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
₽ 140000
per

Your estimated
City
free-cash

Valencia , Spain
₽26014
₽9706
₽8713
₽12679
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
-
-
-
140 000
unemployment
-
-
-
979
pensions
-
-
-
39 622
accident
-
-
-
1 259
other
-
-
-
142
income
-
-
-
20 722
total
-
-
-
62 724
Employee
92 193
-
106 155
-
pensions
4 334
-
4 987
-
other
90
-
104
-
unemployment
1 429
-
1 647
-
income
17 774
-
21 148
-
total
23 627
-
27 886
-
Employer
92 193
-
106 155
-
pensions
21 756
-
25 053
-
accident
1 826
-
2 101
-
unemployment
5 072
-
5 839
-
other
738
-
852
-
total
29 392
-
33 845
-
Corporate
18 415
140 000
-
-
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.

2 763
20 999
-
-
total
2 763
20 999
-
-
Dividends
15 652
119 001
-
-
withholding
2 976
24 424
-
-
total
2 976
24 424
-
-
Income
140 000
140 000
140 000
140 000
Total tax
58 758
45 423
61 731
62 724
After tax
81 242
94 577
78 269
77 276
Living cost
68 563
68 563
68 563
68 563
Free-cash
12 679
26 014
9 706
8 713

Estimated living cost  is ₽68563 per month

₽46279
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6591
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1202
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.
₽14493
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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