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
₽ 109000
per

Your estimated
City
free-cash

Madrid , Spain
₽34275
₽24075
₽27956
₽41136
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
-
-
-
109 000
unemployment
-
-
-
594
income
-
-
-
23 456
other
-
-
-
85
accident
-
-
-
764
pensions
-
-
-
23 995
total
-
-
-
48 894
Employee
44 180
-
82 650
-
unemployment
684
-
1 281
-
pensions
2 076
-
3 885
-
income
9 228
-
21 176
-
other
43
-
83
-
total
12 031
-
26 425
-
Employer
44 180
-
82 650
-
pensions
10 426
-
19 505
-
accident
875
-
1 637
-
unemployment
2 430
-
4 547
-
other
354
-
661
-
total
14 085
-
26 350
-
Corporate
50 734
109 000
-
-
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.

7 611
16 349
-
-
total
7 611
16 349
-
-
Dividends
43 124
92 651
-
-
withholding
8 848
19 365
-
-
total
8 848
19 365
-
-
Income
109 000
109 000
109 000
109 000
Total tax
42 575
35 714
52 775
48 894
After tax
66 425
73 286
56 225
60 106
Living cost
32 150
32 150
32 150
32 150
Free-cash
34 275
41 136
24 075
27 956

Estimated living cost  is ₽32150 per week

₽23088
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2500
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽453
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.
₽6109
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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