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
€ 1400
per

Your estimated
City
free-cash

Madrid , Spain
€582
€509
€431
€381
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
-
-
-
1 400
accident
-
-
-
8
income
-
-
-
331
pensions
-
-
-
266
other
-
-
-
1
unemployment
-
-
-
7
total
-
-
-
613
Employee
489
-
1 101
-
other
-
-
1
-
income
102
-
302
-
pensions
23
-
44
-
unemployment
8
-
15
-
total
133
-
362
-
Employer
489
-
1 101
-
accident
10
-
19
-
other
4
-
8
-
unemployment
27
-
52
-
pensions
116
-
222
-
total
157
-
301
-
Corporate
755
1 400
-
-
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.

113
210
-
-
total
113
210
-
-
Dividends
641
1 190
-
-
withholding
132
252
-
-
total
132
252
-
-
Income
1 400
1 400
1 400
1 400
Total tax
535
462
663
613
After tax
865
938
737
787
Living cost
356
356
356
356
Free-cash
509
582
381
431

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.
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Source of data for Madrid model

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Estimated living cost

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Estimated living cost

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Source

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