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
₽ 154500
per

Your estimated
City
free-cash

Valencia , Spain
₽26724
₽8970
₽7867
₽11554
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
-
-
-
154 500
unemployment
-
-
-
1 083
pensions
-
-
-
43 723
accident
-
-
-
1 388
other
-
-
-
155
income
-
-
-
22 620
total
-
-
-
68 969
Employee
104 429
-
117 149
-
pensions
4 909
-
5 504
-
other
102
-
118
-
unemployment
1 619
-
1 817
-
income
20 133
-
23 081
-
total
26 763
-
30 520
-
Employer
104 429
-
117 149
-
pensions
24 643
-
27 645
-
accident
2 069
-
2 321
-
unemployment
5 745
-
6 442
-
other
836
-
938
-
total
33 293
-
37 346
-
Corporate
16 777
154 500
-
-
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.

2 519
23 175
-
-
total
2 519
23 175
-
-
Dividends
14 258
131 325
-
-
withholding
2 707
26 937
-
-
total
2 707
26 937
-
-
Income
154 500
154 500
154 500
154 500
Total tax
65 282
50 112
67 866
68 969
After tax
89 218
104 388
86 634
85 531
Living cost
77 664
77 664
77 664
77 664
Free-cash
11 554
26 724
8 970
7 867

Estimated living cost  is ₽77664 per month

₽52422
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽7466
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1361
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.
₽16416
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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