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
₽ 197000
per

Your estimated
City
free-cash

Valencia , Spain
₽3394
₽25627
₽1864
₽4321
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
-
-
-
197 000
income
-
-
-
28 475
pensions
-
-
-
55 755
other
-
-
-
200
unemployment
-
-
-
1 381
accident
-
-
-
1 774
total
-
-
-
87 585
Employee
144 617
-
149 373
-
unemployment
2 241
-
2 316
-
pensions
6 799
-
7 021
-
other
141
-
148
-
income
27 881
-
28 950
-
total
37 062
-
38 435
-
Employer
144 617
-
149 373
-
accident
2 865
-
2 954
-
other
1 158
-
1 195
-
unemployment
7 956
-
8 216
-
pensions
34 127
-
35 255
-
total
46 106
-
47 620
-
Corporate
6 277
197 000
-
-
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.

943
29 547
-
-
total
943
29 547
-
-
Dividends
5 335
167 453
-
-
withholding
1 017
34 275
-
-
total
1 017
34 275
-
-
Income
197 000
197 000
197 000
197 000
Total tax
85 128
63 822
86 055
87 585
After tax
111 872
133 178
110 945
109 415
Living cost
107 551
107 551
107 551
107 551
Free-cash
4 321
25 627
3 394
1 864

Estimated living cost  is ₽107551 per month

₽72595
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽10339
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1885
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.
₽22734
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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