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
₽ 172500
per

Your estimated
City
free-cash

Valencia , Spain
₽44895
₽23269
₽22046
₽31247
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
-
-
-
172 500
unemployment
-
-
-
1 209
pensions
-
-
-
48 818
accident
-
-
-
1 550
other
-
-
-
173
income
-
-
-
27 169
total
-
-
-
78 919
Employee
96 189
-
130 800
-
pensions
4 522
-
6 146
-
other
94
-
128
-
unemployment
1 491
-
2 029
-
income
18 544
-
27 692
-
total
24 651
-
35 995
-
Employer
96 189
-
130 800
-
pensions
22 699
-
30 869
-
accident
1 906
-
2 592
-
unemployment
5 292
-
7 193
-
other
770
-
1 047
-
total
30 667
-
41 701
-
Corporate
45 645
172 500
-
-
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.

6 847
25 873
-
-
total
6 847
25 873
-
-
Dividends
38 798
146 627
-
-
withholding
7 553
30 197
-
-
total
7 553
30 197
-
-
Income
172 500
172 500
172 500
172 500
Total tax
69 718
56 070
77 696
78 919
After tax
102 782
116 430
94 804
93 581
Living cost
71 535
71 535
71 535
71 535
Free-cash
31 247
44 895
23 269
22 046

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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