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
-₽4859
-₽2621
₽19394
-₽4145
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
accident
-
-
-
1 775
income
-
-
-
28 206
pensions
-
-
-
55 751
other
-
-
-
196
unemployment
-
-
-
1 383
total
-
-
-
87 311
Employee
153 065
-
149 371
-
unemployment
2 372
-
2 317
-
pensions
7 196
-
7 023
-
income
29 510
-
28 685
-
other
149
-
149
-
total
39 227
-
38 174
-
Employer
153 065
-
149 371
-
pensions
36 120
-
35 248
-
other
1 225
-
1 194
-
unemployment
8 421
-
8 217
-
accident
3 032
-
2 954
-
total
48 798
-
47 613
-
Corporate
-
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.

-
29 553
-
-
total
-
29 553
-
-
Dividends
-
167 447
-
-
withholding
-
34 219
-
-
total
-
34 219
-
-
Income
197 000
197 000
197 000
197 000
Total tax
88 025
63 772
85 787
87 311
After tax
108 975
133 228
111 213
109 689
Living cost
113 834
113 834
113 834
113 834
Free-cash
-4 859
19 394
-2 621
-4 145

Estimated living cost  is ₽113834 per month

₽76836
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽10943
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1995
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.
₽24062
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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