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
₽ 154000
per

Your estimated
City
free-cash

Valencia , Spain
₽32228
₽13857
₽12762
₽18391
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
-
-
-
154 000
unemployment
-
-
-
1 080
pensions
-
-
-
43 581
accident
-
-
-
1 387
other
-
-
-
154
income
-
-
-
23 255
total
-
-
-
69 457
Employee
96 519
-
116 774
-
pensions
4 537
-
5 489
-
other
94
-
119
-
unemployment
1 496
-
1 808
-
income
18 608
-
23 720
-
total
24 735
-
31 136
-
Employer
96 519
-
116 774
-
pensions
22 776
-
27 557
-
accident
1 912
-
2 313
-
unemployment
5 310
-
6 425
-
other
773
-
931
-
total
30 771
-
37 226
-
Corporate
26 710
154 000
-
-
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.

4 007
23 098
-
-
total
4 007
23 098
-
-
Dividends
22 702
130 902
-
-
withholding
4 315
26 893
-
-
total
4 315
26 893
-
-
Income
154 000
154 000
154 000
154 000
Total tax
63 828
49 991
68 362
69 457
After tax
90 172
104 009
85 638
84 543
Living cost
71 781
71 781
71 781
71 781
Free-cash
18 391
32 228
13 857
12 762

Estimated living cost  is ₽71781 per month

₽48451
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6900
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1258
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.
₽15173
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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