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
₽2941
₽25166
₽1427
₽3753
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
-
-
-
28 457
pensions
-
-
-
55 751
other
-
-
-
194
unemployment
-
-
-
1 379
accident
-
-
-
1 774
total
-
-
-
87 555
Employee
145 245
-
149 382
-
unemployment
2 251
-
2 318
-
pensions
6 828
-
7 022
-
other
142
-
149
-
income
28 002
-
28 934
-
total
37 223
-
38 423
-
Employer
145 245
-
149 382
-
accident
2 877
-
2 959
-
other
1 163
-
1 193
-
unemployment
7 991
-
8 215
-
pensions
34 275
-
35 251
-
total
46 306
-
47 618
-
Corporate
5 449
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.

820
29 549
-
-
total
820
29 549
-
-
Dividends
4 629
167 451
-
-
withholding
880
34 267
-
-
total
880
34 267
-
-
Income
197 000
197 000
197 000
197 000
Total tax
85 229
63 816
86 041
87 555
After tax
111 771
133 184
110 959
109 445
Living cost
108 018
108 018
108 018
108 018
Free-cash
3 753
25 166
2 941
1 427

Estimated living cost  is ₽108018 per month

₽72911
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽10384
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1893
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.
₽22833
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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