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
£ 3500
per

Your estimated
City
free-cash

Valencia , Spain
£824
£1311
£799
£1112
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
-
-
-
3 500
other
-
-
-
3
accident
-
-
-
32
income
-
-
-
602
pensions
-
-
-
991
unemployment
-
-
-
25
total
-
-
-
1 653
Employee
1 409
-
2 654
-
income
272
-
613
-
other
1
-
3
-
pensions
66
-
125
-
unemployment
22
-
41
-
total
361
-
782
-
Employer
1 409
-
2 654
-
other
11
-
21
-
unemployment
78
-
146
-
accident
28
-
53
-
pensions
332
-
626
-
total
449
-
846
-
Corporate
1 642
3 500
-
-
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.

246
525
-
-
total
246
525
-
-
Dividends
1 396
2 975
-
-
withholding
284
616
-
-
total
284
616
-
-
Income
3 500
3 500
3 500
3 500
Total tax
1 340
1 141
1 628
1 653
After tax
2 160
2 359
1 872
1 847
Living cost
1 048
1 048
1 048
1 048
Free-cash
1 112
1 311
824
799

Estimated living cost  is £1048 per month

£707
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
£101
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.
£221
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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Source

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