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
₽ 110000
per

Your estimated
City
free-cash

Valencia , Spain
-₽45199
-₽57686
-₽76111
-₽102902
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
-
-
-
110 000
income
-
-
-
14 632
unemployment
-
-
-
771
other
-
-
-
108
pensions
-
-
-
31 128
accident
-
-
-
986
total
-
-
-
47 625
Employee
161 438
-
63 519
-
pensions
7 589
-
6 852
-
unemployment
2 502
-
2 262
-
other
157
-
149
-
income
31 124
-
10 307
-
total
41 372
-
19 570
-
Employer
161 438
-
63 519
-
accident
3 198
-
2 883
-
unemployment
8 882
-
8 020
-
pensions
38 096
-
34 409
-
other
1 293
-
1 168
-
total
51 469
-
46 480
-
Corporate
-
110 000
-
-
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.

-
16 496
-
-
total
-
16 496
-
-
Dividends
-
93 504
-
-
withholding
-
18 642
-
-
total
-
18 642
-
-
Income
110 000
110 000
110 000
110 000
Total tax
92 841
35 138
66 050
47 625
After tax
17 159
74 862
43 950
62 375
Living cost
120 061
120 061
120 061
120 061
Free-cash
-102 902
-45 199
-76 111
-57 686

Estimated living cost  is ₽120061 per month

₽81039
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽11542
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽2104
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.
₽25378
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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