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
₽ 35500
per

Your estimated
City
free-cash

Dresden , Germany
-₽12289
-₽2917
-₽2159
-₽2159
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
35 500
trade
-
-
-
-
income

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

-
-
-
355
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.

-
-
-
6 862
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.

-
-
-
19
total
-
-
-
7 236
Employee

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

38 417
-
35 500
-
health

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

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

6 862
-
6 862
-
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
-
19
-
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.

1 073
-
355
-
total
7 994
-
7 236
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
35 500
-
-
surtax

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

-
294
-
-
income
-
5 326
-
-
trade
-
5 591
-
-
chamber of commerce
-
204
-
-
total
-
11 415
-
-
Dividends
-
24 086
-
-
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.

-
311
-
-
withholding
-
5 640
-
-
total
-
5 951
-
-
Income
35 500
35 500
35 500
35 500
Total tax
7 994
17 366
7 236
7 236
After tax
27 506
18 134
28 264
28 264
Living cost
30 423
30 423
30 423
30 423
Free-cash
-2 917
-12 289
-2 159
-2 159

Estimated living cost  is ₽30423 per week

₽19137
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3547
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽568
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7171
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽28531
-₽50198
-₽27201
-₽26923
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
municipal
-
-
-
2 893
pensions
-
-
-
4 260
national
-
-
-
4 483
social contributions
-
-
-
382
total
-
-
-
12 018
Employee
78 568
-
30 689
-
municipal
9 704
-
3 031
-
pensions
3 143
-
1 228
-
national
15 038
-
4 696
-
total
27 885
-
8 955
-
Employer
78 568
-
30 689
-
social contributions
845
-
330
-
pensions
6 285
-
2 455
-
total
7 130
-
2 785
-
Corporate
-
35 500
-
-
income

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

-
7 100
-
-
total
-
7 100
-
-
Dividends
-
28 400
-
-
withholding
-
6 248
-
-
total
-
6 248
-
-
Income
35 500
35 500
35 500
35 500
Total tax
35 015
13 348
11 740
12 018
After tax
485
22 152
23 760
23 482
Living cost
50 683
50 683
50 683
50 683
Free-cash
-50 198
-28 531
-26 923
-27 201

Estimated living cost  is ₽50683 per week

₽34449
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4711
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽759
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10764
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽7504
-₽920
₽6116
-₽528
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
35 500
microenterprise
-
-
-
5 326
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.

-
-
-
3 162
total
-
-
-
8 488
Employee
29 350
-
28 608
-
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.

3 229
-
3 147
-
surtax
-
-
-
-
income
5 225
-
5 093
-
total
8 454
-
8 240
-
Employer
29 350
-
28 608
-
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.

7 070
-
6 892
-
surtax
-
-
-
-
total
7 070
-
6 892
-
Corporate
-
35 500
-
-
income

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

-
7 100
-
-
total
-
7 100
-
-
Dividends

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

-
28 400
-
-
total
-
-
-
-
Income
35 500
35 500
35 500
35 500
Total tax
15 524
7 100
15 132
8 488
After tax
19 976
28 400
20 368
27 012
Living cost
20 896
20 896
20 896
20 896
Free-cash
-920
7 504
-528
6 116

Estimated living cost  is ₽20896 per week

₽13331
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1990
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.
₽5101
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽58603
-₽64241
-₽21613
-₽64241
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
income
-
-
-
3 195
pensions
-
-
-
6 391
health
-
-
-
5 450
total
-
-
-
15 036
Employee
85 774
85 774
85 774
-
health
13 165
11 198
13 165
-
income

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

14 040
14 040
14 040
-
pensions
15 439
11 768
15 439
-
total
42 644
37 006
42 644
-
Employer
85 774
85 774
85 774
-
unemployment
3 088
3 088
3 088
-
pensions
5 970
5 970
5 970
-
health
5 962
5 962
5 962
-
total
15 020
15 020
15 020
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
35 500
35 500
35 500
35 500
Total tax
57 664
52 026
57 664
15 036
After tax
-22 164
-16 526
-22 164
20 464
Living cost
42 077
42 077
42 077
42 077
Free-cash
-64 241
-58 603
-64 241
-21 613

Estimated living cost  is ₽42077 per week

₽29819
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3793
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽669
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7796
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽19580
-₽37462
-₽21265
-₽20005
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
municipal
-
-
-
7 519
accident
-
-
-
71
pensions
-
-
-
3 837
other
-
-
-
4 125
unemployment
-
-
-
35
health
-
-
-
2 215
national
-
-
-
-
total
-
-
-
17 802
Employee
55 518
-
27 013
-
municipal
16 556
-
8 055
-
national
-
-
-
-
total
16 556
-
8 055
-
Employer
55 518
-
27 013
-
accident
111
-
54
-
other
6 451
-
3 139
-
unemployment
1 466
-
713
-
pensions
6 001
-
2 920
-
health
3 414
-
1 661
-
total
17 443
-
8 487
-
Corporate
-
35 500
-
-
income
-
7 810
-
-
total
-
7 810
-
-
Dividends
-
27 690
-
-
withholding
-
8 307
-
-
total
-
8 307
-
-
Income
35 500
35 500
35 500
35 500
Total tax
33 999
16 117
16 542
17 802
After tax
1 501
19 383
18 958
17 698
Living cost
38 963
38 963
38 963
38 963
Free-cash
-37 462
-19 580
-20 005
-21 265

Estimated living cost  is ₽38963 per week

₽25823
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3823
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽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.
₽8725
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽21504
-₽15436
-₽11194
-₽11194
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
35 500
trade
-
-
-
-
income

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

-
-
-
355
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.

-
-
-
6 862
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.

-
-
-
19
total
-
-
-
7 236
Employee

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

50 937
-
35 500
-
health

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

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

6 862
-
6 862
-
surtax

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

240
-
19
-
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.

4 376
-
355
-
total
11 478
-
7 236
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
35 500
-
-
surtax

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

-
294
-
-
income
-
5 326
-
-
trade
-
5 840
-
-
chamber of commerce
-
202
-
-
total
-
11 662
-
-
Dividends
-
23 839
-
-
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.

-
307
-
-
withholding
-
5 577
-
-
total
-
5 884
-
-
Income
35 500
35 500
35 500
35 500
Total tax
11 478
17 546
7 236
7 236
After tax
24 022
17 954
28 264
28 264
Living cost
39 458
39 458
39 458
39 458
Free-cash
-15 436
-21 504
-11 194
-11 194

Estimated living cost  is ₽39458 per week

₽26390
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4161
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽589
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8318
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽19792
-₽14300
-₽4010
-₽12070
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
38 184
income
-
-
-
-
health
-
-
-
974
social contributions
-
-
-
5 957
total
-
-
-
6 931
Employee
77 236
77 236
77 236
-
social contributions
3 753
6 410
2 674
-
health
768
1 313
547
-
income
8 110
7 150
8 499
-
total
12 631
14 873
11 720
-
Employer
77 236
77 236
77 236
-
social contributions
3 753
6 410
2 674
-
health
837
1 430
597
-
total
4 590
7 840
3 271
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
35 500
35 500
35 500
35 500
Total tax
17 221
22 713
14 991
6 931
After tax
18 279
12 787
20 509
28 569
Living cost
32 579
32 579
32 579
32 579
Free-cash
-14 300
-19 792
-12 070
-4 010

Estimated living cost  is ₽32579 per week

₽22271
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2545
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽547
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7216
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽2010
₽2389
₽6363
₽2349
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
income
-
-
-
4 340
pensions
-
-
-
3 550
unemployment
-
-
-
533
health
-
-
-
2 485
total
-
-
-
10 908
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.

26 314
10 473
29 707
-
health
1 842
733
2 080
-
income
3 217
1 280
3 632
-
pensions
2 631
1 047
2 971
-
unemployment
395
157
446
-
total
8 085
3 217
9 129
-
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.

26 314
10 473
29 707
-
pensions
5 131
2 042
5 793
-
total
5 131
2 042
5 793
-
Corporate
4 055
22 985
-
-
income
365
2 069
-
-
total
365
2 069
-
-
Dividends
3 690
20 917
-
-
social contributions
600
3 959
-
-
withholding
701
3 974
-
-
total
1 301
7 933
-
-
Income
35 500
35 500
35 500
35 500
Total tax
14 882
15 261
14 922
10 908
After tax
20 618
20 239
20 578
24 592
Living cost
18 229
18 229
18 229
18 229
Free-cash
2 389
2 010
2 349
6 363

Estimated living cost  is ₽18229 per week

₽12440
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1491
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽364
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3934
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽4139
-₽2627
-₽2946
-₽1514
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
income
-
-
-
2 470
pensions
-
-
-
7 100
health
-
-
-
4 615
total
-
-
-
14 185
Employee
28 494
-
26 532
-
income
3 208
-
2 829
-
pensions
570
-
530
-
unemployment
456
-
425
-
total
4 234
-
3 784
-
Employer
28 494
-
26 532
-
unemployment
229
-
212
-
pensions
5 699
-
5 307
-
health
3 704
-
3 450
-
total
9 632
-
8 969
-
Corporate
-
35 500
-
-
income
-
7 100
-
-
total
-
7 100
-
-
Dividends
-
28 400
-
-
total
-
-
-
-
Income
35 500
35 500
35 500
35 500
Total tax
13 866
7 100
12 753
14 185
After tax
21 634
28 400
22 747
21 315
Living cost
24 261
24 261
24 261
24 261
Free-cash
-2 627
4 139
-1 514
-2 946

Estimated living cost  is ₽24261 per week

₽16640
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1445
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽488
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5688
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽19170
-₽6247
₽1415
-₽3298
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
accident
-
-
-
253
income
-
-
-
5 062
pensions
-
-
-
4 169
other
-
-
-
371
health
-
-
-
2 185
total
-
-
-
12 040
Employee
34 678
-
29 490
-
health
3 971
-
3 377
-
income
4 758
-
4 046
-
pensions
3 905
-
3 321
-
total
12 634
-
10 744
-
Employer
34 678
-
29 490
-
accident
579
-
492
-
unemployment
850
-
722
-
pensions
5 639
-
4 795
-
total
7 068
-
6 009
-
Corporate
-
35 500
-
-
income

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

-
31 950
-
-
total
-
31 950
-
-
Dividends
-
3 550
-
-
withholding
-
675
-
-
total
-
675
-
-
Income
35 500
35 500
35 500
35 500
Total tax
19 702
32 625
16 753
12 040
After tax
15 798
2 875
18 747
23 460
Living cost
22 045
22 045
22 045
22 045
Free-cash
-6 247
-19 170
-3 298
1 415

Estimated living cost  is ₽22045 per week

₽16157
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1221
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽460
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4207
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽24625
₽22918
₽26045
₽19300
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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%.

-
-
-
35 500
microenterprise

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

-
-
-
355
total
-
-
-
355
Employee
11 375
-
35 500
-
income
2 275
-
7 100
-
total
2 275
-
7 100
-
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%.

24 125
35 500
-
-
total
-
-
-
-
Dividends
24 125
35 500
-
-
withholding
1 207
1 775
-
-
total
1 207
1 775
-
-
Income
35 500
35 500
35 500
35 500
Total tax
3 482
1 775
7 100
355
After tax
32 018
33 725
28 400
35 145
Living cost
9 100
9 100
9 100
9 100
Free-cash
22 918
24 625
19 300
26 045

Estimated living cost  is ₽9100 per week

₽5639
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽756
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.
₽2454
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽682
-₽10162
-₽7540
-₽5954
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
income
-
-
-
4 510
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.

-
-
-
8 518
other
-
-
-
1 687
health
-
-
-
1 561
total
-
-
-
16 276
Employee
36 470
-
28 354
-
health
511
-
396
-
income
6 279
-
4 881
-
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.

2 552
-
1 984
-
unemployment
364
-
284
-
total
9 706
-
7 545
-
Employer
36 470
-
28 354
-
accident
292
-
227
-
other
1 824
-
1 418
-
unemployment
364
-
284
-
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.

6 201
-
4 820
-
health
511
-
396
-
total
9 192
-
7 145
-
Corporate
-
35 500
-
-
income
-
7 455
-
-
total
-
7 455
-
-
Dividends
-
28 045
-
-
withholding
-
1 963
-
-
total
-
1 963
-
-
Income
35 500
35 500
35 500
35 500
Total tax
18 898
9 418
14 690
16 276
After tax
16 602
26 082
20 810
19 224
Living cost
26 764
26 764
26 764
26 764
Free-cash
-10 162
-682
-5 954
-7 540

Estimated living cost  is ₽26764 per week

₽18910
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1807
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽431
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5615
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽40505
-₽72452
-₽39919
-₽42788
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
income
-
-
-
6 797
pensions
-
-
-
1 520
total
-
-
-
8 317
Employee
94 939
-
32 318
-
health
1 564
-
281
-
income
17 114
-
6 079
-
pensions
9 159
-
1 644
-
total
27 837
-
8 004
-
Employer
94 939
-
32 318
-
pensions
11 210
-
2 568
-
health
1 803
-
614
-
total
13 013
-
3 182
-
Corporate
-
35 500
-
-
income

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

-
6 746
-
-
total
-
6 746
-
-
Dividends
-
28 754
-
-
withholding
-
2 157
-
-
total
-
2 157
-
-
Income
35 500
35 500
35 500
35 500
Total tax
40 850
8 903
11 186
8 317
After tax
-5 350
26 597
24 314
27 183
Living cost
67 102
67 102
67 102
67 102
Free-cash
-72 452
-40 505
-42 788
-39 919

Estimated living cost  is ₽67102 per week

₽50281
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽7884
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽546
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8392
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
₽17185
₽12519
₽7641
₽9246
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
income
-
-
-
5 325
pensions

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

-
-
-
5 192
unemployment
-
-
-
140
health
-
-
-
4 034
total
-
-
-
14 691
Employee
17 436
-
29 677
-
health
802
-
1 365
-
accident

We are using the highest rate at 1.1%.

192
-
326
-
income
1 743
-
2 967
-
pensions

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

1 531
-
2 606
-
total
4 268
-
7 264
-
Employer
17 436
-
29 677
-
accident

We are using the highest rate at 1.1%.

192
-
326
-
unemployment
104
-
178
-
pensions

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

1 922
-
3 270
-
health
1 203
-
2 048
-
total
3 421
-
5 822
-
Corporate
14 643
35 500
-
-
income
1 465
3 550
-
-
total
1 465
3 550
-
-
Dividends
13 178
31 950
-
-
withholding
659
1 597
-
-
total
659
1 597
-
-
Income
35 500
35 500
35 500
35 500
Total tax
9 813
5 147
13 086
14 691
After tax
25 687
30 353
22 414
20 809
Living cost
13 168
13 168
13 168
13 168
Free-cash
12 519
17 185
9 246
7 641

Estimated living cost  is ₽13168 per week

₽7687
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽940
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽349
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4191
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽72223
-₽73928
-₽35233
-₽77861
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
income
-
-
-
3 195
pensions
-
-
-
6 391
health
-
-
-
5 450
total
-
-
-
15 036
Employee
93 123
85 774
85 774
-
health
11 618
11 198
13 165
-
income

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

14 040
14 040
14 040
-
pensions
11 768
11 768
15 439
-
total
37 426
37 006
42 644
-
Employer
93 123
85 774
85 774
-
unemployment
3 353
3 088
3 088
-
pensions
6 481
5 970
5 970
-
health
6 471
5 962
5 962
-
total
16 305
15 020
15 020
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
35 500
35 500
35 500
35 500
Total tax
53 731
52 026
57 664
15 036
After tax
-18 231
-16 526
-22 164
20 464
Living cost
55 697
55 697
55 697
55 697
Free-cash
-73 928
-72 223
-77 861
-35 233

Estimated living cost  is ₽55697 per week

₽41086
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4975
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽639
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8999
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽423
-₽11832
-₽6728
-₽6004
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
income
-
-
-
3 051
health
-
-
-
4 792
solidarity contribution
-
-
-
-
social contributions
-
-
-
10 366
total
-
-
-
18 209
Employee
35 322
-
26 492
-
social contributions
2 296
-
1 722
-
health
4 768
-
3 577
-
solidarity contribution
-
-
-
-
income
4 239
-
3 179
-
total
11 303
-
8 478
-
Employer
35 322
-
26 492
-
social contributions
8 831
-
6 623
-
health
3 179
-
2 384
-
total
12 010
-
9 007
-
Corporate
-
35 500
-
-
income
-
6 745
-
-
total
-
6 745
-
-
Dividends
-
28 755
-
-
withholding
-
4 313
-
-
total
-
4 313
-
-
Income
35 500
35 500
35 500
35 500
Total tax
23 313
11 058
17 485
18 209
After tax
12 187
24 442
18 015
17 291
Living cost
24 019
24 019
24 019
24 019
Free-cash
-11 832
423
-6 004
-6 728

Estimated living cost  is ₽24019 per week

₽16684
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1709
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽472
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5154
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽23441
-₽53767
-₽22614
-₽24743
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
municipal
-
-
-
212
regional
-
-
-
324
national
-
-
-
6 065
social contributions
-
-
-
9 130
total
-
-
-
15 731
Employee
89 267
-
35 500
-
social contributions
30 101
-
11 970
-
regional
842
-
290
-
municipal
473
-
189
-
national
15 468
-
5 411
-
total
46 884
-
17 860
-
Employer
89 267
-
35 500
-
total
-
-
-
-
Corporate
-
35 500
-
-
nationa
-
8 520
-
-
municipal
-
1 384
-
-
total
-
9 904
-
-
Dividends
-
25 596
-
-
withholding
-
6 654
-
-
total
-
6 654
-
-
Income
35 500
35 500
35 500
35 500
Total tax
46 884
16 558
17 860
15 731
After tax
-11 384
18 942
17 640
19 769
Living cost
42 383
42 383
42 383
42 383
Free-cash
-53 767
-23 441
-24 743
-22 614

Estimated living cost  is ₽42383 per week

₽29544
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2779
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽650
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9408
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽167
-₽4708
-₽1705
-₽2537
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
income
-
-
-
5 131
pensions
-
-
-
7 100
other
-
-
-
-
unemployment
-
-
-
229
health
-
-
-
2 520
surtax
-
-
-
61
total
-
-
-
15 041
Employee
33 216
-
29 326
-
other
-
-
-
-
health
848
-
749
-
surtax
109
-
38
-
income
5 568
-
4 916
-
pensions
2 215
-
1 956
-
unemployment
2 312
-
2 041
-
total
11 052
-
9 700
-
Employer
33 216
-
29 326
-
other
-
-
-
-
unemployment
1 052
-
930
-
pensions
4 428
-
3 909
-
health
1 512
-
1 334
-
total
6 992
-
6 173
-
Corporate
-
35 500
-
-
income
-
9 229
-
-
total
-
9 229
-
-
Dividends
-
26 271
-
-
withholding
-
3 940
-
-
total
-
3 940
-
-
Income
35 500
35 500
35 500
35 500
Total tax
18 044
13 169
15 873
15 041
After tax
17 456
22 331
19 627
20 459
Living cost
22 164
22 164
22 164
22 164
Free-cash
-4 708
167
-2 537
-1 705

Estimated living cost  is ₽22164 per week

₽13552
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2045
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽511
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6056
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽19245
-₽36221
-₽18659
-₽21528
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
income
-
-
-
6 797
pensions
-
-
-
1 520
total
-
-
-
8 317
Employee
63 626
-
32 318
-
health
924
-
281
-
income
11 459
-
6 079
-
pensions
5 400
-
1 644
-
total
17 783
-
8 004
-
Employer
63 626
-
32 318
-
pensions
6 887
-
2 568
-
health
1 209
-
614
-
total
8 096
-
3 182
-
Corporate
-
35 500
-
-
income

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

-
6 746
-
-
total
-
6 746
-
-
Dividends
-
28 754
-
-
withholding
-
2 157
-
-
total
-
2 157
-
-
Income
35 500
35 500
35 500
35 500
Total tax
25 879
8 903
11 186
8 317
After tax
9 621
26 597
24 314
27 183
Living cost
45 842
45 842
45 842
45 842
Free-cash
-36 221
-19 245
-21 528
-18 659

Estimated living cost  is ₽45842 per week

₽34345
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3436
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽479
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7581
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽60157
-₽62410
-₽45960
-₽48775
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
city
-
-
-
373
pensions
-
-
-
3 265
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.

-
-
-
710
regional
-
-
-
451
health
-
-
-
249
national
-
-
-
22
total
-
-
-
5 070
Employee
89 396
-
31 237
-
city
959
-
328
-
regional
2 927
-
341
-
health
202
-
71
-
pensions
7 510
-
3 225
-
unemployment
-
-
-
-
national
423
-
-
-
total
12 021
-
3 965
-
Employer
89 396
-
31 237
-
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.

1 787
-
624
-
unemployment
-
-
-
-
pensions
7 510
-
3 225
-
health
202
-
71
-
total
9 499
-
3 920
-
Corporate
-
35 500
-
-
regional
-
7 508
-
-
national
-
3 018
-
-
total
-
10 526
-
-
Dividends
-
24 974
-
-
withholding
-
8 741
-
-
total
-
8 741
-
-
Income
35 500
35 500
35 500
35 500
Total tax
21 520
19 267
7 885
5 070
After tax
13 980
16 233
27 615
30 430
Living cost
76 390
76 390
76 390
76 390
Free-cash
-62 410
-60 157
-48 775
-45 960

Estimated living cost  is ₽76390 per week

₽49675
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6855
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽938
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽18921
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽28242
-₽24864
-₽17749
-₽17749
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
35 500
trade
-
-
-
-
income

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

-
-
-
355
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.

-
-
-
6 862
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.

-
-
-
19
total
-
-
-
7 236
Employee

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

60 364
-
35 500
-
health

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

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

6 862
-
6 862
-
surtax

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

391
-
19
-
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.

7 098
-
355
-
total
14 351
-
7 236
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
35 500
-
-
surtax

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

-
294
-
-
income
-
5 326
-
-
trade
-
6 088
-
-
chamber of commerce
-
202
-
-
total
-
11 910
-
-
Dividends
-
23 591
-
-
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
-
5 516
-
-
total
-
5 819
-
-
Income
35 500
35 500
35 500
35 500
Total tax
14 351
17 729
7 236
7 236
After tax
21 149
17 771
28 264
28 264
Living cost
46 013
46 013
46 013
46 013
Free-cash
-24 864
-28 242
-17 749
-17 749

Estimated living cost  is ₽46013 per week

₽33606
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3681
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽599
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8129
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽16473
-₽20914
-₽12589
-₽11756
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
income
-
-
-
480
pensions
-
-
-
10 825
other
-
-
-
1 100
health
-
-
-
309
surtax
-
-
-
-
social contributions
-
-
-
1 010
total
-
-
-
13 724
Employee
42 988
-
27 050
-
social contributions
1 226
-
772
-
surtax
-
-
-
-
income
2 537
-
610
-
pensions
4 861
-
3 059
-
total
8 624
-
4 441
-
Employer
42 988
-
27 050
-
other
1 483
-
934
-
social contributions
130
-
82
-
unemployment
1 740
-
1 096
-
pensions
7 062
-
4 445
-
health
3 010
-
1 893
-
total
13 425
-
8 450
-
Corporate
-
35 500
-
-
surtax
-
-
-
-
income
-
9 940
-
-
total
-
9 940
-
-
Dividends
-
25 560
-
-
surtax
-
-
-
-
social contributions
-
4 397
-
-
withholding
-
3 271
-
-
total
-
7 668
-
-
Income
35 500
35 500
35 500
35 500
Total tax
22 049
17 608
12 891
13 724
After tax
13 451
17 892
22 609
21 776
Living cost
34 365
34 365
34 365
34 365
Free-cash
-20 914
-16 473
-11 756
-12 589

Estimated living cost  is ₽34365 per week

₽21668
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2794
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽585
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9319
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽13068
-₽14856
-₽9184
-₽8351
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
income
-
-
-
480
pensions
-
-
-
10 825
other
-
-
-
1 100
health
-
-
-
309
surtax
-
-
-
-
social contributions
-
-
-
1 010
total
-
-
-
13 724
Employee
38 373
-
27 050
-
social contributions
1 094
-
772
-
surtax
-
-
-
-
income
1 979
-
610
-
pensions
4 340
-
3 059
-
total
7 413
-
4 441
-
Employer
38 373
-
27 050
-
other
1 325
-
934
-
social contributions
114
-
82
-
unemployment
1 553
-
1 096
-
pensions
6 305
-
4 445
-
health
2 686
-
1 893
-
total
11 983
-
8 450
-
Corporate
-
35 500
-
-
surtax
-
-
-
-
income
-
9 940
-
-
total
-
9 940
-
-
Dividends
-
25 560
-
-
surtax
-
-
-
-
social contributions
-
4 397
-
-
withholding
-
3 271
-
-
total
-
7 668
-
-
Income
35 500
35 500
35 500
35 500
Total tax
19 396
17 608
12 891
13 724
After tax
16 104
17 892
22 609
21 776
Living cost
30 960
30 960
30 960
30 960
Free-cash
-14 856
-13 068
-8 351
-9 184

Estimated living cost  is ₽30960 per week

₽17955
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3145
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽587
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9273
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽358
-₽1472
₽1498
₽810
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
income
-
-
-
5 326
health
-
-
-
2 478
social contributions
-
-
-
4 899
total
-
-
-
12 703
Employee
34 056
-
35 500
-
social contributions
4 700
-
4 899
-
health
2 377
-
2 478
-
income
5 680
-
6 014
-
total
12 757
-
13 391
-
Employer
34 056
-
35 500
-
total
-
-
-
-
Corporate
1 444
35 500
-
-
income

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

72
1 775
-
-
total
72
1 775
-
-
Dividends
1 372
33 725
-
-
health
886
2 354
-
-
social contributions
1 752
4 655
-
-
withholding
206
5 059
-
-
total
2 844
12 068
-
-
Income
35 500
35 500
35 500
35 500
Total tax
15 673
13 843
13 391
12 703
After tax
19 827
21 657
22 109
22 797
Living cost
21 299
21 299
21 299
21 299
Free-cash
-1 472
358
810
1 498

Estimated living cost  is ₽21299 per week

₽14254
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1313
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.
₽5240
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽22764
-₽30293
-₽15675
-₽22924
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
chamber of commerce
-
-
-
141
income
-
-
-
-
pensions
-
-
-
6 568
unemployment
-
-
-
6 160
health
-
-
-
2 716
surtax
-
-
-
198
total
-
-
-
15 783
Employee
50 197
40 028
40 028
-
other
501
400
267
-
health
1 942
1 550
1 031
-
income
5 714
2 953
3 648
-
pensions
5 141
4 098
2 730
-
unemployment
1 506
1 201
799
-
total
14 804
10 202
8 475
-
Employer
50 197
40 028
40 028
-
accident
652
520
347
-
other
2 385
1 900
1 788
-
chamber of commerce
200
160
160
-
unemployment
1 506
1 201
799
-
surtax
198
198
198
-
pensions
6 300
5 024
3 345
-
payroll
1 506
1 201
1 201
-
health
1 897
1 513
1 008
-
total
14 644
11 717
8 846
-
Corporate
3 812
3 812
22 842
-
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.

953
953
5 711
-
total
953
953
5 711
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
35 500
35 500
35 500
35 500
Total tax
30 401
22 872
23 032
15 783
After tax
5 099
12 628
12 468
19 717
Living cost
35 392
35 392
35 392
35 392
Free-cash
-30 293
-22 764
-22 924
-15 675

Estimated living cost  is ₽35392 per week

₽23605
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3019
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽581
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8187
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽16476
-₽57262
-₽14762
-₽20129
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
national
-
-
-
9 598
communal

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

-
-
-
2 009
social contributions
-
-
-
2 032
total
-
-
-
13 639
Employee

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

71 847
-
27 496
-
communal

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

3 747
-
1 433
-
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.

3 376
-
1 292
-
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.

5 389
-
2 062
-
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.

625
-
240
-
national
22 089
-
5 976
-
total
35 226
-
11 003
-
Employer

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

71 847
-
27 496
-
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.

934
-
356
-
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.

1 048
-
402
-
surtax
8 147
-
3 118
-
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.

6 366
-
2 436
-
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.

4 418
-
1 691
-
total
20 913
-
8 003
-
Corporate
-
35 500
-
-
surtax
-
141
-
-
income
-
7 100
-
-
total
-
7 241
-
-
Dividends
-
28 259
-
-
withholding

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

-
8 112
-
-
total
-
8 112
-
-
Income
35 500
35 500
35 500
35 500
Total tax
56 139
15 353
19 006
13 639
After tax
-20 639
20 147
16 494
21 861
Living cost
36 623
36 623
36 623
36 623
Free-cash
-57 262
-16 476
-20 129
-14 762

Estimated living cost  is ₽36623 per week

₽23590
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3202
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽574
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9258
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽12207
-₽30435
-₽16203
-₽17905
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
accident
-
-
-
320
income
-
-
-
4 778
pensions
-
-
-
10 047
other
-
-
-
36
unemployment
-
-
-
248
total
-
-
-
15 429
Employee
49 998
-
24 807
-
other
50
-
34
-
income
10 549
-
4 308
-
pensions
2 350
-
1 576
-
unemployment
776
-
520
-
total
13 725
-
6 438
-
Employer
49 998
-
24 807
-
accident
989
-
663
-
other
398
-
269
-
unemployment
2 750
-
1 845
-
pensions
11 799
-
7 916
-
total
15 936
-
10 693
-
Corporate
-
35 500
-
-
income

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

-
5 326
-
-
total
-
5 326
-
-
Dividends
-
30 174
-
-
withholding
-
6 107
-
-
total
-
6 107
-
-
Income
35 500
35 500
35 500
35 500
Total tax
29 661
11 433
17 131
15 429
After tax
5 839
24 067
18 369
20 071
Living cost
36 274
36 274
36 274
36 274
Free-cash
-30 435
-12 207
-17 905
-16 203

Estimated living cost  is ₽36274 per week

₽26712
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2573
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽522
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6465
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽32251
-₽49651
-₽32603
-₽32606
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
accident
-
-
-
431
income
-
-
-
189
pensions
-
-
-
7 647
health
-
-
-
3 583
surtax
-
-
-
1 668
communal
-
-
-
-
total
-
-
-
13 518
Employee
76 064
-
29 787
-
health
3 385
-
2 127
-
surtax
4 662
-
1 668
-
income
7 347
-
189
-
pensions
6 084
-
3 824
-
total
21 478
-
7 808
-
Employer
76 064
-
29 787
-
accident
684
-
431
-
pensions
6 084
-
3 824
-
health
2 320
-
1 458
-
total
9 088
-
5 713
-
Corporate
-
35 500
-
-
surtax
-
374
-
-
communal
-
2 396
-
-
income
-
5 326
-
-
total
-
8 096
-
-
Dividends
-
27 405
-
-
income
-
959
-
-
withholding
-
4 111
-
-
total
-
5 070
-
-
Income
35 500
35 500
35 500
35 500
Total tax
30 566
13 166
13 521
13 518
After tax
4 934
22 334
21 979
21 982
Living cost
54 585
54 585
54 585
54 585
Free-cash
-49 651
-32 251
-32 606
-32 603

Estimated living cost  is ₽54585 per week

₽40947
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3307
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽578
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9752
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽230
-₽5447
-₽2102
-₽2934
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
income
-
-
-
5 131
pensions
-
-
-
7 100
other
-
-
-
-
unemployment
-
-
-
229
health
-
-
-
2 520
surtax
-
-
-
61
total
-
-
-
15 041
Employee
33 826
-
29 326
-
other
-
-
-
-
health
863
-
749
-
surtax
120
-
38
-
income
5 671
-
4 916
-
pensions
2 257
-
1 956
-
unemployment
2 354
-
2 041
-
total
11 265
-
9 700
-
Employer
33 826
-
29 326
-
other
-
-
-
-
unemployment
1 073
-
930
-
pensions
4 510
-
3 909
-
health
1 538
-
1 334
-
total
7 121
-
6 173
-
Corporate
-
35 500
-
-
income
-
9 229
-
-
total
-
9 229
-
-
Dividends
-
26 271
-
-
withholding
-
3 940
-
-
total
-
3 940
-
-
Income
35 500
35 500
35 500
35 500
Total tax
18 386
13 169
15 873
15 041
After tax
17 114
22 331
19 627
20 459
Living cost
22 561
22 561
22 561
22 561
Free-cash
-5 447
-230
-2 934
-2 102

Estimated living cost  is ₽22561 per week

₽13621
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1961
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽524
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6456
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽8397
-₽20217
-₽7500
-₽9605
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
municipal
-
-
-
212
regional
-
-
-
536
national
-
-
-
6 065
social contributions
-
-
-
9 130
total
-
-
-
15 943
Employee
55 717
-
35 500
-
social contributions
18 788
-
11 970
-
regional
750
-
478
-
municipal
295
-
189
-
national
8 827
-
5 411
-
total
28 660
-
18 048
-
Employer
55 717
-
35 500
-
total
-
-
-
-
Corporate
-
35 500
-
-
nationa
-
8 520
-
-
municipal
-
1 765
-
-
total
-
10 285
-
-
Dividends
-
25 215
-
-
withholding
-
6 555
-
-
total
-
6 555
-
-
Income
35 500
35 500
35 500
35 500
Total tax
28 660
16 840
18 048
15 943
After tax
6 840
18 660
17 452
19 557
Living cost
27 057
27 057
27 057
27 057
Free-cash
-20 217
-8 397
-9 605
-7 500

Estimated living cost  is ₽27057 per week

₽16827
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2741
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽463
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7026
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽5156
-₽22825
-₽12307
-₽11583
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
income
-
-
-
3 051
health
-
-
-
4 792
solidarity contribution
-
-
-
-
social contributions
-
-
-
10 366
total
-
-
-
18 209
Employee
43 526
-
26 492
-
social contributions
2 829
-
1 722
-
health
5 876
-
3 577
-
solidarity contribution
-
-
-
-
income
5 223
-
3 179
-
total
13 928
-
8 478
-
Employer
43 526
-
26 492
-
social contributions
10 882
-
6 623
-
health
3 917
-
2 384
-
total
14 799
-
9 007
-
Corporate
-
35 500
-
-
income
-
6 745
-
-
total
-
6 745
-
-
Dividends
-
28 755
-
-
withholding
-
4 313
-
-
total
-
4 313
-
-
Income
35 500
35 500
35 500
35 500
Total tax
28 727
11 058
17 485
18 209
After tax
6 773
24 442
18 015
17 291
Living cost
29 598
29 598
29 598
29 598
Free-cash
-22 825
-5 156
-11 583
-12 307

Estimated living cost  is ₽29598 per week

₽22011
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1640
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽512
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5435
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽19219
-₽21993
-₽12130
-₽19474
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
chamber of commerce
-
-
-
141
income
-
-
-
-
pensions
-
-
-
6 568
unemployment
-
-
-
6 160
health
-
-
-
2 716
surtax
-
-
-
-
total
-
-
-
15 585
Employee
43 906
40 028
40 028
-
other
438
400
269
-
health
1 698
1 550
1 037
-
income
3 911
2 953
3 637
-
pensions
4 496
4 098
2 747
-
unemployment
1 317
1 201
804
-
total
11 860
10 202
8 494
-
Employer
43 906
40 028
40 028
-
accident
570
520
349
-
other
2 085
1 900
1 790
-
chamber of commerce
175
160
160
-
unemployment
1 317
1 201
804
-
surtax
-
-
-
-
pensions
5 511
5 024
3 366
-
payroll
1 317
1 201
1 201
-
health
1 660
1 513
1 014
-
total
12 635
11 519
8 684
-
Corporate
3 812
3 812
23 004
-
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.

953
953
5 751
-
total
953
953
5 751
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
35 500
35 500
35 500
35 500
Total tax
25 448
22 674
22 929
15 585
After tax
10 052
12 826
12 571
19 915
Living cost
32 045
32 045
32 045
32 045
Free-cash
-21 993
-19 219
-19 474
-12 130

Estimated living cost  is ₽32045 per week

₽19223
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3273
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽572
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8978
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽19544
₽16885
₽20964
₽14219
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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%.

-
-
-
35 500
microenterprise

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

-
-
-
355
total
-
-
-
355
Employee
17 726
-
35 500
-
income
3 545
-
7 100
-
total
3 545
-
7 100
-
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%.

17 774
35 500
-
-
total
-
-
-
-
Dividends
17 774
35 500
-
-
withholding
889
1 775
-
-
total
889
1 775
-
-
Income
35 500
35 500
35 500
35 500
Total tax
4 434
1 775
7 100
355
After tax
31 066
33 725
28 400
35 145
Living cost
14 181
14 181
14 181
14 181
Free-cash
16 885
19 544
14 219
20 964

Estimated living cost  is ₽14181 per week

₽9596
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽595
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽476
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3513
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽2500
-₽15832
-₽6666
-₽7791
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
35 500
income
-
-
-
5 195
pensions
-
-
-
6 483
unemployment
-
-
-
53
health
-
-
-
3 494
total
-
-
-
15 225
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.

44 416
-
30 718
-
health
2 869
-
1 984
-
income
7 659
-
4 779
-
pensions
6 885
-
4 761
-
unemployment
63
-
44
-
total
17 476
-
11 568
-
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.

44 416
-
30 718
-
unemployment
27
-
19
-
pensions
3 930
-
2 718
-
health
2 958
-
2 045
-
total
6 915
-
4 782
-
Corporate
-
35 500
-
-
income
-
6 746
-
-
total
-
6 746
-
-
Dividends
-
28 754
-
-
withholding
-
4 313
-
-
total
-
4 313
-
-
Income
35 500
35 500
35 500
35 500
Total tax
24 391
11 059
16 350
15 225
After tax
11 109
24 441
19 150
20 275
Living cost
26 941
26 941
26 941
26 941
Free-cash
-15 832
-2 500
-7 791
-6 666

Estimated living cost  is ₽26941 per week

₽18489
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1727
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽522
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6204
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽21964
-₽115033
-₽19029
-₽21875
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
income
-
-
-
6 920
social contributions
-
-
-
4 047
total
-
-
-
10 967
Employee
62 462
-
3 143
-
social contributions
5 122
-
730
-
income
13 778
-
531
-
total
18 900
-
1 261
-
Employer
62 462
-
3 143
-
social contributions
88 071
-
12 552
-
total
88 071
-
12 552
-
Corporate
-
35 500
-
-
income
-
7 810
-
-
total
-
7 810
-
-
Dividends
-
27 690
-
-
income
-
6 092
-
-
total
-
6 092
-
-
Income
35 500
35 500
35 500
35 500
Total tax
106 971
13 902
13 813
10 967
After tax
-71 471
21 598
21 687
24 533
Living cost
43 562
43 562
43 562
43 562
Free-cash
-115 033
-21 964
-21 875
-19 029

Estimated living cost  is ₽43562 per week

₽28265
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4097
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.
₽10645
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽11314
-₽21668
-₽10479
-₽10979
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
35 500
income
-
-
-
2 137
surtax
-
-
-
-
social contributions

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

-
-
-
12 336
total
-
-
-
14 473
Employee
46 196
-
28 686
-
social contributions
5 082
-
3 155
-
surtax
-
-
-
-
income
9 609
-
5 006
-
total
14 691
-
8 161
-
Employer
46 196
-
28 686
-
social contributions
10 971
-
6 812
-
total
10 971
-
6 812
-
Corporate
-
35 500
-
-
surtax
-
-
-
-
income
-
7 455
-
-
total
-
7 455
-
-
Dividends
-
28 045
-
-
withholding
-
7 853
-
-
total
-
7 853
-
-
Income
35 500
35 500
35 500
35 500
Total tax
25 662
15 308
14 973
14 473
After tax
9 838
20 192
20 527
21 027
Living cost
31 506
31 506
31 506
31 506
Free-cash
-21 668
-11 314
-10 979
-10 479

Estimated living cost  is ₽31506 per week

₽23573
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1858
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽526
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5549
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽30620
-₽47056
-₽26736
-₽25903
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
income
-
-
-
480
pensions
-
-
-
10 825
other
-
-
-
1 100
health
-
-
-
309
surtax
-
-
-
-
social contributions
-
-
-
1 010
total
-
-
-
13 724
Employee
62 909
-
27 050
-
social contributions
1 792
-
772
-
surtax
-
-
-
-
income
5 489
-
610
-
pensions
7 115
-
3 059
-
total
14 396
-
4 441
-
Employer
62 909
-
27 050
-
other
2 171
-
934
-
social contributions
189
-
82
-
unemployment
2 548
-
1 096
-
pensions
10 337
-
4 445
-
health
4 403
-
1 893
-
total
19 648
-
8 450
-
Corporate
-
35 500
-
-
surtax
-
-
-
-
income
-
9 940
-
-
total
-
9 940
-
-
Dividends
-
25 560
-
-
surtax
-
-
-
-
social contributions
-
4 397
-
-
withholding
-
3 271
-
-
total
-
7 668
-
-
Income
35 500
35 500
35 500
35 500
Total tax
34 044
17 608
12 891
13 724
After tax
1 456
17 892
22 609
21 776
Living cost
48 512
48 512
48 512
48 512
Free-cash
-47 056
-30 620
-25 903
-26 736

Estimated living cost  is ₽48512 per week

₽32832
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3968
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽665
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽11046
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽1758
-₽1797
-₽2502
-₽1456
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
income
-
-
-
-
social contributions
-
-
-
7 809
total
-
-
-
7 809
Employee
32 291
-
30 735
-
income
-
-
-
-
social contributions
2 099
-
1 998
-
total
2 099
-
1 998
-
Employer
32 291
-
30 735
-
social contributions
5 005
-
4 765
-
total
5 005
-
4 765
-
Corporate
-
35 500
-
-
income
-
3 549
-
-
total
-
3 549
-
-
Dividends
-
31 951
-
-
total
-
-
-
-
Income
35 500
35 500
35 500
35 500
Total tax
7 104
3 549
6 763
7 809
After tax
28 396
31 951
28 737
27 691
Living cost
30 193
30 193
30 193
30 193
Free-cash
-1 797
1 758
-1 456
-2 502

Estimated living cost  is ₽30193 per week

₽19522
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2276
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽568
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7826
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽183340
-₽183340
-₽23902
-₽183340
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
municipal
-
-
-
4 613
pensions
-
-
-
871
national
-
-
-
2 775
labour market
-
-
-
2 770
total
-
-
-
11 029
Employee
204 171
204 171
204 171
-
labour market
16 310
16 310
16 310
-
national
24 943
24 943
24 943
-
municipal
43 477
43 477
43 477
-
pensions
290
290
290
-
total
85 020
85 020
85 020
-
Employer
204 171
204 171
204 171
-
labour market
16 334
16 334
16 334
-
municipal
43 546
43 546
43 546
-
pensions
580
580
580
-
national
24 987
24 987
24 987
-
total
85 447
85 447
85 447
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
35 500
35 500
35 500
35 500
Total tax
170 467
170 467
170 467
11 029
After tax
-134 967
-134 967
-134 967
24 471
Living cost
48 373
48 373
48 373
48 373
Free-cash
-183 340
-183 340
-183 340
-23 902

Estimated living cost  is ₽48373 per week

₽33107
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4279
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽744
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10243
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽18845
-₽5629
₽1740
-₽2973
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
accident
-
-
-
253
income
-
-
-
5 062
pensions
-
-
-
4 169
other
-
-
-
371
health
-
-
-
2 185
total
-
-
-
12 040
Employee
34 167
-
29 490
-
health
3 912
-
3 377
-
income
4 687
-
4 046
-
pensions
3 847
-
3 321
-
total
12 446
-
10 744
-
Employer
34 167
-
29 490
-
accident
571
-
492
-
unemployment
837
-
722
-
pensions
5 555
-
4 795
-
total
6 963
-
6 009
-
Corporate
-
35 500
-
-
income

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

-
31 950
-
-
total
-
31 950
-
-
Dividends
-
3 550
-
-
withholding
-
675
-
-
total
-
675
-
-
Income
35 500
35 500
35 500
35 500
Total tax
19 409
32 625
16 753
12 040
After tax
16 091
2 875
18 747
23 460
Living cost
21 720
21 720
21 720
21 720
Free-cash
-5 629
-18 845
-2 973
1 740

Estimated living cost  is ₽21720 per week

₽15810
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1238
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.
₽4264
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽13996
-₽27316
-₽9666
-₽16129
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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

-
-
-
35 500
municipal
-
-
-
6 366
health
-
-
-
128
national
-
-
-
109
total
-
-
-
6 603
Employee
52 845
-
29 864
-
health
395
-
40
-
municipal
8 656
-
4 925
-
pensions
3 566
-
2 017
-
unemployment
793
-
448
-
national
873
-
-
-
total
14 283
-
7 430
-
Employer
52 845
-
29 864
-
accident
53
-
30
-
unemployment
343
-
194
-
pensions
9 168
-
5 181
-
health
406
-
231
-
total
9 970
-
5 636
-
Corporate
-
35 500
-
-
income
-
7 100
-
-
total
-
7 100
-
-
Dividends

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

-
21 300
-
-
national
-
-
-
-
municipal
-
3 833
-
-
total
-
3 833
-
-
Income
35 500
35 500
35 500
35 500
Total tax
24 253
10 933
13 066
6 603
After tax
11 247
24 567
22 434
28 897
Living cost
38 563
38 563
38 563
38 563
Free-cash
-27 316
-13 996
-16 129
-9 666

Estimated living cost  is ₽38563 per week

₽25189
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3709
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽614
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9052
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽10468
-₽3254
₽5314
-₽2746
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
38 184
income
-
-
-
-
health
-
-
-
974
social contributions
-
-
-
5 957
total
-
-
-
6 931
Employee
77 236
77 236
77 236
-
social contributions
2 920
6 410
2 674
-
health
599
1 313
547
-
income
8 410
7 150
8 499
-
total
11 929
14 873
11 720
-
Employer
77 236
77 236
77 236
-
social contributions
2 920
6 410
2 674
-
health
650
1 430
597
-
total
3 570
7 840
3 271
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
35 500
35 500
35 500
35 500
Total tax
15 499
22 713
14 991
6 931
After tax
20 001
12 787
20 509
28 569
Living cost
23 255
23 255
23 255
23 255
Free-cash
-3 254
-10 468
-2 746
5 314

Estimated living cost  is ₽23255 per week

₽13937
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2282
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.
₽6523
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽13451
₽8341
₽7056
₽6180
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
35 500
income
-
-
-
2 444
pensions
-
-
-
6 389
unemployment
-
-
-
29
health
-
-
-
3 635
total
-
-
-
12 497
Employee

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

23 055
-
32 185
-
health
1 959
-
2 735
-
income
1 576
-
2 335
-
pensions
3 458
-
4 828
-
unemployment
114
-
160
-
total
7 107
-
10 058
-
Employer

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

23 055
-
32 185
-
unemployment
114
-
160
-
pensions
1 268
-
1 771
-
health
991
-
1 384
-
total
2 373
-
3 315
-
Corporate
10 072
35 500
-
-
income
907
3 195
-
-
total
907
3 195
-
-
Dividends
9 165
32 305
-
-
withholding
825
2 907
-
-
total
825
2 907
-
-
Income
35 500
35 500
35 500
35 500
Total tax
11 212
6 102
13 373
12 497
After tax
24 288
29 398
22 127
23 003
Living cost
15 947
15 947
15 947
15 947
Free-cash
8 341
13 451
6 180
7 056

Estimated living cost  is ₽15947 per week

₽10175
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1149
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.
₽4148
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽3554
-₽13479
-₽7550
-₽9252
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
accident
-
-
-
320
income
-
-
-
4 778
pensions
-
-
-
10 047
other
-
-
-
36
unemployment
-
-
-
248
total
-
-
-
15 429
Employee
37 140
-
24 807
-
other
36
-
34
-
income
7 160
-
4 308
-
pensions
1 746
-
1 576
-
unemployment
576
-
520
-
total
9 518
-
6 438
-
Employer
37 140
-
24 807
-
accident
736
-
663
-
other
297
-
269
-
unemployment
2 043
-
1 845
-
pensions
8 764
-
7 916
-
total
11 840
-
10 693
-
Corporate
-
35 500
-
-
income

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

-
5 326
-
-
total
-
5 326
-
-
Dividends
-
30 174
-
-
withholding
-
6 107
-
-
total
-
6 107
-
-
Income
35 500
35 500
35 500
35 500
Total tax
21 358
11 433
17 131
15 429
After tax
14 142
24 067
18 369
20 071
Living cost
27 621
27 621
27 621
27 621
Free-cash
-13 479
-3 554
-9 252
-7 550

Estimated living cost  is ₽27621 per week

₽18643
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2655
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.
₽5838
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Valencia model

Close
Istanbul , Turkey
₽19401
₽18948
₽18708
₽18512
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
income
-
-
-
10 579
pensions
-
-
-
2 007
health
-
-
-
1 455
total
-
-
-
14 041
Employee
4 190
-
33 243
-
health
210
-
502
-
income
811
-
10 474
-
pensions
377
-
903
-
unemployment
42
-
100
-
total
1 440
-
11 979
-
Employer
4 190
-
33 243
-
unemployment
84
-
201
-
pensions
461
-
1 104
-
health
398
-
953
-
total
943
-
2 258
-
Corporate
30 367
35 500
-
-
income
6 681
7 810
-
-
total
6 681
7 810
-
-
Dividends
23 686
27 690
-
-
withholding
4 737
5 538
-
-
total
4 737
5 538
-
-
Income
35 500
35 500
35 500
35 500
Total tax
13 801
13 348
14 237
14 041
After tax
21 699
22 152
21 263
21 459
Living cost
2 751
2 751
2 751
2 751
Free-cash
18 948
19 401
18 512
18 708

Estimated living cost  is ₽2751 per week

₽1635
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.
₽830
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽8279
₽3338
₽825
₽2353
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
35 500
income
-
-
-
3 886
pensions
-
-
-
9 230
unemployment
-
-
-
533
health
-
-
-
3 656
total
-
-
-
17 305
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.

26 193
-
30 110
-
health
1 349
-
1 551
-
income
3 610
-
4 395
-
pensions
3 667
-
4 215
-
unemployment
196
-
226
-
total
8 822
-
10 387
-
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.

26 193
-
30 110
-
unemployment
196
-
226
-
pensions
3 143
-
3 613
-
health
1 349
-
1 551
-
total
4 688
-
5 390
-
Corporate
4 619
35 500
-
-
income
693
5 325
-
-
total
693
5 325
-
-
Dividends
3 926
30 175
-
-
withholding
589
4 526
-
-
total
589
4 526
-
-
Income
35 500
35 500
35 500
35 500
Total tax
14 792
9 851
15 777
17 305
After tax
20 708
25 649
19 723
18 195
Living cost
17 370
17 370
17 370
17 370
Free-cash
3 338
8 279
2 353
825

Estimated living cost  is ₽17370 per week

₽11695
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1344
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽503
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3829
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽6887
-₽12743
-₽6052
-₽6552
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
35 500
income
-
-
-
2 137
surtax
-
-
-
-
social contributions

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

-
-
-
12 336
total
-
-
-
14 473
Employee
38 984
-
28 686
-
social contributions
4 289
-
3 155
-
surtax
-
-
-
-
income
7 617
-
5 006
-
total
11 906
-
8 161
-
Employer
38 984
-
28 686
-
social contributions
9 258
-
6 812
-
total
9 258
-
6 812
-
Corporate
-
35 500
-
-
surtax
-
-
-
-
income
-
7 455
-
-
total
-
7 455
-
-
Dividends
-
28 045
-
-
withholding
-
7 853
-
-
total
-
7 853
-
-
Income
35 500
35 500
35 500
35 500
Total tax
21 164
15 308
14 973
14 473
After tax
14 336
20 192
20 527
21 027
Living cost
27 079
27 079
27 079
27 079
Free-cash
-12 743
-6 887
-6 552
-6 052

Estimated living cost  is ₽27079 per week

₽19179
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1881
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽480
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5539
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽11233
-₽28478
-₽15229
-₽16931
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
accident
-
-
-
320
income
-
-
-
4 778
pensions
-
-
-
10 047
other
-
-
-
36
unemployment
-
-
-
248
total
-
-
-
15 429
Employee
48 509
-
24 807
-
other
48
-
34
-
income
10 132
-
4 308
-
pensions
2 280
-
1 576
-
unemployment
751
-
520
-
total
13 211
-
6 438
-
Employer
48 509
-
24 807
-
accident
961
-
663
-
other
389
-
269
-
unemployment
2 669
-
1 845
-
pensions
11 448
-
7 916
-
total
15 467
-
10 693
-
Corporate
-
35 500
-
-
income

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

-
5 326
-
-
total
-
5 326
-
-
Dividends
-
30 174
-
-
withholding
-
6 107
-
-
total
-
6 107
-
-
Income
35 500
35 500
35 500
35 500
Total tax
28 678
11 433
17 131
15 429
After tax
6 822
24 067
18 369
20 071
Living cost
35 300
35 300
35 300
35 300
Free-cash
-28 478
-11 233
-16 931
-15 229

Estimated living cost  is ₽35300 per week

₽25351
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2745
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽497
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6708
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽13077
₽6957
₽3533
₽5138
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
income
-
-
-
5 325
pensions

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

-
-
-
5 192
unemployment
-
-
-
140
health
-
-
-
4 034
total
-
-
-
14 691
Employee
22 876
-
29 677
-
health
1 052
-
1 365
-
accident

We are using the highest rate at 1.1%.

251
-
326
-
income
2 288
-
2 967
-
pensions

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

2 008
-
2 606
-
total
5 599
-
7 264
-
Employer
22 876
-
29 677
-
accident

We are using the highest rate at 1.1%.

251
-
326
-
unemployment
137
-
178
-
pensions

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

2 521
-
3 270
-
health
1 579
-
2 048
-
total
4 488
-
5 822
-
Corporate
8 135
35 500
-
-
income
814
3 550
-
-
total
814
3 550
-
-
Dividends
7 322
31 950
-
-
withholding
366
1 597
-
-
total
366
1 597
-
-
Income
35 500
35 500
35 500
35 500
Total tax
11 267
5 147
13 086
14 691
After tax
24 233
30 353
22 414
20 809
Living cost
17 276
17 276
17 276
17 276
Free-cash
6 957
13 077
5 138
3 533

Estimated living cost  is ₽17276 per week

₽11426
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽989
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽412
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4449
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽20277
-₽14477
-₽10514
-₽10514
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
35 500
trade
-
-
-
-
income

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

-
-
-
355
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.

-
-
-
6 862
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.

-
-
-
19
total
-
-
-
7 236
Employee

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

49 976
-
35 500
-
health

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

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

6 862
-
6 862
-
surtax

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

227
-
19
-
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.

4 110
-
355
-
total
11 199
-
7 236
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
35 500
-
-
surtax

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

-
294
-
-
income
-
5 326
-
-
trade
-
5 095
-
-
chamber of commerce
-
204
-
-
total
-
10 919
-
-
Dividends
-
24 582
-
-
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.

-
316
-
-
withholding
-
5 764
-
-
total
-
6 080
-
-
Income
35 500
35 500
35 500
35 500
Total tax
11 199
16 999
7 236
7 236
After tax
24 301
18 501
28 264
28 264
Living cost
38 778
38 778
38 778
38 778
Free-cash
-14 477
-20 277
-10 514
-10 514

Estimated living cost  is ₽38778 per week

₽26750
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4172
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽562
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7293
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽32366
-₽43070
-₽26978
-₽26978
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
income
-
-
-
3 955
social contributions
-
-
-
1 306
total
-
-
-
5 261
Employee
78 569
-
35 500
-
income
14 826
-
3 955
-
social contributions
6 527
-
1 306
-
total
21 353
-
5 261
-
Employer
78 569
-
35 500
-
total
-
-
-
-
Corporate
-
35 500
-
-
income
-
4 437
-
-
total
-
4 437
-
-
Dividends
-
31 063
-
-
withholding
-
6 212
-
-
total
-
6 212
-
-
Income
35 500
35 500
35 500
35 500
Total tax
21 353
10 649
5 261
5 261
After tax
14 147
24 851
30 239
30 239
Living cost
57 217
57 217
57 217
57 217
Free-cash
-43 070
-32 366
-26 978
-26 978

Estimated living cost  is ₽57217 per week

₽43529
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4662
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽547
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8478
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽16848
-₽18193
-₽36282
-₽9320
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
35 500
income
-
-
-
28 591
health

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

-
-
-
6 730
total
-
-
-
35 321
Employee
46 077
-
32 267
-
income
5 000
-
1 893
-
social contributions
4 617
-
3 233
-
total
9 617
-
5 126
-
Employer
46 077
-
32 267
-
social contributions
4 617
-
3 233
-
total
4 617
-
3 233
-
Corporate
-
35 500
-
-
income
-
12 426
-
-
total
-
12 426
-
-
Dividends
-
23 074
-
-
social contributions
2 998
3 461
-
-
total
2 998
3 461
-
-
Income
35 500
35 500
35 500
35 500
Total tax
17 232
15 887
8 359
35 321
After tax
18 268
19 613
27 141
179
Living cost
36 461
36 461
36 461
36 461
Free-cash
-18 193
-16 848
-9 320
-36 282

Estimated living cost  is ₽36461 per week

₽24017
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2874
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽558
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9010
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Sliema model

Close
Edinburgh , United Kingdom
-₽10671
-₽21795
-₽10085
-₽12954
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
income
-
-
-
6 797
pensions
-
-
-
1 520
total
-
-
-
8 317
Employee
51 156
-
32 318
-
health
667
-
281
-
income
9 316
-
6 079
-
pensions
3 904
-
1 644
-
total
13 887
-
8 004
-
Employer
51 156
-
32 318
-
pensions
5 168
-
2 568
-
health
972
-
614
-
total
6 140
-
3 182
-
Corporate
-
35 500
-
-
income

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

-
6 746
-
-
total
-
6 746
-
-
Dividends
-
28 754
-
-
withholding
-
2 157
-
-
total
-
2 157
-
-
Income
35 500
35 500
35 500
35 500
Total tax
20 027
8 903
11 186
8 317
After tax
15 473
26 597
24 314
27 183
Living cost
37 268
37 268
37 268
37 268
Free-cash
-21 795
-10 671
-12 954
-10 085

Estimated living cost  is ₽37268 per week

₽25566
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3427
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽466
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7807
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽20996
-₽9701
-₽411
-₽5124
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
accident
-
-
-
253
income
-
-
-
5 062
pensions
-
-
-
4 169
other
-
-
-
371
health
-
-
-
2 185
total
-
-
-
12 040
Employee
37 549
-
29 490
-
health
4 299
-
3 377
-
income
5 151
-
4 046
-
pensions
4 228
-
3 321
-
total
13 678
-
10 744
-
Employer
37 549
-
29 490
-
accident
627
-
492
-
unemployment
920
-
722
-
pensions
6 105
-
4 795
-
total
7 652
-
6 009
-
Corporate
-
35 500
-
-
income

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

-
31 950
-
-
total
-
31 950
-
-
Dividends
-
3 550
-
-
withholding
-
675
-
-
total
-
675
-
-
Income
35 500
35 500
35 500
35 500
Total tax
21 330
32 625
16 753
12 040
After tax
14 170
2 875
18 747
23 460
Living cost
23 871
23 871
23 871
23 871
Free-cash
-9 701
-20 996
-5 124
-411

Estimated living cost  is ₽23871 per week

₽17518
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1391
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.
₽4480
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽16609
₽11725
₽8457
₽8457
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
35 500
work injury
-
-
-
178
health insurance
-
-
-
2 627
income
-
-
-
3 714
pensions
-
-
-
6 532
unemployment
-
-
-
426
total
-
-
-
13 477
Employee

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

21 706
-
35 500
-
work injury
109
-
178
-
income
2 171
-
3 714
-
pensions
3 994
-
6 532
-
health insurance
1 606
-
2 627
-
unemployment
260
-
426
-
total
8 140
-
13 477
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
13 794
35 500
-
-
income

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

-
-
-
-
total
-
-
-
-
Dividends
13 794
35 500
-
-
withholding
2 069
5 325
-
-
total
2 069
5 325
-
-
Income
35 500
35 500
35 500
35 500
Total tax
10 209
5 325
13 477
13 477
After tax
25 291
30 175
22 023
22 023
Living cost
13 566
13 566
13 566
13 566
Free-cash
11 725
16 609
8 457
8 457

Estimated living cost  is ₽13566 per week

₽8404
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽986
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽423
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3753
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽21316
-₽49140
-₽20403
-₽22515
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 500
municipal
-
-
-
238
regional
-
-
-
456
national
-
-
-
6 065
social contributions
-
-
-
9 130
total
-
-
-
15 889
Employee
84 639
-
35 500
-
social contributions
28 540
-
11 970
-
regional
1 278
-
408
-
municipal
505
-
212
-
national
14 303
-
5 411
-
total
44 626
-
18 001
-
Employer
84 639
-
35 500
-
total
-
-
-
-
Corporate
-
35 500
-
-
nationa
-
8 520
-
-
municipal
-
1 712
-
-
total
-
10 232
-
-
Dividends
-
25 268
-
-
withholding
-
6 570
-
-
total
-
6 570
-
-
Income
35 500
35 500
35 500
35 500
Total tax
44 626
16 802
18 001
15 889
After tax
-9 126
18 698
17 499
19 611
Living cost
40 014
40 014
40 014
40 014
Free-cash
-49 140
-21 316
-22 515
-20 403

Estimated living cost  is ₽40014 per week

₽28107
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2752
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽604
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8549
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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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