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
₽ 165000
per

Your estimated
City
free-cash

Valencia , Spain
₽33335
₽13799
₽12634
₽18240
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
-
-
-
165 000
unemployment
-
-
-
1 154
pensions
-
-
-
46 695
accident
-
-
-
1 482
other
-
-
-
167
income
-
-
-
24 760
total
-
-
-
74 258
Employee
105 027
-
125 112
-
pensions
4 937
-
5 881
-
other
102
-
124
-
unemployment
1 628
-
1 940
-
income
20 248
-
25 261
-
total
26 915
-
33 206
-
Employer
105 027
-
125 112
-
pensions
24 784
-
29 528
-
accident
2 081
-
2 479
-
unemployment
5 778
-
6 883
-
other
841
-
997
-
total
33 484
-
39 887
-
Corporate
26 489
165 000
-
-
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.

3 973
24 752
-
-
total
3 973
24 752
-
-
Dividends
22 517
140 248
-
-
withholding
4 280
28 805
-
-
total
4 280
28 805
-
-
Income
165 000
165 000
165 000
165 000
Total tax
68 652
53 557
73 093
74 258
After tax
96 348
111 443
91 907
90 742
Living cost
78 108
78 108
78 108
78 108
Free-cash
18 240
33 335
13 799
12 634

Estimated living cost  is ₽78108 per month

₽52722
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽7509
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1369
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.
₽16510
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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