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
₽ 170000
per

Your estimated
City
free-cash

Valencia , Spain
₽42967
₽21818
₽20609
₽29279
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
-
-
-
170 000
unemployment
-
-
-
1 189
pensions
-
-
-
48 109
accident
-
-
-
1 531
other
-
-
-
168
income
-
-
-
26 613
total
-
-
-
77 610
Employee
96 519
-
128 905
-
pensions
4 537
-
6 058
-
other
94
-
129
-
unemployment
1 496
-
1 996
-
income
18 608
-
27 128
-
total
24 735
-
35 311
-
Employer
96 519
-
128 905
-
pensions
22 776
-
30 420
-
accident
1 912
-
2 551
-
unemployment
5 310
-
7 089
-
other
773
-
1 030
-
total
30 771
-
41 090
-
Corporate
42 710
170 000
-
-
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.

6 405
25 501
-
-
total
6 405
25 501
-
-
Dividends
36 305
144 499
-
-
withholding
7 029
29 751
-
-
total
7 029
29 751
-
-
Income
170 000
170 000
170 000
170 000
Total tax
68 940
55 252
76 401
77 610
After tax
101 060
114 748
93 599
92 390
Living cost
71 781
71 781
71 781
71 781
Free-cash
29 279
42 967
21 818
20 609

Estimated living cost  is ₽71781 per month

₽48451
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6900
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1258
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.
₽15173
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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