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
₽56948
₽31338
₽29923
₽42132
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
unemployment
-
-
-
1 399
pensions
-
-
-
56 457
accident
-
-
-
1 795
other
-
-
-
198
income
-
-
-
32 064
total
-
-
-
91 913
Employee
104 429
-
151 280
-
pensions
4 909
-
7 112
-
other
102
-
150
-
unemployment
1 619
-
2 347
-
income
20 133
-
32 669
-
total
26 763
-
42 278
-
Employer
104 429
-
151 280
-
pensions
24 643
-
35 700
-
accident
2 069
-
2 996
-
unemployment
5 745
-
8 318
-
other
836
-
1 206
-
total
33 293
-
48 220
-
Corporate
61 777
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.

9 267
29 922
-
-
total
9 267
29 922
-
-
Dividends
52 511
169 578
-
-
withholding
10 381
34 966
-
-
total
10 381
34 966
-
-
Income
199 500
199 500
199 500
199 500
Total tax
79 704
64 888
90 498
91 913
After tax
119 796
134 612
109 002
107 587
Living cost
77 664
77 664
77 664
77 664
Free-cash
42 132
56 948
31 338
29 923

Estimated living cost  is ₽77664 per month

₽52422
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽7466
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1361
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.
₽16416
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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