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
₽ 194000
per

Your estimated
City
free-cash

Valencia , Spain
-₽5258
-₽2846
₽18832
-₽4327
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
-
-
-
194 000
accident
-
-
-
1 745
income
-
-
-
27 764
pensions
-
-
-
54 901
other
-
-
-
194
unemployment
-
-
-
1 357
total
-
-
-
85 961
Employee
151 091
-
147 102
-
unemployment
2 342
-
2 280
-
pensions
7 103
-
6 917
-
income
29 129
-
28 237
-
other
147
-
147
-
total
38 721
-
37 581
-
Employer
151 091
-
147 102
-
pensions
35 655
-
34 716
-
other
1 210
-
1 179
-
unemployment
8 313
-
8 088
-
accident
2 993
-
2 916
-
total
48 171
-
46 899
-
Corporate
-
194 000
-
-
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.

-
29 102
-
-
total
-
29 102
-
-
Dividends
-
164 898
-
-
withholding
-
33 700
-
-
total
-
33 700
-
-
Income
194 000
194 000
194 000
194 000
Total tax
86 892
62 802
84 480
85 961
After tax
107 108
131 198
109 520
108 039
Living cost
112 366
112 366
112 366
112 366
Free-cash
-5 258
18 832
-2 846
-4 327

Estimated living cost  is ₽112366 per month

₽75845
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽10802
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1970
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.
₽23752
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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