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
₽ 36000
per

Your estimated
City
free-cash

Dresden , Germany
-₽12175
-₽2596
-₽1921
-₽1921
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
36 000
trade
-
-
-
-
income

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

-
-
-
437
health

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

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

-
-
-
6 894
surtax

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

-
-
-
25
total
-
-
-
7 356
Employee

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

38 597
-
36 000
-
health

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

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

6 894
-
6 894
-
surtax

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

59
-
25
-
income

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

1 078
-
437
-
total
8 031
-
7 356
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
36 000
-
-
surtax

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

-
297
-
-
income
-
5 400
-
-
trade
-
5 670
-
-
chamber of commerce
-
205
-
-
total
-
11 572
-
-
Dividends
-
24 428
-
-
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.

-
314
-
-
withholding
-
5 724
-
-
total
-
6 038
-
-
Income
36 000
36 000
36 000
36 000
Total tax
8 031
17 610
7 356
7 356
After tax
27 969
18 390
28 644
28 644
Living cost
30 565
30 565
30 565
30 565
Free-cash
-2 596
-12 175
-1 921
-1 921

Estimated living cost  is ₽30565 per week

₽19226
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3564
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽571
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7204
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽28526
-₽50218
-₽27203
-₽26921
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
municipal
-
-
-
2 944
pensions
-
-
-
4 320
national
-
-
-
4 562
social contributions
-
-
-
387
total
-
-
-
12 213
Employee
79 044
-
31 122
-
municipal
9 763
-
3 083
-
pensions
3 162
-
1 245
-
national
15 129
-
4 778
-
total
28 054
-
9 106
-
Employer
79 044
-
31 122
-
social contributions
850
-
335
-
pensions
6 324
-
2 490
-
total
7 174
-
2 825
-
Corporate
-
36 000
-
-
income

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

-
7 200
-
-
total
-
7 200
-
-
Dividends
-
28 800
-
-
withholding
-
6 336
-
-
total
-
6 336
-
-
Income
36 000
36 000
36 000
36 000
Total tax
35 228
13 536
11 931
12 213
After tax
772
22 464
24 069
23 787
Living cost
50 990
50 990
50 990
50 990
Free-cash
-50 218
-28 526
-26 921
-27 203

Estimated living cost  is ₽50990 per week

₽34657
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4740
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽763
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10830
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Additional information

It is very difficult to get a residence permit on a basis of self-employment for a Third Country National (non-EU/EFTA/Swiss and without a long-term EU resident permit). EU/EFTA nationals and long-term EU resident permit holders can register self-employed and apply for a permanent residence.

Source of data for Reykjavik model

Close
Riga , Latvia
₽7806
-₽590
₽6429
-₽337
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
36 000
microenterprise
-
-
-
5 400
income
-
-
-
-
surtax
-
-
-
-
social contributions

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

-
-
-
3 177
total
-
-
-
8 577
Employee
29 487
-
29 010
-
social contributions

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

3 244
-
3 190
-
surtax
-
-
-
-
income
5 249
-
5 165
-
total
8 493
-
8 355
-
Employer
29 487
-
29 010
-
social contributions

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

7 103
-
6 988
-
surtax
-
-
-
-
total
7 103
-
6 988
-
Corporate
-
36 000
-
-
income

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

-
7 200
-
-
total
-
7 200
-
-
Dividends

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

-
28 800
-
-
total
-
-
-
-
Income
36 000
36 000
36 000
36 000
Total tax
15 596
7 200
15 343
8 577
After tax
20 404
28 800
20 657
27 423
Living cost
20 994
20 994
20 994
20 994
Free-cash
-590
7 806
-337
6 429

Estimated living cost  is ₽20994 per week

₽13393
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1999
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽477
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5125
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Riga model

Close
Rotterdam , Netherlands
-₽58542
-₽64206
-₽21520
-₽64206
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
income
-
-
-
3 240
pensions
-
-
-
6 480
health
-
-
-
5 527
total
-
-
-
15 247
Employee
86 174
86 174
86 174
-
health
13 227
11 251
13 227
-
income

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

14 105
14 105
14 105
-
pensions
15 511
11 823
15 511
-
total
42 843
37 179
42 843
-
Employer
86 174
86 174
86 174
-
unemployment
3 102
3 102
3 102
-
pensions
5 998
5 998
5 998
-
health
5 990
5 990
5 990
-
total
15 090
15 090
15 090
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
36 000
36 000
36 000
36 000
Total tax
57 933
52 269
57 933
15 247
After tax
-21 933
-16 269
-21 933
20 753
Living cost
42 273
42 273
42 273
42 273
Free-cash
-64 206
-58 542
-64 206
-21 520

Estimated living cost  is ₽42273 per week

₽29958
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3811
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽672
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7832
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽19333
-₽37013
-₽21044
-₽19765
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
municipal
-
-
-
7 625
accident
-
-
-
72
pensions
-
-
-
3 892
other
-
-
-
4 183
unemployment
-
-
-
36
health
-
-
-
2 247
national
-
-
-
-
total
-
-
-
18 055
Employee
55 556
-
27 393
-
municipal
16 567
-
8 169
-
national
-
-
-
-
total
16 567
-
8 169
-
Employer
55 556
-
27 393
-
accident
111
-
55
-
other
6 456
-
3 183
-
unemployment
1 467
-
723
-
pensions
6 006
-
2 961
-
health
3 417
-
1 685
-
total
17 457
-
8 607
-
Corporate
-
36 000
-
-
income
-
7 920
-
-
total
-
7 920
-
-
Dividends
-
28 080
-
-
withholding
-
8 424
-
-
total
-
8 424
-
-
Income
36 000
36 000
36 000
36 000
Total tax
34 024
16 344
16 776
18 055
After tax
1 976
19 656
19 224
17 945
Living cost
38 989
38 989
38 989
38 989
Free-cash
-37 013
-19 333
-19 765
-21 044

Estimated living cost  is ₽38989 per week

₽25841
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3826
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽592
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8731
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Stockholm model

Close
Hamburg , Germany
-₽21438
-₽15174
-₽10998
-₽10998
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
36 000
trade
-
-
-
-
income

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

-
-
-
437
health

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

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

-
-
-
6 894
surtax

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

-
-
-
25
total
-
-
-
7 356
Employee

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

51 174
-
36 000
-
health

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

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

6 894
-
6 894
-
surtax

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

241
-
25
-
income

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

4 397
-
437
-
total
11 532
-
7 356
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
36 000
-
-
surtax

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

-
297
-
-
income
-
5 400
-
-
trade
-
5 921
-
-
chamber of commerce
-
205
-
-
total
-
11 823
-
-
Dividends
-
24 177
-
-
surtax

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

-
312
-
-
withholding
-
5 661
-
-
total
-
5 973
-
-
Income
36 000
36 000
36 000
36 000
Total tax
11 532
17 796
7 356
7 356
After tax
24 468
18 204
28 644
28 644
Living cost
39 642
39 642
39 642
39 642
Free-cash
-15 174
-21 438
-10 998
-10 998

Estimated living cost  is ₽39642 per week

₽26513
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4180
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.
₽8357
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽19549
-₽14034
-₽3694
-₽11844
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
38 362
income
-
-
-
-
health
-
-
-
979
social contributions
-
-
-
5 984
total
-
-
-
6 963
Employee
77 596
77 596
77 596
-
social contributions
3 771
6 440
2 712
-
health
772
1 319
555
-
income
8 148
7 183
8 529
-
total
12 691
14 942
11 796
-
Employer
77 596
77 596
77 596
-
social contributions
3 771
6 440
2 712
-
health
841
1 436
605
-
total
4 612
7 876
3 317
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
36 000
36 000
36 000
36 000
Total tax
17 303
22 818
15 113
6 963
After tax
18 697
13 182
20 887
29 037
Living cost
32 731
32 731
32 731
32 731
Free-cash
-14 034
-19 549
-11 844
-3 694

Estimated living cost  is ₽32731 per week

₽22375
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2557
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽550
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7250
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽2186
₽2565
₽6604
₽2534
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
income
-
-
-
4 401
pensions
-
-
-
3 600
unemployment
-
-
-
540
health
-
-
-
2 520
total
-
-
-
11 061
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.

26 467
10 533
30 126
-
health
1 853
737
2 109
-
income
3 236
1 288
3 683
-
pensions
2 647
1 053
3 013
-
unemployment
397
158
452
-
total
8 133
3 236
9 257
-
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.

26 467
10 533
30 126
-
pensions
5 161
2 054
5 874
-
total
5 161
2 054
5 874
-
Corporate
4 372
23 413
-
-
income
394
2 107
-
-
total
394
2 107
-
-
Dividends
3 979
21 306
-
-
social contributions
656
4 034
-
-
withholding
756
4 048
-
-
total
1 412
8 082
-
-
Income
36 000
36 000
36 000
36 000
Total tax
15 100
15 479
15 131
11 061
After tax
20 900
20 521
20 869
24 939
Living cost
18 335
18 335
18 335
18 335
Free-cash
2 565
2 186
2 534
6 604

Estimated living cost  is ₽18335 per week

₽12512
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1500
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽366
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3956
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽4426
-₽2305
-₽2780
-₽1327
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
income
-
-
-
2 526
pensions
-
-
-
7 200
health
-
-
-
4 680
total
-
-
-
14 406
Employee
28 627
-
26 906
-
income
3 223
-
2 890
-
pensions
573
-
538
-
unemployment
458
-
431
-
total
4 254
-
3 859
-
Employer
28 627
-
26 906
-
unemployment
230
-
214
-
pensions
5 726
-
5 381
-
health
3 721
-
3 499
-
total
9 677
-
9 094
-
Corporate
-
36 000
-
-
income
-
7 200
-
-
total
-
7 200
-
-
Dividends
-
28 800
-
-
total
-
-
-
-
Income
36 000
36 000
36 000
36 000
Total tax
13 931
7 200
12 953
14 406
After tax
22 069
28 800
23 047
21 594
Living cost
24 374
24 374
24 374
24 374
Free-cash
-2 305
4 426
-1 327
-2 780

Estimated living cost  is ₽24374 per week

₽16718
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1452
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽490
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5714
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽19155
-₽5795
₽1792
-₽3061
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
accident
-
-
-
253
income
-
-
-
5 150
pensions
-
-
-
4 174
other
-
-
-
372
health
-
-
-
2 188
total
-
-
-
12 137
Employee
34 719
-
29 905
-
health
3 975
-
3 424
-
income
4 763
-
4 103
-
pensions
3 909
-
3 367
-
total
12 647
-
10 894
-
Employer
34 719
-
29 905
-
accident
580
-
500
-
unemployment
851
-
733
-
pensions
5 646
-
4 863
-
total
7 077
-
6 096
-
Corporate
-
36 000
-
-
income

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

-
32 400
-
-
total
-
32 400
-
-
Dividends
-
3 600
-
-
withholding
-
684
-
-
total
-
684
-
-
Income
36 000
36 000
36 000
36 000
Total tax
19 724
33 084
16 990
12 137
After tax
16 276
2 916
19 010
23 863
Living cost
22 071
22 071
22 071
22 071
Free-cash
-5 795
-19 155
-3 061
1 792

Estimated living cost  is ₽22071 per week

₽16176
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1223
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽461
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4212
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Additional information

Poland permits registration as a sole-trader only for EU nationals or long-term EU resident permit holders. Other nationals should use a business incubator or set up a company and hire themselves as an employee.

Source of data for Gdansk model

Close
Batumi , Georgia
₽25121
₽23419
₽26561
₽19721
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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%.

-
-
-
36 000
microenterprise

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

-
-
-
360
total
-
-
-
360
Employee
11 349
-
36 000
-
income
2 269
-
7 200
-
total
2 269
-
7 200
-
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%.

24 651
36 000
-
-
total
-
-
-
-
Dividends
24 651
36 000
-
-
withholding
1 233
1 800
-
-
total
1 233
1 800
-
-
Income
36 000
36 000
36 000
36 000
Total tax
3 502
1 800
7 200
360
After tax
32 498
34 200
28 800
35 640
Living cost
9 079
9 079
9 079
9 079
Free-cash
23 419
25 121
19 721
26 561

Estimated living cost  is ₽9079 per week

₽5627
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽755
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽250
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2448
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Additional information

Social security system in Georgia is financed from the government taxes which are part of our internal model. Separate pension and medical insurance contributions are not compulsory. It is advisable to purchase health insurance privately as in an event of medical emergency the treatment is likely to get costly.

Source of data for Batumi model

Close
Bratislava , Slovakia
-₽441
-₽9874
-₽7396
-₽5785
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
income
-
-
-
4 573
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.

-
-
-
8 640
other
-
-
-
1 710
health
-
-
-
1 584
total
-
-
-
16 507
Employee
36 640
-
28 756
-
health
513
-
402
-
income
6 308
-
4 950
-
pensions

Participation in the individual account program is voluntary (6% of an income). The decision to contribute to an individual account must be made before the age of 35 and cannot be reversed.

2 564
-
2 013
-
unemployment
366
-
287
-
total
9 751
-
7 652
-
Employer
36 640
-
28 756
-
accident
293
-
230
-
other
1 833
-
1 438
-
unemployment
366
-
287
-
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.

6 229
-
4 887
-
health
513
-
402
-
total
9 234
-
7 244
-
Corporate
-
36 000
-
-
income
-
7 560
-
-
total
-
7 560
-
-
Dividends
-
28 440
-
-
withholding
-
1 992
-
-
total
-
1 992
-
-
Income
36 000
36 000
36 000
36 000
Total tax
18 985
9 552
14 896
16 507
After tax
17 015
26 448
21 104
19 493
Living cost
26 889
26 889
26 889
26 889
Free-cash
-9 874
-441
-5 785
-7 396

Estimated living cost  is ₽26889 per week

₽18999
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1815
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽433
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5642
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Bratislava model

Close
London , United Kingdom
-₽40750
-₽72950
-₽40163
-₽43079
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
income
-
-
-
6 891
pensions
-
-
-
1 550
total
-
-
-
8 441
Employee
95 816
-
32 766
-
health
1 579
-
288
-
income
17 272
-
6 159
-
pensions
9 244
-
1 677
-
total
28 095
-
8 124
-
Employer
95 816
-
32 766
-
pensions
11 313
-
2 611
-
health
1 820
-
622
-
total
13 133
-
3 233
-
Corporate
-
36 000
-
-
income

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

-
6 840
-
-
total
-
6 840
-
-
Dividends
-
29 160
-
-
withholding
-
2 188
-
-
total
-
2 188
-
-
Income
36 000
36 000
36 000
36 000
Total tax
41 228
9 028
11 357
8 441
After tax
-5 228
26 972
24 643
27 559
Living cost
67 722
67 722
67 722
67 722
Free-cash
-72 950
-40 750
-43 079
-40 163

Estimated living cost  is ₽67722 per week

₽50745
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽7957
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽551
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8470
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details

Additional information

The only visa which will gain you entry to the UK as a freelancer is Tier 1 (with an exception of EU nationals or long-term UK residence permit holders, up until Brexit). There are two Tier 1 visa pathways.

You can either apply for an Entrepreneur visa which requires an investment of at least £200000 and creating two full time jobs, or choose an Exceptional Talent visa, which has no financial requirements but is more difficult to obtain.

Source of data for London model

Close
Varna , Bulgaria
₽17541
₽12851
₽7944
₽9490
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
income
-
-
-
5 400
pensions

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

-
-
-
5 220
unemployment
-
-
-
141
health
-
-
-
4 056
total
-
-
-
14 817
Employee
17 531
-
30 096
-
health
806
-
1 384
-
accident

We are using the highest rate at 1.1%.

193
-
331
-
income
1 753
-
3 010
-
pensions

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

1 539
-
2 642
-
total
4 291
-
7 367
-
Employer
17 531
-
30 096
-
accident

We are using the highest rate at 1.1%.

193
-
331
-
unemployment
105
-
180
-
pensions

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

1 932
-
3 317
-
health
1 210
-
2 076
-
total
3 440
-
5 904
-
Corporate
15 029
36 000
-
-
income
1 503
3 600
-
-
total
1 503
3 600
-
-
Dividends
13 526
32 400
-
-
withholding
676
1 620
-
-
total
676
1 620
-
-
Income
36 000
36 000
36 000
36 000
Total tax
9 910
5 220
13 271
14 817
After tax
26 090
30 780
22 729
21 183
Living cost
13 239
13 239
13 239
13 239
Free-cash
12 851
17 541
9 490
7 944

Estimated living cost  is ₽13239 per week

₽7729
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽945
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽351
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4214
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Varna model

Close
Amsterdam , Netherlands
-₽72226
-₽73937
-₽35204
-₽77890
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
income
-
-
-
3 240
pensions
-
-
-
6 480
health
-
-
-
5 527
total
-
-
-
15 247
Employee
93 558
86 174
86 174
-
health
11 672
11 251
13 227
-
income

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

14 105
14 105
14 105
-
pensions
11 823
11 823
15 511
-
total
37 600
37 179
42 843
-
Employer
93 558
86 174
86 174
-
unemployment
3 368
3 102
3 102
-
pensions
6 511
5 998
5 998
-
health
6 501
5 990
5 990
-
total
16 380
15 090
15 090
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
36 000
36 000
36 000
36 000
Total tax
53 980
52 269
57 933
15 247
After tax
-17 980
-16 269
-21 933
20 753
Living cost
55 957
55 957
55 957
55 957
Free-cash
-73 937
-72 226
-77 890
-35 204

Estimated living cost  is ₽55957 per week

₽41278
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4998
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽642
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9041
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Amsterdam model

Close
Brno , Czech Republic
₽619
-₽11624
-₽6633
-₽5898
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
income
-
-
-
3 094
health
-
-
-
4 860
solidarity contribution
-
-
-
-
social contributions
-
-
-
10 512
total
-
-
-
18 466
Employee
35 540
-
26 866
-
social contributions
2 310
-
1 746
-
health
4 798
-
3 627
-
solidarity contribution
-
-
-
-
income
4 265
-
3 224
-
total
11 373
-
8 597
-
Employer
35 540
-
26 866
-
social contributions
8 885
-
6 716
-
health
3 199
-
2 418
-
total
12 084
-
9 134
-
Corporate
-
36 000
-
-
income
-
6 840
-
-
total
-
6 840
-
-
Dividends
-
29 160
-
-
withholding
-
4 374
-
-
total
-
4 374
-
-
Income
36 000
36 000
36 000
36 000
Total tax
23 457
11 214
17 731
18 466
After tax
12 543
24 786
18 269
17 534
Living cost
24 167
24 167
24 167
24 167
Free-cash
-11 624
619
-5 898
-6 633

Estimated living cost  is ₽24167 per week

₽16787
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1719
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.
₽5186
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽23373
-₽53683
-₽22534
-₽24692
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
municipal
-
-
-
214
regional
-
-
-
329
national
-
-
-
6 151
social contributions
-
-
-
9 259
total
-
-
-
15 953
Employee
89 684
-
36 000
-
social contributions
30 241
-
12 139
-
regional
846
-
293
-
municipal
475
-
191
-
national
15 540
-
5 488
-
total
47 102
-
18 111
-
Employer
89 684
-
36 000
-
total
-
-
-
-
Corporate
-
36 000
-
-
nationa
-
8 640
-
-
municipal
-
1 404
-
-
total
-
10 044
-
-
Dividends
-
25 956
-
-
withholding
-
6 748
-
-
total
-
6 748
-
-
Income
36 000
36 000
36 000
36 000
Total tax
47 102
16 792
18 111
15 953
After tax
-11 102
19 208
17 889
20 047
Living cost
42 581
42 581
42 581
42 581
Free-cash
-53 683
-23 373
-24 692
-22 534

Estimated living cost  is ₽42581 per week

₽29682
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2792
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽653
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9452
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽375
-₽4396
-₽1525
-₽2367
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
income
-
-
-
5 203
pensions
-
-
-
7 200
other
-
-
-
-
unemployment
-
-
-
230
health
-
-
-
2 557
surtax
-
-
-
67
total
-
-
-
15 257
Employee
33 371
-
29 740
-
other
-
-
-
-
health
852
-
758
-
surtax
109
-
42
-
income
5 594
-
4 985
-
pensions
2 225
-
1 984
-
unemployment
2 323
-
2 070
-
total
11 103
-
9 839
-
Employer
33 371
-
29 740
-
other
-
-
-
-
unemployment
1 057
-
942
-
pensions
4 449
-
3 964
-
health
1 519
-
1 354
-
total
7 025
-
6 260
-
Corporate
-
36 000
-
-
income
-
9 360
-
-
total
-
9 360
-
-
Dividends
-
26 640
-
-
withholding
-
3 997
-
-
total
-
3 997
-
-
Income
36 000
36 000
36 000
36 000
Total tax
18 128
13 357
16 099
15 257
After tax
17 872
22 643
19 901
20 743
Living cost
22 268
22 268
22 268
22 268
Free-cash
-4 396
375
-2 367
-1 525

Estimated living cost  is ₽22268 per week

₽13616
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2055
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽513
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6084
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details

Source of data for Thessaloniki model

Close
Cambridge , United Kingdom
-₽19294
-₽36384
-₽18707
-₽21623
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
income
-
-
-
6 891
pensions
-
-
-
1 550
total
-
-
-
8 441
Employee
64 213
-
32 766
-
health
932
-
288
-
income
11 565
-
6 159
-
pensions
5 450
-
1 677
-
total
17 947
-
8 124
-
Employer
64 213
-
32 766
-
pensions
6 951
-
2 611
-
health
1 220
-
622
-
total
8 171
-
3 233
-
Corporate
-
36 000
-
-
income

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

-
6 840
-
-
total
-
6 840
-
-
Dividends
-
29 160
-
-
withholding
-
2 188
-
-
total
-
2 188
-
-
Income
36 000
36 000
36 000
36 000
Total tax
26 118
9 028
11 357
8 441
After tax
9 882
26 972
24 643
27 559
Living cost
46 266
46 266
46 266
46 266
Free-cash
-36 384
-19 294
-21 623
-18 707

Estimated living cost  is ₽46266 per week

₽34662
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3468
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽484
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7651
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽59804
-₽61753
-₽45419
-₽48223
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
city
-
-
-
378
pensions
-
-
-
3 312
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.

-
-
-
721
regional
-
-
-
468
health
-
-
-
249
national
-
-
-
25
total
-
-
-
5 153
Employee
89 251
-
31 700
-
city
958
-
333
-
regional
2 923
-
355
-
health
202
-
71
-
pensions
7 498
-
3 246
-
unemployment
-
-
-
-
national
422
-
-
-
total
12 003
-
4 005
-
Employer
89 251
-
31 700
-
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.

1 784
-
635
-
unemployment
-
-
-
-
pensions
7 498
-
3 246
-
health
202
-
71
-
total
9 484
-
3 952
-
Corporate
-
36 000
-
-
regional
-
7 614
-
-
national
-
3 060
-
-
total
-
10 674
-
-
Dividends
-
25 327
-
-
withholding
-
8 864
-
-
total
-
8 864
-
-
Income
36 000
36 000
36 000
36 000
Total tax
21 487
19 538
7 957
5 153
After tax
14 513
16 462
28 043
30 847
Living cost
76 266
76 266
76 266
76 266
Free-cash
-61 753
-59 804
-48 223
-45 419

Estimated living cost  is ₽76266 per week

₽49595
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6844
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽936
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽18891
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽28208
-₽24646
-₽17584
-₽17584
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
36 000
trade
-
-
-
-
income

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

-
-
-
437
health

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

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

-
-
-
6 894
surtax

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

-
-
-
25
total
-
-
-
7 356
Employee

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

60 646
-
36 000
-
health

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

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

6 894
-
6 894
-
surtax

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

393
-
25
-
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.

7 131
-
437
-
total
14 418
-
7 356
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
36 000
-
-
surtax

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

-
297
-
-
income
-
5 400
-
-
trade
-
6 174
-
-
chamber of commerce
-
203
-
-
total
-
12 074
-
-
Dividends
-
23 926
-
-
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.

-
308
-
-
withholding
-
5 598
-
-
total
-
5 906
-
-
Income
36 000
36 000
36 000
36 000
Total tax
14 418
17 980
7 356
7 356
After tax
21 582
18 020
28 644
28 644
Living cost
46 228
46 228
46 228
46 228
Free-cash
-24 646
-28 208
-17 584
-17 584

Estimated living cost  is ₽46228 per week

₽33763
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3698
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽601
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8167
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽16380
-₽20675
-₽12456
-₽11617
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
income
-
-
-
515
pensions
-
-
-
10 961
other
-
-
-
1 116
health
-
-
-
314
surtax
-
-
-
-
social contributions
-
-
-
1 025
total
-
-
-
13 931
Employee
43 189
-
27 432
-
social contributions
1 231
-
781
-
surtax
-
-
-
-
income
2 549
-
645
-
pensions
4 883
-
3 100
-
total
8 663
-
4 526
-
Employer
43 189
-
27 432
-
other
1 490
-
946
-
social contributions
130
-
82
-
unemployment
1 748
-
1 111
-
pensions
7 095
-
4 506
-
health
3 024
-
1 921
-
total
13 487
-
8 566
-
Corporate
-
36 000
-
-
surtax
-
-
-
-
income
-
10 080
-
-
total
-
10 080
-
-
Dividends
-
25 920
-
-
surtax
-
-
-
-
social contributions
-
4 458
-
-
withholding
-
3 317
-
-
total
-
7 775
-
-
Income
36 000
36 000
36 000
36 000
Total tax
22 150
17 855
13 092
13 931
After tax
13 850
18 145
22 908
22 069
Living cost
34 525
34 525
34 525
34 525
Free-cash
-20 675
-16 380
-11 617
-12 456

Estimated living cost  is ₽34525 per week

₽21770
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2807
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽588
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9362
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽12960
-₽14592
-₽9036
-₽8197
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
income
-
-
-
515
pensions
-
-
-
10 961
other
-
-
-
1 116
health
-
-
-
314
surtax
-
-
-
-
social contributions
-
-
-
1 025
total
-
-
-
13 931
Employee
38 552
-
27 432
-
social contributions
1 099
-
781
-
surtax
-
-
-
-
income
1 988
-
645
-
pensions
4 360
-
3 100
-
total
7 447
-
4 526
-
Employer
38 552
-
27 432
-
other
1 331
-
946
-
social contributions
115
-
82
-
unemployment
1 561
-
1 111
-
pensions
6 335
-
4 506
-
health
2 698
-
1 921
-
total
12 040
-
8 566
-
Corporate
-
36 000
-
-
surtax
-
-
-
-
income
-
10 080
-
-
total
-
10 080
-
-
Dividends
-
25 920
-
-
surtax
-
-
-
-
social contributions
-
4 458
-
-
withholding
-
3 317
-
-
total
-
7 775
-
-
Income
36 000
36 000
36 000
36 000
Total tax
19 487
17 855
13 092
13 931
After tax
16 513
18 145
22 908
22 069
Living cost
31 105
31 105
31 105
31 105
Free-cash
-14 592
-12 960
-8 197
-9 036

Estimated living cost  is ₽31105 per week

₽18039
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3160
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽590
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9316
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽564
-₽1210
₽1723
₽1005
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
income
-
-
-
5 400
health
-
-
-
2 512
social contributions
-
-
-
4 967
total
-
-
-
12 879
Employee
34 215
-
36 000
-
social contributions
4 722
-
4 967
-
health
2 388
-
2 512
-
income
5 707
-
6 118
-
total
12 817
-
13 597
-
Employer
34 215
-
36 000
-
total
-
-
-
-
Corporate
1 785
36 000
-
-
income

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

90
1 800
-
-
total
90
1 800
-
-
Dividends
1 695
34 200
-
-
health
890
2 388
-
-
social contributions
1 760
4 720
-
-
withholding
255
5 130
-
-
total
2 905
12 238
-
-
Income
36 000
36 000
36 000
36 000
Total tax
15 812
14 038
13 597
12 879
After tax
20 188
21 962
22 403
23 121
Living cost
21 398
21 398
21 398
21 398
Free-cash
-1 210
564
1 005
1 723

Estimated living cost  is ₽21398 per week

₽14320
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1319
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽492
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5264
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽22534
-₽30099
-₽15503
-₽22855
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
chamber of commerce
-
-
-
144
income
-
-
-
-
pensions
-
-
-
6 660
unemployment
-
-
-
6 189
health
-
-
-
2 754
surtax
-
-
-
199
total
-
-
-
15 946
Employee
50 431
40 215
40 215
-
other
504
402
270
-
health
1 951
1 557
1 047
-
income
5 741
2 966
3 646
-
pensions
5 165
4 117
2 771
-
unemployment
1 513
1 206
812
-
total
14 874
10 248
8 546
-
Employer
50 431
40 215
40 215
-
accident
655
523
352
-
other
2 396
1 909
1 798
-
chamber of commerce
201
161
161
-
unemployment
1 513
1 206
812
-
surtax
199
199
199
-
pensions
6 329
5 048
3 395
-
payroll
1 513
1 206
1 206
-
health
1 905
1 520
1 023
-
total
14 711
11 772
8 946
-
Corporate
3 830
3 830
23 223
-
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.

957
957
5 806
-
total
957
957
5 806
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
36 000
36 000
36 000
36 000
Total tax
30 542
22 977
23 298
15 946
After tax
5 458
13 023
12 702
20 054
Living cost
35 557
35 557
35 557
35 557
Free-cash
-30 099
-22 534
-22 855
-15 503

Estimated living cost  is ₽35557 per week

₽23715
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3033
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽584
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8225
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Additional information

As a Third Country National (non-EU/EFTA/Swiss and without a long-term EU resident permit), you can apply for permanent residence when your business creates macroeconomic benefit. This could be an investment starting from €100,000, creating new jobs or securing existing ones, or making a substantial contribution to the region's economy. You can also be considered with a transfer of know-how to Austria or an evident commitment to develop an innovative product or technology.

Source of data for Vienna model

Close
Brussels , Belgium
-₽16367
-₽57195
-₽14688
-₽20070
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
national
-
-
-
9 750
communal

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

-
-
-
2 034
social contributions
-
-
-
2 110
total
-
-
-
13 894
Employee

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

72 183
-
27 880
-
communal

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

3 765
-
1 453
-
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.

3 391
-
1 310
-
pensions

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

5 414
-
2 091
-
unemployment

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

628
-
243
-
national
22 192
-
6 059
-
total
35 390
-
11 156
-
Employer

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

72 183
-
27 880
-
accident

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

938
-
364
-
unemployment

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

1 053
-
408
-
surtax
8 185
-
3 164
-
pensions

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

6 396
-
2 470
-
health

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

4 439
-
1 714
-
total
21 011
-
8 120
-
Corporate
-
36 000
-
-
surtax
-
144
-
-
income
-
7 200
-
-
total
-
7 344
-
-
Dividends
-
28 656
-
-
withholding

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

-
8 229
-
-
total
-
8 229
-
-
Income
36 000
36 000
36 000
36 000
Total tax
56 401
15 573
19 276
13 894
After tax
-20 401
20 427
16 724
22 106
Living cost
36 794
36 794
36 794
36 794
Free-cash
-57 195
-16 367
-20 070
-14 688

Estimated living cost  is ₽36794 per week

₽23700
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3217
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽576
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9301
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽12040
-₽30242
-₽16099
-₽17720
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
accident
-
-
-
324
income
-
-
-
4 855
pensions
-
-
-
10 188
other
-
-
-
36
unemployment
-
-
-
253
total
-
-
-
15 656
Employee
50 231
-
25 257
-
other
50
-
34
-
income
10 598
-
4 393
-
pensions
2 361
-
1 584
-
unemployment
779
-
523
-
total
13 788
-
6 534
-
Employer
50 231
-
25 257
-
accident
994
-
666
-
other
400
-
270
-
unemployment
2 763
-
1 854
-
pensions
11 854
-
7 953
-
total
16 011
-
10 743
-
Corporate
-
36 000
-
-
income

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

-
5 400
-
-
total
-
5 400
-
-
Dividends
-
30 600
-
-
withholding
-
6 197
-
-
total
-
6 197
-
-
Income
36 000
36 000
36 000
36 000
Total tax
29 799
11 597
17 277
15 656
After tax
6 201
24 403
18 723
20 344
Living cost
36 443
36 443
36 443
36 443
Free-cash
-30 242
-12 040
-17 720
-16 099

Estimated living cost  is ₽36443 per week

₽26837
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2585
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽525
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6496
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Barcelona model

Close
Luxembourg , Luxembourg
-₽32188
-₽49549
-₽32472
-₽32474
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
accident
-
-
-
433
income
-
-
-
216
pensions
-
-
-
7 683
health
-
-
-
3 600
surtax
-
-
-
1 701
communal
-
-
-
-
total
-
-
-
13 633
Employee
76 419
-
30 261
-
health
3 401
-
2 137
-
surtax
4 684
-
1 701
-
income
7 381
-
216
-
pensions
6 113
-
3 841
-
total
21 579
-
7 895
-
Employer
76 419
-
30 261
-
accident
687
-
433
-
pensions
6 113
-
3 841
-
health
2 331
-
1 465
-
total
9 131
-
5 739
-
Corporate
-
36 000
-
-
surtax
-
377
-
-
communal
-
2 430
-
-
income
-
5 400
-
-
total
-
8 207
-
-
Dividends
-
27 792
-
-
income
-
973
-
-
withholding
-
4 169
-
-
total
-
5 142
-
-
Income
36 000
36 000
36 000
36 000
Total tax
30 710
13 349
13 634
13 633
After tax
5 290
22 651
22 366
22 367
Living cost
54 839
54 839
54 839
54 839
Free-cash
-49 549
-32 188
-32 474
-32 472

Estimated living cost  is ₽54839 per week

₽41138
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3323
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽580
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9797
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽23
-₽5137
-₽1923
-₽2765
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
income
-
-
-
5 203
pensions
-
-
-
7 200
other
-
-
-
-
unemployment
-
-
-
230
health
-
-
-
2 557
surtax
-
-
-
67
total
-
-
-
15 257
Employee
33 983
-
29 740
-
other
-
-
-
-
health
867
-
758
-
surtax
121
-
42
-
income
5 697
-
4 985
-
pensions
2 267
-
1 984
-
unemployment
2 365
-
2 070
-
total
11 317
-
9 839
-
Employer
33 983
-
29 740
-
other
-
-
-
-
unemployment
1 078
-
942
-
pensions
4 531
-
3 964
-
health
1 545
-
1 354
-
total
7 154
-
6 260
-
Corporate
-
36 000
-
-
income
-
9 360
-
-
total
-
9 360
-
-
Dividends
-
26 640
-
-
withholding
-
3 997
-
-
total
-
3 997
-
-
Income
36 000
36 000
36 000
36 000
Total tax
18 471
13 357
16 099
15 257
After tax
17 529
22 643
19 901
20 743
Living cost
22 666
22 666
22 666
22 666
Free-cash
-5 137
-23
-2 765
-1 923

Estimated living cost  is ₽22666 per week

₽13684
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1971
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽527
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6486
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details

Source of data for Athens model

Close
Naples , Italy
-₽8261
-₽19978
-₽7349
-₽9485
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
municipal
-
-
-
214
regional
-
-
-
542
national
-
-
-
6 151
social contributions
-
-
-
9 259
total
-
-
-
16 166
Employee
55 977
-
36 000
-
social contributions
18 876
-
12 139
-
regional
754
-
484
-
municipal
297
-
191
-
national
8 868
-
5 488
-
total
28 795
-
18 302
-
Employer
55 977
-
36 000
-
total
-
-
-
-
Corporate
-
36 000
-
-
nationa
-
8 640
-
-
municipal
-
1 789
-
-
total
-
10 429
-
-
Dividends
-
25 571
-
-
withholding
-
6 649
-
-
total
-
6 649
-
-
Income
36 000
36 000
36 000
36 000
Total tax
28 795
17 078
18 302
16 166
After tax
7 205
18 922
17 698
19 834
Living cost
27 183
27 183
27 183
27 183
Free-cash
-19 978
-8 261
-9 485
-7 349

Estimated living cost  is ₽27183 per week

₽16906
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2754
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽465
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7059
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Naples model

Close
Prague , Czech Republic
-₽4994
-₽22684
-₽12246
-₽11511
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
income
-
-
-
3 094
health
-
-
-
4 860
solidarity contribution
-
-
-
-
social contributions
-
-
-
10 512
total
-
-
-
18 466
Employee
43 794
-
26 866
-
social contributions
2 847
-
1 746
-
health
5 912
-
3 627
-
solidarity contribution
-
-
-
-
income
5 255
-
3 224
-
total
14 014
-
8 597
-
Employer
43 794
-
26 866
-
social contributions
10 949
-
6 716
-
health
3 941
-
2 418
-
total
14 890
-
9 134
-
Corporate
-
36 000
-
-
income
-
6 840
-
-
total
-
6 840
-
-
Dividends
-
29 160
-
-
withholding
-
4 374
-
-
total
-
4 374
-
-
Income
36 000
36 000
36 000
36 000
Total tax
28 904
11 214
17 731
18 466
After tax
7 096
24 786
18 269
17 534
Living cost
29 780
29 780
29 780
29 780
Free-cash
-22 684
-4 994
-11 511
-12 246

Estimated living cost  is ₽29780 per week

₽22146
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1650
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽515
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5469
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽18972
-₽21761
-₽11941
-₽19385
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
chamber of commerce
-
-
-
144
income
-
-
-
-
pensions
-
-
-
6 660
unemployment
-
-
-
6 189
health
-
-
-
2 754
surtax
-
-
-
-
total
-
-
-
15 747
Employee
44 111
40 215
40 215
-
other
440
402
272
-
health
1 706
1 557
1 053
-
income
3 930
2 966
3 637
-
pensions
4 517
4 117
2 786
-
unemployment
1 323
1 206
816
-
total
11 916
10 248
8 564
-
Employer
44 111
40 215
40 215
-
accident
573
523
354
-
other
2 095
1 909
1 800
-
chamber of commerce
176
161
161
-
unemployment
1 323
1 206
816
-
surtax
-
-
-
-
pensions
5 536
5 048
3 416
-
payroll
1 323
1 206
1 206
-
health
1 668
1 520
1 028
-
total
12 694
11 573
8 781
-
Corporate
3 830
3 830
23 388
-
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.

957
957
5 846
-
total
957
957
5 846
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
36 000
36 000
36 000
36 000
Total tax
25 567
22 778
23 191
15 747
After tax
10 433
13 222
12 809
20 253
Living cost
32 194
32 194
32 194
32 194
Free-cash
-21 761
-18 972
-19 385
-11 941

Estimated living cost  is ₽32194 per week

₽19313
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3288
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽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.
₽9020
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Additional information

As a Third Country National (non-EU/EFTA/Swiss and without a long-term EU resident permit), you can apply for permanent residence when your business creates macroeconomic benefit. This could be an investment starting from €100,000, creating new jobs or securing existing ones, or making a substantial contribution to the region's economy. You can also be considered with a transfer of know-how to Austria or an evident commitment to develop an innovative product or technology.

Source of data for Graz model

Close
Tbilisi , Georgia
₽20051
₽17398
₽21491
₽14651
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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%.

-
-
-
36 000
microenterprise

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

-
-
-
360
total
-
-
-
360
Employee
17 686
-
36 000
-
income
3 537
-
7 200
-
total
3 537
-
7 200
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

We will register your company as part of a virtual zone. Your non-Georgian corporate tax will be zero. Turnover in Georgia will be taxed at 15%.

18 314
36 000
-
-
total
-
-
-
-
Dividends
18 314
36 000
-
-
withholding
916
1 800
-
-
total
916
1 800
-
-
Income
36 000
36 000
36 000
36 000
Total tax
4 453
1 800
7 200
360
After tax
31 547
34 200
28 800
35 640
Living cost
14 149
14 149
14 149
14 149
Free-cash
17 398
20 051
14 651
21 491

Estimated living cost  is ₽14149 per week

₽9574
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽594
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽474
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3505
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Additional information

Social security system in Georgia is financed from the government taxes which are part of our internal model. Separate pension and medical insurance contributions are not compulsory. It is advisable to purchase health insurance privately as in an event of medical emergency the treatment is likely to get costly.

Source of data for Tbilisi model

Close
Ljubljana , Slovenia
-₽2281
-₽15572
-₽6522
-₽7664
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
36 000
income
-
-
-
5 284
pensions
-
-
-
6 574
unemployment
-
-
-
54
health
-
-
-
3 543
total
-
-
-
15 455
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.

44 623
-
31 149
-
health
2 882
-
2 013
-
income
7 695
-
4 861
-
pensions
6 917
-
4 828
-
unemployment
63
-
44
-
total
17 557
-
11 746
-
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.

44 623
-
31 149
-
unemployment
27
-
19
-
pensions
3 949
-
2 758
-
health
2 972
-
2 074
-
total
6 948
-
4 851
-
Corporate
-
36 000
-
-
income
-
6 840
-
-
total
-
6 840
-
-
Dividends
-
29 160
-
-
withholding
-
4 374
-
-
total
-
4 374
-
-
Income
36 000
36 000
36 000
36 000
Total tax
24 505
11 214
16 597
15 455
After tax
11 495
24 786
19 403
20 545
Living cost
27 067
27 067
27 067
27 067
Free-cash
-15 572
-2 281
-7 664
-6 522

Estimated living cost  is ₽27067 per week

₽18575
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1735
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽525
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6233
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽21663
-₽114543
-₽18686
-₽21334
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
income
-
-
-
7 017
social contributions
-
-
-
4 104
total
-
-
-
11 121
Employee
62 466
-
2 939
-
social contributions
5 122
-
730
-
income
13 779
-
486
-
total
18 901
-
1 216
-
Employer
62 466
-
2 939
-
social contributions
88 077
-
12 553
-
total
88 077
-
12 553
-
Corporate
-
36 000
-
-
income
-
7 920
-
-
total
-
7 920
-
-
Dividends
-
28 080
-
-
income
-
6 178
-
-
total
-
6 178
-
-
Income
36 000
36 000
36 000
36 000
Total tax
106 978
14 098
13 769
11 121
After tax
-70 978
21 902
22 231
24 879
Living cost
43 565
43 565
43 565
43 565
Free-cash
-114 543
-21 663
-21 334
-18 686

Estimated living cost  is ₽43565 per week

₽28267
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.
₽10646
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽11176
-₽21435
-₽10342
-₽10860
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
36 000
income
-
-
-
2 178
surtax
-
-
-
-
social contributions

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

-
-
-
12 511
total
-
-
-
14 689
Employee
46 411
-
29 091
-
social contributions
5 105
-
3 200
-
surtax
-
-
-
-
income
9 654
-
5 098
-
total
14 759
-
8 298
-
Employer
46 411
-
29 091
-
social contributions
11 023
-
6 909
-
total
11 023
-
6 909
-
Corporate
-
36 000
-
-
surtax
-
-
-
-
income
-
7 560
-
-
total
-
7 560
-
-
Dividends
-
28 440
-
-
withholding
-
7 963
-
-
total
-
7 963
-
-
Income
36 000
36 000
36 000
36 000
Total tax
25 782
15 523
15 207
14 689
After tax
10 218
20 477
20 793
21 311
Living cost
31 653
31 653
31 653
31 653
Free-cash
-21 435
-11 176
-10 860
-10 342

Estimated living cost  is ₽31653 per week

₽23683
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1867
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽529
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5575
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Lisbon model

Close
Paris , France
-₽30594
-₽46943
-₽26670
-₽25831
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
income
-
-
-
515
pensions
-
-
-
10 961
other
-
-
-
1 116
health
-
-
-
314
surtax
-
-
-
-
social contributions
-
-
-
1 025
total
-
-
-
13 931
Employee
63 203
-
27 432
-
social contributions
1 800
-
781
-
surtax
-
-
-
-
income
5 515
-
645
-
pensions
7 149
-
3 100
-
total
14 464
-
4 526
-
Employer
63 203
-
27 432
-
other
2 181
-
946
-
social contributions
190
-
82
-
unemployment
2 560
-
1 111
-
pensions
10 385
-
4 506
-
health
4 424
-
1 921
-
total
19 740
-
8 566
-
Corporate
-
36 000
-
-
surtax
-
-
-
-
income
-
10 080
-
-
total
-
10 080
-
-
Dividends
-
25 920
-
-
surtax
-
-
-
-
social contributions
-
4 458
-
-
withholding
-
3 317
-
-
total
-
7 775
-
-
Income
36 000
36 000
36 000
36 000
Total tax
34 204
17 855
13 092
13 931
After tax
1 796
18 145
22 908
22 069
Living cost
48 739
48 739
48 739
48 739
Free-cash
-46 943
-30 594
-25 831
-26 670

Estimated living cost  is ₽48739 per week

₽32986
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3987
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽668
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽11097
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽2066
-₽1471
-₽2254
-₽1190
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
income
-
-
-
-
social contributions
-
-
-
7 920
total
-
-
-
7 920
Employee
32 442
-
31 168
-
income
-
-
-
-
social contributions
2 108
-
2 026
-
total
2 108
-
2 026
-
Employer
32 442
-
31 168
-
social contributions
5 029
-
4 830
-
total
5 029
-
4 830
-
Corporate
-
36 000
-
-
income
-
3 600
-
-
total
-
3 600
-
-
Dividends
-
32 400
-
-
total
-
-
-
-
Income
36 000
36 000
36 000
36 000
Total tax
7 137
3 600
6 856
7 920
After tax
28 863
32 400
29 144
28 080
Living cost
30 334
30 334
30 334
30 334
Free-cash
-1 471
2 066
-1 190
-2 254

Estimated living cost  is ₽30334 per week

₽19613
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2286
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽571
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7863
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Additional information

Andorra has a limit of 1000 sole-trade resident permits per year, so while it isn't complicated to obtain one, it may get difficult by the end of the term.

Source of data for Andorra model

Close
Copenhagen , Denmark
-₽183958
-₽183958
-₽23837
-₽183958
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
municipal
-
-
-
4 704
pensions
-
-
-
875
national
-
-
-
2 828
labour market
-
-
-
2 810
total
-
-
-
11 217
Employee
205 213
205 213
205 213
-
labour market
16 394
16 394
16 394
-
national
25 070
25 070
25 070
-
municipal
43 699
43 699
43 699
-
pensions
292
292
292
-
total
85 455
85 455
85 455
-
Employer
205 213
205 213
205 213
-
labour market
16 417
16 417
16 417
-
municipal
43 769
43 769
43 769
-
pensions
583
583
583
-
national
25 114
25 114
25 114
-
total
85 883
85 883
85 883
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
36 000
36 000
36 000
36 000
Total tax
171 338
171 338
171 338
11 217
After tax
-135 338
-135 338
-135 338
24 783
Living cost
48 620
48 620
48 620
48 620
Free-cash
-183 958
-183 958
-183 958
-23 837

Estimated living cost  is ₽48620 per week

₽33276
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4301
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽748
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10295
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽18829
-₽5178
₽2118
-₽2735
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
accident
-
-
-
253
income
-
-
-
5 150
pensions
-
-
-
4 174
other
-
-
-
372
health
-
-
-
2 188
total
-
-
-
12 137
Employee
34 207
-
29 905
-
health
3 917
-
3 424
-
income
4 693
-
4 103
-
pensions
3 852
-
3 367
-
total
12 462
-
10 894
-
Employer
34 207
-
29 905
-
accident
571
-
500
-
unemployment
838
-
733
-
pensions
5 562
-
4 863
-
total
6 971
-
6 096
-
Corporate
-
36 000
-
-
income

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

-
32 400
-
-
total
-
32 400
-
-
Dividends
-
3 600
-
-
withholding
-
684
-
-
total
-
684
-
-
Income
36 000
36 000
36 000
36 000
Total tax
19 433
33 084
16 990
12 137
After tax
16 567
2 916
19 010
23 863
Living cost
21 745
21 745
21 745
21 745
Free-cash
-5 178
-18 829
-2 735
2 118

Estimated living cost  is ₽21745 per week

₽15828
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1240
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽408
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4269
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Additional information

Poland permits registration as a sole-trader only for EU nationals or long-term EU resident permit holders. Other nationals should use a business incubator or set up a company and hire themselves as an employee.

Source of data for Krakow model

Close
Helsinki , Finland
-₽13830
-₽27110
-₽9462
-₽15995
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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

-
-
-
36 000
municipal
-
-
-
6 455
health
-
-
-
134
national
-
-
-
130
total
-
-
-
6 719
Employee
53 092
-
30 284
-
health
396
-
46
-
municipal
8 696
-
4 992
-
pensions
3 583
-
2 043
-
unemployment
797
-
454
-
national
877
-
-
-
total
14 349
-
7 535
-
Employer
53 092
-
30 284
-
accident
54
-
31
-
unemployment
345
-
197
-
pensions
9 211
-
5 255
-
health
408
-
234
-
total
10 018
-
5 717
-
Corporate
-
36 000
-
-
income
-
7 200
-
-
total
-
7 200
-
-
Dividends

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

-
21 600
-
-
national
-
-
-
-
municipal
-
3 887
-
-
total
-
3 887
-
-
Income
36 000
36 000
36 000
36 000
Total tax
24 367
11 087
13 252
6 719
After tax
11 633
24 913
22 748
29 281
Living cost
38 743
38 743
38 743
38 743
Free-cash
-27 110
-13 830
-15 995
-9 462

Estimated living cost  is ₽38743 per week

₽25307
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3727
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽617
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9094
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽10182
-₽2935
₽5673
-₽2477
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
38 362
income
-
-
-
-
health
-
-
-
979
social contributions
-
-
-
5 984
total
-
-
-
6 963
Employee
77 596
77 596
77 596
-
social contributions
2 934
6 440
2 712
-
health
601
1 319
555
-
income
8 449
7 183
8 529
-
total
11 984
14 942
11 796
-
Employer
77 596
77 596
77 596
-
social contributions
2 934
6 440
2 712
-
health
653
1 436
605
-
total
3 587
7 876
3 317
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
36 000
36 000
36 000
36 000
Total tax
15 571
22 818
15 113
6 963
After tax
20 429
13 182
20 887
29 037
Living cost
23 364
23 364
23 364
23 364
Free-cash
-2 935
-10 182
-2 477
5 673

Estimated living cost  is ₽23364 per week

₽14002
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2292
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽517
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6553
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽13789
₽8656
₽7386
₽6409
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
36 000
income
-
-
-
2 492
pensions
-
-
-
6 419
unemployment
-
-
-
29
health
-
-
-
3 652
total
-
-
-
12 592
Employee

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

23 163
-
32 639
-
health
1 969
-
2 775
-
income
1 584
-
2 373
-
pensions
3 474
-
4 897
-
unemployment
115
-
163
-
total
7 142
-
10 208
-
Employer

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

23 163
-
32 639
-
unemployment
115
-
163
-
pensions
1 273
-
1 794
-
health
996
-
1 404
-
total
2 384
-
3 361
-
Corporate
10 453
36 000
-
-
income
940
3 240
-
-
total
940
3 240
-
-
Dividends
9 513
32 760
-
-
withholding
856
2 949
-
-
total
856
2 949
-
-
Income
36 000
36 000
36 000
36 000
Total tax
11 322
6 189
13 569
12 592
After tax
24 678
29 811
22 431
23 408
Living cost
16 022
16 022
16 022
16 022
Free-cash
8 656
13 789
6 409
7 386

Estimated living cost  is ₽16022 per week

₽10222
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1155
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽477
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4167
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Podgorica model

Close
Valencia , Spain
-₽3347
-₽13208
-₽7406
-₽9027
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
accident
-
-
-
324
income
-
-
-
4 855
pensions
-
-
-
10 188
other
-
-
-
36
unemployment
-
-
-
253
total
-
-
-
15 656
Employee
37 313
-
25 257
-
other
36
-
34
-
income
7 194
-
4 393
-
pensions
1 754
-
1 584
-
unemployment
578
-
523
-
total
9 562
-
6 534
-
Employer
37 313
-
25 257
-
accident
739
-
666
-
other
299
-
270
-
unemployment
2 053
-
1 854
-
pensions
8 805
-
7 953
-
total
11 896
-
10 743
-
Corporate
-
36 000
-
-
income

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

-
5 400
-
-
total
-
5 400
-
-
Dividends
-
30 600
-
-
withholding
-
6 197
-
-
total
-
6 197
-
-
Income
36 000
36 000
36 000
36 000
Total tax
21 458
11 597
17 277
15 656
After tax
14 542
24 403
18 723
20 344
Living cost
27 750
27 750
27 750
27 750
Free-cash
-13 208
-3 347
-9 027
-7 406

Estimated living cost  is ₽27750 per week

₽18730
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2668
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽486
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5866
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Valencia model

Close
Istanbul , Turkey
₽19708
₽19254
₽19025
₽18828
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
income
-
-
-
10 751
pensions
-
-
-
2 010
health
-
-
-
1 458
total
-
-
-
14 219
Employee
4 198
-
33 738
-
health
210
-
503
-
income
812
-
10 645
-
pensions
378
-
905
-
unemployment
42
-
101
-
total
1 442
-
12 154
-
Employer
4 198
-
33 738
-
unemployment
84
-
201
-
pensions
462
-
1 106
-
health
399
-
955
-
total
945
-
2 262
-
Corporate
30 858
36 000
-
-
income
6 789
7 920
-
-
total
6 789
7 920
-
-
Dividends
24 069
28 080
-
-
withholding
4 814
5 616
-
-
total
4 814
5 616
-
-
Income
36 000
36 000
36 000
36 000
Total tax
13 990
13 536
14 416
14 219
After tax
22 010
22 464
21 584
21 781
Living cost
2 756
2 756
2 756
2 756
Free-cash
19 254
19 708
18 828
19 025

Estimated living cost  is ₽2756 per week

₽1638
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽223
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽63
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽832
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details

Source of data for Istanbul model

Close
Belgrade , Serbia
₽8557
₽3592
₽983
₽2532
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
36 000
income
-
-
-
3 956
pensions
-
-
-
9 360
unemployment
-
-
-
540
health
-
-
-
3 708
total
-
-
-
17 564
Employee

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

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

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

26 319
-
30 534
-
health
1 355
-
1 573
-
income
3 628
-
4 472
-
pensions
3 685
-
4 275
-
unemployment
197
-
229
-
total
8 865
-
10 549
-
Employer

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

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

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

26 319
-
30 534
-
unemployment
197
-
229
-
pensions
3 158
-
3 664
-
health
1 355
-
1 573
-
total
4 710
-
5 466
-
Corporate
4 970
36 000
-
-
income
746
5 400
-
-
total
746
5 400
-
-
Dividends
4 225
30 600
-
-
withholding
634
4 590
-
-
total
634
4 590
-
-
Income
36 000
36 000
36 000
36 000
Total tax
14 955
9 990
16 015
17 564
After tax
21 045
26 010
19 985
18 436
Living cost
17 453
17 453
17 453
17 453
Free-cash
3 592
8 557
2 532
983

Estimated living cost  is ₽17453 per week

₽11751
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1350
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽505
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3847
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Belgrade model

Close
Porto , Portugal
-₽6728
-₽12468
-₽5894
-₽6412
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
36 000
income
-
-
-
2 178
surtax
-
-
-
-
social contributions

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

-
-
-
12 511
total
-
-
-
14 689
Employee
39 166
-
29 091
-
social contributions
4 309
-
3 200
-
surtax
-
-
-
-
income
7 653
-
5 098
-
total
11 962
-
8 298
-
Employer
39 166
-
29 091
-
social contributions
9 301
-
6 909
-
total
9 301
-
6 909
-
Corporate
-
36 000
-
-
surtax
-
-
-
-
income
-
7 560
-
-
total
-
7 560
-
-
Dividends
-
28 440
-
-
withholding
-
7 963
-
-
total
-
7 963
-
-
Income
36 000
36 000
36 000
36 000
Total tax
21 263
15 523
15 207
14 689
After tax
14 737
20 477
20 793
21 311
Living cost
27 205
27 205
27 205
27 205
Free-cash
-12 468
-6 728
-6 412
-5 894

Estimated living cost  is ₽27205 per week

₽19269
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1890
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽483
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5565
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Porto model

Close
Madrid , Spain
-₽11062
-₽28275
-₽15121
-₽16742
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
accident
-
-
-
324
income
-
-
-
4 855
pensions
-
-
-
10 188
other
-
-
-
36
unemployment
-
-
-
253
total
-
-
-
15 656
Employee
48 736
-
25 257
-
other
48
-
34
-
income
10 179
-
4 393
-
pensions
2 290
-
1 584
-
unemployment
755
-
523
-
total
13 272
-
6 534
-
Employer
48 736
-
25 257
-
accident
965
-
666
-
other
391
-
270
-
unemployment
2 681
-
1 854
-
pensions
11 501
-
7 953
-
total
15 538
-
10 743
-
Corporate
-
36 000
-
-
income

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

-
5 400
-
-
total
-
5 400
-
-
Dividends
-
30 600
-
-
withholding
-
6 197
-
-
total
-
6 197
-
-
Income
36 000
36 000
36 000
36 000
Total tax
28 810
11 597
17 277
15 656
After tax
7 190
24 403
18 723
20 344
Living cost
35 465
35 465
35 465
35 465
Free-cash
-28 275
-11 062
-16 742
-15 121

Estimated living cost  is ₽35465 per week

₽25469
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2758
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽500
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6739
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Madrid model

Close
Sofia , Bulgaria
₽13409
₽7256
₽3812
₽5358
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
income
-
-
-
5 400
pensions

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

-
-
-
5 220
unemployment
-
-
-
141
health
-
-
-
4 056
total
-
-
-
14 817
Employee
23 001
-
30 096
-
health
1 058
-
1 384
-
accident

We are using the highest rate at 1.1%.

253
-
331
-
income
2 300
-
3 010
-
pensions

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

2 019
-
2 642
-
total
5 630
-
7 367
-
Employer
23 001
-
30 096
-
accident

We are using the highest rate at 1.1%.

253
-
331
-
unemployment
138
-
180
-
pensions

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

2 535
-
3 317
-
health
1 587
-
2 076
-
total
4 513
-
5 904
-
Corporate
8 486
36 000
-
-
income
848
3 600
-
-
total
848
3 600
-
-
Dividends
7 637
32 400
-
-
withholding
382
1 620
-
-
total
382
1 620
-
-
Income
36 000
36 000
36 000
36 000
Total tax
11 373
5 220
13 271
14 817
After tax
24 627
30 780
22 729
21 183
Living cost
17 371
17 371
17 371
17 371
Free-cash
7 256
13 409
5 358
3 812

Estimated living cost  is ₽17371 per week

₽11489
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽994
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽414
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4474
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Source of data for Sofia model

Close
Berlin , Germany
-₽20200
-₽14210
-₽10315
-₽10315
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
36 000
trade
-
-
-
-
income

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

-
-
-
437
health

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

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

-
-
-
6 894
surtax

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

-
-
-
25
total
-
-
-
7 356
Employee

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

50 210
-
36 000
-
health

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

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

6 894
-
6 894
-
surtax

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

228
-
25
-
income

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

4 129
-
437
-
total
11 251
-
7 356
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
36 000
-
-
surtax

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

-
297
-
-
income
-
5 400
-
-
trade
-
5 167
-
-
chamber of commerce
-
207
-
-
total
-
11 071
-
-
Dividends
-
24 929
-
-
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.

-
322
-
-
withholding
-
5 848
-
-
total
-
6 170
-
-
Income
36 000
36 000
36 000
36 000
Total tax
11 251
17 241
7 356
7 356
After tax
24 749
18 759
28 644
28 644
Living cost
38 959
38 959
38 959
38 959
Free-cash
-14 210
-20 200
-10 315
-10 315

Estimated living cost  is ₽38959 per week

₽26875
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4192
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽565
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7327
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Additional information

Nationals of Europe, Australia, Canada, Israel, Japan, the Republic of Korea, New Zealand and the USA do not require an entry type D visa (not to confuse with a Schengen visa or a visa-free entry). For other nationals, waiting time is around 6-9 months which includes document preparation and processing.

Source of data for Berlin model

Close
Dublin , Ireland
-₽32284
-₽42937
-₽26860
-₽26860
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
income
-
-
-
4 041
social contributions
-
-
-
1 335
total
-
-
-
5 376
Employee
78 935
-
36 000
-
income
14 895
-
4 041
-
social contributions
6 558
-
1 335
-
total
21 453
-
5 376
-
Employer
78 935
-
36 000
-
total
-
-
-
-
Corporate
-
36 000
-
-
income
-
4 500
-
-
total
-
4 500
-
-
Dividends
-
31 500
-
-
withholding
-
6 300
-
-
total
-
6 300
-
-
Income
36 000
36 000
36 000
36 000
Total tax
21 453
10 800
5 376
5 376
After tax
14 547
25 200
30 624
30 624
Living cost
57 484
57 484
57 484
57 484
Free-cash
-42 937
-32 284
-26 860
-26 860

Estimated living cost  is ₽57484 per week

₽43733
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4684
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽550
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8518
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details Source

Additional information

To obtain permanent residence for non EEA/Swiss nationals, it is required to invest a huge amount - at least €1 million aggregate investment into a new or an existing Irish business, for a minimum of three years.

Source of data for Dublin model

Close
Sliema , Malta
-₽16742
-₽17942
-₽36097
-₽9158
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
36 000
income
-
-
-
28 725
health

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

-
-
-
6 741
total
-
-
-
35 466
Employee
46 292
-
32 722
-
income
5 023
-
1 971
-
social contributions
4 638
-
3 278
-
total
9 661
-
5 249
-
Employer
46 292
-
32 722
-
social contributions
4 638
-
3 278
-
total
4 638
-
3 278
-
Corporate
-
36 000
-
-
income
-
12 601
-
-
total
-
12 601
-
-
Dividends
-
23 399
-
-
social contributions
3 012
3 510
-
-
total
3 012
3 510
-
-
Income
36 000
36 000
36 000
36 000
Total tax
17 311
16 111
8 527
35 466
After tax
18 689
19 889
27 473
534
Living cost
36 631
36 631
36 631
36 631
Free-cash
-17 942
-16 742
-9 158
-36 097

Estimated living cost  is ₽36631 per week

₽24129
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2888
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽561
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽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

Source of data for Sliema model

Close
Edinburgh , United Kingdom
-₽10641
-₽21826
-₽10054
-₽12970
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
income
-
-
-
6 891
pensions
-
-
-
1 550
total
-
-
-
8 441
Employee
51 629
-
32 766
-
health
673
-
288
-
income
9 402
-
6 159
-
pensions
3 941
-
1 677
-
total
14 016
-
8 124
-
Employer
51 629
-
32 766
-
pensions
5 216
-
2 611
-
health
981
-
622
-
total
6 197
-
3 233
-
Corporate
-
36 000
-
-
income

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

-
6 840
-
-
total
-
6 840
-
-
Dividends
-
29 160
-
-
withholding
-
2 188
-
-
total
-
2 188
-
-
Income
36 000
36 000
36 000
36 000
Total tax
20 213
9 028
11 357
8 441
After tax
15 787
26 972
24 643
27 559
Living cost
37 613
37 613
37 613
37 613
Free-cash
-21 826
-10 641
-12 970
-10 054

Estimated living cost  is ₽37613 per week

₽25802
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3459
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽471
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7879
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
 Adjust living cost Show details

Additional information

The only visa which will gain you entry to the UK as a freelancer is Tier 1 (with an exception of EU nationals or long-term UK residence permit holders, up until Brexit). There are two Tier 1 visa pathways.

You can either apply for an Entrepreneur visa which requires an investment of at least £200000 and creating two full time jobs, or choose an Exceptional Talent visa, which has no financial requirements but is more difficult to obtain.

Source of data for Edinburgh model

Close
Warsaw , Poland
-₽20982
-₽9253
-₽35
-₽4888
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
accident
-
-
-
253
income
-
-
-
5 150
pensions
-
-
-
4 174
other
-
-
-
372
health
-
-
-
2 188
total
-
-
-
12 137
Employee
37 593
-
29 905
-
health
4 304
-
3 424
-
income
5 157
-
4 103
-
pensions
4 233
-
3 367
-
total
13 694
-
10 894
-
Employer
37 593
-
29 905
-
accident
628
-
500
-
unemployment
921
-
733
-
pensions
6 112
-
4 863
-
total
7 661
-
6 096
-
Corporate
-
36 000
-
-
income

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

-
32 400
-
-
total
-
32 400
-
-
Dividends
-
3 600
-
-
withholding
-
684
-
-
total
-
684
-
-
Income
36 000
36 000
36 000
36 000
Total tax
21 355
33 084
16 990
12 137
After tax
14 645
2 916
19 010
23 863
Living cost
23 898
23 898
23 898
23 898
Free-cash
-9 253
-20 982
-4 888
-35

Estimated living cost  is ₽23898 per week

₽17539
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1393
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽481
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4485
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽16969
₽12062
₽8678
₽8678
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
36 000
work injury
-
-
-
180
health insurance
-
-
-
2 664
income
-
-
-
3 791
pensions
-
-
-
6 624
unemployment
-
-
-
432
total
-
-
-
13 691
Employee

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

21 810
-
36 000
-
work injury
109
-
180
-
income
2 181
-
3 791
-
pensions
4 013
-
6 624
-
health insurance
1 614
-
2 664
-
unemployment
262
-
432
-
total
8 179
-
13 691
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
14 190
36 000
-
-
income

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

-
-
-
-
total
-
-
-
-
Dividends
14 190
36 000
-
-
withholding
2 128
5 400
-
-
total
2 128
5 400
-
-
Income
36 000
36 000
36 000
36 000
Total tax
10 307
5 400
13 691
13 691
After tax
25 693
30 600
22 309
22 309
Living cost
13 631
13 631
13 631
13 631
Free-cash
12 062
16 969
8 678
8 678

Estimated living cost  is ₽13631 per week

₽8445
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽991
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽425
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3771
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
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Source of data for Skopje model

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Rome , Italy
-₽21238
-₽49035
-₽20315
-₽22456
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
36 000
municipal
-
-
-
241
regional
-
-
-
463
national
-
-
-
6 151
social contributions
-
-
-
9 259
total
-
-
-
16 114
Employee
85 034
-
36 000
-
social contributions
28 673
-
12 139
-
regional
1 284
-
414
-
municipal
507
-
214
-
national
14 370
-
5 488
-
total
44 834
-
18 255
-
Employer
85 034
-
36 000
-
total
-
-
-
-
Corporate
-
36 000
-
-
nationa
-
8 640
-
-
municipal
-
1 735
-
-
total
-
10 375
-
-
Dividends
-
25 625
-
-
withholding
-
6 662
-
-
total
-
6 662
-
-
Income
36 000
36 000
36 000
36 000
Total tax
44 834
17 037
18 255
16 114
After tax
-8 834
18 963
17 745
19 886
Living cost
40 201
40 201
40 201
40 201
Free-cash
-49 035
-21 238
-22 456
-20 315

Estimated living cost  is ₽40201 per week

₽28238
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2765
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽607
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8589
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
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Source of data for Rome model

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