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
₽409
₽22441
₽317
-₽1196
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
-
-
-
199
unemployment
-
-
-
1 376
income
-
-
-
28 338
pensions
-
-
-
55 751
accident
-
-
-
1 773
total
-
-
-
87 437
Employee
148 930
-
149 381
-
unemployment
2 308
-
2 316
-
other
145
-
153
-
pensions
7 001
-
7 024
-
income
28 713
-
28 812
-
total
38 167
-
38 305
-
Employer
148 930
-
149 381
-
other
1 192
-
1 192
-
accident
2 950
-
2 958
-
pensions
35 145
-
35 252
-
unemployment
8 194
-
8 217
-
total
47 481
-
47 619
-
Corporate
589
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.

92
29 550
-
-
total
92
29 550
-
-
Dividends
497
167 450
-
-
withholding
92
34 250
-
-
total
92
34 250
-
-
Income
197 000
197 000
197 000
197 000
Total tax
85 832
63 800
85 924
87 437
After tax
111 168
133 200
111 076
109 563
Living cost
110 759
110 759
110 759
110 759
Free-cash
409
22 441
317
-1 196

Estimated living cost  is ₽110759 per month

₽74761
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽10647
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1941
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.
₽23412
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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