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
₽22563
₽555
-₽1086
₽441
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
-
-
-
199
unemployment
-
-
-
1 382
pensions
-
-
-
55 751
income
-
-
-
28 345
accident
-
-
-
1 771
total
-
-
-
87 448
Employee
148 767
-
149 380
-
unemployment
2 306
-
2 313
-
income
28 681
-
28 819
-
pensions
6 994
-
7 024
-
other
145
-
153
-
total
38 126
-
38 309
-
Employer
148 767
-
149 380
-
accident
2 947
-
2 955
-
pensions
35 106
-
35 251
-
other
1 191
-
1 191
-
unemployment
8 185
-
8 215
-
total
47 429
-
47 612
-
Corporate
804
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.

122
29 548
-
-
total
122
29 548
-
-
Dividends
681
167 452
-
-
withholding
130
34 251
-
-
total
130
34 251
-
-
Income
197 000
197 000
197 000
197 000
Total tax
85 807
63 799
85 921
87 448
After tax
111 193
133 201
111 079
109 552
Living cost
110 638
110 638
110 638
110 638
Free-cash
555
22 563
441
-1 086

Estimated living cost  is ₽110638 per month

₽74679
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽10636
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1939
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.
₽23386
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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