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
₽ 205000
per

Your estimated
City
free-cash

Valencia , Spain
₽7913
₽6205
₽29443
₽4625
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
-
-
-
205 000
accident
-
-
-
1 845
income
-
-
-
29 750
pensions
-
-
-
58 016
other
-
-
-
203
unemployment
-
-
-
1 438
total
-
-
-
91 252
Employee
146 731
-
155 441
-
unemployment
2 274
-
2 410
-
pensions
6 898
-
7 305
-
income
28 289
-
30 247
-
other
143
-
158
-
total
37 604
-
40 120
-
Employer
146 731
-
155 441
-
pensions
34 626
-
36 681
-
other
1 175
-
1 243
-
unemployment
8 073
-
8 547
-
accident
2 907
-
3 080
-
total
46 781
-
49 551
-
Corporate
11 489
205 000
-
-
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.

1 725
30 747
-
-
total
1 725
30 747
-
-
Dividends
9 764
174 253
-
-
withholding
1 853
35 687
-
-
total
1 853
35 687
-
-
Income
205 000
205 000
205 000
205 000
Total tax
87 963
66 434
89 671
91 252
After tax
117 037
138 566
115 329
113 748
Living cost
109 124
109 124
109 124
109 124
Free-cash
7 913
29 443
6 205
4 625

Estimated living cost  is ₽109124 per month

₽73657
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽10490
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1913
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.
₽23066
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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