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
-₽54307
-₽42389
-₽96865
-₽71597
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
pensions
-
-
-
29 719
other
-
-
-
102
unemployment
-
-
-
738
accident
-
-
-
943
income
-
-
-
13 968
total
-
-
-
45 470
Employee
153 069
-
60 929
-
pensions
7 196
-
6 497
-
other
149
-
141
-
unemployment
2 372
-
2 145
-
income
29 511
-
9 906
-
total
39 228
-
18 689
-
Employer
153 069
-
60 929
-
pensions
36 121
-
32 625
-
other
1 226
-
1 108
-
unemployment
8 421
-
7 604
-
accident
3 032
-
2 734
-
total
48 800
-
44 071
-
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.

-
15 751
-
-
total
-
15 751
-
-
Dividends
-
89 249
-
-
withholding
-
17 801
-
-
total
-
17 801
-
-
Income
105 000
105 000
105 000
105 000
Total tax
88 028
33 552
62 760
45 470
After tax
16 972
71 448
42 240
59 530
Living cost
113 837
113 837
113 837
113 837
Free-cash
-96 865
-42 389
-71 597
-54 307

Estimated living cost  is ₽113837 per month

₽76838
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽10943
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1995
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.
₽24063
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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