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
₽16529
-₽9994
-₽6908
-₽5395
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
unemployment
-
-
-
1 377
accident
-
-
-
1 772
income
-
-
-
28 085
pensions
-
-
-
55 752
other
-
-
-
193
total
-
-
-
87 179
Employee
156 958
-
149 376
-
pensions
7 379
-
7 024
-
unemployment
2 433
-
2 312
-
income
30 260
-
28 561
-
other
153
-
153
-
total
40 225
-
38 050
-
Employer
156 958
-
149 376
-
pensions
37 039
-
35 251
-
accident
3 109
-
2 956
-
other
1 257
-
1 192
-
unemployment
8 635
-
8 217
-
total
50 040
-
47 616
-
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.

-
29 547
-
-
total
-
29 547
-
-
Dividends
-
167 453
-
-
withholding
-
34 195
-
-
total
-
34 195
-
-
Income
197 000
197 000
197 000
197 000
Total tax
90 265
63 742
85 666
87 179
After tax
106 735
133 258
111 334
109 821
Living cost
116 729
116 729
116 729
116 729
Free-cash
-9 994
16 529
-5 395
-6 908

Estimated living cost  is ₽116729 per month

₽78790
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽11221
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽2046
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.
₽24674
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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