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
₴ 35000
per

Your estimated
City
free-cash

Valencia , Spain
₴13609
₴9774
₴10835
₴15187
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
-
-
-
35 000
unemployment
-
-
-
197
income
-
-
-
7 338
other
-
-
-
28
accident
-
-
-
254
pensions
-
-
-
7 981
total
-
-
-
15 798
Employee
11 250
-
26 539
-
unemployment
174
-
411
-
pensions
529
-
1 247
-
income
2 169
-
6 714
-
other
11
-
27
-
total
2 883
-
8 399
-
Employer
11 250
-
26 539
-
pensions
2 655
-
6 263
-
accident
223
-
525
-
unemployment
619
-
1 460
-
other
90
-
212
-
total
3 587
-
8 460
-
Corporate
20 163
35 000
-
-
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.

3 024
5 250
-
-
total
3 024
5 250
-
-
Dividends
17 139
29 750
-
-
withholding
3 530
6 196
-
-
total
3 530
6 196
-
-
Income
35 000
35 000
35 000
35 000
Total tax
13 024
11 446
16 859
15 798
After tax
21 976
23 554
18 141
19 202
Living cost
8 367
8 367
8 367
8 367
Free-cash
13 609
15 187
9 774
10 835

Estimated living cost  is ₴8367 per week

₴5647
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴804
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.
₴1769
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
₴15554
₴12178
₴10729
₴17608
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
-
-
-
35 000
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.

-
-
-
8 400
income
-
-
-
4 562
other
-
-
-
1 662
health
-
-
-
1 540
total
-
-
-
16 164
Employee
11 047
-
27 955
-
health
155
-
391
-
unemployment
110
-
279
-
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.

773
-
1 957
-
income
1 902
-
5 045
-
total
2 940
-
7 672
-
Employer
11 047
-
27 955
-
health
155
-
391
-
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.

1 878
-
4 752
-
accident
88
-
223
-
unemployment
110
-
279
-
other
553
-
1 398
-
total
2 784
-
7 043
-
Corporate
21 169
35 000
-
-
income
4 445
7 350
-
-
total
4 445
7 350
-
-
Dividends
16 723
27 650
-
-
withholding
1 170
1 935
-
-
total
1 170
1 935
-
-
Income
35 000
35 000
35 000
35 000
Total tax
11 339
9 285
14 715
16 164
After tax
23 661
25 715
20 285
18 836
Living cost
8 107
8 107
8 107
8 107
Free-cash
15 554
17 608
12 178
10 729

Estimated living cost  is ₴8107 per week

₴5728
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.
₴1701
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
₴24525
₴24097
₴22927
₴25938
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
-
-
-
35 000
pensions

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

-
-
-
1 572
unemployment
-
-
-
42
income
-
-
-
5 250
health
-
-
-
1 222
total
-
-
-
8 086
Employee
5 280
-
32 916
-
health
243
-
489
-
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.

464
-
933
-
income
528
-
3 292
-
total
1 293
-
4 831
-
Employer
5 280
-
32 916
-
health
364
-
733
-
pensions

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

582
-
1 171
-
accident

We are using the highest rate at 1.1%.

58
-
117
-
unemployment
32
-
64
-
total
1 036
-
2 085
-
Corporate
28 684
35 000
-
-
income
2 868
3 500
-
-
total
2 868
3 500
-
-
Dividends
25 816
31 500
-
-
withholding
1 291
1 575
-
-
total
1 291
1 575
-
-
Income
35 000
35 000
35 000
35 000
Total tax
6 488
5 075
6 916
8 086
After tax
28 512
29 925
28 084
26 914
Living cost
3 987
3 987
3 987
3 987
Free-cash
24 525
25 938
24 097
22 927

Estimated living cost  is ₴3987 per week

₴2328
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴285
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴106
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1269
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
₴9029
₴10883
₴9615
₴7230
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
-
-
-
35 000
income
-
-
-
3 980
other
-
-
-
1 085
health
-
-
-
900
social contributions
-
-
-
997
pensions
-
-
-
8 013
surtax
-
-
-
-
total
-
-
-
14 975
Employee
13 022
-
28 113
-
pensions
1 472
-
1 509
-
income
768
-
4 510
-
social contributions
371
-
801
-
surtax
-
-
-
-
total
2 611
-
6 820
-
Employer
13 022
-
28 113
-
health
912
-
2 074
-
social contributions
39
-
84
-
pensions
2 139
-
2 620
-
unemployment
527
-
1 139
-
other
449
-
970
-
total
4 066
-
6 887
-
Corporate
17 912
35 000
-
-
income
5 015
9 800
-
-
surtax
-
-
-
-
total
5 015
9 800
-
-
Dividends
12 897
25 200
-
-
social contributions
2 218
4 334
-
-
surtax
-
-
-
-
withholding
1 651
3 226
-
-
total
3 869
7 560
-
-
Income
35 000
35 000
35 000
35 000
Total tax
15 561
17 360
13 707
14 975
After tax
19 439
17 640
21 293
20 025
Living cost
10 410
10 410
10 410
10 410
Free-cash
9 029
7 230
10 883
9 615

Estimated living cost  is ₴10410 per week

₴6564
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.
₴2823
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
₴2442
₴5612
₴7249
₴4306
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
-
-
-
35 000
pensions
-
-
-
3 565
income
-
-
-
7 688
health
-
-
-
3 752
total
-
-
-
15 005
Employee
25 982
25 982
29 785
-
health
3 988
3 392
3 609
-
pensions
4 677
3 565
3 565
-
income

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

4 253
4 253
4 253
-
total
12 918
11 210
11 427
-
Employer
25 982
25 982
29 785
-
health
1 806
1 806
2 070
-
pensions
1 808
1 808
2 073
-
unemployment
935
935
1 072
-
total
4 549
4 549
5 215
-
Corporate
4 787
4 468
-
-
income
957
894
-
-
total
957
894
-
-
Dividends
3 830
3 574
-
-
income
814
759
-
-
withholding
574
536
-
-
total
1 388
1 295
-
-
Income
35 000
35 000
35 000
35 000
Total tax
19 812
17 948
16 642
15 005
After tax
15 188
17 052
18 358
19 995
Living cost
12 746
12 746
12 746
12 746
Free-cash
2 442
4 306
5 612
7 249

Estimated living cost  is ₴12746 per week

₴9033
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1149
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴203
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.
₴2361
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
₴11831
₴14466
₴11181
₴8467
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.

-
-
-
35 000
trade
-
-
-
3 285
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.

-
-
-
8 757
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.

-
-
-
2 079
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.

-
-
-
482
total
-
-
-
14 603
Employee

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

11 637
-
35 000
-
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.

2 079
-
2 079
-
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
-
8 757
-
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
-
482
-
total
2 422
-
11 318
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
23 363
35 000
-
-
income
3 505
5 250
-
-
trade
3 680
5 512
-
-
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.

193
289
-
-
chamber of commerce
80
96
-
-
total
7 458
11 147
-
-
Dividends
15 906
23 853
-
-
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.

212
322
-
-
withholding
3 861
5 848
-
-
total
4 073
6 170
-
-
Income
35 000
35 000
35 000
35 000
Total tax
13 953
17 317
11 318
14 603
After tax
21 047
17 683
23 682
20 397
Living cost
9 216
9 216
9 216
9 216
Free-cash
11 831
8 467
14 466
11 181

Estimated living cost  is ₴9216 per week

₴5797
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1075
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.
₴2172
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
₴16893
₴17152
₴17536
₴18548
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
-
-
-
35 000
income
-
-
-
4 604
health
-
-
-
893
social contributions
-
-
-
4 923
total
-
-
-
10 420
Employee
23 396
23 396
31 793
-
health
181
398
540
-
income
2 547
2 166
4 438
-
social contributions
885
1 942
2 619
-
total
3 613
4 506
7 597
-
Employer
23 396
23 396
31 793
-
health
197
433
588
-
social contributions
885
1 942
2 619
-
total
1 082
2 375
3 207
-
Corporate
23 261
9 229
-
-
income
2 908
1 154
-
-
total
2 908
1 154
-
-
Dividends
20 353
8 076
-
-
withholding
3 460
1 373
-
-
total
3 460
1 373
-
-
Income
35 000
35 000
35 000
35 000
Total tax
11 063
9 408
10 804
10 420
After tax
23 937
25 592
24 196
24 580
Living cost
7 044
7 044
7 044
7 044
Free-cash
16 893
18 548
17 152
17 536

Estimated living cost  is ₴7044 per week

₴4222
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴691
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.
₴1976
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
₴10058
₴7740
₴9812
₴10364
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.

-
-
-
35 000
income
-
-
-
3 482
social contributions

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

-
-
-
12 163
surtax
-
-
-
-
total
-
-
-
15 645
Employee
13 993
-
28 283
-
income
2 911
-
7 888
-
social contributions
1 539
-
3 111
-
surtax
-
-
-
-
total
4 450
-
10 999
-
Employer
13 993
-
28 283
-
social contributions
3 323
-
6 717
-
total
3 323
-
6 717
-
Corporate
17 683
35 000
-
-
income
3 714
7 350
-
-
surtax
-
-
-
-
total
3 714
7 350
-
-
Dividends
13 970
27 650
-
-
withholding
3 911
7 742
-
-
total
3 911
7 742
-
-
Income
35 000
35 000
35 000
35 000
Total tax
15 398
15 092
17 716
15 645
After tax
19 602
19 908
17 284
19 355
Living cost
9 544
9 544
9 544
9 544
Free-cash
10 058
10 364
7 740
9 812

Estimated living cost  is ₴9544 per week

₴7140
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴563
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.
₴1681
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
₴30444
₴25637
₴32287
₴30887
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%.

-
-
-
35 000
microenterprise

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

-
-
-
350
total
-
-
-
350
Employee
2 953
-
35 000
-
income
591
-
7 000
-
total
591
-
7 000
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

We will register your company as part of a virtual zone. Your non-Georgian corporate tax will be zero. Turnover in Georgia will be taxed at 15%.

32 047
35 000
-
-
total
-
-
-
-
Dividends
32 047
35 000
-
-
withholding
1 602
1 750
-
-
total
1 602
1 750
-
-
Income
35 000
35 000
35 000
35 000
Total tax
2 193
1 750
7 000
350
After tax
32 807
33 250
28 000
34 650
Living cost
2 363
2 363
2 363
2 363
Free-cash
30 444
30 887
25 637
32 287

Estimated living cost  is ₴2363 per week

₴1464
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴196
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴65
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.
₴637
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
₴13391
₴8744
₴9746
₴15937
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.

-
-
-
35 000
pensions
-
-
-
6 392
unemployment
-
-
-
53
income
-
-
-
7 204
health
-
-
-
3 444
total
-
-
-
17 093
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.

13 454
-
30 285
-
health
869
-
1 956
-
unemployment
19
-
42
-
pensions
2 086
-
4 694
-
income
2 320
-
6 688
-
total
5 294
-
13 380
-
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.

13 454
-
30 285
-
health
896
-
2 017
-
pensions
1 191
-
2 680
-
unemployment
8
-
18
-
total
2 095
-
4 715
-
Corporate
19 451
35 000
-
-
income
3 696
6 650
-
-
total
3 696
6 650
-
-
Dividends
15 755
28 350
-
-
withholding
2 363
4 252
-
-
total
2 363
4 252
-
-
Income
35 000
35 000
35 000
35 000
Total tax
13 448
10 902
18 095
17 093
After tax
21 552
24 098
16 905
17 907
Living cost
8 161
8 161
8 161
8 161
Free-cash
13 391
15 937
8 744
9 746

Estimated living cost  is ₴8161 per week

₴5601
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.
₴1879
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
₴11163
₴14730
₴13370
₴10098
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.

-
-
-
35 000
income
-
-
-
8 661
health

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

-
-
-
1 924
total
-
-
-
10 585
Employee
13 957
-
33 600
-
social contributions
1 398
-
1 400
-
income
1 514
-
6 425
-
total
2 912
-
7 825
-
Employer
13 957
-
33 600
-
social contributions
1 398
-
1 400
-
total
1 398
-
1 400
-
Corporate
19 644
35 000
-
-
income
6 875
12 250
-
-
total
6 875
12 250
-
-
Dividends
12 769
22 750
-
-
social contributions
1 607
1 607
-
-
total
1 607
1 607
-
-
Income
35 000
35 000
35 000
35 000
Total tax
12 792
13 857
9 225
10 585
After tax
22 208
21 143
25 775
24 415
Living cost
11 045
11 045
11 045
11 045
Free-cash
11 163
10 098
14 730
13 370

Estimated living cost  is ₴11045 per week

₴7275
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴871
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.
₴2729
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
₴15059
₴15849
₴16025
₴14902
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
-
-
-
35 000
income
-
-
-
5 250
health
-
-
-
2 443
social contributions
-
-
-
4 830
total
-
-
-
12 523
Employee
10 316
-
35 000
-
health
720
-
2 443
-
income
1 721
-
5 426
-
social contributions
1 424
-
4 830
-
total
3 865
-
12 699
-
Employer
10 316
-
35 000
-
total
-
-
-
-
Corporate
24 684
35 000
-
-
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%.

1 234
1 750
-
-
total
1 234
1 750
-
-
Dividends
23 450
33 250
-
-
social contributions
3 236
4 588
-
-
withholding
3 517
4 987
-
-
health
1 637
2 321
-
-
total
8 390
11 896
-
-
Income
35 000
35 000
35 000
35 000
Total tax
13 489
13 646
12 699
12 523
After tax
21 511
21 354
22 301
22 477
Living cost
6 452
6 452
6 452
6 452
Free-cash
15 059
14 902
15 849
16 025

Estimated living cost  is ₴6452 per week

₴4318
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴398
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.
₴1587
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
₴12543
₴9244
₴8763
₴15581
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
-
-
-
35 000
income
-
-
-
3 049
health
-
-
-
4 725
social contributions
-
-
-
9 946
solidarity contribution
-
-
-
-
total
-
-
-
17 720
Employee
12 525
-
26 119
-
health
1 691
-
3 526
-
solidarity contribution
-
-
-
-
income
1 503
-
3 134
-
social contributions
814
-
1 698
-
total
4 008
-
8 358
-
Employer
12 525
-
26 119
-
health
1 127
-
2 351
-
social contributions
3 131
-
6 530
-
total
4 258
-
8 881
-
Corporate
18 216
35 000
-
-
income
3 461
6 650
-
-
total
3 461
6 650
-
-
Dividends
14 755
28 350
-
-
withholding
2 213
4 252
-
-
total
2 213
4 252
-
-
Income
35 000
35 000
35 000
35 000
Total tax
13 940
10 902
17 239
17 720
After tax
21 060
24 098
17 761
17 280
Living cost
8 517
8 517
8 517
8 517
Free-cash
12 543
15 581
9 244
8 763

Estimated living cost  is ₴8517 per week

₴6334
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.
₴1564
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
₴28878
₴24318
₴30968
₴29568
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%.

-
-
-
35 000
microenterprise

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

-
-
-
350
total
-
-
-
350
Employee
4 602
-
35 000
-
income
920
-
7 000
-
total
920
-
7 000
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

We will register your company as part of a virtual zone. Your non-Georgian corporate tax will be zero. Turnover in Georgia will be taxed at 15%.

30 398
35 000
-
-
total
-
-
-
-
Dividends
30 398
35 000
-
-
withholding
1 520
1 750
-
-
total
1 520
1 750
-
-
Income
35 000
35 000
35 000
35 000
Total tax
2 440
1 750
7 000
350
After tax
32 560
33 250
28 000
34 650
Living cost
3 682
3 682
3 682
3 682
Free-cash
28 878
29 568
24 318
30 968

Estimated living cost  is ₴3682 per week

₴2491
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴155
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴123
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.
₴912
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
₴5036
₴6598
₴5330
₴2945
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
-
-
-
35 000
income
-
-
-
3 980
other
-
-
-
1 085
health
-
-
-
900
social contributions
-
-
-
997
pensions
-
-
-
8 013
surtax
-
-
-
-
total
-
-
-
14 975
Employee
19 056
-
28 113
-
pensions
2 155
-
1 509
-
income
1 663
-
4 510
-
social contributions
543
-
801
-
surtax
-
-
-
-
total
4 361
-
6 820
-
Employer
19 056
-
28 113
-
health
1 334
-
2 074
-
social contributions
57
-
84
-
pensions
3 131
-
2 620
-
unemployment
772
-
1 139
-
other
658
-
970
-
total
5 952
-
6 887
-
Corporate
9 992
35 000
-
-
income
2 798
9 800
-
-
surtax
-
-
-
-
total
2 798
9 800
-
-
Dividends
7 194
25 200
-
-
social contributions
1 237
4 334
-
-
surtax
-
-
-
-
withholding
921
3 226
-
-
total
2 158
7 560
-
-
Income
35 000
35 000
35 000
35 000
Total tax
15 269
17 360
13 707
14 975
After tax
19 731
17 640
21 293
20 025
Living cost
14 695
14 695
14 695
14 695
Free-cash
5 036
2 945
6 598
5 330

Estimated living cost  is ₴14695 per week

₴9945
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1202
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.
₴3346
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
₴18551
₴13834
₴13835
₴20042
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.

-
-
-
35 000
pensions
-
-
-
5 829
unemployment
-
-
-
336
income
-
-
-
7 445
health
-
-
-
2 309
total
-
-
-
15 919
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.

7 911
-
30 987
-
health
407
-
1 155
-
unemployment
59
-
168
-
pensions
1 108
-
3 139
-
income
1 090
-
7 445
-
total
2 664
-
11 907
-
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.

7 911
-
30 987
-
health
407
-
1 155
-
pensions
949
-
2 690
-
unemployment
59
-
168
-
total
1 415
-
4 013
-
Corporate
25 673
35 000
-
-
income
3 851
5 250
-
-
total
3 851
5 250
-
-
Dividends
21 822
29 750
-
-
withholding
3 273
4 462
-
-
total
3 273
4 462
-
-
Income
35 000
35 000
35 000
35 000
Total tax
11 203
9 712
15 920
15 919
After tax
23 797
25 288
19 080
19 081
Living cost
5 246
5 246
5 246
5 246
Free-cash
18 551
20 042
13 834
13 835

Estimated living cost  is ₴5246 per week

₴3532
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴406
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.
₴1156
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
₴4167
₴6434
₴8153
-₴4685
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
-
-
-
35 000
pensions
-
-
-
3 220
city
-
-
-
369
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.

-
-
-
700
health
-
-
-
79
regional
-
-
-
1 431
national
-
-
-
359
total
-
-
-
6 158
Employee
24 212
-
31 327
-
health
55
-
71
-
unemployment
-
-
-
-
city
260
-
336
-
pensions
2 034
-
2 631
-
regional
793
-
1 229
-
national
115
-
282
-
total
3 257
-
4 549
-
Employer
24 212
-
31 327
-
health
55
-
71
-
pensions
2 034
-
2 631
-
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
-
626
-
total
2 573
-
3 328
-
Corporate
7 949
35 000
-
-
regional
1 681
7 403
-
-
national
676
2 975
-
-
total
2 357
10 378
-
-
Dividends
5 592
24 622
-
-
withholding
1 957
8 618
-
-
total
1 957
8 618
-
-
Income
35 000
35 000
35 000
35 000
Total tax
10 144
18 996
7 877
6 158
After tax
24 856
16 004
27 123
28 842
Living cost
20 689
20 689
20 689
20 689
Free-cash
4 167
-4 685
6 434
8 153

Estimated living cost  is ₴20689 per week

₴13454
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.
₴5125
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
₴11053
₴7862
₴12660
₴11241
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

-
-
-
35 000
municipal
-
-
-
6 226
health
-
-
-
412
national
-
-
-
4 021
total
-
-
-
10 659
Employee
16 007
-
29 444
-
health
120
-
326
-
unemployment
240
-
442
-
pensions
1 080
-
1 987
-
national
264
-
2 342
-
municipal
2 622
-
4 804
-
total
4 326
-
9 901
-
Employer
16 007
-
29 444
-
health
123
-
227
-
pensions
2 777
-
5 109
-
accident
16
-
29
-
unemployment
104
-
191
-
total
3 020
-
5 556
-
Corporate
15 972
35 000
-
-
income
3 195
7 000
-
-
total
3 195
7 000
-
-
Dividends

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

9 583
21 000
-
-
municipal
1 725
3 780
-
-
national
-
1 298
-
-
total
1 725
5 078
-
-
Income
35 000
35 000
35 000
35 000
Total tax
12 266
12 078
15 457
10 659
After tax
22 734
22 922
19 543
24 341
Living cost
11 681
11 681
11 681
11 681
Free-cash
11 053
11 241
7 862
12 660

Estimated living cost  is ₴11681 per week

₴7630
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1124
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.
₴2742
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
₴3955
₴2265
₴4822
₴8519
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
-
-
-
35 000
communal

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

-
-
-
1 763
social contributions
-
-
-
5 624
national
-
-
-
11 697
total
-
-
-
19 084
Employee

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

21 764
-
27 109
-
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.

1 023
-
1 274
-
communal

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

1 135
-
1 414
-
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
-
236
-
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.

1 632
-
2 033
-
national
6 691
-
8 792
-
total
10 670
-
13 749
-
Employer

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

21 764
-
27 109
-
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.

1 338
-
1 667
-
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.

1 928
-
2 402
-
surtax
2 468
-
3 074
-
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
-
353
-
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.

318
-
396
-
total
6 335
-
7 892
-
Corporate
6 901
35 000
-
-
income
1 381
7 000
-
-
surtax
28
140
-
-
total
1 409
7 140
-
-
Dividends
5 493
27 860
-
-
withholding

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

1 537
8 247
-
-
total
1 537
8 247
-
-
Income
35 000
35 000
35 000
35 000
Total tax
19 951
15 387
21 641
19 084
After tax
15 049
19 613
13 359
15 916
Living cost
11 094
11 094
11 094
11 094
Free-cash
3 955
8 519
2 265
4 822

Estimated living cost  is ₴11094 per week

₴7146
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴970
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.
₴2804
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
₴5617
₴5494
₴5486
₴5914
S + D Salary + Dividends

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

Dividends

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

Salary

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

Sole trader

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

Sole trader
-
-
-
35 000
unemployment
-
-
-
29
municipal
-
-
-
7 939
other
-
-
-
3 361
health
-
-
-
1 805
national
-
-
-
-
accident
-
-
-
58
pensions
-
-
-
3 126
total
-
-
-
16 318
Employee
18 803
-
26 632
-
national
-
-
-
-
municipal
5 607
-
7 942
-
total
5 607
-
7 942
-
Employer
18 803
-
26 632
-
health
1 156
-
1 638
-
pensions
2 033
-
2 879
-
accident
38
-
53
-
unemployment
496
-
703
-
other
2 185
-
3 095
-
total
5 908
-
8 368
-
Corporate
10 289
35 000
-
-
income
2 264
7 700
-
-
total
2 264
7 700
-
-
Dividends
8 025
27 300
-
-
withholding
2 408
8 190
-
-
total
2 408
8 190
-
-
Income
35 000
35 000
35 000
35 000
Total tax
16 187
15 890
16 310
16 318
After tax
18 813
19 110
18 690
18 682
Living cost
13 196
13 196
13 196
13 196
Free-cash
5 617
5 914
5 494
5 486

Estimated living cost  is ₴13196 per week

₴8746
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1295
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.
₴2955
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
-₴15825
₴15808
₴9480
₴6586
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
-
-
-
35 000
income
-
-
-
6 822
social contributions
-
-
-
3 990
total
-
-
-
10 812
Employee
21 090
-
-
-
income
4 652
-
-
-
social contributions
1 729
-
246
-
total
6 381
-
246
-
Employer
21 090
-
-
-
social contributions
29 736
-
4 238
-
total
29 736
-
4 238
-
Corporate
-
35 000
-
-
income
-
7 700
-
-
total
-
7 700
-
-
Dividends
-
27 300
-
-
income
-
6 006
-
-
total
-
6 006
-
-
Income
35 000
35 000
35 000
35 000
Total tax
36 117
13 706
4 484
10 812
After tax
-1 117
21 294
30 516
24 188
Living cost
14 708
14 708
14 708
14 708
Free-cash
-15 825
6 586
15 808
9 480

Estimated living cost  is ₴14708 per week

₴9543
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1383
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴187
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.
₴3594
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
₴14462
₴14327
₴14712
₴15723
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
-
-
-
35 000
income
-
-
-
4 604
health
-
-
-
893
social contributions
-
-
-
4 923
total
-
-
-
10 420
Employee
23 396
23 396
31 793
-
health
233
398
540
-
income
2 457
2 166
4 438
-
social contributions
1 137
1 942
2 619
-
total
3 827
4 506
7 597
-
Employer
23 396
23 396
31 793
-
health
253
433
588
-
social contributions
1 137
1 942
2 619
-
total
1 390
2 375
3 207
-
Corporate
19 915
9 229
-
-
income
2 489
1 154
-
-
total
2 489
1 154
-
-
Dividends
17 426
8 076
-
-
withholding
2 963
1 373
-
-
total
2 963
1 373
-
-
Income
35 000
35 000
35 000
35 000
Total tax
10 669
9 408
10 804
10 420
After tax
24 331
25 592
24 196
24 580
Living cost
9 868
9 868
9 868
9 868
Free-cash
14 462
15 723
14 327
14 712

Estimated living cost  is ₴9868 per week

₴6746
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴771
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.
₴2186
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
₴13640
₴10287
₴13548
₴13799
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
-
-
-
35 000
income
-
-
-
8 218
pensions
-
-
-
2 310
total
-
-
-
10 528
Employee
14 994
-
30 729
-
health
196
-
511
-
pensions
1 144
-
2 964
-
income
2 731
-
6 044
-
total
4 071
-
9 519
-
Employer
14 994
-
30 729
-
health
285
-
584
-
pensions
1 515
-
3 686
-
total
1 800
-
4 270
-
Corporate
18 206
35 000
-
-
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.

3 459
6 650
-
-
total
3 459
6 650
-
-
Dividends
14 747
28 350
-
-
withholding
1 106
3 627
-
-
total
1 106
3 627
-
-
Income
35 000
35 000
35 000
35 000
Total tax
10 436
10 277
13 789
10 528
After tax
24 564
24 723
21 211
24 472
Living cost
10 924
10 924
10 924
10 924
Free-cash
13 640
13 799
10 287
13 548

Estimated living cost  is ₴10924 per week

₴7494
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1005
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.
₴2288
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
₴4929
₴3547
₴5148
₴6314
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
-
-
-
35 000
municipal
-
-
-
234
regional
-
-
-
741
social contributions
-
-
-
9 002
national
-
-
-
7 754
total
-
-
-
17 731
Employee
25 638
-
35 000
-
social contributions
8 645
-
11 802
-
regional
387
-
631
-
national
4 333
-
6 690
-
municipal
153
-
209
-
total
13 518
-
19 332
-
Employer
25 638
-
35 000
-
total
-
-
-
-
Corporate
9 362
35 000
-
-
nationa
2 247
8 400
-
-
municipal
452
1 687
-
-
total
2 699
10 087
-
-
Dividends
6 663
24 913
-
-
withholding
1 733
6 478
-
-
total
1 733
6 478
-
-
Income
35 000
35 000
35 000
35 000
Total tax
17 950
16 565
19 332
17 731
After tax
17 050
18 435
15 668
17 269
Living cost
12 121
12 121
12 121
12 121
Free-cash
4 929
6 314
3 547
5 148

Estimated living cost  is ₴12121 per week

₴8514
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴834
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.
₴2590
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
₴1839
₴11916
₴17490
-₴3663
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
-
-
-
35 000
pensions
-
-
-
1 229
income
-
-
-
8 955
other
-
-
-
109
health
-
-
-
644
accident
-
-
-
75
total
-
-
-
11 012
Employee
10 222
-
30 490
-
health
1 170
-
3 491
-
pensions
1 151
-
2 253
-
income
1 402
-
6 332
-
total
3 723
-
12 076
-
Employer
10 222
-
30 490
-
pensions
1 662
-
3 254
-
accident
171
-
509
-
unemployment
250
-
747
-
total
2 083
-
4 510
-
Corporate
22 695
35 000
-
-
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.

20 426
31 500
-
-
total
20 426
31 500
-
-
Dividends
2 270
3 500
-
-
withholding
431
665
-
-
total
431
665
-
-
Income
35 000
35 000
35 000
35 000
Total tax
26 663
32 165
16 586
11 012
After tax
8 337
2 835
18 414
23 988
Living cost
6 498
6 498
6 498
6 498
Free-cash
1 839
-3 663
11 916
17 490

Estimated living cost  is ₴6498 per week

₴4762
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.
₴1240
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
₴10277
₴11936
₴8943
₴6295
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.

-
-
-
35 000
trade
-
-
-
2 993
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.

-
-
-
8 757
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.

-
-
-
2 079
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.

-
-
-
482
total
-
-
-
14 311
Employee

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

15 139
-
35 000
-
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.

2 079
-
2 079
-
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.

1 245
-
8 757
-
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
-
482
-
total
3 393
-
11 318
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
19 861
35 000
-
-
income
2 979
5 250
-
-
trade
2 850
5 023
-
-
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.

164
289
-
-
chamber of commerce
75
98
-
-
total
6 068
10 660
-
-
Dividends
13 793
24 341
-
-
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
329
-
-
withholding
3 333
5 970
-
-
total
3 516
6 299
-
-
Income
35 000
35 000
35 000
35 000
Total tax
12 977
16 959
11 318
14 311
After tax
22 023
18 041
23 682
20 689
Living cost
11 746
11 746
11 746
11 746
Free-cash
10 277
6 295
11 936
8 943

Estimated living cost  is ₴11746 per week

₴8103
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1264
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.
₴2209
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
₴19174
₴13345
₴12302
₴21670
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.

-
-
-
35 000
income
-
-
-
5 115
microenterprise
-
-
-
-
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.

-
-
-
11 253
surtax
-
-
-
-
total
-
-
-
16 368
Employee
8 890
-
28 205
-
income
1 583
-
5 427
-
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.

978
-
3 103
-
surtax
-
-
-
-
total
2 561
-
8 530
-
Employer
8 890
-
28 205
-
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.

2 142
-
6 795
-
surtax
-
-
-
-
total
2 142
-
6 795
-
Corporate
23 968
35 000
-
-
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%.

4 793
7 000
-
-
total
4 793
7 000
-
-
Dividends

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

19 175
28 000
-
-
total
-
-
-
-
Income
35 000
35 000
35 000
35 000
Total tax
9 496
7 000
15 325
16 368
After tax
25 504
28 000
19 675
18 632
Living cost
6 330
6 330
6 330
6 330
Free-cash
19 174
21 670
13 345
12 302

Estimated living cost  is ₴6330 per week

₴4038
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴603
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.
₴1545
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
₴17435
₴16475
₴16746
₴18057
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
-
-
-
35 000
income
-
-
-
9 712
health
-
-
-
2 000
pensions
-
-
-
2 759
total
-
-
-
14 471
Employee
5 761
-
31 896
-
health
288
-
690
-
unemployment
58
-
138
-
pensions
519
-
1 242
-
income
1 115
-
9 567
-
total
1 980
-
11 637
-
Employer
5 761
-
31 896
-
health
547
-
1 311
-
pensions
634
-
1 518
-
unemployment
115
-
276
-
total
1 296
-
3 105
-
Corporate
27 942
35 000
-
-
income
6 147
7 700
-
-
total
6 147
7 700
-
-
Dividends
21 795
27 300
-
-
withholding
4 359
5 460
-
-
total
4 359
5 460
-
-
Income
35 000
35 000
35 000
35 000
Total tax
13 782
13 160
14 742
14 471
After tax
21 218
21 840
20 258
20 529
Living cost
3 783
3 783
3 783
3 783
Free-cash
17 435
18 057
16 475
16 746

Estimated living cost  is ₴3783 per week

₴2248
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴307
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴87
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.
₴1141
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
₴14213
₴9919
₴10492
₴15181
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
-
-
-
35 000
pensions
-
-
-
7 000
unemployment
-
-
-
69
income
-
-
-
7 178
other
-
-
-
-
health
-
-
-
2 485
surtax
-
-
-
942
total
-
-
-
17 674
Employee
10 246
-
28 914
-
health
262
-
737
-
unemployment
713
-
2 012
-
pensions
684
-
1 928
-
income
1 718
-
6 634
-
other
-
-
-
-
surtax
36
-
851
-
total
3 413
-
12 162
-
Employer
10 246
-
28 914
-
health
466
-
1 315
-
pensions
1 366
-
3 854
-
unemployment
325
-
916
-
other
-
-
-
-
total
2 157
-
6 085
-
Corporate
22 597
35 000
-
-
income
5 875
9 100
-
-
total
5 875
9 100
-
-
Dividends
16 722
25 900
-
-
withholding
2 508
3 885
-
-
total
2 508
3 885
-
-
Income
35 000
35 000
35 000
35 000
Total tax
13 953
12 985
18 247
17 674
After tax
21 047
22 015
16 753
17 326
Living cost
6 834
6 834
6 834
6 834
Free-cash
14 213
15 181
9 919
10 492

Estimated living cost  is ₴6834 per week

₴4126
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴594
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.
₴1956
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
₴9718
₴334
₴7700
₴9868
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
-
-
-
35 000
pensions
-
-
-
6 475
chamber of commerce
-
-
-
140
unemployment
-
-
-
1 866
income
-
-
-
6 435