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
₽ 44000
per

Your estimated
City
free-cash

Dresden , Germany
-₽8154
₽3010
₽3944
₽3944
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
44 000
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.

-
-
-
2 461
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.

-
-
-
136
total
-
-
-
9 491
Employee

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

38 597
-
44 000
-
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
-
136
-
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
-
2 461
-
total
8 031
-
9 491
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
5 403
44 000
-
-
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.

44
364
-
-
income
810
6 599
-
-
trade
850
6 930
-
-
chamber of commerce
161
216
-
-
total
1 865
14 109
-
-
Dividends
3 538
29 890
-
-
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.

27
391
-
-
withholding
502
7 089
-
-
total
529
7 480
-
-
Income
44 000
44 000
44 000
44 000
Total tax
10 425
21 589
9 491
9 491
After tax
33 575
22 411
34 509
34 509
Living cost
30 565
30 565
30 565
30 565
Free-cash
3 010
-8 154
3 944
3 944

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
-₽23534
-₽42218
-₽22628
-₽22283
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
municipal
-
-
-
3 877
pensions
-
-
-
5 280
national
-
-
-
6 008
social contributions
-
-
-
473
total
-
-
-
15 638
Employee
79 044
-
38 038
-
municipal
9 763
-
4 047
-
pensions
3 162
-
1 522
-
national
15 129
-
6 272
-
total
28 054
-
11 841
-
Employer
79 044
-
38 038
-
social contributions
850
-
409
-
pensions
6 324
-
3 043
-
total
7 174
-
3 452
-
Corporate
-
44 000
-
-
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%.

-
8 800
-
-
total
-
8 800
-
-
Dividends
-
35 200
-
-
withholding
-
7 744
-
-
total
-
7 744
-
-
Income
44 000
44 000
44 000
44 000
Total tax
35 228
16 544
15 293
15 638
After tax
8 772
27 456
28 707
28 362
Living cost
50 990
50 990
50 990
50 990
Free-cash
-42 218
-23 534
-22 283
-22 628

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
₽14207
₽5928
₽13230
₽4252
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
44 000
microenterprise
-
-
-
6 599
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
-
-
-
9 776
Employee
29 487
-
35 457
-
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
-
3 901
-
surtax
-
-
-
-
income
5 249
-
6 312
-
total
8 493
-
10 213
-
Employer
29 487
-
35 457
-
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
-
8 541
-
surtax
-
-
-
-
total
7 103
-
8 541
-
Corporate
7 410
44 000
-
-
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%.

1 482
8 799
-
-
total
1 482
8 799
-
-
Dividends

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

5 928
35 201
-
-
total
-
-
-
-
Income
44 000
44 000
44 000
44 000
Total tax
17 078
8 799
18 754
9 776
After tax
26 922
35 201
25 246
34 224
Living cost
20 994
20 994
20 994
20 994
Free-cash
5 928
14 207
4 252
13 230

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
-₽50542
-₽56206
-₽16979
-₽56206
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
income
-
-
-
4 032
pensions
-
-
-
7 920
health
-
-
-
6 754
total
-
-
-
18 706
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
44 000
44 000
44 000
44 000
Total tax
57 933
52 269
57 933
18 706
After tax
-13 933
-8 269
-13 933
25 294
Living cost
42 273
42 273
42 273
42 273
Free-cash
-56 206
-50 542
-56 206
-16 979

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
-₽14965
-₽29013
-₽17056
-₽15492
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
municipal
-
-
-
9 320
accident
-
-
-
88
pensions
-
-
-
4 756
other
-
-
-
5 113
unemployment
-
-
-
44
health
-
-
-
2 746
national
-
-
-
-
total
-
-
-
22 067
Employee
55 556
-
33 480
-
municipal
16 567
-
9 984
-
national
-
-
-
-
total
16 567
-
9 984
-
Employer
55 556
-
33 480
-
accident
111
-
67
-
other
6 456
-
3 890
-
unemployment
1 467
-
884
-
pensions
6 006
-
3 619
-
health
3 417
-
2 059
-
total
17 457
-
10 519
-
Corporate
-
44 000
-
-
income
-
9 680
-
-
total
-
9 680
-
-
Dividends
-
34 320
-
-
withholding
-
10 296
-
-
total
-
10 296
-
-
Income
44 000
44 000
44 000
44 000
Total tax
34 024
19 976
20 503
22 067
After tax
9 976
24 024
23 497
21 933
Living cost
38 989
38 989
38 989
38 989
Free-cash
-29 013
-14 965
-15 492
-17 056

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
-₽17458
-₽7174
-₽5133
-₽5133
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
44 000
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.

-
-
-
2 461
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.

-
-
-
136
total
-
-
-
9 491
Employee

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

51 174
-
44 000
-
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
-
136
-
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
-
2 461
-
total
11 532
-
9 491
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
44 000
-
-
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.

-
364
-
-
income
-
6 599
-
-
trade
-
7 239
-
-
chamber of commerce
-
216
-
-
total
-
14 418
-
-
Dividends
-
29 582
-
-
surtax

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

-
385
-
-
withholding
-
7 013
-
-
total
-
7 398
-
-
Income
44 000
44 000
44 000
44 000
Total tax
11 532
21 816
9 491
9 491
After tax
32 468
22 184
34 509
34 509
Living cost
39 642
39 642
39 642
39 642
Free-cash
-7 174
-17 458
-5 133
-5 133

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
-₽11549
-₽6034
₽3284
-₽5091
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
income
-
-
-
-
health
-
-
-
1 122
social contributions
-
-
-
6 863
total
-
-
-
7 985
Employee
77 596
77 596
77 596
-
social contributions
3 771
6 440
3 315
-
health
772
1 319
680
-
income
8 148
7 183
8 311
-
total
12 691
14 942
12 306
-
Employer
77 596
77 596
77 596
-
social contributions
3 771
6 440
3 315
-
health
841
1 436
739
-
total
4 612
7 876
4 054
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
44 000
44 000
44 000
44 000
Total tax
17 303
22 818
16 360
7 985
After tax
26 697
21 182
27 640
36 015
Living cost
32 731
32 731
32 731
32 731
Free-cash
-6 034
-11 549
-5 091
3 284

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
₽6663
₽7043
₽12146
₽7173
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
income
-
-
-
5 379
pensions
-
-
-
4 400
unemployment
-
-
-
660
health
-
-
-
3 080
total
-
-
-
13 519
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
36 820
-
health
1 853
737
2 577
-
income
3 236
1 288
4 501
-
pensions
2 647
1 053
3 682
-
unemployment
397
158
552
-
total
8 133
3 236
11 312
-
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
36 820
-
pensions
5 161
2 054
7 180
-
total
5 161
2 054
7 180
-
Corporate
12 372
31 413
-
-
income
1 114
2 827
-
-
total
1 114
2 827
-
-
Dividends
11 259
28 586
-
-
social contributions
2 075
5 454
-
-
withholding
2 139
5 431
-
-
total
4 214
10 885
-
-
Income
44 000
44 000
44 000
44 000
Total tax
18 622
19 002
18 492
13 519
After tax
25 378
24 998
25 508
30 481
Living cost
18 335
18 335
18 335
18 335
Free-cash
7 043
6 663
7 173
12 146

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
₽10827
₽4556
₽1298
₽2830
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
income
-
-
-
3 809
pensions
-
-
-
8 799
health
-
-
-
5 720
total
-
-
-
18 328
Employee
28 627
-
32 884
-
income
3 223
-
4 500
-
pensions
573
-
657
-
unemployment
458
-
527
-
total
4 254
-
5 684
-
Employer
28 627
-
32 884
-
unemployment
230
-
262
-
pensions
5 726
-
6 576
-
health
3 721
-
4 274
-
total
9 677
-
11 112
-
Corporate
5 697
44 000
-
-
income
1 139
8 799
-
-
total
1 139
8 799
-
-
Dividends
4 557
35 201
-
-
total
-
-
-
-
Income
44 000
44 000
44 000
44 000
Total tax
15 070
8 799
16 796
18 328
After tax
28 930
35 201
27 204
25 672
Living cost
24 374
24 374
24 374
24 374
Free-cash
4 556
10 827
2 830
1 298

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
-₽18507
₽178
₽8372
₽1165
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
accident
-
-
-
253
income
-
-
-
6 570
pensions
-
-
-
4 174
other
-
-
-
372
health
-
-
-
2 188
total
-
-
-
13 557
Employee
34 719
-
36 551
-
health
3 975
-
4 185
-
income
4 763
-
5 014
-
pensions
3 909
-
4 115
-
total
12 647
-
13 314
-
Employer
34 719
-
36 551
-
accident
580
-
611
-
unemployment
851
-
896
-
pensions
5 646
-
5 943
-
total
7 077
-
7 450
-
Corporate
2 206
44 000
-
-
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.

1 985
39 600
-
-
total
1 985
39 600
-
-
Dividends
221
4 400
-
-
withholding
42
836
-
-
total
42
836
-
-
Income
44 000
44 000
44 000
44 000
Total tax
21 751
40 436
20 764
13 557
After tax
22 249
3 564
23 236
30 443
Living cost
22 071
22 071
22 071
22 071
Free-cash
178
-18 507
1 165
8 372

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
₽32721
₽31020
₽34481
₽26121
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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%.

-
-
-
44 000
microenterprise

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

-
-
-
440
total
-
-
-
440
Employee
11 349
-
44 000
-
income
2 269
-
8 800
-
total
2 269
-
8 800
-
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%.

32 651
44 000
-
-
total
-
-
-
-
Dividends
32 651
44 000
-
-
withholding
1 632
2 200
-
-
total
1 632
2 200
-
-
Income
44 000
44 000
44 000
44 000
Total tax
3 901
2 200
8 800
440
After tax
40 099
41 800
35 200
43 560
Living cost
9 079
9 079
9 079
9 079
Free-cash
31 020
32 721
26 121
34 481

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
₽5437
-₽1874
-₽3063
-₽1102
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
income
-
-
-
5 588
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.

-
-
-
10 561
other
-
-
-
2 089
health
-
-
-
1 936
total
-
-
-
20 174
Employee
36 640
-
35 141
-
health
513
-
492
-
income
6 308
-
6 049
-
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
-
2 461
-
unemployment
366
-
352
-
total
9 751
-
9 354
-
Employer
36 640
-
35 141
-
accident
293
-
282
-
other
1 833
-
1 758
-
unemployment
366
-
352
-
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
-
5 975
-
health
513
-
492
-
total
9 234
-
8 859
-
Corporate
-
44 000
-
-
income
-
9 240
-
-
total
-
9 240
-
-
Dividends
-
34 760
-
-
withholding
-
2 434
-
-
total
-
2 434
-
-
Income
44 000
44 000
44 000
44 000
Total tax
18 985
11 674
18 213
20 174
After tax
25 015
32 326
25 787
23 826
Living cost
26 889
26 889
26 889
26 889
Free-cash
-1 874
5 437
-1 102
-3 063

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
-₽34757
-₽64950
-₽34337
-₽38325
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
income
-
-
-
8 345
pensions
-
-
-
2 270
total
-
-
-
10 615
Employee
95 816
-
39 680
-
health
1 579
-
428
-
income
17 272
-
7 348
-
pensions
9 244
-
2 507
-
total
28 095
-
10 283
-
Employer
95 816
-
39 680
-
pensions
11 313
-
3 566
-
health
1 820
-
754
-
total
13 133
-
4 320
-
Corporate
-
44 000
-
-
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.

-
8 361
-
-
total
-
8 361
-
-
Dividends
-
35 639
-
-
withholding
-
2 674
-
-
total
-
2 674
-
-
Income
44 000
44 000
44 000
44 000
Total tax
41 228
11 035
14 603
10 615
After tax
2 772
32 965
29 397
33 385
Living cost
67 722
67 722
67 722
67 722
Free-cash
-64 950
-34 757
-38 325
-34 337

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
₽24381
₽19691
₽14744
₽15025
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
income
-
-
-
6 600
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
-
-
-
16 017
Employee
17 531
-
37 080
-
health
806
-
1 622
-
accident

We are using the highest rate at 1.1%.

193
-
388
-
income
1 753
-
3 708
-
pensions

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

1 539
-
3 097
-
total
4 291
-
8 815
-
Employer
17 531
-
37 080
-
accident

We are using the highest rate at 1.1%.

193
-
388
-
unemployment
105
-
212
-
pensions

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

1 932
-
3 887
-
health
1 210
-
2 434
-
total
3 440
-
6 921
-
Corporate
23 029
44 000
-
-
income
2 302
4 400
-
-
total
2 302
4 400
-
-
Dividends
20 727
39 600
-
-
withholding
1 037
1 980
-
-
total
1 037
1 980
-
-
Income
44 000
44 000
44 000
44 000
Total tax
11 070
6 380
15 736
16 017
After tax
32 930
37 620
28 264
27 983
Living cost
13 239
13 239
13 239
13 239
Free-cash
19 691
24 381
15 025
14 744

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
-₽64226
-₽65937
-₽30663
-₽69890
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
income
-
-
-
4 032
pensions
-
-
-
7 920
health
-
-
-
6 754
total
-
-
-
18 706
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
44 000
44 000
44 000
44 000
Total tax
53 980
52 269
57 933
18 706
After tax
-9 980
-8 269
-13 933
25 294
Living cost
55 957
55 957
55 957
55 957
Free-cash
-65 937
-64 226
-69 890
-30 663

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
₽6127
-₽3624
-₽2737
-₽1838
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
income
-
-
-
3 782
health
-
-
-
5 940
solidarity contribution
-
-
-
-
social contributions
-
-
-
12 848
total
-
-
-
22 570
Employee
35 540
-
32 836
-
social contributions
2 310
-
2 134
-
health
4 798
-
4 433
-
solidarity contribution
-
-
-
-
income
4 265
-
3 940
-
total
11 373
-
10 507
-
Employer
35 540
-
32 836
-
social contributions
8 885
-
8 209
-
health
3 199
-
2 955
-
total
12 084
-
11 164
-
Corporate
-
44 000
-
-
income
-
8 360
-
-
total
-
8 360
-
-
Dividends
-
35 640
-
-
withholding
-
5 346
-
-
total
-
5 346
-
-
Income
44 000
44 000
44 000
44 000
Total tax
23 457
13 706
21 671
22 570
After tax
20 543
30 294
22 329
21 430
Living cost
24 167
24 167
24 167
24 167
Free-cash
-3 624
6 127
-1 838
-2 737

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
-₽19104
-₽45683
-₽18253
-₽20738
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
municipal
-
-
-
262
regional
-
-
-
417
national
-
-
-
7 675
social contributions
-
-
-
11 318
total
-
-
-
19 672
Employee
89 684
-
44 000
-
social contributions
30 241
-
14 837
-
regional
846
-
361
-
municipal
475
-
234
-
national
15 540
-
6 725
-
total
47 102
-
22 157
-
Employer
89 684
-
44 000
-
total
-
-
-
-
Corporate
-
44 000
-
-
nationa
-
10 559
-
-
municipal
-
1 716
-
-
total
-
12 275
-
-
Dividends
-
31 725
-
-
withholding
-
8 248
-
-
total
-
8 248
-
-
Income
44 000
44 000
44 000
44 000
Total tax
47 102
20 523
22 157
19 672
After tax
-3 102
23 477
21 843
24 328
Living cost
42 581
42 581
42 581
42 581
Free-cash
-45 683
-19 104
-20 738
-18 253

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
₽5409
₽2268
₽3016
₽1942
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
income
-
-
-
6 369
pensions
-
-
-
8 799
other
-
-
-
-
unemployment
-
-
-
230
health
-
-
-
3 123
surtax
-
-
-
195
total
-
-
-
18 716
Employee
33 371
-
36 350
-
other
-
-
-
-
health
852
-
927
-
surtax
109
-
165
-
income
5 594
-
6 093
-
pensions
2 225
-
2 424
-
unemployment
2 323
-
2 530
-
total
11 103
-
12 139
-
Employer
33 371
-
36 350
-
other
-
-
-
-
unemployment
1 057
-
1 153
-
pensions
4 449
-
4 845
-
health
1 519
-
1 653
-
total
7 025
-
7 651
-
Corporate
3 605
44 000
-
-
income
936
11 440
-
-
total
936
11 440
-
-
Dividends
2 669
32 560
-
-
withholding
400
4 883
-
-
total
400
4 883
-
-
Income
44 000
44 000
44 000
44 000
Total tax
19 464
16 323
19 790
18 716
After tax
24 536
27 677
24 210
25 284
Living cost
22 268
22 268
22 268
22 268
Free-cash
2 268
5 409
1 942
3 016

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
-₽13301
-₽28384
-₽12881
-₽16869
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
income
-
-
-
8 345
pensions
-
-
-
2 270
total
-
-
-
10 615
Employee
64 213
-
39 680
-
health
932
-
428
-
income
11 565
-
7 348
-
pensions
5 450
-
2 507
-
total
17 947
-
10 283
-
Employer
64 213
-
39 680
-
pensions
6 951
-
3 566
-
health
1 220
-
754
-
total
8 171
-
4 320
-
Corporate
-
44 000
-
-
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.

-
8 361
-
-
total
-
8 361
-
-
Dividends
-
35 639
-
-
withholding
-
2 674
-
-
total
-
2 674
-
-
Income
44 000
44 000
44 000
44 000
Total tax
26 118
11 035
14 603
10 615
After tax
17 882
32 965
29 397
33 385
Living cost
46 266
46 266
46 266
46 266
Free-cash
-28 384
-13 301
-16 869
-12 881

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
-₽56145
-₽53753
-₽38735
-₽41503
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
city
-
-
-
462
pensions
-
-
-
4 047
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.

-
-
-
879
regional
-
-
-
752
health
-
-
-
249
national
-
-
-
80
total
-
-
-
6 469
Employee
89 251
-
39 091
-
city
958
-
415
-
regional
2 923
-
597
-
health
202
-
88
-
pensions
7 498
-
3 608
-
unemployment
-
-
-
-
national
422
-
51
-
total
12 003
-
4 759
-
Employer
89 251
-
39 091
-
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
-
782
-
unemployment
-
-
-
-
pensions
7 498
-
3 608
-
health
202
-
88
-
total
9 484
-
4 478
-
Corporate
-
44 000
-
-
regional
-
9 306
-
-
national
-
3 739
-
-
total
-
13 045
-
-
Dividends
-
30 954
-
-
withholding
-
10 834
-
-
total
-
10 834
-
-
Income
44 000
44 000
44 000
44 000
Total tax
21 487
23 879
9 237
6 469
After tax
22 513
20 121
34 763
37 531
Living cost
76 266
76 266
76 266
76 266
Free-cash
-53 753
-56 145
-41 503
-38 735

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
-₽24267
-₽16646
-₽11719
-₽11719
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
44 000
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.

-
-
-
2 461
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.

-
-
-
136
total
-
-
-
9 491
Employee

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

60 646
-
44 000
-
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
-
136
-
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
-
2 461
-
total
14 418
-
9 491
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
44 000
-
-
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.

-
364
-
-
income
-
6 599
-
-
trade
-
7 545
-
-
chamber of commerce
-
214
-
-
total
-
14 722
-
-
Dividends
-
29 278
-
-
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.

-
381
-
-
withholding
-
6 936
-
-
total
-
7 317
-
-
Income
44 000
44 000
44 000
44 000
Total tax
14 418
22 039
9 491
9 491
After tax
29 582
21 961
34 509
34 509
Living cost
46 228
46 228
46 228
46 228
Free-cash
-16 646
-24 267
-11 719
-11 719

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
-₽12350
-₽12675
-₽7841
-₽7127
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
income
-
-
-
1 273
pensions
-
-
-
13 045
other
-
-
-
1 363
health
-
-
-
381
surtax
-
-
-
-
social contributions
-
-
-
1 254
total
-
-
-
17 316
Employee
43 189
-
33 527
-
social contributions
1 231
-
956
-
surtax
-
-
-
-
income
2 549
-
1 381
-
pensions
4 883
-
3 792
-
total
8 663
-
6 129
-
Employer
43 189
-
33 527
-
other
1 490
-
1 157
-
social contributions
130
-
101
-
unemployment
1 748
-
1 358
-
pensions
7 095
-
5 509
-
health
3 024
-
2 348
-
total
13 487
-
10 473
-
Corporate
-
44 000
-
-
surtax
-
-
-
-
income
-
12 319
-
-
total
-
12 319
-
-
Dividends
-
31 681
-
-
surtax
-
-
-
-
social contributions
-
5 450
-
-
withholding
-
4 056
-
-
total
-
9 506
-
-
Income
44 000
44 000
44 000
44 000
Total tax
22 150
21 825
16 602
17 316
After tax
21 850
22 175
27 398
26 684
Living cost
34 525
34 525
34 525
34 525
Free-cash
-12 675
-12 350
-7 127
-7 841

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
-₽8930
-₽6592
-₽4421
-₽3707
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
income
-
-
-
1 273
pensions
-
-
-
13 045
other
-
-
-
1 363
health
-
-
-
381
surtax
-
-
-
-
social contributions
-
-
-
1 254
total
-
-
-
17 316
Employee
38 552
-
33 527
-
social contributions
1 099
-
956
-
surtax
-
-
-
-
income
1 988
-
1 381
-
pensions
4 360
-
3 792
-
total
7 447
-
6 129
-
Employer
38 552
-
33 527
-
other
1 331
-
1 157
-
social contributions
115
-
101
-
unemployment
1 561
-
1 358
-
pensions
6 335
-
5 509
-
health
2 698
-
2 348
-
total
12 040
-
10 473
-
Corporate
-
44 000
-
-
surtax
-
-
-
-
income
-
12 319
-
-
total
-
12 319
-
-
Dividends
-
31 681
-
-
surtax
-
-
-
-
social contributions
-
5 450
-
-
withholding
-
4 056
-
-
total
-
9 506
-
-
Income
44 000
44 000
44 000
44 000
Total tax
19 487
21 825
16 602
17 316
After tax
24 513
22 175
27 398
26 684
Living cost
31 105
31 105
31 105
31 105
Free-cash
-6 592
-8 930
-3 707
-4 421

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
₽5446
₽5253
₽6859
₽5499
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
income
-
-
-
6 599
health
-
-
-
3 072
social contributions
-
-
-
6 072
total
-
-
-
15 743
Employee
34 215
-
44 000
-
social contributions
4 722
-
6 072
-
health
2 388
-
3 072
-
income
5 707
-
7 959
-
total
12 817
-
17 103
-
Employer
34 215
-
44 000
-
total
-
-
-
-
Corporate
9 785
44 000
-
-
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%.

488
2 200
-
-
total
488
2 200
-
-
Dividends
9 297
41 800
-
-
health
890
2 918
-
-
social contributions
1 760
5 768
-
-
withholding
1 394
6 270
-
-
total
4 044
14 956
-
-
Income
44 000
44 000
44 000
44 000
Total tax
17 349
17 156
17 103
15 743
After tax
26 651
26 844
26 897
28 257
Living cost
21 398
21 398
21 398
21 398
Free-cash
5 253
5 446
5 499
6 859

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
-₽14534
-₽22099
-₽10939
-₽18727
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
chamber of commerce
-
-
-
176
income
-
-
-
1 310
pensions
-
-
-
8 141
unemployment
-
-
-
6 189
health
-
-
-
3 367
surtax
-
-
-
199
total
-
-
-
19 382
Employee
50 431
40 215
40 215
-
other
504
402
337
-
health
1 951
1 557
1 302
-
income
5 741
2 966
3 263
-
pensions
5 165
4 117
3 445
-
unemployment
1 513
1 206
1 009
-
total
14 874
10 248
9 356
-
Employer
50 431
40 215
40 215
-
accident
655
523
437
-
other
2 396
1 909
1 854
-
chamber of commerce
201
161
161
-
unemployment
1 513
1 206
1 009
-
surtax
199
199
199
-
pensions
6 329
5 048
4 223
-
payroll
1 513
1 206
1 206
-
health
1 905
1 520
1 272
-
total
14 711
11 772
10 361
-
Corporate
3 830
3 830
29 810
-
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
7 453
-
total
957
957
7 453
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
44 000
44 000
44 000
44 000
Total tax
30 542
22 977
27 170
19 382
After tax
13 458
21 023
16 830
24 618
Living cost
35 557
35 557
35 557
35 557
Free-cash
-22 099
-14 534
-18 727
-10 939

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
-₽11909
-₽49195
-₽11275
-₽16991
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
national
-
-
-
12 278
communal

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

-
-
-
2 413
social contributions
-
-
-
3 790
total
-
-
-
18 481
Employee

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

72 183
-
34 080
-
communal

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

3 765
-
1 777
-
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
-
1 603
-
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
-
2 557
-
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
-
297
-
national
22 192
-
8 044
-
total
35 390
-
14 278
-
Employer

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

72 183
-
34 080
-
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
-
442
-
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
-
498
-
surtax
8 185
-
3 864
-
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
-
3 020
-
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
-
2 095
-
total
21 011
-
9 919
-
Corporate
-
44 000
-
-
surtax
-
176
-
-
income
-
8 799
-
-
total
-
8 975
-
-
Dividends
-
35 024
-
-
withholding

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

-
10 140
-
-
total
-
10 140
-
-
Income
44 000
44 000
44 000
44 000
Total tax
56 401
19 115
24 197
18 481
After tax
-12 401
24 885
19 803
25 519
Living cost
36 794
36 794
36 794
36 794
Free-cash
-49 195
-11 909
-16 991
-11 275

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
-₽6666
-₽22242
-₽11842
-₽11603
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
accident
-
-
-
396
income
-
-
-
6 200
pensions
-
-
-
12 451
other
-
-
-
44
unemployment
-
-
-
308
total
-
-
-
19 399
Employee
50 231
-
33 257
-
other
50
-
34
-
income
10 598
-
6 276
-
pensions
2 361
-
1 584
-
unemployment
779
-
523
-
total
13 788
-
8 417
-
Employer
50 231
-
33 257
-
accident
994
-
666
-
other
400
-
270
-
unemployment
2 763
-
1 854
-
pensions
11 854
-
7 953
-
total
16 011
-
10 743
-
Corporate
-
44 000
-
-
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.

-
6 599
-
-
total
-
6 599
-
-
Dividends
-
37 401
-
-
withholding
-
7 624
-
-
total
-
7 624
-
-
Income
44 000
44 000
44 000
44 000
Total tax
29 799
14 223
19 160
19 399
After tax
14 201
29 777
24 840
24 601
Living cost
36 443
36 443
36 443
36 443
Free-cash
-22 242
-6 666
-11 603
-11 842

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
-₽27155
-₽41549
-₽25779
-₽25780
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
accident
-
-
-
433
income
-
-
-
964
pensions
-
-
-
7 683
health
-
-
-
3 600
surtax
-
-
-
2 260
communal
-
-
-
-
total
-
-
-
14 940
Employee
76 419
-
38 261
-
health
3 401
-
2 137
-
surtax
4 684
-
2 260
-
income
7 381
-
964
-
pensions
6 113
-
3 841
-
total
21 579
-
9 202
-
Employer
76 419
-
38 261
-
accident
687
-
433
-
pensions
6 113
-
3 841
-
health
2 331
-
1 465
-
total
9 131
-
5 739
-
Corporate
-
44 000
-
-
surtax
-
462
-
-
communal
-
2 970
-
-
income
-
6 599
-
-
total
-
10 031
-
-
Dividends
-
33 969
-
-
income
-
1 189
-
-
withholding
-
5 096
-
-
total
-
6 285
-
-
Income
44 000
44 000
44 000
44 000
Total tax
30 710
16 316
14 941
14 940
After tax
13 290
27 684
29 059
29 060
Living cost
54 839
54 839
54 839
54 839
Free-cash
-41 549
-27 155
-25 780
-25 779

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
₽5011
₽1800
₽2618
₽1544
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
income
-
-
-
6 369
pensions
-
-
-
8 799
other
-
-
-
-
unemployment
-
-
-
230
health
-
-
-
3 123
surtax
-
-
-
195
total
-
-
-
18 716
Employee
33 983
-
36 350
-
other
-
-
-
-
health
867
-
927
-
surtax
121
-
165
-
income
5 697
-
6 093
-
pensions
2 267
-
2 424
-
unemployment
2 365
-
2 530
-
total
11 317
-
12 139
-
Employer
33 983
-
36 350
-
other
-
-
-
-
unemployment
1 078
-
1 153
-
pensions
4 531
-
4 845
-
health
1 545
-
1 653
-
total
7 154
-
7 651
-
Corporate
2 862
44 000
-
-
income
745
11 440
-
-
total
745
11 440
-
-
Dividends
2 117
32 560
-
-
withholding
318
4 883
-
-
total
318
4 883
-
-
Income
44 000
44 000
44 000
44 000
Total tax
19 534
16 323
19 790
18 716
After tax
24 466
27 677
24 210
25 284
Living cost
22 666
22 666
22 666
22 666
Free-cash
1 800
5 011
1 544
2 618

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
-₽4054
-₽11978
-₽3102
-₽5572
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
municipal
-
-
-
262
regional
-
-
-
664
national
-
-
-
7 675
social contributions
-
-
-
11 318
total
-
-
-
19 919
Employee
55 977
-
44 000
-
social contributions
18 876
-
14 837
-
regional
754
-
593
-
municipal
297
-
234
-
national
8 868
-
6 725
-
total
28 795
-
22 389
-
Employer
55 977
-
44 000
-
total
-
-
-
-
Corporate
-
44 000
-
-
nationa
-
10 559
-
-
municipal
-
2 187
-
-
total
-
12 746
-
-
Dividends
-
31 254
-
-
withholding
-
8 125
-
-
total
-
8 125
-
-
Income
44 000
44 000
44 000
44 000
Total tax
28 795
20 871
22 389
19 919
After tax
15 205
23 129
21 611
24 081
Living cost
27 183
27 183
27 183
27 183
Free-cash
-11 978
-4 054
-5 572
-3 102

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
₽514
-₽14684
-₽8350
-₽7451
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
income
-
-
-
3 782
health
-
-
-
5 940
solidarity contribution
-
-
-
-
social contributions
-
-
-
12 848
total
-
-
-
22 570
Employee
43 794
-
32 836
-
social contributions
2 847
-
2 134
-
health
5 912
-
4 433
-
solidarity contribution
-
-
-
-
income
5 255
-
3 940
-
total
14 014
-
10 507
-
Employer
43 794
-
32 836
-
social contributions
10 949
-
8 209
-
health
3 941
-
2 955
-
total
14 890
-
11 164
-
Corporate
-
44 000
-
-
income
-
8 360
-
-
total
-
8 360
-
-
Dividends
-
35 640
-
-
withholding
-
5 346
-
-
total
-
5 346
-
-
Income
44 000
44 000
44 000
44 000
Total tax
28 904
13 706
21 671
22 570
After tax
15 096
30 294
22 329
21 430
Living cost
29 780
29 780
29 780
29 780
Free-cash
-14 684
514
-7 451
-8 350

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
-₽10972
-₽13761
-₽7377
-₽15262
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
chamber of commerce
-
-
-
176
income
-
-
-
1 310
pensions
-
-
-
8 141
unemployment
-
-
-
6 189
health
-
-
-
3 367
surtax
-
-
-
-
total
-
-
-
19 183
Employee
44 111
40 215
40 215
-
other
440
402
339
-
health
1 706
1 557
1 308
-
income
3 930
2 966
3 255
-
pensions
4 517
4 117
3 462
-
unemployment
1 323
1 206
1 015
-
total
11 916
10 248
9 379
-
Employer
44 111
40 215
40 215
-
accident
573
523
439
-
other
2 095
1 909
1 856
-
chamber of commerce
176
161
161
-
unemployment
1 323
1 206
1 015
-
surtax
-
-
-
-
pensions
5 536
5 048
4 242
-
payroll
1 323
1 206
1 206
-
health
1 668
1 520
1 277
-
total
12 694
11 573
10 196
-
Corporate
3 830
3 830
29 975
-
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
7 493
-
total
957
957
7 493
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
44 000
44 000
44 000
44 000
Total tax
25 567
22 778
27 068
19 183
After tax
18 433
21 222
16 932
24 817
Living cost
32 194
32 194
32 194
32 194
Free-cash
-13 761
-10 972
-15 262
-7 377

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
₽27651
₽24998
₽29411
₽21051
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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%.

-
-
-
44 000
microenterprise

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

-
-
-
440
total
-
-
-
440
Employee
17 686
-
44 000
-
income
3 537
-
8 800
-
total
3 537
-
8 800
-
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%.

26 314
44 000
-
-
total
-
-
-
-
Dividends
26 314
44 000
-
-
withholding
1 316
2 200
-
-
total
1 316
2 200
-
-
Income
44 000
44 000
44 000
44 000
Total tax
4 853
2 200
8 800
440
After tax
39 147
41 800
35 200
43 560
Living cost
14 149
14 149
14 149
14 149
Free-cash
24 998
27 651
21 051
29 411

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
₽3225
-₽7572
-₽2330
-₽3726
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
44 000
income
-
-
-
6 835
pensions
-
-
-
8 035
unemployment
-
-
-
65
health
-
-
-
4 328
total
-
-
-
19 263
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
-
38 071
-
health
2 882
-
2 459
-
income
7 695
-
6 318
-
pensions
6 917
-
5 902
-
unemployment
63
-
54
-
total
17 557
-
14 733
-
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
-
38 071
-
unemployment
27
-
23
-
pensions
3 949
-
3 368
-
health
2 972
-
2 535
-
total
6 948
-
5 926
-
Corporate
-
44 000
-
-
income
-
8 361
-
-
total
-
8 361
-
-
Dividends
-
35 639
-
-
withholding
-
5 347
-
-
total
-
5 347
-
-
Income
44 000
44 000
44 000
44 000
Total tax
24 505
13 708
20 659
19 263
After tax
19 495
30 292
23 341
24 737
Living cost
27 067
27 067
27 067
27 067
Free-cash
-7 572
3 225
-3 726
-2 330

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
-₽16795
-₽106543
-₽13157
-₽12848
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
income
-
-
-
8 576
social contributions
-
-
-
5 016
total
-
-
-
13 592
Employee
62 466
-
-
-
social contributions
5 122
-
730
-
income
13 779
-
-
-
total
18 901
-
730
-
Employer
62 466
-
-
-
social contributions
88 077
-
12 553
-
total
88 077
-
12 553
-
Corporate
-
44 000
-
-
income
-
9 680
-
-
total
-
9 680
-
-
Dividends
-
34 320
-
-
income
-
7 550
-
-
total
-
7 550
-
-
Income
44 000
44 000
44 000
44 000
Total tax
106 978
17 230
13 283
13 592
After tax
-62 978
26 770
30 717
30 408
Living cost
43 565
43 565
43 565
43 565
Free-cash
-106 543
-16 795
-12 848
-13 157

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
-₽6625
-₽13435
-₽5861
-₽6745
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
44 000
income
-
-
-
2 919
surtax
-
-
-
-
social contributions

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

-
-
-
15 289
total
-
-
-
18 208
Employee
46 411
-
35 555
-
social contributions
5 105
-
3 910
-
surtax
-
-
-
-
income
9 654
-
6 737
-
total
14 759
-
10 647
-
Employer
46 411
-
35 555
-
social contributions
11 023
-
8 445
-
total
11 023
-
8 445
-
Corporate
-
44 000
-
-
surtax
-
-
-
-
income
-
9 240
-
-
total
-
9 240
-
-
Dividends
-
34 760
-
-
withholding
-
9 732
-
-
total
-
9 732
-
-
Income
44 000
44 000
44 000
44 000
Total tax
25 782
18 972
19 092
18 208
After tax
18 218
25 028
24 908
25 792
Living cost
31 653
31 653
31 653
31 653
Free-cash
-13 435
-6 625
-6 745
-5 861

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
-₽26564
-₽38943
-₽22055
-₽21341
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
income
-
-
-
1 273
pensions
-
-
-
13 045
other
-
-
-
1 363
health
-
-
-
381
surtax
-
-
-
-
social contributions
-
-
-
1 254
total
-
-
-
17 316
Employee
63 203
-
33 527
-
social contributions
1 800
-
956
-
surtax
-
-
-
-
income
5 515
-
1 381
-
pensions
7 149
-
3 792
-
total
14 464
-
6 129
-
Employer
63 203
-
33 527
-
other
2 181
-
1 157
-
social contributions
190
-
101
-
unemployment
2 560
-
1 358
-
pensions
10 385
-
5 509
-
health
4 424
-
2 348
-
total
19 740
-
10 473
-
Corporate
-
44 000
-
-
surtax
-
-
-
-
income
-
12 319
-
-
total
-
12 319
-
-
Dividends
-
31 681
-
-
surtax
-
-
-
-
social contributions
-
5 450
-
-
withholding
-
4 056
-
-
total
-
9 506
-
-
Income
44 000
44 000
44 000
44 000
Total tax
34 204
21 825
16 602
17 316
After tax
9 796
22 175
27 398
26 684
Living cost
48 739
48 739
48 739
48 739
Free-cash
-38 943
-26 564
-21 341
-22 055

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
₽9265
₽5876
₽3986
₽5286
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
income
-
-
-
-
social contributions
-
-
-
9 680
total
-
-
-
9 680
Employee
32 442
-
38 094
-
income
-
-
-
-
social contributions
2 108
-
2 476
-
total
2 108
-
2 476
-
Employer
32 442
-
38 094
-
social contributions
5 029
-
5 904
-
total
5 029
-
5 904
-
Corporate
6 529
44 000
-
-
income
653
4 401
-
-
total
653
4 401
-
-
Dividends
5 876
39 599
-
-
total
-
-
-
-
Income
44 000
44 000
44 000
44 000
Total tax
7 790
4 401
8 380
9 680
After tax
36 210
39 599
35 620
34 320
Living cost
30 334
30 334
30 334
30 334
Free-cash
5 876
9 265
5 286
3 986

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
-₽175958
-₽175958
-₽19159
-₽175958
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
municipal
-
-
-
6 416
pensions
-
-
-
875
national
-
-
-
3 798
labour market
-
-
-
3 450
total
-
-
-
14 539
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
44 000
44 000
44 000
44 000
Total tax
171 338
171 338
171 338
14 539
After tax
-127 338
-127 338
-127 338
29 461
Living cost
48 620
48 620
48 620
48 620
Free-cash
-175 958
-175 958
-175 958
-19 159

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
-₽18181
₽230
₽8698
₽1491
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
accident
-
-
-
253
income
-
-
-
6 570
pensions
-
-
-
4 174
other
-
-
-
372
health
-
-
-
2 188
total
-
-
-
13 557
Employee
34 207
-
36 551
-
health
3 917
-
4 185
-
income
4 693
-
5 014
-
pensions
3 852
-
4 115
-
total
12 462
-
13 314
-
Employer
34 207
-
36 551
-
accident
571
-
611
-
unemployment
838
-
896
-
pensions
5 562
-
5 943
-
total
6 971
-
7 450
-
Corporate
2 822
44 000
-
-
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.

2 539
39 600
-
-
total
2 539
39 600
-
-
Dividends
282
4 400
-
-
withholding
53
836
-
-
total
53
836
-
-
Income
44 000
44 000
44 000
44 000
Total tax
22 025
40 436
20 764
13 557
After tax
21 975
3 564
23 236
30 443
Living cost
21 745
21 745
21 745
21 745
Free-cash
230
-18 181
1 491
8 698

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
-₽8295
-₽19110
-₽3477
-₽11023
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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

-
-
-
44 000
municipal
-
-
-
7 874
health
-
-
-
257
national
-
-
-
603
total
-
-
-
8 734
Employee
53 092
-
37 014
-
health
396
-
149
-
municipal
8 696
-
6 086
-
pensions
3 583
-
2 499
-
unemployment
797
-
555
-
national
877
-
6
-
total
14 349
-
9 295
-
Employer
53 092
-
37 014
-
accident
54
-
36
-
unemployment
345
-
241
-
pensions
9 211
-
6 423
-
health
408
-
285
-
total
10 018
-
6 985
-
Corporate
-
44 000
-
-
income
-
8 799
-
-
total
-
8 799
-
-
Dividends

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

-
26 400
-
-
national
-
-
-
-
municipal
-
4 753
-
-
total
-
4 753
-
-
Income
44 000
44 000
44 000
44 000
Total tax
24 367
13 552
16 280
8 734
After tax
19 633
30 448
27 720
35 266
Living cost
38 743
38 743
38 743
38 743
Free-cash
-19 110
-8 295
-11 023
-3 477

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
-₽2182
₽3678
₽12651
₽4276
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
income
-
-
-
-
health
-
-
-
1 122
social contributions
-
-
-
6 863
total
-
-
-
7 985
Employee
77 596
77 596
77 596
-
social contributions
2 934
6 440
3 315
-
health
601
1 319
680
-
income
8 449
7 183
8 311
-
total
11 984
14 942
12 306
-
Employer
77 596
77 596
77 596
-
social contributions
2 934
6 440
3 315
-
health
653
1 436
739
-
total
3 587
7 876
4 054
-
Corporate
5 065
-
-
-
income
634
-
-
-
total
634
-
-
-
Dividends
4 432
-
-
-
withholding
753
-
-
-
total
753
-
-
-
Income
44 000
44 000
44 000
44 000
Total tax
16 958
22 818
16 360
7 985
After tax
27 042
21 182
27 640
36 015
Living cost
23 364
23 364
23 364
23 364
Free-cash
3 678
-2 182
4 276
12 651

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
₽20414
₽15281
₽14506
₽11316
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
44 000
income
-
-
-
3 372
pensions
-
-
-
6 419
unemployment
-
-
-
29
health
-
-
-
3 652
total
-
-
-
13 472
Employee

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

23 163
-
39 890
-
health
1 969
-
3 391
-
income
1 584
-
2 978
-
pensions
3 474
-
5 984
-
unemployment
115
-
199
-
total
7 142
-
12 552
-
Employer

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

23 163
-
39 890
-
unemployment
115
-
199
-
pensions
1 273
-
2 195
-
health
996
-
1 716
-
total
2 384
-
4 110
-
Corporate
18 453
44 000
-
-
income
1 660
3 960
-
-
total
1 660
3 960
-
-
Dividends
16 793
40 040
-
-
withholding
1 511
3 604
-
-
total
1 511
3 604
-
-
Income
44 000
44 000
44 000
44 000
Total tax
12 697
7 564
16 662
13 472
After tax
31 303
36 436
27 338
30 528
Living cost
16 022
16 022
16 022
16 022
Free-cash
15 281
20 414
11 316
14 506

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
₽2027
-₽5208
-₽3149
-₽2910
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
accident
-
-
-
396
income
-
-
-
6 200
pensions
-
-
-
12 451
other
-
-
-
44
unemployment
-
-
-
308
total
-
-
-
19 399
Employee
37 313
-
33 257
-
other
36
-
34
-
income
7 194
-
6 276
-
pensions
1 754
-
1 584
-
unemployment
578
-
523
-
total
9 562
-
8 417
-
Employer
37 313
-
33 257
-
accident
739
-
666
-
other
299
-
270
-
unemployment
2 053
-
1 854
-
pensions
8 805
-
7 953
-
total
11 896
-
10 743
-
Corporate
-
44 000
-
-
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.

-
6 599
-
-
total
-
6 599
-
-
Dividends
-
37 401
-
-
withholding
-
7 624
-
-
total
-
7 624
-
-
Income
44 000
44 000
44 000
44 000
Total tax
21 458
14 223
19 160
19 399
After tax
22 542
29 777
24 840
24 601
Living cost
27 750
27 750
27 750
27 750
Free-cash
-5 208
2 027
-2 910
-3 149

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
₽24700
₽24246
₽24225
₽24028
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
income
-
-
-
13 551
pensions
-
-
-
2 010
health
-
-
-
1 458
total
-
-
-
17 019
Employee
4 198
-
41 738
-
health
210
-
503
-
income
812
-
13 445
-
pensions
378
-
905
-
unemployment
42
-
101
-
total
1 442
-
14 954
-
Employer
4 198
-
41 738
-
unemployment
84
-
201
-
pensions
462
-
1 106
-
health
399
-
955
-
total
945
-
2 262
-
Corporate
38 858
44 000
-
-
income
8 549
9 680
-
-
total
8 549
9 680
-
-
Dividends
30 309
34 320
-
-
withholding
6 062
6 864
-
-
total
6 062
6 864
-
-
Income
44 000
44 000
44 000
44 000
Total tax
16 998
16 544
17 216
17 019
After tax
27 002
27 456
26 784
26 981
Living cost
2 756
2 756
2 756
2 756
Free-cash
24 246
24 700
24 028
24 225

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
₽14337
₽9372
₽4715
₽6609
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
44 000
income
-
-
-
5 200
pensions
-
-
-
11 440
unemployment
-
-
-
660
health
-
-
-
4 532
total
-
-
-
21 832
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
-
37 320
-
health
1 355
-
1 922
-
income
3 628
-
5 831
-
pensions
3 685
-
5 225
-
unemployment
197
-
280
-
total
8 865
-
13 258
-
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
-
37 320
-
unemployment
197
-
280
-
pensions
3 158
-
4 478
-
health
1 355
-
1 922
-
total
4 710
-
6 680
-
Corporate
12 970
44 000
-
-
income
1 946
6 600
-
-
total
1 946
6 600
-
-
Dividends
11 025
37 400
-
-
withholding
1 654
5 610
-
-
total
1 654
5 610
-
-
Income
44 000
44 000
44 000
44 000
Total tax
17 175
12 210
19 938
21 832
After tax
26 825
31 790
24 062
22 168
Living cost
17 453
17 453
17 453
17 453
Free-cash
9 372
14 337
6 609
4 715

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
-₽2177
-₽4468
-₽1413
-₽2297
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
44 000
income
-
-
-
2 919
surtax
-
-
-
-
social contributions

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

-
-
-
15 289
total
-
-
-
18 208
Employee
39 166
-
35 555
-
social contributions
4 309
-
3 910
-
surtax
-
-
-
-
income
7 653
-
6 737
-
total
11 962
-
10 647
-
Employer
39 166
-
35 555
-
social contributions
9 301
-
8 445
-
total
9 301
-
8 445
-
Corporate
-
44 000
-
-
surtax
-
-
-
-
income
-
9 240
-
-
total
-
9 240
-
-
Dividends
-
34 760
-
-
withholding
-
9 732
-
-
total
-
9 732
-
-
Income
44 000
44 000
44 000
44 000
Total tax
21 263
18 972
19 092
18 208
After tax
22 737
25 028
24 908
25 792
Living cost
27 205
27 205
27 205
27 205
Free-cash
-4 468
-2 177
-2 297
-1 413

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
-₽5688
-₽20275
-₽10864
-₽10625
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
accident
-
-
-
396
income
-
-
-
6 200
pensions
-
-
-
12 451
other
-
-
-
44
unemployment
-
-
-
308
total
-
-
-
19 399
Employee
48 736
-
33 257
-
other
48
-
34
-
income
10 179
-
6 276
-
pensions
2 290
-
1 584
-
unemployment
755
-
523
-
total
13 272
-
8 417
-
Employer
48 736
-
33 257
-
accident
965
-
666
-
other
391
-
270
-
unemployment
2 681
-
1 854
-
pensions
11 501
-
7 953
-
total
15 538
-
10 743
-
Corporate
-
44 000
-
-
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.

-
6 599
-
-
total
-
6 599
-
-
Dividends
-
37 401
-
-
withholding
-
7 624
-
-
total
-
7 624
-
-
Income
44 000
44 000
44 000
44 000
Total tax
28 810
14 223
19 160
19 399
After tax
15 190
29 777
24 840
24 601
Living cost
35 465
35 465
35 465
35 465
Free-cash
-20 275
-5 688
-10 625
-10 864

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
₽20249
₽14095
₽10612
₽10893
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
income
-
-
-
6 600
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
-
-
-
16 017
Employee
23 001
-
37 080
-
health
1 058
-
1 622
-
accident

We are using the highest rate at 1.1%.

253
-
388
-
income
2 300
-
3 708
-
pensions

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

2 019
-
3 097
-
total
5 630
-
8 815
-
Employer
23 001
-
37 080
-
accident

We are using the highest rate at 1.1%.

253
-
388
-
unemployment
138
-
212
-
pensions

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

2 535
-
3 887
-
health
1 587
-
2 434
-
total
4 513
-
6 921
-
Corporate
16 486
44 000
-
-
income
1 649
4 400
-
-
total
1 649
4 400
-
-
Dividends
14 837
39 600
-
-
withholding
742
1 980
-
-
total
742
1 980
-
-
Income
44 000
44 000
44 000
44 000
Total tax
12 534
6 380
15 736
16 017
After tax
31 466
37 620
28 264
27 983
Living cost
17 371
17 371
17 371
17 371
Free-cash
14 095
20 249
10 893
10 612

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
-₽16094
-₽6210
-₽4450
-₽4450
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
44 000
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.

-
-
-
2 461
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.

-
-
-
136
total
-
-
-
9 491
Employee

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

50 210
-
44 000
-
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
-
136
-
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
-
2 461
-
total
11 251
-
9 491
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
44 000
-
-
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.

-
364
-
-
income
-
6 599
-
-
trade
-
6 314
-
-
chamber of commerce
-
218
-
-
total
-
13 495
-
-
Dividends
-
30 505
-
-
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.

-
398
-
-
withholding
-
7 242
-
-
total
-
7 640
-
-
Income
44 000
44 000
44 000
44 000
Total tax
11 251
21 135
9 491
9 491
After tax
32 749
22 865
34 509
34 509
Living cost
38 959
38 959
38 959
38 959
Free-cash
-6 210
-16 094
-4 450
-4 450

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
-₽26684
-₽34937
-₽21838
-₽21838
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
income
-
-
-
5 640
social contributions
-
-
-
2 714
total
-
-
-
8 354
Employee
78 935
-
44 000
-
income
14 895
-
5 640
-
social contributions
6 558
-
2 714
-
total
21 453
-
8 354
-
Employer
78 935
-
44 000
-
total
-
-
-
-
Corporate
-
44 000
-
-
income
-
5 500
-
-
total
-
5 500
-
-
Dividends
-
38 500
-
-
withholding
-
7 700
-
-
total
-
7 700
-
-
Income
44 000
44 000
44 000
44 000
Total tax
21 453
13 200
8 354
8 354
After tax
22 547
30 800
35 646
35 646
Living cost
57 484
57 484
57 484
57 484
Free-cash
-34 937
-26 684
-21 838
-21 838

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
-₽12321
-₽9942
-₽28097
-₽4249
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
44 000
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
-
39 994
-
income
5 023
-
3 606
-
social contributions
4 638
-
4 006
-
total
9 661
-
7 612
-
Employer
46 292
-
39 994
-
social contributions
4 638
-
4 006
-
total
4 638
-
4 006
-
Corporate
-
44 000
-
-
income
-
15 400
-
-
total
-
15 400
-
-
Dividends
-
28 600
-
-
social contributions
3 012
4 290
-
-
total
3 012
4 290
-
-
Income
44 000
44 000
44 000
44 000
Total tax
17 311
19 690
11 618
35 466
After tax
26 689
24 310
32 382
8 534
Living cost
36 631
36 631
36 631
36 631
Free-cash
-9 942
-12 321
-4 249
-28 097

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
-₽4648
-₽13826
-₽4228
-₽8216
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
income
-
-
-
8 345
pensions
-
-
-
2 270
total
-
-
-
10 615
Employee
51 629
-
39 680
-
health
673
-
428
-
income
9 402
-
7 348
-
pensions
3 941
-
2 507
-
total
14 016
-
10 283
-
Employer
51 629
-
39 680
-
pensions
5 216
-
3 566
-
health
981
-
754
-
total
6 197
-
4 320
-
Corporate
-
44 000
-
-
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.

-
8 361
-
-
total
-
8 361
-
-
Dividends
-
35 639
-
-
withholding
-
2 674
-
-
total
-
2 674
-
-
Income
44 000
44 000
44 000
44 000
Total tax
20 213
11 035
14 603
10 615
After tax
23 787
32 965
29 397
33 385
Living cost
37 613
37 613
37 613
37 613
Free-cash
-13 826
-4 648
-8 216
-4 228

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
-₽20334
-₽1253
₽6545
-₽662
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
accident
-
-
-
253
income
-
-
-
6 570
pensions
-
-
-
4 174
other
-
-
-
372
health
-
-
-
2 188
total
-
-
-
13 557
Employee
37 593
-
36 551
-
health
4 304
-
4 185
-
income
5 157
-
5 014
-
pensions
4 233
-
4 115
-
total
13 694
-
13 314
-
Employer
37 593
-
36 551
-
accident
628
-
611
-
unemployment
921
-
896
-
pensions
6 112
-
5 943
-
total
7 661
-
7 450
-
Corporate
-
44 000
-
-
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.

-
39 600
-
-
total
-
39 600
-
-
Dividends
-
4 400
-
-
withholding
-
836
-
-
total
-
836
-
-
Income
44 000
44 000
44 000
44 000
Total tax
21 355
40 436
20 764
13 557
After tax
22 645
3 564
23 236
30 443
Living cost
23 898
23 898
23 898
23 898
Free-cash
-1 253
-20 334
-662
6 545

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

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Skopje , Macedonia
₽23769
₽18861
₽13038
₽13038
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
44 000
work injury
-
-
-
220
health insurance
-
-
-
3 256
income
-
-
-
5 231
pensions
-
-
-
8 096
unemployment
-
-
-
528
total
-
-
-
17 331
Employee

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

21 810
-
44 000
-
work injury
109
-
220
-
income
2 181
-
5 231
-
pensions
4 013
-
8 096
-
health insurance
1 614
-
3 256
-
unemployment
262
-
528
-
total
8 179
-
17 331
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
22 190
44 000
-
-
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
22 190
44 000
-
-
withholding
3 329
6 600
-
-
total
3 329
6 600
-
-
Income
44 000
44 000
44 000
44 000
Total tax
11 508
6 600
17 331
17 331
After tax
32 492
37 400
26 669
26 669
Living cost
13 631
13 631
13 631
13 631
Free-cash
18 861
23 769
13 038
13 038

Estimated living cost  is ₽13631 per week

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

Source of data for Skopje model

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Rome , Italy
-₽17023
-₽41035
-₽16093
-₽18533
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
44 000
municipal
-
-
-
295
regional
-
-
-
604
national
-
-
-
7 675
social contributions
-
-
-
11 318
total
-
-
-
19 892
Employee
85 034
-
44 000
-
social contributions
28 673
-
14 837
-
regional
1 284
-
508
-
municipal
507
-
262
-
national
14 370
-
6 725
-
total
44 834
-
22 332
-
Employer
85 034
-
44 000
-
total
-
-
-
-
Corporate
-
44 000
-
-
nationa
-
10 559
-
-
municipal
-
2 120
-
-
total
-
12 679
-
-
Dividends
-
31 321
-
-
withholding
-
8 143
-
-
total
-
8 143
-
-
Income
44 000
44 000
44 000
44 000
Total tax
44 834
20 822
22 332
19 892
After tax
-834
23 178
21 668
24 108
Living cost
40 201
40 201
40 201
40 201
Free-cash
-41 035
-17 023
-18 533
-16 093

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.
 Adjust living cost Show details Source

Source of data for Rome model

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