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
₽ 156500
per

Your estimated
City
free-cash

Valencia , Spain
-₽35220
-₽11623
-₽29364
-₽52194
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
-
-
-
156 500
pensions
-
-
-
44 287
accident
-
-
-
1 405
unemployment
-
-
-
1 096
other
-
-
-
154
income
-
-
-
21 234
total
-
-
-
68 176
Employee
158 247
-
110 938
-
unemployment
2 453
-
2 217
-
pensions
7 439
-
6 717
-
other
154
-
146
-
income
30 509
-
19 390
-
total
40 555
-
28 470
-
Employer
158 247
-
110 938
-
pensions
37 343
-
33 729
-
other
1 267
-
1 145
-
unemployment
8 706
-
7 862
-
accident
3 135
-
2 826
-
total
50 451
-
45 562
-
Corporate
-
156 500
-
-
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.

-
23 471
-
-
total
-
23 471
-
-
Dividends
-
133 029
-
-
withholding
-
26 964
-
-
total
-
26 964
-
-
Income
156 500
156 500
156 500
156 500
Total tax
91 006
50 435
74 032
68 176
After tax
65 494
106 065
82 468
88 324
Living cost
117 688
117 688
117 688
117 688
Free-cash
-52 194
-11 623
-35 220
-29 364

Estimated living cost  is ₽117688 per month

₽79438
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽11313
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽2063
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.
₽24877
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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