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
₽ 32500
per

Your estimated
City
free-cash

Dresden , Germany
-₽14150
-₽6371
-₽6719
-₽6719
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
32 500
trade
-
-
-
-
income

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

-
-
-
1 417
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.

-
-
-
6 943
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.

-
-
-
77
total
-
-
-
8 437
Employee

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

38 870
-
32 500
-
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.

6 943
-
6 943
-
surtax

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

60
-
77
-
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.

1 086
-
1 417
-
total
8 089
-
8 437
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
32 500
-
-
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.

-
268
-
-
income
-
4 875
-
-
trade
-
5 118
-
-
chamber of commerce
-
201
-
-
total
-
10 462
-
-
Dividends
-
22 038
-
-
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.

-
282
-
-
withholding
-
5 124
-
-
total
-
5 406
-
-
Income
32 500
32 500
32 500
32 500
Total tax
8 089
15 868
8 437
8 437
After tax
24 411
16 632
24 063
24 063
Living cost
30 782
30 782
30 782
30 782
Free-cash
-6 371
-14 150
-6 719
-6 719

Estimated living cost  is ₽30782 per week

₽19363
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3589
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽575
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7255
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽30995
-₽54198
-₽29471
-₽29216
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
municipal
-
-
-
2 529
pensions
-
-
-
3 900
national
-
-
-
3 918
social contributions
-
-
-
349
total
-
-
-
10 696
Employee
79 485
-
28 096
-
municipal
9 818
-
2 654
-
pensions
3 179
-
1 124
-
national
15 213
-
4 113
-
total
28 210
-
7 891
-
Employer
79 485
-
28 096
-
social contributions
854
-
302
-
pensions
6 359
-
2 248
-
total
7 213
-
2 550
-
Corporate
-
32 500
-
-
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%.

-
6 500
-
-
total
-
6 500
-
-
Dividends
-
26 000
-
-
withholding
-
5 720
-
-
total
-
5 720
-
-
Income
32 500
32 500
32 500
32 500
Total tax
35 423
12 220
10 441
10 696
After tax
-2 923
20 280
22 059
21 804
Living cost
51 275
51 275
51 275
51 275
Free-cash
-54 198
-30 995
-29 216
-29 471

Estimated living cost  is ₽51275 per week

₽34851
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4766
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽767
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10890
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽4859
-₽4348
₽3284
-₽2492
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
32 500
microenterprise
-
-
-
4 875
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.

-
-
-
3 199
total
-
-
-
8 074
Employee
29 696
-
26 190
-
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.

3 267
-
2 881
-
surtax
-
-
-
-
income
5 286
-
4 661
-
total
8 553
-
7 542
-
Employer
29 696
-
26 190
-
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.

7 153
-
6 308
-
surtax
-
-
-
-
total
7 153
-
6 308
-
Corporate
-
32 500
-
-
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%.

-
6 499
-
-
total
-
6 499
-
-
Dividends

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

-
26 001
-
-
total
-
-
-
-
Income
32 500
32 500
32 500
32 500
Total tax
15 706
6 499
13 850
8 074
After tax
16 794
26 001
18 650
24 426
Living cost
21 142
21 142
21 142
21 142
Free-cash
-4 348
4 859
-2 492
3 284

Estimated living cost  is ₽21142 per week

₽13488
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2013
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽480
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5161
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽62711
-₽68415
-₽23839
-₽68415
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
income
-
-
-
2 926
pensions
-
-
-
5 851
health
-
-
-
4 989
total
-
-
-
13 766
Employee
86 784
86 784
86 784
-
health
13 320
11 330
13 320
-
income

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

14 205
14 205
14 205
-
pensions
15 621
11 907
15 621
-
total
43 146
37 442
43 146
-
Employer
86 784
86 784
86 784
-
unemployment
3 124
3 124
3 124
-
pensions
6 040
6 040
6 040
-
health
6 032
6 032
6 032
-
total
15 196
15 196
15 196
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
32 500
32 500
32 500
32 500
Total tax
58 342
52 638
58 342
13 766
After tax
-25 842
-20 138
-25 842
18 734
Living cost
42 573
42 573
42 573
42 573
Free-cash
-68 415
-62 711
-68 415
-23 839

Estimated living cost  is ₽42573 per week

₽30170
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3838
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽677
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7888
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽21412
-₽40825
-₽22956
-₽21802
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
municipal
-
-
-
6 884
accident
-
-
-
65
pensions
-
-
-
3 513
other
-
-
-
3 776
unemployment
-
-
-
33
health
-
-
-
2 028
national
-
-
-
-
total
-
-
-
16 299
Employee
55 795
-
24 730
-
municipal
16 638
-
7 374
-
national
-
-
-
-
total
16 638
-
7 374
-
Employer
55 795
-
24 730
-
accident
112
-
50
-
other
6 483
-
2 874
-
unemployment
1 473
-
653
-
pensions
6 031
-
2 673
-
health
3 431
-
1 521
-
total
17 530
-
7 771
-
Corporate
-
32 500
-
-
income
-
7 150
-
-
total
-
7 150
-
-
Dividends
-
25 350
-
-
withholding
-
7 605
-
-
total
-
7 605
-
-
Income
32 500
32 500
32 500
32 500
Total tax
34 168
14 755
15 145
16 299
After tax
-1 668
17 745
17 355
16 201
Living cost
39 157
39 157
39 157
39 157
Free-cash
-40 825
-21 412
-21 802
-22 956

Estimated living cost  is ₽39157 per week

₽25951
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3842
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽595
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8768
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽23457
-₽19037
-₽15860
-₽15860
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
32 500
trade
-
-
-
-
income

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

-
-
-
1 417
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.

-
-
-
6 943
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.

-
-
-
77
total
-
-
-
8 437
Employee

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

51 537
-
32 500
-
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.

6 943
-
6 943
-
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.

243
-
77
-
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.

4 428
-
1 417
-
total
11 614
-
8 437
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
32 500
-
-
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.

-
268
-
-
income
-
4 875
-
-
trade
-
5 346
-
-
chamber of commerce
-
201
-
-
total
-
10 690
-
-
Dividends
-
21 810
-
-
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.

-
278
-
-
withholding
-
5 066
-
-
total
-
5 344
-
-
Income
32 500
32 500
32 500
32 500
Total tax
11 614
16 034
8 437
8 437
After tax
20 886
16 466
24 063
24 063
Living cost
39 923
39 923
39 923
39 923
Free-cash
-19 037
-23 457
-15 860
-15 860

Estimated living cost  is ₽39923 per week

₽26701
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4210
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽596
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8416
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽23443
-₽17886
-₽7474
-₽15099
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
38 634
income
-
-
-
-
health
-
-
-
985
social contributions
-
-
-
6 027
total
-
-
-
7 012
Employee
78 145
78 145
78 145
-
social contributions
3 797
6 486
2 449
-
health
777
1 329
501
-
income
8 206
7 234
8 692
-
total
12 780
15 049
11 642
-
Employer
78 145
78 145
78 145
-
social contributions
3 797
6 486
2 449
-
health
847
1 446
546
-
total
4 644
7 932
2 995
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
32 500
32 500
32 500
32 500
Total tax
17 424
22 981
14 637
7 012
After tax
15 076
9 519
17 863
25 488
Living cost
32 962
32 962
32 962
32 962
Free-cash
-17 886
-23 443
-15 099
-7 474

Estimated living cost  is ₽32962 per week

₽22533
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2575
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽553
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7301
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽153
₽453
₽4105
₽431
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
income
-
-
-
3 973
pensions
-
-
-
3 250
unemployment
-
-
-
488
health
-
-
-
2 275
total
-
-
-
9 986
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.

26 573
10 576
27 197
-
health
1 860
740
1 904
-
income
3 249
1 293
3 325
-
pensions
2 657
1 058
2 720
-
unemployment
399
159
408
-
total
8 165
3 250
8 357
-
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.

26 573
10 576
27 197
-
pensions
5 182
2 062
5 303
-
total
5 182
2 062
5 303
-
Corporate
745
19 862
-
-
income
67
1 788
-
-
total
67
1 788
-
-
Dividends
678
18 074
-
-
social contributions
95
3 404
-
-
withholding
129
3 434
-
-
total
224
6 838
-
-
Income
32 500
32 500
32 500
32 500
Total tax
13 638
13 938
13 660
9 986
After tax
18 862
18 562
18 840
22 514
Living cost
18 409
18 409
18 409
18 409
Free-cash
453
153
431
4 105

Estimated living cost  is ₽18409 per week

₽12562
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1506
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽368
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3972
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽1455
-₽6074
-₽4810
-₽3500
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
income
-
-
-
2 040
pensions
-
-
-
6 499
health
-
-
-
4 225
total
-
-
-
12 764
Employee
28 830
-
24 290
-
income
3 246
-
2 368
-
pensions
577
-
486
-
unemployment
461
-
390
-
total
4 284
-
3 244
-
Employer
28 830
-
24 290
-
unemployment
231
-
195
-
pensions
5 766
-
4 858
-
health
3 747
-
3 157
-
total
9 744
-
8 210
-
Corporate
-
32 500
-
-
income
-
6 499
-
-
total
-
6 499
-
-
Dividends
-
26 001
-
-
total
-
-
-
-
Income
32 500
32 500
32 500
32 500
Total tax
14 028
6 499
11 454
12 764
After tax
18 472
26 001
21 046
19 736
Living cost
24 546
24 546
24 546
24 546
Free-cash
-6 074
1 455
-3 500
-4 810

Estimated living cost  is ₽24546 per week

₽16836
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1462
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽494
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5755
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽19564
-₽9531
-₽1244
-₽5034
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
accident
-
-
-
255
income
-
-
-
4 521
pensions
-
-
-
4 198
other
-
-
-
374
health
-
-
-
2 200
total
-
-
-
11 548
Employee
34 915
-
26 998
-
health
3 998
-
3 091
-
income
4 790
-
3 704
-
pensions
3 932
-
3 040
-
total
12 720
-
9 835
-
Employer
34 915
-
26 998
-
accident
583
-
451
-
unemployment
855
-
662
-
pensions
5 677
-
4 390
-
total
7 115
-
5 503
-
Corporate
-
32 500
-
-
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.

-
29 250
-
-
total
-
29 250
-
-
Dividends
-
3 250
-
-
withholding
-
618
-
-
total
-
618
-
-
Income
32 500
32 500
32 500
32 500
Total tax
19 835
29 868
15 338
11 548
After tax
12 665
2 632
17 162
20 952
Living cost
22 196
22 196
22 196
22 196
Free-cash
-9 531
-19 564
-5 034
-1 244

Estimated living cost  is ₽22196 per week

₽16268
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1230
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽463
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4236
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽21613
₽19877
₽22913
₽16738
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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%.

-
-
-
32 500
microenterprise

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

-
-
-
325
total
-
-
-
325
Employee
11 577
-
32 500
-
income
2 315
-
6 500
-
total
2 315
-
6 500
-
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%.

20 923
32 500
-
-
total
-
-
-
-
Dividends
20 923
32 500
-
-
withholding
1 046
1 625
-
-
total
1 046
1 625
-
-
Income
32 500
32 500
32 500
32 500
Total tax
3 361
1 625
6 500
325
After tax
29 139
30 875
26 000
32 175
Living cost
9 262
9 262
9 262
9 262
Free-cash
19 877
21 613
16 738
22 913

Estimated living cost  is ₽9262 per week

₽5740
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽770
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽255
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2498
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽3201
-₽13699
-₽9479
-₽8029
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
income
-
-
-
4 129
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.

-
-
-
7 799
other
-
-
-
1 543
health
-
-
-
1 429
total
-
-
-
14 900
Employee
36 899
-
25 958
-
health
517
-
363
-
income
6 353
-
4 468
-
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.

2 582
-
1 817
-
unemployment
368
-
260
-
total
9 820
-
6 908
-
Employer
36 899
-
25 958
-
accident
295
-
208
-
other
1 846
-
1 298
-
unemployment
368
-
260
-
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.

6 274
-
4 413
-
health
517
-
363
-
total
9 300
-
6 542
-
Corporate
-
32 500
-
-
income
-
6 825
-
-
total
-
6 825
-
-
Dividends
-
25 675
-
-
withholding
-
1 797
-
-
total
-
1 797
-
-
Income
32 500
32 500
32 500
32 500
Total tax
19 120
8 622
13 450
14 900
After tax
13 380
23 878
19 050
17 600
Living cost
27 079
27 079
27 079
27 079
Free-cash
-13 699
-3 201
-8 029
-9 479

Estimated living cost  is ₽27079 per week

₽19133
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1828
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽436
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5681
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽44057
-₽77554
-₽43381
-₽45813
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
income
-
-
-
6 256
pensions
-
-
-
1 216
total
-
-
-
7 472
Employee
96 788
-
29 756
-
health
1 595
-
221
-
income
17 447
-
5 647
-
pensions
9 337
-
1 293
-
total
28 379
-
7 161
-
Employer
96 788
-
29 756
-
pensions
11 428
-
2 178
-
health
1 838
-
565
-
total
13 266
-
2 743
-
Corporate
-
32 500
-
-
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.

-
6 175
-
-
total
-
6 175
-
-
Dividends
-
26 325
-
-
withholding
-
1 973
-
-
total
-
1 973
-
-
Income
32 500
32 500
32 500
32 500
Total tax
41 645
8 148
9 904
7 472
After tax
-9 145
24 352
22 596
25 028
Living cost
68 409
68 409
68 409
68 409
Free-cash
-77 554
-44 057
-45 813
-43 381

Estimated living cost  is ₽68409 per week

₽51260
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽8038
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽556
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8556
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
₽14466
₽9746
₽5625
₽7195
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
income
-
-
-
4 875
pensions

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

-
-
-
4 810
unemployment
-
-
-
130
health
-
-
-
3 738
total
-
-
-
13 553
Employee
17 640
-
27 169
-
health
811
-
1 250
-
accident

We are using the highest rate at 1.1%.

194
-
299
-
income
1 764
-
2 717
-
pensions

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

1 549
-
2 386
-
total
4 318
-
6 652
-
Employer
17 640
-
27 169
-
accident

We are using the highest rate at 1.1%.

194
-
299
-
unemployment
105
-
163
-
pensions

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

1 944
-
2 994
-
health
1 218
-
1 875
-
total
3 461
-
5 331
-
Corporate
11 398
32 500
-
-
income
1 140
3 250
-
-
total
1 140
3 250
-
-
Dividends
10 258
29 250
-
-
withholding
513
1 462
-
-
total
513
1 462
-
-
Income
32 500
32 500
32 500
32 500
Total tax
9 432
4 712
11 983
13 553
After tax
23 068
27 788
20 517
18 947
Living cost
13 322
13 322
13 322
13 322
Free-cash
9 746
14 466
7 195
5 625

Estimated living cost  is ₽13322 per week

₽7778
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽951
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽353
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4240
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽76491
-₽78215
-₽37619
-₽82195
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
income
-
-
-
2 926
pensions
-
-
-
5 851
health
-
-
-
4 989
total
-
-
-
13 766
Employee
94 220
86 784
86 784
-
health
11 754
11 330
13 320
-
income

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

14 205
14 205
14 205
-
pensions
11 907
11 907
15 621
-
total
37 866
37 442
43 146
-
Employer
94 220
86 784
86 784
-
unemployment
3 392
3 124
3 124
-
pensions
6 557
6 040
6 040
-
health
6 547
6 032
6 032
-
total
16 496
15 196
15 196
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
32 500
32 500
32 500
32 500
Total tax
54 362
52 638
58 342
13 766
After tax
-21 862
-20 138
-25 842
18 734
Living cost
56 353
56 353
56 353
56 353
Free-cash
-78 215
-76 491
-82 195
-37 619

Estimated living cost  is ₽56353 per week

₽41570
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5033
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽646
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9105
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽1913
-₽15364
-₽8460
-₽7795
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
income
-
-
-
2 793
health
-
-
-
4 388
solidarity contribution
-
-
-
-
social contributions
-
-
-
9 490
total
-
-
-
16 671
Employee
35 720
-
24 254
-
social contributions
2 322
-
1 576
-
health
4 822
-
3 274
-
solidarity contribution
-
-
-
-
income
4 286
-
2 910
-
total
11 430
-
7 760
-
Employer
35 720
-
24 254
-
social contributions
8 930
-
6 063
-
health
3 215
-
2 183
-
total
12 145
-
8 246
-
Corporate
-
32 500
-
-
income
-
6 175
-
-
total
-
6 175
-
-
Dividends
-
26 325
-
-
withholding
-
3 949
-
-
total
-
3 949
-
-
Income
32 500
32 500
32 500
32 500
Total tax
23 575
10 124
16 006
16 671
After tax
8 925
22 376
16 494
15 829
Living cost
24 289
24 289
24 289
24 289
Free-cash
-15 364
-1 913
-7 795
-8 460

Estimated living cost  is ₽24289 per week

₽16872
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1728
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.
₽5212
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽25542
-₽57818
-₽24782
-₽26732
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
municipal
-
-
-
193
regional
-
-
-
297
national
-
-
-
5 552
social contributions
-
-
-
8 358
total
-
-
-
14 400
Employee
90 319
-
32 500
-
social contributions
30 456
-
10 960
-
regional
852
-
264
-
municipal
478
-
172
-
national
15 650
-
4 954
-
total
47 436
-
16 350
-
Employer
90 319
-
32 500
-
total
-
-
-
-
Corporate
-
32 500
-
-
nationa
-
7 801
-
-
municipal
-
1 267
-
-
total
-
9 068
-
-
Dividends
-
23 432
-
-
withholding
-
6 092
-
-
total
-
6 092
-
-
Income
32 500
32 500
32 500
32 500
Total tax
47 436
15 160
16 350
14 400
After tax
-14 936
17 340
16 150
18 100
Living cost
42 882
42 882
42 882
42 882
Free-cash
-57 818
-25 542
-26 732
-24 782

Estimated living cost  is ₽42882 per week

₽29892
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2812
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽658
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9519
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽1984
-₽8180
-₽3663
-₽4424
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
income
-
-
-
4 692
pensions
-
-
-
6 499
other
-
-
-
-
unemployment
-
-
-
231
health
-
-
-
2 308
surtax
-
-
-
8
total
-
-
-
13 738
Employee
33 607
-
26 847
-
other
-
-
-
-
health
858
-
685
-
surtax
110
-
-
-
income
5 633
-
4 501
-
pensions
2 241
-
1 792
-
unemployment
2 339
-
1 869
-
total
11 181
-
8 847
-
Employer
33 607
-
26 847
-
other
-
-
-
-
unemployment
1 065
-
850
-
pensions
4 480
-
3 579
-
health
1 529
-
1 223
-
total
7 074
-
5 652
-
Corporate
-
32 500
-
-
income
-
8 451
-
-
total
-
8 451
-
-
Dividends
-
24 049
-
-
withholding
-
3 608
-
-
total
-
3 608
-
-
Income
32 500
32 500
32 500
32 500
Total tax
18 255
12 059
14 499
13 738
After tax
14 245
20 441
18 001
18 762
Living cost
22 425
22 425
22 425
22 425
Free-cash
-8 180
-1 984
-4 424
-3 663

Estimated living cost  is ₽22425 per week

₽13712
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2069
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽517
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6127
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽22383
-₽40619
-₽21707
-₽24139
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
income
-
-
-
6 256
pensions
-
-
-
1 216
total
-
-
-
7 472
Employee
64 865
-
29 756
-
health
942
-
221
-
income
11 682
-
5 647
-
pensions
5 506
-
1 293
-
total
18 130
-
7 161
-
Employer
64 865
-
29 756
-
pensions
7 022
-
2 178
-
health
1 232
-
565
-
total
8 254
-
2 743
-
Corporate
-
32 500
-
-
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.

-
6 175
-
-
total
-
6 175
-
-
Dividends
-
26 325
-
-
withholding
-
1 973
-
-
total
-
1 973
-
-
Income
32 500
32 500
32 500
32 500
Total tax
26 384
8 148
9 904
7 472
After tax
6 116
24 352
22 596
25 028
Living cost
46 735
46 735
46 735
46 735
Free-cash
-40 619
-22 383
-24 139
-21 707

Estimated living cost  is ₽46735 per week

₽35014
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3503
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.
₽7729
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽62751
-₽66980
-₽49712
-₽52591
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
city
-
-
-
341
pensions
-
-
-
2 990
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.

-
-
-
650
regional
-
-
-
365
health
-
-
-
253
national
-
-
-
-
total
-
-
-
4 599
Employee
90 828
-
28 439
-
city
975
-
297
-
regional
2 974
-
253
-
health
205
-
64
-
pensions
7 631
-
3 116
-
unemployment
-
-
-
-
national
430
-
-
-
total
12 215
-
3 730
-
Employer
90 828
-
28 439
-
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.

1 816
-
568
-
unemployment
-
-
-
-
pensions
7 631
-
3 116
-
health
205
-
64
-
total
9 652
-
3 748
-
Corporate
-
32 500
-
-
regional
-
6 873
-
-
national
-
2 763
-
-
total
-
9 636
-
-
Dividends
-
22 864
-
-
withholding
-
8 002
-
-
total
-
8 002
-
-
Income
32 500
32 500
32 500
32 500
Total tax
21 867
17 638
7 478
4 599
After tax
10 633
14 862
25 022
27 901
Living cost
77 613
77 613
77 613
77 613
Free-cash
-66 980
-62 751
-52 591
-49 712

Estimated living cost  is ₽77613 per week

₽50471
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6965
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽953
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽19224
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽30258
-₽28575
-₽22492
-₽22492
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
32 500
trade
-
-
-
-
income

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

-
-
-
1 417
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.

-
-
-
6 943
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.

-
-
-
77
total
-
-
-
8 437
Employee

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

61 075
-
32 500
-
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.

6 943
-
6 943
-
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.

395
-
77
-
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.

7 182
-
1 417
-
total
14 520
-
8 437
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
32 500
-
-
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.

-
268
-
-
income
-
4 875
-
-
trade
-
5 573
-
-
chamber of commerce
-
201
-
-
total
-
10 917
-
-
Dividends
-
21 583
-
-
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.

-
276
-
-
withholding
-
5 010
-
-
total
-
5 286
-
-
Income
32 500
32 500
32 500
32 500
Total tax
14 520
16 203
8 437
8 437
After tax
17 980
16 297
24 063
24 063
Living cost
46 555
46 555
46 555
46 555
Free-cash
-28 575
-30 258
-22 492
-22 492

Estimated living cost  is ₽46555 per week

₽34002
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3724
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽606
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8225
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽18391
-₽24577
-₽14710
-₽13812
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
income
-
-
-
164
pensions
-
-
-
10 061
other
-
-
-
1 007
health
-
-
-
282
surtax
-
-
-
-
social contributions
-
-
-
926
total
-
-
-
12 440
Employee
43 494
-
24 765
-
social contributions
1 240
-
706
-
surtax
-
-
-
-
income
2 567
-
303
-
pensions
4 918
-
2 798
-
total
8 725
-
3 807
-
Employer
43 494
-
24 765
-
other
1 500
-
854
-
social contributions
131
-
75
-
unemployment
1 761
-
1 003
-
pensions
7 145
-
4 069
-
health
3 045
-
1 734
-
total
13 582
-
7 735
-
Corporate
-
32 500
-
-
surtax
-
-
-
-
income
-
9 101
-
-
total
-
9 101
-
-
Dividends
-
23 399
-
-
surtax
-
-
-
-
social contributions
-
4 025
-
-
withholding
-
2 995
-
-
total
-
7 020
-
-
Income
32 500
32 500
32 500
32 500
Total tax
22 307
16 121
11 542
12 440
After tax
10 193
16 379
20 958
20 060
Living cost
34 770
34 770
34 770
34 770
Free-cash
-24 577
-18 391
-13 812
-14 710

Estimated living cost  is ₽34770 per week

₽21924
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2827
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽592
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9429
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽14946
-₽18450
-₽11265
-₽10367
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
income
-
-
-
164
pensions
-
-
-
10 061
other
-
-
-
1 007
health
-
-
-
282
surtax
-
-
-
-
social contributions
-
-
-
926
total
-
-
-
12 440
Employee
38 825
-
24 765
-
social contributions
1 107
-
706
-
surtax
-
-
-
-
income
2 002
-
303
-
pensions
4 391
-
2 798
-
total
7 500
-
3 807
-
Employer
38 825
-
24 765
-
other
1 340
-
854
-
social contributions
116
-
75
-
unemployment
1 572
-
1 003
-
pensions
6 380
-
4 069
-
health
2 717
-
1 734
-
total
12 125
-
7 735
-
Corporate
-
32 500
-
-
surtax
-
-
-
-
income
-
9 101
-
-
total
-
9 101
-
-
Dividends
-
23 399
-
-
surtax
-
-
-
-
social contributions
-
4 025
-
-
withholding
-
2 995
-
-
total
-
7 020
-
-
Income
32 500
32 500
32 500
32 500
Total tax
19 625
16 121
11 542
12 440
After tax
12 875
16 379
20 958
20 060
Living cost
31 325
31 325
31 325
31 325
Free-cash
-18 450
-14 946
-10 367
-11 265

Estimated living cost  is ₽31325 per week

₽18167
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3182
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽594
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9382
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽1719
-₽4626
-₽678
-₽1101
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
income
-
-
-
4 875
health
-
-
-
2 268
social contributions
-
-
-
4 486
total
-
-
-
11 629
Employee
34 457
-
32 500
-
social contributions
4 756
-
4 486
-
health
2 405
-
2 268
-
income
5 747
-
5 298
-
total
12 908
-
12 052
-
Employer
34 457
-
32 500
-
total
-
-
-
-
Corporate
-
32 500
-
-
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%.

-
1 626
-
-
total
-
1 626
-
-
Dividends
-
30 874
-
-
health
897
2 154
-
-
social contributions
1 772
4 260
-
-
withholding
-
4 630
-
-
total
2 669
11 044
-
-
Income
32 500
32 500
32 500
32 500
Total tax
15 577
12 670
12 052
11 629
After tax
16 923
19 830
20 448
20 871
Living cost
21 549
21 549
21 549
21 549
Free-cash
-4 626
-1 719
-1 101
-678

Estimated living cost  is ₽21549 per week

₽14422
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1329
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽496
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5302
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽26451
-₽34069
-₽18371
-₽24972
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
chamber of commerce
-
-
-
129
income
-
-
-
-
pensions
-
-
-
6 013
unemployment
-
-
-
6 233
health
-
-
-
2 486
surtax
-
-
-
201
total
-
-
-
15 062
Employee
50 788
40 499
40 499
-
other
507
405
241
-
health
1 965
1 568
935
-
income
5 782
2 987
3 869
-
pensions
5 201
4 146
2 474
-
unemployment
1 524
1 215
725
-
total
14 979
10 321
8 244
-
Employer
50 788
40 499
40 499
-
accident
660
526
314
-
other
2 413
1 923
1 784
-
chamber of commerce
202
162
162
-
unemployment
1 524
1 215
725
-
surtax
201
201
201
-
pensions
6 374
5 084
3 032
-
payroll
1 524
1 215
1 215
-
health
1 919
1 531
912
-
total
14 817
11 857
8 345
-
Corporate
3 857
3 857
20 298
-
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.

964
964
5 074
-
total
964
964
5 074
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
32 500
32 500
32 500
32 500
Total tax
30 760
23 142
21 663
15 062
After tax
1 740
9 358
10 837
17 438
Living cost
35 809
35 809
35 809
35 809
Free-cash
-34 069
-26 451
-24 972
-18 371

Estimated living cost  is ₽35809 per week

₽23883
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3055
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.
₽8283
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽18574
-₽61355
-₽16394
-₽21956
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
national
-
-
-
8 633
communal

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

-
-
-
1 871
social contributions
-
-
-
1 336
total
-
-
-
11 840
Employee

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

72 694
-
25 172
-
communal

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

3 792
-
1 313
-
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.

3 415
-
1 182
-
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.

5 452
-
1 888
-
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.

633
-
220
-
national
22 349
-
5 471
-
total
35 641
-
10 074
-
Employer

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

72 694
-
25 172
-
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.

945
-
328
-
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.

1 061
-
368
-
surtax
8 243
-
2 854
-
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.

6 441
-
2 229
-
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.

4 470
-
1 549
-
total
21 160
-
7 328
-
Corporate
-
32 500
-
-
surtax
-
129
-
-
income
-
6 499
-
-
total
-
6 628
-
-
Dividends
-
25 872
-
-
withholding

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

-
7 392
-
-
total
-
7 392
-
-
Income
32 500
32 500
32 500
32 500
Total tax
56 801
14 020
17 402
11 840
After tax
-24 301
18 480
15 098
20 660
Living cost
37 054
37 054
37 054
37 054
Free-cash
-61 355
-18 574
-21 956
-16 394

Estimated living cost  is ₽37054 per week

₽23868
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3240
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽580
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9367
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽14646
-₽34213
-₽18274
-₽20887
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
accident
-
-
-
293
income
-
-
-
4 322
pensions
-
-
-
9 197
other
-
-
-
33
unemployment
-
-
-
228
total
-
-
-
14 073
Employee
50 587
-
21 681
-
other
50
-
35
-
income
10 674
-
3 711
-
pensions
2 378
-
1 595
-
unemployment
785
-
526
-
total
13 887
-
5 867
-
Employer
50 587
-
21 681
-
accident
1 001
-
671
-
other
403
-
272
-
unemployment
2 783
-
1 867
-
pensions
11 938
-
8 009
-
total
16 125
-
10 819
-
Corporate
-
32 500
-
-
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.

-
4 875
-
-
total
-
4 875
-
-
Dividends
-
27 625
-
-
withholding
-
5 570
-
-
total
-
5 570
-
-
Income
32 500
32 500
32 500
32 500
Total tax
30 012
10 445
16 686
14 073
After tax
2 488
22 055
15 814
18 427
Living cost
36 701
36 701
36 701
36 701
Free-cash
-34 213
-14 646
-20 887
-18 274

Estimated living cost  is ₽36701 per week

₽27027
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2604
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽528
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6542
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽32991
-₽53655
-₽35975
-₽35977
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
accident
-
-
-
436
income
-
-
-
-
pensions
-
-
-
7 737
health
-
-
-
3 626
surtax
-
-
-
1 448
communal
-
-
-
-
total
-
-
-
13 247
Employee
76 960
-
26 720
-
health
3 425
-
2 152
-
surtax
4 717
-
1 448
-
income
7 434
-
-
-
pensions
6 156
-
3 869
-
total
21 732
-
7 469
-
Employer
76 960
-
26 720
-
accident
692
-
436
-
pensions
6 156
-
3 869
-
health
2 347
-
1 475
-
total
9 195
-
5 780
-
Corporate
-
32 500
-
-
surtax
-
341
-
-
communal
-
-
-
-
income
-
4 875
-
-
total
-
5 216
-
-
Dividends
-
27 283
-
-
income
-
955
-
-
withholding
-
4 092
-
-
total
-
5 047
-
-
Income
32 500
32 500
32 500
32 500
Total tax
30 927
10 263
13 249
13 247
After tax
1 573
22 237
19 251
19 253
Living cost
55 228
55 228
55 228
55 228
Free-cash
-53 655
-32 991
-35 977
-35 975

Estimated living cost  is ₽55228 per week

₽41429
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3346
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽584
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9866
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽2385
-₽8928
-₽4064
-₽4825
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
income
-
-
-
4 692
pensions
-
-
-
6 499
other
-
-
-
-
unemployment
-
-
-
231
health
-
-
-
2 308
surtax
-
-
-
8
total
-
-
-
13 738
Employee
34 224
-
26 847
-
other
-
-
-
-
health
874
-
685
-
surtax
121
-
-
-
income
5 737
-
4 501
-
pensions
2 283
-
1 792
-
unemployment
2 382
-
1 869
-
total
11 397
-
8 847
-
Employer
34 224
-
26 847
-
other
-
-
-
-
unemployment
1 086
-
850
-
pensions
4 563
-
3 579
-
health
1 556
-
1 223
-
total
7 205
-
5 652
-
Corporate
-
32 500
-
-
income
-
8 451
-
-
total
-
8 451
-
-
Dividends
-
24 049
-
-
withholding
-
3 608
-
-
total
-
3 608
-
-
Income
32 500
32 500
32 500
32 500
Total tax
18 602
12 059
14 499
13 738
After tax
13 898
20 441
18 001
18 762
Living cost
22 826
22 826
22 826
22 826
Free-cash
-8 928
-2 385
-4 825
-4 064

Estimated living cost  is ₽22826 per week

₽13781
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1984
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽530
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6532
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽10295
-₽23875
-₽9469
-₽11400
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
municipal
-
-
-
193
regional
-
-
-
490
national
-
-
-
5 552
social contributions
-
-
-
8 358
total
-
-
-
14 593
Employee
56 373
-
32 500
-
social contributions
19 010
-
10 960
-
regional
759
-
438
-
municipal
299
-
172
-
national
8 931
-
4 954
-
total
28 999
-
16 524
-
Employer
56 373
-
32 500
-
total
-
-
-
-
Corporate
-
32 500
-
-
nationa
-
7 801
-
-
municipal
-
1 616
-
-
total
-
9 417
-
-
Dividends
-
23 083
-
-
withholding
-
6 002
-
-
total
-
6 002
-
-
Income
32 500
32 500
32 500
32 500
Total tax
28 999
15 419
16 524
14 593
After tax
3 501
17 081
15 976
17 907
Living cost
27 376
27 376
27 376
27 376
Free-cash
-23 875
-10 295
-11 400
-9 469

Estimated living cost  is ₽27376 per week

₽17025
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2773
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽469
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7109
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽7555
-₽26481
-₽14102
-₽13437
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
income
-
-
-
2 793
health
-
-
-
4 388
solidarity contribution
-
-
-
-
social contributions
-
-
-
9 490
total
-
-
-
16 671
Employee
44 016
-
24 254
-
social contributions
2 861
-
1 576
-
health
5 942
-
3 274
-
solidarity contribution
-
-
-
-
income
5 282
-
2 910
-
total
14 085
-
7 760
-
Employer
44 016
-
24 254
-
social contributions
11 004
-
6 063
-
health
3 961
-
2 183
-
total
14 965
-
8 246
-
Corporate
-
32 500
-
-
income
-
6 175
-
-
total
-
6 175
-
-
Dividends
-
26 325
-
-
withholding
-
3 949
-
-
total
-
3 949
-
-
Income
32 500
32 500
32 500
32 500
Total tax
29 050
10 124
16 006
16 671
After tax
3 450
22 376
16 494
15 829
Living cost
29 931
29 931
29 931
29 931
Free-cash
-26 481
-7 555
-13 437
-14 102

Estimated living cost  is ₽29931 per week

₽22259
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1658
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽518
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5497
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽22863
-₽25672
-₽14783
-₽21481
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
chamber of commerce
-
-
-
129
income
-
-
-
-
pensions
-
-
-
6 013
unemployment
-
-
-
6 233
health
-
-
-
2 486
surtax
-
-
-
-
total
-
-
-
14 861
Employee
44 424
40 499
40 499
-
other
444
405
243
-
health
1 718
1 568
941
-
income
3 957
2 987
3 859
-
pensions
4 549
4 146
2 490
-
unemployment
1 333
1 215
729
-
total
12 001
10 321
8 262
-
Employer
44 424
40 499
40 499
-
accident
577
526
316
-
other
2 110
1 923
1 786
-
chamber of commerce
177
162
162
-
unemployment
1 333
1 215
729
-
surtax
-
-
-
-
pensions
5 575
5 084
3 053
-
payroll
1 333
1 215
1 215
-
health
1 680
1 531
920
-
total
12 785
11 656
8 181
-
Corporate
3 857
3 857
20 462
-
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.

964
964
5 116
-
total
964
964
5 116
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
32 500
32 500
32 500
32 500
Total tax
25 750
22 941
21 559
14 861
After tax
6 750
9 559
10 941
17 639
Living cost
32 422
32 422
32 422
32 422
Free-cash
-25 672
-22 863
-21 481
-14 783

Estimated living cost  is ₽32422 per week

₽19449
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.
₽579
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9083
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽16442
₽13735
₽17742
₽11567
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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%.

-
-
-
32 500
microenterprise

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

-
-
-
325
total
-
-
-
325
Employee
18 042
-
32 500
-
income
3 609
-
6 500
-
total
3 609
-
6 500
-
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%.

14 458
32 500
-
-
total
-
-
-
-
Dividends
14 458
32 500
-
-
withholding
723
1 625
-
-
total
723
1 625
-
-
Income
32 500
32 500
32 500
32 500
Total tax
4 332
1 625
6 500
325
After tax
28 168
30 875
26 000
32 175
Living cost
14 433
14 433
14 433
14 433
Free-cash
13 735
16 442
11 567
17 742

Estimated living cost  is ₽14433 per week

₽9767
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽606
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽484
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3576
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽4883
-₽19437
-₽8535
-₽9564
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
32 500
income
-
-
-
4 595
pensions
-
-
-
5 936
unemployment
-
-
-
48
health
-
-
-
3 198
total
-
-
-
13 777
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.

44 939
-
28 118
-
health
2 902
-
1 817
-
income
7 750
-
4 213
-
pensions
6 966
-
4 359
-
unemployment
64
-
39
-
total
17 682
-
10 428
-
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.

44 939
-
28 118
-
unemployment
27
-
17
-
pensions
3 977
-
2 488
-
health
2 993
-
1 873
-
total
6 997
-
4 378
-
Corporate
-
32 500
-
-
income
-
6 175
-
-
total
-
6 175
-
-
Dividends
-
26 325
-
-
withholding
-
3 950
-
-
total
-
3 950
-
-
Income
32 500
32 500
32 500
32 500
Total tax
24 679
10 125
14 806
13 777
After tax
7 821
22 375
17 694
18 723
Living cost
27 258
27 258
27 258
27 258
Free-cash
-19 437
-4 883
-9 564
-8 535

Estimated living cost  is ₽27258 per week

₽18707
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1747
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽528
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6277
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽24130
-₽119212
-₽21443
-₽25620
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
income
-
-
-
6 335
social contributions
-
-
-
3 705
total
-
-
-
10 040
Employee
62 951
-
4 511
-
social contributions
5 162
-
736
-
income
13 886
-
831
-
total
19 048
-
1 567
-
Employer
62 951
-
4 511
-
social contributions
88 761
-
12 650
-
total
88 761
-
12 650
-
Corporate
-
32 500
-
-
income
-
7 150
-
-
total
-
7 150
-
-
Dividends
-
25 350
-
-
income
-
5 577
-
-
total
-
5 577
-
-
Income
32 500
32 500
32 500
32 500
Total tax
107 809
12 727
14 217
10 040
After tax
-75 309
19 773
18 283
22 460
Living cost
43 903
43 903
43 903
43 903
Free-cash
-119 212
-24 130
-25 620
-21 443

Estimated living cost  is ₽43903 per week

₽28486
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4129
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.
₽10728
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽13392
-₽25341
-₽12569
-₽12868
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
32 500
income
-
-
-
1 898
surtax
-
-
-
-
social contributions

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

-
-
-
11 294
total
-
-
-
13 192
Employee
46 740
-
26 263
-
social contributions
5 141
-
2 889
-
surtax
-
-
-
-
income
9 722
-
4 365
-
total
14 863
-
7 254
-
Employer
46 740
-
26 263
-
social contributions
11 101
-
6 237
-
total
11 101
-
6 237
-
Corporate
-
32 500
-
-
surtax
-
-
-
-
income
-
6 825
-
-
total
-
6 825
-
-
Dividends
-
25 675
-
-
withholding
-
7 190
-
-
total
-
7 190
-
-
Income
32 500
32 500
32 500
32 500
Total tax
25 964
14 015
13 491
13 192
After tax
6 536
18 485
19 009
19 308
Living cost
31 877
31 877
31 877
31 877
Free-cash
-25 341
-13 392
-12 868
-12 569

Estimated living cost  is ₽31877 per week

₽23850
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1880
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽532
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5614
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽32705
-₽51029
-₽29024
-₽28126
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
income
-
-
-
164
pensions
-
-
-
10 061
other
-
-
-
1 007
health
-
-
-
282
surtax
-
-
-
-
social contributions
-
-
-
926
total
-
-
-
12 440
Employee
63 650
-
24 765
-
social contributions
1 813
-
706
-
surtax
-
-
-
-
income
5 554
-
303
-
pensions
7 199
-
2 798
-
total
14 566
-
3 807
-
Employer
63 650
-
24 765
-
other
2 197
-
854
-
social contributions
191
-
75
-
unemployment
2 578
-
1 003
-
pensions
10 458
-
4 069
-
health
4 455
-
1 734
-
total
19 879
-
7 735
-
Corporate
-
32 500
-
-
surtax
-
-
-
-
income
-
9 101
-
-
total
-
9 101
-
-
Dividends
-
23 399
-
-
surtax
-
-
-
-
social contributions
-
4 025
-
-
withholding
-
2 995
-
-
total
-
7 020
-
-
Income
32 500
32 500
32 500
32 500
Total tax
34 445
16 121
11 542
12 440
After tax
-1 945
16 379
20 958
20 060
Living cost
49 084
49 084
49 084
49 084
Free-cash
-51 029
-32 705
-28 126
-29 024

Estimated living cost  is ₽49084 per week

₽33219
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4015
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽673
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽11176
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽1298
-₽5235
-₽5197
-₽4238
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
income
-
-
-
-
social contributions
-
-
-
7 149
total
-
-
-
7 149
Employee
32 672
-
28 140
-
income
-
-
-
-
social contributions
2 123
-
1 830
-
total
2 123
-
1 830
-
Employer
32 672
-
28 140
-
social contributions
5 064
-
4 360
-
total
5 064
-
4 360
-
Corporate
-
32 500
-
-
income
-
3 250
-
-
total
-
3 250
-
-
Dividends
-
29 250
-
-
total
-
-
-
-
Income
32 500
32 500
32 500
32 500
Total tax
7 187
3 250
6 190
7 149
After tax
25 313
29 250
26 310
25 351
Living cost
30 548
30 548
30 548
30 548
Free-cash
-5 235
-1 298
-4 238
-5 197

Estimated living cost  is ₽30548 per week

₽19752
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2303
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽575
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7919
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽188902
-₽188902
-₽26179
-₽188902
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
municipal
-
-
-
3 936
pensions
-
-
-
881
national
-
-
-
2 393
labour market
-
-
-
2 530
total
-
-
-
9 740
Employee
206 561
206 561
206 561
-
labour market
16 501
16 501
16 501
-
national
25 235
25 235
25 235
-
municipal
43 986
43 986
43 986
-
pensions
294
294
294
-
total
86 016
86 016
86 016
-
Employer
206 561
206 561
206 561
-
labour market
16 525
16 525
16 525
-
municipal
44 056
44 056
44 056
-
pensions
587
587
587
-
national
25 279
25 279
25 279
-
total
86 447
86 447
86 447
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
32 500
32 500
32 500
32 500
Total tax
172 463
172 463
172 463
9 740
After tax
-139 963
-139 963
-139 963
22 760
Living cost
48 939
48 939
48 939
48 939
Free-cash
-188 902
-188 902
-188 902
-26 179

Estimated living cost  is ₽48939 per week

₽33495
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4329
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽753
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10363
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽19236
-₽8910
-₽916
-₽4706
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
accident
-
-
-
255
income
-
-
-
4 521
pensions
-
-
-
4 198
other
-
-
-
374
health
-
-
-
2 200
total
-
-
-
11 548
Employee
34 400
-
26 998
-
health
3 939
-
3 091
-
income
4 719
-
3 704
-
pensions
3 874
-
3 040
-
total
12 532
-
9 835
-
Employer
34 400
-
26 998
-
accident
574
-
451
-
unemployment
843
-
662
-
pensions
5 593
-
4 390
-
total
7 010
-
5 503
-
Corporate
-
32 500
-
-
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.

-
29 250
-
-
total
-
29 250
-
-
Dividends
-
3 250
-
-
withholding
-
618
-
-
total
-
618
-
-
Income
32 500
32 500
32 500
32 500
Total tax
19 542
29 868
15 338
11 548
After tax
12 958
2 632
17 162
20 952
Living cost
21 868
21 868
21 868
21 868
Free-cash
-8 910
-19 236
-4 706
-916

Estimated living cost  is ₽21868 per week

₽15918
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1247
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽410
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4293
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽16526
-₽31055
-₽12430
-₽18447
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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

-
-
-
32 500
municipal
-
-
-
5 836
health
-
-
-
77
national
-
-
-
-
total
-
-
-
5 913
Employee
53 468
-
27 341
-
health
399
-
-
-
municipal
8 758
-
4 515
-
pensions
3 608
-
1 846
-
unemployment
802
-
411
-
national
883
-
-
-
total
14 450
-
6 772
-
Employer
53 468
-
27 341
-
accident
54
-
27
-
unemployment
347
-
177
-
pensions
9 276
-
4 744
-
health
411
-
210
-
total
10 088
-
5 158
-
Corporate
-
32 500
-
-
income
-
6 499
-
-
total
-
6 499
-
-
Dividends

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

-
19 501
-
-
national
-
-
-
-
municipal
-
3 510
-
-
total
-
3 510
-
-
Income
32 500
32 500
32 500
32 500
Total tax
24 538
10 009
11 930
5 913
After tax
7 962
22 491
20 570
26 587
Living cost
39 017
39 017
39 017
39 017
Free-cash
-31 055
-16 526
-18 447
-12 430

Estimated living cost  is ₽39017 per week

₽25486
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3753
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽621
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9159
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽14010
-₽6712
₽1959
-₽5666
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
38 634
income
-
-
-
-
health
-
-
-
985
social contributions
-
-
-
6 027
total
-
-
-
7 012
Employee
78 145
78 145
78 145
-
social contributions
2 955
6 486
2 449
-
health
606
1 329
501
-
income
8 509
7 234
8 692
-
total
12 070
15 049
11 642
-
Employer
78 145
78 145
78 145
-
social contributions
2 955
6 486
2 449
-
health
658
1 446
546
-
total
3 613
7 932
2 995
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
32 500
32 500
32 500
32 500
Total tax
15 683
22 981
14 637
7 012
After tax
16 817
9 519
17 863
25 488
Living cost
23 529
23 529
23 529
23 529
Free-cash
-6 712
-14 010
-5 666
1 959

Estimated living cost  is ₽23529 per week

₽14102
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2308
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽521
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6599
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽10778
₽5608
₽4098
₽4155
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
32 500
income
-
-
-
2 096
pensions
-
-
-
6 464
unemployment
-
-
-
29
health
-
-
-
3 678
total
-
-
-
12 267
Employee

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

23 327
-
29 466
-
health
1 983
-
2 505
-
income
1 595
-
2 104
-
pensions
3 498
-
4 420
-
unemployment
116
-
147
-
total
7 192
-
9 176
-
Employer

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

23 327
-
29 466
-
unemployment
116
-
147
-
pensions
1 282
-
1 620
-
health
1 003
-
1 267
-
total
2 401
-
3 034
-
Corporate
6 772
32 500
-
-
income
609
2 926
-
-
total
609
2 926
-
-
Dividends
6 163
29 574
-
-
withholding
555
2 661
-
-
total
555
2 661
-
-
Income
32 500
32 500
32 500
32 500
Total tax
10 757
5 587
12 210
12 267
After tax
21 743
26 913
20 290
20 233
Living cost
16 135
16 135
16 135
16 135
Free-cash
5 608
10 778
4 155
4 098

Estimated living cost  is ₽16135 per week

₽10295
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1163
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽480
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4197
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽5891
-₽17056
-₽9519
-₽12132
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
accident
-
-
-
293
income
-
-
-
4 322
pensions
-
-
-
9 197
other
-
-
-
33
unemployment
-
-
-
228
total
-
-
-
14 073
Employee
37 577
-
21 681
-
other
37
-
35
-
income
7 245
-
3 711
-
pensions
1 767
-
1 595
-
unemployment
582
-
526
-
total
9 631
-
5 867
-
Employer
37 577
-
21 681
-
accident
744
-
671
-
other
301
-
272
-
unemployment
2 067
-
1 867
-
pensions
8 867
-
8 009
-
total
11 979
-
10 819
-
Corporate
-
32 500
-
-
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.

-
4 875
-
-
total
-
4 875
-
-
Dividends
-
27 625
-
-
withholding
-
5 570
-
-
total
-
5 570
-
-
Income
32 500
32 500
32 500
32 500
Total tax
21 610
10 445
16 686
14 073
After tax
10 890
22 055
15 814
18 427
Living cost
27 946
27 946
27 946
27 946
Free-cash
-17 056
-5 891
-12 132
-9 519

Estimated living cost  is ₽27946 per week

₽18863
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2686
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽490
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5907
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽17499
₽17043
₽16710
₽16513
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
income
-
-
-
9 509
pensions
-
-
-
2 029
health
-
-
-
1 471
total
-
-
-
13 009
Employee
4 236
-
30 218
-
health
212
-
507
-
income
820
-
9 402
-
pensions
381
-
913
-
unemployment
42
-
101
-
total
1 455
-
10 923
-
Employer
4 236
-
30 218
-
unemployment
85
-
203
-
pensions
466
-
1 116
-
health
402
-
964
-
total
953
-
2 283
-
Corporate
27 310
32 500
-
-
income
6 008
7 150
-
-
total
6 008
7 150
-
-
Dividends
21 302
25 350
-
-
withholding
4 260
5 070
-
-
total
4 260
5 070
-
-
Income
32 500
32 500
32 500
32 500
Total tax
12 676
12 220
13 206
13 009
After tax
19 824
20 280
19 294
19 491
Living cost
2 781
2 781
2 781
2 781
Free-cash
17 043
17 499
16 513
16 710

Estimated living cost  is ₽2781 per week

₽1653
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽225
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽64
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽839
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽5923
₽925
-₽743
₽653
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
32 500
income
-
-
-
3 401
pensions
-
-
-
8 450
unemployment
-
-
-
487
health
-
-
-
3 347
total
-
-
-
15 685
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.

26 477
-
27 566
-
health
1 364
-
1 420
-
income
3 650
-
3 868
-
pensions
3 707
-
3 859
-
unemployment
199
-
207
-
total
8 920
-
9 354
-
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.

26 477
-
27 566
-
unemployment
199
-
207
-
pensions
3 177
-
3 308
-
health
1 364
-
1 420
-
total
4 740
-
4 935
-
Corporate
1 284
32 500
-
-
income
193
4 875
-
-
total
193
4 875
-
-
Dividends
1 091
27 625
-
-
withholding
164
4 144
-
-
total
164
4 144
-
-
Income
32 500
32 500
32 500
32 500
Total tax
14 017
9 019
14 289
15 685
After tax
18 483
23 481
18 211
16 815
Living cost
17 558
17 558
17 558
17 558
Free-cash
925
5 923
653
-743

Estimated living cost  is ₽17558 per week

₽11822
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1358
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽508
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3870
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽8913
-₽16311
-₽8090
-₽8389
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
32 500
income
-
-
-
1 898
surtax
-
-
-
-
social contributions

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

-
-
-
11 294
total
-
-
-
13 192
Employee
39 443
-
26 263
-
social contributions
4 339
-
2 889
-
surtax
-
-
-
-
income
7 707
-
4 365
-
total
12 046
-
7 254
-
Employer
39 443
-
26 263
-
social contributions
9 367
-
6 237
-
total
9 367
-
6 237
-
Corporate
-
32 500
-
-
surtax
-
-
-
-
income
-
6 825
-
-
total
-
6 825
-
-
Dividends
-
25 675
-
-
withholding
-
7 190
-
-
total
-
7 190
-
-
Income
32 500
32 500
32 500
32 500
Total tax
21 413
14 015
13 491
13 192
After tax
11 087
18 485
19 009
19 308
Living cost
27 398
27 398
27 398
27 398
Free-cash
-16 311
-8 913
-8 389
-8 090

Estimated living cost  is ₽27398 per week

₽19405
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1903
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽486
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5604
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽13661
-₽32230
-₽17289
-₽19902
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
accident
-
-
-
293
income
-
-
-
4 322
pensions
-
-
-
9 197
other
-
-
-
33
unemployment
-
-
-
228
total
-
-
-
14 073
Employee
49 081
-
21 681
-
other
48
-
35
-
income
10 251
-
3 711
-
pensions
2 307
-
1 595
-
unemployment
760
-
526
-
total
13 366
-
5 867
-
Employer
49 081
-
21 681
-
accident
972
-
671
-
other
393
-
272
-
unemployment
2 700
-
1 867
-
pensions
11 583
-
8 009
-
total
15 648
-
10 819
-
Corporate
-
32 500
-
-
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.

-
4 875
-
-
total
-
4 875
-
-
Dividends
-
27 625
-
-
withholding
-
5 570
-
-
total
-
5 570
-
-
Income
32 500
32 500
32 500
32 500
Total tax
29 014
10 445
16 686
14 073
After tax
3 486
22 055
15 814
18 427
Living cost
35 716
35 716
35 716
35 716
Free-cash
-32 230
-13 661
-19 902
-17 289

Estimated living cost  is ₽35716 per week

₽25650
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2777
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.
₽6787
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽10309
₽4116
₽1468
₽3038
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
income
-
-
-
4 875
pensions

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

-
-
-
4 810
unemployment
-
-
-
130
health
-
-
-
3 738
total
-
-
-
13 553
Employee
23 145
-
27 169
-
health
1 065
-
1 250
-
accident

We are using the highest rate at 1.1%.

254
-
299
-
income
2 315
-
2 717
-
pensions

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

2 032
-
2 386
-
total
5 666
-
6 652
-
Employer
23 145
-
27 169
-
accident

We are using the highest rate at 1.1%.

254
-
299
-
unemployment
139
-
163
-
pensions

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

2 551
-
2 994
-
health
1 597
-
1 875
-
total
4 541
-
5 331
-
Corporate
4 814
32 500
-
-
income
481
3 250
-
-
total
481
3 250
-
-
Dividends
4 333
29 250
-
-
withholding
217
1 462
-
-
total
217
1 462
-
-
Income
32 500
32 500
32 500
32 500
Total tax
10 905
4 712
11 983
13 553
After tax
21 595
27 788
20 517
18 947
Living cost
17 479
17 479
17 479
17 479
Free-cash
4 116
10 309
3 038
1 468

Estimated living cost  is ₽17479 per week

₽11561
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1001
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽417
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4502
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽22266
-₽18065
-₽15172
-₽15172
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
32 500
trade
-
-
-
-
income

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

-
-
-
1 417
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.

-
-
-
6 943
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.

-
-
-
77
total
-
-
-
8 437
Employee

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

50 565
-
32 500
-
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.

6 943
-
6 943
-
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.

229
-
77
-
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.

4 158
-
1 417
-
total
11 330
-
8 437
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
32 500
-
-
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.

-
268
-
-
income
-
4 875
-
-
trade
-
4 663
-
-
chamber of commerce
-
202
-
-
total
-
10 008
-
-
Dividends
-
22 491
-
-
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.

-
287
-
-
withholding
-
5 236
-
-
total
-
5 523
-
-
Income
32 500
32 500
32 500
32 500
Total tax
11 330
15 531
8 437
8 437
After tax
21 170
16 969
24 063
24 063
Living cost
39 235
39 235
39 235
39 235
Free-cash
-18 065
-22 266
-15 172
-15 172

Estimated living cost  is ₽39235 per week

₽27065
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4222
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.
₽7379
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽35141
-₽46995
-₽29808
-₽29808
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
income
-
-
-
3 317
social contributions
-
-
-
1 100
total
-
-
-
4 417
Employee
79 494
-
32 500
-
income
15 000
-
3 317
-
social contributions
6 604
-
1 100
-
total
21 604
-
4 417
-
Employer
79 494
-
32 500
-
total
-
-
-
-
Corporate
-
32 500
-
-
income
-
4 063
-
-
total
-
4 063
-
-
Dividends
-
28 437
-
-
withholding
-
5 687
-
-
total
-
5 687
-
-
Income
32 500
32 500
32 500
32 500
Total tax
21 604
9 750
4 417
4 417
After tax
10 896
22 750
28 083
28 083
Living cost
57 891
57 891
57 891
57 891
Free-cash
-46 995
-35 141
-29 808
-29 808

Estimated living cost  is ₽57891 per week

₽44042
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4717
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽553
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8578
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽18934
-₽21825
-₽40130
-₽11664
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
32 500
income
-
-
-
28 928
health

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

-
-
-
6 812
total
-
-
-
35 740
Employee
46 620
-
29 540
-
income
5 059
-
1 354
-
social contributions
4 671
-
2 960
-
total
9 730
-
4 314
-
Employer
46 620
-
29 540
-
social contributions
4 671
-
2 960
-
total
4 671
-
2 960
-
Corporate
-
32 500
-
-
income
-
11 375
-
-
total
-
11 375
-
-
Dividends
-
21 125
-
-
social contributions
3 034
3 169
-
-
total
3 034
3 169
-
-
Income
32 500
32 500
32 500
32 500
Total tax
17 435
14 544
7 274
35 740
After tax
15 065
17 956
25 226
-3 240
Living cost
36 890
36 890
36 890
36 890
Free-cash
-21 825
-18 934
-11 664
-40 130

Estimated living cost  is ₽36890 per week

₽24300
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2908
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽565
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9116
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽13642
-₽25911
-₽12966
-₽15398
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
income
-
-
-
6 256
pensions
-
-
-
1 216
total
-
-
-
7 472
Employee
52 152
-
29 756
-
health
680
-
221
-
income
9 497
-
5 647
-
pensions
3 980
-
1 293
-
total
14 157
-
7 161
-
Employer
52 152
-
29 756
-
pensions
5 269
-
2 178
-
health
991
-
565
-
total
6 260
-
2 743
-
Corporate
-
32 500
-
-
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.

-
6 175
-
-
total
-
6 175
-
-
Dividends
-
26 325
-
-
withholding
-
1 973
-
-
total
-
1 973
-
-
Income
32 500
32 500
32 500
32 500
Total tax
20 417
8 148
9 904
7 472
After tax
12 083
24 352
22 596
25 028
Living cost
37 994
37 994
37 994
37 994
Free-cash
-25 911
-13 642
-15 398
-12 966

Estimated living cost  is ₽37994 per week

₽26064
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3494
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.
₽7959
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽21401
-₽13010
-₽3081
-₽6871
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
accident
-
-
-
255
income
-
-
-
4 521
pensions
-
-
-
4 198
other
-
-
-
374
health
-
-
-
2 200
total
-
-
-
11 548
Employee
37 806
-
26 998
-
health
4 329
-
3 091
-
income
5 187
-
3 704
-
pensions
4 257
-
3 040
-
total
13 773
-
9 835
-
Employer
37 806
-
26 998
-
accident
631
-
451
-
unemployment
926
-
662
-
pensions
6 147
-
4 390
-
total
7 704
-
5 503
-
Corporate
-
32 500
-
-
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.

-
29 250
-
-
total
-
29 250
-
-
Dividends
-
3 250
-
-
withholding
-
618
-
-
total
-
618
-
-
Income
32 500
32 500
32 500
32 500
Total tax
21 477
29 868
15 338
11 548
After tax
11 023
2 632
17 162
20 952
Living cost
24 033
24 033
24 033
24 033
Free-cash
-13 010
-21 401
-6 871
-3 081

Estimated living cost  is ₽24033 per week

₽17638
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1400
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽484
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4511
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽13930
₽9000
₽6618
₽6618
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
32 500
work injury
-
-
-
162
health insurance
-
-
-
2 405
income
-
-
-
3 250
pensions
-
-
-
5 980
unemployment
-
-
-
390
total
-
-
-
12 187
Employee

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

21 911
-
32 500
-
work injury
110
-
162
-
income
2 191
-
3 250
-
pensions
4 032
-
5 980
-
health insurance
1 621
-
2 405
-
unemployment
263
-
390
-
total
8 217
-
12 187
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
10 589
32 500
-
-
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
10 589
32 500
-
-
withholding
1 588
4 875
-
-
total
1 588
4 875
-
-
Income
32 500
32 500
32 500
32 500
Total tax
9 805
4 875
12 187
12 187
After tax
22 695
27 625
20 313
20 313
Living cost
13 695
13 695
13 695
13 695
Free-cash
9 000
13 930
6 618
6 618

Estimated living cost  is ₽13695 per week

₽8484
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽995
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽427
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3788
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽23367
-₽53137
-₽22531
-₽24466
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
32 500
municipal
-
-
-
218
regional
-
-
-
418
national
-
-
-
5 552
social contributions
-
-
-
8 358
total
-
-
-
14 546
Employee
85 636
-
32 500
-
social contributions
28 876
-
10 960
-
regional
1 293
-
372
-
municipal
511
-
195
-
national
14 472
-
4 954
-
total
45 152
-
16 481
-
Employer
85 636
-
32 500
-
total
-
-
-
-
Corporate
-
32 500
-
-
nationa
-
7 801
-
-
municipal
-
1 566
-
-
total
-
9 367
-
-
Dividends
-
23 133
-
-
withholding
-
6 015
-
-
total
-
6 015
-
-
Income
32 500
32 500
32 500
32 500
Total tax
45 152
15 382
16 481
14 546
After tax
-12 652
17 118
16 019
17 954
Living cost
40 485
40 485
40 485
40 485
Free-cash
-53 137
-23 367
-24 466
-22 531

Estimated living cost  is ₽40485 per week

₽28438
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2785
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽611
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8650
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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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