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
₽ 163000
per

Your estimated
City
free-cash

Valencia , Spain
₽38510
₽18544
₽17394
₽24867
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
-
-
-
163 000
unemployment
-
-
-
1 140
pensions
-
-
-
46 128
accident
-
-
-
1 466
other
-
-
-
163
income
-
-
-
25 174
total
-
-
-
74 071
Employee
96 189
-
123 596
-
pensions
4 522
-
5 810
-
other
94
-
123
-
unemployment
1 491
-
1 915
-
income
18 544
-
25 668
-
total
24 651
-
33 516
-
Employer
96 189
-
123 596
-
pensions
22 699
-
29 171
-
accident
1 906
-
2 449
-
unemployment
5 292
-
6 798
-
other
770
-
987
-
total
30 667
-
39 405
-
Corporate
36 145
163 000
-
-
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.

5 420
24 451
-
-
total
5 420
24 451
-
-
Dividends
30 724
138 549
-
-
withholding
5 860
28 504
-
-
total
5 860
28 504
-
-
Income
163 000
163 000
163 000
163 000
Total tax
66 598
52 955
72 921
74 071
After tax
96 402
110 045
90 079
88 929
Living cost
71 535
71 535
71 535
71 535
Free-cash
24 867
38 510
18 544
17 394

Estimated living cost  is ₽71535 per month

₽48285
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6877
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1254
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.
₽15121
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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