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
€ 2850
per

Your estimated
City
free-cash

Valencia , Spain
€715
€487
€340
€361
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
-
-
-
2 850
accident
-
-
-
26
income
-
-
-
446
pensions
-
-
-
807
other
-
-
-
3
unemployment
-
-
-
20
total
-
-
-
1 302
Employee
1 624
-
2 161
-
other
2
-
2
-
income
313
-
454
-
pensions
76
-
102
-
unemployment
25
-
34
-
total
416
-
592
-
Employer
1 624
-
2 161
-
accident
32
-
43
-
other
13
-
17
-
unemployment
89
-
119
-
pensions
383
-
510
-
total
517
-
689
-
Corporate
709
2 850
-
-
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.

106
428
-
-
total
106
428
-
-
Dividends
602
2 422
-
-
withholding
116
499
-
-
total
116
499
-
-
Income
2 850
2 850
2 850
2 850
Total tax
1 155
927
1 281
1 302
After tax
1 695
1 923
1 569
1 548
Living cost
1 208
1 208
1 208
1 208
Free-cash
487
715
361
340

Estimated living cost  is €1208 per month

€815
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
€116
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
€21
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.
€255
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 Valencia model

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Estimated living cost

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Estimated living cost

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Source

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