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
-₽70650
-₽39459
-₽25589
-₽50609
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
accident
-
-
-
1 114
unemployment
-
-
-
871
pensions
-
-
-
35 095
other
-
-
-
121
income
-
-
-
16 491
total
-
-
-
53 692
Employee
147 597
-
81 504
-
pensions
6 939
-
6 265
-
other
144
-
136
-
income
28 456
-
13 877
-
unemployment
2 288
-
2 068
-
total
37 827
-
22 346
-
Employer
147 597
-
81 504
-
accident
2 924
-
2 636
-
other
1 182
-
1 068
-
unemployment
8 120
-
7 333
-
pensions
34 830
-
31 459
-
total
47 056
-
42 496
-
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.

-
18 597
-
-
total
-
18 597
-
-
Dividends
-
105 403
-
-
withholding
-
21 225
-
-
total
-
21 225
-
-
Income
124 000
124 000
124 000
124 000
Total tax
84 883
39 822
64 842
53 692
After tax
39 117
84 178
59 158
70 308
Living cost
109 767
109 767
109 767
109 767
Free-cash
-70 650
-25 589
-50 609
-39 459

Estimated living cost  is ₽109767 per month

₽74091
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽10552
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1924
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.
₽23202
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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