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
₽ 145000
per

Your estimated
City
free-cash

Madrid , Spain
₽58113
₽45271
₽49143
₽64437
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
-
-
-
145 000
unemployment
-
-
-
599
income
-
-
-
37 772
other
-
-
-
86
accident
-
-
-
770
pensions
-
-
-
24 202
total
-
-
-
63 429
Employee
44 562
-
117 735
-
unemployment
690
-
1 326
-
pensions
2 094
-
4 020
-
income
9 307
-
34 604
-
other
44
-
86
-
total
12 135
-
40 036
-
Employer
44 562
-
117 735
-
pensions
10 517
-
20 184
-
accident
883
-
1 693
-
unemployment
2 451
-
4 703
-
other
357
-
685
-
total
14 208
-
27 265
-
Corporate
86 230
145 000
-
-
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.

12 935
21 749
-
-
total
12 935
21 749
-
-
Dividends
73 295
123 251
-
-
withholding
15 181
26 386
-
-
total
15 181
26 386
-
-
Income
145 000
145 000
145 000
145 000
Total tax
54 459
48 135
67 301
63 429
After tax
90 541
96 865
77 699
81 571
Living cost
32 428
32 428
32 428
32 428
Free-cash
58 113
64 437
45 271
49 143

Estimated living cost  is ₽32428 per week

₽23288
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2521
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽457
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.
₽6162
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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