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
₽ 105000
per

Your estimated
City
free-cash

Valencia , Spain
-₽87684
-₽49123
-₽37254
-₽64473
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
-
-
-
105 000
accident
-
-
-
945
unemployment
-
-
-
735
pensions
-
-
-
29 717
other
-
-
-
105
income
-
-
-
13 962
total
-
-
-
45 464
Employee
146 107
-
62 933
-
pensions
6 869
-
6 201
-
other
142
-
135
-
income
28 168
-
10 363
-
unemployment
2 265
-
2 047
-
total
37 444
-
18 746
-
Employer
146 107
-
62 933
-
accident
2 894
-
2 610
-
other
1 170
-
1 057
-
unemployment
8 038
-
7 259
-
pensions
34 478
-
31 142
-
total
46 580
-
42 068
-
Corporate
-
105 000
-
-
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.

-
15 747
-
-
total
-
15 747
-
-
Dividends
-
89 253
-
-
withholding
-
17 847
-
-
total
-
17 847
-
-
Income
105 000
105 000
105 000
105 000
Total tax
84 024
33 594
60 814
45 464
After tax
20 976
71 406
44 186
59 536
Living cost
108 660
108 660
108 660
108 660
Free-cash
-87 684
-37 254
-64 473
-49 123

Estimated living cost  is ₽108660 per month

₽73343
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽10446
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1905
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.
₽22968
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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