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
₽3200
₽6014
₽4710
₽26993
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
other
-
-
-
198
pensions
-
-
-
55 749
income
-
-
-
28 534
accident
-
-
-
1 773
unemployment
-
-
-
1 377
total
-
-
-
87 631
Employee
142 759
-
149 376
-
pensions
6 711
-
7 019
-
income
27 523
-
29 017
-
other
139
-
147
-
unemployment
2 213
-
2 315
-
total
36 586
-
38 498
-
Employer
142 759
-
149 376
-
pensions
33 688
-
35 256
-
other
1 143
-
1 194
-
unemployment
7 854
-
8 213
-
accident
2 828
-
2 960
-
total
45 513
-
47 623
-
Corporate
8 728
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.

1 311
29 549
-
-
total
1 311
29 549
-
-
Dividends
7 416
167 451
-
-
withholding
1 407
34 289
-
-
total
1 407
34 289
-
-
Income
197 000
197 000
197 000
197 000
Total tax
84 817
63 838
86 121
87 631
After tax
112 183
133 162
110 879
109 369
Living cost
106 169
106 169
106 169
106 169
Free-cash
6 014
26 993
4 710
3 200

Estimated living cost  is ₽106169 per month

₽71663
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽10206
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1861
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.
₽22442
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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