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
₽6512
₽28874
₽5015
₽8325
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
income
-
-
-
28 615
pensions
-
-
-
55 748
other
-
-
-
194
unemployment
-
-
-
1 382
accident
-
-
-
1 770
total
-
-
-
87 709
Employee
140 212
-
149 370
-
unemployment
2 173
-
2 317
-
pensions
6 592
-
7 023
-
other
137
-
151
-
income
27 032
-
29 090
-
total
35 934
-
38 581
-
Employer
140 212
-
149 370
-
accident
2 778
-
2 958
-
other
1 123
-
1 202
-
unemployment
7 714
-
8 218
-
pensions
33 087
-
35 253
-
total
44 702
-
47 631
-
Corporate
12 086
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.

1 813
29 547
-
-
total
1 813
29 547
-
-
Dividends
10 272
167 453
-
-
withholding
1 950
34 303
-
-
total
1 950
34 303
-
-
Income
197 000
197 000
197 000
197 000
Total tax
84 399
63 850
86 212
87 709
After tax
112 601
133 150
110 788
109 291
Living cost
104 276
104 276
104 276
104 276
Free-cash
8 325
28 874
6 512
5 015

Estimated living cost  is ₽104276 per month

₽70384
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽10024
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1828
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.
₽22041
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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