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
₽ 204000
per

Your estimated
City
free-cash

Valencia , Spain
₽6639
₽5203
₽28290
₽3629
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
-
-
-
204 000
accident
-
-
-
1 838
income
-
-
-
29 563
pensions
-
-
-
57 733
other
-
-
-
204
unemployment
-
-
-
1 430
total
-
-
-
90 768
Employee
147 376
-
154 685
-
unemployment
2 284
-
2 398
-
pensions
6 928
-
7 269
-
income
28 413
-
30 062
-
other
144
-
151
-
total
37 769
-
39 880
-
Employer
147 376
-
154 685
-
pensions
34 778
-
36 502
-
other
1 180
-
1 240
-
unemployment
8 108
-
8 509
-
accident
2 920
-
3 063
-
total
46 986
-
49 314
-
Corporate
9 639
204 000
-
-
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.

1 445
30 603
-
-
total
1 445
30 603
-
-
Dividends
8 194
173 397
-
-
withholding
1 558
35 504
-
-
total
1 558
35 504
-
-
Income
204 000
204 000
204 000
204 000
Total tax
87 758
66 107
89 194
90 768
After tax
116 242
137 893
114 806
113 232
Living cost
109 603
109 603
109 603
109 603
Free-cash
6 639
28 290
5 203
3 629

Estimated living cost  is ₽109603 per month

₽73980
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽10536
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1921
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.
₽23167
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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