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
₽16575
₽35499
₽28356
₽26960
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
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.

-
-
-
17 676
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.

-
-
-
973
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.

-
-
-
6 414
trade
-
-
-
7 143
total
-
-
-
32 206
Employee

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

35 910
-
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.

55
-
973
-
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.

1 003
-
17 676
-
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.

6 414
-
6 414
-
total
7 472
-
25 063
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
53 090
89 000
-
-
income
7 964
13 350
-
-
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.

438
734
-
-
chamber of commerce
219
271
-
-
trade
8 362
14 017
-
-
total
16 983
28 372
-
-
Dividends
36 107
60 628
-
-
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.

477
814
-
-
withholding
8 670
14 801
-
-
total
9 147
15 615
-
-
Income
89 000
89 000
89 000
89 000
Total tax
33 602
43 987
25 063
32 206
After tax
55 398
45 013
63 937
56 794
Living cost
28 438
28 438
28 438
28 438
Free-cash
26 960
16 575
35 499
28 356

Estimated living cost  is ₽28438 per week

₽17888
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3316
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽531
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6703
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽5585
₽4780
₽4081
₽4540
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
municipal
-
-
-
9 151
national
-
-
-
14 180
pensions
-
-
-
10 680
total
-
-
-
34 968
Employee
77 434
-
76 940
-
municipal
9 564
-
9 495
-
pensions
3 097
-
3 078
-
national
14 821
-
14 714
-
total
27 482
-
27 287
-
Employer
77 434
-
76 940
-
pensions
6 195
-
6 155
-
social contributions
832
-
827
-
total
7 027
-
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
34 509
33 464
34 269
34 968
After tax
54 491
55 536
54 731
54 032
Living cost
49 951
49 951
49 951
49 951
Free-cash
4 540
5 585
4 780
4 081

Estimated living cost  is ₽49951 per week

₽33951
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4643
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽748
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10609
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽51668
₽30689
₽28034
₽43966
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
income
-
-
-
12 819
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.

-
-
-
28 614
microenterprise
-
-
-
-
total
-
-
-
41 433
Employee
27 434
-
71 721
-
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.

3 018
-
7 889
-
income
4 884
-
13 612
-
total
7 902
-
21 501
-
Employer
27 434
-
71 721
-
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.

6 608
-
17 277
-
surtax
-
-
-
-
total
6 608
-
17 277
-
Corporate
54 957
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%.

10 991
17 799
-
-
total
10 991
17 799
-
-
Dividends

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

43 966
71 201
-
-
total
-
-
-
-
Income
89 000
89 000
89 000
89 000
Total tax
25 501
17 799
38 778
41 433
After tax
63 499
71 201
50 222
47 567
Living cost
19 533
19 533
19 533
19 533
Free-cash
43 966
51 668
30 689
28 034

Estimated living cost  is ₽19533 per week

₽12461
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1860
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽444
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4768
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽1039
-₽4232
₽11213
-₽4232
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
16 486
health
-
-
-
10 970
pensions
-
-
-
11 000
total
-
-
-
38 456
Employee
80 176
80 176
80 176
-
pensions
14 432
11 000
14 432
-
income

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

13 124
13 124
13 124
-
health
12 306
10 467
12 306
-
total
39 862
34 591
39 862
-
Employer
80 176
80 176
80 176
-
health
5 573
5 573
5 573
-
pensions
5 580
5 580
5 580
-
unemployment
2 886
2 886
2 886
-
total
14 039
14 039
14 039
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
89 000
89 000
89 000
89 000
Total tax
53 901
48 630
53 901
38 456
After tax
35 099
40 370
35 099
50 544
Living cost
39 331
39 331
39 331
39 331
Free-cash
-4 232
1 039
-4 232
11 213

Estimated living cost  is ₽39331 per week

₽27873
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3546
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽625
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7287
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽10831
₽9763
₽7871
₽9981
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
accident
-
-
-
165
other
-
-
-
9 617
unemployment
-
-
-
83
health
-
-
-
5 164
municipal
-
-
-
19 390
national
-
-
-
-
pensions
-
-
-
8 947
total
-
-
-
43 366
Employee
53 808
-
67 721
-
municipal
16 046
-
20 195
-
national
-
-
-
-
total
16 046
-
20 195
-
Employer
53 808
-
67 721
-
health
3 309
-
4 165
-
pensions
5 817
-
7 321
-
accident
108
-
136
-
unemployment
1 421
-
1 788
-
other
6 253
-
7 869
-
total
16 908
-
21 279
-
Corporate
18 285
89 000
-
-
income
4 023
19 580
-
-
total
4 023
19 580
-
-
Dividends
14 262
69 420
-
-
withholding
4 279
20 826
-
-
total
4 279
20 826
-
-
Income
89 000
89 000
89 000
89 000
Total tax
41 256
40 406
41 474
43 366
After tax
47 744
48 594
47 526
45 634
Living cost
37 763
37 763
37 763
37 763
Free-cash
9 981
10 831
9 763
7 871

Estimated living cost  is ₽37763 per week

₽25028
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3706
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.
₽8456
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽7673
₽27054
₽19594
₽20866
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
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.

-
-
-
17 676
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.

-
-
-
973
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.

-
-
-
6 414
trade
-
-
-
7 460
total
-
-
-
32 523
Employee

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

47 612
-
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.

224
-
973
-
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.

4 091
-
17 676
-
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.

6 414
-
6 414
-
total
10 729
-
25 063
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
41 388
89 000
-
-
income
6 207
13 350
-
-
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.

342
734
-
-
chamber of commerce
201
269
-
-
trade
6 808
14 640
-
-
total
13 558
28 993
-
-
Dividends
27 829
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.

363
805
-
-
withholding
6 601
14 646
-
-
total
6 964
15 451
-
-
Income
89 000
89 000
89 000
89 000
Total tax
31 251
44 444
25 063
32 523
After tax
57 749
44 556
63 937
56 477
Living cost
36 883
36 883
36 883
36 883
Free-cash
20 866
7 673
27 054
19 594

Estimated living cost  is ₽36883 per week

₽24668
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3889
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.
₽7775
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽34722
₽33261
₽33348
₽30830
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
9 044
social contributions
-
-
-
13 885
health
-
-
-
2 270
total
-
-
-
25 199
Employee
72 195
72 195
80 799
-
social contributions
3 508
5 992
6 706
-
income
7 581
6 683
9 005
-
health
718
1 228
1 374
-
total
11 807
13 903
17 085
-
Employer
72 195
72 195
80 799
-
health
782
1 336
1 495
-
social contributions
3 508
5 992
6 706
-
total
4 290
7 328
8 201
-
Corporate
42 450
9 477
-
-
income
5 306
1 185
-
-
total
5 306
1 185
-
-
Dividends
37 144
8 292
-
-
withholding
6 314
1 409
-
-
total
6 314
1 409
-
-
Income
89 000
89 000
89 000
89 000
Total tax
27 717
23 825
25 286
25 199
After tax
61 283
65 175
63 714
63 801
Living cost
30 453
30 453
30 453
30 453
Free-cash
30 830
34 722
33 261
33 348

Estimated living cost  is ₽30453 per week

₽20817
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2379
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.
₽6746
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽33326
₽34770
₽44831
₽33677
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
10 880
unemployment
-
-
-
1 335
health
-
-
-
6 230
pensions
-
-
-
8 900
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.

24 286
9 665
74 477
-
unemployment
364
145
1 117
-
pensions
2 429
967
7 448
-
income
2 969
1 182
9 105
-
health
1 700
677
5 213
-
total
7 462
2 971
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.

24 286
9 665
74 477
-
pensions
4 736
1 885
14 523
-
total
4 736
1 885
14 523
-
Corporate
59 979
77 450
-
-
income
5 398
6 970
-
-
total
5 398
6 970
-
-
Dividends
54 581
70 479
-
-
social contributions
10 533
13 633
-
-
withholding
10 370
13 391
-
-
total
20 903
27 024
-
-
Income
89 000
89 000
89 000
89 000
Total tax
38 499
38 850
37 406
27 345
After tax
50 501
50 150
51 594
61 655
Living cost
16 824
16 824
16 824
16 824
Free-cash
33 677
33 326
34 770
44 831

Estimated living cost  is ₽16824 per week

₽11481
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1377
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽336
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3630
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽48524
₽28621
₽25027
₽42690
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
11 927
health
-
-
-
11 570
pensions
-
-
-
17 799
total
-
-
-
41 296
Employee
26 635
-
66 519
-
unemployment
426
-
1 064
-
pensions
533
-
1 331
-
income
2 999
-
12 825
-
total
3 958
-
15 220
-
Employer
26 635
-
66 519
-
health
3 462
-
8 647
-
pensions
5 327
-
13 302
-
unemployment
214
-
533
-
total
9 003
-
22 482
-
Corporate
53 363
89 000
-
-
income
10 672
17 799
-
-
total
10 672
17 799
-
-
Dividends
42 690
71 201
-
-
total
-
-
-
-
Income
89 000
89 000
89 000
89 000
Total tax
23 633
17 799
37 702
41 296
After tax
65 367
71 201
51 298
47 704
Living cost
22 677
22 677
22 677
22 677
Free-cash
42 690
48 524
28 621
25 027

Estimated living cost  is ₽22677 per week

₽15554
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1351
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽456
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5317
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽13722
₽24650
₽40192
₽3997
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
accident
-
-
-
240
income
-
-
-
21 250
other
-
-
-
353
health
-
-
-
2 075
pensions
-
-
-
3 959
total
-
-
-
27 877
Employee
32 926
-
75 411
-
pensions
3 708
-
7 259
-
income
4 517
-
13 936
-
health
3 770
-
8 635
-
total
11 995
-
29 830
-
Employer
32 926
-
75 411
-
pensions
5 354
-
10 482
-
accident
550
-
1 259
-
unemployment
807
-
1 848
-
total
6 711
-
13 589
-
Corporate
49 364
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.

44 428
80 100
-
-
total
44 428
80 100
-
-
Dividends
4 936
8 900
-
-
withholding
938
1 691
-
-
total
938
1 691
-
-
Income
89 000
89 000
89 000
89 000
Total tax
64 072
81 791
43 419
27 877
After tax
24 928
7 209
45 581
61 123
Living cost
20 931
20 931
20 931
20 931
Free-cash
3 997
-13 722
24 650
40 192

Estimated living cost  is ₽20931 per week

₽15341
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1160
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽437
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3994
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽76999
₽63649
₽80559
₽75584
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
9 438
-
89 000
-
income
1 887
-
17 800
-
total
1 887
-
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%.

79 562
89 000
-
-
total
-
-
-
-
Dividends
79 562
89 000
-
-
withholding
3 978
4 450
-
-
total
3 978
4 450
-
-
Income
89 000
89 000
89 000
89 000
Total tax
5 865
4 450
17 800
890
After tax
83 135
84 550
71 200
88 110
Living cost
7 551
7 551
7 551
7 551
Free-cash
75 584
76 999
63 649
80 559

Estimated living cost  is ₽7551 per week

₽4680
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽628
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽208
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2036
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽40372
₽27149
₽23175
₽34032
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
11 305
other
-
-
-
4 228
health
-
-
-
3 916
pensions

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

-
-
-
21 359
total
-
-
-
40 808
Employee
34 090
-
71 085
-
unemployment
340
-
711
-
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.

2 386
-
4 976
-
income
5 869
-
12 237
-
health
477
-
996
-
total
9 072
-
18 920
-
Employer
34 090
-
71 085
-
health
477
-
996
-
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.

5 796
-
12 085
-
accident
273
-
568
-
unemployment
340
-
711
-
other
1 705
-
3 554
-
total
8 591
-
17 914
-
Corporate
46 319
89 000
-
-
income
9 726
18 690
-
-
total
9 726
18 690
-
-
Dividends
36 593
70 310
-
-
withholding
2 562
4 921
-
-
total
2 562
4 921
-
-
Income
89 000
89 000
89 000
89 000
Total tax
29 951
23 611
36 834
40 808
After tax
59 049
65 389
52 166
48 192
Living cost
25 017
25 017
25 017
25 017
Free-cash
34 032
40 372
27 149
23 175

Estimated living cost  is ₽25017 per week

₽17676
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1689
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽403
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5249
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽3557
-₽7087
₽2100
-₽12348
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
17 467
pensions
-
-
-
6 437
total
-
-
-
23 904
Employee
89 130
-
78 458
-
pensions
8 599
-
7 319
-
income
16 067
-
13 978
-
health
1 469
-
1 251
-
total
26 135
-
22 548
-
Employer
89 130
-
78 458
-
health
1 693
-
1 492
-
pensions
10 524
-
9 051
-
total
12 217
-
10 543
-
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.

-
16 911
-
-
total
-
16 911
-
-
Dividends
-
72 089
-
-
withholding
-
5 536
-
-
total
-
5 536
-
-
Income
89 000
89 000
89 000
89 000
Total tax
38 352
22 447
33 091
23 904
After tax
50 648
66 553
55 909
65 096
Living cost
62 996
62 996
62 996
62 996
Free-cash
-12 348
3 557
-7 087
2 100

Estimated living cost  is ₽62996 per week

₽47204
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽7402
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽512
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7879
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
₽63785
₽57249
₽54583
₽59426
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
13 350
unemployment
-
-
-
131
health
-
-
-
3 772
pensions

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

-
-
-
4 854
total
-
-
-
22 107
Employee
16 300
-
82 566
-
accident

We are using the highest rate at 1.1%.

179
-
361
-
pensions

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

1 431
-
2 880
-
income
1 630
-
8 256
-
health
750
-
1 509
-
total
3 990
-
13 006
-
Employer
16 300
-
82 566
-
health
1 125
-
2 263
-
pensions

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

1 796
-
3 614
-
accident

We are using the highest rate at 1.1%.

179
-
361
-
unemployment
97
-
197
-
total
3 197
-
6 435
-
Corporate
69 501
89 000
-
-
income
6 950
8 900
-
-
total
6 950
8 900
-
-
Dividends
62 551
80 100
-
-
withholding
3 127
4 005
-
-
total
3 127
4 005
-
-
Income
89 000
89 000
89 000
89 000
Total tax
17 264
12 905
19 441
22 107
After tax
71 736
76 095
69 559
66 893
Living cost
12 310
12 310
12 310
12 310
Free-cash
59 426
63 785
57 249
54 583

Estimated living cost  is ₽12310 per week

₽7187
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽879
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽326
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3918
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽11692
-₽16963
-₽1518
-₽13286
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
16 486
health
-
-
-
10 970
pensions
-
-
-
11 000
total
-
-
-
38 456
Employee
87 046
80 176
80 176
-
pensions
11 000
11 000
14 432
-
income

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

13 124
13 124
13 124
-
health
10 859
10 467
12 306
-
total
34 983
34 591
39 862
-
Employer
87 046
80 176
80 176
-
health
6 049
5 573
5 573
-
pensions
6 058
5 580
5 580
-
unemployment
3 134
2 886
2 886
-
total
15 241
14 039
14 039
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
89 000
89 000
89 000
89 000
Total tax
50 224
48 630
53 901
38 456
After tax
38 776
40 370
35 099
50 544
Living cost
52 062
52 062
52 062
52 062
Free-cash
-13 286
-11 692
-16 963
-1 518

Estimated living cost  is ₽52062 per week

₽38405
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4650
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽597
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8411
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽38286
₽22175
₽20357
₽30085
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
7 650
social contributions
-
-
-
25 988
solidarity contribution
-
-
-
-
health
-
-
-
12 015
total
-
-
-
45 653
Employee
33 809
-
66 418
-
solidarity contribution
-
-
-
-
social contributions
2 198
-
4 317
-
income
4 057
-
7 970
-
health
4 564
-
8 966
-
total
10 819
-
21 253
-
Employer
33 809
-
66 418
-
health
3 043
-
5 978
-
social contributions
8 452
-
16 604
-
total
11 495
-
22 582
-
Corporate
43 695
89 000
-
-
income
8 302
16 910
-
-
total
8 302
16 910
-
-
Dividends
35 393
72 090
-
-
withholding
5 309
10 814
-
-
total
5 309
10 814
-
-
Income
89 000
89 000
89 000
89 000
Total tax
35 925
27 724
43 835
45 653
After tax
53 075
61 276
45 165
43 347
Living cost
22 990
22 990
22 990
22 990
Free-cash
30 085
38 286
22 175
20 357

Estimated living cost  is ₽22990 per week

₽15969
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1636
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽452
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4933
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽7867
₽2190
₽6424
₽2966
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
22 891
regional
-
-
-
974
municipal
-
-
-
529
national
-
-
-
18 565
total
-
-
-
42 959
Employee
83 442
-
89 000
-
municipal
442
-
472
-
national
14 458
-
15 859
-
regional
787
-
851
-
social contributions
28 137
-
30 011
-
total
43 824
-
47 193
-
Employer
83 442
-
89 000
-
total
-
-
-
-
Corporate
5 558
89 000
-
-
municipal
217
3 471
-
-
nationa
1 334
21 361
-
-
total
1 551
24 832
-
-
Dividends
4 006
64 168
-
-
withholding
1 042
16 684
-
-
total
1 042
16 684
-
-
Income
89 000
89 000
89 000
89 000
Total tax
46 417
41 516
47 193
42 959
After tax
42 583
47 484
41 807
46 041
Living cost
39 617
39 617
39 617
39 617
Free-cash
2 966
7 867
2 190
6 424

Estimated living cost  is ₽39617 per week

₽27616
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.
₽608
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8794
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽35261
₽23859
₽25573
₽32342
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
16 443
other
-
-
-
-
surtax
-
-
-
1 933
unemployment
-
-
-
214
health
-
-
-
6 320
pensions
-
-
-
17 799
total
-
-
-
42 709
Employee
31 048
-
73 524
-
other
-
-
-
-
unemployment
2 161
-
5 117
-
pensions
2 070
-
4 903
-
surtax
102
-
1 735
-
income
5 204
-
15 319
-
health
793
-
1 874
-
total
10 330
-
28 948
-
Employer
31 048
-
73 524
-
health
1 413
-
3 344
-
pensions
4 139
-
9 801
-
unemployment
983
-
2 330
-
other
-
-
-
-
total
6 535
-
15 475
-
Corporate
51 417
89 000
-
-
income
13 368
23 141
-
-
total
13 368
23 141
-
-
Dividends
38 048
65 859
-
-
withholding
5 707
9 880
-
-
total
5 707
9 880
-
-
Income
89 000
89 000
89 000
89 000
Total tax
35 940
33 021
44 423
42 709
After tax
53 060
55 979
44 577
46 291
Living cost
20 718
20 718
20 718
20 718
Free-cash
32 342
35 261
23 859
25 573

Estimated living cost  is ₽20718 per week

₽12668
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1912
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽477
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5660
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽23516
₽12872
₽22059
₽16234
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
17 467
pensions
-
-
-
6 437
total
-
-
-
23 904
Employee
59 733
-
78 458
-
pensions
5 070
-
7 319
-
income
10 758
-
13 978
-
health
867
-
1 251
-
total
16 695
-
22 548
-
Employer
59 733
-
78 458
-
health
1 135
-
1 492
-
pensions
6 466
-
9 051
-
total
7 601
-
10 543
-
Corporate
21 666
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.

4 116
16 911
-
-
total
4 116
16 911
-
-
Dividends
17 551
72 089
-
-
withholding
1 317
5 536
-
-
total
1 317
5 536
-
-
Income
89 000
89 000
89 000
89 000
Total tax
29 729
22 447
33 091
23 904
After tax
59 271
66 553
55 909
65 096
Living cost
43 037
43 037
43 037
43 037
Free-cash
16 234
23 516
12 872
22 059

Estimated living cost  is ₽43037 per week

₽32243
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3226
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.
₽7117
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽33583
-₽4277
₽295
-₽6208
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
1 780
regional
-
-
-
2 865
health
-
-
-
242
city
-
-
-
937
national
-
-
-
413
pensions
-
-
-
8 188
total
-
-
-
14 425
Employee
86 926
-
79 661
-
unemployment
-
-
-
-
pensions
7 303
-
6 691
-
national
411
-
354
-
regional
2 846
-
2 453
-
city
933
-
857
-
health
197
-
179
-
total
11 690
-
10 534
-
Employer
86 926
-
79 661
-
health
197
-
179
-
pensions
7 303
-
6 691
-
unemployment
-
-
-
-
other

This will depend on a canton and a chosen fund. The rate is between 0.1% and 3.63% for an employee. We use 2% as an average rate.

1 738
-
1 593
-
total
9 238
-
8 463
-
Corporate
-
89 000
-
-
regional
-
18 824
-
-
national
-
7 564
-
-
total
-
26 388
-
-
Dividends
-
62 612
-
-
withholding
-
21 915
-
-
total
-
21 915
-
-
Income
89 000
89 000
89 000
89 000
Total tax
20 928
48 303
18 997
14 425
After tax
68 072
40 697
70 003
74 575
Living cost
74 280
74 280
74 280
74 280
Free-cash
-6 208
-33 583
-4 277
295

Estimated living cost  is ₽74280 per week

₽48303
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6666
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽912
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽18399
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
₽1090
₽20926
₽13150
₽16313
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
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.

-
-
-
17 676
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.

-
-
-
973
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.

-
-
-
6 414
trade
-
-
-
7 777
total
-
-
-
32 840
Employee

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

56 425
-
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.

365
-
973
-
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.

6 635
-
17 676
-
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.

6 414
-
6 414
-
total
13 414
-
25 063
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
32 575
89 000
-
-
income
4 885
13 350
-
-
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.

269
734
-
-
chamber of commerce
189
267
-
-
trade
5 587
15 264
-
-
total
10 930
29 615
-
-
Dividends
21 644
59 385
-
-
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.

278
796
-
-
withholding
5 055
14 489
-
-
total
5 333
15 285
-
-
Income
89 000
89 000
89 000
89 000
Total tax
29 677
44 900
25 063
32 840
After tax
59 323
44 100
63 937
56 160
Living cost
43 010
43 010
43 010
43 010
Free-cash
16 313
1 090
20 926
13 150

Estimated living cost  is ₽43010 per week

₽31413
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3440
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽559
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7599
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽12732
₽18632
₽19269
₽18282
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
7 785
other
-
-
-
2 762
surtax
-
-
-
-
social contributions
-
-
-
2 535
health
-
-
-
1 379
pensions
-
-
-
23 148
total
-
-
-
37 609
Employee
40 183
-
67 817
-
pensions
4 543
-
7 668
-
surtax
-
-
-
-
social contributions
1 146
-
1 933
-
income
2 371
-
7 467
-
total
8 060
-
17 068
-
Employer
40 183
-
67 817
-
health
2 813
-
4 746
-
pensions
6 601
-
11 143
-
unemployment
1 627
-
2 747
-
social contributions
121
-
203
-
other
1 386
-
2 339
-
total
12 548
-
21 178
-
Corporate
36 269
89 000
-
-
income
10 156
24 921
-
-
surtax
-
-
-
-
total
10 156
24 921
-
-
Dividends
26 113
64 079
-
-
surtax
-
-
-
-
social contributions
4 490
11 022
-
-
withholding
3 342
8 203
-
-
total
7 832
19 225
-
-
Income
89 000
89 000
89 000
89 000
Total tax
38 596
44 146
38 246
37 609
After tax
50 404
44 854
50 754
51 391
Living cost
32 122
32 122
32 122
32 122
Free-cash
18 282
12 732
18 632
19 269

Estimated living cost  is ₽32122 per week

₽20254
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2612
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.
₽8711
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽15914
₽21814
₽22451
₽21131
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
7 785
other
-
-
-
2 762
surtax
-
-
-
-
social contributions
-
-
-
2 535
health
-
-
-
1 379
pensions
-
-
-
23 148
total
-
-
-
37 609
Employee
35 869
-
67 817
-
pensions
4 057
-
7 668
-
surtax
-
-
-
-
social contributions
1 023
-
1 933
-
income
1 849
-
7 467
-
total
6 929
-
17 068
-
Employer
35 869
-
67 817
-
health
2 510
-
4 746
-
pensions
5 894
-
11 143
-
unemployment
1 452
-
2 747
-
social contributions
107
-
203
-
other
1 238
-
2 339
-
total
11 201
-
21 178
-
Corporate
41 930
89 000
-
-
income
11 740
24 921
-
-
surtax
-
-
-
-
total
11 740
24 921
-
-
Dividends
30 190
64 079
-
-
surtax
-
-
-
-
social contributions
5 194
11 022
-
-
withholding
3 865
8 203
-
-
total
9 059
19 225
-
-
Income
89 000
89 000
89 000
89 000
Total tax
38 929
44 146
38 246
37 609
After tax
50 071
44 854
50 754
51 391
Living cost
28 940
28 940
28 940
28 940
Free-cash
21 131
15 914
21 814
22 451

Estimated living cost  is ₽28940 per week

₽16784
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2940
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽549
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8668
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽34389
₽37655
₽37247
₽34877
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
13 350
social contributions
-
-
-
12 281
health
-
-
-
6 213
total
-
-
-
31 844
Employee
31 834
-
89 000
-
social contributions
4 394
-
12 281
-
income
5 309
-
12 942
-
health
2 222
-
6 213
-
total
11 925
-
31 436
-
Employer
31 834
-
89 000
-
total
-
-
-
-
Corporate
57 166
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%.

2 858
4 451
-
-
total
2 858
4 451
-
-
Dividends
54 309
84 549
-
-
social contributions
7 494
11 668
-
-
withholding
8 146
12 682
-
-
health
3 791
5 901
-
-
total
19 431
30 251
-
-
Income
89 000
89 000
89 000
89 000
Total tax
34 214
34 702
31 436
31 844
After tax
54 786
54 298
57 564
57 156
Living cost
19 909
19 909
19 909
19 909
Free-cash
34 877
34 389
37 655
37 247

Estimated living cost  is ₽19909 per week

₽13324
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1228
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.
₽4898
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽16893
-₽5453
₽12385
₽15436
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
13 961
surtax
-
-
-
185
unemployment
-
-
-
5 758
chamber of commerce
-
-
-
356
health
-
-
-
6 808
pensions
-
-
-
16 465
total
-
-
-
43 533
Employee
46 921
37 416
68 967
-
other
469
374
690
-
unemployment
1 408
1 122
2 069
-
pensions
4 805
3 831
7 063
-
income
5 342
2 760
12 495
-
health
1 816
1 449
2 669
-
total
13 840
9 536
24 986
-
Employer
46 921
37 416
68 967
-
chamber of commerce
187
150
276
-
health
1 773
1 415
2 607
-
pensions
5 889
4 697
8 655
-
accident
609
486
896
-
unemployment
1 408
1 122
2 069
-
surtax
185
185
185
-
payroll
1 408
1 122
2 069
-
other
2 229
1 776
3 277
-
total
13 688
10 953
20 034
-
Corporate
28 392
40 630
65 403
-
income

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

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

7 098
10 157
16 351
-
total
7 098
10 157
16 351
-
Dividends
21 294
30 473
-
-
withholding
5 856
8 379
-
-
total
5 856
8 379
-
-
Income
89 000
89 000
89 000
89 000
Total tax
40 482
39 025
61 371
43 533
After tax
48 518
49 975
27 629
45 467
Living cost
33 082
33 082
33 082
33 082
Free-cash
15 436
16 893
-5 453
12 385

Estimated living cost  is ₽33082 per week

₽22065
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2822
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽543
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7652
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽15700
₽755
₽8167
₽1620
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
communal

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

-
-
-
4 522
social contributions
-
-
-
13 619
national
-
-
-
28 459
total
-
-
-
46 600
Employee

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

67 159
-
68 933
-
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.

584
-
600
-
communal

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

3 503
-
3 595
-
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.

5 037
-
5 170
-
national
20 647
-
21 340
-
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.

3 155
-
3 239
-
total
32 926
-
33 944
-
Employer

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

67 159
-
68 933
-
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.

4 130
-
4 239
-
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.

5 951
-
6 108
-
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.

873
-
896
-
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.

980
-
1 007
-
surtax
7 615
-
7 818
-
total
19 549
-
20 068
-
Corporate
2 293
89 000
-
-
income
458
17 799
-
-
surtax
9
356
-
-
total
467
18 155
-
-
Dividends
1 826
70 844
-
-
withholding

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

205
20 912
-
-
total
205
20 912
-
-
Income
89 000
89 000
89 000
89 000
Total tax
53 147
39 067
54 012
46 600
After tax
35 853
49 933
34 988
42 400
Living cost
34 233
34 233
34 233
34 233
Free-cash
1 620
15 700
755
8 167

Estimated living cost  is ₽34233 per week

₽22050
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2993
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽536
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8654
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽26071
₽13568
₽13374
₽18590
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
accident
-
-
-
784
income
-
-
-
15 612
other
-
-
-
87
unemployment
-
-
-
609
pensions
-
-
-
24 627
total
-
-
-
41 719
Employee
46 735
-
67 486
-
other
46
-
68
-
unemployment
725
-
1 046
-
pensions
2 197
-
3 171
-
income
9 861
-
15 726
-
total
12 829
-
20 011
-
Employer
46 735
-
67 486
-
pensions
11 029
-
15 927
-
accident
925
-
1 336
-
unemployment
2 571
-
3 711
-
other
372
-
540
-
total
14 897
-
21 514
-
Corporate
27 368
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.

4 105
13 350
-
-
total
4 105
13 350
-
-
Dividends
23 263
75 650
-
-
withholding
4 672
15 672
-
-
total
4 672
15 672
-
-
Income
89 000
89 000
89 000
89 000
Total tax
36 503
29 022
41 525
41 719
After tax
52 497
59 978
47 475
47 281
Living cost
33 907
33 907
33 907
33 907
Free-cash
18 590
26 071
13 568
13 374

Estimated living cost  is ₽33907 per week

₽24969
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2405
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽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.
₽6044
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽3594
₽4641
₽510
-₽2560
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
communal
-
-
-
5 625
accident
-
-
-
750
income
-
-
-
7 087
surtax
-
-
-
4 411
health
-
-
-
6 254
pensions
-
-
-
13 340
total
-
-
-
37 467
Employee
71 101
-
79 498
-
pensions
5 687
-
6 361
-
surtax
4 358
-
4 871
-
income
6 868
-
9 064
-
health
3 164
-
3 538
-
total
20 077
-
23 834
-
Employer
71 101
-
79 498
-
health
2 168
-
2 425
-
pensions
5 687
-
6 361
-
accident
640
-
716
-
total
8 495
-
9 502
-
Corporate
9 404
89 000
-
-
communal
-
6 008
-
-
income
1 411
13 350
-
-
surtax
98
935
-
-
total
1 509
20 293
-
-
Dividends
7 895
68 706
-
-
income
9 271
3 785
-
-
withholding
1 185
10 305
-
-
total
10 456
14 090
-
-
Income
89 000
89 000
89 000
89 000
Total tax
40 537
34 383
33 336
37 467
After tax
48 463
54 617
55 664
51 533
Living cost
51 023
51 023
51 023
51 023
Free-cash
-2 560
3 594
4 641
510

Estimated living cost  is ₽51023 per week

₽38274
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3091
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽540
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9115
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽34891
₽23489
₽25203
₽31907
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
16 443
other
-
-
-
-
surtax
-
-
-
1 933
unemployment
-
-
-
214
health
-
-
-
6 320
pensions
-
-
-
17 799
total
-
-
-
42 709
Employee
31 618
-
73 524
-
other
-
-
-
-
unemployment
2 200
-
5 117
-
pensions
2 110
-
4 903
-
surtax
112
-
1 735
-
income
5 301
-
15 319
-
health
807
-
1 874
-
total
10 530
-
28 948
-
Employer
31 618
-
73 524
-
health
1 438
-
3 344
-
pensions
4 216
-
9 801
-
unemployment
1 003
-
2 330
-
other
-
-
-
-
total
6 657
-
15 475
-
Corporate
50 725
89 000
-
-
income
13 188
23 141
-
-
total
13 188
23 141
-
-
Dividends
37 537
65 859
-
-
withholding
5 630
9 880
-
-
total
5 630
9 880
-
-
Income
89 000
89 000
89 000
89 000
Total tax
36 005
33 021
44 423
42 709
After tax
52 995
55 979
44 577
46 291
Living cost
21 088
21 088
21 088
21 088
Free-cash
31 907
34 891
23 489
25 203

Estimated living cost  is ₽21088 per week

₽12732
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1833
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽490
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6035
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽21488
₽16169
₽20382
₽19405
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
22 891
regional
-
-
-
1 342
municipal
-
-
-
529
national
-
-
-
18 565
total
-
-
-
43 327
Employee
52 081
-
89 000
-
municipal
276
-
472
-
national
8 251
-
15 859
-
regional
701
-
1 198
-
social contributions
17 562
-
30 011
-
total
26 790
-
47 540
-
Employer
52 081
-
89 000
-
total
-
-
-
-
Corporate
36 919
89 000
-
-
municipal
1 835
4 424
-
-
nationa
8 860
21 361
-
-
total
10 695
25 785
-
-
Dividends
26 223
63 215
-
-
withholding
6 819
16 436
-
-
total
6 819
16 436
-
-
Income
89 000
89 000
89 000
89 000
Total tax
44 304
42 221
47 540
43 327
After tax
44 696
46 779
41 460
45 673
Living cost
25 291
25 291
25 291
25 291
Free-cash
19 405
21 488
16 169
20 382

Estimated living cost  is ₽25291 per week

₽15729
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2562
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽433
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6567
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽32946
₽16835
₽15017
₽22840
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
7 650
social contributions
-
-
-
25 988
solidarity contribution
-
-
-
-
health
-
-
-
12 015
total
-
-
-
45 653
Employee
41 662
-
66 418
-
solidarity contribution
-
-
-
-
social contributions
2 708
-
4 317
-
income
4 999
-
7 970
-
health
5 624
-
8 966
-
total
13 331
-
21 253
-
Employer
41 662
-
66 418
-
health
3 750
-
5 978
-
social contributions
10 416
-
16 604
-
total
14 166
-
22 582
-
Corporate
33 173
89 000
-
-
income
6 303
16 910
-
-
total
6 303
16 910
-
-
Dividends
26 870
72 090
-
-
withholding
4 030
10 814
-
-
total
4 030
10 814
-
-
Income
89 000
89 000
89 000
89 000
Total tax
37 830
27 724
43 835
45 653
After tax
51 170
61 276
45 165
43 347
Living cost
28 330
28 330
28 330
28 330
Free-cash
22 840
32 946
16 835
15 017

Estimated living cost  is ₽28330 per week

₽21068
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1569
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽490
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5203
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽20119
-₽2292
₽15698
₽19655
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
13 961
surtax
-
-
-
-
unemployment
-
-
-
5 758
chamber of commerce
-
-
-
356
health
-
-
-
6 808
pensions
-
-
-
16 465
total
-
-
-
43 348
Employee
41 041
37 416
69 109
-
other
410
374
691
-
unemployment
1 231
1 122
2 074
-
pensions
4 203
3 831
7 077
-
income
3 656
2 760
12 545
-
health
1 587
1 449
2 674
-
total
11 087
9 536
25 061
-
Employer
41 041
37 416
69 109
-
chamber of commerce
164
150
276
-
health
1 552
1 415
2 612
-
pensions
5 151
4 697
8 673
-
accident
533
486
898
-
unemployment
1 231
1 122
2 074
-
surtax
-
-
-
-
payroll
1 231
1 122
2 074
-
other
1 949
1 776
3 284
-
total
11 811
10 768
19 891
-
Corporate
36 148
40 816
65 546
-
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.

9 037
10 204
16 386
-
total
9 037
10 204
16 386
-
Dividends
27 111
30 612
-
-
withholding
7 456
8 419
-
-
total
7 456
8 419
-
-
Income
89 000
89 000
89 000
89 000
Total tax
39 391
38 927
61 338
43 348
After tax
49 609
50 073
27 662
45 652
Living cost
29 954
29 954
29 954
29 954
Free-cash
19 655
20 119
-2 292
15 698

Estimated living cost  is ₽29954 per week

₽17968
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3059
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽535
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8392
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽72783
₽59433
₽76343
₽70577
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
14 709
-
89 000
-
income
2 942
-
17 800
-
total
2 942
-
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%.

74 291
89 000
-
-
total
-
-
-
-
Dividends
74 291
89 000
-
-
withholding
3 714
4 450
-
-
total
3 714
4 450
-
-
Income
89 000
89 000
89 000
89 000
Total tax
6 656
4 450
17 800
890
After tax
82 344
84 550
71 200
88 110
Living cost
11 767
11 767
11 767
11 767
Free-cash
70 577
72 783
59 433
76 343

Estimated living cost  is ₽11767 per week

₽7963
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽494
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽395
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2915
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽36094
₽18526
₽21078
₽28242
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
income
-
-
-
17 594
unemployment
-
-
-
134
health
-
-
-
8 757
pensions
-
-
-
16 254
total
-
-
-
42 739
Employee

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

41 517
-
77 011
-
unemployment
59
-
109
-
pensions
6 435
-
11 937
-
income
7 160
-
16 281
-
health
2 681
-
4 975
-
total
16 335
-
33 302
-
Employer

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

41 517
-
77 011
-
health
2 765
-
5 128
-
pensions
3 674
-
6 815
-
unemployment
25
-
46
-
total
6 464
-
11 989
-
Corporate
41 019
89 000
-
-
income
7 793
16 910
-
-
total
7 793
16 910
-
-
Dividends
33 225
72 090
-
-
withholding
4 983
10 813
-
-
total
4 983
10 813
-
-
Income
89 000
89 000
89 000
89 000
Total tax
35 575
27 723
45 291
42 739
After tax
53 425
61 277
43 709
46 261
Living cost
25 183
25 183
25 183
25 183
Free-cash
28 242
36 094
18 526
21 078

Estimated living cost  is ₽25183 per week

₽17282
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1614
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.
₽5799
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽14047
₽36673
₽21405
-₽49573
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
17 348
social contributions
-
-
-
10 146
total
-
-
-
27 494
Employee
57 499
-
-
-
social contributions
4 715
-
672
-
income
12 683
-
-
-
total
17 398
-
672
-
Employer
57 499
-
-
-
social contributions
81 074
-
11 554
-
total
81 074
-
11 554
-
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
98 472
34 852
12 226
27 494
After tax
-9 472
54 148
76 774
61 506
Living cost
40 101
40 101
40 101
40 101
Free-cash
-49 573
14 047
36 673
21 405

Estimated living cost  is ₽40101 per week

₽26019
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3772
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.
₽9799
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽21174
₽16235
₽20535
₽20228
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
income
-
-
-
8 088
surtax
-
-
-
-
social contributions

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

-
-
-
30 927
total
-
-
-
39 015
Employee
43 181
-
71 919
-
surtax
-
-
-
-
social contributions
4 750
-
7 911
-
income
8 982
-
18 323
-
total
13 732
-
26 234
-
Employer
43 181
-
71 919
-
social contributions
10 255
-
17 081
-
total
10 255
-
17 081
-
Corporate
35 563
89 000
-
-
income
7 469
18 690
-
-
surtax
-
-
-
-
total
7 469
18 690
-
-
Dividends
28 095
70 310
-
-
withholding
7 866
19 686
-
-
total
7 866
19 686
-
-
Income
89 000
89 000
89 000
89 000
Total tax
39 322
38 376
43 315
39 015
After tax
49 678
50 624
45 685
49 985
Living cost
29 450
29 450
29 450
29 450
Free-cash
20 228
21 174
16 235
20 535

Estimated living cost  is ₽29450 per week

₽22034
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1737
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽492
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5187
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽493
₽5407
₽6044
₽5963
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
7 785
other
-
-
-
2 762
surtax
-
-
-
-
social contributions
-
-
-
2 535
health
-
-
-
1 379
pensions
-
-
-
23 148
total
-
-
-
37 609
Employee
58 804
-
67 817
-
pensions
6 651
-
7 668
-
surtax
-
-
-
-
social contributions
1 675
-
1 933
-
income
5 131
-
7 467
-
total
13 457
-
17 068
-
Employer
58 804
-
67 817
-
health
4 116
-
4 746
-
pensions
9 662
-
11 143
-
unemployment
2 382
-
2 747
-
social contributions
176
-
203
-
other
2 029
-
2 339
-
total
18 365
-
21 178
-
Corporate
11 830
89 000
-
-
income
3 312
24 921
-
-
surtax
-
-
-
-
total
3 312
24 921
-
-
Dividends
8 518
64 079
-
-
surtax
-
-
-
-
social contributions
1 466
11 022
-
-
withholding
1 090
8 203
-
-
total
2 556
19 225
-
-
Income
89 000
89 000
89 000
89 000
Total tax
37 690
44 146
38 246
37 609
After tax
51 310
44 854
50 754
51 391
Living cost
45 347
45 347
45 347
45 347
Free-cash
5 963
-493
5 407
6 044

Estimated living cost  is ₽45347 per week

₽30690
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3709
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽622
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽10325
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽51878
₽42323
₽39866
₽48722
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
1 333
social contributions
-
-
-
19 579
total
-
-
-
20 912
Employee
30 184
-
77 057
-
income
-
-
1 504
-
social contributions
1 962
-
5 008
-
total
1 962
-
6 512
-
Employer
30 184
-
77 057
-
social contributions
4 679
-
11 943
-
total
4 679
-
11 943
-
Corporate
54 137
89 000
-
-
income
5 415
8 900
-
-
total
5 415
8 900
-
-
Dividends
48 723
80 100
-
-
total
-
-
-
-
Income
89 000
89 000
89 000
89 000
Total tax
12 056
8 900
18 455
20 912
After tax
76 944
80 100
70 545
68 088
Living cost
28 222
28 222
28 222
28 222
Free-cash
48 722
51 878
42 323
39 866

Estimated living cost  is ₽28222 per week

₽18248
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2127
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽531
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7316
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽115558
-₽115558
₽10279
-₽115558
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
7 055
municipal
-
-
-
16 271
national
-
-
-
9 365
pensions
-
-
-
814
total
-
-
-
33 505
Employee
190 844
190 844
190 844
-
municipal
40 639
40 639
40 639
-
labour market
15 246
15 246
15 246
-
pensions
271
271
271
-
national
23 315
23 315
23 315
-
total
79 471
79 471
79 471
-
Employer
190 844
190 844
190 844
-
national
23 356
23 356
23 356
-
labour market
15 268
15 268
15 268
-
pensions
543
543
543
-
municipal
40 704
40 704
40 704
-
total
79 871
79 871
79 871
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
89 000
89 000
89 000
89 000
Total tax
159 342
159 342
159 342
33 505
After tax
-70 342
-70 342
-70 342
55 495
Living cost
45 216
45 216
45 216
45 216
Free-cash
-115 558
-115 558
-115 558
10 279

Estimated living cost  is ₽45216 per week

₽30946
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4000
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽695
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9574
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
-₽13413
₽24959
₽40501
₽4046
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
accident
-
-
-
240
income
-
-
-
21 250
other
-
-
-
353
health
-
-
-
2 075
pensions
-
-
-
3 959
total
-
-
-
27 877
Employee
32 441
-
75 411
-
pensions
3 653
-
7 259
-
income
4 450
-
13 936
-
health
3 715
-
8 635
-
total
11 818
-
29 830
-
Employer
32 441
-
75 411
-
pensions
5 275
-
10 482
-
accident
542
-
1 259
-
unemployment
795
-
1 848
-
total
6 612
-
13 589
-
Corporate
49 948
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.

44 953
80 100
-
-
total
44 953
80 100
-
-
Dividends
4 995
8 900
-
-
withholding
949
1 691
-
-
total
949
1 691
-
-
Income
89 000
89 000
89 000
89 000
Total tax
64 332
81 791
43 419
27 877
After tax
24 668
7 209
45 581
61 123
Living cost
20 622
20 622
20 622
20 622
Free-cash
4 046
-13 413
24 959
40 501

Estimated living cost  is ₽20622 per week

₽15011
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1176
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.
₽4049
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽23505
₽15115
₽27700
₽20955
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
978
municipal
-
-
-
15 845
national
-
-
-
8 431
total
-
-
-
25 254
Employee
49 396
-
74 871
-
municipal
8 091
-
12 228
-
unemployment
741
-
1 122
-
pensions
3 334
-
5 055
-
national
816
-
4 545
-
health
369
-
761
-
total
13 351
-
23 711
-
Employer
49 396
-
74 871
-
health
380
-
577
-
pensions
8 570
-
12 990
-
accident
50
-
75
-
unemployment
321
-
486
-
total
9 321
-
14 128
-
Corporate
30 284
89 000
-
-
income
6 056
17 799
-
-
total
6 056
17 799
-
-
Dividends

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

18 171
53 401
-
-
municipal
3 271
9 612
-
-
national
-
2 038
-
-
total
3 271
11 650
-
-
Income
89 000
89 000
89 000
89 000
Total tax
31 999
29 449
37 839
25 254
After tax
57 001
59 551
51 161
63 746
Living cost
36 046
36 046
36 046
36 046
Free-cash
20 955
23 505
15 115
27 700

Estimated living cost  is ₽36046 per week

₽23545
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3467
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽574
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8461
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽43437
₽41976
₽42063
₽38326
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
9 044
social contributions
-
-
-
13 885
health
-
-
-
2 270
total
-
-
-
25 199
Employee
72 195
72 195
80 799
-
social contributions
2 730
5 992
6 706
-
income
7 861
6 683
9 005
-
health
559
1 228
1 374
-
total
11 150
13 903
17 085
-
Employer
72 195
72 195
80 799
-
health
608
1 336
1 495
-
social contributions
2 730
5 992
6 706
-
total
3 338
7 328
8 201
-
Corporate
52 775
9 477
-
-
income
6 598
1 185
-
-
total
6 598
1 185
-
-
Dividends
46 178
8 292
-
-
withholding
7 850
1 409
-
-
total
7 850
1 409
-
-
Income
89 000
89 000
89 000
89 000
Total tax
28 936
23 825
25 286
25 199
After tax
60 064
65 175
63 714
63 801
Living cost
21 738
21 738
21 738
21 738
Free-cash
38 326
43 437
41 976
42 063

Estimated living cost  is ₽21738 per week

₽13028
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2133
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽481
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6097
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽58793
₽40003
₽56272
₽54017
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
income
-
-
-
8 424
unemployment
-
-
-
27
health
-
-
-
3 398
pensions
-
-
-
5 972
total
-
-
-
17 821
Employee

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

21 550
-
80 690
-
unemployment
107
-
403
-
pensions
3 232
-
12 103
-
income
1 473
-
6 414
-
health
1 832
-
6 860
-
total
6 644
-
25 780
-
Employer

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

21 550
-
80 690
-
health
926
-
3 469
-
pensions
1 185
-
4 438
-
unemployment
107
-
403
-
total
2 218
-
8 310
-
Corporate
65 231
89 000
-
-
income
5 871
8 011
-
-
total
5 871
8 011
-
-
Dividends
59 361
80 989
-
-
withholding
5 343
7 289
-
-
total
5 343
7 289
-
-
Income
89 000
89 000
89 000
89 000
Total tax
20 076
15 300
34 090
17 821
After tax
68 924
73 700
54 910
71 179
Living cost
14 907
14 907
14 907
14 907
Free-cash
54 017
58 793
40 003
56 272

Estimated living cost  is ₽14907 per week

₽9511
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1074
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽444
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3877
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽34160
₽21657
₽21463
₽29234
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
accident
-
-
-
784
income
-
-
-
15 612
other
-
-
-
87
unemployment
-
-
-
609
pensions
-
-
-
24 627
total
-
-
-
41 719
Employee
34 716
-
67 486
-
other
34
-
68
-
unemployment
538
-
1 046
-
pensions
1 632
-
3 171
-
income
6 693
-
15 726
-
total
8 897
-
20 011
-
Employer
34 716
-
67 486
-
pensions
8 192
-
15 927
-
accident
688
-
1 336
-
unemployment
1 910
-
3 711
-
other
278
-
540
-
total
11 068
-
21 514
-
Corporate
43 216
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.

6 482
13 350
-
-
total
6 482
13 350
-
-
Dividends
36 734
75 650
-
-
withholding
7 501
15 672
-
-
total
7 501
15 672
-
-
Income
89 000
89 000
89 000
89 000
Total tax
33 948
29 022
41 525
41 719
After tax
55 052
59 978
47 475
47 281
Living cost
25 818
25 818
25 818
25 818
Free-cash
29 234
34 160
21 657
21 463

Estimated living cost  is ₽25818 per week

₽17427
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2482
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽453
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5457
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽53639
₽54705
₽54839
₽53327
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
29 877
health
-
-
-
1 003
pensions
-
-
-
1 384
total
-
-
-
32 264
Employee
2 889
-
87 443
-
unemployment
29
-
69
-
pensions
260
-
623
-
income
559
-
29 804
-
health
144
-
346
-
total
992
-
30 842
-
Employer
2 889
-
87 443
-
health
275
-
657
-
pensions
318
-
761
-
unemployment
58
-
138
-
total
651
-
1 556
-
Corporate
85 460
89 000
-
-
income
18 801
19 580
-
-
total
18 801
19 580
-
-
Dividends
66 659
69 420
-
-
withholding
13 332
13 884
-
-
total
13 332
13 884
-
-
Income
89 000
89 000
89 000
89 000
Total tax
33 776
33 464
32 398
32 264
After tax
55 224
55 536
56 602
56 736
Living cost
1 897
1 897
1 897
1 897
Free-cash
53 327
53 639
54 705
54 839

Estimated living cost  is ₽1897 per week

₽1127
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽154
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽43
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽572
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽48057
₽30242
₽30243
₽43433
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
income
-
-
-
16 271
unemployment
-
-
-
1 041
health
-
-
-
7 150
pensions
-
-
-
18 050
total
-
-
-
42 512
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.

24 497
-
76 574
-
unemployment
184
-
521
-
pensions
3 430
-
9 719
-
income
3 377
-
16 271
-
health
1 262
-
3 575
-
total
8 253
-
30 086
-
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.

24 497
-
76 574
-
health
1 262
-
3 575
-
pensions
2 940
-
8 331
-
unemployment
184
-
521
-
total
4 386
-
12 427
-
Corporate
60 118
89 000
-
-
income
9 018
13 350
-
-
total
9 018
13 350
-
-
Dividends
51 101
75 650
-
-
withholding
7 665
11 348
-
-
total
7 665
11 348
-
-
Income
89 000
89 000
89 000
89 000
Total tax
29 322
24 698
42 513
42 512
After tax
59 678
64 302
46 487
46 488
Living cost
16 245
16 245
16 245
16 245
Free-cash
43 433
48 057
30 242
30 243

Estimated living cost  is ₽16245 per week

₽10938
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1257
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽470
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3581
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽25312
₽20374
₽24674
₽24974
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
income
-
-
-
8 088
surtax
-
-
-
-
social contributions

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

-
-
-
30 927
total
-
-
-
39 015
Employee
36 440
-
71 919
-
surtax
-
-
-
-
social contributions
4 009
-
7 911
-
income
7 120
-
18 323
-
total
11 129
-
26 234
-
Employer
36 440
-
71 919
-
social contributions
8 654
-
17 081
-
total
8 654
-
17 081
-
Corporate
43 906
89 000
-
-
income
9 220
18 690
-
-
surtax
-
-
-
-
total
9 220
18 690
-
-
Dividends
34 686
70 310
-
-
withholding
9 712
19 686
-
-
total
9 712
19 686
-
-
Income
89 000
89 000
89 000
89 000
Total tax
38 715
38 376
43 315
39 015
After tax
50 285
50 624
45 685
49 985
Living cost
25 312
25 312
25 312
25 312
Free-cash
24 974
25 312
20 374
24 674

Estimated living cost  is ₽25312 per week

₽17927
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1759
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽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.
₽5178
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽26982
₽14479
₽14285
₽19822
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
accident
-
-
-
784
income
-
-
-
15 612
other
-
-
-
87
unemployment
-
-
-
609
pensions
-
-
-
24 627
total
-
-
-
41 719
Employee
45 344
-
67 486
-
other
45
-
68
-
unemployment
702
-
1 046
-
pensions
2 131
-
3 171
-
income
9 471
-
15 726
-
total
12 349
-
20 011
-
Employer
45 344
-
67 486
-
pensions
10 701
-
15 927
-
accident
898
-
1 336
-
unemployment
2 494
-
3 711
-
other
363
-
540
-
total
14 456
-
21 514
-
Corporate
29 200
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.

4 379
13 350
-
-
total
4 379
13 350
-
-
Dividends
24 820
75 650
-
-
withholding
4 998
15 672
-
-
total
4 998
15 672
-
-
Income
89 000
89 000
89 000
89 000
Total tax
36 182
29 022
41 525
41 719
After tax
52 818
59 978
47 475
47 281
Living cost
32 996
32 996
32 996
32 996
Free-cash
19 822
26 982
14 479
14 285

Estimated living cost  is ₽32996 per week

₽23697
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2566
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽465
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6270
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽59944
₽53408
₽50742
₽54222
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
13 350
unemployment
-
-
-
131
health
-
-
-
3 772
pensions

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

-
-
-
4 854
total
-
-
-
22 107
Employee
21 387
-
82 566
-
accident

We are using the highest rate at 1.1%.

235
-
361
-
pensions

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

1 878
-
2 880
-
income
2 139
-
8 256
-
health
984
-
1 509
-
total
5 236
-
13 006
-
Employer
21 387
-
82 566
-
health
1 476
-
2 263
-
pensions

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

2 357
-
3 614
-
accident

We are using the highest rate at 1.1%.

235
-
361
-
unemployment
128
-
197
-
total
4 196
-
6 435
-
Corporate
63 417
89 000
-
-
income
6 341
8 900
-
-
total
6 341
8 900
-
-
Dividends
57 076
80 100
-
-
withholding
2 854
4 005
-
-
total
2 854
4 005
-
-
Income
89 000
89 000
89 000
89 000
Total tax
18 627
12 905
19 441
22 107
After tax
70 373
76 095
69 559
66 893
Living cost
16 151
16 151
16 151
16 151
Free-cash
54 222
59 944
53 408
50 742

Estimated living cost  is ₽16151 per week

₽10682
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽925
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽385
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4160
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽9683
₽27689
₽21182
₽21963
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
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.

-
-
-
17 676
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.

-
-
-
973
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.

-
-
-
6 414
trade
-
-
-
6 507
total
-
-
-
31 570
Employee

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

46 715
-
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.

212
-
973
-
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.

3 841
-
17 676
-
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.

6 414
-
6 414
-
total
10 467
-
25 063
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
42 285
89 000
-
-
income
6 343
13 350
-
-
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.

349
734
-
-
chamber of commerce
205
273
-
-
trade
6 068
12 771
-
-
total
12 965
27 128
-
-
Dividends
29 320
61 872
-
-
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.

383
830
-
-
withholding
6 974
15 111
-
-
total
7 357
15 941
-
-
Income
89 000
89 000
89 000
89 000
Total tax
30 789
43 069
25 063
31 570
After tax
58 211
45 931
63 937
57 430
Living cost
36 248
36 248
36 248
36 248
Free-cash
21 963
9 683
27 689
21 182

Estimated living cost  is ₽36248 per week

₽25004
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3900
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽526
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6817
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽8816
₽7623
₽7623
₽10890
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
20 082
social contributions
-
-
-
7 812
total
-
-
-
27 894
Employee
73 441
-
89 000
-
income
13 858
-
20 082
-
social contributions
6 101
-
7 812
-
total
19 959
-
27 894
-
Employer
73 441
-
89 000
-
total
-
-
-
-
Corporate
15 559
89 000
-
-
income
1 946
11 125
-
-
total
1 946
11 125
-
-
Dividends
13 613
77 875
-
-
withholding
2 722
15 576
-
-
total
2 722
15 576
-
-
Income
89 000
89 000
89 000
89 000
Total tax
24 627
26 701
27 894
27 894
After tax
64 373
62 299
61 106
61 106
Living cost
53 483
53 483
53 483
53 483
Free-cash
10 890
8 816
7 623
7 623

Estimated living cost  is ₽53483 per week

₽40689
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4358
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.
₽7925
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽18809
₽31205
₽22513
₽22993
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
26 725
health

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

-
-
-
5 680
total
-
-
-
32 405
Employee
43 070
-
84 681
-
income
4 673
-
15 075
-
social contributions
4 315
-
4 319
-
total
8 988
-
19 394
-
Employer
43 070
-
84 681
-
social contributions
4 315
-
4 319
-
total
4 315
-
4 319
-
Corporate
41 615
89 000
-
-
income
14 565
31 149
-
-
total
14 565
31 149
-
-
Dividends
27 049
57 851
-
-
social contributions
4 057
4 960
-
-
total
4 057
4 960
-
-
Income
89 000
89 000
89 000
89 000
Total tax
31 925
36 109
23 713
32 405
After tax
57 075
52 891
65 287
56 595
Living cost
34 082
34 082
34 082
34 082
Free-cash
22 993
18 809
31 205
22 513

Estimated living cost  is ₽34082 per week

₽22449
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2687
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽522
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8422
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽31565
₽20921
₽30108
₽26380
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
17 467
pensions
-
-
-
6 437
total
-
-
-
23 904
Employee
48 026
-
78 458
-
pensions
3 666
-
7 319
-
income
8 746
-
13 978
-
health
626
-
1 251
-
total
13 038
-
22 548
-
Employer
48 026
-
78 458
-
health
913
-
1 492
-
pensions
4 852
-
9 051
-
total
5 765
-
10 543
-
Corporate
35 209
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.

6 690
16 911
-
-
total
6 690
16 911
-
-
Dividends
28 519
72 089
-
-
withholding
2 139
5 536
-
-
total
2 139
5 536
-
-
Income
89 000
89 000
89 000
89 000
Total tax
27 632
22 447
33 091
23 904
After tax
61 368
66 553
55 909
65 096
Living cost
34 988
34 988
34 988
34 988
Free-cash
26 380
31 565
20 921
30 108

Estimated living cost  is ₽34988 per week

₽24001
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3217
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽438
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7329
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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
-₽15455
₽22917
₽38459
₽3734
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
accident
-
-
-
240
income
-
-
-
21 250
other
-
-
-
353
health
-
-
-
2 075
pensions
-
-
-
3 959
total
-
-
-
27 877
Employee
35 652
-
75 411
-
pensions
4 014
-
7 259
-
income
4 891
-
13 936
-
health
4 082
-
8 635
-
total
12 987
-
29 830
-
Employer
35 652
-
75 411
-
pensions
5 797
-
10 482
-
accident
595
-
1 259
-
unemployment
873
-
1 848
-
total
7 265
-
13 589
-
Corporate
46 083
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.

41 475
80 100
-
-
total
41 475
80 100
-
-
Dividends
4 608
8 900
-
-
withholding
875
1 691
-
-
total
875
1 691
-
-
Income
89 000
89 000
89 000
89 000
Total tax
62 602
81 791
43 419
27 877
After tax
26 398
7 209
45 581
61 123
Living cost
22 664
22 664
22 664
22 664
Free-cash
3 734
-15 455
22 917
38 459

Estimated living cost  is ₽22664 per week

₽16633
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1321
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽457
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4254
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽62206
₽42141
₽38320
₽58396
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
13 518
unemployment
-
-
-
1 068
work injury
-
-
-
445
health insurance
-
-
-
6 586
pensions
-
-
-
16 376
total
-
-
-
37 993
Employee

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

20 298
-
89 000
-
health insurance
1 502
-
5 558
-
unemployment
244
-
901
-
work injury
101
-
376
-
pensions
3 735
-
13 819
-
income
2 030
-
13 518
-
total
7 612
-
34 172
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
68 702
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
68 702
88 110
-
-
withholding
10 305
13 217
-
-
total
10 305
13 217
-
-
Income
89 000
89 000
89 000
89 000
Total tax
17 917
14 107
34 172
37 993
After tax
71 083
74 893
54 828
51 007
Living cost
12 687
12 687
12 687
12 687
Free-cash
58 396
62 206
42 141
38 320

Estimated living cost  is ₽12687 per week

₽7860
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽922
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽396
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3509
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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
₽9476
₽3743
₽7813
₽5207
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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
-
-
-
22 891
regional
-
-
-
1 733
municipal
-
-
-
595
national
-
-
-
18 565
total
-
-
-
43 784
Employee
79 116
-
89 000
-
municipal
472
-
531
-
national
13 370
-
15 859
-
regional
1 194
-
1 453
-
social contributions
26 677
-
30 011
-
total
41 713
-
47 854
-
Employer
79 116
-
89 000
-
total
-
-
-
-
Corporate
9 884
89 000
-
-
municipal
476
4 290
-
-
nationa
2 371
21 361
-
-
total
2 847
25 651
-
-
Dividends
7 037
63 349
-
-
withholding
1 830
16 470
-
-
total
1 830
16 470
-
-
Income
89 000
89 000
89 000
89 000
Total tax
46 390
42 121
47 854
43 784
After tax
42 610
46 879
41 146
45 216
Living cost
37 403
37 403
37 403
37 403
Free-cash
5 207
9 476
3 743
7 813

Estimated living cost  is ₽37403 per week

₽26273
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2573
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽565
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7991
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽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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