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
₽ 124000
per

Your estimated
City
free-cash

Valencia , Spain
-₽79724
-₽57649
-₽44575
-₽30669
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
-
-
-
124 000
unemployment
-
-
-
864
accident
-
-
-
1 118
pensions
-
-
-
35 090
income
-
-
-
16 491
other
-
-
-
127
total
-
-
-
53 690
Employee
154 479
-
79 523
-
other
151
-
143
-
income
29 782
-
13 422
-
pensions
7 262
-
6 557
-
unemployment
2 394
-
2 164
-
total
39 589
-
22 286
-
Employer
154 479
-
79 523
-
accident
3 060
-
2 759
-
unemployment
8 499
-
7 675
-
pensions
36 454
-
32 926
-
other
1 237
-
1 118
-
total
49 250
-
44 478
-
Corporate
-
124 000
-
-
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.

-
18 600
-
-
total
-
18 600
-
-
Dividends
-
105 400
-
-
withholding
-
21 184
-
-
total
-
21 184
-
-
Income
124 000
124 000
124 000
124 000
Total tax
88 839
39 784
66 764
53 690
After tax
35 161
84 216
57 236
70 310
Living cost
114 885
114 885
114 885
114 885
Free-cash
-79 724
-30 669
-57 649
-44 575

Estimated living cost  is ₽114885 per month

₽77546
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽11044
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽2014
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.
₽24284
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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