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
£ 3300
per

Your estimated
City
free-cash

Valencia , Spain
£738
£1193
£716
£996
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
-
-
-
3 300
pensions
-
-
-
934
accident
-
-
-
30
unemployment
-
-
-
23
other
-
-
-
3
income
-
-
-
562
total
-
-
-
1 552
Employee
1 388
-
2 502
-
unemployment
22
-
39
-
pensions
65
-
118
-
other
1
-
2
-
income
268
-
572
-
total
356
-
731
-
Employer
1 388
-
2 502
-
pensions
328
-
591
-
other
11
-
20
-
unemployment
76
-
138
-
accident
27
-
50
-
total
442
-
799
-
Corporate
1 469
3 300
-
-
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.

220
495
-
-
total
220
495
-
-
Dividends
1 249
2 805
-
-
withholding
254
580
-
-
total
254
580
-
-
Income
3 300
3 300
3 300
3 300
Total tax
1 272
1 075
1 530
1 552
After tax
2 028
2 225
1 770
1 748
Living cost
1 032
1 032
1 032
1 032
Free-cash
996
1 193
738
716

Estimated living cost  is £1032 per month

£697
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
£99
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
£18
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.
£218
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 Valencia model

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Estimated living cost

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