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
₴ 22000
per

Your estimated
City
free-cash

Valencia , Spain
₴4898
₴3640
₴3485
₴6490
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
-
-
-
22 000
unemployment
-
-
-
154
income
-
-
-
3 563
other
-
-
-
22
accident
-
-
-
198
pensions
-
-
-
6 226
total
-
-
-
10 163
Employee
11 230
-
16 681
-
unemployment
174
-
259
-
pensions
528
-
784
-
income
2 165
-
3 629
-
other
11
-
17
-
total
2 878
-
4 689
-
Employer
11 230
-
16 681
-
pensions
2 650
-
3 937
-
accident
222
-
330
-
unemployment
618
-
918
-
other
90
-
134
-
total
3 580
-
5 319
-
Corporate
7 189
22 000
-
-
income

The general rate of corporate tax is 25%. The lower rate of 15% is introduced for newly formed companies which applies during the first two years of operation in which taxable profit is made. We use the lower rate in our model.

1 078
3 300
-
-
total
1 078
3 300
-
-
Dividends
6 111
18 700
-
-
withholding
1 214
3 858
-
-
total
1 214
3 858
-
-
Income
22 000
22 000
22 000
22 000
Total tax
8 750
7 158
10 008
10 163
After tax
13 250
14 842
11 992
11 837
Living cost
8 352
8 352
8 352
8 352
Free-cash
4 898
6 490
3 640
3 485

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
₴6020
₴4802
₴3820
₴8070
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
-
-
-
22 000
pensions

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

-
-
-
5 280
income
-
-
-
2 794
other
-
-
-
1 045
health
-
-
-
968
total
-
-
-
10 087
Employee
11 028
-
17 572
-
health
154
-
246
-
unemployment
110
-
176
-
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
-
1 230
-
income
1 899
-
3 025
-
total
2 935
-
4 677
-
Employer
11 028
-
17 572
-
health
154
-
246
-
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
-
2 987
-
accident
88
-
141
-
unemployment
110
-
176
-
other
552
-
878
-
total
2 779
-
4 428
-
Corporate
8 193
22 000
-
-
income
1 720
4 620
-
-
total
1 720
4 620
-
-
Dividends
6 473
17 380
-
-
withholding
453
1 217
-
-
total
453
1 217
-
-
Income
22 000
22 000
22 000
22 000
Total tax
7 887
5 837
9 105
10 087
After tax
14 113
16 163
12 895
11 913
Living cost
8 093
8 093
8 093
8 093
Free-cash
6 020
8 070
4 802
3 820

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
₴13416
₴12406
₴11885
₴14827
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
-
-
-
22 000
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
-
-
-
3 300
health
-
-
-
1 220
total
-
-
-
6 132
Employee
5 274
-
19 918
-
health
243
-
488
-
accident

We are using the highest rate at 1.1%.

58
-
117
-
pensions

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

463
-
932
-
income
527
-
1 992
-
total
1 291
-
3 529
-
Employer
5 274
-
19 918
-
health
364
-
732
-
pensions

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

581
-
1 169
-
accident

We are using the highest rate at 1.1%.

58
-
117
-
unemployment
32
-
64
-
total
1 035
-
2 082
-
Corporate
15 691
22 000
-
-
income
1 569
2 200
-
-
total
1 569
2 200
-
-
Dividends
14 122
19 800
-
-
withholding
706
990
-
-
total
706
990
-
-
Income
22 000
22 000
22 000
22 000
Total tax
4 601
3 190
5 611
6 132
After tax
17 399
18 810
16 389
15 868
Living cost
3 983
3 983
3 983
3 983
Free-cash
13 416
14 827
12 406
11 885

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
₴2492
₴2779
₴2690
₴697
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
-
-
-
22 000
income
-
-
-
1 212
other
-
-
-
682
health
-
-
-
190
social contributions
-
-
-
627
pensions
-
-
-
6 208
surtax
-
-
-
-
total
-
-
-
8 919
Employee
12 999
-
16 764
-
pensions
1 470
-
1 896
-
income
767
-
1 222
-
social contributions
371
-
478
-
surtax
-
-
-
-
total
2 608
-
3 596
-
Employer
12 999
-
16 764
-
health
910
-
1 173
-
social contributions
39
-
50
-
pensions
2 135
-
2 754
-
unemployment
526
-
679
-
other
448
-
578
-
total
4 058
-
5 234
-
Corporate
4 942
22 000
-
-
income
1 384
6 160
-
-
surtax
-
-
-
-
total
1 384
6 160
-
-
Dividends
3 558
15 840
-
-
social contributions
612
2 724
-
-
surtax
-
-
-
-
withholding
455
2 028
-
-
total
1 067
4 752
-
-
Income
22 000
22 000
22 000
22 000
Total tax
9 117
10 912
8 830
8 919
After tax
12 883
11 088
13 170
13 081
Living cost
10 391
10 391
10 391
10 391
Free-cash
2 492
697
2 779
2 690

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
-₴8160
-₴8160
-₴189
-₴6454
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
-
-
-
22 000
pensions
-
-
-
3 558
income
-
-
-
2 746
health
-
-
-
3 162
total
-
-
-
9 466
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
22 000
22 000
22 000
22 000
Total tax
17 437
15 731
17 437
9 466
After tax
4 563
6 269
4 563
12 534
Living cost
12 723
12 723
12 723
12 723
Free-cash
-8 160
-6 454
-8 160
-189

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
₴5309
₴7222
₴5981
₴1949
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.

-
-
-
22 000
trade
-
-
-
1 241
income

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

-
-
-
3 321
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.

-
-
-
183
total
-
-
-
6 820
Employee

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

11 617
-
22 000
-
health

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

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

2 075
-
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
-
3 321
-
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
-
183
-
total
2 417
-
5 579
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
10 383
22 000
-
-
income
1 557
3 300
-
-
trade
1 635
3 465
-
-
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.

86
182
-
-
chamber of commerce
61
78
-
-
total
3 339
7 025
-
-
Dividends
7 044
14 975
-
-
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.

90
199
-
-
withholding
1 646
3 628
-
-
total
1 736
3 827
-
-
Income
22 000
22 000
22 000
22 000
Total tax
7 492
10 852
5 579
6 820
After tax
14 508
11 148
16 421
15 180
Living cost
9 199
9 199
9 199
9 199
Free-cash
5 309
1 949
7 222
5 981

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
₴7466
₴8681
₴9528
₴8101
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
-
-
-
22 000
income
-
-
-
1 447
health
-
-
-
561
social contributions
-
-
-
3 432
total
-
-
-
5 440
Employee
23 355
23 355
23 355
-
health
181
397
339
-
income
2 543
2 162
2 263
-
social contributions
883
1 938
1 658
-
total
3 607
4 497
4 260
-
Employer
23 355
23 355
23 355
-
health
197
432
369
-
social contributions
883
1 938
1 658
-
total
1 080
2 370
2 027
-
Corporate
10 282
-
-
-
income
1 285
-
-
-
total
1 285
-
-
-
Dividends
8 996
-
-
-
withholding
1 530
-
-
-
total
1 530
-
-
-
Income
22 000
22 000
22 000
22 000
Total tax
7 502
6 867
6 287
5 440
After tax
14 498
15 133
15 713
16 560
Living cost
7 032
7 032
7 032
7 032
Free-cash
7 466
8 101
8 681
9 528

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
₴2679
₴2175
₴2991
₴2987
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.

-
-
-
22 000
income
-
-
-
1 837
social contributions

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

-
-
-
7 645
surtax
-
-
-
-
total
-
-
-
9 482
Employee
13 969
-
17 778
-
income
2 906
-
4 120
-
social contributions
1 537
-
1 956
-
surtax
-
-
-
-
total
4 443
-
6 076
-
Employer
13 969
-
17 778
-
social contributions
3 318
-
4 222
-
total
3 318
-
4 222
-
Corporate
4 714
22 000
-
-
income
990
4 620
-
-
surtax
-
-
-
-
total
990
4 620
-
-
Dividends
3 724
17 380
-
-
withholding
1 043
4 866
-
-
total
1 043
4 866
-
-
Income
22 000
22 000
22 000
22 000
Total tax
9 794
9 486
10 298
9 482
After tax
12 206
12 514
11 702
12 518
Living cost
9 527
9 527
9 527
9 527
Free-cash
2 679
2 987
2 175
2 991

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
₴18210
₴15334
₴19514
₴18634
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%.

-
-
-
22 000
microenterprise

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

-
-
-
220
total
-
-
-
220
Employee
2 832
-
22 000
-
income
566
-
4 400
-
total
566
-
4 400
-
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%.

19 168
22 000
-
-
total
-
-
-
-
Dividends
19 168
22 000
-
-
withholding
958
1 100
-
-
total
958
1 100
-
-
Income
22 000
22 000
22 000
22 000
Total tax
1 524
1 100
4 400
220
After tax
20 476
20 900
17 600
21 780
Living cost
2 266
2 266
2 266
2 266
Free-cash
18 210
18 634
15 334
19 514

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
₴4461
₴2972
₴3603
₴7001
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.

-
-
-
22 000
pensions
-
-
-
4 018
unemployment
-
-
-
33
income
-
-
-
4 035
health
-
-
-
2 165
total
-
-
-
10 251
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
-
19 036
-
health
867
-
1 230
-
unemployment
19
-
27
-
pensions
2 082
-
2 950
-
income
2 316
-
3 710
-
total
5 284
-
7 917
-
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
-
19 036
-
health
895
-
1 268
-
pensions
1 188
-
1 685
-
unemployment
8
-
12
-
total
2 091
-
2 965
-
Corporate
6 478
22 000
-
-
income
1 231
4 180
-
-
total
1 231
4 180
-
-
Dividends
5 247
17 820
-
-
withholding
787
2 673
-
-
total
787
2 673
-
-
Income
22 000
22 000
22 000
22 000
Total tax
9 393
6 853
10 882
10 251
After tax
12 607
15 147
11 118
11 749
Living cost
8 146
8 146
8 146
8 146
Free-cash
4 461
7 001
2 972
3 603

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
₴3429
₴5002
₴391
₴1670
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.

-
-
-
22 000
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
-
20 603
-
social contributions
1 396
-
1 397
-
income
1 512
-
3 179
-
total
2 908
-
4 576
-
Employer
13 933
-
20 603
-
social contributions
1 396
-
1 397
-
total
1 396
-
1 397
-
Corporate
6 671
22 000
-
-
income
2 335
7 700
-
-
total
2 335
7 700
-
-
Dividends
4 336
14 300
-
-
social contributions
907
1 605
-
-
total
907
1 605
-
-
Income
22 000
22 000
22 000
22 000
Total tax
7 546
9 305
5 973
10 584
After tax
14 454
12 695
16 027
11 416
Living cost
11 025
11 025
11 025
11 025
Free-cash
3 429
1 670
5 002
391

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
₴7140
₴8161
₴7689
₴6982
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
-
-
-
22 000
income
-
-
-
3 300
health
-
-
-
1 535
social contributions
-
-
-
3 036
total
-
-
-
7 871
Employee
10 298
-
22 000
-
health
719
-
1 535
-
income
1 718
-
2 828
-
social contributions
1 421
-
3 036
-
total
3 858
-
7 399
-
Employer
10 298
-
22 000
-
total
-
-
-
-
Corporate
11 702
22 000
-
-
income

The standard tax rate is 15%. However, small companies and agricultural companies can apply a reduced corporate income tax rate of 0% to the first year of operation when certain conditions are met; and 5% to revenues of less than €300,000 per year. We made calculations based on 5% and skipped 0%.

585
1 100
-
-
total
585
1 100
-
-
Dividends
11 117
20 900
-
-
social contributions
1 534
2 884
-
-
withholding
1 667
3 135
-
-
health
776
1 459
-
-
total
3 977
7 478
-
-
Income
22 000
22 000
22 000
22 000
Total tax
8 420
8 578
7 399
7 871
After tax
13 580
13 422
14 601
14 129
Living cost
6 440
6 440
6 440
6 440
Free-cash
7 140
6 982
8 161
7 689

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
₴3605
₴2658
₴2208
₴6640
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
-
-
-
22 000
income
-
-
-
1 891
health
-
-
-
2 970
social contributions
-
-
-
6 424
solidarity contribution
-
-
-
-
total
-
-
-
11 285
Employee
12 511
-
16 418
-
health
1 689
-
2 216
-
solidarity contribution
-
-
-
-
income
1 501
-
1 970
-
social contributions
813
-
1 067
-
total
4 003
-
5 253
-
Employer
12 511
-
16 418
-
health
1 126
-
1 478
-
social contributions
3 128
-
4 104
-
total
4 254
-
5 582
-
Corporate
5 236
22 000
-
-
income
995
4 180
-
-
total
995
4 180
-
-
Dividends
4 241
17 820
-
-
withholding
636
2 673
-
-
total
636
2 673
-
-
Income
22 000
22 000
22 000
22 000
Total tax
9 888
6 853
10 835
11 285
After tax
12 112
15 147
11 165
10 715
Living cost
8 507
8 507
8 507
8 507
Free-cash
3 605
6 640
2 658
2 208

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
₴16707
₴14069
₴18249
₴17369
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%.

-
-
-
22 000
microenterprise

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

-
-
-
220
total
-
-
-
220
Employee
4 414
-
22 000
-
income
883
-
4 400
-
total
883
-
4 400
-
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%.

17 586
22 000
-
-
total
-
-
-
-
Dividends
17 586
22 000
-
-
withholding
879
1 100
-
-
total
879
1 100
-
-
Income
22 000
22 000
22 000
22 000
Total tax
1 762
1 100
4 400
220
After tax
20 238
20 900
17 600
21 780
Living cost
3 531
3 531
3 531
3 531
Free-cash
16 707
17 369
14 069
18 249

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
-₴2964
-₴1499
-₴1588
-₴3581
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
-
-
-
22 000
income
-
-
-
1 212
other
-
-
-
682
health
-
-
-
190
social contributions
-
-
-
627
pensions
-
-
-
6 208
surtax
-
-
-
-
total
-
-
-
8 919
Employee
19 022
-
16 764
-
pensions
2 152
-
1 896
-
income
1 660
-
1 222
-
social contributions
542
-
478
-
surtax
-
-
-
-
total
4 354
-
3 596
-
Employer
19 022
-
16 764
-
health
1 331
-
1 173
-
social contributions
57
-
50
-
pensions
3 126
-
2 754
-
unemployment
771
-
679
-
other
656
-
578
-
total
5 941
-
5 234
-
Corporate
-
22 000
-
-
income
-
6 160
-
-
surtax
-
-
-
-
total
-
6 160
-
-
Dividends
-
15 840
-
-
social contributions
-
2 724
-
-
surtax
-
-
-
-
withholding
-
2 028
-
-
total
-
4 752
-
-
Income
22 000
22 000
22 000
22 000
Total tax
10 295
10 912
8 830
8 919
After tax
11 705
11 088
13 170
13 081
Living cost
14 669
14 669
14 669
14 669
Free-cash
-2 964
-3 581
-1 499
-1 588

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
₴9173
₴6316
₴5495
₴10661
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.

-
-
-
22 000
pensions
-
-
-
5 720
unemployment
-
-
-
330
income
-
-
-
2 955
health
-
-
-
2 266
total
-
-
-
11 271
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
-
18 660
-
health
406
-
961
-
unemployment
59
-
140
-
pensions
1 105
-
2 612
-
income
1 088
-
3 397
-
total
2 658
-
7 110
-
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
-
18 660
-
health
406
-
961
-
pensions
947
-
2 239
-
unemployment
59
-
140
-
total
1 412
-
3 340
-
Corporate
12 695
22 000
-
-
income
1 904
3 300
-
-
total
1 904
3 300
-
-
Dividends
10 791
18 700
-
-
withholding
1 619
2 805
-
-
total
1 619
2 805
-
-
Income
22 000
22 000
22 000
22 000
Total tax
7 593
6 105
10 450
11 271
After tax
14 407
15 895
11 550
10 729
Living cost
5 234
5 234
5 234
5 234
Free-cash
9 173
10 661
6 316
5 495

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
-₴4743
-₴3488
-₴2367
-₴10805
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
-
-
-
22 000
pensions
-
-
-
2 024
city
-
-
-
232
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.

-
-
-
440
health
-
-
-
68
regional
-
-
-
645
national
-
-
-
93
total
-
-
-
3 502
Employee
24 418
-
19 691
-
health
55
-
44
-
unemployment
-
-
-
-
city
262
-
212
-
pensions
2 051
-
1 654
-
regional
800
-
543
-
national
116
-
78
-
total
3 284
-
2 531
-
Employer
24 418
-
19 691
-
health
55
-
44
-
pensions
2 051
-
1 654
-
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
-
394
-
total
2 594
-
2 092
-
Corporate
-
22 000
-
-
regional
-
4 653
-
-
national
-
1 870
-
-
total
-
6 523
-
-
Dividends
-
15 477
-
-
withholding
-
5 417
-
-
total
-
5 417
-
-
Income
22 000
22 000
22 000
22 000
Total tax
5 878
11 940
4 623
3 502
After tax
16 122
10 060
17 377
18 498
Living cost
20 865
20 865
20 865
20 865
Free-cash
-4 743
-10 805
-3 488
-2 367

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
₴2081
₴1552
₴4767
₴3380
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

-
-
-
22 000
municipal
-
-
-
3 922
health
-
-
-
212
national
-
-
-
1 438
total
-
-
-
5 572
Employee
15 979
-
18 508
-
health
119
-
158
-
unemployment
240
-
278
-
pensions
1 078
-
1 250
-
national
264
-
582
-
municipal
2 617
-
3 028
-
total
4 318
-
5 296
-
Employer
15 979
-
18 508
-
health
123
-
142
-
pensions
2 772
-
3 211
-
accident
16
-
18
-
unemployment
104
-
120
-
total
3 015
-
3 491
-
Corporate
3 006
22 000
-
-
income
601
4 400
-
-
total
601
4 400
-
-
Dividends

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

1 803
13 200
-
-
municipal
324
2 376
-
-
national
-
183
-
-
total
324
2 559
-
-
Income
22 000
22 000
22 000
22 000
Total tax
8 258
6 959
8 787
5 572
After tax
13 742
15 041
13 213
16 428
Living cost
11 661
11 661
11 661
11 661
Free-cash
2 081
3 380
1 552
4 767

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
-₴6048
-₴1996
₴65
₴1295
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
-
-
-
22 000
communal

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

-
-
-
1 141
social contributions
-
-
-
2 980
national
-
-
-
6 740
total
-
-
-
10 861
Employee

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

21 725
-
17 040
-
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
-
801
-
communal

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

1 133
-
889
-
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
-
148
-
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
-
1 278
-
national
6 679
-
4 846
-
total
10 651
-
7 962
-
Employer

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

21 725
-
17 040
-
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
-
1 048
-
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
-
1 509
-
surtax
2 463
-
1 932
-
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
-
222
-
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
-
249
-
total
6 323
-
4 960
-
Corporate
-
22 000
-
-
income
-
4 400
-
-
surtax
-
88
-
-
total
-
4 488
-
-
Dividends
-
17 512
-
-
withholding

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

-
5 143
-
-
total
-
5 143
-
-
Income
22 000
22 000
22 000
22 000
Total tax
16 974
9 631
12 922
10 861
After tax
5 026
12 369
9 078
11 139
Living cost
11 074
11 074
11 074
11 074
Free-cash
-6 048
1 295
-1 996
65

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
-₴2526
-₴1349
-₴2130
-₴1085
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
22 000
unemployment
-
-
-
22
municipal
-
-
-
4 660
other
-
-
-
2 556
health
-
-
-
1 373
national
-
-
-
-
accident
-
-
-
44
pensions
-
-
-
2 378
total
-
-
-
11 033
Employee
18 662
-
16 740
-
national
-
-
-
-
municipal
5 565
-
4 992
-
total
5 565
-
4 992
-
Employer
18 662
-
16 740
-
health
1 148
-
1 030
-
pensions
2 017
-
1 810
-
accident
37
-
33
-
unemployment
493
-
442
-
other
2 169
-
1 945
-
total
5 864
-
5 260
-
Corporate
-
22 000
-
-
income
-
4 840
-
-
total
-
4 840
-
-
Dividends
-
17 160
-
-
withholding
-
5 148
-
-
total
-
5 148
-
-
Income
22 000
22 000
22 000
22 000
Total tax
11 429
9 988
10 252
11 033
After tax
10 571
12 012
11 748
10 967
Living cost
13 097
13 097
13 097
13 097
Free-cash
-2 526
-1 085
-1 349
-2 130

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
-₴27891
₴3160
₴766
-₴1053
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
-
-
-
22 000
income
-
-
-
4 288
social contributions
-
-
-
2 508
total
-
-
-
6 796
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
-
22 000
-
-
income
-
4 840
-
-
total
-
4 840
-
-
Dividends
-
17 160
-
-
income
-
3 775
-
-
total
-
3 775
-
-
Income
22 000
22 000
22 000
22 000
Total tax
35 453
8 615
4 402
6 796
After tax
-13 453
13 385
17 598
15 204
Living cost
14 438
14 438
14 438
14 438
Free-cash
-27 891
-1 053
3 160
766

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
₴5042
₴5862
₴6709
₴5282
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
-
-
-
22 000
income
-
-
-
1 447
health
-
-
-
561
social contributions
-
-
-
3 432
total
-
-
-
5 440
Employee
23 355
23 355
23 355
-
health
232
397
339
-
income
2 452
2 162
2 263
-
social contributions
1 135
1 938
1 658
-
total
3 819
4 497
4 260
-
Employer
23 355
23 355
23 355
-
health
253
432
369
-
social contributions
1 135
1 938
1 658
-
total
1 388
2 370
2 027
-
Corporate
6 941
-
-
-
income
867
-
-
-
total
867
-
-
-
Dividends
6 074
-
-
-
withholding
1 033
-
-
-
total
1 033
-
-
-
Income
22 000
22 000
22 000
22 000
Total tax
7 107
6 867
6 287
5 440
After tax
14 893
15 133
15 713
16 560
Living cost
9 851
9 851
9 851
9 851
Free-cash
5 042
5 282
5 862
6 709

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
₴3915
₴3105
₴5497
₴5573
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
-
-
-
22 000
income
-
-
-
4 102
pensions
-
-
-
1 490
total
-
-
-
5 592
Employee
14 976
-
19 493
-
health
195
-
288
-
pensions
1 143
-
1 685
-
income
2 727
-
3 504
-
total
4 065
-
5 477
-
Employer
14 976
-
19 493
-
health
285
-
371
-
pensions
1 513
-
2 136
-
total
1 798
-
2 507
-
Corporate
5 226
22 000
-
-
income

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

993
4 180
-
-
total
993
4 180
-
-
Dividends
4 233
17 820
-
-
withholding
318
1 336
-
-
total
318
1 336
-
-
Income
22 000
22 000
22 000
22 000
Total tax
7 174
5 516
7 984
5 592
After tax
14 826
16 484
14 016
16 408
Living cost
10 911
10 911
10 911
10 911
Free-cash
3 915
5 573
3 105
5 497

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
-₴3593
-₴1551
-₴355
-₴511
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
-
-
-
22 000
municipal
-
-
-
147
regional
-
-
-
362
social contributions
-
-
-
5 658
national
-
-
-
4 089
total
-
-
-
10 256
Employee
25 593
-
22 000
-
social contributions
8 630
-
7 418
-
regional
386
-
312
-
national
4 325
-
3 591
-
municipal
153
-
131
-
total
13 494
-
11 452
-
Employer
25 593
-
22 000
-
total
-
-
-
-
Corporate
-
22 000
-
-
nationa
-
5 280
-
-
municipal
-
1 061
-
-
total
-
6 341
-
-
Dividends
-
15 659
-
-
withholding
-
4 071
-
-
total
-
4 071
-
-
Income
22 000
22 000
22 000
22 000
Total tax
13 494
10 412
11 452
10 256
After tax
8 506
11 588
10 548
11 744
Living cost
12 099
12 099
12 099
12 099
Free-cash
-3 593
-511
-1 551
-355

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
₴777
₴4649
₴8594
-₴4774
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
-
-
-
22 000
pensions
-
-
-
1 240
income
-
-
-
4 775
other
-
-
-
110
health
-
-
-
650
accident
-
-
-
75
total
-
-
-
6 850
Employee
10 314
-
18 276
-
health
1 181
-
2 092
-
pensions
1 161
-
2 058
-
income
1 415
-
2 920
-
total
3 757
-
7 070
-
Employer
10 314
-
18 276
-
pensions
1 677
-
2 972
-
accident
172
-
305
-
unemployment
253
-
448
-
total
2 102
-
3 725
-
Corporate
9 585
22 000
-
-
income

From 1 January 2017, a lowered corporate income tax rate of 9% was introduced for so-called 'small taxpayers' - entities with turnover not exceeding the equivalent of €1.2 million and for taxpayers starting business activity, during their previous tax year.

8 626
19 800
-
-
total
8 626
19 800
-
-
Dividends
959
2 200
-
-
withholding
182
418
-
-
total
182
418
-
-
Income
22 000
22 000
22 000
22 000
Total tax
14 667
20 218
10 795
6 850
After tax
7 333
1 782
11 205
15 150
Living cost
6 556
6 556
6 556
6 556
Free-cash
777
-4 774
4 649
8 594

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
₴3621
₴4695
₴3564
-₴352
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.

-
-
-
22 000
trade
-
-
-
1 131
income

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

-
-
-
3 321
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.

-
-
-
183
total
-
-
-
6 710
Employee

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

15 112
-
22 000
-
health

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

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

2 075
-
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
-
3 321
-
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
-
183
-
total
3 387
-
5 579
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
6 888
22 000
-
-
income
1 033
3 300
-
-
trade
988
3 157
-
-
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
182
-
-
chamber of commerce
56
78
-
-
total
2 134
6 717
-
-
Dividends
4 753
15 283
-
-
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
204
-
-
withholding
1 073
3 705
-
-
total
1 132
3 909
-
-
Income
22 000
22 000
22 000
22 000
Total tax
6 653
10 626
5 579
6 710
After tax
15 347
11 374
16 421
15 290
Living cost
11 726
11 726
11 726
11 726
Free-cash
3 621
-352
4 695
3 564

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
₴8789
₴6177
₴11425
₴11281
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.

-
-
-
22 000
income
-
-
-
-
microenterprise
-
-
-
3 300
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
-
-
-
4 256
Employee
8 875
-
17 729
-
income
1 580
-
3 283
-
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
-
1 950
-
surtax
-
-
-
-
total
2 556
-
5 233
-
Employer
8 875
-
17 729
-
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
-
4 271
-
surtax
-
-
-
-
total
2 138
-
4 271
-
Corporate
10 987
22 000
-
-
income

Corporate income tax rate is 20% applicable to the taxable base. However, before applying the statutory rate, the taxable base should be divided by a coefficient of 0.8. As taxable base is increased by the coefficient, the effective corporate income tax rate is 25%.

2 198
4 400
-
-
total
2 198
4 400
-
-
Dividends

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

8 790
17 600
-
-
total
-
-
-
-
Income
22 000
22 000
22 000
22 000
Total tax
6 892
4 400
9 504
4 256
After tax
15 108
17 600
12 496
17 744
Living cost
6 319
6 319
6 319
6 319
Free-cash
8 789
11 281
6 177
11 425

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
₴9249
₴7920
₴8194
₴9881
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
-
-
-
22 000
income
-
-
-
5 119
health
-
-
-
2 034
pensions
-
-
-
2 806
total
-
-
-
9 959
Employee
5 859
-
18 843
-
health
293
-
702
-
unemployment
59
-
140
-
pensions
527
-
1 263
-
income
1 133
-
4 971
-
total
2 012
-
7 076
-
Employer
5 859
-
18 843
-
health
557
-
1 333
-
pensions
645
-
1 543
-
unemployment
117
-
281
-
total
1 319
-
3 157
-
Corporate
14 822
22 000
-
-
income
3 261
4 840
-
-
total
3 261
4 840
-
-
Dividends
11 561
17 160
-
-
withholding
2 312
3 432
-
-
total
2 312
3 432
-
-
Income
22 000
22 000
22 000
22 000
Total tax
8 904
8 272
10 233
9 959
After tax
13 096
13 728
11 767
12 041
Living cost
3 847
3 847
3 847
3 847
Free-cash
9 249
9 881
7 920
8 194

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
₴6051
₴4746
₴5230
₴7016
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
-
-
-
22 000
pensions
-
-
-
4 400
unemployment
-
-
-
69
income
-
-
-
3 594
other
-
-
-
-
health
-
-
-
1 562
surtax
-
-
-
323
total
-
-
-
9 948
Employee
10 228
-
18 174
-
health
261
-
463
-
unemployment
712
-
1 265
-
pensions
682
-
1 212
-
income
1 715
-
3 380
-
other
-
-
-
-
surtax
36
-
287
-
total
3 406
-
6 607
-
Employer
10 228
-
18 174
-
health
465
-
827
-
pensions
1 364
-
2 422
-
unemployment
324
-
576
-
other
-
-
-
-
total
2 153
-
3 825
-
Corporate
9 619
22 000
-
-
income
2 501
5 720
-
-
total
2 501
5 720
-
-
Dividends
7 118
16 280
-
-
withholding
1 067
2 442
-
-
total
1 067
2 442
-
-
Income
22 000
22 000
22 000
22 000
Total tax
9 127
8 162
10 432
9 948
After tax
12 873
13 838
11 568
12 052
Living cost
6 822
6 822
6 822
6 822
Free-cash
6 051
7 016
4 746
5 230

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
₴2665
-₴1957
₴2194
₴2816
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
-
-
-
22 000
pensions
-
-
-
4 070
chamber of commerce
-
-
-
88
unemployment
-
-
-
1 863
income
-
-
-
2 412
health
-
-
-