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
£ 3800
per

Your estimated
City
free-cash

Valencia , Spain
£1312
£1512
£964
£987
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
-
-
-
3 800
other
-
-
-
4
unemployment
-
-
-
25
income
-
-
-
703
pensions
-
-
-
1 000
accident
-
-
-
32
total
-
-
-
1 764
Employee
1 410
-
2 881
-
unemployment
22
-
45
-
other
1
-
3
-
pensions
66
-
135
-
income
272
-
687
-
total
361
-
870
-
Employer
1 410
-
2 881
-
other
11
-
23
-
accident
28
-
57
-
pensions
333
-
680
-
unemployment
78
-
158
-
total
450
-
918
-
Corporate
1 941
3 800
-
-
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.

291
570
-
-
total
291
570
-
-
Dividends
1 650
3 230
-
-
withholding
338
670
-
-
total
338
670
-
-
Income
3 800
3 800
3 800
3 800
Total tax
1 440
1 240
1 788
1 764
After tax
2 360
2 560
2 012
2 036
Living cost
1 048
1 048
1 048
1 048
Free-cash
1 312
1 512
964
987

Estimated living cost  is £1048 per month

£708
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.
£222
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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