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

Madrid , Spain
₽71773
₽56539
₽60380
₽77763
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
-
-
-
594
income
-
-
-
46 988
other
-
-
-
85
accident
-
-
-
764
pensions
-
-
-
24 014
total
-
-
-
72 445
Employee
44 215
-
137 948
-
unemployment
685
-
1 315
-
pensions
2 078
-
3 989
-
income
9 235
-
43 845
-
other
43
-
85
-
total
12 041
-
49 234
-
Employer
44 215
-
137 948
-
pensions
10 435
-
20 026
-
accident
876
-
1 680
-
unemployment
2 432
-
4 667
-
other
354
-
679
-
total
14 097
-
27 052
-
Corporate
106 688
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.

16 003
24 750
-
-
total
16 003
24 750
-
-
Dividends
90 685
140 250
-
-
withholding
18 911
30 312
-
-
total
18 911
30 312
-
-
Income
165 000
165 000
165 000
165 000
Total tax
61 052
55 062
76 286
72 445
After tax
103 948
109 938
88 714
92 555
Living cost
32 175
32 175
32 175
32 175
Free-cash
71 773
77 763
56 539
60 380

Estimated living cost  is ₽32175 per week

₽23107
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2502
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽453
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.
₽6114
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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