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
₴ 44000
per

Your estimated
City
free-cash

Valencia , Spain
₴19672
₴15069
₴16449
₴21094
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
-
-
-
44 000
unemployment
-
-
-
197
income
-
-
-
10 757
other
-
-
-
28
accident
-
-
-
254
pensions
-
-
-
7 965
total
-
-
-
19 201
Employee
11 228
-
35 027
-
unemployment
174
-
436
-
pensions
528
-
1 323
-
income
2 165
-
9 821
-
other
11
-
28
-
total
2 878
-
11 608
-
Employer
11 228
-
35 027
-
pensions
2 650
-
6 643
-
accident
222
-
557
-
unemployment
618
-
1 548
-
other
90
-
225
-
total
3 580
-
8 973
-
Corporate
29 192
44 000
-
-
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.

4 379
6 600
-
-
total
4 379
6 600
-
-
Dividends
24 813
37 400
-
-
withholding
5 141
7 956
-
-
total
5 141
7 956
-
-
Income
44 000
44 000
44 000
44 000
Total tax
15 978
14 556
20 581
19 201
After tax
28 022
29 444
23 419
24 799
Living cost
8 350
8 350
8 350
8 350
Free-cash
19 672
21 094
15 069
16 449

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
₴22186
₴17073
₴15254
₴24236
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
-
-
-
44 000
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.

-
-
-
10 560
income
-
-
-
6 069
other
-
-
-
2 090
health
-
-
-
1 936
total
-
-
-
20 655
Employee
11 026
-
35 143
-
health
154
-
492
-
unemployment
110
-
352
-
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
-
2 460
-
income
1 898
-
6 675
-
total
2 934
-
9 979
-
Employer
11 026
-
35 143
-
health
154
-
492
-
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
-
5 975
-
accident
88
-
281
-
unemployment
110
-
352
-
other
551
-
1 757
-
total
2 778
-
8 857
-
Corporate
30 196
44 000
-
-
income
6 341
9 240
-
-
total
6 341
9 240
-
-
Dividends
23 854
34 760
-
-
withholding
1 670
2 433
-
-
total
1 670
2 433
-
-
Income
44 000
44 000
44 000
44 000
Total tax
13 723
11 673
18 836
20 655
After tax
30 277
32 327
25 164
23 345
Living cost
8 091
8 091
8 091
8 091
Free-cash
22 186
24 236
17 073
15 254

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
₴32225
₴32205
₴30583
₴33636
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
-
-
-
44 000
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
-
-
-
6 600
health
-
-
-
1 220
total
-
-
-
9 433
Employee
5 275
-
41 918
-
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
-
4 192
-
total
1 291
-
5 729
-
Employer
5 275
-
41 918
-
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
37 690
44 000
-
-
income
3 769
4 400
-
-
total
3 769
4 400
-
-
Dividends
33 921
39 600
-
-
withholding
1 696
1 980
-
-
total
1 696
1 980
-
-
Income
44 000
44 000
44 000
44 000
Total tax
7 791
6 380
7 811
9 433
After tax
36 209
37 620
36 189
34 567
Living cost
3 984
3 984
3 984
3 984
Free-cash
32 225
33 636
32 205
30 583

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
₴13582
₴14853
₴14559
₴11787
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
-
-
-
44 000
income
-
-
-
6 119
other
-
-
-
1 364
health
-
-
-
1 565
social contributions
-
-
-
1 253
pensions
-
-
-
8 751
surtax
-
-
-
-
total
-
-
-
19 052
Employee
12 996
-
34 625
-
pensions
1 469
-
2 170
-
income
767
-
6 225
-
social contributions
371
-
987
-
surtax
-
-
-
-
total
2 607
-
9 382
-
Employer
12 996
-
34 625
-
health
910
-
2 923
-
social contributions
39
-
104
-
pensions
2 135
-
3 697
-
unemployment
526
-
1 402
-
other
448
-
1 250
-
total
4 058
-
9 376
-
Corporate
26 945
44 000
-
-
income
7 544
12 320
-
-
surtax
-
-
-
-
total
7 544
12 320
-
-
Dividends
19 401
31 680
-
-
social contributions
3 337
5 449
-
-
surtax
-
-
-
-
withholding
2 483
4 055
-
-
total
5 820
9 504
-
-
Income
44 000
44 000
44 000
44 000
Total tax
20 029
21 824
18 758
19 052
After tax
23 971
22 176
25 242
24 948
Living cost
10 389
10 389
10 389
10 389
Free-cash
13 582
11 787
14 853
14 559

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
₴7060
₴13739
₴12230
₴8919
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
-
-
-
44 000
pensions
-
-
-
3 558
income
-
-
-
11 746
health
-
-
-
3 745
total
-
-
-
19 049
Employee
25 932
25 932
38 357
-
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
4 594
-
total
12 893
11 189
11 897
-
Employer
25 932
25 932
38 357
-
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
13 845
13 527
-
-
income
2 769
2 706
-
-
total
2 769
2 706
-
-
Dividends
11 077
10 822
-
-
income
2 354
2 300
-
-
withholding
1 661
1 623
-
-
total
4 015
3 923
-
-
Income
44 000
44 000
44 000
44 000
Total tax
24 219
22 360
17 540
19 049
After tax
19 781
21 640
26 460
24 951
Living cost
12 721
12 721
12 721
12 721
Free-cash
7 060
8 919
13 739
12 230

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
₴16369
₴19488
₴14782
₴13010
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.

-
-
-
44 000
trade
-
-
-
4 706
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.

-
-
-
12 549
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.

-
-
-
690
total
-
-
-
20 020
Employee

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

11 615
-
44 000
-
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
-
12 549
-
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
-
690
-
total
2 417
-
15 314
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
32 385
44 000
-
-
income
4 858
6 600
-
-
trade
5 100
6 930
-
-
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.

267
363
-
-
chamber of commerce
93
109
-
-
total
10 318
14 002
-
-
Dividends
22 067
29 997
-
-
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.

297
406
-
-
withholding
5 401
7 384
-
-
total
5 698
7 790
-
-
Income
44 000
44 000
44 000
44 000
Total tax
18 433
21 792
15 314
20 020
After tax
25 567
22 208
28 686
23 980
Living cost
9 198
9 198
9 198
9 198
Free-cash
16 369
13 010
19 488
14 782

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
₴23445
₴23106
₴23519
₴25098
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
-
-
-
44 000
income
-
-
-
7 415
health
-
-
-
1 122
social contributions
-
-
-
4 913
total
-
-
-
13 450
Employee
23 350
23 350
40 634
-
health
181
397
691
-
income
2 542
2 162
7 193
-
social contributions
883
1 938
2 614
-
total
3 606
4 497
10 498
-
Employer
23 350
23 350
40 634
-
health
197
432
751
-
social contributions
883
1 938
2 614
-
total
1 080
2 370
3 365
-
Corporate
32 284
18 280
-
-
income
4 036
2 285
-
-
total
4 036
2 285
-
-
Dividends
28 248
15 995
-
-
withholding
4 802
2 719
-
-
total
4 802
2 719
-
-
Income
44 000
44 000
44 000
44 000
Total tax
13 524
11 871
13 863
13 450
After tax
30 476
32 129
30 137
30 550
Living cost
7 031
7 031
7 031
7 031
Free-cash
23 445
25 098
23 106
23 519

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
₴15197
₴11312
₴14366
₴15502
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.

-
-
-
44 000
income
-
-
-
4 819
social contributions

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

-
-
-
15 290
surtax
-
-
-
-
total
-
-
-
20 109
Employee
13 966
-
35 555
-
income
2 905
-
10 807
-
social contributions
1 536
-
3 911
-
surtax
-
-
-
-
total
4 441
-
14 718
-
Employer
13 966
-
35 555
-
social contributions
3 317
-
8 445
-
total
3 317
-
8 445
-
Corporate
26 717
44 000
-
-
income
5 610
9 240
-
-
surtax
-
-
-
-
total
5 610
9 240
-
-
Dividends
21 106
34 760
-
-
withholding
5 910
9 733
-
-
total
5 910
9 733
-
-
Income
44 000
44 000
44 000
44 000
Total tax
19 278
18 973
23 163
20 109
After tax
24 722
25 027
20 837
23 891
Living cost
9 525
9 525
9 525
9 525
Free-cash
15 197
15 502
11 312
14 366

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
₴39110
₴32934
₴41294
₴39534
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%.

-
-
-
44 000
microenterprise

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

-
-
-
440
total
-
-
-
440
Employee
2 832
-
44 000
-
income
566
-
8 800
-
total
566
-
8 800
-
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%.

41 168
44 000
-
-
total
-
-
-
-
Dividends
41 168
44 000
-
-
withholding
2 058
2 200
-
-
total
2 058
2 200
-
-
Income
44 000
44 000
44 000
44 000
Total tax
2 624
2 200
8 800
440
After tax
41 376
41 800
35 200
43 560
Living cost
2 266
2 266
2 266
2 266
Free-cash
39 110
39 534
32 934
41 294

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
₴19610
₴12662
₴13827
₴22149
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.

-
-
-
44 000
pensions
-
-
-
8 035
unemployment
-
-
-
66
income
-
-
-
9 597
health
-
-
-
4 330
total
-
-
-
22 028
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
-
38 072
-
health
867
-
2 459
-
unemployment
19
-
53
-
pensions
2 081
-
5 901
-
income
2 316
-
8 852
-
total
5 283
-
17 265
-
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
-
38 072
-
health
894
-
2 536
-
pensions
1 188
-
3 369
-
unemployment
8
-
23
-
total
2 090
-
5 928
-
Corporate
28 481
44 000
-
-
income
5 412
8 360
-
-
total
5 412
8 360
-
-
Dividends
23 070
35 640
-
-
withholding
3 460
5 346
-
-
total
3 460
5 346
-
-
Income
44 000
44 000
44 000
44 000
Total tax
16 245
13 706
23 193
22 028
After tax
27 755
30 294
20 807
21 972
Living cost
8 145
8 145
8 145
8 145
Free-cash
19 610
22 149
12 662
13 827

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
₴17033
₴20841
₴22394
₴15973
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.

-
-
-
44 000
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
-
42 603
-
social contributions
1 396
-
1 397
-
income
1 512
-
9 342
-
total
2 908
-
10 739
-
Employer
13 930
-
42 603
-
social contributions
1 396
-
1 397
-
total
1 396
-
1 397
-
Corporate
28 674
44 000
-
-
income
10 036
15 400
-
-
total
10 036
15 400
-
-
Dividends
18 638
28 600
-
-
social contributions
1 604
1 604
-
-
total
1 604
1 604
-
-
Income
44 000
44 000
44 000
44 000
Total tax
15 944
17 004
12 136
10 583
After tax
28 056
26 996
31 864
33 417
Living cost
11 023
11 023
11 023
11 023
Free-cash
17 033
15 973
20 841
22 394

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
₴20562
₴21189
₴21818
₴20405
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
-
-
-
44 000
income
-
-
-
6 600
health
-
-
-
3 071
social contributions
-
-
-
6 072
total
-
-
-
15 743
Employee
10 296
-
44 000
-
health
719
-
3 071
-
income
1 717
-
7 229
-
social contributions
1 421
-
6 072
-
total
3 857
-
16 372
-
Employer
10 296
-
44 000
-
total
-
-
-
-
Corporate
33 704
44 000
-
-
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%.

1 685
2 200
-
-
total
1 685
2 200
-
-
Dividends
32 019
41 800
-
-
social contributions
4 419
5 768
-
-
withholding
4 803
6 270
-
-
health
2 235
2 918
-
-
total
11 457
14 956
-
-
Income
44 000
44 000
44 000
44 000
Total tax
16 999
17 156
16 372
15 743
After tax
27 001
26 844
27 628
28 257
Living cost
6 439
6 439
6 439
6 439
Free-cash
20 562
20 405
21 189
21 818

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
₴18765
₴13832
₴15420
₴21797
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
-
-
-
44 000
income
-
-
-
4 221
health
-
-
-
5 940
social contributions
-
-
-
9 922
solidarity contribution
-
-
-
-
total
-
-
-
20 083
Employee
12 495
-
32 836
-
health
1 687
-
4 433
-
solidarity contribution
-
-
-
-
income
1 499
-
3 940
-
social contributions
812
-
2 134
-
total
3 998
-
10 507
-
Employer
12 495
-
32 836
-
health
1 125
-
2 955
-
social contributions
3 124
-
8 209
-
total
4 249
-
11 164
-
Corporate
27 257
44 000
-
-
income
5 179
8 360
-
-
total
5 179
8 360
-
-
Dividends
22 078
35 640
-
-
withholding
3 312
5 346
-
-
total
3 312
5 346
-
-
Income
44 000
44 000
44 000
44 000
Total tax
16 738
13 706
21 671
20 083
After tax
27 262
30 294
22 329
23 917
Living cost
8 497
8 497
8 497
8 497
Free-cash
18 765
21 797
13 832
15 420

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
₴37607
₴31669
₴40029
₴38269
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%.

-
-
-
44 000
microenterprise

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

-
-
-
440
total
-
-
-
440
Employee
4 414
-
44 000
-
income
883
-
8 800
-
total
883
-
8 800
-
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%.

39 586
44 000
-
-
total
-
-
-
-
Dividends
39 586
44 000
-
-
withholding
1 979
2 200
-
-
total
1 979
2 200
-
-
Income
44 000
44 000
44 000
44 000
Total tax
2 862
2 200
8 800
440
After tax
41 138
41 800
35 200
43 560
Living cost
3 531
3 531
3 531
3 531
Free-cash
37 607
38 269
31 669
40 029

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
₴9597
₴10575
₴10281
₴7509
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
-
-
-
44 000
income
-
-
-
6 119
other
-
-
-
1 364
health
-
-
-
1 565
social contributions
-
-
-
1 253
pensions
-
-
-
8 751
surtax
-
-
-
-
total
-
-
-
19 052
Employee
19 019
-
34 625
-
pensions
2 151
-
2 170
-
income
1 659
-
6 225
-
social contributions
542
-
987
-
surtax
-
-
-
-
total
4 352
-
9 382
-
Employer
19 019
-
34 625
-
health
1 331
-
2 923
-
social contributions
57
-
104
-
pensions
3 125
-
3 697
-
unemployment
770
-
1 402
-
other
656
-
1 250
-
total
5 939
-
9 376
-
Corporate
19 041
44 000
-
-
income
5 332
12 320
-
-
surtax
-
-
-
-
total
5 332
12 320
-
-
Dividends
13 709
31 680
-
-
social contributions
2 358
5 449
-
-
surtax
-
-
-
-
withholding
1 755
4 055
-
-
total
4 113
9 504
-
-
Income
44 000
44 000
44 000
44 000
Total tax
19 736
21 824
18 758
19 052
After tax
24 264
22 176
25 242
24 948
Living cost
14 667
14 667
14 667
14 667
Free-cash
9 597
7 509
10 575
10 281

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
₴25072
₴20582
₴20583
₴26559
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.

-
-
-
44 000
pensions
-
-
-
5 812
unemployment
-
-
-
335
income
-
-
-
9 737
health
-
-
-
2 302
total
-
-
-
18 186
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
-
39 999
-
health
406
-
1 151
-
unemployment
59
-
168
-
pensions
1 104
-
3 130
-
income
1 087
-
9 737
-
total
2 656
-
14 186
-
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
-
39 999
-
health
406
-
1 151
-
pensions
947
-
2 682
-
unemployment
59
-
168
-
total
1 412
-
4 001
-
Corporate
34 700
44 000
-
-
income
5 205
6 600
-
-
total
5 205
6 600
-
-
Dividends
29 495
37 400
-
-
withholding
4 424
5 610
-
-
total
4 424
5 610
-
-
Income
44 000
44 000
44 000
44 000
Total tax
13 697
12 210
18 187
18 186
After tax
30 303
31 790
25 813
25 814
Living cost
5 231
5 231
5 231
5 231
Free-cash
25 072
26 559
20 582
20 583

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
₴8185
₴12861
₴14994
-₴740
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
-
-
-
44 000
pensions
-
-
-
4 048
city
-
-
-
464
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.

-
-
-
880
health
-
-
-
99
regional
-
-
-
2 060
national
-
-
-
595
total
-
-
-
8 146
Employee
24 411
-
39 382
-
health
55
-
88
-
unemployment
-
-
-
-
city
262
-
423
-
pensions
2 051
-
3 308
-
regional
799
-
1 787
-
national
116
-
489
-
total
3 283
-
6 095
-
Employer
24 411
-
39 382
-
health
55
-
88
-
pensions
2 051
-
3 308
-
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
-
788
-
total
2 594
-
4 184
-
Corporate
16 726
44 000
-
-
regional
3 538
9 306
-
-
national
1 422
3 740
-
-
total
4 960
13 046
-
-
Dividends
11 767
30 954
-
-
withholding
4 118
10 834
-
-
total
4 118
10 834
-
-
Income
44 000
44 000
44 000
44 000
Total tax
14 955
23 880
10 279
8 146
After tax
29 045
20 120
33 721
35 854
Living cost
20 860
20 860
20 860
20 860
Free-cash
8 185
-740
12 861
14 994

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
₴17014
₴12026
₴18060
₴16503
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

-
-
-
44 000
municipal
-
-
-
7 821
health
-
-
-
551
national
-
-
-
5 910
total
-
-
-
14 282
Employee
15 976
-
37 015
-
health
119
-
443
-
unemployment
240
-
556
-
pensions
1 078
-
2 499
-
national
264
-
3 800
-
municipal
2 617
-
6 033
-
total
4 318
-
13 331
-
Employer
15 976
-
37 015
-
health
123
-
285
-
pensions
2 772
-
6 422
-
accident
16
-
37
-
unemployment
104
-
241
-
total
3 015
-
6 985
-
Corporate
25 009
44 000
-
-
income
5 002
8 800
-
-
total
5 002
8 800
-
-
Dividends

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

15 005
26 400
-
-
municipal
2 701
4 752
-
-
national
292
2 287
-
-
total
2 993
7 039
-
-
Income
44 000
44 000
44 000
44 000
Total tax
15 328
15 839
20 316
14 282
After tax
28 672
28 161
23 684
29 718
Living cost
11 658
11 658
11 658
11 658
Free-cash
17 014
16 503
12 026
18 060

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
₴9000
₴4949
₴8239
₴13555
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
-
-
-
44 000
communal

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

-
-
-
2 226
social contributions
-
-
-
6 897
national
-
-
-
15 566
total
-
-
-
24 689
Employee

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

21 721
-
34 080
-
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
-
1 601
-
communal

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

1 133
-
1 778
-
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
-
297
-
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
-
2 556
-
national
6 678
-
11 827
-
total
10 650
-
18 059
-
Employer

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

21 721
-
34 080
-
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
-
2 096
-
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
-
3 020
-
surtax
2 463
-
3 864
-
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
-
443
-
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
-
497
-
total
6 323
-
9 920
-
Corporate
15 956
44 000
-
-
income
3 191
8 800
-
-
surtax
64
176
-
-
total
3 255
8 976
-
-
Dividends
12 701
35 024
-
-
withholding

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

3 700
10 397
-
-
total
3 700
10 397
-
-
Income
44 000
44 000
44 000
44 000
Total tax
23 928
19 373
27 979
24 689
After tax
20 072
24 627
16 021
19 311
Living cost
11 072
11 072
11 072
11 072
Free-cash
9 000
13 555
4 949
8 239

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
₴10637
₴9881
₴10233
₴10931
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
-
-
-
44 000
unemployment
-
-
-
29
municipal
-
-
-
10 642
other
-
-
-
3 334
health
-
-
-
1 791
national
-
-
-
1 719
accident
-
-
-
57
pensions
-
-
-
3 102
total
-
-
-
20 674
Employee
18 656
-
34 984
-
national
-
-
1 578
-
municipal
5 563
-
10 432
-
total
5 563
-
12 010
-
Employer
18 656
-
34 984
-
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
19 482
44 000
-
-
income
4 286
9 680
-
-
total
4 286
9 680
-
-
Dividends
15 196
34 320
-
-
withholding
4 559
10 296
-
-
total
4 559
10 296
-
-
Income
44 000
44 000
44 000
44 000
Total tax
20 270
19 976
21 026
20 674
After tax
23 730
24 024
22 974
23 326
Living cost
13 093
13 093
13 093
13 093
Free-cash
10 637
10 931
9 881
10 233

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
-₴5879
₴25165
₴15974
₴12336
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
-
-
-
44 000
income
-
-
-
8 576
social contributions
-
-
-
5 016
total
-
-
-
13 592
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
-
44 000
-
-
income
-
9 680
-
-
total
-
9 680
-
-
Dividends
-
34 320
-
-
income
-
7 550
-
-
total
-
7 550
-
-
Income
44 000
44 000
44 000
44 000
Total tax
35 445
17 230
4 401
13 592
After tax
8 555
26 770
39 599
30 408
Living cost
14 434
14 434
14 434
14 434
Free-cash
-5 879
12 336
25 165
15 974

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
₴21021
₴20288
₴20701
₴22280
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
-
-
-
44 000
income
-
-
-
7 415
health
-
-
-
1 122
social contributions
-
-
-
4 913
total
-
-
-
13 450
Employee
23 350
23 350
40 634
-
health
232
397
691
-
income
2 452
2 162
7 193
-
social contributions
1 135
1 938
2 614
-
total
3 819
4 497
10 498
-
Employer
23 350
23 350
40 634
-
health
253
432
751
-
social contributions
1 135
1 938
2 614
-
total
1 388
2 370
3 365
-
Corporate
28 944
18 280
-
-
income
3 618
2 285
-
-
total
3 618
2 285
-
-
Dividends
25 326
15 995
-
-
withholding
4 305
2 719
-
-
total
4 305
2 719
-
-
Income
44 000
44 000
44 000
44 000
Total tax
13 130
11 871
13 863
13 450
After tax
30 870
32 129
30 137
30 550
Living cost
9 849
9 849
9 849
9 849
Free-cash
21 021
22 280
20 288
20 701

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
₴20416
₴14833
₴18858
₴18733
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
-
-
-
44 000
income
-
-
-
11 761
pensions
-
-
-
2 485
total
-
-
-
14 246
Employee
14 956
-
38 508
-
health
195
-
588
-
pensions
1 142
-
3 113
-
income
2 724
-
9 077
-
total
4 061
-
12 778
-
Employer
14 956
-
38 508
-
health
284
-
732
-
pensions
1 511
-
4 761
-
total
1 795
-
5 493
-
Corporate
27 249
44 000
-
-
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.

5 177
8 360
-
-
total
5 177
8 360
-
-
Dividends
22 071
35 640
-
-
withholding
1 655
6 011
-
-
total
1 655
6 011
-
-
Income
44 000
44 000
44 000
44 000
Total tax
12 688
14 371
18 271
14 246
After tax
31 312
29 629
25 729
29 754
Living cost
10 896
10 896
10 896
10 896
Free-cash
20 416
18 733
14 833
18 858

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
₴9699
₴6977
₴8966
₴11079
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
-
-
-
44 000
municipal
-
-
-
294
regional
-
-
-
997
social contributions
-
-
-
11 317
national
-
-
-
10 329
total
-
-
-
22 937
Employee
25 589
-
44 000
-
social contributions
8 628
-
14 837
-
regional
386
-
866
-
national
4 324
-
8 961
-
municipal
153
-
262
-
total
13 491
-
24 926
-
Employer
25 589
-
44 000
-
total
-
-
-
-
Corporate
18 411
44 000
-
-
nationa
4 419
10 560
-
-
municipal
887
2 121
-
-
total
5 306
12 681
-
-
Dividends
13 105
31 319
-
-
withholding
3 407
8 143
-
-
total
3 407
8 143
-
-
Income
44 000
44 000
44 000
44 000
Total tax
22 204
20 824
24 926
22 937
After tax
21 796
23 176
19 074
21 063
Living cost
12 097
12 097
12 097
12 097
Free-cash
9 699
11 079
6 977
8 966

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
₴2560
₴17048
₴23556
-₴2990
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
-
-
-
44 000
pensions
-
-
-
1 239
income
-
-
-
11 816
other
-
-
-
110
health
-
-
-
650
accident
-
-
-
75
total
-
-
-
13 890
Employee
10 309
-
39 107
-
health
1 180
-
4 478
-
pensions
1 161
-
2 273
-
income
1 414
-
8 754
-
total
3 755
-
15 505
-
Employer
10 309
-
39 107
-
pensions
1 676
-
3 282
-
accident
172
-
653
-
unemployment
253
-
958
-
total
2 101
-
4 893
-
Corporate
31 589
44 000
-
-
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.

28 430
39 600
-
-
total
28 430
39 600
-
-
Dividends
3 159
4 400
-
-
withholding
600
836
-
-
total
600
836
-
-
Income
44 000
44 000
44 000
44 000
Total tax
34 886
40 436
20 398
13 890
After tax
9 114
3 564
23 602
30 110
Living cost
6 554
6 554
6 554
6 554
Free-cash
2 560
-2 990
17 048
23 556

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
₴14907
₴16962
₴12674
₴10937
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.

-
-
-
44 000
trade
-
-
-
4 288
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.

-
-
-
12 549
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.

-
-
-
690
total
-
-
-
19 602
Employee

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

15 109
-
44 000
-
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
-
12 549
-
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
-
690
-
total
3 386
-
15 314
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
28 891
44 000
-
-
income
4 333
6 600
-
-
trade
4 146
6 314
-
-
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.

239
363
-
-
chamber of commerce
89
111
-
-
total
8 807
13 388
-
-
Dividends
20 084
30 612
-
-
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.

270
414
-
-
withholding
4 906
7 537
-
-
total
5 176
7 951
-
-
Income
44 000
44 000
44 000
44 000
Total tax
17 369
21 339
15 314
19 602
After tax
26 631
22 661
28 686
24 398
Living cost
11 724
11 724
11 724
11 724
Free-cash
14 907
10 937
16 962
12 674

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
₴26391
₴20654
₴7730
₴28882
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.

-
-
-
44 000
income
-
-
-
7 098
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
-
-
-
11 220
total
-
-
-
29 953
Employee
8 873
-
31 270
-
income
1 580
-
6 055
-
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
-
3 440
-
surtax
-
-
-
-
total
2 556
-
9 495
-
Employer
8 873
-
31 270
-
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
-
7 533
-
surtax
-
-
-
-
total
2 137
-
7 533
-
Corporate
32 989
44 000
-
-
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%.

6 598
8 800
-
-
total
6 598
8 800
-
-
Dividends

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

26 392
35 200
-
-
total
-
-
-
-
Income
44 000
44 000
44 000
44 000
Total tax
11 291
8 800
17 028
29 953
After tax
32 709
35 200
26 972
14 047
Living cost
6 318
6 318
6 318
6 318
Free-cash
26 391
28 882
20 654
7 730

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
₴22972
₴22212
₴22486
₴23604
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
-
-
-
44 000
income
-
-
-
12 815
health
-
-
-
2 037
pensions
-
-
-
2 810
total
-
-
-
17 662
Employee
5 867
-
40 839
-
health
293
-
702
-
unemployment
59
-
141
-
pensions
528
-
1 264
-
income
1 135
-
12 668
-
total
2 015
-
14 775
-
Employer
5 867
-
40 839
-
health
557
-
1 335
-
pensions
645
-
1 545
-
unemployment
117
-
281
-
total
1 319
-
3 161
-
Corporate
36 813
44 000
-
-
income
8 099
9 680
-
-
total
8 099
9 680
-
-
Dividends
28 714
34 320
-
-
withholding
5 743
6 864
-
-
total
5 743
6 864
-
-
Income
44 000
44 000
44 000
44 000
Total tax
17 176
16 544
17 936
17 662
After tax
26 824
27 456
26 064
26 338
Living cost
3 852
3 852
3 852
3 852
Free-cash
22 972
23 604
22 212
22 486

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
₴19890
₴12880
₴14059
₴20855
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
-
-
-
44 000
pensions
-
-
-
8 106
unemployment
-
-
-
69
income
-
-
-
10 562
other
-
-
-
-
health
-
-
-
2 877
surtax
-
-
-
1 506
total
-
-
-
23 120
Employee
10 226
-
36 348
-
health
261
-
927
-
unemployment
712
-
2 530
-
pensions
682
-
2 424
-
income
1 714
-
9 446
-
other
-
-
-
-
surtax
36
-
1 320
-
total
3 405
-
16 647
-
Employer
10 226
-
36 348
-
health
465
-
1 654
-
pensions
1 363
-
4 845
-
unemployment
324
-
1 153
-
other
-
-
-
-
total
2 152
-
7 652
-
Corporate
31 621
44 000
-
-
income
8 222
11 440
-
-
total
8 222
11 440
-
-
Dividends
23 399
32 560
-
-
withholding
3 510
4 884
-
-
total
3 510
4 884
-
-
Income
44 000
44 000
44 000
44 000
Total tax
17 289
16 324
24 299
23 120
After tax
26 711
27 676
19 701
20 880
Living cost
6 821
6 821
6 821
6 821
Free-cash
19 890
20 855
12 880
14 059

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
₴14632
₴1916
₴12826
₴14780
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
-
-
-
44 000
pensions
-
-
-
6 563
chamber of commerce
-
-
-
176
unemployment
-
-
-
1 862
income
-
-
- <