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
₽ 146500
per

Your estimated
City
free-cash

Valencia , Spain
₽27190
₽10127
₽9087
₽13229
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
-
-
-
146 500
unemployment
-
-
-
1 025
pensions
-
-
-
41 461
accident
-
-
-
1 318
other
-
-
-
149
income
-
-
-
21 679
total
-
-
-
65 632
Employee
96 519
-
111 087
-
pensions
4 537
-
5 221
-
other
94
-
109
-
unemployment
1 496
-
1 724
-
income
18 608
-
22 125
-
total
24 735
-
29 179
-
Employer
96 519
-
111 087
-
pensions
22 776
-
26 214
-
accident
1 912
-
2 199
-
unemployment
5 310
-
6 108
-
other
773
-
892
-
total
30 771
-
35 413
-
Corporate
19 210
146 500
-
-
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.

2 883
21 974
-
-
total
2 883
21 974
-
-
Dividends
16 327
124 526
-
-
withholding
3 101
25 555
-
-
total
3 101
25 555
-
-
Income
146 500
146 500
146 500
146 500
Total tax
61 490
47 529
64 592
65 632
After tax
85 010
98 971
81 908
80 868
Living cost
71 781
71 781
71 781
71 781
Free-cash
13 229
27 190
10 127
9 087

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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