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
₴ 18500
per

Your estimated
City
free-cash

Valencia , Spain
₴2533
₴1896
₴1764
₴4134
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
-
-
-
18 500
unemployment
-
-
-
130
income
-
-
-
2 827
other
-
-
-
18
accident
-
-
-
167
pensions
-
-
-
5 236
total
-
-
-
8 378
Employee
11 238
-
14 027
-
unemployment
174
-
217
-
pensions
528
-
659
-
income
2 167
-
2 883
-
other
11
-
14
-
total
2 880
-
3 773
-
Employer
11 238
-
14 027
-
pensions
2 652
-
3 311
-
accident
223
-
278
-
unemployment
618
-
772
-
other
90
-
112
-
total
3 583
-
4 473
-
Corporate
3 679
18 500
-
-
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.

552
2 775
-
-
total
552
2 775
-
-
Dividends
3 127
15 725
-
-
withholding
594
3 233
-
-
total
594
3 233
-
-
Income
18 500
18 500
18 500
18 500
Total tax
7 609
6 008
8 246
8 378
After tax
10 891
12 492
10 254
10 122
Living cost
8 358
8 358
8 358
8 358
Free-cash
2 533
4 134
1 896
1 764

Estimated living cost  is ₴8358 per week

₴5641
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴803
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴146
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1767
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Bratislava , Slovakia
₴3442
₴2745
₴1919
₴5494
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
-
-
-
18 500
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.

-
-
-
4 440
income
-
-
-
2 350
other
-
-
-
879
health
-
-
-
814
total
-
-
-
8 483
Employee
11 035
-
14 776
-
health
155
-
207
-
unemployment
110
-
148
-
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
-
1 035
-
income
1 900
-
2 543
-
total
2 937
-
3 933
-
Employer
11 035
-
14 776
-
health
155
-
207
-
pensions

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

1 876
-
2 512
-
accident
88
-
118
-
unemployment
110
-
148
-
other
552
-
739
-
total
2 781
-
3 724
-
Corporate
4 684
18 500
-
-
income
983
3 885
-
-
total
983
3 885
-
-
Dividends
3 700
14 615
-
-
withholding
259
1 023
-
-
total
259
1 023
-
-
Income
18 500
18 500
18 500
18 500
Total tax
6 960
4 908
7 657
8 483
After tax
11 540
13 592
10 843
10 017
Living cost
8 098
8 098
8 098
8 098
Free-cash
3 442
5 494
2 745
1 919

Estimated living cost  is ₴8098 per week

₴5722
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴547
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴130
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1699
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Varna , Bulgaria
₴10426
₴9259
₴8912
₴11836
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
-
-
-
18 500
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
-
-
-
2 775
health
-
-
-
1 220
total
-
-
-
5 607
Employee
5 271
-
16 419
-
health
242
-
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
-
931
-
income
527
-
1 642
-
total
1 290
-
3 178
-
Employer
5 271
-
16 419
-
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
12 194
18 500
-
-
income
1 219
1 850
-
-
total
1 219
1 850
-
-
Dividends
10 975
16 650
-
-
withholding
549
833
-
-
total
549
833
-
-
Income
18 500
18 500
18 500
18 500
Total tax
4 093
2 683
5 260
5 607
After tax
14 407
15 817
13 240
12 893
Living cost
3 981
3 981
3 981
3 981
Free-cash
10 426
11 836
9 259
8 912

Estimated living cost  is ₴3981 per week

₴2324
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴284
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴105
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1267
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Nice , France
₴720
₴805
₴666
-₴1074
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
-
-
-
18 500
income
-
-
-
880
other
-
-
-
573
health
-
-
-
160
social contributions
-
-
-
527
pensions
-
-
-
5 296
surtax
-
-
-
-
total
-
-
-
7 436
Employee
13 007
-
14 098
-
pensions
1 471
-
1 595
-
income
768
-
899
-
social contributions
371
-
401
-
surtax
-
-
-
-
total
2 610
-
2 895
-
Employer
13 007
-
14 098
-
health
911
-
987
-
social contributions
39
-
42
-
pensions
2 137
-
2 316
-
unemployment
527
-
571
-
other
449
-
486
-
total
4 063
-
4 402
-
Corporate
1 430
18 500
-
-
income
400
5 180
-
-
surtax
-
-
-
-
total
400
5 180
-
-
Dividends
1 030
13 320
-
-
social contributions
177
2 291
-
-
surtax
-
-
-
-
withholding
132
1 705
-
-
total
309
3 996
-
-
Income
18 500
18 500
18 500
18 500
Total tax
7 382
9 176
7 297
7 436
After tax
11 118
9 324
11 203
11 064
Living cost
10 398
10 398
10 398
10 398
Free-cash
720
-1 074
805
666

Estimated living cost  is ₴10398 per week

₴6557
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴846
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴177
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴2820
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Rotterdam , Netherlands
-₴11680
-₴11680
-₴2164
-₴9973
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
-
-
-
18 500
pensions
-
-
-
3 330
income
-
-
-
1 763
health
-
-
-
2 839
total
-
-
-
7 932
Employee
25 954
25 954
25 954
-
health
3 984
3 388
3 984
-
pensions
4 672
3 561
4 672
-
income

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

4 248
4 248
4 248
-
total
12 904
11 197
12 904
-
Employer
25 954
25 954
25 954
-
health
1 804
1 804
1 804
-
pensions
1 806
1 806
1 806
-
unemployment
934
934
934
-
total
4 544
4 544
4 544
-
Corporate
-
-
-
-
income
-
-
-
-
total
-
-
-
-
Dividends
-
-
-
-
income
-
-
-
-
withholding
-
-
-
-
total
-
-
-
-
Income
18 500
18 500
18 500
18 500
Total tax
17 448
15 741
17 448
7 932
After tax
1 052
2 759
1 052
10 568
Living cost
12 732
12 732
12 732
12 732
Free-cash
-11 680
-9 973
-11 680
-2 164

Estimated living cost  is ₴12732 per week

₴9023
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1148
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴202
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴2359
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Dresden , Germany
₴3543
₴4878
₴4190
₴181
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.

-
-
-
18 500
trade
-
-
-
688
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.

-
-
-
2 218
health

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

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

-
-
-
2 076
surtax

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

-
-
-
122
total
-
-
-
5 104
Employee

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

11 624
-
18 500
-
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.

2 076
-
2 076
-
income

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

325
-
2 218
-
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
-
122
-
total
2 419
-
4 416
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
6 876
18 500
-
-
income
1 031
2 775
-
-
trade
1 083
2 914
-
-
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.

57
153
-
-
chamber of commerce
56
73
-
-
total
2 227
5 915
-
-
Dividends
4 649
12 586
-
-
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.

58
167
-
-
withholding
1 047
3 031
-
-
total
1 105
3 198
-
-
Income
18 500
18 500
18 500
18 500
Total tax
5 751
9 113
4 416
5 104
After tax
12 749
9 387
14 084
13 396
Living cost
9 206
9 206
9 206
9 206
Free-cash
3 543
181
4 878
4 190

Estimated living cost  is ₴9206 per week

₴5791
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1073
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴172
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴2170
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Nationals of Europe, Australia, Canada, Israel, Japan, the Republic of Korea, New Zealand and the USA do not require an entry type D visa (not to confuse with a Schengen visa or a visa-free entry). For other nationals, waiting time is around 6-9 months which includes document preparation and processing.

Larnaca , Cyprus
₴4917
₴5718
₴7326
₴4590
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
-
-
-
18 500
income
-
-
-
779
health
-
-
-
472
social contributions
-
-
-
2 886
total
-
-
-
4 137
Employee
23 370
23 370
23 370
-
health
181
397
285
-
income
2 545
2 163
2 361
-
social contributions
884
1 940
1 394
-
total
3 610
4 500
4 040
-
Employer
23 370
23 370
23 370
-
health
197
433
311
-
social contributions
884
1 940
1 394
-
total
1 081
2 373
1 705
-
Corporate
6 774
-
-
-
income
847
-
-
-
total
847
-
-
-
Dividends
5 927
-
-
-
withholding
1 008
-
-
-
total
1 008
-
-
-
Income
18 500
18 500
18 500
18 500
Total tax
6 546
6 873
5 745
4 137
After tax
11 954
11 627
12 755
14 363
Living cost
7 037
7 037
7 037
7 037
Free-cash
4 917
4 590
5 718
7 326

Estimated living cost  is ₴7037 per week

₴4217
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴690
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴156
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1974
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Lisbon , Portugal
₴683
₴563
₴1104
₴990
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.

-
-
-
18 500
income
-
-
-
1 435
social contributions

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

-
-
-
6 428
surtax
-
-
-
-
total
-
-
-
7 863
Employee
13 978
-
14 950
-
income
2 907
-
3 210
-
social contributions
1 538
-
1 644
-
surtax
-
-
-
-
total
4 445
-
4 854
-
Employer
13 978
-
14 950
-
social contributions
3 320
-
3 550
-
total
3 320
-
3 550
-
Corporate
1 202
18 500
-
-
income
253
3 885
-
-
surtax
-
-
-
-
total
253
3 885
-
-
Dividends
949
14 615
-
-
withholding
266
4 092
-
-
total
266
4 092
-
-
Income
18 500
18 500
18 500
18 500
Total tax
8 284
7 977
8 404
7 863
After tax
10 216
10 523
10 096
10 637
Living cost
9 533
9 533
9 533
9 533
Free-cash
683
990
563
1 104

Estimated living cost  is ₴9533 per week

₴7133
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴562
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴159
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1679
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Batumi , Georgia
₴14843
₴12499
₴16014
₴15274
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%.

-
-
-
18 500
microenterprise

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

-
-
-
185
total
-
-
-
185
Employee
2 876
-
18 500
-
income
575
-
3 700
-
total
575
-
3 700
-
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%.

15 624
18 500
-
-
total
-
-
-
-
Dividends
15 624
18 500
-
-
withholding
781
925
-
-
total
781
925
-
-
Income
18 500
18 500
18 500
18 500
Total tax
1 356
925
3 700
185
After tax
17 144
17 575
14 800
18 315
Living cost
2 301
2 301
2 301
2 301
Free-cash
14 843
15 274
12 499
16 014

Estimated living cost  is ₴2301 per week

₴1426
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴191
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴63
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴620
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Social security system in Georgia is financed from the government taxes which are part of our internal model. Separate pension and medical insurance contributions are not compulsory. It is advisable to purchase health insurance privately as in an event of medical emergency the treatment is likely to get costly.

Ljubljana , Slovenia
₴2044
₴1411
₴1940
₴4585
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.

-
-
-
18 500
pensions
-
-
-
3 379
unemployment
-
-
-
28
income
-
-
-
3 181
health
-
-
-
1 820
total
-
-
-
8 408
Employee

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

13 440
-
16 007
-
health
868
-
1 034
-
unemployment
19
-
22
-
pensions
2 083
-
2 481
-
income
2 318
-
2 907
-
total
5 288
-
6 444
-
Employer

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

13 440
-
16 007
-
health
895
-
1 066
-
pensions
1 189
-
1 417
-
unemployment
8
-
10
-
total
2 092
-
2 493
-
Corporate
2 968
18 500
-
-
income
564
3 515
-
-
total
564
3 515
-
-
Dividends
2 404
14 985
-
-
withholding
360
2 248
-
-
total
360
2 248
-
-
Income
18 500
18 500
18 500
18 500
Total tax
8 304
5 763
8 937
8 408
After tax
10 196
12 737
9 563
10 092
Living cost
8 152
8 152
8 152
8 152
Free-cash
2 044
4 585
1 411
1 940

Estimated living cost  is ₴8152 per week

₴5594
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴523
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴158
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1877
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Sliema , Malta
₴1148
₴2369
-₴3091
-₴613
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.

-
-
-
18 500
income
-
-
-
8 651
health

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

-
-
-
1 908
total
-
-
-
10 559
Employee
13 942
-
17 102
-
social contributions
1 397
-
1 398
-
income
1 513
-
2 302
-
total
2 910
-
3 700
-
Employer
13 942
-
17 102
-
social contributions
1 397
-
1 398
-
total
1 397
-
1 398
-
Corporate
3 161
18 500
-
-
income
1 106
6 475
-
-
total
1 106
6 475
-
-
Dividends
2 055
12 025
-
-
social contributions
907
1 606
-
-
total
907
1 606
-
-
Income
18 500
18 500
18 500
18 500
Total tax
6 320
8 081
5 098
10 559
After tax
12 180
10 419
13 402
7 941
Living cost
11 032
11 032
11 032
11 032
Free-cash
1 148
-613
2 369
-3 091

Estimated living cost  is ₴11032 per week

₴7267
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴870
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴169
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴2726
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Vilnius , Lithuania
₴5001
₴4607
₴5436
₴4842
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
-
-
-
18 500
income
-
-
-
2 775
health
-
-
-
1 291
social contributions
-
-
-
2 553
total
-
-
-
6 619
Employee
10 305
-
18 500
-
health
719
-
1 291
-
income
1 719
-
3 604
-
social contributions
1 422
-
2 553
-
total
3 860
-
7 448
-
Employer
10 305
-
18 500
-
total
-
-
-
-
Corporate
8 195
18 500
-
-
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%.

409
925
-
-
total
409
925
-
-
Dividends
7 786
17 575
-
-
social contributions
1 074
2 425
-
-
withholding
1 168
2 636
-
-
health
543
1 227
-
-
total
2 785
6 288
-
-
Income
18 500
18 500
18 500
18 500
Total tax
7 054
7 213
7 448
6 619
After tax
11 446
11 287
11 052
11 881
Living cost
6 445
6 445
6 445
6 445
Free-cash
5 001
4 842
4 607
5 436

Estimated living cost  is ₴6445 per week

₴4313
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴397
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴148
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1585
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Prague , Czech Republic
₴1188
₴876
₴499
₴4225
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
-
-
-
18 500
income
-
-
-
1 590
health
-
-
-
2 497
social contributions
-
-
-
5 402
solidarity contribution
-
-
-
-
total
-
-
-
9 489
Employee
12 517
-
13 806
-
health
1 690
-
1 864
-
solidarity contribution
-
-
-
-
income
1 502
-
1 657
-
social contributions
814
-
897
-
total
4 006
-
4 418
-
Employer
12 517
-
13 806
-
health
1 127
-
1 243
-
social contributions
3 129
-
3 451
-
total
4 256
-
4 694
-
Corporate
1 727
18 500
-
-
income
328
3 515
-
-
total
328
3 515
-
-
Dividends
1 399
14 985
-
-
withholding
210
2 248
-
-
total
210
2 248
-
-
Income
18 500
18 500
18 500
18 500
Total tax
8 800
5 763
9 112
9 489
After tax
9 700
12 737
9 388
9 011
Living cost
8 512
8 512
8 512
8 512
Free-cash
1 188
4 225
876
499

Estimated living cost  is ₴8512 per week

₴6330
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴472
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴147
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1563
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Tbilisi , Georgia
₴13317
₴11214
₴14729
₴13989
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%.

-
-
-
18 500
microenterprise

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

-
-
-
185
total
-
-
-
185
Employee
4 482
-
18 500
-
income
896
-
3 700
-
total
896
-
3 700
-
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%.

14 018
18 500
-
-
total
-
-
-
-
Dividends
14 018
18 500
-
-
withholding
701
925
-
-
total
701
925
-
-
Income
18 500
18 500
18 500
18 500
Total tax
1 597
925
3 700
185
After tax
16 903
17 575
14 800
18 315
Living cost
3 586
3 586
3 586
3 586
Free-cash
13 317
13 989
11 214
14 729

Estimated living cost  is ₴3586 per week

₴2426
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴151
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴120
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴888
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Social security system in Georgia is financed from the government taxes which are part of our internal model. Separate pension and medical insurance contributions are not compulsory. It is advisable to purchase health insurance privately as in an event of medical emergency the treatment is likely to get costly.

Paris , France
-₴6480
-₴3476
-₴3615
-₴5355
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
-
-
-
18 500
income
-
-
-
880
other
-
-
-
573
health
-
-
-
160
social contributions
-
-
-
527
pensions
-
-
-
5 296
surtax
-
-
-
-
total
-
-
-
7 436
Employee
19 035
-
14 098
-
pensions
2 153
-
1 595
-
income
1 661
-
899
-
social contributions
542
-
401
-
surtax
-
-
-
-
total
4 356
-
2 895
-
Employer
19 035
-
14 098
-
health
1 332
-
987
-
social contributions
57
-
42
-
pensions
3 128
-
2 316
-
unemployment
771
-
571
-
other
657
-
486
-
total
5 945
-
4 402
-
Corporate
-
18 500
-
-
income
-
5 180
-
-
surtax
-
-
-
-
total
-
5 180
-
-
Dividends
-
13 320
-
-
social contributions
-
2 291
-
-
surtax
-
-
-
-
withholding
-
1 705
-
-
total
-
3 996
-
-
Income
18 500
18 500
18 500
18 500
Total tax
10 301
9 176
7 297
7 436
After tax
8 199
9 324
11 203
11 064
Living cost
14 679
14 679
14 679
14 679
Free-cash
-6 480
-5 355
-3 476
-3 615

Estimated living cost  is ₴14679 per week

₴9935
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1201
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴201
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴3342
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Belgrade , Serbia
₴6638
₴4682
₴3887
₴8129
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.

-
-
-
18 500
pensions
-
-
-
4 810
unemployment
-
-
-
277
income
-
-
-
2 384
health
-
-
-
1 905
total
-
-
-
9 376
Employee

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

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

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

7 897
-
15 691
-
health
407
-
808
-
unemployment
59
-
118
-
pensions
1 106
-
2 197
-
income
1 089
-
2 649
-
total
2 661
-
5 772
-
Employer

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

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

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

7 897
-
15 691
-
health
407
-
808
-
pensions
948
-
1 883
-
unemployment
59
-
118
-
total
1 414
-
2 809
-
Corporate
9 190
18 500
-
-
income
1 378
2 775
-
-
total
1 378
2 775
-
-
Dividends
7 811
15 725
-
-
withholding
1 172
2 359
-
-
total
1 172
2 359
-
-
Income
18 500
18 500
18 500
18 500
Total tax
6 625
5 134
8 581
9 376
After tax
11 875
13 366
9 919
9 124
Living cost
5 237
5 237
5 237
5 237
Free-cash
6 638
8 129
4 682
3 887

Estimated living cost  is ₴5237 per week

₴3526
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴405
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴152
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1154
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Zurich , Switzerland
-₴8025
-₴6018
-₴5068
-₴12234
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
-
-
-
18 500
pensions
-
-
-
1 702
city
-
-
-
195
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.

-
-
-
370
health
-
-
-
67
regional
-
-
-
475
national
-
-
-
66
total
-
-
-
2 875
Employee
24 216
-
16 559
-
health
55
-
37
-
unemployment
-
-
-
-
city
260
-
178
-
pensions
2 035
-
1 391
-
regional
793
-
404
-
national
115
-
56
-
total
3 258
-
2 066
-
Employer
24 216
-
16 559
-
health
55
-
37
-
pensions
2 035
-
1 391
-
unemployment
-
-
-
-
other

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

484
-
331
-
total
2 574
-
1 759
-
Corporate
-
18 500
-
-
regional
-
3 913
-
-
national
-
1 573
-
-
total
-
5 486
-
-
Dividends
-
13 015
-
-
withholding
-
4 555
-
-
total
-
4 555
-
-
Income
18 500
18 500
18 500
18 500
Total tax
5 832
10 041
3 825
2 875
After tax
12 668
8 459
14 675
15 625
Living cost
20 693
20 693
20 693
20 693
Free-cash
-8 025
-12 234
-6 018
-5 068

Estimated living cost  is ₴20693 per week

₴13457
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1857
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴254
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴5126
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details

Additional information

It is extremely rare that a Third Country National (non-EU/EFTA/Swiss and without a long-term EU resident permit) is given a residence permit based on self-employment.

Helsinki , Finland
-₴506
-₴293
₴2531
₴1077
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

-
-
-
18 500
municipal
-
-
-
3 301
health
-
-
-
158
national
-
-
-
842
total
-
-
-
4 301
Employee
15 990
-
15 563
-
health
119
-
113
-
unemployment
240
-
234
-
pensions
1 079
-
1 050
-
national
264
-
241
-
municipal
2 619
-
2 550
-
total
4 321
-
4 188
-
Employer
15 990
-
15 563
-
health
123
-
120
-
pensions
2 774
-
2 700
-
accident
16
-
16
-
unemployment
104
-
101
-
total
3 017
-
2 937
-
Corporate
-
18 500
-
-
income
-
3 700
-
-
total
-
3 700
-
-
Dividends

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

-
11 100
-
-
municipal
-
1 998
-
-
national
-
57
-
-
total
-
2 055
-
-
Income
18 500
18 500
18 500
18 500
Total tax
7 338
5 755
7 125
4 301
After tax
11 162
12 745
11 375
14 199
Living cost
11 668
11 668
11 668
11 668
Free-cash
-506
1 077
-293
2 531

Estimated living cost  is ₴11668 per week

₴7622
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1122
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴186
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴2739
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Finland permits registration as a sole-trader only for EU nationals or long-term EU resident permit holders. Other nationals should set up a company and hire themselves as an employee.

Brussels , Belgium
-₴9567
-₴3207
-₴1294
-₴662
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
-
-
-
18 500
communal

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

-
-
-
975
social contributions
-
-
-
2 244
national
-
-
-
5 494
total
-
-
-
8 713
Employee

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

21 740
-
14 328
-
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
-
674
-
communal

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

1 134
-
747
-
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
-
125
-
pensions

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

1 630
-
1 074
-
national
6 684
-
3 836
-
total
10 658
-
6 456
-
Employer

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

21 740
-
14 328
-
health

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

1 337
-
881
-
pensions

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

1 926
-
1 269
-
surtax
2 465
-
1 625
-
accident

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

283
-
186
-
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
-
209
-
total
6 328
-
4 170
-
Corporate
-
18 500
-
-
income
-
3 700
-
-
surtax
-
74
-
-
total
-
3 774
-
-
Dividends
-
14 726
-
-
withholding

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

-
4 307
-
-
total
-
4 307
-
-
Income
18 500
18 500
18 500
18 500
Total tax
16 986
8 081
10 626
8 713
After tax
1 514
10 419
7 874
9 787
Living cost
11 081
11 081
11 081
11 081
Free-cash
-9 567
-662
-3 207
-1 294

Estimated living cost  is ₴11081 per week

₴7138
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴969
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴174
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴2801
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Stockholm , Sweden
-₴6112
-₴3266
-₴3922
-₴3043
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
-
-
-
18 500
unemployment
-
-
-
19
municipal
-
-
-
3 918
other
-
-
-
2 150
health
-
-
-
1 154
national
-
-
-
-
accident
-
-
-
37
pensions
-
-
-
2 000
total
-
-
-
9 278
Employee
18 728
-
14 077
-
national
-
-
-
-
municipal
5 585
-
4 198
-
total
5 585
-
4 198
-
Employer
18 728
-
14 077
-
health
1 152
-
866
-
pensions
2 024
-
1 522
-
accident
37
-
28
-
unemployment
494
-
372
-
other
2 176
-
1 636
-
total
5 883
-
4 424
-
Corporate
-
18 500
-
-
income
-
4 070
-
-
total
-
4 070
-
-
Dividends
-
14 430
-
-
withholding
-
4 329
-
-
total
-
4 329
-
-
Income
18 500
18 500
18 500
18 500
Total tax
11 468
8 399
8 622
9 278
After tax
7 032
10 101
9 878
9 222
Living cost
13 144
13 144
13 144
13 144
Free-cash
-6 112
-3 043
-3 266
-3 922

Estimated living cost  is ₴13144 per week

₴8711
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1290
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴200
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴2943
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Oslo , Norway
-₴31984
-₴563
-₴1824
-₴3354
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
-
-
-
18 500
income
-
-
-
3 606
social contributions
-
-
-
2 109
total
-
-
-
5 715
Employee
20 948
-
-
-
income
4 621
-
-
-
social contributions
1 718
-
245
-
total
6 339
-
245
-
Employer
20 948
-
-
-
social contributions
29 536
-
4 209
-
total
29 536
-
4 209
-
Corporate
-
18 500
-
-
income
-
4 070
-
-
total
-
4 070
-
-
Dividends
-
14 430
-
-
income
-
3 175
-
-
total
-
3 175
-
-
Income
18 500
18 500
18 500
18 500
Total tax
35 875
7 245
4 454
5 715
After tax
-17 375
11 255
14 046
12 785
Living cost
14 609
14 609
14 609
14 609
Free-cash
-31 984
-3 354
-563
-1 824

Estimated living cost  is ₴14609 per week

₴9479
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1374
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴186
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴3570
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Limassol , Cyprus
₴2492
₴2897
₴4505
₴1769
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
-
-
-
18 500
income
-
-
-
779
health
-
-
-
472
social contributions
-
-
-
2 886
total
-
-
-
4 137
Employee
23 370
23 370
23 370
-
health
232
397
285
-
income
2 454
2 163
2 361
-
social contributions
1 136
1 940
1 394
-
total
3 822
4 500
4 040
-
Employer
23 370
23 370
23 370
-
health
253
433
311
-
social contributions
1 136
1 940
1 394
-
total
1 389
2 373
1 705
-
Corporate
3 431
-
-
-
income
429
-
-
-
total
429
-
-
-
Dividends
3 002
-
-
-
withholding
510
-
-
-
total
510
-
-
-
Income
18 500
18 500
18 500
18 500
Total tax
6 150
6 873
5 745
4 137
After tax
12 350
11 627
12 755
14 363
Living cost
9 858
9 858
9 858
9 858
Free-cash
2 492
1 769
2 897
4 505

Estimated living cost  is ₴9858 per week

₴6739
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴770
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴166
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴2184
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Edinburgh , United Kingdom
₴1392
₴1103
₴3033
₴3036
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
-
-
-
18 500
income
-
-
-
3 464
pensions
-
-
-
1 178
total
-
-
-
4 642
Employee
14 859
-
16 465
-
health
194
-
227
-
pensions
1 134
-
1 327
-
income
2 706
-
2 982
-
total
4 034
-
4 536
-
Employer
14 859
-
16 465
-
health
282
-
313
-
pensions
1 501
-
1 723
-
total
1 783
-
2 036
-
Corporate
1 857
18 500
-
-
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.

353
3 515
-
-
total
353
3 515
-
-
Dividends
1 504
14 985
-
-
withholding
113
1 124
-
-
total
113
1 124
-
-
Income
18 500
18 500
18 500
18 500
Total tax
6 283
4 639
6 572
4 642
After tax
12 217
13 861
11 928
13 858
Living cost
10 825
10 825
10 825
10 825
Free-cash
1 392
3 036
1 103
3 033

Estimated living cost  is ₴10825 per week

₴7426
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴996
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴135
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴2268
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details

Additional information

The only visa which will gain you entry to the UK as a freelancer is Tier 1 (with an exception of EU nationals or long-term UK residence permit holders, up until Brexit). There are two Tier 1 visa pathways.

You can either apply for an Entrepreneur visa which requires an investment of at least £200000 and creating two full time jobs, or choose an Exceptional Talent visa, which has no financial requirements but is more difficult to obtain.

Rome , Italy
-₴7112
-₴3169
-₴2142
-₴2364
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
-
-
-
18 500
municipal
-
-
-
123
regional
-
-
-
289
social contributions
-
-
-
4 758
national
-
-
-
3 364
total
-
-
-
8 534
Employee
25 610
-
18 500
-
social contributions
8 636
-
6 238
-
regional
387
-
248
-
national
4 328
-
2 965
-
municipal
153
-
110
-
total
13 504
-
9 561
-
Employer
25 610
-
18 500
-
total
-
-
-
-
Corporate
-
18 500
-
-
nationa
-
4 440
-
-
municipal
-
892
-
-
total
-
5 332
-
-
Dividends
-
13 169
-
-
withholding
-
3 424
-
-
total
-
3 424
-
-
Income
18 500
18 500
18 500
18 500
Total tax
13 504
8 756
9 561
8 534
After tax
4 996
9 744
8 939
9 966
Living cost
12 108
12 108
12 108
12 108
Free-cash
-7 112
-2 364
-3 169
-2 142

Estimated living cost  is ₴12108 per week

₴8505
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴833
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴183
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴2587
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Gdansk , Poland
₴500
₴3163
₴6266
-₴5002
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
-
-
-
18 500
pensions
-
-
-
1 230
income
-
-
-
3 674
other
-
-
-
110
health
-
-
-
644
accident
-
-
-
75
total
-
-
-
5 733
Employee
10 227
-
15 368
-
health
1 171
-
1 760
-
pensions
1 152
-
1 730
-
income
1 403
-
2 214
-
total
3 726
-
5 704
-
Employer
10 227
-
15 368
-
pensions
1 663
-
2 499
-
accident
171
-
257
-
unemployment
251
-
376
-
total
2 085
-
3 132
-
Corporate
6 189
18 500
-
-
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.

5 570
16 650
-
-
total
5 570
16 650
-
-
Dividends
619
1 850
-
-
withholding
118
351
-
-
total
118
351
-
-
Income
18 500
18 500
18 500
18 500
Total tax
11 499
17 001
8 836
5 733
After tax
7 001
1 499
9 664
12 767
Living cost
6 501
6 501
6 501
6 501
Free-cash
500
-5 002
3 163
6 266

Estimated living cost  is ₴6501 per week

₴4765
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴360
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴136
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1241
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Poland permits registration as a sole-trader only for EU nationals or long-term EU resident permit holders. Other nationals should use a business incubator or set up a company and hire themselves as an employee.

Berlin , Germany
₴1822
₴2350
₴1723
-₴2155
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.

-
-
-
18 500
trade
-
-
-
627
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.

-
-
-
2 218
health

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

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

-
-
-
2 076
surtax

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

-
-
-
122
total
-
-
-
5 043
Employee

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

15 122
-
18 500
-
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.

2 076
-
2 076
-
income

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

1 243
-
2 218
-
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
-
122
-
total
3 388
-
4 416
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
3 378
18 500
-
-
income
507
2 775
-
-
trade
484
2 655
-
-
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.

28
153
-
-
chamber of commerce
51
73
-
-
total
1 070
5 656
-
-
Dividends
2 307
12 844
-
-
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.

25
170
-
-
withholding
461
3 095
-
-
total
486
3 265
-
-
Income
18 500
18 500
18 500
18 500
Total tax
4 944
8 921
4 416
5 043
After tax
13 556
9 579
14 084
13 457
Living cost
11 734
11 734
11 734
11 734
Free-cash
1 822
-2 155
2 350
1 723

Estimated living cost  is ₴11734 per week

₴8094
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1263
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴170
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴2207
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Nationals of Europe, Australia, Canada, Israel, Japan, the Republic of Korea, New Zealand and the USA do not require an entry type D visa (not to confuse with a Schengen visa or a visa-free entry). For other nationals, waiting time is around 6-9 months which includes document preparation and processing.

Riga , Latvia
₴5984
₴4240
₴8445
₴8477
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.

-
-
-
18 500
income
-
-
-
-
microenterprise
-
-
-
2 775
social contributions

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

-
-
-
957
surtax
-
-
-
-
total
-
-
-
3 732
Employee
8 881
-
14 909
-
income
1 581
-
2 706
-
social contributions

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

977
-
1 640
-
surtax
-
-
-
-
total
2 558
-
4 346
-
Employer
8 881
-
14 909
-
social contributions

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

2 139
-
3 591
-
surtax
-
-
-
-
total
2 139
-
3 591
-
Corporate
7 480
18 500
-
-
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%.

1 496
3 700
-
-
total
1 496
3 700
-
-
Dividends

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

5 984
14 800
-
-
total
-
-
-
-
Income
18 500
18 500
18 500
18 500
Total tax
6 193
3 700
7 937
3 732
After tax
12 307
14 800
10 563
14 768
Living cost
6 323
6 323
6 323
6 323
Free-cash
5 984
8 477
4 240
8 445

Estimated living cost  is ₴6323 per week

₴4034
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴602
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴144
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1543
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Istanbul , Turkey
₴7165
₴5787
₴6054
₴7782
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
-
-
-
18 500
income
-
-
-
3 951
health
-
-
-
1 989
pensions
-
-
-
2 744
total
-
-
-
8 684
Employee
5 729
-
15 413
-
health
286
-
686
-
unemployment
57
-
137
-
pensions
516
-
1 235
-
income
1 108
-
3 807
-
total
1 967
-
5 865
-
Employer
5 729
-
15 413
-
health
544
-
1 303
-
pensions
630
-
1 509
-
unemployment
115
-
274
-
total
1 289
-
3 086
-
Corporate
11 481
18 500
-
-
income
2 526
4 070
-
-
total
2 526
4 070
-
-
Dividends
8 955
14 430
-
-
withholding
1 791
2 886
-
-
total
1 791
2 886
-
-
Income
18 500
18 500
18 500
18 500
Total tax
7 573
6 956
8 951
8 684
After tax
10 927
11 544
9 549
9 816
Living cost
3 762
3 762
3 762
3 762
Free-cash
7 165
7 782
5 787
6 054

Estimated living cost  is ₴3762 per week

₴2235
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴305
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴86
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1135
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details
Athens , Greece
₴3845
₴3142
₴3543
₴4811
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
-
-
-
18 500
pensions
-
-
-
3 700
unemployment
-
-
-
69
income
-
-
-
2 853
other
-
-
-
-
health
-
-
-
1 313
surtax
-
-
-
196
total
-
-
-
8 131
Employee
10 235
-
15 283
-
health
261
-
390
-
unemployment
712
-
1 064
-
pensions
683
-
1 019
-
income
1 716
-
2 677
-
other
-
-
-
-
surtax
36
-
166
-
total
3 408
-
5 316
-
Employer
10 235
-
15 283
-
health
465
-
695
-
pensions
1 365
-
2 037
-
unemployment
325
-
484
-
other
-
-
-
-
total
2 155
-
3 216
-
Corporate
6 110
18 500
-
-
income
1 588
4 810
-
-
total
1 588
4 810
-
-
Dividends
4 522
13 690
-
-
withholding
678
2 053
-
-
total
678
2 053
-
-
Income
18 500
18 500
18 500
18 500
Total tax
7 829
6 863
8 532
8 131
After tax
10 671
11 637
9 968
10 369
Living cost
6 826
6 826
6 826
6 826
Free-cash
3 845
4 811
3 142
3 543

Estimated living cost  is ₴6826 per week

₴4121
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴593
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴159
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1953
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details
Graz , Austria
₴756
-₴2729
₴524
₴909
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
-
-
-
18 500
pensions
-
-
-
3 422
chamber of commerce
-
-
-
74
unemployment
-
-
-
1 864
income
-
-
-
1 505
health
-
-
-
1 415
surtax