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
₽ 148000
per

Your estimated
City
free-cash

Valencia , Spain
-₽17566
-₽42394
-₽61117
-₽34123
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
-
-
-
148 000
income
-
-
-
19 796
pensions
-
-
-
41 886
unemployment
-
-
-
1 034
other
-
-
-
146
accident
-
-
-
1 335
total
-
-
-
64 197
Employee
158 567
-
102 346
-
unemployment
2 458
-
2 222
-
income
30 570
-
17 716
-
pensions
7 454
-
6 730
-
other
155
-
146
-
total
40 637
-
26 814
-
Employer
158 567
-
102 346
-
unemployment
8 724
-
7 878
-
pensions
37 419
-
33 797
-
accident
3 141
-
2 832
-
other
1 270
-
1 147
-
total
50 554
-
45 654
-
Corporate
-
148 000
-
-
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.

-
22 201
-
-
total
-
22 201
-
-
Dividends
-
125 799
-
-
withholding
-
25 439
-
-
total
-
25 439
-
-
Income
148 000
148 000
148 000
148 000
Total tax
91 191
47 640
72 468
64 197
After tax
56 809
100 360
75 532
83 803
Living cost
117 926
117 926
117 926
117 926
Free-cash
-61 117
-17 566
-42 394
-34 123

Estimated living cost  is ₽117926 per month

₽79598
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽11336
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽2067
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.
₽24927
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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Source of data for Valencia model

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