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
€ 38000
per

Your estimated
City
free-cash

Athens , Greece
€12066
€10390
€8992
€8154
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
-
-
-
38 000
income
-
-
-
6 199
pensions
-
-
-
7 600
other
-
-
-
-
unemployment
-
-
-
120
health
-
-
-
2 698
surtax
-
-
-
555
total
-
-
-
17 172
Employee
17 746
-
31 392
-
other
-
-
-
-
health
453
-
801
-
surtax
63
-
492
-
income
2 975
-
5 830
-
pensions
1 184
-
2 094
-
unemployment
1 235
-
2 185
-
total
5 910
-
11 402
-
Employer
17 746
-
31 392
-
other
-
-
-
-
unemployment
563
-
995
-
pensions
2 366
-
4 185
-
health
807
-
1 428
-
total
3 736
-
6 608
-
Corporate
16 518
38 000
-
-
income
4 295
9 880
-
-
total
4 295
9 880
-
-
Dividends
12 223
28 120
-
-
withholding
1 833
4 218
-
-
total
1 833
4 218
-
-
Income
38 000
38 000
38 000
38 000
Total tax
15 774
14 098
18 010
17 172
After tax
22 226
23 902
19 990
20 828
Living cost
11 836
11 836
11 836
11 836
Free-cash
10 390
12 066
8 154
8 992

Estimated living cost  is €11836 per year

€7146
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
€1029
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
€275
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.
€3387
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 Athens model

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