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
₽ 89000
per

Your estimated
City
free-cash

Dresden , Germany
₽35248
₽16184
₽28201
₽26714
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
89 000
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.

-
-
-
6 503
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.

-
-
-
17 456
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.

-
-
-
959
trade
-
-
-
7 047
total
-
-
-
31 965
Employee

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

36 410
-
89 000
-
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.

56
-
959
-
income

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

1 017
-
17 456
-
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.

6 503
-
6 503
-
total
7 576
-
24 918
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
52 590
89 000
-
-
chamber of commerce
220
273
-
-
surtax

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

434
733
-
-
trade
8 283
14 018
-
-
income
7 889
13 350
-
-
total
16 826
28 374
-
-
Dividends
35 764
60 625
-
-
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.

471
813
-
-
withholding
8 579
14 795
-
-
total
9 050
15 608
-
-
Income
89 000
89 000
89 000
89 000
Total tax
33 452
43 982
24 918
31 965
After tax
55 548
45 018
64 082
57 035
Living cost
28 834
28 834
28 834
28 834
Free-cash
26 714
16 184
35 248
28 201

Estimated living cost  is ₽28834 per week

₽18137
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3362
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽538
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6796
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽4417
₽5198
₽3719
₽3885
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
social contributions
-
-
-
957
pensions
-
-
-
10 680
national
-
-
-
14 165
municipal
-
-
-
9 141
total
-
-
-
34 943
Employee
78 034
-
76 940
-
municipal
9 638
-
9 486
-
national
14 936
-
14 699
-
pensions
3 121
-
3 078
-
total
27 695
-
27 263
-
Employer
78 034
-
76 940
-
pensions
6 243
-
6 155
-
social contributions
839
-
827
-
total
7 082
-
6 982
-
Corporate
-
89 000
-
-
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%.

-
17 800
-
-
total
-
17 800
-
-
Dividends
-
71 200
-
-
withholding
-
15 664
-
-
total
-
15 664
-
-
Income
89 000
89 000
89 000
89 000
Total tax
34 777
33 464
34 245
34 943
After tax
54 223
55 536
54 755
54 057
Living cost
50 338
50 338
50 338
50 338
Free-cash
3 885
5 198
4 417
3 719

Estimated living cost  is ₽50338 per week

₽34214
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4679
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽753
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10691
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽30433
₽51397
₽27779
₽43587
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
89 000
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.

-
-
-
28 613
income
-
-
-
12 804
surtax
-
-
-
-
microenterprise
-
-
-
-
total
-
-
-
41 417
Employee
27 816
-
71 723
-
surtax
-
-
-
-
social contributions

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

3 060
-
7 889
-
income
4 952
-
13 597
-
total
8 012
-
21 486
-
Employer
27 816
-
71 723
-
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.

6 700
-
17 277
-
total
6 700
-
17 277
-
Corporate
54 483
89 000
-
-
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%.

10 897
17 799
-
-
total
10 897
17 799
-
-
Dividends

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

43 587
71 201
-
-
total
-
-
-
-
Income
89 000
89 000
89 000
89 000
Total tax
25 609
17 799
38 763
41 417
After tax
63 391
71 201
50 237
47 583
Living cost
19 804
19 804
19 804
19 804
Free-cash
43 587
51 397
30 433
27 779

Estimated living cost  is ₽19804 per week

₽12635
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1886
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽450
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4834
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽5530
-₽186
₽10675
-₽5530
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
health
-
-
-
11 052
income
-
-
-
16 242
pensions
-
-
-
11 153
total
-
-
-
38 447
Employee
81 292
81 292
81 292
-
income

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

13 306
13 306
13 306
-
pensions
14 633
11 153
14 633
-
health
12 477
10 613
12 477
-
total
40 416
35 072
40 416
-
Employer
81 292
81 292
81 292
-
unemployment
2 927
2 927
2 927
-
health
5 651
5 651
5 651
-
pensions
5 658
5 658
5 658
-
total
14 236
14 236
14 236
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
89 000
89 000
89 000
89 000
Total tax
54 652
49 308
54 652
38 447
After tax
34 348
39 692
34 348
50 553
Living cost
39 878
39 878
39 878
39 878
Free-cash
-5 530
-186
-5 530
10 675

Estimated living cost  is ₽39878 per week

₽28261
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3595
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽634
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7389
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽8385
₽9453
₽5878
₽8574
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
other
-
-
-
9 968
health
-
-
-
5 353
accident
-
-
-
172
pensions
-
-
-
9 273
national
-
-
-
-
unemployment
-
-
-
86
municipal
-
-
-
19 129
total
-
-
-
43 981
Employee
55 773
-
67 722
-
municipal
16 631
-
20 195
-
national
-
-
-
-
total
16 631
-
20 195
-
Employer
55 773
-
67 722
-
other
6 481
-
7 869
-
unemployment
1 472
-
1 788
-
health
3 430
-
4 165
-
accident
112
-
136
-
pensions
6 029
-
7 321
-
total
17 524
-
21 279
-
Corporate
15 704
89 000
-
-
income
3 455
19 580
-
-
total
3 455
19 580
-
-
Dividends
12 249
69 420
-
-
withholding
3 675
20 826
-
-
total
3 675
20 826
-
-
Income
89 000
89 000
89 000
89 000
Total tax
41 285
40 406
41 474
43 981
After tax
47 715
48 594
47 526
45 019
Living cost
39 141
39 141
39 141
39 141
Free-cash
8 574
9 453
8 385
5 878

Estimated living cost  is ₽39141 per week

₽25941
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3841
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽594
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8765
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽26686
₽7164
₽19326
₽20539
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
89 000
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.

-
-
-
6 503
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.

-
-
-
17 456
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.

-
-
-
959
trade
-
-
-
7 360
total
-
-
-
32 278
Employee

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

48 275
-
89 000
-
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.

228
-
959
-
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.

4 148
-
17 456
-
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.

6 503
-
6 503
-
total
10 879
-
24 918
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
40 725
89 000
-
-
chamber of commerce
202
271
-
-
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.

336
733
-
-
trade
6 698
14 640
-
-
income
6 110
13 350
-
-
total
13 346
28 994
-
-
Dividends
27 379
60 006
-
-
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.

356
806
-
-
withholding
6 484
14 640
-
-
total
6 840
15 446
-
-
Income
89 000
89 000
89 000
89 000
Total tax
31 065
44 440
24 918
32 278
After tax
57 935
44 560
64 082
56 722
Living cost
37 396
37 396
37 396
37 396
Free-cash
20 539
7 164
26 686
19 326

Estimated living cost  is ₽37396 per week

₽25011
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3944
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽558
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7884
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽33017
₽34307
₽33106
₽30360
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
social contributions
-
-
-
13 885
health
-
-
-
2 269
income
-
-
-
8 864
total
-
-
-
25 018
Employee
73 200
73 200
80 800
-
social contributions
3 557
6 075
6 706
-
income
7 687
6 776
8 828
-
health
728
1 245
1 373
-
total
11 972
14 096
16 907
-
Employer
73 200
73 200
80 800
-
health
793
1 355
1 494
-
social contributions
3 557
6 075
6 706
-
total
4 350
7 430
8 200
-
Corporate
41 802
8 370
-
-
income
5 224
1 046
-
-
total
5 224
1 046
-
-
Dividends
36 578
7 324
-
-
withholding
6 218
1 245
-
-
total
6 218
1 245
-
-
Income
89 000
89 000
89 000
89 000
Total tax
27 764
23 817
25 107
25 018
After tax
61 236
65 183
63 893
63 982
Living cost
30 876
30 876
30 876
30 876
Free-cash
30 360
34 307
33 017
33 106

Estimated living cost  is ₽30876 per week

₽21107
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2412
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽518
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6839
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽33916
₽32490
₽43977
₽32859
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
health
-
-
-
6 230
income
-
-
-
10 880
pensions
-
-
-
8 900
unemployment
-
-
-
1 335
total
-
-
-
27 345
Employee

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

The minimum wage is 138,000 HUF per month.

25 519
10 156
74 477
-
income
3 120
1 242
9 105
-
pensions
2 552
1 016
7 448
-
health
1 786
711
5 213
-
unemployment
383
152
1 117
-
total
7 841
3 121
22 883
-
Employer

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

The minimum wage is 138,000 HUF per month.

25 519
10 156
74 477
-
pensions
4 976
1 980
14 523
-
total
4 976
1 980
14 523
-
Corporate
58 505
76 863
-
-
income
5 265
6 918
-
-
total
5 265
6 918
-
-
Dividends
53 239
69 946
-
-
social contributions
10 266
13 523
-
-
withholding
10 115
13 290
-
-
total
20 381
26 813
-
-
Income
89 000
89 000
89 000
89 000
Total tax
38 463
38 832
37 406
27 345
After tax
50 537
50 168
51 594
61 655
Living cost
17 678
17 678
17 678
17 678
Free-cash
32 859
32 490
33 916
43 977

Estimated living cost  is ₽17678 per week

₽12064
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1446
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽353
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3815
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽28305
₽48208
₽24709
₽42294
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
health
-
-
-
11 571
income
-
-
-
11 926
pensions
-
-
-
17 801
total
-
-
-
41 298
Employee
27 005
-
66 516
-
income
3 040
-
12 824
-
pensions
540
-
1 330
-
unemployment
432
-
1 064
-
total
4 012
-
15 218
-
Employer
27 005
-
66 516
-
unemployment
217
-
533
-
health
3 510
-
8 648
-
pensions
5 401
-
13 303
-
total
9 128
-
22 484
-
Corporate
52 867
89 000
-
-
income
10 573
17 799
-
-
total
10 573
17 799
-
-
Dividends
42 293
71 201
-
-
total
-
-
-
-
Income
89 000
89 000
89 000
89 000
Total tax
23 713
17 799
37 702
41 298
After tax
65 287
71 201
51 298
47 702
Living cost
22 993
22 993
22 993
22 993
Free-cash
42 294
48 208
28 305
24 709

Estimated living cost  is ₽22993 per week

₽15771
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1369
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽462
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5391
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽24537
-₽13810
₽40108
₽3986
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
other
-
-
-
354
health
-
-
-
2 084
accident
-
-
-
241
income
-
-
-
21 219
pensions
-
-
-
3 975
total
-
-
-
27 873
Employee
33 064
-
75 368
-
income
4 536
-
13 893
-
pensions
3 723
-
7 289
-
health
3 786
-
8 630
-
total
12 045
-
29 812
-
Employer
33 064
-
75 368
-
unemployment
810
-
1 847
-
accident
552
-
1 259
-
pensions
5 376
-
10 526
-
total
6 738
-
13 632
-
Corporate
49 197
89 000
-
-
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.

44 277
80 100
-
-
total
44 277
80 100
-
-
Dividends
4 920
8 900
-
-
withholding
935
1 691
-
-
total
935
1 691
-
-
Income
89 000
89 000
89 000
89 000
Total tax
63 995
81 791
43 444
27 873
After tax
25 005
7 209
45 556
61 127
Living cost
21 019
21 019
21 019
21 019
Free-cash
3 986
-13 810
24 537
40 108

Estimated living cost  is ₽21019 per week

₽15405
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1165
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽439
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4011
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽63293
₽76643
₽80203
₽75161
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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%.

-
-
-
89 000
microenterprise

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

-
-
-
890
total
-
-
-
890
Employee
9 884
-
89 000
-
income
1 976
-
17 800
-
total
1 976
-
17 800
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

79 116
89 000
-
-
total
-
-
-
-
Dividends
79 116
89 000
-
-
withholding
3 956
4 450
-
-
total
3 956
4 450
-
-
Income
89 000
89 000
89 000
89 000
Total tax
5 932
4 450
17 800
890
After tax
83 068
84 550
71 200
88 110
Living cost
7 907
7 907
7 907
7 907
Free-cash
75 161
76 643
63 293
80 203

Estimated living cost  is ₽7907 per week

₽4900
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽657
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽217
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2132
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽26807
₽40024
₽22827
₽33594
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
other
-
-
-
4 227
health
-
-
-
3 916
income
-
-
-
11 305
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.

-
-
-
21 360
total
-
-
-
40 808
Employee
34 564
-
71 085
-
income
5 951
-
12 237
-
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.

2 419
-
4 975
-
health
484
-
995
-
unemployment
345
-
710
-
total
9 199
-
18 917
-
Employer
34 564
-
71 085
-
other
1 729
-
3 553
-
unemployment
345
-
710
-
health
484
-
995
-
accident
276
-
569
-
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.

5 877
-
12 084
-
total
8 711
-
17 911
-
Corporate
45 725
89 000
-
-
income
9 602
18 690
-
-
total
9 602
18 690
-
-
Dividends
36 123
70 310
-
-
withholding
2 529
4 921
-
-
total
2 529
4 921
-
-
Income
89 000
89 000
89 000
89 000
Total tax
30 041
23 611
36 828
40 808
After tax
58 959
65 389
52 172
48 192
Living cost
25 365
25 365
25 365
25 365
Free-cash
33 594
40 024
26 807
22 827

Estimated living cost  is ₽25365 per week

₽17922
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1713
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽408
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5322
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽6884
₽3707
₽2255
-₽12007
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
income
-
-
-
17 518
pensions
-
-
-
6 442
total
-
-
-
23 960
Employee
88 831
-
78 454
-
income
16 013
-
13 976
-
health
1 464
-
1 251
-
pensions
8 570
-
7 325
-
total
26 047
-
22 552
-
Employer
88 831
-
78 454
-
health
1 687
-
1 491
-
pensions
10 488
-
9 056
-
total
12 175
-
10 547
-
Corporate
-
89 000
-
-
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.

-
16 910
-
-
total
-
16 910
-
-
Dividends
-
72 090
-
-
withholding
-
5 598
-
-
total
-
5 598
-
-
Income
89 000
89 000
89 000
89 000
Total tax
38 222
22 508
33 099
23 960
After tax
50 778
66 492
55 901
65 040
Living cost
62 785
62 785
62 785
62 785
Free-cash
-12 007
3 707
-6 884
2 255

Estimated living cost  is ₽62785 per week

₽47046
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽7377
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽511
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7852
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
₽57162
₽63738
₽54503
₽59360
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
health
-
-
-
3 786
income
-
-
-
13 350
pensions

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

-
-
-
4 872
unemployment
-
-
-
132
total
-
-
-
22 140
Employee
16 363
-
82 541
-
income
1 636
-
8 254
-
accident

We are using the highest rate at 1.1%.

180
-
362
-
pensions

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

1 437
-
2 891
-
health
753
-
1 514
-
total
4 006
-
13 021
-
Employer
16 363
-
82 541
-
unemployment
98
-
198
-
health
1 129
-
2 272
-
accident

We are using the highest rate at 1.1%.

180
-
362
-
pensions

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

1 803
-
3 628
-
total
3 210
-
6 460
-
Corporate
69 426
89 000
-
-
income
6 943
8 900
-
-
total
6 943
8 900
-
-
Dividends
62 483
80 100
-
-
withholding
3 124
4 005
-
-
total
3 124
4 005
-
-
Income
89 000
89 000
89 000
89 000
Total tax
17 283
12 905
19 481
22 140
After tax
71 717
76 095
69 519
66 860
Living cost
12 357
12 357
12 357
12 357
Free-cash
59 360
63 738
57 162
54 503

Estimated living cost  is ₽12357 per week

₽7214
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽882
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽327
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3933
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽18439
-₽13095
-₽2234
-₽14710
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
health
-
-
-
11 052
income
-
-
-
16 242
pensions
-
-
-
11 153
total
-
-
-
38 447
Employee
88 257
81 292
81 292
-
income

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

13 306
13 306
13 306
-
pensions
11 153
11 153
14 633
-
health
11 011
10 613
12 477
-
total
35 470
35 072
40 416
-
Employer
88 257
81 292
81 292
-
unemployment
3 178
2 927
2 927
-
health
6 133
5 651
5 651
-
pensions
6 142
5 658
5 658
-
total
15 453
14 236
14 236
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
89 000
89 000
89 000
89 000
Total tax
50 923
49 308
54 652
38 447
After tax
38 077
39 692
34 348
50 553
Living cost
52 787
52 787
52 787
52 787
Free-cash
-14 710
-13 095
-18 439
-2 234

Estimated living cost  is ₽52787 per week

₽38939
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4715
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽605
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8528
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽21732
₽37844
₽19914
₽29485
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
social contributions
-
-
-
25 988
health
-
-
-
12 015
income
-
-
-
7 650
solidarity contribution
-
-
-
-
total
-
-
-
45 653
Employee
34 460
-
66 418
-
social contributions
2 240
-
4 317
-
solidarity contribution
-
-
-
-
income
4 135
-
7 970
-
health
4 652
-
8 966
-
total
11 027
-
21 253
-
Employer
34 460
-
66 418
-
health
3 101
-
5 978
-
social contributions
8 615
-
16 604
-
total
11 716
-
22 582
-
Corporate
42 823
89 000
-
-
income
8 136
16 910
-
-
total
8 136
16 910
-
-
Dividends
34 687
72 090
-
-
withholding
5 203
10 813
-
-
total
5 203
10 813
-
-
Income
89 000
89 000
89 000
89 000
Total tax
36 082
27 723
43 835
45 653
After tax
52 918
61 277
45 165
43 347
Living cost
23 433
23 433
23 433
23 433
Free-cash
29 485
37 844
21 732
19 914

Estimated living cost  is ₽23433 per week

₽16277
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1667
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽461
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5028
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽1733
₽7316
₽5967
₽2346
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
social contributions
-
-
-
22 890
national
-
-
-
18 473
regional
-
-
-
972
municipal
-
-
-
529
total
-
-
-
42 864
Employee
84 603
-
89 000
-
social contributions
28 528
-
30 011
-
municipal
448
-
471
-
national
14 660
-
15 767
-
regional
798
-
849
-
total
44 434
-
47 098
-
Employer
84 603
-
89 000
-
total
-
-
-
-
Corporate
4 397
89 000
-
-
nationa
1 055
21 360
-
-
municipal
172
3 470
-
-
total
1 227
24 830
-
-
Dividends
3 170
64 170
-
-
withholding
824
16 685
-
-
total
824
16 685
-
-
Income
89 000
89 000
89 000
89 000
Total tax
46 485
41 515
47 098
42 864
After tax
42 515
47 485
41 902
46 136
Living cost
40 169
40 169
40 169
40 169
Free-cash
2 346
7 316
1 733
5 967

Estimated living cost  is ₽40169 per week

₽28001
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2634
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽616
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8917
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽23702
₽34975
₽25419
₽32012
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
other
-
-
-
-
health
-
-
-
6 319
income
-
-
-
16 338
pensions
-
-
-
17 799
surtax
-
-
-
1 902
unemployment
-
-
-
217
total
-
-
-
42 575
Employee
31 480
-
73 524
-
surtax
103
-
1 704
-
income
5 277
-
15 214
-
other
-
-
-
-
pensions
2 099
-
4 905
-
health
804
-
1 875
-
unemployment
2 191
-
5 118
-
total
10 474
-
28 816
-
Employer
31 480
-
73 524
-
other
-
-
-
-
unemployment
997
-
2 330
-
health
1 433
-
3 346
-
pensions
4 196
-
9 800
-
total
6 626
-
15 476
-
Corporate
50 894
89 000
-
-
income
13 233
23 139
-
-
total
13 233
23 139
-
-
Dividends
37 661
65 861
-
-
withholding
5 649
9 880
-
-
total
5 649
9 880
-
-
Income
89 000
89 000
89 000
89 000
Total tax
35 982
33 019
44 292
42 575
After tax
53 018
55 981
44 708
46 425
Living cost
21 006
21 006
21 006
21 006
Free-cash
32 012
34 975
23 702
25 419

Estimated living cost  is ₽21006 per week

₽12844
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1938
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽484
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5739
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽13008
₽23599
₽22147
₽16404
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
income
-
-
-
17 518
pensions
-
-
-
6 442
total
-
-
-
23 960
Employee
59 532
-
78 454
-
income
10 722
-
13 976
-
health
864
-
1 251
-
pensions
5 053
-
7 325
-
total
16 639
-
22 552
-
Employer
59 532
-
78 454
-
health
1 131
-
1 491
-
pensions
6 444
-
9 056
-
total
7 575
-
10 547
-
Corporate
21 893
89 000
-
-
income

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

4 160
16 910
-
-
total
4 160
16 910
-
-
Dividends
17 733
72 090
-
-
withholding
1 329
5 598
-
-
total
1 329
5 598
-
-
Income
89 000
89 000
89 000
89 000
Total tax
29 703
22 508
33 099
23 960
After tax
59 297
66 492
55 901
65 040
Living cost
42 893
42 893
42 893
42 893
Free-cash
16 404
23 599
13 008
22 147

Estimated living cost  is ₽42893 per week

₽32135
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3215
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.
₽7094
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽6080
-₽35436
-₽1509
-₽8582
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
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.

-
-
-
1 779
health
-
-
-
248
pensions
-
-
-
8 187
city
-
-
-
937
national
-
-
-
406
regional
-
-
-
2 818
total
-
-
-
14 375
Employee
89 097
-
79 659
-
national
422
-
347
-
city
956
-
856
-
pensions
7 485
-
6 691
-
health
201
-
180
-
regional
2 917
-
2 407
-
unemployment
-
-
-
-
total
11 981
-
10 481
-
Employer
89 097
-
79 659
-
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.

1 781
-
1 594
-
unemployment
-
-
-
-
health
201
-
180
-
pensions
7 485
-
6 691
-
total
9 467
-
8 465
-
Corporate
-
89 000
-
-
regional
-
18 823
-
-
national
-
7 565
-
-
total
-
26 388
-
-
Dividends
-
62 612
-
-
withholding
-
21 914
-
-
total
-
21 914
-
-
Income
89 000
89 000
89 000
89 000
Total tax
21 448
48 302
18 946
14 375
After tax
67 552
40 698
70 054
74 625
Living cost
76 134
76 134
76 134
76 134
Free-cash
-8 582
-35 436
-6 080
-1 509

Estimated living cost  is ₽76134 per week

₽49509
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6832
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽935
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽18858
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
₽20473
₽495
₽12801
₽15930
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
89 000
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.

-
-
-
6 503
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.

-
-
-
17 456
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.

-
-
-
959
trade
-
-
-
7 672
total
-
-
-
32 590
Employee

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

57 210
-
89 000
-
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.

370
-
959
-
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.

6 727
-
17 456
-
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.

6 503
-
6 503
-
total
13 600
-
24 918
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
31 790
89 000
-
-
chamber of commerce
190
269
-
-
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.

262
733
-
-
trade
5 452
15 263
-
-
income
4 769
13 350
-
-
total
10 673
29 615
-
-
Dividends
21 117
59 384
-
-
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.

271
797
-
-
withholding
4 917
14 484
-
-
total
5 188
15 281
-
-
Income
89 000
89 000
89 000
89 000
Total tax
29 461
44 896
24 918
32 590
After tax
59 539
44 104
64 082
56 410
Living cost
43 609
43 609
43 609
43 609
Free-cash
15 930
495
20 473
12 801

Estimated living cost  is ₽43609 per week

₽31850
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3488
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽567
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7705
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽18325
₽12289
₽18861
₽17910
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
other
-
-
-
2 760
social contributions
-
-
-
2 536
health
-
-
-
1 308
income
-
-
-
7 599
pensions
-
-
-
23 367
surtax
-
-
-
-
total
-
-
-
37 570
Employee
40 742
-
67 821
-
surtax
-
-
-
-
social contributions
1 162
-
1 931
-
income
2 404
-
7 327
-
pensions
4 607
-
7 670
-
total
8 173
-
16 928
-
Employer
40 742
-
67 821
-
other
1 405
-
2 339
-
unemployment
1 649
-
2 746
-
health
2 852
-
4 747
-
pensions
6 693
-
11 142
-
social contributions
123
-
204
-
total
12 722
-
21 178
-
Corporate
35 535
89 000
-
-
surtax
-
-
-
-
income
9 950
24 921
-
-
total
9 950
24 921
-
-
Dividends
25 585
64 079
-
-
social contributions
4 401
11 020
-
-
surtax
-
-
-
-
withholding
3 275
8 201
-
-
total
7 676
19 221
-
-
Income
89 000
89 000
89 000
89 000
Total tax
38 521
44 142
38 106
37 570
After tax
50 479
44 858
50 894
51 430
Living cost
32 569
32 569
32 569
32 569
Free-cash
17 910
12 289
18 325
18 861

Estimated living cost  is ₽32569 per week

₽20536
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2648
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽555
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8832
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽21552
₽15516
₽22088
₽20805
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
other
-
-
-
2 760
social contributions
-
-
-
2 536
health
-
-
-
1 308
income
-
-
-
7 599
pensions
-
-
-
23 367
surtax
-
-
-
-
total
-
-
-
37 570
Employee
36 368
-
67 821
-
surtax
-
-
-
-
social contributions
1 037
-
1 931
-
income
1 875
-
7 327
-
pensions
4 113
-
7 670
-
total
7 025
-
16 928
-
Employer
36 368
-
67 821
-
other
1 256
-
2 339
-
unemployment
1 472
-
2 746
-
health
2 545
-
4 747
-
pensions
5 976
-
11 142
-
social contributions
108
-
204
-
total
11 357
-
21 178
-
Corporate
41 275
89 000
-
-
surtax
-
-
-
-
income
11 556
24 921
-
-
total
11 556
24 921
-
-
Dividends
29 719
64 079
-
-
social contributions
5 111
11 020
-
-
surtax
-
-
-
-
withholding
3 804
8 201
-
-
total
8 915
19 221
-
-
Income
89 000
89 000
89 000
89 000
Total tax
38 853
44 142
38 106
37 570
After tax
50 147
44 858
50 894
51 430
Living cost
29 342
29 342
29 342
29 342
Free-cash
20 805
15 516
21 552
22 088

Estimated living cost  is ₽29342 per week

₽17017
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2981
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽556
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8789
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽37446
₽34112
₽36969
₽34607
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
social contributions
-
-
-
12 282
health
-
-
-
6 213
income
-
-
-
13 350
total
-
-
-
31 845
Employee
32 277
-
89 000
-
social contributions
4 455
-
12 282
-
income
5 383
-
12 873
-
health
2 253
-
6 213
-
total
12 091
-
31 368
-
Employer
32 277
-
89 000
-
total
-
-
-
-
Corporate
56 723
89 000
-
-
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%.

2 836
4 449
-
-
total
2 836
4 449
-
-
Dividends
53 887
84 551
-
-
social contributions
7 437
11 668
-
-
withholding
8 082
12 683
-
-
health
3 761
5 902
-
-
total
19 280
30 253
-
-
Income
89 000
89 000
89 000
89 000
Total tax
34 207
34 702
31 368
31 845
After tax
54 793
54 298
57 632
57 155
Living cost
20 186
20 186
20 186
20 186
Free-cash
34 607
34 112
37 446
36 969

Estimated living cost  is ₽20186 per week

₽13509
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1245
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽464
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4966
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽5740
₽16452
₽12028
₽14982
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
health
-
-
-
6 809
income
-
-
-
13 773
chamber of commerce
-
-
-
356
pensions
-
-
-
16 464
surtax
-
-
-
188
unemployment
-
-
-
5 839
total
-
-
-
43 429
Employee
47 574
37 936
68 964
-
income
5 416
2 798
12 338
-
other
475
379
690
-
pensions
4 872
3 884
7 062
-
health
1 841
1 469
2 668
-
unemployment
1 427
1 138
2 068
-
total
14 031
9 668
24 826
-
Employer
47 574
37 936
68 964
-
other
2 260
1 801
3 275
-
unemployment
1 427
1 138
2 068
-
health
1 797
1 434
2 607
-
surtax
188
188
188
-
accident
618
493
896
-
pensions
5 970
4 762
8 655
-
payroll
1 427
1 138
2 068
-
chamber of commerce
190
152
276
-
total
13 877
11 106
20 033
-
Corporate
27 549
39 957
65 353
-
income

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

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

6 886
9 990
16 338
-
total
6 886
9 990
16 338
-
Dividends
20 662
29 967
-
-
withholding
5 681
8 241
-
-
total
5 681
8 241
-
-
Income
89 000
89 000
89 000
89 000
Total tax
40 475
39 005
61 197
43 429
After tax
48 525
49 995
27 803
45 571
Living cost
33 543
33 543
33 543
33 543
Free-cash
14 982
16 452
-5 740
12 028

Estimated living cost  is ₽33543 per week

₽22372
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2861
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽551
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7759
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽354
₽15229
₽7849
₽863
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
social contributions
-
-
-
13 549
communal

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

-
-
-
4 527
national
-
-
-
28 366
total
-
-
-
46 442
Employee

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

68 093
-
68 932
-
national
20 935
-
21 262
-
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.

5 107
-
5 170
-
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.

3 199
-
3 241
-
communal

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

3 552
-
3 595
-
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.

593
-
600
-
total
33 386
-
33 868
-
Employer

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

68 093
-
68 932
-
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.

994
-
1 006
-
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.

4 187
-
4 240
-
surtax
7 721
-
7 819
-
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.

885
-
896
-
pensions

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

6 034
-
6 108
-
total
19 821
-
20 069
-
Corporate
1 086
89 000
-
-
surtax
4
356
-
-
income
217
17 799
-
-
total
221
18 155
-
-
Dividends
866
70 845
-
-
withholding

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

-
20 907
-
-
total
-
20 907
-
-
Income
89 000
89 000
89 000
89 000
Total tax
53 428
39 062
53 937
46 442
After tax
35 572
49 938
35 063
42 558
Living cost
34 709
34 709
34 709
34 709
Free-cash
863
15 229
354
7 849

Estimated living cost  is ₽34709 per week

₽22357
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3035
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽544
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8774
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽13176
₽25601
₽12705
₽18017
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
other
-
-
-
89
accident
-
-
-
795
income
-
-
-
15 445
pensions
-
-
-
24 969
unemployment
-
-
-
618
total
-
-
-
41 916
Employee
47 385
-
67 485
-
income
9 998
-
15 645
-
other
47
-
67
-
pensions
2 227
-
3 172
-
unemployment
735
-
1 046
-
total
13 007
-
19 930
-
Employer
47 385
-
67 485
-
other
378
-
540
-
unemployment
2 607
-
3 712
-
accident
938
-
1 337
-
pensions
11 182
-
15 926
-
total
15 105
-
21 515
-
Corporate
26 510
89 000
-
-
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.

3 976
13 350
-
-
total
3 976
13 350
-
-
Dividends
22 534
75 650
-
-
withholding
4 516
15 670
-
-
total
4 516
15 670
-
-
Income
89 000
89 000
89 000
89 000
Total tax
36 604
29 020
41 445
41 916
After tax
52 396
59 980
47 555
47 084
Living cost
34 379
34 379
34 379
34 379
Free-cash
18 017
25 601
13 176
12 705

Estimated living cost  is ₽34379 per week

₽25316
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2439
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.
₽6128
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽4118
₽2922
-₽52
-₽3259
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
health
-
-
-
6 254
accident
-
-
-
750
income
-
-
-
6 940
pensions
-
-
-
13 339
communal
-
-
-
5 625
surtax
-
-
-
4 411
total
-
-
-
37 319
Employee
72 090
-
79 500
-
surtax
4 419
-
4 872
-
income
6 963
-
8 879
-
pensions
5 766
-
6 361
-
health
3 208
-
3 537
-
total
20 356
-
23 649
-
Employer
72 090
-
79 500
-
health
2 199
-
2 424
-
accident
649
-
715
-
pensions
5 766
-
6 361
-
total
8 614
-
9 500
-
Corporate
8 297
89 000
-
-
surtax
87
934
-
-
income
1 245
13 350
-
-
communal
-
6 008
-
-
total
1 332
20 292
-
-
Dividends
6 965
68 708
-
-
income
9 180
3 747
-
-
withholding
1 044
10 306
-
-
total
10 224
14 053
-
-
Income
89 000
89 000
89 000
89 000
Total tax
40 526
34 345
33 149
37 319
After tax
48 474
54 655
55 851
51 681
Living cost
51 733
51 733
51 733
51 733
Free-cash
-3 259
2 922
4 118
-52

Estimated living cost  is ₽51733 per week

₽38807
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3134
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽547
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9242
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽23326
₽34599
₽25043
₽31572
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
other
-
-
-
-
health
-
-
-
6 319
income
-
-
-
16 338
pensions
-
-
-
17 799
surtax
-
-
-
1 902
unemployment
-
-
-
217
total
-
-
-
42 575
Employee
32 058
-
73 524
-
surtax
114
-
1 704
-
income
5 374
-
15 214
-
other
-
-
-
-
pensions
2 139
-
4 905
-
health
818
-
1 875
-
unemployment
2 231
-
5 118
-
total
10 676
-
28 816
-
Employer
32 058
-
73 524
-
other
-
-
-
-
unemployment
1 017
-
2 330
-
health
1 458
-
3 346
-
pensions
4 274
-
9 800
-
total
6 749
-
15 476
-
Corporate
50 193
89 000
-
-
income
13 050
23 139
-
-
total
13 050
23 139
-
-
Dividends
37 143
65 861
-
-
withholding
5 571
9 880
-
-
total
5 571
9 880
-
-
Income
89 000
89 000
89 000
89 000
Total tax
36 046
33 019
44 292
42 575
After tax
52 954
55 981
44 708
46 425
Living cost
21 382
21 382
21 382
21 382
Free-cash
31 572
34 599
23 326
25 043

Estimated living cost  is ₽21382 per week

₽12909
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1859
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽497
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6119
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽15911
₽21138
₽20124
₽19023
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
social contributions
-
-
-
22 890
national
-
-
-
18 473
regional
-
-
-
1 341
municipal
-
-
-
529
total
-
-
-
43 233
Employee
52 806
-
89 000
-
social contributions
17 807
-
30 011
-
municipal
280
-
471
-
national
8 366
-
15 767
-
regional
711
-
1 197
-
total
27 164
-
47 446
-
Employer
52 806
-
89 000
-
total
-
-
-
-
Corporate
36 194
89 000
-
-
nationa
8 687
21 360
-
-
municipal
1 799
4 424
-
-
total
10 486
25 784
-
-
Dividends
25 708
63 216
-
-
withholding
6 684
16 435
-
-
total
6 684
16 435
-
-
Income
89 000
89 000
89 000
89 000
Total tax
44 334
42 219
47 446
43 233
After tax
44 666
46 781
41 554
45 767
Living cost
25 643
25 643
25 643
25 643
Free-cash
19 023
21 138
15 911
20 124

Estimated living cost  is ₽25643 per week

₽15948
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2598
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽439
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6659
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽16289
₽32402
₽14472
₽22098
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
social contributions
-
-
-
25 988
health
-
-
-
12 015
income
-
-
-
7 650
solidarity contribution
-
-
-
-
total
-
-
-
45 653
Employee
42 464
-
66 418
-
social contributions
2 760
-
4 317
-
solidarity contribution
-
-
-
-
income
5 096
-
7 970
-
health
5 733
-
8 966
-
total
13 589
-
21 253
-
Employer
42 464
-
66 418
-
health
3 822
-
5 978
-
social contributions
10 616
-
16 604
-
total
14 438
-
22 582
-
Corporate
32 098
89 000
-
-
income
6 099
16 910
-
-
total
6 099
16 910
-
-
Dividends
26 000
72 090
-
-
withholding
3 900
10 813
-
-
total
3 900
10 813
-
-
Income
89 000
89 000
89 000
89 000
Total tax
38 026
27 723
43 835
45 653
After tax
50 974
61 277
45 165
43 347
Living cost
28 876
28 876
28 876
28 876
Free-cash
22 098
32 402
16 289
14 472

Estimated living cost  is ₽28876 per week

₽21474
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1600
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽500
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5303
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽2539
₽19728
₽15389
₽19256
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
health
-
-
-
6 809
income
-
-
-
13 773
chamber of commerce
-
-
-
356
pensions
-
-
-
16 464
surtax
-
-
-
-
unemployment
-
-
-
5 839
total
-
-
-
43 241
Employee
41 612
37 936
69 110
-
income
3 707
2 798
12 389
-
other
415
379
692
-
pensions
4 262
3 884
7 076
-
health
1 610
1 469
2 675
-
unemployment
1 248
1 138
2 074
-
total
11 242
9 668
24 906
-
Employer
41 612
37 936
69 110
-
other
1 976
1 801
3 282
-
unemployment
1 248
1 138
2 074
-
health
1 573
1 434
2 612
-
surtax
-
-
-
-
accident
540
493
898
-
pensions
5 223
4 762
8 673
-
payroll
1 248
1 138
2 074
-
chamber of commerce
166
152
276
-
total
11 974
10 918
19 889
-
Corporate
35 412
40 145
65 498
-
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.

8 854
10 037
16 374
-
total
8 854
10 037
16 374
-
Dividends
26 559
30 108
-
-
withholding
7 304
8 279
-
-
total
7 304
8 279
-
-
Income
89 000
89 000
89 000
89 000
Total tax
39 374
38 902
61 169
43 241
After tax
49 626
50 098
27 831
45 759
Living cost
30 370
30 370
30 370
30 370
Free-cash
19 256
19 728
-2 539
15 389

Estimated living cost  is ₽30370 per week

₽18218
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3102
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽542
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8509
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽58878
₽72228
₽75788
₽69917
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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%.

-
-
-
89 000
microenterprise

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

-
-
-
890
total
-
-
-
890
Employee
15 402
-
89 000
-
income
3 081
-
17 800
-
total
3 081
-
17 800
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

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

73 598
89 000
-
-
total
-
-
-
-
Dividends
73 598
89 000
-
-
withholding
3 680
4 450
-
-
total
3 680
4 450
-
-
Income
89 000
89 000
89 000
89 000
Total tax
6 761
4 450
17 800
890
After tax
82 239
84 550
71 200
88 110
Living cost
12 322
12 322
12 322
12 322
Free-cash
69 917
72 228
58 878
75 788

Estimated living cost  is ₽12322 per week

₽8338
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽517
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽413
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3053
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽18233
₽35742
₽20785
₽27780
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
89 000
health
-
-
-
8 758
income
-
-
-
17 537
pensions
-
-
-
16 253
unemployment
-
-
-
134
total
-
-
-
42 682
Employee

The minimum monthly earnings used to calculate contributions are 54% (gradually rising by two percent until reaching 60% by 2021) of the insured's average monthly wage in the last year.

42 095
-
77 008
-
income
7 259
-
16 223
-
pensions
6 525
-
11 936
-
health
2 719
-
4 975
-
unemployment
60
-
108
-
total
16 563
-
33 242
-
Employer

The minimum monthly earnings used to calculate contributions are 54% (gradually rising by two percent until reaching 60% by 2021) of the insured's average monthly wage in the last year.

42 095
-
77 008
-
unemployment
25
-
47
-
health
2 804
-
5 129
-
pensions
3 725
-
6 816
-
total
6 554
-
11 992
-
Corporate
40 351
89 000
-
-
income
7 667
16 911
-
-
total
7 667
16 911
-
-
Dividends
32 684
72 089
-
-
withholding
4 903
10 814
-
-
total
4 903
10 814
-
-
Income
89 000
89 000
89 000
89 000
Total tax
35 687
27 725
45 234
42 682
After tax
53 313
61 275
43 766
46 318
Living cost
25 533
25 533
25 533
25 533
Free-cash
27 780
35 742
18 233
20 785

Estimated living cost  is ₽25533 per week

₽17523
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1637
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.
₽5880
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽32721
₽11019
₽18377
-₽60037
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
social contributions
-
-
-
10 146
income
-
-
-
17 348
total
-
-
-
27 494
Employee
61 841
-
-
-
social contributions
5 071
-
723
-
income
13 641
-
-
-
total
18 712
-
723
-
Employer
61 841
-
-
-
social contributions
87 196
-
12 427
-
total
87 196
-
12 427
-
Corporate
-
89 000
-
-
income
-
19 580
-
-
total
-
19 580
-
-
Dividends
-
69 420
-
-
income
-
15 272
-
-
total
-
15 272
-
-
Income
89 000
89 000
89 000
89 000
Total tax
105 908
34 852
13 150
27 494
After tax
-16 908
54 148
75 850
61 506
Living cost
43 129
43 129
43 129
43 129
Free-cash
-60 037
11 019
32 721
18 377

Estimated living cost  is ₽43129 per week

₽27984
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4056
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽550
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10539
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽15901
₽20764
₽20157
₽19806
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
89 000
social contributions

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

-
-
-
30 927
income
-
-
-
8 057
surtax
-
-
-
-
total
-
-
-
38 984
Employee
43 782
-
71 920
-
surtax
-
-
-
-
social contributions
4 816
-
7 911
-
income
9 107
-
18 249
-
total
13 923
-
26 160
-
Employer
43 782
-
71 920
-
social contributions
10 398
-
17 080
-
total
10 398
-
17 080
-
Corporate
34 820
89 000
-
-
surtax
-
-
-
-
income
7 313
18 690
-
-
total
7 313
18 690
-
-
Dividends
27 507
70 310
-
-
withholding
7 701
19 687
-
-
total
7 701
19 687
-
-
Income
89 000
89 000
89 000
89 000
Total tax
39 335
38 377
43 240
38 984
After tax
49 665
50 623
45 760
50 016
Living cost
29 859
29 859
29 859
29 859
Free-cash
19 806
20 764
15 901
20 157

Estimated living cost  is ₽29859 per week

₽22341
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1761
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽499
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5259
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽4916
-₽1120
₽5452
₽5422
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
other
-
-
-
2 760
social contributions
-
-
-
2 536
health
-
-
-
1 308
income
-
-
-
7 599
pensions
-
-
-
23 367
surtax
-
-
-
-
total
-
-
-
37 570
Employee
59 622
-
67 821
-
surtax
-
-
-
-
social contributions
1 698
-
1 931
-
income
5 202
-
7 327
-
pensions
6 744
-
7 670
-
total
13 644
-
16 928
-
Employer
59 622
-
67 821
-
other
2 058
-
2 339
-
unemployment
2 415
-
2 746
-
health
4 173
-
4 747
-
pensions
9 797
-
11 142
-
social contributions
179
-
204
-
total
18 622
-
21 178
-
Corporate
10 757
89 000
-
-
surtax
-
-
-
-
income
3 011
24 921
-
-
total
3 011
24 921
-
-
Dividends
7 745
64 079
-
-
social contributions
1 331
11 020
-
-
surtax
-
-
-
-
withholding
992
8 201
-
-
total
2 323
19 221
-
-
Income
89 000
89 000
89 000
89 000
Total tax
37 600
44 142
38 106
37 570
After tax
51 400
44 858
50 894
51 430
Living cost
45 978
45 978
45 978
45 978
Free-cash
5 422
-1 120
4 916
5 452

Estimated living cost  is ₽45978 per week

₽31117
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3761
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽630
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10469
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽41997
₽51484
₽39502
₽48287
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
income
-
-
-
1 302
social contributions
-
-
-
19 581
total
-
-
-
20 883
Employee
30 604
-
77 055
-
income
-
-
1 434
-
social contributions
1 989
-
5 009
-
total
1 989
-
6 443
-
Employer
30 604
-
77 055
-
social contributions
4 744
-
11 945
-
total
4 744
-
11 945
-
Corporate
53 652
89 000
-
-
income
5 365
8 901
-
-
total
5 365
8 901
-
-
Dividends
48 287
80 099
-
-
total
-
-
-
-
Income
89 000
89 000
89 000
89 000
Total tax
12 098
8 901
18 388
20 883
After tax
76 902
80 099
70 612
68 117
Living cost
28 615
28 615
28 615
28 615
Free-cash
48 287
51 484
41 997
39 502

Estimated living cost  is ₽28615 per week

₽18502
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2157
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽538
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7417
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽118082
-₽118082
₽9781
-₽118082
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
labour market
-
-
-
7 054
pensions
-
-
-
824
national
-
-
-
9 347
municipal
-
-
-
16 220
total
-
-
-
33 445
Employee
193 200
193 200
193 200
-
labour market
15 434
15 434
15 434
-
municipal
41 141
41 141
41 141
-
national
23 603
23 603
23 603
-
pensions
275
275
275
-
total
80 453
80 453
80 453
-
Employer
193 200
193 200
193 200
-
national
23 644
23 644
23 644
-
labour market
15 456
15 456
15 456
-
pensions
549
549
549
-
municipal
41 206
41 206
41 206
-
total
80 855
80 855
80 855
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
89 000
89 000
89 000
89 000
Total tax
161 308
161 308
161 308
33 445
After tax
-72 308
-72 308
-72 308
55 555
Living cost
45 774
45 774
45 774
45 774
Free-cash
-118 082
-118 082
-118 082
9 781

Estimated living cost  is ₽45774 per week

₽31328
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4049
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽704
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9692
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽24847
-₽13500
₽40418
₽4034
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
other
-
-
-
354
health
-
-
-
2 084
accident
-
-
-
241
income
-
-
-
21 219
pensions
-
-
-
3 975
total
-
-
-
27 873
Employee
32 577
-
75 368
-
income
4 469
-
13 893
-
pensions
3 668
-
7 289
-
health
3 730
-
8 630
-
total
11 867
-
29 812
-
Employer
32 577
-
75 368
-
unemployment
798
-
1 847
-
accident
544
-
1 259
-
pensions
5 297
-
10 526
-
total
6 639
-
13 632
-
Corporate
49 784
89 000
-
-
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.

44 805
80 100
-
-
total
44 805
80 100
-
-
Dividends
4 978
8 900
-
-
withholding
946
1 691
-
-
total
946
1 691
-
-
Income
89 000
89 000
89 000
89 000
Total tax
64 257
81 791
43 444
27 873
After tax
24 743
7 209
45 556
61 127
Living cost
20 709
20 709
20 709
20 709
Free-cash
4 034
-13 500
24 847
40 418

Estimated living cost  is ₽20709 per week

₽15074
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1181
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽389
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4066
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽14715
₽23103
₽27343
₽20390
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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

-
-
-
89 000
health
-
-
-
974
national
-
-
-
8 290
municipal
-
-
-
15 845
total
-
-
-
25 109
Employee
50 084
-
74 873
-
municipal
8 203
-
12 230
-
national
827
-
4 446
-
pensions
3 380
-
5 055
-
health
374
-
755
-
unemployment
752
-
1 124
-
total
13 536
-
23 610
-
Employer
50 084
-
74 873
-
unemployment
325
-
486
-
health
385
-
576
-
accident
51
-
74
-
pensions
8 689
-
12 991
-
total
9 450
-
14 127
-
Corporate
29 466
89 000
-
-
income
5 893
17 799
-
-
total
5 893
17 799
-
-
Dividends

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

17 680
53 400
-
-
national
-
1 938
-
-
municipal
3 183
9 612
-
-
total
3 183
11 550
-
-
Income
89 000
89 000
89 000
89 000
Total tax
32 062
29 349
37 737
25 109
After tax
56 938
59 651
51 263
63 891
Living cost
36 548
36 548
36 548
36 548
Free-cash
20 390
23 103
14 715
27 343

Estimated living cost  is ₽36548 per week

₽23873
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3515
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽582
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8579
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽41853
₽43143
₽41942
₽37962
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
social contributions
-
-
-
13 885
health
-
-
-
2 269
income
-
-
-
8 864
total
-
-
-
25 018
Employee
73 200
73 200
80 800
-
social contributions
2 768
6 075
6 706
-
income
7 970
6 776
8 828
-
health
567
1 245
1 373
-
total
11 305
14 096
16 907
-
Employer
73 200
73 200
80 800
-
health
616
1 355
1 494
-
social contributions
2 768
6 075
6 706
-
total
3 384
7 430
8 200
-
Corporate
52 271
8 370
-
-
income
6 534
1 046
-
-
total
6 534
1 046
-
-
Dividends
45 737
7 324
-
-
withholding
7 775
1 245
-
-
total
7 775
1 245
-
-
Income
89 000
89 000
89 000
89 000
Total tax
28 998
23 817
25 107
25 018
After tax
60 002
65 183
63 893
63 982
Living cost
22 040
22 040
22 040
22 040
Free-cash
37 962
43 143
41 853
41 942

Estimated living cost  is ₽22040 per week

₽13209
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2162
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽488
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6182
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽39798
₽58587
₽55953
₽53747
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
89 000
health
-
-
-
3 445
income
-
-
-
8 406
pensions
-
-
-
6 055
unemployment
-
-
-
27
total
-
-
-
17 933
Employee

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

21 850
-
80 688
-
income
1 494
-
6 410
-
pensions
3 277
-
12 104
-
health
1 857
-
6 859
-
unemployment
108
-
403
-
total
6 736
-
25 776
-
Employer

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

21 850
-
80 688
-
unemployment
108
-
403
-
health
939
-
3 470
-
pensions
1 201
-
4 439
-
total
2 248
-
8 312
-
Corporate
64 901
89 000
-
-
income
5 840
8 010
-
-
total
5 840
8 010
-
-
Dividends
59 060
80 990
-
-
withholding
5 315
7 289
-
-
total
5 315
7 289
-
-
Income
89 000
89 000
89 000
89 000
Total tax
20 139
15 299
34 088
17 933
After tax
68 861
73 701
54 912
71 067
Living cost
15 114
15 114
15 114
15 114
Free-cash
53 747
58 587
39 798
55 953

Estimated living cost  is ₽15114 per week

₽9643
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1089
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽450
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3931
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽21378
₽33803
₽20907
₽28811
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
other
-
-
-
89
accident
-
-
-
795
income
-
-
-
15 445
pensions
-
-
-
24 969
unemployment
-
-
-
618
total
-
-
-
41 916
Employee
35 199
-
67 485
-
income
6 786
-
15 645
-
other
34
-
67
-
pensions
1 655
-
3 172
-
unemployment
546
-
1 046
-
total
9 021
-
19 930
-
Employer
35 199
-
67 485
-
other
282
-
540
-
unemployment
1 937
-
3 712
-
accident
697
-
1 337
-
pensions
8 306
-
15 926
-
total
11 222
-
21 515
-
Corporate
42 579
89 000
-
-
income

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

6 386
13 350
-
-
total
6 386
13 350
-
-
Dividends
36 193
75 650
-
-
withholding
7 383
15 670
-
-
total
7 383
15 670
-
-
Income
89 000
89 000
89 000
89 000
Total tax
34 012
29 020
41 445
41 916
After tax
54 988
59 980
47 555
47 084
Living cost
26 177
26 177
26 177
26 177
Free-cash
28 811
33 803
21 378
20 907

Estimated living cost  is ₽26177 per week

₽17669
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2516
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽459
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5533
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽54931
₽53776
₽55056
₽53485
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
health
-
-
-
931
income
-
-
-
29 969
pensions
-
-
-
1 284
total
-
-
-
32 184
Employee
2 681
-
87 556
-
income
519
-
29 902
-
pensions
241
-
578
-
health
134
-
321
-
unemployment
27
-
64
-
total
921
-
30 865
-
Employer
2 681
-
87 556
-
unemployment
54
-
128
-
health
255
-
610
-
pensions
295
-
706
-
total
604
-
1 444
-
Corporate
85 716
89 000
-
-
income
18 858
19 580
-
-
total
18 858
19 580
-
-
Dividends
66 859
69 420
-
-
withholding
13 372
13 884
-
-
total
13 372
13 884
-
-
Income
89 000
89 000
89 000
89 000
Total tax
33 755
33 464
32 309
32 184
After tax
55 245
55 536
56 691
56 816
Living cost
1 760
1 760
1 760
1 760
Free-cash
53 485
53 776
54 931
55 056

Estimated living cost  is ₽1760 per week

₽1046
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽143
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽40
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽531
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽29922
₽47870
₽29924
₽43193
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
89 000
health
-
-
-
7 233
income
-
-
-
16 099
pensions
-
-
-
18 258
unemployment
-
-
-
1 053
total
-
-
-
42 643
Employee

The minimum tax base for social security contributions are defined by the Law on Mandatory Social Insurance Contributions and is fixed at 35% of an average monthly salary published in Serbia. The maximum tax base for social security contributions is capped at five times the average monthly salary published by the official statistics in Serbia at the moment of salary payment.

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

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

24 780
-
76 430
-
income
3 416
-
16 099
-
pensions
3 469
-
9 831
-
health
1 276
-
3 617
-
unemployment
186
-
527
-
total
8 347
-
30 074
-
Employer

The minimum tax base for social security contributions are defined by the Law on Mandatory Social Insurance Contributions and is fixed at 35% of an average monthly salary published in Serbia. The maximum tax base for social security contributions is capped at five times the average monthly salary published by the official statistics in Serbia at the moment of salary payment.

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

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

24 780
-
76 430
-
unemployment
186
-
527
-
health
1 276
-
3 617
-
pensions
2 974
-
8 427
-
total
4 436
-
12 571
-
Corporate
59 785
89 000
-
-
income
8 968
13 350
-
-
total
8 968
13 350
-
-
Dividends
50 817
75 650
-
-
withholding
7 623
11 347
-
-
total
7 623
11 347
-
-
Income
89 000
89 000
89 000
89 000
Total tax
29 374
24 697
42 645
42 643
After tax
59 626
64 303
46 355
46 357
Living cost
16 433
16 433
16 433
16 433
Free-cash
43 193
47 870
29 922
29 924

Estimated living cost  is ₽16433 per week

₽11064
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1271
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽476
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3622
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽20096
₽24959
₽24352
₽24617
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
89 000
social contributions

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

-
-
-
30 927
income
-
-
-
8 057
surtax
-
-
-
-
total
-
-
-
38 984
Employee
36 947
-
71 920
-
surtax
-
-
-
-
social contributions
4 065
-
7 911
-
income
7 219
-
18 249
-
total
11 284
-
26 160
-
Employer
36 947
-
71 920
-
social contributions
8 774
-
17 080
-
total
8 774
-
17 080
-
Corporate
43 279
89 000
-
-
surtax
-
-
-
-
income
9 088
18 690
-
-
total
9 088
18 690
-
-
Dividends
34 190
70 310
-
-
withholding
9 573
19 687
-
-
total
9 573
19 687
-
-
Income
89 000
89 000
89 000
89 000
Total tax
38 719
38 377
43 240
38 984
After tax
50 281
50 623
45 760
50 016
Living cost
25 664
25 664
25 664
25 664
Free-cash
24 617
24 959
20 096
24 352

Estimated living cost  is ₽25664 per week

₽18177
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1783
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽455
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5250
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽14099
₽26524
₽13628
₽19265
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
other
-
-
-
89
accident
-
-
-
795
income
-
-
-
15 445
pensions
-
-
-
24 969
unemployment
-
-
-
618
total
-
-
-
41 916
Employee
45 975
-
67 485
-
income
9 602
-
15 645
-
other
45
-
67
-
pensions
2 161
-
3 172
-
unemployment
712
-
1 046
-
total
12 520
-
19 930
-
Employer
45 975
-
67 485
-
other
369
-
540
-
unemployment
2 529
-
3 712
-
accident
910
-
1 337
-
pensions
10 850
-
15 926
-
total
14 658
-
21 515
-
Corporate
28 368
89 000
-
-
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.

4 254
13 350
-
-
total
4 254
13 350
-
-
Dividends
24 113
75 650
-
-
withholding
4 847
15 670
-
-
total
4 847
15 670
-
-
Income
89 000
89 000
89 000
89 000
Total tax
36 279
29 020
41 445
41 916
After tax
52 721
59 980
47 555
47 084
Living cost
33 456
33 456
33 456
33 456
Free-cash
19 265
26 524
14 099
13 628

Estimated living cost  is ₽33456 per week

₽24026
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2601
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽471
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6357
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽53306
₽59882
₽50647
₽54137
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
health
-
-
-
3 786
income
-
-
-
13 350
pensions

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

-
-
-
4 872
unemployment
-
-
-
132
total
-
-
-
22 140
Employee
21 469
-
82 541
-
income
2 147
-
8 254
-
accident

We are using the highest rate at 1.1%.

236
-
362
-
pensions

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

1 885
-
2 891
-
health
988
-
1 514
-
total
5 256
-
13 021
-
Employer
21 469
-
82 541
-
unemployment
129
-
198
-
health
1 481
-
2 272
-
accident

We are using the highest rate at 1.1%.

236
-
362
-
pensions

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

2 366
-
3 628
-
total
4 212
-
6 460
-
Corporate
63 319
89 000
-
-
income
6 332
8 900
-
-
total
6 332
8 900
-
-
Dividends
56 987
80 100
-
-
withholding
2 850
4 005
-
-
total
2 850
4 005
-
-
Income
89 000
89 000
89 000
89 000
Total tax
18 650
12 905
19 481
22 140
After tax
70 350
76 095
69 519
66 860
Living cost
16 213
16 213
16 213
16 213
Free-cash
54 137
59 882
53 306
50 647

Estimated living cost  is ₽16213 per week

₽10723
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽928
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽387
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4176
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽27330
₽9181
₽20910
₽21633
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
89 000
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.

-
-
-
6 503
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.

-
-
-
17 456
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.

-
-
-
959
trade
-
-
-
6 420
total
-
-
-
31 338
Employee

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

47 365
-
89 000
-
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.

215
-
959
-
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.

3 895
-
17 456
-
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.

6 503
-
6 503
-
total
10 613
-
24 918
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
41 635
89 000
-
-
chamber of commerce
206
275
-
-
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.

343
733
-
-
trade
5 974
12 772
-
-
income
6 245
13 350
-
-
total
12 768
27 130
-
-
Dividends
28 867
61 870
-
-
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.

378
831
-
-
withholding
6 856
15 106
-
-
total
7 234
15 937
-
-
Income
89 000
89 000
89 000
89 000
Total tax
30 615
43 067
24 918
31 338
After tax
58 385
45 933
64 082
57 662
Living cost
36 752
36 752
36 752
36 752
Free-cash
21 633
9 181
27 330
20 910

Estimated living cost  is ₽36752 per week

₽25352
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3954
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.
₽6912
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽7122
₽8073
₽7122
₽10175
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
income
-
-
-
19 866
social contributions
-
-
-
7 785
total
-
-
-
27 651
Employee
74 463
-
89 000
-
income
14 051
-
19 866
-
social contributions
6 186
-
7 785
-
total
20 237
-
27 651
-
Employer
74 463
-
89 000
-
total
-
-
-
-
Corporate
14 537
89 000
-
-
income
1 817
11 124
-
-
total
1 817
11 124
-
-
Dividends
12 719
77 876
-
-
withholding
2 544
15 576
-
-
total
2 544
15 576
-
-
Income
89 000
89 000
89 000
89 000
Total tax
24 598
26 700
27 651
27 651
After tax
64 402
62 300
61 349
61 349
Living cost
54 227
54 227
54 227
54 227
Free-cash
10 175
8 073
7 122
7 122

Estimated living cost  is ₽54227 per week

₽41255
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4419
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽518
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8035
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽30710
₽18266
₽21467
₽22629
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
89 000
income
-
-
-
27 097
health

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

-
-
-
5 880
total
-
-
-
32 977
Employee
43 670
-
84 621
-
income
4 738
-
14 976
-
social contributions
4 375
-
4 379
-
total
9 113
-
19 355
-
Employer
43 670
-
84 621
-
social contributions
4 375
-
4 379
-
total
4 375
-
4 379
-
Corporate
40 955
89 000
-
-
income
14 335
31 149
-
-
total
14 335
31 149
-
-
Dividends
26 621
57 851
-
-
social contributions
3 992
5 029
-
-
total
3 992
5 029
-
-
Income
89 000
89 000
89 000
89 000
Total tax
31 815
36 178
23 734
32 977
After tax
57 185
52 822
65 266
56 023
Living cost
34 556
34 556
34 556
34 556
Free-cash
22 629
18 266
30 710
21 467

Estimated living cost  is ₽34556 per week

₽22762
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2724
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽529
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8539
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽21031
₽31622
₽30170
₽26517
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
income
-
-
-
17 518
pensions
-
-
-
6 442
total
-
-
-
23 960
Employee
47 865
-
78 454
-
income
8 717
-
13 976
-
health
624
-
1 251
-
pensions
3 653
-
7 325
-
total
12 994
-
22 552
-
Employer
47 865
-
78 454
-
health
910
-
1 491
-
pensions
4 836
-
9 056
-
total
5 746
-
10 547
-
Corporate
35 390
89 000
-
-
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.

6 723
16 910
-
-
total
6 723
16 910
-
-
Dividends
28 666
72 090
-
-
withholding
2 150
5 598
-
-
total
2 150
5 598
-
-
Income
89 000
89 000
89 000
89 000
Total tax
27 613
22 508
33 099
23 960
After tax
61 387
66 492
55 901
65 040
Living cost
34 870
34 870
34 870
34 870
Free-cash
26 517
31 622
21 031
30 170

Estimated living cost  is ₽34870 per week

₽23921
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3207
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽436
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7304
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
₽22796
-₽15550
₽38368
₽3719
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
other
-
-
-
354
health
-
-
-
2 084
accident
-
-
-
241
income
-
-
-
21 219
pensions
-
-
-
3 975
total
-
-
-
27 873
Employee
35 802
-
75 368
-
income
4 912
-
13 893
-
pensions
4 031
-
7 289
-
health
4 099
-
8 630
-
total
13 042
-
29 812
-
Employer
35 802
-
75 368
-
unemployment
877
-
1 847
-
accident
598
-
1 259
-
pensions
5 821
-
10 526
-
total
7 296
-
13 632
-
Corporate
45 902
89 000
-
-
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.

41 312
80 100
-
-
total
41 312
80 100
-
-
Dividends
4 590
8 900
-
-
withholding
872
1 691
-
-
total
872
1 691
-
-
Income
89 000
89 000
89 000
89 000
Total tax
62 522
81 791
43 444
27 873
After tax
26 478
7 209
45 556
61 127
Living cost
22 760
22 760
22 760
22 760
Free-cash
3 719
-15 550
22 796
38 368

Estimated living cost  is ₽22760 per week

₽16703
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.
₽458
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4272
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽41778
₽62056
₽38200
₽58192
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
89 000
income
-
-
-
13 488
health insurance
-
-
-
6 586
work injury
-
-
-
445
pensions
-
-
-
16 376
unemployment
-
-
-
1 068
total
-
-
-
37 963
Employee

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

20 539
-
89 000
-
income
2 054
-
13 488
-
work injury
103
-
380
-
health insurance
1 520
-
5 623
-
pensions
3 779
-
13 982
-
unemployment
246
-
912
-
total
7 702
-
34 385
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
68 461
89 000
-
-
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%.

-
890
-
-
total
-
890
-
-
Dividends
68 461
88 110
-
-
withholding
10 269
13 217
-
-
total
10 269
13 217
-
-
Income
89 000
89 000
89 000
89 000
Total tax
17 971
14 107
34 385
37 963
After tax
71 029
74 893
54 615
51 037
Living cost
12 837
12 837
12 837
12 837
Free-cash
58 192
62 056
41 778
38 200

Estimated living cost  is ₽12837 per week

₽7953
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽933
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽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.
₽3551
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽3328
₽8955
₽7399
₽4625
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
89 000
social contributions
-
-
-
22 890
national
-
-
-
18 473
regional
-
-
-
1 721
municipal
-
-
-
594
total
-
-
-
43 678
Employee
80 217
-
89 000
-
social contributions
27 049
-
30 011
-
municipal
479
-
531
-
national
13 556
-
15 767
-
regional
1 211
-
1 440
-
total
42 295
-
47 749
-
Employer
80 217
-
89 000
-
total
-
-
-
-
Corporate
8 783
89 000
-
-
nationa
2 108
21 360
-
-
municipal
423
4 290
-
-
total
2 531
25 650
-
-
Dividends
6 252
63 350
-
-
withholding
1 626
16 472
-
-
total
1 626
16 472
-
-
Income
89 000
89 000
89 000
89 000
Total tax
46 452
42 122
47 749
43 678
After tax
42 548
46 878
41 251
45 322
Living cost
37 923
37 923
37 923
37 923
Free-cash
4 625
8 955
3 328
7 399

Estimated living cost  is ₽37923 per week

₽26639
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2609
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.
₽8102
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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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