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

Madrid , Spain
₽89340
₽75145
₽95458
₽71223
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
-
-
-
780
unemployment
-
-
-
607
pensions
-
-
-
24 517
other
-
-
-
87
income
-
-
-
59 015
total
-
-
-
85 006
Employee
45 141
-
165 381
-
pensions
2 121
-
4 073
-
other
44
-
87
-
income
9 428
-
55 806
-
unemployment
699
-
1 343
-
total
12 292
-
61 309
-
Employer
45 141
-
165 381
-
accident
894
-
1 715
-
other
362
-
694
-
unemployment
2 483
-
4 764
-
pensions
10 653
-
20 446
-
total
14 392
-
27 619
-
Corporate
133 467
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.

20 020
28 949
-
-
total
20 020
28 949
-
-
Dividends
113 447
164 051
-
-
withholding
24 107
35 744
-
-
total
24 107
35 744
-
-
Income
193 000
193 000
193 000
193 000
Total tax
70 811
64 693
88 928
85 006
After tax
122 189
128 307
104 072
107 994
Living cost
32 849
32 849
32 849
32 849
Free-cash
89 340
95 458
71 223
75 145

Estimated living cost  is ₽32849 per week

₽23591
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2554
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽463
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.
₽6242
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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