KeepVista · EU net take-home, ranked
Net take-home on one gross income in five EU countries (Romania, Bulgaria, Portugal, Estonia and Cyprus) as an employee, a freelancer or a founder paid in dividends. Every rate sourced and dated, for the 2026 tax year. The calculator needs JavaScript; these are its rankings for €100,000 a year.
| Country | Regime | Net a year | Kept | Source |
|---|---|---|---|---|
| 1. Bulgaria | Employee (10% flat) | €86,741 | 86.7% | NRA · ЗДДФЛ / ЗКПО (via PwC, 2026), 2026-08-01 |
| 2. Estonia | Employee (22% flat) | €77,040 | 77.0% | Estonian Tax & Customs Board (EMTA), 2026-01-01 |
| 3. Cyprus | Employee | €71,036 | 71.0% | Cyprus Tax Dept (via PwC, 2026 reform), 2026-01-01 |
| 4. Romania | Employee | €58,500 | 58.5% | Codul Fiscal · Legea 141/2025 (via PwC, 2026), 2026-01-01 |
| 5. Portugal | Employee (standard IRS) | €57,442 | 57.4% | Autoridade Tributária (via PwC, 2026), 2026-01-01 |
| Country | Regime | Net a year | Kept | Source |
|---|---|---|---|---|
| 1. Bulgaria | Self-employed (свободна професия) | €85,924 | 85.9% | NRA · ЗДДФЛ / ЗКПО (via PwC, 2026), 2026-08-01 |
| 2. Romania | PFA — sole trader (sistem real) | €80,850 | 80.9% | Codul Fiscal · Legea 141/2025 (via PwC, 2026), 2026-01-01 |
| 3. Cyprus | Self-employed | €66,407 | 66.4% | Cyprus Tax Dept (via PwC, 2026 reform), 2026-01-01 |
| 4. Portugal | Self-employed (simplified regime, services) | €60,003 | 60.0% | Autoridade Tributária (via PwC, 2026), 2026-01-01 |
| 5. Estonia | Sole trader (FIE) | €59,322 | 59.3% | Estonian Tax & Customs Board (EMTA), 2026-01-01 |
| Country | Regime | Net a year | Kept | Source |
|---|---|---|---|---|
| 1. Bulgaria | EOOD dividends (10% corp + 5% dividend) | €83,566 | 83.6% | NRA · ЗДДФЛ / ЗКПО (via PwC, 2026), 2026-08-01 |
| 2. Cyprus | Non-dom dividends (15% corp · 0% SDC · 2.65% GHS) | €82,748 | 82.7% | Cyprus Tax Dept (via PwC, 2026 reform), 2026-01-01 |
| 3. Romania | Micro-SRL (1% turnover) + 16% dividend | €79,133 | 79.1% | Codul Fiscal · Legea 141/2025 (via PwC, 2026), 2026-01-01 |
| 4. Estonia | OÜ dividends (0% retained · 22/78 distributed) | €78,000 | 78.0% | Estonian Tax & Customs Board (EMTA), 2026-01-01 |
| 5. Portugal | Company dividends (IRC 15/19% + IRS on 50% of dividends) | €72,726 | 72.7% | Autoridade Tributária (via PwC, 2026), 2026-01-01 |
Founder rows include Romania's mandatory employee, filled by the founder on the minimum wage.
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Informational, not tax advice. Simplified, single-person estimates (no dependants, one income) built from the 2026 rules, each row citing its source, and not reviewed by a licensed tax adviser. Rates change and your situation is unique: confirm with the cited source and a qualified accountant before acting.