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
₽ 28500
per

Your estimated
City
free-cash

Dresden , Germany
-₽15844
-₽9536
-₽9536
-₽9968
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
28 500
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.

-
-
-
666
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.

-
-
-
36
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.

-
-
-
6 871
trade
-
-
-
-
total
-
-
-
7 573
Employee

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

38 468
-
28 500
-
surtax

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

59
-
36
-
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.

1 075
-
666
-
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.

6 871
-
6 871
-
total
8 005
-
7 573
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
28 500
-
-
income
-
4 275
-
-
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.

-
235
-
-
chamber of commerce
-
193
-
-
trade
-
4 489
-
-
total
-
9 192
-
-
Dividends
-
19 308
-
-
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.

-
244
-
-
withholding
-
4 445
-
-
total
-
4 689
-
-
Income
28 500
28 500
28 500
28 500
Total tax
8 005
13 881
7 573
7 573
After tax
20 495
14 619
20 927
20 927
Living cost
30 463
30 463
30 463
30 463
Free-cash
-9 968
-15 844
-9 536
-9 536

Estimated living cost  is ₽30463 per week

₽19162
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.
₽569
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7180
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽35627
-₽33538
-₽33761
-₽61811
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
social contributions
-
-
-
306
municipal
-
-
-
2 010
national
-
-
-
3 114
pensions
-
-
-
3 420
total
-
-
-
8 850
Employee
82 797
-
24 638
-
municipal
10 227
-
2 120
-
pensions
3 312
-
986
-
national
15 847
-
3 285
-
total
29 386
-
6 391
-
Employer
82 797
-
24 638
-
pensions
6 624
-
1 971
-
social contributions
890
-
265
-
total
7 514
-
2 236
-
Corporate
-
28 500
-
-
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%.

-
5 700
-
-
total
-
5 700
-
-
Dividends
-
22 800
-
-
withholding
-
5 016
-
-
total
-
5 016
-
-
Income
28 500
28 500
28 500
28 500
Total tax
36 900
10 716
8 627
8 850
After tax
-8 400
17 784
19 873
19 650
Living cost
53 411
53 411
53 411
53 411
Free-cash
-61 811
-35 627
-33 538
-33 761

Estimated living cost  is ₽53411 per week

₽36303
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4965
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽799
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽11344
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽1877
-₽4572
₽135
-₽7967
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
28 500
income
-
-
-
-
surtax
-
-
-
-
social contributions

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

-
-
-
3 166
microenterprise
-
-
-
4 275
total
-
-
-
7 441
Employee
29 388
-
22 967
-
surtax
-
-
-
-
social contributions

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

3 233
-
2 527
-
income
5 231
-
4 088
-
total
8 464
-
6 615
-
Employer
29 388
-
22 967
-
social contributions

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

7 079
-
5 533
-
surtax
-
-
-
-
total
7 079
-
5 533
-
Corporate
-
28 500
-
-
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%.

-
5 699
-
-
total
-
5 699
-
-
Dividends

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

-
22 801
-
-
total
-
-
-
-
Income
28 500
28 500
28 500
28 500
Total tax
15 543
5 699
12 148
7 441
After tax
12 957
22 801
16 352
21 059
Living cost
20 924
20 924
20 924
20 924
Free-cash
-7 967
1 877
-4 572
135

Estimated living cost  is ₽20924 per week

₽13349
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1993
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽475
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5107
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽65727
-₽71373
-₽25701
-₽71373
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
income
-
-
-
2 565
health
-
-
-
4 374
pensions
-
-
-
5 130
total
-
-
-
12 069
Employee
85 887
85 887
85 887
-
pensions
15 460
11 784
15 460
-
income

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

14 058
14 058
14 058
-
health
13 183
11 213
13 183
-
total
42 701
37 055
42 701
-
Employer
85 887
85 887
85 887
-
health
5 970
5 970
5 970
-
pensions
5 978
5 978
5 978
-
unemployment
3 092
3 092
3 092
-
total
15 040
15 040
15 040
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
28 500
28 500
28 500
28 500
Total tax
57 741
52 095
57 741
12 069
After tax
-29 241
-23 595
-29 241
16 431
Living cost
42 132
42 132
42 132
42 132
Free-cash
-71 373
-65 727
-71 373
-25 701

Estimated living cost  is ₽42132 per week

₽29858
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3798
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽670
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7806
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Rotterdam model

Close
Stockholm , Sweden
-₽25645
-₽25987
-₽26999
-₽48663
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
accident
-
-
-
57
other
-
-
-
3 312
unemployment
-
-
-
28
health
-
-
-
1 778
municipal
-
-
-
6 037
national
-
-
-
-
pensions
-
-
-
3 081
total
-
-
-
14 293
Employee
58 715
-
21 686
-
municipal
17 509
-
6 467
-
national
-
-
-
-
total
17 509
-
6 467
-
Employer
58 715
-
21 686
-
health
3 611
-
1 334
-
pensions
6 347
-
2 344
-
accident
117
-
43
-
unemployment
1 550
-
573
-
other
6 823
-
2 520
-
total
18 448
-
6 814
-
Corporate
-
28 500
-
-
income
-
6 270
-
-
total
-
6 270
-
-
Dividends
-
22 230
-
-
withholding
-
6 669
-
-
total
-
6 669
-
-
Income
28 500
28 500
28 500
28 500
Total tax
35 957
12 939
13 281
14 293
After tax
-7 457
15 561
15 219
14 207
Living cost
41 206
41 206
41 206
41 206
Free-cash
-48 663
-25 645
-25 987
-26 999

Estimated living cost  is ₽41206 per week

₽27310
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4043
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽626
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9227
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽25038
-₽18583
-₽18583
-₽22503
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
28 500
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.

-
-
-
666
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.

-
-
-
36
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.

-
-
-
6 871
trade
-
-
-
-
total
-
-
-
7 573
Employee

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

51 004
-
28 500
-
surtax

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

240
-
36
-
income

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

4 382
-
666
-
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.

6 871
-
6 871
-
total
11 493
-
7 573
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
28 500
-
-
income
-
4 275
-
-
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.

-
235
-
-
chamber of commerce
-
193
-
-
trade
-
4 688
-
-
total
-
9 391
-
-
Dividends
-
19 110
-
-
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
-
-
withholding
-
4 395
-
-
total
-
4 637
-
-
Income
28 500
28 500
28 500
28 500
Total tax
11 493
14 028
7 573
7 573
After tax
17 007
14 472
20 927
20 927
Living cost
39 510
39 510
39 510
39 510
Free-cash
-22 503
-25 038
-18 583
-18 583

Estimated living cost  is ₽39510 per week

₽26424
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4166
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽590
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8329
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽26864
-₽18071
-₽11060
-₽21365
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
38 234
income
-
-
-
-
social contributions
-
-
-
5 964
health
-
-
-
975
total
-
-
-
6 939
Employee
77 337
77 337
77 337
-
social contributions
3 758
6 419
2 164
-
income
8 121
7 159
8 696
-
health
769
1 315
443
-
total
12 648
14 893
11 303
-
Employer
77 337
77 337
77 337
-
health
838
1 431
483
-
social contributions
3 758
6 419
2 164
-
total
4 596
7 850
2 647
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
28 500
28 500
28 500
28 500
Total tax
17 244
22 743
13 950
6 939
After tax
11 256
5 757
14 550
21 561
Living cost
32 621
32 621
32 621
32 621
Free-cash
-21 365
-26 864
-18 071
-11 060

Estimated living cost  is ₽32621 per week

₽22300
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2548
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽548
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7226
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽2130
-₽1934
₽1288
-₽3336
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
income
-
-
-
3 484
unemployment
-
-
-
428
health
-
-
-
1 995
pensions
-
-
-
2 850
total
-
-
-
8 757
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.

26 641
10 603
23 849
-
unemployment
400
159
358
-
pensions
2 664
1 060
2 385
-
income
3 257
1 296
2 916
-
health
1 865
742
1 669
-
total
8 186
3 257
7 328
-
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.

26 641
10 603
23 849
-
pensions
5 195
2 068
4 651
-
total
5 195
2 068
4 651
-
Corporate
-
15 830
-
-
income
-
1 425
-
-
total
-
1 425
-
-
Dividends
-
14 405
-
-
social contributions
-
2 688
-
-
withholding
-
2 737
-
-
total
-
5 425
-
-
Income
28 500
28 500
28 500
28 500
Total tax
13 381
12 175
11 979
8 757
After tax
15 119
16 325
16 521
19 743
Living cost
18 455
18 455
18 455
18 455
Free-cash
-3 336
-2 130
-1 934
1 288

Estimated living cost  is ₽18455 per week

₽12594
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1510
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽369
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3982
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽1491
-₽5576
-₽6726
-₽9676
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
income
-
-
-
1 529
health
-
-
-
3 705
pensions
-
-
-
5 699
total
-
-
-
10 933
Employee
28 531
-
21 301
-
unemployment
456
-
342
-
pensions
571
-
426
-
income
3 212
-
1 817
-
total
4 239
-
2 585
-
Employer
28 531
-
21 301
-
health
3 708
-
2 769
-
pensions
5 707
-
4 260
-
unemployment
229
-
170
-
total
9 644
-
7 199
-
Corporate
-
28 500
-
-
income
-
5 699
-
-
total
-
5 699
-
-
Dividends
-
22 801
-
-
total
-
-
-
-
Income
28 500
28 500
28 500
28 500
Total tax
13 883
5 699
9 784
10 933
After tax
14 617
22 801
18 716
17 567
Living cost
24 292
24 292
24 292
24 292
Free-cash
-9 676
-1 491
-5 576
-6 726

Estimated living cost  is ₽24292 per week

₽16662
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1447
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽489
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5695
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽20092
-₽7350
-₽4791
-₽13918
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
accident
-
-
-
257
income
-
-
-
3 800
other
-
-
-
377
health
-
-
-
2 221
pensions
-
-
-
4 236
total
-
-
-
10 891
Employee
35 237
-
23 675
-
pensions
3 968
-
2 666
-
income
4 834
-
3 248
-
health
4 035
-
2 711
-
total
12 837
-
8 625
-
Employer
35 237
-
23 675
-
pensions
5 730
-
3 850
-
accident
588
-
395
-
unemployment
863
-
580
-
total
7 181
-
4 825
-
Corporate
-
28 500
-
-
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.

-
25 650
-
-
total
-
25 650
-
-
Dividends
-
2 850
-
-
withholding
-
542
-
-
total
-
542
-
-
Income
28 500
28 500
28 500
28 500
Total tax
20 018
26 192
13 450
10 891
After tax
8 482
2 308
15 050
17 609
Living cost
22 400
22 400
22 400
22 400
Free-cash
-13 918
-20 092
-7 350
-4 791

Estimated living cost  is ₽22400 per week

₽16417
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1241
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽468
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4275
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽18935
₽14660
₽20075
₽17409
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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%.

-
-
-
28 500
microenterprise

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

-
-
-
285
total
-
-
-
285
Employee
10 174
-
28 500
-
income
2 035
-
5 700
-
total
2 035
-
5 700
-
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%.

18 326
28 500
-
-
total
-
-
-
-
Dividends
18 326
28 500
-
-
withholding
916
1 425
-
-
total
916
1 425
-
-
Income
28 500
28 500
28 500
28 500
Total tax
2 951
1 425
5 700
285
After tax
25 549
27 075
22 800
28 215
Living cost
8 140
8 140
8 140
8 140
Free-cash
17 409
18 935
14 660
20 075

Estimated living cost  is ₽8140 per week

₽5044
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽677
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽224
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2195
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽5860
-₽10094
-₽11367
-₽17224
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
income
-
-
-
3 621
other
-
-
-
1 353
health
-
-
-
1 254
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.

-
-
-
6 840
total
-
-
-
13 068
Employee
36 518
-
22 763
-
unemployment
365
-
227
-
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.

2 556
-
1 594
-
income
6 287
-
3 918
-
health
512
-
319
-
total
9 720
-
6 058
-
Employer
36 518
-
22 763
-
health
512
-
319
-
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.

6 209
-
3 871
-
accident
292
-
181
-
unemployment
365
-
227
-
other
1 827
-
1 139
-
total
9 205
-
5 737
-
Corporate
-
28 500
-
-
income
-
5 985
-
-
total
-
5 985
-
-
Dividends
-
22 515
-
-
withholding
-
1 576
-
-
total
-
1 576
-
-
Income
28 500
28 500
28 500
28 500
Total tax
18 925
7 561
11 795
13 068
After tax
9 575
20 939
16 705
15 432
Living cost
26 799
26 799
26 799
26 799
Free-cash
-17 224
-5 860
-10 094
-11 367

Estimated living cost  is ₽26799 per week

₽18935
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1809
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.
₽5623
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽45506
-₽46717
-₽44777
-₽79062
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
income
-
-
-
5 522
pensions
-
-
-
896
total
-
-
-
6 418
Employee
94 595
-
26 261
-
pensions
9 126
-
925
-
income
17 052
-
5 035
-
health
1 559
-
159
-
total
27 737
-
6 119
-
Employer
94 595
-
26 261
-
health
1 797
-
500
-
pensions
11 169
-
1 739
-
total
12 966
-
2 239
-
Corporate
-
28 500
-
-
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.

-
5 416
-
-
total
-
5 416
-
-
Dividends
-
23 084
-
-
withholding
-
1 731
-
-
total
-
1 731
-
-
Income
28 500
28 500
28 500
28 500
Total tax
40 703
7 147
8 358
6 418
After tax
-12 203
21 353
20 142
22 082
Living cost
66 859
66 859
66 859
66 859
Free-cash
-79 062
-45 506
-46 717
-44 777

Estimated living cost  is ₽66859 per week

₽50099
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽7856
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽544
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8362
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
₽11163
₽4789
₽3410
₽6484
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
income
-
-
-
4 275
unemployment
-
-
-
114
health
-
-
-
3 278
pensions

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

-
-
-
4 218
total
-
-
-
11 885
Employee
17 485
-
23 826
-
accident

We are using the highest rate at 1.1%.

193
-
262
-
pensions

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

1 535
-
2 092
-
income
1 748
-
2 382
-
health
804
-
1 095
-
total
4 280
-
5 831
-
Employer
17 485
-
23 826
-
health
1 207
-
1 644
-
pensions

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

1 927
-
2 626
-
accident

We are using the highest rate at 1.1%.

193
-
262
-
unemployment
105
-
143
-
total
3 432
-
4 675
-
Corporate
7 584
28 500
-
-
income
758
2 850
-
-
total
758
2 850
-
-
Dividends
6 826
25 650
-
-
withholding
341
1 282
-
-
total
341
1 282
-
-
Income
28 500
28 500
28 500
28 500
Total tax
8 811
4 132
10 506
11 885
After tax
19 689
24 368
17 994
16 615
Living cost
13 205
13 205
13 205
13 205
Free-cash
6 484
11 163
4 789
3 410

Estimated living cost  is ₽13205 per week

₽7709
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽943
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽350
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4203
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽79365
-₽85011
-₽39339
-₽81071
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
income
-
-
-
2 565
health
-
-
-
4 374
pensions
-
-
-
5 130
total
-
-
-
12 069
Employee
93 245
85 887
85 887
-
pensions
11 784
11 784
15 460
-
income

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

14 058
14 058
14 058
-
health
11 633
11 213
13 183
-
total
37 475
37 055
42 701
-
Employer
93 245
85 887
85 887
-
health
6 480
5 970
5 970
-
pensions
6 489
5 978
5 978
-
unemployment
3 357
3 092
3 092
-
total
16 326
15 040
15 040
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
28 500
28 500
28 500
28 500
Total tax
53 801
52 095
57 741
12 069
After tax
-25 301
-23 595
-29 241
16 431
Living cost
55 770
55 770
55 770
55 770
Free-cash
-81 071
-79 365
-85 011
-39 339

Estimated living cost  is ₽55770 per week

₽41140
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4981
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽639
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9010
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Amsterdam model

Close
Brno , Czech Republic
-₽5371
-₽10529
-₽11112
-₽20752
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
income
-
-
-
2 450
social contributions
-
-
-
8 322
solidarity contribution
-
-
-
-
health
-
-
-
3 847
total
-
-
-
14 619
Employee
36 754
-
21 269
-
solidarity contribution
-
-
-
-
social contributions
2 389
-
1 382
-
income
4 411
-
2 552
-
health
4 962
-
2 871
-
total
11 762
-
6 805
-
Employer
36 754
-
21 269
-
health
3 308
-
1 914
-
social contributions
9 189
-
5 317
-
total
12 497
-
7 231
-
Corporate
-
28 500
-
-
income
-
5 415
-
-
total
-
5 415
-
-
Dividends
-
23 085
-
-
withholding
-
3 463
-
-
total
-
3 463
-
-
Income
28 500
28 500
28 500
28 500
Total tax
24 259
8 878
14 036
14 619
After tax
4 241
19 622
14 464
13 881
Living cost
24 993
24 993
24 993
24 993
Free-cash
-20 752
-5 371
-10 529
-11 112

Estimated living cost  is ₽24993 per week

₽17360
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1778
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽492
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5363
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽27232
-₽28735
-₽26916
-₽60884
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
social contributions
-
-
-
7 795
regional
-
-
-
254
municipal
-
-
-
166
national
-
-
-
4 762
total
-
-
-
12 977
Employee
89 385
-
28 500
-
municipal
473
-
147
-
national
15 488
-
4 205
-
regional
843
-
225
-
social contributions
30 141
-
10 219
-
total
46 945
-
14 796
-
Employer
89 385
-
28 500
-
total
-
-
-
-
Corporate
-
28 500
-
-
municipal
-
1 111
-
-
nationa
-
6 840
-
-
total
-
7 951
-
-
Dividends
-
20 549
-
-
withholding
-
5 342
-
-
total
-
5 342
-
-
Income
28 500
28 500
28 500
28 500
Total tax
46 945
13 293
14 796
12 977
After tax
-18 445
15 207
13 704
15 523
Living cost
42 439
42 439
42 439
42 439
Free-cash
-60 884
-27 232
-28 735
-26 916

Estimated living cost  is ₽42439 per week

₽29583
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2783
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽651
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9421
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽4266
-₽6404
-₽5753
-₽11761
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
income
-
-
-
4 109
other
-
-
-
-
surtax
-
-
-
-
unemployment
-
-
-
229
health
-
-
-
2 023
pensions
-
-
-
5 699
total
-
-
-
12 060
Employee
33 259
-
23 545
-
other
-
-
-
-
unemployment
2 315
-
1 639
-
pensions
2 218
-
1 571
-
surtax
109
-
-
-
income
5 575
-
3 947
-
health
849
-
599
-
total
11 066
-
7 756
-
Employer
33 259
-
23 545
-
health
1 514
-
1 071
-
pensions
4 434
-
3 138
-
unemployment
1 054
-
746
-
other
-
-
-
-
total
7 002
-
4 955
-
Corporate
-
28 500
-
-
income
-
7 409
-
-
total
-
7 409
-
-
Dividends
-
21 091
-
-
withholding
-
3 164
-
-
total
-
3 164
-
-
Income
28 500
28 500
28 500
28 500
Total tax
18 068
10 573
12 711
12 060
After tax
10 432
17 927
15 789
16 440
Living cost
22 193
22 193
22 193
22 193
Free-cash
-11 761
-4 266
-6 404
-5 753

Estimated living cost  is ₽22193 per week

₽13570
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2048
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.
₽6064
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽24323
-₽25534
-₽23594
-₽42962
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
income
-
-
-
5 522
pensions
-
-
-
896
total
-
-
-
6 418
Employee
63 395
-
26 261
-
pensions
5 381
-
925
-
income
11 418
-
5 035
-
health
920
-
159
-
total
17 719
-
6 119
-
Employer
63 395
-
26 261
-
health
1 204
-
500
-
pensions
6 863
-
1 739
-
total
8 067
-
2 239
-
Corporate
-
28 500
-
-
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.

-
5 416
-
-
total
-
5 416
-
-
Dividends
-
23 084
-
-
withholding
-
1 731
-
-
total
-
1 731
-
-
Income
28 500
28 500
28 500
28 500
Total tax
25 786
7 147
8 358
6 418
After tax
2 714
21 353
20 142
22 082
Living cost
45 676
45 676
45 676
45 676
Free-cash
-42 962
-24 323
-25 534
-23 594

Estimated living cost  is ₽45676 per week

₽34220
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3424
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.
₽7554
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽66713
-₽58213
-₽55239
-₽73713
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
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.

-
-
-
569
regional
-
-
-
244
health
-
-
-
260
city
-
-
-
299
national
-
-
-
-
pensions
-
-
-
2 622
total
-
-
-
3 994
Employee
93 322
-
24 699
-
unemployment
-
-
-
-
pensions
7 840
-
2 978
-
national
442
-
-
-
regional
3 056
-
154
-
city
1 002
-
254
-
health
211
-
55
-
total
12 551
-
3 441
-
Employer
93 322
-
24 699
-
health
211
-
55
-
pensions
7 840
-
2 978
-
unemployment
-
-
-
-
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.

1 866
-
494
-
total
9 917
-
3 527
-
Corporate
-
28 500
-
-
regional
-
6 028
-
-
national
-
2 423
-
-
total
-
8 451
-
-
Dividends
-
20 049
-
-
withholding
-
7 017
-
-
total
-
7 017
-
-
Income
28 500
28 500
28 500
28 500
Total tax
22 468
15 468
6 968
3 994
After tax
6 032
13 032
21 532
24 506
Living cost
79 745
79 745
79 745
79 745
Free-cash
-73 713
-66 713
-58 213
-55 239

Estimated living cost  is ₽79745 per week

₽51857
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽7156
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽979
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽19752
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽31750
-₽25147
-₽25147
-₽31944
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
28 500
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.

-
-
-
666
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.

-
-
-
36
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.

-
-
-
6 871
trade
-
-
-
-
total
-
-
-
7 573
Employee

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

60 444
-
28 500
-
surtax

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

391
-
36
-
income

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

7 108
-
666
-
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.

6 871
-
6 871
-
total
14 370
-
7 573
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
28 500
-
-
income
-
4 275
-
-
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.

-
235
-
-
chamber of commerce
-
193
-
-
trade
-
4 888
-
-
total
-
9 591
-
-
Dividends
-
18 909
-
-
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
-
-
withholding
-
4 346
-
-
total
-
4 585
-
-
Income
28 500
28 500
28 500
28 500
Total tax
14 370
14 176
7 573
7 573
After tax
14 130
14 324
20 927
20 927
Living cost
46 074
46 074
46 074
46 074
Free-cash
-31 944
-31 750
-25 147
-25 147

Estimated living cost  is ₽46074 per week

₽33650
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3685
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.
₽8140
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽20045
-₽15765
-₽16877
-₽27987
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
income
-
-
-
-
other
-
-
-
884
surtax
-
-
-
-
social contributions
-
-
-
811
health
-
-
-
269
pensions
-
-
-
9 003
total
-
-
-
10 967
Employee
43 044
-
21 717
-
pensions
4 867
-
2 456
-
surtax
-
-
-
-
social contributions
1 227
-
618
-
income
2 540
-
-
-
total
8 634
-
3 074
-
Employer
43 044
-
21 717
-
health
3 014
-
1 519
-
pensions
7 071
-
3 567
-
unemployment
1 743
-
880
-
social contributions
130
-
65
-
other
1 485
-
750
-
total
13 443
-
6 781
-
Corporate
-
28 500
-
-
income
-
7 980
-
-
surtax
-
-
-
-
total
-
7 980
-
-
Dividends
-
20 520
-
-
surtax
-
-
-
-
social contributions
-
3 529
-
-
withholding
-
2 626
-
-
total
-
6 155
-
-
Income
28 500
28 500
28 500
28 500
Total tax
22 077
14 135
9 855
10 967
After tax
6 423
14 365
18 645
17 533
Living cost
34 410
34 410
34 410
34 410
Free-cash
-27 987
-20 045
-15 765
-16 877

Estimated living cost  is ₽34410 per week

₽21697
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2798
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽586
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9331
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽16636
-₽12356
-₽13468
-₽21924
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
income
-
-
-
-
other
-
-
-
884
surtax
-
-
-
-
social contributions
-
-
-
811
health
-
-
-
269
pensions
-
-
-
9 003
total
-
-
-
10 967
Employee
38 423
-
21 717
-
pensions
4 346
-
2 456
-
surtax
-
-
-
-
social contributions
1 096
-
618
-
income
1 981
-
-
-
total
7 423
-
3 074
-
Employer
38 423
-
21 717
-
health
2 689
-
1 519
-
pensions
6 314
-
3 567
-
unemployment
1 556
-
880
-
social contributions
115
-
65
-
other
1 326
-
750
-
total
12 000
-
6 781
-
Corporate
-
28 500
-
-
income
-
7 980
-
-
surtax
-
-
-
-
total
-
7 980
-
-
Dividends
-
20 520
-
-
surtax
-
-
-
-
social contributions
-
3 529
-
-
withholding
-
2 626
-
-
total
-
6 155
-
-
Income
28 500
28 500
28 500
28 500
Total tax
19 423
14 135
9 855
10 967
After tax
9 077
14 365
18 645
17 533
Living cost
31 001
31 001
31 001
31 001
Free-cash
-21 924
-16 636
-12 356
-13 468

Estimated living cost  is ₽31001 per week

₽17979
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3149
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽588
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9285
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽3941
-₽3149
-₽3025
-₽8243
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
income
-
-
-
4 275
social contributions
-
-
-
3 934
health
-
-
-
1 989
total
-
-
-
10 198
Employee
34 101
-
28 500
-
social contributions
4 707
-
3 934
-
income
5 688
-
4 399
-
health
2 380
-
1 989
-
total
12 775
-
10 322
-
Employer
34 101
-
28 500
-
total
-
-
-
-
Corporate
-
28 500
-
-
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%.

-
1 426
-
-
total
-
1 426
-
-
Dividends
-
27 074
-
-
social contributions
1 754
3 737
-
-
withholding
-
4 061
-
-
health
887
1 890
-
-
total
2 641
9 688
-
-
Income
28 500
28 500
28 500
28 500
Total tax
15 416
11 114
10 322
10 198
After tax
13 084
17 386
18 178
18 302
Living cost
21 327
21 327
21 327
21 327
Free-cash
-8 243
-3 941
-3 149
-3 025

Estimated living cost  is ₽21327 per week

₽14272
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1315
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽491
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5247
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽29839
-₽26620
-₽20874
-₽37379
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
income
-
-
-
-
surtax
-
-
-
198
unemployment
-
-
-
6 169
chamber of commerce
-
-
-
115
health
-
-
-
2 180
pensions
-
-
-
5 273
total
-
-
-
13 935
Employee
50 263
40 080
40 080
-
other
502
401
208
-
unemployment
1 508
1 202
626
-
pensions
5 147
4 103
2 140
-
income
5 722
2 956
4 020
-
health
1 945
1 552
809
-
total
14 824
10 214
7 803
-
Employer
50 263
40 080
40 080
-
chamber of commerce
200
160
160
-
health
1 899
1 515
790
-
pensions
6 308
5 031
2 622
-
accident
653
521
271
-
unemployment
1 508
1 202
626
-
surtax
198
198
198
-
payroll
1 508
1 202
1 202
-
other
2 388
1 903
1 741
-
total
14 662
11 732
7 610
-
Corporate
3 817
3 817
17 071
-
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.

954
954
4 268
-
total
954
954
4 268
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
28 500
28 500
28 500
28 500
Total tax
30 440
22 900
19 681
13 935
After tax
-1 940
5 600
8 819
14 565
Living cost
35 439
35 439
35 439
35 439
Free-cash
-37 379
-29 839
-26 620
-20 874

Estimated living cost  is ₽35439 per week

₽23636
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3023
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.
₽8197
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽20425
-₽23432
-₽17787
-₽64384
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
communal

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

-
-
-
1 678
social contributions
-
-
-
553
national
-
-
-
7 385
total
-
-
-
9 616
Employee

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

71 942
-
22 072
-
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.

626
-
193
-
communal

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

3 752
-
1 151
-
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.

5 396
-
1 655
-
national
22 118
-
4 796
-
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.

3 380
-
1 038
-
total
35 272
-
8 833
-
Employer

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

71 942
-
22 072
-
health

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

4 424
-
1 357
-
pensions

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

6 375
-
1 956
-
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.

935
-
288
-
unemployment

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

1 050
-
323
-
surtax
8 157
-
2 504
-
total
20 941
-
6 428
-
Corporate
-
28 500
-
-
income
-
5 699
-
-
surtax
-
115
-
-
total
-
5 814
-
-
Dividends
-
22 686
-
-
withholding

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

-
6 440
-
-
total
-
6 440
-
-
Income
28 500
28 500
28 500
28 500
Total tax
56 213
12 254
15 261
9 616
After tax
-27 713
16 246
13 239
18 884
Living cost
36 671
36 671
36 671
36 671
Free-cash
-64 384
-20 425
-23 432
-17 787

Estimated living cost  is ₽36671 per week

₽23621
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3206
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽574
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9270
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽16954
-₽23637
-₽20163
-₽37523
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
accident
-
-
-
256
income
-
-
-
3 790
other
-
-
-
29
unemployment
-
-
-
200
pensions
-
-
-
8 066
total
-
-
-
12 341
Employee
50 064
-
17 793
-
other
50
-
34
-
unemployment
777
-
521
-
pensions
2 353
-
1 578
-
income
10 563
-
2 975
-
total
13 743
-
5 108
-
Employer
50 064
-
17 793
-
pensions
11 814
-
7 926
-
accident
991
-
664
-
unemployment
2 754
-
1 848
-
other
399
-
269
-
total
15 958
-
10 707
-
Corporate
-
28 500
-
-
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.

-
4 275
-
-
total
-
4 275
-
-
Dividends
-
24 225
-
-
withholding
-
4 857
-
-
total
-
4 857
-
-
Income
28 500
28 500
28 500
28 500
Total tax
29 701
9 132
15 815
12 341
After tax
-1 201
19 368
12 685
16 159
Living cost
36 322
36 322
36 322
36 322
Free-cash
-37 523
-16 954
-23 637
-20 163

Estimated living cost  is ₽36322 per week

₽26747
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2577
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽523
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6474
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽35157
-₽39013
-₽39010
-₽56763
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
communal
-
-
-
-
accident
-
-
-
431
income
-
-
-
-
surtax
-
-
-
1 178
health
-
-
-
3 588
pensions
-
-
-
7 657
total
-
-
-
12 854
Employee
76 164
-
22 780
-
pensions
6 092
-
3 829
-
surtax
4 668
-
1 178
-
income
7 357
-
-
-
health
3 390
-
2 130
-
total
21 507
-
7 137
-
Employer
76 164
-
22 780
-
health
2 323
-
1 460
-
pensions
6 092
-
3 829
-
accident
685
-
431
-
total
9 100
-
5 720
-
Corporate
-
28 500
-
-
communal
-
-
-
-
income
-
4 275
-
-
surtax
-
300
-
-
total
-
4 575
-
-
Dividends
-
23 925
-
-
income
-
838
-
-
withholding
-
3 588
-
-
total
-
4 426
-
-
Income
28 500
28 500
28 500
28 500
Total tax
30 607
9 001
12 857
12 854
After tax
-2 107
19 499
15 643
15 646
Living cost
54 656
54 656
54 656
54 656
Free-cash
-56 763
-35 157
-39 013
-39 010

Estimated living cost  is ₽54656 per week

₽41000
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3311
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽578
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9764
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽4663
-₽6801
-₽6150
-₽12501
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
income
-
-
-
4 109
other
-
-
-
-
surtax
-
-
-
-
unemployment
-
-
-
229
health
-
-
-
2 023
pensions
-
-
-
5 699
total
-
-
-
12 060
Employee
33 870
-
23 545
-
other
-
-
-
-
unemployment
2 357
-
1 639
-
pensions
2 260
-
1 571
-
surtax
120
-
-
-
income
5 678
-
3 947
-
health
865
-
599
-
total
11 280
-
7 756
-
Employer
33 870
-
23 545
-
health
1 540
-
1 071
-
pensions
4 516
-
3 138
-
unemployment
1 075
-
746
-
other
-
-
-
-
total
7 131
-
4 955
-
Corporate
-
28 500
-
-
income
-
7 409
-
-
total
-
7 409
-
-
Dividends
-
21 091
-
-
withholding
-
3 164
-
-
total
-
3 164
-
-
Income
28 500
28 500
28 500
28 500
Total tax
18 411
10 573
12 711
12 060
After tax
10 089
17 927
15 789
16 440
Living cost
22 590
22 590
22 590
22 590
Free-cash
-12 501
-4 663
-6 801
-6 150

Estimated living cost  is ₽22590 per week

₽13639
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1964
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.
₽6464
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽12113
-₽13534
-₽11736
-₽27292
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
social contributions
-
-
-
7 795
regional
-
-
-
420
municipal
-
-
-
166
national
-
-
-
4 762
total
-
-
-
13 143
Employee
55 790
-
28 500
-
municipal
296
-
147
-
national
8 839
-
4 205
-
regional
751
-
370
-
social contributions
18 813
-
10 219
-
total
28 699
-
14 941
-
Employer
55 790
-
28 500
-
total
-
-
-
-
Corporate
-
28 500
-
-
municipal
-
1 416
-
-
nationa
-
6 840
-
-
total
-
8 256
-
-
Dividends
-
20 243
-
-
withholding
-
5 264
-
-
total
-
5 264
-
-
Income
28 500
28 500
28 500
28 500
Total tax
28 699
13 520
14 941
13 143
After tax
-199
14 980
13 559
15 357
Living cost
27 093
27 093
27 093
27 093
Free-cash
-27 292
-12 113
-13 534
-11 736

Estimated living cost  is ₽27093 per week

₽16849
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2745
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽464
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7035
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽11176
-₽16334
-₽16917
-₽32190
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
income
-
-
-
2 450
social contributions
-
-
-
8 322
solidarity contribution
-
-
-
-
health
-
-
-
3 847
total
-
-
-
14 619
Employee
45 291
-
21 269
-
solidarity contribution
-
-
-
-
social contributions
2 944
-
1 382
-
income
5 435
-
2 552
-
health
6 114
-
2 871
-
total
14 493
-
6 805
-
Employer
45 291
-
21 269
-
health
4 076
-
1 914
-
social contributions
11 323
-
5 317
-
total
15 399
-
7 231
-
Corporate
-
28 500
-
-
income
-
5 415
-
-
total
-
5 415
-
-
Dividends
-
23 085
-
-
withholding
-
3 463
-
-
total
-
3 463
-
-
Income
28 500
28 500
28 500
28 500
Total tax
29 892
8 878
14 036
14 619
After tax
-1 392
19 622
14 464
13 881
Living cost
30 798
30 798
30 798
30 798
Free-cash
-32 190
-11 176
-16 334
-16 917

Estimated living cost  is ₽30798 per week

₽22903
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1706
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽533
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5656
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽26289
-₽23168
-₽17324
-₽29071
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
income
-
-
-
-
surtax
-
-
-
-
unemployment
-
-
-
6 169
chamber of commerce
-
-
-
115
health
-
-
-
2 180
pensions
-
-
-
5 273
total
-
-
-
13 737
Employee
43 964
40 080
40 080
-
other
439
401
210
-
unemployment
1 319
1 202
632
-
pensions
4 502
4 103
2 157
-
income
3 916
2 956
4 010
-
health
1 701
1 552
815
-
total
11 877
10 214
7 824
-
Employer
43 964
40 080
40 080
-
chamber of commerce
176
160
160
-
health
1 662
1 515
796
-
pensions
5 518
5 031
2 641
-
accident
571
521
273
-
unemployment
1 319
1 202
632
-
surtax
-
-
-
-
payroll
1 319
1 202
1 202
-
other
2 088
1 903
1 743
-
total
12 653
11 534
7 447
-
Corporate
3 817
3 817
17 235
-
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.

954
954
4 310
-
total
954
954
4 310
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
28 500
28 500
28 500
28 500
Total tax
25 484
22 702
19 581
13 737
After tax
3 016
5 798
8 919
14 763
Living cost
32 087
32 087
32 087
32 087
Free-cash
-29 071
-26 289
-23 168
-17 324

Estimated living cost  is ₽32087 per week

₽19248
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3277
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽573
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8989
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽14391
₽10116
₽15531
₽12013
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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%.

-
-
-
28 500
microenterprise

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

-
-
-
285
total
-
-
-
285
Employee
15 855
-
28 500
-
income
3 171
-
5 700
-
total
3 171
-
5 700
-
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%.

12 645
28 500
-
-
total
-
-
-
-
Dividends
12 645
28 500
-
-
withholding
632
1 425
-
-
total
632
1 425
-
-
Income
28 500
28 500
28 500
28 500
Total tax
3 803
1 425
5 700
285
After tax
24 697
27 075
22 800
28 215
Living cost
12 684
12 684
12 684
12 684
Free-cash
12 013
14 391
10 116
15 531

Estimated living cost  is ₽12684 per week

₽8583
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽532
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.
₽3142
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽7353
-₽11270
-₽10364
-₽22900
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
28 500
income
-
-
-
3 837
unemployment
-
-
-
42
health
-
-
-
2 804
pensions
-
-
-
5 205
total
-
-
-
11 888
Employee

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

44 474
-
24 660
-
unemployment
63
-
34
-
pensions
6 894
-
3 823
-
income
7 670
-
3 503
-
health
2 872
-
1 594
-
total
17 499
-
8 954
-
Employer

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

44 474
-
24 660
-
health
2 962
-
1 643
-
pensions
3 936
-
2 182
-
unemployment
27
-
15
-
total
6 925
-
3 840
-
Corporate
-
28 500
-
-
income
-
5 415
-
-
total
-
5 415
-
-
Dividends
-
23 085
-
-
withholding
-
3 462
-
-
total
-
3 462
-
-
Income
28 500
28 500
28 500
28 500
Total tax
24 424
8 877
12 794
11 888
After tax
4 076
19 623
15 706
16 612
Living cost
26 976
26 976
26 976
26 976
Free-cash
-22 900
-7 353
-11 270
-10 364

Estimated living cost  is ₽26976 per week

₽18513
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1729
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽523
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6212
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽26664
-₽30119
-₽24307
-₽123557
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
income
-
-
-
5 555
social contributions
-
-
-
3 249
total
-
-
-
8 804
Employee
63 094
-
6 192
-
social contributions
5 174
-
737
-
income
13 917
-
1 200
-
total
19 091
-
1 937
-
Employer
63 094
-
6 192
-
social contributions
88 963
-
12 679
-
total
88 963
-
12 679
-
Corporate
-
28 500
-
-
income
-
6 270
-
-
total
-
6 270
-
-
Dividends
-
22 230
-
-
income
-
4 891
-
-
total
-
4 891
-
-
Income
28 500
28 500
28 500
28 500
Total tax
108 054
11 161
14 616
8 804
After tax
-79 554
17 339
13 884
19 696
Living cost
44 003
44 003
44 003
44 003
Free-cash
-123 557
-26 664
-30 119
-24 307

Estimated living cost  is ₽44003 per week

₽28551
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4138
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽561
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10753
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽15336
-₽14618
-₽14613
-₽28743
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
28 500
income
-
-
-
1 662
surtax
-
-
-
-
social contributions

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

-
-
-
9 904
total
-
-
-
11 566
Employee
46 257
-
23 030
-
surtax
-
-
-
-
social contributions
5 088
-
2 533
-
income
9 622
-
3 568
-
total
14 710
-
6 101
-
Employer
46 257
-
23 030
-
social contributions
10 986
-
5 470
-
total
10 986
-
5 470
-
Corporate
-
28 500
-
-
income
-
5 985
-
-
surtax
-
-
-
-
total
-
5 985
-
-
Dividends
-
22 515
-
-
withholding
-
6 304
-
-
total
-
6 304
-
-
Income
28 500
28 500
28 500
28 500
Total tax
25 696
12 289
11 571
11 566
After tax
2 804
16 211
16 929
16 934
Living cost
31 547
31 547
31 547
31 547
Free-cash
-28 743
-15 336
-14 618
-14 613

Estimated living cost  is ₽31547 per week

₽23604
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1861
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.
₽5556
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽34211
-₽29931
-₽31043
-₽54165
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
income
-
-
-
-
other
-
-
-
884
surtax
-
-
-
-
social contributions
-
-
-
811
health
-
-
-
269
pensions
-
-
-
9 003
total
-
-
-
10 967
Employee
62 992
-
21 717
-
pensions
7 125
-
2 456
-
surtax
-
-
-
-
social contributions
1 794
-
618
-
income
5 496
-
-
-
total
14 415
-
3 074
-
Employer
62 992
-
21 717
-
health
4 409
-
1 519
-
pensions
10 350
-
3 567
-
unemployment
2 552
-
880
-
social contributions
189
-
65
-
other
2 174
-
750
-
total
19 674
-
6 781
-
Corporate
-
28 500
-
-
income
-
7 980
-
-
surtax
-
-
-
-
total
-
7 980
-
-
Dividends
-
20 520
-
-
surtax
-
-
-
-
social contributions
-
3 529
-
-
withholding
-
2 626
-
-
total
-
6 155
-
-
Income
28 500
28 500
28 500
28 500
Total tax
34 089
14 135
9 855
10 967
After tax
-5 589
14 365
18 645
17 533
Living cost
48 576
48 576
48 576
48 576
Free-cash
-54 165
-34 211
-29 931
-31 043

Estimated living cost  is ₽48576 per week

₽32876
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3974
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽666
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽11060
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽4582
-₽7160
-₽8002
-₽8845
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
income
-
-
-
-
social contributions
-
-
-
6 270
total
-
-
-
6 270
Employee
32 334
-
24 675
-
income
-
-
-
-
social contributions
2 101
-
1 603
-
total
2 101
-
1 603
-
Employer
32 334
-
24 675
-
social contributions
5 012
-
3 825
-
total
5 012
-
3 825
-
Corporate
-
28 500
-
-
income
-
2 850
-
-
total
-
2 850
-
-
Dividends
-
25 650
-
-
total
-
-
-
-
Income
28 500
28 500
28 500
28 500
Total tax
7 113
2 850
5 428
6 270
After tax
21 387
25 650
23 072
22 230
Living cost
30 232
30 232
30 232
30 232
Free-cash
-8 845
-4 582
-7 160
-8 002

Estimated living cost  is ₽30232 per week

₽19548
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2279
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽569
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7837
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽190526
-₽190526
-₽28032
-₽190526
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
labour market
-
-
-
2 210
municipal
-
-
-
3 112
national
-
-
-
1 925
pensions
-
-
-
871
total
-
-
-
8 118
Employee
204 345
204 345
204 345
-
municipal
43 514
43 514
43 514
-
labour market
16 324
16 324
16 324
-
pensions
290
290
290
-
national
24 964
24 964
24 964
-
total
85 092
85 092
85 092
-
Employer
204 345
204 345
204 345
-
national
25 008
25 008
25 008
-
labour market
16 348
16 348
16 348
-
pensions
581
581
581
-
municipal
43 583
43 583
43 583
-
total
85 520
85 520
85 520
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
28 500
28 500
28 500
28 500
Total tax
170 612
170 612
170 612
8 118
After tax
-142 112
-142 112
-142 112
20 382
Living cost
48 414
48 414
48 414
48 414
Free-cash
-190 526
-190 526
-190 526
-28 032

Estimated living cost  is ₽48414 per week

₽33135
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4283
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽745
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10252
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽19762
-₽7020
-₽4461
-₽13293
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
accident
-
-
-
257
income
-
-
-
3 800
other
-
-
-
377
health
-
-
-
2 221
pensions
-
-
-
4 236
total
-
-
-
10 891
Employee
34 717
-
23 675
-
pensions
3 909
-
2 666
-
income
4 763
-
3 248
-
health
3 975
-
2 711
-
total
12 647
-
8 625
-
Employer
34 717
-
23 675
-
pensions
5 645
-
3 850
-
accident
580
-
395
-
unemployment
851
-
580
-
total
7 076
-
4 825
-
Corporate
-
28 500
-
-
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.

-
25 650
-
-
total
-
25 650
-
-
Dividends
-
2 850
-
-
withholding
-
542
-
-
total
-
542
-
-
Income
28 500
28 500
28 500
28 500
Total tax
19 723
26 192
13 450
10 891
After tax
8 777
2 308
15 050
17 609
Living cost
22 070
22 070
22 070
22 070
Free-cash
-13 293
-19 762
-7 020
-4 461

Estimated living cost  is ₽22070 per week

₽16064
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1258
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.
₽4333
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽18891
-₽20576
-₽15258
-₽34398
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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

-
-
-
28 500
health
-
-
-
19
municipal
-
-
-
5 126
national
-
-
-
-
total
-
-
-
5 145
Employee
52 914
-
23 975
-
municipal
8 667
-
3 960
-
unemployment
794
-
359
-
pensions
3 571
-
1 618
-
national
874
-
-
-
health
395
-
-
-
total
14 301
-
5 937
-
Employer
52 914
-
23 975
-
health
407
-
185
-
pensions
9 180
-
4 159
-
accident
53
-
25
-
unemployment
344
-
157
-
total
9 984
-
4 526
-
Corporate
-
28 500
-
-
income
-
5 699
-
-
total
-
5 699
-
-
Dividends

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

-
17 101
-
-
municipal
-
3 079
-
-
national
-
-
-
-
total
-
3 079
-
-
Income
28 500
28 500
28 500
28 500
Total tax
24 285
8 778
10 463
5 145
After tax
4 215
19 722
18 037
23 355
Living cost
38 613
38 613
38 613
38 613
Free-cash
-34 398
-18 891
-20 576
-15 258

Estimated living cost  is ₽38613 per week

₽25222
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3714
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽615
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9064
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽17529
-₽8736
-₽1725
-₽10305
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
38 234
income
-
-
-
-
social contributions
-
-
-
5 964
health
-
-
-
975
total
-
-
-
6 939
Employee
77 337
77 337
77 337
-
social contributions
2 924
6 419
2 164
-
income
8 421
7 159
8 696
-
health
599
1 315
443
-
total
11 944
14 893
11 303
-
Employer
77 337
77 337
77 337
-
health
651
1 431
483
-
social contributions
2 924
6 419
2 164
-
total
3 575
7 850
2 647
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
28 500
28 500
28 500
28 500
Total tax
15 519
22 743
13 950
6 939
After tax
12 981
5 757
14 550
21 561
Living cost
23 286
23 286
23 286
23 286
Free-cash
-10 305
-17 529
-8 736
-1 725

Estimated living cost  is ₽23286 per week

₽13956
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2285
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽515
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6531
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽7633
₽1862
₽793
₽2518
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
28 500
income
-
-
-
1 672
unemployment
-
-
-
29
health
-
-
-
3 640
pensions
-
-
-
6 398
total
-
-
-
11 739
Employee

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

23 085
-
25 838
-
unemployment
115
-
130
-
pensions
3 462
-
3 876
-
income
1 578
-
1 804
-
health
1 962
-
2 197
-
total
7 117
-
8 007
-
Employer

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

23 085
-
25 838
-
health
992
-
1 111
-
pensions
1 269
-
1 422
-
unemployment
115
-
130
-
total
2 376
-
2 663
-
Corporate
3 038
28 500
-
-
income
273
2 565
-
-
total
273
2 565
-
-
Dividends
2 766
25 935
-
-
withholding
248
2 334
-
-
total
248
2 334
-
-
Income
28 500
28 500
28 500
28 500
Total tax
10 014
4 899
10 670
11 739
After tax
18 486
23 601
17 830
16 761
Living cost
15 968
15 968
15 968
15 968
Free-cash
2 518
7 633
1 862
793

Estimated living cost  is ₽15968 per week

₽10188
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1151
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽475
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4153
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽8289
-₽14972
-₽11498
-₽20544
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
accident
-
-
-
256
income
-
-
-
3 790
other
-
-
-
29
unemployment
-
-
-
200
pensions
-
-
-
8 066
total
-
-
-
12 341
Employee
37 188
-
17 793
-
other
36
-
34
-
unemployment
576
-
521
-
pensions
1 748
-
1 578
-
income
7 170
-
2 975
-
total
9 530
-
5 108
-
Employer
37 188
-
17 793
-
pensions
8 776
-
7 926
-
accident
737
-
664
-
unemployment
2 046
-
1 848
-
other
298
-
269
-
total
11 857
-
10 707
-
Corporate
-
28 500
-
-
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.

-
4 275
-
-
total
-
4 275
-
-
Dividends
-
24 225
-
-
withholding
-
4 857
-
-
total
-
4 857
-
-
Income
28 500
28 500
28 500
28 500
Total tax
21 387
9 132
15 815
12 341
After tax
7 113
19 368
12 685
16 159
Living cost
27 657
27 657
27 657
27 657
Free-cash
-20 544
-8 289
-14 972
-11 498

Estimated living cost  is ₽27657 per week

₽18668
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2659
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽485
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5846
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽15825
₽15276
₽15415
₽15504
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
income
-
-
-
8 661
health
-
-
-
1 036
pensions
-
-
-
1 429
total
-
-
-
11 126
Employee
2 983
-
26 893
-
unemployment
30
-
71
-
pensions
268
-
643
-
income
577
-
8 586
-
health
149
-
357
-
total
1 024
-
9 657
-
Employer
2 983
-
26 893
-
health
283
-
679
-
pensions
328
-
786
-
unemployment
60
-
143
-
total
671
-
1 608
-
Corporate
24 846
28 500
-
-
income
5 466
6 270
-
-
total
5 466
6 270
-
-
Dividends
19 380
22 230
-
-
withholding
3 876
4 446
-
-
total
3 876
4 446
-
-
Income
28 500
28 500
28 500
28 500
Total tax
11 037
10 716
11 265
11 126
After tax
17 463
17 784
17 235
17 374
Living cost
1 959
1 959
1 959
1 959
Free-cash
15 504
15 825
15 276
15 415

Estimated living cost  is ₽1959 per week

₽1164
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽159
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽45
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽591
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽3198
-₽1234
-₽2461
-₽2423
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
28 500
income
-
-
-
2 795
unemployment
-
-
-
428
health
-
-
-
2 935
pensions
-
-
-
7 410
total
-
-
-
13 568
Employee

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

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

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

26 227
-
24 173
-
unemployment
197
-
181
-
pensions
3 672
-
3 384
-
income
3 615
-
3 204
-
health
1 351
-
1 245
-
total
8 835
-
8 014
-
Employer

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

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

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

26 227
-
24 173
-
health
1 351
-
1 245
-
pensions
3 147
-
2 901
-
unemployment
197
-
181
-
total
4 695
-
4 327
-
Corporate
-
28 500
-
-
income
-
4 275
-
-
total
-
4 275
-
-
Dividends
-
24 225
-
-
withholding
-
3 634
-
-
total
-
3 634
-
-
Income
28 500
28 500
28 500
28 500
Total tax
13 530
7 909
12 341
13 568
After tax
14 970
20 591
16 159
14 932
Living cost
17 393
17 393
17 393
17 393
Free-cash
-2 423
3 198
-1 234
-2 461

Estimated living cost  is ₽17393 per week

₽11711
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1345
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.
₽3834
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽10903
-₽10185
-₽10180
-₽19805
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
28 500
income
-
-
-
1 662
surtax
-
-
-
-
social contributions

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

-
-
-
9 904
total
-
-
-
11 566
Employee
39 035
-
23 030
-
surtax
-
-
-
-
social contributions
4 294
-
2 533
-
income
7 627
-
3 568
-
total
11 921
-
6 101
-
Employer
39 035
-
23 030
-
social contributions
9 270
-
5 470
-
total
9 270
-
5 470
-
Corporate
-
28 500
-
-
income
-
5 985
-
-
surtax
-
-
-
-
total
-
5 985
-
-
Dividends
-
22 515
-
-
withholding
-
6 304
-
-
total
-
6 304
-
-
Income
28 500
28 500
28 500
28 500
Total tax
21 191
12 289
11 571
11 566
After tax
7 309
16 211
16 929
16 934
Living cost
27 114
27 114
27 114
27 114
Free-cash
-19 805
-10 903
-10 185
-10 180

Estimated living cost  is ₽27114 per week

₽19204
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1884
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽481
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5546
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽15978
-₽22661
-₽19187
-₽35560
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
accident
-
-
-
256
income
-
-
-
3 790
other
-
-
-
29
unemployment
-
-
-
200
pensions
-
-
-
8 066
total
-
-
-
12 341
Employee
48 573
-
17 793
-
other
48
-
34
-
unemployment
752
-
521
-
pensions
2 283
-
1 578
-
income
10 145
-
2 975
-
total
13 228
-
5 108
-
Employer
48 573
-
17 793
-
pensions
11 463
-
7 926
-
accident
962
-
664
-
unemployment
2 672
-
1 848
-
other
389
-
269
-
total
15 486
-
10 707
-
Corporate
-
28 500
-
-
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.

-
4 275
-
-
total
-
4 275
-
-
Dividends
-
24 225
-
-
withholding
-
4 857
-
-
total
-
4 857
-
-
Income
28 500
28 500
28 500
28 500
Total tax
28 714
9 132
15 815
12 341
After tax
-214
19 368
12 685
16 159
Living cost
35 346
35 346
35 346
35 346
Free-cash
-35 560
-15 978
-22 661
-19 187

Estimated living cost  is ₽35346 per week

₽25384
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2748
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽498
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6716
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽7043
₽669
-₽710
₽905
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
income
-
-
-
4 275
unemployment
-
-
-
114
health
-
-
-
3 278
pensions

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

-
-
-
4 218
total
-
-
-
11 885
Employee
22 941
-
23 826
-
accident

We are using the highest rate at 1.1%.

252
-
262
-
pensions

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

2 014
-
2 092
-
income
2 294
-
2 382
-
health
1 055
-
1 095
-
total
5 615
-
5 831
-
Employer
22 941
-
23 826
-
health
1 583
-
1 644
-
pensions

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

2 528
-
2 626
-
accident

We are using the highest rate at 1.1%.

252
-
262
-
unemployment
138
-
143
-
total
4 501
-
4 675
-
Corporate
1 058
28 500
-
-
income
106
2 850
-
-
total
106
2 850
-
-
Dividends
953
25 650
-
-
withholding
48
1 282
-
-
total
48
1 282
-
-
Income
28 500
28 500
28 500
28 500
Total tax
10 270
4 132
10 506
11 885
After tax
18 230
24 368
17 994
16 615
Living cost
17 325
17 325
17 325
17 325
Free-cash
905
7 043
669
-710

Estimated living cost  is ₽17325 per week

₽11459
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽992
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽413
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4462
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽23918
-₽17902
-₽17902
-₽21542
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
28 500
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.

-
-
-
666
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.

-
-
-
36
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.

-
-
-
6 871
trade
-
-
-
-
total
-
-
-
7 573
Employee

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

50 042
-
28 500
-
surtax

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

227
-
36
-
income

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

4 115
-
666
-
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.

6 871
-
6 871
-
total
11 213
-
7 573
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
28 500
-
-
income
-
4 275
-
-
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.

-
235
-
-
chamber of commerce
-
195
-
-
trade
-
4 090
-
-
total
-
8 795
-
-
Dividends
-
19 705
-
-
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.

-
250
-
-
withholding
-
4 544
-
-
total
-
4 794
-
-
Income
28 500
28 500
28 500
28 500
Total tax
11 213
13 589
7 573
7 573
After tax
17 287
14 911
20 927
20 927
Living cost
38 829
38 829
38 829
38 829
Free-cash
-21 542
-23 918
-17 902
-17 902

Estimated living cost  is ₽38829 per week

₽26785
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4178
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽563
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7302
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽37342
-₽32193
-₽32193
-₽50173
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
income
-
-
-
2 550
social contributions
-
-
-
851
total
-
-
-
3 401
Employee
78 672
-
28 500
-
income
14 845
-
2 550
-
social contributions
6 536
-
851
-
total
21 381
-
3 401
-
Employer
78 672
-
28 500
-
total
-
-
-
-
Corporate
-
28 500
-
-
income
-
3 563
-
-
total
-
3 563
-
-
Dividends
-
24 937
-
-
withholding
-
4 987
-
-
total
-
4 987
-
-
Income
28 500
28 500
28 500
28 500
Total tax
21 381
8 550
3 401
3 401
After tax
7 119
19 950
25 099
25 099
Living cost
57 292
57 292
57 292
57 292
Free-cash
-50 173
-37 342
-32 193
-32 193

Estimated living cost  is ₽57292 per week

₽43587
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4668
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽548
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8489
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽20985
-₽14092
-₽42715
-₽25263
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
28 500
income
-
-
-
28 629
health

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

-
-
-
6 077
total
-
-
-
34 706
Employee
46 138
-
25 904
-
income
5 006
-
891
-
social contributions
4 623
-
2 596
-
total
9 629
-
3 487
-
Employer
46 138
-
25 904
-
social contributions
4 623
-
2 596
-
total
4 623
-
2 596
-
Corporate
-
28 500
-
-
income
-
9 974
-
-
total
-
9 974
-
-
Dividends
-
18 526
-
-
social contributions
3 002
3 002
-
-
total
3 002
3 002
-
-
Income
28 500
28 500
28 500
28 500
Total tax
17 254
12 976
6 083
34 706
After tax
11 246
15 524
22 417
-6 206
Living cost
36 509
36 509
36 509
36 509
Free-cash
-25 263
-20 985
-14 092
-42 715

Estimated living cost  is ₽36509 per week

₽24048
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2878
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽559
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9022
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽15780
-₽16991
-₽15051
-₽28589
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
income
-
-
-
5 522
pensions
-
-
-
896
total
-
-
-
6 418
Employee
50 971
-
26 261
-
pensions
3 890
-
925
-
income
9 282
-
5 035
-
health
665
-
159
-
total
13 837
-
6 119
-
Employer
50 971
-
26 261
-
health
969
-
500
-
pensions
5 150
-
1 739
-
total
6 119
-
2 239
-
Corporate
-
28 500
-
-
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.

-
5 416
-
-
total
-
5 416
-
-
Dividends
-
23 084
-
-
withholding
-
1 731
-
-
total
-
1 731
-
-
Income
28 500
28 500
28 500
28 500
Total tax
19 956
7 147
8 358
6 418
After tax
8 544
21 353
20 142
22 082
Living cost
37 133
37 133
37 133
37 133
Free-cash
-28 589
-15 780
-16 991
-15 051

Estimated living cost  is ₽37133 per week

₽25473
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3415
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽465
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7778
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽21947
-₽9205
-₽6646
-₽17429
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
accident
-
-
-
257
income
-
-
-
3 800
other
-
-
-
377
health
-
-
-
2 221
pensions
-
-
-
4 236
total
-
-
-
10 891
Employee
38 154
-
23 675
-
pensions
4 296
-
2 666
-
income
5 234
-
3 248
-
health
4 368
-
2 711
-
total
13 898
-
8 625
-
Employer
38 154
-
23 675
-
pensions
6 204
-
3 850
-
accident
637
-
395
-
unemployment
935
-
580
-
total
7 776
-
4 825
-
Corporate
-
28 500
-
-
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.

-
25 650
-
-
total
-
25 650
-
-
Dividends
-
2 850
-
-
withholding
-
542
-
-
total
-
542
-
-
Income
28 500
28 500
28 500
28 500
Total tax
21 674
26 192
13 450
10 891
After tax
6 826
2 308
15 050
17 609
Living cost
24 255
24 255
24 255
24 255
Free-cash
-17 429
-21 947
-9 205
-6 646

Estimated living cost  is ₽24255 per week

₽17800
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1413
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽489
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4552
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽10636
₽4223
₽4223
₽5744
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
28 500
income
-
-
-
2 850
unemployment
-
-
-
342
work injury
-
-
-
143
health insurance
-
-
-
2 109
pensions
-
-
-
5 244
total
-
-
-
10 688
Employee

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

21 742
-
28 500
-
health insurance
1 609
-
2 109
-
unemployment
261
-
342
-
work injury
109
-
143
-
pensions
4 000
-
5 244
-
income
2 174
-
2 850
-
total
8 153
-
10 688
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
6 758
28 500
-
-
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
6 758
28 500
-
-
withholding
1 014
4 275
-
-
total
1 014
4 275
-
-
Income
28 500
28 500
28 500
28 500
Total tax
9 167
4 275
10 688
10 688
After tax
19 333
24 225
17 812
17 812
Living cost
13 589
13 589
13 589
13 589
Free-cash
5 744
10 636
4 223
4 223

Estimated living cost  is ₽13589 per week

₽8418
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽987
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽424
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3759
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽25054
-₽26472
-₽24670
-₽56252
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
28 500
social contributions
-
-
-
7 795
regional
-
-
-
359
municipal
-
-
-
187
national
-
-
-
4 762
total
-
-
-
13 103
Employee
84 751
-
28 500
-
municipal
506
-
164
-
national
14 322
-
4 205
-
regional
1 280
-
317
-
social contributions
28 577
-
10 219
-
total
44 685
-
14 905
-
Employer
84 751
-
28 500
-
total
-
-
-
-
Corporate
-
28 500
-
-
municipal
-
1 374
-
-
nationa
-
6 840
-
-
total
-
8 214
-
-
Dividends
-
20 285
-
-
withholding
-
5 273
-
-
total
-
5 273
-
-
Income
28 500
28 500
28 500
28 500
Total tax
44 685
13 487
14 905
13 103
After tax
-16 185
15 013
13 595
15 397
Living cost
40 067
40 067
40 067
40 067
Free-cash
-56 252
-25 054
-26 472
-24 670

Estimated living cost  is ₽40067 per week

₽28144
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2756
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽605
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8560
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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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