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
₽23247
₽31016
₽12746
₽25052
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
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.

-
-
-
6 485
trade
-
-
-
5 964
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.

-
-
-
14 926
surtax

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

-
-
-
821
total
-
-
-
28 196
Employee

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

36 307
-
82 000
-
health

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

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

6 485
-
6 485
-
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.

1 014
-
14 926
-
surtax

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

56
-
821
-
total
7 555
-
22 232
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
45 693
82 000
-
-
income
6 854
12 300
-
-
chamber of commerce
209
261
-
-
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.

376
677
-
-
trade
7 196
12 916
-
-
total
14 635
26 154
-
-
Dividends
31 057
55 846
-
-
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.

407
748
-
-
withholding
7 404
13 600
-
-
total
7 811
14 348
-
-
Income
82 000
82 000
82 000
82 000
Total tax
30 001
40 502
22 232
28 196
After tax
51 999
41 498
59 768
53 804
Living cost
28 752
28 752
28 752
28 752
Free-cash
23 247
12 746
31 016
25 052

Estimated living cost  is ₽28752 per week

₽18086
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3352
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽537
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6777
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽1259
₽1388
₽1928
₽745
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
social contributions
-
-
-
881
municipal
-
-
-
8 352
pensions
-
-
-
9 840
national
-
-
-
12 942
total
-
-
-
32 015
Employee
76 332
-
70 888
-
pensions
3 053
-
2 836
-
municipal
9 428
-
8 669
-
national
14 610
-
13 434
-
total
27 091
-
24 939
-
Employer
76 332
-
70 888
-
pensions
6 107
-
5 671
-
social contributions
821
-
762
-
total
6 928
-
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
34 019
30 832
31 372
32 015
After tax
47 981
51 168
50 628
49 985
Living cost
49 240
49 240
49 240
49 240
Free-cash
-1 259
1 928
1 388
745

Estimated living cost  is ₽49240 per week

₽33468
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4577
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽737
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10458
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽38064
₽26619
₽45852
₽24173
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
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
income
-
-
-
11 716
surtax
-
-
-
-
microenterprise
-
-
-
-
total
-
-
-
38 079
Employee
27 737
-
66 081
-
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.

3 052
-
7 269
-
income
4 938
-
12 445
-
surtax
-
-
-
-
total
7 990
-
19 714
-
Employer
27 737
-
66 081
-
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.

6 681
-
15 919
-
total
6 681
-
15 919
-
Corporate
47 581
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%.

9 517
16 400
-
-
total
9 517
16 400
-
-
Dividends

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

38 065
65 600
-
-
total
-
-
-
-
Income
82 000
82 000
82 000
82 000
Total tax
24 188
16 400
35 633
38 079
After tax
57 812
65 600
46 367
43 921
Living cost
19 748
19 748
19 748
19 748
Free-cash
38 064
45 852
26 619
24 173

Estimated living cost  is ₽19748 per week

₽12599
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1881
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽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.
₽4820
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽12262
-₽12262
-₽6934
₽6851
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
10 637
income
-
-
-
13 625
pensions
-
-
-
11 122
total
-
-
-
35 384
Employee
81 062
81 062
81 062
-
pensions
14 591
11 122
14 591
-
health
12 442
10 583
12 442
-
income

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

13 269
13 269
13 269
-
total
40 302
34 974
40 302
-
Employer
81 062
81 062
81 062
-
pensions
5 642
5 642
5 642
-
health
5 635
5 635
5 635
-
unemployment
2 918
2 918
2 918
-
total
14 195
14 195
14 195
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
82 000
82 000
82 000
82 000
Total tax
54 497
49 169
54 497
35 384
After tax
27 503
32 831
27 503
46 616
Living cost
39 765
39 765
39 765
39 765
Free-cash
-12 262
-6 934
-12 262
6 851

Estimated living cost  is ₽39765 per week

₽28181
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3585
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽632
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7368
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽5034
₽4925
₽5907
₽2011
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
164
health
-
-
-
5 117
municipal
-
-
-
17 369
pensions
-
-
-
8 864
other
-
-
-
9 528
unemployment
-
-
-
82
national
-
-
-
-
total
-
-
-
41 124
Employee
55 379
-
62 396
-
municipal
16 514
-
18 606
-
national
-
-
-
-
total
16 514
-
18 606
-
Employer
55 379
-
62 396
-
pensions
5 986
-
6 745
-
other
6 435
-
7 250
-
health
3 406
-
3 837
-
unemployment
1 462
-
1 647
-
accident
111
-
125
-
total
17 400
-
19 604
-
Corporate
9 221
82 000
-
-
income
2 029
18 040
-
-
total
2 029
18 040
-
-
Dividends
7 192
63 960
-
-
withholding
2 158
19 188
-
-
total
2 158
19 188
-
-
Income
82 000
82 000
82 000
82 000
Total tax
38 101
37 228
38 210
41 124
After tax
43 899
44 772
43 790
40 876
Living cost
38 865
38 865
38 865
38 865
Free-cash
5 034
5 907
4 925
2 011

Estimated living cost  is ₽38865 per week

₽25758
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3814
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽590
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8703
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽17121
₽22478
₽3785
₽16249
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
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.

-
-
-
6 485
trade
-
-
-
6 229
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.

-
-
-
14 926
surtax

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

-
-
-
821
total
-
-
-
28 461
Employee

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

48 138
-
82 000
-
health

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

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

6 485
-
6 485
-
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.

4 136
-
14 926
-
surtax

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

227
-
821
-
total
10 848
-
22 232
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
33 862
82 000
-
-
income
5 080
12 300
-
-
chamber of commerce
193
261
-
-
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.

279
677
-
-
trade
5 570
13 489
-
-
total
11 122
26 727
-
-
Dividends
22 740
55 273
-
-
surtax

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

294
740
-
-
withholding
5 325
13 458
-
-
total
5 619
14 198
-
-
Income
82 000
82 000
82 000
82 000
Total tax
27 589
40 925
22 232
28 461
After tax
54 411
41 075
59 768
53 539
Living cost
37 290
37 290
37 290
37 290
Free-cash
17 121
3 785
22 478
16 249

Estimated living cost  is ₽37290 per week

₽24940
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3932
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.
₽7861
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽25371
₽29061
₽29308
₽29144
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
social contributions
-
-
-
12 792
health
-
-
-
2 091
income
-
-
-
7 184
total
-
-
-
22 067
Employee
72 992
72 992
74 443
-
health
726
1 241
1 266
-
social contributions
3 547
6 058
6 179
-
income
7 665
6 757
7 148
-
total
11 938
14 056
14 593
-
Employer
72 992
72 992
74 443
-
health
791
1 351
1 378
-
social contributions
3 547
6 058
6 179
-
total
4 338
7 409
7 557
-
Corporate
34 936
1 598
-
-
income
4 367
200
-
-
total
4 367
200
-
-
Dividends
30 569
1 399
-
-
withholding
5 197
238
-
-
total
5 197
238
-
-
Income
82 000
82 000
82 000
82 000
Total tax
25 840
21 903
22 150
22 067
After tax
56 160
60 097
59 850
59 933
Living cost
30 789
30 789
30 789
30 789
Free-cash
25 371
29 308
29 061
29 144

Estimated living cost  is ₽30789 per week

₽21047
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2405
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽517
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6820
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽29038
₽29959
₽28673
₽39228
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
5 740
income
-
-
-
10 025
pensions
-
-
-
8 200
unemployment
-
-
-
1 230
total
-
-
-
25 195
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.

25 372
10 098
68 619
-
unemployment
381
151
1 029
-
pensions
2 537
1 010
6 862
-
health
1 776
707
4 803
-
income
3 102
1 234
8 389
-
total
7 796
3 102
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.

25 372
10 098
68 619
-
pensions
4 948
1 969
13 381
-
total
4 948
1 969
13 381
-
Corporate
51 680
69 933
-
-
income
4 651
6 294
-
-
total
4 651
6 294
-
-
Dividends
47 029
63 639
-
-
social contributions
9 055
12 294
-
-
withholding
8 935
12 091
-
-
total
17 990
24 385
-
-
Income
82 000
82 000
82 000
82 000
Total tax
35 385
35 750
34 464
25 195
After tax
46 615
46 250
47 536
56 805
Living cost
17 577
17 577
17 577
17 577
Free-cash
29 038
28 673
29 959
39 228

Estimated living cost  is ₽17577 per week

₽11995
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1438
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽351
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3793
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽36774
₽24336
₽42672
₽21023
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
10 661
income
-
-
-
10 988
pensions
-
-
-
16 400
total
-
-
-
38 049
Employee
26 929
-
61 286
-
unemployment
431
-
980
-
pensions
539
-
1 225
-
income
3 032
-
11 817
-
total
4 002
-
14 022
-
Employer
26 929
-
61 286
-
pensions
5 386
-
12 257
-
health
3 500
-
7 967
-
unemployment
216
-
490
-
total
9 102
-
20 714
-
Corporate
45 969
82 000
-
-
income
9 194
16 400
-
-
total
9 194
16 400
-
-
Dividends
36 775
65 600
-
-
total
-
-
-
-
Income
82 000
82 000
82 000
82 000
Total tax
22 298
16 400
34 736
38 049
After tax
59 702
65 600
47 264
43 951
Living cost
22 928
22 928
22 928
22 928
Free-cash
36 774
42 672
24 336
21 023

Estimated living cost  is ₽22928 per week

₽15726
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1365
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.
₽5375
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽3399
₽20337
-₽14498
₽35229
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
243
health
-
-
-
2 096
income
-
-
-
18 938
pensions
-
-
-
3 998
other
-
-
-
356
total
-
-
-
25 631
Employee
33 254
-
68 588
-
pensions
3 745
-
7 331
-
health
3 808
-
7 853
-
income
4 562
-
11 928
-
total
12 115
-
27 112
-
Employer
33 254
-
68 588
-
pensions
5 407
-
10 586
-
unemployment
815
-
1 680
-
accident
555
-
1 145
-
total
6 777
-
13 411
-
Corporate
41 969
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.

37 772
73 800
-
-
total
37 772
73 800
-
-
Dividends
4 197
8 200
-
-
withholding
797
1 558
-
-
total
797
1 558
-
-
Income
82 000
82 000
82 000
82 000
Total tax
57 461
75 358
40 523
25 631
After tax
24 539
6 642
41 477
56 369
Living cost
21 140
21 140
21 140
21 140
Free-cash
3 399
-14 498
20 337
35 229

Estimated living cost  is ₽21140 per week

₽15494
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1171
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽441
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4034
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽68604
₽57772
₽70072
₽73352
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
9 785
-
82 000
-
income
1 957
-
16 400
-
total
1 957
-
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%.

72 215
82 000
-
-
total
-
-
-
-
Dividends
72 215
82 000
-
-
withholding
3 611
4 100
-
-
total
3 611
4 100
-
-
Income
82 000
82 000
82 000
82 000
Total tax
5 568
4 100
16 400
820
After tax
76 432
77 900
65 600
81 180
Living cost
7 828
7 828
7 828
7 828
Free-cash
68 604
70 072
57 772
73 352

Estimated living cost  is ₽7828 per week

₽4851
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽651
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽215
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2111
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽28539
₽22768
₽34953
₽19107
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
3 608
income
-
-
-
10 416
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.

-
-
-
19 680
other
-
-
-
3 895
total
-
-
-
37 599
Employee
34 466
-
65 494
-
unemployment
344
-
656
-
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.

2 412
-
4 584
-
health
483
-
917
-
income
5 934
-
11 275
-
total
9 173
-
17 432
-
Employer
34 466
-
65 494
-
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.

5 860
-
11 134
-
other
1 724
-
3 275
-
health
483
-
917
-
unemployment
344
-
656
-
accident
276
-
524
-
total
8 687
-
16 506
-
Corporate
38 848
82 000
-
-
income
8 158
17 219
-
-
total
8 158
17 219
-
-
Dividends
30 689
64 781
-
-
withholding
2 149
4 534
-
-
total
2 149
4 534
-
-
Income
82 000
82 000
82 000
82 000
Total tax
28 167
21 753
33 938
37 599
After tax
53 833
60 247
48 062
44 401
Living cost
25 294
25 294
25 294
25 294
Free-cash
28 539
34 953
22 768
19 107

Estimated living cost  is ₽25294 per week

₽17871
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1708
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽407
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5307
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽17935
-₽10411
-₽679
-₽1182
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
15 233
pensions
-
-
-
5 830
total
-
-
-
21 063
Employee
87 890
-
72 388
-
pensions
8 479
-
6 620
-
health
1 448
-
1 131
-
income
15 843
-
12 928
-
total
25 770
-
20 679
-
Employer
87 890
-
72 388
-
pensions
10 377
-
8 238
-
health
1 669
-
1 375
-
total
12 046
-
9 613
-
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.

-
15 579
-
-
total
-
15 579
-
-
Dividends
-
66 421
-
-
withholding
-
4 981
-
-
total
-
4 981
-
-
Income
82 000
82 000
82 000
82 000
Total tax
37 816
20 560
30 292
21 063
After tax
44 184
61 440
51 708
60 937
Living cost
62 119
62 119
62 119
62 119
Free-cash
-17 935
-679
-10 411
-1 182

Estimated living cost  is ₽62119 per week

₽46547
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽7299
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽505
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7769
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
₽53256
₽50699
₽57665
₽48402
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
3 813
income
-
-
-
12 300
pensions

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

-
-
-
4 907
unemployment
-
-
-
133
total
-
-
-
21 153
Employee
16 479
-
75 495
-
accident

We are using the highest rate at 1.1%.

181
-
365
-
pensions

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

1 447
-
2 911
-
health
758
-
1 525
-
income
1 648
-
7 549
-
total
4 034
-
12 350
-
Employer
16 479
-
75 495
-
pensions

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

1 816
-
3 654
-
health
1 137
-
2 288
-
unemployment
99
-
199
-
accident

We are using the highest rate at 1.1%.

181
-
365
-
total
3 233
-
6 506
-
Corporate
62 287
82 000
-
-
income
6 229
8 200
-
-
total
6 229
8 200
-
-
Dividends
56 058
73 800
-
-
withholding
2 803
3 690
-
-
total
2 803
3 690
-
-
Income
82 000
82 000
82 000
82 000
Total tax
16 299
11 890
18 856
21 153
After tax
65 701
70 110
63 144
60 847
Living cost
12 445
12 445
12 445
12 445
Free-cash
53 256
57 665
50 699
48 402

Estimated living cost  is ₽12445 per week

₽7266
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽889
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽330
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3961
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽21417
-₽25134
-₽19806
-₽6021
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
10 637
income
-
-
-
13 625
pensions
-
-
-
11 122
total
-
-
-
35 384
Employee
88 007
81 062
81 062
-
pensions
11 122
11 122
14 591
-
health
10 979
10 583
12 442
-
income

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

13 269
13 269
13 269
-
total
35 370
34 974
40 302
-
Employer
88 007
81 062
81 062
-
pensions
6 125
5 642
5 642
-
health
6 116
5 635
5 635
-
unemployment
3 169
2 918
2 918
-
total
15 410
14 195
14 195
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
82 000
82 000
82 000
82 000
Total tax
50 780
49 169
54 497
35 384
After tax
31 220
32 831
27 503
46 616
Living cost
52 637
52 637
52 637
52 637
Free-cash
-21 417
-19 806
-25 134
-6 021

Estimated living cost  is ₽52637 per week

₽38829
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4702
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽603
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8504
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽24466
₽18032
₽32877
₽16358
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
social contributions
-
-
-
23 944
health
-
-
-
11 070
income
-
-
-
7 048
solidarity contribution
-
-
-
-
total
-
-
-
42 062
Employee
34 676
-
61 194
-
solidarity contribution
-
-
-
-
health
4 681
-
8 261
-
social contributions
2 254
-
3 978
-
income
4 161
-
7 343
-
total
11 096
-
19 582
-
Employer
34 676
-
61 194
-
health
3 121
-
5 507
-
social contributions
8 669
-
15 299
-
total
11 790
-
20 806
-
Corporate
35 534
82 000
-
-
income
6 751
15 580
-
-
total
6 751
15 580
-
-
Dividends
28 782
66 420
-
-
withholding
4 317
9 963
-
-
total
4 317
9 963
-
-
Income
82 000
82 000
82 000
82 000
Total tax
33 954
25 543
40 388
42 062
After tax
48 046
56 457
41 612
39 938
Living cost
23 580
23 580
23 580
23 580
Free-cash
24 466
32 877
18 032
16 358

Estimated living cost  is ₽23580 per week

₽16379
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1677
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.
₽5060
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽2363
-₽933
₽3697
₽2968
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
social contributions
-
-
-
21 090
municipal
-
-
-
488
regional
-
-
-
882
national
-
-
-
16 517
total
-
-
-
38 977
Employee
84 363
-
82 000
-
regional
796
-
769
-
municipal
447
-
434
-
national
14 618
-
14 024
-
social contributions
28 447
-
27 651
-
total
44 308
-
42 878
-
Employer
84 363
-
82 000
-
total
-
-
-
-
Corporate
-
82 000
-
-
municipal
-
3 197
-
-
nationa
-
19 680
-
-
total
-
22 877
-
-
Dividends
-
59 123
-
-
withholding
-
15 371
-
-
total
-
15 371
-
-
Income
82 000
82 000
82 000
82 000
Total tax
44 308
38 248
42 878
38 977
After tax
37 692
43 752
39 122
43 023
Living cost
40 055
40 055
40 055
40 055
Free-cash
-2 363
3 697
-933
2 968

Estimated living cost  is ₽40055 per week

₽27921
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2626
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽614
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8892
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽27676
₽20994
₽30632
₽22567
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
5 822
income
-
-
-
14 472
surtax
-
-
-
1 576
pensions
-
-
-
16 400
other
-
-
-
-
unemployment
-
-
-
216
total
-
-
-
38 486
Employee
31 391
-
67 740
-
unemployment
2 185
-
4 714
-
pensions
2 093
-
4 518
-
health
802
-
1 728
-
income
5 262
-
13 444
-
other
-
-
-
-
surtax
103
-
1 396
-
total
10 445
-
25 800
-
Employer
31 391
-
67 740
-
pensions
4 185
-
9 030
-
other
-
-
-
-
health
1 428
-
3 082
-
unemployment
994
-
2 147
-
total
6 607
-
14 259
-
Corporate
44 002
82 000
-
-
income
11 441
21 319
-
-
total
11 441
21 319
-
-
Dividends
32 561
60 681
-
-
withholding
4 884
9 102
-
-
total
4 884
9 102
-
-
Income
82 000
82 000
82 000
82 000
Total tax
33 377
30 421
40 059
38 486
After tax
48 623
51 579
41 941
43 514
Living cost
20 947
20 947
20 947
20 947
Free-cash
27 676
30 632
20 994
22 567

Estimated living cost  is ₽20947 per week

₽12808
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1933
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.
₽5723
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽11694
₽9270
₽19002
₽18499
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
15 233
pensions
-
-
-
5 830
total
-
-
-
21 063
Employee
58 901
-
72 388
-
pensions
4 999
-
6 620
-
health
855
-
1 131
-
income
10 608
-
12 928
-
total
16 462
-
20 679
-
Employer
58 901
-
72 388
-
pensions
6 376
-
8 238
-
health
1 119
-
1 375
-
total
7 495
-
9 613
-
Corporate
15 604
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.

2 964
15 579
-
-
total
2 964
15 579
-
-
Dividends
12 640
66 421
-
-
withholding
947
4 981
-
-
total
947
4 981
-
-
Income
82 000
82 000
82 000
82 000
Total tax
27 868
20 560
30 292
21 063
After tax
54 132
61 440
51 708
60 937
Living cost
42 438
42 438
42 438
42 438
Free-cash
11 694
19 002
9 270
18 499

Estimated living cost  is ₽42438 per week

₽31795
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3181
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽444
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7018
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽14479
-₽10575
-₽37775
-₽6387
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
246
pensions
-
-
-
7 544
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.

-
-
-
1 639
regional
-
-
-
2 467
city
-
-
-
864
national
-
-
-
355
total
-
-
-
13 115
Employee
88 087
-
73 393
-
unemployment
-
-
-
-
pensions
7 401
-
6 165
-
regional
2 884
-
2 088
-
national
417
-
301
-
health
199
-
164
-
city
945
-
789
-
total
11 846
-
9 507
-
Employer
88 087
-
73 393
-
pensions
7 401
-
6 165
-
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.

1 761
-
1 467
-
health
199
-
164
-
unemployment
-
-
-
-
total
9 361
-
7 796
-
Corporate
-
82 000
-
-
regional
-
17 343
-
-
national
-
6 969
-
-
total
-
24 312
-
-
Dividends
-
57 687
-
-
withholding
-
20 191
-
-
total
-
20 191
-
-
Income
82 000
82 000
82 000
82 000
Total tax
21 207
44 503
17 303
13 115
After tax
60 793
37 497
64 697
68 885
Living cost
75 272
75 272
75 272
75 272
Free-cash
-14 479
-37 775
-10 575
-6 387

Estimated living cost  is ₽75272 per week

₽48948
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6755
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽924
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽18644
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
₽12564
₽16283
-₽2831
₽9789
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
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.

-
-
-
6 485
trade
-
-
-
6 494
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.

-
-
-
14 926
surtax

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

-
-
-
821
total
-
-
-
28 726
Employee

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

57 048
-
82 000
-
health

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

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

6 485
-
6 485
-
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.

6 708
-
14 926
-
surtax

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

369
-
821
-
total
13 562
-
22 232
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
24 952
82 000
-
-
income
3 743
12 300
-
-
chamber of commerce
178
259
-
-
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.

205
677
-
-
trade
4 280
14 063
-
-
total
8 406
27 299
-
-
Dividends
16 545
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
733
-
-
withholding
3 776
13 314
-
-
total
3 983
14 047
-
-
Income
82 000
82 000
82 000
82 000
Total tax
25 951
41 346
22 232
28 726
After tax
56 049
40 654
59 768
53 274
Living cost
43 485
43 485
43 485
43 485
Free-cash
12 564
-2 831
16 283
9 789

Estimated living cost  is ₽43485 per week

₽31760
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3478
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.
₽7683
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽14460
₽15189
₽8852
₽15113
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
social contributions
-
-
-
2 336
health
-
-
-
807
income
-
-
-
5 982
surtax
-
-
-
-
pensions
-
-
-
22 743
other
-
-
-
2 542
total
-
-
-
34 410
Employee
40 626
-
62 486
-
pensions
4 593
-
7 067
-
social contributions
1 158
-
1 780
-
income
2 398
-
5 973
-
surtax
-
-
-
-
total
8 149
-
14 820
-
Employer
40 626
-
62 486
-
pensions
6 674
-
10 266
-
other
1 401
-
2 156
-
health
2 844
-
4 374
-
unemployment
1 645
-
2 531
-
social contributions
122
-
187
-
total
12 686
-
19 514
-
Corporate
28 687
82 000
-
-
income
8 032
22 960
-
-
surtax
-
-
-
-
total
8 032
22 960
-
-
Dividends
20 654
59 040
-
-
surtax
-
-
-
-
social contributions
3 552
10 154
-
-
withholding
2 644
7 557
-
-
total
6 196
17 711
-
-
Income
82 000
82 000
82 000
82 000
Total tax
35 063
40 671
34 334
34 410
After tax
46 937
41 329
47 666
47 590
Living cost
32 477
32 477
32 477
32 477
Free-cash
14 460
8 852
15 189
15 113

Estimated living cost  is ₽32477 per week

₽20478
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2641
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽553
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8807
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽17344
₽18407
₽12070
₽18331
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
social contributions
-
-
-
2 336
health
-
-
-
807
income
-
-
-
5 982
surtax
-
-
-
-
pensions
-
-
-
22 743
other
-
-
-
2 542
total
-
-
-
34 410
Employee
36 265
-
62 486
-
pensions
4 102
-
7 067
-
social contributions
1 034
-
1 780
-
income
1 870
-
5 973
-
surtax
-
-
-
-
total
7 006
-
14 820
-
Employer
36 265
-
62 486
-
pensions
5 959
-
10 266
-
other
1 252
-
2 156
-
health
2 538
-
4 374
-
unemployment
1 468
-
2 531
-
social contributions
108
-
187
-
total
11 325
-
19 514
-
Corporate
34 410
82 000
-
-
income
9 636
22 960
-
-
surtax
-
-
-
-
total
9 636
22 960
-
-
Dividends
24 775
59 040
-
-
surtax
-
-
-
-
social contributions
4 260
10 154
-
-
withholding
3 170
7 557
-
-
total
7 430
17 711
-
-
Income
82 000
82 000
82 000
82 000
Total tax
35 397
40 671
34 334
34 410
After tax
46 603
41 329
47 666
47 590
Living cost
29 259
29 259
29 259
29 259
Free-cash
17 344
12 070
18 407
18 331

Estimated living cost  is ₽29259 per week

₽16969
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2972
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽555
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8764
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽30392
₽33346
₽29898
₽32533
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
social contributions
-
-
-
11 316
health
-
-
-
5 723
income
-
-
-
12 300
total
-
-
-
29 339
Employee
32 185
-
82 000
-
health
2 246
-
5 723
-
social contributions
4 442
-
11 316
-
income
5 368
-
11 487
-
total
12 056
-
28 526
-
Employer
32 185
-
82 000
-
total
-
-
-
-
Corporate
49 815
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%.

2 491
4 100
-
-
total
2 491
4 100
-
-
Dividends
47 324
77 900
-
-
health
3 304
5 437
-
-
social contributions
6 530
10 751
-
-
withholding
7 099
11 686
-
-
total
16 933
27 874
-
-
Income
82 000
82 000
82 000
82 000
Total tax
31 480
31 974
28 526
29 339
After tax
50 520
50 026
53 474
52 661
Living cost
20 128
20 128
20 128
20 128
Free-cash
30 392
29 898
33 346
32 533

Estimated living cost  is ₽20128 per week

₽13471
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1241
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽463
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4952
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽11266
-₽6417
₽12738
₽9521
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
6 272
surtax
-
-
-
187
income
-
-
-
11 253
chamber of commerce
-
-
-
328
pensions
-
-
-
15 169
unemployment
-
-
-
5 822
total
-
-
-
39 031
Employee
47 439
37 829
63 531
-
unemployment
1 423
1 135
1 906
-
pensions
4 858
3 873
6 505
-
health
1 836
1 465
2 459
-
income
5 401
2 790
10 012
-
other
474
378
636
-
total
13 992
9 641
21 518
-
Employer
47 439
37 829
63 531
-
chamber of commerce
189
151
254
-
pensions
5 954
4 748
7 973
-
other
2 254
1 796
3 017
-
health
1 792
1 430
2 401
-
unemployment
1 423
1 135
1 906
-
accident
616
492
825
-
surtax
187
187
187
-
payroll
1 423
1 135
1 906
-
total
13 838
11 074
18 469
-
Corporate
20 723
33 096
59 928
-
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.

5 181
8 274
14 982
-
total
5 181
8 274
14 982
-
Dividends
15 542
24 823
-
-
withholding
4 275
6 825
-
-
total
4 275
6 825
-
-
Income
82 000
82 000
82 000
82 000
Total tax
37 286
35 814
54 969
39 031
After tax
44 714
46 186
27 031
42 969
Living cost
33 448
33 448
33 448
33 448
Free-cash
11 266
12 738
-6 417
9 521

Estimated living cost  is ₽33448 per week

₽22308
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2853
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽549
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7737
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽5666
-₽1873
₽11426
₽5330
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
social contributions
-
-
-
12 094
communal

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

-
-
-
4 194
national
-
-
-
25 771
total
-
-
-
42 059
Employee

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

67 900
-
63 509
-
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.

591
-
553
-
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.

5 092
-
4 763
-
national
20 875
-
19 157
-
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.

3 190
-
2 985
-
communal

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

3 541
-
3 313
-
total
33 289
-
30 771
-
Employer

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

67 900
-
63 509
-
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.

6 017
-
5 627
-
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.

4 176
-
3 907
-
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.

991
-
928
-
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.

883
-
827
-
surtax
7 699
-
7 202
-
total
19 766
-
18 491
-
Corporate
-
82 000
-
-
income
-
16 400
-
-
surtax
-
328
-
-
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
53 055
35 963
49 262
42 059
After tax
28 945
46 037
32 738
39 941
Living cost
34 611
34 611
34 611
34 611
Free-cash
-5 666
11 426
-1 873
5 330

Estimated living cost  is ₽34611 per week

₽22294
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3026
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽542
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8749
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽13438
₽9785
₽20999
₽9202
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
739
income
-
-
-
13 915
pensions
-
-
-
23 205
other
-
-
-
83
unemployment
-
-
-
575
total
-
-
-
38 517
Employee
47 251
-
62 179
-
unemployment
733
-
964
-
pensions
2 221
-
2 922
-
income
9 970
-
14 165
-
other
47
-
63
-
total
12 971
-
18 114
-
Employer
47 251
-
62 179
-
pensions
11 150
-
14 674
-
other
376
-
497
-
unemployment
2 599
-
3 419
-
accident
935
-
1 230
-
total
15 060
-
19 820
-
Corporate
19 688
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.

2 952
12 300
-
-
total
2 952
12 300
-
-
Dividends
16 735
69 700
-
-
withholding
3 298
14 420
-
-
total
3 298
14 420
-
-
Income
82 000
82 000
82 000
82 000
Total tax
34 281
26 720
37 934
38 517
After tax
47 719
55 280
44 066
43 483
Living cost
34 281
34 281
34 281
34 281
Free-cash
13 438
20 999
9 785
9 202

Estimated living cost  is ₽34281 per week

₽25244
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2432
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.
₽6110
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽6905
₽773
-₽1041
-₽3236
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
692
health
-
-
-
5 761
income
-
-
-
5 657
surtax
-
-
-
4 066
pensions
-
-
-
12 291
communal
-
-
-
5 183
total
-
-
-
33 650
Employee
71 886
-
73 245
-
pensions
5 750
-
5 860
-
health
3 199
-
3 260
-
income
6 943
-
7 277
-
surtax
4 406
-
4 489
-
total
20 298
-
20 886
-
Employer
71 886
-
73 245
-
pensions
5 750
-
5 860
-
health
2 192
-
2 236
-
accident
647
-
659
-
total
8 589
-
8 755
-
Corporate
1 525
82 000
-
-
income
229
12 300
-
-
communal
-
5 536
-
-
surtax
16
861
-
-
total
245
18 697
-
-
Dividends
1 280
63 304
-
-
income
7 994
3 263
-
-
withholding
193
9 495
-
-
total
8 187
12 758
-
-
Income
82 000
82 000
82 000
82 000
Total tax
37 319
31 455
29 641
33 650
After tax
44 681
50 545
52 359
48 350
Living cost
51 586
51 586
51 586
51 586
Free-cash
-6 905
-1 041
773
-3 236

Estimated living cost  is ₽51586 per week

₽38697
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3125
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽546
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9216
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽27238
₽20620
₽30258
₽22193
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
5 822
income
-
-
-
14 472
surtax
-
-
-
1 576
pensions
-
-
-
16 400
other
-
-
-
-
unemployment
-
-
-
216
total
-
-
-
38 486
Employee
31 967
-
67 740
-
unemployment
2 225
-
4 714
-
pensions
2 133
-
4 518
-
health
816
-
1 728
-
income
5 359
-
13 444
-
other
-
-
-
-
surtax
113
-
1 396
-
total
10 646
-
25 800
-
Employer
31 967
-
67 740
-
pensions
4 262
-
9 030
-
other
-
-
-
-
health
1 454
-
3 082
-
unemployment
1 014
-
2 147
-
total
6 730
-
14 259
-
Corporate
43 303
82 000
-
-
income
11 259
21 319
-
-
total
11 259
21 319
-
-
Dividends
32 044
60 681
-
-
withholding
4 806
9 102
-
-
total
4 806
9 102
-
-
Income
82 000
82 000
82 000
82 000
Total tax
33 441
30 421
40 059
38 486
After tax
48 559
51 579
41 941
43 514
Living cost
21 321
21 321
21 321
21 321
Free-cash
27 238
30 258
20 620
22 193

Estimated living cost  is ₽21321 per week

₽12873
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1854
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽495
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6101
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽15422
₽13217
₽17530
₽17098
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
social contributions
-
-
-
21 090
municipal
-
-
-
488
regional
-
-
-
1 236
national
-
-
-
16 517
total
-
-
-
39 331
Employee
52 656
-
82 000
-
regional
709
-
1 103
-
municipal
279
-
434
-
national
8 342
-
14 024
-
social contributions
17 756
-
27 651
-
total
27 086
-
43 212
-
Employer
52 656
-
82 000
-
total
-
-
-
-
Corporate
29 344
82 000
-
-
municipal
1 459
4 075
-
-
nationa
7 043
19 680
-
-
total
8 502
23 755
-
-
Dividends
20 841
58 245
-
-
withholding
5 419
15 144
-
-
total
5 419
15 144
-
-
Income
82 000
82 000
82 000
82 000
Total tax
41 007
38 899
43 212
39 331
After tax
40 993
43 101
38 788
42 669
Living cost
25 571
25 571
25 571
25 571
Free-cash
15 422
17 530
13 217
17 098

Estimated living cost  is ₽25571 per week

₽15903
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2590
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.
₽6640
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽17033
₽12555
₽27400
₽10881
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
social contributions
-
-
-
23 944
health
-
-
-
11 070
income
-
-
-
7 048
solidarity contribution
-
-
-
-
total
-
-
-
42 062
Employee
42 730
-
61 194
-
solidarity contribution
-
-
-
-
health
5 769
-
8 261
-
social contributions
2 777
-
3 978
-
income
5 128
-
7 343
-
total
13 674
-
19 582
-
Employer
42 730
-
61 194
-
health
3 846
-
5 507
-
social contributions
10 683
-
15 299
-
total
14 529
-
20 806
-
Corporate
24 742
82 000
-
-
income
4 701
15 580
-
-
total
4 701
15 580
-
-
Dividends
20 041
66 420
-
-
withholding
3 006
9 963
-
-
total
3 006
9 963
-
-
Income
82 000
82 000
82 000
82 000
Total tax
35 910
25 543
40 388
42 062
After tax
46 090
56 457
41 612
39 938
Living cost
29 057
29 057
29 057
29 057
Free-cash
17 033
27 400
12 555
10 881

Estimated living cost  is ₽29057 per week

₽21608
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1610
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽503
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5336
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽15531
-₽3205
₽16002
₽12872
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
6 272
surtax
-
-
-
-
income
-
-
-
11 253
chamber of commerce
-
-
-
328
pensions
-
-
-
15 169
unemployment
-
-
-
5 822
total
-
-
-
38 844
Employee
41 494
37 829
63 671
-
unemployment
1 245
1 135
1 909
-
pensions
4 249
3 873
6 519
-
health
1 605
1 465
2 464
-
income
3 696
2 790
10 053
-
other
414
378
636
-
total
11 209
9 641
21 581
-
Employer
41 494
37 829
63 671
-
chamber of commerce
166
151
254
-
pensions
5 208
4 748
7 991
-
other
1 971
1 796
3 023
-
health
1 569
1 430
2 407
-
unemployment
1 245
1 135
1 909
-
accident
539
492
827
-
surtax
-
-
-
-
payroll
1 245
1 135
1 909
-
total
11 943
10 887
18 320
-
Corporate
28 564
33 284
60 077
-
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.

7 141
8 321
15 020
-
total
7 141
8 321
15 020
-
Dividends
21 424
24 963
-
-
withholding
5 892
6 865
-
-
total
5 892
6 865
-
-
Income
82 000
82 000
82 000
82 000
Total tax
36 185
35 714
54 921
38 844
After tax
45 815
46 286
27 079
43 156
Living cost
30 284
30 284
30 284
30 284
Free-cash
15 531
16 002
-3 205
12 872

Estimated living cost  is ₽30284 per week

₽18167
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3093
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽540
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8484
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽63413
₽53401
₽65701
₽68981
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
15 249
-
82 000
-
income
3 050
-
16 400
-
total
3 050
-
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%.

66 751
82 000
-
-
total
-
-
-
-
Dividends
66 751
82 000
-
-
withholding
3 338
4 100
-
-
total
3 338
4 100
-
-
Income
82 000
82 000
82 000
82 000
Total tax
6 388
4 100
16 400
820
After tax
75 612
77 900
65 600
81 180
Living cost
12 199
12 199
12 199
12 199
Free-cash
63 413
65 701
53 401
68 981

Estimated living cost  is ₽12199 per week

₽8255
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽512
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽409
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3022
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽23057
₽15180
₽30996
₽17532
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
health
-
-
-
8 068
income
-
-
-
15 842
pensions
-
-
-
14 975
unemployment
-
-
-
122
total
-
-
-
39 007
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.

41 976
-
70 952
-
unemployment
59
-
99
-
pensions
6 507
-
10 997
-
health
2 711
-
4 583
-
income
7 239
-
14 632
-
total
16 516
-
30 311
-
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.

41 976
-
70 952
-
pensions
3 714
-
6 280
-
health
2 796
-
4 725
-
unemployment
25
-
43
-
total
6 535
-
11 048
-
Corporate
33 489
82 000
-
-
income
6 362
15 580
-
-
total
6 362
15 580
-
-
Dividends
27 126
66 420
-
-
withholding
4 069
9 963
-
-
total
4 069
9 963
-
-
Income
82 000
82 000
82 000
82 000
Total tax
33 482
25 543
41 359
39 007
After tax
48 518
56 457
40 641
42 993
Living cost
25 461
25 461
25 461
25 461
Free-cash
23 057
30 996
15 180
17 532

Estimated living cost  is ₽25461 per week

₽17473
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1632
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.
₽5863
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽59880
₽28424
₽8831
₽15611
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
social contributions
-
-
-
9 348
income
-
-
-
15 983
total
-
-
-
25 331
Employee
58 871
-
-
-
social contributions
4 827
-
688
-
income
12 986
-
-
-
total
17 813
-
688
-
Employer
58 871
-
-
-
social contributions
83 009
-
11 830
-
total
83 009
-
11 830
-
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
100 822
32 111
12 518
25 331
After tax
-18 822
49 889
69 482
56 669
Living cost
41 058
41 058
41 058
41 058
Free-cash
-59 880
8 831
28 424
15 611

Estimated living cost  is ₽41058 per week

₽26640
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3861
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽523
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10033
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽15911
₽12799
₽16868
₽16471
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
social contributions

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

-
-
-
28 494
income
-
-
-
7 260
surtax
-
-
-
-
total
-
-
-
35 754
Employee
43 658
-
66 263
-
social contributions
4 802
-
7 288
-
income
9 081
-
16 401
-
surtax
-
-
-
-
total
13 883
-
23 689
-
Employer
43 658
-
66 263
-
social contributions
10 369
-
15 737
-
total
10 369
-
15 737
-
Corporate
27 973
82 000
-
-
income
5 874
17 219
-
-
surtax
-
-
-
-
total
5 874
17 219
-
-
Dividends
22 099
64 781
-
-
withholding
6 188
18 138
-
-
total
6 188
18 138
-
-
Income
82 000
82 000
82 000
82 000
Total tax
36 314
35 357
39 426
35 754
After tax
45 686
46 643
42 574
46 246
Living cost
29 775
29 775
29 775
29 775
Free-cash
15 911
16 868
12 799
16 471

Estimated living cost  is ₽29775 per week

₽22278
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1756
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽497
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5244
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽2008
₽1819
-₽4518
₽1743
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
social contributions
-
-
-
2 336
health
-
-
-
807
income
-
-
-
5 982
surtax
-
-
-
-
pensions
-
-
-
22 743
other
-
-
-
2 542
total
-
-
-
34 410
Employee
59 453
-
62 486
-
pensions
6 725
-
7 067
-
social contributions
1 693
-
1 780
-
income
5 187
-
5 973
-
surtax
-
-
-
-
total
13 605
-
14 820
-
Employer
59 453
-
62 486
-
pensions
9 769
-
10 266
-
other
2 052
-
2 156
-
health
4 161
-
4 374
-
unemployment
2 408
-
2 531
-
social contributions
178
-
187
-
total
18 568
-
19 514
-
Corporate
3 978
82 000
-
-
income
1 113
22 960
-
-
surtax
-
-
-
-
total
1 113
22 960
-
-
Dividends
2 865
59 040
-
-
surtax
-
-
-
-
social contributions
492
10 154
-
-
withholding
367
7 557
-
-
total
859
17 711
-
-
Income
82 000
82 000
82 000
82 000
Total tax
34 145
40 671
34 334
34 410
After tax
47 855
41 329
47 666
47 590
Living cost
45 847
45 847
45 847
45 847
Free-cash
2 008
-4 518
1 819
1 743

Estimated living cost  is ₽45847 per week

₽31029
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3750
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽629
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10439
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽42078
₽36690
₽45266
₽34389
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
social contributions
-
-
-
18 041
income
-
-
-
1 036
total
-
-
-
19 077
Employee
30 517
-
70 995
-
social contributions
1 983
-
4 613
-
income
-
-
1 158
-
total
1 983
-
5 771
-
Employer
30 517
-
70 995
-
social contributions
4 730
-
11 005
-
total
4 730
-
11 005
-
Corporate
46 752
82 000
-
-
income
4 675
8 200
-
-
total
4 675
8 200
-
-
Dividends
42 078
73 800
-
-
total
-
-
-
-
Income
82 000
82 000
82 000
82 000
Total tax
11 388
8 200
16 776
19 077
After tax
70 612
73 800
65 224
62 923
Living cost
28 534
28 534
28 534
28 534
Free-cash
42 078
45 266
36 690
34 389

Estimated living cost  is ₽28534 per week

₽18450
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2151
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽537
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7396
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽124643
-₽124643
-₽124643
₽5778
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
municipal
-
-
-
14 728
pensions
-
-
-
822
labour market
-
-
-
6 494
national
-
-
-
8 501
total
-
-
-
30 545
Employee
192 792
192 792
192 792
-
pensions
274
274
274
-
municipal
41 054
41 054
41 054
-
national
23 553
23 553
23 553
-
labour market
15 401
15 401
15 401
-
total
80 282
80 282
80 282
-
Employer
192 792
192 792
192 792
-
municipal
41 119
41 119
41 119
-
pensions
548
548
548
-
national
23 594
23 594
23 594
-
labour market
15 423
15 423
15 423
-
total
80 684
80 684
80 684
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
82 000
82 000
82 000
82 000
Total tax
160 966
160 966
160 966
30 545
After tax
-78 966
-78 966
-78 966
51 455
Living cost
45 677
45 677
45 677
45 677
Free-cash
-124 643
-124 643
-124 643
5 778

Estimated living cost  is ₽45677 per week

₽31262
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4041
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽702
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9672
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽3447
₽20649
-₽14186
₽35541
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
243
health
-
-
-
2 096
income
-
-
-
18 938
pensions
-
-
-
3 998
other
-
-
-
356
total
-
-
-
25 631
Employee
32 764
-
68 588
-
pensions
3 689
-
7 331
-
health
3 752
-
7 853
-
income
4 495
-
11 928
-
total
11 936
-
27 112
-
Employer
32 764
-
68 588
-
pensions
5 327
-
10 586
-
unemployment
803
-
1 680
-
accident
547
-
1 145
-
total
6 677
-
13 411
-
Corporate
42 559
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.

38 303
73 800
-
-
total
38 303
73 800
-
-
Dividends
4 256
8 200
-
-
withholding
809
1 558
-
-
total
809
1 558
-
-
Income
82 000
82 000
82 000
82 000
Total tax
57 725
75 358
40 523
25 631
After tax
24 275
6 642
41 477
56 369
Living cost
20 828
20 828
20 828
20 828
Free-cash
3 447
-14 186
20 649
35 541

Estimated living cost  is ₽20828 per week

₽15161
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1187
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽391
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4089
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽15665
₽11358
₽19066
₽23232
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
health
-
-
-
866
municipal
-
-
-
14 604
national
-
-
-
6 854
total
-
-
-
22 324
Employee
49 942
-
68 983
-
unemployment
749
-
1 034
-
pensions
3 370
-
4 657
-
municipal
8 180
-
11 273
-
national
825
-
3 551
-
health
373
-
667
-
total
13 497
-
21 182
-
Employer
49 942
-
68 983
-
pensions
8 665
-
11 968
-
health
384
-
531
-
unemployment
324
-
449
-
accident
50
-
68
-
total
9 423
-
13 016
-
Corporate
22 635
82 000
-
-
income
4 527
16 400
-
-
total
4 527
16 400
-
-
Dividends

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

13 581
49 200
-
-
national
-
1 234
-
-
municipal
2 444
8 856
-
-
total
2 444
10 090
-
-
Income
82 000
82 000
82 000
82 000
Total tax
29 891
26 490
34 198
22 324
After tax
52 109
55 510
47 802
59 676
Living cost
36 444
36 444
36 444
36 444
Free-cash
15 665
19 066
11 358
23 232

Estimated living cost  is ₽36444 per week

₽23805
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3505
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽580
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8555
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽32951
₽37872
₽38119
₽37955
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
social contributions
-
-
-
12 792
health
-
-
-
2 091
income
-
-
-
7 184
total
-
-
-
22 067
Employee
72 992
72 992
74 443
-
health
566
1 241
1 266
-
social contributions
2 760
6 058
6 179
-
income
7 948
6 757
7 148
-
total
11 274
14 056
14 593
-
Employer
72 992
72 992
74 443
-
health
614
1 351
1 378
-
social contributions
2 760
6 058
6 179
-
total
3 374
7 409
7 557
-
Corporate
45 375
1 598
-
-
income
5 673
200
-
-
total
5 673
200
-
-
Dividends
39 703
1 399
-
-
withholding
6 750
238
-
-
total
6 750
238
-
-
Income
82 000
82 000
82 000
82 000
Total tax
27 071
21 903
22 150
22 067
After tax
54 929
60 097
59 850
59 933
Living cost
21 978
21 978
21 978
21 978
Free-cash
32 951
38 119
37 872
37 955

Estimated living cost  is ₽21978 per week

₽13172
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2156
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽486
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6164
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽48003
₽35552
₽52833
₽49789
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
health
-
-
-
3 435
income
-
-
-
7 640
pensions
-
-
-
6 038
unemployment
-
-
-
27
total
-
-
-
17 140
Employee

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

21 788
-
74 342
-
unemployment
108
-
371
-
pensions
3 268
-
11 150
-
health
1 852
-
6 319
-
income
1 490
-
5 880
-
total
6 718
-
23 720
-
Employer

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

21 788
-
74 342
-
pensions
1 198
-
4 089
-
health
937
-
3 197
-
unemployment
108
-
371
-
total
2 243
-
7 657
-
Corporate
57 969
82 000
-
-
income
5 217
7 380
-
-
total
5 217
7 380
-
-
Dividends
52 752
74 620
-
-
withholding
4 748
6 716
-
-
total
4 748
6 716
-
-
Income
82 000
82 000
82 000
82 000
Total tax
18 926
14 096
31 377
17 140
After tax
63 074
67 904
50 623
64 860
Living cost
15 071
15 071
15 071
15 071
Free-cash
48 003
52 833
35 552
49 789

Estimated living cost  is ₽15071 per week

₽9616
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1086
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.
₽3920
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽24196
₽17963
₽29177
₽17380
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
739
income
-
-
-
13 915
pensions
-
-
-
23 205
other
-
-
-
83
unemployment
-
-
-
575
total
-
-
-
38 517
Employee
35 099
-
62 179
-
unemployment
544
-
964
-
pensions
1 650
-
2 922
-
income
6 767
-
14 165
-
other
34
-
63
-
total
8 995
-
18 114
-
Employer
35 099
-
62 179
-
pensions
8 283
-
14 674
-
other
281
-
497
-
unemployment
1 931
-
3 419
-
accident
695
-
1 230
-
total
11 190
-
19 820
-
Corporate
35 711
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.

5 357
12 300
-
-
total
5 357
12 300
-
-
Dividends
30 353
69 700
-
-
withholding
6 159
14 420
-
-
total
6 159
14 420
-
-
Income
82 000
82 000
82 000
82 000
Total tax
31 701
26 720
37 934
38 517
After tax
50 299
55 280
44 066
43 483
Living cost
26 103
26 103
26 103
26 103
Free-cash
24 196
29 177
17 963
17 380

Estimated living cost  is ₽26103 per week

₽17619
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2509
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.
₽5518
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽49006
₽50219
₽49311
₽50352
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
982
income
-
-
-
27 454
pensions
-
-
-
1 355
total
-
-
-
29 791
Employee
2 829
-
80 476
-
unemployment
28
-
68
-
pensions
255
-
610
-
health
141
-
339
-
income
547
-
27 383
-
total
971
-
28 400
-
Employer
2 829
-
80 476
-
pensions
311
-
745
-
health
269
-
644
-
unemployment
57
-
135
-
total
637
-
1 524
-
Corporate
78 535
82 000
-
-
income
17 278
18 040
-
-
total
17 278
18 040
-
-
Dividends
61 257
63 960
-
-
withholding
12 251
12 792
-
-
total
12 251
12 792
-
-
Income
82 000
82 000
82 000
82 000
Total tax
31 137
30 832
29 924
29 791
After tax
50 863
51 168
52 076
52 209
Living cost
1 857
1 857
1 857
1 857
Free-cash
49 006
49 311
50 219
50 352

Estimated living cost  is ₽1857 per week

₽1104
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽151
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽43
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽560
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽38167
₽25552
₽42835
₽25412
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
health
-
-
-
7 223
income
-
-
-
13 670
pensions
-
-
-
18 233
unemployment
-
-
-
1 052
total
-
-
-
40 178
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.

24 745
-
69 550
-
unemployment
186
-
522
-
pensions
3 464
-
9 737
-
health
1 274
-
3 582
-
income
3 411
-
13 747
-
total
8 335
-
27 588
-
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.

24 745
-
69 550
-
pensions
2 969
-
8 346
-
health
1 274
-
3 582
-
unemployment
186
-
522
-
total
4 429
-
12 450
-
Corporate
52 825
82 000
-
-
income
7 924
12 300
-
-
total
7 924
12 300
-
-
Dividends
44 902
69 700
-
-
withholding
6 735
10 455
-
-
total
6 735
10 455
-
-
Income
82 000
82 000
82 000
82 000
Total tax
27 423
22 755
40 038
40 178
After tax
54 577
59 245
41 962
41 822
Living cost
16 410
16 410
16 410
16 410
Free-cash
38 167
42 835
25 552
25 412

Estimated living cost  is ₽16410 per week

₽11049
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.
₽3617
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽20709
₽16983
₽21052
₽20655
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
social contributions

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

-
-
-
28 494
income
-
-
-
7 260
surtax
-
-
-
-
total
-
-
-
35 754
Employee
36 842
-
66 263
-
social contributions
4 053
-
7 288
-
income
7 199
-
16 401
-
surtax
-
-
-
-
total
11 252
-
23 689
-
Employer
36 842
-
66 263
-
social contributions
8 749
-
15 737
-
total
8 749
-
15 737
-
Corporate
36 408
82 000
-
-
income
7 645
17 219
-
-
surtax
-
-
-
-
total
7 645
17 219
-
-
Dividends
28 763
64 781
-
-
withholding
8 054
18 138
-
-
total
8 054
18 138
-
-
Income
82 000
82 000
82 000
82 000
Total tax
35 700
35 357
39 426
35 754
After tax
46 300
46 643
42 574
46 246
Living cost
25 591
25 591
25 591
25 591
Free-cash
20 709
21 052
16 983
20 655

Estimated living cost  is ₽25591 per week

₽18125
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1778
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽454
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5235
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽14679
₽10705
₽21919
₽10122
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
739
income
-
-
-
13 915
pensions
-
-
-
23 205
other
-
-
-
83
unemployment
-
-
-
575
total
-
-
-
38 517
Employee
45 844
-
62 179
-
unemployment
710
-
964
-
pensions
2 154
-
2 922
-
income
9 575
-
14 165
-
other
45
-
63
-
total
12 484
-
18 114
-
Employer
45 844
-
62 179
-
pensions
10 819
-
14 674
-
other
367
-
497
-
unemployment
2 522
-
3 419
-
accident
908
-
1 230
-
total
14 616
-
19 820
-
Corporate
21 539
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.

3 232
12 300
-
-
total
3 232
12 300
-
-
Dividends
18 308
69 700
-
-
withholding
3 628
14 420
-
-
total
3 628
14 420
-
-
Income
82 000
82 000
82 000
82 000
Total tax
33 960
26 720
37 934
38 517
After tax
48 040
55 280
44 066
43 483
Living cost
33 361
33 361
33 361
33 361
Free-cash
14 679
21 919
10 705
10 122

Estimated living cost  is ₽33361 per week

₽23958
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.
₽470
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6339
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽47995
₽46815
₽53781
₽44518
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
3 813
income
-
-
-
12 300
pensions

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

-
-
-
4 907
unemployment
-
-
-
133
total
-
-
-
21 153
Employee
21 622
-
75 495
-
accident

We are using the highest rate at 1.1%.

238
-
365
-
pensions

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

1 898
-
2 911
-
health
995
-
1 525
-
income
2 163
-
7 549
-
total
5 294
-
12 350
-
Employer
21 622
-
75 495
-
pensions

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

2 383
-
3 654
-
health
1 492
-
2 288
-
unemployment
130
-
199
-
accident

We are using the highest rate at 1.1%.

238
-
365
-
total
4 243
-
6 506
-
Corporate
56 136
82 000
-
-
income
5 613
8 200
-
-
total
5 613
8 200
-
-
Dividends
50 523
73 800
-
-
withholding
2 526
3 690
-
-
total
2 526
3 690
-
-
Income
82 000
82 000
82 000
82 000
Total tax
17 676
11 890
18 856
21 153
After tax
64 324
70 110
63 144
60 847
Living cost
16 329
16 329
16 329
16 329
Free-cash
47 995
53 781
46 815
44 518

Estimated living cost  is ₽16329 per week

₽10800
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽935
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽390
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4205
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽18111
₽23120
₽5692
₽17687
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
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.

-
-
-
6 485
trade
-
-
-
5 433
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.

-
-
-
14 926
surtax

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

-
-
-
821
total
-
-
-
27 665
Employee

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

47 231
-
82 000
-
health

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

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

6 485
-
6 485
-
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.

3 884
-
14 926
-
surtax

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

214
-
821
-
total
10 583
-
22 232
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
34 769
82 000
-
-
income
5 215
12 300
-
-
chamber of commerce
195
265
-
-
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.

286
677
-
-
trade
4 990
11 767
-
-
total
10 686
25 009
-
-
Dividends
24 083
56 992
-
-
surtax

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

312
764
-
-
withholding
5 660
13 887
-
-
total
5 972
14 651
-
-
Income
82 000
82 000
82 000
82 000
Total tax
27 241
39 660
22 232
27 665
After tax
54 759
42 340
59 768
54 335
Living cost
36 648
36 648
36 648
36 648
Free-cash
18 111
5 692
23 120
17 687

Estimated living cost  is ₽36648 per week

₽25280
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3943
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽531
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6892
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽5422
₽3798
₽3327
₽3798
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
social contributions
-
-
-
7 020
income
-
-
-
17 109
total
-
-
-
24 129
Employee
74 252
-
82 000
-
social contributions
6 169
-
7 020
-
income
14 011
-
17 109
-
total
20 180
-
24 129
-
Employer
74 252
-
82 000
-
total
-
-
-
-
Corporate
7 748
82 000
-
-
income
969
10 250
-
-
total
969
10 250
-
-
Dividends
6 779
71 750
-
-
withholding
1 356
14 350
-
-
total
1 356
14 350
-
-
Income
82 000
82 000
82 000
82 000
Total tax
22 505
24 600
24 129
24 129
After tax
59 495
57 400
57 871
57 871
Living cost
54 073
54 073
54 073
54 073
Free-cash
5 422
3 327
3 798
3 798

Estimated living cost  is ₽54073 per week

₽41138
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4406
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽517
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8013
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽18835
₽25563
₽13828
₽14645
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
income
-
-
-
27 021
health

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

-
-
-
5 876
total
-
-
-
32 897
Employee
43 546
-
77 633
-
social contributions
4 363
-
4 367
-
income
4 725
-
13 245
-
total
9 088
-
17 612
-
Employer
43 546
-
77 633
-
social contributions
4 363
-
4 367
-
total
4 363
-
4 367
-
Corporate
34 091
82 000
-
-
income
11 932
28 699
-
-
total
11 932
28 699
-
-
Dividends
22 159
53 301
-
-
social contributions
3 324
5 015
-
-
total
3 324
5 015
-
-
Income
82 000
82 000
82 000
82 000
Total tax
28 707
33 714
21 979
32 897
After tax
53 293
48 286
60 021
49 103
Living cost
34 458
34 458
34 458
34 458
Free-cash
18 835
13 828
25 563
14 645

Estimated living cost  is ₽34458 per week

₽22697
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2716
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.
₽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 Sliema model

Close
Edinburgh , United Kingdom
₽21695
₽17207
₽26939
₽26436
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
15 233
pensions
-
-
-
5 830
total
-
-
-
21 063
Employee
47 357
-
72 388
-
pensions
3 615
-
6 620
-
health
618
-
1 131
-
income
8 624
-
12 928
-
total
12 857
-
20 679
-
Employer
47 357
-
72 388
-
pensions
4 785
-
8 238
-
health
900
-
1 375
-
total
5 685
-
9 613
-
Corporate
28 958
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.

5 503
15 579
-
-
total
5 503
15 579
-
-
Dividends
23 455
66 421
-
-
withholding
1 759
4 981
-
-
total
1 759
4 981
-
-
Income
82 000
82 000
82 000
82 000
Total tax
25 804
20 560
30 292
21 063
After tax
56 196
61 440
51 708
60 937
Living cost
34 501
34 501
34 501
34 501
Free-cash
21 695
26 939
17 207
26 436

Estimated living cost  is ₽34501 per week

₽23667
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3173
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽432
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7227
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
₽3131
₽18587
-₽16248
₽33479
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
243
health
-
-
-
2 096
income
-
-
-
18 938
pensions
-
-
-
3 998
other
-
-
-
356
total
-
-
-
25 631
Employee
36 007
-
68 588
-
pensions
4 054
-
7 331
-
health
4 123
-
7 853
-
income
4 940
-
11 928
-
total
13 117
-
27 112
-
Employer
36 007
-
68 588
-
pensions
5 855
-
10 586
-
unemployment
882
-
1 680
-
accident
601
-
1 145
-
total
7 338
-
13 411
-
Corporate
38 655
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.

34 790
73 800
-
-
total
34 790
73 800
-
-
Dividends
3 865
8 200
-
-
withholding
734
1 558
-
-
total
734
1 558
-
-
Income
82 000
82 000
82 000
82 000
Total tax
55 979
75 358
40 523
25 631
After tax
26 021
6 642
41 477
56 369
Living cost
22 890
22 890
22 890
22 890
Free-cash
3 131
-16 248
18 587
33 479

Estimated living cost  is ₽22890 per week

₽16799
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1334
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.
₽4296
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽52272
₽36091
₽56885
₽34403
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
income
-
-
-
12 232
health insurance
-
-
-
6 068
pensions
-
-
-
15 088
unemployment
-
-
-
984
work injury
-
-
-
410
total
-
-
-
34 782
Employee

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

20 505
-
82 000
-
unemployment
246
-
910
-
pensions
3 773
-
13 959
-
work injury
103
-
379
-
income
2 050
-
12 232
-
health insurance
1 517
-
5 614
-
total
7 689
-
33 094
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
61 495
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
61 495
82 000
-
-
withholding
9 224
12 300
-
-
total
9 224
12 300
-
-
Income
82 000
82 000
82 000
82 000
Total tax
16 913
12 300
33 094
34 782
After tax
65 087
69 700
48 906
47 218
Living cost
12 815
12 815
12 815
12 815
Free-cash
52 272
56 885
36 091
34 403

Estimated living cost  is ₽12815 per week

₽7939
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽931
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽400
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3545
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽1059
₽759
₽5377
₽4512
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
social contributions
-
-
-
21 090
municipal
-
-
-
548
regional
-
-
-
1 517
national
-
-
-
16 517
total
-
-
-
39 672
Employee
79 989
-
82 000
-
regional
1 208
-
1 260
-
municipal
477
-
490
-
national
13 517
-
14 024
-
social contributions
26 972
-
27 651
-
total
42 174
-
43 425
-
Employer
79 989
-
82 000
-
total
-
-
-
-
Corporate
2 011
82 000
-
-
municipal
97
3 952
-
-
nationa
483
19 680
-
-
total
580
23 632
-
-
Dividends
1 431
58 368
-
-
withholding
371
15 175
-
-
total
371
15 175
-
-
Income
82 000
82 000
82 000
82 000
Total tax
43 125
38 807
43 425
39 672
After tax
38 875
43 193
38 575
42 328
Living cost
37 816
37 816
37 816
37 816
Free-cash
1 059
5 377
759
4 512

Estimated living cost  is ₽37816 per week

₽26563
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2601
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽571
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8079
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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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