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
₽1927
₽26528
₽4473
₽3504
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
pensions
-
-
-
57 733
other
-
-
-
208
unemployment
-
-
-
1 430
accident
-
-
-
1 837
income
-
-
-
29 482
total
-
-
-
90 690
Employee
149 769
-
154 683
-
pensions
7 041
-
7 271
-
other
146
-
154
-
unemployment
2 321
-
2 398
-
income
28 874
-
29 981
-
total
38 382
-
39 804
-
Employer
149 769
-
154 683
-
pensions
35 343
-
36 503
-
other
1 199
-
1 238
-
unemployment
8 240
-
8 509
-
accident
2 967
-
3 059
-
total
47 749
-
49 309
-
Corporate
6 482
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.

968
30 600
-
-
total
968
30 600
-
-
Dividends
5 514
173 400
-
-
withholding
1 045
35 489
-
-
total
1 045
35 489
-
-
Income
204 000
204 000
204 000
204 000
Total tax
88 144
66 089
89 113
90 690
After tax
115 856
137 911
114 887
113 310
Living cost
111 383
111 383
111 383
111 383
Free-cash
4 473
26 528
3 504
1 927

Estimated living cost  is ₽111383 per month

₽75182
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽10707
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1952
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.
₽23544
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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