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
₽1841
₽23609
₽1448
-₽73
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
-
-
-
197
unemployment
-
-
-
1 376
income
-
-
-
28 393
pensions
-
-
-
55 751
accident
-
-
-
1 770
total
-
-
-
87 487
Employee
147 353
-
149 371
-
unemployment
2 284
-
2 314
-
other
144
-
151
-
pensions
6 927
-
7 018
-
income
28 408
-
28 862
-
total
37 763
-
38 345
-
Employer
147 353
-
149 371
-
other
1 180
-
1 202
-
accident
2 919
-
2 957
-
pensions
34 772
-
35 249
-
unemployment
8 107
-
8 213
-
total
46 978
-
47 621
-
Corporate
2 669
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.

401
29 547
-
-
total
401
29 547
-
-
Dividends
2 268
167 453
-
-
withholding
431
34 258
-
-
total
431
34 258
-
-
Income
197 000
197 000
197 000
197 000
Total tax
85 573
63 805
85 966
87 487
After tax
111 427
133 195
111 034
109 513
Living cost
109 586
109 586
109 586
109 586
Free-cash
1 841
23 609
1 448
-73

Estimated living cost  is ₽109586 per month

₽73969
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽10535
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1921
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.
₽23164
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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