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
-₽24953
-₽51303
-₽72117
-₽40252
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
income
-
-
-
18 221
pensions
-
-
-
38 770
unemployment
-
-
-
960
other
-
-
-
138
accident
-
-
-
1 237
total
-
-
-
59 326
Employee
158 567
-
91 346
-
unemployment
2 458
-
2 222
-
income
30 570
-
15 625
-
pensions
7 454
-
6 730
-
other
155
-
146
-
total
40 637
-
24 723
-
Employer
158 567
-
91 346
-
unemployment
8 724
-
7 878
-
pensions
37 419
-
33 797
-
accident
3 141
-
2 832
-
other
1 270
-
1 147
-
total
50 554
-
45 654
-
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.

-
20 549
-
-
total
-
20 549
-
-
Dividends
-
116 451
-
-
withholding
-
23 478
-
-
total
-
23 478
-
-
Income
137 000
137 000
137 000
137 000
Total tax
91 191
44 027
70 377
59 326
After tax
45 809
92 973
66 623
77 674
Living cost
117 926
117 926
117 926
117 926
Free-cash
-72 117
-24 953
-51 303
-40 252

Estimated living cost  is ₽117926 per month

₽79598
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽11336
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽2067
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.
₽24927
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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