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
₽ 137000
per

Your estimated
City
free-cash

Valencia , Spain
₽14882
-₽478
-₽1535
-₽885
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
-
-
-
137 000
unemployment
-
-
-
961
pensions
-
-
-
38 769
accident
-
-
-
1 234
other
-
-
-
140
income
-
-
-
19 674
total
-
-
-
60 778
Employee
104 555
-
103 881
-
pensions
4 915
-
4 883
-
other
102
-
102
-
unemployment
1 621
-
1 610
-
income
20 157
-
20 007
-
total
26 795
-
26 602
-
Employer
104 555
-
103 881
-
pensions
24 673
-
24 517
-
accident
2 071
-
2 055
-
unemployment
5 752
-
5 715
-
other
837
-
832
-
total
33 333
-
33 119
-
Corporate
-
137 000
-
-
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.

-
20 552
-
-
total
-
20 552
-
-
Dividends
-
116 448
-
-
withholding
-
23 809
-
-
total
-
23 809
-
-
Income
137 000
137 000
137 000
137 000
Total tax
60 128
44 361
59 721
60 778
After tax
76 872
92 639
77 279
76 222
Living cost
77 757
77 757
77 757
77 757
Free-cash
-885
14 882
-478
-1 535

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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