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
₽31588
₽13575
₽25421
₽23769
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader

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

-
-
-
82 000
health

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

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

-
-
-
6 296
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.

-
-
-
15 357
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.

-
-
-
845
trade
-
-
-
6 167
total
-
-
-
28 665
Employee

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

35 249
-
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.

54
-
845
-
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.

985
-
15 357
-
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.

6 296
-
6 296
-
total
7 335
-
22 498
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
46 751
82 000
-
-
chamber of commerce
206
257
-
-
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
677
-
-
trade
7 363
12 916
-
-
income
7 013
12 300
-
-
total
14 969
26 150
-
-
Dividends
31 782
55 851
-
-
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.

418
749
-
-
withholding
7 595
13 612
-
-
total
8 013
14 361
-
-
Income
82 000
82 000
82 000
82 000
Total tax
30 317
40 511
22 498
28 665
After tax
51 683
41 489
59 502
53 335
Living cost
27 914
27 914
27 914
27 914
Free-cash
23 769
13 575
31 588
25 421

Estimated living cost  is ₽27914 per week

₽17559
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3255
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.
₽6579
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽1984
₽2564
₽1341
-₽183
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
pensions
-
-
-
9 840
national
-
-
-
12 966
municipal
-
-
-
8 368
total
-
-
-
32 055
Employee
75 345
-
70 888
-
municipal
9 306
-
8 685
-
national
14 421
-
13 458
-
pensions
3 014
-
2 836
-
total
26 741
-
24 979
-
Employer
75 345
-
70 888
-
pensions
6 028
-
5 671
-
social contributions
810
-
762
-
total
6 838
-
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
33 579
30 832
31 412
32 055
After tax
48 421
51 168
50 588
49 945
Living cost
48 604
48 604
48 604
48 604
Free-cash
-183
2 564
1 984
1 341

Estimated living cost  is ₽48604 per week

₽33036
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4518
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽727
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10323
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽27163
₽46428
₽24717
₽38866
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader

As of 1 January, 2018 a microenterprise tax rate for microenterprise turnover of up to €40,000 is 15%. This tax is inclusive of all other taxes and contributions.

Microenterprise tax could also be applied to a company but as the only exception is a limitation of liability, we advise to register as a sole-trader.

-
-
-
82 000
social contributions

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

-
-
-
26 363
income
-
-
-
11 747
surtax
-
-
-
-
microenterprise
-
-
-
-
total
-
-
-
38 110
Employee
26 929
-
66 082
-
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.

2 963
-
7 268
-
income
4 794
-
12 478
-
total
7 757
-
19 746
-
Employer
26 929
-
66 082
-
surtax
-
-
-
-
social contributions

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

6 487
-
15 918
-
total
6 487
-
15 918
-
Corporate
48 584
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%.

9 717
16 399
-
-
total
9 717
16 399
-
-
Dividends

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

38 867
65 601
-
-
total
-
-
-
-
Income
82 000
82 000
82 000
82 000
Total tax
23 961
16 399
35 664
38 110
After tax
58 039
65 601
46 336
43 890
Living cost
19 173
19 173
19 173
19 173
Free-cash
38 866
46 428
27 163
24 717

Estimated living cost  is ₽19173 per week

₽12232
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1826
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽435
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4680
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽9517
-₽4344
₽7992
-₽9517
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
health
-
-
-
10 464
income
-
-
-
14 139
pensions
-
-
-
10 798
total
-
-
-
35 401
Employee
78 700
78 700
78 700
-
income

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

12 882
12 882
12 882
-
pensions
14 166
10 798
14 166
-
health
12 080
10 275
12 080
-
total
39 128
33 955
39 128
-
Employer
78 700
78 700
78 700
-
unemployment
2 833
2 833
2 833
-
health
5 471
5 471
5 471
-
pensions
5 478
5 478
5 478
-
total
13 782
13 782
13 782
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
82 000
82 000
82 000
82 000
Total tax
52 910
47 737
52 910
35 401
After tax
29 090
34 263
29 090
46 599
Living cost
38 607
38 607
38 607
38 607
Free-cash
-9 517
-4 344
-9 517
7 992

Estimated living cost  is ₽38607 per week

₽27360
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3480
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽614
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7153
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽6050
₽7032
₽3136
₽6184
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
9 528
health
-
-
-
5 117
accident
-
-
-
164
pensions
-
-
-
8 864
national
-
-
-
-
unemployment
-
-
-
82
municipal
-
-
-
17 369
total
-
-
-
41 124
Employee
53 776
-
62 395
-
municipal
16 036
-
18 606
-
national
-
-
-
-
total
16 036
-
18 606
-
Employer
53 776
-
62 395
-
other
6 249
-
7 250
-
unemployment
1 420
-
1 647
-
health
3 307
-
3 837
-
accident
108
-
125
-
pensions
5 813
-
6 745
-
total
16 897
-
19 604
-
Corporate
11 327
82 000
-
-
income
2 492
18 040
-
-
total
2 492
18 040
-
-
Dividends
8 835
63 960
-
-
withholding
2 651
19 188
-
-
total
2 651
19 188
-
-
Income
82 000
82 000
82 000
82 000
Total tax
38 076
37 228
38 210
41 124
After tax
43 924
44 772
43 790
40 876
Living cost
37 740
37 740
37 740
37 740
Free-cash
6 184
7 032
6 050
3 136

Estimated living cost  is ₽37740 per week

₽25013
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3703
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽573
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8451
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽23298
₽4863
₽16857
₽17815
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader

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

-
-
-
82 000
health

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

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

-
-
-
6 296
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.

-
-
-
15 357
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.

-
-
-
845
trade
-
-
-
6 441
total
-
-
-
28 939
Employee

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

46 736
-
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.

220
-
845
-
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.

4 015
-
15 357
-
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.

6 296
-
6 296
-
total
10 531
-
22 498
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
35 264
82 000
-
-
chamber of commerce
191
257
-
-
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.

290
677
-
-
trade
5 801
13 489
-
-
income
5 290
12 300
-
-
total
11 572
26 723
-
-
Dividends
23 692
55 277
-
-
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.

306
742
-
-
withholding
5 572
13 468
-
-
total
5 878
14 210
-
-
Income
82 000
82 000
82 000
82 000
Total tax
27 981
40 933
22 498
28 939
After tax
54 019
41 067
59 502
53 061
Living cost
36 204
36 204
36 204
36 204
Free-cash
17 815
4 863
23 298
16 857

Estimated living cost  is ₽36204 per week

₽24213
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3818
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽540
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7632
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽29583
₽30188
₽29665
₽26366
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
social contributions
-
-
-
12 791
health
-
-
-
2 092
income
-
-
-
7 560
total
-
-
-
22 443
Employee
70 866
70 866
74 445
-
social contributions
3 444
5 882
6 179
-
income
7 442
6 560
7 525
-
health
705
1 205
1 266
-
total
11 591
13 647
14 970
-
Employer
70 866
70 866
74 445
-
health
768
1 312
1 376
-
social contributions
3 444
5 882
6 179
-
total
4 212
7 194
7 555
-
Corporate
36 307
3 941
-
-
income
4 538
493
-
-
total
4 538
493
-
-
Dividends
31 769
3 448
-
-
withholding
5 401
586
-
-
total
5 401
586
-
-
Income
82 000
82 000
82 000
82 000
Total tax
25 742
21 920
22 525
22 443
After tax
56 258
60 080
59 475
59 557
Living cost
29 892
29 892
29 892
29 892
Free-cash
26 366
30 188
29 583
29 665

Estimated living cost  is ₽29892 per week

₽20434
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2335
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽502
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6621
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽30228
₽28935
₽39498
₽29296
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

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

24 985
9 944
68 619
-
income
3 054
1 216
8 389
-
pensions
2 499
994
6 862
-
health
1 749
696
4 803
-
unemployment
375
149
1 029
-
total
7 677
3 055
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.

24 985
9 944
68 619
-
pensions
4 872
1 939
13 381
-
total
4 872
1 939
13 381
-
Corporate
52 143
70 117
-
-
income
4 693
6 311
-
-
total
4 693
6 311
-
-
Dividends
47 450
63 807
-
-
social contributions
9 139
12 329
-
-
withholding
9 015
12 123
-
-
total
18 154
24 452
-
-
Income
82 000
82 000
82 000
82 000
Total tax
35 396
35 757
34 464
25 194
After tax
46 604
46 243
47 536
56 806
Living cost
17 308
17 308
17 308
17 308
Free-cash
29 296
28 935
30 228
39 498

Estimated living cost  is ₽17308 per week

₽11812
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1416
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽346
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3735
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽25003
₽43341
₽21693
₽37615
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
health
-
-
-
10 660
income
-
-
-
10 988
pensions
-
-
-
16 399
total
-
-
-
38 047
Employee
26 144
-
61 284
-
income
2 943
-
11 816
-
pensions
523
-
1 226
-
unemployment
418
-
981
-
total
3 884
-
14 023
-
Employer
26 144
-
61 284
-
unemployment
210
-
490
-
health
3 398
-
7 966
-
pensions
5 229
-
12 258
-
total
8 837
-
20 714
-
Corporate
47 019
82 000
-
-
income
9 404
16 399
-
-
total
9 404
16 399
-
-
Dividends
37 615
65 601
-
-
total
-
-
-
-
Income
82 000
82 000
82 000
82 000
Total tax
22 125
16 399
34 737
38 047
After tax
59 875
65 601
47 263
43 953
Living cost
22 260
22 260
22 260
22 260
Free-cash
37 615
43 341
25 003
21 693

Estimated living cost  is ₽22260 per week

₽15268
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1326
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽448
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5219
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽21233
-₽13798
₽35910
₽3505
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
344
health
-
-
-
2 026
accident
-
-
-
235
income
-
-
-
19 179
pensions
-
-
-
3 866
total
-
-
-
25 650
Employee
32 153
-
68 925
-
income
4 411
-
12 272
-
pensions
3 621
-
7 088
-
health
3 682
-
7 892
-
total
11 714
-
27 252
-
Employer
32 153
-
68 925
-
unemployment
788
-
1 688
-
accident
537
-
1 151
-
pensions
5 228
-
10 236
-
total
6 553
-
13 075
-
Corporate
43 294
82 000
-
-
income

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

38 965
73 800
-
-
total
38 965
73 800
-
-
Dividends
4 329
8 200
-
-
withholding
823
1 558
-
-
total
823
1 558
-
-
Income
82 000
82 000
82 000
82 000
Total tax
58 055
75 358
40 327
25 650
After tax
23 945
6 642
41 673
56 350
Living cost
20 440
20 440
20 440
20 440
Free-cash
3 505
-13 798
21 233
35 910

Estimated living cost  is ₽20440 per week

₽14981
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1132
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽427
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3901
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽57943
₽70243
₽73523
₽68808
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader

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

-
-
-
82 000
microenterprise

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

-
-
-
820
total
-
-
-
820
Employee
9 571
-
82 000
-
income
1 914
-
16 400
-
total
1 914
-
16 400
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

72 429
82 000
-
-
total
-
-
-
-
Dividends
72 429
82 000
-
-
withholding
3 621
4 100
-
-
total
3 621
4 100
-
-
Income
82 000
82 000
82 000
82 000
Total tax
5 535
4 100
16 400
820
After tax
76 465
77 900
65 600
81 180
Living cost
7 657
7 657
7 657
7 657
Free-cash
68 808
70 243
57 943
73 523

Estimated living cost  is ₽7657 per week

₽4745
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽636
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽210
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2065
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽23510
₽35688
₽19845
₽29462
S + D Salary + Dividends

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

Dividends

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

Salary

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

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

-
-
-
19 680
total
-
-
-
37 598
Employee
33 462
-
65 496
-
income
5 761
-
11 275
-
pensions

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

2 342
-
4 584
-
health
469
-
916
-
unemployment
334
-
654
-
total
8 906
-
17 429
-
Employer
33 462
-
65 496
-
other
1 674
-
3 276
-
unemployment
334
-
654
-
health
469
-
916
-
accident
268
-
525
-
pensions

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

5 689
-
11 133
-
total
8 434
-
16 504
-
Corporate
40 105
82 000
-
-
income
8 423
17 220
-
-
total
8 423
17 220
-
-
Dividends
31 682
64 780
-
-
withholding
2 218
4 535
-
-
total
2 218
4 535
-
-
Income
82 000
82 000
82 000
82 000
Total tax
27 981
21 755
33 933
37 598
After tax
54 019
60 245
48 067
44 402
Living cost
24 557
24 557
24 557
24 557
Free-cash
29 462
35 688
23 510
19 845

Estimated living cost  is ₽24557 per week

₽17351
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1658
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽395
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5152
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽9238
₽550
-₽168
-₽15956
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
15 419
pensions
-
-
-
5 861
total
-
-
-
21 280
Employee
86 147
-
72 356
-
income
15 529
-
12 912
-
health
1 420
-
1 137
-
pensions
8 311
-
6 657
-
total
25 260
-
20 706
-
Employer
86 147
-
72 356
-
health
1 636
-
1 375
-
pensions
10 172
-
8 269
-
total
11 808
-
9 644
-
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
37 068
20 562
30 350
21 280
After tax
44 932
61 438
51 650
60 720
Living cost
60 888
60 888
60 888
60 888
Free-cash
-15 956
550
-9 238
-168

Estimated living cost  is ₽60888 per week

₽45625
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽7154
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽495
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7615
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
₽51669
₽58187
₽49296
₽53964
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
health
-
-
-
3 653
income
-
-
-
12 300
pensions

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

-
-
-
4 701
unemployment
-
-
-
127
total
-
-
-
20 781
Employee
15 787
-
75 768
-
income
1 578
-
7 577
-
accident

We are using the highest rate at 1.1%.

174
-
349
-
pensions

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

1 386
-
2 789
-
health
726
-
1 461
-
total
3 864
-
12 176
-
Employer
15 787
-
75 768
-
unemployment
94
-
191
-
health
1 090
-
2 192
-
accident

We are using the highest rate at 1.1%.

174
-
349
-
pensions

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

1 740
-
3 500
-
total
3 098
-
6 232
-
Corporate
63 115
82 000
-
-
income
6 311
8 200
-
-
total
6 311
8 200
-
-
Dividends
56 803
73 800
-
-
withholding
2 840
3 690
-
-
total
2 840
3 690
-
-
Income
82 000
82 000
82 000
82 000
Total tax
16 113
11 890
18 408
20 781
After tax
65 887
70 110
63 592
61 219
Living cost
11 923
11 923
11 923
11 923
Free-cash
53 964
58 187
51 669
49 296

Estimated living cost  is ₽11923 per week

₽6961
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽851
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽316
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3795
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽22014
-₽16841
-₽4505
-₽18403
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
health
-
-
-
10 464
income
-
-
-
14 139
pensions
-
-
-
10 798
total
-
-
-
35 401
Employee
85 443
78 700
78 700
-
income

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

12 882
12 882
12 882
-
pensions
10 798
10 798
14 166
-
health
10 660
10 275
12 080
-
total
34 340
33 955
39 128
-
Employer
85 443
78 700
78 700
-
unemployment
3 076
2 833
2 833
-
health
5 937
5 471
5 471
-
pensions
5 946
5 478
5 478
-
total
14 959
13 782
13 782
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
82 000
82 000
82 000
82 000
Total tax
49 299
47 737
52 910
35 401
After tax
32 701
34 263
29 090
46 599
Living cost
51 104
51 104
51 104
51 104
Free-cash
-18 403
-16 841
-22 014
-4 505

Estimated living cost  is ₽51104 per week

₽37697
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4565
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽586
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8257
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽18864
₽33708
₽17189
₽25593
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
social contributions
-
-
-
23 944
health
-
-
-
11 070
income
-
-
-
7 048
solidarity contribution
-
-
-
-
total
-
-
-
42 062
Employee
33 454
-
61 194
-
social contributions
2 175
-
3 978
-
solidarity contribution
-
-
-
-
income
4 014
-
7 343
-
health
4 516
-
8 261
-
total
10 705
-
19 582
-
Employer
33 454
-
61 194
-
health
3 011
-
5 507
-
social contributions
8 363
-
15 298
-
total
11 374
-
20 805
-
Corporate
37 172
82 000
-
-
income
7 063
15 580
-
-
total
7 063
15 580
-
-
Dividends
30 109
66 420
-
-
withholding
4 516
9 963
-
-
total
4 516
9 963
-
-
Income
82 000
82 000
82 000
82 000
Total tax
33 658
25 543
40 387
42 062
After tax
48 342
56 457
41 613
39 938
Living cost
22 749
22 749
22 749
22 749
Free-cash
25 593
33 708
18 864
17 189

Estimated living cost  is ₽22749 per week

₽15801
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1618
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽447
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4882
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽35
₽4862
₽3936
₽51
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
national
-
-
-
16 711
regional
-
-
-
887
municipal
-
-
-
488
total
-
-
-
39 176
Employee
81 905
-
82 000
-
social contributions
27 619
-
27 650
-
municipal
434
-
435
-
national
14 192
-
14 217
-
regional
773
-
775
-
total
43 018
-
43 077
-
Employer
81 905
-
82 000
-
total
-
-
-
-
Corporate
95
82 000
-
-
nationa
23
19 680
-
-
municipal
3
3 199
-
-
total
26
22 879
-
-
Dividends
68
59 121
-
-
withholding
17
15 371
-
-
total
17
15 371
-
-
Income
82 000
82 000
82 000
82 000
Total tax
43 061
38 250
43 077
39 176
After tax
38 939
43 750
38 923
42 824
Living cost
38 888
38 888
38 888
38 888
Free-cash
51
4 862
35
3 936

Estimated living cost  is ₽38888 per week

₽27108
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2550
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽596
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8633
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽21319
₽31242
₽22895
₽28374
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
-
health
-
-
-
5 822
income
-
-
-
14 694
pensions
-
-
-
16 399
surtax
-
-
-
1 644
unemployment
-
-
-
210
total
-
-
-
38 769
Employee
30 477
-
67 740
-
surtax
100
-
1 462
-
income
5 109
-
13 662
-
other
-
-
-
-
pensions
2 032
-
4 517
-
health
778
-
1 728
-
unemployment
2 121
-
4 715
-
total
10 140
-
26 084
-
Employer
30 477
-
67 740
-
other
-
-
-
-
unemployment
965
-
2 148
-
health
1 387
-
3 083
-
pensions
4 063
-
9 030
-
total
6 415
-
14 261
-
Corporate
45 109
82 000
-
-
income
11 728
21 321
-
-
total
11 728
21 321
-
-
Dividends
33 380
60 679
-
-
withholding
5 007
9 101
-
-
total
5 007
9 101
-
-
Income
82 000
82 000
82 000
82 000
Total tax
33 290
30 422
40 345
38 769
After tax
48 710
51 578
41 655
43 231
Living cost
20 336
20 336
20 336
20 336
Free-cash
28 374
31 242
21 319
22 895

Estimated living cost  is ₽20336 per week

₽12435
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1877
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽469
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5556
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽10053
₽19841
₽19123
₽12677
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
15 419
pensions
-
-
-
5 861
total
-
-
-
21 280
Employee
57 734
-
72 356
-
income
10 398
-
12 912
-
health
838
-
1 137
-
pensions
4 900
-
6 657
-
total
16 136
-
20 706
-
Employer
57 734
-
72 356
-
health
1 097
-
1 375
-
pensions
6 250
-
8 269
-
total
7 347
-
9 644
-
Corporate
16 920
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.

3 214
15 579
-
-
total
3 214
15 579
-
-
Dividends
13 706
66 421
-
-
withholding
1 029
4 983
-
-
total
1 029
4 983
-
-
Income
82 000
82 000
82 000
82 000
Total tax
27 726
20 562
30 350
21 280
After tax
54 274
61 438
51 650
60 720
Living cost
41 597
41 597
41 597
41 597
Free-cash
12 677
19 841
10 053
19 123

Estimated living cost  is ₽41597 per week

₽31164
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3118
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽435
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6879
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽8969
-₽36119
-₽4775
-₽12359
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
1 639
health
-
-
-
240
pensions
-
-
-
7 544
city
-
-
-
864
national
-
-
-
362
regional
-
-
-
2 509
total
-
-
-
13 158
Employee
86 151
-
73 395
-
national
408
-
306
-
city
925
-
788
-
pensions
7 238
-
6 166
-
health
195
-
164
-
regional
2 821
-
2 131
-
unemployment
-
-
-
-
total
11 587
-
9 555
-
Employer
86 151
-
73 395
-
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.

1 722
-
1 467
-
unemployment
-
-
-
-
health
195
-
164
-
pensions
7 238
-
6 166
-
total
9 155
-
7 797
-
Corporate
-
82 000
-
-
regional
-
17 342
-
-
national
-
6 969
-
-
total
-
24 311
-
-
Dividends
-
57 689
-
-
withholding
-
20 191
-
-
total
-
20 191
-
-
Income
82 000
82 000
82 000
82 000
Total tax
20 742
44 502
17 352
13 158
After tax
61 258
37 498
64 648
68 842
Living cost
73 617
73 617
73 617
73 617
Free-cash
-12 359
-36 119
-8 969
-4 775

Estimated living cost  is ₽73617 per week

₽47872
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6606
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽904
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽18235
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
₽17283
-₽1574
₽10569
₽13370
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader

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

-
-
-
82 000
health

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

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

-
-
-
6 296
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.

-
-
-
15 357
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.

-
-
-
845
trade
-
-
-
6 714
total
-
-
-
29 212
Employee

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

55 386
-
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.

359
-
845
-
income

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

6 513
-
15 357
-
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.

6 296
-
6 296
-
total
13 168
-
22 498
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
26 614
82 000
-
-
chamber of commerce
177
255
-
-
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.

220
677
-
-
trade
4 565
14 063
-
-
income
3 993
12 300
-
-
total
8 955
27 295
-
-
Dividends
17 660
54 705
-
-
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.

224
733
-
-
withholding
4 064
13 327
-
-
total
4 288
14 060
-
-
Income
82 000
82 000
82 000
82 000
Total tax
26 411
41 355
22 498
29 212
After tax
55 589
40 645
59 502
52 788
Living cost
42 219
42 219
42 219
42 219
Free-cash
13 370
-1 574
17 283
10 569

Estimated living cost  is ₽42219 per week

₽30835
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3377
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽549
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7459
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽15838
₽9797
₽15977
₽15239
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
2 543
social contributions
-
-
-
2 337
health
-
-
-
960
income
-
-
-
6 372
pensions
-
-
-
22 280
surtax
-
-
-
-
total
-
-
-
34 492
Employee
39 443
-
62 486
-
surtax
-
-
-
-
social contributions
1 125
-
1 780
-
income
2 328
-
6 271
-
pensions
4 460
-
7 066
-
total
7 913
-
15 117
-
Employer
39 443
-
62 486
-
other
1 361
-
2 156
-
unemployment
1 597
-
2 531
-
health
2 762
-
4 374
-
pensions
6 480
-
10 266
-
social contributions
119
-
187
-
total
12 319
-
19 514
-
Corporate
30 240
82 000
-
-
surtax
-
-
-
-
income
8 466
22 959
-
-
total
8 466
22 959
-
-
Dividends
21 773
59 041
-
-
social contributions
3 744
10 156
-
-
surtax
-
-
-
-
withholding
2 788
7 557
-
-
total
6 532
17 713
-
-
Income
82 000
82 000
82 000
82 000
Total tax
35 230
40 672
34 631
34 492
After tax
46 770
41 328
47 369
47 508
Living cost
31 531
31 531
31 531
31 531
Free-cash
15 239
9 797
15 838
15 977

Estimated living cost  is ₽31531 per week

₽19881
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2564
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽537
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8550
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽18962
₽12921
₽19101
₽18044
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
2 543
social contributions
-
-
-
2 337
health
-
-
-
960
income
-
-
-
6 372
pensions
-
-
-
22 280
surtax
-
-
-
-
total
-
-
-
34 492
Employee
35 208
-
62 486
-
surtax
-
-
-
-
social contributions
1 004
-
1 780
-
income
1 815
-
6 271
-
pensions
3 982
-
7 066
-
total
6 801
-
15 117
-
Employer
35 208
-
62 486
-
other
1 215
-
2 156
-
unemployment
1 425
-
2 531
-
health
2 464
-
4 374
-
pensions
5 785
-
10 266
-
social contributions
105
-
187
-
total
10 994
-
19 514
-
Corporate
35 797
82 000
-
-
surtax
-
-
-
-
income
10 023
22 959
-
-
total
10 023
22 959
-
-
Dividends
25 774
59 041
-
-
social contributions
4 433
10 156
-
-
surtax
-
-
-
-
withholding
3 298
7 557
-
-
total
7 731
17 713
-
-
Income
82 000
82 000
82 000
82 000
Total tax
35 549
40 672
34 631
34 492
After tax
46 451
41 328
47 369
47 508
Living cost
28 407
28 407
28 407
28 407
Free-cash
18 044
12 921
18 962
19 101

Estimated living cost  is ₽28407 per week

₽16475
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2886
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽539
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8508
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽33789
₽30488
₽33119
₽30964
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
social contributions
-
-
-
11 315
health
-
-
-
5 724
income
-
-
-
12 300
total
-
-
-
29 339
Employee
31 247
-
82 000
-
social contributions
4 313
-
11 315
-
income
5 212
-
11 630
-
health
2 181
-
5 724
-
total
11 706
-
28 669
-
Employer
31 247
-
82 000
-
total
-
-
-
-
Corporate
50 753
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%.

2 538
4 099
-
-
total
2 538
4 099
-
-
Dividends
48 215
77 901
-
-
social contributions
6 653
10 750
-
-
withholding
7 232
11 684
-
-
health
3 365
5 437
-
-
total
17 250
27 871
-
-
Income
82 000
82 000
82 000
82 000
Total tax
31 494
31 970
28 669
29 339
After tax
50 506
50 030
53 331
52 661
Living cost
19 542
19 542
19 542
19 542
Free-cash
30 964
30 488
33 789
33 119

Estimated living cost  is ₽19542 per week

₽13078
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1205
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽449
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4808
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽5706
₽13663
₽9880
₽12238
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
health
-
-
-
6 273
income
-
-
-
12 041
chamber of commerce
-
-
-
329
pensions
-
-
-
15 170
surtax
-
-
-
182
unemployment
-
-
-
5 652
total
-
-
-
39 647
Employee
46 057
36 727
63 533
-
income
5 243
2 709
10 252
-
other
460
367
635
-
pensions
4 717
3 760
6 506
-
health
1 782
1 422
2 459
-
unemployment
1 382
1 102
1 906
-
total
13 584
9 360
21 758
-
Employer
46 057
36 727
63 533
-
other
2 188
1 744
3 019
-
unemployment
1 382
1 102
1 906
-
health
1 740
1 389
2 401
-
surtax
182
182
182
-
accident
598
477
825
-
pensions
5 780
4 610
7 973
-
payroll
1 382
1 102
1 906
-
chamber of commerce
184
147
254
-
total
13 436
10 753
18 466
-
Corporate
22 508
34 521
60 036
-
income

The minimum corporate income for a GmbH is €1,1750 for a year. However, for GmbHs founded after 30 June 2013, the amount is reduced to €500 for the first five years and €1000 for the next five years.

Минимальный корпоративный налог для GmbH €1,1750 в год. Если GmbHs основана после 30 Июня 2013 эта сумма сниже до €500 в первые 5 лет и €1000 для следующих пяти лет.

5 626
8 631
15 009
-
total
5 626
8 631
15 009
-
Dividends
16 882
25 890
-
-
withholding
4 643
7 120
-
-
total
4 643
7 120
-
-
Income
82 000
82 000
82 000
82 000
Total tax
37 289
35 864
55 233
39 647
After tax
44 711
46 136
26 767
42 353
Living cost
32 473
32 473
32 473
32 473
Free-cash
12 238
13 663
-5 706
9 880

Estimated living cost  is ₽32473 per week

₽21658
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2770
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽533
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7511
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽1026
₽12423
₽6100
-₽3111
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
social contributions
-
-
-
12 244
communal

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

-
-
-
4 185
national
-
-
-
25 869
total
-
-
-
42 298
Employee

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

65 922
-
63 512
-
national
20 267
-
19 323
-
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.

4 944
-
4 764
-
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.

3 097
-
2 985
-
communal

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

3 438
-
3 312
-
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.

574
-
553
-
total
32 320
-
30 937
-
Employer

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

65 922
-
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.

962
-
927
-
health

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

4 054
-
3 905
-
surtax
7 475
-
7 202
-
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.

857
-
825
-
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.

5 841
-
5 628
-
total
19 189
-
18 487
-
Corporate
-
82 000
-
-
surtax
-
329
-
-
income
-
16 399
-
-
total
-
16 728
-
-
Dividends
-
65 272
-
-
withholding

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

-
19 247
-
-
total
-
19 247
-
-
Income
82 000
82 000
82 000
82 000
Total tax
51 509
35 975
49 424
42 298
After tax
30 491
46 025
32 576
39 702
Living cost
33 602
33 602
33 602
33 602
Free-cash
-3 111
12 423
-1 026
6 100

Estimated living cost  is ₽33602 per week

₽21644
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2938
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽526
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8494
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽10688
₽21990
₽10106
₽14647
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
82
accident
-
-
-
738
income
-
-
-
14 011
pensions
-
-
-
23 206
unemployment
-
-
-
574
total
-
-
-
38 611
Employee
45 875
-
62 178
-
income
9 679
-
14 260
-
other
45
-
63
-
pensions
2 156
-
2 922
-
unemployment
712
-
964
-
total
12 592
-
18 209
-
Employer
45 875
-
62 178
-
other
366
-
497
-
unemployment
2 524
-
3 419
-
accident
908
-
1 231
-
pensions
10 826
-
14 673
-
total
14 624
-
19 820
-
Corporate
21 503
82 000
-
-
income

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

3 225
12 300
-
-
total
3 225
12 300
-
-
Dividends
18 278
69 700
-
-
withholding
3 629
14 427
-
-
total
3 629
14 427
-
-
Income
82 000
82 000
82 000
82 000
Total tax
34 070
26 727
38 029
38 611
After tax
47 930
55 273
43 971
43 389
Living cost
33 283
33 283
33 283
33 283
Free-cash
14 647
21 990
10 688
10 106

Estimated living cost  is ₽33283 per week

₽24509
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2361
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.
₽5932
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽1950
₽392
-₽2003
-₽5409
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
health
-
-
-
5 763
accident
-
-
-
691
income
-
-
-
5 929
pensions
-
-
-
12 291
communal
-
-
-
5 182
surtax
-
-
-
4 064
total
-
-
-
33 920
Employee
69 791
-
73 245
-
surtax
4 278
-
4 489
-
income
6 741
-
7 606
-
pensions
5 582
-
5 859
-
health
3 106
-
3 260
-
total
19 707
-
21 214
-
Employer
69 791
-
73 245
-
health
2 128
-
2 235
-
accident
628
-
659
-
pensions
5 582
-
5 859
-
total
8 338
-
8 753
-
Corporate
3 870
82 000
-
-
surtax
40
860
-
-
income
581
12 300
-
-
communal
-
5 535
-
-
total
621
18 695
-
-
Dividends
3 249
63 304
-
-
income
8 172
3 334
-
-
withholding
488
9 496
-
-
total
8 660
12 830
-
-
Income
82 000
82 000
82 000
82 000
Total tax
37 326
31 525
29 967
33 920
After tax
44 674
50 475
52 033
48 080
Living cost
50 083
50 083
50 083
50 083
Free-cash
-5 409
392
1 950
-2 003

Estimated living cost  is ₽50083 per week

₽37570
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3034
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽530
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8947
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽20955
₽30878
₽22531
₽27947
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
-
health
-
-
-
5 822
income
-
-
-
14 694
pensions
-
-
-
16 399
surtax
-
-
-
1 644
unemployment
-
-
-
210
total
-
-
-
38 769
Employee
31 036
-
67 740
-
surtax
110
-
1 462
-
income
5 203
-
13 662
-
other
-
-
-
-
pensions
2 071
-
4 517
-
health
792
-
1 728
-
unemployment
2 160
-
4 715
-
total
10 336
-
26 084
-
Employer
31 036
-
67 740
-
other
-
-
-
-
unemployment
985
-
2 148
-
health
1 411
-
3 083
-
pensions
4 138
-
9 030
-
total
6 534
-
14 261
-
Corporate
44 430
82 000
-
-
income
11 551
21 321
-
-
total
11 551
21 321
-
-
Dividends
32 879
60 679
-
-
withholding
4 932
9 101
-
-
total
4 932
9 101
-
-
Income
82 000
82 000
82 000
82 000
Total tax
33 353
30 422
40 345
38 769
After tax
48 647
51 578
41 655
43 231
Living cost
20 700
20 700
20 700
20 700
Free-cash
27 947
30 878
20 955
22 531

Estimated living cost  is ₽20700 per week

₽12498
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1800
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽481
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5924
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽13769
₽18275
₽17648
₽16230
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
national
-
-
-
16 711
regional
-
-
-
1 237
municipal
-
-
-
488
total
-
-
-
39 526
Employee
51 122
-
82 000
-
social contributions
17 239
-
27 650
-
municipal
271
-
435
-
national
8 099
-
14 217
-
regional
688
-
1 103
-
total
26 297
-
43 405
-
Employer
51 122
-
82 000
-
total
-
-
-
-
Corporate
30 878
82 000
-
-
nationa
7 410
19 680
-
-
municipal
1 534
4 075
-
-
total
8 944
23 755
-
-
Dividends
21 934
58 245
-
-
withholding
5 703
15 144
-
-
total
5 703
15 144
-
-
Income
82 000
82 000
82 000
82 000
Total tax
40 944
38 899
43 405
39 526
After tax
41 056
43 101
38 595
42 474
Living cost
24 826
24 826
24 826
24 826
Free-cash
16 230
18 275
13 769
17 648

Estimated living cost  is ₽24826 per week

₽15439
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2515
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽425
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6446
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽13581
₽28425
₽11906
₽18425
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
social contributions
-
-
-
23 944
health
-
-
-
11 070
income
-
-
-
7 048
solidarity contribution
-
-
-
-
total
-
-
-
42 062
Employee
41 224
-
61 194
-
social contributions
2 680
-
3 978
-
solidarity contribution
-
-
-
-
income
4 947
-
7 343
-
health
5 565
-
8 261
-
total
13 192
-
19 582
-
Employer
41 224
-
61 194
-
health
3 710
-
5 507
-
social contributions
10 306
-
15 298
-
total
14 016
-
20 805
-
Corporate
26 760
82 000
-
-
income
5 084
15 580
-
-
total
5 084
15 580
-
-
Dividends
21 676
66 420
-
-
withholding
3 251
9 963
-
-
total
3 251
9 963
-
-
Income
82 000
82 000
82 000
82 000
Total tax
35 543
25 543
40 387
42 062
After tax
46 457
56 457
41 613
39 938
Living cost
28 032
28 032
28 032
28 032
Free-cash
18 425
28 425
13 581
11 906

Estimated living cost  is ₽28032 per week

₽20847
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1553
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.
₽5148
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽2594
₽16835
₽13133
₽16380
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
health
-
-
-
6 273
income
-
-
-
12 041
chamber of commerce
-
-
-
329
pensions
-
-
-
15 170
surtax
-
-
-
-
unemployment
-
-
-
5 652
total
-
-
-
39 465
Employee
40 285
36 727
63 677
-
income
3 589
2 709
10 294
-
other
402
367
637
-
pensions
4 126
3 760
6 520
-
health
1 558
1 422
2 464
-
unemployment
1 208
1 102
1 910
-
total
10 883
9 360
21 825
-
Employer
40 285
36 727
63 677
-
other
1 913
1 744
3 024
-
unemployment
1 208
1 102
1 910
-
health
1 523
1 389
2 406
-
surtax
-
-
-
-
accident
523
477
827
-
pensions
5 056
4 610
7 991
-
payroll
1 208
1 102
1 910
-
chamber of commerce
161
147
255
-
total
11 592
10 571
18 323
-
Corporate
30 121
34 703
60 179
-
income

The minimum corporate income for a GmbH is €1,1750 for a year. However, for GmbHs founded after 30 June 2013, the amount is reduced to €500 for the first five years and €1000 for the next five years.

Минимальный корпоративный налог для GmbH €1,1750 в год. Если GmbHs основана после 30 Июня 2013 эта сумма сниже до €500 в первые 5 лет и €1000 для следующих пяти лет.

7 531
8 676
15 044
-
total
7 531
8 676
15 044
-
Dividends
22 590
26 027
-
-
withholding
6 212
7 156
-
-
total
6 212
7 156
-
-
Income
82 000
82 000
82 000
82 000
Total tax
36 218
35 763
55 192
39 465
After tax
45 782
46 237
26 808
42 535
Living cost
29 402
29 402
29 402
29 402
Free-cash
16 380
16 835
-2 594
13 133

Estimated living cost  is ₽29402 per week

₽17638
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3003
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽525
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8237
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽53668
₽65968
₽69248
₽63731
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
14 915
-
82 000
-
income
2 983
-
16 400
-
total
2 983
-
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%.

67 085
82 000
-
-
total
-
-
-
-
Dividends
67 085
82 000
-
-
withholding
3 354
4 100
-
-
total
3 354
4 100
-
-
Income
82 000
82 000
82 000
82 000
Total tax
6 337
4 100
16 400
820
After tax
75 663
77 900
65 600
81 180
Living cost
11 932
11 932
11 932
11 932
Free-cash
63 731
65 968
53 668
69 248

Estimated living cost  is ₽11932 per week

₽8075
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽501
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽400
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2956
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽15802
₽31739
₽18152
₽24029
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader

A sole-trader pays social contribution from 75% of the assessed income made in the last year.

The minimum monthly assessed income used to calculate contributions is 60% of the insured's average monthly wage in the last year.

The maximum assessed income used to calculate contributions is 3.5 times the insured's average monthly wage in the last year.

-
-
-
82 000
health
-
-
-
8 068
income
-
-
-
15 963
pensions
-
-
-
14 976
unemployment
-
-
-
122
total
-
-
-
39 129
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.

40 753
-
70 952
-
income
7 028
-
14 751
-
pensions
6 317
-
10 997
-
health
2 632
-
4 584
-
unemployment
58
-
100
-
total
16 035
-
30 432
-
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.

40 753
-
70 952
-
unemployment
24
-
42
-
health
2 714
-
4 726
-
pensions
3 606
-
6 279
-
total
6 344
-
11 047
-
Corporate
34 902
82 000
-
-
income
6 632
15 579
-
-
total
6 632
15 579
-
-
Dividends
28 270
66 421
-
-
withholding
4 241
9 963
-
-
total
4 241
9 963
-
-
Income
82 000
82 000
82 000
82 000
Total tax
33 252
25 542
41 479
39 129
After tax
48 748
56 458
40 521
42 871
Living cost
24 719
24 719
24 719
24 719
Free-cash
24 029
31 739
15 802
18 152

Estimated living cost  is ₽24719 per week

₽16964
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1584
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.
₽5693
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽27333
₽7995
₽14775
-₽62768
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
social contributions
-
-
-
9 348
income
-
-
-
15 983
total
-
-
-
25 331
Employee
60 070
-
-
-
social contributions
4 926
-
702
-
income
13 250
-
-
-
total
18 176
-
702
-
Employer
60 070
-
-
-
social contributions
84 698
-
12 071
-
total
84 698
-
12 071
-
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
102 874
32 111
12 773
25 331
After tax
-20 874
49 889
69 227
56 669
Living cost
41 894
41 894
41 894
41 894
Free-cash
-62 768
7 995
27 333
14 775

Estimated living cost  is ₽41894 per week

₽27182
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3940
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽534
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10237
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽13509
₽17735
₽17275
₽16806
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader

Based on articles 30.º, 31.º and 151.º of CIRS, sole-trader can use 75% of income as a tax base when earnings are below €200,000 per annum.

-
-
-
82 000
social contributions

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

-
-
-
28 495
income
-
-
-
7 323
surtax
-
-
-
-
total
-
-
-
35 818
Employee
42 386
-
66 262
-
surtax
-
-
-
-
social contributions
4 663
-
7 289
-
income
8 816
-
16 558
-
total
13 479
-
23 847
-
Employer
42 386
-
66 262
-
social contributions
10 067
-
15 737
-
total
10 067
-
15 737
-
Corporate
29 547
82 000
-
-
surtax
-
-
-
-
income
6 205
17 220
-
-
total
6 205
17 220
-
-
Dividends
23 342
64 780
-
-
withholding
6 536
18 138
-
-
total
6 536
18 138
-
-
Income
82 000
82 000
82 000
82 000
Total tax
36 287
35 358
39 584
35 818
After tax
45 713
46 642
42 416
46 182
Living cost
28 907
28 907
28 907
28 907
Free-cash
16 806
17 735
13 509
17 275

Estimated living cost  is ₽28907 per week

₽21629
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1705
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.
₽5091
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽2857
-₽3184
₽2996
₽3151
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
2 543
social contributions
-
-
-
2 337
health
-
-
-
960
income
-
-
-
6 372
pensions
-
-
-
22 280
surtax
-
-
-
-
total
-
-
-
34 492
Employee
57 721
-
62 486
-
surtax
-
-
-
-
social contributions
1 644
-
1 780
-
income
5 036
-
6 271
-
pensions
6 529
-
7 066
-
total
13 209
-
15 117
-
Employer
57 721
-
62 486
-
other
1 992
-
2 156
-
unemployment
2 338
-
2 531
-
health
4 040
-
4 374
-
pensions
9 484
-
10 266
-
social contributions
173
-
187
-
total
18 027
-
19 514
-
Corporate
6 251
82 000
-
-
surtax
-
-
-
-
income
1 751
22 959
-
-
total
1 751
22 959
-
-
Dividends
4 501
59 041
-
-
social contributions
775
10 156
-
-
surtax
-
-
-
-
withholding
575
7 557
-
-
total
1 350
17 713
-
-
Income
82 000
82 000
82 000
82 000
Total tax
34 337
40 672
34 631
34 492
After tax
47 663
41 328
47 369
47 508
Living cost
44 512
44 512
44 512
44 512
Free-cash
3 151
-3 184
2 857
2 996

Estimated living cost  is ₽44512 per week

₽30125
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3641
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽610
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10135
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽37457
₽46096
₽35157
₽43000
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
income
-
-
-
1 100
social contributions
-
-
-
18 040
total
-
-
-
19 140
Employee
29 628
-
70 994
-
income
-
-
1 221
-
social contributions
1 926
-
4 615
-
total
1 926
-
5 836
-
Employer
29 628
-
70 994
-
social contributions
4 593
-
11 004
-
total
4 593
-
11 004
-
Corporate
47 779
82 000
-
-
income
4 778
8 201
-
-
total
4 778
8 201
-
-
Dividends
43 001
73 799
-
-
total
-
-
-
-
Income
82 000
82 000
82 000
82 000
Total tax
11 297
8 201
16 840
19 140
After tax
70 703
73 799
65 160
62 860
Living cost
27 703
27 703
27 703
27 703
Free-cash
43 000
46 096
37 457
35 157

Estimated living cost  is ₽27703 per week

₽17912
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2088
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.
₽7181
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽118480
-₽118480
₽7035
-₽118480
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
6 496
pensions
-
-
-
798
national
-
-
-
8 544
municipal
-
-
-
14 812
total
-
-
-
30 650
Employee
187 041
187 041
187 041
-
labour market
14 942
14 942
14 942
-
municipal
39 829
39 829
39 829
-
national
22 850
22 850
22 850
-
pensions
266
266
266
-
total
77 887
77 887
77 887
-
Employer
187 041
187 041
187 041
-
national
22 890
22 890
22 890
-
labour market
14 963
14 963
14 963
-
pensions
532
532
532
-
municipal
39 893
39 893
39 893
-
total
78 278
78 278
78 278
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
82 000
82 000
82 000
82 000
Total tax
156 165
156 165
156 165
30 650
After tax
-74 165
-74 165
-74 165
51 350
Living cost
44 315
44 315
44 315
44 315
Free-cash
-118 480
-118 480
-118 480
7 035

Estimated living cost  is ₽44315 per week

₽30329
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3920
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽682
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9383
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽21534
-₽13497
₽36211
₽3552
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
344
health
-
-
-
2 026
accident
-
-
-
235
income
-
-
-
19 179
pensions
-
-
-
3 866
total
-
-
-
25 650
Employee
31 679
-
68 925
-
income
4 346
-
12 272
-
pensions
3 567
-
7 088
-
health
3 628
-
7 892
-
total
11 541
-
27 252
-
Employer
31 679
-
68 925
-
unemployment
776
-
1 688
-
accident
529
-
1 151
-
pensions
5 151
-
10 236
-
total
6 456
-
13 075
-
Corporate
43 864
82 000
-
-
income

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

39 478
73 800
-
-
total
39 478
73 800
-
-
Dividends
4 386
8 200
-
-
withholding
834
1 558
-
-
total
834
1 558
-
-
Income
82 000
82 000
82 000
82 000
Total tax
58 309
75 358
40 327
25 650
After tax
23 691
6 642
41 673
56 350
Living cost
20 139
20 139
20 139
20 139
Free-cash
3 552
-13 497
21 534
36 211

Estimated living cost  is ₽20139 per week

₽14659
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1148
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽378
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3954
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽12202
₽19917
₽23984
₽16860
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
878
national
-
-
-
7 154
municipal
-
-
-
14 602
total
-
-
-
22 634
Employee
48 487
-
68 983
-
municipal
7 942
-
11 272
-
national
801
-
3 760
-
pensions
3 272
-
4 656
-
health
362
-
677
-
unemployment
728
-
1 035
-
total
13 105
-
21 400
-
Employer
48 487
-
68 983
-
unemployment
315
-
448
-
health
373
-
532
-
accident
49
-
68
-
pensions
8 412
-
11 968
-
total
9 149
-
13 016
-
Corporate
24 365
82 000
-
-
income
4 872
16 399
-
-
total
4 872
16 399
-
-
Dividends

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

14 619
49 200
-
-
national
-
1 446
-
-
municipal
2 632
8 856
-
-
total
2 632
10 302
-
-
Income
82 000
82 000
82 000
82 000
Total tax
29 758
26 701
34 416
22 634
After tax
52 242
55 299
47 584
59 366
Living cost
35 382
35 382
35 382
35 382
Free-cash
16 860
19 917
12 202
23 984

Estimated living cost  is ₽35382 per week

₽23112
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3403
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽563
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8305
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽38138
₽38743
₽38220
₽33731
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
social contributions
-
-
-
12 791
health
-
-
-
2 092
income
-
-
-
7 560
total
-
-
-
22 443
Employee
70 866
70 866
74 445
-
social contributions
2 679
5 882
6 179
-
income
7 716
6 560
7 525
-
health
549
1 205
1 266
-
total
10 944
13 647
14 970
-
Employer
70 866
70 866
74 445
-
health
596
1 312
1 376
-
social contributions
2 679
5 882
6 179
-
total
3 275
7 194
7 555
-
Corporate
46 442
3 941
-
-
income
5 805
493
-
-
total
5 805
493
-
-
Dividends
40 638
3 448
-
-
withholding
6 908
586
-
-
total
6 908
586
-
-
Income
82 000
82 000
82 000
82 000
Total tax
26 932
21 920
22 525
22 443
After tax
55 068
60 080
59 475
59 557
Living cost
21 337
21 337
21 337
21 337
Free-cash
33 731
38 743
38 138
38 220

Estimated living cost  is ₽21337 per week

₽12788
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2093
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽472
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5985
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽35977
₽53272
₽50465
₽48586
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader

By law (Article 9 §1 (7); Article 10 §1 (7); Article 11 §1 (5)) a social contribution base is set as:

  • up to €9,000.00, 60% of the average monthly wage in Montenegro
  • up to €15,000.00, 100% of the average monthly wage in Montenegro
  • in excess of €15,000, 150% of the average monthly wage in Montenegro
-
-
-
82 000
health
-
-
-
3 335
income
-
-
-
7 680
pensions
-
-
-
5 862
unemployment
-
-
-
26
total
-
-
-
16 903
Employee

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

21 154
-
74 342
-
income
1 446
-
5 889
-
pensions
3 172
-
11 151
-
health
1 798
-
6 319
-
unemployment
105
-
373
-
total
6 521
-
23 732
-
Employer

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

21 154
-
74 342
-
unemployment
105
-
373
-
health
909
-
3 197
-
pensions
1 163
-
4 089
-
total
2 177
-
7 659
-
Corporate
58 669
82 000
-
-
income
5 280
7 380
-
-
total
5 280
7 380
-
-
Dividends
53 389
74 620
-
-
withholding
4 804
6 716
-
-
total
4 804
6 716
-
-
Income
82 000
82 000
82 000
82 000
Total tax
18 782
14 096
31 391
16 903
After tax
63 218
67 904
50 609
65 097
Living cost
14 632
14 632
14 632
14 632
Free-cash
48 586
53 272
35 977
50 465

Estimated living cost  is ₽14632 per week

₽9336
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1055
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽435
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3806
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽18628
₽29930
₽18046
₽25096
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
82
accident
-
-
-
738
income
-
-
-
14 011
pensions
-
-
-
23 206
unemployment
-
-
-
574
total
-
-
-
38 611
Employee
34 077
-
62 178
-
income
6 570
-
14 260
-
other
33
-
63
-
pensions
1 602
-
2 922
-
unemployment
528
-
964
-
total
8 733
-
18 209
-
Employer
34 077
-
62 178
-
other
273
-
497
-
unemployment
1 875
-
3 419
-
accident
675
-
1 231
-
pensions
8 041
-
14 673
-
total
10 864
-
19 820
-
Corporate
37 059
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.

5 560
12 300
-
-
total
5 560
12 300
-
-
Dividends
31 499
69 700
-
-
withholding
6 404
14 427
-
-
total
6 404
14 427
-
-
Income
82 000
82 000
82 000
82 000
Total tax
31 561
26 727
38 029
38 611
After tax
50 439
55 273
43 971
43 389
Living cost
25 343
25 343
25 343
25 343
Free-cash
25 096
29 930
18 628
18 046

Estimated living cost  is ₽25343 per week

₽17106
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2436
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽444
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5357
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽50491
₽49475
₽50613
₽49196
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
health
-
-
-
895
income
-
-
-
27 564
pensions
-
-
-
1 235
total
-
-
-
29 694
Employee
2 579
-
80 610
-
income
499
-
27 499
-
pensions
232
-
556
-
health
129
-
309
-
unemployment
26
-
62
-
total
886
-
28 426
-
Employer
2 579
-
80 610
-
unemployment
52
-
124
-
health
245
-
587
-
pensions
284
-
679
-
total
581
-
1 390
-
Corporate
78 841
82 000
-
-
income
17 345
18 040
-
-
total
17 345
18 040
-
-
Dividends
61 496
63 960
-
-
withholding
12 299
12 792
-
-
total
12 299
12 792
-
-
Income
82 000
82 000
82 000
82 000
Total tax
31 111
30 832
29 816
29 694
After tax
50 889
51 168
52 184
52 306
Living cost
1 693
1 693
1 693
1 693
Free-cash
49 196
49 475
50 491
50 613

Estimated living cost  is ₽1693 per week

₽1006
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽137
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽39
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽511
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽26258
₽43333
₽26258
₽38806
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader

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

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

-
-
-
82 000
health
-
-
-
7 004
income
-
-
-
14 126
pensions
-
-
-
17 680
unemployment
-
-
-
1 020
total
-
-
-
39 830
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.

23 995
-
69 828
-
income
3 308
-
14 126
-
pensions
3 359
-
9 520
-
health
1 236
-
3 502
-
unemployment
180
-
510
-
total
8 083
-
27 658
-
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.

23 995
-
69 828
-
unemployment
180
-
510
-
health
1 236
-
3 502
-
pensions
2 879
-
8 160
-
total
4 295
-
12 172
-
Corporate
53 710
82 000
-
-
income
8 056
12 300
-
-
total
8 056
12 300
-
-
Dividends
45 653
69 700
-
-
withholding
6 848
10 455
-
-
total
6 848
10 455
-
-
Income
82 000
82 000
82 000
82 000
Total tax
27 282
22 755
39 830
39 830
After tax
54 718
59 245
42 170
42 170
Living cost
15 912
15 912
15 912
15 912
Free-cash
38 806
43 333
26 258
26 258

Estimated living cost  is ₽15912 per week

₽10714
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1231
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽460
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3507
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽17571
₽21797
₽21337
₽21466
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader

Based on articles 30.º, 31.º and 151.º of CIRS, sole-trader can use 75% of income as a tax base when earnings are below €200,000 per annum.

-
-
-
82 000
social contributions

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

-
-
-
28 495
income
-
-
-
7 323
surtax
-
-
-
-
total
-
-
-
35 818
Employee
35 769
-
66 262
-
surtax
-
-
-
-
social contributions
3 935
-
7 289
-
income
6 989
-
16 558
-
total
10 924
-
23 847
-
Employer
35 769
-
66 262
-
social contributions
8 494
-
15 737
-
total
8 494
-
15 737
-
Corporate
37 737
82 000
-
-
surtax
-
-
-
-
income
7 924
17 220
-
-
total
7 924
17 220
-
-
Dividends
29 812
64 780
-
-
withholding
8 347
18 138
-
-
total
8 347
18 138
-
-
Income
82 000
82 000
82 000
82 000
Total tax
35 689
35 358
39 584
35 818
After tax
46 311
46 642
42 416
46 182
Living cost
24 845
24 845
24 845
24 845
Free-cash
21 466
21 797
17 571
21 337

Estimated living cost  is ₽24845 per week

₽17597
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1726
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽441
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5082
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽11582
₽22884
₽11000
₽15857
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
82
accident
-
-
-
738
income
-
-
-
14 011
pensions
-
-
-
23 206
unemployment
-
-
-
574
total
-
-
-
38 611
Employee
44 509
-
62 178
-
income
9 296
-
14 260
-
other
44
-
63
-
pensions
2 092
-
2 922
-
unemployment
689
-
964
-
total
12 121
-
18 209
-
Employer
44 509
-
62 178
-
other
357
-
497
-
unemployment
2 448
-
3 419
-
accident
881
-
1 231
-
pensions
10 504
-
14 673
-
total
14 190
-
19 820
-
Corporate
23 301
82 000
-
-
income

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

3 494
12 300
-
-
total
3 494
12 300
-
-
Dividends
19 807
69 700
-
-
withholding
3 949
14 427
-
-
total
3 949
14 427
-
-
Income
82 000
82 000
82 000
82 000
Total tax
33 754
26 727
38 029
38 611
After tax
48 246
55 273
43 971
43 389
Living cost
32 389
32 389
32 389
32 389
Free-cash
15 857
22 884
11 582
11 000

Estimated living cost  is ₽32389 per week

₽23260
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2518
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽456
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6154
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽47949
₽54467
₽45576
₽48925
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
health
-
-
-
3 653
income
-
-
-
12 300
pensions

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

-
-
-
4 701
unemployment
-
-
-
127
total
-
-
-
20 781
Employee
20 714
-
75 768
-
income
2 072
-
7 577
-
accident

We are using the highest rate at 1.1%.

228
-
349
-
pensions

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

1 818
-
2 789
-
health
953
-
1 461
-
total
5 071
-
12 176
-
Employer
20 714
-
75 768
-
unemployment
124
-
191
-
health
1 429
-
2 192
-
accident

We are using the highest rate at 1.1%.

228
-
349
-
pensions

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

2 283
-
3 500
-
total
4 064
-
6 232
-
Corporate
57 222
82 000
-
-
income
5 722
8 200
-
-
total
5 722
8 200
-
-
Dividends
51 500
73 800
-
-
withholding
2 575
3 690
-
-
total
2 575
3 690
-
-
Income
82 000
82 000
82 000
82 000
Total tax
17 432
11 890
18 408
20 781
After tax
64 568
70 110
63 592
61 219
Living cost
15 643
15 643
15 643
15 643
Free-cash
48 925
54 467
47 949
45 576

Estimated living cost  is ₽15643 per week

₽10346
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽896
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽373
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4029
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽23922
₽6753
₽18303
₽18811
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader

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

-
-
-
82 000
health

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

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

-
-
-
6 296
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.

-
-
-
15 357
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.

-
-
-
845
trade
-
-
-
5 619
total
-
-
-
28 117
Employee

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

45 855
-
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.

208
-
845
-
income

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

3 771
-
15 357
-
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.

6 296
-
6 296
-
total
10 275
-
22 498
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
36 145
82 000
-
-
chamber of commerce
192
261
-
-
surtax

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

297
677
-
-
trade
5 187
11 767
-
-
income
5 422
12 300
-
-
total
11 098
25 005
-
-
Dividends
25 047
56 996
-
-
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.

325
764
-
-
withholding
5 911
13 898
-
-
total
6 236
14 662
-
-
Income
82 000
82 000
82 000
82 000
Total tax
27 609
39 667
22 498
28 117
After tax
54 391
42 333
59 502
53 883
Living cost
35 580
35 580
35 580
35 580
Free-cash
18 811
6 753
23 922
18 303

Estimated living cost  is ₽35580 per week

₽24544
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3828
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽516
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6691
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽4856
₽4902
₽4856
₽6937
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
82 000
income
-
-
-
17 568
social contributions
-
-
-
7 078
total
-
-
-
24 646
Employee
72 089
-
82 000
-
income
13 603
-
17 568
-
social contributions
5 989
-
7 078
-
total
19 592
-
24 646
-
Employer
72 089
-
82 000
-
total
-
-
-
-
Corporate
9 911
82 000
-
-
income
1 238
10 250
-
-
total
1 238
10 250
-
-
Dividends
8 673
71 750
-
-
withholding
1 735
14 350
-
-
total
1 735
14 350
-
-
Income
82 000
82 000
82 000
82 000
Total tax
22 565
24 600
24 646
24 646
After tax
59 435
57 400
57 354
57 354
Living cost
52 498
52 498
52 498
52 498
Free-cash
6 937
4 902
4 856
4 856

Estimated living cost  is ₽52498 per week

₽39939
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4278
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽502
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7779
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽26610
₽14978
₽16640
₽19607
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
26 233
health

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

-
-
-
5 673
total
-
-
-
31 906
Employee
42 277
-
77 761
-
income
4 587
-
13 458
-
social contributions
4 236
-
4 239
-
total
8 823
-
17 697
-
Employer
42 277
-
77 761
-
social contributions
4 236
-
4 239
-
total
4 236
-
4 239
-
Corporate
35 487
82 000
-
-
income
12 421
28 699
-
-
total
12 421
28 699
-
-
Dividends
23 066
53 301
-
-
social contributions
3 459
4 869
-
-
total
3 459
4 869
-
-
Income
82 000
82 000
82 000
82 000
Total tax
28 939
33 568
21 936
31 906
After tax
53 061
48 432
60 064
50 094
Living cost
33 454
33 454
33 454
33 454
Free-cash
19 607
14 978
26 610
16 640

Estimated living cost  is ₽33454 per week

₽22036
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2637
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽512
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8267
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽17833
₽27621
₽26903
₽22484
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
15 419
pensions
-
-
-
5 861
total
-
-
-
21 280
Employee
46 419
-
72 356
-
income
8 453
-
12 912
-
health
606
-
1 137
-
pensions
3 543
-
6 657
-
total
12 602
-
20 706
-
Employer
46 419
-
72 356
-
health
882
-
1 375
-
pensions
4 690
-
8 269
-
total
5 572
-
9 644
-
Corporate
30 009
82 000
-
-
income

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

5 702
15 579
-
-
total
5 702
15 579
-
-
Dividends
24 307
66 421
-
-
withholding
1 823
4 983
-
-
total
1 823
4 983
-
-
Income
82 000
82 000
82 000
82 000
Total tax
25 699
20 562
30 350
21 280
After tax
56 301
61 438
51 650
60 720
Living cost
33 817
33 817
33 817
33 817
Free-cash
22 484
27 621
17 833
26 903

Estimated living cost  is ₽33817 per week

₽23198
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3110
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽423
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7084
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
₽19541
-₽15490
₽34218
₽3248
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
344
health
-
-
-
2 026
accident
-
-
-
235
income
-
-
-
19 179
pensions
-
-
-
3 866
total
-
-
-
25 650
Employee
34 815
-
68 925
-
income
4 776
-
12 272
-
pensions
3 920
-
7 088
-
health
3 986
-
7 892
-
total
12 682
-
27 252
-
Employer
34 815
-
68 925
-
unemployment
853
-
1 688
-
accident
581
-
1 151
-
pensions
5 661
-
10 236
-
total
7 095
-
13 075
-
Corporate
40 090
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.

36 081
73 800
-
-
total
36 081
73 800
-
-
Dividends
4 009
8 200
-
-
withholding
762
1 558
-
-
total
762
1 558
-
-
Income
82 000
82 000
82 000
82 000
Total tax
56 620
75 358
40 327
25 650
After tax
25 380
6 642
41 673
56 350
Living cost
22 132
22 132
22 132
22 132
Free-cash
3 248
-15 490
19 541
34 218

Estimated living cost  is ₽22132 per week

₽16243
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1290
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽446
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4154
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽37016
₽57266
₽34708
₽52790
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
12 308
health insurance
-
-
-
6 068
work injury
-
-
-
410
pensions
-
-
-
15 088
unemployment
-
-
-
984
total
-
-
-
34 858
Employee

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

19 895
-
82 000
-
income
1 989
-
12 308
-
work injury
99
-
368
-
health insurance
1 472
-
5 447
-
pensions
3 661
-
13 544
-
unemployment
239
-
883
-
total
7 460
-
32 550
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
62 105
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
62 105
82 000
-
-
withholding
9 316
12 300
-
-
total
9 316
12 300
-
-
Income
82 000
82 000
82 000
82 000
Total tax
16 776
12 300
32 550
34 858
After tax
65 224
69 700
49 450
47 142
Living cost
12 434
12 434
12 434
12 434
Free-cash
52 790
57 266
37 016
34 708

Estimated living cost  is ₽12434 per week

₽7703
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽904
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽388
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3440
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽1643
₽6479
₽5395
₽2286
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
national
-
-
-
16 711
regional
-
-
-
1 543
municipal
-
-
-
547
total
-
-
-
39 891
Employee
77 659
-
82 000
-
social contributions
26 186
-
27 650
-
municipal
463
-
490
-
national
13 124
-
14 217
-
regional
1 172
-
1 286
-
total
40 945
-
43 643
-
Employer
77 659
-
82 000
-
total
-
-
-
-
Corporate
4 341
82 000
-
-
nationa
1 042
19 680
-
-
municipal
210
3 952
-
-
total
1 252
23 632
-
-
Dividends
3 089
58 367
-
-
withholding
803
15 175
-
-
total
803
15 175
-
-
Income
82 000
82 000
82 000
82 000
Total tax
43 000
38 807
43 643
39 891
After tax
39 000
43 193
38 357
42 109
Living cost
36 714
36 714
36 714
36 714
Free-cash
2 286
6 479
1 643
5 395

Estimated living cost  is ₽36714 per week

₽25789
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2525
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽554
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7844
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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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