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
-₽7221
-₽8736
₽14626
-₽13387
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
accident
-
-
-
1 777
income
-
-
-
27 997
unemployment
-
-
-
1 375
other
-
-
-
196
pensions
-
-
-
55 749
total
-
-
-
87 094
Employee
159 531
-
149 382
-
income
30 756
-
28 480
-
pensions
7 500
-
7 025
-
unemployment
2 473
-
2 317
-
other
156
-
147
-
total
40 885
-
37 969
-
Employer
159 531
-
149 382
-
other
1 277
-
1 187
-
unemployment
8 777
-
8 212
-
pensions
37 646
-
35 255
-
accident
3 160
-
2 956
-
total
50 860
-
47 610
-
Corporate
-
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.

-
29 549
-
-
total
-
29 549
-
-
Dividends
-
167 451
-
-
withholding
-
34 183
-
-
total
-
34 183
-
-
Income
197 000
197 000
197 000
197 000
Total tax
91 745
63 732
85 579
87 094
After tax
105 255
133 268
111 421
109 906
Living cost
118 642
118 642
118 642
118 642
Free-cash
-13 387
14 626
-7 221
-8 736

Estimated living cost  is ₽118642 per month

₽80082
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽11405
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽2080
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.
₽25078
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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