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
₽ 123500
per

Your estimated
City
free-cash

Valencia , Spain
₽5820
-₽7995
-₽8714
-₽14385
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
-
-
-
123 500
unemployment
-
-
-
864
pensions
-
-
-
34 949
accident
-
-
-
1 111
other
-
-
-
123
income
-
-
-
17 410
total
-
-
-
54 457
Employee
104 555
-
93 397
-
pensions
4 915
-
4 438
-
other
102
-
97
-
unemployment
1 621
-
1 465
-
income
20 157
-
17 635
-
total
26 795
-
23 635
-
Employer
104 555
-
93 397
-
pensions
24 673
-
22 285
-
accident
2 071
-
1 867
-
unemployment
5 752
-
5 194
-
other
837
-
757
-
total
33 333
-
30 103
-
Corporate
-
123 500
-
-
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.

-
18 523
-
-
total
-
18 523
-
-
Dividends
-
104 977
-
-
withholding
-
21 400
-
-
total
-
21 400
-
-
Income
123 500
123 500
123 500
123 500
Total tax
60 128
39 923
53 738
54 457
After tax
63 372
83 577
69 762
69 043
Living cost
77 757
77 757
77 757
77 757
Free-cash
-14 385
5 820
-7 995
-8 714

Estimated living cost  is ₽77757 per month

₽52485
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽7475
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1363
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.
₽16436
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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