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

Valencia , Spain
€275
€203
€197
€328
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
unemployment
-
-
-
6
income
-
-
-
154
other
-
-
-
1
accident
-
-
-
8
pensions
-
-
-
255
total
-
-
-
424
Employee
375
-
682
-
unemployment
6
-
11
-
pensions
18
-
32
-
income
72
-
156
-
other
-
-
1
-
total
96
-
200
-
Employer
375
-
682
-
pensions
88
-
161
-
accident
7
-
14
-
unemployment
21
-
38
-
other
3
-
5
-
total
119
-
218
-
Corporate
406
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.

61
135
-
-
total
61
135
-
-
Dividends
345
765
-
-
withholding
70
158
-
-
total
70
158
-
-
Income
900
900
900
900
Total tax
346
293
418
424
After tax
554
607
482
476
Living cost
279
279
279
279
Free-cash
275
328
203
197

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
Madrid , Spain
€173
€126
€120
€251
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
unemployment
-
-
-
6
income
-
-
-
154
other
-
-
-
1
accident
-
-
-
8
pensions
-
-
-
255
total
-
-
-
424
Employee
489
-
682
-
unemployment
8
-
11
-
pensions
23
-
32
-
income
102
-
156
-
other
-
-
1
-
total
133
-
200
-
Employer
489
-
682
-
pensions
116
-
161
-
accident
10
-
14
-
unemployment
27
-
38
-
other
4
-
5
-
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.
Adjust living cost Show details Source
Barcelona , Spain
€160
€116
€110
€241
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
unemployment
-
-
-
6
income
-
-
-
154
other
-
-
-
1
accident
-
-
-
8
pensions
-
-
-
255
total
-
-
-
424
Employee
504
-
682
-
unemployment
8
-
11
-
pensions
24
-
32
-
income
106
-
156
-
other
-
-
1
-
total
138
-
200
-
Employer
504
-
682
-
pensions
119
-
161
-
accident
10
-
14
-
unemployment
28
-
38
-
other
4
-
5
-
total
161
-
218
-
Corporate
235
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.

35
135
-
-
total
35
135
-
-
Dividends
200
765
-
-
withholding
40
158
-
-
total
40
158
-
-
Income
900
900
900
900
Total tax
374
293
418
424
After tax
526
607
482
476
Living cost
366
366
366
366
Free-cash
160
241
116
110

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
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