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
-₽4349
₽17602
-₽5873
-₽8067
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
pensions
-
-
-
55 751
accident
-
-
-
1 772
unemployment
-
-
-
1 381
other
-
-
-
200
income
-
-
-
28 127
total
-
-
-
87 231
Employee
155 497
-
149 373
-
unemployment
2 410
-
2 314
-
pensions
7 310
-
7 023
-
other
152
-
152
-
income
29 979
-
28 606
-
total
39 851
-
38 095
-
Employer
155 497
-
149 373
-
pensions
36 694
-
35 250
-
other
1 245
-
1 189
-
unemployment
8 555
-
8 212
-
accident
3 080
-
2 961
-
total
49 574
-
47 612
-
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.

-
29 552
-
-
total
-
29 552
-
-
Dividends
-
167 448
-
-
withholding
-
34 204
-
-
total
-
34 204
-
-
Income
197 000
197 000
197 000
197 000
Total tax
89 425
63 756
85 707
87 231
After tax
107 575
133 244
111 293
109 769
Living cost
115 642
115 642
115 642
115 642
Free-cash
-8 067
17 602
-4 349
-5 873

Estimated living cost  is ₽115642 per month

₽78057
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽11117
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽2027
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.
₽24444
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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Source

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