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
₽ 147500
per

Your estimated
City
free-cash

Valencia , Spain
₽21932
₽5183
₽4061
₽6621
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
-
-
-
147 500
unemployment
-
-
-
1 030
pensions
-
-
-
41 742
accident
-
-
-
1 325
other
-
-
-
145
income
-
-
-
21 440
total
-
-
-
65 682
Employee
104 555
-
111 843
-
pensions
4 915
-
5 259
-
other
102
-
113
-
unemployment
1 621
-
1 733
-
income
20 157
-
21 799
-
total
26 795
-
28 904
-
Employer
104 555
-
111 843
-
pensions
24 673
-
26 395
-
accident
2 071
-
2 216
-
unemployment
5 752
-
6 149
-
other
837
-
896
-
total
33 333
-
35 656
-
Corporate
9 612
147 500
-
-
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.

1 443
22 124
-
-
total
1 443
22 124
-
-
Dividends
8 168
125 376
-
-
withholding
1 551
25 687
-
-
total
1 551
25 687
-
-
Income
147 500
147 500
147 500
147 500
Total tax
63 122
47 811
64 560
65 682
After tax
84 378
99 689
82 940
81 818
Living cost
77 757
77 757
77 757
77 757
Free-cash
6 621
21 932
5 183
4 061

Estimated living cost  is ₽77757 per month

₽52485
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽7475
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1363
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.
₽16436
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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