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
-₽43424
-₽24625
-₽7003
-₽28794
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
accident
-
-
-
1 383
unemployment
-
-
-
1 076
pensions
-
-
-
43 586
other
-
-
-
154
income
-
-
-
21 094
total
-
-
-
67 293
Employee
149 701
-
110 898
-
pensions
7 038
-
6 354
-
other
146
-
138
-
income
28 861
-
19 772
-
unemployment
2 320
-
2 097
-
total
38 365
-
28 361
-
Employer
149 701
-
110 898
-
accident
2 966
-
2 674
-
other
1 199
-
1 083
-
unemployment
8 236
-
7 437
-
pensions
35 326
-
31 907
-
total
47 727
-
43 101
-
Corporate
-
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.

-
23 103
-
-
total
-
23 103
-
-
Dividends
-
130 897
-
-
withholding
-
26 568
-
-
total
-
26 568
-
-
Income
154 000
154 000
154 000
154 000
Total tax
86 092
49 671
71 462
67 293
After tax
67 908
104 329
82 538
86 707
Living cost
111 332
111 332
111 332
111 332
Free-cash
-43 424
-7 003
-28 794
-24 625

Estimated living cost  is ₽111332 per month

₽75147
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽10702
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1951
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.
₽23533
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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