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
₽1540
₽23358
₽1206
-₽311
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
-
-
-
197
unemployment
-
-
-
1 380
income
-
-
-
28 375
pensions
-
-
-
55 749
accident
-
-
-
1 774
total
-
-
-
87 475
Employee
147 689
-
149 384
-
unemployment
2 289
-
2 312
-
other
144
-
152
-
pensions
6 943
-
7 019
-
income
28 473
-
28 860
-
total
37 849
-
38 343
-
Employer
147 689
-
149 384
-
other
1 182
-
1 190
-
accident
2 926
-
2 956
-
pensions
34 852
-
35 253
-
unemployment
8 125
-
8 216
-
total
47 085
-
47 615
-
Corporate
2 226
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.

334
29 553
-
-
total
334
29 553
-
-
Dividends
1 892
167 447
-
-
withholding
356
34 253
-
-
total
356
34 253
-
-
Income
197 000
197 000
197 000
197 000
Total tax
85 624
63 806
85 958
87 475
After tax
111 376
133 194
111 042
109 525
Living cost
109 836
109 836
109 836
109 836
Free-cash
1 540
23 358
1 206
-311

Estimated living cost  is ₽109836 per month

₽74137
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽10559
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1925
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.
₽23217
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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