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

Madrid , Spain
₽35535
₽27896
₽21576
₽19944
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
-
-
-
836
income
-
-
-
20 374
pensions
-
-
-
26 271
other
-
-
-
93
unemployment
-
-
-
650
total
-
-
-
48 224
Employee
48 371
-
79 618
-
other
48
-
80
-
income
10 103
-
19 418
-
pensions
2 273
-
3 742
-
unemployment
749
-
1 234
-
total
13 173
-
24 474
-
Employer
48 371
-
79 618
-
accident
958
-
1 576
-
other
388
-
637
-
unemployment
2 661
-
4 379
-
pensions
11 415
-
18 790
-
total
15 422
-
25 382
-
Corporate
41 206
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.

6 181
15 751
-
-
total
6 181
15 751
-
-
Dividends
35 025
89 249
-
-
withholding
7 128
18 514
-
-
total
7 128
18 514
-
-
Income
105 000
105 000
105 000
105 000
Total tax
41 904
34 265
49 856
48 224
After tax
63 096
70 735
55 144
56 776
Living cost
35 200
35 200
35 200
35 200
Free-cash
27 896
35 535
19 944
21 576

Estimated living cost  is ₽35200 per week

₽25279
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2737
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽496
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.
₽6688
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 Madrid model

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Estimated living cost

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