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
-₽8141
₽13224
-₽9632
-₽15091
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
pensions
-
-
-
54 622
accident
-
-
-
1 733
unemployment
-
-
-
1 352
other
-
-
-
194
income
-
-
-
27 384
total
-
-
-
85 285
Employee
157 789
-
146 347
-
unemployment
2 446
-
2 267
-
pensions
7 418
-
6 875
-
other
154
-
146
-
income
30 421
-
27 853
-
total
40 439
-
37 141
-
Employer
157 789
-
146 347
-
pensions
37 235
-
34 538
-
other
1 263
-
1 166
-
unemployment
8 681
-
8 050
-
accident
3 126
-
2 899
-
total
50 305
-
46 653
-
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.

-
28 951
-
-
total
-
28 951
-
-
Dividends
-
164 049
-
-
withholding
-
33 478
-
-
total
-
33 478
-
-
Income
193 000
193 000
193 000
193 000
Total tax
90 744
62 429
83 794
85 285
After tax
102 256
130 571
109 206
107 715
Living cost
117 347
117 347
117 347
117 347
Free-cash
-15 091
13 224
-8 141
-9 632

Estimated living cost  is ₽117347 per month

₽79208
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽11281
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽2057
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.
₽24804
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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