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
-₽14971
-₽17655
-₽13911
-₽13911
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
trade
-
-
-
-
income

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

-
-
-
-
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.

-
-
-
6 425
surtax

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

-
-
-
-
total
-
-
-
6 425
Employee

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

35 971
-
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
-
-
-
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.

6 425
-
6 425
-
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.

1 005
-
-
-
total
7 485
-
6 425
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
21 000
-
-
trade
-
3 307
-
-
income
-
3 150
-
-
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
-
-
chamber of commerce
-
173
-
-
total
-
6 803
-
-
Dividends
-
14 197
-
-
withholding
-
3 191
-
-
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
-
-
total
-
3 366
-
-
Income
21 000
21 000
21 000
21 000
Total tax
7 485
10 169
6 425
6 425
After tax
13 515
10 831
14 575
14 575
Living cost
28 486
28 486
28 486
28 486
Free-cash
-14 971
-17 655
-13 911
-13 911

Estimated living cost  is ₽28486 per week

₽17919
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3321
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽532
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6714
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽60925
-₽35348
-₽33237
-₽33403
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
municipal
-
-
-
1 257
national
-
-
-
1 948
total
-
-
-
5 951
Employee
75 109
-
18 154
-
national
14 376
-
2 074
-
municipal
9 277
-
1 338
-
pensions
3 004
-
726
-
total
26 657
-
4 138
-
Employer
75 109
-
18 154
-
pensions
6 009
-
1 452
-
social contributions
807
-
195
-
total
6 816
-
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
33 473
7 896
5 785
5 951
After tax
-12 473
13 104
15 215
15 049
Living cost
48 452
48 452
48 452
48 452
Free-cash
-60 925
-35 348
-33 237
-33 403

Estimated living cost  is ₽48452 per week

₽32932
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4504
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽725
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10290
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽13101
-₽2765
-₽7516
-₽4677
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
2 961
income
-
-
-
-
microenterprise
-
-
-
3 150
surtax
-
-
-
-
total
-
-
-
6 111
Employee
27 481
-
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.

3 023
-
1 861
-
income
4 892
-
3 013
-
total
7 915
-
4 874
-
Employer
27 481
-
16 924
-
social contributions

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

6 620
-
4 076
-
surtax
-
-
-
-
total
6 620
-
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%.

-
4 199
-
-
total
-
4 199
-
-
Dividends

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

-
16 801
-
-
total
-
-
-
-
Income
21 000
21 000
21 000
21 000
Total tax
14 535
4 199
8 950
6 111
After tax
6 465
16 801
12 050
14 889
Living cost
19 566
19 566
19 566
19 566
Free-cash
-13 101
-2 765
-7 516
-4 677

Estimated living cost  is ₽19566 per week

₽12482
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1863
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽444
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4776
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽72391
-₽67112
-₽72391
-₽27291
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
1 890
pensions
-
-
-
3 780
health
-
-
-
3 223
total
-
-
-
8 893
Employee
80 312
80 312
80 312
-
health
12 327
10 485
12 327
-
pensions
14 456
11 019
14 456
-
income

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

13 146
13 146
13 146
-
total
39 929
34 650
39 929
-
Employer
80 312
80 312
80 312
-
pensions
5 590
5 590
5 590
-
unemployment
2 891
2 891
2 891
-
health
5 583
5 583
5 583
-
total
14 064
14 064
14 064
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Income
21 000
21 000
21 000
21 000
Total tax
53 993
48 714
53 993
8 893
After tax
-32 993
-27 714
-32 993
12 107
Living cost
39 398
39 398
39 398
39 398
Free-cash
-72 391
-67 112
-72 391
-27 291

Estimated living cost  is ₽39398 per week

₽27920
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3552
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽626
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7299
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽52206
-₽27627
-₽27879
-₽28624
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
unemployment
-
-
-
21
pensions
-
-
-
2 270
municipal
-
-
-
4 448
accident
-
-
-
42
national
-
-
-
-
health
-
-
-
1 310
total
-
-
-
10 531
Employee
55 703
-
15 979
-
national
-
-
-
-
municipal
16 611
-
4 765
-
total
16 611
-
4 765
-
Employer
55 703
-
15 979
-
other
6 473
-
1 857
-
accident
111
-
32
-
pensions
6 021
-
1 727
-
unemployment
1 471
-
422
-
health
3 426
-
983
-
total
17 502
-
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
34 113
9 534
9 786
10 531
After tax
-13 113
11 466
11 214
10 469
Living cost
39 093
39 093
39 093
39 093
Free-cash
-52 206
-27 627
-27 879
-28 624

Estimated living cost  is ₽39093 per week

₽25909
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3836
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽594
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8754
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽26693
-₽26224
-₽22370
-₽22370
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
trade
-
-
-
-
income

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

-
-
-
-
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.

-
-
-
6 425
surtax

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

-
-
-
-
total
-
-
-
6 425
Employee

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

47 693
-
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
-
-
-
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.

6 425
-
6 425
-
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.

4 098
-
-
-
total
10 748
-
6 425
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
21 000
-
-
trade
-
3 455
-
-
income
-
3 150
-
-
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
-
-
chamber of commerce
-
173
-
-
total
-
6 951
-
-
Dividends
-
14 049
-
-
withholding
-
3 155
-
-
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
-
-
total
-
3 328
-
-
Income
21 000
21 000
21 000
21 000
Total tax
10 748
10 279
6 425
6 425
After tax
10 252
10 721
14 575
14 575
Living cost
36 945
36 945
36 945
36 945
Free-cash
-26 693
-26 224
-22 370
-22 370

Estimated living cost  is ₽36945 per week

₽24709
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3896
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.
₽7788
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽25628
-₽30771
-₽22549
-₽15993
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 752
social contributions
-
-
-
5 577
income
-
-
-
-
health
-
-
-
912
total
-
-
-
6 489
Employee
72 317
72 317
72 317
-
health
719
1 230
414
-
social contributions
3 514
6 002
2 024
-
income
7 594
6 694
8 131
-
total
11 827
13 926
10 569
-
Employer
72 317
72 317
72 317
-
social contributions
3 514
6 002
2 024
-
health
783
1 339
452
-
total
4 297
7 341
2 476
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
21 000
21 000
21 000
21 000
Total tax
16 124
21 267
13 045
6 489
After tax
4 876
-267
7 955
14 511
Living cost
30 504
30 504
30 504
30 504
Free-cash
-25 628
-30 771
-22 549
-15 993

Estimated living cost  is ₽30504 per week

₽20853
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2383
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽512
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6757
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽9187
-₽5392
-₽5326
-₽2952
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
unemployment
-
-
-
315
income
-
-
-
2 567
pensions
-
-
-
2 100
health
-
-
-
1 470
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.

25 262
10 054
17 573
-
unemployment
379
151
264
-
health
1 768
704
1 230
-
pensions
2 526
1 005
1 757
-
income
3 088
1 229
2 148
-
total
7 761
3 089
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.

25 262
10 054
17 573
-
pensions
4 926
1 960
3 427
-
total
4 926
1 960
3 427
-
Corporate
-
8 986
-
-
income
-
809
-
-
total
-
809
-
-
Dividends
-
8 177
-
-
withholding
-
1 554
-
-
social contributions
-
1 480
-
-
total
-
3 034
-
-
Income
21 000
21 000
21 000
21 000
Total tax
12 687
8 892
8 826
6 452
After tax
8 313
12 108
12 174
14 548
Living cost
17 500
17 500
17 500
17 500
Free-cash
-9 187
-5 392
-5 326
-2 952

Estimated living cost  is ₽17500 per week

₽11942
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1432
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽350
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3776
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽14699
-₽5915
-₽8471
-₽9321
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
673
pensions
-
-
-
4 201
health
-
-
-
2 731
total
-
-
-
7 605
Employee
26 680
-
15 696
-
unemployment
427
-
252
-
pensions
534
-
314
-
income
3 004
-
885
-
total
3 965
-
1 451
-
Employer
26 680
-
15 696
-
pensions
5 336
-
3 139
-
unemployment
214
-
125
-
health
3 468
-
2 040
-
total
9 018
-
5 304
-
Corporate
-
21 000
-
-
income
-
4 199
-
-
total
-
4 199
-
-
Dividends
-
16 801
-
-
total
-
-
-
-
Income
21 000
21 000
21 000
21 000
Total tax
12 983
4 199
6 755
7 605
After tax
8 017
16 801
14 245
13 395
Living cost
22 716
22 716
22 716
22 716
Free-cash
-14 699
-5 915
-8 471
-9 321

Estimated living cost  is ₽22716 per week

₽15581
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1353
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.
₽5326
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽18987
-₽19416
-₽10025
-₽9343
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
356
income
-
-
-
2 541
pensions
-
-
-
3 994
accident
-
-
-
242
health
-
-
-
2 093
total
-
-
-
9 226
Employee
33 217
-
17 445
-
health
3 803
-
1 997
-
pensions
3 740
-
1 964
-
income
4 557
-
2 393
-
total
12 100
-
6 354
-
Employer
33 217
-
17 445
-
accident
555
-
291
-
pensions
5 401
-
2 836
-
unemployment
814
-
427
-
total
6 770
-
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
18 870
19 299
9 908
9 226
After tax
2 130
1 701
11 092
11 774
Living cost
21 117
21 117
21 117
21 117
Free-cash
-18 987
-19 416
-10 025
-9 343

Estimated living cost  is ₽21117 per week

₽15477
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.
₽441
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4030
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽10830
₽12270
₽9120
₽13110
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
9 600
-
21 000
-
income
1 920
-
4 200
-
total
1 920
-
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%.

11 400
21 000
-
-
total
-
-
-
-
Dividends
11 400
21 000
-
-
withholding
570
1 050
-
-
total
570
1 050
-
-
Income
21 000
21 000
21 000
21 000
Total tax
2 490
1 050
4 200
210
After tax
18 510
19 950
16 800
20 790
Living cost
7 680
7 680
7 680
7 680
Free-cash
10 830
12 270
9 120
13 110

Estimated living cost  is ₽7680 per week

₽4759
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽638
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽211
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2071
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽21754
-₽9632
-₽12753
-₽13688
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
income
-
-
-
2 666
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.

-
-
-
5 040
health
-
-
-
924
total
-
-
-
9 628
Employee
34 147
-
16 774
-
unemployment
341
-
168
-
health
478
-
236
-
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.

2 390
-
1 174
-
income
5 879
-
2 888
-
total
9 088
-
4 466
-
Employer
34 147
-
16 774
-
other
1 708
-
837
-
accident
273
-
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.

5 806
-
2 852
-
unemployment
341
-
168
-
health
478
-
236
-
total
8 606
-
4 227
-
Corporate
-
21 000
-
-
income
-
4 410
-
-
total
-
4 410
-
-
Dividends
-
16 590
-
-
withholding
-
1 162
-
-
total
-
1 162
-
-
Income
21 000
21 000
21 000
21 000
Total tax
17 694
5 572
8 693
9 628
After tax
3 306
15 428
12 307
11 372
Living cost
25 060
25 060
25 060
25 060
Free-cash
-21 754
-9 632
-12 753
-13 688

Estimated living cost  is ₽25060 per week

₽17706
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1692
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽403
Clothing and shoes. We estimate one pair of shoes and 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 Bratislava model

Close
London , United Kingdom
-₽78935
-₽46386
-₽46660
-₽45591
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
4 132
pensions
-
-
-
340
total
-
-
-
4 472
Employee
87 889
-
19 664
-
health
1 448
-
49
-
pensions
8 479
-
293
-
income
15 843
-
3 864
-
total
25 770
-
4 206
-
Employer
87 889
-
19 664
-
pensions
10 377
-
961
-
health
1 669
-
374
-
total
12 046
-
1 335
-
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
37 816
5 267
5 541
4 472
After tax
-16 816
15 733
15 459
16 528
Living cost
62 119
62 119
62 119
62 119
Free-cash
-78 935
-46 386
-46 660
-45 591

Estimated living cost  is ₽62119 per week

₽46547
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽7299
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽505
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7769
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details

Additional information

The only visa which will gain you entry to the UK as a freelancer is Tier 1 (with an exception of EU nationals or long-term UK residence permit holders, up until Brexit). There are two Tier 1 visa pathways.

You can either apply for an Entrepreneur visa which requires an investment of at least £200000 and creating two full time jobs, or choose an Exceptional Talent visa, which has no financial requirements but is more difficult to obtain.

Source of data for London model

Close
Varna , Bulgaria
₽1251
₽5622
₽924
-₽90
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
unemployment
-
-
-
84
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
health
-
-
-
2 415
total
-
-
-
8 757
Employee
16 330
-
17 556
-
accident

We are using the highest rate at 1.1%.

180
-
193
-
health
751
-
808
-
pensions

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

1 434
-
1 542
-
income
1 633
-
1 756
-
total
3 998
-
4 299
-
Employer
16 330
-
17 556
-
accident

We are using the highest rate at 1.1%.

180
-
193
-
pensions

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

1 800
-
1 935
-
unemployment
98
-
105
-
health
1 127
-
1 211
-
total
3 205
-
3 444
-
Corporate
1 465
21 000
-
-
income
147
2 100
-
-
total
147
2 100
-
-
Dividends
1 318
18 900
-
-
withholding
66
945
-
-
total
66
945
-
-
Income
21 000
21 000
21 000
21 000
Total tax
7 416
3 045
7 743
8 757
After tax
13 584
17 955
13 257
12 243
Living cost
12 333
12 333
12 333
12 333
Free-cash
1 251
5 622
924
-90

Estimated living cost  is ₽12333 per week

₽7200
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽881
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽327
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3925
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽81459
-₽79864
-₽85143
-₽40043
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
1 890
pensions
-
-
-
3 780
health
-
-
-
3 223
total
-
-
-
8 893
Employee
87 193
80 312
80 312
-
health
10 878
10 485
12 327
-
pensions
11 019
11 019
14 456
-
income

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

13 146
13 146
13 146
-
total
35 043
34 650
39 929
-
Employer
87 193
80 312
80 312
-
pensions
6 068
5 590
5 590
-
unemployment
3 139
2 891
2 891
-
health
6 059
5 583
5 583
-
total
15 266
14 064
14 064
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Income
21 000
21 000
21 000
21 000
Total tax
50 309
48 714
53 993
8 893
After tax
-29 309
-27 714
-32 993
12 107
Living cost
52 150
52 150
52 150
52 150
Free-cash
-81 459
-79 864
-85 143
-40 043

Estimated living cost  is ₽52150 per week

₽38470
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4658
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽598
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8426
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽25376
-₽9075
-₽12878
-₽13306
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
income
-
-
-
1 805
health
-
-
-
2 835
solidarity contribution
-
-
-
-
total
-
-
-
10 772
Employee
34 608
-
15 672
-
solidarity contribution
-
-
-
-
health
4 672
-
2 116
-
social contributions
2 250
-
1 019
-
income
4 153
-
1 881
-
total
11 075
-
5 016
-
Employer
34 608
-
15 672
-
social contributions
8 652
-
3 918
-
health
3 115
-
1 410
-
total
11 767
-
5 328
-
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
22 842
6 541
10 344
10 772
After tax
-1 842
14 459
10 656
10 228
Living cost
23 534
23 534
23 534
23 534
Free-cash
-25 376
-9 075
-12 878
-13 306

Estimated living cost  is ₽23534 per week

₽16347
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1674
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽463
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5050
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽62583
-₽28480
-₽31103
-₽29404
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
regional
-
-
-
168
social contributions
-
-
-
7 289
municipal
-
-
-
109
national
-
-
-
3 154
total
-
-
-
10 720
Employee
83 583
-
21 000
-
national
14 483
-
2 632
-
regional
789
-
141
-
municipal
443
-
91
-
social contributions
28 184
-
9 555
-
total
43 899
-
12 419
-
Employer
83 583
-
21 000
-
total
-
-
-
-
Corporate
-
21 000
-
-
nationa
-
5 040
-
-
municipal
-
819
-
-
total
-
5 859
-
-
Dividends
-
15 141
-
-
withholding
-
3 937
-
-
total
-
3 937
-
-
Income
21 000
21 000
21 000
21 000
Total tax
43 899
9 796
12 419
10 720
After tax
-22 899
11 204
8 581
10 280
Living cost
39 684
39 684
39 684
39 684
Free-cash
-62 583
-28 480
-31 103
-29 404

Estimated living cost  is ₽39684 per week

₽27663
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2602
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽609
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8809
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽16647
-₽7543
-₽9121
-₽8676
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
-
unemployment
-
-
-
214
income
-
-
-
3 020
pensions
-
-
-
4 199
health
-
-
-
1 490
surtax
-
-
-
-
total
-
-
-
8 923
Employee
31 101
-
17 348
-
surtax
102
-
-
-
unemployment
2 165
-
1 208
-
other
-
-
-
-
health
794
-
443
-
pensions
2 074
-
1 156
-
income
5 213
-
2 909
-
total
10 348
-
5 716
-
Employer
31 101
-
17 348
-
other
-
-
-
-
pensions
4 146
-
2 313
-
unemployment
985
-
550
-
health
1 415
-
789
-
total
6 546
-
3 652
-
Corporate
-
21 000
-
-
income
-
5 459
-
-
total
-
5 459
-
-
Dividends
-
15 541
-
-
withholding
-
2 331
-
-
total
-
2 331
-
-
Income
21 000
21 000
21 000
21 000
Total tax
16 894
7 790
9 368
8 923
After tax
4 106
13 210
11 632
12 077
Living cost
20 753
20 753
20 753
20 753
Free-cash
-16 647
-7 543
-9 121
-8 676

Estimated living cost  is ₽20753 per week

₽12689
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1915
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽478
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5670
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽45395
-₽26705
-₽26979
-₽25910
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
4 132
pensions
-
-
-
340
total
-
-
-
4 472
Employee
58 901
-
19 664
-
health
855
-
49
-
pensions
4 999
-
293
-
income
10 608
-
3 864
-
total
16 462
-
4 206
-
Employer
58 901
-
19 664
-
pensions
6 376
-
961
-
health
1 119
-
374
-
total
7 495
-
1 335
-
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
23 957
5 267
5 541
4 472
After tax
-2 957
15 733
15 459
16 528
Living cost
42 438
42 438
42 438
42 438
Free-cash
-45 395
-26 705
-26 979
-25 910

Estimated living cost  is ₽42438 per week

₽31794
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3181
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽444
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7018
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽74659
-₽65031
-₽59360
-₽56558
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
city
-
-
-
219
regional
-
-
-
111
pensions
-
-
-
1 932
national
-
-
-
-
health
-
-
-
243
total
-
-
-
2 925
Employee
87 340
-
17 874
-
national
413
-
-
-
unemployment
-
-
-
-
city
937
-
180
-
regional
2 860
-
46
-
health
197
-
40
-
pensions
7 338
-
2 532
-
total
11 745
-
2 798
-
Employer
87 340
-
17 874
-
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.

1 746
-
357
-
pensions
7 338
-
2 532
-
unemployment
-
-
-
-
health
197
-
40
-
total
9 281
-
2 929
-
Corporate
-
21 000
-
-
regional
-
4 441
-
-
national
-
1 785
-
-
total
-
6 226
-
-
Dividends
-
14 774
-
-
withholding
-
5 172
-
-
total
-
5 172
-
-
Income
21 000
21 000
21 000
21 000
Total tax
21 026
11 398
5 727
2 925
After tax
-26
9 602
15 273
18 075
Living cost
74 633
74 633
74 633
74 633
Free-cash
-74 659
-65 031
-59 360
-56 558

Estimated living cost  is ₽74633 per week

₽48533
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6697
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽916
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽18486
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽35520
-₽32470
-₽28508
-₽28508
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
trade
-
-
-
-
income

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

-
-
-
-
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.

-
-
-
6 425
surtax

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

-
-
-
-
total
-
-
-
6 425
Employee

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

56 520
-
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.

366
-
-
-
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.

6 425
-
6 425
-
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.

6 646
-
-
-
total
13 437
-
6 425
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
21 000
-
-
trade
-
3 602
-
-
income
-
3 150
-
-
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
-
-
chamber of commerce
-
173
-
-
total
-
7 098
-
-
Dividends
-
13 902
-
-
withholding
-
3 118
-
-
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.

-
171
-
-
total
-
3 289
-
-
Income
21 000
21 000
21 000
21 000
Total tax
13 437
10 387
6 425
6 425
After tax
7 563
10 613
14 575
14 575
Living cost
43 083
43 083
43 083
43 083
Free-cash
-35 520
-32 470
-28 508
-28 508

Estimated living cost  is ₽43083 per week

₽31466
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3446
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽560
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7612
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽31820
-₽21592
-₽18439
-₽19626
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
598
income
-
-
-
-
pensions
-
-
-
6 948
health
-
-
-
252
surtax
-
-
-
-
total
-
-
-
8 449
Employee
40 251
-
16 003
-
surtax
-
-
-
-
pensions
4 551
-
1 810
-
social contributions
1 148
-
455
-
income
2 375
-
-
-
total
8 074
-
2 265
-
Employer
40 251
-
16 003
-
other
1 389
-
551
-
pensions
6 612
-
2 629
-
unemployment
1 629
-
648
-
social contributions
121
-
48
-
health
2 818
-
1 121
-
total
12 569
-
4 997
-
Corporate
-
21 000
-
-
income
-
5 881
-
-
surtax
-
-
-
-
total
-
5 881
-
-
Dividends
-
15 119
-
-
withholding
-
1 935
-
-
social contributions
-
2 599
-
-
surtax
-
-
-
-
total
-
4 534
-
-
Income
21 000
21 000
21 000
21 000
Total tax
20 643
10 415
7 262
8 449
After tax
357
10 585
13 738
12 551
Living cost
32 177
32 177
32 177
32 177
Free-cash
-31 820
-21 592
-18 439
-19 626

Estimated living cost  is ₽32177 per week

₽20289
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2616
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽548
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8725
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Nice model

Close
Marseille , France
-₽26151
-₽18404
-₽15251
-₽16438
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
598
income
-
-
-
-
pensions
-
-
-
6 948
health
-
-
-
252
surtax
-
-
-
-
total
-
-
-
8 449
Employee
35 929
-
16 003
-
surtax
-
-
-
-
pensions
4 064
-
1 810
-
social contributions
1 024
-
455
-
income
1 853
-
-
-
total
6 941
-
2 265
-
Employer
35 929
-
16 003
-
other
1 240
-
551
-
pensions
5 904
-
2 629
-
unemployment
1 455
-
648
-
social contributions
107
-
48
-
health
2 515
-
1 121
-
total
11 221
-
4 997
-
Corporate
-
21 000
-
-
income
-
5 881
-
-
surtax
-
-
-
-
total
-
5 881
-
-
Dividends
-
15 119
-
-
withholding
-
1 935
-
-
social contributions
-
2 599
-
-
surtax
-
-
-
-
total
-
4 534
-
-
Income
21 000
21 000
21 000
21 000
Total tax
18 162
10 415
7 262
8 449
After tax
2 838
10 585
13 738
12 551
Living cost
28 989
28 989
28 989
28 989
Free-cash
-26 151
-18 404
-15 251
-16 438

Estimated living cost  is ₽28989 per week

₽16812
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2945
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽550
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8683
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽13357
-₽7130
-₽9034
-₽6455
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
income
-
-
-
3 150
health
-
-
-
1 465
total
-
-
-
7 513
Employee
31 887
-
21 000
-
health
2 226
-
1 465
-
social contributions
4 401
-
2 898
-
income
5 318
-
5 729
-
total
11 945
-
10 092
-
Employer
31 887
-
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%.

-
1 049
-
-
total
-
1 049
-
-
Dividends
-
19 951
-
-
health
830
1 392
-
-
withholding
-
2 993
-
-
social contributions
1 640
2 754
-
-
total
2 470
7 139
-
-
Income
21 000
21 000
21 000
21 000
Total tax
14 415
8 188
10 092
7 513
After tax
6 585
12 812
10 908
13 487
Living cost
19 942
19 942
19 942
19 942
Free-cash
-13 357
-7 130
-9 034
-6 455

Estimated living cost  is ₽19942 per week

₽13346
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1230
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽459
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4906
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽40602
-₽33554
-₽27832
-₽23667
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
chamber of commerce
-
-
-
84
unemployment
-
-
-
5 768
income
-
-
-
-
pensions
-
-
-
3 885
health
-
-
-
1 606
surtax
-
-
-
186
total
-
-
-
11 529
Employee
47 000
37 479
37 479
-
unemployment
1 410
1 124
446
-
other
469
375
148
-
health
1 819
1 451
576
-
pensions
4 813
3 837
1 524
-
income
5 351
2 765
4 055
-
total
13 862
9 552
6 749
-
Employer
47 000
37 479
37 479
-
payroll
1 410
1 124
1 124
-
other
2 233
1 779
1 588
-
accident
610
487
193
-
pensions
5 898
4 705
1 867
-
unemployment
1 410
1 124
446
-
chamber of commerce
187
150
150
-
surtax
186
186
186
-
health
1 776
1 417
562
-
total
13 710
10 972
6 116
-
Corporate
3 569
3 569
11 314
-
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.

892
892
2 829
-
total
892
892
2 829
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
21 000
21 000
21 000
21 000
Total tax
28 464
21 416
15 694
11 529
After tax
-7 464
-416
5 306
9 471
Living cost
33 138
33 138
33 138
33 138
Free-cash
-40 602
-33 554
-27 832
-23 667

Estimated living cost  is ₽33138 per week

₽22102
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2827
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽544
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7665
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽65856
-₽22246
-₽24533
-₽23221
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
4 958
national
-
-
-
4 010
communal

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

-
-
-
962
total
-
-
-
9 930
Employee

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

67 272
-
16 265
-
national
20 682
-
3 534
-
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.

585
-
141
-
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.

3 161
-
766
-
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.

5 045
-
1 221
-
communal

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

3 509
-
848
-
total
32 982
-
6 510
-
Employer

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

67 272
-
16 265
-
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.

875
-
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.

5 961
-
1 440
-
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.

982
-
237
-
surtax
7 628
-
1 845
-
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.

4 137
-
999
-
total
19 583
-
4 732
-
Corporate
-
21 000
-
-
income
-
4 199
-
-
surtax
-
84
-
-
total
-
4 283
-
-
Dividends
-
16 717
-
-
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
52 565
8 955
11 242
9 930
After tax
-31 565
12 045
9 758
11 070
Living cost
34 291
34 291
34 291
34 291
Free-cash
-65 856
-22 246
-24 533
-23 221

Estimated living cost  is ₽34291 per week

₽22088
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2998
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.
₽8668
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽40735
-₽19648
-₽26680
-₽22056
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
unemployment
-
-
-
146
income
-
-
-
2 793
pensions
-
-
-
5 943
accident
-
-
-
189
total
-
-
-
9 092
Employee
46 814
-
10 988
-
unemployment
726
-
487
-
other
46
-
32
-
pensions
2 201
-
1 476
-
income
9 877
-
1 708
-
total
12 850
-
3 703
-
Employer
46 814
-
10 988
-
other
373
-
252
-
accident
926
-
621
-
pensions
11 047
-
7 412
-
unemployment
2 575
-
1 728
-
total
14 921
-
10 013
-
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
27 771
6 684
13 716
9 092
After tax
-6 771
14 316
7 284
11 908
Living cost
33 964
33 964
33 964
33 964
Free-cash
-40 735
-19 648
-26 680
-22 056

Estimated living cost  is ₽33964 per week

₽25011
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2409
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽489
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6054
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽58730
-₽36743
-₽41734
-₽41732
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
-
pensions
-
-
-
7 160
accident
-
-
-
403
communal
-
-
-
-
health
-
-
-
3 355
surtax
-
-
-
705
total
-
-
-
11 623
Employee
71 221
-
15 651
-
surtax
4 365
-
705
-
health
3 170
-
1 992
-
pensions
5 697
-
3 580
-
income
6 879
-
-
-
total
20 111
-
6 277
-
Employer
71 221
-
15 651
-
accident
641
-
403
-
pensions
5 697
-
3 580
-
health
2 172
-
1 365
-
total
8 510
-
5 348
-
Corporate
-
21 000
-
-
income
-
3 150
-
-
communal
-
-
-
-
surtax
-
221
-
-
total
-
3 371
-
-
Dividends
-
17 629
-
-
withholding
-
2 645
-
-
income
-
618
-
-
total
-
3 263
-
-
Income
21 000
21 000
21 000
21 000
Total tax
28 621
6 634
11 625
11 623
After tax
-7 621
14 366
9 375
9 377
Living cost
51 109
51 109
51 109
51 109
Free-cash
-58 730
-36 743
-41 734
-41 732

Estimated living cost  is ₽51109 per week

₽38339
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3096
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽541
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9131
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽17339
-₽7914
-₽9492
-₽9047
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
-
unemployment
-
-
-
214
income
-
-
-
3 020
pensions
-
-
-
4 199
health
-
-
-
1 490
surtax
-
-
-
-
total
-
-
-
8 923
Employee
31 672
-
17 348
-
surtax
112
-
-
-
unemployment
2 204
-
1 208
-
other
-
-
-
-
health
808
-
443
-
pensions
2 113
-
1 156
-
income
5 310
-
2 909
-
total
10 547
-
5 716
-
Employer
31 672
-
17 348
-
other
-
-
-
-
pensions
4 223
-
2 313
-
unemployment
1 005
-
550
-
health
1 440
-
789
-
total
6 668
-
3 652
-
Corporate
-
21 000
-
-
income
-
5 459
-
-
total
-
5 459
-
-
Dividends
-
15 541
-
-
withholding
-
2 331
-
-
total
-
2 331
-
-
Income
21 000
21 000
21 000
21 000
Total tax
17 215
7 790
9 368
8 923
After tax
3 785
13 210
11 632
12 077
Living cost
21 124
21 124
21 124
21 124
Free-cash
-17 339
-7 914
-9 492
-9 047

Estimated living cost  is ₽21124 per week

₽12754
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1836
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽491
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6045
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽31170
-₽14296
-₽16844
-₽15164
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
regional
-
-
-
278
social contributions
-
-
-
7 289
municipal
-
-
-
109
national
-
-
-
3 154
total
-
-
-
10 830
Employee
52 169
-
21 000
-
national
8 265
-
2 632
-
regional
702
-
232
-
municipal
277
-
91
-
social contributions
17 592
-
9 555
-
total
26 836
-
12 510
-
Employer
52 169
-
21 000
-
total
-
-
-
-
Corporate
-
21 000
-
-
nationa
-
5 040
-
-
municipal
-
1 044
-
-
total
-
6 084
-
-
Dividends
-
14 916
-
-
withholding
-
3 878
-
-
total
-
3 878
-
-
Income
21 000
21 000
21 000
21 000
Total tax
26 836
9 962
12 510
10 830
After tax
-5 836
11 038
8 490
10 170
Living cost
25 334
25 334
25 334
25 334
Free-cash
-31 170
-14 296
-16 844
-15 164

Estimated living cost  is ₽25334 per week

₽15755
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2566
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽434
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6578
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽36147
-₽14541
-₽18344
-₽18772
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
income
-
-
-
1 805
health
-
-
-
2 835
solidarity contribution
-
-
-
-
total
-
-
-
10 772
Employee
42 647
-
15 672
-
solidarity contribution
-
-
-
-
health
5 757
-
2 116
-
social contributions
2 772
-
1 019
-
income
5 118
-
1 881
-
total
13 647
-
5 016
-
Employer
42 647
-
15 672
-
social contributions
10 662
-
3 918
-
health
3 838
-
1 410
-
total
14 500
-
5 328
-
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
28 147
6 541
10 344
10 772
After tax
-7 147
14 459
10 656
10 228
Living cost
29 000
29 000
29 000
29 000
Free-cash
-36 147
-14 541
-18 344
-18 772

Estimated living cost  is ₽29000 per week

₽21566
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1606
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽502
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5325
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽32831
-₽30234
-₽24604
-₽20347
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
chamber of commerce
-
-
-
84
unemployment
-
-
-
5 768
income
-
-
-
-
pensions
-
-
-
3 885
health
-
-
-
1 606
surtax
-
-
-
-
total
-
-
-
11 343
Employee
41 111
37 479
37 479
-
unemployment
1 233
1 124
452
-
other
410
375
150
-
health
1 590
1 451
582
-
pensions
4 210
3 837
1 540
-
income
3 662
2 765
4 044
-
total
11 105
9 552
6 768
-
Employer
41 111
37 479
37 479
-
payroll
1 233
1 124
1 124
-
other
1 952
1 779
1 590
-
accident
534
487
196
-
pensions
5 160
4 705
1 886
-
unemployment
1 233
1 124
452
-
chamber of commerce
164
150
150
-
surtax
-
-
-
-
health
1 554
1 417
568
-
total
11 830
10 786
5 966
-
Corporate
3 569
3 569
11 464
-
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.

892
892
2 866
-
total
892
892
2 866
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
21 000
21 000
21 000
21 000
Total tax
23 827
21 230
15 600
11 343
After tax
-2 827
-230
5 400
9 657
Living cost
30 004
30 004
30 004
30 004
Free-cash
-32 831
-30 234
-24 604
-20 347

Estimated living cost  is ₽30004 per week

₽17999
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3064
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽535
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8406
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽5738
₽7982
₽4832
₽8822
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
14 960
-
21 000
-
income
2 992
-
4 200
-
total
2 992
-
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%.

6 040
21 000
-
-
total
-
-
-
-
Dividends
6 040
21 000
-
-
withholding
302
1 050
-
-
total
302
1 050
-
-
Income
21 000
21 000
21 000
21 000
Total tax
3 294
1 050
4 200
210
After tax
17 706
19 950
16 800
20 790
Living cost
11 968
11 968
11 968
11 968
Free-cash
5 738
7 982
4 832
8 822

Estimated living cost  is ₽11968 per week

₽8099
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽502
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽401
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2965
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽27063
-₽10768
-₽13334
-₽12651
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
unemployment
-
-
-
32
income
-
-
-
2 492
pensions
-
-
-
3 835
health
-
-
-
2 067
total
-
-
-
8 426
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.

41 588
-
18 171
-
unemployment
59
-
25
-
health
2 686
-
1 174
-
pensions
6 446
-
2 816
-
income
7 172
-
2 265
-
total
16 363
-
6 280
-
Employer

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

41 588
-
18 171
-
pensions
3 680
-
1 608
-
unemployment
25
-
11
-
health
2 770
-
1 210
-
total
6 475
-
2 829
-
Corporate
-
21 000
-
-
income
-
3 991
-
-
total
-
3 991
-
-
Dividends
-
17 009
-
-
withholding
-
2 552
-
-
total
-
2 552
-
-
Income
21 000
21 000
21 000
21 000
Total tax
22 838
6 543
9 109
8 426
After tax
-1 838
14 457
11 891
12 574
Living cost
25 225
25 225
25 225
25 225
Free-cash
-27 063
-10 768
-13 334
-12 651

Estimated living cost  is ₽25225 per week

₽17312
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1617
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽489
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5809
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽118352
-₽27550
-₽33182
-₽25814
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
57 822
-
7 773
-
social contributions
4 741
-
676
-
income
12 754
-
1 561
-
total
17 495
-
2 237
-
Employer
57 822
-
7 773
-
social contributions
81 530
-
11 619
-
total
81 530
-
11 619
-
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
99 025
8 224
13 856
6 487
After tax
-78 025
12 776
7 144
14 513
Living cost
40 326
40 326
40 326
40 326
Free-cash
-118 352
-27 550
-33 182
-25 814

Estimated living cost  is ₽40326 per week

₽26165
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3793
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽514
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9854
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽32527
-₽17555
-₽16793
-₽17023
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
1 226
surtax
-
-
-
-
total
-
-
-
8 524
Employee
43 254
-
16 970
-
surtax
-
-
-
-
social contributions
4 758
-
1 867
-
income
8 997
-
2 397
-
total
13 755
-
4 264
-
Employer
43 254
-
16 970
-
social contributions
10 273
-
4 030
-
total
10 273
-
4 030
-
Corporate
-
21 000
-
-
income
-
4 410
-
-
surtax
-
-
-
-
total
-
4 410
-
-
Dividends
-
16 590
-
-
withholding
-
4 646
-
-
total
-
4 646
-
-
Income
21 000
21 000
21 000
21 000
Total tax
24 028
9 056
8 294
8 524
After tax
-3 028
11 944
12 706
12 476
Living cost
29 499
29 499
29 499
29 499
Free-cash
-32 527
-17 555
-16 793
-17 023

Estimated living cost  is ₽29499 per week

₽22072
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1740
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽493
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5195
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽56300
-₽34838
-₽31685
-₽32872
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
598
income
-
-
-
-
pensions
-
-
-
6 948
health
-
-
-
252
surtax
-
-
-
-
total
-
-
-
8 449
Employee
58 903
-
16 003
-
surtax
-
-
-
-
pensions
6 662
-
1 810
-
social contributions
1 678
-
455
-
income
5 139
-
-
-
total
13 479
-
2 265
-
Employer
58 903
-
16 003
-
other
2 033
-
551
-
pensions
9 679
-
2 629
-
unemployment
2 386
-
648
-
social contributions
177
-
48
-
health
4 123
-
1 121
-
total
18 398
-
4 997
-
Corporate
-
21 000
-
-
income
-
5 881
-
-
surtax
-
-
-
-
total
-
5 881
-
-
Dividends
-
15 119
-
-
withholding
-
1 935
-
-
social contributions
-
2 599
-
-
surtax
-
-
-
-
total
-
4 534
-
-
Income
21 000
21 000
21 000
21 000
Total tax
31 877
10 415
7 262
8 449
After tax
-10 877
10 585
13 738
12 551
Living cost
45 423
45 423
45 423
45 423
Free-cash
-56 300
-34 838
-31 685
-32 872

Estimated living cost  is ₽45423 per week

₽30742
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3716
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽623
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10342
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽13922
-₽9371
-₽11271
-₽11891
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
4 621
total
-
-
-
4 621
Employee
30 235
-
18 182
-
social contributions
1 965
-
1 183
-
income
-
-
-
-
total
1 965
-
1 183
-
Employer
30 235
-
18 182
-
social contributions
4 687
-
2 818
-
total
4 687
-
2 818
-
Corporate
-
21 000
-
-
income
-
2 101
-
-
total
-
2 101
-
-
Dividends
-
18 899
-
-
total
-
-
-
-
Income
21 000
21 000
21 000
21 000
Total tax
6 652
2 101
4 001
4 621
After tax
14 348
18 899
16 999
16 379
Living cost
28 270
28 270
28 270
28 270
Free-cash
-13 922
-9 371
-11 271
-11 891

Estimated living cost  is ₽28270 per week

₽18279
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2131
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽532
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7328
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽183683
-₽183683
-₽183683
-₽29491
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
pensions
-
-
-
814
municipal
-
-
-
1 703
labour market
-
-
-
1 615
national
-
-
-
1 115
total
-
-
-
5 247
Employee
190 963
190 963
190 963
-
national
23 330
23 330
23 330
-
municipal
40 664
40 664
40 664
-
labour market
15 255
15 255
15 255
-
pensions
271
271
271
-
total
79 520
79 520
79 520
-
Employer
190 963
190 963
190 963
-
municipal
40 729
40 729
40 729
-
pensions
543
543
543
-
national
23 370
23 370
23 370
-
labour market
15 277
15 277
15 277
-
total
79 919
79 919
79 919
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
21 000
21 000
21 000
21 000
Total tax
159 439
159 439
159 439
5 247
After tax
-138 439
-138 439
-138 439
15 753
Living cost
45 244
45 244
45 244
45 244
Free-cash
-183 683
-183 683
-183 683
-29 491

Estimated living cost  is ₽45244 per week

₽30965
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4002
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽696
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9580
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽18397
-₽19104
-₽9713
-₽9031
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
356
income
-
-
-
2 541
pensions
-
-
-
3 994
accident
-
-
-
242
health
-
-
-
2 093
total
-
-
-
9 226
Employee
32 728
-
17 445
-
health
3 748
-
1 997
-
pensions
3 685
-
1 964
-
income
4 490
-
2 393
-
total
11 923
-
6 354
-
Employer
32 728
-
17 445
-
accident
546
-
291
-
pensions
5 321
-
2 836
-
unemployment
802
-
427
-
total
6 669
-
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
18 592
19 299
9 908
9 226
After tax
2 408
1 701
11 092
11 774
Living cost
20 805
20 805
20 805
20 805
Free-cash
-18 397
-19 104
-9 713
-9 031

Estimated living cost  is ₽20805 per week

₽15144
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1186
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽390
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4085
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽37813
-₽21574
-₽22813
-₽18887
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
municipal
-
-
-
3 780
national
-
-
-
-
health
-
-
-
-
total
-
-
-
3 780
Employee
49 480
-
17 666
-
national
817
-
-
-
unemployment
742
-
264
-
health
369
-
-
-
municipal
8 104
-
2 918
-
pensions
3 339
-
1 192
-
total
13 371
-
4 374
-
Employer
49 480
-
17 666
-
accident
50
-
18
-
pensions
8 584
-
3 064
-
unemployment
321
-
114
-
health
380
-
136
-
total
9 335
-
3 332
-
Corporate
-
21 000
-
-
income
-
4 199
-
-
total
-
4 199
-
-
Dividends

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

-
12 600
-
-
municipal
-
2 268
-
-
national
-
-
-
-
total
-
2 268
-
-
Income
21 000
21 000
21 000
21 000
Total tax
22 706
6 467
7 706
3 780
After tax
-1 706
14 533
13 294
17 220
Living cost
36 107
36 107
36 107
36 107
Free-cash
-37 813
-21 574
-22 813
-18 887

Estimated living cost  is ₽36107 per week

₽23585
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3473
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽575
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8476
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽15285
-₽22041
-₽13819
-₽7263
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 752
social contributions
-
-
-
5 577
income
-
-
-
-
health
-
-
-
912
total
-
-
-
6 489
Employee
72 317
72 317
72 317
-
health
560
1 230
414
-
social contributions
2 734
6 002
2 024
-
income
7 874
6 694
8 131
-
total
11 168
13 926
10 569
-
Employer
72 317
72 317
72 317
-
social contributions
2 734
6 002
2 024
-
health
609
1 339
452
-
total
3 343
7 341
2 476
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
21 000
21 000
21 000
21 000
Total tax
14 511
21 267
13 045
6 489
After tax
6 489
-267
7 955
14 511
Living cost
21 774
21 774
21 774
21 774
Free-cash
-15 285
-22 041
-13 819
-7 263

Estimated living cost  is ₽21774 per week

₽13050
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.
₽482
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6107
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽2809
₽2458
-₽1767
-₽4386
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
unemployment
-
-
-
27
income
-
-
-
1 042
pensions
-
-
-
5 982
health
-
-
-
3 403
total
-
-
-
10 454
Employee

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

21 587
-
19 039
-
unemployment
107
-
95
-
health
1 835
-
1 619
-
pensions
3 237
-
2 856
-
income
1 476
-
1 303
-
total
6 655
-
5 873
-
Employer

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

21 587
-
19 039
-
pensions
1 187
-
1 048
-
unemployment
107
-
95
-
health
928
-
819
-
total
2 222
-
1 962
-
Corporate
-
21 000
-
-
income
-
1 890
-
-
total
-
1 890
-
-
Dividends
-
19 110
-
-
withholding
-
1 720
-
-
total
-
1 720
-
-
Income
21 000
21 000
21 000
21 000
Total tax
8 877
3 610
7 835
10 454
After tax
12 123
17 390
13 165
10 546
Living cost
14 932
14 932
14 932
14 932
Free-cash
-2 809
2 458
-1 767
-4 386

Estimated living cost  is ₽14932 per week

₽9527
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1076
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽444
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3884
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽24860
-₽11546
-₽18578
-₽13954
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
unemployment
-
-
-
146
income
-
-
-
2 793
pensions
-
-
-
5 943
accident
-
-
-
189
total
-
-
-
9 092
Employee
34 775
-
10 988
-
unemployment
539
-
487
-
other
34
-
32
-
pensions
1 635
-
1 476
-
income
6 704
-
1 708
-
total
8 912
-
3 703
-
Employer
34 775
-
10 988
-
other
278
-
252
-
accident
689
-
621
-
pensions
8 206
-
7 412
-
unemployment
1 913
-
1 728
-
total
11 086
-
10 013
-
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
19 998
6 684
13 716
9 092
After tax
1 002
14 316
7 284
11 908
Living cost
25 862
25 862
25 862
25 862
Free-cash
-24 860
-11 546
-18 578
-13 954

Estimated living cost  is ₽25862 per week

₽17456
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2486
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽453
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5467
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽11038
₽11330
₽10710
₽10834
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
6 160
pensions
-
-
-
1 294
health
-
-
-
938
total
-
-
-
8 392
Employee
2 701
-
19 545
-
unemployment
27
-
65
-
health
135
-
323
-
pensions
243
-
582
-
income
523
-
6 092
-
total
928
-
7 062
-
Employer
2 701
-
19 545
-
pensions
297
-
711
-
unemployment
54
-
129
-
health
257
-
614
-
total
608
-
1 454
-
Corporate
17 691
21 000
-
-
income
3 892
4 620
-
-
total
3 892
4 620
-
-
Dividends
13 799
16 380
-
-
withholding
2 760
3 276
-
-
total
2 760
3 276
-
-
Income
21 000
21 000
21 000
21 000
Total tax
8 188
7 896
8 516
8 392
After tax
12 812
13 104
12 484
12 608
Living cost
1 774
1 774
1 774
1 774
Free-cash
11 038
11 330
10 710
10 834

Estimated living cost  is ₽1774 per week

₽1054
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽144
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽41
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽535
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽7891
-₽1077
-₽4021
-₽4924
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
unemployment
-
-
-
315
income
-
-
-
1 736
pensions
-
-
-
5 460
health
-
-
-
2 163
total
-
-
-
9 674
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.

24 504
-
17 812
-
unemployment
184
-
134
-
health
1 262
-
917
-
pensions
3 431
-
2 494
-
income
3 378
-
2 038
-
total
8 255
-
5 583
-
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.

24 504
-
17 812
-
pensions
2 940
-
2 137
-
unemployment
184
-
134
-
health
1 262
-
917
-
total
4 386
-
3 188
-
Corporate
-
21 000
-
-
income
-
3 150
-
-
total
-
3 150
-
-
Dividends
-
17 850
-
-
withholding
-
2 677
-
-
total
-
2 677
-
-
Income
21 000
21 000
21 000
21 000
Total tax
12 641
5 827
8 771
9 674
After tax
8 359
15 173
12 229
11 326
Living cost
16 250
16 250
16 250
16 250
Free-cash
-7 891
-1 077
-4 021
-4 924

Estimated living cost  is ₽16250 per week

₽10941
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1257
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽470
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3582
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽24170
-₽13410
-₽12648
-₽12878
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
1 226
surtax
-
-
-
-
total
-
-
-
8 524
Employee
36 502
-
16 970
-
surtax
-
-
-
-
social contributions
4 016
-
1 867
-
income
7 132
-
2 397
-
total
11 148
-
4 264
-
Employer
36 502
-
16 970
-
social contributions
8 668
-
4 030
-
total
8 668
-
4 030
-
Corporate
-
21 000
-
-
income
-
4 410
-
-
surtax
-
-
-
-
total
-
4 410
-
-
Dividends
-
16 590
-
-
withholding
-
4 646
-
-
total
-
4 646
-
-
Income
21 000
21 000
21 000
21 000
Total tax
19 816
9 056
8 294
8 524
After tax
1 184
11 944
12 706
12 476
Living cost
25 354
25 354
25 354
25 354
Free-cash
-24 170
-13 410
-12 648
-12 878

Estimated living cost  is ₽25354 per week

₽17958
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1762
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽450
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5186
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽38903
-₽18736
-₽25768
-₽21144
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
unemployment
-
-
-
146
income
-
-
-
2 793
pensions
-
-
-
5 943
accident
-
-
-
189
total
-
-
-
9 092
Employee
45 420
-
10 988
-
unemployment
703
-
487
-
other
45
-
32
-
pensions
2 135
-
1 476
-
income
9 487
-
1 708
-
total
12 370
-
3 703
-
Employer
45 420
-
10 988
-
other
364
-
252
-
accident
899
-
621
-
pensions
10 719
-
7 412
-
unemployment
2 499
-
1 728
-
total
14 481
-
10 013
-
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
26 851
6 684
13 716
9 092
After tax
-5 851
14 316
7 284
11 908
Living cost
33 052
33 052
33 052
33 052
Free-cash
-38 903
-18 736
-25 768
-21 144

Estimated living cost  is ₽33052 per week

₽23737
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2570
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽466
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6280
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽4630
₽1774
-₽2924
-₽3938
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
unemployment
-
-
-
84
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
health
-
-
-
2 415
total
-
-
-
8 757
Employee
21 426
-
17 556
-
accident

We are using the highest rate at 1.1%.

235
-
193
-
health
986
-
808
-
pensions

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

1 881
-
1 542
-
income
2 143
-
1 756
-
total
5 245
-
4 299
-
Employer
21 426
-
17 556
-
accident

We are using the highest rate at 1.1%.

235
-
193
-
pensions

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

2 361
-
1 935
-
unemployment
129
-
105
-
health
1 479
-
1 211
-
total
4 204
-
3 444
-
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
9 449
3 045
7 743
8 757
After tax
11 551
17 955
13 257
12 243
Living cost
16 181
16 181
16 181
16 181
Free-cash
-4 630
1 774
-2 924
-3 938

Estimated living cost  is ₽16181 per week

₽10702
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽926
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽386
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4167
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽25794
-₽25263
-₽21734
-₽21734
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
trade
-
-
-
-
income

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

-
-
-
-
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.

-
-
-
6 425
surtax

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

-
-
-
-
total
-
-
-
6 425
Employee

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

46 794
-
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.

212
-
-
-
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.

6 425
-
6 425
-
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.

3 848
-
-
-
total
10 485
-
6 425
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
21 000
-
-
trade
-
3 014
-
-
income
-
3 150
-
-
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
-
-
chamber of commerce
-
173
-
-
total
-
6 510
-
-
Dividends
-
14 489
-
-
withholding
-
3 264
-
-
surtax

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

-
180
-
-
total
-
3 444
-
-
Income
21 000
21 000
21 000
21 000
Total tax
10 485
9 954
6 425
6 425
After tax
10 515
11 046
14 575
14 575
Living cost
36 309
36 309
36 309
36 309
Free-cash
-25 794
-25 263
-21 734
-21 734

Estimated living cost  is ₽36309 per week

₽25047
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3907
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽526
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6828
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽52567
-₽38873
-₽34312
-₽34312
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
484
income
-
-
-
1 255
total
-
-
-
1 739
Employee
73 566
-
21 000
-
social contributions
6 112
-
484
-
income
13 882
-
1 255
-
total
19 994
-
1 739
-
Employer
73 566
-
21 000
-
total
-
-
-
-
Corporate
-
21 000
-
-
income
-
2 625
-
-
total
-
2 625
-
-
Dividends
-
18 375
-
-
withholding
-
3 675
-
-
total
-
3 675
-
-
Income
21 000
21 000
21 000
21 000
Total tax
19 994
6 300
1 739
1 739
After tax
1 006
14 700
19 261
19 261
Living cost
53 573
53 573
53 573
53 573
Free-cash
-52 567
-38 873
-34 312
-34 312

Estimated living cost  is ₽53573 per week

₽40758
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4365
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽512
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7938
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽29273
-₽23295
-₽17102
-₽45632
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
health

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

-
-
-
5 722
income
-
-
-
26 771
total
-
-
-
32 493
Employee
43 143
-
19 087
-
social contributions
4 323
-
1 911
-
income
4 681
-
141
-
total
9 004
-
2 052
-
Employer
43 143
-
19 087
-
social contributions
4 323
-
1 911
-
total
4 323
-
1 911
-
Corporate
-
21 000
-
-
income
-
7 349
-
-
total
-
7 349
-
-
Dividends
-
13 651
-
-
social contributions
2 807
2 807
-
-
total
2 807
2 807
-
-
Income
21 000
21 000
21 000
21 000
Total tax
16 134
10 156
3 963
32 493
After tax
4 866
10 844
17 037
-11 493
Living cost
34 139
34 139
34 139
34 139
Free-cash
-29 273
-23 295
-17 102
-45 632

Estimated living cost  is ₽34139 per week

₽22487
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2691
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽523
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8436
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽32043
-₽18768
-₽19042
-₽17973
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
4 132
pensions
-
-
-
340
total
-
-
-
4 472
Employee
47 357
-
19 664
-
health
618
-
49
-
pensions
3 615
-
293
-
income
8 624
-
3 864
-
total
12 857
-
4 206
-
Employer
47 357
-
19 664
-
pensions
4 785
-
961
-
health
900
-
374
-
total
5 685
-
1 335
-
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
18 542
5 267
5 541
4 472
After tax
2 458
15 733
15 459
16 528
Living cost
34 501
34 501
34 501
34 501
Free-cash
-32 043
-18 768
-19 042
-17 973

Estimated living cost  is ₽34501 per week

₽23667
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3173
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽432
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7227
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽22297
-₽21164
-₽11773
-₽11091
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
356
income
-
-
-
2 541
pensions
-
-
-
3 994
accident
-
-
-
242
health
-
-
-
2 093
total
-
-
-
9 226
Employee
35 967
-
17 445
-
health
4 118
-
1 997
-
pensions
4 050
-
1 964
-
income
4 934
-
2 393
-
total
13 102
-
6 354
-
Employer
35 967
-
17 445
-
accident
601
-
291
-
pensions
5 848
-
2 836
-
unemployment
881
-
427
-
total
7 330
-
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
20 432
19 299
9 908
9 226
After tax
568
1 701
11 092
11 774
Living cost
22 865
22 865
22 865
22 865
Free-cash
-22 297
-21 164
-11 773
-11 091

Estimated living cost  is ₽22865 per week

₽16780
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1332
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽461
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4292
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽574
₽5147
₽422
₽422
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
unemployment
-
-
-
252
income
-
-
-
2 100
pensions
-
-
-
3 864
health insurance
-
-
-
1 554
work injury
-
-
-
105
total
-
-
-
7 875
Employee

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

20 324
-
21 000
-
health insurance
1 504
-
1 554
-
unemployment
244
-
252
-
work injury
102
-
105
-
pensions
3 740
-
3 864
-
income
2 032
-
2 100
-
total
7 622
-
7 875
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
676
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
676
21 000
-
-
withholding
101
3 150
-
-
total
101
3 150
-
-
Income
21 000
21 000
21 000
21 000
Total tax
7 723
3 150
7 875
7 875
After tax
13 277
17 850
13 125
13 125
Living cost
12 703
12 703
12 703
12 703
Free-cash
574
5 147
422
422

Estimated living cost  is ₽12703 per week

₽7870
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽923
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽396
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3514
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽58250
-₽26405
-₽28955
-₽27269
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
regional
-
-
-
237
social contributions
-
-
-
7 289
municipal
-
-
-
123
national
-
-
-
3 154
total
-
-
-
10 803
Employee
79 250
-
21 000
-
national
13 392
-
2 632
-
regional
1 196
-
198
-
municipal
473
-
104
-
social contributions
26 723
-
9 555
-
total
41 784
-
12 489
-
Employer
79 250
-
21 000
-
total
-
-
-
-
Corporate
-
21 000
-
-
nationa
-
5 040
-
-
municipal
-
1 012
-
-
total
-
6 052
-
-
Dividends
-
14 948
-
-
withholding
-
3 887
-
-
total
-
3 887
-
-
Income
21 000
21 000
21 000
21 000
Total tax
41 784
9 939
12 489
10 803
After tax
-20 784
11 061
8 511
10 197
Living cost
37 466
37 466
37 466
37 466
Free-cash
-58 250
-26 405
-28 955
-27 269

Estimated living cost  is ₽37466 per week

₽26317
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2577
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽566
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8004
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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