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
₽11392
₽30052
₽24419
₽22390
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
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.

-
-
-
14 251
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.

-
-
-
783
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.

-
-
-
6 794
trade
-
-
-
5 633
total
-
-
-
27 461
Employee

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

38 035
-
82 000
-
surtax

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

59
-
783
-
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.

1 062
-
14 251
-
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.

6 794
-
6 794
-
total
7 915
-
21 828
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
43 965
82 000
-
-
income
6 595
12 300
-
-
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.

362
676
-
-
chamber of commerce
213
268
-
-
trade
6 924
12 915
-
-
total
14 094
26 159
-
-
Dividends
29 870
55 841
-
-
surtax

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

391
747
-
-
withholding
7 090
13 582
-
-
total
7 481
14 329
-
-
Income
82 000
82 000
82 000
82 000
Total tax
29 490
40 488
21 828
27 461
After tax
52 510
41 512
60 172
54 539
Living cost
30 120
30 120
30 120
30 120
Free-cash
22 390
11 392
30 052
24 419

Estimated living cost  is ₽30120 per week

₽18947
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3512
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽562
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7099
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽1496
-₽1821
-₽2465
-₽7049
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
8 268
national
-
-
-
12 812
pensions
-
-
-
9 840
total
-
-
-
31 801
Employee
81 639
-
70 888
-
municipal
10 084
-
8 585
-
pensions
3 266
-
2 836
-
national
15 626
-
13 303
-
total
28 976
-
24 724
-
Employer
81 639
-
70 888
-
pensions
6 531
-
5 671
-
social contributions
878
-
762
-
total
7 409
-
6 433
-
Corporate
-
82 000
-
-
income

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

-
16 400
-
-
total
-
16 400
-
-
Dividends
-
65 600
-
-
withholding
-
14 432
-
-
total
-
14 432
-
-
Income
82 000
82 000
82 000
82 000
Total tax
36 385
30 832
31 157
31 801
After tax
45 615
51 168
50 843
50 199
Living cost
52 664
52 664
52 664
52 664
Free-cash
-7 049
-1 496
-1 821
-2 465

Estimated living cost  is ₽52664 per week

₽35795
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4896
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽788
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽11185
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽44911
₽25731
₽23285
₽36755
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
income
-
-
-
11 664
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.

-
-
-
26 363
microenterprise
-
-
-
-
total
-
-
-
38 027
Employee
29 058
-
66 080
-
surtax
-
-
-
-
social contributions

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

3 197
-
7 269
-
income
5 173
-
12 394
-
total
8 370
-
19 663
-
Employer
29 058
-
66 080
-
social contributions

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

6 999
-
15 918
-
surtax
-
-
-
-
total
6 999
-
15 918
-
Corporate
45 943
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%.

9 188
16 401
-
-
total
9 188
16 401
-
-
Dividends

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

36 755
65 599
-
-
total
-
-
-
-
Income
82 000
82 000
82 000
82 000
Total tax
24 557
16 401
35 581
38 027
After tax
57 443
65 599
46 419
43 973
Living cost
20 688
20 688
20 688
20 688
Free-cash
36 755
44 911
25 731
23 285

Estimated living cost  is ₽20688 per week

₽13198
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1970
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.
₽5050
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽11166
-₽16748
₽4983
-₽16748
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
12 787
health
-
-
-
10 921
pensions
-
-
-
11 651
total
-
-
-
35 359
Employee
84 920
84 920
84 920
-
pensions
15 286
11 651
15 286
-
income

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

13 900
13 900
13 900
-
health
13 034
11 087
13 034
-
total
42 220
36 638
42 220
-
Employer
84 920
84 920
84 920
-
health
5 903
5 903
5 903
-
pensions
5 910
5 910
5 910
-
unemployment
3 057
3 057
3 057
-
total
14 870
14 870
14 870
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
82 000
82 000
82 000
82 000
Total tax
57 090
51 508
57 090
35 359
After tax
24 910
30 492
24 910
46 641
Living cost
41 658
41 658
41 658
41 658
Free-cash
-16 748
-11 166
-16 748
4 983

Estimated living cost  is ₽41658 per week

₽29522
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3755
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽662
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7718
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽4146
₽3164
₽251
₽3234
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
other
-
-
-
9 528
unemployment
-
-
-
82
health
-
-
-
5 117
municipal
-
-
-
17 368
national
-
-
-
-
pensions
-
-
-
8 864
total
-
-
-
41 123
Employee
57 889
-
62 395
-
municipal
17 262
-
18 606
-
national
-
-
-
-
total
17 262
-
18 606
-
Employer
57 889
-
62 395
-
health
3 560
-
3 837
-
pensions
6 258
-
6 745
-
accident
116
-
125
-
unemployment
1 528
-
1 647
-
other
6 727
-
7 250
-
total
18 189
-
19 604
-
Corporate
5 923
82 000
-
-
income
1 303
18 040
-
-
total
1 303
18 040
-
-
Dividends
4 620
63 960
-
-
withholding
1 386
19 188
-
-
total
1 386
19 188
-
-
Income
82 000
82 000
82 000
82 000
Total tax
38 140
37 228
38 210
41 123
After tax
43 860
44 772
43 790
40 877
Living cost
40 626
40 626
40 626
40 626
Free-cash
3 234
4 146
3 164
251

Estimated living cost  is ₽40626 per week

₽26926
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3987
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽617
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9097
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽2024
₽21107
₽15223
₽15998
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
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.

-
-
-
14 251
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.

-
-
-
783
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.

-
-
-
6 794
trade
-
-
-
5 884
total
-
-
-
27 712
Employee

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

50 429
-
82 000
-
surtax

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

238
-
783
-
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.

4 333
-
14 251
-
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.

6 794
-
6 794
-
total
11 365
-
21 828
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
31 571
82 000
-
-
income
4 735
12 300
-
-
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.

260
676
-
-
chamber of commerce
196
268
-
-
trade
5 193
13 489
-
-
total
10 384
26 733
-
-
Dividends
21 186
55 267
-
-
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.

270
740
-
-
withholding
4 918
13 438
-
-
total
5 188
14 178
-
-
Income
82 000
82 000
82 000
82 000
Total tax
26 937
40 911
21 828
27 712
After tax
55 063
41 089
60 172
54 288
Living cost
39 065
39 065
39 065
39 065
Free-cash
15 998
2 024
21 107
15 223

Estimated living cost  is ₽39065 per week

₽26127
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4120
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽583
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8235
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽27260
₽27607
₽28085
₽23745
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
6 777
social contributions
-
-
-
12 793
health
-
-
-
2 091
total
-
-
-
21 661
Employee
76 467
76 467
76 467
-
social contributions
3 716
6 346
6 178
-
income
8 030
7 079
7 139
-
health
761
1 300
1 266
-
total
12 507
14 725
14 583
-
Employer
76 467
76 467
76 467
-
health
828
1 415
1 378
-
social contributions
3 716
6 346
6 178
-
total
4 544
7 761
7 556
-
Corporate
32 696
-
-
-
income
4 087
-
-
-
total
4 087
-
-
-
Dividends
28 608
-
-
-
withholding
4 863
-
-
-
total
4 863
-
-
-
Income
82 000
82 000
82 000
82 000
Total tax
26 001
22 486
22 139
21 661
After tax
55 999
59 514
59 861
60 339
Living cost
32 254
32 254
32 254
32 254
Free-cash
23 745
27 260
27 607
28 085

Estimated living cost  is ₽32254 per week

₽22049
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2519
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.
₽7145
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽27983
₽29257
₽38527
₽28364
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
10 024
unemployment
-
-
-
1 230
health
-
-
-
5 740
pensions
-
-
-
8 200
total
-
-
-
25 194
Employee

As of 2018, the minimum salary of a managing director was set at 180,500 HUF per month.

The minimum wage is 138,000 HUF per month.

26 386
10 501
68 619
-
unemployment
396
158
1 029
-
pensions
2 639
1 050
6 862
-
income
3 226
1 284
8 389
-
health
1 847
735
4 803
-
total
8 108
3 227
21 083
-
Employer

As of 2018, the minimum salary of a managing director was set at 180,500 HUF per month.

The minimum wage is 138,000 HUF per month.

26 386
10 501
68 619
-
pensions
5 145
2 048
13 381
-
total
5 145
2 048
13 381
-
Corporate
50 468
69 451
-
-
income
4 542
6 251
-
-
total
4 542
6 251
-
-
Dividends
45 926
63 200
-
-
social contributions
8 836
12 204
-
-
withholding
8 726
12 008
-
-
total
17 562
24 212
-
-
Income
82 000
82 000
82 000
82 000
Total tax
35 357
35 738
34 464
25 194
After tax
46 643
46 262
47 536
56 806
Living cost
18 279
18 279
18 279
18 279
Free-cash
28 364
27 983
29 257
38 527

Estimated living cost  is ₽18279 per week

₽12474
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1496
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽365
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3944
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽41580
₽23243
₽19933
₽35404
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
10 989
health
-
-
-
10 660
pensions
-
-
-
16 399
total
-
-
-
38 048
Employee
28 210
-
61 285
-
unemployment
451
-
981
-
pensions
564
-
1 227
-
income
3 176
-
11 815
-
total
4 191
-
14 023
-
Employer
28 210
-
61 285
-
health
3 667
-
7 967
-
pensions
5 642
-
12 257
-
unemployment
226
-
491
-
total
9 535
-
20 715
-
Corporate
44 254
82 000
-
-
income
8 851
16 401
-
-
total
8 851
16 401
-
-
Dividends
35 403
65 599
-
-
total
-
-
-
-
Income
82 000
82 000
82 000
82 000
Total tax
22 577
16 401
34 738
38 048
After tax
59 423
65 599
47 262
43 952
Living cost
24 019
24 019
24 019
24 019
Free-cash
35 404
41 580
23 243
19 933

Estimated living cost  is ₽24019 per week

₽16475
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1430
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.
₽5631
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽15474
₽19084
₽34282
₽3251
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
254
income
-
-
-
18 600
other
-
-
-
373
health
-
-
-
2 192
pensions
-
-
-
4 183
total
-
-
-
25 602
Employee
34 790
-
68 118
-
pensions
3 917
-
7 670
-
income
4 773
-
11 449
-
health
3 983
-
7 799
-
total
12 673
-
26 918
-
Employer
34 790
-
68 118
-
pensions
5 657
-
11 075
-
accident
581
-
1 138
-
unemployment
852
-
1 669
-
total
7 090
-
13 882
-
Corporate
40 120
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.

36 108
73 800
-
-
total
36 108
73 800
-
-
Dividends
4 012
8 200
-
-
withholding
762
1 558
-
-
total
762
1 558
-
-
Income
82 000
82 000
82 000
82 000
Total tax
56 633
75 358
40 800
25 602
After tax
25 367
6 642
41 200
56 398
Living cost
22 116
22 116
22 116
22 116
Free-cash
3 251
-15 474
19 084
34 282

Estimated living cost  is ₽22116 per week

₽16209
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1225
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽462
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4220
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽69831
₽57531
₽73111
₽68318
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader

We expect you will register a microenterprise to benefit from 1% tax rate. Otherwise you will be taxed at a personal income rate of 20%.

-
-
-
82 000
microenterprise

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

-
-
-
820
total
-
-
-
820
Employee
10 085
-
82 000
-
income
2 017
-
16 400
-
total
2 017
-
16 400
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

71 915
82 000
-
-
total
-
-
-
-
Dividends
71 915
82 000
-
-
withholding
3 596
4 100
-
-
total
3 596
4 100
-
-
Income
82 000
82 000
82 000
82 000
Total tax
5 613
4 100
16 400
820
After tax
76 387
77 900
65 600
81 180
Living cost
8 069
8 069
8 069
8 069
Free-cash
68 318
69 831
57 531
73 111

Estimated living cost  is ₽8069 per week

₽5000
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽671
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽222
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2176
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽33748
₽21566
₽17906
₽27034
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
10 415
other
-
-
-
3 895
health
-
-
-
3 608
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.

-
-
-
19 679
total
-
-
-
37 597
Employee
36 107
-
65 493
-
unemployment
360
-
655
-
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.

2 527
-
4 584
-
income
6 216
-
11 274
-
health
506
-
917
-
total
9 609
-
17 430
-
Employer
36 107
-
65 493
-
health
506
-
917
-
pensions

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

6 139
-
11 134
-
accident
289
-
525
-
unemployment
360
-
655
-
other
1 806
-
3 276
-
total
9 100
-
16 507
-
Corporate
36 794
82 000
-
-
income
7 726
17 220
-
-
total
7 726
17 220
-
-
Dividends
29 068
64 780
-
-
withholding
2 034
4 535
-
-
total
2 034
4 535
-
-
Income
82 000
82 000
82 000
82 000
Total tax
28 469
21 755
33 937
37 597
After tax
53 531
60 245
48 063
44 403
Living cost
26 497
26 497
26 497
26 497
Free-cash
27 034
33 748
21 566
17 906

Estimated living cost  is ₽26497 per week

₽18722
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1789
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽426
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5559
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽4463
-₽14011
-₽4891
-₽24019
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
15 254
pensions
-
-
-
5 736
total
-
-
-
20 990
Employee
93 240
-
72 478
-
pensions
8 995
-
6 504
-
income
16 807
-
12 973
-
health
1 536
-
1 111
-
total
27 338
-
20 588
-
Employer
93 240
-
72 478
-
health
1 771
-
1 378
-
pensions
11 009
-
8 144
-
total
12 780
-
9 522
-
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
-
4 983
-
-
total
-
4 983
-
-
Income
82 000
82 000
82 000
82 000
Total tax
40 118
20 562
30 110
20 990
After tax
41 882
61 438
51 890
61 010
Living cost
65 901
65 901
65 901
65 901
Free-cash
-24 019
-4 463
-14 011
-4 891

Estimated living cost  is ₽65901 per week

₽49381
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽7743
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽536
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8242
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
₽57072
₽49599
₽47388
₽52453
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
12 300
unemployment
-
-
-
139
health
-
-
-
3 994
pensions

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

-
-
-
5 141
total
-
-
-
21 574
Employee
17 264
-
75 185
-
accident

We are using the highest rate at 1.1%.

190
-
382
-
pensions

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

1 516
-
3 050
-
income
1 726
-
7 518
-
health
794
-
1 598
-
total
4 226
-
12 548
-
Employer
17 264
-
75 185
-
health
1 192
-
2 397
-
pensions

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

1 903
-
3 828
-
accident

We are using the highest rate at 1.1%.

190
-
382
-
unemployment
103
-
208
-
total
3 388
-
6 815
-
Corporate
61 348
82 000
-
-
income
6 135
8 200
-
-
total
6 135
8 200
-
-
Dividends
55 214
73 800
-
-
withholding
2 760
3 690
-
-
total
2 760
3 690
-
-
Income
82 000
82 000
82 000
82 000
Total tax
16 509
11 890
19 363
21 574
After tax
65 491
70 110
62 637
60 426
Living cost
13 038
13 038
13 038
13 038
Free-cash
52 453
57 072
49 599
47 388

Estimated living cost  is ₽13038 per week

₽7612
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.
₽345
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4150
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽24651
-₽30233
-₽8502
-₽26338
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
12 787
health
-
-
-
10 921
pensions
-
-
-
11 651
total
-
-
-
35 359
Employee
92 196
84 920
84 920
-
pensions
11 651
11 651
15 286
-
income

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

13 900
13 900
13 900
-
health
11 502
11 087
13 034
-
total
37 053
36 638
42 220
-
Employer
92 196
84 920
84 920
-
health
6 407
5 903
5 903
-
pensions
6 416
5 910
5 910
-
unemployment
3 319
3 057
3 057
-
total
16 142
14 870
14 870
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
82 000
82 000
82 000
82 000
Total tax
53 195
51 508
57 090
35 359
After tax
28 805
30 492
24 910
46 641
Living cost
55 143
55 143
55 143
55 143
Free-cash
-26 338
-24 651
-30 233
-8 502

Estimated living cost  is ₽55143 per week

₽40677
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4925
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.
₽8909
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽31736
₽16891
₽15217
₽22918
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
7 048
social contributions
-
-
-
23 944
solidarity contribution
-
-
-
-
health
-
-
-
11 070
total
-
-
-
42 062
Employee
36 354
-
61 194
-
solidarity contribution
-
-
-
-
social contributions
2 363
-
3 978
-
income
4 362
-
7 343
-
health
4 908
-
8 261
-
total
11 633
-
19 582
-
Employer
36 354
-
61 194
-
health
3 272
-
5 507
-
social contributions
9 088
-
15 299
-
total
12 360
-
20 806
-
Corporate
33 286
82 000
-
-
income
6 324
15 580
-
-
total
6 324
15 580
-
-
Dividends
26 961
66 420
-
-
withholding
4 044
9 963
-
-
total
4 044
9 963
-
-
Income
82 000
82 000
82 000
82 000
Total tax
34 361
25 543
40 388
42 062
After tax
47 639
56 457
41 612
39 938
Living cost
24 721
24 721
24 721
24 721
Free-cash
22 918
31 736
16 891
15 217

Estimated living cost  is ₽24721 per week

₽17171
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1759
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽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.
₽5305
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽1788
-₽2515
₽1386
-₽6378
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
regional
-
-
-
875
municipal
-
-
-
487
national
-
-
-
16 201
total
-
-
-
38 653
Employee
88 379
-
82 000
-
municipal
468
-
434
-
national
15 314
-
13 708
-
regional
834
-
762
-
social contributions
29 801
-
27 650
-
total
46 417
-
42 554
-
Employer
88 379
-
82 000
-
total
-
-
-
-
Corporate
-
82 000
-
-
municipal
-
3 199
-
-
nationa
-
19 681
-
-
total
-
22 880
-
-
Dividends
-
59 121
-
-
withholding
-
15 371
-
-
total
-
15 371
-
-
Income
82 000
82 000
82 000
82 000
Total tax
46 417
38 251
42 554
38 653
After tax
35 583
43 749
39 446
43 347
Living cost
41 961
41 961
41 961
41 961
Free-cash
-6 378
1 788
-2 515
1 386

Estimated living cost  is ₽41961 per week

₽29250
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2751
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽644
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9315
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽29633
₽20465
₽22033
₽26538
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
14 108
other
-
-
-
-
surtax
-
-
-
1 466
unemployment
-
-
-
226
health
-
-
-
5 822
pensions
-
-
-
16 401
total
-
-
-
38 023
Employee
32 885
-
67 739
-
other
-
-
-
-
unemployment
2 289
-
4 714
-
pensions
2 193
-
4 518
-
surtax
108
-
1 287
-
income
5 512
-
13 081
-
health
840
-
1 729
-
total
10 942
-
25 329
-
Employer
32 885
-
67 739
-
health
1 496
-
3 084
-
pensions
4 384
-
9 030
-
unemployment
1 042
-
2 148
-
other
-
-
-
-
total
6 922
-
14 262
-
Corporate
42 193
82 000
-
-
income
10 970
21 321
-
-
total
10 970
21 321
-
-
Dividends
31 223
60 679
-
-
withholding
4 684
9 102
-
-
total
4 684
9 102
-
-
Income
82 000
82 000
82 000
82 000
Total tax
33 518
30 423
39 591
38 023
After tax
48 482
51 577
42 409
43 977
Living cost
21 944
21 944
21 944
21 944
Free-cash
26 538
29 633
20 465
22 033

Estimated living cost  is ₽21944 per week

₽13417
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2025
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽506
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5995
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽16416
₽6868
₽15988
₽8663
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
15 254
pensions
-
-
-
5 736
total
-
-
-
20 990
Employee
62 487
-
72 478
-
pensions
5 304
-
6 504
-
income
11 254
-
12 973
-
health
907
-
1 111
-
total
17 465
-
20 588
-
Employer
62 487
-
72 478
-
health
1 187
-
1 378
-
pensions
6 764
-
8 144
-
total
7 951
-
9 522
-
Corporate
11 562
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.

2 196
15 579
-
-
total
2 196
15 579
-
-
Dividends
9 366
66 421
-
-
withholding
703
4 983
-
-
total
703
4 983
-
-
Income
82 000
82 000
82 000
82 000
Total tax
28 315
20 562
30 110
20 990
After tax
53 685
61 438
51 890
61 010
Living cost
45 022
45 022
45 022
45 022
Free-cash
8 663
16 416
6 868
15 988

Estimated living cost  is ₽45022 per week

₽33730
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3375
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽471
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7446
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽41138
-₽13847
-₽9664
-₽18790
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
other

This will depend on a canton and a chosen fund. The rate is between 0.3% and 3.4% with a maximum base of 148,200 CHF. We use 2% as an average rate.

-
-
-
1 640
regional
-
-
-
2 383
health
-
-
-
256
city
-
-
-
864
national
-
-
-
343
pensions
-
-
-
7 543
total
-
-
-
13 029
Employee
92 023
-
73 394
-
unemployment
-
-
-
-
pensions
7 731
-
6 164
-
national
436
-
288
-
regional
3 013
-
2 008
-
city
988
-
788
-
health
208
-
166
-
total
12 376
-
9 414
-
Employer
92 023
-
73 394
-
health
208
-
166
-
pensions
7 731
-
6 164
-
unemployment
-
-
-
-
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.

1 840
-
1 468
-
total
9 779
-
7 798
-
Corporate
-
82 000
-
-
regional
-
17 343
-
-
national
-
6 970
-
-
total
-
24 313
-
-
Dividends
-
57 688
-
-
withholding
-
20 190
-
-
total
-
20 190
-
-
Income
82 000
82 000
82 000
82 000
Total tax
22 155
44 503
17 212
13 029
After tax
59 845
37 497
64 788
68 971
Living cost
78 635
78 635
78 635
78 635
Free-cash
-18 790
-41 138
-13 847
-9 664

Estimated living cost  is ₽78635 per week

₽51135
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽7057
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽965
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽19477
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽4889
₽14617
₽8484
₽11237
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
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.

-
-
-
14 251
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.

-
-
-
783
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.

-
-
-
6 794
trade
-
-
-
6 133
total
-
-
-
27 961
Employee

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

59 763
-
82 000
-
surtax

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

387
-
783
-
income

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

7 028
-
14 251
-
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.

6 794
-
6 794
-
total
14 209
-
21 828
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
22 237
82 000
-
-
income
3 336
12 300
-
-
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.

183
676
-
-
chamber of commerce
183
266
-
-
trade
3 814
14 063
-
-
total
7 516
27 305
-
-
Dividends
14 720
54 695
-
-
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.

181
732
-
-
withholding
3 302
13 297
-
-
total
3 483
14 029
-
-
Income
82 000
82 000
82 000
82 000
Total tax
25 208
41 334
21 828
27 961
After tax
56 792
40 666
60 172
54 039
Living cost
45 555
45 555
45 555
45 555
Free-cash
11 237
-4 889
14 617
8 484

Estimated living cost  is ₽45555 per week

₽33272
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3644
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽593
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8049
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽7305
₽14129
₽13592
₽13179
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
5 298
other
-
-
-
2 542
surtax
-
-
-
-
social contributions
-
-
-
2 336
health
-
-
-
708
pensions
-
-
-
23 501
total
-
-
-
34 385
Employee
42 560
-
62 487
-
pensions
4 812
-
7 067
-
surtax
-
-
-
-
social contributions
1 213
-
1 781
-
income
2 512
-
5 487
-
total
8 537
-
14 335
-
Employer
42 560
-
62 487
-
health
2 980
-
4 374
-
pensions
6 992
-
10 266
-
unemployment
1 723
-
2 531
-
social contributions
128
-
187
-
other
1 468
-
2 155
-
total
13 291
-
19 513
-
Corporate
26 149
82 000
-
-
income
7 322
22 961
-
-
surtax
-
-
-
-
total
7 322
22 961
-
-
Dividends
18 827
59 039
-
-
surtax
-
-
-
-
social contributions
3 238
10 153
-
-
withholding
2 410
7 558
-
-
total
5 648
17 711
-
-
Income
82 000
82 000
82 000
82 000
Total tax
34 798
40 672
33 848
34 385
After tax
47 202
41 328
48 152
47 615
Living cost
34 023
34 023
34 023
34 023
Free-cash
13 179
7 305
14 129
13 592

Estimated living cost  is ₽34023 per week

₽21453
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2767
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽579
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9226
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽10676
₽17500
₽16963
₽16201
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
5 298
other
-
-
-
2 542
surtax
-
-
-
-
social contributions
-
-
-
2 336
health
-
-
-
708
pensions
-
-
-
23 501
total
-
-
-
34 385
Employee
37 991
-
62 487
-
pensions
4 297
-
7 067
-
surtax
-
-
-
-
social contributions
1 083
-
1 781
-
income
1 959
-
5 487
-
total
7 339
-
14 335
-
Employer
37 991
-
62 487
-
health
2 659
-
4 374
-
pensions
6 243
-
10 266
-
unemployment
1 538
-
2 531
-
social contributions
113
-
187
-
other
1 312
-
2 155
-
total
11 865
-
19 513
-
Corporate
32 145
82 000
-
-
income
9 000
22 961
-
-
surtax
-
-
-
-
total
9 000
22 961
-
-
Dividends
23 145
59 039
-
-
surtax
-
-
-
-
social contributions
3 980
10 153
-
-
withholding
2 963
7 558
-
-
total
6 943
17 711
-
-
Income
82 000
82 000
82 000
82 000
Total tax
35 147
40 672
33 848
34 385
After tax
46 853
41 328
48 152
47 615
Living cost
30 652
30 652
30 652
30 652
Free-cash
16 201
10 676
17 500
16 963

Estimated living cost  is ₽30652 per week

₽17777
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3114
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽581
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9181
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽28939
₽32619
₽31574
₽29457
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
12 300
social contributions
-
-
-
11 315
health
-
-
-
5 724
total
-
-
-
29 339
Employee
33 717
-
82 000
-
social contributions
4 654
-
11 315
-
income
5 624
-
11 255
-
health
2 353
-
5 724
-
total
12 631
-
28 294
-
Employer
33 717
-
82 000
-
total
-
-
-
-
Corporate
48 283
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%.

2 414
4 101
-
-
total
2 414
4 101
-
-
Dividends
45 869
77 899
-
-
social contributions
6 329
10 751
-
-
withholding
6 880
11 685
-
-
health
3 202
5 437
-
-
total
16 411
27 873
-
-
Income
82 000
82 000
82 000
82 000
Total tax
31 456
31 974
28 294
29 339
After tax
50 544
50 026
53 706
52 661
Living cost
21 087
21 087
21 087
21 087
Free-cash
29 457
28 939
32 619
31 574

Estimated living cost  is ₽21087 per week

₽14112
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1300
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽485
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5188
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽11222
-₽7580
₽8420
₽9681
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
10 473
surtax
-
-
-
196
unemployment
-
-
-
6 099
chamber of commerce
-
-
-
328
health
-
-
-
6 273
pensions
-
-
-
15 171
total
-
-
-
38 540
Employee
49 697
39 629
63 521
-
other
496
396
636
-
unemployment
1 491
1 189
1 906
-
pensions
5 090
4 057
6 505
-
income
5 658
2 923
9 619
-
health
1 923
1 534
2 459
-
total
14 658
10 099
21 125
-
Employer
49 697
39 629
63 521
-
chamber of commerce
198
159
255
-
health
1 878
1 498
2 400
-
pensions
6 237
4 974
7 971
-
accident
645
515
827
-
unemployment
1 491
1 189
1 906
-
surtax
196
196
196
-
payroll
1 491
1 189
1 906
-
other
2 361
1 881
3 017
-
total
14 497
11 601
18 478
-
Corporate
17 806
30 769
59 747
-
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.

4 452
7 692
14 937
-
total
4 452
7 692
14 937
-
Dividends
13 354
23 077
-
-
withholding
3 672
6 346
-
-
total
3 672
6 346
-
-
Income
82 000
82 000
82 000
82 000
Total tax
37 279
35 738
54 540
38 540
After tax
44 721
46 262
27 460
43 460
Living cost
35 040
35 040
35 040
35 040
Free-cash
9 681
11 222
-7 580
8 420

Estimated living cost  is ₽35040 per week

₽23370
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2989
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽576
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8105
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽9795
-₽3246
₽4074
-₽9839
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
communal

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

-
-
-
4 208
social contributions
-
-
-
11 849
national
-
-
-
25 611
total
-
-
-
41 668
Employee

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

71 132
-
63 512
-
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.

619
-
553
-
communal

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

3 710
-
3 312
-
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.

5 335
-
4 763
-
national
21 869
-
18 887
-
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.

3 342
-
2 985
-
total
34 875
-
30 500
-
Employer

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

71 132
-
63 512
-
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.

4 374
-
3 906
-
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.

6 303
-
5 627
-
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.

925
-
827
-
unemployment

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

1 038
-
927
-
surtax
8 066
-
7 201
-
total
20 706
-
18 488
-
Corporate
-
82 000
-
-
income
-
16 401
-
-
surtax
-
328
-
-
total
-
16 729
-
-
Dividends
-
65 271
-
-
withholding

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

-
19 218
-
-
total
-
19 218
-
-
Income
82 000
82 000
82 000
82 000
Total tax
55 581
35 947
48 988
41 668
After tax
26 419
46 053
33 012
40 332
Living cost
36 258
36 258
36 258
36 258
Free-cash
-9 839
9 795
-3 246
4 074

Estimated living cost  is ₽36258 per week

₽23355
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3170
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽568
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9166
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽19377
₽8310
₽7730
₽11455
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
738
income
-
-
-
13 758
other
-
-
-
81
unemployment
-
-
-
574
pensions
-
-
-
23 206
total
-
-
-
38 357
Employee
49 500
-
62 178
-
other
49
-
62
-
unemployment
768
-
964
-
pensions
2 327
-
2 923
-
income
10 444
-
14 007
-
total
13 588
-
17 956
-
Employer
49 500
-
62 178
-
pensions
11 681
-
14 674
-
accident
979
-
1 230
-
unemployment
2 723
-
3 419
-
other
394
-
498
-
total
15 777
-
19 821
-
Corporate
16 722
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.

2 508
12 300
-
-
total
2 508
12 300
-
-
Dividends
14 214
69 700
-
-
withholding
2 759
14 410
-
-
total
2 759
14 410
-
-
Income
82 000
82 000
82 000
82 000
Total tax
34 632
26 710
37 777
38 357
After tax
47 368
55 290
44 223
43 643
Living cost
35 913
35 913
35 913
35 913
Free-cash
11 455
19 377
8 310
7 730

Estimated living cost  is ₽35913 per week

₽26446
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2548
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.
₽6401
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽3381
-₽1179
-₽5295
-₽2305
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
communal
-
-
-
5 182
accident
-
-
-
691
income
-
-
-
5 262
surtax
-
-
-
4 065
health
-
-
-
5 763
pensions
-
-
-
12 291
total
-
-
-
33 254
Employee
75 307
-
73 248
-
pensions
6 024
-
5 859
-
surtax
4 616
-
4 489
-
income
7 274
-
6 779
-
health
3 352
-
3 259
-
total
21 266
-
20 386
-
Employer
75 307
-
73 248
-
health
2 297
-
2 234
-
pensions
6 024
-
5 859
-
accident
677
-
659
-
total
8 998
-
8 752
-
Corporate
-
82 000
-
-
communal
-
5 535
-
-
income
-
12 300
-
-
surtax
-
861
-
-
total
-
18 696
-
-
Dividends
-
63 304
-
-
income
-
3 148
-
-
withholding
-
9 496
-
-
total
-
12 644
-
-
Income
82 000
82 000
82 000
82 000
Total tax
30 264
31 340
29 138
33 254
After tax
51 736
50 660
52 862
48 746
Living cost
54 041
54 041
54 041
54 041
Free-cash
-2 305
-3 381
-1 179
-5 295

Estimated living cost  is ₽54041 per week

₽40539
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3274
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽572
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9654
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽29241
₽20073
₽21641
₽26079
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
14 108
other
-
-
-
-
surtax
-
-
-
1 466
unemployment
-
-
-
226
health
-
-
-
5 822
pensions
-
-
-
16 401
total
-
-
-
38 023
Employee
33 489
-
67 739
-
other
-
-
-
-
unemployment
2 331
-
4 714
-
pensions
2 234
-
4 518
-
surtax
119
-
1 287
-
income
5 614
-
13 081
-
health
855
-
1 729
-
total
11 153
-
25 329
-
Employer
33 489
-
67 739
-
health
1 523
-
3 084
-
pensions
4 465
-
9 030
-
unemployment
1 062
-
2 148
-
other
-
-
-
-
total
7 050
-
14 262
-
Corporate
41 461
82 000
-
-
income
10 779
21 321
-
-
total
10 779
21 321
-
-
Dividends
30 682
60 679
-
-
withholding
4 603
9 102
-
-
total
4 603
9 102
-
-
Income
82 000
82 000
82 000
82 000
Total tax
33 585
30 423
39 591
38 023
After tax
48 415
51 577
42 409
43 977
Living cost
22 336
22 336
22 336
22 336
Free-cash
26 079
29 241
20 073
21 641

Estimated living cost  is ₽22336 per week

₽13485
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1942
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽519
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6392
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽16311
₽12317
₽16197
₽14105
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
regional
-
-
-
1 237
municipal
-
-
-
487
national
-
-
-
16 201
total
-
-
-
39 015
Employee
55 162
-
82 000
-
municipal
293
-
434
-
national
8 739
-
13 708
-
regional
743
-
1 103
-
social contributions
18 601
-
27 650
-
total
28 376
-
42 895
-
Employer
55 162
-
82 000
-
total
-
-
-
-
Corporate
26 838
82 000
-
-
municipal
1 334
4 076
-
-
nationa
6 441
19 681
-
-
total
7 775
23 757
-
-
Dividends
19 063
58 243
-
-
withholding
4 956
15 144
-
-
total
4 956
15 144
-
-
Income
82 000
82 000
82 000
82 000
Total tax
41 107
38 901
42 895
39 015
After tax
40 893
43 099
39 105
42 985
Living cost
26 788
26 788
26 788
26 788
Free-cash
14 105
16 311
12 317
16 197

Estimated living cost  is ₽26788 per week

₽16659
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2714
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽459
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6956
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽25995
₽11150
₽9476
₽15126
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
7 048
social contributions
-
-
-
23 944
solidarity contribution
-
-
-
-
health
-
-
-
11 070
total
-
-
-
42 062
Employee
44 798
-
61 194
-
solidarity contribution
-
-
-
-
social contributions
2 912
-
3 978
-
income
5 376
-
7 343
-
health
6 048
-
8 261
-
total
14 336
-
19 582
-
Employer
44 798
-
61 194
-
health
4 032
-
5 507
-
social contributions
11 199
-
15 299
-
total
15 231
-
20 806
-
Corporate
21 971
82 000
-
-
income
4 175
15 580
-
-
total
4 175
15 580
-
-
Dividends
17 797
66 420
-
-
withholding
2 670
9 963
-
-
total
2 670
9 963
-
-
Income
82 000
82 000
82 000
82 000
Total tax
36 412
25 543
40 388
42 062
After tax
45 588
56 457
41 612
39 938
Living cost
30 462
30 462
30 462
30 462
Free-cash
15 126
25 995
11 150
9 476

Estimated living cost  is ₽30462 per week

₽22654
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1688
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽527
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5594
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽14643
-₽4221
₽11930
₽14148
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
10 473
surtax
-
-
-
-
unemployment
-
-
-
6 099
chamber of commerce
-
-
-
328
health
-
-
-
6 273
pensions
-
-
-
15 171
total
-
-
-
38 344
Employee
43 469
39 629
63 674
-
other
434
396
636
-
unemployment
1 304
1 189
1 910
-
pensions
4 452
4 057
6 520
-
income
3 872
2 923
9 664
-
health
1 681
1 534
2 465
-
total
11 743
10 099
21 195
-
Employer
43 469
39 629
63 674
-
chamber of commerce
174
159
255
-
health
1 644
1 498
2 406
-
pensions
5 456
4 974
7 992
-
accident
564
515
828
-
unemployment
1 304
1 189
1 910
-
surtax
-
-
-
-
payroll
1 304
1 189
1 910
-
other
2 065
1 881
3 025
-
total
12 511
11 405
18 326
-
Corporate
26 021
30 965
59 900
-
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.

6 505
7 741
14 974
-
total
6 505
7 741
14 974
-
Dividends
19 516
23 224
-
-
withholding
5 367
6 386
-
-
total
5 367
6 386
-
-
Income
82 000
82 000
82 000
82 000
Total tax
36 126
35 631
54 495
38 344
After tax
45 874
46 369
27 505
43 656
Living cost
31 726
31 726
31 726
31 726
Free-cash
14 148
14 643
-4 221
11 930

Estimated living cost  is ₽31726 per week

₽19032
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3240
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.
₽8888
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽65327
₽53027
₽68607
₽62969
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
15 717
-
82 000
-
income
3 144
-
16 400
-
total
3 144
-
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%.

66 283
82 000
-
-
total
-
-
-
-
Dividends
66 283
82 000
-
-
withholding
3 314
4 100
-
-
total
3 314
4 100
-
-
Income
82 000
82 000
82 000
82 000
Total tax
6 458
4 100
16 400
820
After tax
75 542
77 900
65 600
81 180
Living cost
12 573
12 573
12 573
12 573
Free-cash
62 969
65 327
53 027
68 607

Estimated living cost  is ₽12573 per week

₽8509
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽528
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽422
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3115
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽29785
₽14167
₽16515
₽21467
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
income
-
-
-
15 644
unemployment
-
-
-
123
health
-
-
-
8 069
pensions
-
-
-
14 976
total
-
-
-
38 812
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.

43 974
-
70 953
-
unemployment
62
-
100
-
pensions
6 816
-
10 998
-
income
7 583
-
14 432
-
health
2 840
-
4 584
-
total
17 301
-
30 114
-
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.

43 974
-
70 953
-
health
2 929
-
4 725
-
pensions
3 891
-
6 278
-
unemployment
26
-
43
-
total
6 846
-
11 046
-
Corporate
31 180
82 000
-
-
income
5 924
15 580
-
-
total
5 924
15 580
-
-
Dividends
25 256
66 420
-
-
withholding
3 789
9 962
-
-
total
3 789
9 962
-
-
Income
82 000
82 000
82 000
82 000
Total tax
33 860
25 542
41 160
38 812
After tax
48 140
56 458
40 840
43 188
Living cost
26 673
26 673
26 673
26 673
Free-cash
21 467
29 785
14 167
16 515

Estimated living cost  is ₽26673 per week

₽18305
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1710
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽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.
₽6143
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽6582
₽25489
₽13362
-₽67651
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
income
-
-
-
15 983
social contributions
-
-
-
9 348
total
-
-
-
25 331
Employee
62 096
-
-
-
social contributions
5 092
-
726
-
income
13 697
-
-
-
total
18 789
-
726
-
Employer
62 096
-
-
-
social contributions
87 555
-
12 478
-
total
87 555
-
12 478
-
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
106 344
32 111
13 204
25 331
After tax
-24 344
49 889
68 796
56 669
Living cost
43 307
43 307
43 307
43 307
Free-cash
-67 651
6 582
25 489
13 362

Estimated living cost  is ₽43307 per week

₽28099
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4073
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽552
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10583
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽15449
₽11639
₽15155
₽14449
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
income
-
-
-
7 158
surtax
-
-
-
-
social contributions

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

-
-
-
28 495
total
-
-
-
35 653
Employee
45 736
-
66 263
-
surtax
-
-
-
-
social contributions
5 031
-
7 288
-
income
9 513
-
16 144
-
total
14 544
-
23 432
-
Employer
45 736
-
66 263
-
social contributions
10 862
-
15 737
-
total
10 862
-
15 737
-
Corporate
25 402
82 000
-
-
income
5 335
17 220
-
-
surtax
-
-
-
-
total
5 335
17 220
-
-
Dividends
20 067
64 780
-
-
withholding
5 618
18 139
-
-
total
5 618
18 139
-
-
Income
82 000
82 000
82 000
82 000
Total tax
36 359
35 359
39 169
35 653
After tax
45 641
46 641
42 831
46 347
Living cost
31 192
31 192
31 192
31 192
Free-cash
14 449
15 449
11 639
15 155

Estimated living cost  is ₽31192 per week

₽23338
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1840
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽521
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5493
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽6702
₽122
-₽415
₽132
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
5 298
other
-
-
-
2 542
surtax
-
-
-
-
social contributions
-
-
-
2 336
health
-
-
-
708
pensions
-
-
-
23 501
total
-
-
-
34 385
Employee
62 283
-
62 487
-
pensions
7 045
-
7 067
-
surtax
-
-
-
-
social contributions
1 774
-
1 781
-
income
5 434
-
5 487
-
total
14 253
-
14 335
-
Employer
62 283
-
62 487
-
health
4 359
-
4 374
-
pensions
10 234
-
10 266
-
unemployment
2 523
-
2 531
-
social contributions
187
-
187
-
other
2 149
-
2 155
-
total
19 452
-
19 513
-
Corporate
265
82 000
-
-
income
74
22 961
-
-
surtax
-
-
-
-
total
74
22 961
-
-
Dividends
191
59 039
-
-
surtax
-
-
-
-
social contributions
34
10 153
-
-
withholding
25
7 558
-
-
total
59
17 711
-
-
Income
82 000
82 000
82 000
82 000
Total tax
33 838
40 672
33 848
34 385
After tax
48 162
41 328
48 152
47 615
Living cost
48 030
48 030
48 030
48 030
Free-cash
132
-6 702
122
-415

Estimated living cost  is ₽48030 per week

₽32506
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3929
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽659
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10936
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽43908
₽35433
₽33135
₽40566
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
934
social contributions
-
-
-
18 039
total
-
-
-
18 973
Employee
31 970
-
70 994
-
income
-
-
1 055
-
social contributions
2 078
-
4 616
-
total
2 078
-
5 671
-
Employer
31 970
-
70 994
-
social contributions
4 956
-
11 004
-
total
4 956
-
11 004
-
Corporate
45 075
82 000
-
-
income
4 508
8 200
-
-
total
4 508
8 200
-
-
Dividends
40 566
73 800
-
-
total
-
-
-
-
Income
82 000
82 000
82 000
82 000
Total tax
11 542
8 200
16 675
18 973
After tax
70 458
73 800
65 325
63 027
Living cost
29 892
29 892
29 892
29 892
Free-cash
40 566
43 908
35 433
33 135

Estimated living cost  is ₽29892 per week

₽19328
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2253
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽562
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7748
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽134566
-₽134566
₽3753
-₽134566
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
labour market
-
-
-
6 491
municipal
-
-
-
14 593
national
-
-
-
8 431
pensions
-
-
-
862
total
-
-
-
30 377
Employee
202 050
202 050
202 050
-
municipal
43 025
43 025
43 025
-
labour market
16 141
16 141
16 141
-
pensions
287
287
287
-
national
24 684
24 684
24 684
-
total
84 137
84 137
84 137
-
Employer
202 050
202 050
202 050
-
national
24 727
24 727
24 727
-
labour market
16 164
16 164
16 164
-
pensions
574
574
574
-
municipal
43 094
43 094
43 094
-
total
84 559
84 559
84 559
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
82 000
82 000
82 000
82 000
Total tax
168 696
168 696
168 696
30 377
After tax
-86 696
-86 696
-86 696
51 623
Living cost
47 870
47 870
47 870
47 870
Free-cash
-134 566
-134 566
-134 566
3 753

Estimated living cost  is ₽47870 per week

₽32763
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4235
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽736
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10136
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽15148
₽19410
₽34608
₽3301
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
254
income
-
-
-
18 600
other
-
-
-
373
health
-
-
-
2 192
pensions
-
-
-
4 183
total
-
-
-
25 602
Employee
34 277
-
68 118
-
pensions
3 860
-
7 670
-
income
4 702
-
11 449
-
health
3 925
-
7 799
-
total
12 487
-
26 918
-
Employer
34 277
-
68 118
-
pensions
5 573
-
11 075
-
accident
572
-
1 138
-
unemployment
840
-
1 669
-
total
6 985
-
13 882
-
Corporate
40 737
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.

36 663
73 800
-
-
total
36 663
73 800
-
-
Dividends
4 074
8 200
-
-
withholding
774
1 558
-
-
total
774
1 558
-
-
Income
82 000
82 000
82 000
82 000
Total tax
56 909
75 358
40 800
25 602
After tax
25 091
6 642
41 200
56 398
Living cost
21 790
21 790
21 790
21 790
Free-cash
3 301
-15 148
19 410
34 608

Estimated living cost  is ₽21790 per week

₽15861
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1242
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.
₽4278
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽17605
₽9983
₽21965
₽13708
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
847
municipal
-
-
-
14 608
national
-
-
-
6 401
total
-
-
-
21 856
Employee
52 319
-
68 983
-
municipal
8 569
-
11 276
-
unemployment
785
-
1 034
-
pensions
3 531
-
4 656
-
national
864
-
3 208
-
health
391
-
647
-
total
14 140
-
20 821
-
Employer
52 319
-
68 983
-
health
402
-
530
-
pensions
9 077
-
11 968
-
accident
53
-
70
-
unemployment
340
-
449
-
total
9 872
-
13 017
-
Corporate
19 810
82 000
-
-
income
3 961
16 401
-
-
total
3 961
16 401
-
-
Dividends

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

11 886
49 199
-
-
municipal
2 140
8 856
-
-
national
-
959
-
-
total
2 140
9 815
-
-
Income
82 000
82 000
82 000
82 000
Total tax
30 113
26 216
33 838
21 856
After tax
51 887
55 784
48 162
60 144
Living cost
38 179
38 179
38 179
38 179
Free-cash
13 708
17 605
9 983
21 965

Estimated living cost  is ₽38179 per week

₽24938
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3672
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽608
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8962
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽36490
₽36837
₽37315
₽31687
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
6 777
social contributions
-
-
-
12 793
health
-
-
-
2 091
total
-
-
-
21 661
Employee
76 467
76 467
76 467
-
social contributions
2 891
6 346
6 178
-
income
8 326
7 079
7 139
-
health
593
1 300
1 266
-
total
11 810
14 725
14 583
-
Employer
76 467
76 467
76 467
-
health
644
1 415
1 378
-
social contributions
2 891
6 346
6 178
-
total
3 535
7 761
7 556
-
Corporate
43 632
-
-
-
income
5 454
-
-
-
total
5 454
-
-
-
Dividends
38 178
-
-
-
withholding
6 490
-
-
-
total
6 490
-
-
-
Income
82 000
82 000
82 000
82 000
Total tax
27 289
22 486
22 139
21 661
After tax
54 711
59 514
59 861
60 339
Living cost
23 024
23 024
23 024
23 024
Free-cash
31 687
36 490
36 837
37 315

Estimated living cost  is ₽23024 per week

₽13799
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2259
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽510
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6458
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽52115
₽34848
₽48686
₽47058
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
income
-
-
-
7 573
unemployment
-
-
-
28
health
-
-
-
3 599
pensions
-
-
-
6 326
total
-
-
-
17 526
Employee

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

22 826
-
74 342
-
unemployment
113
-
372
-
pensions
3 423
-
11 151
-
income
1 561
-
5 863
-
health
1 940
-
6 320
-
total
7 037
-
23 706
-
Employer

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

22 826
-
74 342
-
health
981
-
3 197
-
pensions
1 255
-
4 089
-
unemployment
113
-
372
-
total
2 349
-
7 658
-
Corporate
56 825
82 000
-
-
income
5 114
7 381
-
-
total
5 114
7 381
-
-
Dividends
51 711
74 619
-
-
withholding
4 654
6 716
-
-
total
4 654
6 716
-
-
Income
82 000
82 000
82 000
82 000
Total tax
19 154
14 097
31 364
17 526
After tax
62 846
67 903
50 636
64 474
Living cost
15 788
15 788
15 788
15 788
Free-cash
47 058
52 115
34 848
48 686

Estimated living cost  is ₽15788 per week

₽10073
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1138
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽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.
₽4106
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽27944
₽16877
₽16297
₽22727
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
738
income
-
-
-
13 758
other
-
-
-
81
unemployment
-
-
-
574
pensions
-
-
-
23 206
total
-
-
-
38 357
Employee
36 770
-
62 178
-
other
36
-
62
-
unemployment
570
-
964
-
pensions
1 729
-
2 923
-
income
7 089
-
14 007
-
total
9 424
-
17 956
-
Employer
36 770
-
62 178
-
pensions
8 677
-
14 674
-
accident
728
-
1 230
-
unemployment
2 023
-
3 419
-
other
294
-
498
-
total
11 722
-
19 821
-
Corporate
33 507
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.

5 025
12 300
-
-
total
5 025
12 300
-
-
Dividends
28 482
69 700
-
-
withholding
5 756
14 410
-
-
total
5 756
14 410
-
-
Income
82 000
82 000
82 000
82 000
Total tax
31 927
26 710
37 777
38 357
After tax
50 073
55 290
44 223
43 643
Living cost
27 346
27 346
27 346
27 346
Free-cash
22 727
27 944
16 877
16 297

Estimated living cost  is ₽27346 per week

₽18458
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2629
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽479
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5780
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽49231
₽50088
₽50226
₽48914
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
27 400
health
-
-
-
1 024
pensions
-
-
-
1 413
total
-
-
-
29 837
Employee
2 950
-
80 411
-
unemployment
30
-
71
-
pensions
265
-
636
-
income
571
-
27 326
-
health
147
-
353
-
total
1 013
-
28 386
-
Employer
2 950
-
80 411
-
health
280
-
671
-
pensions
324
-
777
-
unemployment
59
-
141
-
total
663
-
1 589
-
Corporate
78 386
82 000
-
-
income
17 245
18 040
-
-
total
17 245
18 040
-
-
Dividends
61 141
63 960
-
-
withholding
12 228
12 792
-
-
total
12 228
12 792
-
-
Income
82 000
82 000
82 000
82 000
Total tax
31 149
30 832
29 975
29 837
After tax
50 851
51 168
52 025
52 163
Living cost
1 937
1 937
1 937
1 937
Free-cash
48 914
49 231
50 088
50 226

Estimated living cost  is ₽1937 per week

₽1151
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽157
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽44
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽584
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽42040
₽25036
₽24061
₽37145
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
income
-
-
-
12 942
unemployment
-
-
-
1 103
health
-
-
-
7 573
pensions
-
-
-
19 116
total
-
-
-
40 734
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.

25 945
-
69 550
-
unemployment
195
-
522
-
pensions
3 632
-
9 737
-
income
3 576
-
13 468
-
health
1 336
-
3 582
-
total
8 739
-
27 309
-
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.

25 945
-
69 550
-
health
1 336
-
3 582
-
pensions
3 113
-
8 346
-
unemployment
195
-
522
-
total
4 644
-
12 450
-
Corporate
51 411
82 000
-
-
income
7 712
12 300
-
-
total
7 712
12 300
-
-
Dividends
43 700
69 700
-
-
withholding
6 555
10 455
-
-
total
6 555
10 455
-
-
Income
82 000
82 000
82 000
82 000
Total tax
27 650
22 755
39 759
40 734
After tax
54 350
59 245
42 241
41 266
Living cost
17 205
17 205
17 205
17 205
Free-cash
37 145
42 040
25 036
24 061

Estimated living cost  is ₽17205 per week

₽11584
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1331
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽498
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3792
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽19832
₽16022
₽19538
₽19475
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
income
-
-
-
7 158
surtax
-
-
-
-
social contributions

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

-
-
-
28 495
total
-
-
-
35 653
Employee
38 596
-
66 263
-
surtax
-
-
-
-
social contributions
4 246
-
7 288
-
income
7 541
-
16 144
-
total
11 787
-
23 432
-
Employer
38 596
-
66 263
-
social contributions
9 166
-
15 737
-
total
9 166
-
15 737
-
Corporate
34 238
82 000
-
-
income
7 190
17 220
-
-
surtax
-
-
-
-
total
7 190
17 220
-
-
Dividends
27 048
64 780
-
-
withholding
7 573
18 139
-
-
total
7 573
18 139
-
-
Income
82 000
82 000
82 000
82 000
Total tax
35 716
35 359
39 169
35 653
After tax
46 284
46 641
42 831
46 347
Living cost
26 809
26 809
26 809
26 809
Free-cash
19 475
19 832
16 022
19 538

Estimated living cost  is ₽26809 per week

₽18988
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1863
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽476
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5484
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽20341
₽9274
₽8694
₽12757
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
738
income
-
-
-
13 758
other
-
-
-
81
unemployment
-
-
-
574
pensions
-
-
-
23 206
total
-
-
-
38 357
Employee
48 026
-
62 178
-
other
47
-
62
-
unemployment
744
-
964
-
pensions
2 257
-
2 923
-
income
10 031
-
14 007
-
total
13 079
-
17 956
-
Employer
48 026
-
62 178
-
pensions
11 334
-
14 674
-
accident
951
-
1 230
-
unemployment
2 642
-
3 419
-
other
385
-
498
-
total
15 312
-
19 821
-
Corporate
18 662
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.

2 799
12 300
-
-
total
2 799
12 300
-
-
Dividends
15 863
69 700
-
-
withholding
3 104
14 410
-
-
total
3 104
14 410
-
-
Income
82 000
82 000
82 000
82 000
Total tax
34 294
26 710
37 777
38 357
After tax
47 706
55 290
44 223
43 643
Living cost
34 949
34 949
34 949
34 949
Free-cash
12 757
20 341
9 274
8 694

Estimated living cost  is ₽34949 per week

₽25099
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2717
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽493
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6641
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽53004
₽45531
₽43320
₽46944
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
12 300
unemployment
-
-
-
139
health
-
-
-
3 994
pensions

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

-
-
-
5 141
total
-
-
-
21 574
Employee
22 651
-
75 185
-
accident

We are using the highest rate at 1.1%.

249
-
382
-
pensions

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

1 989
-
3 050
-
income
2 265
-
7 518
-
health
1 042
-
1 598
-
total
5 545
-
12 548
-
Employer
22 651
-
75 185
-
health
1 563
-
2 397
-
pensions

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

2 496
-
3 828
-
accident

We are using the highest rate at 1.1%.

249
-
382
-
unemployment
136
-
208
-
total
4 444
-
6 815
-
Corporate
54 905
82 000
-
-
income
5 490
8 200
-
-
total
5 490
8 200
-
-
Dividends
49 415
73 800
-
-
withholding
2 471
3 690
-
-
total
2 471
3 690
-
-
Income
82 000
82 000
82 000
82 000
Total tax
17 950
11 890
19 363
21 574
After tax
64 050
70 110
62 637
60 426
Living cost
17 106
17 106
17 106
17 106
Free-cash
46 944
53 004
45 531
43 320

Estimated living cost  is ₽17106 per week

₽11314
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽979
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽408
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4406
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽3964
₽21780
₽16647
₽16970
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
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.

-
-
-
14 251
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.

-
-
-
783
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.

-
-
-
6 794
trade
-
-
-
5 133
total
-
-
-
26 961
Employee

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

49 479
-
82 000
-
surtax

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

225
-
783
-
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.

4 069
-
14 251
-
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.

6 794
-
6 794
-
total
11 088
-
21 828
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
32 521
82 000
-
-
income
4 878
12 300
-
-
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.

268
676
-
-
chamber of commerce
198
272
-
-
trade
4 667
11 766
-
-
total
10 011
25 014
-
-
Dividends
22 510
56 986
-
-
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.

289
762
-
-
withholding
5 250
13 868
-
-
total
5 539
14 630
-
-
Income
82 000
82 000
82 000
82 000
Total tax
26 638
39 644
21 828
26 961
After tax
55 362
42 356
60 172
55 039
Living cost
38 392
38 392
38 392
38 392
Free-cash
16 970
3 964
21 780
16 647

Estimated living cost  is ₽38392 per week

₽26484
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4131
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.
₽7220
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽752
₽2066
₽2066
₽2948
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
16 363
social contributions
-
-
-
6 924
total
-
-
-
23 287
Employee
77 786
-
82 000
-
income
14 678
-
16 363
-
social contributions
6 462
-
6 924
-
total
21 140
-
23 287
-
Employer
77 786
-
82 000
-
total
-
-
-
-
Corporate
4 214
82 000
-
-
income
527
10 251
-
-
total
527
10 251
-
-
Dividends
3 687
71 749
-
-
withholding
738
14 350
-
-
total
738
14 350
-
-
Income
82 000
82 000
82 000
82 000
Total tax
22 405
24 601
23 287
23 287
After tax
59 595
57 399
58 713
58 713
Living cost
56 647
56 647
56 647
56 647
Free-cash
2 948
752
2 066
2 066

Estimated living cost  is ₽56647 per week

₽43096
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4616
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.
₽8394
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽11949
₽23854
₽11571
₽17574
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
28 307
health

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

-
-
-
6 024
total
-
-
-
34 331
Employee
45 618
-
77 426
-
income
4 950
-
12 900
-
social contributions
4 571
-
4 574
-
total
9 521
-
17 474
-
Employer
45 618
-
77 426
-
social contributions
4 571
-
4 574
-
total
4 571
-
4 574
-
Corporate
31 811
82 000
-
-
income
11 134
28 699
-
-
total
11 134
28 699
-
-
Dividends
20 677
53 301
-
-
social contributions
3 102
5 254
-
-
total
3 102
5 254
-
-
Income
82 000
82 000
82 000
82 000
Total tax
28 328
33 953
22 048
34 331
After tax
53 672
48 047
59 952
47 669
Living cost
36 098
36 098
36 098
36 098
Free-cash
17 574
11 949
23 854
11 571

Estimated living cost  is ₽36098 per week

₽23778
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2846
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.
₽8920
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽24837
₽15289
₽24409
₽19278
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
15 254
pensions
-
-
-
5 736
total
-
-
-
20 990
Employee
50 240
-
72 478
-
pensions
3 835
-
6 504
-
income
9 149
-
12 973
-
health
655
-
1 111
-
total
13 639
-
20 588
-
Employer
50 240
-
72 478
-
health
955
-
1 378
-
pensions
5 076
-
8 144
-
total
6 031
-
9 522
-
Corporate
25 729
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.

4 889
15 579
-
-
total
4 889
15 579
-
-
Dividends
20 840
66 421
-
-
withholding
1 562
4 983
-
-
total
1 562
4 983
-
-
Income
82 000
82 000
82 000
82 000
Total tax
26 121
20 562
30 110
20 990
After tax
55 879
61 438
51 890
61 010
Living cost
36 601
36 601
36 601
36 601
Free-cash
19 278
24 837
15 289
24 409

Estimated living cost  is ₽36601 per week

₽25108
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3366
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.
₽7667
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽17305
₽17253
₽32451
₽2969
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
254
income
-
-
-
18 600
other
-
-
-
373
health
-
-
-
2 192
pensions
-
-
-
4 183
total
-
-
-
25 602
Employee
37 670
-
68 118
-
pensions
4 242
-
7 670
-
income
5 168
-
11 449
-
health
4 313
-
7 799
-
total
13 723
-
26 918
-
Employer
37 670
-
68 118
-
pensions
6 125
-
11 075
-
accident
629
-
1 138
-
unemployment
923
-
1 669
-
total
7 677
-
13 882
-
Corporate
36 653
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.

32 988
73 800
-
-
total
32 988
73 800
-
-
Dividends
3 665
8 200
-
-
withholding
696
1 558
-
-
total
696
1 558
-
-
Income
82 000
82 000
82 000
82 000
Total tax
55 084
75 358
40 800
25 602
After tax
26 916
6 642
41 200
56 398
Living cost
23 947
23 947
23 947
23 947
Free-cash
2 969
-17 305
17 253
32 451

Estimated living cost  is ₽23947 per week

₽17575
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1395
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽482
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4495
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽56214
₽34460
₽33864
₽51359
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
12 100
unemployment
-
-
-
984
work injury
-
-
-
410
health insurance
-
-
-
6 068
pensions
-
-
-
15 088
total
-
-
-
34 650
Employee

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

21 577
-
82 000
-
health insurance
1 597
-
5 908
-
unemployment
259
-
958
-
work injury
108
-
399
-
pensions
3 970
-
14 689
-
income
2 158
-
12 100
-
total
8 092
-
34 054
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
60 423
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
60 423
82 000
-
-
withholding
9 063
12 300
-
-
total
9 063
12 300
-
-
Income
82 000
82 000
82 000
82 000
Total tax
17 155
12 300
34 054
34 650
After tax
64 845
69 700
47 946
47 350
Living cost
13 486
13 486
13 486
13 486
Free-cash
51 359
56 214
34 460
33 864

Estimated living cost  is ₽13486 per week

₽8355
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽980
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽421
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3730
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽3575
-₽681
₽3070
-₽1798
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
regional
-
-
-
1 476
municipal
-
-
-
547
national
-
-
-
16 201
total
-
-
-
39 314
Employee
83 797
-
82 000
-
municipal
500
-
489
-
national
14 161
-
13 708
-
regional
1 265
-
1 218
-
social contributions
28 256
-
27 650
-
total
44 182
-
43 065
-
Employer
83 797
-
82 000
-
total
-
-
-
-
Corporate
-
82 000
-
-
municipal
-
3 952
-
-
nationa
-
19 681
-
-
total
-
23 633
-
-
Dividends
-
58 368
-
-
withholding
-
15 176
-
-
total
-
15 176
-
-
Income
82 000
82 000
82 000
82 000
Total tax
44 182
38 809
43 065
39 314
After tax
37 818
43 191
38 935
42 686
Living cost
39 616
39 616
39 616
39 616
Free-cash
-1 798
3 575
-681
3 070

Estimated living cost  is ₽39616 per week

₽27827
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2725
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽598
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8464
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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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