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
₽ 193000
per

Your estimated
City
free-cash

Valencia , Spain
-₽6011
-₽3239
₽18302
-₽4727
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
-
-
-
193 000
accident
-
-
-
1 735
income
-
-
-
27 606
pensions
-
-
-
54 616
other
-
-
-
194
unemployment
-
-
-
1 348
total
-
-
-
85 499
Employee
150 905
-
146 345
-
unemployment
2 339
-
2 269
-
pensions
7 094
-
6 877
-
income
29 093
-
28 071
-
other
147
-
147
-
total
38 673
-
37 364
-
Employer
150 905
-
146 345
-
pensions
35 611
-
34 534
-
other
1 208
-
1 169
-
unemployment
8 302
-
8 047
-
accident
2 989
-
2 897
-
total
48 110
-
46 647
-
Corporate
-
193 000
-
-
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.

-
28 950
-
-
total
-
28 950
-
-
Dividends
-
164 050
-
-
withholding
-
33 520
-
-
total
-
33 520
-
-
Income
193 000
193 000
193 000
193 000
Total tax
86 783
62 470
84 011
85 499
After tax
106 217
130 530
108 989
107 501
Living cost
112 228
112 228
112 228
112 228
Free-cash
-6 011
18 302
-3 239
-4 727

Estimated living cost  is ₽112228 per month

₽75752
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽10789
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1967
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.
₽23722
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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Estimated living cost

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