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
₽ 187000
per

Your estimated
City
free-cash

Valencia , Spain
₽54469
₽30338
₽29011
₽40791
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
-
-
-
187 000
unemployment
-
-
-
1 311
pensions
-
-
-
52 920
accident
-
-
-
1 682
other
-
-
-
188
income
-
-
-
30 193
total
-
-
-
86 294
Employee
96 403
-
141 798
-
pensions
4 532
-
6 664
-
other
94
-
143
-
unemployment
1 494
-
2 197
-
income
18 586
-
30 762
-
total
24 706
-
39 766
-
Employer
96 403
-
141 798
-
pensions
22 749
-
33 466
-
accident
1 910
-
2 805
-
unemployment
5 304
-
7 797
-
other
772
-
1 133
-
total
30 735
-
45 201
-
Corporate
59 862
187 000
-
-
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.

8 980
28 048
-
-
total
8 980
28 048
-
-
Dividends
50 882
158 952
-
-
withholding
10 093
32 788
-
-
total
10 093
32 788
-
-
Income
187 000
187 000
187 000
187 000
Total tax
74 514
60 836
84 967
86 294
After tax
112 486
126 164
102 033
100 706
Living cost
71 695
71 695
71 695
71 695
Free-cash
40 791
54 469
30 338
29 011

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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