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
₽ 28000
per

Your estimated
City
free-cash

Dresden , Germany
-₽8022
-₽7881
-₽14178
-₽7881
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
28 000
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.

-
-
-
6 434
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.

-
-
-
872
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.

-
-
-
48
total
-
-
-
7 354
Employee

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

36 022
-
28 000
-
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.

6 434
-
6 434
-
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.

1 006
-
872
-
surtax

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

55
-
48
-
total
7 495
-
7 354
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
28 000
-
-
income
-
4 200
-
-
chamber of commerce
-
184
-
-
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.

-
231
-
-
trade
-
4 409
-
-
total
-
9 024
-
-
Dividends
-
18 976
-
-
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.

-
241
-
-
withholding
-
4 386
-
-
total
-
4 627
-
-
Income
28 000
28 000
28 000
28 000
Total tax
7 495
13 651
7 354
7 354
After tax
20 505
14 349
20 646
20 646
Living cost
28 527
28 527
28 527
28 527
Free-cash
-8 022
-14 178
-7 881
-7 881

Estimated living cost  is ₽28527 per week

₽17944
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3326
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽533
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6724
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽54827
-₽29679
-₽31514
-₽29899
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
social contributions
-
-
-
301
municipal
-
-
-
2 060
pensions
-
-
-
3 360
national
-
-
-
3 192
total
-
-
-
8 913
Employee
75 937
-
24 206
-
pensions
3 037
-
968
-
municipal
9 379
-
2 169
-
national
14 534
-
3 360
-
total
26 950
-
6 497
-
Employer
75 937
-
24 206
-
pensions
6 075
-
1 936
-
social contributions
816
-
260
-
total
6 891
-
2 196
-
Corporate
-
28 000
-
-
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%.

-
5 600
-
-
total
-
5 600
-
-
Dividends
-
22 400
-
-
withholding
-
4 928
-
-
total
-
4 928
-
-
Income
28 000
28 000
28 000
28 000
Total tax
33 841
10 528
8 693
8 913
After tax
-5 841
17 472
19 307
19 087
Living cost
48 986
48 986
48 986
48 986
Free-cash
-54 827
-31 514
-29 679
-29 899

Estimated living cost  is ₽48986 per week

₽33295
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4554
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽733
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10404
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽6150
-₽3528
₽2807
₽1241
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
28 000
social contributions

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

-
-
-
2 965
income
-
-
-
-
surtax
-
-
-
-
microenterprise
-
-
-
4 200
total
-
-
-
7 165
Employee
27 520
-
22 565
-
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.

3 028
-
2 483
-
income
4 899
-
4 016
-
surtax
-
-
-
-
total
7 927
-
6 499
-
Employer
27 520
-
22 565
-
surtax
-
-
-
-
social contributions

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

6 629
-
5 435
-
total
6 629
-
5 435
-
Corporate
-
28 000
-
-
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%.

-
5 599
-
-
total
-
5 599
-
-
Dividends

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

-
22 401
-
-
total
-
-
-
-
Income
28 000
28 000
28 000
28 000
Total tax
14 556
5 599
11 934
7 165
After tax
13 444
22 401
16 066
20 835
Living cost
19 594
19 594
19 594
19 594
Free-cash
-6 150
2 807
-3 528
1 241

Estimated living cost  is ₽19594 per week

₽12500
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1866
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽445
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4783
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽65525
-₽65525
-₽60238
-₽23312
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
health
-
-
-
4 298
income
-
-
-
2 520
pensions
-
-
-
5 040
total
-
-
-
11 858
Employee
80 427
80 427
80 427
-
pensions
14 477
11 035
14 477
-
health
12 345
10 500
12 345
-
income

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

13 165
13 165
13 165
-
total
39 987
34 700
39 987
-
Employer
80 427
80 427
80 427
-
pensions
5 598
5 598
5 598
-
health
5 591
5 591
5 591
-
unemployment
2 895
2 895
2 895
-
total
14 084
14 084
14 084
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
28 000
28 000
28 000
28 000
Total tax
54 071
48 784
54 071
11 858
After tax
-26 071
-20 784
-26 071
16 142
Living cost
39 454
39 454
39 454
39 454
Free-cash
-65 525
-60 238
-65 525
-23 312

Estimated living cost  is ₽39454 per week

₽27960
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3557
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽627
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7310
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽44597
-₽23815
-₽23480
-₽24811
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
accident
-
-
-
56
health
-
-
-
1 747
municipal
-
-
-
5 931
pensions
-
-
-
3 027
other
-
-
-
3 254
unemployment
-
-
-
28
national
-
-
-
-
total
-
-
-
14 043
Employee
55 241
-
21 306
-
municipal
16 473
-
6 353
-
national
-
-
-
-
total
16 473
-
6 353
-
Employer
55 241
-
21 306
-
pensions
5 971
-
2 303
-
other
6 419
-
2 476
-
health
3 397
-
1 310
-
unemployment
1 458
-
562
-
accident
111
-
43
-
total
17 356
-
6 694
-
Corporate
-
28 000
-
-
income
-
6 160
-
-
total
-
6 160
-
-
Dividends
-
21 840
-
-
withholding
-
6 552
-
-
total
-
6 552
-
-
Income
28 000
28 000
28 000
28 000
Total tax
33 829
12 712
13 047
14 043
After tax
-5 829
15 288
14 953
13 957
Living cost
38 768
38 768
38 768
38 768
Free-cash
-44 597
-23 480
-23 815
-24 811

Estimated living cost  is ₽38768 per week

₽25694
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3804
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.
₽8681
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽19761
-₽16352
-₽22793
-₽16352
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
28 000
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.

-
-
-
6 434
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.

-
-
-
872
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.

-
-
-
48
total
-
-
-
7 354
Employee

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

47 761
-
28 000
-
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.

6 434
-
6 434
-
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.

4 104
-
872
-
surtax

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

225
-
48
-
total
10 763
-
7 354
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
28 000
-
-
income
-
4 200
-
-
chamber of commerce
-
182
-
-
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.

-
231
-
-
trade
-
4 606
-
-
total
-
9 219
-
-
Dividends
-
18 781
-
-
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.

-
238
-
-
withholding
-
4 338
-
-
total
-
4 576
-
-
Income
28 000
28 000
28 000
28 000
Total tax
10 763
13 795
7 354
7 354
After tax
17 237
14 205
20 646
20 646
Living cost
36 998
36 998
36 998
36 998
Free-cash
-19 761
-22 793
-16 352
-16 352

Estimated living cost  is ₽36998 per week

₽24745
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3902
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽552
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7800
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽18696
-₽15783
-₽23845
-₽9046
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 803
social contributions
-
-
-
5 585
health
-
-
-
913
income
-
-
-
-
total
-
-
-
6 498
Employee
72 421
72 421
72 421
-
health
720
1 231
433
-
social contributions
3 519
6 011
2 109
-
income
7 605
6 704
8 114
-
total
11 844
13 946
10 656
-
Employer
72 421
72 421
72 421
-
health
785
1 340
470
-
social contributions
3 519
6 011
2 109
-
total
4 304
7 351
2 579
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
28 000
28 000
28 000
28 000
Total tax
16 148
21 297
13 235
6 498
After tax
11 852
6 703
14 765
21 502
Living cost
30 548
30 548
30 548
30 548
Free-cash
-18 696
-23 845
-15 783
-9 046

Estimated living cost  is ₽30548 per week

₽20882
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2386
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽513
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6767
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽2016
-₽1167
-₽1377
₽1997
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
health
-
-
-
1 960
income
-
-
-
3 423
pensions
-
-
-
2 800
unemployment
-
-
-
420
total
-
-
-
8 603
Employee

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

The minimum wage is 138,000 HUF per month.

25 118
9 997
23 431
-
unemployment
377
150
351
-
pensions
2 512
1 000
2 343
-
health
1 758
700
1 640
-
income
3 071
1 222
2 864
-
total
7 718
3 072
7 198
-
Employer

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

The minimum wage is 138,000 HUF per month.

25 118
9 997
23 431
-
pensions
4 898
1 949
4 569
-
total
4 898
1 949
4 569
-
Corporate
-
16 054
-
-
income
-
1 445
-
-
total
-
1 445
-
-
Dividends
-
14 609
-
-
social contributions
-
2 735
-
-
withholding
-
2 776
-
-
total
-
5 511
-
-
Income
28 000
28 000
28 000
28 000
Total tax
12 616
11 977
11 767
8 603
After tax
15 384
16 023
16 233
19 397
Living cost
17 400
17 400
17 400
17 400
Free-cash
-2 016
-1 377
-1 167
1 997

Estimated living cost  is ₽17400 per week

₽11874
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1424
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽348
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3755
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽7748
-₽4461
-₽347
-₽5597
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
health
-
-
-
3 641
income
-
-
-
1 607
pensions
-
-
-
5 601
total
-
-
-
10 849
Employee
26 718
-
20 926
-
unemployment
427
-
334
-
pensions
534
-
418
-
income
3 008
-
1 889
-
total
3 969
-
2 641
-
Employer
26 718
-
20 926
-
pensions
5 344
-
4 184
-
health
3 473
-
2 720
-
unemployment
214
-
168
-
total
9 031
-
7 072
-
Corporate
-
28 000
-
-
income
-
5 599
-
-
total
-
5 599
-
-
Dividends
-
22 401
-
-
total
-
-
-
-
Income
28 000
28 000
28 000
28 000
Total tax
13 000
5 599
9 713
10 849
After tax
15 000
22 401
18 287
17 151
Living cost
22 748
22 748
22 748
22 748
Free-cash
-7 748
-347
-4 461
-5 597

Estimated living cost  is ₽22748 per week

₽15603
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1355
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽458
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5333
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽11694
-₽6175
-₽18694
-₽3390
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
accident
-
-
-
241
health
-
-
-
2 078
income
-
-
-
3 792
pensions
-
-
-
3 964
other
-
-
-
353
total
-
-
-
10 428
Employee
32 974
-
23 260
-
pensions
3 713
-
2 619
-
health
3 775
-
2 663
-
income
4 524
-
3 191
-
total
12 012
-
8 473
-
Employer
32 974
-
23 260
-
pensions
5 362
-
3 782
-
unemployment
808
-
570
-
accident
550
-
388
-
total
6 720
-
4 740
-
Corporate
-
28 000
-
-
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.

-
25 200
-
-
total
-
25 200
-
-
Dividends
-
2 800
-
-
withholding
-
532
-
-
total
-
532
-
-
Income
28 000
28 000
28 000
28 000
Total tax
18 732
25 732
13 213
10 428
After tax
9 268
2 268
14 787
17 572
Living cost
20 962
20 962
20 962
20 962
Free-cash
-11 694
-18 694
-6 175
-3 390

Estimated living cost  is ₽20962 per week

₽15363
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1161
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽438
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4000
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽17360
₽14618
₽18818
₽19938
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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%.

-
-
-
28 000
microenterprise

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

-
-
-
280
total
-
-
-
280
Employee
9 727
-
28 000
-
income
1 945
-
5 600
-
total
1 945
-
5 600
-
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%.

18 273
28 000
-
-
total
-
-
-
-
Dividends
18 273
28 000
-
-
withholding
913
1 400
-
-
total
913
1 400
-
-
Income
28 000
28 000
28 000
28 000
Total tax
2 858
1 400
5 600
280
After tax
25 142
26 600
22 400
27 720
Living cost
7 782
7 782
7 782
7 782
Free-cash
17 360
18 818
14 618
19 938

Estimated living cost  is ₽7782 per week

₽4823
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽647
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽214
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2099
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽14812
-₽8681
-₽4523
-₽9933
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
health
-
-
-
1 231
income
-
-
-
3 557
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.

-
-
-
6 720
other
-
-
-
1 330
total
-
-
-
12 838
Employee
34 196
-
22 367
-
unemployment
341
-
223
-
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.

2 393
-
1 566
-
health
479
-
313
-
income
5 887
-
3 850
-
total
9 100
-
5 952
-
Employer
34 196
-
22 367
-
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.

5 814
-
3 802
-
other
1 710
-
1 117
-
health
479
-
313
-
unemployment
341
-
223
-
accident
273
-
179
-
total
8 617
-
5 634
-
Corporate
-
28 000
-
-
income
-
5 880
-
-
total
-
5 880
-
-
Dividends
-
22 120
-
-
withholding
-
1 548
-
-
total
-
1 548
-
-
Income
28 000
28 000
28 000
28 000
Total tax
17 717
7 428
11 586
12 838
After tax
10 283
20 572
16 414
15 162
Living cost
25 095
25 095
25 095
25 095
Free-cash
-14 812
-4 523
-8 681
-9 933

Estimated living cost  is ₽25095 per week

₽17731
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1694
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽404
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5265
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽71565
-₽42281
-₽40910
-₽40268
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
income
-
-
-
5 405
pensions
-
-
-
974
total
-
-
-
6 379
Employee
87 564
-
25 707
-
pensions
8 447
-
1 025
-
health
1 443
-
175
-
income
15 784
-
4 901
-
total
25 674
-
6 101
-
Employer
87 564
-
25 707
-
pensions
10 339
-
1 802
-
health
1 663
-
489
-
total
12 002
-
2 291
-
Corporate
-
28 000
-
-
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.

-
5 319
-
-
total
-
5 319
-
-
Dividends
-
22 681
-
-
withholding
-
1 702
-
-
total
-
1 702
-
-
Income
28 000
28 000
28 000
28 000
Total tax
37 676
7 021
8 392
6 379
After tax
-9 676
20 979
19 608
21 621
Living cost
61 889
61 889
61 889
61 889
Free-cash
-71 565
-40 910
-42 281
-40 268

Estimated living cost  is ₽61889 per week

₽46375
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽7272
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.
₽7740
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
₽7209
₽5321
₽11585
₽3969
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
health
-
-
-
3 220
income
-
-
-
4 200
pensions

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

-
-
-
4 144
unemployment
-
-
-
112
total
-
-
-
11 676
Employee
16 359
-
23 407
-
accident

We are using the highest rate at 1.1%.

180
-
258
-
pensions

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

1 436
-
2 055
-
health
752
-
1 076
-
income
1 636
-
2 341
-
total
4 004
-
5 730
-
Employer
16 359
-
23 407
-
pensions

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

1 803
-
2 579
-
health
1 129
-
1 616
-
unemployment
98
-
141
-
accident

We are using the highest rate at 1.1%.

180
-
258
-
total
3 210
-
4 594
-
Corporate
8 431
28 000
-
-
income
843
2 800
-
-
total
843
2 800
-
-
Dividends
7 588
25 200
-
-
withholding
379
1 260
-
-
total
379
1 260
-
-
Income
28 000
28 000
28 000
28 000
Total tax
8 436
4 060
10 324
11 676
After tax
19 564
23 940
17 676
16 324
Living cost
12 355
12 355
12 355
12 355
Free-cash
7 209
11 585
5 321
3 969

Estimated living cost  is ₽12355 per week

₽7213
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽882
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽327
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3932
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽74607
-₽78296
-₽73009
-₽36083
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
health
-
-
-
4 298
income
-
-
-
2 520
pensions
-
-
-
5 040
total
-
-
-
11 858
Employee
87 318
80 427
80 427
-
pensions
11 035
11 035
14 477
-
health
10 893
10 500
12 345
-
income

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

13 165
13 165
13 165
-
total
35 093
34 700
39 987
-
Employer
87 318
80 427
80 427
-
pensions
6 077
5 598
5 598
-
health
6 068
5 591
5 591
-
unemployment
3 144
2 895
2 895
-
total
15 289
14 084
14 084
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
28 000
28 000
28 000
28 000
Total tax
50 382
48 784
54 071
11 858
After tax
-22 382
-20 784
-26 071
16 142
Living cost
52 225
52 225
52 225
52 225
Free-cash
-74 607
-73 009
-78 296
-36 083

Estimated living cost  is ₽52225 per week

₽38524
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4665
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.
₽8438
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽18095
-₽9182
-₽4113
-₽9754
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
social contributions
-
-
-
8 176
health
-
-
-
3 780
income
-
-
-
2 407
solidarity contribution
-
-
-
-
total
-
-
-
14 363
Employee
34 399
-
20 895
-
solidarity contribution
-
-
-
-
health
4 644
-
2 821
-
social contributions
2 236
-
1 358
-
income
4 128
-
2 507
-
total
11 008
-
6 686
-
Employer
34 399
-
20 895
-
health
3 096
-
1 881
-
social contributions
8 600
-
5 224
-
total
11 696
-
7 105
-
Corporate
-
28 000
-
-
income
-
5 320
-
-
total
-
5 320
-
-
Dividends
-
22 680
-
-
withholding
-
3 402
-
-
total
-
3 402
-
-
Income
28 000
28 000
28 000
28 000
Total tax
22 704
8 722
13 791
14 363
After tax
5 296
19 278
14 209
13 637
Living cost
23 391
23 391
23 391
23 391
Free-cash
-18 095
-4 113
-9 182
-9 754

Estimated living cost  is ₽23391 per week

₽16248
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1664
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.
₽5019
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽55702
-₽25923
-₽24802
-₽24221
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
social contributions
-
-
-
7 299
municipal
-
-
-
166
regional
-
-
-
254
national
-
-
-
4 761
total
-
-
-
12 480
Employee
83 702
-
28 000
-
regional
790
-
227
-
municipal
443
-
147
-
national
14 504
-
4 239
-
social contributions
28 224
-
9 569
-
total
43 961
-
14 182
-
Employer
83 702
-
28 000
-
total
-
-
-
-
Corporate
-
28 000
-
-
municipal
-
1 092
-
-
nationa
-
6 720
-
-
total
-
7 812
-
-
Dividends
-
20 188
-
-
withholding
-
5 249
-
-
total
-
5 249
-
-
Income
28 000
28 000
28 000
28 000
Total tax
43 961
13 061
14 182
12 480
After tax
-15 961
14 939
13 818
15 520
Living cost
39 741
39 741
39 741
39 741
Free-cash
-55 702
-24 802
-25 923
-24 221

Estimated living cost  is ₽39741 per week

₽27703
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2606
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽609
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8822
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽9702
-₽5272
-₽3171
-₽4622
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
health
-
-
-
1 987
income
-
-
-
4 039
surtax
-
-
-
-
pensions
-
-
-
5 599
other
-
-
-
-
unemployment
-
-
-
214
total
-
-
-
11 839
Employee
31 145
-
23 131
-
unemployment
2 168
-
1 610
-
pensions
2 077
-
1 542
-
health
795
-
590
-
income
5 221
-
3 878
-
other
-
-
-
-
surtax
102
-
-
-
total
10 363
-
7 620
-
Employer
31 145
-
23 131
-
pensions
4 152
-
3 083
-
other
-
-
-
-
health
1 417
-
1 053
-
unemployment
987
-
733
-
total
6 556
-
4 869
-
Corporate
-
28 000
-
-
income
-
7 280
-
-
total
-
7 280
-
-
Dividends
-
20 720
-
-
withholding
-
3 108
-
-
total
-
3 108
-
-
Income
28 000
28 000
28 000
28 000
Total tax
16 919
10 388
12 489
11 839
After tax
11 081
17 612
15 511
16 161
Living cost
20 783
20 783
20 783
20 783
Free-cash
-9 702
-3 171
-5 272
-4 622

Estimated living cost  is ₽20783 per week

₽12707
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1918
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.
₽5678
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽38150
-₽22673
-₽21302
-₽20660
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
income
-
-
-
5 405
pensions
-
-
-
974
total
-
-
-
6 379
Employee
58 683
-
25 707
-
pensions
4 981
-
1 025
-
health
852
-
175
-
income
10 569
-
4 901
-
total
16 402
-
6 101
-
Employer
58 683
-
25 707
-
pensions
6 352
-
1 802
-
health
1 115
-
489
-
total
7 467
-
2 291
-
Corporate
-
28 000
-
-
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.

-
5 319
-
-
total
-
5 319
-
-
Dividends
-
22 681
-
-
withholding
-
1 702
-
-
total
-
1 702
-
-
Income
28 000
28 000
28 000
28 000
Total tax
23 869
7 021
8 392
6 379
After tax
4 131
20 979
19 608
21 621
Living cost
42 281
42 281
42 281
42 281
Free-cash
-38 150
-21 302
-22 673
-20 660

Estimated living cost  is ₽42281 per week

₽31677
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3169
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽442
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6992
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽67850
-₽53500
-₽61977
-₽50719
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
health
-
-
-
244
pensions
-
-
-
2 576
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.

-
-
-
561
regional
-
-
-
263
city
-
-
-
294
national
-
-
-
-
total
-
-
-
3 938
Employee
87 513
-
24 339
-
unemployment
-
-
-
-
pensions
7 352
-
2 852
-
regional
2 866
-
165
-
national
414
-
-
-
health
198
-
56
-
city
939
-
252
-
total
11 769
-
3 325
-
Employer
87 513
-
24 339
-
pensions
7 352
-
2 852
-
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.

1 750
-
486
-
health
198
-
56
-
unemployment
-
-
-
-
total
9 300
-
3 394
-
Corporate
-
28 000
-
-
regional
-
5 921
-
-
national
-
2 380
-
-
total
-
8 301
-
-
Dividends
-
19 699
-
-
withholding
-
6 895
-
-
total
-
6 895
-
-
Income
28 000
28 000
28 000
28 000
Total tax
21 069
15 196
6 719
3 938
After tax
6 931
12 804
21 281
24 062
Living cost
74 781
74 781
74 781
74 781
Free-cash
-67 850
-61 977
-53 500
-50 719

Estimated living cost  is ₽74781 per week

₽48629
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6711
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽918
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽18523
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽28601
-₽22499
-₽29084
-₽22499
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
28 000
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.

-
-
-
6 434
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.

-
-
-
872
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.

-
-
-
48
total
-
-
-
7 354
Employee

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

56 601
-
28 000
-
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.

6 434
-
6 434
-
income

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

6 656
-
872
-
surtax

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

366
-
48
-
total
13 456
-
7 354
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
28 000
-
-
income
-
4 200
-
-
chamber of commerce
-
182
-
-
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.

-
231
-
-
trade
-
4 802
-
-
total
-
9 415
-
-
Dividends
-
18 585
-
-
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.

-
236
-
-
withholding
-
4 288
-
-
total
-
4 524
-
-
Income
28 000
28 000
28 000
28 000
Total tax
13 456
13 939
7 354
7 354
After tax
14 544
14 061
20 646
20 646
Living cost
43 145
43 145
43 145
43 145
Free-cash
-28 601
-29 084
-22 499
-22 499

Estimated living cost  is ₽43145 per week

₽31511
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3451
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽561
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7623
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽24896
-₽13993
-₽18111
-₽14914
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
social contributions
-
-
-
797
health
-
-
-
252
income
-
-
-
-
surtax
-
-
-
-
pensions
-
-
-
8 774
other
-
-
-
869
total
-
-
-
10 692
Employee
40 308
-
21 335
-
pensions
4 558
-
2 415
-
social contributions
1 149
-
608
-
income
2 379
-
86
-
surtax
-
-
-
-
total
8 086
-
3 109
-
Employer
40 308
-
21 335
-
pensions
6 622
-
3 505
-
other
1 390
-
736
-
health
2 822
-
1 494
-
unemployment
1 632
-
863
-
social contributions
122
-
64
-
total
12 588
-
6 662
-
Corporate
-
28 000
-
-
income
-
7 841
-
-
surtax
-
-
-
-
total
-
7 841
-
-
Dividends
-
20 159
-
-
surtax
-
-
-
-
social contributions
-
3 467
-
-
withholding
-
2 581
-
-
total
-
6 048
-
-
Income
28 000
28 000
28 000
28 000
Total tax
20 674
13 889
9 771
10 692
After tax
7 326
14 111
18 229
17 308
Living cost
32 222
32 222
32 222
32 222
Free-cash
-24 896
-18 111
-13 993
-14 914

Estimated living cost  is ₽32222 per week

₽20318
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2620
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽549
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8738
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽19217
-₽10801
-₽14919
-₽11722
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
social contributions
-
-
-
797
health
-
-
-
252
income
-
-
-
-
surtax
-
-
-
-
pensions
-
-
-
8 774
other
-
-
-
869
total
-
-
-
10 692
Employee
35 981
-
21 335
-
pensions
4 070
-
2 415
-
social contributions
1 026
-
608
-
income
1 855
-
86
-
surtax
-
-
-
-
total
6 951
-
3 109
-
Employer
35 981
-
21 335
-
pensions
5 912
-
3 505
-
other
1 242
-
736
-
health
2 518
-
1 494
-
unemployment
1 457
-
863
-
social contributions
107
-
64
-
total
11 236
-
6 662
-
Corporate
-
28 000
-
-
income
-
7 841
-
-
surtax
-
-
-
-
total
-
7 841
-
-
Dividends
-
20 159
-
-
surtax
-
-
-
-
social contributions
-
3 467
-
-
withholding
-
2 581
-
-
total
-
6 048
-
-
Income
28 000
28 000
28 000
28 000
Total tax
18 187
13 889
9 771
10 692
After tax
9 813
14 111
18 229
17 308
Living cost
29 030
29 030
29 030
29 030
Free-cash
-19 217
-14 919
-10 801
-11 722

Estimated living cost  is ₽29030 per week

₽16836
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2949
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽550
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8695
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽6406
-₽2212
-₽2889
-₽1990
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
social contributions
-
-
-
3 864
health
-
-
-
1 955
income
-
-
-
4 200
total
-
-
-
10 019
Employee
31 933
-
28 000
-
health
2 229
-
1 955
-
social contributions
4 407
-
3 864
-
income
5 326
-
4 422
-
total
11 962
-
10 241
-
Employer
31 933
-
28 000
-
total
-
-
-
-
Corporate
-
28 000
-
-
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%.

-
1 399
-
-
total
-
1 399
-
-
Dividends
-
26 601
-
-
health
831
1 857
-
-
social contributions
1 642
3 671
-
-
withholding
-
3 991
-
-
total
2 473
9 519
-
-
Income
28 000
28 000
28 000
28 000
Total tax
14 435
10 918
10 241
10 019
After tax
13 565
17 082
17 759
17 981
Living cost
19 971
19 971
19 971
19 971
Free-cash
-6 406
-2 889
-2 212
-1 990

Estimated living cost  is ₽19971 per week

₽13365
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1231
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽459
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4913
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽33691
-₽24242
-₽26633
-₽18581
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
health
-
-
-
2 141
surtax
-
-
-
186
income
-
-
-
-
chamber of commerce
-
-
-
113
pensions
-
-
-
5 179
unemployment
-
-
-
5 776
total
-
-
-
13 395
Employee
47 067
37 533
37 533
-
unemployment
1 412
1 126
618
-
pensions
4 820
3 843
2 113
-
health
1 821
1 453
799
-
income
5 358
2 768
3 696
-
other
470
375
206
-
total
13 881
9 565
7 432
-
Employer
47 067
37 533
37 533
-
chamber of commerce
188
150
150
-
pensions
5 907
4 711
2 590
-
other
2 236
1 782
1 639
-
health
1 778
1 419
779
-
unemployment
1 412
1 126
618
-
accident
611
488
268
-
surtax
186
186
186
-
payroll
1 412
1 126
1 126
-
total
13 730
10 988
7 356
-
Corporate
3 575
3 575
17 069
-
income

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

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

894
894
4 268
-
total
894
894
4 268
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
28 000
28 000
28 000
28 000
Total tax
28 505
21 447
19 056
13 395
After tax
-505
6 553
8 944
14 605
Living cost
33 186
33 186
33 186
33 186
Free-cash
-33 691
-26 633
-24 242
-18 581

Estimated living cost  is ₽33186 per week

₽22133
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2831
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽545
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7676
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽58980
-₽21330
-₽18395
-₽16096
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
social contributions
-
-
-
794
communal

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

-
-
-
1 632
national
-
-
-
7 330
total
-
-
-
9 756
Employee

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

67 368
-
21 689
-
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.

586
-
189
-
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.

5 053
-
1 626
-
national
20 712
-
4 713
-
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.

3 165
-
1 021
-
communal

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

3 514
-
1 131
-
total
33 030
-
8 680
-
Employer

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

67 368
-
21 689
-
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.

5 969
-
1 921
-
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.

4 143
-
1 333
-
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.

983
-
316
-
accident

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

876
-
281
-
surtax
7 639
-
2 459
-
total
19 610
-
6 310
-
Corporate
-
28 000
-
-
income
-
5 599
-
-
surtax
-
113
-
-
total
-
5 712
-
-
Dividends
-
22 288
-
-
withholding

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

-
6 343
-
-
total
-
6 343
-
-
Income
28 000
28 000
28 000
28 000
Total tax
52 640
12 055
14 990
9 756
After tax
-24 640
15 945
13 010
18 244
Living cost
34 340
34 340
34 340
34 340
Free-cash
-58 980
-18 395
-21 330
-16 096

Estimated living cost  is ₽34340 per week

₽22119
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3003
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽538
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8681
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽33826
-₽21073
-₽14996
-₽18139
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
accident
-
-
-
252
income
-
-
-
3 723
pensions
-
-
-
7 925
other
-
-
-
29
unemployment
-
-
-
197
total
-
-
-
12 126
Employee
46 881
-
17 973
-
unemployment
727
-
488
-
pensions
2 204
-
1 478
-
income
9 892
-
3 035
-
other
46
-
32
-
total
12 869
-
5 033
-
Employer
46 881
-
17 973
-
pensions
11 063
-
7 423
-
other
374
-
252
-
unemployment
2 579
-
1 730
-
accident
928
-
622
-
total
14 944
-
10 027
-
Corporate
-
28 000
-
-
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.

-
4 200
-
-
total
-
4 200
-
-
Dividends
-
23 800
-
-
withholding
-
4 783
-
-
total
-
4 783
-
-
Income
28 000
28 000
28 000
28 000
Total tax
27 813
8 983
15 060
12 126
After tax
187
19 017
12 940
15 874
Living cost
34 013
34 013
34 013
34 013
Free-cash
-33 826
-14 996
-21 073
-18 139

Estimated living cost  is ₽34013 per week

₽25047
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2413
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.
₽6062
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽51844
-₽35312
-₽32023
-₽35310
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
accident
-
-
-
404
health
-
-
-
3 360
income
-
-
-
-
surtax
-
-
-
1 194
pensions
-
-
-
7 170
communal
-
-
-
-
total
-
-
-
12 128
Employee
71 323
-
22 644
-
pensions
5 705
-
3 585
-
health
3 174
-
1 995
-
income
6 889
-
-
-
surtax
4 372
-
1 194
-
total
20 140
-
6 774
-
Employer
71 323
-
22 644
-
pensions
5 705
-
3 585
-
health
2 175
-
1 367
-
accident
642
-
404
-
total
8 522
-
5 356
-
Corporate
-
28 000
-
-
income
-
4 200
-
-
communal
-
-
-
-
surtax
-
293
-
-
total
-
4 493
-
-
Dividends
-
23 507
-
-
income
-
822
-
-
withholding
-
3 526
-
-
total
-
4 348
-
-
Income
28 000
28 000
28 000
28 000
Total tax
28 662
8 841
12 130
12 128
After tax
-662
19 159
15 870
15 872
Living cost
51 182
51 182
51 182
51 182
Free-cash
-51 844
-32 023
-35 312
-35 310

Estimated living cost  is ₽51182 per week

₽38394
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3101
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽542
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9144
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽10394
-₽5643
-₽3542
-₽4993
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
health
-
-
-
1 987
income
-
-
-
4 039
surtax
-
-
-
-
pensions
-
-
-
5 599
other
-
-
-
-
unemployment
-
-
-
214
total
-
-
-
11 839
Employee
31 717
-
23 131
-
unemployment
2 207
-
1 610
-
pensions
2 116
-
1 542
-
health
810
-
590
-
income
5 317
-
3 878
-
other
-
-
-
-
surtax
113
-
-
-
total
10 563
-
7 620
-
Employer
31 717
-
23 131
-
pensions
4 229
-
3 083
-
other
-
-
-
-
health
1 442
-
1 053
-
unemployment
1 006
-
733
-
total
6 677
-
4 869
-
Corporate
-
28 000
-
-
income
-
7 280
-
-
total
-
7 280
-
-
Dividends
-
20 720
-
-
withholding
-
3 108
-
-
total
-
3 108
-
-
Income
28 000
28 000
28 000
28 000
Total tax
17 240
10 388
12 489
11 839
After tax
10 760
17 612
15 511
16 161
Living cost
21 154
21 154
21 154
21 154
Free-cash
-10 394
-3 542
-5 643
-4 993

Estimated living cost  is ₽21154 per week

₽12772
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1839
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽491
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6053
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽24244
-₽11699
-₽10653
-₽10016
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
social contributions
-
-
-
7 299
municipal
-
-
-
166
regional
-
-
-
420
national
-
-
-
4 761
total
-
-
-
12 646
Employee
52 244
-
28 000
-
regional
703
-
374
-
municipal
277
-
147
-
national
8 277
-
4 239
-
social contributions
17 617
-
9 569
-
total
26 874
-
14 329
-
Employer
52 244
-
28 000
-
total
-
-
-
-
Corporate
-
28 000
-
-
municipal
-
1 392
-
-
nationa
-
6 720
-
-
total
-
8 112
-
-
Dividends
-
19 888
-
-
withholding
-
5 171
-
-
total
-
5 171
-
-
Income
28 000
28 000
28 000
28 000
Total tax
26 874
13 283
14 329
12 646
After tax
1 126
14 717
13 671
15 354
Living cost
25 370
25 370
25 370
25 370
Free-cash
-24 244
-10 653
-11 699
-10 016

Estimated living cost  is ₽25370 per week

₽15778
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2570
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽434
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6588
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽28800
-₽14615
-₽9546
-₽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
-
-
-
28 000
social contributions
-
-
-
8 176
health
-
-
-
3 780
income
-
-
-
2 407
solidarity contribution
-
-
-
-
total
-
-
-
14 363
Employee
42 388
-
20 895
-
solidarity contribution
-
-
-
-
health
5 722
-
2 821
-
social contributions
2 755
-
1 358
-
income
5 087
-
2 507
-
total
13 564
-
6 686
-
Employer
42 388
-
20 895
-
health
3 815
-
1 881
-
social contributions
10 597
-
5 224
-
total
14 412
-
7 105
-
Corporate
-
28 000
-
-
income
-
5 320
-
-
total
-
5 320
-
-
Dividends
-
22 680
-
-
withholding
-
3 402
-
-
total
-
3 402
-
-
Income
28 000
28 000
28 000
28 000
Total tax
27 976
8 722
13 791
14 363
After tax
24
19 278
14 209
13 637
Living cost
28 824
28 824
28 824
28 824
Free-cash
-28 800
-9 546
-14 615
-15 187

Estimated living cost  is ₽28824 per week

₽21435
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1597
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽499
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5293
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽25909
-₽21010
-₽23308
-₽15256
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
health
-
-
-
2 141
surtax
-
-
-
-
income
-
-
-
-
chamber of commerce
-
-
-
113
pensions
-
-
-
5 179
unemployment
-
-
-
5 776
total
-
-
-
13 209
Employee
41 169
37 533
37 533
-
unemployment
1 235
1 126
624
-
pensions
4 216
3 843
2 129
-
health
1 592
1 453
804
-
income
3 667
2 768
3 687
-
other
411
375
207
-
total
11 121
9 565
7 451
-
Employer
41 169
37 533
37 533
-
chamber of commerce
164
150
150
-
pensions
5 167
4 711
2 609
-
other
1 955
1 782
1 641
-
health
1 557
1 419
786
-
unemployment
1 235
1 126
624
-
accident
534
488
270
-
surtax
-
-
-
-
payroll
1 235
1 126
1 126
-
total
11 847
10 802
7 206
-
Corporate
3 575
3 575
17 219
-
income

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

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

894
894
4 306
-
total
894
894
4 306
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
28 000
28 000
28 000
28 000
Total tax
23 862
21 261
18 963
13 209
After tax
4 138
6 739
9 037
14 791
Living cost
30 047
30 047
30 047
30 047
Free-cash
-25 909
-23 308
-21 010
-15 256

Estimated living cost  is ₽30047 per week

₽18025
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3069
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽536
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8418
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽12199
₽10273
₽14473
₽15593
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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%.

-
-
-
28 000
microenterprise

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

-
-
-
280
total
-
-
-
280
Employee
15 159
-
28 000
-
income
3 032
-
5 600
-
total
3 032
-
5 600
-
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%.

12 841
28 000
-
-
total
-
-
-
-
Dividends
12 841
28 000
-
-
withholding
642
1 400
-
-
total
642
1 400
-
-
Income
28 000
28 000
28 000
28 000
Total tax
3 674
1 400
5 600
280
After tax
24 326
26 600
22 400
27 720
Living cost
12 127
12 127
12 127
12 127
Free-cash
12 199
14 473
10 273
15 593

Estimated living cost  is ₽12127 per week

₽8206
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽509
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽407
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3004
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽20132
-₽9907
-₽5983
-₽9016
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
28 000
health
-
-
-
2 754
income
-
-
-
3 847
pensions
-
-
-
5 113
unemployment
-
-
-
41
total
-
-
-
11 755
Employee

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

41 647
-
24 227
-
unemployment
59
-
34
-
pensions
6 456
-
3 755
-
health
2 690
-
1 566
-
income
7 182
-
3 518
-
total
16 387
-
8 873
-
Employer

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

41 647
-
24 227
-
pensions
3 685
-
2 145
-
health
2 774
-
1 614
-
unemployment
25
-
14
-
total
6 484
-
3 773
-
Corporate
-
28 000
-
-
income
-
5 321
-
-
total
-
5 321
-
-
Dividends
-
22 679
-
-
withholding
-
3 401
-
-
total
-
3 401
-
-
Income
28 000
28 000
28 000
28 000
Total tax
22 871
8 722
12 646
11 755
After tax
5 129
19 278
15 354
16 245
Living cost
25 261
25 261
25 261
25 261
Free-cash
-20 132
-5 983
-9 907
-9 016

Estimated living cost  is ₽25261 per week

₽17336
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1619
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.
₽5818
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽113730
-₽26509
-₽23980
-₽21665
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
social contributions
-
-
-
3 192
income
-
-
-
5 458
total
-
-
-
8 650
Employee
58 809
-
5 183
-
social contributions
4 822
-
687
-
income
12 972
-
989
-
total
17 794
-
1 676
-
Employer
58 809
-
5 183
-
social contributions
82 921
-
11 818
-
total
82 921
-
11 818
-
Corporate
-
28 000
-
-
income
-
6 160
-
-
total
-
6 160
-
-
Dividends
-
21 840
-
-
income
-
4 805
-
-
total
-
4 805
-
-
Income
28 000
28 000
28 000
28 000
Total tax
100 715
10 965
13 494
8 650
After tax
-72 715
17 035
14 506
19 350
Living cost
41 015
41 015
41 015
41 015
Free-cash
-113 730
-23 980
-26 509
-21 665

Estimated living cost  is ₽41015 per week

₽26612
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3857
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽523
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10023
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽25604
-₽13015
-₽13615
-₽12906
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
28 000
social contributions

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

-
-
-
9 730
income
-
-
-
1 634
surtax
-
-
-
-
total
-
-
-
11 364
Employee
43 316
-
22 626
-
social contributions
4 765
-
2 490
-
income
9 010
-
3 609
-
surtax
-
-
-
-
total
13 775
-
6 099
-
Employer
43 316
-
22 626
-
social contributions
10 287
-
5 374
-
total
10 287
-
5 374
-
Corporate
-
28 000
-
-
income
-
5 880
-
-
surtax
-
-
-
-
total
-
5 880
-
-
Dividends
-
22 120
-
-
withholding
-
6 193
-
-
total
-
6 193
-
-
Income
28 000
28 000
28 000
28 000
Total tax
24 062
12 073
11 473
11 364
After tax
3 938
15 927
16 527
16 636
Living cost
29 542
29 542
29 542
29 542
Free-cash
-25 604
-13 615
-13 015
-12 906

Estimated living cost  is ₽29542 per week

₽22103
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1743
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽493
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5203
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽49411
-₽27259
-₽31377
-₽28180
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
social contributions
-
-
-
797
health
-
-
-
252
income
-
-
-
-
surtax
-
-
-
-
pensions
-
-
-
8 774
other
-
-
-
869
total
-
-
-
10 692
Employee
58 987
-
21 335
-
pensions
6 672
-
2 415
-
social contributions
1 680
-
608
-
income
5 147
-
86
-
surtax
-
-
-
-
total
13 499
-
3 109
-
Employer
58 987
-
21 335
-
pensions
9 692
-
3 505
-
other
2 036
-
736
-
health
4 129
-
1 494
-
unemployment
2 390
-
863
-
social contributions
177
-
64
-
total
18 424
-
6 662
-
Corporate
-
28 000
-
-
income
-
7 841
-
-
surtax
-
-
-
-
total
-
7 841
-
-
Dividends
-
20 159
-
-
surtax
-
-
-
-
social contributions
-
3 467
-
-
withholding
-
2 581
-
-
total
-
6 048
-
-
Income
28 000
28 000
28 000
28 000
Total tax
31 923
13 889
9 771
10 692
After tax
-3 923
14 111
18 229
17 308
Living cost
45 488
45 488
45 488
45 488
Free-cash
-49 411
-31 377
-27 259
-28 180

Estimated living cost  is ₽45488 per week

₽30786
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3721
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽624
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10357
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽6971
-₽5643
-₽3111
-₽6471
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
social contributions
-
-
-
6 161
income
-
-
-
-
total
-
-
-
6 161
Employee
30 278
-
24 241
-
social contributions
1 968
-
1 576
-
income
-
-
-
-
total
1 968
-
1 576
-
Employer
30 278
-
24 241
-
social contributions
4 693
-
3 757
-
total
4 693
-
3 757
-
Corporate
-
28 000
-
-
income
-
2 801
-
-
total
-
2 801
-
-
Dividends
-
25 199
-
-
total
-
-
-
-
Income
28 000
28 000
28 000
28 000
Total tax
6 661
2 801
5 333
6 161
After tax
21 339
25 199
22 667
21 839
Living cost
28 310
28 310
28 310
28 310
Free-cash
-6 971
-3 111
-5 643
-6 471

Estimated living cost  is ₽28310 per week

₽18305
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2134
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽533
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7339
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽177042
-₽177042
-₽177042
-₽25472
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
municipal
-
-
-
3 196
pensions
-
-
-
816
labour market
-
-
-
2 175
national
-
-
-
1 962
total
-
-
-
8 149
Employee
191 297
191 297
191 297
-
pensions
272
272
272
-
municipal
40 736
40 736
40 736
-
national
23 370
23 370
23 370
-
labour market
15 282
15 282
15 282
-
total
79 660
79 660
79 660
-
Employer
191 297
191 297
191 297
-
municipal
40 800
40 800
40 800
-
pensions
544
544
544
-
national
23 411
23 411
23 411
-
labour market
15 304
15 304
15 304
-
total
80 059
80 059
80 059
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
28 000
28 000
28 000
28 000
Total tax
159 719
159 719
159 719
8 149
After tax
-131 719
-131 719
-131 719
19 851
Living cost
45 323
45 323
45 323
45 323
Free-cash
-177 042
-177 042
-177 042
-25 472

Estimated living cost  is ₽45323 per week

₽31019
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4009
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽697
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9597
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽11107
-₽5865
-₽18384
-₽3080
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
accident
-
-
-
241
health
-
-
-
2 078
income
-
-
-
3 792
pensions
-
-
-
3 964
other
-
-
-
353
total
-
-
-
10 428
Employee
32 488
-
23 260
-
pensions
3 658
-
2 619
-
health
3 720
-
2 663
-
income
4 457
-
3 191
-
total
11 835
-
8 473
-
Employer
32 488
-
23 260
-
pensions
5 282
-
3 782
-
unemployment
796
-
570
-
accident
542
-
388
-
total
6 620
-
4 740
-
Corporate
-
28 000
-
-
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.

-
25 200
-
-
total
-
25 200
-
-
Dividends
-
2 800
-
-
withholding
-
532
-
-
total
-
532
-
-
Income
28 000
28 000
28 000
28 000
Total tax
18 455
25 732
13 213
10 428
After tax
9 545
2 268
14 787
17 572
Living cost
20 652
20 652
20 652
20 652
Free-cash
-11 107
-18 384
-5 865
-3 080

Estimated living cost  is ₽20652 per week

₽15033
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1177
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽388
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4055
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽30902
-₽18438
-₽16782
-₽13230
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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

-
-
-
28 000
health
-
-
-
38
municipal
-
-
-
5 033
national
-
-
-
-
total
-
-
-
5 071
Employee
49 551
-
23 555
-
unemployment
744
-
354
-
pensions
3 344
-
1 591
-
municipal
8 116
-
3 889
-
national
819
-
-
-
health
370
-
-
-
total
13 393
-
5 834
-
Employer
49 551
-
23 555
-
pensions
8 597
-
4 087
-
health
381
-
181
-
unemployment
322
-
154
-
accident
50
-
23
-
total
9 350
-
4 445
-
Corporate
-
28 000
-
-
income
-
5 599
-
-
total
-
5 599
-
-
Dividends

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

-
16 800
-
-
national
-
-
-
-
municipal
-
3 024
-
-
total
-
3 024
-
-
Income
28 000
28 000
28 000
28 000
Total tax
22 743
8 623
10 279
5 071
After tax
5 257
19 377
17 721
22 929
Living cost
36 159
36 159
36 159
36 159
Free-cash
-30 902
-16 782
-18 438
-13 230

Estimated living cost  is ₽36159 per week

₽23619
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3478
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽575
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8488
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽8337
-₽7041
-₽15103
-₽304
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 803
social contributions
-
-
-
5 585
health
-
-
-
913
income
-
-
-
-
total
-
-
-
6 498
Employee
72 421
72 421
72 421
-
health
561
1 231
433
-
social contributions
2 738
6 011
2 109
-
income
7 885
6 704
8 114
-
total
11 184
13 946
10 656
-
Employer
72 421
72 421
72 421
-
health
609
1 340
470
-
social contributions
2 738
6 011
2 109
-
total
3 347
7 351
2 579
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
28 000
28 000
28 000
28 000
Total tax
14 531
21 297
13 235
6 498
After tax
13 469
6 703
14 765
21 502
Living cost
21 806
21 806
21 806
21 806
Free-cash
-8 337
-15 103
-7 041
-304

Estimated living cost  is ₽21806 per week

₽13068
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2139
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽483
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6116
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽3443
₽2550
₽8234
₽1910
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
28 000
health
-
-
-
3 408
income
-
-
-
1 711
pensions
-
-
-
5 991
unemployment
-
-
-
27
total
-
-
-
11 137
Employee

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

21 618
-
25 385
-
unemployment
107
-
127
-
pensions
3 242
-
3 809
-
health
1 837
-
2 157
-
income
1 478
-
1 789
-
total
6 664
-
7 882
-
Employer

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

21 618
-
25 385
-
pensions
1 189
-
1 396
-
health
929
-
1 092
-
unemployment
107
-
127
-
total
2 225
-
2 615
-
Corporate
4 157
28 000
-
-
income
374
2 520
-
-
total
374
2 520
-
-
Dividends
3 784
25 480
-
-
withholding
341
2 293
-
-
total
341
2 293
-
-
Income
28 000
28 000
28 000
28 000
Total tax
9 604
4 813
10 497
11 137
After tax
18 396
23 187
17 503
16 863
Living cost
14 953
14 953
14 953
14 953
Free-cash
3 443
8 234
2 550
1 910

Estimated living cost  is ₽14953 per week

₽9540
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1078
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽445
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3889
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽17927
-₽12959
-₽6882
-₽10025
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
accident
-
-
-
252
income
-
-
-
3 723
pensions
-
-
-
7 925
other
-
-
-
29
unemployment
-
-
-
197
total
-
-
-
12 126
Employee
34 824
-
17 973
-
unemployment
540
-
488
-
pensions
1 637
-
1 478
-
income
6 714
-
3 035
-
other
34
-
32
-
total
8 925
-
5 033
-
Employer
34 824
-
17 973
-
pensions
8 218
-
7 423
-
other
279
-
252
-
unemployment
1 916
-
1 730
-
accident
690
-
622
-
total
11 103
-
10 027
-
Corporate
-
28 000
-
-
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.

-
4 200
-
-
total
-
4 200
-
-
Dividends
-
23 800
-
-
withholding
-
4 783
-
-
total
-
4 783
-
-
Income
28 000
28 000
28 000
28 000
Total tax
20 028
8 983
15 060
12 126
After tax
7 972
19 017
12 940
15 874
Living cost
25 899
25 899
25 899
25 899
Free-cash
-17 927
-6 882
-12 959
-10 025

Estimated living cost  is ₽25899 per week

₽17481
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2490
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽454
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5474
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽15317
₽15133
₽15622
₽15264
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
health
-
-
-
978
income
-
-
-
8 559
pensions
-
-
-
1 349
total
-
-
-
10 886
Employee
2 817
-
26 482
-
unemployment
28
-
67
-
pensions
254
-
607
-
health
141
-
337
-
income
545
-
8 488
-
total
968
-
9 499
-
Employer
2 817
-
26 482
-
pensions
310
-
742
-
health
268
-
641
-
unemployment
56
-
135
-
total
634
-
1 518
-
Corporate
24 549
28 000
-
-
income
5 401
6 160
-
-
total
5 401
6 160
-
-
Dividends
19 148
21 840
-
-
withholding
3 830
4 368
-
-
total
3 830
4 368
-
-
Income
28 000
28 000
28 000
28 000
Total tax
10 833
10 528
11 017
10 886
After tax
17 167
17 472
16 983
17 114
Living cost
1 850
1 850
1 850
1 850
Free-cash
15 317
15 622
15 133
15 264

Estimated living cost  is ₽1850 per week

₽1099
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽150
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽42
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽558
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽943
-₽481
₽3950
-₽1686
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
28 000
health
-
-
-
2 884
income
-
-
-
2 822
pensions
-
-
-
7 280
unemployment
-
-
-
420
total
-
-
-
13 406
Employee

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

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

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

24 548
-
23 749
-
unemployment
184
-
178
-
pensions
3 437
-
3 325
-
health
1 264
-
1 223
-
income
3 384
-
3 224
-
total
8 269
-
7 950
-
Employer

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

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

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

24 548
-
23 749
-
pensions
2 946
-
2 850
-
health
1 264
-
1 223
-
unemployment
184
-
178
-
total
4 394
-
4 251
-
Corporate
-
28 000
-
-
income
-
4 200
-
-
total
-
4 200
-
-
Dividends
-
23 800
-
-
withholding
-
3 570
-
-
total
-
3 570
-
-
Income
28 000
28 000
28 000
28 000
Total tax
12 663
7 770
12 201
13 406
After tax
15 337
20 230
15 799
14 594
Living cost
16 280
16 280
16 280
16 280
Free-cash
-943
3 950
-481
-1 686

Estimated living cost  is ₽16280 per week

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

Source of data for Belgrade model

Close
Porto , Portugal
-₽17235
-₽8864
-₽9464
-₽8755
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
28 000
social contributions

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

-
-
-
9 730
income
-
-
-
1 634
surtax
-
-
-
-
total
-
-
-
11 364
Employee
36 554
-
22 626
-
social contributions
4 021
-
2 490
-
income
7 142
-
3 609
-
surtax
-
-
-
-
total
11 163
-
6 099
-
Employer
36 554
-
22 626
-
social contributions
8 681
-
5 374
-
total
8 681
-
5 374
-
Corporate
-
28 000
-
-
income
-
5 880
-
-
surtax
-
-
-
-
total
-
5 880
-
-
Dividends
-
22 120
-
-
withholding
-
6 193
-
-
total
-
6 193
-
-
Income
28 000
28 000
28 000
28 000
Total tax
19 844
12 073
11 473
11 364
After tax
8 156
15 927
16 527
16 636
Living cost
25 391
25 391
25 391
25 391
Free-cash
-17 235
-9 464
-8 864
-8 755

Estimated living cost  is ₽25391 per week

₽17983
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1764
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽450
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5194
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽31988
-₽20159
-₽14082
-₽17225
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
accident
-
-
-
252
income
-
-
-
3 723
pensions
-
-
-
7 925
other
-
-
-
29
unemployment
-
-
-
197
total
-
-
-
12 126
Employee
45 485
-
17 973
-
unemployment
704
-
488
-
pensions
2 138
-
1 478
-
income
9 500
-
3 035
-
other
45
-
32
-
total
12 387
-
5 033
-
Employer
45 485
-
17 973
-
pensions
10 734
-
7 423
-
other
365
-
252
-
unemployment
2 502
-
1 730
-
accident
901
-
622
-
total
14 502
-
10 027
-
Corporate
-
28 000
-
-
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.

-
4 200
-
-
total
-
4 200
-
-
Dividends
-
23 800
-
-
withholding
-
4 783
-
-
total
-
4 783
-
-
Income
28 000
28 000
28 000
28 000
Total tax
26 889
8 983
15 060
12 126
After tax
1 111
19 017
12 940
15 874
Living cost
33 099
33 099
33 099
33 099
Free-cash
-31 988
-14 082
-20 159
-17 225

Estimated living cost  is ₽33099 per week

₽23771
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2574
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.
₽6289
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽1989
₽1466
₽7730
₽114
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
health
-
-
-
3 220
income
-
-
-
4 200
pensions

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

-
-
-
4 144
unemployment
-
-
-
112
total
-
-
-
11 676
Employee
21 464
-
23 407
-
accident

We are using the highest rate at 1.1%.

236
-
258
-
pensions

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

1 884
-
2 055
-
health
987
-
1 076
-
income
2 147
-
2 341
-
total
5 254
-
5 730
-
Employer
21 464
-
23 407
-
pensions

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

2 365
-
2 579
-
health
1 481
-
1 616
-
unemployment
129
-
141
-
accident

We are using the highest rate at 1.1%.

236
-
258
-
total
4 211
-
4 594
-
Corporate
2 325
28 000
-
-
income
232
2 800
-
-
total
232
2 800
-
-
Dividends
2 093
25 200
-
-
withholding
104
1 260
-
-
total
104
1 260
-
-
Income
28 000
28 000
28 000
28 000
Total tax
9 801
4 060
10 324
11 676
After tax
18 199
23 940
17 676
16 324
Living cost
16 210
16 210
16 210
16 210
Free-cash
1 989
7 730
1 466
114

Estimated living cost  is ₽16210 per week

₽10721
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽928
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽387
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4175
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽18861
-₽15715
-₽21725
-₽15715
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
28 000
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.

-
-
-
6 434
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.

-
-
-
872
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.

-
-
-
48
total
-
-
-
7 354
Employee

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

46 861
-
28 000
-
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.

6 434
-
6 434
-
income

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

3 853
-
872
-
surtax

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

213
-
48
-
total
10 500
-
7 354
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
28 000
-
-
income
-
4 200
-
-
chamber of commerce
-
184
-
-
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.

-
231
-
-
trade
-
4 018
-
-
total
-
8 633
-
-
Dividends
-
19 368
-
-
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.

-
247
-
-
withholding
-
4 484
-
-
total
-
4 731
-
-
Income
28 000
28 000
28 000
28 000
Total tax
10 500
13 364
7 354
7 354
After tax
17 500
14 636
20 646
20 646
Living cost
36 361
36 361
36 361
36 361
Free-cash
-18 861
-21 725
-15 715
-15 715

Estimated living cost  is ₽36361 per week

₽25082
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3912
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽527
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6838
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽45671
-₽29183
-₽34050
-₽29183
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
social contributions
-
-
-
882
income
-
-
-
2 651
total
-
-
-
3 533
Employee
73 671
-
28 000
-
social contributions
6 120
-
882
-
income
13 901
-
2 651
-
total
20 021
-
3 533
-
Employer
73 671
-
28 000
-
total
-
-
-
-
Corporate
-
28 000
-
-
income
-
3 499
-
-
total
-
3 499
-
-
Dividends
-
24 501
-
-
withholding
-
4 901
-
-
total
-
4 901
-
-
Income
28 000
28 000
28 000
28 000
Total tax
20 021
8 400
3 533
3 533
After tax
7 979
19 600
24 467
24 467
Living cost
53 650
53 650
53 650
53 650
Free-cash
-45 671
-34 050
-29 183
-29 183

Estimated living cost  is ₽53650 per week

₽40816
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4372
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽513
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7950
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽22345
-₽12284
-₽18799
-₽38840
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
28 000
income
-
-
-
26 809
health

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

-
-
-
5 843
total
-
-
-
32 652
Employee
43 205
-
25 450
-
social contributions
4 329
-
2 550
-
income
4 688
-
996
-
total
9 017
-
3 546
-
Employer
43 205
-
25 450
-
social contributions
4 329
-
2 550
-
total
4 329
-
2 550
-
Corporate
-
28 000
-
-
income
-
9 800
-
-
total
-
9 800
-
-
Dividends
-
18 200
-
-
social contributions
2 811
2 811
-
-
total
2 811
2 811
-
-
Income
28 000
28 000
28 000
28 000
Total tax
16 157
12 611
6 096
32 652
After tax
11 843
15 389
21 904
-4 652
Living cost
34 188
34 188
34 188
34 188
Free-cash
-22 345
-18 799
-12 284
-38 840

Estimated living cost  is ₽34188 per week

₽22520
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2695
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.
₽8448
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽24845
-₽14765
-₽13394
-₽12752
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
income
-
-
-
5 405
pensions
-
-
-
974
total
-
-
-
6 379
Employee
47 182
-
25 707
-
pensions
3 601
-
1 025
-
health
615
-
175
-
income
8 592
-
4 901
-
total
12 808
-
6 101
-
Employer
47 182
-
25 707
-
pensions
4 767
-
1 802
-
health
897
-
489
-
total
5 664
-
2 291
-
Corporate
-
28 000
-
-
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.

-
5 319
-
-
total
-
5 319
-
-
Dividends
-
22 681
-
-
withholding
-
1 702
-
-
total
-
1 702
-
-
Income
28 000
28 000
28 000
28 000
Total tax
18 472
7 021
8 392
6 379
After tax
9 528
20 979
19 608
21 621
Living cost
34 373
34 373
34 373
34 373
Free-cash
-24 845
-13 394
-14 765
-12 752

Estimated living cost  is ₽34373 per week

₽23580
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3161
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽430
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7200
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽14979
-₽7910
-₽20429
-₽5125
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
accident
-
-
-
241
health
-
-
-
2 078
income
-
-
-
3 792
pensions
-
-
-
3 964
other
-
-
-
353
total
-
-
-
10 428
Employee
35 703
-
23 260
-
pensions
4 020
-
2 619
-
health
4 088
-
2 663
-
income
4 898
-
3 191
-
total
13 006
-
8 473
-
Employer
35 703
-
23 260
-
pensions
5 805
-
3 782
-
unemployment
875
-
570
-
accident
596
-
388
-
total
7 276
-
4 740
-
Corporate
-
28 000
-
-
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.

-
25 200
-
-
total
-
25 200
-
-
Dividends
-
2 800
-
-
withholding
-
532
-
-
total
-
532
-
-
Income
28 000
28 000
28 000
28 000
Total tax
20 282
25 732
13 213
10 428
After tax
7 718
2 268
14 787
17 572
Living cost
22 697
22 697
22 697
22 697
Free-cash
-14 979
-20 429
-7 910
-5 125

Estimated living cost  is ₽22697 per week

₽16657
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1323
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽457
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4260
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽6483
₽4767
₽11067
₽4767
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
28 000
income
-
-
-
2 800
health insurance
-
-
-
2 072
pensions
-
-
-
5 152
unemployment
-
-
-
336
work injury
-
-
-
140
total
-
-
-
10 500
Employee

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

20 372
-
28 000
-
unemployment
244
-
336
-
pensions
3 749
-
5 152
-
work injury
102
-
140
-
income
2 037
-
2 800
-
health insurance
1 508
-
2 072
-
total
7 640
-
10 500
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
7 628
28 000
-
-
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
7 628
28 000
-
-
withholding
1 144
4 200
-
-
total
1 144
4 200
-
-
Income
28 000
28 000
28 000
28 000
Total tax
8 784
4 200
10 500
10 500
After tax
19 216
23 800
17 500
17 500
Living cost
12 733
12 733
12 733
12 733
Free-cash
6 483
11 067
4 767
4 767

Estimated living cost  is ₽12733 per week

₽7888
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽925
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽397
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3522
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽51364
-₽23811
-₽22769
-₽22122
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 000
social contributions
-
-
-
7 299
municipal
-
-
-
186
regional
-
-
-
357
national
-
-
-
4 761
total
-
-
-
12 603
Employee
79 363
-
28 000
-
regional
1 198
-
318
-
municipal
474
-
166
-
national
13 412
-
4 239
-
social contributions
26 761
-
9 569
-
total
41 845
-
14 292
-
Employer
79 363
-
28 000
-
total
-
-
-
-
Corporate
-
28 000
-
-
municipal
-
1 349
-
-
nationa
-
6 720
-
-
total
-
8 069
-
-
Dividends
-
19 931
-
-
withholding
-
5 181
-
-
total
-
5 181
-
-
Income
28 000
28 000
28 000
28 000
Total tax
41 845
13 250
14 292
12 603
After tax
-13 845
14 750
13 708
15 397
Living cost
37 519
37 519
37 519
37 519
Free-cash
-51 364
-22 769
-23 811
-22 122

Estimated living cost  is ₽37519 per week

₽26355
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2581
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽567
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8016
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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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