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
₽ 103000
per

Your estimated
City
free-cash

Madrid , Spain
₽29445
₽20886
₽23338
₽36565
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
-
-
-
103 000
unemployment
-
-
-
606
income
-
-
-
20 888
other
-
-
-
87
accident
-
-
-
780
pensions
-
-
-
24 489
total
-
-
-
46 850
Employee
45 090
-
78 100
-
unemployment
698
-
1 210
-
pensions
2 119
-
3 671
-
income
9 418
-
19 446
-
other
44
-
78
-
total
12 279
-
24 405
-
Employer
45 090
-
78 100
-
pensions
10 641
-
18 431
-
accident
893
-
1 547
-
unemployment
2 480
-
4 295
-
other
361
-
624
-
total
14 375
-
24 897
-
Corporate
43 534
103 000
-
-
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.

6 531
15 450
-
-
total
6 531
15 450
-
-
Dividends
37 003
87 550
-
-
withholding
7 558
18 173
-
-
total
7 558
18 173
-
-
Income
103 000
103 000
103 000
103 000
Total tax
40 743
33 623
49 302
46 850
After tax
62 257
69 377
53 698
56 150
Living cost
32 812
32 812
32 812
32 812
Free-cash
29 445
36 565
20 886
23 338

Estimated living cost  is ₽32812 per week

₽23564
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2551
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽462
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.
₽6235
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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