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
₽ 138500
per

Your estimated
City
free-cash

Valencia , Spain
₽14918
-₽608
-₽1668
-₽1125
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
-
-
-
138 500
unemployment
-
-
-
967
pensions
-
-
-
39 193
accident
-
-
-
1 244
other
-
-
-
136
income
-
-
-
19 890
total
-
-
-
61 430
Employee
105 873
-
105 018
-
pensions
4 977
-
4 934
-
other
103
-
103
-
unemployment
1 641
-
1 630
-
income
20 412
-
20 221
-
total
27 133
-
26 888
-
Employer
105 873
-
105 018
-
pensions
24 984
-
24 783
-
accident
2 097
-
2 081
-
unemployment
5 825
-
5 776
-
other
848
-
842
-
total
33 754
-
33 482
-
Corporate
-
138 500
-
-
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.

-
20 773
-
-
total
-
20 773
-
-
Dividends
-
117 727
-
-
withholding
-
24 071
-
-
total
-
24 071
-
-
Income
138 500
138 500
138 500
138 500
Total tax
60 887
44 844
60 370
61 430
After tax
77 613
93 656
78 130
77 070
Living cost
78 738
78 738
78 738
78 738
Free-cash
-1 125
14 918
-608
-1 668

Estimated living cost  is ₽78738 per month

₽53147
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽7569
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1380
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.
₽16643
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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