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
€ 650
per

Your estimated
City
free-cash

Barcelona , Spain
€72
-€15
-€13
-€7
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
-
-
-
650
accident
-
-
-
6
income
-
-
-
101
pensions
-
-
-
184
other
-
-
-
1
unemployment
-
-
-
5
total
-
-
-
297
Employee
504
-
493
-
other
-
-
-
-
income
106
-
103
-
pensions
24
-
23
-
unemployment
8
-
8
-
total
138
-
134
-
Employer
504
-
493
-
accident
10
-
10
-
other
4
-
4
-
unemployment
28
-
27
-
pensions
119
-
116
-
total
161
-
157
-
Corporate
-
650
-
-
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.

-
98
-
-
total
-
98
-
-
Dividends
-
552
-
-
withholding
-
114
-
-
total
-
114
-
-
Income
650
650
650
650
Total tax
299
212
291
297
After tax
351
438
359
353
Living cost
366
366
366
366
Free-cash
-15
72
-7
-13

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

Source of data for Barcelona model

Close
Valencia , Spain
€159
€107
€74
€80
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
-
-
-
650
accident
-
-
-
6
income
-
-
-
101
pensions
-
-
-
184
other
-
-
-
1
unemployment
-
-
-
5
total
-
-
-
297
Employee
375
-
493
-
other
-
-
-
-
income
72
-
103
-
pensions
18
-
23
-
unemployment
6
-
8
-
total
96
-
134
-
Employer
375
-
493
-
accident
7
-
10
-
other
3
-
4
-
unemployment
21
-
27
-
pensions
88
-
116
-
total
119
-
157
-
Corporate
156
650
-
-
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.

23
98
-
-
total
23
98
-
-
Dividends
132
552
-
-
withholding
26
114
-
-
total
26
114
-
-
Income
650
650
650
650
Total tax
264
212
291
297
After tax
386
438
359
353
Living cost
279
279
279
279
Free-cash
107
159
80
74

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

Source of data for Valencia model

Close
Madrid , Spain
€82
€2
-€3
€3
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
-
-
-
650
accident
-
-
-
6
income
-
-
-
101
pensions
-
-
-
184
other
-
-
-
1
unemployment
-
-
-
5
total
-
-
-
297
Employee
489
-
493
-
other
-
-
-
-
income
102
-
103
-
pensions
23
-
23
-
unemployment
8
-
8
-
total
133
-
134
-
Employer
489
-
493
-
accident
10
-
10
-
other
4
-
4
-
unemployment
27
-
27
-
pensions
116
-
116
-
total
157
-
157
-
Corporate
5
650
-
-
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.

1
98
-
-
total
1
98
-
-
Dividends
4
552
-
-
withholding
1
114
-
-
total
1
114
-
-
Income
650
650
650
650
Total tax
292
212
291
297
After tax
358
438
359
353
Living cost
356
356
356
356
Free-cash
2
82
3
-3

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

Source of data for Madrid model

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