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
₽ 22000
per

Your estimated
City
free-cash

Dresden , Germany
-₽19072
-₽16418
-₽15285
-₽15285
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
22 000
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.

-
-
-
6 862
surtax

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

-
-
-
-
total
-
-
-
6 862
Employee

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

38 418
-
22 000
-
health

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

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

6 862
-
6 862
-
surtax

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

59
-
-
-
income

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

1 073
-
-
-
total
7 994
-
6 862
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
22 000
-
-
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.

-
181
-
-
income
-
3 299
-
-
trade
-
3 465
-
-
chamber of commerce
-
185
-
-
total
-
7 130
-
-
Dividends
-
14 869
-
-
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.

-
183
-
-
withholding
-
3 336
-
-
total
-
3 519
-
-
Income
22 000
22 000
22 000
22 000
Total tax
7 994
10 649
6 862
6 862
After tax
14 006
11 351
15 138
15 138
Living cost
30 423
30 423
30 423
30 423
Free-cash
-16 418
-19 072
-15 285
-15 285

Estimated living cost  is ₽30423 per week

₽19137
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3547
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽568
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7171
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Additional information

Nationals of Europe, Australia, Canada, Israel, Japan, the Republic of Korea, New Zealand and the USA do not require an entry type D visa (not to confuse with a Schengen visa or a visa-free entry). For other nationals, waiting time is around 6-9 months which includes document preparation and processing.

Source of data for Dresden model

Close
Reykjavik , Iceland
-₽36955
-₽63698
-₽34922
-₽34749
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
municipal
-
-
-
1 319
pensions
-
-
-
2 640
national
-
-
-
2 043
social contributions
-
-
-
237
total
-
-
-
6 239
Employee
78 568
-
19 019
-
municipal
9 704
-
1 404
-
pensions
3 143
-
761
-
national
15 038
-
2 175
-
total
27 885
-
4 340
-
Employer
78 568
-
19 019
-
social contributions
845
-
204
-
pensions
6 285
-
1 522
-
total
7 130
-
1 726
-
Corporate
-
22 000
-
-
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%.

-
4 400
-
-
total
-
4 400
-
-
Dividends
-
17 600
-
-
withholding
-
3 872
-
-
total
-
3 872
-
-
Income
22 000
22 000
22 000
22 000
Total tax
35 015
8 272
6 066
6 239
After tax
-13 015
13 728
15 934
15 761
Living cost
50 683
50 683
50 683
50 683
Free-cash
-63 698
-36 955
-34 749
-34 922

Estimated living cost  is ₽50683 per week

₽34449
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4711
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽759
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10764
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Additional information

It is very difficult to get a residence permit on a basis of self-employment for a Third Country National (non-EU/EFTA/Swiss and without a long-term EU resident permit). EU/EFTA nationals and long-term EU resident permit holders can register self-employed and apply for a permanent residence.

Source of data for Reykjavik model

Close
Riga , Latvia
-₽3296
-₽14421
-₽5358
-₽8276
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
22 000
microenterprise
-
-
-
3 299
income
-
-
-
-
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.

-
-
-
3 162
total
-
-
-
6 461
Employee
29 350
-
17 728
-
social contributions

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

3 229
-
1 950
-
surtax
-
-
-
-
income
5 225
-
3 157
-
total
8 454
-
5 107
-
Employer
29 350
-
17 728
-
social contributions

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

7 070
-
4 272
-
surtax
-
-
-
-
total
7 070
-
4 272
-
Corporate
-
22 000
-
-
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%.

-
4 399
-
-
total
-
4 399
-
-
Dividends

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

-
17 601
-
-
total
-
-
-
-
Income
22 000
22 000
22 000
22 000
Total tax
15 524
4 399
9 379
6 461
After tax
6 476
17 601
12 621
15 539
Living cost
20 897
20 897
20 897
20 897
Free-cash
-14 421
-3 296
-8 276
-5 358

Estimated living cost  is ₽20897 per week

₽13331
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1990
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽475
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5101
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Riga model

Close
Rotterdam , Netherlands
-₽72103
-₽77741
-₽29396
-₽77741
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
income
-
-
-
1 980
pensions
-
-
-
3 961
health
-
-
-
3 378
total
-
-
-
9 319
Employee
85 775
85 775
85 775
-
health
13 165
11 198
13 165
-
income

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

14 040
14 040
14 040
-
pensions
15 439
11 768
15 439
-
total
42 644
37 006
42 644
-
Employer
85 775
85 775
85 775
-
unemployment
3 088
3 088
3 088
-
pensions
5 970
5 970
5 970
-
health
5 962
5 962
5 962
-
total
15 020
15 020
15 020
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
22 000
22 000
22 000
22 000
Total tax
57 664
52 026
57 664
9 319
After tax
-35 664
-30 026
-35 664
12 681
Living cost
42 077
42 077
42 077
42 077
Free-cash
-77 741
-72 103
-77 741
-29 396

Estimated living cost  is ₽42077 per week

₽29819
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3793
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽669
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7796
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Rotterdam model

Close
Stockholm , Sweden
-₽26949
-₽50959
-₽27994
-₽27213
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
municipal
-
-
-
4 660
accident
-
-
-
44
pensions
-
-
-
2 378
other
-
-
-
2 556
unemployment
-
-
-
22
health
-
-
-
1 373
national
-
-
-
-
total
-
-
-
11 033
Employee
55 516
-
16 740
-
municipal
16 555
-
4 992
-
national
-
-
-
-
total
16 555
-
4 992
-
Employer
55 516
-
16 740
-
accident
111
-
34
-
other
6 451
-
1 945
-
unemployment
1 466
-
442
-
pensions
6 001
-
1 809
-
health
3 414
-
1 030
-
total
17 443
-
5 260
-
Corporate
-
22 000
-
-
income
-
4 840
-
-
total
-
4 840
-
-
Dividends
-
17 160
-
-
withholding
-
5 148
-
-
total
-
5 148
-
-
Income
22 000
22 000
22 000
22 000
Total tax
33 998
9 988
10 252
11 033
After tax
-11 998
12 012
11 748
10 967
Living cost
38 961
38 961
38 961
38 961
Free-cash
-50 959
-26 949
-27 213
-27 994

Estimated living cost  is ₽38961 per week

₽25822
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3823
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽592
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8725
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Stockholm model

Close
Hamburg , Germany
-₽28220
-₽28936
-₽24320
-₽24320
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
22 000
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.

-
-
-
6 862
surtax

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

-
-
-
-
total
-
-
-
6 862
Employee

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

50 937
-
22 000
-
health

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

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

6 862
-
6 862
-
surtax

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

240
-
-
-
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.

4 376
-
-
-
total
11 478
-
6 862
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
22 000
-
-
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.

-
181
-
-
income
-
3 299
-
-
trade
-
3 620
-
-
chamber of commerce
-
183
-
-
total
-
7 283
-
-
Dividends
-
14 717
-
-
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.

-
181
-
-
withholding
-
3 298
-
-
total
-
3 479
-
-
Income
22 000
22 000
22 000
22 000
Total tax
11 478
10 762
6 862
6 862
After tax
10 522
11 238
15 138
15 138
Living cost
39 458
39 458
39 458
39 458
Free-cash
-28 936
-28 220
-24 320
-24 320

Estimated living cost  is ₽39458 per week

₽26390
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4161
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽589
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8318
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽33292
-₽27800
-₽17510
-₽24511
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
38 184
income
-
-
-
-
health
-
-
-
974
social contributions
-
-
-
5 957
total
-
-
-
6 931
Employee
77 236
77 236
77 236
-
social contributions
3 753
6 410
2 162
-
health
768
1 313
442
-
income
8 110
7 150
8 684
-
total
12 631
14 873
11 288
-
Employer
77 236
77 236
77 236
-
social contributions
3 753
6 410
2 162
-
health
837
1 430
482
-
total
4 590
7 840
2 644
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
22 000
22 000
22 000
22 000
Total tax
17 221
22 713
13 932
6 931
After tax
4 779
-713
8 068
15 069
Living cost
32 579
32 579
32 579
32 579
Free-cash
-27 800
-33 292
-24 511
-17 510

Estimated living cost  is ₽32579 per week

₽22271
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2545
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽547
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7217
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Limassol model

Close
Budapest , Hungary
-₽5549
-₽9450
-₽2992
-₽5479
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
income
-
-
-
2 690
pensions
-
-
-
2 200
unemployment
-
-
-
330
health
-
-
-
1 540
total
-
-
-
6 760
Employee

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

The minimum wage is 138,000 HUF per month.

26 319
10 475
18 410
-
health
1 842
733
1 289
-
income
3 217
1 281
2 251
-
pensions
2 632
1 047
1 841
-
unemployment
395
157
276
-
total
8 086
3 218
5 657
-
Employer

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

The minimum wage is 138,000 HUF per month.

26 319
10 475
18 410
-
pensions
5 132
2 043
3 590
-
total
5 132
2 043
3 590
-
Corporate
-
9 483
-
-
income
-
853
-
-
total
-
853
-
-
Dividends
-
8 629
-
-
social contributions
-
1 563
-
-
withholding
-
1 640
-
-
total
-
3 203
-
-
Income
22 000
22 000
22 000
22 000
Total tax
13 218
9 317
9 247
6 760
After tax
8 782
12 683
12 753
15 240
Living cost
18 232
18 232
18 232
18 232
Free-cash
-9 450
-5 549
-5 479
-2 992

Estimated living cost  is ₽18232 per week

₽12442
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1492
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽364
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3934
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽6660
-₽16127
-₽10182
-₽9294
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
income
-
-
-
661
pensions
-
-
-
4 401
health
-
-
-
2 859
total
-
-
-
7 921
Employee
28 494
-
16 444
-
income
3 208
-
883
-
pensions
570
-
330
-
unemployment
456
-
263
-
total
4 234
-
1 476
-
Employer
28 494
-
16 444
-
unemployment
229
-
132
-
pensions
5 699
-
3 288
-
health
3 704
-
2 137
-
total
9 632
-
5 557
-
Corporate
-
22 000
-
-
income
-
4 399
-
-
total
-
4 399
-
-
Dividends
-
17 601
-
-
total
-
-
-
-
Income
22 000
22 000
22 000
22 000
Total tax
13 866
4 399
7 033
7 921
After tax
8 134
17 601
14 967
14 079
Living cost
24 261
24 261
24 261
24 261
Free-cash
-16 127
-6 660
-9 294
-10 182

Estimated living cost  is ₽24261 per week

₽16640
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1445
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽488
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5688
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Tallinn model

Close
Gdansk , Poland
-₽20262
-₽19744
-₽9689
-₽10426
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
accident
-
-
-
253
income
-
-
-
2 667
pensions
-
-
-
4 169
other
-
-
-
371
health
-
-
-
2 185
total
-
-
-
9 645
Employee
34 676
-
18 276
-
health
3 970
-
2 092
-
income
4 757
-
2 507
-
pensions
3 905
-
2 058
-
total
12 632
-
6 657
-
Employer
34 676
-
18 276
-
accident
579
-
305
-
unemployment
850
-
448
-
pensions
5 639
-
2 972
-
total
7 068
-
3 725
-
Corporate
-
22 000
-
-
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.

-
19 800
-
-
total
-
19 800
-
-
Dividends
-
2 200
-
-
withholding
-
418
-
-
total
-
418
-
-
Income
22 000
22 000
22 000
22 000
Total tax
19 700
20 218
10 382
9 645
After tax
2 300
1 782
11 618
12 355
Living cost
22 044
22 044
22 044
22 044
Free-cash
-19 744
-20 262
-10 426
-9 689

Estimated living cost  is ₽22044 per week

₽16156
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1221
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽460
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4207
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Additional information

Poland permits registration as a sole-trader only for EU nationals or long-term EU resident permit holders. Other nationals should use a business incubator or set up a company and hire themselves as an employee.

Source of data for Gdansk model

Close
Batumi , Georgia
₽11800
₽10094
₽12680
₽8500
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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%.

-
-
-
22 000
microenterprise

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

-
-
-
220
total
-
-
-
220
Employee
11 374
-
22 000
-
income
2 275
-
4 400
-
total
2 275
-
4 400
-
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%.

10 626
22 000
-
-
total
-
-
-
-
Dividends
10 626
22 000
-
-
withholding
531
1 100
-
-
total
531
1 100
-
-
Income
22 000
22 000
22 000
22 000
Total tax
2 806
1 100
4 400
220
After tax
19 194
20 900
17 600
21 780
Living cost
9 100
9 100
9 100
9 100
Free-cash
10 094
11 800
8 500
12 680

Estimated living cost  is ₽9100 per week

₽5639
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽756
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽250
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2454
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Additional information

Social security system in Georgia is financed from the government taxes which are part of our internal model. Separate pension and medical insurance contributions are not compulsory. It is advisable to purchase health insurance privately as in an event of medical emergency the treatment is likely to get costly.

Source of data for Batumi model

Close
Bratislava , Slovakia
-₽10600
-₽23662
-₽14853
-₽13871
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
income
-
-
-
2 794
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.

-
-
-
5 282
other
-
-
-
1 045
health
-
-
-
968
total
-
-
-
10 089
Employee
36 470
-
17 570
-
health
511
-
246
-
income
6 279
-
3 025
-
pensions

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

2 552
-
1 231
-
unemployment
364
-
175
-
total
9 706
-
4 677
-
Employer
36 470
-
17 570
-
accident
292
-
141
-
other
1 824
-
879
-
unemployment
364
-
175
-
pensions

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

6 201
-
2 989
-
health
511
-
246
-
total
9 192
-
4 430
-
Corporate
-
22 000
-
-
income
-
4 620
-
-
total
-
4 620
-
-
Dividends
-
17 380
-
-
withholding
-
1 216
-
-
total
-
1 216
-
-
Income
22 000
22 000
22 000
22 000
Total tax
18 898
5 836
9 107
10 089
After tax
3 102
16 164
12 893
11 911
Living cost
26 764
26 764
26 764
26 764
Free-cash
-23 662
-10 600
-13 871
-14 853

Estimated living cost  is ₽26764 per week

₽18910
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1807
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽431
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5615
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽50619
-₽85950
-₽49746
-₽50810
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
income
-
-
-
4 340
pensions
-
-
-
305
total
-
-
-
4 645
Employee
94 938
-
20 650
-
health
1 564
-
42
-
income
17 114
-
4 072
-
pensions
9 159
-
245
-
total
27 837
-
4 359
-
Employer
94 938
-
20 650
-
pensions
11 209
-
957
-
health
1 803
-
393
-
total
13 012
-
1 350
-
Corporate
-
22 000
-
-
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.

-
4 181
-
-
total
-
4 181
-
-
Dividends
-
17 819
-
-
withholding
-
1 337
-
-
total
-
1 337
-
-
Income
22 000
22 000
22 000
22 000
Total tax
40 849
5 518
5 709
4 645
After tax
-18 849
16 482
16 291
17 355
Living cost
67 101
67 101
67 101
67 101
Free-cash
-85 950
-50 619
-50 810
-49 746

Estimated living cost  is ₽67101 per week

₽50280
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽7884
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽546
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8392
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
₽5642
₽977
-₽342
₽720
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
income
-
-
-
3 300
pensions

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

-
-
-
3 256
unemployment
-
-
-
88
health
-
-
-
2 530
total
-
-
-
9 174
Employee
17 436
-
18 392
-
health
802
-
846
-
accident

We are using the highest rate at 1.1%.

192
-
203
-
income
1 743
-
1 839
-
pensions

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

1 531
-
1 615
-
total
4 268
-
4 503
-
Employer
17 436
-
18 392
-
accident

We are using the highest rate at 1.1%.

192
-
203
-
unemployment
104
-
110
-
pensions

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

1 922
-
2 027
-
health
1 203
-
1 269
-
total
3 421
-
3 609
-
Corporate
1 143
22 000
-
-
income
114
2 200
-
-
total
114
2 200
-
-
Dividends
1 029
19 800
-
-
withholding
52
990
-
-
total
52
990
-
-
Income
22 000
22 000
22 000
22 000
Total tax
7 855
3 190
8 112
9 174
After tax
14 145
18 810
13 888
12 826
Living cost
13 168
13 168
13 168
13 168
Free-cash
977
5 642
720
-342

Estimated living cost  is ₽13168 per week

₽7687
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽940
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽349
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4191
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Varna model

Close
Amsterdam , Netherlands
-₽85723
-₽87428
-₽43016
-₽91361
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
income
-
-
-
1 980
pensions
-
-
-
3 961
health
-
-
-
3 378
total
-
-
-
9 319
Employee
93 124
85 775
85 775
-
health
11 618
11 198
13 165
-
income

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

14 040
14 040
14 040
-
pensions
11 768
11 768
15 439
-
total
37 426
37 006
42 644
-
Employer
93 124
85 775
85 775
-
unemployment
3 353
3 088
3 088
-
pensions
6 481
5 970
5 970
-
health
6 471
5 962
5 962
-
total
16 305
15 020
15 020
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
22 000
22 000
22 000
22 000
Total tax
53 731
52 026
57 664
9 319
After tax
-31 731
-30 026
-35 664
12 681
Living cost
55 697
55 697
55 697
55 697
Free-cash
-87 428
-85 723
-91 361
-43 016

Estimated living cost  is ₽55697 per week

₽41086
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4975
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽639
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8999
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Amsterdam model

Close
Brno , Czech Republic
-₽8873
-₽25334
-₽13305
-₽12855
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
income
-
-
-
1 891
health
-
-
-
2 970
solidarity contribution
-
-
-
-
social contributions
-
-
-
6 424
total
-
-
-
11 285
Employee
35 324
-
16 418
-
social contributions
2 296
-
1 067
-
health
4 769
-
2 216
-
solidarity contribution
-
-
-
-
income
4 239
-
1 970
-
total
11 304
-
5 253
-
Employer
35 324
-
16 418
-
social contributions
8 831
-
4 104
-
health
3 179
-
1 478
-
total
12 010
-
5 582
-
Corporate
-
22 000
-
-
income
-
4 180
-
-
total
-
4 180
-
-
Dividends
-
17 820
-
-
withholding
-
2 673
-
-
total
-
2 673
-
-
Income
22 000
22 000
22 000
22 000
Total tax
23 314
6 853
10 835
11 285
After tax
-1 314
15 147
11 165
10 715
Living cost
24 020
24 020
24 020
24 020
Free-cash
-25 334
-8 873
-12 855
-13 305

Estimated living cost  is ₽24020 per week

₽16685
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1709
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽472
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5154
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Brno model

Close
Milan , Italy
-₽30647
-₽67268
-₽31727
-₽33541
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
municipal
-
-
-
114
regional
-
-
-
175
national
-
-
-
3 269
social contributions
-
-
-
7 785
total
-
-
-
11 343
Employee
89 268
-
22 000
-
social contributions
30 101
-
10 205
-
regional
842
-
145
-
municipal
473
-
95
-
national
15 468
-
2 712
-
total
46 884
-
13 157
-
Employer
89 268
-
22 000
-
total
-
-
-
-
Corporate
-
22 000
-
-
nationa
-
5 280
-
-
municipal
-
858
-
-
total
-
6 138
-
-
Dividends
-
15 862
-
-
withholding
-
4 125
-
-
total
-
4 125
-
-
Income
22 000
22 000
22 000
22 000
Total tax
46 884
10 263
13 157
11 343
After tax
-24 884
11 737
8 843
10 657
Living cost
42 384
42 384
42 384
42 384
Free-cash
-67 268
-30 647
-33 541
-31 727

Estimated living cost  is ₽42384 per week

₽29545
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2779
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽650
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9409
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Milan model

Close
Thessaloniki , Greece
-₽8326
-₽18208
-₽9515
-₽9977
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
income
-
-
-
3 162
pensions
-
-
-
4 399
other
-
-
-
-
unemployment
-
-
-
229
health
-
-
-
1 561
surtax
-
-
-
-
total
-
-
-
9 351
Employee
33 216
-
18 174
-
other
-
-
-
-
health
848
-
463
-
surtax
109
-
-
-
income
5 568
-
3 046
-
pensions
2 215
-
1 212
-
unemployment
2 312
-
1 266
-
total
11 052
-
5 987
-
Employer
33 216
-
18 174
-
other
-
-
-
-
unemployment
1 052
-
576
-
pensions
4 428
-
2 423
-
health
1 512
-
827
-
total
6 992
-
3 826
-
Corporate
-
22 000
-
-
income
-
5 720
-
-
total
-
5 720
-
-
Dividends
-
16 280
-
-
withholding
-
2 442
-
-
total
-
2 442
-
-
Income
22 000
22 000
22 000
22 000
Total tax
18 044
8 162
9 813
9 351
After tax
3 956
13 838
12 187
12 649
Living cost
22 164
22 164
22 164
22 164
Free-cash
-18 208
-8 326
-9 977
-9 515

Estimated living cost  is ₽22164 per week

₽13552
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2045
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽511
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6056
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details

Source of data for Thessaloniki model

Close
Cambridge , United Kingdom
-₽29360
-₽49721
-₽28487
-₽29551
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
income
-
-
-
4 340
pensions
-
-
-
305
total
-
-
-
4 645
Employee
63 625
-
20 650
-
health
924
-
42
-
income
11 459
-
4 072
-
pensions
5 400
-
245
-
total
17 783
-
4 359
-
Employer
63 625
-
20 650
-
pensions
6 887
-
957
-
health
1 209
-
393
-
total
8 096
-
1 350
-
Corporate
-
22 000
-
-
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.

-
4 181
-
-
total
-
4 181
-
-
Dividends
-
17 819
-
-
withholding
-
1 337
-
-
total
-
1 337
-
-
Income
22 000
22 000
22 000
22 000
Total tax
25 879
5 518
5 709
4 645
After tax
-3 879
16 482
16 291
17 355
Living cost
45 842
45 842
45 842
45 842
Free-cash
-49 721
-29 360
-29 551
-28 487

Estimated living cost  is ₽45842 per week

₽34344
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3436
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽479
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7581
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽66333
-₽75916
-₽57462
-₽60328
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
city
-
-
-
230
pensions
-
-
-
2 025
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.

-
-
-
440
regional
-
-
-
124
health
-
-
-
249
national
-
-
-
-
total
-
-
-
3 068
Employee
89 401
-
18 761
-
city
959
-
188
-
regional
2 927
-
55
-
health
202
-
43
-
pensions
7 511
-
2 615
-
unemployment
-
-
-
-
national
423
-
-
-
total
12 022
-
2 901
-
Employer
89 401
-
18 761
-
other

This will depend on a canton and a chosen fund. The rate is between 0.1% and 3.63% for an employee. We use 2% as an average rate.

1 787
-
375
-
unemployment
-
-
-
-
pensions
7 511
-
2 615
-
health
202
-
43
-
total
9 500
-
3 033
-
Corporate
-
22 000
-
-
regional
-
4 652
-
-
national
-
1 870
-
-
total
-
6 522
-
-
Dividends
-
15 478
-
-
withholding
-
5 417
-
-
total
-
5 417
-
-
Income
22 000
22 000
22 000
22 000
Total tax
21 522
11 939
5 934
3 068
After tax
478
10 061
16 066
18 932
Living cost
76 394
76 394
76 394
76 394
Free-cash
-75 916
-66 333
-60 328
-57 462

Estimated living cost  is ₽76394 per week

₽49678
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6856
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽938
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽18922
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details

Additional information

It is extremely rare that a Third Country National (non-EU/EFTA/Swiss and without a long-term EU resident permit) is given a residence permit based on self-employment.

Source of data for Zurich model

Close
Munich , Germany
-₽34887
-₽38365
-₽30876
-₽30876
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
22 000
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.

-
-
-
6 862
surtax

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

-
-
-
-
total
-
-
-
6 862
Employee

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

60 365
-
22 000
-
health

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

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

6 862
-
6 862
-
surtax

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

391
-
-
-
income

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

7 098
-
-
-
total
14 351
-
6 862
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
22 000
-
-
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.

-
181
-
-
income
-
3 299
-
-
trade
-
3 772
-
-
chamber of commerce
-
183
-
-
total
-
7 435
-
-
Dividends
-
14 564
-
-
surtax

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

-
179
-
-
withholding
-
3 259
-
-
total
-
3 438
-
-
Income
22 000
22 000
22 000
22 000
Total tax
14 351
10 873
6 862
6 862
After tax
7 649
11 127
15 138
15 138
Living cost
46 014
46 014
46 014
46 014
Free-cash
-38 365
-34 887
-30 876
-30 876

Estimated living cost  is ₽46014 per week

₽33607
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3681
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽599
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8130
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Additional information

Nationals of Europe, Australia, Canada, Israel, Japan, the Republic of Korea, New Zealand and the USA do not require an entry type D visa (not to confuse with a Schengen visa or a visa-free entry). For other nationals, waiting time is around 6-9 months which includes document preparation and processing.

Source of data for Munich model

Close
Nice , France
-₽23280
-₽34414
-₽21251
-₽19974
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
income
-
-
-
-
pensions
-
-
-
7 308
other
-
-
-
682
health
-
-
-
269
surtax
-
-
-
-
social contributions
-
-
-
627
total
-
-
-
8 886
Employee
42 988
-
16 766
-
social contributions
1 226
-
477
-
surtax
-
-
-
-
income
2 537
-
-
-
pensions
4 861
-
1 897
-
total
8 624
-
2 374
-
Employer
42 988
-
16 766
-
other
1 483
-
578
-
social contributions
130
-
50
-
unemployment
1 740
-
679
-
pensions
7 062
-
2 754
-
health
3 010
-
1 174
-
total
13 425
-
5 235
-
Corporate
-
22 000
-
-
surtax
-
-
-
-
income
-
6 161
-
-
total
-
6 161
-
-
Dividends
-
15 839
-
-
surtax
-
-
-
-
social contributions
-
2 726
-
-
withholding
-
2 028
-
-
total
-
4 754
-
-
Income
22 000
22 000
22 000
22 000
Total tax
22 049
10 915
7 609
8 886
After tax
-49
11 085
14 391
13 114
Living cost
34 365
34 365
34 365
34 365
Free-cash
-34 414
-23 280
-19 974
-21 251

Estimated living cost  is ₽34365 per week

₽21669
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2794
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽585
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9319
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Nice model

Close
Marseille , France
-₽19875
-₽28356
-₽17846
-₽16569
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
income
-
-
-
-
pensions
-
-
-
7 308
other
-
-
-
682
health
-
-
-
269
surtax
-
-
-
-
social contributions
-
-
-
627
total
-
-
-
8 886
Employee
38 373
-
16 766
-
social contributions
1 094
-
477
-
surtax
-
-
-
-
income
1 979
-
-
-
pensions
4 340
-
1 897
-
total
7 413
-
2 374
-
Employer
38 373
-
16 766
-
other
1 325
-
578
-
social contributions
114
-
50
-
unemployment
1 553
-
679
-
pensions
6 305
-
2 754
-
health
2 686
-
1 174
-
total
11 983
-
5 235
-
Corporate
-
22 000
-
-
surtax
-
-
-
-
income
-
6 161
-
-
total
-
6 161
-
-
Dividends
-
15 839
-
-
surtax
-
-
-
-
social contributions
-
2 726
-
-
withholding
-
2 028
-
-
total
-
4 754
-
-
Income
22 000
22 000
22 000
22 000
Total tax
19 396
10 915
7 609
8 886
After tax
2 604
11 085
14 391
13 114
Living cost
30 960
30 960
30 960
30 960
Free-cash
-28 356
-19 875
-16 569
-17 846

Estimated living cost  is ₽30960 per week

₽17956
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3145
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽587
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9273
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽7877
-₽14694
-₽7170
-₽9807
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
income
-
-
-
3 299
health
-
-
-
1 536
social contributions
-
-
-
3 036
total
-
-
-
7 871
Employee
34 056
-
22 000
-
social contributions
4 700
-
3 036
-
health
2 377
-
1 536
-
income
5 680
-
5 936
-
total
12 757
-
10 508
-
Employer
34 056
-
22 000
-
total
-
-
-
-
Corporate
-
22 000
-
-
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%.

-
1 100
-
-
total
-
1 100
-
-
Dividends
-
20 900
-
-
health
886
1 458
-
-
social contributions
1 752
2 884
-
-
withholding
-
3 136
-
-
total
2 638
7 478
-
-
Income
22 000
22 000
22 000
22 000
Total tax
15 395
8 578
10 508
7 871
After tax
6 605
13 422
11 492
14 129
Living cost
21 299
21 299
21 299
21 299
Free-cash
-14 694
-7 877
-9 807
-7 170

Estimated living cost  is ₽21299 per week

₽14254
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1313
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽490
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5240
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Vilnius model

Close
Vienna , Austria
-₽36264
-₽43794
-₽25592
-₽29951
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
chamber of commerce
-
-
-
88
income
-
-
-
-
pensions
-
-
-
4 070
unemployment
-
-
-
6 161
health
-
-
-
1 683
surtax
-
-
-
198
total
-
-
-
12 200
Employee
50 197
40 028
40 028
-
other
501
400
156
-
health
1 942
1 550
602
-
income
5 715
2 953
4 352
-
pensions
5 141
4 098
1 592
-
unemployment
1 506
1 201
467
-
total
14 805
10 202
7 169
-
Employer
50 197
40 028
40 028
-
accident
652
520
202
-
other
2 385
1 900
1 693
-
chamber of commerce
200
160
160
-
unemployment
1 506
1 201
467
-
surtax
198
198
198
-
pensions
6 300
5 024
1 950
-
payroll
1 506
1 201
1 201
-
health
1 897
1 513
587
-
total
14 644
11 717
6 458
-
Corporate
3 812
3 812
11 730
-
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.

953
953
2 932
-
total
953
953
2 932
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
22 000
22 000
22 000
22 000
Total tax
30 402
22 872
16 559
12 200
After tax
-8 402
-872
5 441
9 800
Living cost
35 392
35 392
35 392
35 392
Free-cash
-43 794
-36 264
-29 951
-25 592

Estimated living cost  is ₽35392 per week

₽23605
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3019
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽581
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8187
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Additional information

As a Third Country National (non-EU/EFTA/Swiss and without a long-term EU resident permit), you can apply for permanent residence when your business creates macroeconomic benefit. This could be an investment starting from €100,000, creating new jobs or securing existing ones, or making a substantial contribution to the region's economy. You can also be considered with a transfer of know-how to Austria or an evident commitment to develop an innovative product or technology.

Source of data for Vienna model

Close
Brussels , Belgium
-₽23997
-₽70762
-₽25097
-₽26404
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
national
-
-
-
4 176
communal

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

-
-
-
1 003
social contributions
-
-
-
5 295
total
-
-
-
10 474
Employee

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

71 848
-
17 038
-
communal

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

3 747
-
888
-
health

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

3 376
-
801
-
pensions

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

5 389
-
1 277
-
unemployment

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

625
-
149
-
national
22 089
-
3 704
-
total
35 226
-
6 819
-
Employer

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

71 848
-
17 038
-
accident

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

934
-
221
-
unemployment

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

1 048
-
250
-
surtax
8 147
-
1 933
-
pensions

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

6 366
-
1 510
-
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.

4 418
-
1 048
-
total
20 913
-
4 962
-
Corporate
-
22 000
-
-
surtax
-
88
-
-
income
-
4 399
-
-
total
-
4 487
-
-
Dividends
-
17 513
-
-
withholding

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

-
4 887
-
-
total
-
4 887
-
-
Income
22 000
22 000
22 000
22 000
Total tax
56 139
9 374
11 781
10 474
After tax
-34 139
12 626
10 219
11 526
Living cost
36 623
36 623
36 623
36 623
Free-cash
-70 762
-23 997
-26 404
-25 097

Estimated living cost  is ₽36623 per week

₽23590
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3202
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽574
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9258
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Brussels model

Close
Barcelona , Spain
-₽21271
-₽43936
-₽23800
-₽28841
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
accident
-
-
-
198
income
-
-
-
2 926
pensions
-
-
-
6 225
other
-
-
-
23
unemployment
-
-
-
154
total
-
-
-
9 526
Employee
49 998
-
11 307
-
other
50
-
34
-
income
10 549
-
1 744
-
pensions
2 350
-
1 576
-
unemployment
776
-
520
-
total
13 725
-
3 874
-
Employer
49 998
-
11 307
-
accident
989
-
663
-
other
398
-
269
-
unemployment
2 751
-
1 845
-
pensions
11 799
-
7 916
-
total
15 937
-
10 693
-
Corporate
-
22 000
-
-
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.

-
3 299
-
-
total
-
3 299
-
-
Dividends
-
18 701
-
-
withholding
-
3 698
-
-
total
-
3 698
-
-
Income
22 000
22 000
22 000
22 000
Total tax
29 662
6 997
14 567
9 526
After tax
-7 662
15 003
7 433
12 474
Living cost
36 274
36 274
36 274
36 274
Free-cash
-43 936
-21 271
-28 841
-23 800

Estimated living cost  is ₽36274 per week

₽26712
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2573
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽522
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6466
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Barcelona model

Close
Luxembourg , Luxembourg
-₽39531
-₽63151
-₽44970
-₽44973
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
accident
-
-
-
431
income
-
-
-
-
pensions
-
-
-
7 647
health
-
-
-
3 583
surtax
-
-
-
724
communal
-
-
-
-
total
-
-
-
12 385
Employee
76 065
-
16 287
-
health
3 385
-
2 127
-
surtax
4 662
-
724
-
income
7 347
-
-
-
pensions
6 084
-
3 824
-
total
21 478
-
6 675
-
Employer
76 065
-
16 287
-
accident
684
-
431
-
pensions
6 084
-
3 824
-
health
2 320
-
1 458
-
total
9 088
-
5 713
-
Corporate
-
22 000
-
-
surtax
-
231
-
-
communal
-
-
-
-
income
-
3 299
-
-
total
-
3 530
-
-
Dividends
-
18 470
-
-
income
-
646
-
-
withholding
-
2 770
-
-
total
-
3 416
-
-
Income
22 000
22 000
22 000
22 000
Total tax
30 566
6 946
12 388
12 385
After tax
-8 566
15 054
9 612
9 615
Living cost
54 585
54 585
54 585
54 585
Free-cash
-63 151
-39 531
-44 973
-44 970

Estimated living cost  is ₽54585 per week

₽40947
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3307
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽578
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9752
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Luxembourg model

Close
Athens , Greece
-₽8723
-₽18947
-₽9912
-₽10374
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
income
-
-
-
3 162
pensions
-
-
-
4 399
other
-
-
-
-
unemployment
-
-
-
229
health
-
-
-
1 561
surtax
-
-
-
-
total
-
-
-
9 351
Employee
33 826
-
18 174
-
other
-
-
-
-
health
863
-
463
-
surtax
120
-
-
-
income
5 671
-
3 046
-
pensions
2 257
-
1 212
-
unemployment
2 354
-
1 266
-
total
11 265
-
5 987
-
Employer
33 826
-
18 174
-
other
-
-
-
-
unemployment
1 073
-
576
-
pensions
4 510
-
2 423
-
health
1 538
-
827
-
total
7 121
-
3 826
-
Corporate
-
22 000
-
-
income
-
5 720
-
-
total
-
5 720
-
-
Dividends
-
16 280
-
-
withholding
-
2 442
-
-
total
-
2 442
-
-
Income
22 000
22 000
22 000
22 000
Total tax
18 386
8 162
9 813
9 351
After tax
3 614
13 838
12 187
12 649
Living cost
22 561
22 561
22 561
22 561
Free-cash
-18 947
-8 723
-10 374
-9 912

Estimated living cost  is ₽22561 per week

₽13621
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1961
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽524
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6456
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details

Source of data for Athens model

Close
Naples , Italy
-₽15493
-₽33717
-₽16513
-₽18309
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
municipal
-
-
-
114
regional
-
-
-
288
national
-
-
-
3 269
social contributions
-
-
-
7 785
total
-
-
-
11 456
Employee
55 717
-
22 000
-
social contributions
18 788
-
10 205
-
regional
750
-
240
-
municipal
295
-
95
-
national
8 827
-
2 712
-
total
28 660
-
13 252
-
Employer
55 717
-
22 000
-
total
-
-
-
-
Corporate
-
22 000
-
-
nationa
-
5 280
-
-
municipal
-
1 094
-
-
total
-
6 374
-
-
Dividends
-
15 626
-
-
withholding
-
4 062
-
-
total
-
4 062
-
-
Income
22 000
22 000
22 000
22 000
Total tax
28 660
10 436
13 252
11 456
After tax
-6 660
11 564
8 748
10 544
Living cost
27 057
27 057
27 057
27 057
Free-cash
-33 717
-15 493
-18 309
-16 513

Estimated living cost  is ₽27057 per week

₽16827
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2741
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽463
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7026
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Naples model

Close
Prague , Czech Republic
-₽14452
-₽36327
-₽18884
-₽18434
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
income
-
-
-
1 891
health
-
-
-
2 970
solidarity contribution
-
-
-
-
social contributions
-
-
-
6 424
total
-
-
-
11 285
Employee
43 528
-
16 418
-
social contributions
2 829
-
1 067
-
health
5 876
-
2 216
-
solidarity contribution
-
-
-
-
income
5 223
-
1 970
-
total
13 928
-
5 253
-
Employer
43 528
-
16 418
-
social contributions
10 882
-
4 104
-
health
3 918
-
1 478
-
total
14 800
-
5 582
-
Corporate
-
22 000
-
-
income
-
4 180
-
-
total
-
4 180
-
-
Dividends
-
17 820
-
-
withholding
-
2 673
-
-
total
-
2 673
-
-
Income
22 000
22 000
22 000
22 000
Total tax
28 728
6 853
10 835
11 285
After tax
-6 728
15 147
11 165
10 715
Living cost
29 599
29 599
29 599
29 599
Free-cash
-36 327
-14 452
-18 434
-18 884

Estimated living cost  is ₽29599 per week

₽22012
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1640
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽512
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5436
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽32719
-₽35494
-₽22047
-₽26500
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
chamber of commerce
-
-
-
88
income
-
-
-
-
pensions
-
-
-
4 070
unemployment
-
-
-
6 161
health
-
-
-
1 683
surtax
-
-
-
-
total
-
-
-
12 002
Employee
43 907
40 028
40 028
-
other
438
400
156
-
health
1 698
1 550
608
-
income
3 911
2 953
4 342
-
pensions
4 497
4 098
1 609
-
unemployment
1 317
1 201
471
-
total
11 861
10 202
7 186
-
Employer
43 907
40 028
40 028
-
accident
570
520
204
-
other
2 085
1 900
1 695
-
chamber of commerce
175
160
160
-
unemployment
1 317
1 201
471
-
surtax
-
-
-
-
pensions
5 511
5 024
1 971
-
payroll
1 317
1 201
1 201
-
health
1 660
1 513
593
-
total
12 635
11 519
6 295
-
Corporate
3 812
3 812
11 894
-
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.

953
953
2 974
-
total
953
953
2 974
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
22 000
22 000
22 000
22 000
Total tax
25 449
22 674
16 455
12 002
After tax
-3 449
-674
5 545
9 998
Living cost
32 045
32 045
32 045
32 045
Free-cash
-35 494
-32 719
-26 500
-22 047

Estimated living cost  is ₽32045 per week

₽19223
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3273
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽572
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8978
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Additional information

As a Third Country National (non-EU/EFTA/Swiss and without a long-term EU resident permit), you can apply for permanent residence when your business creates macroeconomic benefit. This could be an investment starting from €100,000, creating new jobs or securing existing ones, or making a substantial contribution to the region's economy. You can also be considered with a transfer of know-how to Austria or an evident commitment to develop an innovative product or technology.

Source of data for Graz model

Close
Tbilisi , Georgia
₽6720
₽4061
₽7600
₽3420
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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%.

-
-
-
22 000
microenterprise

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

-
-
-
220
total
-
-
-
220
Employee
17 726
-
22 000
-
income
3 545
-
4 400
-
total
3 545
-
4 400
-
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%.

4 274
22 000
-
-
total
-
-
-
-
Dividends
4 274
22 000
-
-
withholding
214
1 100
-
-
total
214
1 100
-
-
Income
22 000
22 000
22 000
22 000
Total tax
3 759
1 100
4 400
220
After tax
18 241
20 900
17 600
21 780
Living cost
14 180
14 180
14 180
14 180
Free-cash
4 061
6 720
3 420
7 600

Estimated living cost  is ₽14180 per week

₽9596
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽595
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽476
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3513
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Additional information

Social security system in Georgia is financed from the government taxes which are part of our internal model. Separate pension and medical insurance contributions are not compulsory. It is advisable to purchase health insurance privately as in an event of medical emergency the treatment is likely to get costly.

Source of data for Tbilisi model

Close
Ljubljana , Slovenia
-₽11793
-₽29333
-₽13734
-₽14485
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
22 000
income
-
-
-
2 580
pensions
-
-
-
4 018
unemployment
-
-
-
32
health
-
-
-
2 163
total
-
-
-
8 793
Employee

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

44 416
-
19 036
-
health
2 869
-
1 229
-
income
7 660
-
2 373
-
pensions
6 885
-
2 951
-
unemployment
63
-
27
-
total
17 477
-
6 580
-
Employer

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

44 416
-
19 036
-
unemployment
27
-
11
-
pensions
3 930
-
1 685
-
health
2 958
-
1 268
-
total
6 915
-
2 964
-
Corporate
-
22 000
-
-
income
-
4 180
-
-
total
-
4 180
-
-
Dividends
-
17 820
-
-
withholding
-
2 672
-
-
total
-
2 672
-
-
Income
22 000
22 000
22 000
22 000
Total tax
24 392
6 852
9 544
8 793
After tax
-2 392
15 148
12 456
13 207
Living cost
26 941
26 941
26 941
26 941
Free-cash
-29 333
-11 793
-14 485
-13 734

Estimated living cost  is ₽26941 per week

₽18489
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1727
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽522
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6204
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽30179
-₽128541
-₽28360
-₽36595
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
income
-
-
-
4 288
social contributions
-
-
-
2 508
total
-
-
-
6 796
Employee
62 465
-
8 679
-
social contributions
5 122
-
730
-
income
13 779
-
1 749
-
total
18 901
-
2 479
-
Employer
62 465
-
8 679
-
social contributions
88 076
-
12 552
-
total
88 076
-
12 552
-
Corporate
-
22 000
-
-
income
-
4 840
-
-
total
-
4 840
-
-
Dividends
-
17 160
-
-
income
-
3 775
-
-
total
-
3 775
-
-
Income
22 000
22 000
22 000
22 000
Total tax
106 977
8 615
15 031
6 796
After tax
-84 977
13 385
6 969
15 204
Living cost
43 564
43 564
43 564
43 564
Free-cash
-128 541
-30 179
-36 595
-28 360

Estimated living cost  is ₽43564 per week

₽28266
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4097
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽555
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10646
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽18992
-₽35169
-₽18436
-₽18174
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
22 000
income
-
-
-
1 285
surtax
-
-
-
-
social contributions

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

-
-
-
7 645
total
-
-
-
8 930
Employee
46 196
-
17 778
-
social contributions
5 082
-
1 956
-
surtax
-
-
-
-
income
9 609
-
2 490
-
total
14 691
-
4 446
-
Employer
46 196
-
17 778
-
social contributions
10 972
-
4 222
-
total
10 972
-
4 222
-
Corporate
-
22 000
-
-
surtax
-
-
-
-
income
-
4 620
-
-
total
-
4 620
-
-
Dividends
-
17 380
-
-
withholding
-
4 866
-
-
total
-
4 866
-
-
Income
22 000
22 000
22 000
22 000
Total tax
25 663
9 486
8 668
8 930
After tax
-3 663
12 514
13 332
13 070
Living cost
31 506
31 506
31 506
31 506
Free-cash
-35 169
-18 992
-18 174
-18 436

Estimated living cost  is ₽31506 per week

₽23573
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1858
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽526
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5549
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Lisbon model

Close
Paris , France
-₽37428
-₽60557
-₽35399
-₽34122
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
income
-
-
-
-
pensions
-
-
-
7 308
other
-
-
-
682
health
-
-
-
269
surtax
-
-
-
-
social contributions
-
-
-
627
total
-
-
-
8 886
Employee
62 910
-
16 766
-
social contributions
1 792
-
477
-
surtax
-
-
-
-
income
5 489
-
-
-
pensions
7 115
-
1 897
-
total
14 396
-
2 374
-
Employer
62 910
-
16 766
-
other
2 171
-
578
-
social contributions
189
-
50
-
unemployment
2 548
-
679
-
pensions
10 337
-
2 754
-
health
4 403
-
1 174
-
total
19 648
-
5 235
-
Corporate
-
22 000
-
-
surtax
-
-
-
-
income
-
6 161
-
-
total
-
6 161
-
-
Dividends
-
15 839
-
-
surtax
-
-
-
-
social contributions
-
2 726
-
-
withholding
-
2 028
-
-
total
-
4 754
-
-
Income
22 000
22 000
22 000
22 000
Total tax
34 044
10 915
7 609
8 886
After tax
-12 044
11 085
14 391
13 114
Living cost
48 513
48 513
48 513
48 513
Free-cash
-60 557
-37 428
-34 122
-35 399

Estimated living cost  is ₽48513 per week

₽32833
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3969
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽665
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽11046
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Paris model

Close
Andorra , Andorra
-₽10393
-₽15297
-₽13033
-₽12385
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
income
-
-
-
-
social contributions
-
-
-
4 840
total
-
-
-
4 840
Employee
32 292
-
19 047
-
income
-
-
-
-
social contributions
2 099
-
1 239
-
total
2 099
-
1 239
-
Employer
32 292
-
19 047
-
social contributions
5 005
-
2 953
-
total
5 005
-
2 953
-
Corporate
-
22 000
-
-
income
-
2 200
-
-
total
-
2 200
-
-
Dividends
-
19 800
-
-
total
-
-
-
-
Income
22 000
22 000
22 000
22 000
Total tax
7 104
2 200
4 192
4 840
After tax
14 896
19 800
17 808
17 160
Living cost
30 193
30 193
30 193
30 193
Free-cash
-15 297
-10 393
-12 385
-13 033

Estimated living cost  is ₽30193 per week

₽19522
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2276
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽568
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7826
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Additional information

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
-₽196845
-₽196845
-₽31796
-₽196845
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
municipal
-
-
-
1 724
pensions
-
-
-
871
national
-
-
-
1 137
labour market
-
-
-
1 690
total
-
-
-
5 422
Employee
204 176
204 176
204 176
-
labour market
16 311
16 311
16 311
-
national
24 944
24 944
24 944
-
municipal
43 478
43 478
43 478
-
pensions
290
290
290
-
total
85 023
85 023
85 023
-
Employer
204 176
204 176
204 176
-
labour market
16 334
16 334
16 334
-
municipal
43 547
43 547
43 547
-
pensions
580
580
580
-
national
24 987
24 987
24 987
-
total
85 448
85 448
85 448
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
22 000
22 000
22 000
22 000
Total tax
170 471
170 471
170 471
5 422
After tax
-148 471
-148 471
-148 471
16 578
Living cost
48 374
48 374
48 374
48 374
Free-cash
-196 845
-196 845
-196 845
-31 796

Estimated living cost  is ₽48374 per week

₽33108
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4279
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽744
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10243
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Copenhagen model

Close
Krakow , Poland
-₽19937
-₽19127
-₽9364
-₽10101
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
accident
-
-
-
253
income
-
-
-
2 667
pensions
-
-
-
4 169
other
-
-
-
371
health
-
-
-
2 185
total
-
-
-
9 645
Employee
34 165
-
18 276
-
health
3 912
-
2 092
-
income
4 687
-
2 507
-
pensions
3 847
-
2 058
-
total
12 446
-
6 657
-
Employer
34 165
-
18 276
-
accident
570
-
305
-
unemployment
837
-
448
-
pensions
5 555
-
2 972
-
total
6 962
-
3 725
-
Corporate
-
22 000
-
-
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.

-
19 800
-
-
total
-
19 800
-
-
Dividends
-
2 200
-
-
withholding
-
418
-
-
total
-
418
-
-
Income
22 000
22 000
22 000
22 000
Total tax
19 408
20 218
10 382
9 645
After tax
2 592
1 782
11 618
12 355
Living cost
21 719
21 719
21 719
21 719
Free-cash
-19 127
-19 937
-10 101
-9 364

Estimated living cost  is ₽21719 per week

₽15809
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1238
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽408
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4264
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Additional information

Poland permits registration as a sole-trader only for EU nationals or long-term EU resident permit holders. Other nationals should use a business incubator or set up a company and hire themselves as an employee.

Source of data for Krakow model

Close
Helsinki , Finland
-₽23339
-₽40816
-₽20524
-₽24636
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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

-
-
-
22 000
municipal
-
-
-
3 961
health
-
-
-
-
national
-
-
-
-
total
-
-
-
3 961
Employee
52 845
-
18 506
-
health
395
-
-
-
municipal
8 656
-
3 055
-
pensions
3 566
-
1 248
-
unemployment
793
-
278
-
national
873
-
-
-
total
14 283
-
4 581
-
Employer
52 845
-
18 506
-
accident
53
-
19
-
unemployment
343
-
120
-
pensions
9 168
-
3 210
-
health
406
-
143
-
total
9 970
-
3 492
-
Corporate
-
22 000
-
-
income
-
4 399
-
-
total
-
4 399
-
-
Dividends

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

-
13 201
-
-
national
-
-
-
-
municipal
-
2 377
-
-
total
-
2 377
-
-
Income
22 000
22 000
22 000
22 000
Total tax
24 253
6 776
8 073
3 961
After tax
-2 253
15 224
13 927
18 039
Living cost
38 563
38 563
38 563
38 563
Free-cash
-40 816
-23 339
-24 636
-20 524

Estimated living cost  is ₽38563 per week

₽25189
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3709
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽614
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9052
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Additional information

Finland permits registration as a sole-trader only for EU nationals or long-term EU resident permit holders. Other nationals should set up a company and hire themselves as an employee.

Source of data for Helsinki model

Close
Larnaca , Cyprus
-₽23968
-₽16754
-₽8186
-₽15187
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
38 184
income
-
-
-
-
health
-
-
-
974
social contributions
-
-
-
5 957
total
-
-
-
6 931
Employee
77 236
77 236
77 236
-
social contributions
2 920
6 410
2 162
-
health
599
1 313
442
-
income
8 410
7 150
8 684
-
total
11 929
14 873
11 288
-
Employer
77 236
77 236
77 236
-
social contributions
2 920
6 410
2 162
-
health
650
1 430
482
-
total
3 570
7 840
2 644
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
22 000
22 000
22 000
22 000
Total tax
15 499
22 713
13 932
6 931
After tax
6 501
-713
8 068
15 069
Living cost
23 255
23 255
23 255
23 255
Free-cash
-16 754
-23 968
-15 187
-8 186

Estimated living cost  is ₽23255 per week

₽13937
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2282
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽515
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6523
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Larnaca model

Close
Podgorica , Montenegro
₽2272
-₽3427
-₽5075
-₽2154
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
22 000
income
-
-
-
1 075
pensions
-
-
-
6 389
unemployment
-
-
-
29
health
-
-
-
3 635
total
-
-
-
11 128
Employee

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

23 055
-
19 945
-
health
1 959
-
1 695
-
income
1 576
-
1 365
-
pensions
3 458
-
2 993
-
unemployment
114
-
99
-
total
7 107
-
6 152
-
Employer

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

23 055
-
19 945
-
unemployment
114
-
99
-
pensions
1 268
-
1 098
-
health
991
-
858
-
total
2 373
-
2 055
-
Corporate
-
22 000
-
-
income
-
1 980
-
-
total
-
1 980
-
-
Dividends
-
20 020
-
-
withholding
-
1 801
-
-
total
-
1 801
-
-
Income
22 000
22 000
22 000
22 000
Total tax
9 480
3 781
8 207
11 128
After tax
12 520
18 219
13 793
10 872
Living cost
15 947
15 947
15 947
15 947
Free-cash
-3 427
2 272
-2 154
-5 075

Estimated living cost  is ₽15947 per week

₽10175
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1149
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽475
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4148
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Podgorica model

Close
Valencia , Spain
-₽12618
-₽26979
-₽15147
-₽20188
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
accident
-
-
-
198
income
-
-
-
2 926
pensions
-
-
-
6 225
other
-
-
-
23
unemployment
-
-
-
154
total
-
-
-
9 526
Employee
37 140
-
11 307
-
other
36
-
34
-
income
7 160
-
1 744
-
pensions
1 746
-
1 576
-
unemployment
576
-
520
-
total
9 518
-
3 874
-
Employer
37 140
-
11 307
-
accident
736
-
663
-
other
297
-
269
-
unemployment
2 043
-
1 845
-
pensions
8 764
-
7 916
-
total
11 840
-
10 693
-
Corporate
-
22 000
-
-
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.

-
3 299
-
-
total
-
3 299
-
-
Dividends
-
18 701
-
-
withholding
-
3 698
-
-
total
-
3 698
-
-
Income
22 000
22 000
22 000
22 000
Total tax
21 358
6 997
14 567
9 526
After tax
642
15 003
7 433
12 474
Living cost
27 621
27 621
27 621
27 621
Free-cash
-26 979
-12 618
-20 188
-15 147

Estimated living cost  is ₽27621 per week

₽18644
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2655
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽484
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5838
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽10978
₽10527
₽9935
₽9739
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
income
-
-
-
5 854
pensions
-
-
-
2 006
health
-
-
-
1 455
total
-
-
-
9 315
Employee
4 189
-
19 743
-
health
209
-
502
-
income
810
-
5 749
-
pensions
377
-
903
-
unemployment
42
-
100
-
total
1 438
-
7 254
-
Employer
4 189
-
19 743
-
unemployment
84
-
201
-
pensions
461
-
1 103
-
health
398
-
953
-
total
943
-
2 257
-
Corporate
16 868
22 000
-
-
income
3 711
4 840
-
-
total
3 711
4 840
-
-
Dividends
13 157
17 160
-
-
withholding
2 631
3 432
-
-
total
2 631
3 432
-
-
Income
22 000
22 000
22 000
22 000
Total tax
8 723
8 272
9 511
9 315
After tax
13 277
13 728
12 489
12 685
Living cost
2 750
2 750
2 750
2 750
Free-cash
10 527
10 978
9 739
9 935

Estimated living cost  is ₽2750 per week

₽1635
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽223
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽63
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽830
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details

Source of data for Istanbul model

Close
Belgrade , Serbia
-₽1475
-₽8880
-₽5472
-₽4525
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
22 000
income
-
-
-
1 786
pensions
-
-
-
5 720
unemployment
-
-
-
330
health
-
-
-
2 266
total
-
-
-
10 102
Employee

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

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

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

26 193
-
18 660
-
health
1 349
-
961
-
income
3 610
-
2 102
-
pensions
3 667
-
2 612
-
unemployment
196
-
140
-
total
8 822
-
5 815
-
Employer

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

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

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

26 193
-
18 660
-
unemployment
196
-
140
-
pensions
3 143
-
2 239
-
health
1 349
-
961
-
total
4 688
-
3 340
-
Corporate
-
22 000
-
-
income
-
3 300
-
-
total
-
3 300
-
-
Dividends
-
18 700
-
-
withholding
-
2 805
-
-
total
-
2 805
-
-
Income
22 000
22 000
22 000
22 000
Total tax
13 510
6 105
9 155
10 102
After tax
8 490
15 895
12 845
11 898
Living cost
17 370
17 370
17 370
17 370
Free-cash
-8 880
-1 475
-4 525
-5 472

Estimated living cost  is ₽17370 per week

₽11695
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1344
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽503
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3828
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Belgrade model

Close
Porto , Portugal
-₽14565
-₽26243
-₽14009
-₽13747
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
22 000
income
-
-
-
1 285
surtax
-
-
-
-
social contributions

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

-
-
-
7 645
total
-
-
-
8 930
Employee
38 984
-
17 778
-
social contributions
4 289
-
1 956
-
surtax
-
-
-
-
income
7 617
-
2 490
-
total
11 906
-
4 446
-
Employer
38 984
-
17 778
-
social contributions
9 258
-
4 222
-
total
9 258
-
4 222
-
Corporate
-
22 000
-
-
surtax
-
-
-
-
income
-
4 620
-
-
total
-
4 620
-
-
Dividends
-
17 380
-
-
withholding
-
4 866
-
-
total
-
4 866
-
-
Income
22 000
22 000
22 000
22 000
Total tax
21 164
9 486
8 668
8 930
After tax
836
12 514
13 332
13 070
Living cost
27 079
27 079
27 079
27 079
Free-cash
-26 243
-14 565
-13 747
-14 009

Estimated living cost  is ₽27079 per week

₽19179
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1881
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽480
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5539
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Porto model

Close
Madrid , Spain
-₽20297
-₽41978
-₽22826
-₽27867
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
accident
-
-
-
198
income
-
-
-
2 926
pensions
-
-
-
6 225
other
-
-
-
23
unemployment
-
-
-
154
total
-
-
-
9 526
Employee
48 510
-
11 307
-
other
48
-
34
-
income
10 132
-
1 744
-
pensions
2 280
-
1 576
-
unemployment
751
-
520
-
total
13 211
-
3 874
-
Employer
48 510
-
11 307
-
accident
961
-
663
-
other
389
-
269
-
unemployment
2 669
-
1 845
-
pensions
11 448
-
7 916
-
total
15 467
-
10 693
-
Corporate
-
22 000
-
-
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.

-
3 299
-
-
total
-
3 299
-
-
Dividends
-
18 701
-
-
withholding
-
3 698
-
-
total
-
3 698
-
-
Income
22 000
22 000
22 000
22 000
Total tax
28 678
6 997
14 567
9 526
After tax
-6 678
15 003
7 433
12 474
Living cost
35 300
35 300
35 300
35 300
Free-cash
-41 978
-20 297
-27 867
-22 826

Estimated living cost  is ₽35300 per week

₽25351
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2745
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽497
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6708
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Madrid model

Close
Sofia , Bulgaria
₽1534
-₽5363
-₽4450
-₽3388
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
income
-
-
-
3 300
pensions

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

-
-
-
3 256
unemployment
-
-
-
88
health
-
-
-
2 530
total
-
-
-
9 174
Employee
22 876
-
18 392
-
health
1 052
-
846
-
accident

We are using the highest rate at 1.1%.

251
-
203
-
income
2 288
-
1 839
-
pensions

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

2 008
-
1 615
-
total
5 599
-
4 503
-
Employer
22 876
-
18 392
-
accident

We are using the highest rate at 1.1%.

251
-
203
-
unemployment
137
-
110
-
pensions

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

2 521
-
2 027
-
health
1 579
-
1 269
-
total
4 488
-
3 609
-
Corporate
-
22 000
-
-
income
-
2 200
-
-
total
-
2 200
-
-
Dividends
-
19 800
-
-
withholding
-
990
-
-
total
-
990
-
-
Income
22 000
22 000
22 000
22 000
Total tax
10 087
3 190
8 112
9 174
After tax
11 913
18 810
13 888
12 826
Living cost
17 276
17 276
17 276
17 276
Free-cash
-5 363
1 534
-3 388
-4 450

Estimated living cost  is ₽17276 per week

₽11426
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽989
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽412
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4449
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Sofia model

Close
Berlin , Germany
-₽27200
-₽27978
-₽23641
-₽23641
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
22 000
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.

-
-
-
6 862
surtax

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

-
-
-
-
total
-
-
-
6 862
Employee

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

49 977
-
22 000
-
health

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

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

6 862
-
6 862
-
surtax

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

227
-
-
-
income

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

4 110
-
-
-
total
11 199
-
6 862
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
22 000
-
-
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.

-
181
-
-
income
-
3 299
-
-
trade
-
3 157
-
-
chamber of commerce
-
185
-
-
total
-
6 822
-
-
Dividends
-
15 178
-
-
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.

-
187
-
-
withholding
-
3 412
-
-
total
-
3 599
-
-
Income
22 000
22 000
22 000
22 000
Total tax
11 199
10 421
6 862
6 862
After tax
10 801
11 579
15 138
15 138
Living cost
38 779
38 779
38 779
38 779
Free-cash
-27 978
-27 200
-23 641
-23 641

Estimated living cost  is ₽38779 per week

₽26750
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4172
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽562
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7293
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Additional information

Nationals of Europe, Australia, Canada, Israel, Japan, the Republic of Korea, New Zealand and the USA do not require an entry type D visa (not to confuse with a Schengen visa or a visa-free entry). For other nationals, waiting time is around 6-9 months which includes document preparation and processing.

Source of data for Berlin model

Close
Dublin , Ireland
-₽41818
-₽56570
-₽36970
-₽36970
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
income
-
-
-
1 254
social contributions
-
-
-
499
total
-
-
-
1 753
Employee
78 569
-
22 000
-
income
14 826
-
1 254
-
social contributions
6 527
-
499
-
total
21 353
-
1 753
-
Employer
78 569
-
22 000
-
total
-
-
-
-
Corporate
-
22 000
-
-
income
-
2 751
-
-
total
-
2 751
-
-
Dividends
-
19 249
-
-
withholding
-
3 850
-
-
total
-
3 850
-
-
Income
22 000
22 000
22 000
22 000
Total tax
21 353
6 601
1 753
1 753
After tax
647
15 399
20 247
20 247
Living cost
57 217
57 217
57 217
57 217
Free-cash
-56 570
-41 818
-36 970
-36 970

Estimated living cost  is ₽57217 per week

₽43530
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4662
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽547
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8478
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽25160
-₽31693
-₽49783
-₽18564
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
22 000
income
-
-
-
28 592
health

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

-
-
-
6 730
total
-
-
-
35 322
Employee
46 078
-
19 997
-
income
5 000
-
97
-
social contributions
4 617
-
2 003
-
total
9 617
-
2 100
-
Employer
46 078
-
19 997
-
social contributions
4 617
-
2 003
-
total
4 617
-
2 003
-
Corporate
-
22 000
-
-
income
-
7 701
-
-
total
-
7 701
-
-
Dividends
-
14 299
-
-
social contributions
2 998
2 998
-
-
total
2 998
2 998
-
-
Income
22 000
22 000
22 000
22 000
Total tax
17 232
10 699
4 103
35 322
After tax
4 768
11 301
17 897
-13 322
Living cost
36 461
36 461
36 461
36 461
Free-cash
-31 693
-25 160
-18 564
-49 783

Estimated living cost  is ₽36461 per week

₽24017
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2874
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽558
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9010
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Sliema model

Close
Edinburgh , United Kingdom
-₽20786
-₽35295
-₽19913
-₽20977
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
income
-
-
-
4 340
pensions
-
-
-
305
total
-
-
-
4 645
Employee
51 155
-
20 650
-
health
667
-
42
-
income
9 316
-
4 072
-
pensions
3 904
-
245
-
total
13 887
-
4 359
-
Employer
51 155
-
20 650
-
pensions
5 168
-
957
-
health
972
-
393
-
total
6 140
-
1 350
-
Corporate
-
22 000
-
-
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.

-
4 181
-
-
total
-
4 181
-
-
Dividends
-
17 819
-
-
withholding
-
1 337
-
-
total
-
1 337
-
-
Income
22 000
22 000
22 000
22 000
Total tax
20 027
5 518
5 709
4 645
After tax
1 973
16 482
16 291
17 355
Living cost
37 268
37 268
37 268
37 268
Free-cash
-35 295
-20 786
-20 977
-19 913

Estimated living cost  is ₽37268 per week

₽25565
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3427
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽466
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7807
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽22087
-₽23199
-₽11514
-₽12251
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
accident
-
-
-
253
income
-
-
-
2 667
pensions
-
-
-
4 169
other
-
-
-
371
health
-
-
-
2 185
total
-
-
-
9 645
Employee
37 547
-
18 276
-
health
4 299
-
2 092
-
income
5 151
-
2 507
-
pensions
4 228
-
2 058
-
total
13 678
-
6 657
-
Employer
37 547
-
18 276
-
accident
627
-
305
-
unemployment
920
-
448
-
pensions
6 105
-
2 972
-
total
7 652
-
3 725
-
Corporate
-
22 000
-
-
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.

-
19 800
-
-
total
-
19 800
-
-
Dividends
-
2 200
-
-
withholding
-
418
-
-
total
-
418
-
-
Income
22 000
22 000
22 000
22 000
Total tax
21 330
20 218
10 382
9 645
After tax
670
1 782
11 618
12 355
Living cost
23 869
23 869
23 869
23 869
Free-cash
-23 199
-22 087
-12 251
-11 514

Estimated living cost  is ₽23869 per week

₽17517
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1391
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽481
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4480
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Additional information

Poland permits registration as a sole-trader only for EU nationals or long-term EU resident permit holders. Other nationals should use a business incubator or set up a company and hire themselves as an employee.

Source of data for Warsaw model

Close
Skopje , Macedonia
₽5134
₽250
₽184
₽184
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
22 000
work injury
-
-
-
110
health insurance
-
-
-
1 628
income
-
-
-
2 200
pensions
-
-
-
4 048
unemployment
-
-
-
264
total
-
-
-
8 250
Employee

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

21 706
-
22 000
-
work injury
109
-
110
-
income
2 171
-
2 200
-
pensions
3 994
-
4 048
-
health insurance
1 606
-
1 628
-
unemployment
260
-
264
-
total
8 140
-
8 250
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
294
22 000
-
-
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
294
22 000
-
-
withholding
44
3 300
-
-
total
44
3 300
-
-
Income
22 000
22 000
22 000
22 000
Total tax
8 184
3 300
8 250
8 250
After tax
13 816
18 700
13 750
13 750
Living cost
13 566
13 566
13 566
13 566
Free-cash
250
5 134
184
184

Estimated living cost  is ₽13566 per week

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

Source of data for Skopje model

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Rome , Italy
-₽28425
-₽62640
-₽29442
-₽31242
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
municipal
-
-
-
128
regional
-
-
-
246
national
-
-
-
3 269
social contributions
-
-
-
7 785
total
-
-
-
11 428
Employee
84 640
-
22 000
-
social contributions
28 540
-
10 205
-
regional
1 278
-
204
-
municipal
505
-
107
-
national
14 303
-
2 712
-
total
44 626
-
13 228
-
Employer
84 640
-
22 000
-
total
-
-
-
-
Corporate
-
22 000
-
-
nationa
-
5 280
-
-
municipal
-
1 060
-
-
total
-
6 340
-
-
Dividends
-
15 660
-
-
withholding
-
4 071
-
-
total
-
4 071
-
-
Income
22 000
22 000
22 000
22 000
Total tax
44 626
10 411
13 228
11 428
After tax
-22 626
11 589
8 772
10 572
Living cost
40 014
40 014
40 014
40 014
Free-cash
-62 640
-28 425
-31 242
-29 442

Estimated living cost  is ₽40014 per week

₽28107
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2752
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽604
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8549
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Rome model

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