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
₴ 81000
per

Your estimated
City
free-cash

Valencia , Spain
₴43968
₴35524
₴36798
₴45308
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
-
-
-
81 000
unemployment
-
-
-
197
income
-
-
-
27 405
other
-
-
-
28
accident
-
-
-
254
pensions
-
-
-
7 966
total
-
-
-
35 850
Employee
11 230
-
72 025
-
unemployment
174
-
436
-
pensions
528
-
1 323
-
income
2 165
-
26 363
-
other
11
-
28
-
total
2 878
-
28 150
-
Employer
11 230
-
72 025
-
pensions
2 650
-
6 644
-
accident
222
-
557
-
unemployment
618
-
1 548
-
other
90
-
225
-
total
3 580
-
8 974
-
Corporate
66 189
81 000
-
-
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.

9 928
12 150
-
-
total
9 928
12 150
-
-
Dividends
56 261
68 850
-
-
withholding
12 294
15 190
-
-
total
12 294
15 190
-
-
Income
81 000
81 000
81 000
81 000
Total tax
28 680
27 340
37 124
35 850
After tax
52 320
53 660
43 876
45 150
Living cost
8 352
8 352
8 352
8 352
Free-cash
43 968
45 308
35 524
36 798

Estimated living cost  is ₴8352 per week

₴5637
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴803
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴146
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1765
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Bratislava , Slovakia
₴49366
₴41818
₴42459
₴51418
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
-
-
-
81 000
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.

-
-
-
11 085
income
-
-
-
15 137
other
-
-
-
2 194
health
-
-
-
2 032
total
-
-
-
30 448
Employee
11 028
-
69 178
-
health
154
-
647
-
unemployment
110
-
462
-
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
-
3 233
-
income
1 899
-
14 924
-
total
2 935
-
19 266
-
Employer
11 028
-
69 178
-
health
154
-
647
-
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
-
7 852
-
accident
88
-
553
-
unemployment
110
-
462
-
other
552
-
2 309
-
total
2 779
-
11 823
-
Corporate
67 193
81 000
-
-
income
14 111
17 010
-
-
total
14 111
17 010
-
-
Dividends
53 083
63 990
-
-
withholding
3 716
4 479
-
-
total
3 716
4 479
-
-
Income
81 000
81 000
81 000
81 000
Total tax
23 541
21 489
31 089
30 448
After tax
57 459
59 511
49 911
50 552
Living cost
8 093
8 093
8 093
8 093
Free-cash
49 366
51 418
41 818
42 459

Estimated living cost  is ₴8093 per week

₴5718
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴546
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴130
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1698
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Varna , Bulgaria
₴63861
₴65506
₴62035
₴65272
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
-
-
-
81 000
pensions

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

-
-
-
1 570
unemployment
-
-
-
42
income
-
-
-
12 150
health
-
-
-
1 220
total
-
-
-
14 982
Employee
5 274
-
78 918
-
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
-
7 892
-
total
1 291
-
9 429
-
Employer
5 274
-
78 918
-
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
74 691
81 000
-
-
income
7 469
8 100
-
-
total
7 469
8 100
-
-
Dividends
67 222
72 900
-
-
withholding
3 361
3 645
-
-
total
3 361
3 645
-
-
Income
81 000
81 000
81 000
81 000
Total tax
13 156
11 745
11 511
14 982
After tax
67 844
69 255
69 489
66 018
Living cost
3 983
3 983
3 983
3 983
Free-cash
63 861
65 272
65 506
62 035

Estimated living cost  is ₴3983 per week

₴2325
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴284
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴106
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1268
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Nice , France
₴32227
₴29659
₴32834
₴30433
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
-
-
-
81 000
income
-
-
-
16 850
other
-
-
-
2 511
health
-
-
-
4 284
social contributions
-
-
-
2 308
pensions
-
-
-
11 822
surtax
-
-
-
-
total
-
-
-
37 775
Employee
12 999
-
61 229
-
pensions
1 470
-
4 863
-
income
767
-
14 574
-
social contributions
371
-
1 745
-
surtax
-
-
-
-
total
2 608
-
21 182
-
Employer
12 999
-
61 229
-
health
910
-
6 381
-
social contributions
39
-
184
-
pensions
2 135
-
8 077
-
unemployment
526
-
2 480
-
other
448
-
2 646
-
total
4 058
-
19 768
-
Corporate
63 942
81 000
-
-
income
17 904
22 680
-
-
surtax
-
-
-
-
total
17 904
22 680
-
-
Dividends
46 038
58 320
-
-
social contributions
7 919
10 031
-
-
surtax
-
-
-
-
withholding
5 893
7 465
-
-
total
13 812
17 496
-
-
Income
81 000
81 000
81 000
81 000
Total tax
38 382
40 176
40 950
37 775
After tax
42 618
40 824
40 050
43 225
Living cost
10 391
10 391
10 391
10 391
Free-cash
32 227
30 433
29 659
32 834

Estimated living cost  is ₴10391 per week

₴6552
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴845
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴177
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴2818
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Rotterdam , Netherlands
₴25928
₴39059
₴30083
₴27790
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
-
-
-
81 000
pensions
-
-
-
3 558
income
-
-
-
30 891
health
-
-
-
3 745
total
-
-
-
38 194
Employee
25 936
25 936
75 356
-
health
3 981
3 386
3 745
-
pensions
4 669
3 558
3 558
-
income

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

4 245
4 245
16 271
-
total
12 895
11 189
23 574
-
Employer
25 936
25 936
75 356
-
health
1 803
1 803
2 240
-
pensions
1 805
1 805
2 244
-
unemployment
934
934
1 160
-
total
4 542
4 542
5 644
-
Corporate
50 840
50 522
-
-
income
10 168
10 104
-
-
total
10 168
10 104
-
-
Dividends
40 672
40 418
-
-
income
8 643
8 589
-
-
withholding
6 101
6 063
-
-
total
14 744
14 652
-
-
Income
81 000
81 000
81 000
81 000
Total tax
42 349
40 487
29 218
38 194
After tax
38 651
40 513
51 782
42 806
Living cost
12 723
12 723
12 723
12 723
Free-cash
25 928
27 790
39 059
30 083

Estimated living cost  is ₴12723 per week

₴9017
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1147
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴202
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴2357
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Dresden , Germany
₴34970
₴40094
₴29560
₴31610
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.

-
-
-
81 000
trade
-
-
-
10 534
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.

-
-
-
28 087
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.

-
-
-
1 545
total
-
-
-
42 241
Employee

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

11 617
-
81 000
-
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
-
28 087
-
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
-
1 545
-
total
2 417
-
31 707
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
69 383
81 000
-
-
income
10 407
12 150
-
-
trade
10 928
12 757
-
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

572
668
-
-
chamber of commerce
146
163
-
-
total
22 053
25 738
-
-
Dividends
47 330
55 262
-
-
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.

644
753
-
-
withholding
11 717
13 700
-
-
total
12 361
14 453
-
-
Income
81 000
81 000
81 000
81 000
Total tax
36 831
40 191
31 707
42 241
After tax
44 169
40 809
49 293
38 759
Living cost
9 199
9 199
9 199
9 199
Free-cash
34 970
31 610
40 094
29 560

Estimated living cost  is ₴9199 per week

₴5787
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1073
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴172
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴2168
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Nationals of Europe, Australia, Canada, Israel, Japan, the Republic of Korea, New Zealand and the USA do not require an entry type D visa (not to confuse with a Schengen visa or a visa-free entry). For other nationals, waiting time is around 6-9 months which includes document preparation and processing.

Larnaca , Cyprus
₴50316
₴46317
₴46954
₴51970
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
-
-
-
81 000
income
-
-
-
20 034
health
-
-
-
2 066
social contributions
-
-
-
4 914
total
-
-
-
27 014
Employee
23 355
23 355
76 962
-
health
181
397
1 308
-
income
2 543
2 162
19 691
-
social contributions
883
1 938
2 614
-
total
3 607
4 497
23 613
-
Employer
23 355
23 355
76 962
-
health
197
432
1 424
-
social contributions
883
1 938
2 614
-
total
1 080
2 370
4 038
-
Corporate
69 282
55 275
-
-
income
8 660
6 909
-
-
total
8 660
6 909
-
-
Dividends
60 621
48 365
-
-
withholding
10 305
8 222
-
-
total
10 305
8 222
-
-
Income
81 000
81 000
81 000
81 000
Total tax
23 652
21 998
27 651
27 014
After tax
57 348
59 002
53 349
53 986
Living cost
7 032
7 032
7 032
7 032
Free-cash
50 316
51 970
46 317
46 954

Estimated living cost  is ₴7032 per week

₴4214
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴690
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴156
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1972
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Lisbon , Portugal
₴36238
₴25288
₴32088
₴36546
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.

-
-
-
81 000
income
-
-
-
11 238
social contributions

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

-
-
-
28 147
surtax
-
-
-
-
total
-
-
-
39 385
Employee
13 969
-
65 454
-
income
2 906
-
23 135
-
social contributions
1 537
-
7 200
-
surtax
-
-
304
-
total
4 443
-
30 639
-
Employer
13 969
-
65 454
-
social contributions
3 318
-
15 546
-
total
3 318
-
15 546
-
Corporate
63 714
81 000
-
-
income
13 380
17 010
-
-
surtax
-
-
-
-
total
13 380
17 010
-
-
Dividends
50 334
63 990
-
-
withholding
14 094
17 917
-
-
total
14 094
17 917
-
-
Income
81 000
81 000
81 000
81 000
Total tax
35 235
34 927
46 185
39 385
After tax
45 765
46 073
34 815
41 615
Living cost
9 527
9 527
9 527
9 527
Free-cash
36 238
36 546
25 288
32 088

Estimated living cost  is ₴9527 per week

₴7128
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴562
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴159
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1678
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Batumi , Georgia
₴74260
₴62534
₴77924
₴74684
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%.

-
-
-
81 000
microenterprise

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

-
-
-
810
total
-
-
-
810
Employee
2 832
-
81 000
-
income
566
-
16 200
-
total
566
-
16 200
-
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%.

78 168
81 000
-
-
total
-
-
-
-
Dividends
78 168
81 000
-
-
withholding
3 908
4 050
-
-
total
3 908
4 050
-
-
Income
81 000
81 000
81 000
81 000
Total tax
4 474
4 050
16 200
810
After tax
76 526
76 950
64 800
80 190
Living cost
2 266
2 266
2 266
2 266
Free-cash
74 260
74 684
62 534
77 924

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
₴45082
₴26363
₴28122
₴47623
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.

-
-
-
81 000
pensions
-
-
-
14 792
unemployment
-
-
-
122
income
-
-
-
21 847
health
-
-
-
7 971
total
-
-
-
44 732
Employee

The minimum monthly earnings used to calculate contributions are 54% (gradually rising by two percent until reaching 60% by 2021) of the insured's average monthly wage in the last year.

13 431
-
70 087
-
health
867
-
4 528
-
unemployment
19
-
98
-
pensions
2 082
-
10 863
-
income
2 316
-
20 089
-
total
5 284
-
35 578
-
Employer

The minimum monthly earnings used to calculate contributions are 54% (gradually rising by two percent until reaching 60% by 2021) of the insured's average monthly wage in the last year.

13 431
-
70 087
-
health
895
-
4 668
-
pensions
1 188
-
6 203
-
unemployment
8
-
42
-
total
2 091
-
10 913
-
Corporate
65 478
81 000
-
-
income
12 441
15 390
-
-
total
12 441
15 390
-
-
Dividends
53 038
65 610
-
-
withholding
7 956
9 841
-
-
total
7 956
9 841
-
-
Income
81 000
81 000
81 000
81 000
Total tax
27 772
25 231
46 491
44 732
After tax
53 228
55 769
34 509
36 268
Living cost
8 146
8 146
8 146
8 146
Free-cash
45 082
47 623
26 363
28 122

Estimated living cost  is ₴8146 per week

₴5591
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴522
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴158
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1876
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Sliema , Malta
₴41081
₴44890
₴55886
₴40020
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.

-
-
-
81 000
income
-
-
-
12 150
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
-
-
-
14 089
Employee
13 933
-
79 603
-
social contributions
1 396
-
1 397
-
income
1 512
-
22 291
-
total
2 908
-
23 688
-
Employer
13 933
-
79 603
-
social contributions
1 396
-
1 397
-
total
1 396
-
1 397
-
Corporate
65 671
81 000
-
-
income
22 985
28 350
-
-
total
22 985
28 350
-
-
Dividends
42 686
52 650
-
-
social contributions
1 605
1 605
-
-
total
1 605
1 605
-
-
Income
81 000
81 000
81 000
81 000
Total tax
28 894
29 955
25 085
14 089
After tax
52 106
51 045
55 915
66 911
Living cost
11 025
11 025
11 025
11 025
Free-cash
41 081
40 020
44 890
55 886

Estimated living cost  is ₴11025 per week

₴7262
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴869
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴169
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴2724
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Vilnius , Lithuania
₴43135
₴23351
₴45578
₴42978
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
-
-
-
81 000
income
-
-
-
12 150
health
-
-
-
5 654
social contributions
-
-
-
11 178
total
-
-
-
28 982
Employee
10 298
-
81 000
-
health
719
-
5 654
-
income
1 718
-
34 377
-
social contributions
1 421
-
11 178
-
total
3 858
-
51 209
-
Employer
10 298
-
81 000
-
total
-
-
-
-
Corporate
70 702
81 000
-
-
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%.

3 535
4 050
-
-
total
3 535
4 050
-
-
Dividends
67 167
76 950
-
-
social contributions
9 269
10 619
-
-
withholding
10 075
11 542
-
-
health
4 688
5 371
-
-
total
24 032
27 532
-
-
Income
81 000
81 000
81 000
81 000
Total tax
31 425
31 582
51 209
28 982
After tax
49 575
49 418
29 791
52 018
Living cost
6 440
6 440
6 440
6 440
Free-cash
43 135
42 978
23 351
45 578

Estimated living cost  is ₴6440 per week

₴4310
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴397
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴148
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1584
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Prague , Czech Republic
₴44226
₴37023
₴40776
₴47262
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
-
-
-
81 000
income
-
-
-
9 020
health
-
-
-
10 935
social contributions
-
-
-
9 934
solidarity contribution
-
-
-
1 828
total
-
-
-
31 717
Employee
12 511
-
66 509
-
health
1 689
-
8 979
-
solidarity contribution
-
-
1 491
-
income
1 501
-
8 298
-
social contributions
813
-
2 211
-
total
4 003
-
20 979
-
Employer
12 511
-
66 509
-
health
1 126
-
5 986
-
social contributions
3 128
-
8 505
-
total
4 254
-
14 491
-
Corporate
64 236
81 000
-
-
income
12 205
15 390
-
-
total
12 205
15 390
-
-
Dividends
52 031
65 610
-
-
withholding
7 805
9 841
-
-
total
7 805
9 841
-
-
Income
81 000
81 000
81 000
81 000
Total tax
28 267
25 231
35 470
31 717
After tax
52 733
55 769
45 530
49 283
Living cost
8 507
8 507
8 507
8 507
Free-cash
44 226
47 262
37 023
40 776

Estimated living cost  is ₴8507 per week

₴6327
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴471
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴147
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1562
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Tbilisi , Georgia
₴72757
₴61269
₴76659
₴73419
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%.

-
-
-
81 000
microenterprise

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

-
-
-
810
total
-
-
-
810
Employee
4 414
-
81 000
-
income
883
-
16 200
-
total
883
-
16 200
-
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%.

76 586
81 000
-
-
total
-
-
-
-
Dividends
76 586
81 000
-
-
withholding
3 829
4 050
-
-
total
3 829
4 050
-
-
Income
81 000
81 000
81 000
81 000
Total tax
4 712
4 050
16 200
810
After tax
76 288
76 950
64 800
80 190
Living cost
3 531
3 531
3 531
3 531
Free-cash
72 757
73 419
61 269
76 659

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
₴28243
₴25381
₴28556
₴26155
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
-
-
-
81 000
income
-
-
-
16 850
other
-
-
-
2 511
health
-
-
-
4 284
social contributions
-
-
-
2 308
pensions
-
-
-
11 822
surtax
-
-
-
-
total
-
-
-
37 775
Employee
19 022
-
61 229
-
pensions
2 152
-
4 863
-
income
1 660
-
14 574
-
social contributions
542
-
1 745
-
surtax
-
-
-
-
total
4 354
-
21 182
-
Employer
19 022
-
61 229
-
health
1 331
-
6 381
-
social contributions
57
-
184
-
pensions
3 126
-
8 077
-
unemployment
771
-
2 480
-
other
656
-
2 646
-
total
5 941
-
19 768
-
Corporate
56 036
81 000
-
-
income
15 690
22 680
-
-
surtax
-
-
-
-
total
15 690
22 680
-
-
Dividends
40 346
58 320
-
-
social contributions
6 939
10 031
-
-
surtax
-
-
-
-
withholding
5 164
7 465
-
-
total
12 103
17 496
-
-
Income
81 000
81 000
81 000
81 000
Total tax
38 088
40 176
40 950
37 775
After tax
42 912
40 824
40 050
43 225
Living cost
14 669
14 669
14 669
14 669
Free-cash
28 243
26 155
25 381
28 556

Estimated living cost  is ₴14669 per week

₴9928
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1200
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴201
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴3340
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Belgrade , Serbia
₴51801
₴48325
₴48326
₴53288
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.

-
-
-
81 000
pensions
-
-
-
5 815
unemployment
-
-
-
335
income
-
-
-
18 986
health
-
-
-
2 304
total
-
-
-
27 440
Employee

The minimum tax base for social security contributions are defined by the Law on Mandatory Social Insurance Contributions and is fixed at 35% of an average monthly salary published in Serbia. The maximum tax base for social security contributions is capped at five times the average monthly salary published by the official statistics in Serbia at the moment of salary payment.

The minimum monthly earnings used to calculate the contributions are 35% of the national average gross wage for the previous three months.

The maximum monthly earnings used to calculate the contributions are five times the national average gross wage in the previous month.

7 892
-
76 997
-
health
406
-
1 152
-
unemployment
59
-
168
-
pensions
1 105
-
3 131
-
income
1 088
-
18 986
-
total
2 658
-
23 437
-
Employer

The minimum tax base for social security contributions are defined by the Law on Mandatory Social Insurance Contributions and is fixed at 35% of an average monthly salary published in Serbia. The maximum tax base for social security contributions is capped at five times the average monthly salary published by the official statistics in Serbia at the moment of salary payment.

The minimum monthly earnings used to calculate the contributions are 35% of the national average gross wage for the previous three months.

The maximum monthly earnings used to calculate the contributions are five times the national average gross wage in the previous month.

7 892
-
76 997
-
health
406
-
1 152
-
pensions
947
-
2 684
-
unemployment
59
-
168
-
total
1 412
-
4 004
-
Corporate
71 695
81 000
-
-
income
10 754
12 150
-
-
total
10 754
12 150
-
-
Dividends
60 941
68 850
-
-
withholding
9 141
10 328
-
-
total
9 141
10 328
-
-
Income
81 000
81 000
81 000
81 000
Total tax
23 965
22 478
27 441
27 440
After tax
57 035
58 522
53 559
53 560
Living cost
5 234
5 234
5 234
5 234
Free-cash
51 801
53 288
48 325
48 326

Estimated living cost  is ₴5234 per week

₴3524
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴405
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴151
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1154
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Zurich , Switzerland
₴25102
₴39767
₴41798
₴16174
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
-
-
-
81 000
pensions
-
-
-
7 452
city
-
-
-
854
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.

-
-
-
1 588
health
-
-
-
182
regional
-
-
-
5 163
national
-
-
-
3 098
total
-
-
-
18 337
Employee
24 418
-
73 378
-
health
55
-
165
-
unemployment
-
-
-
-
city
262
-
800
-
pensions
2 051
-
5 182
-
regional
800
-
4 708
-
national
116
-
2 698
-
total
3 284
-
13 553
-
Employer
24 418
-
73 378
-
health
55
-
165
-
pensions
2 051
-
5 182
-
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
-
1 468
-
total
2 594
-
6 815
-
Corporate
53 719
81 000
-
-
regional
11 362
17 132
-
-
national
4 566
6 885
-
-
total
15 928
24 017
-
-
Dividends
37 791
56 983
-
-
withholding
13 227
19 944
-
-
total
13 227
19 944
-
-
Income
81 000
81 000
81 000
81 000
Total tax
35 033
43 961
20 368
18 337
After tax
45 967
37 039
60 632
62 663
Living cost
20 865
20 865
20 865
20 865
Free-cash
25 102
16 174
39 767
41 798

Estimated living cost  is ₴20865 per week

₴13568
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1872
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴256
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴5168
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details

Additional information

It is extremely rare that a Third Country National (non-EU/EFTA/Swiss and without a long-term EU resident permit) is given a residence permit based on self-employment.

Helsinki , Finland
₴38325
₴27310
₴36587
₴36913
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

-
-
-
81 000
municipal
-
-
-
14 379
health
-
-
-
1 120
national
-
-
-
17 253
total
-
-
-
32 752
Employee
15 979
-
68 142
-
health
119
-
923
-
unemployment
240
-
1 022
-
pensions
1 078
-
4 599
-
national
264
-
11 540
-
municipal
2 617
-
11 088
-
total
4 318
-
29 172
-
Employer
15 979
-
68 142
-
health
123
-
524
-
pensions
2 772
-
11 822
-
accident
16
-
68
-
unemployment
104
-
443
-
total
3 015
-
12 857
-
Corporate
62 006
81 000
-
-
income
12 401
16 200
-
-
total
12 401
16 200
-
-
Dividends

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

37 204
48 600
-
-
municipal
6 697
8 748
-
-
national
4 583
7 478
-
-
total
11 280
16 226
-
-
Income
81 000
81 000
81 000
81 000
Total tax
31 014
32 426
42 029
32 752
After tax
49 986
48 574
38 971
48 248
Living cost
11 661
11 661
11 661
11 661
Free-cash
38 325
36 913
27 310
36 587

Estimated living cost  is ₴11661 per week

₴7617
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1122
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴186
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴2737
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Finland permits registration as a sole-trader only for EU nationals or long-term EU resident permit holders. Other nationals should set up a company and hire themselves as an employee.

Brussels , Belgium
₴29616
₴15909
₴24220
₴32668
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
-
-
-
81 000
communal

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

-
-
-
4 406
social contributions
-
-
-
7 572
national
-
-
-
33 728
total
-
-
-
45 706
Employee

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

21 725
-
62 737
-
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
-
2 949
-
communal

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

1 133
-
3 272
-
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
-
546
-
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
-
4 705
-
national
6 679
-
24 282
-
total
10 651
-
35 754
-
Employer

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

21 725
-
62 737
-
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
-
3 858
-
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
-
5 558
-
surtax
2 463
-
7 115
-
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
-
816
-
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
-
916
-
total
6 323
-
18 263
-
Corporate
52 951
81 000
-
-
income
10 590
18 303
-
-
surtax
212
366
-
-
total
10 802
18 669
-
-
Dividends
42 149
62 331
-
-
withholding

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

12 534
18 589
-
-
total
12 534
18 589
-
-
Income
81 000
81 000
81 000
81 000
Total tax
40 310
37 258
54 017
45 706
After tax
40 690
43 742
26 983
35 294
Living cost
11 074
11 074
11 074
11 074
Free-cash
29 616
32 668
15 909
24 220

Estimated living cost  is ₴11074 per week

₴7133
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴968
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴173
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴2799
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Stockholm , Sweden
₴30835
₴26749
₴27066
₴31129
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
-
-
-
81 000
unemployment
-
-
-
29
municipal
-
-
-
21 675
other
-
-
-
3 335
health
-
-
-
1 791
national
-
-
-
10 847
accident
-
-
-
57
pensions
-
-
-
3 103
total
-
-
-
40 837
Employee
18 662
-
71 981
-
national
-
-
10 671
-
municipal
5 565
-
21 465
-
total
5 565
-
32 136
-
Employer
18 662
-
71 981
-
health
1 148
-
1 765
-
pensions
2 017
-
3 103
-
accident
37
-
57
-
unemployment
493
-
758
-
other
2 169
-
3 335
-
total
5 864
-
9 018
-
Corporate
56 474
81 000
-
-
income
12 424
17 820
-
-
total
12 424
17 820
-
-
Dividends
44 050
63 180
-
-
withholding
13 215
18 954
-
-
total
13 215
18 954
-
-
Income
81 000
81 000
81 000
81 000
Total tax
37 068
36 774
41 154
40 837
After tax
43 932
44 226
39 846
40 163
Living cost
13 097
13 097
13 097
13 097
Free-cash
30 835
31 129
26 749
27 066

Estimated living cost  is ₴13097 per week

₴8680
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1285
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴199
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴2933
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Oslo , Norway
₴18927
₴62160
₴41540
₴34842
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
-
-
-
81 000
income
-
-
-
15 788
social contributions
-
-
-
9 234
total
-
-
-
25 022
Employee
20 701
-
-
-
income
4 566
-
-
-
social contributions
1 698
-
242
-
total
6 264
-
242
-
Employer
20 701
-
-
-
social contributions
29 189
-
4 160
-
total
29 189
-
4 160
-
Corporate
31 110
81 000
-
-
income
6 844
17 820
-
-
total
6 844
17 820
-
-
Dividends
24 266
63 180
-
-
income
5 338
13 900
-
-
total
5 338
13 900
-
-
Income
81 000
81 000
81 000
81 000
Total tax
47 635
31 720
4 402
25 022
After tax
33 365
49 280
76 598
55 978
Living cost
14 438
14 438
14 438
14 438
Free-cash
18 927
34 842
62 160
41 540

Estimated living cost  is ₴14438 per week

₴9368
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1358
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴184
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴3528
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Limassol , Cyprus
₴47890
₴43498
₴44135
₴49151
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
-
-
-
81 000
income
-
-
-
20 034
health
-
-
-
2 066
social contributions
-
-
-
4 914
total
-
-
-
27 014
Employee
23 355
23 355
76 962
-
health
232
397
1 308
-
income
2 452
2 162
19 691
-
social contributions
1 135
1 938
2 614
-
total
3 819
4 497
23 613
-
Employer
23 355
23 355
76 962
-
health
253
432
1 424
-
social contributions
1 135
1 938
2 614
-
total
1 388
2 370
4 038
-
Corporate
65 941
55 275
-
-
income
8 243
6 909
-
-
total
8 243
6 909
-
-
Dividends
57 699
48 365
-
-
withholding
9 809
8 222
-
-
total
9 809
8 222
-
-
Income
81 000
81 000
81 000
81 000
Total tax
23 259
21 998
27 651
27 014
After tax
57 741
59 002
53 349
53 986
Living cost
9 851
9 851
9 851
9 851
Free-cash
47 890
49 151
43 498
44 135

Estimated living cost  is ₴9851 per week

₴6734
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴769
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴165
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴2182
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Edinburgh , United Kingdom
₴40695
₴33435
₴40604
₴38955
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
-
-
-
81 000
income
-
-
-
26 257
pensions
-
-
-
3 228
total
-
-
-
29 485
Employee
14 976
-
70 487
-
health
195
-
908
-
pensions
1 143
-
3 757
-
income
2 727
-
21 477
-
total
4 065
-
26 142
-
Employer
14 976
-
70 487
-
health
285
-
1 339
-
pensions
1 513
-
9 173
-
total
1 798
-
10 512
-
Corporate
64 226
81 000
-
-
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.

12 203
15 390
-
-
total
12 203
15 390
-
-
Dividends
52 023
65 610
-
-
withholding
11 328
15 744
-
-
total
11 328
15 744
-
-
Income
81 000
81 000
81 000
81 000
Total tax
29 394
31 134
36 654
29 485
After tax
51 606
49 866
44 346
51 515
Living cost
10 911
10 911
10 911
10 911
Free-cash
40 695
38 955
33 435
40 604

Estimated living cost  is ₴10911 per week

₴7485
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1003
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴136
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴2285
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details

Additional information

The only visa which will gain you entry to the UK as a freelancer is Tier 1 (with an exception of EU nationals or long-term UK residence permit holders, up until Brexit). There are two Tier 1 visa pathways.

You can either apply for an Entrepreneur visa which requires an investment of at least £200000 and creating two full time jobs, or choose an Exceptional Talent visa, which has no financial requirements but is more difficult to obtain.

Rome , Italy
₴29184
₴24166
₴26661
₴30566
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
-
-
-
81 000
municipal
-
-
-
592
regional
-
-
-
2 090
social contributions
-
-
-
15 201
national
-
-
-
24 357
total
-
-
-
42 240
Employee
25 593
-
81 000
-
social contributions
8 630
-
19 929
-
regional
386
-
1 932
-
national
4 325
-
22 324
-
municipal
153
-
550
-
total
13 494
-
44 735
-
Employer
25 593
-
81 000
-
total
-
-
-
-
Corporate
55 407
81 000
-
-
nationa
13 298
19 440
-
-
municipal
2 671
3 904
-
-
total
15 969
23 344
-
-
Dividends
39 438
57 656
-
-
withholding
10 254
14 991
-
-
total
10 254
14 991
-
-
Income
81 000
81 000
81 000
81 000
Total tax
39 717
38 335
44 735
42 240
After tax
41 283
42 665
36 265
38 760
Living cost
12 099
12 099
12 099
12 099
Free-cash
29 184
30 566
24 166
26 661

Estimated living cost  is ₴12099 per week

₴8499
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴832
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴183
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴2585
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Gdansk , Poland
₴5556
₴38442
₴48714
₴5
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
-
-
-
81 000
pensions
-
-
-
1 240
income
-
-
-
23 655
other
-
-
-
110
health
-
-
-
650
accident
-
-
-
75
total
-
-
-
25 730
Employee
10 314
-
74 641
-
health
1 181
-
8 547
-
pensions
1 161
-
2 274
-
income
1 415
-
18 822
-
total
3 757
-
29 643
-
Employer
10 314
-
74 641
-
pensions
1 677
-
3 283
-
accident
172
-
1 247
-
unemployment
253
-
1 829
-
total
2 102
-
6 359
-
Corporate
68 585
81 000
-
-
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.

61 726
72 900
-
-
total
61 726
72 900
-
-
Dividends
6 858
8 100
-
-
withholding
1 303
1 539
-
-
total
1 303
1 539
-
-
Income
81 000
81 000
81 000
81 000
Total tax
68 888
74 439
36 002
25 730
After tax
12 112
6 561
44 998
55 270
Living cost
6 556
6 556
6 556
6 556
Free-cash
5 556
5
38 442
48 714

Estimated living cost  is ₴6556 per week

₴4805
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴363
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴137
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1251
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Poland permits registration as a sole-trader only for EU nationals or long-term EU resident permit holders. Other nationals should use a business incubator or set up a company and hire themselves as an employee.

Berlin , Germany
₴33888
₴37567
₴27970
₴29915
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.

-
-
-
81 000
trade
-
-
-
9 597
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.

-
-
-
28 087
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.

-
-
-
1 545
total
-
-
-
41 304
Employee

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

15 112
-
81 000
-
health

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

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

2 075
-
2 075
-
income

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

1 243
-
28 087
-
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
-
1 545
-
total
3 387
-
31 707
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
65 888
81 000
-
-
income
9 883
12 150
-
-
trade
9 455
11 624
-
-
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.

544
668
-
-
chamber of commerce
143
165
-
-
total
20 025
24 607
-
-
Dividends
45 864
56 394
-
-
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.

624
769
-
-
withholding
11 350
13 983
-
-
total
11 974
14 752
-
-
Income
81 000
81 000
81 000
81 000
Total tax
35 386
39 359
31 707
41 304
After tax
45 614
41 641
49 293
39 696
Living cost
11 726
11 726
11 726
11 726
Free-cash
33 888
29 915
37 567
27 970

Estimated living cost  is ₴11726 per week

₴8089
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴1262
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴170
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴2205
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Nationals of Europe, Australia, Canada, Israel, Japan, the Republic of Korea, New Zealand and the USA do not require an entry type D visa (not to confuse with a Schengen visa or a visa-free entry). For other nationals, waiting time is around 6-9 months which includes document preparation and processing.

Riga , Latvia
₴55989
₴29564
₴23995
₴58481
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.

-
-
-
81 000
income
-
-
-
18 394
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.

-
-
-
11 637
surtax
-
-
-
20 655
total
-
-
-
50 686
Employee
8 875
-
65 117
-
income
1 580
-
15 810
-
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
-
3 982
-
surtax
-
-
9 442
-
total
2 556
-
29 234
-
Employer
8 875
-
65 117
-
social contributions

Each person younger than 30 on 1 July, 2001 should make pension contributions to an old-age pension account. We include it in our internal model.

2 138
-
8 720
-
surtax
-
-
7 163
-
total
2 138
-
15 883
-
Corporate
69 987
81 000
-
-
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%.

13 998
16 200
-
-
total
13 998
16 200
-
-
Dividends

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

55 990
64 800
-
-
total
-
-
-
-
Income
81 000
81 000
81 000
81 000
Total tax
18 692
16 200
45 117
50 686
After tax
62 308
64 800
35 883
30 314
Living cost
6 319
6 319
6 319
6 319
Free-cash
55 989
58 481
29 564
23 995

Estimated living cost  is ₴6319 per week

₴4031
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴602
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴144
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1542
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Istanbul , Turkey
₴46065
₴46270
₴46544
₴46697
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
-
-
-
81 000
income
-
-
-
25 769
health
-
-
-
2 034
pensions
-
-
-
2 806
total
-
-
-
30 609
Employee
5 859
-
77 843
-
health
293
-
702
-
unemployment
59
-
140
-
pensions
527
-
1 263
-
income
1 133
-
25 621
-
total
2 012
-
27 726
-
Employer
5 859
-
77 843
-
health
557
-
1 333
-
pensions
645
-
1 543
-
unemployment
117
-
281
-
total
1 319
-
3 157
-
Corporate
73 822
81 000
-
-
income
16 241
17 820
-
-
total
16 241
17 820
-
-
Dividends
57 581
63 180
-
-
withholding
11 516
12 636
-
-
total
11 516
12 636
-
-
Income
81 000
81 000
81 000
81 000
Total tax
31 088
30 456
30 883
30 609
After tax
49 912
50 544
50 117
50 391
Living cost
3 847
3 847
3 847
3 847
Free-cash
46 065
46 697
46 270
46 544

Estimated living cost  is ₴3847 per week

₴2286
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴312
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴88
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1161
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details
Athens , Greece
₴43161
₴29289
₴31145
₴44127
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
-
-
-
81 000
pensions
-
-
-
8 107
unemployment
-
-
-
69
income
-
-
-
27 211
other
-
-
-
-
health
-
-
-
2 878
surtax
-
-
-
4 768
total
-
-
-
43 033
Employee
10 228
-
72 468
-
health
261
-
1 033
-
unemployment
712
-
2 821
-
pensions
682
-
2 704
-
income
1 715
-
25 394
-
other
-
-
-
-
surtax
36
-
4 405
-
total
3 406
-
36 357
-
Employer
10 228
-
72 468
-
health
465
-
1 844
-
pensions
1 364
-
5 403
-
unemployment
324
-
1 285
-
other
-
-
-
-
total
2 153
-
8 532
-
Corporate
68 619
81 000
-
-
income
17 841
21 060
-
-
total
17 841
21 060
-
-
Dividends
50 778
59 940
-
-
withholding
7 617
8 991
-
-
total
7 617
8 991
-
-
Income
81 000
81 000
81 000
81 000
Total tax
31 017
30 051
44 889
43 033
After tax
49 983
50 949
36 111
37 967
Living cost
6 822
6 822
6 822
6 822
Free-cash
43 161
44 127
29 289
31 145

Estimated living cost  is ₴6822 per week

₴4119
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴593
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴158
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₴1952
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₴0
I'm drinking at home rarely or never.
₴0
I do not smoke or smoke very rarely.
Adjust living cost Show details
Graz , Austria
₴34746
₴11225
₴31659
₴34897
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
-
-
-
81 000
pensions
-
-
-
6 564
chamber of commerce
-
-
-
324
unemployment
-
-
-
1 863
incom