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
₽ 199500
per

Your estimated
City
free-cash

Valencia , Spain
₽29941
₽7282
₽9292
₽5746
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
-
-
-
199 500
accident
-
-
-
1 795
unemployment
-
-
-
1 397
pensions
-
-
-
56 455
other
-
-
-
203
income
-
-
-
29 009
total
-
-
-
88 859
Employee
141 045
-
151 275
-
pensions
6 631
-
7 108
-
income
27 192
-
29 494
-
unemployment
2 186
-
2 345
-
other
138
-
152
-
total
36 147
-
39 099
-
Employer
141 045
-
151 275
-
other
1 129
-
1 209
-
unemployment
7 760
-
8 317
-
accident
2 794
-
2 997
-
pensions
33 284
-
35 701
-
total
44 967
-
48 224
-
Corporate
13 488
199 500
-
-
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.

2 020
29 925
-
-
total
2 020
29 925
-
-
Dividends
11 468
169 575
-
-
withholding
2 179
34 739
-
-
total
2 179
34 739
-
-
Income
199 500
199 500
199 500
199 500
Total tax
85 313
64 664
87 323
88 859
After tax
114 187
134 836
112 177
110 641
Living cost
104 895
104 895
104 895
104 895
Free-cash
9 292
29 941
7 282
5 746

Estimated living cost  is ₽104895 per month

₽70802
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽10084
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1839
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.
₽22172
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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