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
₽4034
₽25393
₽3162
₽1653
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
-
-
-
193
unemployment
-
-
-
1 376
income
-
-
-
28 464
pensions
-
-
-
55 753
accident
-
-
-
1 770
total
-
-
-
87 556
Employee
144 940
-
149 378
-
unemployment
2 246
-
2 313
-
other
141
-
149
-
pensions
6 814
-
7 022
-
income
27 943
-
28 948
-
total
37 144
-
38 432
-
Employer
144 940
-
149 378
-
other
1 160
-
1 190
-
accident
2 871
-
2 961
-
pensions
34 203
-
35 252
-
unemployment
7 974
-
8 212
-
total
46 208
-
47 615
-
Corporate
5 851
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.

878
29 546
-
-
total
878
29 546
-
-
Dividends
4 973
167 454
-
-
withholding
945
34 270
-
-
total
945
34 270
-
-
Income
197 000
197 000
197 000
197 000
Total tax
85 175
63 816
86 047
87 556
After tax
111 825
133 184
110 953
109 444
Living cost
107 791
107 791
107 791
107 791
Free-cash
4 034
25 393
3 162
1 653

Estimated living cost  is ₽107791 per month

₽72757
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽10362
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1889
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.
₽22785
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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