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
€ 900
per

Your estimated
City
free-cash

Madrid , Spain
€251
€173
€120
€126
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
-
-
-
900
accident
-
-
-
8
income
-
-
-
154
pensions
-
-
-
255
other
-
-
-
1
unemployment
-
-
-
6
total
-
-
-
424
Employee
489
-
682
-
other
-
-
1
-
income
102
-
156
-
pensions
23
-
32
-
unemployment
8
-
11
-
total
133
-
200
-
Employer
489
-
682
-
accident
10
-
14
-
other
4
-
5
-
unemployment
27
-
38
-
pensions
116
-
161
-
total
157
-
218
-
Corporate
255
900
-
-
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.

38
135
-
-
total
38
135
-
-
Dividends
216
765
-
-
withholding
43
158
-
-
total
43
158
-
-
Income
900
900
900
900
Total tax
371
293
418
424
After tax
529
607
482
476
Living cost
356
356
356
356
Free-cash
173
251
126
120

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.
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Source of data for Madrid model

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Estimated living cost

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Estimated living cost

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Source

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