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
₴ 13000
per

Your estimated
City
free-cash

Valencia , Spain
-₴1792
-₴1046
-₴1068
₴457
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
-
-
-
13 000
unemployment
-
-
-
91
income
-
-
-
1 826
other
-
-
-
13
accident
-
-
-
117
pensions
-
-
-
3 679
total
-
-
-
5 726
Employee
11 216
-
9 771
-
unemployment
174
-
157
-
pensions
527
-
476
-
income
2 162
-
1 832
-
other
11
-
10
-
total
2 874
-
2 475
-
Employer
11 216
-
9 771
-
pensions
2 647
-
2 391
-
accident
222
-
200
-
unemployment
617
-
557
-
other
90
-
81
-
total
3 576
-
3 229
-
Corporate
-
13 000
-
-
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.

-
1 950
-
-
total
-
1 950
-
-
Dividends
-
11 050
-
-
withholding
-
2 251
-
-
total
-
2 251
-
-
Income
13 000
13 000
13 000
13 000
Total tax
6 450
4 201
5 704
5 726
After tax
6 550
8 799
7 296
7 274
Living cost
8 342
8 342
8 342
8 342
Free-cash
-1 792
457
-1 046
-1 068

Estimated living cost  is ₴8342 per week

₴5630
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴802
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.
₴1763
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
-₴790
-₴464
-₴1044
₴1468
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
-
-
-
13 000
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.

-
-
-
3 120
income
-
-
-
1 651
other
-
-
-
618
health
-
-
-
572
total
-
-
-
5 961
Employee
11 014
-
10 384
-
health
154
-
146
-
unemployment
110
-
104
-
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.

771
-
727
-
income
1 896
-
1 787
-
total
2 931
-
2 764
-
Employer
11 014
-
10 384
-
health
154
-
146
-
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.

1 873
-
1 765
-
accident
88
-
83
-
unemployment
110
-
104
-
other
551
-
519
-
total
2 776
-
2 617
-
Corporate
-
13 000
-
-
income
-
2 730
-
-
total
-
2 730
-
-
Dividends
-
10 270
-
-
withholding
-
719
-
-
total
-
719
-
-
Income
13 000
13 000
13 000
13 000
Total tax
5 707
3 449
5 381
5 961
After tax
7 293
9 551
7 619
7 039
Living cost
8 083
8 083
8 083
8 083
Free-cash
-790
1 468
-464
-1 044

Estimated living cost  is ₴8083 per week

₴5711
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴546
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.
₴1696
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
₴5720
₴4304
₴4232
₴7131
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
-
-
-
13 000
pensions

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

-
-
-
1 571
unemployment
-
-
-
42
income
-
-
-
1 950
health
-
-
-
1 221
total
-
-
-
4 784
Employee
5 275
-
10 918
-
health
243
-
488
-
accident

We are using the highest rate at 1.1%.

58
-
117
-
pensions

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

463
-
932
-
income
527
-
1 092
-
total
1 291
-
2 629
-
Employer
5 275
-
10 918
-
health
364
-
732
-
pensions

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

581
-
1 170
-
accident

We are using the highest rate at 1.1%.

58
-
117
-
unemployment
32
-
64
-
total
1 035
-
2 083
-
Corporate
6 690
13 000
-
-
income
669
1 300
-
-
total
669
1 300
-
-
Dividends
6 021
11 700
-
-
withholding
301
585
-
-
total
301
585
-
-
Income
13 000
13 000
13 000
13 000
Total tax
3 296
1 885
4 712
4 784
After tax
9 704
11 115
8 288
8 216
Living cost
3 984
3 984
3 984
3 984
Free-cash
5 720
7 131
4 304
4 232

Estimated living cost  is ₴3984 per week

₴2326
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴285
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴106
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.
₴1268
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
-₴4037
-₴2269
-₴2489
-₴3826
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
-
-
-
13 000
income
-
-
-
361
other
-
-
-
403
health
-
-
-
113
social contributions
-
-
-
371
pensions
-
-
-
3 863
surtax
-
-
-
-
total
-
-
-
5 111
Employee
12 983
-
9 906
-
pensions
1 468
-
1 120
-
income
766
-
394
-
social contributions
370
-
283
-
surtax
-
-
-
-
total
2 604
-
1 797
-
Employer
12 983
-
9 906
-
health
909
-
694
-
social contributions
39
-
30
-
pensions
2 133
-
1 627
-
unemployment
526
-
401
-
other
448
-
342
-
total
4 055
-
3 094
-
Corporate
-
13 000
-
-
income
-
3 640
-
-
surtax
-
-
-
-
total
-
3 640
-
-
Dividends
-
9 360
-
-
social contributions
-
1 610
-
-
surtax
-
-
-
-
withholding
-
1 198
-
-
total
-
2 808
-
-
Income
13 000
13 000
13 000
13 000
Total tax
6 659
6 448
4 891
5 111
After tax
6 341
6 552
8 109
7 889
Living cost
10 378
10 378
10 378
10 378
Free-cash
-4 037
-3 826
-2 269
-2 489

Estimated living cost  is ₴10378 per week

₴6544
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴844
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.
₴2814
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
-₴17124
-₴17124
-₴5231
-₴15421
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
-
-
-
13 000
pensions
-
-
-
2 340
income
-
-
-
1 188
health
-
-
-
1 995
total
-
-
-
5 523
Employee
25 904
25 904
25 904
-
health
3 976
3 382
3 976
-
pensions
4 663
3 554
4 663
-
income

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

4 240
4 240
4 240
-
total
12 879
11 176
12 879
-
Employer
25 904
25 904
25 904
-
health
1 801
1 801
1 801
-
pensions
1 803
1 803
1 803
-
unemployment
933
933
933
-
total
4 537
4 537
4 537
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
13 000
13 000
13 000
13 000
Total tax
17 416
15 713
17 416
5 523
After tax
-4 416
-2 713
-4 416
7 477
Living cost
12 708
12 708
12 708
12 708
Free-cash
-17 124
-15 421
-17 124
-5 231

Estimated living cost  is ₴12708 per week

₴9006
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1146
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.
₴2354
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
₴790
₴1023
₴1023
-₴2564
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.

-
-
-
13 000
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.

-
-
-
680
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.

-
-
-
2 072
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.

-
-
-
37
total
-
-
-
2 789
Employee

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

11 602
-
13 000
-
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.

2 072
-
2 072
-
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.

324
-
680
-
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
-
37
-
total
2 414
-
2 789
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
1 398
13 000
-
-
income
210
1 950
-
-
trade
220
2 048
-
-
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.

12
107
-
-
chamber of commerce
48
64
-
-
total
490
4 169
-
-
Dividends
909
8 831
-
-
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.

6
115
-
-
withholding
112
2 092
-
-
total
118
2 207
-
-
Income
13 000
13 000
13 000
13 000
Total tax
3 022
6 376
2 789
2 789
After tax
9 978
6 624
10 211
10 211
Living cost
9 188
9 188
9 188
9 188
Free-cash
790
-2 564
1 023
1 023

Estimated living cost  is ₴9188 per week

₴5780
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1071
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.
₴2166
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
₴941
₴1093
₴3617
-₴883
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
-
-
-
13 000
income
-
-
-
-
health
-
-
-
332
social contributions
-
-
-
2 028
total
-
-
-
2 360
Employee
23 326
23 326
23 326
-
health
181
397
201
-
income
2 540
2 159
2 505
-
social contributions
882
1 936
980
-
total
3 603
4 492
3 686
-
Employer
23 326
23 326
23 326
-
health
196
432
218
-
social contributions
882
1 936
980
-
total
1 078
2 368
1 198
-
Corporate
1 296
-
-
-
income
162
-
-
-
total
162
-
-
-
Dividends
1 134
-
-
-
withholding
193
-
-
-
total
193
-
-
-
Income
13 000
13 000
13 000
13 000
Total tax
5 036
6 860
4 884
2 360
After tax
7 964
6 140
8 116
10 640
Living cost
7 023
7 023
7 023
7 023
Free-cash
941
-883
1 093
3 617

Estimated living cost  is ₴7023 per week

₴4209
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴689
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴155
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.
₴1970
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
-₴4265
-₴2144
-₴1890
-₴2120
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.

-
-
-
13 000
income
-
-
-
857
social contributions

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

-
-
-
4 518
surtax
-
-
-
-
total
-
-
-
5 375
Employee
13 951
-
10 505
-
income
2 902
-
1 979
-
social contributions
1 535
-
1 155
-
surtax
-
-
-
-
total
4 437
-
3 134
-
Employer
13 951
-
10 505
-
social contributions
3 313
-
2 495
-
total
3 313
-
2 495
-
Corporate
-
13 000
-
-
income
-
2 730
-
-
surtax
-
-
-
-
total
-
2 730
-
-
Dividends
-
10 270
-
-
withholding
-
2 875
-
-
total
-
2 875
-
-
Income
13 000
13 000
13 000
13 000
Total tax
7 750
5 605
5 629
5 375
After tax
5 250
7 395
7 371
7 625
Living cost
9 515
9 515
9 515
9 515
Free-cash
-4 265
-2 120
-2 144
-1 890

Estimated living cost  is ₴9515 per week

₴7119
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴561
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.
₴1676
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
₴9619
₴8100
₴10570
₴10050
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%.

-
-
-
13 000
microenterprise

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

-
-
-
130
total
-
-
-
130
Employee
2 875
-
13 000
-
income
575
-
2 600
-
total
575
-
2 600
-
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%.

10 125
13 000
-
-
total
-
-
-
-
Dividends
10 125
13 000
-
-
withholding
506
650
-
-
total
506
650
-
-
Income
13 000
13 000
13 000
13 000
Total tax
1 081
650
2 600
130
After tax
11 919
12 350
10 400
12 870
Living cost
2 300
2 300
2 300
2 300
Free-cash
9 619
10 050
8 100
10 570

Estimated living cost  is ₴2300 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
-₴2501
-₴1232
-₴819
₴814
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.

-
-
-
13 000
pensions
-
-
-
2 374
unemployment
-
-
-
20
income
-
-
-
2 010
health
-
-
-
1 279
total
-
-
-
5 683
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.

13 414
-
11 248
-
health
866
-
727
-
unemployment
19
-
16
-
pensions
2 079
-
1 744
-
income
2 313
-
1 858
-
total
5 277
-
4 345
-
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.

13 414
-
11 248
-
health
893
-
749
-
pensions
1 187
-
995
-
unemployment
8
-
7
-
total
2 088
-
1 751
-
Corporate
-
13 000
-
-
income
-
2 470
-
-
total
-
2 470
-
-
Dividends
-
10 530
-
-
withholding
-
1 580
-
-
total
-
1 580
-
-
Income
13 000
13 000
13 000
13 000
Total tax
7 365
4 050
6 096
5 683
After tax
5 635
8 950
6 904
7 317
Living cost
8 136
8 136
8 136
8 136
Free-cash
-2 501
814
-1 232
-819

Estimated living cost  is ₴8136 per week

₴5584
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴522
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.
₴1874
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
-₴3215
-₴1416
-₴8554
-₴3829
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.

-
-
-
13 000
income
-
-
-
8 635
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
-
-
-
10 543
Employee
13 916
-
11 816
-
social contributions
1 394
-
1 184
-
income
1 510
-
1 037
-
total
2 904
-
2 221
-
Employer
13 916
-
11 816
-
social contributions
1 394
-
1 184
-
total
1 394
-
1 184
-
Corporate
-
13 000
-
-
income
-
4 550
-
-
total
-
4 550
-
-
Dividends
-
8 450
-
-
social contributions
906
1 268
-
-
total
906
1 268
-
-
Income
13 000
13 000
13 000
13 000
Total tax
5 204
5 818
3 405
10 543
After tax
7 796
7 182
9 595
2 457
Living cost
11 011
11 011
11 011
11 011
Free-cash
-3 215
-3 829
-1 416
-8 554

Estimated living cost  is ₴11011 per week

₴7253
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴868
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.
₴2721
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
₴1395
₴1527
₴1917
₴1499
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
-
-
-
13 000
income
-
-
-
1 950
health
-
-
-
907
social contributions
-
-
-
1 794
total
-
-
-
4 651
Employee
10 285
-
13 000
-
health
718
-
907
-
income
1 715
-
2 340
-
social contributions
1 420
-
1 794
-
total
3 853
-
5 041
-
Employer
10 285
-
13 000
-
total
-
-
-
-
Corporate
2 715
13 000
-
-
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%.

136
650
-
-
total
136
650
-
-
Dividends
2 579
12 350
-
-
social contributions
529
1 705
-
-
withholding
387
1 852
-
-
health
268
862
-
-
total
1 184
4 419
-
-
Income
13 000
13 000
13 000
13 000
Total tax
5 173
5 069
5 041
4 651
After tax
7 827
7 931
7 959
8 349
Living cost
6 432
6 432
6 432
6 432
Free-cash
1 395
1 499
1 527
1 917

Estimated living cost  is ₴6432 per week

₴4305
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.
₴1582
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
-₴3746
-₴1901
-₴2166
₴452
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
-
-
-
13 000
income
-
-
-
1 117
health
-
-
-
1 755
social contributions
-
-
-
3 796
solidarity contribution
-
-
-
-
total
-
-
-
6 668
Employee
12 496
-
9 701
-
health
1 687
-
1 310
-
solidarity contribution
-
-
-
-
income
1 500
-
1 164
-
social contributions
812
-
631
-
total
3 999
-
3 105
-
Employer
12 496
-
9 701
-
health
1 125
-
873
-
social contributions
3 124
-
2 425
-
total
4 249
-
3 298
-
Corporate
-
13 000
-
-
income
-
2 470
-
-
total
-
2 470
-
-
Dividends
-
10 530
-
-
withholding
-
1 580
-
-
total
-
1 580
-
-
Income
13 000
13 000
13 000
13 000
Total tax
8 248
4 050
6 403
6 668
After tax
4 752
8 950
6 597
6 332
Living cost
8 498
8 498
8 498
8 498
Free-cash
-3 746
452
-1 901
-2 166

Estimated living cost  is ₴8498 per week

₴6319
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴471
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.
₴1560
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
₴8093
₴6815
₴9285
₴8765
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%.

-
-
-
13 000
microenterprise

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

-
-
-
130
total
-
-
-
130
Employee
4 481
-
13 000
-
income
896
-
2 600
-
total
896
-
2 600
-
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%.

8 519
13 000
-
-
total
-
-
-
-
Dividends
8 519
13 000
-
-
withholding
426
650
-
-
total
426
650
-
-
Income
13 000
13 000
13 000
13 000
Total tax
1 322
650
2 600
130
After tax
11 678
12 350
10 400
12 870
Living cost
3 585
3 585
3 585
3 585
Free-cash
8 093
8 765
6 815
9 285

Estimated living cost  is ₴3585 per week

₴2426
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴150
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
-₴11934
-₴6542
-₴6762
-₴8099
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
-
-
-
13 000
income
-
-
-
361
other
-
-
-
403
health
-
-
-
113
social contributions
-
-
-
371
pensions
-
-
-
3 863
surtax
-
-
-
-
total
-
-
-
5 111
Employee
18 999
-
9 906
-
pensions
2 149
-
1 120
-
income
1 658
-
394
-
social contributions
541
-
283
-
surtax
-
-
-
-
total
4 348
-
1 797
-
Employer
18 999
-
9 906
-
health
1 330
-
694
-
social contributions
57
-
30
-
pensions
3 122
-
1 627
-
unemployment
770
-
401
-
other
656
-
342
-
total
5 935
-
3 094
-
Corporate
-
13 000
-
-
income
-
3 640
-
-
surtax
-
-
-
-
total
-
3 640
-
-
Dividends
-
9 360
-
-
social contributions
-
1 610
-
-
surtax
-
-
-
-
withholding
-
1 198
-
-
total
-
2 808
-
-
Income
13 000
13 000
13 000
13 000
Total tax
10 283
6 448
4 891
5 111
After tax
2 717
6 552
8 109
7 889
Living cost
14 651
14 651
14 651
14 651
Free-cash
-11 934
-8 099
-6 542
-6 762

Estimated living cost  is ₴14651 per week

₴9916
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1199
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.
₴3336
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
₴2677
₴1886
₴1328
₴4164
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.

-
-
-
13 000
pensions
-
-
-
3 380
unemployment
-
-
-
195
income
-
-
-
1 529
health
-
-
-
1 339
total
-
-
-
6 443
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.

7 885
-
11 026
-
health
406
-
568
-
unemployment
59
-
83
-
pensions
1 104
-
1 544
-
income
1 087
-
1 716
-
total
2 656
-
3 911
-
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.

7 885
-
11 026
-
health
406
-
568
-
pensions
946
-
1 323
-
unemployment
59
-
83
-
total
1 411
-
1 974
-
Corporate
3 703
13 000
-
-
income
555
1 950
-
-
total
555
1 950
-
-
Dividends
3 148
11 050
-
-
withholding
472
1 657
-
-
total
472
1 657
-
-
Income
13 000
13 000
13 000
13 000
Total tax
5 094
3 607
5 885
6 443
After tax
7 906
9 393
7 115
6 557
Living cost
5 229
5 229
5 229
5 229
Free-cash
2 677
4 164
1 886
1 328

Estimated living cost  is ₴5229 per week

₴3521
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴404
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴151
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.
₴1153
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
-₴13462
-₴10324
-₴9576
-₴14700
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
-
-
-
13 000
pensions
-
-
-
1 196
city
-
-
-
137
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.

-
-
-
260
health
-
-
-
67
regional
-
-
-
242
national
-
-
-
29
total
-
-
-
1 931
Employee
24 159
-
11 589
-
health
55
-
26
-
unemployment
-
-
-
-
city
259
-
124
-
pensions
2 030
-
1 026
-
regional
791
-
199
-
national
114
-
21
-
total
3 249
-
1 396
-
Employer
24 159
-
11 589
-
health
55
-
26
-
pensions
2 030
-
1 026
-
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.

483
-
232
-
total
2 568
-
1 284
-
Corporate
-
13 000
-
-
regional
-
2 750
-
-
national
-
1 105
-
-
total
-
3 855
-
-
Dividends
-
9 145
-
-
withholding
-
3 201
-
-
total
-
3 201
-
-
Income
13 000
13 000
13 000
13 000
Total tax
5 817
7 056
2 680
1 931
After tax
7 183
5 944
10 320
11 069
Living cost
20 644
20 644
20 644
20 644
Free-cash
-13 462
-14 700
-10 324
-9 576

Estimated living cost  is ₴20644 per week

₴13425
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1853
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴253
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.
₴5114
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
-₴5971
-₴3452
-₴1215
-₴2650
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

-
-
-
13 000
municipal
-
-
-
2 327
health
-
-
-
74
national
-
-
-
168
total
-
-
-
2 569
Employee
15 960
-
10 937
-
health
119
-
42
-
unemployment
239
-
164
-
pensions
1 077
-
738
-
national
264
-
-
-
municipal
2 614
-
1 799
-
total
4 313
-
2 743
-
Employer
15 960
-
10 937
-
health
123
-
84
-
pensions
2 769
-
1 897
-
accident
16
-
11
-
unemployment
104
-
71
-
total
3 012
-
2 063
-
Corporate
-
13 000
-
-
income
-
2 600
-
-
total
-
2 600
-
-
Dividends

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

-
7 800
-
-
municipal
-
1 404
-
-
national
-
-
-
-
total
-
1 404
-
-
Income
13 000
13 000
13 000
13 000
Total tax
7 325
4 004
4 806
2 569
After tax
5 675
8 996
8 194
10 431
Living cost
11 646
11 646
11 646
11 646
Free-cash
-5 971
-2 650
-3 452
-1 215

Estimated living cost  is ₴11646 per week

₴7607
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1120
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴185
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.
₴2734
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
-₴15014
-₴5188
-₴3485
-₴3706
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
-
-
-
13 000
communal

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

-
-
-
714
social contributions
-
-
-
1 092
national
-
-
-
3 619
total
-
-
-
5 425
Employee

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

21 698
-
10 069
-
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.

1 019
-
473
-
communal

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

1 132
-
525
-
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
-
87
-
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.

1 627
-
755
-
national
6 671
-
2 357
-
total
10 638
-
4 197
-
Employer

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

21 698
-
10 069
-
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.

1 334
-
619
-
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.

1 923
-
892
-
surtax
2 460
-
1 142
-
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.

282
-
131
-
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
-
147
-
total
6 316
-
2 931
-
Corporate
-
13 000
-
-
income
-
2 600
-
-
surtax
-
52
-
-
total
-
2 652
-
-
Dividends
-
10 348
-
-
withholding

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

-
2 994
-
-
total
-
2 994
-
-
Income
13 000
13 000
13 000
13 000
Total tax
16 954
5 646
7 128
5 425
After tax
-3 954
7 354
5 872
7 575
Living cost
11 060
11 060
11 060
11 060
Free-cash
-15 014
-3 706
-5 188
-3 485

Estimated living cost  is ₴11060 per week

₴7124
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴967
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴173
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.
₴2796
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
-₴11591
-₴6189
-₴6652
-₴6034
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
-
-
-
13 000
unemployment
-
-
-
13
municipal
-
-
-
2 754
other
-
-
-
1 511
health
-
-
-
811
national
-
-
-
-
accident
-
-
-
26
pensions
-
-
-
1 405
total
-
-
-
6 520
Employee
18 711
-
9 892
-
national
-
-
-
-
municipal
5 580
-
2 950
-
total
5 580
-
2 950
-
Employer
18 711
-
9 892
-
health
1 151
-
608
-
pensions
2 023
-
1 069
-
accident
37
-
20
-
unemployment
494
-
261
-
other
2 174
-
1 149
-
total
5 879
-
3 107
-
Corporate
-
13 000
-
-
income
-
2 860
-
-
total
-
2 860
-
-
Dividends
-
10 140
-
-
withholding
-
3 042
-
-
total
-
3 042
-
-
Income
13 000
13 000
13 000
13 000
Total tax
11 459
5 902
6 057
6 520
After tax
1 541
7 098
6 943
6 480
Living cost
13 132
13 132
13 132
13 132
Free-cash
-11 591
-6 034
-6 189
-6 652

Estimated living cost  is ₴13132 per week

₴8703
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1289
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴199
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.
₴2941
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
-₴37403
-₴6110
-₴5602
-₴6677
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
-
-
-
13 000
income
-
-
-
2 534
social contributions
-
-
-
1 482
total
-
-
-
4 016
Employee
20 914
-
596
-
income
4 613
-
77
-
social contributions
1 715
-
244
-
total
6 328
-
321
-
Employer
20 914
-
596
-
social contributions
29 489
-
4 203
-
total
29 489
-
4 203
-
Corporate
-
13 000
-
-
income
-
2 860
-
-
total
-
2 860
-
-
Dividends
-
10 140
-
-
income
-
2 231
-
-
total
-
2 231
-
-
Income
13 000
13 000
13 000
13 000
Total tax
35 817
5 091
4 524
4 016
After tax
-22 817
7 909
8 476
8 984
Living cost
14 586
14 586
14 586
14 586
Free-cash
-37 403
-6 677
-6 110
-5 602

Estimated living cost  is ₴14586 per week

₴9464
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1372
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.
₴3564
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
-₴2039
-₴1723
₴801
-₴3699
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
-
-
-
13 000
income
-
-
-
-
health
-
-
-
332
social contributions
-
-
-
2 028
total
-
-
-
2 360
Employee
23 326
23 326
23 326
-
health
232
397
201
-
income
2 449
2 159
2 505
-
social contributions
1 133
1 936
980
-
total
3 814
4 492
3 686
-
Employer
23 326
23 326
23 326
-
health
253
432
218
-
social contributions
1 133
1 936
980
-
total
1 386
2 368
1 198
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
13 000
13 000
13 000
13 000
Total tax
5 200
6 860
4 884
2 360
After tax
7 800
6 140
8 116
10 640
Living cost
9 839
9 839
9 839
9 839
Free-cash
-2 039
-3 699
-1 723
801

Estimated living cost  is ₴9839 per week

₴6726
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴768
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴165
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.
₴2179
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
-₴3642
-₴2166
-₴972
-₴1085
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
-
-
-
13 000
income
-
-
-
2 463
pensions
-
-
-
684
total
-
-
-
3 147
Employee
14 859
-
11 711
-
health
194
-
129
-
pensions
1 134
-
757
-
income
2 706
-
2 165
-
total
4 034
-
3 051
-
Employer
14 859
-
11 711
-
health
282
-
223
-
pensions
1 501
-
1 067
-
total
1 783
-
1 290
-
Corporate
-
13 000
-
-
income

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

-
2 470
-
-
total
-
2 470
-
-
Dividends
-
10 530
-
-
withholding
-
790
-
-
total
-
790
-
-
Income
13 000
13 000
13 000
13 000
Total tax
5 817
3 260
4 341
3 147
After tax
7 183
9 740
8 659
9 853
Living cost
10 825
10 825
10 825
10 825
Free-cash
-3 642
-1 085
-2 166
-972

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.
₴995
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
-₴12563
-₴5678
-₴4954
-₴5238
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
-
-
-
13 000
municipal
-
-
-
87
regional
-
-
-
177
social contributions
-
-
-
3 343
national
-
-
-
2 262
total
-
-
-
5 869
Employee
25 562
-
13 000
-
social contributions
8 619
-
4 384
-
regional
386
-
149
-
national
4 320
-
1 982
-
municipal
153
-
78
-
total
13 478
-
6 593
-
Employer
25 562
-
13 000
-
total
-
-
-
-
Corporate
-
13 000
-
-
nationa
-
3 120
-
-
municipal
-
627
-
-
total
-
3 747
-
-
Dividends
-
9 253
-
-
withholding
-
2 406
-
-
total
-
2 406
-
-
Income
13 000
13 000
13 000
13 000
Total tax
13 478
6 153
6 593
5 869
After tax
-478
6 847
6 407
7 131
Living cost
12 084
12 084
12 084
12 084
Free-cash
-12 563
-5 238
-5 678
-4 954

Estimated living cost  is ₴12084 per week

₴8489
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴831
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴182
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.
₴2582
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
₴61
₴395
₴2540
-₴5416
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
-
-
-
13 000
pensions
-
-
-
1 223
income
-
-
-
1 944
other
-
-
-
109
health
-
-
-
641
accident
-
-
-
74
total
-
-
-
3 991
Employee
10 176
-
10 799
-
health
1 165
-
1 237
-
pensions
1 146
-
1 216
-
income
1 396
-
1 482
-
total
3 707
-
3 935
-
Employer
10 176
-
10 799
-
pensions
1 655
-
1 756
-
accident
170
-
180
-
unemployment
249
-
265
-
total
2 074
-
2 201
-
Corporate
750
13 000
-
-
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.

675
11 700
-
-
total
675
11 700
-
-
Dividends
75
1 300
-
-
withholding
14
247
-
-
total
14
247
-
-
Income
13 000
13 000
13 000
13 000
Total tax
6 470
11 947
6 136
3 991
After tax
6 530
1 053
6 864
9 009
Living cost
6 469
6 469
6 469
6 469
Free-cash
61
-5 416
395
2 540

Estimated living cost  is ₴6469 per week

₴4741
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴358
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.
₴1234
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
-₴2093
-₴1500
-₴1500
-₴4954
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.

-
-
-
13 000
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.

-
-
-
680
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.

-
-
-
2 072
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.

-
-
-
37
total
-
-
-
2 789
Employee

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

15 093
-
13 000
-
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.

2 072
-
2 072
-
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.

1 241
-
680
-
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
-
37
-
total
3 382
-
2 789
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
13 000
-
-
income
-
1 950
-
-
trade
-
1 866
-
-
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.

-
107
-
-
chamber of commerce
-
65
-
-
total
-
3 988
-
-
Dividends
-
9 012
-
-
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.

-
117
-
-
withholding
-
2 138
-
-
total
-
2 255
-
-
Income
13 000
13 000
13 000
13 000
Total tax
3 382
6 243
2 789
2 789
After tax
9 618
6 757
10 211
10 211
Living cost
11 711
11 711
11 711
11 711
Free-cash
-2 093
-4 954
-1 500
-1 500

Estimated living cost  is ₴11711 per week

₴8079
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1260
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.
₴2202
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
₴1601
₴1148
₴3784
₴4089
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.

-
-
-
13 000
income
-
-
-
-
microenterprise
-
-
-
1 950
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.

-
-
-
955
surtax
-
-
-
-
total
-
-
-
2 905
Employee
8 864
-
10 476
-
income
1 578
-
1 865
-
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.

975
-
1 152
-
surtax
-
-
-
-
total
2 553
-
3 017
-
Employer
8 864
-
10 476
-
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.

2 135
-
2 524
-
surtax
-
-
-
-
total
2 135
-
2 524
-
Corporate
2 001
13 000
-
-
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%.

400
2 600
-
-
total
400
2 600
-
-
Dividends

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

1 601
10 400
-
-
total
-
-
-
-
Income
13 000
13 000
13 000
13 000
Total tax
5 088
2 600
5 541
2 905
After tax
7 912
10 400
7 459
10 095
Living cost
6 311
6 311
6 311
6 311
Free-cash
1 601
4 089
1 148
3 784

Estimated living cost  is ₴6311 per week

₴4026
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴601
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴143
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.
₴1540
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
₴3742
₴2976
₴2647
₴4358
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
-
-
-
13 000
income
-
-
-
2 114
health
-
-
-
1 885
pensions
-
-
-
2 600
total
-
-
-
6 599
Employee
5 718
-
10 612
-
health
286
-
531
-
unemployment
57
-
106
-
pensions
515
-
955
-
income
1 106
-
2 291
-
total
1 964
-
3 883
-
Employer
5 718
-
10 612
-
health
543
-
1 008
-
pensions
629
-
1 167
-
unemployment
114
-
212
-
total
1 286
-
2 387
-
Corporate
5 995
13 000
-
-
income
1 319
2 860
-
-
total
1 319
2 860
-
-
Dividends
4 676
10 140
-
-
withholding
935
2 028
-
-
total
935
2 028
-
-
Income
13 000
13 000
13 000
13 000
Total tax
5 504
4 888
6 270
6 599
After tax
7 496
8 112
6 730
6 401
Living cost
3 754
3 754
3 754
3 754
Free-cash
3 742
4 358
2 976
2 647

Estimated living cost  is ₴3754 per week

₴2231
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴304
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.
₴1133
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
₴398
₴342
₴659
₴1364
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
-
-
-
13 000
pensions
-
-
-
2 600
unemployment
-
-
-
69
income
-
-
-
1 881
other
-
-
-
-
health
-
-
-
923
surtax
-
-
-
55
total
-
-
-
5 528
Employee
10 216
-
10 739
-
health
261
-
274
-
unemployment
711
-
747
-
pensions
682
-
716
-
income
1 713
-
1 801
-
other
-
-
-
-
surtax
36
-
46
-
total
3 403
-
3 584
-
Employer
10 216
-
10 739
-
health
465
-
489
-
pensions
1 362
-
1 432
-
unemployment
324
-
340
-
other
-
-
-
-
total
2 151
-
2 261
-
Corporate
634
13 000
-
-
income
165
3 380
-
-
total
165
3 380
-
-
Dividends
469
9 620
-
-
withholding
70
1 443
-
-
total
70
1 443
-
-
Income
13 000
13 000
13 000
13 000
Total tax
5 789
4 823
5 845
5 528
After tax
7 211
8 177
7 155
7 472
Living cost
6 813
6 813
6 813
6 813
Free-cash
398
1 364
342
659

Estimated living cost  is ₴6813 per week

₴4114
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴592
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.
₴1950
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
-₴4364
-₴4703
-₴2343
-₴3527
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
-
-
-
13 000
pensions
-
-
-
2 405
chamber of commerce
-
-
-
52
unemployment
-
-
-
1 861
income
-
-
-
352
health
-
-
-
995