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
₴ 14500
per

Your estimated
City
free-cash

Valencia , Spain
-₴310
-₴170
-₴279
₴1454
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
-
-
-
14 500
unemployment
-
-
-
101
income
-
-
-
2 078
other
-
-
-
14
accident
-
-
-
130
pensions
-
-
-
4 104
total
-
-
-
6 427
Employee
11 230
-
10 995
-
unemployment
174
-
171
-
pensions
528
-
517
-
income
2 165
-
2 113
-
other
11
-
11
-
total
2 878
-
2 812
-
Employer
11 230
-
10 995
-
pensions
2 650
-
2 595
-
accident
222
-
218
-
unemployment
618
-
605
-
other
90
-
88
-
total
3 580
-
3 506
-
Corporate
-
14 500
-
-
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.

-
2 175
-
-
total
-
2 175
-
-
Dividends
-
12 325
-
-
withholding
-
2 519
-
-
total
-
2 519
-
-
Income
14 500
14 500
14 500
14 500
Total tax
6 458
4 694
6 318
6 427
After tax
8 042
9 806
8 182
8 073
Living cost
8 352
8 352
8 352
8 352
Free-cash
-310
1 454
-170
-279

Estimated living cost  is ₴8352 per week

₴5637
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.
₴1765
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
₴509
₴405
-₴242
₴2560
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
14 500
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.

-
-
-
3 480
income
-
-
-
1 842
other
-
-
-
689
health
-
-
-
638
total
-
-
-
6 649
Employee
11 028
-
11 581
-
health
154
-
162
-
unemployment
110
-
116
-
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
-
811
-
income
1 899
-
1 994
-
total
2 935
-
3 083
-
Employer
11 028
-
11 581
-
health
154
-
162
-
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.

1 875
-
1 969
-
accident
88
-
93
-
unemployment
110
-
116
-
other
552
-
579
-
total
2 779
-
2 919
-
Corporate
693
14 500
-
-
income
146
3 045
-
-
total
146
3 045
-
-
Dividends
547
11 455
-
-
withholding
38
802
-
-
total
38
802
-
-
Income
14 500
14 500
14 500
14 500
Total tax
5 898
3 847
6 002
6 649
After tax
8 602
10 653
8 498
7 851
Living cost
8 093
8 093
8 093
8 093
Free-cash
509
2 560
405
-242

Estimated living cost  is ₴8093 per week

₴5718
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.
₴1698
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
₴7003
₴5656
₴5510
₴8414
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
-
-
-
14 500
pensions

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

-
-
-
1 570
unemployment
-
-
-
42
income
-
-
-
2 175
health
-
-
-
1 220
total
-
-
-
5 007
Employee
5 274
-
12 418
-
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
-
1 242
-
total
1 291
-
2 779
-
Employer
5 274
-
12 418
-
health
364
-
732
-
pensions

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

581
-
1 169
-
accident

We are using the highest rate at 1.1%.

58
-
117
-
unemployment
32
-
64
-
total
1 035
-
2 082
-
Corporate
8 191
14 500
-
-
income
819
1 450
-
-
total
819
1 450
-
-
Dividends
7 372
13 050
-
-
withholding
369
653
-
-
total
369
653
-
-
Income
14 500
14 500
14 500
14 500
Total tax
3 514
2 103
4 861
5 007
After tax
10 986
12 397
9 639
9 493
Living cost
3 983
3 983
3 983
3 983
Free-cash
7 003
8 414
5 656
5 510

Estimated living cost  is ₴3983 per week

₴2325
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.
₴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
-₴2557
-₴1437
-₴1636
-₴3084
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
-
-
-
14 500
income
-
-
-
502
other
-
-
-
450
health
-
-
-
126
social contributions
-
-
-
413
pensions
-
-
-
4 254
surtax
-
-
-
-
total
-
-
-
5 745
Employee
12 999
-
11 049
-
pensions
1 470
-
1 250
-
income
767
-
531
-
social contributions
371
-
315
-
surtax
-
-
-
-
total
2 608
-
2 096
-
Employer
12 999
-
11 049
-
health
910
-
773
-
social contributions
39
-
33
-
pensions
2 135
-
1 816
-
unemployment
526
-
447
-
other
448
-
381
-
total
4 058
-
3 450
-
Corporate
-
14 500
-
-
income
-
4 060
-
-
surtax
-
-
-
-
total
-
4 060
-
-
Dividends
-
10 440
-
-
social contributions
-
1 796
-
-
surtax
-
-
-
-
withholding
-
1 337
-
-
total
-
3 133
-
-
Income
14 500
14 500
14 500
14 500
Total tax
6 666
7 193
5 546
5 745
After tax
7 834
7 307
8 954
8 755
Living cost
10 391
10 391
10 391
10 391
Free-cash
-2 557
-3 084
-1 437
-1 636

Estimated living cost  is ₴10391 per week

₴6552
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴845
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.
₴2818
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
-₴15660
-₴15660
-₴4404
-₴13954
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
-
-
-
14 500
pensions
-
-
-
2 610
income
-
-
-
1 345
health
-
-
-
2 226
total
-
-
-
6 181
Employee
25 936
25 936
25 936
-
health
3 981
3 386
3 981
-
pensions
4 669
3 558
4 669
-
income

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

4 245
4 245
4 245
-
total
12 895
11 189
12 895
-
Employer
25 936
25 936
25 936
-
health
1 803
1 803
1 803
-
pensions
1 805
1 805
1 805
-
unemployment
934
934
934
-
total
4 542
4 542
4 542
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
14 500
14 500
14 500
14 500
Total tax
17 437
15 731
17 437
6 181
After tax
-2 937
-1 231
-2 937
8 319
Living cost
12 723
12 723
12 723
12 723
Free-cash
-15 660
-13 954
-15 660
-4 404

Estimated living cost  is ₴12723 per week

₴9017
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1147
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.
₴2357
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
₴1539
₴2092
₴2032
-₴1822
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.

-
-
-
14 500
trade
-
-
-
60
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.

-
-
-
1 075
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.

-
-
-
2 075
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.

-
-
-
59
total
-
-
-
3 269
Employee

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

11 617
-
14 500
-
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.

2 075
-
2 075
-
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
-
1 075
-
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
-
59
-
total
2 417
-
3 209
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
2 883
14 500
-
-
income
432
2 175
-
-
trade
454
2 284
-
-
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.

24
120
-
-
chamber of commerce
50
67
-
-
total
960
4 646
-
-
Dividends
1 923
9 855
-
-
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.

20
129
-
-
withholding
365
2 348
-
-
total
385
2 477
-
-
Income
14 500
14 500
14 500
14 500
Total tax
3 762
7 123
3 209
3 269
After tax
10 738
7 377
11 291
11 231
Living cost
9 199
9 199
9 199
9 199
Free-cash
1 539
-1 822
2 092
2 032

Estimated living cost  is ₴9199 per week

₴5787
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.
₴2168
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
₴2019
₴2347
₴4710
₴601
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
-
-
-
14 500
income
-
-
-
126
health
-
-
-
370
social contributions
-
-
-
2 262
total
-
-
-
2 758
Employee
23 355
23 355
23 355
-
health
181
397
224
-
income
2 543
2 162
2 467
-
social contributions
883
1 938
1 093
-
total
3 607
4 497
3 784
-
Employer
23 355
23 355
23 355
-
health
197
432
244
-
social contributions
883
1 938
1 093
-
total
1 080
2 370
1 337
-
Corporate
2 782
-
-
-
income
348
-
-
-
total
348
-
-
-
Dividends
2 434
-
-
-
withholding
414
-
-
-
total
414
-
-
-
Income
14 500
14 500
14 500
14 500
Total tax
5 449
6 867
5 121
2 758
After tax
9 051
7 633
9 379
11 742
Living cost
7 032
7 032
7 032
7 032
Free-cash
2 019
601
2 347
4 710

Estimated living cost  is ₴7032 per week

₴4214
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.
₴1972
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
-₴2788
-₴1384
-₴1061
-₴1279
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.

-
-
-
14 500
income
-
-
-
995
social contributions

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

-
-
-
5 039
surtax
-
-
-
-
total
-
-
-
6 034
Employee
13 969
-
11 717
-
income
2 906
-
2 285
-
social contributions
1 537
-
1 289
-
surtax
-
-
-
-
total
4 443
-
3 574
-
Employer
13 969
-
11 717
-
social contributions
3 318
-
2 783
-
total
3 318
-
2 783
-
Corporate
-
14 500
-
-
income
-
3 045
-
-
surtax
-
-
-
-
total
-
3 045
-
-
Dividends
-
11 455
-
-
withholding
-
3 207
-
-
total
-
3 207
-
-
Income
14 500
14 500
14 500
14 500
Total tax
7 761
6 252
6 357
6 034
After tax
6 739
8 248
8 143
8 466
Living cost
9 527
9 527
9 527
9 527
Free-cash
-2 788
-1 279
-1 384
-1 061

Estimated living cost  is ₴9527 per week

₴7128
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.
₴1678
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
₴11085
₴9334
₴12089
₴11509
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%.

-
-
-
14 500
microenterprise

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

-
-
-
145
total
-
-
-
145
Employee
2 832
-
14 500
-
income
566
-
2 900
-
total
566
-
2 900
-
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%.

11 668
14 500
-
-
total
-
-
-
-
Dividends
11 668
14 500
-
-
withholding
583
725
-
-
total
583
725
-
-
Income
14 500
14 500
14 500
14 500
Total tax
1 149
725
2 900
145
After tax
13 351
13 775
11 600
14 355
Living cost
2 266
2 266
2 266
2 266
Free-cash
11 085
11 509
9 334
12 089

Estimated living cost  is ₴2266 per week

₴1404
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴188
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴62
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.
₴611
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
-₴1021
-₴501
-₴44
₴1837
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.

-
-
-
14 500
pensions
-
-
-
2 648
unemployment
-
-
-
22
income
-
-
-
2 301
health
-
-
-
1 427
total
-
-
-
6 398
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.

13 431
-
12 546
-
health
867
-
810
-
unemployment
19
-
17
-
pensions
2 082
-
1 945
-
income
2 316
-
2 130
-
total
5 284
-
4 902
-
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.

13 431
-
12 546
-
health
895
-
836
-
pensions
1 188
-
1 110
-
unemployment
8
-
7
-
total
2 091
-
1 953
-
Corporate
-
14 500
-
-
income
-
2 755
-
-
total
-
2 755
-
-
Dividends
-
11 745
-
-
withholding
-
1 762
-
-
total
-
1 762
-
-
Income
14 500
14 500
14 500
14 500
Total tax
7 375
4 517
6 855
6 398
After tax
7 125
9 983
7 645
8 102
Living cost
8 146
8 146
8 146
8 146
Free-cash
-1 021
1 837
-501
-44

Estimated living cost  is ₴8146 per week

₴5591
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.
₴1876
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
-₴1736
-₴509
-₴7109
-₴3014
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.

-
-
-
14 500
income
-
-
-
8 645
health

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

-
-
-
1 939
total
-
-
-
10 584
Employee
13 933
-
13 179
-
social contributions
1 396
-
1 321
-
income
1 512
-
1 342
-
total
2 908
-
2 663
-
Employer
13 933
-
13 179
-
social contributions
1 396
-
1 321
-
total
1 396
-
1 321
-
Corporate
-
14 500
-
-
income
-
5 075
-
-
total
-
5 075
-
-
Dividends
-
9 425
-
-
social contributions
907
1 414
-
-
total
907
1 414
-
-
Income
14 500
14 500
14 500
14 500
Total tax
5 211
6 489
3 984
10 584
After tax
9 289
8 011
10 516
3 916
Living cost
11 025
11 025
11 025
11 025
Free-cash
-1 736
-3 014
-509
-7 109

Estimated living cost  is ₴11025 per week

₴7262
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴869
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.
₴2724
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
₴2564
₴2363
₴2872
₴2407
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
-
-
-
14 500
income
-
-
-
2 175
health
-
-
-
1 012
social contributions
-
-
-
2 001
total
-
-
-
5 188
Employee
10 298
-
14 500
-
health
719
-
1 012
-
income
1 718
-
2 684
-
social contributions
1 421
-
2 001
-
total
3 858
-
5 697
-
Employer
10 298
-
14 500
-
total
-
-
-
-
Corporate
4 202
14 500
-
-
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%.

210
725
-
-
total
210
725
-
-
Dividends
3 992
13 775
-
-
social contributions
551
1 901
-
-
withholding
599
2 066
-
-
health
278
961
-
-
total
1 428
4 928
-
-
Income
14 500
14 500
14 500
14 500
Total tax
5 496
5 653
5 697
5 188
After tax
9 004
8 847
8 803
9 312
Living cost
6 440
6 440
6 440
6 440
Free-cash
2 564
2 407
2 363
2 872

Estimated living cost  is ₴6440 per week

₴4310
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.
₴1584
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
-₴2264
-₴1149
-₴1445
₴1476
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
-
-
-
14 500
income
-
-
-
1 246
health
-
-
-
1 958
social contributions
-
-
-
4 234
solidarity contribution
-
-
-
-
total
-
-
-
7 438
Employee
12 511
-
10 821
-
health
1 689
-
1 461
-
solidarity contribution
-
-
-
-
income
1 501
-
1 299
-
social contributions
813
-
703
-
total
4 003
-
3 463
-
Employer
12 511
-
10 821
-
health
1 126
-
974
-
social contributions
3 128
-
2 705
-
total
4 254
-
3 679
-
Corporate
-
14 500
-
-
income
-
2 755
-
-
total
-
2 755
-
-
Dividends
-
11 745
-
-
withholding
-
1 762
-
-
total
-
1 762
-
-
Income
14 500
14 500
14 500
14 500
Total tax
8 257
4 517
7 142
7 438
After tax
6 243
9 983
7 358
7 062
Living cost
8 507
8 507
8 507
8 507
Free-cash
-2 264
1 476
-1 149
-1 445

Estimated living cost  is ₴8507 per week

₴6327
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.
₴1562
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
₴9582
₴8069
₴10824
₴10244
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%.

-
-
-
14 500
microenterprise

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

-
-
-
145
total
-
-
-
145
Employee
4 414
-
14 500
-
income
883
-
2 900
-
total
883
-
2 900
-
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%.

10 086
14 500
-
-
total
-
-
-
-
Dividends
10 086
14 500
-
-
withholding
504
725
-
-
total
504
725
-
-
Income
14 500
14 500
14 500
14 500
Total tax
1 387
725
2 900
145
After tax
13 113
13 775
11 600
14 355
Living cost
3 531
3 531
3 531
3 531
Free-cash
9 582
10 244
8 069
10 824

Estimated living cost  is ₴3531 per week

₴2389
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴148
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴118
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.
₴875
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
-₴10464
-₴5715
-₴5914
-₴7362
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
-
-
-
14 500
income
-
-
-
502
other
-
-
-
450
health
-
-
-
126
social contributions
-
-
-
413
pensions
-
-
-
4 254
surtax
-
-
-
-
total
-
-
-
5 745
Employee
19 022
-
11 049
-
pensions
2 152
-
1 250
-
income
1 660
-
531
-
social contributions
542
-
315
-
surtax
-
-
-
-
total
4 354
-
2 096
-
Employer
19 022
-
11 049
-
health
1 331
-
773
-
social contributions
57
-
33
-
pensions
3 126
-
1 816
-
unemployment
771
-
447
-
other
656
-
381
-
total
5 941
-
3 450
-
Corporate
-
14 500
-
-
income
-
4 060
-
-
surtax
-
-
-
-
total
-
4 060
-
-
Dividends
-
10 440
-
-
social contributions
-
1 796
-
-
surtax
-
-
-
-
withholding
-
1 337
-
-
total
-
3 133
-
-
Income
14 500
14 500
14 500
14 500
Total tax
10 295
7 193
5 546
5 745
After tax
4 205
7 307
8 954
8 755
Living cost
14 669
14 669
14 669
14 669
Free-cash
-10 464
-7 362
-5 715
-5 914

Estimated living cost  is ₴14669 per week

₴9928
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1200
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.
₴3340
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
₴3755
₴2648
₴2023
₴5242
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.

-
-
-
14 500
pensions
-
-
-
3 770
unemployment
-
-
-
217
income
-
-
-
1 762
health
-
-
-
1 494
total
-
-
-
7 243
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.

7 892
-
12 299
-
health
406
-
633
-
unemployment
59
-
92
-
pensions
1 105
-
1 722
-
income
1 088
-
1 970
-
total
2 658
-
4 417
-
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.

7 892
-
12 299
-
health
406
-
633
-
pensions
947
-
1 476
-
unemployment
59
-
92
-
total
1 412
-
2 201
-
Corporate
5 195
14 500
-
-
income
779
2 175
-
-
total
779
2 175
-
-
Dividends
4 416
12 325
-
-
withholding
662
1 849
-
-
total
662
1 849
-
-
Income
14 500
14 500
14 500
14 500
Total tax
5 511
4 024
6 618
7 243
After tax
8 989
10 476
7 882
7 257
Living cost
5 234
5 234
5 234
5 234
Free-cash
3 755
5 242
2 648
2 023

Estimated living cost  is ₴5234 per week

₴3524
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.
₴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.
₴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
-₴12243
-₴9298
-₴8542
-₴14235
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
-
-
-
14 500
pensions
-
-
-
1 334
city
-
-
-
152
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.

-
-
-
290
health
-
-
-
68
regional
-
-
-
294
national
-
-
-
39
total
-
-
-
2 177
Employee
24 418
-
12 971
-
health
55
-
29
-
unemployment
-
-
-
-
city
262
-
139
-
pensions
2 051
-
1 099
-
regional
800
-
249
-
national
116
-
30
-
total
3 284
-
1 546
-
Employer
24 418
-
12 971
-
health
55
-
29
-
pensions
2 051
-
1 099
-
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.

488
-
259
-
total
2 594
-
1 387
-
Corporate
-
14 500
-
-
regional
-
3 067
-
-
national
-
1 233
-
-
total
-
4 300
-
-
Dividends
-
10 201
-
-
withholding
-
3 570
-
-
total
-
3 570
-
-
Income
14 500
14 500
14 500
14 500
Total tax
5 878
7 870
2 933
2 177
After tax
8 622
6 630
11 567
12 323
Living cost
20 865
20 865
20 865
20 865
Free-cash
-12 243
-14 235
-9 298
-8 542

Estimated living cost  is ₴20865 per week

₴13568
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1872
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴256
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.
₴5168
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
-₴4494
-₴2593
-₴104
-₴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

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

-
-
-
14 500
municipal
-
-
-
2 592
health
-
-
-
96
national
-
-
-
255
total
-
-
-
2 943
Employee
15 979
-
12 198
-
health
119
-
61
-
unemployment
240
-
183
-
pensions
1 078
-
824
-
national
264
-
59
-
municipal
2 617
-
2 003
-
total
4 318
-
3 130
-
Employer
15 979
-
12 198
-
health
123
-
94
-
pensions
2 772
-
2 116
-
accident
16
-
12
-
unemployment
104
-
80
-
total
3 015
-
2 302
-
Corporate
-
14 500
-
-
income
-
2 900
-
-
total
-
2 900
-
-
Dividends

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

-
8 700
-
-
municipal
-
1 566
-
-
national
-
-
-
-
total
-
1 566
-
-
Income
14 500
14 500
14 500
14 500
Total tax
7 333
4 466
5 432
2 943
After tax
7 167
10 034
9 068
11 557
Living cost
11 661
11 661
11 661
11 661
Free-cash
-4 494
-1 627
-2 593
-104

Estimated living cost  is ₴11661 per week

₴7617
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.
₴2737
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
-₴13548
-₴4656
-₴2857
-₴2884
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
-
-
-
14 500
communal

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

-
-
-
786
social contributions
-
-
-
1 405
national
-
-
-
4 092
total
-
-
-
6 283
Employee

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

21 725
-
11 230
-
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
-
528
-
communal

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

1 133
-
586
-
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
-
98
-
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.

1 629
-
842
-
national
6 679
-
2 759
-
total
10 651
-
4 813
-
Employer

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

21 725
-
11 230
-
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.

1 336
-
690
-
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.

1 925
-
995
-
surtax
2 463
-
1 274
-
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
-
146
-
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
-
164
-
total
6 323
-
3 269
-
Corporate
-
14 500
-
-
income
-
2 900
-
-
surtax
-
58
-
-
total
-
2 958
-
-
Dividends
-
11 542
-
-
withholding

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

-
3 352
-
-
total
-
3 352
-
-
Income
14 500
14 500
14 500
14 500
Total tax
16 974
6 310
8 082
6 283
After tax
-2 474
8 190
6 418
8 217
Living cost
11 074
11 074
11 074
11 074
Free-cash
-13 548
-2 884
-4 656
-2 857

Estimated living cost  is ₴11074 per week

₴7133
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴968
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.
₴2799
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
-₴10026
-₴5354
-₴5869
-₴5180
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
-
-
-
14 500
unemployment
-
-
-
15
municipal
-
-
-
3 071
other
-
-
-
1 685
health
-
-
-
905
national
-
-
-
-
accident
-
-
-
29
pensions
-
-
-
1 567
total
-
-
-
7 272
Employee
18 662
-
11 033
-
national
-
-
-
-
municipal
5 565
-
3 290
-
total
5 565
-
3 290
-
Employer
18 662
-
11 033
-
health
1 148
-
679
-
pensions
2 017
-
1 193
-
accident
37
-
22
-
unemployment
493
-
291
-
other
2 169
-
1 282
-
total
5 864
-
3 467
-
Corporate
-
14 500
-
-
income
-
3 190
-
-
total
-
3 190
-
-
Dividends
-
11 310
-
-
withholding
-
3 393
-
-
total
-
3 393
-
-
Income
14 500
14 500
14 500
14 500
Total tax
11 429
6 583
6 757
7 272
After tax
3 071
7 917
7 743
7 228
Living cost
13 097
13 097
13 097
13 097
Free-cash
-10 026
-5 180
-5 354
-5 869

Estimated living cost  is ₴13097 per week

₴8680
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1285
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.
₴2933
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
-₴35391
-₴4340
-₴4417
-₴5616
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
-
-
-
14 500
income
-
-
-
2 826
social contributions
-
-
-
1 653
total
-
-
-
4 479
Employee
20 701
-
-
-
income
4 566
-
-
-
social contributions
1 698
-
242
-
total
6 264
-
242
-
Employer
20 701
-
-
-
social contributions
29 189
-
4 160
-
total
29 189
-
4 160
-
Corporate
-
14 500
-
-
income
-
3 190
-
-
total
-
3 190
-
-
Dividends
-
11 310
-
-
income
-
2 488
-
-
total
-
2 488
-
-
Income
14 500
14 500
14 500
14 500
Total tax
35 453
5 678
4 402
4 479
After tax
-20 953
8 822
10 098
10 021
Living cost
14 438
14 438
14 438
14 438
Free-cash
-35 391
-5 616
-4 340
-4 417

Estimated living cost  is ₴14438 per week

₴9368
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1358
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴184
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.
₴3528
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
-₴558
-₴472
₴1891
-₴2218
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
-
-
-
14 500
income
-
-
-
126
health
-
-
-
370
social contributions
-
-
-
2 262
total
-
-
-
2 758
Employee
23 355
23 355
23 355
-
health
232
397
224
-
income
2 452
2 162
2 467
-
social contributions
1 135
1 938
1 093
-
total
3 819
4 497
3 784
-
Employer
23 355
23 355
23 355
-
health
253
432
244
-
social contributions
1 135
1 938
1 093
-
total
1 388
2 370
1 337
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
14 500
14 500
14 500
14 500
Total tax
5 207
6 867
5 121
2 758
After tax
9 293
7 633
9 379
11 742
Living cost
9 851
9 851
9 851
9 851
Free-cash
-558
-2 218
-472
1 891

Estimated living cost  is ₴9851 per week

₴6734
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴769
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.
₴2182
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
-₴2274
-₴1352
₴38
-₴47
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
-
-
-
14 500
income
-
-
-
2 737
pensions
-
-
-
814
total
-
-
-
3 551
Employee
14 976
-
13 011
-
health
195
-
155
-
pensions
1 143
-
908
-
income
2 727
-
2 390
-
total
4 065
-
3 453
-
Employer
14 976
-
13 011
-
health
285
-
247
-
pensions
1 513
-
1 241
-
total
1 798
-
1 488
-
Corporate
-
14 500
-
-
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.

-
2 755
-
-
total
-
2 755
-
-
Dividends
-
11 745
-
-
withholding
-
881
-
-
total
-
881
-
-
Income
14 500
14 500
14 500
14 500
Total tax
5 863
3 636
4 941
3 551
After tax
8 637
10 864
9 559
10 949
Living cost
10 911
10 911
10 911
10 911
Free-cash
-2 274
-47
-1 352
38

Estimated living cost  is ₴10911 per week

₴7485
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1003
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.
₴2285
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
-₴11093
-₴4999
-₴4196
-₴4462
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
-
-
-
14 500
municipal
-
-
-
97
regional
-
-
-
208
social contributions
-
-
-
3 730
national
-
-
-
2 562
total
-
-
-
6 597
Employee
25 593
-
14 500
-
social contributions
8 630
-
4 889
-
regional
386
-
176
-
national
4 325
-
2 249
-
municipal
153
-
86
-
total
13 494
-
7 400
-
Employer
25 593
-
14 500
-
total
-
-
-
-
Corporate
-
14 500
-
-
nationa
-
3 480
-
-
municipal
-
699
-
-
total
-
4 179
-
-
Dividends
-
10 321
-
-
withholding
-
2 684
-
-
total
-
2 684
-
-
Income
14 500
14 500
14 500
14 500
Total tax
13 494
6 863
7 400
6 597
After tax
1 006
7 637
7 100
7 903
Living cost
12 099
12 099
12 099
12 099
Free-cash
-11 093
-4 462
-4 999
-4 196

Estimated living cost  is ₴12099 per week

₴8499
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴832
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.
₴2585
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
₴169
₴1102
₴3494
-₴5382
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
-
-
-
14 500
pensions
-
-
-
1 240
income
-
-
-
2 375
other
-
-
-
110
health
-
-
-
650
accident
-
-
-
75
total
-
-
-
4 450
Employee
10 314
-
12 045
-
health
1 181
-
1 379
-
pensions
1 161
-
1 356
-
income
1 415
-
1 652
-
total
3 757
-
4 387
-
Employer
10 314
-
12 045
-
pensions
1 677
-
1 959
-
accident
172
-
201
-
unemployment
253
-
295
-
total
2 102
-
2 455
-
Corporate
2 085
14 500
-
-
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.

1 876
13 050
-
-
total
1 876
13 050
-
-
Dividends
208
1 450
-
-
withholding
40
276
-
-
total
40
276
-
-
Income
14 500
14 500
14 500
14 500
Total tax
7 775
13 326
6 842
4 450
After tax
6 725
1 174
7 658
10 050
Living cost
6 556
6 556
6 556
6 556
Free-cash
169
-5 382
1 102
3 494

Estimated living cost  is ₴6556 per week

₴4805
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴363
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴137
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.
₴1251
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
-₴613
-₴435
-₴489
-₴4200
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.

-
-
-
14 500
trade
-
-
-
54
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.

-
-
-
1 075
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.

-
-
-
2 075
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.

-
-
-
59
total
-
-
-
3 263
Employee

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

15 112
-
14 500
-
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.

2 075
-
2 075
-
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
-
1 075
-
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
-
59
-
total
3 387
-
3 209
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
-
14 500
-
-
income
-
2 175
-
-
trade
-
2 081
-
-
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.

-
120
-
-
chamber of commerce
-
67
-
-
total
-
4 443
-
-
Dividends
-
10 057
-
-
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.

-
132
-
-
withholding
-
2 399
-
-
total
-
2 531
-
-
Income
14 500
14 500
14 500
14 500
Total tax
3 387
6 974
3 209
3 263
After tax
11 113
7 526
11 291
11 237
Living cost
11 726
11 726
11 726
11 726
Free-cash
-613
-4 200
-435
-489

Estimated living cost  is ₴11726 per week

₴8089
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1262
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.
₴2205
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
₴2790
₴2001
₴5050
₴5281
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.

-
-
-
14 500
income
-
-
-
-
microenterprise
-
-
-
2 175
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.

-
-
-
956
surtax
-
-
-
-
total
-
-
-
3 131
Employee
8 875
-
11 685
-
income
1 580
-
2 080
-
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.

976
-
1 285
-
surtax
-
-
-
-
total
2 556
-
3 365
-
Employer
8 875
-
11 685
-
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.

2 138
-
2 815
-
surtax
-
-
-
-
total
2 138
-
2 815
-
Corporate
3 487
14 500
-
-
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%.

697
2 900
-
-
total
697
2 900
-
-
Dividends

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

2 790
11 600
-
-
total
-
-
-
-
Income
14 500
14 500
14 500
14 500
Total tax
5 391
2 900
6 180
3 131
After tax
9 109
11 600
8 320
11 369
Living cost
6 319
6 319
6 319
6 319
Free-cash
2 790
5 281
2 001
5 050

Estimated living cost  is ₴6319 per week

₴4031
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.
₴1542
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
₴4569
₴3581
₴3319
₴5201
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
-
-
-
14 500
income
-
-
-
2 494
health
-
-
-
2 034
pensions
-
-
-
2 806
total
-
-
-
7 334
Employee
5 859
-
11 837
-
health
293
-
592
-
unemployment
59
-
118
-
pensions
527
-
1 065
-
income
1 133
-
2 634
-
total
2 012
-
4 409
-
Employer
5 859
-
11 837
-
health
557
-
1 124
-
pensions
645
-
1 302
-
unemployment
117
-
237
-
total
1 319
-
2 663
-
Corporate
7 322
14 500
-
-
income
1 611
3 190
-
-
total
1 611
3 190
-
-
Dividends
5 711
11 310
-
-
withholding
1 142
2 262
-
-
total
1 142
2 262
-
-
Income
14 500
14 500
14 500
14 500
Total tax
6 084
5 452
7 072
7 334
After tax
8 416
9 048
7 428
7 166
Living cost
3 847
3 847
3 847
3 847
Free-cash
4 569
5 201
3 581
3 319

Estimated living cost  is ₴3847 per week

₴2286
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴312
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴88
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.
₴1161
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
₴1333
₴1142
₴1500
₴2298
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
-
-
-
14 500
pensions
-
-
-
2 900
unemployment
-
-
-
69
income
-
-
-
2 100
other
-
-
-
-
health
-
-
-
1 030
surtax
-
-
-
79
total
-
-
-
6 178
Employee
10 228
-
11 978
-
health
261
-
305
-
unemployment
712
-
833
-
pensions
682
-
799
-
income
1 715
-
2 008
-
other
-
-
-
-
surtax
36
-
69
-
total
3 406
-
4 014
-
Employer
10 228
-
11 978
-
health
465
-
545
-
pensions
1 364
-
1 597
-
unemployment
324
-
380
-
other
-
-
-
-
total
2 153
-
2 522
-
Corporate
2 119
14 500
-
-
income
551
3 770
-
-
total
551
3 770
-
-
Dividends
1 568
10 730
-
-
withholding
235
1 610
-
-
total
235
1 610
-
-
Income
14 500
14 500
14 500
14 500
Total tax
6 345
5 380
6 536
6 178
After tax
8 155
9 120
7 964
8 322
Living cost
6 822
6 822
6 822
6 822
Free-cash
1 333
2 298
1 142
1 500

Estimated living cost  is ₴6822 per week

₴4119
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.
₴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.
₴1952
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
-₴2886
-₴3959
-₴1529
-₴2046
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
-
-
-
14 500
pensions
-
-
-
2 682
chamber of commerce
-
-
-
58
unemployment
-
-
-
1 863
income
-
-
-
627
health
-
-
-