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
-₽27157
-₽6336
-₽23289
-₽41034
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
-
-
-
20 285
pensions
-
-
-
41 888
other
-
-
-
147
unemployment
-
-
-
1 037
accident
-
-
-
1 332
total
-
-
-
64 689
Employee
143 338
-
106 730
-
unemployment
2 222
-
2 008
-
pensions
6 739
-
6 084
-
other
140
-
132
-
income
27 634
-
19 064
-
total
36 735
-
27 288
-
Employer
143 338
-
106 730
-
accident
2 840
-
2 560
-
other
1 148
-
1 037
-
unemployment
7 886
-
7 121
-
pensions
33 825
-
30 551
-
total
45 699
-
41 269
-
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.

-
22 202
-
-
total
-
22 202
-
-
Dividends
-
125 798
-
-
withholding
-
25 534
-
-
total
-
25 534
-
-
Income
148 000
148 000
148 000
148 000
Total tax
82 434
47 736
68 557
64 689
After tax
65 566
100 264
79 443
83 311
Living cost
106 600
106 600
106 600
106 600
Free-cash
-41 034
-6 336
-27 157
-23 289

Estimated living cost  is ₽106600 per month

₽71953
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽10248
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1869
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.
₽22533
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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