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
₴ 41000
per

Your estimated
City
free-cash

Valencia , Spain
₴17657
₴13178
₴14637
₴19130
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
-
-
-
41 000
unemployment
-
-
-
197
income
-
-
-
9 569
other
-
-
-
28
accident
-
-
-
254
pensions
-
-
-
7 965
total
-
-
-
18 013
Employee
11 228
-
32 027
-
unemployment
174
-
436
-
pensions
528
-
1 323
-
income
2 165
-
8 712
-
other
11
-
28
-
total
2 878
-
10 499
-
Employer
11 228
-
32 027
-
pensions
2 650
-
6 643
-
accident
222
-
557
-
unemployment
618
-
1 548
-
other
90
-
225
-
total
3 580
-
8 973
-
Corporate
26 192
41 000
-
-
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.

3 929
6 150
-
-
total
3 929
6 150
-
-
Dividends
22 263
34 850
-
-
withholding
4 606
7 370
-
-
total
4 606
7 370
-
-
Income
41 000
41 000
41 000
41 000
Total tax
14 993
13 520
19 472
18 013
After tax
26 007
27 480
21 528
22 987
Living cost
8 350
8 350
8 350
8 350
Free-cash
17 657
19 130
13 178
14 637

Estimated living cost  is ₴8350 per week

₴5636
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
₴19982
₴15446
₴13750
₴22031
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
-
-
-
41 000
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.

-
-
-
9 840
income
-
-
-
5 567
other
-
-
-
1 948
health
-
-
-
1 804
total
-
-
-
19 159
Employee
11 026
-
32 747
-
health
154
-
459
-
unemployment
110
-
327
-
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
-
2 292
-
income
1 898
-
6 133
-
total
2 934
-
9 211
-
Employer
11 026
-
32 747
-
health
154
-
459
-
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
-
5 567
-
accident
88
-
262
-
unemployment
110
-
327
-
other
551
-
1 637
-
total
2 778
-
8 252
-
Corporate
27 196
41 000
-
-
income
5 711
8 610
-
-
total
5 711
8 610
-
-
Dividends
21 484
32 390
-
-
withholding
1 504
2 268
-
-
total
1 504
2 268
-
-
Income
41 000
41 000
41 000
41 000
Total tax
12 927
10 878
17 463
19 159
After tax
28 073
30 122
23 537
21 841
Living cost
8 091
8 091
8 091
8 091
Free-cash
19 982
22 031
15 446
13 750

Estimated living cost  is ₴8091 per week

₴5717
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
₴29660
₴29505
₴28033
₴31071
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
-
-
-
41 000
pensions

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

-
-
-
1 571
unemployment
-
-
-
42
income
-
-
-
6 150
health
-
-
-
1 220
total
-
-
-
8 983
Employee
5 275
-
38 918
-
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
-
3 892
-
total
1 291
-
5 429
-
Employer
5 275
-
38 918
-
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
34 690
41 000
-
-
income
3 469
4 100
-
-
total
3 469
4 100
-
-
Dividends
31 221
36 900
-
-
withholding
1 561
1 845
-
-
total
1 561
1 845
-
-
Income
41 000
41 000
41 000
41 000
Total tax
7 356
5 945
7 511
8 983
After tax
33 644
35 055
33 489
32 017
Living cost
3 984
3 984
3 984
3 984
Free-cash
29 660
31 071
29 505
28 033

Estimated living cost  is ₴3984 per week

₴2326
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
₴12070
₴13543
₴12917
₴10275
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
-
-
-
41 000
income
-
-
-
5 409
other
-
-
-
1 271
health
-
-
-
1 344
social contributions
-
-
-
1 169
pensions
-
-
-
8 501
surtax
-
-
-
-
total
-
-
-
17 694
Employee
12 996
-
32 467
-
pensions
1 469
-
1 952
-
income
767
-
5 658
-
social contributions
371
-
925
-
surtax
-
-
-
-
total
2 607
-
8 535
-
Employer
12 996
-
32 467
-
health
910
-
2 643
-
social contributions
39
-
97
-
pensions
2 135
-
3 341
-
unemployment
526
-
1 315
-
other
448
-
1 137
-
total
4 058
-
8 533
-
Corporate
23 945
41 000
-
-
income
6 705
11 480
-
-
surtax
-
-
-
-
total
6 705
11 480
-
-
Dividends
17 240
29 520
-
-
social contributions
2 965
5 077
-
-
surtax
-
-
-
-
withholding
2 206
3 779
-
-
total
5 171
8 856
-
-
Income
41 000
41 000
41 000
41 000
Total tax
18 541
20 336
17 068
17 694
After tax
22 459
20 664
23 932
23 306
Living cost
10 389
10 389
10 389
10 389
Free-cash
12 070
10 275
13 543
12 917

Estimated living cost  is ₴10389 per week

₴6551
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.
₴2817
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
₴5530
₴11088
₴10783
₴7389
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
-
-
-
41 000
pensions
-
-
-
3 558
income
-
-
-
10 193
health
-
-
-
3 745
total
-
-
-
17 496
Employee
25 932
25 932
35 357
-
health
3 980
3 386
3 745
-
pensions
4 668
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
12 893
11 189
11 548
-
Employer
25 932
25 932
35 357
-
health
1 803
1 803
2 240
-
pensions
1 805
1 805
2 243
-
unemployment
934
934
1 160
-
total
4 542
4 542
5 643
-
Corporate
10 845
10 527
-
-
income
2 169
2 106
-
-
total
2 169
2 106
-
-
Dividends
8 676
8 422
-
-
income
1 844
1 790
-
-
withholding
1 301
1 263
-
-
total
3 145
3 053
-
-
Income
41 000
41 000
41 000
41 000
Total tax
22 749
20 890
17 191
17 496
After tax
18 251
20 110
23 809
23 504
Living cost
12 721
12 721
12 721
12 721
Free-cash
5 530
7 389
11 088
10 783

Estimated living cost  is ₴12721 per week

₴9015
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
₴14859
₴17818
₴13584
₴11501
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.

-
-
-
41 000
trade
-
-
-
4 234
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.

-
-
-
11 288
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.

-
-
-
621
total
-
-
-
18 218
Employee

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

11 615
-
41 000
-
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
-
11 288
-
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
-
621
-
total
2 417
-
13 984
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
29 385
41 000
-
-
income
4 408
6 150
-
-
trade
4 628
6 458
-
-
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.

243
338
-
-
chamber of commerce
88
105
-
-
total
9 367
13 051
-
-
Dividends
20 019
27 949
-
-
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.

269
378
-
-
withholding
4 890
6 872
-
-
total
5 159
7 250
-
-
Income
41 000
41 000
41 000
41 000
Total tax
16 943
20 301
13 984
18 218
After tax
24 057
20 699
27 016
22 782
Living cost
9 198
9 198
9 198
9 198
Free-cash
14 859
11 501
17 818
13 584

Estimated living cost  is ₴9198 per week

₴5786
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1072
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
₴21267
₴21216
₴21619
₴22919
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
-
-
-
41 000
income
-
-
-
6 392
health
-
-
-
1 045
social contributions
-
-
-
4 913
total
-
-
-
12 350
Employee
23 350
23 350
37 689
-
health
181
397
641
-
income
2 542
2 162
6 187
-
social contributions
883
1 938
2 614
-
total
3 606
4 497
9 442
-
Employer
23 350
23 350
37 689
-
health
197
432
697
-
social contributions
883
1 938
2 614
-
total
1 080
2 370
3 311
-
Corporate
29 284
15 280
-
-
income
3 660
1 910
-
-
total
3 660
1 910
-
-
Dividends
25 623
13 370
-
-
withholding
4 356
2 273
-
-
total
4 356
2 273
-
-
Income
41 000
41 000
41 000
41 000
Total tax
12 702
11 050
12 753
12 350
After tax
28 298
29 950
28 247
28 650
Living cost
7 031
7 031
7 031
7 031
Free-cash
21 267
22 919
21 216
21 619

Estimated living cost  is ₴7031 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
₴13490
₴10126
₴12855
₴13796
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.

-
-
-
41 000
income
-
-
-
4 373
social contributions

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

-
-
-
14 247
surtax
-
-
-
-
total
-
-
-
18 620
Employee
13 966
-
33 131
-
income
2 905
-
9 836
-
social contributions
1 536
-
3 644
-
surtax
-
-
-
-
total
4 441
-
13 480
-
Employer
13 966
-
33 131
-
social contributions
3 317
-
7 869
-
total
3 317
-
7 869
-
Corporate
23 717
41 000
-
-
income
4 981
8 610
-
-
surtax
-
-
-
-
total
4 981
8 610
-
-
Dividends
18 736
32 390
-
-
withholding
5 246
9 069
-
-
total
5 246
9 069
-
-
Income
41 000
41 000
41 000
41 000
Total tax
17 985
17 679
21 349
18 620
After tax
23 015
23 321
19 651
22 380
Living cost
9 525
9 525
9 525
9 525
Free-cash
13 490
13 796
10 126
12 855

Estimated living cost  is ₴9525 per week

₴7127
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.
₴1677
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
₴36260
₴30534
₴38324
₴36684
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%.

-
-
-
41 000
microenterprise

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

-
-
-
410
total
-
-
-
410
Employee
2 832
-
41 000
-
income
566
-
8 200
-
total
566
-
8 200
-
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%.

38 168
41 000
-
-
total
-
-
-
-
Dividends
38 168
41 000
-
-
withholding
1 908
2 050
-
-
total
1 908
2 050
-
-
Income
41 000
41 000
41 000
41 000
Total tax
2 474
2 050
8 200
410
After tax
38 526
38 950
32 800
40 590
Living cost
2 266
2 266
2 266
2 266
Free-cash
36 260
36 684
30 534
38 324

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
₴17545
₴11426
₴12514
₴20083
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.

-
-
-
41 000
pensions
-
-
-
7 487
unemployment
-
-
-
62
income
-
-
-
8 758
health
-
-
-
4 034
total
-
-
-
20 341
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.

13 428
-
35 476
-
health
867
-
2 292
-
unemployment
19
-
50
-
pensions
2 081
-
5 499
-
income
2 316
-
8 065
-
total
5 283
-
15 906
-
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.

13 428
-
35 476
-
health
894
-
2 363
-
pensions
1 188
-
3 139
-
unemployment
8
-
21
-
total
2 090
-
5 523
-
Corporate
25 481
41 000
-
-
income
4 841
7 790
-
-
total
4 841
7 790
-
-
Dividends
20 640
33 210
-
-
withholding
3 096
4 982
-
-
total
3 096
4 982
-
-
Income
41 000
41 000
41 000
41 000
Total tax
15 310
12 772
21 429
20 341
After tax
25 690
28 228
19 571
20 659
Living cost
8 145
8 145
8 145
8 145
Free-cash
17 545
20 083
11 426
12 514

Estimated living cost  is ₴8145 per week

₴5590
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
₴15083
₴18891
₴19394
₴14023
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.

-
-
-
41 000
income
-
-
-
8 644
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
-
-
-
10 583
Employee
13 930
-
39 603
-
social contributions
1 396
-
1 397
-
income
1 512
-
8 292
-
total
2 908
-
9 689
-
Employer
13 930
-
39 603
-
social contributions
1 396
-
1 397
-
total
1 396
-
1 397
-
Corporate
25 674
41 000
-
-
income
8 986
14 350
-
-
total
8 986
14 350
-
-
Dividends
16 688
26 650
-
-
social contributions
1 604
1 604
-
-
total
1 604
1 604
-
-
Income
41 000
41 000
41 000
41 000
Total tax
14 894
15 954
11 086
10 583
After tax
26 106
25 046
29 914
30 417
Living cost
11 023
11 023
11 023
11 023
Free-cash
15 083
14 023
18 891
19 394

Estimated living cost  is ₴11023 per week

₴7261
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
₴18732
₴19412
₴19891
₴18574
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
-
-
-
41 000
income
-
-
-
6 150
health
-
-
-
2 862
social contributions
-
-
-
5 658
total
-
-
-
14 670
Employee
10 296
-
41 000
-
health
719
-
2 862
-
income
1 717
-
6 629
-
social contributions
1 421
-
5 658
-
total
3 857
-
15 149
-
Employer
10 296
-
41 000
-
total
-
-
-
-
Corporate
30 704
41 000
-
-
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%.

1 535
2 050
-
-
total
1 535
2 050
-
-
Dividends
29 169
38 950
-
-
social contributions
4 025
5 375
-
-
withholding
4 376
5 843
-
-
health
2 036
2 719
-
-
total
10 437
13 937
-
-
Income
41 000
41 000
41 000
41 000
Total tax
15 829
15 987
15 149
14 670
After tax
25 171
25 013
25 851
26 330
Living cost
6 439
6 439
6 439
6 439
Free-cash
18 732
18 574
19 412
19 891

Estimated living cost  is ₴6439 per week

₴4309
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
₴16700
₴12308
₴13215
₴19731
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
-
-
-
41 000
income
-
-
-
3 831
health
-
-
-
5 535
social contributions
-
-
-
9 922
solidarity contribution
-
-
-
-
total
-
-
-
19 288
Employee
12 495
-
30 597
-
health
1 687
-
4 131
-
solidarity contribution
-
-
-
-
income
1 499
-
3 672
-
social contributions
812
-
1 989
-
total
3 998
-
9 792
-
Employer
12 495
-
30 597
-
health
1 125
-
2 754
-
social contributions
3 124
-
7 649
-
total
4 249
-
10 403
-
Corporate
24 257
41 000
-
-
income
4 609
7 790
-
-
total
4 609
7 790
-
-
Dividends
19 648
33 210
-
-
withholding
2 947
4 982
-
-
total
2 947
4 982
-
-
Income
41 000
41 000
41 000
41 000
Total tax
15 803
12 772
20 195
19 288
After tax
25 197
28 228
20 805
21 712
Living cost
8 497
8 497
8 497
8 497
Free-cash
16 700
19 731
12 308
13 215

Estimated living cost  is ₴8497 per week

₴6319
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.
₴1560
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
₴34757
₴29269
₴37059
₴35419
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%.

-
-
-
41 000
microenterprise

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

-
-
-
410
total
-
-
-
410
Employee
4 414
-
41 000
-
income
883
-
8 200
-
total
883
-
8 200
-
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%.

36 586
41 000
-
-
total
-
-
-
-
Dividends
36 586
41 000
-
-
withholding
1 829
2 050
-
-
total
1 829
2 050
-
-
Income
41 000
41 000
41 000
41 000
Total tax
2 712
2 050
8 200
410
After tax
38 288
38 950
32 800
40 590
Living cost
3 531
3 531
3 531
3 531
Free-cash
34 757
35 419
29 269
37 059

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
₴8087
₴9265
₴8639
₴5997
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
-
-
-
41 000
income
-
-
-
5 409
other
-
-
-
1 271
health
-
-
-
1 344
social contributions
-
-
-
1 169
pensions
-
-
-
8 501
surtax
-
-
-
-
total
-
-
-
17 694
Employee
19 019
-
32 467
-
pensions
2 151
-
1 952
-
income
1 659
-
5 658
-
social contributions
542
-
925
-
surtax
-
-
-
-
total
4 352
-
8 535
-
Employer
19 019
-
32 467
-
health
1 331
-
2 643
-
social contributions
57
-
97
-
pensions
3 125
-
3 341
-
unemployment
770
-
1 315
-
other
656
-
1 137
-
total
5 939
-
8 533
-
Corporate
16 041
41 000
-
-
income
4 491
11 480
-
-
surtax
-
-
-
-
total
4 491
11 480
-
-
Dividends
11 549
29 520
-
-
social contributions
1 986
5 077
-
-
surtax
-
-
-
-
withholding
1 478
3 779
-
-
total
3 464
8 856
-
-
Income
41 000
41 000
41 000
41 000
Total tax
18 246
20 336
17 068
17 694
After tax
22 754
20 664
23 932
23 306
Living cost
14 667
14 667
14 667
14 667
Free-cash
8 087
5 997
9 265
8 639

Estimated living cost  is ₴14667 per week

₴9926
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.
₴3339
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
₴22904
₴18332
₴18333
₴24391
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.

-
-
-
41 000
pensions
-
-
-
5 812
unemployment
-
-
-
335
income
-
-
-
8 987
health
-
-
-
2 302
total
-
-
-
17 436
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.

7 888
-
36 999
-
health
406
-
1 151
-
unemployment
59
-
168
-
pensions
1 104
-
3 130
-
income
1 087
-
8 987
-
total
2 656
-
13 436
-
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.

7 888
-
36 999
-
health
406
-
1 151
-
pensions
947
-
2 682
-
unemployment
59
-
168
-
total
1 412
-
4 001
-
Corporate
31 700
41 000
-
-
income
4 755
6 150
-
-
total
4 755
6 150
-
-
Dividends
26 945
34 850
-
-
withholding
4 042
5 228
-
-
total
4 042
5 228
-
-
Income
41 000
41 000
41 000
41 000
Total tax
12 865
11 378
17 437
17 436
After tax
28 135
29 622
23 563
23 564
Living cost
5 231
5 231
5 231
5 231
Free-cash
22 904
24 391
18 332
18 333

Estimated living cost  is ₴5231 per week

₴3522
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.
₴1153
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
₴6813
₴10672
₴12664
-₴2112
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
-
-
-
41 000
pensions
-
-
-
3 772
city
-
-
-
432
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.

-
-
-
820
health
-
-
-
92
regional
-
-
-
1 848
national
-
-
-
512
total
-
-
-
7 476
Employee
24 411
-
36 698
-
health
55
-
83
-
unemployment
-
-
-
-
city
262
-
394
-
pensions
2 051
-
3 082
-
regional
799
-
1 593
-
national
116
-
417
-
total
3 283
-
5 569
-
Employer
24 411
-
36 698
-
health
55
-
83
-
pensions
2 051
-
3 082
-
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
-
734
-
total
2 594
-
3 899
-
Corporate
13 726
41 000
-
-
regional
2 903
8 672
-
-
national
1 167
3 485
-
-
total
4 070
12 157
-
-
Dividends
9 656
28 843
-
-
withholding
3 380
10 095
-
-
total
3 380
10 095
-
-
Income
41 000
41 000
41 000
41 000
Total tax
13 327
22 252
9 468
7 476
After tax
27 673
18 748
31 532
33 524
Living cost
20 860
20 860
20 860
20 860
Free-cash
6 813
-2 112
10 672
12 664

Estimated living cost  is ₴20860 per week

₴13565
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.
₴5167
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
₴15046
₴10644
₴16266
₴14790
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

-
-
-
41 000
municipal
-
-
-
7 289
health
-
-
-
505
national
-
-
-
5 282
total
-
-
-
13 076
Employee
15 976
-
34 491
-
health
119
-
405
-
unemployment
240
-
517
-
pensions
1 078
-
2 328
-
national
264
-
3 316
-
municipal
2 617
-
5 623
-
total
4 318
-
12 189
-
Employer
15 976
-
34 491
-
health
123
-
266
-
pensions
2 772
-
5 984
-
accident
16
-
35
-
unemployment
104
-
224
-
total
3 015
-
6 509
-
Corporate
22 009
41 000
-
-
income
4 402
8 200
-
-
total
4 402
8 200
-
-
Dividends

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

13 205
24 600
-
-
municipal
2 377
4 428
-
-
national
184
1 924
-
-
total
2 561
6 352
-
-
Income
41 000
41 000
41 000
41 000
Total tax
14 296
14 552
18 698
13 076
After tax
26 704
26 448
22 302
27 924
Living cost
11 658
11 658
11 658
11 658
Free-cash
15 046
14 790
10 644
16 266

Estimated living cost  is ₴11658 per week

₴7615
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1121
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
₴7329
₴4061
₴7105
₴11884
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
-
-
-
41 000
communal

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

-
-
-
2 072
social contributions
-
-
-
6 472
national
-
-
-
14 279
total
-
-
-
22 823
Employee

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

21 721
-
31 755
-
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
-
1 493
-
communal

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

1 133
-
1 656
-
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
-
276
-
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
-
2 382
-
national
6 678
-
10 817
-
total
10 650
-
16 624
-
Employer

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

21 721
-
31 755
-
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
-
1 953
-
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
-
2 813
-
surtax
2 463
-
3 600
-
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
-
413
-
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
-
464
-
total
6 323
-
9 243
-
Corporate
12 956
41 000
-
-
income
2 591
8 200
-
-
surtax
52
164
-
-
total
2 643
8 364
-
-
Dividends
10 313
32 636
-
-
withholding

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

2 983
9 680
-
-
total
2 983
9 680
-
-
Income
41 000
41 000
41 000
41 000
Total tax
22 599
18 044
25 867
22 823
After tax
18 401
22 956
15 133
18 177
Living cost
11 072
11 072
11 072
11 072
Free-cash
7 329
11 884
4 061
7 105

Estimated living cost  is ₴11072 per week

₴7132
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
₴8999
₴8375
₴8728
₴9293
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
-
-
-
41 000
unemployment
-
-
-
29
municipal
-
-
-
9 747
other
-
-
-
3 334
health
-
-
-
1 791
national
-
-
-
1 119
accident
-
-
-
57
pensions
-
-
-
3 102
total
-
-
-
19 179
Employee
18 656
-
31 984
-
national
-
-
978
-
municipal
5 563
-
9 538
-
total
5 563
-
10 516
-
Employer
18 656
-
31 984
-
health
1 147
-
1 765
-
pensions
2 017
-
3 102
-
accident
37
-
57
-
unemployment
493
-
758
-
other
2 168
-
3 334
-
total
5 862
-
9 016
-
Corporate
16 482
41 000
-
-
income
3 626
9 020
-
-
total
3 626
9 020
-
-
Dividends
12 856
31 980
-
-
withholding
3 857
9 594
-
-
total
3 857
9 594
-
-
Income
41 000
41 000
41 000
41 000
Total tax
18 908
18 614
19 532
19 179
After tax
22 092
22 386
21 468
21 821
Living cost
13 093
13 093
13 093
13 093
Free-cash
8 999
9 293
8 375
8 728

Estimated living cost  is ₴13093 per week

₴8677
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.
₴2932
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
-₴8879
₴22165
₴13900
₴10510
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
-
-
-
41 000
income
-
-
-
7 992
social contributions
-
-
-
4 674
total
-
-
-
12 666
Employee
20 697
-
-
-
income
4 565
-
-
-
social contributions
1 697
-
242
-
total
6 262
-
242
-
Employer
20 697
-
-
-
social contributions
29 183
-
4 159
-
total
29 183
-
4 159
-
Corporate
-
41 000
-
-
income
-
9 020
-
-
total
-
9 020
-
-
Dividends
-
31 980
-
-
income
-
7 036
-
-
total
-
7 036
-
-
Income
41 000
41 000
41 000
41 000
Total tax
35 445
16 056
4 401
12 666
After tax
5 555
24 944
36 599
28 334
Living cost
14 434
14 434
14 434
14 434
Free-cash
-8 879
10 510
22 165
13 900

Estimated living cost  is ₴14434 per week

₴9366
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.
₴3527
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
₴18842
₴18398
₴18801
₴20101
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
-
-
-
41 000
income
-
-
-
6 392
health
-
-
-
1 045
social contributions
-
-
-
4 913
total
-
-
-
12 350
Employee
23 350
23 350
37 689
-
health
232
397
641
-
income
2 452
2 162
6 187
-
social contributions
1 135
1 938
2 614
-
total
3 819
4 497
9 442
-
Employer
23 350
23 350
37 689
-
health
253
432
697
-
social contributions
1 135
1 938
2 614
-
total
1 388
2 370
3 311
-
Corporate
25 944
15 280
-
-
income
3 243
1 910
-
-
total
3 243
1 910
-
-
Dividends
22 701
13 370
-
-
withholding
3 859
2 273
-
-
total
3 859
2 273
-
-
Income
41 000
41 000
41 000
41 000
Total tax
12 309
11 050
12 753
12 350
After tax
28 691
29 950
28 247
28 650
Living cost
9 849
9 849
9 849
9 849
Free-cash
18 842
20 101
18 398
18 801

Estimated living cost  is ₴9849 per week

₴6733
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
₴18168
₴13324
₴17094
₴17093
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
-
-
-
41 000
income
-
-
-
10 584
pensions
-
-
-
2 426
total
-
-
-
13 010
Employee
14 956
-
35 914
-
health
195
-
562
-
pensions
1 142
-
3 062
-
income
2 724
-
8 071
-
total
4 061
-
11 695
-
Employer
14 956
-
35 914
-
health
284
-
682
-
pensions
1 511
-
4 403
-
total
1 795
-
5 085
-
Corporate
24 249
41 000
-
-
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.

4 607
7 790
-
-
total
4 607
7 790
-
-
Dividends
19 641
33 210
-
-
withholding
1 473
5 221
-
-
total
1 473
5 221
-
-
Income
41 000
41 000
41 000
41 000
Total tax
11 936
13 011
16 780
13 010
After tax
29 064
27 989
24 220
27 990
Living cost
10 896
10 896
10 896
10 896
Free-cash
18 168
17 093
13 324
17 094

Estimated living cost  is ₴10896 per week

₴7474
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1002
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.
₴2282
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
₴8119
₴5840
₴7715
₴9499
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
-
-
-
41 000
municipal
-
-
-
274
regional
-
-
-
917
social contributions
-
-
-
10 545
national
-
-
-
9 452
total
-
-
-
21 188
Employee
25 589
-
41 000
-
social contributions
8 628
-
13 825
-
regional
386
-
788
-
national
4 324
-
8 206
-
municipal
153
-
244
-
total
13 491
-
23 063
-
Employer
25 589
-
41 000
-
total
-
-
-
-
Corporate
15 411
41 000
-
-
nationa
3 698
9 840
-
-
municipal
743
1 976
-
-
total
4 441
11 816
-
-
Dividends
10 970
29 184
-
-
withholding
2 852
7 588
-
-
total
2 852
7 588
-
-
Income
41 000
41 000
41 000
41 000
Total tax
20 784
19 404
23 063
21 188
After tax
20 216
21 596
17 937
19 812
Living cost
12 097
12 097
12 097
12 097
Free-cash
8 119
9 499
5 840
7 715

Estimated living cost  is ₴12097 per week

₴8498
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
₴2316
₴15312
₴21516
-₴3233
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
-
-
-
41 000
pensions
-
-
-
1 239
income
-
-
-
10 856
other
-
-
-
110
health
-
-
-
650
accident
-
-
-
75
total
-
-
-
12 930
Employee
10 309
-
36 226
-
health
1 180
-
4 148
-
pensions
1 161
-
2 273
-
income
1 414
-
7 938
-
total
3 755
-
14 359
-
Employer
10 309
-
36 226
-
pensions
1 676
-
3 282
-
accident
172
-
605
-
unemployment
253
-
888
-
total
2 101
-
4 775
-
Corporate
28 589
41 000
-
-
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.

25 731
36 900
-
-
total
25 731
36 900
-
-
Dividends
2 859
4 100
-
-
withholding
543
779
-
-
total
543
779
-
-
Income
41 000
41 000
41 000
41 000
Total tax
32 130
37 679
19 134
12 930
After tax
8 870
3 321
21 866
28 070
Living cost
6 554
6 554
6 554
6 554
Free-cash
2 316
-3 233
15 312
21 516

Estimated living cost  is ₴6554 per week

₴4803
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
₴13370
₴15292
₴11435
₴9397
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.

-
-
-
41 000
trade
-
-
-
3 857
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.

-
-
-
11 288
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.

-
-
-
621
total
-
-
-
17 841
Employee

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

15 109
-
41 000
-
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.

1 242
-
11 288
-
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
-
621
-
total
3 386
-
13 984
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
25 891
41 000
-
-
income
3 883
6 150
-
-
trade
3 715
5 884
-
-
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.

214
338
-
-
chamber of commerce
84
106
-
-
total
7 896
12 478
-
-
Dividends
17 994
28 522
-
-
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.

241
386
-
-
withholding
4 383
7 015
-
-
total
4 624
7 401
-
-
Income
41 000
41 000
41 000
41 000
Total tax
15 906
19 879
13 984
17 841
After tax
25 094
21 121
27 016
23 159
Living cost
11 724
11 724
11 724
11 724
Free-cash
13 370
9 397
15 292
11 435

Estimated living cost  is ₴11724 per week

₴8087
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1261
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
₴23991
₴16672
₴6184
₴26482
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.

-
-
-
41 000
income
-
-
-
6 408
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.

-
-
-
11 635
surtax
-
-
-
10 455
total
-
-
-
28 498
Employee
8 873
-
33 041
-
income
1 580
-
6 418
-
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
-
3 634
-
surtax
-
-
-
-
total
2 556
-
10 052
-
Employer
8 873
-
33 041
-
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.

2 137
-
7 959
-
surtax
-
-
-
-
total
2 137
-
7 959
-
Corporate
29 989
41 000
-
-
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%.

5 998
8 200
-
-
total
5 998
8 200
-
-
Dividends

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

23 992
32 800
-
-
total
-
-
-
-
Income
41 000
41 000
41 000
41 000
Total tax
10 691
8 200
18 011
28 498
After tax
30 309
32 800
22 989
12 502
Living cost
6 318
6 318
6 318
6 318
Free-cash
23 991
26 482
16 672
6 184

Estimated living cost  is ₴6318 per week

₴4030
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.
₴143
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
₴21100
₴20262
₴20536
₴21732
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
-
-
-
41 000
income
-
-
-
11 765
health
-
-
-
2 037
pensions
-
-
-
2 810
total
-
-
-
16 612
Employee
5 867
-
37 839
-
health
293
-
702
-
unemployment
59
-
141
-
pensions
528
-
1 264
-
income
1 135
-
11 618
-
total
2 015
-
13 725
-
Employer
5 867
-
37 839
-
health
557
-
1 335
-
pensions
645
-
1 545
-
unemployment
117
-
281
-
total
1 319
-
3 161
-
Corporate
33 813
41 000
-
-
income
7 439
9 020
-
-
total
7 439
9 020
-
-
Dividends
26 374
31 980
-
-
withholding
5 275
6 396
-
-
total
5 275
6 396
-
-
Income
41 000
41 000
41 000
41 000
Total tax
16 048
15 416
16 886
16 612
After tax
24 952
25 584
24 114
24 388
Living cost
3 852
3 852
3 852
3 852
Free-cash
21 100
21 732
20 262
20 536

Estimated living cost  is ₴3852 per week

₴2289
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.
₴1162
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
₴18004
₴11893
₴12633
₴18968
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
-
-
-
41 000
pensions
-
-
-
8 106
unemployment
-
-
-
69
income
-
-
-
9 212
other
-
-
-
-
health
-
-
-
2 877
surtax
-
-
-
1 282
total
-
-
-
21 546
Employee
10 226
-
33 871
-
health
261
-
864
-
unemployment
712
-
2 357
-
pensions
682
-
2 259
-
income
1 714
-
8 511
-
other
-
-
-
-
surtax
36
-
1 165
-
total
3 405
-
15 156
-
Employer
10 226
-
33 871
-
health
465
-
1 541
-
pensions
1 363
-
4 515
-
unemployment
324
-
1 074
-
other
-
-
-
-
total
2 152
-
7 130
-
Corporate
28 621
41 000
-
-
income
7 441
10 660
-
-
total
7 441
10 660
-
-
Dividends
21 180
30 340
-
-
withholding
3 177
4 551
-
-
total
3 177
4 551
-
-
Income
41 000
41 000
41 000
41 000
Total tax
16 175
15 211
22 286
21 546
After tax
24 825
25 789
18 714
19 454
Living cost
6 821
6 821
6 821
6 821
Free-cash
18 004
18 968
11 893
12 633

Estimated living cost  is ₴6821 per week

₴4118
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
₴13002
₴1393
₴11098
₴13149
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
-
-
-
41 000
pensions
-
-
-
6 563
chamber of commerce
-
-
-
164
unemployment
-
-
-
1 862
income
-
-
-