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
₽ 189000
per

Your estimated
City
free-cash

Valencia , Spain
₽97919
₽93431
₽78015
₽73750
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
-
-
-
189 000
accident
-
-
-
848
income
-
-
-
54 792
pensions
-
-
-
26 651
other
-
-
-
94
unemployment
-
-
-
659
total
-
-
-
83 044
Employee
37 570
-
158 976
-
other
37
-
94
-
income
7 243
-
51 304
-
pensions
1 766
-
4 427
-
unemployment
582
-
1 460
-
total
9 628
-
57 285
-
Employer
37 570
-
158 976
-
accident
744
-
1 865
-
other
301
-
754
-
unemployment
2 067
-
5 179
-
pensions
8 866
-
22 226
-
total
11 978
-
30 024
-
Corporate
139 452
189 000
-
-
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.

20 919
28 350
-
-
total
20 919
28 350
-
-
Dividends
118 534
160 650
-
-
withholding
25 103
34 790
-
-
total
25 103
34 790
-
-
Income
189 000
189 000
189 000
189 000
Total tax
67 628
63 140
87 309
83 044
After tax
121 372
125 860
101 691
105 956
Living cost
27 941
27 941
27 941
27 941
Free-cash
93 431
97 919
73 750
78 015

Estimated living cost  is ₽27941 per week

₽18859
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2686
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽490
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.
₽5906
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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Source of data for Valencia model

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