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
-₽1890
-₽21289
-₽33085
-₽18990
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
accident
-
-
-
1 332
unemployment
-
-
-
1 036
pensions
-
-
-
41 881
other
-
-
-
148
income
-
-
-
20 475
total
-
-
-
64 872
Employee
137 311
-
108 466
-
pensions
6 455
-
5 828
-
income
26 473
-
19 757
-
unemployment
2 128
-
1 924
-
other
134
-
127
-
total
35 190
-
27 636
-
Employer
137 311
-
108 466
-
other
1 099
-
994
-
unemployment
7 555
-
6 822
-
accident
2 720
-
2 452
-
pensions
32 403
-
29 267
-
total
43 777
-
39 535
-
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.

-
22 198
-
-
total
-
22 198
-
-
Dividends
-
125 802
-
-
withholding
-
25 574
-
-
total
-
25 574
-
-
Income
148 000
148 000
148 000
148 000
Total tax
78 967
47 772
67 171
64 872
After tax
69 033
100 228
80 829
83 128
Living cost
102 118
102 118
102 118
102 118
Free-cash
-33 085
-1 890
-21 289
-18 990

Estimated living cost  is ₽102118 per month

₽68928
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽9817
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1790
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.
₽21585
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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Estimated living cost

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