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
-₽6525
-₽12893
-₽6525
-₽6387
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
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.

-
-
-
1 092
trade
-
-
-
-
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.

-
-
-
6 142
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.

-
-
-
60
total
-
-
-
7 294
Employee

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

34 387
-
28 000
-
surtax

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

53
-
60
-
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.

6 142
-
6 142
-
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.

961
-
1 092
-
total
7 156
-
7 294
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
28 000
-
-
income
-
4 200
-
-
trade
-
4 410
-
-
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.

-
230
-
-
chamber of commerce
-
177
-
-
total
-
9 017
-
-
Dividends
-
18 981
-
-
withholding
-
4 403
-
-
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.

-
242
-
-
total
-
4 645
-
-
Income
28 000
28 000
28 000
28 000
Total tax
7 156
13 662
7 294
7 294
After tax
20 844
14 338
20 706
20 706
Living cost
27 231
27 231
27 231
27 231
Free-cash
-6 387
-12 893
-6 525
-6 525

Estimated living cost  is ₽27231 per week

₽17129
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3175
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽508
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6418
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽28205
-₽29942
-₽28426
-₽52171
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
pensions
-
-
-
3 360
social contributions
-
-
-
301
municipal
-
-
-
2 099
national
-
-
-
3 252
total
-
-
-
9 012
Employee
73 501
-
24 206
-
municipal
9 079
-
2 207
-
pensions
2 940
-
968
-
national
14 068
-
3 420
-
total
26 087
-
6 595
-
Employer
73 501
-
24 206
-
social contributions
790
-
260
-
pensions
5 880
-
1 936
-
total
6 670
-
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
32 757
10 528
8 791
9 012
After tax
-4 757
17 472
19 209
18 988
Living cost
47 414
47 414
47 414
47 414
Free-cash
-52 171
-29 942
-28 205
-28 426

Estimated living cost  is ₽47414 per week

₽32227
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4408
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽710
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10070
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽2638
₽3697
₽2266
-₽4598
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
income
-
-
-
-
microenterprise
-
-
-
4 200
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.

-
-
-
2 830
surtax
-
-
-
-
total
-
-
-
7 030
Employee
26 271
-
22 564
-
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.

2 890
-
2 482
-
income
4 676
-
4 016
-
total
7 566
-
6 498
-
Employer
26 271
-
22 564
-
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.

6 328
-
5 436
-
total
6 328
-
5 436
-
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
13 894
5 599
11 934
7 030
After tax
14 106
22 401
16 066
20 970
Living cost
18 704
18 704
18 704
18 704
Free-cash
-4 598
3 697
-2 638
2 266

Estimated living cost  is ₽18704 per week

₽11933
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1781
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽425
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4566
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽61278
-₽56231
-₽21520
-₽61278
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
2 520
pensions
-
-
-
5 040
health
-
-
-
4 298
total
-
-
-
11 858
Employee
76 775
76 775
76 775
-
pensions
13 820
10 534
13 820
-
health
11 784
10 023
11 784
-
income

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

12 567
12 567
12 567
-
total
38 171
33 124
38 171
-
Employer
76 775
76 775
76 775
-
health
5 337
5 337
5 337
-
unemployment
2 764
2 764
2 764
-
pensions
5 344
5 344
5 344
-
total
13 445
13 445
13 445
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
28 000
28 000
28 000
28 000
Total tax
51 616
46 569
51 616
11 858
After tax
-23 616
-18 569
-23 616
16 142
Living cost
37 662
37 662
37 662
37 662
Free-cash
-61 278
-56 231
-61 278
-21 520

Estimated living cost  is ₽37662 per week

₽26690
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3395
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.
₽6978
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Rotterdam model

Close
Stockholm , Sweden
-₽21516
-₽21181
-₽22512
-₽40292
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
pensions
-
-
-
3 027
other
-
-
-
3 254
unemployment
-
-
-
28
accident
-
-
-
56
health
-
-
-
1 747
municipal
-
-
-
5 931
national
-
-
-
-
total
-
-
-
14 043
Employee
51 965
-
21 306
-
municipal
15 496
-
6 353
-
national
-
-
-
-
total
15 496
-
6 353
-
Employer
51 965
-
21 306
-
accident
104
-
43
-
other
6 038
-
2 476
-
health
3 196
-
1 310
-
unemployment
1 372
-
562
-
pensions
5 617
-
2 303
-
total
16 327
-
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
31 823
12 712
13 047
14 043
After tax
-3 823
15 288
14 953
13 957
Living cost
36 469
36 469
36 469
36 469
Free-cash
-40 292
-21 181
-21 516
-22 512

Estimated living cost  is ₽36469 per week

₽24170
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3579
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽554
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8166
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽14612
-₽21126
-₽14612
-₽17592
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
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.

-
-
-
1 092
trade
-
-
-
-
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.

-
-
-
6 142
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.

-
-
-
60
total
-
-
-
7 294
Employee

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

45 593
-
28 000
-
surtax

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

215
-
60
-
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.

6 142
-
6 142
-
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.

3 917
-
1 092
-
total
10 274
-
7 294
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
28 000
-
-
income
-
4 200
-
-
trade
-
4 607
-
-
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.

-
230
-
-
chamber of commerce
-
176
-
-
total
-
9 213
-
-
Dividends
-
18 787
-
-
withholding
-
4 356
-
-
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.

-
239
-
-
total
-
4 595
-
-
Income
28 000
28 000
28 000
28 000
Total tax
10 274
13 808
7 294
7 294
After tax
17 726
14 192
20 706
20 706
Living cost
35 318
35 318
35 318
35 318
Free-cash
-17 592
-21 126
-14 612
-14 612

Estimated living cost  is ₽35318 per week

₽23621
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3724
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽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.
₽7445
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽13994
-₽21493
-₽7365
-₽16576
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
34 178
income
-
-
-
-
social contributions
-
-
-
5 332
health
-
-
-
872
total
-
-
-
6 204
Employee
69 133
69 133
69 133
-
social contributions
3 359
5 738
2 110
-
health
688
1 176
432
-
income
7 260
6 400
7 710
-
total
11 307
13 314
10 252
-
Employer
69 133
69 133
69 133
-
health
749
1 280
471
-
social contributions
3 359
5 738
2 110
-
total
4 108
7 018
2 581
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
28 000
28 000
28 000
28 000
Total tax
15 415
20 332
12 833
6 204
After tax
12 585
7 668
15 167
21 796
Living cost
29 161
29 161
29 161
29 161
Free-cash
-16 576
-21 493
-13 994
-7 365

Estimated living cost  is ₽29161 per week

₽19934
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2278
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.
₽6459
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽1831
-₽2027
₽1333
-₽3161
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
3 423
pensions
-
-
-
2 800
unemployment
-
-
-
420
health
-
-
-
1 960
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.

26 076
10 378
23 431
-
unemployment
391
156
351
-
pensions
2 608
1 038
2 343
-
health
1 825
726
1 640
-
income
3 188
1 269
2 864
-
total
8 012
3 189
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.

26 076
10 378
23 431
-
pensions
5 085
2 024
4 569
-
total
5 085
2 024
4 569
-
Corporate
-
15 598
-
-
income
-
1 404
-
-
total
-
1 404
-
-
Dividends
-
14 195
-
-
withholding
-
2 697
-
-
social contributions
-
2 649
-
-
total
-
5 346
-
-
Income
28 000
28 000
28 000
28 000
Total tax
13 097
11 963
11 767
8 603
After tax
14 903
16 037
16 233
19 397
Living cost
18 064
18 064
18 064
18 064
Free-cash
-3 161
-2 027
-1 831
1 333

Estimated living cost  is ₽18064 per week

₽12327
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1478
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽361
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3898
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽3527
₽686
-₽4659
-₽6125
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
1 704
pensions
-
-
-
5 599
health
-
-
-
3 641
total
-
-
-
10 944
Employee
25 505
-
20 925
-
unemployment
408
-
334
-
pensions
510
-
418
-
income
2 871
-
1 988
-
total
3 789
-
2 740
-
Employer
25 505
-
20 925
-
health
3 315
-
2 720
-
unemployment
205
-
167
-
pensions
5 101
-
4 185
-
total
8 621
-
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
12 410
5 599
9 812
10 944
After tax
15 590
22 401
18 188
17 056
Living cost
21 715
21 715
21 715
21 715
Free-cash
-6 125
686
-3 527
-4 659

Estimated living cost  is ₽21715 per week

₽14894
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1293
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽437
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5091
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽5052
-₽17571
-₽1975
-₽9567
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
3 855
pensions
-
-
-
3 752
other
-
-
-
334
accident
-
-
-
228
health
-
-
-
1 967
total
-
-
-
10 136
Employee
31 207
-
23 259
-
pensions
3 514
-
2 619
-
health
3 573
-
2 663
-
income
4 281
-
3 191
-
total
11 368
-
8 473
-
Employer
31 207
-
23 259
-
accident
521
-
388
-
unemployment
765
-
570
-
pensions
5 074
-
3 782
-
total
6 360
-
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
17 728
25 732
13 213
10 136
After tax
10 272
2 268
14 787
17 864
Living cost
19 839
19 839
19 839
19 839
Free-cash
-9 567
-17 571
-5 052
-1 975

Estimated living cost  is ₽19839 per week

₽14540
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1099
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽414
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3786
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽14682
₽18882
₽20002
₽17435
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
9 647
-
28 000
-
income
1 929
-
5 600
-
total
1 929
-
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%.

18 353
28 000
-
-
total
-
-
-
-
Dividends
18 353
28 000
-
-
withholding
918
1 400
-
-
total
918
1 400
-
-
Income
28 000
28 000
28 000
28 000
Total tax
2 847
1 400
5 600
280
After tax
25 153
26 600
22 400
27 720
Living cost
7 718
7 718
7 718
7 718
Free-cash
17 435
18 882
14 682
20 002

Estimated living cost  is ₽7718 per week

₽4783
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽642
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽212
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2081
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽7545
-₽3384
-₽8795
-₽12870
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
3 556
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
-
-
-
1 331
health
-
-
-
1 232
total
-
-
-
12 839
Employee
32 644
-
22 363
-
unemployment
326
-
224
-
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.

2 284
-
1 565
-
health
457
-
314
-
income
5 620
-
3 849
-
total
8 687
-
5 952
-
Employer
32 644
-
22 363
-
accident
261
-
179
-
other
1 633
-
1 119
-
health
457
-
314
-
unemployment
326
-
224
-
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.

5 550
-
3 801
-
total
8 227
-
5 637
-
Corporate
-
28 000
-
-
income
-
5 879
-
-
total
-
5 879
-
-
Dividends
-
22 121
-
-
withholding
-
1 549
-
-
total
-
1 549
-
-
Income
28 000
28 000
28 000
28 000
Total tax
16 914
7 428
11 589
12 839
After tax
11 086
20 572
16 411
15 161
Living cost
23 956
23 956
23 956
23 956
Free-cash
-12 870
-3 384
-7 545
-8 795

Estimated living cost  is ₽23956 per week

₽16926
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1617
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽386
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5026
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽40730
-₽39280
-₽38672
-₽68942
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
5 397
pensions
-
-
-
1 016
total
-
-
-
6 413
Employee
85 257
-
25 668
-
pensions
8 225
-
1 074
-
health
1 405
-
183
-
income
15 368
-
4 883
-
total
24 998
-
6 140
-
Employer
85 257
-
25 668
-
health
1 619
-
488
-
pensions
10 066
-
1 843
-
total
11 685
-
2 331
-
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.

-
5 320
-
-
total
-
5 320
-
-
Dividends
-
22 680
-
-
withholding
-
1 701
-
-
total
-
1 701
-
-
Income
28 000
28 000
28 000
28 000
Total tax
36 683
7 021
8 471
6 413
After tax
-8 683
20 979
19 529
21 587
Living cost
60 259
60 259
60 259
60 259
Free-cash
-68 942
-39 280
-40 730
-38 672

Estimated living cost  is ₽60259 per week

₽45153
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽7080
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.
₽7536
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
₽5707
₽11972
₽4356
₽7732
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
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
health
-
-
-
3 220
total
-
-
-
11 676
Employee
15 848
-
23 407
-
pensions

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

1 391
-
2 055
-
health
729
-
1 077
-
accident

We are using the highest rate at 1.1%.

174
-
258
-
income
1 585
-
2 341
-
total
3 879
-
5 731
-
Employer
15 848
-
23 407
-
accident

We are using the highest rate at 1.1%.

174
-
258
-
health
1 094
-
1 616
-
unemployment
95
-
141
-
pensions

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

1 747
-
2 579
-
total
3 110
-
4 594
-
Corporate
9 043
28 000
-
-
income
904
2 800
-
-
total
904
2 800
-
-
Dividends
8 138
25 200
-
-
withholding
407
1 260
-
-
total
407
1 260
-
-
Income
28 000
28 000
28 000
28 000
Total tax
8 300
4 060
10 325
11 676
After tax
19 700
23 940
17 675
16 324
Living cost
11 968
11 968
11 968
11 968
Free-cash
7 732
11 972
5 707
4 356

Estimated living cost  is ₽11968 per week

₽6987
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽855
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽317
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3809
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽73470
-₽68423
-₽33712
-₽69948
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
2 520
pensions
-
-
-
5 040
health
-
-
-
4 298
total
-
-
-
11 858
Employee
83 353
76 775
76 775
-
pensions
10 534
10 534
13 820
-
health
10 399
10 023
11 784
-
income

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

12 567
12 567
12 567
-
total
33 500
33 124
38 171
-
Employer
83 353
76 775
76 775
-
health
5 792
5 337
5 337
-
unemployment
3 001
2 764
2 764
-
pensions
5 801
5 344
5 344
-
total
14 594
13 445
13 445
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
28 000
28 000
28 000
28 000
Total tax
48 094
46 569
51 616
11 858
After tax
-20 094
-18 569
-23 616
16 142
Living cost
49 854
49 854
49 854
49 854
Free-cash
-69 948
-68 423
-73 470
-33 712

Estimated living cost  is ₽49854 per week

₽36775
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4453
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽572
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8055
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽8192
-₽3123
-₽8764
-₽16143
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
2 407
solidarity contribution
-
-
-
-
social contributions
-
-
-
8 176
health
-
-
-
3 780
total
-
-
-
14 363
Employee
32 943
-
20 896
-
social contributions
2 141
-
1 358
-
solidarity contribution
-
-
-
-
health
4 447
-
2 821
-
income
3 953
-
2 507
-
total
10 541
-
6 686
-
Employer
32 943
-
20 896
-
health
2 965
-
1 881
-
social contributions
8 236
-
5 224
-
total
11 201
-
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
21 742
8 722
13 791
14 363
After tax
6 258
19 278
14 209
13 637
Living cost
22 401
22 401
22 401
22 401
Free-cash
-16 143
-3 123
-8 192
-8 764

Estimated living cost  is ₽22401 per week

₽15560
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1594
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽441
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4807
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽24025
-₽22997
-₽22346
-₽51902
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
regional
-
-
-
256
social contributions
-
-
-
7 202
municipal
-
-
-
167
national
-
-
-
4 784
total
-
-
-
12 409
Employee
79 902
-
28 000
-
municipal
423
-
148
-
social contributions
26 943
-
9 442
-
regional
754
-
229
-
national
13 845
-
4 269
-
total
41 965
-
14 088
-
Employer
79 902
-
28 000
-
total
-
-
-
-
Corporate
-
28 000
-
-
nationa
-
6 720
-
-
municipal
-
1 092
-
-
total
-
7 812
-
-
Dividends
-
20 188
-
-
withholding
-
5 248
-
-
total
-
5 248
-
-
Income
28 000
28 000
28 000
28 000
Total tax
41 965
13 060
14 088
12 409
After tax
-13 965
14 940
13 912
15 591
Living cost
37 937
37 937
37 937
37 937
Free-cash
-51 902
-22 997
-24 025
-22 346

Estimated living cost  is ₽37937 per week

₽26445
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2488
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽582
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8421
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽4329
-₽2228
-₽3674
-₽7990
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
4 042
pensions
-
-
-
5 599
other
-
-
-
-
unemployment
-
-
-
205
health
-
-
-
1 989
surtax
-
-
-
-
total
-
-
-
11 835
Employee
29 731
-
23 131
-
unemployment
2 070
-
1 611
-
surtax
97
-
-
-
pensions
1 983
-
1 542
-
health
759
-
589
-
other
-
-
-
-
income
4 984
-
3 878
-
total
9 893
-
7 620
-
Employer
29 731
-
23 131
-
other
-
-
-
-
health
1 353
-
1 053
-
unemployment
942
-
734
-
pensions
3 963
-
3 083
-
total
6 258
-
4 870
-
Corporate
-
28 000
-
-
income
-
7 280
-
-
total
-
7 280
-
-
Dividends
-
20 720
-
-
withholding
-
3 109
-
-
total
-
3 109
-
-
Income
28 000
28 000
28 000
28 000
Total tax
16 151
10 389
12 490
11 835
After tax
11 849
17 611
15 510
16 165
Living cost
19 839
19 839
19 839
19 839
Free-cash
-7 990
-2 228
-4 329
-3 674

Estimated living cost  is ₽19839 per week

₽12130
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1831
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.
₽5420
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽21638
-₽20188
-₽19580
-₽36407
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
5 397
pensions
-
-
-
1 016
total
-
-
-
6 413
Employee
57 137
-
25 668
-
pensions
4 850
-
1 074
-
health
829
-
183
-
income
10 291
-
4 883
-
total
15 970
-
6 140
-
Employer
57 137
-
25 668
-
health
1 085
-
488
-
pensions
6 185
-
1 843
-
total
7 270
-
2 331
-
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.

-
5 320
-
-
total
-
5 320
-
-
Dividends
-
22 680
-
-
withholding
-
1 701
-
-
total
-
1 701
-
-
Income
28 000
28 000
28 000
28 000
Total tax
23 240
7 021
8 471
6 413
After tax
4 760
20 979
19 529
21 587
Living cost
41 167
41 167
41 167
41 167
Free-cash
-36 407
-20 188
-21 638
-19 580

Estimated living cost  is ₽41167 per week

₽30842
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3086
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽431
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6808
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽50581
-₽59167
-₽47916
-₽64246
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
regional
-
-
-
281
pensions
-
-
-
2 577
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.

-
-
-
560
city
-
-
-
294
health
-
-
-
235
national
-
-
-
-
total
-
-
-
3 947
Employee
84 223
-
24 397
-
city
904
-
253
-
unemployment
-
-
-
-
pensions
7 076
-
2 791
-
regional
2 758
-
179
-
health
190
-
55
-
national
399
-
-
-
total
11 327
-
3 278
-
Employer
84 223
-
24 397
-
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.

1 684
-
488
-
health
190
-
55
-
unemployment
-
-
-
-
pensions
7 076
-
2 791
-
total
8 950
-
3 334
-
Corporate
-
28 000
-
-
national
-
2 381
-
-
regional
-
5 922
-
-
total
-
8 303
-
-
Dividends
-
19 697
-
-
withholding
-
6 895
-
-
total
-
6 895
-
-
Income
28 000
28 000
28 000
28 000
Total tax
20 277
15 198
6 612
3 947
After tax
7 723
12 802
21 388
24 053
Living cost
71 969
71 969
71 969
71 969
Free-cash
-64 246
-59 167
-50 581
-47 916

Estimated living cost  is ₽71969 per week

₽46801
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6458
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽884
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽17826
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽20480
-₽27138
-₽20480
-₽26032
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
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.

-
-
-
1 092
trade
-
-
-
-
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.

-
-
-
6 142
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.

-
-
-
60
total
-
-
-
7 294
Employee

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

54 031
-
28 000
-
surtax

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

350
-
60
-
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.

6 142
-
6 142
-
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.

6 354
-
1 092
-
total
12 846
-
7 294
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
28 000
-
-
income
-
4 200
-
-
trade
-
4 803
-
-
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.

-
230
-
-
chamber of commerce
-
176
-
-
total
-
9 409
-
-
Dividends
-
18 591
-
-
withholding
-
4 306
-
-
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.

-
237
-
-
total
-
4 543
-
-
Income
28 000
28 000
28 000
28 000
Total tax
12 846
13 952
7 294
7 294
After tax
15 154
14 048
20 706
20 706
Living cost
41 186
41 186
41 186
41 186
Free-cash
-26 032
-27 138
-20 480
-20 480

Estimated living cost  is ₽41186 per week

₽30080
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3295
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.
₽7277
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽12640
-₽16647
-₽13445
-₽22494
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
73
pensions
-
-
-
8 705
social contributions
-
-
-
798
other
-
-
-
868
health
-
-
-
242
surtax
-
-
-
-
total
-
-
-
10 686
Employee
38 478
-
21 336
-
surtax
-
-
-
-
pensions
4 351
-
2 414
-
social contributions
1 097
-
607
-
income
2 271
-
198
-
total
7 719
-
3 219
-
Employer
38 478
-
21 336
-
other
1 327
-
735
-
health
2 694
-
1 493
-
unemployment
1 558
-
863
-
social contributions
116
-
65
-
pensions
6 321
-
3 506
-
total
12 016
-
6 662
-
Corporate
-
28 000
-
-
income
-
7 840
-
-
surtax
-
-
-
-
total
-
7 840
-
-
Dividends
-
20 160
-
-
withholding
-
2 581
-
-
surtax
-
-
-
-
social contributions
-
3 467
-
-
total
-
6 048
-
-
Income
28 000
28 000
28 000
28 000
Total tax
19 735
13 888
9 881
10 686
After tax
8 265
14 112
18 119
17 314
Living cost
30 759
30 759
30 759
30 759
Free-cash
-22 494
-16 647
-12 640
-13 445

Estimated living cost  is ₽30759 per week

₽19395
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2501
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.
₽8341
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽9593
-₽13600
-₽10398
-₽17073
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
73
pensions
-
-
-
8 705
social contributions
-
-
-
798
other
-
-
-
868
health
-
-
-
242
surtax
-
-
-
-
total
-
-
-
10 686
Employee
34 347
-
21 336
-
surtax
-
-
-
-
pensions
3 885
-
2 414
-
social contributions
979
-
607
-
income
1 771
-
198
-
total
6 635
-
3 219
-
Employer
34 347
-
21 336
-
other
1 186
-
735
-
health
2 404
-
1 493
-
unemployment
1 390
-
863
-
social contributions
102
-
65
-
pensions
5 644
-
3 506
-
total
10 726
-
6 662
-
Corporate
-
28 000
-
-
income
-
7 840
-
-
surtax
-
-
-
-
total
-
7 840
-
-
Dividends
-
20 160
-
-
withholding
-
2 581
-
-
surtax
-
-
-
-
social contributions
-
3 467
-
-
total
-
6 048
-
-
Income
28 000
28 000
28 000
28 000
Total tax
17 361
13 888
9 881
10 686
After tax
10 639
14 112
18 119
17 314
Living cost
27 712
27 712
27 712
27 712
Free-cash
-17 073
-13 600
-9 593
-10 398

Estimated living cost  is ₽27712 per week

₽16072
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2815
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽525
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8300
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽1397
-₽1982
-₽1083
-₽4844
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
4 200
social contributions
-
-
-
3 864
health
-
-
-
1 955
total
-
-
-
10 019
Employee
30 483
-
28 000
-
social contributions
4 207
-
3 864
-
health
2 128
-
1 955
-
income
5 084
-
4 514
-
total
11 419
-
10 333
-
Employer
30 483
-
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%.

-
1 401
-
-
total
-
1 401
-
-
Dividends
-
26 599
-
-
withholding
-
3 991
-
-
health
793
1 856
-
-
social contributions
1 568
3 670
-
-
total
2 361
9 517
-
-
Income
28 000
28 000
28 000
28 000
Total tax
13 780
10 918
10 333
10 019
After tax
14 220
17 082
17 667
17 981
Living cost
19 064
19 064
19 064
19 064
Free-cash
-4 844
-1 982
-1 397
-1 083

Estimated living cost  is ₽19064 per week

₽12758
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1176
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽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.
₽4690
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽22485
-₽24152
-₽16804
-₽30890
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
-
pensions
-
-
-
5 180
unemployment
-
-
-
5 514
health
-
-
-
2 141
chamber of commerce
-
-
-
113
surtax
-
-
-
177
total
-
-
-
13 125
Employee
44 930
35 828
35 828
-
unemployment
1 348
1 075
623
-
pensions
4 601
3 668
2 124
-
health
1 739
1 387
804
-
other
449
358
208
-
income
5 115
2 643
3 462
-
total
13 252
9 131
7 221
-
Employer
44 930
35 828
35 828
-
surtax
177
177
177
-
accident
583
466
270
-
other
2 134
1 701
1 573
-
health
1 698
1 355
785
-
unemployment
1 348
1 075
623
-
chamber of commerce
179
143
143
-
payroll
1 348
1 075
1 075
-
pensions
5 639
4 497
2 604
-
total
13 106
10 489
7 250
-
Corporate
3 412
3 412
17 339
-
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.

853
853
4 335
-
total
853
853
4 335
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
28 000
28 000
28 000
28 000
Total tax
27 211
20 473
18 806
13 125
After tax
789
7 527
9 194
14 875
Living cost
31 679
31 679
31 679
31 679
Free-cash
-30 890
-24 152
-22 485
-16 804

Estimated living cost  is ₽31679 per week

₽21129
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2702
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽520
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7328
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Additional information

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
-₽19771
-₽16851
-₽14823
-₽55029
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
communal

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

-
-
-
1 619
social contributions
-
-
-
1 025
national
-
-
-
7 399
total
-
-
-
10 043
Employee

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

64 309
-
21 686
-
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.

560
-
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.

4 823
-
1 626
-
communal

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

3 354
-
1 131
-
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.

3 022
-
1 019
-
national
19 771
-
4 712
-
total
31 530
-
8 677
-
Employer

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

64 309
-
21 686
-
surtax
7 292
-
2 460
-
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.

836
-
282
-
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.

3 955
-
1 334
-
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.

938
-
317
-
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.

5 698
-
1 921
-
total
18 719
-
6 314
-
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.

-
6 359
-
-
total
-
6 359
-
-
Income
28 000
28 000
28 000
28 000
Total tax
50 249
12 071
14 991
10 043
After tax
-22 249
15 929
13 009
17 957
Living cost
32 780
32 780
32 780
32 780
Free-cash
-55 029
-16 851
-19 771
-14 823

Estimated living cost  is ₽32780 per week

₽21115
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2866
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽514
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8287
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽19087
-₽13460
-₽16591
-₽31017
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
3 724
pensions
-
-
-
7 923
other
-
-
-
27
unemployment
-
-
-
196
accident
-
-
-
253
total
-
-
-
12 123
Employee
44 752
-
18 429
-
unemployment
694
-
466
-
pensions
2 104
-
1 411
-
other
44
-
31
-
income
9 442
-
3 139
-
total
12 284
-
5 047
-
Employer
44 752
-
18 429
-
accident
885
-
594
-
other
357
-
241
-
unemployment
2 462
-
1 652
-
pensions
10 561
-
7 085
-
total
14 265
-
9 572
-
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
-
4 792
-
-
total
-
4 792
-
-
Income
28 000
28 000
28 000
28 000
Total tax
26 549
8 992
14 619
12 123
After tax
1 451
19 008
13 381
15 877
Living cost
32 468
32 468
32 468
32 468
Free-cash
-31 017
-13 460
-19 087
-16 591

Estimated living cost  is ₽32468 per week

₽23909
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2303
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽467
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5787
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽32525
-₽29700
-₽32526
-₽48217
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
-
communal
-
-
-
-
pensions
-
-
-
6 845
accident
-
-
-
386
health
-
-
-
3 207
surtax
-
-
-
1 230
total
-
-
-
11 668
Employee
68 084
-
22 887
-
surtax
4 173
-
1 228
-
pensions
5 446
-
3 422
-
health
3 030
-
1 904
-
income
6 576
-
-
-
total
19 225
-
6 554
-
Employer
68 084
-
22 887
-
accident
612
-
386
-
health
2 076
-
1 305
-
pensions
5 446
-
3 422
-
total
8 134
-
5 113
-
Corporate
-
28 000
-
-
income
-
4 200
-
-
surtax
-
293
-
-
communal
-
-
-
-
total
-
4 493
-
-
Dividends
-
23 506
-
-
income
-
822
-
-
withholding
-
3 527
-
-
total
-
4 349
-
-
Income
28 000
28 000
28 000
28 000
Total tax
27 359
8 842
11 667
11 668
After tax
641
19 158
16 333
16 332
Living cost
48 858
48 858
48 858
48 858
Free-cash
-48 217
-29 700
-32 525
-32 526

Estimated living cost  is ₽48858 per week

₽36651
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2960
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽517
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8728
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽4684
-₽2583
-₽4029
-₽8652
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
4 042
pensions
-
-
-
5 599
other
-
-
-
-
unemployment
-
-
-
205
health
-
-
-
1 989
surtax
-
-
-
-
total
-
-
-
11 835
Employee
30 277
-
23 131
-
unemployment
2 107
-
1 611
-
surtax
107
-
-
-
pensions
2 020
-
1 542
-
health
773
-
589
-
other
-
-
-
-
income
5 076
-
3 878
-
total
10 083
-
7 620
-
Employer
30 277
-
23 131
-
other
-
-
-
-
health
1 377
-
1 053
-
unemployment
961
-
734
-
pensions
4 037
-
3 083
-
total
6 375
-
4 870
-
Corporate
-
28 000
-
-
income
-
7 280
-
-
total
-
7 280
-
-
Dividends
-
20 720
-
-
withholding
-
3 109
-
-
total
-
3 109
-
-
Income
28 000
28 000
28 000
28 000
Total tax
16 458
10 389
12 490
11 835
After tax
11 542
17 611
15 510
16 165
Living cost
20 194
20 194
20 194
20 194
Free-cash
-8 652
-2 583
-4 684
-4 029

Estimated living cost  is ₽20194 per week

₽12192
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1756
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽469
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5779
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽10454
-₽9501
-₽8792
-₽21871
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
regional
-
-
-
421
social contributions
-
-
-
7 202
municipal
-
-
-
167
national
-
-
-
4 784
total
-
-
-
12 574
Employee
49 871
-
28 000
-
municipal
264
-
148
-
social contributions
16 817
-
9 442
-
regional
671
-
377
-
national
7 901
-
4 269
-
total
25 653
-
14 236
-
Employer
49 871
-
28 000
-
total
-
-
-
-
Corporate
-
28 000
-
-
nationa
-
6 720
-
-
municipal
-
1 392
-
-
total
-
8 112
-
-
Dividends
-
19 887
-
-
withholding
-
5 171
-
-
total
-
5 171
-
-
Income
28 000
28 000
28 000
28 000
Total tax
25 653
13 283
14 236
12 574
After tax
2 347
14 717
13 764
15 426
Living cost
24 218
24 218
24 218
24 218
Free-cash
-21 871
-9 501
-10 454
-8 792

Estimated living cost  is ₽24218 per week

₽15062
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2453
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽415
Clothing and shoes. We estimate one pair of shoes and 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 Naples model

Close
Prague , Czech Republic
-₽13395
-₽8326
-₽13967
-₽26396
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
2 407
solidarity contribution
-
-
-
-
social contributions
-
-
-
8 176
health
-
-
-
3 780
total
-
-
-
14 363
Employee
40 594
-
20 896
-
social contributions
2 639
-
1 358
-
solidarity contribution
-
-
-
-
health
5 480
-
2 821
-
income
4 871
-
2 507
-
total
12 990
-
6 686
-
Employer
40 594
-
20 896
-
health
3 653
-
1 881
-
social contributions
10 149
-
5 224
-
total
13 802
-
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
26 792
8 722
13 791
14 363
After tax
1 208
19 278
14 209
13 637
Living cost
27 604
27 604
27 604
27 604
Free-cash
-26 396
-8 326
-13 395
-13 967

Estimated living cost  is ₽27604 per week

₽20528
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1529
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽478
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5069
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽19391
-₽20979
-₽13631
-₽23462
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
-
pensions
-
-
-
5 180
unemployment
-
-
-
5 514
health
-
-
-
2 141
chamber of commerce
-
-
-
113
surtax
-
-
-
-
total
-
-
-
12 948
Employee
39 300
35 828
35 828
-
unemployment
1 179
1 075
626
-
pensions
4 025
3 668
2 139
-
health
1 520
1 387
809
-
other
392
358
208
-
income
3 501
2 643
3 453
-
total
10 617
9 131
7 235
-
Employer
39 300
35 828
35 828
-
surtax
-
-
-
-
accident
510
466
271
-
other
1 866
1 701
1 575
-
health
1 486
1 355
790
-
unemployment
1 179
1 075
626
-
chamber of commerce
157
143
143
-
payroll
1 179
1 075
1 075
-
pensions
4 932
4 497
2 622
-
total
11 309
10 312
7 102
-
Corporate
3 412
3 412
17 485
-
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.

853
853
4 371
-
total
853
853
4 371
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
28 000
28 000
28 000
28 000
Total tax
22 779
20 296
18 708
12 948
After tax
5 221
7 704
9 292
15 052
Living cost
28 683
28 683
28 683
28 683
Free-cash
-23 462
-20 979
-19 391
-13 631

Estimated living cost  is ₽28683 per week

₽17206
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2929
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽512
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8036
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽10374
₽14574
₽15694
₽12319
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
15 033
-
28 000
-
income
3 007
-
5 600
-
total
3 007
-
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%.

12 967
28 000
-
-
total
-
-
-
-
Dividends
12 967
28 000
-
-
withholding
648
1 400
-
-
total
648
1 400
-
-
Income
28 000
28 000
28 000
28 000
Total tax
3 655
1 400
5 600
280
After tax
24 345
26 600
22 400
27 720
Living cost
12 026
12 026
12 026
12 026
Free-cash
12 319
14 574
10 374
15 694

Estimated living cost  is ₽12026 per week

₽8138
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽505
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽403
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2980
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽8831
-₽4837
-₽7944
-₽17947
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
income
-
-
-
3 918
pensions
-
-
-
5 113
unemployment
-
-
-
43
health
-
-
-
2 755
total
-
-
-
11 829
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.

39 756
-
24 226
-
unemployment
56
-
34
-
pensions
6 162
-
3 755
-
health
2 568
-
1 565
-
income
6 856
-
3 590
-
total
15 642
-
8 944
-
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.

39 756
-
24 226
-
health
2 648
-
1 612
-
unemployment
24
-
15
-
pensions
3 518
-
2 145
-
total
6 190
-
3 772
-
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
21 832
8 722
12 716
11 829
After tax
6 168
19 278
15 284
16 171
Living cost
24 114
24 114
24 114
24 114
Free-cash
-17 947
-4 837
-8 831
-7 944

Estimated living cost  is ₽24114 per week

₽16549
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1546
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽467
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5553
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽25575
-₽23308
-₽20993
-₽111408
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
5 458
social contributions
-
-
-
3 192
total
-
-
-
8 650
Employee
57 846
-
4 910
-
social contributions
4 743
-
676
-
income
12 760
-
932
-
total
17 503
-
1 608
-
Employer
57 846
-
4 910
-
social contributions
81 562
-
11 624
-
total
81 562
-
11 624
-
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
99 065
10 965
13 232
8 650
After tax
-71 065
17 035
14 768
19 350
Living cost
40 343
40 343
40 343
40 343
Free-cash
-111 408
-23 308
-25 575
-20 993

Estimated living cost  is ₽40343 per week

₽26176
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3794
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽514
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9858
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽11769
-₽12272
-₽11564
-₽23169
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
income
-
-
-
1 634
social contributions

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

-
-
-
9 730
surtax
-
-
-
-
total
-
-
-
11 364
Employee
41 349
-
22 626
-
surtax
-
-
-
-
social contributions
4 548
-
2 489
-
income
8 601
-
3 706
-
total
13 149
-
6 195
-
Employer
41 349
-
22 626
-
social contributions
9 820
-
5 374
-
total
9 820
-
5 374
-
Corporate
-
28 000
-
-
income
-
5 879
-
-
surtax
-
-
-
-
total
-
5 879
-
-
Dividends
-
22 121
-
-
withholding
-
6 193
-
-
total
-
6 193
-
-
Income
28 000
28 000
28 000
28 000
Total tax
22 969
12 072
11 569
11 364
After tax
5 031
15 928
16 431
16 636
Living cost
28 200
28 200
28 200
28 200
Free-cash
-23 169
-12 272
-11 769
-11 564

Estimated living cost  is ₽28200 per week

₽21099
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1663
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.
₽4966
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽25304
-₽29311
-₽26109
-₽45895
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
73
pensions
-
-
-
8 705
social contributions
-
-
-
798
other
-
-
-
868
health
-
-
-
242
surtax
-
-
-
-
total
-
-
-
10 686
Employee
56 309
-
21 336
-
surtax
-
-
-
-
pensions
6 369
-
2 414
-
social contributions
1 604
-
607
-
income
4 913
-
198
-
total
12 886
-
3 219
-
Employer
56 309
-
21 336
-
other
1 943
-
735
-
health
3 941
-
1 493
-
unemployment
2 281
-
863
-
social contributions
169
-
65
-
pensions
9 252
-
3 506
-
total
17 586
-
6 662
-
Corporate
-
28 000
-
-
income
-
7 840
-
-
surtax
-
-
-
-
total
-
7 840
-
-
Dividends
-
20 160
-
-
withholding
-
2 581
-
-
surtax
-
-
-
-
social contributions
-
3 467
-
-
total
-
6 048
-
-
Income
28 000
28 000
28 000
28 000
Total tax
30 472
13 888
9 881
10 686
After tax
-2 472
14 112
18 119
17 314
Living cost
43 423
43 423
43 423
43 423
Free-cash
-45 895
-29 311
-25 304
-26 109

Estimated living cost  is ₽43423 per week

₽29388
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3552
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽595
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9887
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽4359
-₽1825
-₽5184
-₽5383
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
-
social contributions
-
-
-
6 159
total
-
-
-
6 159
Employee
28 903
-
24 241
-
income
-
-
-
-
social contributions
1 878
-
1 575
-
total
1 878
-
1 575
-
Employer
28 903
-
24 241
-
social contributions
4 480
-
3 759
-
total
4 480
-
3 759
-
Corporate
-
28 000
-
-
income
-
2 800
-
-
total
-
2 800
-
-
Dividends
-
25 200
-
-
total
-
-
-
-
Income
28 000
28 000
28 000
28 000
Total tax
6 358
2 800
5 334
6 159
After tax
21 642
25 200
22 666
21 841
Living cost
27 025
27 025
27 025
27 025
Free-cash
-5 383
-1 825
-4 359
-5 184

Estimated living cost  is ₽27025 per week

₽17474
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2037
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽508
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7005
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽167529
-₽167529
-₽23530
-₽167529
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
pensions
-
-
-
778
labour market
-
-
-
2 178
municipal
-
-
-
3 326
national
-
-
-
2 028
total
-
-
-
8 310
Employee
182 421
182 421
182 421
-
municipal
38 846
38 846
38 846
-
labour market
14 573
14 573
14 573
-
pensions
259
259
259
-
national
22 286
22 286
22 286
-
total
75 964
75 964
75 964
-
Employer
182 421
182 421
182 421
-
municipal
38 907
38 907
38 907
-
national
22 325
22 325
22 325
-
labour market
14 594
14 594
14 594
-
pensions
519
519
519
-
total
76 345
76 345
76 345
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
28 000
28 000
28 000
28 000
Total tax
152 309
152 309
152 309
8 310
After tax
-124 309
-124 309
-124 309
19 690
Living cost
43 220
43 220
43 220
43 220
Free-cash
-167 529
-167 529
-167 529
-23 530

Estimated living cost  is ₽43220 per week

₽29580
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3823
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽665
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9152
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽4759
-₽17278
-₽1682
-₽9012
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
3 855
pensions
-
-
-
3 752
other
-
-
-
334
accident
-
-
-
228
health
-
-
-
1 967
total
-
-
-
10 136
Employee
30 747
-
23 259
-
pensions
3 462
-
2 619
-
health
3 521
-
2 663
-
income
4 218
-
3 191
-
total
11 201
-
8 473
-
Employer
30 747
-
23 259
-
accident
513
-
388
-
unemployment
753
-
570
-
pensions
4 999
-
3 782
-
total
6 265
-
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
17 466
25 732
13 213
10 136
After tax
10 534
2 268
14 787
17 864
Living cost
19 546
19 546
19 546
19 546
Free-cash
-9 012
-17 278
-4 759
-1 682

Estimated living cost  is ₽19546 per week

₽14227
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1114
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽367
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3837
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽16795
-₽15139
-₽11603
-₽28224
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
56
municipal
-
-
-
5 030
national
-
-
-
-
total
-
-
-
5 086
Employee
47 301
-
23 556
-
unemployment
710
-
353
-
municipal
7 747
-
3 890
-
pensions
3 192
-
1 590
-
health
353
-
-
-
national
781
-
-
-
total
12 783
-
5 833
-
Employer
47 301
-
23 556
-
accident
48
-
24
-
health
363
-
181
-
unemployment
307
-
154
-
pensions
8 206
-
4 086
-
total
8 924
-
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
-
-
municipal
-
3 023
-
-
national
-
-
-
-
total
-
3 023
-
-
Income
28 000
28 000
28 000
28 000
Total tax
21 707
8 622
10 278
5 086
After tax
6 293
19 378
17 722
22 914
Living cost
34 517
34 517
34 517
34 517
Free-cash
-28 224
-15 139
-16 795
-11 603

Estimated living cost  is ₽34517 per week

₽22546
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3320
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.
₽8102
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽5648
-₽13147
₽981
-₽6688
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
34 178
income
-
-
-
-
social contributions
-
-
-
5 332
health
-
-
-
872
total
-
-
-
6 204
Employee
69 133
69 133
69 133
-
social contributions
2 614
5 738
2 110
-
health
536
1 176
432
-
income
7 527
6 400
7 710
-
total
10 677
13 314
10 252
-
Employer
69 133
69 133
69 133
-
health
582
1 280
471
-
social contributions
2 614
5 738
2 110
-
total
3 196
7 018
2 581
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
28 000
28 000
28 000
28 000
Total tax
13 873
20 332
12 833
6 204
After tax
14 127
7 668
15 167
21 796
Living cost
20 815
20 815
20 815
20 815
Free-cash
-6 688
-13 147
-5 648
981

Estimated living cost  is ₽20815 per week

₽12475
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2042
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽461
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5838
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Larnaca model

Close
Podgorica , Montenegro
₽3215
₽8913
₽2954
₽4339
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
income
-
-
-
1 773
pensions
-
-
-
5 719
unemployment
-
-
-
26
health
-
-
-
3 254
total
-
-
-
10 772
Employee

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

20 636
-
25 386
-
unemployment
102
-
126
-
pensions
3 095
-
3 808
-
health
1 754
-
2 158
-
income
1 411
-
1 805
-
total
6 362
-
7 897
-
Employer

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

20 636
-
25 386
-
health
887
-
1 092
-
unemployment
102
-
126
-
pensions
1 135
-
1 396
-
total
2 124
-
2 614
-
Corporate
5 240
28 000
-
-
income
471
2 520
-
-
total
471
2 520
-
-
Dividends
4 769
25 480
-
-
withholding
430
2 293
-
-
total
430
2 293
-
-
Income
28 000
28 000
28 000
28 000
Total tax
9 387
4 813
10 511
10 772
After tax
18 613
23 187
17 489
17 228
Living cost
14 274
14 274
14 274
14 274
Free-cash
4 339
8 913
3 215
2 954

Estimated living cost  is ₽14274 per week

₽9107
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1029
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽425
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3713
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽11342
-₽5715
-₽8846
-₽15841
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
3 724
pensions
-
-
-
7 923
other
-
-
-
27
unemployment
-
-
-
196
accident
-
-
-
253
total
-
-
-
12 123
Employee
33 243
-
18 429
-
unemployment
515
-
466
-
pensions
1 563
-
1 411
-
other
32
-
31
-
income
6 409
-
3 139
-
total
8 519
-
5 047
-
Employer
33 243
-
18 429
-
accident
659
-
594
-
other
266
-
241
-
unemployment
1 829
-
1 652
-
pensions
7 845
-
7 085
-
total
10 599
-
9 572
-
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
-
4 792
-
-
total
-
4 792
-
-
Income
28 000
28 000
28 000
28 000
Total tax
19 118
8 992
14 619
12 123
After tax
8 882
19 008
13 381
15 877
Living cost
24 723
24 723
24 723
24 723
Free-cash
-15 841
-5 715
-11 342
-8 846

Estimated living cost  is ₽24723 per week

₽16687
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2377
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽433
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5226
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽15535
₽15865
₽15649
₽15603
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
8 722
pensions
-
-
-
1 172
health
-
-
-
850
total
-
-
-
10 744
Employee
2 448
-
26 681
-
unemployment
24
-
59
-
pensions
220
-
527
-
health
122
-
293
-
income
473
-
8 660
-
total
839
-
9 539
-
Employer
2 448
-
26 681
-
health
233
-
557
-
unemployment
49
-
117
-
pensions
269
-
645
-
total
551
-
1 319
-
Corporate
25 002
28 000
-
-
income
5 500
6 160
-
-
total
5 500
6 160
-
-
Dividends
19 501
21 840
-
-
withholding
3 900
4 368
-
-
total
3 900
4 368
-
-
Income
28 000
28 000
28 000
28 000
Total tax
10 790
10 528
10 858
10 744
After tax
17 210
17 472
17 142
17 256
Living cost
1 607
1 607
1 607
1 607
Free-cash
15 603
15 865
15 535
15 649

Estimated living cost  is ₽1607 per week

₽955
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽130
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽37
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽485
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽207
₽4709
-₽998
₽292
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
income
-
-
-
2 893
pensions
-
-
-
7 280
unemployment
-
-
-
420
health
-
-
-
2 884
total
-
-
-
13 477
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.

23 405
-
23 749
-
unemployment
176
-
178
-
pensions
3 277
-
3 325
-
health
1 205
-
1 223
-
income
3 226
-
3 295
-
total
7 884
-
8 021
-
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.

23 405
-
23 749
-
health
1 205
-
1 223
-
unemployment
176
-
178
-
pensions
2 809
-
2 850
-
total
4 190
-
4 251
-
Corporate
406
28 000
-
-
income
61
4 200
-
-
total
61
4 200
-
-
Dividends
345
23 800
-
-
withholding
52
3 570
-
-
total
52
3 570
-
-
Income
28 000
28 000
28 000
28 000
Total tax
12 187
7 770
12 272
13 477
After tax
15 813
20 230
15 728
14 523
Living cost
15 521
15 521
15 521
15 521
Free-cash
292
4 709
207
-998

Estimated living cost  is ₽15521 per week

₽10450
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1201
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽449
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3421
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽7807
-₽8310
-₽7602
-₽15182
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
income
-
-
-
1 634
social contributions

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

-
-
-
9 730
surtax
-
-
-
-
total
-
-
-
11 364
Employee
34 894
-
22 626
-
surtax
-
-
-
-
social contributions
3 839
-
2 489
-
income
6 818
-
3 706
-
total
10 657
-
6 195
-
Employer
34 894
-
22 626
-
social contributions
8 287
-
5 374
-
total
8 287
-
5 374
-
Corporate
-
28 000
-
-
income
-
5 879
-
-
surtax
-
-
-
-
total
-
5 879
-
-
Dividends
-
22 121
-
-
withholding
-
6 193
-
-
total
-
6 193
-
-
Income
28 000
28 000
28 000
28 000
Total tax
18 944
12 072
11 569
11 364
After tax
9 056
15 928
16 431
16 636
Living cost
24 238
24 238
24 238
24 238
Free-cash
-15 182
-8 310
-7 807
-7 602

Estimated living cost  is ₽24238 per week

₽17167
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1684
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.
₽4958
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽18216
-₽12589
-₽15720
-₽29266
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
3 724
pensions
-
-
-
7 923
other
-
-
-
27
unemployment
-
-
-
196
accident
-
-
-
253
total
-
-
-
12 123
Employee
43 420
-
18 429
-
unemployment
672
-
466
-
pensions
2 041
-
1 411
-
other
43
-
31
-
income
9 069
-
3 139
-
total
11 825
-
5 047
-
Employer
43 420
-
18 429
-
accident
860
-
594
-
other
348
-
241
-
unemployment
2 389
-
1 652
-
pensions
10 247
-
7 085
-
total
13 844
-
9 572
-
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
-
4 792
-
-
total
-
4 792
-
-
Income
28 000
28 000
28 000
28 000
Total tax
25 669
8 992
14 619
12 123
After tax
2 331
19 008
13 381
15 877
Living cost
31 597
31 597
31 597
31 597
Free-cash
-29 266
-12 589
-18 216
-15 720

Estimated living cost  is ₽31597 per week

₽22691
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2457
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.
₽6004
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽1972
₽8237
₽621
₽2672
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
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
health
-
-
-
3 220
total
-
-
-
11 676
Employee
20 793
-
23 407
-
pensions

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

1 825
-
2 055
-
health
957
-
1 077
-
accident

We are using the highest rate at 1.1%.

229
-
258
-
income
2 080
-
2 341
-
total
5 091
-
5 731
-
Employer
20 793
-
23 407
-
accident

We are using the highest rate at 1.1%.

229
-
258
-
health
1 435
-
1 616
-
unemployment
125
-
141
-
pensions

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

2 291
-
2 579
-
total
4 080
-
4 594
-
Corporate
3 128
28 000
-
-
income
313
2 800
-
-
total
313
2 800
-
-
Dividends
2 815
25 200
-
-
withholding
141
1 260
-
-
total
141
1 260
-
-
Income
28 000
28 000
28 000
28 000
Total tax
9 625
4 060
10 325
11 676
After tax
18 375
23 940
17 675
16 324
Living cost
15 703
15 703
15 703
15 703
Free-cash
2 672
8 237
1 972
621

Estimated living cost  is ₽15703 per week

₽10386
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽899
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽375
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4044
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽14004
-₽20084
-₽14004
-₽16733
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
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.

-
-
-
1 092
trade
-
-
-
-
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.

-
-
-
6 142
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.

-
-
-
60
total
-
-
-
7 294
Employee

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

44 733
-
28 000
-
surtax

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

203
-
60
-
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.

6 142
-
6 142
-
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.

3 678
-
1 092
-
total
10 023
-
7 294
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
28 000
-
-
income
-
4 200
-
-
trade
-
4 018
-
-
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.

-
230
-
-
chamber of commerce
-
177
-
-
total
-
8 625
-
-
Dividends
-
19 374
-
-
withholding
-
4 502
-
-
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
-
-
total
-
4 749
-
-
Income
28 000
28 000
28 000
28 000
Total tax
10 023
13 374
7 294
7 294
After tax
17 977
14 626
20 706
20 706
Living cost
34 710
34 710
34 710
34 710
Free-cash
-16 733
-20 084
-14 004
-14 004

Estimated living cost  is ₽34710 per week

₽23944
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3735
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.
₽6528
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽26921
-₽31613
-₽26921
-₽42327
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
2 784
social contributions
-
-
-
923
total
-
-
-
3 707
Employee
70 326
-
28 000
-
income
13 270
-
2 784
-
social contributions
5 843
-
923
-
total
19 113
-
3 707
-
Employer
70 326
-
28 000
-
total
-
-
-
-
Corporate
-
28 000
-
-
income
-
3 499
-
-
total
-
3 499
-
-
Dividends
-
24 501
-
-
withholding
-
4 900
-
-
total
-
4 900
-
-
Income
28 000
28 000
28 000
28 000
Total tax
19 113
8 399
3 707
3 707
After tax
8 887
19 601
24 293
24 293
Living cost
51 214
51 214
51 214
51 214
Free-cash
-42 327
-31 613
-26 921
-26 921

Estimated living cost  is ₽51214 per week

₽38963
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4173
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.
₽7589
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽10844
-₽17166
-₽35862
-₽20059
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
25 592
health

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

-
-
-
5 634
total
-
-
-
31 226
Employee
41 243
-
25 449
-
income
4 475
-
1 106
-
social contributions
4 132
-
2 551
-
total
8 607
-
3 657
-
Employer
41 243
-
25 449
-
social contributions
4 132
-
2 551
-
total
4 132
-
2 551
-
Corporate
-
28 000
-
-
income
-
9 800
-
-
total
-
9 800
-
-
Dividends
-
18 200
-
-
social contributions
2 684
2 730
-
-
total
2 684
2 730
-
-
Income
28 000
28 000
28 000
28 000
Total tax
15 423
12 530
6 208
31 226
After tax
12 577
15 470
21 792
-3 226
Living cost
32 636
32 636
32 636
32 636
Free-cash
-20 059
-17 166
-10 844
-35 862

Estimated living cost  is ₽32636 per week

₽21497
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2573
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽500
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8065
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽13939
-₽12489
-₽11881
-₽23453
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
5 397
pensions
-
-
-
1 016
total
-
-
-
6 413
Employee
45 939
-
25 668
-
pensions
3 506
-
1 074
-
health
599
-
183
-
income
8 366
-
4 883
-
total
12 471
-
6 140
-
Employer
45 939
-
25 668
-
health
873
-
488
-
pensions
4 641
-
1 843
-
total
5 514
-
2 331
-
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.

-
5 320
-
-
total
-
5 320
-
-
Dividends
-
22 680
-
-
withholding
-
1 701
-
-
total
-
1 701
-
-
Income
28 000
28 000
28 000
28 000
Total tax
17 985
7 021
8 471
6 413
After tax
10 015
20 979
19 529
21 587
Living cost
33 468
33 468
33 468
33 468
Free-cash
-23 453
-12 489
-13 939
-11 881

Estimated living cost  is ₽33468 per week

₽22958
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3078
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽419
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7011
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽6694
-₽19213
-₽3617
-₽12677
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
3 855
pensions
-
-
-
3 752
other
-
-
-
334
accident
-
-
-
228
health
-
-
-
1 967
total
-
-
-
10 136
Employee
33 791
-
23 259
-
pensions
3 805
-
2 619
-
health
3 869
-
2 663
-
income
4 636
-
3 191
-
total
12 310
-
8 473
-
Employer
33 791
-
23 259
-
accident
564
-
388
-
unemployment
828
-
570
-
pensions
5 494
-
3 782
-
total
6 886
-
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
19 196
25 732
13 213
10 136
After tax
8 804
2 268
14 787
17 864
Living cost
21 481
21 481
21 481
21 481
Free-cash
-12 677
-19 213
-6 694
-3 617

Estimated living cost  is ₽21481 per week

₽15765
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1252
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽433
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4032
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽5377
₽11677
₽5377
₽7313
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
pensions
-
-
-
5 152
unemployment
-
-
-
336
health insurance
-
-
-
2 072
work injury
-
-
-
140
total
-
-
-
10 500
Employee

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

19 397
-
28 000
-
unemployment
233
-
336
-
work injury
97
-
140
-
pensions
3 569
-
5 152
-
health insurance
1 435
-
2 072
-
income
1 940
-
2 800
-
total
7 274
-
10 500
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
8 603
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
8 603
28 000
-
-
withholding
1 290
4 200
-
-
total
1 290
4 200
-
-
Income
28 000
28 000
28 000
28 000
Total tax
8 564
4 200
10 500
10 500
After tax
19 436
23 800
17 500
17 500
Living cost
12 123
12 123
12 123
12 123
Free-cash
7 313
11 677
5 377
5 377

Estimated living cost  is ₽12123 per week

₽7510
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽881
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽378
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3353
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽22015
-₽21067
-₽20350
-₽47761
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
regional
-
-
-
360
social contributions
-
-
-
7 202
municipal
-
-
-
188
national
-
-
-
4 784
total
-
-
-
12 534
Employee
75 759
-
28 000
-
municipal
452
-
167
-
social contributions
25 546
-
9 442
-
regional
1 144
-
321
-
national
12 803
-
4 269
-
total
39 945
-
14 199
-
Employer
75 759
-
28 000
-
total
-
-
-
-
Corporate
-
28 000
-
-
nationa
-
6 720
-
-
municipal
-
1 350
-
-
total
-
8 070
-
-
Dividends
-
19 930
-
-
withholding
-
5 181
-
-
total
-
5 181
-
-
Income
28 000
28 000
28 000
28 000
Total tax
39 945
13 251
14 199
12 534
After tax
-11 945
14 749
13 801
15 466
Living cost
35 816
35 816
35 816
35 816
Free-cash
-47 761
-21 067
-22 015
-20 350

Estimated living cost  is ₽35816 per week

₽25158
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2464
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽541
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7652
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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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