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
€ 950
per

Your estimated
City
free-cash

Valencia , Spain
€309
€228
€224
€362
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
-
-
-
950
unemployment
-
-
-
7
income
-
-
-
165
other
-
-
-
1
accident
-
-
-
8
pensions
-
-
-
266
total
-
-
-
447
Employee
375
-
720
-
unemployment
6
-
11
-
pensions
18
-
34
-
income
72
-
167
-
other
-
-
1
-
total
96
-
213
-
Employer
375
-
720
-
pensions
88
-
170
-
accident
7
-
14
-
unemployment
21
-
40
-
other
3
-
6
-
total
119
-
230
-
Corporate
456
950
-
-
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.

68
142
-
-
total
68
142
-
-
Dividends
387
808
-
-
withholding
79
167
-
-
total
79
167
-
-
Income
950
950
950
950
Total tax
362
309
443
447
After tax
588
641
507
503
Living cost
279
279
279
279
Free-cash
309
362
228
224

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
€206
€151
€147
€285
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
-
-
-
950
unemployment
-
-
-
7
income
-
-
-
165
other
-
-
-
1
accident
-
-
-
8
pensions
-
-
-
266
total
-
-
-
447
Employee
489
-
720
-
unemployment
8
-
11
-
pensions
23
-
34
-
income
102
-
167
-
other
-
-
1
-
total
133
-
213
-
Employer
489
-
720
-
pensions
116
-
170
-
accident
10
-
14
-
unemployment
27
-
40
-
other
4
-
6
-
total
157
-
230
-
Corporate
305
950
-
-
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.

46
142
-
-
total
46
142
-
-
Dividends
259
808
-
-
withholding
52
167
-
-
total
52
167
-
-
Income
950
950
950
950
Total tax
388
309
443
447
After tax
562
641
507
503
Living cost
356
356
356
356
Free-cash
206
285
151
147

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
€193
€141
€137
€275
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
-
-
-
950
unemployment
-
-
-
7
income
-
-
-
165
other
-
-
-
1
accident
-
-
-
8
pensions
-
-
-
266
total
-
-
-
447
Employee
504
-
720
-
unemployment
8
-
11
-
pensions
24
-
34
-
income
106
-
167
-
other
-
-
1
-
total
138
-
213
-
Employer
504
-
720
-
pensions
119
-
170
-
accident
10
-
14
-
unemployment
28
-
40
-
other
4
-
6
-
total
161
-
230
-
Corporate
285
950
-
-
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.

43
142
-
-
total
43
142
-
-
Dividends
242
808
-
-
withholding
49
167
-
-
total
49
167
-
-
Income
950
950
950
950
Total tax
391
309
443
447
After tax
559
641
507
503
Living cost
366
366
366
366
Free-cash
193
275
141
137

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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