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
₽11352
₽9928
₽14608
₽33977
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
-
-
-
198
unemployment
-
-
-
1 382
pensions
-
-
-
55 753
income
-
-
-
28 838
accident
-
-
-
1 772
total
-
-
-
87 943
Employee
133 293
-
149 381
-
pensions
6 266
-
7 019
-
income
25 698
-
29 419
-
unemployment
2 066
-
2 312
-
other
130
-
150
-
total
34 160
-
38 900
-
Employer
133 293
-
149 381
-
other
1 067
-
1 197
-
accident
2 641
-
2 955
-
pensions
31 454
-
35 251
-
unemployment
7 333
-
8 216
-
total
42 495
-
47 619
-
Corporate
21 212
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.

3 181
29 553
-
-
total
3 181
29 553
-
-
Dividends
18 031
167 447
-
-
withholding
3 427
34 341
-
-
total
3 427
34 341
-
-
Income
197 000
197 000
197 000
197 000
Total tax
83 263
63 894
86 519
87 943
After tax
113 737
133 106
110 481
109 057
Living cost
99 129
99 129
99 129
99 129
Free-cash
14 608
33 977
11 352
9 928

Estimated living cost  is ₽99129 per month

₽66911
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽9529
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1738
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.
₽20954
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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