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
₽ 172000
per

Your estimated
City
free-cash

Valencia , Spain
₽44397
₽22876
₽21665
₽30718
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
-
-
-
172 000
unemployment
-
-
-
1 202
pensions
-
-
-
48 675
accident
-
-
-
1 549
other
-
-
-
173
income
-
-
-
27 041
total
-
-
-
78 640
Employee
96 403
-
130 420
-
pensions
4 532
-
6 130
-
other
94
-
129
-
unemployment
1 494
-
2 024
-
income
18 586
-
27 566
-
total
24 706
-
35 849
-
Employer
96 403
-
130 420
-
pensions
22 749
-
30 779
-
accident
1 910
-
2 583
-
unemployment
5 304
-
7 174
-
other
772
-
1 044
-
total
30 735
-
41 580
-
Corporate
44 862
172 000
-
-
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.

6 729
25 802
-
-
total
6 729
25 802
-
-
Dividends
38 133
146 198
-
-
withholding
7 417
30 106
-
-
total
7 417
30 106
-
-
Income
172 000
172 000
172 000
172 000
Total tax
69 587
55 908
77 429
78 640
After tax
102 413
116 092
94 571
93 360
Living cost
71 695
71 695
71 695
71 695
Free-cash
30 718
44 397
22 876
21 665

Estimated living cost  is ₽71695 per month

₽48393
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6892
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1257
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.
₽15155
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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