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
₽ 146000
per

Your estimated
City
free-cash

Valencia , Spain
₽20577
₽4042
₽2921
₽5165
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
-
-
-
146 000
unemployment
-
-
-
1 024
pensions
-
-
-
41 316
accident
-
-
-
1 315
other
-
-
-
146
income
-
-
-
21 170
total
-
-
-
64 971
Employee
105 027
-
110 705
-
pensions
4 937
-
5 202
-
other
102
-
113
-
unemployment
1 628
-
1 714
-
income
20 248
-
21 526
-
total
26 915
-
28 555
-
Employer
105 027
-
110 705
-
pensions
24 784
-
26 126
-
accident
2 081
-
2 194
-
unemployment
5 778
-
6 091
-
other
841
-
884
-
total
33 484
-
35 295
-
Corporate
7 489
146 000
-
-
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.

1 121
21 900
-
-
total
1 121
21 900
-
-
Dividends
6 368
124 100
-
-
withholding
1 207
25 415
-
-
total
1 207
25 415
-
-
Income
146 000
146 000
146 000
146 000
Total tax
62 727
47 315
63 850
64 971
After tax
83 273
98 685
82 150
81 029
Living cost
78 108
78 108
78 108
78 108
Free-cash
5 165
20 577
4 042
2 921

Estimated living cost  is ₽78108 per month

₽52722
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽7509
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1369
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.
₽16510
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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