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
₽ 133000
per

Your estimated
City
free-cash

Valencia , Spain
₽11851
-₽2968
-₽4000
-₽5507
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
-
-
-
133 000
unemployment
-
-
-
933
pensions
-
-
-
37 640
accident
-
-
-
1 197
other
-
-
-
135
income
-
-
-
18 987
total
-
-
-
58 892
Employee
105 027
-
100 853
-
pensions
4 937
-
4 738
-
other
102
-
102
-
unemployment
1 628
-
1 563
-
income
20 248
-
19 310
-
total
26 915
-
25 713
-
Employer
105 027
-
100 853
-
pensions
24 784
-
23 803
-
accident
2 081
-
1 994
-
unemployment
5 778
-
5 547
-
other
841
-
803
-
total
33 484
-
32 147
-
Corporate
-
133 000
-
-
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.

-
19 949
-
-
total
-
19 949
-
-
Dividends
-
113 051
-
-
withholding
-
23 092
-
-
total
-
23 092
-
-
Income
133 000
133 000
133 000
133 000
Total tax
60 399
43 041
57 860
58 892
After tax
72 601
89 959
75 140
74 108
Living cost
78 108
78 108
78 108
78 108
Free-cash
-5 507
11 851
-2 968
-4 000

Estimated living cost  is ₽78108 per month

₽52722
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽7509
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1369
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.
₽16510
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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