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
₽ 149500
per

Your estimated
City
free-cash

Valencia , Spain
₽22929
₽5936
₽4781
₽7571
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
-
-
-
149 500
unemployment
-
-
-
1 046
pensions
-
-
-
42 308
accident
-
-
-
1 348
other
-
-
-
151
income
-
-
-
21 758
total
-
-
-
66 611
Employee
105 027
-
113 364
-
pensions
4 937
-
5 326
-
other
102
-
113
-
unemployment
1 628
-
1 757
-
income
20 248
-
22 124
-
total
26 915
-
29 320
-
Employer
105 027
-
113 364
-
pensions
24 784
-
26 752
-
accident
2 081
-
2 242
-
unemployment
5 778
-
6 236
-
other
841
-
906
-
total
33 484
-
36 136
-
Corporate
10 989
149 500
-
-
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.

1 649
22 423
-
-
total
1 649
22 423
-
-
Dividends
9 340
127 077
-
-
withholding
1 773
26 040
-
-
total
1 773
26 040
-
-
Income
149 500
149 500
149 500
149 500
Total tax
63 821
48 463
65 456
66 611
After tax
85 679
101 037
84 044
82 889
Living cost
78 108
78 108
78 108
78 108
Free-cash
7 571
22 929
5 936
4 781

Estimated living cost  is ₽78108 per month

₽52722
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽7509
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1369
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.
₽16510
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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