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
₽ 82000
per

Your estimated
City
free-cash

Dresden , Germany
₽23219
₽30988
₽25034
₽12708
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
82 000
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.

-
-
-
821
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.

-
-
-
6 493
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.

-
-
-
14 908
trade
-
-
-
5 954
total
-
-
-
28 176
Employee

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

36 355
-
82 000
-
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.

1 016
-
14 908
-
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.

56
-
821
-
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.

6 493
-
6 493
-
total
7 565
-
22 222
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
45 645
82 000
-
-
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.

377
676
-
-
chamber of commerce
209
262
-
-
income
6 847
12 300
-
-
trade
7 190
12 915
-
-
total
14 623
26 153
-
-
Dividends
31 023
55 848
-
-
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.

408
749
-
-
withholding
7 395
13 600
-
-
total
7 803
14 349
-
-
Income
82 000
82 000
82 000
82 000
Total tax
29 991
40 502
22 222
28 176
After tax
52 009
41 498
59 778
53 824
Living cost
28 790
28 790
28 790
28 790
Free-cash
23 219
12 708
30 988
25 034

Estimated living cost  is ₽28790 per week

₽18110
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3357
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽538
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6786
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽6882
-₽1730
-₽2372
-₽1398
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
national
-
-
-
12 815
pensions
-
-
-
9 840
municipal
-
-
-
8 270
social contributions
-
-
-
881
total
-
-
-
31 806
Employee
81 487
-
70 888
-
pensions
3 259
-
2 836
-
national
15 597
-
13 307
-
municipal
10 065
-
8 588
-
total
28 921
-
24 731
-
Employer
81 487
-
70 888
-
social contributions
876
-
762
-
pensions
6 519
-
5 671
-
total
7 395
-
6 433
-
Corporate
-
82 000
-
-
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%.

-
16 400
-
-
total
-
16 400
-
-
Dividends
-
65 600
-
-
withholding
-
14 432
-
-
total
-
14 432
-
-
Income
82 000
82 000
82 000
82 000
Total tax
36 316
30 832
31 164
31 806
After tax
45 684
51 168
50 836
50 194
Living cost
52 566
52 566
52 566
52 566
Free-cash
-6 882
-1 398
-1 730
-2 372

Estimated living cost  is ₽52566 per week

₽35729
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4886
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽787
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽11164
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽38028
₽26595
₽24150
₽45826
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
82 000
surtax
-
-
-
-
income
-
-
-
11 713
microenterprise
-
-
-
-
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.

-
-
-
26 363
total
-
-
-
38 076
Employee
27 774
-
66 080
-
income
4 944
-
12 444
-
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.

3 056
-
7 269
-
total
8 000
-
19 713
-
Employer
27 774
-
66 080
-
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.

6 690
-
15 918
-
surtax
-
-
-
-
total
6 690
-
15 918
-
Corporate
47 536
82 000
-
-
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%.

9 508
16 400
-
-
total
9 508
16 400
-
-
Dividends

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

38 029
65 600
-
-
total
-
-
-
-
Income
82 000
82 000
82 000
82 000
Total tax
24 198
16 400
35 631
38 076
After tax
57 802
65 600
46 369
43 924
Living cost
19 774
19 774
19 774
19 774
Free-cash
38 028
45 826
26 595
24 150

Estimated living cost  is ₽19774 per week

₽12615
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1883
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽449
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4827
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽12385
-₽12385
₽6800
-₽7050
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
pensions
-
-
-
11 136
health
-
-
-
10 644
income
-
-
-
13 602
total
-
-
-
35 382
Employee
81 168
81 168
81 168
-
income

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

13 286
13 286
13 286
-
pensions
14 610
11 136
14 610
-
health
12 458
10 597
12 458
-
total
40 354
35 019
40 354
-
Employer
81 168
81 168
81 168
-
unemployment
2 922
2 922
2 922
-
health
5 642
5 642
5 642
-
pensions
5 649
5 649
5 649
-
total
14 213
14 213
14 213
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
82 000
82 000
82 000
82 000
Total tax
54 567
49 232
54 567
35 382
After tax
27 433
32 768
27 433
46 618
Living cost
39 818
39 818
39 818
39 818
Free-cash
-12 385
-7 050
-12 385
6 800

Estimated living cost  is ₽39818 per week

₽28218
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3589
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽633
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7377
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽6055
₽5923
₽3009
₽6905
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
unemployment
-
-
-
82
accident
-
-
-
164
national
-
-
-
-
pensions
-
-
-
8 864
health
-
-
-
5 117
municipal
-
-
-
17 369
other
-
-
-
9 528
total
-
-
-
41 124
Employee
53 957
-
62 396
-
national
-
-
-
-
municipal
16 090
-
18 606
-
total
16 090
-
18 606
-
Employer
53 957
-
62 396
-
accident
108
-
125
-
unemployment
1 424
-
1 647
-
health
3 318
-
3 837
-
pensions
5 833
-
6 745
-
other
6 270
-
7 250
-
total
16 953
-
19 604
-
Corporate
11 090
82 000
-
-
income
2 440
18 040
-
-
total
2 440
18 040
-
-
Dividends
8 650
63 960
-
-
withholding
2 595
19 188
-
-
total
2 595
19 188
-
-
Income
82 000
82 000
82 000
82 000
Total tax
38 078
37 228
38 210
41 124
After tax
43 922
44 772
43 790
40 876
Living cost
37 867
37 867
37 867
37 867
Free-cash
6 055
6 905
5 923
3 009

Estimated living cost  is ₽37867 per week

₽25097
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3716
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽575
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8479
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽17092
₽22439
₽16220
₽3737
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
82 000
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.

-
-
-
821
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.

-
-
-
6 493
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.

-
-
-
14 908
trade
-
-
-
6 219
total
-
-
-
28 441
Employee

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

48 201
-
82 000
-
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.

4 141
-
14 908
-
surtax

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

227
-
821
-
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.

6 493
-
6 493
-
total
10 861
-
22 222
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
33 799
82 000
-
-
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.

280
676
-
-
chamber of commerce
193
262
-
-
income
5 070
12 300
-
-
trade
5 559
13 488
-
-
total
11 102
26 726
-
-
Dividends
22 697
55 274
-
-
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.

292
740
-
-
withholding
5 314
13 458
-
-
total
5 606
14 198
-
-
Income
82 000
82 000
82 000
82 000
Total tax
27 569
40 924
22 222
28 441
After tax
54 431
41 076
59 778
53 559
Living cost
37 339
37 339
37 339
37 339
Free-cash
17 092
3 737
22 439
16 220

Estimated living cost  is ₽37339 per week

₽24973
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3938
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽557
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7872
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽25325
₽29037
₽29122
₽29269
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
health
-
-
-
2 091
income
-
-
-
7 166
social contributions
-
-
-
12 792
total
-
-
-
22 049
Employee
73 088
73 088
74 442
-
income
7 675
6 766
7 130
-
social contributions
3 552
6 066
6 180
-
health
727
1 243
1 266
-
total
11 954
14 075
14 576
-
Employer
73 088
73 088
74 442
-
social contributions
3 552
6 066
6 180
-
health
792
1 353
1 378
-
total
4 344
7 419
7 558
-
Corporate
34 874
1 493
-
-
income
4 360
186
-
-
total
4 360
186
-
-
Dividends
30 514
1 307
-
-
withholding
5 188
222
-
-
total
5 188
222
-
-
Income
82 000
82 000
82 000
82 000
Total tax
25 846
21 902
22 134
22 049
After tax
56 154
60 098
59 866
59 951
Living cost
30 829
30 829
30 829
30 829
Free-cash
25 325
29 269
29 037
29 122

Estimated living cost  is ₽30829 per week

₽21075
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2408
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽518
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6829
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽28189
₽29075
₽38345
₽27806
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
unemployment
-
-
-
1 230
pensions
-
-
-
8 200
health
-
-
-
5 740
income
-
-
-
10 024
total
-
-
-
25 194
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.

26 649
10 606
68 619
-
income
3 258
1 297
8 389
-
pensions
2 665
1 061
6 862
-
unemployment
400
159
1 029
-
health
1 865
742
4 803
-
total
8 188
3 259
21 083
-
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.

26 649
10 606
68 619
-
pensions
5 197
2 068
13 381
-
total
5 197
2 068
13 381
-
Corporate
50 154
69 326
-
-
income
4 514
6 239
-
-
total
4 514
6 239
-
-
Dividends
45 640
63 086
-
-
social contributions
8 779
12 181
-
-
withholding
8 672
11 986
-
-
total
17 451
24 167
-
-
Income
82 000
82 000
82 000
82 000
Total tax
35 350
35 733
34 464
25 194
After tax
46 650
46 267
47 536
56 806
Living cost
18 461
18 461
18 461
18 461
Free-cash
28 189
27 806
29 075
38 345

Estimated living cost  is ₽18461 per week

₽12598
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1511
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽369
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3984
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽36737
₽24304
₽20994
₽42642
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
pensions
-
-
-
16 400
health
-
-
-
10 660
income
-
-
-
10 988
total
-
-
-
38 048
Employee
26 964
-
61 286
-
income
3 036
-
11 816
-
pensions
539
-
1 227
-
unemployment
431
-
981
-
total
4 006
-
14 024
-
Employer
26 964
-
61 286
-
unemployment
216
-
491
-
health
3 505
-
7 967
-
pensions
5 393
-
12 256
-
total
9 114
-
20 714
-
Corporate
45 922
82 000
-
-
income
9 185
16 400
-
-
total
9 185
16 400
-
-
Dividends
36 737
65 600
-
-
total
-
-
-
-
Income
82 000
82 000
82 000
82 000
Total tax
22 305
16 400
34 738
38 048
After tax
59 695
65 600
47 262
43 952
Living cost
22 958
22 958
22 958
22 958
Free-cash
36 737
42 642
24 304
20 994

Estimated living cost  is ₽22958 per week

₽15747
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1367
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽462
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5382
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽3493
₽21107
₽35814
-₽13896
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
accident
-
-
-
236
pensions
-
-
-
3 884
health
-
-
-
2 036
income
-
-
-
19 146
other
-
-
-
346
total
-
-
-
25 648
Employee
32 308
-
68 877
-
income
4 432
-
12 224
-
pensions
3 638
-
7 122
-
health
3 699
-
7 886
-
total
11 769
-
27 232
-
Employer
32 308
-
68 877
-
accident
539
-
1 150
-
unemployment
792
-
1 688
-
pensions
5 253
-
10 285
-
total
6 584
-
13 123
-
Corporate
43 108
82 000
-
-
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.

38 797
73 800
-
-
total
38 797
73 800
-
-
Dividends
4 311
8 200
-
-
withholding
819
1 558
-
-
total
819
1 558
-
-
Income
82 000
82 000
82 000
82 000
Total tax
57 969
75 358
40 355
25 648
After tax
24 031
6 642
41 645
56 352
Living cost
20 538
20 538
20 538
20 538
Free-cash
3 493
-13 896
21 107
35 814

Estimated living cost  is ₽20538 per week

₽15053
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1138
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽429
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3919
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽67958
₽57228
₽72808
₽69528
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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%.

-
-
-
82 000
microenterprise

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

-
-
-
820
total
-
-
-
820
Employee
10 465
-
82 000
-
income
2 093
-
16 400
-
total
2 093
-
16 400
-
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%.

71 535
82 000
-
-
total
-
-
-
-
Dividends
71 535
82 000
-
-
withholding
3 577
4 100
-
-
total
3 577
4 100
-
-
Income
82 000
82 000
82 000
82 000
Total tax
5 670
4 100
16 400
820
After tax
76 330
77 900
65 600
81 180
Living cost
8 372
8 372
8 372
8 372
Free-cash
67 958
69 528
57 228
72 808

Estimated living cost  is ₽8372 per week

₽5189
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽696
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽230
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2258
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽28499
₽22740
₽19076
₽34918
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
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.

-
-
-
19 681
health
-
-
-
3 607
income
-
-
-
10 415
other
-
-
-
3 894
total
-
-
-
37 597
Employee
34 511
-
65 496
-
income
5 942
-
11 275
-
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.

2 415
-
4 583
-
unemployment
345
-
655
-
health
483
-
916
-
total
9 185
-
17 429
-
Employer
34 511
-
65 496
-
accident
276
-
523
-
unemployment
345
-
655
-
health
483
-
916
-
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.

5 868
-
11 134
-
other
1 726
-
3 276
-
total
8 698
-
16 504
-
Corporate
38 791
82 000
-
-
income
8 146
17 220
-
-
total
8 146
17 220
-
-
Dividends
30 645
64 780
-
-
withholding
2 145
4 535
-
-
total
2 145
4 535
-
-
Income
82 000
82 000
82 000
82 000
Total tax
28 174
21 755
33 933
37 597
After tax
53 826
60 245
48 067
44 403
Living cost
25 327
25 327
25 327
25 327
Free-cash
28 499
34 918
22 740
19 076

Estimated living cost  is ₽25327 per week

₽17895
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1710
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.
₽5314
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽21719
-₽12648
-₽3486
-₽3033
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
pensions
-
-
-
5 770
income
-
-
-
15 245
total
-
-
-
21 015
Employee
91 216
-
72 444
-
income
16 443
-
12 955
-
pensions
8 800
-
6 547
-
health
1 503
-
1 119
-
total
26 746
-
20 621
-
Employer
91 216
-
72 444
-
health
1 732
-
1 376
-
pensions
10 770
-
8 180
-
total
12 502
-
9 556
-
Corporate
-
82 000
-
-
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.

-
15 581
-
-
total
-
15 581
-
-
Dividends
-
66 419
-
-
withholding
-
4 981
-
-
total
-
4 981
-
-
Income
82 000
82 000
82 000
82 000
Total tax
39 248
20 562
30 177
21 015
After tax
42 752
61 438
51 823
60 985
Living cost
64 471
64 471
64 471
64 471
Free-cash
-21 719
-3 033
-12 648
-3 486

Estimated living cost  is ₽64471 per week

₽48309
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽7575
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽524
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8063
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
₽52683
₽49917
₽47681
₽57243
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
unemployment
-
-
-
137
pensions

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

-
-
-
5 073
health
-
-
-
3 942
income
-
-
-
12 300
total
-
-
-
21 452
Employee
17 038
-
75 275
-
income
1 703
-
7 527
-
pensions

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

1 496
-
3 010
-
accident

We are using the highest rate at 1.1%.

188
-
377
-
health
784
-
1 577
-
total
4 171
-
12 491
-
Employer
17 038
-
75 275
-
accident

We are using the highest rate at 1.1%.

188
-
377
-
unemployment
102
-
206
-
health
1 176
-
2 365
-
pensions

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

1 878
-
3 777
-
total
3 344
-
6 725
-
Corporate
61 619
82 000
-
-
income
6 162
8 200
-
-
total
6 162
8 200
-
-
Dividends
55 458
73 800
-
-
withholding
2 773
3 690
-
-
total
2 773
3 690
-
-
Income
82 000
82 000
82 000
82 000
Total tax
16 450
11 890
19 216
21 452
After tax
65 550
70 110
62 784
60 548
Living cost
12 867
12 867
12 867
12 867
Free-cash
52 683
57 243
49 917
47 681

Estimated living cost  is ₽12867 per week

₽7512
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽919
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽341
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4095
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽21552
-₽25273
-₽6088
-₽19938
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
pensions
-
-
-
11 136
health
-
-
-
10 644
income
-
-
-
13 602
total
-
-
-
35 382
Employee
88 123
81 168
81 168
-
income

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

13 286
13 286
13 286
-
pensions
11 136
11 136
14 610
-
health
10 994
10 597
12 458
-
total
35 416
35 019
40 354
-
Employer
88 123
81 168
81 168
-
unemployment
3 173
2 922
2 922
-
health
6 124
5 642
5 642
-
pensions
6 133
5 649
5 649
-
total
15 430
14 213
14 213
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
82 000
82 000
82 000
82 000
Total tax
50 846
49 232
54 567
35 382
After tax
31 154
32 768
27 433
46 618
Living cost
52 706
52 706
52 706
52 706
Free-cash
-21 552
-19 938
-25 273
-6 088

Estimated living cost  is ₽52706 per week

₽38880
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4708
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽604
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8515
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽24554
₽18098
₽16424
₽32943
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
health
-
-
-
11 070
solidarity contribution
-
-
-
-
income
-
-
-
7 048
social contributions
-
-
-
23 944
total
-
-
-
42 062
Employee
34 580
-
61 194
-
solidarity contribution
-
-
-
-
income
4 150
-
7 343
-
social contributions
2 248
-
3 978
-
health
4 668
-
8 261
-
total
11 066
-
19 582
-
Employer
34 580
-
61 194
-
social contributions
8 645
-
15 299
-
health
3 112
-
5 507
-
total
11 757
-
20 806
-
Corporate
35 663
82 000
-
-
income
6 776
15 580
-
-
total
6 776
15 580
-
-
Dividends
28 887
66 420
-
-
withholding
4 333
9 963
-
-
total
4 333
9 963
-
-
Income
82 000
82 000
82 000
82 000
Total tax
33 932
25 543
40 388
42 062
After tax
48 068
56 457
41 612
39 938
Living cost
23 514
23 514
23 514
23 514
Free-cash
24 554
32 943
18 098
16 424

Estimated living cost  is ₽23514 per week

₽16333
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1673
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽462
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5046
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽2473
-₽977
₽2925
₽3643
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
national
-
-
-
16 508
regional
-
-
-
882
municipal
-
-
-
487
social contributions
-
-
-
21 091
total
-
-
-
38 968
Employee
84 474
-
82 000
-
regional
797
-
770
-
national
14 637
-
14 015
-
social contributions
28 485
-
27 650
-
municipal
447
-
435
-
total
44 366
-
42 870
-
Employer
84 474
-
82 000
-
total
-
-
-
-
Corporate
-
82 000
-
-
nationa
-
19 681
-
-
municipal
-
3 198
-
-
total
-
22 879
-
-
Dividends
-
59 121
-
-
withholding
-
15 371
-
-
total
-
15 371
-
-
Income
82 000
82 000
82 000
82 000
Total tax
44 366
38 250
42 870
38 968
After tax
37 634
43 750
39 130
43 032
Living cost
40 107
40 107
40 107
40 107
Free-cash
-2 473
3 643
-977
2 925

Estimated living cost  is ₽40107 per week

₽27958
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2630
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽615
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8903
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽27645
₽20984
₽22554
₽30604
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
unemployment
-
-
-
216
surtax
-
-
-
1 573
pensions
-
-
-
16 400
health
-
-
-
5 821
income
-
-
-
14 462
other
-
-
-
-
total
-
-
-
38 472
Employee
31 432
-
67 740
-
other
-
-
-
-
income
5 269
-
13 432
-
pensions
2 096
-
4 518
-
surtax
103
-
1 392
-
unemployment
2 188
-
4 715
-
health
803
-
1 726
-
total
10 459
-
25 783
-
Employer
31 432
-
67 740
-
unemployment
996
-
2 146
-
health
1 430
-
3 083
-
pensions
4 190
-
9 030
-
other
-
-
-
-
total
6 616
-
14 259
-
Corporate
43 952
82 000
-
-
income
11 427
21 320
-
-
total
11 427
21 320
-
-
Dividends
32 525
60 680
-
-
withholding
4 879
9 102
-
-
total
4 879
9 102
-
-
Income
82 000
82 000
82 000
82 000
Total tax
33 381
30 422
40 042
38 472
After tax
48 619
51 578
41 958
43 528
Living cost
20 974
20 974
20 974
20 974
Free-cash
27 645
30 604
20 984
22 554

Estimated living cost  is ₽20974 per week

₽12825
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1935
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.
₽5730
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽9807
₽7778
₽16940
₽17393
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
pensions
-
-
-
5 770
income
-
-
-
15 245
total
-
-
-
21 015
Employee
61 131
-
72 444
-
income
11 010
-
12 955
-
pensions
5 189
-
6 547
-
health
887
-
1 119
-
total
17 086
-
20 621
-
Employer
61 131
-
72 444
-
health
1 161
-
1 376
-
pensions
6 617
-
8 180
-
total
7 778
-
9 556
-
Corporate
13 091
82 000
-
-
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.

2 488
15 581
-
-
total
2 488
15 581
-
-
Dividends
10 602
66 419
-
-
withholding
796
4 981
-
-
total
796
4 981
-
-
Income
82 000
82 000
82 000
82 000
Total tax
28 148
20 562
30 177
21 015
After tax
53 852
61 438
51 823
60 985
Living cost
44 045
44 045
44 045
44 045
Free-cash
9 807
17 393
7 778
16 940

Estimated living cost  is ₽44045 per week

₽32998
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3301
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.
₽7284
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽14607
-₽10671
-₽6485
-₽37875
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
national
-
-
-
356
pensions
-
-
-
7 544
health
-
-
-
246
regional
-
-
-
2 464
city
-
-
-
863
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.

-
-
-
1 640
total
-
-
-
13 113
Employee
88 205
-
73 397
-
pensions
7 410
-
6 164
-
regional
2 888
-
2 087
-
national
418
-
299
-
unemployment
-
-
-
-
health
199
-
165
-
city
947
-
788
-
total
11 862
-
9 503
-
Employer
88 205
-
73 397
-
unemployment
-
-
-
-
health
199
-
165
-
pensions
7 410
-
6 164
-
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.

1 764
-
1 467
-
total
9 373
-
7 796
-
Corporate
-
82 000
-
-
national
-
6 969
-
-
regional
-
17 343
-
-
total
-
24 312
-
-
Dividends
-
57 688
-
-
withholding
-
20 191
-
-
total
-
20 191
-
-
Income
82 000
82 000
82 000
82 000
Total tax
21 235
44 503
17 299
13 113
After tax
60 765
37 497
64 701
68 887
Living cost
75 372
75 372
75 372
75 372
Free-cash
-14 607
-37 875
-10 671
-6 485

Estimated living cost  is ₽75372 per week

₽49014
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6764
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽925
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽18669
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
₽12524
₽16235
₽9751
-₽2888
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
82 000
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.

-
-
-
821
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.

-
-
-
6 493
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.

-
-
-
14 908
trade
-
-
-
6 484
total
-
-
-
28 706
Employee

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

57 123
-
82 000
-
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.

6 717
-
14 908
-
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.

370
-
821
-
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.

6 493
-
6 493
-
total
13 580
-
22 222
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
24 877
82 000
-
-
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.

206
676
-
-
chamber of commerce
179
260
-
-
income
3 732
12 300
-
-
trade
4 266
14 064
-
-
total
8 383
27 300
-
-
Dividends
16 495
54 700
-
-
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.

207
732
-
-
withholding
3 763
13 313
-
-
total
3 970
14 045
-
-
Income
82 000
82 000
82 000
82 000
Total tax
25 933
41 345
22 222
28 706
After tax
56 067
40 655
59 778
53 294
Living cost
43 543
43 543
43 543
43 543
Free-cash
12 524
-2 888
16 235
9 751

Estimated living cost  is ₽43543 per week

₽31802
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3483
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽566
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7693
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽14422
₽15157
₽15074
₽8807
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
surtax
-
-
-
-
pensions
-
-
-
22 764
health
-
-
-
801
income
-
-
-
5 964
social contributions
-
-
-
2 336
other
-
-
-
2 541
total
-
-
-
34 406
Employee
40 680
-
62 487
-
income
2 401
-
5 961
-
pensions
4 600
-
7 067
-
surtax
-
-
-
-
social contributions
1 160
-
1 780
-
total
8 161
-
14 808
-
Employer
40 680
-
62 487
-
unemployment
1 647
-
2 531
-
social contributions
123
-
188
-
health
2 848
-
4 374
-
pensions
6 683
-
10 267
-
other
1 403
-
2 155
-
total
12 704
-
19 515
-
Corporate
28 617
82 000
-
-
surtax
-
-
-
-
income
8 012
22 960
-
-
total
8 012
22 960
-
-
Dividends
20 604
59 040
-
-
surtax
-
-
-
-
social contributions
3 544
10 155
-
-
withholding
2 637
7 558
-
-
total
6 181
17 713
-
-
Income
82 000
82 000
82 000
82 000
Total tax
35 058
40 673
34 323
34 406
After tax
46 942
41 327
47 677
47 594
Living cost
32 520
32 520
32 520
32 520
Free-cash
14 422
8 807
15 157
15 074

Estimated living cost  is ₽32520 per week

₽20505
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2644
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽554
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8818
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽17311
₽18379
₽18296
₽12029
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
surtax
-
-
-
-
pensions
-
-
-
22 764
health
-
-
-
801
income
-
-
-
5 964
social contributions
-
-
-
2 336
other
-
-
-
2 541
total
-
-
-
34 406
Employee
36 312
-
62 487
-
income
1 872
-
5 961
-
pensions
4 107
-
7 067
-
surtax
-
-
-
-
social contributions
1 035
-
1 780
-
total
7 014
-
14 808
-
Employer
36 312
-
62 487
-
unemployment
1 470
-
2 531
-
social contributions
108
-
188
-
health
2 541
-
4 374
-
pensions
5 967
-
10 267
-
other
1 254
-
2 155
-
total
11 340
-
19 515
-
Corporate
34 348
82 000
-
-
surtax
-
-
-
-
income
9 618
22 960
-
-
total
9 618
22 960
-
-
Dividends
24 730
59 040
-
-
surtax
-
-
-
-
social contributions
4 253
10 155
-
-
withholding
3 166
7 558
-
-
total
7 419
17 713
-
-
Income
82 000
82 000
82 000
82 000
Total tax
35 391
40 673
34 323
34 406
After tax
46 609
41 327
47 677
47 594
Living cost
29 298
29 298
29 298
29 298
Free-cash
17 311
12 029
18 379
18 296

Estimated living cost  is ₽29298 per week

₽16991
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2976
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽556
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8775
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽30365
₽33324
₽32505
₽29872
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
health
-
-
-
5 723
income
-
-
-
12 300
social contributions
-
-
-
11 317
total
-
-
-
29 340
Employee
32 227
-
82 000
-
income
5 375
-
11 481
-
social contributions
4 448
-
11 317
-
health
2 249
-
5 723
-
total
12 072
-
28 521
-
Employer
32 227
-
82 000
-
total
-
-
-
-
Corporate
49 773
82 000
-
-
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%.

2 489
4 100
-
-
total
2 489
4 100
-
-
Dividends
47 283
77 900
-
-
social contributions
6 526
10 750
-
-
withholding
7 092
11 685
-
-
health
3 301
5 438
-
-
total
16 919
27 873
-
-
Income
82 000
82 000
82 000
82 000
Total tax
31 480
31 973
28 521
29 340
After tax
50 520
50 027
53 479
52 660
Living cost
20 155
20 155
20 155
20 155
Free-cash
30 365
29 872
33 324
32 505

Estimated living cost  is ₽20155 per week

₽13488
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1243
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽464
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4958
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽11224
-₽6452
₽9515
₽12695
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
unemployment
-
-
-
5 830
surtax
-
-
-
188
pensions
-
-
-
15 169
health
-
-
-
6 273
income
-
-
-
11 205
chamber of commerce
-
-
-
328
total
-
-
-
38 993
Employee
47 501
37 879
63 528
-
other
474
379
635
-
income
5 408
2 794
10 000
-
pensions
4 865
3 878
6 506
-
unemployment
1 425
1 136
1 907
-
health
1 838
1 466
2 458
-
total
14 010
9 653
21 506
-
Employer
47 501
37 879
63 528
-
chamber of commerce
189
152
254
-
surtax
188
188
188
-
accident
617
492
826
-
payroll
1 425
1 136
1 907
-
unemployment
1 425
1 136
1 907
-
health
1 795
1 432
2 401
-
pensions
5 961
4 755
7 973
-
other
2 256
1 798
3 018
-
total
13 856
11 089
18 474
-
Corporate
20 642
33 032
59 920
-
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.

5 161
8 258
14 980
-
total
5 161
8 258
14 980
-
Dividends
15 482
24 775
-
-
withholding
4 257
6 813
-
-
total
4 257
6 813
-
-
Income
82 000
82 000
82 000
82 000
Total tax
37 284
35 813
54 960
38 993
After tax
44 716
46 187
27 040
43 007
Living cost
33 492
33 492
33 492
33 492
Free-cash
11 224
12 695
-6 452
9 515

Estimated living cost  is ₽33492 per week

₽22338
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2857
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.
₽7747
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽5780
-₽1905
₽5295
₽11381
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
national
-
-
-
25 767
communal

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

-
-
-
4 195
social contributions
-
-
-
12 087
total
-
-
-
42 049
Employee

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

67 989
-
63 510
-
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.

5 099
-
4 764
-
communal

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

3 546
-
3 312
-
national
20 903
-
19 149
-
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.

592
-
552
-
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.

3 194
-
2 985
-
total
33 334
-
30 762
-
Employer

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

67 989
-
63 510
-
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.

884
-
826
-
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.

992
-
927
-
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.

4 181
-
3 905
-
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.

6 024
-
5 628
-
surtax
7 709
-
7 201
-
total
19 790
-
18 487
-
Corporate
-
82 000
-
-
surtax
-
328
-
-
income
-
16 400
-
-
total
-
16 728
-
-
Dividends
-
65 272
-
-
withholding

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

-
19 235
-
-
total
-
19 235
-
-
Income
82 000
82 000
82 000
82 000
Total tax
53 124
35 963
49 249
42 049
After tax
28 876
46 037
32 751
39 951
Living cost
34 656
34 656
34 656
34 656
Free-cash
-5 780
11 381
-1 905
5 295

Estimated living cost  is ₽34656 per week

₽22323
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3030
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽543
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8761
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽13382
₽9745
₽9165
₽20953
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
unemployment
-
-
-
574
accident
-
-
-
738
pensions
-
-
-
23 205
income
-
-
-
13 911
other
-
-
-
81
total
-
-
-
38 509
Employee
47 313
-
62 177
-
other
47
-
61
-
income
9 983
-
14 160
-
pensions
2 224
-
2 922
-
unemployment
734
-
963
-
total
12 988
-
18 106
-
Employer
47 313
-
62 177
-
accident
936
-
1 232
-
unemployment
2 603
-
3 420
-
pensions
11 165
-
14 673
-
other
377
-
498
-
total
15 081
-
19 823
-
Corporate
19 606
82 000
-
-
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.

2 940
12 300
-
-
total
2 940
12 300
-
-
Dividends
16 666
69 700
-
-
withholding
3 283
14 421
-
-
total
3 283
14 421
-
-
Income
82 000
82 000
82 000
82 000
Total tax
34 292
26 721
37 929
38 509
After tax
47 708
55 279
44 071
43 491
Living cost
34 326
34 326
34 326
34 326
Free-cash
13 382
20 953
9 745
9 165

Estimated living cost  is ₽34326 per week

₽25278
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2435
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽494
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6118
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽6973
₽719
-₽3292
-₽1103
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
accident
-
-
-
691
surtax
-
-
-
4 066
pensions
-
-
-
12 291
communal
-
-
-
5 182
health
-
-
-
5 761
income
-
-
-
5 647
total
-
-
-
33 638
Employee
71 980
-
73 246
-
income
6 953
-
7 263
-
pensions
5 758
-
5 860
-
surtax
4 412
-
4 490
-
health
3 203
-
3 261
-
total
20 326
-
20 874
-
Employer
71 980
-
73 246
-
accident
648
-
658
-
health
2 195
-
2 235
-
pensions
5 758
-
5 860
-
total
8 601
-
8 753
-
Corporate
1 420
82 000
-
-
surtax
14
860
-
-
communal
-
5 536
-
-
income
213
12 300
-
-
total
227
18 696
-
-
Dividends
1 192
63 304
-
-
income
7 986
3 258
-
-
withholding
179
9 495
-
-
total
8 165
12 753
-
-
Income
82 000
82 000
82 000
82 000
Total tax
37 319
31 449
29 627
33 638
After tax
44 681
50 551
52 373
48 362
Living cost
51 654
51 654
51 654
51 654
Free-cash
-6 973
-1 103
719
-3 292

Estimated living cost  is ₽51654 per week

₽38748
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3129
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽547
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9228
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽27202
₽20609
₽22179
₽30229
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
unemployment
-
-
-
216
surtax
-
-
-
1 573
pensions
-
-
-
16 400
health
-
-
-
5 821
income
-
-
-
14 462
other
-
-
-
-
total
-
-
-
38 472
Employee
32 009
-
67 740
-
other
-
-
-
-
income
5 366
-
13 432
-
pensions
2 136
-
4 518
-
surtax
114
-
1 392
-
unemployment
2 228
-
4 715
-
health
817
-
1 726
-
total
10 661
-
25 783
-
Employer
32 009
-
67 740
-
unemployment
1 016
-
2 146
-
health
1 456
-
3 083
-
pensions
4 268
-
9 030
-
other
-
-
-
-
total
6 740
-
14 259
-
Corporate
43 252
82 000
-
-
income
11 246
21 320
-
-
total
11 246
21 320
-
-
Dividends
32 006
60 680
-
-
withholding
4 802
9 102
-
-
total
4 802
9 102
-
-
Income
82 000
82 000
82 000
82 000
Total tax
33 449
30 422
40 042
38 472
After tax
48 551
51 578
41 958
43 528
Living cost
21 349
21 349
21 349
21 349
Free-cash
27 202
30 229
20 609
22 179

Estimated living cost  is ₽21349 per week

₽12890
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1856
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽496
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6109
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽15386
₽13193
₽17074
₽17496
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
national
-
-
-
16 508
regional
-
-
-
1 236
municipal
-
-
-
487
social contributions
-
-
-
21 091
total
-
-
-
39 322
Employee
52 725
-
82 000
-
regional
710
-
1 103
-
national
8 353
-
14 015
-
social contributions
17 779
-
27 650
-
municipal
280
-
435
-
total
27 122
-
43 203
-
Employer
52 725
-
82 000
-
total
-
-
-
-
Corporate
29 275
82 000
-
-
nationa
7 026
19 681
-
-
municipal
1 456
4 075
-
-
total
8 482
23 756
-
-
Dividends
20 794
58 245
-
-
withholding
5 406
15 144
-
-
total
5 406
15 144
-
-
Income
82 000
82 000
82 000
82 000
Total tax
41 010
38 900
43 203
39 322
After tax
40 990
43 100
38 797
42 678
Living cost
25 604
25 604
25 604
25 604
Free-cash
15 386
17 496
13 193
17 074

Estimated living cost  is ₽25604 per week

₽15923
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2594
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽438
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6649
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽17145
₽12636
₽10962
₽27481
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
health
-
-
-
11 070
solidarity contribution
-
-
-
-
income
-
-
-
7 048
social contributions
-
-
-
23 944
total
-
-
-
42 062
Employee
42 611
-
61 194
-
solidarity contribution
-
-
-
-
income
5 113
-
7 343
-
social contributions
2 770
-
3 978
-
health
5 752
-
8 261
-
total
13 635
-
19 582
-
Employer
42 611
-
61 194
-
social contributions
10 653
-
15 299
-
health
3 835
-
5 507
-
total
14 488
-
20 806
-
Corporate
24 901
82 000
-
-
income
4 731
15 580
-
-
total
4 731
15 580
-
-
Dividends
20 170
66 420
-
-
withholding
3 025
9 963
-
-
total
3 025
9 963
-
-
Income
82 000
82 000
82 000
82 000
Total tax
35 879
25 543
40 388
42 062
After tax
46 121
56 457
41 612
39 938
Living cost
28 976
28 976
28 976
28 976
Free-cash
17 145
27 481
12 636
10 962

Estimated living cost  is ₽28976 per week

₽21548
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1605
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽501
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5321
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽15496
-₽3241
₽12871
₽15966
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
unemployment
-
-
-
5 830
surtax
-
-
-
-
pensions
-
-
-
15 169
health
-
-
-
6 273
income
-
-
-
11 205
chamber of commerce
-
-
-
328
total
-
-
-
38 805
Employee
41 549
37 879
63 676
-
other
415
379
637
-
income
3 701
2 794
10 043
-
pensions
4 255
3 878
6 521
-
unemployment
1 246
1 136
1 910
-
health
1 607
1 466
2 464
-
total
11 224
9 653
21 575
-
Employer
41 549
37 879
63 676
-
chamber of commerce
166
152
254
-
surtax
-
-
-
-
accident
539
492
828
-
payroll
1 246
1 136
1 910
-
unemployment
1 246
1 136
1 910
-
health
1 571
1 432
2 406
-
pensions
5 215
4 755
7 991
-
other
1 973
1 798
3 025
-
total
11 956
10 901
18 324
-
Corporate
28 494
33 220
60 068
-
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.

7 123
8 304
15 018
-
total
7 123
8 304
15 018
-
Dividends
21 371
24 915
-
-
withholding
5 877
6 852
-
-
total
5 877
6 852
-
-
Income
82 000
82 000
82 000
82 000
Total tax
36 180
35 710
54 917
38 805
After tax
45 820
46 290
27 083
43 195
Living cost
30 324
30 324
30 324
30 324
Free-cash
15 496
15 966
-3 241
12 871

Estimated living cost  is ₽30324 per week

₽18191
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3097
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽541
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8496
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽62406
₽52553
₽68133
₽64853
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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%.

-
-
-
82 000
microenterprise

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

-
-
-
820
total
-
-
-
820
Employee
16 309
-
82 000
-
income
3 262
-
16 400
-
total
3 262
-
16 400
-
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%.

65 691
82 000
-
-
total
-
-
-
-
Dividends
65 691
82 000
-
-
withholding
3 285
4 100
-
-
total
3 285
4 100
-
-
Income
82 000
82 000
82 000
82 000
Total tax
6 547
4 100
16 400
820
After tax
75 453
77 900
65 600
81 180
Living cost
13 047
13 047
13 047
13 047
Free-cash
62 406
64 853
52 553
68 133

Estimated living cost  is ₽13047 per week

₽8829
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽548
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽438
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3232
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽23014
₽15155
₽17504
₽30963
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
82 000
unemployment
-
-
-
123
pensions
-
-
-
14 975
health
-
-
-
8 068
income
-
-
-
15 836
total
-
-
-
39 002
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.

42 031
-
70 952
-
income
7 248
-
14 626
-
pensions
6 515
-
10 997
-
unemployment
60
-
99
-
health
2 715
-
4 583
-
total
16 538
-
30 305
-
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.

42 031
-
70 952
-
unemployment
25
-
43
-
health
2 799
-
4 724
-
pensions
3 719
-
6 279
-
total
6 543
-
11 046
-
Corporate
33 425
82 000
-
-
income
6 351
15 581
-
-
total
6 351
15 581
-
-
Dividends
27 074
66 419
-
-
withholding
4 060
9 962
-
-
total
4 060
9 962
-
-
Income
82 000
82 000
82 000
82 000
Total tax
33 492
25 543
41 351
39 002
After tax
48 508
56 457
40 649
42 998
Living cost
25 494
25 494
25 494
25 494
Free-cash
23 014
30 963
15 155
17 504

Estimated living cost  is ₽25494 per week

₽17496
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1634
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽494
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5871
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽71983
₽23854
₽12109
₽5329
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
income
-
-
-
15 983
social contributions
-
-
-
9 348
total
-
-
-
25 331
Employee
63 893
-
-
-
income
14 094
-
-
-
social contributions
5 239
-
747
-
total
19 333
-
747
-
Employer
63 893
-
-
-
social contributions
90 090
-
12 839
-
total
90 090
-
12 839
-
Corporate
-
82 000
-
-
income
-
18 040
-
-
total
-
18 040
-
-
Dividends
-
63 960
-
-
income
-
14 071
-
-
total
-
14 071
-
-
Income
82 000
82 000
82 000
82 000
Total tax
109 423
32 111
13 586
25 331
After tax
-27 423
49 889
68 414
56 669
Living cost
44 560
44 560
44 560
44 560
Free-cash
-71 983
5 329
23 854
12 109

Estimated living cost  is ₽44560 per week

₽28913
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4191
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽568
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10889
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽15870
₽12765
₽16434
₽16828
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
82 000
surtax
-
-
-
-
income
-
-
-
7 257
social contributions

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

-
-
-
28 495
total
-
-
-
35 752
Employee
43 715
-
66 262
-
income
9 093
-
16 394
-
surtax
-
-
-
-
social contributions
4 809
-
7 289
-
total
13 902
-
23 683
-
Employer
43 715
-
66 262
-
social contributions
10 382
-
15 738
-
total
10 382
-
15 738
-
Corporate
27 902
82 000
-
-
surtax
-
-
-
-
income
5 860
17 220
-
-
total
5 860
17 220
-
-
Dividends
22 042
64 780
-
-
withholding
6 172
18 138
-
-
total
6 172
18 138
-
-
Income
82 000
82 000
82 000
82 000
Total tax
36 316
35 358
39 421
35 752
After tax
45 684
46 642
42 579
46 248
Living cost
29 814
29 814
29 814
29 814
Free-cash
15 870
16 828
12 765
16 434

Estimated living cost  is ₽29814 per week

₽22307
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1759
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽498
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5251
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽1952
₽1769
₽1686
-₽4581
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
surtax
-
-
-
-
pensions
-
-
-
22 764
health
-
-
-
801
income
-
-
-
5 964
social contributions
-
-
-
2 336
other
-
-
-
2 541
total
-
-
-
34 406
Employee
59 531
-
62 487
-
income
5 194
-
5 961
-
pensions
6 733
-
7 067
-
surtax
-
-
-
-
social contributions
1 696
-
1 780
-
total
13 623
-
14 808
-
Employer
59 531
-
62 487
-
unemployment
2 412
-
2 531
-
social contributions
179
-
188
-
health
4 167
-
4 374
-
pensions
9 782
-
10 267
-
other
2 054
-
2 155
-
total
18 594
-
19 515
-
Corporate
3 876
82 000
-
-
surtax
-
-
-
-
income
1 086
22 960
-
-
total
1 086
22 960
-
-
Dividends
2 790
59 040
-
-
surtax
-
-
-
-
social contributions
480
10 155
-
-
withholding
357
7 558
-
-
total
837
17 713
-
-
Income
82 000
82 000
82 000
82 000
Total tax
34 140
40 673
34 323
34 406
After tax
47 860
41 327
47 677
47 594
Living cost
45 908
45 908
45 908
45 908
Free-cash
1 952
-4 581
1 769
1 686

Estimated living cost  is ₽45908 per week

₽31069
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3755
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽630
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10453
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽42036
₽36654
₽34356
₽45229
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
income
-
-
-
1 034
social contributions
-
-
-
18 039
total
-
-
-
19 073
Employee
30 557
-
70 995
-
income
-
-
1 154
-
social contributions
1 986
-
4 616
-
total
1 986
-
5 770
-
Employer
30 557
-
70 995
-
social contributions
4 737
-
11 005
-
total
4 737
-
11 005
-
Corporate
46 706
82 000
-
-
income
4 670
8 200
-
-
total
4 670
8 200
-
-
Dividends
42 036
73 800
-
-
total
-
-
-
-
Income
82 000
82 000
82 000
82 000
Total tax
11 393
8 200
16 775
19 073
After tax
70 607
73 800
65 225
62 927
Living cost
28 571
28 571
28 571
28 571
Free-cash
42 036
45 229
36 654
34 356

Estimated living cost  is ₽28571 per week

₽18474
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2154
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽538
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7406
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽124696
-₽124696
₽5767
-₽124696
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
national
-
-
-
8 501
pensions
-
-
-
822
municipal
-
-
-
14 727
labour market
-
-
-
6 494
total
-
-
-
30 544
Employee
192 841
192 841
192 841
-
labour market
15 405
15 405
15 405
-
pensions
274
274
274
-
national
23 559
23 559
23 559
-
municipal
41 064
41 064
41 064
-
total
80 302
80 302
80 302
-
Employer
192 841
192 841
192 841
-
labour market
15 427
15 427
15 427
-
national
23 600
23 600
23 600
-
municipal
41 130
41 130
41 130
-
pensions
548
548
548
-
total
80 705
80 705
80 705
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
82 000
82 000
82 000
82 000
Total tax
161 007
161 007
161 007
30 544
After tax
-79 007
-79 007
-79 007
51 456
Living cost
45 689
45 689
45 689
45 689
Free-cash
-124 696
-124 696
-124 696
5 767

Estimated living cost  is ₽45689 per week

₽31270
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4042
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽703
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9674
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽3538
₽21410
₽36117
-₽13593
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
accident
-
-
-
236
pensions
-
-
-
3 884
health
-
-
-
2 036
income
-
-
-
19 146
other
-
-
-
346
total
-
-
-
25 648
Employee
31 832
-
68 877
-
income
4 367
-
12 224
-
pensions
3 584
-
7 122
-
health
3 645
-
7 886
-
total
11 596
-
27 232
-
Employer
31 832
-
68 877
-
accident
532
-
1 150
-
unemployment
780
-
1 688
-
pensions
5 176
-
10 285
-
total
6 488
-
13 123
-
Corporate
43 681
82 000
-
-
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.

39 313
73 800
-
-
total
39 313
73 800
-
-
Dividends
4 368
8 200
-
-
withholding
830
1 558
-
-
total
830
1 558
-
-
Income
82 000
82 000
82 000
82 000
Total tax
58 227
75 358
40 355
25 648
After tax
23 773
6 642
41 645
56 352
Living cost
20 235
20 235
20 235
20 235
Free-cash
3 538
-13 593
21 410
36 117

Estimated living cost  is ₽20235 per week

₽14729
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1154
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽380
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3973
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽15609
₽11322
₽23196
₽19027
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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

-
-
-
82 000
national
-
-
-
6 841
health
-
-
-
866
municipal
-
-
-
14 605
total
-
-
-
22 312
Employee
50 007
-
68 982
-
pensions
3 375
-
4 655
-
national
826
-
3 541
-
unemployment
750
-
1 035
-
municipal
8 191
-
11 273
-
health
373
-
666
-
total
13 515
-
21 170
-
Employer
50 007
-
68 982
-
accident
51
-
69
-
unemployment
325
-
449
-
health
384
-
530
-
pensions
8 676
-
11 968
-
total
9 436
-
13 016
-
Corporate
22 557
82 000
-
-
income
4 511
16 400
-
-
total
4 511
16 400
-
-
Dividends

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

13 535
49 200
-
-
national
-
1 225
-
-
municipal
2 437
8 856
-
-
total
2 437
10 081
-
-
Income
82 000
82 000
82 000
82 000
Total tax
29 899
26 481
34 186
22 312
After tax
52 101
55 519
47 814
59 688
Living cost
36 492
36 492
36 492
36 492
Free-cash
15 609
19 027
11 322
23 196

Estimated living cost  is ₽36492 per week

₽23836
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3510
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽581
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8566
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽32920
₽37859
₽37944
₽38091
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
health
-
-
-
2 091
income
-
-
-
7 166
social contributions
-
-
-
12 792
total
-
-
-
22 049
Employee
73 088
73 088
74 442
-
income
7 958
6 766
7 130
-
social contributions
2 763
6 066
6 180
-
health
566
1 243
1 266
-
total
11 287
14 075
14 576
-
Employer
73 088
73 088
74 442
-
social contributions
2 763
6 066
6 180
-
health
615
1 353
1 378
-
total
3 378
7 419
7 558
-
Corporate
45 327
1 493
-
-
income
5 666
186
-
-
total
5 666
186
-
-
Dividends
39 662
1 307
-
-
withholding
6 742
222
-
-
total
6 742
222
-
-
Income
82 000
82 000
82 000
82 000
Total tax
27 073
21 902
22 134
22 049
After tax
54 927
60 098
59 866
59 951
Living cost
22 007
22 007
22 007
22 007
Free-cash
32 920
38 091
37 859
37 944

Estimated living cost  is ₽22007 per week

₽13189
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2159
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽487
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6172
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽47977
₽35531
₽49759
₽52815
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
82 000
unemployment
-
-
-
27
pensions
-
-
-
6 046
health
-
-
-
3 440
income
-
-
-
7 637
total
-
-
-
17 150
Employee

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

21 817
-
74 343
-
income
1 492
-
5 879
-
pensions
3 272
-
11 151
-
unemployment
108
-
372
-
health
1 854
-
6 319
-
total
6 726
-
23 721
-
Employer

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

21 817
-
74 343
-
unemployment
108
-
372
-
health
938
-
3 196
-
pensions
1 199
-
4 089
-
total
2 245
-
7 657
-
Corporate
57 937
82 000
-
-
income
5 215
7 379
-
-
total
5 215
7 379
-
-
Dividends
52 723
74 621
-
-
withholding
4 746
6 715
-
-
total
4 746
6 715
-
-
Income
82 000
82 000
82 000
82 000
Total tax
18 932
14 094
31 378
17 150
After tax
63 068
67 906
50 622
64 850
Living cost
15 091
15 091
15 091
15 091
Free-cash
47 977
52 815
35 531
49 759

Estimated living cost  is ₽15091 per week

₽9628
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1088
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽449
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3925
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽24156
₽17934
₽17354
₽29142
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
unemployment
-
-
-
574
accident
-
-
-
738
pensions
-
-
-
23 205
income
-
-
-
13 911
other
-
-
-
81
total
-
-
-
38 509
Employee
35 145
-
62 177
-
other
34
-
61
-
income
6 776
-
14 160
-
pensions
1 652
-
2 922
-
unemployment
545
-
963
-
total
9 007
-
18 106
-
Employer
35 145
-
62 177
-
accident
696
-
1 232
-
unemployment
1 934
-
3 420
-
pensions
8 294
-
14 673
-
other
281
-
498
-
total
11 205
-
19 823
-
Corporate
35 650
82 000
-
-
income

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

5 348
12 300
-
-
total
5 348
12 300
-
-
Dividends
30 302
69 700
-
-
withholding
6 147
14 421
-
-
total
6 147
14 421
-
-
Income
82 000
82 000
82 000
82 000
Total tax
31 707
26 721
37 929
38 509
After tax
50 293
55 279
44 071
43 491
Living cost
26 137
26 137
26 137
26 137
Free-cash
24 156
29 142
17 934
17 354

Estimated living cost  is ₽26137 per week

₽17642
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2513
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽458
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5525
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽49266
₽50591
₽50708
₽49535
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
pensions
-
-
-
1 191
health
-
-
-
864
income
-
-
-
27 604
total
-
-
-
29 659
Employee
2 487
-
80 660
-
income
481
-
27 542
-
pensions
224
-
536
-
unemployment
25
-
60
-
health
124
-
298
-
total
854
-
28 436
-
Employer
2 487
-
80 660
-
unemployment
50
-
119
-
health
236
-
566
-
pensions
274
-
655
-
total
560
-
1 340
-
Corporate
78 953
82 000
-
-
income
17 370
18 040
-
-
total
17 370
18 040
-
-
Dividends
61 583
63 960
-
-
withholding
12 317
12 792
-
-
total
12 317
12 792
-
-
Income
82 000
82 000
82 000
82 000
Total tax
31 101
30 832
29 776
29 659
After tax
50 899
51 168
52 224
52 341
Living cost
1 633
1 633
1 633
1 633
Free-cash
49 266
49 535
50 591
50 708

Estimated living cost  is ₽1633 per week

₽970
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽132
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽37
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽493
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽38172
₽25556
₽25420
₽42840
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
82 000
unemployment
-
-
-
1 052
pensions
-
-
-
18 227
health
-
-
-
7 221
income
-
-
-
13 675
total
-
-
-
40 175
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.

24 738
-
69 550
-
income
3 410
-
13 748
-
pensions
3 463
-
9 737
-
unemployment
186
-
522
-
health
1 274
-
3 582
-
total
8 333
-
27 589
-
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.

24 738
-
69 550
-
unemployment
186
-
522
-
health
1 274
-
3 582
-
pensions
2 969
-
8 346
-
total
4 429
-
12 450
-
Corporate
52 834
82 000
-
-
income
7 925
12 300
-
-
total
7 925
12 300
-
-
Dividends
44 909
69 700
-
-
withholding
6 736
10 455
-
-
total
6 736
10 455
-
-
Income
82 000
82 000
82 000
82 000
Total tax
27 423
22 755
40 039
40 175
After tax
54 577
59 245
41 961
41 825
Living cost
16 405
16 405
16 405
16 405
Free-cash
38 172
42 840
25 556
25 420

Estimated living cost  is ₽16405 per week

₽11046
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1269
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.
₽3616
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽20674
₽16954
₽20623
₽21017
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
82 000
surtax
-
-
-
-
income
-
-
-
7 257
social contributions

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

-
-
-
28 495
total
-
-
-
35 752
Employee
36 891
-
66 262
-
income
7 208
-
16 394
-
surtax
-
-
-
-
social contributions
4 058
-
7 289
-
total
11 266
-
23 683
-
Employer
36 891
-
66 262
-
social contributions
8 761
-
15 738
-
total
8 761
-
15 738
-
Corporate
36 348
82 000
-
-
surtax
-
-
-
-
income
7 633
17 220
-
-
total
7 633
17 220
-
-
Dividends
28 715
64 780
-
-
withholding
8 041
18 138
-
-
total
8 041
18 138
-
-
Income
82 000
82 000
82 000
82 000
Total tax
35 701
35 358
39 421
35 752
After tax
46 299
46 642
42 579
46 248
Living cost
25 625
25 625
25 625
25 625
Free-cash
20 674
21 017
16 954
20 623

Estimated living cost  is ₽25625 per week

₽18149
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1780
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽455
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5242
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽14624
₽10666
₽10086
₽21874
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
unemployment
-
-
-
574
accident
-
-
-
738
pensions
-
-
-
23 205
income
-
-
-
13 911
other
-
-
-
81
total
-
-
-
38 509
Employee
45 904
-
62 177
-
other
45
-
61
-
income
9 588
-
14 160
-
pensions
2 157
-
2 922
-
unemployment
711
-
963
-
total
12 501
-
18 106
-
Employer
45 904
-
62 177
-
accident
909
-
1 232
-
unemployment
2 525
-
3 420
-
pensions
10 833
-
14 673
-
other
368
-
498
-
total
14 635
-
19 823
-
Corporate
21 460
82 000
-
-
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.

3 220
12 300
-
-
total
3 220
12 300
-
-
Dividends
18 240
69 700
-
-
withholding
3 615
14 421
-
-
total
3 615
14 421
-
-
Income
82 000
82 000
82 000
82 000
Total tax
33 971
26 721
37 929
38 509
After tax
48 029
55 279
44 071
43 491
Living cost
33 405
33 405
33 405
33 405
Free-cash
14 624
21 874
10 666
10 086

Estimated living cost  is ₽33405 per week

₽23990
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2597
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.
₽6347
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽47247
₽45902
₽43666
₽53228
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
unemployment
-
-
-
137
pensions

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

-
-
-
5 073
health
-
-
-
3 942
income
-
-
-
12 300
total
-
-
-
21 452
Employee
22 354
-
75 275
-
income
2 236
-
7 527
-
pensions

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

1 962
-
3 010
-
accident

We are using the highest rate at 1.1%.

246
-
377
-
health
1 028
-
1 577
-
total
5 472
-
12 491
-
Employer
22 354
-
75 275
-
accident

We are using the highest rate at 1.1%.

246
-
377
-
unemployment
134
-
206
-
health
1 543
-
2 365
-
pensions

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

2 463
-
3 777
-
total
4 386
-
6 725
-
Corporate
55 260
82 000
-
-
income
5 526
8 200
-
-
total
5 526
8 200
-
-
Dividends
49 734
73 800
-
-
withholding
2 487
3 690
-
-
total
2 487
3 690
-
-
Income
82 000
82 000
82 000
82 000
Total tax
17 871
11 890
19 216
21 452
After tax
64 129
70 110
62 784
60 548
Living cost
16 882
16 882
16 882
16 882
Free-cash
47 247
53 228
45 902
43 666

Estimated living cost  is ₽16882 per week

₽11166
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽966
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽403
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4348
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽18080
₽23082
₽17656
₽5645
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
82 000
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.

-
-
-
821
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.

-
-
-
6 493
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.

-
-
-
14 908
trade
-
-
-
5 426
total
-
-
-
27 648
Employee

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

47 293
-
82 000
-
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.

3 889
-
14 908
-
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.

215
-
821
-
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.

6 493
-
6 493
-
total
10 597
-
22 222
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
34 707
82 000
-
-
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.

287
676
-
-
chamber of commerce
195
265
-
-
income
5 206
12 300
-
-
trade
4 980
11 768
-
-
total
10 668
25 009
-
-
Dividends
24 040
56 991
-
-
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.

310
763
-
-
withholding
5 649
13 887
-
-
total
5 959
14 650
-
-
Income
82 000
82 000
82 000
82 000
Total tax
27 224
39 659
22 222
27 648
After tax
54 776
42 341
59 778
54 352
Living cost
36 696
36 696
36 696
36 696
Free-cash
18 080
5 645
23 082
17 656

Estimated living cost  is ₽36696 per week

₽25314
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3948
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽532
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6901
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽5356
₽3749
₽3749
₽3254
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
income
-
-
-
17 089
social contributions
-
-
-
7 018
total
-
-
-
24 107
Employee
74 350
-
82 000
-
income
14 029
-
17 089
-
social contributions
6 177
-
7 018
-
total
20 206
-
24 107
-
Employer
74 350
-
82 000
-
total
-
-
-
-
Corporate
7 650
82 000
-
-
income
956
10 251
-
-
total
956
10 251
-
-
Dividends
6 694
71 749
-
-
withholding
1 338
14 351
-
-
total
1 338
14 351
-
-
Income
82 000
82 000
82 000
82 000
Total tax
22 500
24 602
24 107
24 107
After tax
59 500
57 398
57 893
57 893
Living cost
54 144
54 144
54 144
54 144
Free-cash
5 356
3 254
3 749
3 749

Estimated living cost  is ₽54144 per week

₽41192
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4412
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽518
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8023
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽18801
₽25517
₽14411
₽13776
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
82 000
health

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

-
-
-
6 030
income
-
-
-
27 056
total
-
-
-
33 086
Employee
43 603
-
77 628
-
income
4 731
-
13 236
-
social contributions
4 369
-
4 372
-
total
9 100
-
17 608
-
Employer
43 603
-
77 628
-
social contributions
4 369
-
4 372
-
total
4 369
-
4 372
-
Corporate
34 028
82 000
-
-
income
11 910
28 699
-
-
total
11 910
28 699
-
-
Dividends
22 118
53 301
-
-
social contributions
3 317
5 022
-
-
total
3 317
5 022
-
-
Income
82 000
82 000
82 000
82 000
Total tax
28 696
33 721
21 980
33 086
After tax
53 304
48 279
60 020
48 914
Living cost
34 503
34 503
34 503
34 503
Free-cash
18 801
13 776
25 517
14 411

Estimated living cost  is ₽34503 per week

₽22727
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2720
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽528
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8526
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽20192
₽16016
₽25178
₽25631
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
pensions
-
-
-
5 770
income
-
-
-
15 245
total
-
-
-
21 015
Employee
49 150
-
72 444
-
income
8 951
-
12 955
-
pensions
3 751
-
6 547
-
health
641
-
1 119
-
total
13 343
-
20 621
-
Employer
49 150
-
72 444
-
health
934
-
1 376
-
pensions
4 966
-
8 180
-
total
5 900
-
9 556
-
Corporate
26 950
82 000
-
-
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.

5 121
15 581
-
-
total
5 121
15 581
-
-
Dividends
21 830
66 419
-
-
withholding
1 637
4 981
-
-
total
1 637
4 981
-
-
Income
82 000
82 000
82 000
82 000
Total tax
26 001
20 562
30 177
21 015
After tax
55 999
61 438
51 823
60 985
Living cost
35 807
35 807
35 807
35 807
Free-cash
20 192
25 631
16 016
25 178

Estimated living cost  is ₽35807 per week

₽24563
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3293
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽448
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7501
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
₽3232
₽19406
₽34113
-₽15597
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
accident
-
-
-
236
pensions
-
-
-
3 884
health
-
-
-
2 036
income
-
-
-
19 146
other
-
-
-
346
total
-
-
-
25 648
Employee
34 983
-
68 877
-
income
4 799
-
12 224
-
pensions
3 939
-
7 122
-
health
4 005
-
7 886
-
total
12 743
-
27 232
-
Employer
34 983
-
68 877
-
accident
584
-
1 150
-
unemployment
857
-
1 688
-
pensions
5 688
-
10 285
-
total
7 129
-
13 123
-
Corporate
39 888
82 000
-
-
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.

35 899
73 800
-
-
total
35 899
73 800
-
-
Dividends
3 989
8 200
-
-
withholding
758
1 558
-
-
total
758
1 558
-
-
Income
82 000
82 000
82 000
82 000
Total tax
56 529
75 358
40 355
25 648
After tax
25 471
6 642
41 645
56 352
Living cost
22 239
22 239
22 239
22 239
Free-cash
3 232
-15 597
19 406
34 113

Estimated living cost  is ₽22239 per week

₽16321
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1296
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽448
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4174
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽52238
₽36029
₽34382
₽56860
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
82 000
unemployment
-
-
-
984
pensions
-
-
-
15 088
income
-
-
-
12 228
health insurance
-
-
-
6 068
work injury
-
-
-
410
total
-
-
-
34 778
Employee

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

20 544
-
82 000
-
income
2 054
-
12 228
-
pensions
3 780
-
13 986
-
health insurance
1 520
-
5 625
-
unemployment
247
-
912
-
work injury
103
-
380
-
total
7 704
-
33 131
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
61 456
82 000
-
-
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
61 456
82 000
-
-
withholding
9 218
12 300
-
-
total
9 218
12 300
-
-
Income
82 000
82 000
82 000
82 000
Total tax
16 922
12 300
33 131
34 778
After tax
65 078
69 700
48 869
47 222
Living cost
12 840
12 840
12 840
12 840
Free-cash
52 238
56 860
36 029
34 382

Estimated living cost  is ₽12840 per week

₽7955
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽933
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽401
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3552
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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

Close
Rome , Italy
₽1004
₽721
₽4470
₽5327
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
national
-
-
-
16 508
regional
-
-
-
1 518
municipal
-
-
-
548
social contributions
-
-
-
21 091
total
-
-
-
39 665
Employee
80 095
-
82 000
-
regional
1 209
-
1 260
-
national
13 535
-
14 015
-
social contributions
27 007
-
27 650
-
municipal
478
-
489
-
total
42 229
-
43 414
-
Employer
80 095
-
82 000
-
total
-
-
-
-
Corporate
1 905
82 000
-
-
nationa
458
19 681
-
-
municipal
92
3 952
-
-
total
550
23 633
-
-
Dividends
1 355
58 367
-
-
withholding
352
15 175
-
-
total
352
15 175
-
-
Income
82 000
82 000
82 000
82 000
Total tax
43 131
38 808
43 414
39 665
After tax
38 869
43 192
38 586
42 335
Living cost
37 865
37 865
37 865
37 865
Free-cash
1 004
5 327
721
4 470

Estimated living cost  is ₽37865 per week

₽26598
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2605
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽572
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8090
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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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