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
₴ 10000
per

Your estimated
City
free-cash

Valencia , Spain
-₴4821
-₴3400
-₴2688
-₴1574
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
10 000
unemployment
-
-
-
70
income
-
-
-
1 330
other
-
-
-
10
accident
-
-
-
90
pensions
-
-
-
2 830
total
-
-
-
4 330
Employee
11 238
-
6 764
-
unemployment
174
-
157
-
pensions
528
-
477
-
income
2 167
-
1 163
-
other
11
-
10
-
total
2 880
-
1 807
-
Employer
11 238
-
6 764
-
pensions
2 652
-
2 395
-
accident
223
-
201
-
unemployment
618
-
558
-
other
90
-
81
-
total
3 583
-
3 235
-
Corporate
-
10 000
-
-
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.

-
1 500
-
-
total
-
1 500
-
-
Dividends
-
8 500
-
-
withholding
-
1 716
-
-
total
-
1 716
-
-
Income
10 000
10 000
10 000
10 000
Total tax
6 463
3 216
5 042
4 330
After tax
3 537
6 784
4 958
5 670
Living cost
8 358
8 358
8 358
8 358
Free-cash
-4 821
-1 574
-3 400
-2 688

Estimated living cost  is ₴8358 per week

₴5641
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴803
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴146
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1767
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Bratislava , Slovakia
-₴3816
-₴2238
-₴2683
-₴751
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
10 000
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.

-
-
-
2 400
income
-
-
-
1 270
other
-
-
-
475
health
-
-
-
440
total
-
-
-
4 585
Employee
11 035
-
7 987
-
health
155
-
112
-
unemployment
110
-
80
-
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.

772
-
559
-
income
1 900
-
1 375
-
total
2 937
-
2 126
-
Employer
11 035
-
7 987
-
health
155
-
112
-
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.

1 876
-
1 358
-
accident
88
-
64
-
unemployment
110
-
80
-
other
552
-
400
-
total
2 781
-
2 014
-
Corporate
-
10 000
-
-
income
-
2 100
-
-
total
-
2 100
-
-
Dividends
-
7 900
-
-
withholding
-
553
-
-
total
-
553
-
-
Income
10 000
10 000
10 000
10 000
Total tax
5 718
2 653
4 140
4 585
After tax
4 282
7 347
5 860
5 415
Living cost
8 098
8 098
8 098
8 098
Free-cash
-3 816
-751
-2 238
-2 683

Estimated living cost  is ₴8098 per week

₴5722
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴547
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴130
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1699
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Varna , Bulgaria
₴3159
₴2333
₴1849
₴4569
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
10 000
pensions

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

-
-
-
1 480
unemployment
-
-
-
40
income
-
-
-
1 500
health
-
-
-
1 150
total
-
-
-
4 170
Employee
5 271
-
8 360
-
health
242
-
384
-
accident

We are using the highest rate at 1.1%.

58
-
92
-
pensions

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

463
-
734
-
income
527
-
836
-
total
1 290
-
2 046
-
Employer
5 271
-
8 360
-
health
364
-
577
-
pensions

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

581
-
921
-
accident

We are using the highest rate at 1.1%.

58
-
92
-
unemployment
32
-
50
-
total
1 035
-
1 640
-
Corporate
3 694
10 000
-
-
income
369
1 000
-
-
total
369
1 000
-
-
Dividends
3 325
9 000
-
-
withholding
166
450
-
-
total
166
450
-
-
Income
10 000
10 000
10 000
10 000
Total tax
2 860
1 450
3 686
4 170
After tax
7 140
8 550
6 314
5 830
Living cost
3 981
3 981
3 981
3 981
Free-cash
3 159
4 569
2 333
1 849

Estimated living cost  is ₴3981 per week

₴2324
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴284
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴105
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1267
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Nice , France
-₴7071
-₴3974
-₴4238
-₴5358
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
10 000
income
-
-
-
76
other
-
-
-
310
health
-
-
-
87
social contributions
-
-
-
285
pensions
-
-
-
3 082
surtax
-
-
-
-
total
-
-
-
3 840
Employee
13 007
-
7 620
-
pensions
1 471
-
862
-
income
768
-
117
-
social contributions
371
-
217
-
surtax
-
-
-
-
total
2 610
-
1 196
-
Employer
13 007
-
7 620
-
health
911
-
533
-
social contributions
39
-
23
-
pensions
2 137
-
1 252
-
unemployment
527
-
309
-
other
449
-
263
-
total
4 063
-
2 380
-
Corporate
-
10 000
-
-
income
-
2 800
-
-
surtax
-
-
-
-
total
-
2 800
-
-
Dividends
-
7 200
-
-
social contributions
-
1 238
-
-
surtax
-
-
-
-
withholding
-
922
-
-
total
-
2 160
-
-
Income
10 000
10 000
10 000
10 000
Total tax
6 673
4 960
3 576
3 840
After tax
3 327
5 040
6 424
6 160
Living cost
10 398
10 398
10 398
10 398
Free-cash
-7 071
-5 358
-3 974
-4 238

Estimated living cost  is ₴10398 per week

₴6557
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴846
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴177
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴2820
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Rotterdam , Netherlands
-₴20180
-₴20180
-₴6967
-₴18473
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
10 000
pensions
-
-
-
1 800
income
-
-
-
900
health
-
-
-
1 535
total
-
-
-
4 235
Employee
25 954
25 954
25 954
-
health
3 984
3 388
3 984
-
pensions
4 672
3 561
4 672
-
income

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

4 248
4 248
4 248
-
total
12 904
11 197
12 904
-
Employer
25 954
25 954
25 954
-
health
1 804
1 804
1 804
-
pensions
1 806
1 806
1 806
-
unemployment
934
934
934
-
total
4 544
4 544
4 544
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
10 000
10 000
10 000
10 000
Total tax
17 448
15 741
17 448
4 235
After tax
-7 448
-5 741
-7 448
5 765
Living cost
12 732
12 732
12 732
12 732
Free-cash
-20 180
-18 473
-20 180
-6 967

Estimated living cost  is ₴12732 per week

₴9023
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1148
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴202
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴2359
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Dresden , Germany
-₴1625
-₴1796
-₴1796
-₴4091
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
10 000
trade
-
-
-
-
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.

-
-
-
487
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.

-
-
-
2 076
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.

-
-
-
27
total
-
-
-
2 590
Employee

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

11 624
-
10 000
-
health

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

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

2 076
-
2 076
-
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.

325
-
487
-
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.

18
-
27
-
total
2 419
-
2 590
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
10 000
-
-
income
-
1 500
-
-
trade
-
1 575
-
-
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.

-
82
-
-
chamber of commerce
-
61
-
-
total
-
3 218
-
-
Dividends
-
6 782
-
-
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.

-
87
-
-
withholding
-
1 580
-
-
total
-
1 667
-
-
Income
10 000
10 000
10 000
10 000
Total tax
2 419
4 885
2 590
2 590
After tax
7 581
5 115
7 410
7 410
Living cost
9 206
9 206
9 206
9 206
Free-cash
-1 625
-4 091
-1 796
-1 796

Estimated living cost  is ₴9206 per week

₴5791
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1073
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴172
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴2170
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴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.

Larnaca , Cyprus
-₴1728
-₴1458
₴866
-₴3910
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
11 554
income
-
-
-
-
health
-
-
-
295
social contributions
-
-
-
1 802
total
-
-
-
2 097
Employee
23 370
23 370
23 370
-
health
181
397
155
-
income
2 545
2 163
2 592
-
social contributions
884
1 940
753
-
total
3 610
4 500
3 500
-
Employer
23 370
23 370
23 370
-
health
197
433
168
-
social contributions
884
1 940
753
-
total
1 081
2 373
921
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
10 000
10 000
10 000
10 000
Total tax
4 691
6 873
4 421
2 097
After tax
5 309
3 127
5 579
7 903
Living cost
7 037
7 037
7 037
7 037
Free-cash
-1 728
-3 910
-1 458
866

Estimated living cost  is ₴7037 per week

₴4217
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴690
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴156
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1974
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Lisbon , Portugal
-₴7298
-₴3703
-₴3592
-₴3845
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
10 000
income
-
-
-
584
social contributions

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

-
-
-
3 475
surtax
-
-
-
-
total
-
-
-
4 059
Employee
13 978
-
8 081
-
income
2 907
-
1 362
-
social contributions
1 538
-
889
-
surtax
-
-
-
-
total
4 445
-
2 251
-
Employer
13 978
-
8 081
-
social contributions
3 320
-
1 919
-
total
3 320
-
1 919
-
Corporate
-
10 000
-
-
income
-
2 100
-
-
surtax
-
-
-
-
total
-
2 100
-
-
Dividends
-
7 900
-
-
withholding
-
2 212
-
-
total
-
2 212
-
-
Income
10 000
10 000
10 000
10 000
Total tax
7 765
4 312
4 170
4 059
After tax
2 235
5 688
5 830
5 941
Living cost
9 533
9 533
9 533
9 533
Free-cash
-7 298
-3 845
-3 703
-3 592

Estimated living cost  is ₴9533 per week

₴7133
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴562
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴159
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1679
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Batumi , Georgia
₴6768
₴5699
₴7599
₴7199
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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%.

-
-
-
10 000
microenterprise

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

-
-
-
100
total
-
-
-
100
Employee
2 876
-
10 000
-
income
575
-
2 000
-
total
575
-
2 000
-
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%.

7 124
10 000
-
-
total
-
-
-
-
Dividends
7 124
10 000
-
-
withholding
356
500
-
-
total
356
500
-
-
Income
10 000
10 000
10 000
10 000
Total tax
931
500
2 000
100
After tax
9 069
9 500
8 000
9 900
Living cost
2 301
2 301
2 301
2 301
Free-cash
6 768
7 199
5 699
7 599

Estimated living cost  is ₴2301 per week

₴1426
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴191
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴63
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴620
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴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.

Ljubljana , Slovenia
-₴5532
-₴2722
-₴2405
-₴1267
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
10 000
pensions
-
-
-
1 826
unemployment
-
-
-
15
income
-
-
-
1 428
health
-
-
-
984
total
-
-
-
4 253
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.

13 440
-
8 653
-
health
868
-
559
-
unemployment
19
-
12
-
pensions
2 083
-
1 341
-
income
2 318
-
1 311
-
total
5 288
-
3 223
-
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.

13 440
-
8 653
-
health
895
-
576
-
pensions
1 189
-
766
-
unemployment
8
-
5
-
total
2 092
-
1 347
-
Corporate
-
10 000
-
-
income
-
1 900
-
-
total
-
1 900
-
-
Dividends
-
8 100
-
-
withholding
-
1 215
-
-
total
-
1 215
-
-
Income
10 000
10 000
10 000
10 000
Total tax
7 380
3 115
4 570
4 253
After tax
2 620
6 885
5 430
5 747
Living cost
8 152
8 152
8 152
8 152
Free-cash
-5 532
-1 267
-2 722
-2 405

Estimated living cost  is ₴8152 per week

₴5594
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴523
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴158
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1877
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Sliema , Malta
-₴6246
-₴3293
-₴11592
-₴5508
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
10 000
income
-
-
-
8 651
health

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

-
-
-
1 908
total
-
-
-
10 559
Employee
13 942
-
9 089
-
social contributions
1 397
-
911
-
income
1 513
-
439
-
total
2 910
-
1 350
-
Employer
13 942
-
9 089
-
social contributions
1 397
-
911
-
total
1 397
-
911
-
Corporate
-
10 000
-
-
income
-
3 500
-
-
total
-
3 500
-
-
Dividends
-
6 500
-
-
social contributions
907
975
-
-
total
907
975
-
-
Income
10 000
10 000
10 000
10 000
Total tax
5 214
4 475
2 261
10 559
After tax
4 786
5 525
7 739
-559
Living cost
11 032
11 032
11 032
11 032
Free-cash
-6 246
-5 508
-3 293
-11 592

Estimated living cost  is ₴11032 per week

₴7267
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴870
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴169
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴2726
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Vilnius , Lithuania
-₴1103
-₴172
-₴23
-₴344
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
10 000
income
-
-
-
1 500
health
-
-
-
698
social contributions
-
-
-
1 380
total
-
-
-
3 578
Employee
10 305
-
10 000
-
health
719
-
698
-
income
1 719
-
1 649
-
social contributions
1 422
-
1 380
-
total
3 860
-
3 727
-
Employer
10 305
-
10 000
-
total
-
-
-
-
Corporate
-
10 000
-
-
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%.

-
500
-
-
total
-
500
-
-
Dividends
-
9 500
-
-
social contributions
530
1 311
-
-
withholding
-
1 425
-
-
health
268
663
-
-
total
798
3 399
-
-
Income
10 000
10 000
10 000
10 000
Total tax
4 658
3 899
3 727
3 578
After tax
5 342
6 101
6 273
6 422
Living cost
6 445
6 445
6 445
6 445
Free-cash
-1 103
-344
-172
-23

Estimated living cost  is ₴6445 per week

₴4313
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴397
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴148
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1585
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Prague , Czech Republic
-₴6774
-₴3438
-₴3641
-₴1627
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
10 000
income
-
-
-
859
health
-
-
-
1 350
social contributions
-
-
-
2 920
solidarity contribution
-
-
-
-
total
-
-
-
5 129
Employee
12 517
-
7 463
-
health
1 690
-
1 007
-
solidarity contribution
-
-
-
-
income
1 502
-
896
-
social contributions
814
-
485
-
total
4 006
-
2 388
-
Employer
12 517
-
7 463
-
health
1 127
-
672
-
social contributions
3 129
-
1 866
-
total
4 256
-
2 538
-
Corporate
-
10 000
-
-
income
-
1 900
-
-
total
-
1 900
-
-
Dividends
-
8 100
-
-
withholding
-
1 215
-
-
total
-
1 215
-
-
Income
10 000
10 000
10 000
10 000
Total tax
8 262
3 115
4 926
5 129
After tax
1 738
6 885
5 074
4 871
Living cost
8 512
8 512
8 512
8 512
Free-cash
-6 774
-1 627
-3 438
-3 641

Estimated living cost  is ₴8512 per week

₴6330
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴472
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴147
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1563
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Tbilisi , Georgia
₴5242
₴4414
₴6314
₴5914
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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%.

-
-
-
10 000
microenterprise

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

-
-
-
100
total
-
-
-
100
Employee
4 482
-
10 000
-
income
896
-
2 000
-
total
896
-
2 000
-
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%.

5 518
10 000
-
-
total
-
-
-
-
Dividends
5 518
10 000
-
-
withholding
276
500
-
-
total
276
500
-
-
Income
10 000
10 000
10 000
10 000
Total tax
1 172
500
2 000
100
After tax
8 828
9 500
8 000
9 900
Living cost
3 586
3 586
3 586
3 586
Free-cash
5 242
5 914
4 414
6 314

Estimated living cost  is ₴3586 per week

₴2426
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴151
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴120
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴888
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴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.

Paris , France
-₴14980
-₴8255
-₴8519
-₴9639
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
10 000
income
-
-
-
76
other
-
-
-
310
health
-
-
-
87
social contributions
-
-
-
285
pensions
-
-
-
3 082
surtax
-
-
-
-
total
-
-
-
3 840
Employee
19 035
-
7 620
-
pensions
2 153
-
862
-
income
1 661
-
117
-
social contributions
542
-
217
-
surtax
-
-
-
-
total
4 356
-
1 196
-
Employer
19 035
-
7 620
-
health
1 332
-
533
-
social contributions
57
-
23
-
pensions
3 128
-
1 252
-
unemployment
771
-
309
-
other
657
-
263
-
total
5 945
-
2 380
-
Corporate
-
10 000
-
-
income
-
2 800
-
-
surtax
-
-
-
-
total
-
2 800
-
-
Dividends
-
7 200
-
-
social contributions
-
1 238
-
-
surtax
-
-
-
-
withholding
-
922
-
-
total
-
2 160
-
-
Income
10 000
10 000
10 000
10 000
Total tax
10 301
4 960
3 576
3 840
After tax
-301
5 040
6 424
6 160
Living cost
14 679
14 679
14 679
14 679
Free-cash
-14 980
-9 639
-8 255
-8 519

Estimated living cost  is ₴14679 per week

₴9935
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1201
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴201
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴3342
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Belgrade , Serbia
₴497
₴350
-₴79
₴1988
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
10 000
pensions
-
-
-
2 600
unemployment
-
-
-
150
income
-
-
-
1 062
health
-
-
-
1 030
total
-
-
-
4 842
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.

7 897
-
8 482
-
health
407
-
437
-
unemployment
59
-
64
-
pensions
1 106
-
1 187
-
income
1 089
-
1 206
-
total
2 661
-
2 894
-
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.

7 897
-
8 482
-
health
407
-
437
-
pensions
948
-
1 018
-
unemployment
59
-
64
-
total
1 414
-
1 519
-
Corporate
690
10 000
-
-
income
103
1 500
-
-
total
103
1 500
-
-
Dividends
586
8 500
-
-
withholding
88
1 275
-
-
total
88
1 275
-
-
Income
10 000
10 000
10 000
10 000
Total tax
4 266
2 775
4 413
4 842
After tax
5 734
7 225
5 587
5 158
Living cost
5 237
5 237
5 237
5 237
Free-cash
497
1 988
350
-79

Estimated living cost  is ₴5237 per week

₴3526
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴405
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴152
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1154
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Zurich , Switzerland
-₴16525
-₴12888
-₴12129
-₴16120
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
10 000
pensions
-
-
-
920
city
-
-
-
105
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.

-
-
-
200
health
-
-
-
67
regional
-
-
-
135
national
-
-
-
9
total
-
-
-
1 436
Employee
24 216
-
8 816
-
health
55
-
20
-
unemployment
-
-
-
-
city
260
-
93
-
pensions
2 035
-
891
-
regional
793
-
103
-
national
115
-
1
-
total
3 258
-
1 108
-
Employer
24 216
-
8 816
-
health
55
-
20
-
pensions
2 035
-
891
-
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.

484
-
176
-
total
2 574
-
1 087
-
Corporate
-
10 000
-
-
regional
-
2 115
-
-
national
-
850
-
-
total
-
2 965
-
-
Dividends
-
7 035
-
-
withholding
-
2 462
-
-
total
-
2 462
-
-
Income
10 000
10 000
10 000
10 000
Total tax
5 832
5 427
2 195
1 436
After tax
4 168
4 573
7 805
8 564
Living cost
20 693
20 693
20 693
20 693
Free-cash
-16 525
-16 120
-12 888
-12 129

Estimated living cost  is ₴20693 per week

₴13457
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1857
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴254
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴5126
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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.

Helsinki , Finland
-₴9006
-₴5343
-₴3490
-₴4748
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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

-
-
-
10 000
municipal
-
-
-
1 795
health
-
-
-
27
national
-
-
-
-
total
-
-
-
1 822
Employee
15 990
-
8 412
-
health
119
-
3
-
unemployment
240
-
126
-
pensions
1 079
-
568
-
national
264
-
-
-
municipal
2 619
-
1 389
-
total
4 321
-
2 086
-
Employer
15 990
-
8 412
-
health
123
-
65
-
pensions
2 774
-
1 460
-
accident
16
-
9
-
unemployment
104
-
55
-
total
3 017
-
1 589
-
Corporate
-
10 000
-
-
income
-
2 000
-
-
total
-
2 000
-
-
Dividends

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

-
6 000
-
-
municipal
-
1 080
-
-
national
-
-
-
-
total
-
1 080
-
-
Income
10 000
10 000
10 000
10 000
Total tax
7 338
3 080
3 675
1 822
After tax
2 662
6 920
6 325
8 178
Living cost
11 668
11 668
11 668
11 668
Free-cash
-9 006
-4 748
-5 343
-3 490

Estimated living cost  is ₴11668 per week

₴7622
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1122
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴186
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴2739
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴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.

Brussels , Belgium
-₴18067
-₴6433
-₴4783
-₴5398
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
10 000
communal

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

-
-
-
573
social contributions
-
-
-
459
national
-
-
-
2 670
total
-
-
-
3 702
Employee

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

21 740
-
7 745
-
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.

1 021
-
364
-
communal

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

1 134
-
404
-
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.

189
-
67
-
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.

1 630
-
581
-
national
6 684
-
1 683
-
total
10 658
-
3 099
-
Employer

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

21 740
-
7 745
-
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.

1 337
-
476
-
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.

1 926
-
686
-
surtax
2 465
-
878
-
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.

283
-
100
-
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.

317
-
113
-
total
6 328
-
2 253
-
Corporate
-
10 000
-
-
income
-
2 000
-
-
surtax
-
40
-
-
total
-
2 040
-
-
Dividends
-
7 960
-
-
withholding

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

-
2 277
-
-
total
-
2 277
-
-
Income
10 000
10 000
10 000
10 000
Total tax
16 986
4 317
5 352
3 702
After tax
-6 986
5 683
4 648
6 298
Living cost
11 081
11 081
11 081
11 081
Free-cash
-18 067
-5 398
-6 433
-4 783

Estimated living cost  is ₴11081 per week

₴7138
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴969
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴174
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴2801
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Stockholm , Sweden
-₴14612
-₴7804
-₴8159
-₴7684
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
10 000
unemployment
-
-
-
10
municipal
-
-
-
2 118
other
-
-
-
1 162
health
-
-
-
624
national
-
-
-
-
accident
-
-
-
20
pensions
-
-
-
1 081
total
-
-
-
5 015
Employee
18 728
-
7 609
-
national
-
-
-
-
municipal
5 585
-
2 269
-
total
5 585
-
2 269
-
Employer
18 728
-
7 609
-
health
1 152
-
468
-
pensions
2 024
-
823
-
accident
37
-
15
-
unemployment
494
-
201
-
other
2 176
-
884
-
total
5 883
-
2 391
-
Corporate
-
10 000
-
-
income
-
2 200
-
-
total
-
2 200
-
-
Dividends
-
7 800
-
-
withholding
-
2 340
-
-
total
-
2 340
-
-
Income
10 000
10 000
10 000
10 000
Total tax
11 468
4 540
4 660
5 015
After tax
-1 468
5 460
5 340
4 985
Living cost
13 144
13 144
13 144
13 144
Free-cash
-14 612
-7 684
-7 804
-8 159

Estimated living cost  is ₴13144 per week

₴8711
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1290
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴200
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴2943
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Oslo , Norway
-₴40484
-₴9413
-₴7698
-₴8525
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
10 000
income
-
-
-
1 949
social contributions
-
-
-
1 140
total
-
-
-
3 089
Employee
20 948
-
1 835
-
income
4 621
-
350
-
social contributions
1 718
-
245
-
total
6 339
-
595
-
Employer
20 948
-
1 835
-
social contributions
29 536
-
4 209
-
total
29 536
-
4 209
-
Corporate
-
10 000
-
-
income
-
2 200
-
-
total
-
2 200
-
-
Dividends
-
7 800
-
-
income
-
1 716
-
-
total
-
1 716
-
-
Income
10 000
10 000
10 000
10 000
Total tax
35 875
3 916
4 804
3 089
After tax
-25 875
6 084
5 196
6 911
Living cost
14 609
14 609
14 609
14 609
Free-cash
-40 484
-8 525
-9 413
-7 698

Estimated living cost  is ₴14609 per week

₴9479
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1374
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴186
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴3570
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Limassol , Cyprus
-₴5069
-₴4279
-₴1955
-₴6731
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
11 554
income
-
-
-
-
health
-
-
-
295
social contributions
-
-
-
1 802
total
-
-
-
2 097
Employee
23 370
23 370
23 370
-
health
232
397
155
-
income
2 454
2 163
2 592
-
social contributions
1 136
1 940
753
-
total
3 822
4 500
3 500
-
Employer
23 370
23 370
23 370
-
health
253
433
168
-
social contributions
1 136
1 940
753
-
total
1 389
2 373
921
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
10 000
10 000
10 000
10 000
Total tax
5 211
6 873
4 421
2 097
After tax
4 789
3 127
5 579
7 903
Living cost
9 858
9 858
9 858
9 858
Free-cash
-5 069
-6 731
-4 279
-1 955

Estimated living cost  is ₴9858 per week

₴6739
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴770
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴166
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴2184
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Edinburgh , United Kingdom
-₴6642
-₴3948
-₴3155
-₴3333
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
10 000
income
-
-
-
1 917
pensions
-
-
-
413
total
-
-
-
2 330
Employee
14 859
-
9 118
-
health
194
-
76
-
pensions
1 134
-
445
-
income
2 706
-
1 720
-
total
4 034
-
2 241
-
Employer
14 859
-
9 118
-
health
282
-
173
-
pensions
1 501
-
709
-
total
1 783
-
882
-
Corporate
-
10 000
-
-
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.

-
1 900
-
-
total
-
1 900
-
-
Dividends
-
8 100
-
-
withholding
-
608
-
-
total
-
608
-
-
Income
10 000
10 000
10 000
10 000
Total tax
5 817
2 508
3 123
2 330
After tax
4 183
7 492
6 877
7 670
Living cost
10 825
10 825
10 825
10 825
Free-cash
-6 642
-3 333
-3 948
-3 155

Estimated living cost  is ₴10825 per week

₴7426
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴996
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴135
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴2268
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at 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.

Rome , Italy
-₴15612
-₴7178
-₴6584
-₴6841
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
10 000
municipal
-
-
-
67
regional
-
-
-
129
social contributions
-
-
-
2 572
national
-
-
-
1 708
total
-
-
-
4 476
Employee
25 610
-
10 000
-
social contributions
8 636
-
3 372
-
regional
387
-
115
-
national
4 328
-
1 524
-
municipal
153
-
59
-
total
13 504
-
5 070
-
Employer
25 610
-
10 000
-
total
-
-
-
-
Corporate
-
10 000
-
-
nationa
-
2 400
-
-
municipal
-
482
-
-
total
-
2 882
-
-
Dividends
-
7 118
-
-
withholding
-
1 851
-
-
total
-
1 851
-
-
Income
10 000
10 000
10 000
10 000
Total tax
13 504
4 733
5 070
4 476
After tax
-3 504
5 267
4 930
5 524
Living cost
12 108
12 108
12 108
12 108
Free-cash
-15 612
-6 841
-7 178
-6 584

Estimated living cost  is ₴12108 per week

₴8505
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴833
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴183
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴2587
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Gdansk , Poland
-₴2312
-₴1221
₴30
-₴5691
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
10 000
pensions
-
-
-
1 230
income
-
-
-
1 410
other
-
-
-
110
health
-
-
-
644
accident
-
-
-
75
total
-
-
-
3 469
Employee
10 227
-
8 307
-
health
1 171
-
951
-
pensions
1 152
-
935
-
income
1 403
-
1 140
-
total
3 726
-
3 026
-
Employer
10 227
-
8 307
-
pensions
1 663
-
1 351
-
accident
171
-
139
-
unemployment
251
-
204
-
total
2 085
-
1 694
-
Corporate
-
10 000
-
-
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.

-
9 000
-
-
total
-
9 000
-
-
Dividends
-
1 000
-
-
withholding
-
190
-
-
total
-
190
-
-
Income
10 000
10 000
10 000
10 000
Total tax
5 811
9 190
4 720
3 469
After tax
4 189
810
5 280
6 531
Living cost
6 501
6 501
6 501
6 501
Free-cash
-2 312
-5 691
-1 221
30

Estimated living cost  is ₴6501 per week

₴4765
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴360
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴136
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1241
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴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.

Berlin , Germany
-₴5122
-₴4324
-₴4324
-₴6516
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
10 000
trade
-
-
-
-
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.

-
-
-
487
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.

-
-
-
2 076
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.

-
-
-
27
total
-
-
-
2 590
Employee

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

15 122
-
10 000
-
health

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

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

2 076
-
2 076
-
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.

1 243
-
487
-
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.

69
-
27
-
total
3 388
-
2 590
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
10 000
-
-
income
-
1 500
-
-
trade
-
1 435
-
-
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.

-
82
-
-
chamber of commerce
-
61
-
-
total
-
3 078
-
-
Dividends
-
6 922
-
-
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.

-
89
-
-
withholding
-
1 615
-
-
total
-
1 704
-
-
Income
10 000
10 000
10 000
10 000
Total tax
3 388
4 782
2 590
2 590
After tax
6 612
5 218
7 410
7 410
Living cost
11 734
11 734
11 734
11 734
Free-cash
-5 122
-6 516
-4 324
-4 324

Estimated living cost  is ₴11734 per week

₴8094
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1263
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴170
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴2207
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴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.

Riga , Latvia
-₴1020
-₴584
₴1220
₴1677
S + D Salary + Dividends

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

Dividends

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

Salary

Salary. A fixed monthly income you pay 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.

-
-
-
10 000
income
-
-
-
-
microenterprise
-
-
-
1 500
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.

-
-
-
957
surtax
-
-
-
-
total
-
-
-
2 457
Employee
8 881
-
8 059
-
income
1 581
-
1 434
-
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.

977
-
886
-
surtax
-
-
-
-
total
2 558
-
2 320
-
Employer
8 881
-
8 059
-
social contributions

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

2 139
-
1 941
-
surtax
-
-
-
-
total
2 139
-
1 941
-
Corporate
-
10 000
-
-
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%.

-
2 000
-
-
total
-
2 000
-
-
Dividends

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

-
8 000
-
-
total
-
-
-
-
Income
10 000
10 000
10 000
10 000
Total tax
4 697
2 000
4 261
2 457
After tax
5 303
8 000
5 739
7 543
Living cost
6 323
6 323
6 323
6 323
Free-cash
-1 020
1 677
-584
1 220

Estimated living cost  is ₴6323 per week

₴4034
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴602
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴144
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1543
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Istanbul , Turkey
₴1861
₴1509
₴1226
₴2478
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
10 000
income
-
-
-
1 562
health
-
-
-
1 450
pensions
-
-
-
2 000
total
-
-
-
5 012
Employee
5 729
-
8 163
-
health
286
-
408
-
unemployment
57
-
82
-
pensions
516
-
735
-
income
1 108
-
1 667
-
total
1 967
-
2 892
-
Employer
5 729
-
8 163
-
health
544
-
776
-
pensions
630
-
898
-
unemployment
115
-
163
-
total
1 289
-
1 837
-
Corporate
2 981
10 000
-
-
income
656
2 200
-
-
total
656
2 200
-
-
Dividends
2 325
7 800
-
-
withholding
465
1 560
-
-
total
465
1 560
-
-
Income
10 000
10 000
10 000
10 000
Total tax
4 377
3 760
4 729
5 012
After tax
5 623
6 240
5 271
4 988
Living cost
3 762
3 762
3 762
3 762
Free-cash
1 861
2 478
1 509
1 226

Estimated living cost  is ₴3762 per week

₴2235
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴305
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴86
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1135
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details
Athens , Greece
-₴2389
-₴1287
-₴1055
-₴536
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
10 000
pensions
-
-
-
2 000
unemployment
-
-
-
69
income
-
-
-
1 444
other
-
-
-
-
health
-
-
-
710
surtax
-
-
-
6
total
-
-
-
4 229
Employee
10 235
-
8 261
-
health
261
-
211
-
unemployment
712
-
575
-
pensions
683
-
551
-
income
1 716
-
1 385
-
other
-
-
-
-
surtax
36
-
-
-
total
3 408
-
2 722
-
Employer
10 235
-
8 261
-
health
465
-
376
-
pensions
1 365
-
1 101
-
unemployment
325
-
262
-
other
-
-
-
-
total
2 155
-
1 739
-
Corporate
-
10 000
-
-
income
-
2 600
-
-
total
-
2 600
-
-
Dividends
-
7 400
-
-
withholding
-
1 110
-
-
total
-
1 110
-
-
Income
10 000
10 000
10 000
10 000
Total tax
5 563
3 710
4 461
4 229
After tax
4 437
6 290
5 539
5 771
Living cost
6 826
6 826
6 826
6 826
Free-cash
-2 389
-536
-1 287
-1 055

Estimated living cost  is ₴6826 per week

₴4121
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴593
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴159
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1953
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details
Graz , Austria
-₴7397
-₴6277
-₴4215
-₴6554
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
10 000
pensions
-
-
-
1 850
chamber of commerce
-
-
-
40
unemployment
-
-
-
1 864
income
-
-
-
-
health
-
-