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
€ 1050
per

Your estimated
City
free-cash

Valencia , Spain
€376
€274
€287
€428
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
-
-
-
1 050
unemployment
-
-
-
7
income
-
-
-
202
other
-
-
-
1
accident
-
-
-
8
pensions
-
-
-
266
total
-
-
-
484
Employee
375
-
796
-
unemployment
6
-
12
-
pensions
18
-
37
-
income
72
-
193
-
other
-
-
1
-
total
96
-
243
-
Employer
375
-
796
-
pensions
88
-
188
-
accident
7
-
16
-
unemployment
21
-
44
-
other
3
-
6
-
total
119
-
254
-
Corporate
556
1 050
-
-
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.

83
158
-
-
total
83
158
-
-
Dividends
472
892
-
-
withholding
97
185
-
-
total
97
185
-
-
Income
1 050
1 050
1 050
1 050
Total tax
395
343
497
484
After tax
655
707
553
566
Living cost
279
279
279
279
Free-cash
376
428
274
287

Estimated living cost  is €279 per week

€188
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
€27
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
€5
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.
€59
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
Madrid , Spain
€273
€197
€210
€351
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
-
-
-
1 050
unemployment
-
-
-
7
income
-
-
-
202
other
-
-
-
1
accident
-
-
-
8
pensions
-
-
-
266
total
-
-
-
484
Employee
489
-
796
-
unemployment
8
-
12
-
pensions
23
-
37
-
income
102
-
193
-
other
-
-
1
-
total
133
-
243
-
Employer
489
-
796
-
pensions
116
-
188
-
accident
10
-
16
-
unemployment
27
-
44
-
other
4
-
6
-
total
157
-
254
-
Corporate
405
1 050
-
-
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.

61
158
-
-
total
61
158
-
-
Dividends
344
892
-
-
withholding
70
185
-
-
total
70
185
-
-
Income
1 050
1 050
1 050
1 050
Total tax
421
343
497
484
After tax
629
707
553
566
Living cost
356
356
356
356
Free-cash
273
351
197
210

Estimated living cost  is €356 per week

€256
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
€28
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
€5
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.
€68
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
Barcelona , Spain
€261
€187
€200
€341
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
-
-
-
1 050
unemployment
-
-
-
7
income
-
-
-
202
other
-
-
-
1
accident
-
-
-
8
pensions
-
-
-
266
total
-
-
-
484
Employee
504
-
796
-
unemployment
8
-
12
-
pensions
24
-
37
-
income
106
-
193
-
other
-
-
1
-
total
138
-
243
-
Employer
504
-
796
-
pensions
119
-
188
-
accident
10
-
16
-
unemployment
28
-
44
-
other
4
-
6
-
total
161
-
254
-
Corporate
385
1 050
-
-
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.

58
158
-
-
total
58
158
-
-
Dividends
327
892
-
-
withholding
66
185
-
-
total
66
185
-
-
Income
1 050
1 050
1 050
1 050
Total tax
423
343
497
484
After tax
627
707
553
566
Living cost
366
366
366
366
Free-cash
261
341
187
200

Estimated living cost  is €366 per week

€270
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
€26
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
€5
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.
€65
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
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