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
₴ 36000
per

Your estimated
City
free-cash

Valencia , Spain
₴14298
₴10232
₴11485
₴15856
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
-
-
-
36 000
unemployment
-
-
-
197
income
-
-
-
7 718
other
-
-
-
28
accident
-
-
-
254
pensions
-
-
-
7 966
total
-
-
-
16 163
Employee
11 230
-
27 297
-
unemployment
174
-
423
-
pensions
528
-
1 283
-
income
2 165
-
6 981
-
other
11
-
27
-
total
2 878
-
8 714
-
Employer
11 230
-
27 297
-
pensions
2 650
-
6 442
-
accident
222
-
541
-
unemployment
618
-
1 501
-
other
90
-
218
-
total
3 580
-
8 702
-
Corporate
21 189
36 000
-
-
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.

3 179
5 400
-
-
total
3 179
5 400
-
-
Dividends
18 011
30 600
-
-
withholding
3 713
6 392
-
-
total
3 713
6 392
-
-
Income
36 000
36 000
36 000
36 000
Total tax
13 350
11 792
17 416
16 163
After tax
22 650
24 208
18 584
19 837
Living cost
8 352
8 352
8 352
8 352
Free-cash
14 298
15 856
10 232
11 485

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
₴16306
₴12730
₴11242
₴18356
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
-
-
-
36 000
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.

-
-
-
8 640
income
-
-
-
4 731
other
-
-
-
1 710
health
-
-
-
1 584
total
-
-
-
16 665
Employee
11 028
-
28 754
-
health
154
-
402
-
unemployment
110
-
288
-
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
-
2 013
-
income
1 899
-
5 228
-
total
2 935
-
7 931
-
Employer
11 028
-
28 754
-
health
154
-
402
-
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
-
4 888
-
accident
88
-
230
-
unemployment
110
-
288
-
other
552
-
1 438
-
total
2 779
-
7 246
-
Corporate
22 193
36 000
-
-
income
4 660
7 560
-
-
total
4 660
7 560
-
-
Dividends
17 533
28 440
-
-
withholding
1 227
1 991
-
-
total
1 227
1 991
-
-
Income
36 000
36 000
36 000
36 000
Total tax
11 601
9 551
15 177
16 665
After tax
24 399
26 449
20 823
19 335
Living cost
8 093
8 093
8 093
8 093
Free-cash
16 306
18 356
12 730
11 242

Estimated living cost  is ₴8093 per week

₴5718
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴546
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴130
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1698
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Varna , Bulgaria
₴25386
₴25006
₴23785
₴26797
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
-
-
-
36 000
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
-
-
-
5 400
health
-
-
-
1 220
total
-
-
-
8 232
Employee
5 274
-
33 918
-
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
-
3 392
-
total
1 291
-
4 929
-
Employer
5 274
-
33 918
-
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
29 691
36 000
-
-
income
2 969
3 600
-
-
total
2 969
3 600
-
-
Dividends
26 722
32 400
-
-
withholding
1 336
1 620
-
-
total
1 336
1 620
-
-
Income
36 000
36 000
36 000
36 000
Total tax
6 631
5 220
7 011
8 232
After tax
29 369
30 780
28 989
27 768
Living cost
3 983
3 983
3 983
3 983
Free-cash
25 386
26 797
25 006
23 785

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
₴9547
₴11335
₴10179
₴7753
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
-
-
-
36 000
income
-
-
-
4 225
other
-
-
-
1 116
health
-
-
-
976
social contributions
-
-
-
1 026
pensions
-
-
-
8 087
surtax
-
-
-
-
total
-
-
-
15 430
Employee
12 999
-
28 838
-
pensions
1 470
-
1 585
-
income
767
-
4 705
-
social contributions
371
-
822
-
surtax
-
-
-
-
total
2 608
-
7 112
-
Employer
12 999
-
28 838
-
health
910
-
2 170
-
social contributions
39
-
86
-
pensions
2 135
-
2 743
-
unemployment
526
-
1 168
-
other
448
-
995
-
total
4 058
-
7 162
-
Corporate
18 942
36 000
-
-
income
5 304
10 080
-
-
surtax
-
-
-
-
total
5 304
10 080
-
-
Dividends
13 638
25 920
-
-
social contributions
2 346
4 458
-
-
surtax
-
-
-
-
withholding
1 746
3 318
-
-
total
4 092
7 776
-
-
Income
36 000
36 000
36 000
36 000
Total tax
16 062
17 856
14 274
15 430
After tax
19 938
18 144
21 726
20 570
Living cost
10 391
10 391
10 391
10 391
Free-cash
9 547
7 753
11 335
10 179

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
₴2979
₴6456
₴7895
₴4840
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
-
-
-
36 000
pensions
-
-
-
3 558
income
-
-
-
8 079
health
-
-
-
3 745
total
-
-
-
15 382
Employee
25 936
25 936
30 635
-
health
3 981
3 386
3 654
-
pensions
4 669
3 558
3 558
-
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
11 457
-
Employer
25 936
25 936
30 635
-
health
1 803
1 803
2 129
-
pensions
1 805
1 805
2 132
-
unemployment
934
934
1 103
-
total
4 542
4 542
5 364
-
Corporate
5 840
5 522
-
-
income
1 168
1 104
-
-
total
1 168
1 104
-
-
Dividends
4 672
4 418
-
-
income
992
939
-
-
withholding
701
663
-
-
total
1 693
1 602
-
-
Income
36 000
36 000
36 000
36 000
Total tax
20 298
18 437
16 821
15 382
After tax
15 702
17 563
19 179
20 618
Living cost
12 723
12 723
12 723
12 723
Free-cash
2 979
4 840
6 456
7 895

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
₴12347
₴15033
₴11587
₴8987
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.

-
-
-
36 000
trade
-
-
-
3 446
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.

-
-
-
9 188
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.

-
-
-
505
total
-
-
-
15 214
Employee

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

11 617
-
36 000
-
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
-
9 188
-
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
-
505
-
total
2 417
-
11 768
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
24 383
36 000
-
-
income
3 658
5 400
-
-
trade
3 840
5 670
-
-
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.

201
297
-
-
chamber of commerce
81
98
-
-
total
7 780
11 465
-
-
Dividends
16 603
24 535
-
-
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.

222
331
-
-
withholding
4 035
6 018
-
-
total
4 257
6 349
-
-
Income
36 000
36 000
36 000
36 000
Total tax
14 454
17 814
11 768
15 214
After tax
21 546
18 186
24 232
20 786
Living cost
9 199
9 199
9 199
9 199
Free-cash
12 347
8 987
15 033
11 587

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
₴17634
₴17839
₴18230
₴19288
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
-
-
-
36 000
income
-
-
-
4 906
health
-
-
-
918
social contributions
-
-
-
4 914
total
-
-
-
10 738
Employee
23 355
23 355
32 779
-
health
181
397
557
-
income
2 543
2 162
4 738
-
social contributions
883
1 938
2 614
-
total
3 607
4 497
7 909
-
Employer
23 355
23 355
32 779
-
health
197
432
606
-
social contributions
883
1 938
2 614
-
total
1 080
2 370
3 220
-
Corporate
24 282
10 275
-
-
income
3 035
1 284
-
-
total
3 035
1 284
-
-
Dividends
21 247
8 991
-
-
withholding
3 612
1 529
-
-
total
3 612
1 529
-
-
Income
36 000
36 000
36 000
36 000
Total tax
11 334
9 680
11 129
10 738
After tax
24 666
26 320
24 871
25 262
Living cost
7 032
7 032
7 032
7 032
Free-cash
17 634
19 288
17 839
18 230

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
₴10643
₴8146
₴10335
₴10950
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.

-
-
-
36 000
income
-
-
-
3 628
social contributions

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

-
-
-
12 510
surtax
-
-
-
-
total
-
-
-
16 138
Employee
13 969
-
29 091
-
income
2 906
-
8 218
-
social contributions
1 537
-
3 200
-
surtax
-
-
-
-
total
4 443
-
11 418
-
Employer
13 969
-
29 091
-
social contributions
3 318
-
6 909
-
total
3 318
-
6 909
-
Corporate
18 714
36 000
-
-
income
3 930
7 560
-
-
surtax
-
-
-
-
total
3 930
7 560
-
-
Dividends
14 784
28 440
-
-
withholding
4 139
7 963
-
-
total
4 139
7 963
-
-
Income
36 000
36 000
36 000
36 000
Total tax
15 830
15 523
18 327
16 138
After tax
20 170
20 477
17 673
19 862
Living cost
9 527
9 527
9 527
9 527
Free-cash
10 643
10 950
8 146
10 335

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
₴31510
₴26534
₴33374
₴31934
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%.

-
-
-
36 000
microenterprise

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

-
-
-
360
total
-
-
-
360
Employee
2 832
-
36 000
-
income
566
-
7 200
-
total
566
-
7 200
-
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%.

33 168
36 000
-
-
total
-
-
-
-
Dividends
33 168
36 000
-
-
withholding
1 658
1 800
-
-
total
1 658
1 800
-
-
Income
36 000
36 000
36 000
36 000
Total tax
2 224
1 800
7 200
360
After tax
33 776
34 200
28 800
35 640
Living cost
2 266
2 266
2 266
2 266
Free-cash
31 510
31 934
26 534
33 374

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
₴14100
₴9202
₴10233
₴16640
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.

-
-
-
36 000
pensions
-
-
-
6 575
unemployment
-
-
-
54
income
-
-
-
7 450
health
-
-
-
3 542
total
-
-
-
17 621
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
-
31 150
-
health
867
-
2 012
-
unemployment
19
-
44
-
pensions
2 082
-
4 828
-
income
2 316
-
6 919
-
total
5 284
-
13 803
-
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
-
31 150
-
health
895
-
2 074
-
pensions
1 188
-
2 757
-
unemployment
8
-
18
-
total
2 091
-
4 849
-
Corporate
20 478
36 000
-
-
income
3 891
6 840
-
-
total
3 891
6 840
-
-
Dividends
16 587
29 160
-
-
withholding
2 488
4 374
-
-
total
2 488
4 374
-
-
Income
36 000
36 000
36 000
36 000
Total tax
13 754
11 214
18 652
17 621
After tax
22 246
24 786
17 348
18 379
Living cost
8 146
8 146
8 146
8 146
Free-cash
14 100
16 640
9 202
10 233

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
₴11831
₴15502
₴14391
₴10770
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.

-
-
-
36 000
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
-
34 603
-
social contributions
1 396
-
1 397
-
income
1 512
-
6 679
-
total
2 908
-
8 076
-
Employer
13 933
-
34 603
-
social contributions
1 396
-
1 397
-
total
1 396
-
1 397
-
Corporate
20 671
36 000
-
-
income
7 235
12 600
-
-
total
7 235
12 600
-
-
Dividends
13 436
23 400
-
-
social contributions
1 605
1 605
-
-
total
1 605
1 605
-
-
Income
36 000
36 000
36 000
36 000
Total tax
13 144
14 205
9 473
10 584
After tax
22 856
21 795
26 527
25 416
Living cost
11 025
11 025
11 025
11 025
Free-cash
11 831
10 770
15 502
14 391

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
₴15681
₴16451
₴16679
₴15523
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
-
-
-
36 000
income
-
-
-
5 400
health
-
-
-
2 513
social contributions
-
-
-
4 968
total
-
-
-
12 881
Employee
10 298
-
36 000
-
health
719
-
2 513
-
income
1 718
-
5 628
-
social contributions
1 421
-
4 968
-
total
3 858
-
13 109
-
Employer
10 298
-
36 000
-
total
-
-
-
-
Corporate
25 702
36 000
-
-
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%.

1 285
1 800
-
-
total
1 285
1 800
-
-
Dividends
24 417
34 200
-
-
social contributions
3 369
4 720
-
-
withholding
3 663
5 130
-
-
health
1 704
2 387
-
-
total
8 736
12 237
-
-
Income
36 000
36 000
36 000
36 000
Total tax
13 879
14 037
13 109
12 881
After tax
22 121
21 963
22 891
23 119
Living cost
6 440
6 440
6 440
6 440
Free-cash
15 681
15 523
16 451
16 679

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
₴13244
₴9762
₴9518
₴16279
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
-
-
-
36 000
income
-
-
-
3 181
health
-
-
-
4 860
social contributions
-
-
-
9 934
solidarity contribution
-
-
-
-
total
-
-
-
17 975
Employee
12 511
-
26 866
-
health
1 689
-
3 627
-
solidarity contribution
-
-
-
-
income
1 501
-
3 224
-
social contributions
813
-
1 746
-
total
4 003
-
8 597
-
Employer
12 511
-
26 866
-
health
1 126
-
2 418
-
social contributions
3 128
-
6 716
-
total
4 254
-
9 134
-
Corporate
19 236
36 000
-
-
income
3 655
6 840
-
-
total
3 655
6 840
-
-
Dividends
15 581
29 160
-
-
withholding
2 337
4 374
-
-
total
2 337
4 374
-
-
Income
36 000
36 000
36 000
36 000
Total tax
14 249
11 214
17 731
17 975
After tax
21 751
24 786
18 269
18 025
Living cost
8 507
8 507
8 507
8 507
Free-cash
13 244
16 279
9 762
9 518

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
₴30007
₴25269
₴32109
₴30669
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%.

-
-
-
36 000
microenterprise

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

-
-
-
360
total
-
-
-
360
Employee
4 414
-
36 000
-
income
883
-
7 200
-
total
883
-
7 200
-
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%.

31 586
36 000
-
-
total
-
-
-
-
Dividends
31 586
36 000
-
-
withholding
1 579
1 800
-
-
total
1 579
1 800
-
-
Income
36 000
36 000
36 000
36 000
Total tax
2 462
1 800
7 200
360
After tax
33 538
34 200
28 800
35 640
Living cost
3 531
3 531
3 531
3 531
Free-cash
30 007
30 669
25 269
32 109

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
₴5562
₴7057
₴5901
₴3475
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
-
-
-
36 000
income
-
-
-
4 225
other
-
-
-
1 116
health
-
-
-
976
social contributions
-
-
-
1 026
pensions
-
-
-
8 087
surtax
-
-
-
-
total
-
-
-
15 430
Employee
19 022
-
28 838
-
pensions
2 152
-
1 585
-
income
1 660
-
4 705
-
social contributions
542
-
822
-
surtax
-
-
-
-
total
4 354
-
7 112
-
Employer
19 022
-
28 838
-
health
1 331
-
2 170
-
social contributions
57
-
86
-
pensions
3 126
-
2 743
-
unemployment
771
-
1 168
-
other
656
-
995
-
total
5 941
-
7 162
-
Corporate
11 036
36 000
-
-
income
3 090
10 080
-
-
surtax
-
-
-
-
total
3 090
10 080
-
-
Dividends
7 946
25 920
-
-
social contributions
1 367
4 458
-
-
surtax
-
-
-
-
withholding
1 017
3 318
-
-
total
2 384
7 776
-
-
Income
36 000
36 000
36 000
36 000
Total tax
15 769
17 856
14 274
15 430
After tax
20 231
18 144
21 726
20 570
Living cost
14 669
14 669
14 669
14 669
Free-cash
5 562
3 475
7 057
5 901

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
₴19288
₴14575
₴14576
₴20776
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.

-
-
-
36 000
pensions
-
-
-
5 815
unemployment
-
-
-
335
income
-
-
-
7 736
health
-
-
-
2 304
total
-
-
-
16 190
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
-
31 997
-
health
406
-
1 152
-
unemployment
59
-
168
-
pensions
1 105
-
3 131
-
income
1 088
-
7 736
-
total
2 658
-
12 187
-
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
-
31 997
-
health
406
-
1 152
-
pensions
947
-
2 684
-
unemployment
59
-
168
-
total
1 412
-
4 004
-
Corporate
26 695
36 000
-
-
income
4 004
5 400
-
-
total
4 004
5 400
-
-
Dividends
22 691
30 600
-
-
withholding
3 404
4 590
-
-
total
3 404
4 590
-
-
Income
36 000
36 000
36 000
36 000
Total tax
11 478
9 990
16 191
16 190
After tax
24 522
26 010
19 809
19 810
Living cost
5 234
5 234
5 234
5 234
Free-cash
19 288
20 776
14 575
14 576

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
₴4525
₴7010
₴8769
-₴4403
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
-
-
-
36 000
pensions
-
-
-
3 312
city
-
-
-
379
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.

-
-
-
720
health
-
-
-
81
regional
-
-
-
1 493
national
-
-
-
381
total
-
-
-
6 366
Employee
24 418
-
32 222
-
health
55
-
72
-
unemployment
-
-
-
-
city
262
-
346
-
pensions
2 051
-
2 706
-
regional
800
-
1 279
-
national
116
-
299
-
total
3 284
-
4 702
-
Employer
24 418
-
32 222
-
health
55
-
72
-
pensions
2 051
-
2 706
-
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
-
645
-
total
2 594
-
3 423
-
Corporate
8 719
36 000
-
-
regional
1 844
7 614
-
-
national
741
3 060
-
-
total
2 585
10 674
-
-
Dividends
6 134
25 326
-
-
withholding
2 147
8 864
-
-
total
2 147
8 864
-
-
Income
36 000
36 000
36 000
36 000
Total tax
10 610
19 538
8 125
6 366
After tax
25 390
16 462
27 875
29 634
Living cost
20 865
20 865
20 865
20 865
Free-cash
4 525
-4 403
7 010
8 769

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
₴11765
₴8337
₴13272
₴11845
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

-
-
-
36 000
municipal
-
-
-
6 403
health
-
-
-
428
national
-
-
-
4 236
total
-
-
-
11 067
Employee
15 979
-
30 285
-
health
119
-
339
-
unemployment
240
-
454
-
pensions
1 078
-
2 044
-
national
264
-
2 509
-
municipal
2 617
-
4 941
-
total
4 318
-
10 287
-
Employer
15 979
-
30 285
-
health
123
-
233
-
pensions
2 772
-
5 254
-
accident
16
-
31
-
unemployment
104
-
197
-
total
3 015
-
5 715
-
Corporate
17 006
36 000
-
-
income
3 401
7 200
-
-
total
3 401
7 200
-
-
Dividends

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

10 203
21 600
-
-
municipal
1 837
3 888
-
-
national
3
1 406
-
-
total
1 840
5 294
-
-
Income
36 000
36 000
36 000
36 000
Total tax
12 574
12 494
16 002
11 067
After tax
23 426
23 506
19 998
24 933
Living cost
11 661
11 661
11 661
11 661
Free-cash
11 765
11 845
8 337
13 272

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
₴4542
₴2577
₴5216
₴9096
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
-
-
-
36 000
communal

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

-
-
-
1 814
social contributions
-
-
-
5 764
national
-
-
-
12 132
total
-
-
-
19 710
Employee

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

21 725
-
27 884
-
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
-
1 310
-
communal

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

1 133
-
1 454
-
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
-
243
-
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
-
2 091
-
national
6 679
-
9 134
-
total
10 651
-
14 232
-
Employer

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

21 725
-
27 884
-
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
-
1 715
-
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
-
2 470
-
surtax
2 463
-
3 162
-
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
-
363
-
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
-
407
-
total
6 323
-
8 117
-
Corporate
7 951
36 000
-
-
income
1 590
7 200
-
-
surtax
32
144
-
-
total
1 622
7 344
-
-
Dividends
6 329
28 656
-
-
withholding

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

1 788
8 486
-
-
total
1 788
8 486
-
-
Income
36 000
36 000
36 000
36 000
Total tax
20 384
15 830
22 349
19 710
After tax
15 616
20 170
13 651
16 290
Living cost
11 074
11 074
11 074
11 074
Free-cash
4 542
9 096
2 577
5 216

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
₴6265
₴6069
₴6217
₴6559
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
-
-
-
36 000
unemployment
-
-
-
29
municipal
-
-
-
8 255
other
-
-
-
3 335
health
-
-
-
1 791
national
-
-
-
116
accident
-
-
-
57
pensions
-
-
-
3 103
total
-
-
-
16 686
Employee
18 662
-
27 393
-
national
-
-
58
-
municipal
5 565
-
8 169
-
total
5 565
-
8 227
-
Employer
18 662
-
27 393
-
health
1 148
-
1 685
-
pensions
2 017
-
2 961
-
accident
37
-
55
-
unemployment
493
-
723
-
other
2 169
-
3 183
-
total
5 864
-
8 607
-
Corporate
11 474
36 000
-
-
income
2 524
7 920
-
-
total
2 524
7 920
-
-
Dividends
8 950
28 080
-
-
withholding
2 685
8 424
-
-
total
2 685
8 424
-
-
Income
36 000
36 000
36 000
36 000
Total tax
16 638
16 344
16 834
16 686
After tax
19 362
19 656
19 166
19 314
Living cost
13 097
13 097
13 097
13 097
Free-cash
6 265
6 559
6 069
6 217

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
-₴13891
₴17160
₴10441
₴7464
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
-
-
-
36 000
income
-
-
-
7 017
social contributions
-
-
-
4 104
total
-
-
-
11 121
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
-
36 000
-
-
income
-
7 920
-
-
total
-
7 920
-
-
Dividends
-
28 080
-
-
income
-
6 178
-
-
total
-
6 178
-
-
Income
36 000
36 000
36 000
36 000
Total tax
35 453
14 098
4 402
11 121
After tax
547
21 902
31 598
24 879
Living cost
14 438
14 438
14 438
14 438
Free-cash
-13 891
7 464
17 160
10 441

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
₴15209
₴15020
₴15411
₴16469
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
-
-
-
36 000
income
-
-
-
4 906
health
-
-
-
918
social contributions
-
-
-
4 914
total
-
-
-
10 738
Employee
23 355
23 355
32 779
-
health
232
397
557
-
income
2 452
2 162
4 738
-
social contributions
1 135
1 938
2 614
-
total
3 819
4 497
7 909
-
Employer
23 355
23 355
32 779
-
health
253
432
606
-
social contributions
1 135
1 938
2 614
-
total
1 388
2 370
3 220
-
Corporate
20 941
10 275
-
-
income
2 618
1 284
-
-
total
2 618
1 284
-
-
Dividends
18 324
8 991
-
-
withholding
3 115
1 529
-
-
total
3 115
1 529
-
-
Income
36 000
36 000
36 000
36 000
Total tax
10 940
9 680
11 129
10 738
After tax
25 060
26 320
24 871
25 262
Living cost
9 851
9 851
9 851
9 851
Free-cash
15 209
16 469
15 020
15 411

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
₴14405
₴10799
₴14144
₴14352
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
-
-
-
36 000
income
-
-
-
8 617
pensions
-
-
-
2 328
total
-
-
-
10 945
Employee
14 976
-
31 593
-
health
195
-
520
-
pensions
1 143
-
2 978
-
income
2 727
-
6 386
-
total
4 065
-
9 884
-
Employer
14 976
-
31 593
-
health
285
-
600
-
pensions
1 513
-
3 806
-
total
1 798
-
4 406
-
Corporate
19 226
36 000
-
-
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.

3 653
6 840
-
-
total
3 653
6 840
-
-
Dividends
15 573
29 160
-
-
withholding
1 168
3 897
-
-
total
1 168
3 897
-
-
Income
36 000
36 000
36 000
36 000
Total tax
10 684
10 737
14 290
10 945
After tax
25 316
25 263
21 710
25 055
Living cost
10 911
10 911
10 911
10 911
Free-cash
14 405
14 352
10 799
14 144

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
₴5483
₴3943
₴5590
₴6864
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
-
-
-
36 000
municipal
-
-
-
241
regional
-
-
-
771
social contributions
-
-
-
9 259
national
-
-
-
8 040
total
-
-
-
18 311
Employee
25 593
-
36 000
-
social contributions
8 630
-
12 139
-
regional
386
-
658
-
national
4 325
-
6 946
-
municipal
153
-
215
-
total
13 494
-
19 958
-
Employer
25 593
-
36 000
-
total
-
-
-
-
Corporate
10 407
36 000
-
-
nationa
2 497
8 640
-
-
municipal
501
1 735
-
-
total
2 998
10 375
-
-
Dividends
7 408
25 624
-
-
withholding
1 926
6 662
-
-
total
1 926
6 662
-
-
Income
36 000
36 000
36 000
36 000
Total tax
18 418
17 037
19 958
18 311
After tax
17 582
18 963
16 042
17 689
Living cost
12 099
12 099
12 099
12 099
Free-cash
5 483
6 864
3 943
5 590

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
₴1911
₴12418
₴18114
-₴3640
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
-
-
-
36 000
pensions
-
-
-
1 240
income
-
-
-
9 255
other
-
-
-
110
health
-
-
-
650
accident
-
-
-
75
total
-
-
-
11 330
Employee
10 314
-
31 422
-
health
1 181
-
3 598
-
pensions
1 161
-
2 274
-
income
1 415
-
6 576
-
total
3 757
-
12 448
-
Employer
10 314
-
31 422
-
pensions
1 677
-
3 283
-
accident
172
-
525
-
unemployment
253
-
770
-
total
2 102
-
4 578
-
Corporate
23 585
36 000
-
-
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.

21 226
32 400
-
-
total
21 226
32 400
-
-
Dividends
2 358
3 600
-
-
withholding
448
684
-
-
total
448
684
-
-
Income
36 000
36 000
36 000
36 000
Total tax
27 533
33 084
17 026
11 330
After tax
8 467
2 916
18 974
24 670
Living cost
6 556
6 556
6 556
6 556
Free-cash
1 911
-3 640
12 418
18 114

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
₴10802
₴12506
₴9367
₴6830
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.

-
-
-
36 000
trade
-
-
-
3 139
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.

-
-
-
9 188
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.

-
-
-
505
total
-
-
-
14 907
Employee

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

15 112
-
36 000
-
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
-
9 188
-
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
-
505
-
total
3 387
-
11 768
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
20 888
36 000
-
-
income
3 133
5 400
-
-
trade
2 998
5 166
-
-
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.

172
297
-
-
chamber of commerce
77
99
-
-
total
6 380
10 962
-
-
Dividends
14 508
25 038
-
-
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
338
-
-
withholding
3 512
6 144
-
-
total
3 705
6 482
-
-
Income
36 000
36 000
36 000
36 000
Total tax
13 472
17 444
11 768
14 907
After tax
22 528
18 556
24 232
21 093
Living cost
11 726
11 726
11 726
11 726
Free-cash
10 802
6 830
12 506
9 367

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
₴19989
₴13908
₴12835
₴22481
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.

-
-
-
36 000
income
-
-
-
5 272
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.

-
-
-
11 574
surtax
-
-
-
-
total
-
-
-
16 846
Employee
8 875
-
29 011
-
income
1 580
-
5 593
-
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
-
3 191
-
surtax
-
-
-
-
total
2 556
-
8 784
-
Employer
8 875
-
29 011
-
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
-
6 989
-
surtax
-
-
-
-
total
2 138
-
6 989
-
Corporate
24 987
36 000
-
-
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%.

4 998
7 200
-
-
total
4 998
7 200
-
-
Dividends

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

19 990
28 800
-
-
total
-
-
-
-
Income
36 000
36 000
36 000
36 000
Total tax
9 692
7 200
15 773
16 846
After tax
26 308
28 800
20 227
19 154
Living cost
6 319
6 319
6 319
6 319
Free-cash
19 989
22 481
13 908
12 835

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
₴17985
₴17020
₴17294
₴18617
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
-
-
-
36 000
income
-
-
-
10 019
health
-
-
-
2 034
pensions
-
-
-
2 806
total
-
-
-
14 859
Employee
5 859
-
32 843
-
health
293
-
702
-
unemployment
59
-
140
-
pensions
527
-
1 263
-
income
1 133
-
9 871
-
total
2 012
-
11 976
-
Employer
5 859
-
32 843
-
health
557
-
1 333
-
pensions
645
-
1 543
-
unemployment
117
-
281
-
total
1 319
-
3 157
-
Corporate
28 822
36 000
-
-
income
6 341
7 920
-
-
total
6 341
7 920
-
-
Dividends
22 481
28 080
-
-
withholding
4 496
5 616
-
-
total
4 496
5 616
-
-
Income
36 000
36 000
36 000
36 000
Total tax
14 168
13 536
15 133
14 859
After tax
21 832
22 464
20 867
21 141
Living cost
3 847
3 847
3 847
3 847
Free-cash
17 985
18 617
17 020
17 294

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
₴14856
₴10248
₴10842
₴15822
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
-
-
-
36 000
pensions
-
-
-
7 200
unemployment
-
-
-
69
income
-
-
-
7 513
other
-
-
-
-
health
-
-
-
2 556
surtax
-
-
-
998
total
-
-
-
18 336
Employee
10 228
-
29 740
-
health
261
-
758
-
unemployment
712
-
2 070
-
pensions
682
-
1 984
-
income
1 715
-
6 953
-
other
-
-
-
-
surtax
36
-
905
-
total
3 406
-
12 670
-
Employer
10 228
-
29 740
-
health
465
-
1 353
-
pensions
1 364
-
3 964
-
unemployment
324
-
943
-
other
-
-
-
-
total
2 153
-
6 260
-
Corporate
23 619
36 000
-
-
income
6 141
9 360
-
-
total
6 141
9 360
-
-
Dividends
17 478
26 640
-
-
withholding
2 622
3 996
-
-
total
2 622
3 996
-
-
Income
36 000
36 000
36 000
36 000
Total tax
14 322
13 356
18 930
18 336
After tax
21 678
22 644
17 070
17 664
Living cost
6 822
6 822
6 822
6 822
Free-cash
14 856
15 822
10 248
10 842

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
₴10277
₴517
₴8215
₴10429
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
-
-
-
36 000
pensions
-
-
-
6 564
chamber of commerce
-
-
-
144
unemployment
-
-
-
1 863
income
-
-
-
6 810