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
₽ 139500
per

Your estimated
City
free-cash

Valencia , Spain
₽22488
₽6595
₽5519
₽8408
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
-
-
-
139 500
unemployment
-
-
-
976
pensions
-
-
-
39 480
accident
-
-
-
1 253
other
-
-
-
139
income
-
-
-
20 352
total
-
-
-
62 200
Employee
96 519
-
105 771
-
pensions
4 537
-
4 973
-
other
94
-
104
-
unemployment
1 496
-
1 640
-
income
18 608
-
20 689
-
total
24 735
-
27 406
-
Employer
96 519
-
105 771
-
pensions
22 776
-
24 961
-
accident
1 912
-
2 095
-
unemployment
5 310
-
5 815
-
other
773
-
847
-
total
30 771
-
33 718
-
Corporate
12 210
139 500
-
-
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.

1 833
20 924
-
-
total
1 833
20 924
-
-
Dividends
10 377
118 576
-
-
withholding
1 972
24 307
-
-
total
1 972
24 307
-
-
Income
139 500
139 500
139 500
139 500
Total tax
59 311
45 231
61 124
62 200
After tax
80 189
94 269
78 376
77 300
Living cost
71 781
71 781
71 781
71 781
Free-cash
8 408
22 488
6 595
5 519

Estimated living cost  is ₽71781 per month

₽48451
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6900
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1258
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.
₽15173
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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