
-
488
-
total
12 397
-
3 702
-
Employer
45 520
-
10 966
-
other
365
-
252
-
unemployment
2 504
-
1 731
-
accident
901
-
622
-
pensions
10 743
-
7 428
-
total
14 513
-
10 033
-
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.

-
3 150
-
-
total
-
3 150
-
-
Dividends
-
17 850
-
-
withholding
-
3 534
-
-
total
-
3 534
-
-
Income
21 000
21 000
21 000
21 000
Total tax
26 910
6 684
13 735
9 094
After tax
-5 910
14 316
7 265
11 906
Living cost
33 125
33 125
33 125
33 125
Free-cash
-39 035
-18 809
-25 860
-21 219

Estimated living cost  is ₽33125 per week

₽23789
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2576
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽467
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6294
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽2756
₽1941
-₽3771
-₽4365
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
2 415
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
-
-
-
8 757
Employee
21 205
-
17 555
-
income
2 121
-
1 756
-
accident

We are using the highest rate at 1.1%.

233
-
193
-
pensions

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

1 862
-
1 541
-
health
975
-
807
-
total
5 191
-
4 297
-
Employer
21 205
-
17 555
-
unemployment
127
-
106
-
health
1 463
-
1 211
-
accident

We are using the highest rate at 1.1%.

233
-
193
-
pensions

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

2 337
-
1 935
-
total
4 160
-
3 445
-
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
9 351
3 045
7 742
8 757
After tax
11 649
17 955
13 258
12 243
Living cost
16 014
16 014
16 014
16 014
Free-cash
-4 365
1 941
-2 756
-3 771

Estimated living cost  is ₽16014 per week

₽10591
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽917
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽382
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4124
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽21828
-₽25342
-₽21828
-₽25897
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
6 439
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.

-
-
-
-
trade
-
-
-
-
total
-
-
-
6 439
Employee

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

46 897
-
21 000
-
surtax

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

213
-
-
-
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.

3 856
-
-
-
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.

6 439
-
6 439
-
total
10 508
-
6 439
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
21 000
-
-
chamber of commerce
-
173
-
-
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.

-
173
-
-
trade
-
3 014
-
-
income
-
3 150
-
-
total
-
6 510
-
-
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
10 508
9 953
6 439
6 439
After tax
10 492
11 047
14 561
14 561
Living cost
36 389
36 389
36 389
36 389
Free-cash
-25 897
-25 342
-21 828
-21 828

Estimated living cost  is ₽36389 per week

₽25102
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.
₽528
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6843
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽34422
-₽38993
-₽34422
-₽52728
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
1 248
social contributions
-
-
-
483
total
-
-
-
1 731
Employee
73 728
-
21 000
-
income
13 912
-
1 248
-
social contributions
6 125
-
483
-
total
20 037
-
1 731
-
Employer
73 728
-
21 000
-
total
-
-
-
-
Corporate
-
21 000
-
-
income
-
2 626
-
-
total
-
2 626
-
-
Dividends
-
18 374
-
-
withholding
-
3 676
-
-
total
-
3 676
-
-
Income
21 000
21 000
21 000
21 000
Total tax
20 037
6 302
1 731
1 731
After tax
963
14 698
19 269
19 269
Living cost
53 691
53 691
53 691
53 691
Free-cash
-52 728
-38 993
-34 422
-34 422

Estimated living cost  is ₽53691 per week

₽40847
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4375
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽513
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7956
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽17172
-₽23378
-₽45852
-₽29384
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
26 830
health

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

-
-
-
5 808
total
-
-
-
32 638
Employee
43 238
-
19 088
-
income
4 692
-
134
-
social contributions
4 332
-
1 912
-
total
9 024
-
2 046
-
Employer
43 238
-
19 088
-
social contributions
4 332
-
1 912
-
total
4 332
-
1 912
-
Corporate
-
21 000
-
-
income
-
7 350
-
-
total
-
7 350
-
-
Dividends
-
13 650
-
-
social contributions
2 814
2 814
-
-
total
2 814
2 814
-
-
Income
21 000
21 000
21 000
21 000
Total tax
16 170
10 164
3 958
32 638
After tax
4 830
10 836
17 042
-11 638
Living cost
34 214
34 214
34 214
34 214
Free-cash
-29 384
-23 378
-17 172
-45 852

Estimated living cost  is ₽34214 per week

₽22537
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2697
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽524
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8455
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽19172
-₽18910
-₽18109
-₽32260
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
4 133
pensions
-
-
-
333
total
-
-
-
4 466
Employee
47 553
-
19 671
-
income
8 660
-
3 868
-
health
620
-
49
-
pensions
3 629
-
283
-
total
12 909
-
4 200
-
Employer
47 553
-
19 671
-
health
904
-
374
-
pensions
4 804
-
955
-
total
5 708
-
1 329
-
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.

-
3 991
-
-
total
-
3 991
-
-
Dividends
-
17 009
-
-
withholding
-
1 276
-
-
total
-
1 276
-
-
Income
21 000
21 000
21 000
21 000
Total tax
18 617
5 267
5 529
4 466
After tax
2 383
15 733
15 471
16 534
Living cost
34 643
34 643
34 643
34 643
Free-cash
-32 260
-18 910
-19 172
-18 109

Estimated living cost  is ₽34643 per week

₽23765
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3186
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽433
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7257
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽11472
-₽20863
-₽10718
-₽21728
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
other
-
-
-
351
health
-
-
-
2 066
accident
-
-
-
239
income
-
-
-
2 557
pensions
-
-
-
3 941
total
-
-
-
9 154
Employee
35 494
-
17 445
-
income
4 870
-
2 393
-
pensions
3 997
-
1 964
-
health
4 064
-
1 997
-
total
12 931
-
6 354
-
Employer
35 494
-
17 445
-
unemployment
869
-
427
-
accident
593
-
291
-
pensions
5 771
-
2 836
-
total
7 233
-
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
20 164
19 299
9 908
9 154
After tax
836
1 701
11 092
11 846
Living cost
22 564
22 564
22 564
22 564
Free-cash
-21 728
-20 863
-11 472
-10 718

Estimated living cost  is ₽22564 per week

₽16559
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1315
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.
₽4235
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽411
₽5136
₽411
₽559
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
work injury
-
-
-
105
pensions
-
-
-
3 864
unemployment
-
-
-
252
total
-
-
-
7 875
Employee

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

20 343
-
21 000
-
income
2 034
-
2 100
-
work injury
102
-
105
-
health insurance
1 505
-
1 554
-
pensions
3 743
-
3 864
-
unemployment
244
-
252
-
total
7 628
-
7 875
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
657
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
657
21 000
-
-
withholding
99
3 150
-
-
total
99
3 150
-
-
Income
21 000
21 000
21 000
21 000
Total tax
7 727
3 150
7 875
7 875
After tax
13 273
17 850
13 125
13 125
Living cost
12 714
12 714
12 714
12 714
Free-cash
559
5 136
411
411

Estimated living cost  is ₽12714 per week

₽7877
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽924
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽397
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3517
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Skopje model

Close
Rome , Italy
-₽29051
-₽26487
-₽27362
-₽58424
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
7 305
national
-
-
-
3 150
regional
-
-
-
236
municipal
-
-
-
123
total
-
-
-
10 814
Employee
79 424
-
21 000
-
social contributions
26 781
-
9 576
-
municipal
474
-
102
-
national
13 422
-
2 628
-
regional
1 199
-
197
-
total
41 876
-
12 503
-
Employer
79 424
-
21 000
-
total
-
-
-
-
Corporate
-
21 000
-
-
nationa
-
5 040
-
-
municipal
-
1 012
-
-
total
-
6 052
-
-
Dividends
-
14 947
-
-
withholding
-
3 887
-
-
total
-
3 887
-
-
Income
21 000
21 000
21 000
21 000
Total tax
41 876
9 939
12 503
10 814
After tax
-20 876
11 061
8 497
10 186
Living cost
37 548
37 548
37 548
37 548
Free-cash
-58 424
-26 487
-29 051
-27 362

Estimated living cost  is ₽37548 per week

₽26375
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2583
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽567
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8022
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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

Close
[[ place.name ]], [[ place.country ]]

[[ row[2] ]] [[ row[0] ]]

Estimated living cost

Adjust living cost [[ detailsButtonText ]] Source

Additional information

Source

[[ $tc('message.data_source', {city: place.name}) ]] [[ place.name ]]

Close

[[ row[2] ]] [[ row[0] ]]

Estimated living cost

Adjust living cost [[ detailsButtonText ]] Source

Additional information

Source

[[ $tc('message.data_source', {city: place.name}) ]] [[ place.name ]]

Close