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

Valencia , Spain
€611
€458
€508
€659
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
unemployment
-
-
-
7
income
-
-
-
331
other
-
-
-
1
accident
-
-
-
8
pensions
-
-
-
266
total
-
-
-
613
Employee
375
-
1 101
-
unemployment
6
-
15
-
pensions
18
-
44
-
income
72
-
302
-
other
-
-
1
-
total
96
-
362
-
Employer
375
-
1 101
-
pensions
88
-
222
-
accident
7
-
19
-
unemployment
21
-
52
-
other
3
-
8
-
total
119
-
301
-
Corporate
906
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.

136
210
-
-
total
136
210
-
-
Dividends
770
1 190
-
-
withholding
159
252
-
-
total
159
252
-
-
Income
1 400
1 400
1 400
1 400
Total tax
510
462
663
613
After tax
890
938
737
787
Living cost
279
279
279
279
Free-cash
611
659
458
508

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
€509
€381
€431
€582
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
unemployment
-
-
-
7
income
-
-
-
331
other
-
-
-
1
accident
-
-
-
8
pensions
-
-
-
266
total
-
-
-
613
Employee
489
-
1 101
-
unemployment
8
-
15
-
pensions
23
-
44
-
income
102
-
302
-
other
-
-
1
-
total
133
-
362
-
Employer
489
-
1 101
-
pensions
116
-
222
-
accident
10
-
19
-
unemployment
27
-
52
-
other
4
-
8
-
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.
Adjust living cost Show details Source
Barcelona , Spain
€496
€371
€421
€572
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
unemployment
-
-
-
7
income
-
-
-
331
other
-
-
-
1
accident
-
-
-
8
pensions
-
-
-
266
total
-
-
-
613
Employee
504
-
1 101
-
unemployment
8
-
15
-
pensions
24
-
44
-
income
106
-
302
-
other
-
-
1
-
total
138
-
362
-
Employer
504
-
1 101
-
pensions
119
-
222
-
accident
10
-
19
-
unemployment
28
-
52
-
other
4
-
8
-
total
161
-
301
-
Corporate
735
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.

110
210
-
-
total
110
210
-
-
Dividends
624
1 190
-
-
withholding
129
252
-
-
total
129
252
-
-
Income
1 400
1 400
1 400
1 400
Total tax
538
462
663
613
After tax
862
938
737
787
Living cost
366
366
366
366
Free-cash
496
572
371
421

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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