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
€ 40000
per

Your estimated
City
free-cash

Athens , Greece
€13324
€9069
€9954
€11648
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
-
-
-
40 000
unemployment
-
-
-
120
health
-
-
-
2 840
pensions
-
-
-
8 000
other
-
-
-
-
income
-
-
-
6 622
surtax
-
-
-
628
total
-
-
-
18 210
Employee
17 746
-
33 044
-
health
453
-
842
-
pensions
1 184
-
2 204
-
surtax
63
-
561
-
other
-
-
-
-
unemployment
1 235
-
2 300
-
income
2 975
-
6 232
-
total
5 910
-
12 139
-
Employer
17 746
-
33 044
-
pensions
2 366
-
4 405
-
unemployment
563
-
1 047
-
health
807
-
1 504
-
other
-
-
-
-
total
3 736
-
6 956
-
Corporate
18 518
40 000
-
-
income
4 815
10 400
-
-
total
4 815
10 400
-
-
Dividends
13 703
29 600
-
-
withholding
2 055
4 440
-
-
total
2 055
4 440
-
-
Income
40 000
40 000
40 000
40 000
Total tax
16 516
14 840
19 095
18 210
After tax
23 484
25 160
20 905
21 790
Living cost
11 836
11 836
11 836
11 836
Free-cash
11 648
13 324
9 069
9 954

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.
Adjust living cost Show details
Thessaloniki , Greece
€13532
€9277
€10162
€11892
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
-
-
-
40 000
unemployment
-
-
-
120
health
-
-
-
2 840
pensions
-
-
-
8 000
other
-
-
-
-
income
-
-
-
6 622
surtax
-
-
-
628
total
-
-
-
18 210
Employee
17 426
-
33 044
-
health
445
-
842
-
pensions
1 162
-
2 204
-
surtax
57
-
561
-
other
-
-
-
-
unemployment
1 213
-
2 300
-
income
2 921
-
6 232
-
total
5 798
-
12 139
-
Employer
17 426
-
33 044
-
pensions
2 323
-
4 405
-
unemployment
552
-
1 047
-
health
793
-
1 504
-
other
-
-
-
-
total
3 668
-
6 956
-
Corporate
18 906
40 000
-
-
income
4 916
10 400
-
-
total
4 916
10 400
-
-
Dividends
13 990
29 600
-
-
withholding
2 098
4 440
-
-
total
2 098
4 440
-
-
Income
40 000
40 000
40 000
40 000
Total tax
16 480
14 840
19 095
18 210
After tax
23 520
25 160
20 905
21 790
Living cost
11 628
11 628
11 628
11 628
Free-cash
11 892
13 532
9 277
10 162

Estimated living cost  is €11628 per year

€7110
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
€1073
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
€268
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.
€3177
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
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