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
₽ 192500
per

Your estimated
City
free-cash

Valencia , Spain
₽58163
₽33071
₽31704
₽44485
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
-
-
-
192 500
unemployment
-
-
-
1 346
pensions
-
-
-
54 479
accident
-
-
-
1 732
other
-
-
-
193
income
-
-
-
31 351
total
-
-
-
89 101
Employee
96 403
-
145 962
-
pensions
4 532
-
6 862
-
other
94
-
148
-
unemployment
1 494
-
2 261
-
income
18 586
-
31 930
-
total
24 706
-
41 201
-
Employer
96 403
-
145 962
-
pensions
22 749
-
34 446
-
accident
1 910
-
2 889
-
unemployment
5 304
-
8 030
-
other
772
-
1 168
-
total
30 735
-
46 533
-
Corporate
65 362
192 500
-
-
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.

9 806
28 874
-
-
total
9 806
28 874
-
-
Dividends
55 556
163 626
-
-
withholding
11 073
33 768
-
-
total
11 073
33 768
-
-
Income
192 500
192 500
192 500
192 500
Total tax
76 320
62 642
87 734
89 101
After tax
116 180
129 858
104 766
103 399
Living cost
71 695
71 695
71 695
71 695
Free-cash
44 485
58 163
33 071
31 704

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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