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
₽2237
₽1746
₽23926
₽238
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
-
-
-
1 772
income
-
-
-
28 400
pensions
-
-
-
55 752
other
-
-
-
196
unemployment
-
-
-
1 380
total
-
-
-
87 500
Employee
146 917
-
149 377
-
unemployment
2 277
-
2 315
-
pensions
6 907
-
7 020
-
income
28 325
-
28 882
-
other
143
-
151
-
total
37 652
-
38 368
-
Employer
146 917
-
149 377
-
pensions
34 670
-
35 250
-
other
1 176
-
1 199
-
unemployment
8 083
-
8 219
-
accident
2 910
-
2 956
-
total
46 839
-
47 624
-
Corporate
3 243
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.

490
29 550
-
-
total
490
29 550
-
-
Dividends
2 753
167 450
-
-
withholding
520
34 262
-
-
total
520
34 262
-
-
Income
197 000
197 000
197 000
197 000
Total tax
85 501
63 812
85 992
87 500
After tax
111 499
133 188
111 008
109 500
Living cost
109 262
109 262
109 262
109 262
Free-cash
2 237
23 926
1 746
238

Estimated living cost  is ₽109262 per month

₽73750
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽10503
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1915
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.
₽23095
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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