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
₽ 35000
per

Your estimated
City
free-cash

Dresden , Germany
-₽12680
-₽3598
-₽2665
-₽2665
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
35 000
trade
-
-
-
-
income

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

-
-
-
193
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.

-
-
-
6 894
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.

-
-
-
11
total
-
-
-
7 098
Employee

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

38 599
-
35 000
-
health

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

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

6 894
-
6 894
-
surtax

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

59
-
11
-
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.

1 078
-
193
-
total
8 031
-
7 098
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
35 000
-
-
surtax

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

-
289
-
-
income
-
5 249
-
-
trade
-
5 512
-
-
chamber of commerce
-
203
-
-
total
-
11 253
-
-
Dividends
-
23 747
-
-
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.

-
306
-
-
withholding
-
5 554
-
-
total
-
5 860
-
-
Income
35 000
35 000
35 000
35 000
Total tax
8 031
17 113
7 098
7 098
After tax
26 969
17 887
27 902
27 902
Living cost
30 567
30 567
30 567
30 567
Free-cash
-3 598
-12 680
-2 665
-2 665

Estimated living cost  is ₽30567 per week

₽19228
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3564
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽571
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7205
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽29154
-₽51224
-₽27778
-₽27504
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
municipal
-
-
-
2 827
pensions
-
-
-
4 200
national
-
-
-
4 381
social contributions
-
-
-
376
total
-
-
-
11 784
Employee
79 050
-
30 257
-
municipal
9 764
-
2 963
-
pensions
3 162
-
1 210
-
national
15 130
-
4 591
-
total
28 056
-
8 764
-
Employer
79 050
-
30 257
-
social contributions
850
-
325
-
pensions
6 324
-
2 421
-
total
7 174
-
2 746
-
Corporate
-
35 000
-
-
income

Corporate income tax will depend on a type of legal entity. For LLC and Limited Partnership it is set at 20%. All other entities pay 37.6%.

-
7 000
-
-
total
-
7 000
-
-
Dividends
-
28 000
-
-
withholding
-
6 160
-
-
total
-
6 160
-
-
Income
35 000
35 000
35 000
35 000
Total tax
35 230
13 160
11 510
11 784
After tax
-230
21 840
23 490
23 216
Living cost
50 994
50 994
50 994
50 994
Free-cash
-51 224
-29 154
-27 504
-27 778

Estimated living cost  is ₽50994 per week

₽34660
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4740
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽763
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10830
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽7005
-₽1591
₽5579
-₽913
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
35 000
microenterprise
-
-
-
5 249
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.

-
-
-
3 177
total
-
-
-
8 426
Employee
29 489
-
28 205
-
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.

3 244
-
3 102
-
surtax
-
-
-
-
income
5 249
-
5 021
-
total
8 493
-
8 123
-
Employer
29 489
-
28 205
-
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.

7 103
-
6 795
-
surtax
-
-
-
-
total
7 103
-
6 795
-
Corporate
-
35 000
-
-
income

Corporate income tax rate is 20% applicable to the taxable base. However, before applying the statutory rate, the taxable base should be divided by a coefficient of 0.8. As taxable base is increased by the coefficient, the effective corporate income tax rate is 25%.

-
7 000
-
-
total
-
7 000
-
-
Dividends

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

-
28 000
-
-
total
-
-
-
-
Income
35 000
35 000
35 000
35 000
Total tax
15 596
7 000
14 918
8 426
After tax
19 404
28 000
20 082
26 574
Living cost
20 995
20 995
20 995
20 995
Free-cash
-1 591
7 005
-913
5 579

Estimated living cost  is ₽20995 per week

₽13394
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1999
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽477
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5125
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽59547
-₽65212
-₽22099
-₽65212
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
income
-
-
-
3 150
pensions
-
-
-
6 299
health
-
-
-
5 374
total
-
-
-
14 823
Employee
86 180
86 180
86 180
-
health
13 228
11 251
13 228
-
income

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

14 106
14 106
14 106
-
pensions
15 512
11 824
15 512
-
total
42 846
37 181
42 846
-
Employer
86 180
86 180
86 180
-
unemployment
3 102
3 102
3 102
-
pensions
5 998
5 998
5 998
-
health
5 990
5 990
5 990
-
total
15 090
15 090
15 090
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
35 000
35 000
35 000
35 000
Total tax
57 936
52 271
57 936
14 823
After tax
-22 936
-17 271
-22 936
20 177
Living cost
42 276
42 276
42 276
42 276
Free-cash
-65 212
-59 547
-65 212
-22 099

Estimated living cost  is ₽42276 per week

₽29960
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3811
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽672
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7833
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽19882
-₽38017
-₽21544
-₽20302
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
municipal
-
-
-
7 413
accident
-
-
-
70
pensions
-
-
-
3 783
other
-
-
-
4 067
unemployment
-
-
-
35
health
-
-
-
2 184
national
-
-
-
-
total
-
-
-
17 552
Employee
55 560
-
26 632
-
municipal
16 568
-
7 942
-
national
-
-
-
-
total
16 568
-
7 942
-
Employer
55 560
-
26 632
-
accident
111
-
53
-
other
6 456
-
3 095
-
unemployment
1 467
-
703
-
pensions
6 006
-
2 879
-
health
3 417
-
1 638
-
total
17 457
-
8 368
-
Corporate
-
35 000
-
-
income
-
7 700
-
-
total
-
7 700
-
-
Dividends
-
27 300
-
-
withholding
-
8 190
-
-
total
-
8 190
-
-
Income
35 000
35 000
35 000
35 000
Total tax
34 025
15 890
16 310
17 552
After tax
975
19 110
18 690
17 448
Living cost
38 992
38 992
38 992
38 992
Free-cash
-38 017
-19 882
-20 302
-21 544

Estimated living cost  is ₽38992 per week

₽25842
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3826
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.
₽8731
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽21939
-₽16177
-₽11743
-₽11743
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
35 000
trade
-
-
-
-
income

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

-
-
-
193
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.

-
-
-
6 894
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.

-
-
-
11
total
-
-
-
7 098
Employee

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

51 178
-
35 000
-
health

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

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

6 894
-
6 894
-
surtax

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

241
-
11
-
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.

4 397
-
193
-
total
11 532
-
7 098
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
35 000
-
-
surtax

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

-
289
-
-
income
-
5 249
-
-
trade
-
5 757
-
-
chamber of commerce
-
203
-
-
total
-
11 498
-
-
Dividends
-
23 502
-
-
surtax

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

-
303
-
-
withholding
-
5 493
-
-
total
-
5 796
-
-
Income
35 000
35 000
35 000
35 000
Total tax
11 532
17 294
7 098
7 098
After tax
23 468
17 706
27 902
27 902
Living cost
39 645
39 645
39 645
39 645
Free-cash
-16 177
-21 939
-11 743
-11 743

Estimated living cost  is ₽39645 per week

₽26515
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4181
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.
₽8358
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽20555
-₽15037
-₽4697
-₽12692
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
38 364
income
-
-
-
-
health
-
-
-
979
social contributions
-
-
-
5 985
total
-
-
-
6 964
Employee
77 601
77 601
77 601
-
social contributions
3 771
6 441
2 637
-
health
772
1 320
540
-
income
8 149
7 184
8 557
-
total
12 692
14 945
11 734
-
Employer
77 601
77 601
77 601
-
social contributions
3 771
6 441
2 637
-
health
841
1 436
588
-
total
4 612
7 877
3 225
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
35 000
35 000
35 000
35 000
Total tax
17 304
22 822
14 959
6 964
After tax
17 696
12 178
20 041
28 036
Living cost
32 733
32 733
32 733
32 733
Free-cash
-15 037
-20 555
-12 692
-4 697

Estimated living cost  is ₽32733 per week

₽22376
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2557
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽550
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7251
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽1625
₽2006
₽5910
₽1954
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
income
-
-
-
4 279
pensions
-
-
-
3 500
unemployment
-
-
-
525
health
-
-
-
2 450
total
-
-
-
10 754
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.

26 469
10 534
29 289
-
health
1 853
737
2 050
-
income
3 236
1 288
3 581
-
pensions
2 647
1 053
2 929
-
unemployment
397
158
439
-
total
8 133
3 236
8 999
-
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.

26 469
10 534
29 289
-
pensions
5 161
2 054
5 711
-
total
5 161
2 054
5 711
-
Corporate
3 370
22 412
-
-
income
303
2 017
-
-
total
303
2 017
-
-
Dividends
3 067
20 395
-
-
social contributions
478
3 857
-
-
withholding
583
3 875
-
-
total
1 061
7 732
-
-
Income
35 000
35 000
35 000
35 000
Total tax
14 658
15 039
14 710
10 754
After tax
20 342
19 961
20 290
24 246
Living cost
18 336
18 336
18 336
18 336
Free-cash
2 006
1 625
1 954
5 910

Estimated living cost  is ₽18336 per week

₽12513
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1500
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽366
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3957
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽3625
-₽3306
-₽3317
-₽1901
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
income
-
-
-
2 392
pensions
-
-
-
7 000
health
-
-
-
4 550
total
-
-
-
13 942
Employee
28 629
-
26 158
-
income
3 223
-
2 744
-
pensions
573
-
523
-
unemployment
458
-
419
-
total
4 254
-
3 686
-
Employer
28 629
-
26 158
-
unemployment
230
-
209
-
pensions
5 726
-
5 230
-
health
3 721
-
3 401
-
total
9 677
-
8 840
-
Corporate
-
35 000
-
-
income
-
7 000
-
-
total
-
7 000
-
-
Dividends
-
28 000
-
-
total
-
-
-
-
Income
35 000
35 000
35 000
35 000
Total tax
13 931
7 000
12 526
13 942
After tax
21 069
28 000
22 474
21 058
Living cost
24 375
24 375
24 375
24 375
Free-cash
-3 306
3 625
-1 901
-3 317

Estimated living cost  is ₽24375 per week

₽16719
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1452
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.
₽5715
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽19237
-₽6797
₽969
-₽3588
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
accident
-
-
-
253
income
-
-
-
4 972
pensions
-
-
-
4 174
other
-
-
-
372
health
-
-
-
2 188
total
-
-
-
11 959
Employee
34 721
-
29 075
-
health
3 975
-
3 329
-
income
4 763
-
3 989
-
pensions
3 910
-
3 273
-
total
12 648
-
10 591
-
Employer
34 721
-
29 075
-
accident
580
-
485
-
unemployment
851
-
712
-
pensions
5 646
-
4 728
-
total
7 077
-
5 925
-
Corporate
-
35 000
-
-
income

From 1 January 2017, a lowered corporate income tax rate of 9% was introduced for so-called 'small taxpayers' - entities with turnover not exceeding the equivalent of €1.2 million and for taxpayers starting business activity, during their previous tax year.

-
31 500
-
-
total
-
31 500
-
-
Dividends
-
3 500
-
-
withholding
-
665
-
-
total
-
665
-
-
Income
35 000
35 000
35 000
35 000
Total tax
19 725
32 165
16 516
11 959
After tax
15 275
2 835
18 484
23 041
Living cost
22 072
22 072
22 072
22 072
Free-cash
-6 797
-19 237
-3 588
969

Estimated living cost  is ₽22072 per week

₽16177
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1223
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽461
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4212
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽24170
₽22468
₽25570
₽18920
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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%.

-
-
-
35 000
microenterprise

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

-
-
-
350
total
-
-
-
350
Employee
11 349
-
35 000
-
income
2 270
-
7 000
-
total
2 270
-
7 000
-
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%.

23 651
35 000
-
-
total
-
-
-
-
Dividends
23 651
35 000
-
-
withholding
1 182
1 750
-
-
total
1 182
1 750
-
-
Income
35 000
35 000
35 000
35 000
Total tax
3 452
1 750
7 000
350
After tax
31 548
33 250
28 000
34 650
Living cost
9 080
9 080
9 080
9 080
Free-cash
22 468
24 170
18 920
25 570

Estimated living cost  is ₽9080 per week

₽5627
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽755
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽250
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2448
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽1177
-₽10877
-₽7940
-₽6376
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
income
-
-
-
4 445
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.

-
-
-
8 402
other
-
-
-
1 662
health
-
-
-
1 540
total
-
-
-
16 049
Employee
36 642
-
27 956
-
health
513
-
391
-
income
6 308
-
4 813
-
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.

2 564
-
1 957
-
unemployment
366
-
280
-
total
9 751
-
7 441
-
Employer
36 642
-
27 956
-
accident
293
-
224
-
other
1 833
-
1 396
-
unemployment
366
-
280
-
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.

6 230
-
4 753
-
health
513
-
391
-
total
9 235
-
7 044
-
Corporate
-
35 000
-
-
income
-
7 350
-
-
total
-
7 350
-
-
Dividends
-
27 650
-
-
withholding
-
1 936
-
-
total
-
1 936
-
-
Income
35 000
35 000
35 000
35 000
Total tax
18 986
9 286
14 485
16 049
After tax
16 014
25 714
20 515
18 951
Living cost
26 891
26 891
26 891
26 891
Free-cash
-10 877
-1 177
-6 376
-7 940

Estimated living cost  is ₽26891 per week

₽19000
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1816
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽433
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5642
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽41502
-₽73956
-₽40893
-₽43681
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
income
-
-
-
6 708
pensions
-
-
-
1 459
total
-
-
-
8 167
Employee
95 822
-
31 900
-
health
1 579
-
270
-
income
17 273
-
6 010
-
pensions
9 244
-
1 575
-
total
28 096
-
7 855
-
Employer
95 822
-
31 900
-
pensions
11 314
-
2 493
-
health
1 820
-
607
-
total
13 134
-
3 100
-
Corporate
-
35 000
-
-
income

It is proposed for this rate to fall to 17% from the financial year starting on 1 April, 2020. Also, where the taxable profits can be attributed to the exploitation of patents, a lower rate of 10% applies.

-
6 651
-
-
total
-
6 651
-
-
Dividends
-
28 349
-
-
withholding
-
2 125
-
-
total
-
2 125
-
-
Income
35 000
35 000
35 000
35 000
Total tax
41 230
8 776
10 955
8 167
After tax
-6 230
26 224
24 045
26 833
Living cost
67 726
67 726
67 726
67 726
Free-cash
-73 956
-41 502
-43 681
-40 893

Estimated living cost  is ₽67726 per week

₽50749
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽7957
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽551
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8470
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
₽16686
₽11996
₽7166
₽8861
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
income
-
-
-
5 250
pensions

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

-
-
-
5 180
unemployment
-
-
-
140
health
-
-
-
4 025
total
-
-
-
14 595
Employee
17 531
-
29 259
-
health
806
-
1 346
-
accident

We are using the highest rate at 1.1%.

193
-
321
-
income
1 753
-
2 926
-
pensions

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

1 539
-
2 569
-
total
4 291
-
7 162
-
Employer
17 531
-
29 259
-
accident

We are using the highest rate at 1.1%.

193
-
321
-
unemployment
105
-
175
-
pensions

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

1 932
-
3 224
-
health
1 210
-
2 018
-
total
3 440
-
5 738
-
Corporate
14 029
35 000
-
-
income
1 403
3 500
-
-
total
1 403
3 500
-
-
Dividends
12 626
31 500
-
-
withholding
631
1 575
-
-
total
631
1 575
-
-
Income
35 000
35 000
35 000
35 000
Total tax
9 765
5 075
12 900
14 595
After tax
25 235
29 925
22 100
20 405
Living cost
13 239
13 239
13 239
13 239
Free-cash
11 996
16 686
8 861
7 166

Estimated living cost  is ₽13239 per week

₽7729
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽945
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽351
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4214
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽73232
-₽74946
-₽35784
-₽78897
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
income
-
-
-
3 150
pensions
-
-
-
6 299
health
-
-
-
5 374
total
-
-
-
14 823
Employee
93 564
86 180
86 180
-
health
11 673
11 251
13 228
-
income

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

14 106
14 106
14 106
-
pensions
11 824
11 824
15 512
-
total
37 603
37 181
42 846
-
Employer
93 564
86 180
86 180
-
unemployment
3 369
3 102
3 102
-
pensions
6 511
5 998
5 998
-
health
6 502
5 990
5 990
-
total
16 382
15 090
15 090
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
35 000
35 000
35 000
35 000
Total tax
53 985
52 271
57 936
14 823
After tax
-18 985
-17 271
-22 936
20 177
Living cost
55 961
55 961
55 961
55 961
Free-cash
-74 946
-73 232
-78 897
-35 784

Estimated living cost  is ₽55961 per week

₽41280
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4998
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽642
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9041
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽73
-₽12630
-₽7124
-₽6410
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
income
-
-
-
3 008
health
-
-
-
4 725
solidarity contribution
-
-
-
-
social contributions
-
-
-
10 220
total
-
-
-
17 953
Employee
35 546
-
26 119
-
social contributions
2 310
-
1 698
-
health
4 799
-
3 526
-
solidarity contribution
-
-
-
-
income
4 265
-
3 134
-
total
11 374
-
8 358
-
Employer
35 546
-
26 119
-
social contributions
8 886
-
6 530
-
health
3 199
-
2 351
-
total
12 085
-
8 881
-
Corporate
-
35 000
-
-
income
-
6 650
-
-
total
-
6 650
-
-
Dividends
-
28 350
-
-
withholding
-
4 252
-
-
total
-
4 252
-
-
Income
35 000
35 000
35 000
35 000
Total tax
23 459
10 902
17 239
17 953
After tax
11 541
24 098
17 761
17 047
Living cost
24 171
24 171
24 171
24 171
Free-cash
-12 630
-73
-6 410
-7 124

Estimated living cost  is ₽24171 per week

₽16789
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1720
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.
₽5187
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽23910
-₽54689
-₽23095
-₽25194
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
municipal
-
-
-
209
regional
-
-
-
320
national
-
-
-
5 979
social contributions
-
-
-
9 003
total
-
-
-
15 511
Employee
89 690
-
35 000
-
social contributions
30 243
-
11 803
-
regional
846
-
285
-
municipal
475
-
186
-
national
15 541
-
5 336
-
total
47 105
-
17 610
-
Employer
89 690
-
35 000
-
total
-
-
-
-
Corporate
-
35 000
-
-
nationa
-
8 400
-
-
municipal
-
1 365
-
-
total
-
9 765
-
-
Dividends
-
25 235
-
-
withholding
-
6 561
-
-
total
-
6 561
-
-
Income
35 000
35 000
35 000
35 000
Total tax
47 105
16 326
17 610
15 511
After tax
-12 105
18 674
17 390
19 489
Living cost
42 584
42 584
42 584
42 584
Free-cash
-54 689
-23 910
-25 194
-23 095

Estimated living cost  is ₽42584 per week

₽29684
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2792
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽653
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9453
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽256
-₽5397
-₽2093
-₽2908
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
income
-
-
-
5 058
pensions
-
-
-
7 000
other
-
-
-
-
unemployment
-
-
-
230
health
-
-
-
2 486
surtax
-
-
-
50
total
-
-
-
14 824
Employee
33 373
-
28 912
-
other
-
-
-
-
health
852
-
737
-
surtax
109
-
27
-
income
5 594
-
4 847
-
pensions
2 225
-
1 929
-
unemployment
2 323
-
2 013
-
total
11 103
-
9 553
-
Employer
33 373
-
28 912
-
other
-
-
-
-
unemployment
1 057
-
917
-
pensions
4 449
-
3 853
-
health
1 519
-
1 316
-
total
7 025
-
6 086
-
Corporate
-
35 000
-
-
income
-
9 101
-
-
total
-
9 101
-
-
Dividends
-
25 899
-
-
withholding
-
3 886
-
-
total
-
3 886
-
-
Income
35 000
35 000
35 000
35 000
Total tax
18 128
12 987
15 639
14 824
After tax
16 872
22 013
19 361
20 176
Living cost
22 269
22 269
22 269
22 269
Free-cash
-5 397
-256
-2 908
-2 093

Estimated living cost  is ₽22269 per week

₽13616
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2055
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽513
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6084
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽20045
-₽37390
-₽19436
-₽22224
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
income
-
-
-
6 708
pensions
-
-
-
1 459
total
-
-
-
8 167
Employee
64 218
-
31 900
-
health
932
-
270
-
income
11 566
-
6 010
-
pensions
5 451
-
1 575
-
total
17 949
-
7 855
-
Employer
64 218
-
31 900
-
pensions
6 952
-
2 493
-
health
1 220
-
607
-
total
8 172
-
3 100
-
Corporate
-
35 000
-
-
income

It is proposed for this rate to fall to 17% from the financial year starting on 1 April, 2020. Also, where the taxable profits can be attributed to the exploitation of patents, a lower rate of 10% applies.

-
6 651
-
-
total
-
6 651
-
-
Dividends
-
28 349
-
-
withholding
-
2 125
-
-
total
-
2 125
-
-
Income
35 000
35 000
35 000
35 000
Total tax
26 121
8 776
10 955
8 167
After tax
8 879
26 224
24 045
26 833
Living cost
46 269
46 269
46 269
46 269
Free-cash
-37 390
-20 045
-22 224
-19 436

Estimated living cost  is ₽46269 per week

₽34664
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3468
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.
₽7652
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details

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
-₽60271
-₽62764
-₽46268
-₽49081
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
city
-
-
-
366
pensions
-
-
-
3 221
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.

-
-
-
699
regional
-
-
-
439
health
-
-
-
249
national
-
-
-
20
total
-
-
-
4 994
Employee
89 260
-
30 776
-
city
958
-
323
-
regional
2 923
-
329
-
health
202
-
69
-
pensions
7 499
-
3 201
-
unemployment
-
-
-
-
national
422
-
-
-
total
12 004
-
3 922
-
Employer
89 260
-
30 776
-
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.

1 785
-
615
-
unemployment
-
-
-
-
pensions
7 499
-
3 201
-
health
202
-
69
-
total
9 486
-
3 885
-
Corporate
-
35 000
-
-
regional
-
7 403
-
-
national
-
2 976
-
-
total
-
10 379
-
-
Dividends
-
24 621
-
-
withholding
-
8 618
-
-
total
-
8 618
-
-
Income
35 000
35 000
35 000
35 000
Total tax
21 490
18 997
7 807
4 994
After tax
13 510
16 003
27 193
30 006
Living cost
76 274
76 274
76 274
76 274
Free-cash
-62 764
-60 271
-49 081
-46 268

Estimated living cost  is ₽76274 per week

₽49600
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6845
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽936
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽18893
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽28704
-₽25650
-₽18329
-₽18329
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
35 000
trade
-
-
-
-
income

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

-
-
-
193
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.

-
-
-
6 894
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.

-
-
-
11
total
-
-
-
7 098
Employee

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

60 650
-
35 000
-
health

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

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

6 894
-
6 894
-
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.

393
-
11
-
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.

7 132
-
193
-
total
14 419
-
7 098
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
35 000
-
-
surtax

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

-
289
-
-
income
-
5 249
-
-
trade
-
6 002
-
-
chamber of commerce
-
203
-
-
total
-
11 743
-
-
Dividends
-
23 257
-
-
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.

-
299
-
-
withholding
-
5 431
-
-
total
-
5 730
-
-
Income
35 000
35 000
35 000
35 000
Total tax
14 419
17 473
7 098
7 098
After tax
20 581
17 527
27 902
27 902
Living cost
46 231
46 231
46 231
46 231
Free-cash
-25 650
-28 704
-18 329
-18 329

Estimated living cost  is ₽46231 per week

₽33765
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3698
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽601
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8168
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽16888
-₽21678
-₽13037
-₽12183
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
income
-
-
-
419
pensions
-
-
-
10 702
other
-
-
-
1 086
health
-
-
-
305
surtax
-
-
-
-
social contributions
-
-
-
998
total
-
-
-
13 510
Employee
43 191
-
26 671
-
social contributions
1 231
-
758
-
surtax
-
-
-
-
income
2 549
-
552
-
pensions
4 884
-
3 018
-
total
8 664
-
4 328
-
Employer
43 191
-
26 671
-
other
1 490
-
919
-
social contributions
130
-
80
-
unemployment
1 748
-
1 080
-
pensions
7 095
-
4 382
-
health
3 024
-
1 867
-
total
13 487
-
8 328
-
Corporate
-
35 000
-
-
surtax
-
-
-
-
income
-
9 800
-
-
total
-
9 800
-
-
Dividends
-
25 200
-
-
surtax
-
-
-
-
social contributions
-
4 336
-
-
withholding
-
3 225
-
-
total
-
7 561
-
-
Income
35 000
35 000
35 000
35 000
Total tax
22 151
17 361
12 656
13 510
After tax
12 849
17 639
22 344
21 490
Living cost
34 527
34 527
34 527
34 527
Free-cash
-21 678
-16 888
-12 183
-13 037

Estimated living cost  is ₽34527 per week

₽21771
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2808
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.
₽9363
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽13468
-₽15595
-₽9617
-₽8763
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
income
-
-
-
419
pensions
-
-
-
10 702
other
-
-
-
1 086
health
-
-
-
305
surtax
-
-
-
-
social contributions
-
-
-
998
total
-
-
-
13 510
Employee
38 554
-
26 671
-
social contributions
1 099
-
758
-
surtax
-
-
-
-
income
1 988
-
552
-
pensions
4 361
-
3 018
-
total
7 448
-
4 328
-
Employer
38 554
-
26 671
-
other
1 331
-
919
-
social contributions
115
-
80
-
unemployment
1 561
-
1 080
-
pensions
6 335
-
4 382
-
health
2 698
-
1 867
-
total
12 040
-
8 328
-
Corporate
-
35 000
-
-
surtax
-
-
-
-
income
-
9 800
-
-
total
-
9 800
-
-
Dividends
-
25 200
-
-
surtax
-
-
-
-
social contributions
-
4 336
-
-
withholding
-
3 225
-
-
total
-
7 561
-
-
Income
35 000
35 000
35 000
35 000
Total tax
19 488
17 361
12 656
13 510
After tax
15 512
17 639
22 344
21 490
Living cost
31 107
31 107
31 107
31 107
Free-cash
-15 595
-13 468
-8 763
-9 617

Estimated living cost  is ₽31107 per week

₽18040
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3160
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽590
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9317
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽46
-₽2017
₽1078
₽440
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
income
-
-
-
5 249
health
-
-
-
2 444
social contributions
-
-
-
4 830
total
-
-
-
12 523
Employee
34 217
-
35 000
-
social contributions
4 723
-
4 830
-
health
2 388
-
2 444
-
income
5 707
-
5 887
-
total
12 818
-
13 161
-
Employer
34 217
-
35 000
-
total
-
-
-
-
Corporate
783
35 000
-
-
income

The standard tax rate is 15%. However, small companies and agricultural companies can apply a reduced corporate income tax rate of 0% to the first year of operation when certain conditions are met; and 5% to revenues of less than €300,000 per year. We made calculations based on 5% and skipped 0%.

38
1 750
-
-
total
38
1 750
-
-
Dividends
744
33 250
-
-
health
891
2 321
-
-
social contributions
1 760
4 589
-
-
withholding
111
4 987
-
-
total
2 762
11 897
-
-
Income
35 000
35 000
35 000
35 000
Total tax
15 618
13 647
13 161
12 523
After tax
19 382
21 353
21 839
22 477
Living cost
21 399
21 399
21 399
21 399
Free-cash
-2 017
-46
440
1 078

Estimated living cost  is ₽21399 per week

₽14321
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1320
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽492
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5265
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Vilnius model

Close
Vienna , Austria
-₽23543
-₽31106
-₽16241
-₽23381
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
chamber of commerce
-
-
-
140
income
-
-
-
-
pensions
-
-
-
6 475
unemployment
-
-
-
6 190
health
-
-
-
2 677
surtax
-
-
-
199
total
-
-
-
15 681
Employee
50 434
40 217
40 217
-
other
504
402
262
-
health
1 952
1 557
1 015
-
income
5 742
2 967
3 700
-
pensions
5 165
4 117
2 687
-
unemployment
1 513
1 207
787
-
total
14 876
10 250
8 451
-
Employer
50 434
40 217
40 217
-
accident
655
523
341
-
other
2 396
1 909
1 791
-
chamber of commerce
201
161
161
-
unemployment
1 513
1 207
787
-
surtax
199
199
199
-
pensions
6 329
5 048
3 292
-
payroll
1 513
1 207
1 207
-
health
1 906
1 521
992
-
total
14 712
11 775
8 770
-
Corporate
3 830
3 830
22 400
-
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.

958
958
5 600
-
total
958
958
5 600
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
35 000
35 000
35 000
35 000
Total tax
30 546
22 983
22 821
15 681
After tax
4 454
12 017
12 179
19 319
Living cost
35 560
35 560
35 560
35 560
Free-cash
-31 106
-23 543
-23 381
-16 241

Estimated living cost  is ₽35560 per week

₽23717
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3034
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.
₽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

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
-₽16926
-₽58199
-₽15115
-₽20538
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
national
-
-
-
9 433
communal

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

-
-
-
1 986
social contributions
-
-
-
1 900
total
-
-
-
13 319
Employee

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

72 187
-
27 106
-
communal

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

3 765
-
1 413
-
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.

3 392
-
1 274
-
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.

5 414
-
2 034
-
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.

628
-
236
-
national
22 193
-
5 891
-
total
35 392
-
10 848
-
Employer

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

72 187
-
27 106
-
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.

938
-
352
-
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.

1 053
-
396
-
surtax
8 185
-
3 076
-
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.

6 396
-
2 402
-
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.

4 439
-
1 668
-
total
21 011
-
7 894
-
Corporate
-
35 000
-
-
surtax
-
140
-
-
income
-
7 000
-
-
total
-
7 140
-
-
Dividends
-
27 860
-
-
withholding

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

-
7 990
-
-
total
-
7 990
-
-
Income
35 000
35 000
35 000
35 000
Total tax
56 403
15 130
18 742
13 319
After tax
-21 403
19 870
16 258
21 681
Living cost
36 796
36 796
36 796
36 796
Free-cash
-58 199
-16 926
-20 538
-15 115

Estimated living cost  is ₽36796 per week

₽23701
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3217
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽576
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9302
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽12712
-₽31248
-₽16631
-₽18532
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
accident
-
-
-
314
income
-
-
-
4 687
pensions
-
-
-
9 905
other
-
-
-
34
unemployment
-
-
-
245
total
-
-
-
15 185
Employee
50 235
-
24 256
-
other
50
-
34
-
income
10 599
-
4 202
-
pensions
2 361
-
1 584
-
unemployment
779
-
523
-
total
13 789
-
6 343
-
Employer
50 235
-
24 256
-
accident
994
-
666
-
other
400
-
270
-
unemployment
2 764
-
1 854
-
pensions
11 855
-
7 953
-
total
16 013
-
10 743
-
Corporate
-
35 000
-
-
income

The general rate of corporate tax is 25%. The lower rate of 15% is introduced for newly formed companies which applies during the first two years of operation in which taxable profit is made. We use the lower rate in our model.

-
5 249
-
-
total
-
5 249
-
-
Dividends
-
29 751
-
-
withholding
-
6 017
-
-
total
-
6 017
-
-
Income
35 000
35 000
35 000
35 000
Total tax
29 802
11 266
17 086
15 185
After tax
5 198
23 734
17 914
19 815
Living cost
36 446
36 446
36 446
36 446
Free-cash
-31 248
-12 712
-18 532
-16 631

Estimated living cost  is ₽36446 per week

₽26838
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2585
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽525
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6496
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽32821
-₽50555
-₽33325
-₽33328
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
accident
-
-
-
433
income
-
-
-
136
pensions
-
-
-
7 683
health
-
-
-
3 600
surtax
-
-
-
1 630
communal
-
-
-
-
total
-
-
-
13 482
Employee
76 425
-
29 260
-
health
3 401
-
2 137
-
surtax
4 684
-
1 630
-
income
7 382
-
136
-
pensions
6 113
-
3 842
-
total
21 580
-
7 745
-
Employer
76 425
-
29 260
-
accident
688
-
433
-
pensions
6 113
-
3 842
-
health
2 331
-
1 465
-
total
9 132
-
5 740
-
Corporate
-
35 000
-
-
surtax
-
368
-
-
communal
-
2 363
-
-
income
-
5 249
-
-
total
-
7 980
-
-
Dividends
-
27 020
-
-
income
-
946
-
-
withholding
-
4 052
-
-
total
-
4 998
-
-
Income
35 000
35 000
35 000
35 000
Total tax
30 712
12 978
13 485
13 482
After tax
4 288
22 022
21 515
21 518
Living cost
54 843
54 843
54 843
54 843
Free-cash
-50 555
-32 821
-33 328
-33 325

Estimated living cost  is ₽54843 per week

₽41140
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3323
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.
₽9798
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽654
-₽6139
-₽2491
-₽3306
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
income
-
-
-
5 058
pensions
-
-
-
7 000
other
-
-
-
-
unemployment
-
-
-
230
health
-
-
-
2 486
surtax
-
-
-
50
total
-
-
-
14 824
Employee
33 986
-
28 912
-
other
-
-
-
-
health
868
-
737
-
surtax
121
-
27
-
income
5 697
-
4 847
-
pensions
2 267
-
1 929
-
unemployment
2 365
-
2 013
-
total
11 318
-
9 553
-
Employer
33 986
-
28 912
-
other
-
-
-
-
unemployment
1 078
-
917
-
pensions
4 531
-
3 853
-
health
1 545
-
1 316
-
total
7 154
-
6 086
-
Corporate
-
35 000
-
-
income
-
9 101
-
-
total
-
9 101
-
-
Dividends
-
25 899
-
-
withholding
-
3 886
-
-
total
-
3 886
-
-
Income
35 000
35 000
35 000
35 000
Total tax
18 472
12 987
15 639
14 824
After tax
16 528
22 013
19 361
20 176
Living cost
22 667
22 667
22 667
22 667
Free-cash
-6 139
-654
-3 306
-2 491

Estimated living cost  is ₽22667 per week

₽13685
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1971
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽527
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6486
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽8788
-₽20982
-₽7905
-₽9981
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
municipal
-
-
-
209
regional
-
-
-
529
national
-
-
-
5 979
social contributions
-
-
-
9 003
total
-
-
-
15 720
Employee
55 981
-
35 000
-
social contributions
18 877
-
11 803
-
regional
754
-
471
-
municipal
297
-
186
-
national
8 869
-
5 336
-
total
28 797
-
17 796
-
Employer
55 981
-
35 000
-
total
-
-
-
-
Corporate
-
35 000
-
-
nationa
-
8 400
-
-
municipal
-
1 739
-
-
total
-
10 139
-
-
Dividends
-
24 861
-
-
withholding
-
6 464
-
-
total
-
6 464
-
-
Income
35 000
35 000
35 000
35 000
Total tax
28 797
16 603
17 796
15 720
After tax
6 203
18 397
17 204
19 280
Living cost
27 185
27 185
27 185
27 185
Free-cash
-20 982
-8 788
-9 981
-7 905

Estimated living cost  is ₽27185 per week

₽16907
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2754
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽465
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7059
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽5687
-₽23693
-₽12738
-₽12024
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
income
-
-
-
3 008
health
-
-
-
4 725
solidarity contribution
-
-
-
-
social contributions
-
-
-
10 220
total
-
-
-
17 953
Employee
43 801
-
26 119
-
social contributions
2 847
-
1 698
-
health
5 913
-
3 526
-
solidarity contribution
-
-
-
-
income
5 256
-
3 134
-
total
14 016
-
8 358
-
Employer
43 801
-
26 119
-
social contributions
10 950
-
6 530
-
health
3 942
-
2 351
-
total
14 892
-
8 881
-
Corporate
-
35 000
-
-
income
-
6 650
-
-
total
-
6 650
-
-
Dividends
-
28 350
-
-
withholding
-
4 252
-
-
total
-
4 252
-
-
Income
35 000
35 000
35 000
35 000
Total tax
28 908
10 902
17 239
17 953
After tax
6 092
24 098
17 761
17 047
Living cost
29 785
29 785
29 785
29 785
Free-cash
-23 693
-5 687
-12 024
-12 738

Estimated living cost  is ₽29785 per week

₽22150
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1650
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽515
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5470
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽19981
-₽22767
-₽12679
-₽19913
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
chamber of commerce
-
-
-
140
income
-
-
-
-
pensions
-
-
-
6 475
unemployment
-
-
-
6 190
health
-
-
-
2 677
surtax
-
-
-
-
total
-
-
-
15 482
Employee
44 114
40 217
40 217
-
other
440
402
264
-
health
1 706
1 557
1 021
-
income
3 930
2 967
3 690
-
pensions
4 518
4 117
2 702
-
unemployment
1 323
1 207
791
-
total
11 917
10 250
8 468
-
Employer
44 114
40 217
40 217
-
accident
573
523
343
-
other
2 095
1 909
1 793
-
chamber of commerce
176
161
161
-
unemployment
1 323
1 207
791
-
surtax
-
-
-
-
pensions
5 537
5 048
3 313
-
payroll
1 323
1 207
1 207
-
health
1 668
1 521
998
-
total
12 695
11 576
8 606
-
Corporate
3 830
3 830
22 565
-
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.

958
958
5 642
-
total
958
958
5 642
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
35 000
35 000
35 000
35 000
Total tax
25 570
22 784
22 716
15 482
After tax
9 430
12 216
12 284
19 518
Living cost
32 197
32 197
32 197
32 197
Free-cash
-22 767
-19 981
-19 913
-12 679

Estimated living cost  is ₽32197 per week

₽19314
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3288
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.
₽9020
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽19101
₽16448
₽20501
₽13851
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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%.

-
-
-
35 000
microenterprise

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

-
-
-
350
total
-
-
-
350
Employee
17 686
-
35 000
-
income
3 537
-
7 000
-
total
3 537
-
7 000
-
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%.

17 314
35 000
-
-
total
-
-
-
-
Dividends
17 314
35 000
-
-
withholding
866
1 750
-
-
total
866
1 750
-
-
Income
35 000
35 000
35 000
35 000
Total tax
4 403
1 750
7 000
350
After tax
30 597
33 250
28 000
34 650
Living cost
14 149
14 149
14 149
14 149
Free-cash
16 448
19 101
13 851
20 501

Estimated living cost  is ₽14149 per week

₽9575
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽594
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽474
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3505
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽2971
-₽16575
-₽7048
-₽8156
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
35 000
income
-
-
-
5 091
pensions
-
-
-
6 393
unemployment
-
-
-
52
health
-
-
-
3 443
total
-
-
-
14 979
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.

44 626
-
30 285
-
health
2 882
-
1 957
-
income
7 696
-
4 679
-
pensions
6 917
-
4 694
-
unemployment
63
-
42
-
total
17 558
-
11 372
-
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.

44 626
-
30 285
-
unemployment
27
-
17
-
pensions
3 949
-
2 681
-
health
2 972
-
2 017
-
total
6 948
-
4 715
-
Corporate
-
35 000
-
-
income
-
6 649
-
-
total
-
6 649
-
-
Dividends
-
28 351
-
-
withholding
-
4 253
-
-
total
-
4 253
-
-
Income
35 000
35 000
35 000
35 000
Total tax
24 506
10 902
16 087
14 979
After tax
10 494
24 098
18 913
20 021
Living cost
27 069
27 069
27 069
27 069
Free-cash
-16 575
-2 971
-8 156
-7 048

Estimated living cost  is ₽27069 per week

₽18577
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1735
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽525
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6234
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽22290
-₽115609
-₽19396
-₽22450
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
income
-
-
-
6 822
social contributions
-
-
-
3 990
total
-
-
-
10 812
Employee
62 493
-
3 357
-
social contributions
5 124
-
730
-
income
13 785
-
578
-
total
18 909
-
1 308
-
Employer
62 493
-
3 357
-
social contributions
88 116
-
12 558
-
total
88 116
-
12 558
-
Corporate
-
35 000
-
-
income
-
7 700
-
-
total
-
7 700
-
-
Dividends
-
27 300
-
-
income
-
6 006
-
-
total
-
6 006
-
-
Income
35 000
35 000
35 000
35 000
Total tax
107 025
13 706
13 866
10 812
After tax
-72 025
21 294
21 134
24 188
Living cost
43 584
43 584
43 584
43 584
Free-cash
-115 609
-22 290
-22 450
-19 396

Estimated living cost  is ₽43584 per week

₽28279
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4099
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽555
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10650
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽11748
-₽22438
-₽10904
-₽11373
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
35 000
income
-
-
-
2 086
surtax
-
-
-
-
social contributions

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

-
-
-
12 163
total
-
-
-
14 249
Employee
46 415
-
28 282
-
social contributions
5 106
-
3 110
-
surtax
-
-
-
-
income
9 654
-
4 892
-
total
14 760
-
8 002
-
Employer
46 415
-
28 282
-
social contributions
11 023
-
6 716
-
total
11 023
-
6 716
-
Corporate
-
35 000
-
-
surtax
-
-
-
-
income
-
7 350
-
-
total
-
7 350
-
-
Dividends
-
27 650
-
-
withholding
-
7 743
-
-
total
-
7 743
-
-
Income
35 000
35 000
35 000
35 000
Total tax
25 783
15 093
14 718
14 249
After tax
9 217
19 907
20 282
20 751
Living cost
31 655
31 655
31 655
31 655
Free-cash
-22 438
-11 748
-11 373
-10 904

Estimated living cost  is ₽31655 per week

₽23684
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1867
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽529
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5575
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽31103
-₽47948
-₽27252
-₽26398
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
income
-
-
-
419
pensions
-
-
-
10 702
other
-
-
-
1 086
health
-
-
-
305
surtax
-
-
-
-
social contributions
-
-
-
998
total
-
-
-
13 510
Employee
63 207
-
26 671
-
social contributions
1 800
-
758
-
surtax
-
-
-
-
income
5 515
-
552
-
pensions
7 149
-
3 018
-
total
14 464
-
4 328
-
Employer
63 207
-
26 671
-
other
2 181
-
919
-
social contributions
190
-
80
-
unemployment
2 561
-
1 080
-
pensions
10 386
-
4 382
-
health
4 424
-
1 867
-
total
19 742
-
8 328
-
Corporate
-
35 000
-
-
surtax
-
-
-
-
income
-
9 800
-
-
total
-
9 800
-
-
Dividends
-
25 200
-
-
surtax
-
-
-
-
social contributions
-
4 336
-
-
withholding
-
3 225
-
-
total
-
7 561
-
-
Income
35 000
35 000
35 000
35 000
Total tax
34 206
17 361
12 656
13 510
After tax
794
17 639
22 344
21 490
Living cost
48 742
48 742
48 742
48 742
Free-cash
-47 948
-31 103
-26 398
-27 252

Estimated living cost  is ₽48742 per week

₽32988
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3987
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽668
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽11098
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽1163
-₽2474
-₽3037
-₽2005
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
income
-
-
-
-
social contributions
-
-
-
7 701
total
-
-
-
7 701
Employee
32 444
-
30 302
-
income
-
-
-
-
social contributions
2 109
-
1 971
-
total
2 109
-
1 971
-
Employer
32 444
-
30 302
-
social contributions
5 029
-
4 698
-
total
5 029
-
4 698
-
Corporate
-
35 000
-
-
income
-
3 501
-
-
total
-
3 501
-
-
Dividends
-
31 499
-
-
total
-
-
-
-
Income
35 000
35 000
35 000
35 000
Total tax
7 138
3 501
6 669
7 701
After tax
27 862
31 499
28 331
27 299
Living cost
30 336
30 336
30 336
30 336
Free-cash
-2 474
1 163
-2 005
-3 037

Estimated living cost  is ₽30336 per week

₽19615
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2287
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽571
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7863
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽184973
-₽184973
-₽24425
-₽184973
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
municipal
-
-
-
4 490
pensions
-
-
-
875
national
-
-
-
2 707
labour market
-
-
-
2 730
total
-
-
-
10 802
Employee
205 227
205 227
205 227
-
labour market
16 395
16 395
16 395
-
national
25 072
25 072
25 072
-
municipal
43 702
43 702
43 702
-
pensions
292
292
292
-
total
85 461
85 461
85 461
-
Employer
205 227
205 227
205 227
-
labour market
16 418
16 418
16 418
-
municipal
43 772
43 772
43 772
-
pensions
583
583
583
-
national
25 116
25 116
25 116
-
total
85 889
85 889
85 889
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
35 000
35 000
35 000
35 000
Total tax
171 350
171 350
171 350
10 802
After tax
-136 350
-136 350
-136 350
24 198
Living cost
48 623
48 623
48 623
48 623
Free-cash
-184 973
-184 973
-184 973
-24 425

Estimated living cost  is ₽48623 per week

₽33278
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4301
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽748
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10296
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽18911
-₽6179
₽1295
-₽3262
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
accident
-
-
-
253
income
-
-
-
4 972
pensions
-
-
-
4 174
other
-
-
-
372
health
-
-
-
2 188
total
-
-
-
11 959
Employee
34 209
-
29 075
-
health
3 917
-
3 329
-
income
4 693
-
3 989
-
pensions
3 852
-
3 273
-
total
12 462
-
10 591
-
Employer
34 209
-
29 075
-
accident
571
-
485
-
unemployment
838
-
712
-
pensions
5 562
-
4 728
-
total
6 971
-
5 925
-
Corporate
-
35 000
-
-
income

From 1 January 2017, a lowered corporate income tax rate of 9% was introduced for so-called 'small taxpayers' - entities with turnover not exceeding the equivalent of €1.2 million and for taxpayers starting business activity, during their previous tax year.

-
31 500
-
-
total
-
31 500
-
-
Dividends
-
3 500
-
-
withholding
-
665
-
-
total
-
665
-
-
Income
35 000
35 000
35 000
35 000
Total tax
19 433
32 165
16 516
11 959
After tax
15 567
2 835
18 484
23 041
Living cost
21 746
21 746
21 746
21 746
Free-cash
-6 179
-18 911
-3 262
1 295

Estimated living cost  is ₽21746 per week

₽15829
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1240
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽408
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4269
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽14525
-₽28114
-₽10213
-₽16622
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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

-
-
-
35 000
municipal
-
-
-
6 278
health
-
-
-
119
national
-
-
-
71
total
-
-
-
6 468
Employee
53 095
-
29 444
-
health
396
-
33
-
municipal
8 697
-
4 857
-
pensions
3 583
-
1 988
-
unemployment
797
-
442
-
national
877
-
-
-
total
14 350
-
7 320
-
Employer
53 095
-
29 444
-
accident
54
-
29
-
unemployment
345
-
192
-
pensions
9 212
-
5 110
-
health
408
-
226
-
total
10 019
-
5 557
-
Corporate
-
35 000
-
-
income
-
7 000
-
-
total
-
7 000
-
-
Dividends

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

-
21 000
-
-
national
-
-
-
-
municipal
-
3 780
-
-
total
-
3 780
-
-
Income
35 000
35 000
35 000
35 000
Total tax
24 369
10 780
12 877
6 468
After tax
10 631
24 220
22 123
28 532
Living cost
38 745
38 745
38 745
38 745
Free-cash
-28 114
-14 525
-16 622
-10 213

Estimated living cost  is ₽38745 per week

₽25308
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3727
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽617
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9095
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽11187
-₽3936
₽4671
-₽3324
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
38 364
income
-
-
-
-
health
-
-
-
979
social contributions
-
-
-
5 985
total
-
-
-
6 964
Employee
77 601
77 601
77 601
-
social contributions
2 934
6 441
2 637
-
health
601
1 320
540
-
income
8 449
7 184
8 557
-
total
11 984
14 945
11 734
-
Employer
77 601
77 601
77 601
-
social contributions
2 934
6 441
2 637
-
health
653
1 436
588
-
total
3 587
7 877
3 225
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
35 000
35 000
35 000
35 000
Total tax
15 571
22 822
14 959
6 964
After tax
19 429
12 178
20 041
28 036
Living cost
23 365
23 365
23 365
23 365
Free-cash
-3 936
-11 187
-3 324
4 671

Estimated living cost  is ₽23365 per week

₽14003
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2292
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.
₽6554
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽12960
₽7826
₽6494
₽5799
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
35 000
income
-
-
-
2 383
pensions
-
-
-
6 419
unemployment
-
-
-
29
health
-
-
-
3 652
total
-
-
-
12 483
Employee

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

23 164
-
31 733
-
health
1 969
-
2 696
-
income
1 584
-
2 296
-
pensions
3 474
-
4 759
-
unemployment
115
-
159
-
total
7 142
-
9 910
-
Employer

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

23 164
-
31 733
-
unemployment
115
-
159
-
pensions
1 274
-
1 745
-
health
996
-
1 364
-
total
2 385
-
3 268
-
Corporate
9 451
35 000
-
-
income
850
3 150
-
-
total
850
3 150
-
-
Dividends
8 601
31 850
-
-
withholding
774
2 867
-
-
total
774
2 867
-
-
Income
35 000
35 000
35 000
35 000
Total tax
11 151
6 017
13 178
12 483
After tax
23 849
28 983
21 822
22 517
Living cost
16 023
16 023
16 023
16 023
Free-cash
7 826
12 960
5 799
6 494

Estimated living cost  is ₽16023 per week

₽10223
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1155
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽477
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4167
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽4017
-₽14210
-₽7936
-₽9837
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
accident
-
-
-
314
income
-
-
-
4 687
pensions
-
-
-
9 905
other
-
-
-
34
unemployment
-
-
-
245
total
-
-
-
15 185
Employee
37 315
-
24 256
-
other
36
-
34
-
income
7 194
-
4 202
-
pensions
1 754
-
1 584
-
unemployment
578
-
523
-
total
9 562
-
6 343
-
Employer
37 315
-
24 256
-
accident
739
-
666
-
other
299
-
270
-
unemployment
2 053
-
1 854
-
pensions
8 806
-
7 953
-
total
11 897
-
10 743
-
Corporate
-
35 000
-
-
income

The general rate of corporate tax is 25%. The lower rate of 15% is introduced for newly formed companies which applies during the first two years of operation in which taxable profit is made. We use the lower rate in our model.

-
5 249
-
-
total
-
5 249
-
-
Dividends
-
29 751
-
-
withholding
-
6 017
-
-
total
-
6 017
-
-
Income
35 000
35 000
35 000
35 000
Total tax
21 459
11 266
17 086
15 185
After tax
13 541
23 734
17 914
19 815
Living cost
27 751
27 751
27 751
27 751
Free-cash
-14 210
-4 017
-9 837
-7 936

Estimated living cost  is ₽27751 per week

₽18732
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2668
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.
₽5866
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽19084
₽18630
₽18376
₽18178
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
income
-
-
-
10 401
pensions
-
-
-
2 010
health
-
-
-
1 457
total
-
-
-
13 868
Employee
4 198
-
32 738
-
health
210
-
503
-
income
812
-
10 295
-
pensions
378
-
905
-
unemployment
42
-
101
-
total
1 442
-
11 804
-
Employer
4 198
-
32 738
-
unemployment
84
-
201
-
pensions
462
-
1 106
-
health
399
-
955
-
total
945
-
2 262
-
Corporate
29 858
35 000
-
-
income
6 569
7 700
-
-
total
6 569
7 700
-
-
Dividends
23 289
27 300
-
-
withholding
4 658
5 460
-
-
total
4 658
5 460
-
-
Income
35 000
35 000
35 000
35 000
Total tax
13 614
13 160
14 066
13 868
After tax
21 386
21 840
20 934
21 132
Living cost
2 756
2 756
2 756
2 756
Free-cash
18 630
19 084
18 178
18 376

Estimated living cost  is ₽2756 per week

₽1638
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽223
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽63
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽832
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽7835
₽2870
₽517
₽2023
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
35 000
income
-
-
-
3 800
pensions
-
-
-
9 100
unemployment
-
-
-
525
health
-
-
-
3 605
total
-
-
-
17 030
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.

26 319
-
29 686
-
health
1 355
-
1 529
-
income
3 628
-
4 302
-
pensions
3 685
-
4 156
-
unemployment
197
-
223
-
total
8 865
-
10 210
-
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.

26 319
-
29 686
-
unemployment
197
-
223
-
pensions
3 158
-
3 562
-
health
1 355
-
1 529
-
total
4 710
-
5 314
-
Corporate
3 970
35 000
-
-
income
596
5 250
-
-
total
596
5 250
-
-
Dividends
3 375
29 750
-
-
withholding
506
4 462
-
-
total
506
4 462
-
-
Income
35 000
35 000
35 000
35 000
Total tax
14 677
9 712
15 524
17 030
After tax
20 323
25 288
19 476
17 970
Living cost
17 453
17 453
17 453
17 453
Free-cash
2 870
7 835
2 023
517

Estimated living cost  is ₽17453 per week

₽11751
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1350
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽505
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3847
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽7300
-₽13471
-₽6456
-₽6925
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
35 000
income
-
-
-
2 086
surtax
-
-
-
-
social contributions

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

-
-
-
12 163
total
-
-
-
14 249
Employee
39 169
-
28 282
-
social contributions
4 309
-
3 110
-
surtax
-
-
-
-
income
7 653
-
4 892
-
total
11 962
-
8 002
-
Employer
39 169
-
28 282
-
social contributions
9 302
-
6 716
-
total
9 302
-
6 716
-
Corporate
-
35 000
-
-
surtax
-
-
-
-
income
-
7 350
-
-
total
-
7 350
-
-
Dividends
-
27 650
-
-
withholding
-
7 743
-
-
total
-
7 743
-
-
Income
35 000
35 000
35 000
35 000
Total tax
21 264
15 093
14 718
14 249
After tax
13 736
19 907
20 282
20 751
Living cost
27 207
27 207
27 207
27 207
Free-cash
-13 471
-7 300
-6 925
-6 456

Estimated living cost  is ₽27207 per week

₽19270
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1890
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽483
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5565
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽11733
-₽29279
-₽15652
-₽17553
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
accident
-
-
-
314
income
-
-
-
4 687
pensions
-
-
-
9 905
other
-
-
-
34
unemployment
-
-
-
245
total
-
-
-
15 185
Employee
48 739
-
24 256
-
other
48
-
34
-
income
10 180
-
4 202
-
pensions
2 290
-
1 584
-
unemployment
755
-
523
-
total
13 273
-
6 343
-
Employer
48 739
-
24 256
-
accident
965
-
666
-
other
391
-
270
-
unemployment
2 681
-
1 854
-
pensions
11 502
-
7 953
-
total
15 539
-
10 743
-
Corporate
-
35 000
-
-
income

The general rate of corporate tax is 25%. The lower rate of 15% is introduced for newly formed companies which applies during the first two years of operation in which taxable profit is made. We use the lower rate in our model.

-
5 249
-
-
total
-
5 249
-
-
Dividends
-
29 751
-
-
withholding
-
6 017
-
-
total
-
6 017
-
-
Income
35 000
35 000
35 000
35 000
Total tax
28 812
11 266
17 086
15 185
After tax
6 188
23 734
17 914
19 815
Living cost
35 467
35 467
35 467
35 467
Free-cash
-29 279
-11 733
-17 553
-15 652

Estimated living cost  is ₽35467 per week

₽25471
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2758
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽500
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6739
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽12554
₽6400
₽3034
₽4729
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
income
-
-
-
5 250
pensions

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

-
-
-
5 180
unemployment
-
-
-
140
health
-
-
-
4 025
total
-
-
-
14 595
Employee
23 001
-
29 259
-
health
1 058
-
1 346
-
accident

We are using the highest rate at 1.1%.

253
-
321
-
income
2 300
-
2 926
-
pensions

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

2 019
-
2 569
-
total
5 630
-
7 162
-
Employer
23 001
-
29 259
-
accident

We are using the highest rate at 1.1%.

253
-
321
-
unemployment
138
-
175
-
pensions

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

2 535
-
3 224
-
health
1 587
-
2 018
-
total
4 513
-
5 738
-
Corporate
7 486
35 000
-
-
income
749
3 500
-
-
total
749
3 500
-
-
Dividends
6 737
31 500
-
-
withholding
337
1 575
-
-
total
337
1 575
-
-
Income
35 000
35 000
35 000
35 000
Total tax
11 229
5 075
12 900
14 595
After tax
23 771
29 925
22 100
20 405
Living cost
17 371
17 371
17 371
17 371
Free-cash
6 400
12 554
4 729
3 034

Estimated living cost  is ₽17371 per week

₽11489
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽994
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽414
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4474
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽20714
-₽15213
-₽11060
-₽11060
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
35 000
trade
-
-
-
-
income

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

-
-
-
193
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.

-
-
-
6 894
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.

-
-
-
11
total
-
-
-
7 098
Employee

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

50 213
-
35 000
-
health

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

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

6 894
-
6 894
-
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.

228
-
11
-
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.

4 129
-
193
-
total
11 251
-
7 098
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
35 000
-
-
surtax

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

-
289
-
-
income
-
5 249
-
-
trade
-
5 023
-
-
chamber of commerce
-
205
-
-
total
-
10 766
-
-
Dividends
-
24 233
-
-
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.

-
312
-
-
withholding
-
5 674
-
-
total
-
5 986
-
-
Income
35 000
35 000
35 000
35 000
Total tax
11 251
16 752
7 098
7 098
After tax
23 749
18 248
27 902
27 902
Living cost
38 962
38 962
38 962
38 962
Free-cash
-15 213
-20 714
-11 060
-11 060

Estimated living cost  is ₽38962 per week

₽26877
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4192
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.
₽7327
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽32986
-₽43941
-₽27597
-₽27597
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
income
-
-
-
3 840
social contributions
-
-
-
1 270
total
-
-
-
5 110
Employee
78 941
-
35 000
-
income
14 896
-
3 840
-
social contributions
6 558
-
1 270
-
total
21 454
-
5 110
-
Employer
78 941
-
35 000
-
total
-
-
-
-
Corporate
-
35 000
-
-
income
-
4 374
-
-
total
-
4 374
-
-
Dividends
-
30 626
-
-
withholding
-
6 125
-
-
total
-
6 125
-
-
Income
35 000
35 000
35 000
35 000
Total tax
21 454
10 499
5 110
5 110
After tax
13 546
24 501
29 890
29 890
Living cost
57 487
57 487
57 487
57 487
Free-cash
-43 941
-32 986
-27 597
-27 597

Estimated living cost  is ₽57487 per week

₽43735
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4684
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽550
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8518
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽17296
-₽18945
-₽37102
-₽9774
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
35 000
income
-
-
-
28 727
health

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

-
-
-
6 741
total
-
-
-
35 468
Employee
46 295
-
31 813
-
income
5 023
-
1 766
-
social contributions
4 638
-
3 187
-
total
9 661
-
4 953
-
Employer
46 295
-
31 813
-
social contributions
4 638
-
3 187
-
total
4 638
-
3 187
-
Corporate
-
35 000
-
-
income
-
12 249
-
-
total
-
12 249
-
-
Dividends
-
22 751
-
-
social contributions
3 012
3 413
-
-
total
3 012
3 413
-
-
Income
35 000
35 000
35 000
35 000
Total tax
17 311
15 662
8 140
35 468
After tax
17 689
19 338
26 860
-468
Living cost
36 634
36 634
36 634
36 634
Free-cash
-18 945
-17 296
-9 774
-37 102

Estimated living cost  is ₽36634 per week

₽24130
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2888
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽561
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9053
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽11391
-₽22830
-₽10782
-₽13570
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
income
-
-
-
6 708
pensions
-
-
-
1 459
total
-
-
-
8 167
Employee
51 632
-
31 900
-
health
674
-
270
-
income
9 403
-
6 010
-
pensions
3 941
-
1 575
-
total
14 018
-
7 855
-
Employer
51 632
-
31 900
-
pensions
5 216
-
2 493
-
health
981
-
607
-
total
6 197
-
3 100
-
Corporate
-
35 000
-
-
income

It is proposed for this rate to fall to 17% from the financial year starting on 1 April, 2020. Also, where the taxable profits can be attributed to the exploitation of patents, a lower rate of 10% applies.

-
6 651
-
-
total
-
6 651
-
-
Dividends
-
28 349
-
-
withholding
-
2 125
-
-
total
-
2 125
-
-
Income
35 000
35 000
35 000
35 000
Total tax
20 215
8 776
10 955
8 167
After tax
14 785
26 224
24 045
26 833
Living cost
37 615
37 615
37 615
37 615
Free-cash
-22 830
-11 391
-13 570
-10 782

Estimated living cost  is ₽37615 per week

₽25804
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3459
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽471
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7879
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽21065
-₽10257
-₽859
-₽5416
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
accident
-
-
-
253
income
-
-
-
4 972
pensions
-
-
-
4 174
other
-
-
-
372
health
-
-
-
2 188
total
-
-
-
11 959
Employee
37 595
-
29 075
-
health
4 304
-
3 329
-
income
5 158
-
3 989
-
pensions
4 233
-
3 273
-
total
13 695
-
10 591
-
Employer
37 595
-
29 075
-
accident
628
-
485
-
unemployment
921
-
712
-
pensions
6 113
-
4 728
-
total
7 662
-
5 925
-
Corporate
-
35 000
-
-
income

From 1 January 2017, a lowered corporate income tax rate of 9% was introduced for so-called 'small taxpayers' - entities with turnover not exceeding the equivalent of €1.2 million and for taxpayers starting business activity, during their previous tax year.

-
31 500
-
-
total
-
31 500
-
-
Dividends
-
3 500
-
-
withholding
-
665
-
-
total
-
665
-
-
Income
35 000
35 000
35 000
35 000
Total tax
21 357
32 165
16 516
11 959
After tax
13 643
2 835
18 484
23 041
Living cost
23 900
23 900
23 900
23 900
Free-cash
-10 257
-21 065
-5 416
-859

Estimated living cost  is ₽23900 per week

₽17540
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1393
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽481
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4486
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽16119
₽11212
₽8133
₽8133
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
35 000
work injury
-
-
-
175
health insurance
-
-
-
2 590
income
-
-
-
3 611
pensions
-
-
-
6 440
unemployment
-
-
-
420
total
-
-
-
13 236
Employee

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

21 810
-
35 000
-
work injury
109
-
175
-
income
2 181
-
3 611
-
pensions
4 013
-
6 440
-
health insurance
1 614
-
2 590
-
unemployment
262
-
420
-
total
8 179
-
13 236
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
13 190
35 000
-
-
income

Macedonia has a simplified tax regime. Before 3,000,000 MKD per annum you will be taxed at 0%, and before 6,000,000 MKD it is 1%.

-
-
-
-
total
-
-
-
-
Dividends
13 190
35 000
-
-
withholding
1 978
5 250
-
-
total
1 978
5 250
-
-
Income
35 000
35 000
35 000
35 000
Total tax
10 157
5 250
13 236
13 236
After tax
24 843
29 750
21 764
21 764
Living cost
13 631
13 631
13 631
13 631
Free-cash
11 212
16 119
8 133
8 133

Estimated living cost  is ₽13631 per week

₽8445
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽991
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽425
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3771
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽21767
-₽50041
-₽20869
-₽22953
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
municipal
-
-
-
234
regional
-
-
-
450
national
-
-
-
5 979
social contributions
-
-
-
9 003
total
-
-
-
15 666
Employee
85 040
-
35 000
-
social contributions
28 675
-
11 803
-
regional
1 284
-
402
-
municipal
508
-
209
-
national
14 371
-
5 336
-
total
44 838
-
17 750
-
Employer
85 040
-
35 000
-
total
-
-
-
-
Corporate
-
35 000
-
-
nationa
-
8 400
-
-
municipal
-
1 687
-
-
total
-
10 087
-
-
Dividends
-
24 913
-
-
withholding
-
6 477
-
-
total
-
6 477
-
-
Income
35 000
35 000
35 000
35 000
Total tax
44 838
16 564
17 750
15 666
After tax
-9 838
18 436
17 250
19 334
Living cost
40 203
40 203
40 203
40 203
Free-cash
-50 041
-21 767
-22 953
-20 869

Estimated living cost  is ₽40203 per week

₽28240
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2765
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽607
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8589
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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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