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
₽ 211500
per

Your estimated
City
free-cash

Valencia , Spain
₽10847
₽34991
₽9223
₽13850
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
-
-
-
211 500
income
-
-
-
30 898
pensions
-
-
-
59 853
unemployment
-
-
-
1 482
accident
-
-
-
1 907
other
-
-
-
209
total
-
-
-
94 349
Employee
145 123
-
160 376
-
pensions
6 822
-
7 537
-
other
142
-
164
-
income
27 979
-
31 412
-
unemployment
2 249
-
2 488
-
total
37 192
-
41 601
-
Employer
145 123
-
160 376
-
accident
2 875
-
3 173
-
unemployment
7 984
-
8 819
-
other
1 162
-
1 281
-
pensions
34 246
-
37 851
-
total
46 267
-
51 124
-
Corporate
20 109
211 500
-
-
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.

3 016
31 721
-
-
total
3 016
31 721
-
-
Dividends
17 093
179 779
-
-
withholding
3 247
36 860
-
-
total
3 247
36 860
-
-
Income
211 500
211 500
211 500
211 500
Total tax
89 722
68 581
92 725
94 349
After tax
121 778
142 919
118 775
117 151
Living cost
107 928
107 928
107 928
107 928
Free-cash
13 850
34 991
10 847
9 223

Estimated living cost  is ₽107928 per month

₽72849
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽10375
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1892
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.
₽22813
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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