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
₽ 217000
per

Your estimated
City
free-cash

Valencia , Spain
₽16540
₽12818
₽37798
₽11285
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
-
-
-
217 000
accident
-
-
-
1 953
income
-
-
-
31 792
pensions
-
-
-
61 414
other
-
-
-
218
unemployment
-
-
-
1 517
total
-
-
-
96 894
Employee
146 325
-
164 545
-
unemployment
2 268
-
2 553
-
pensions
6 879
-
7 735
-
income
28 210
-
32 453
-
other
143
-
165
-
total
37 500
-
42 906
-
Employer
146 325
-
164 545
-
pensions
34 530
-
38 833
-
other
1 172
-
1 314
-
unemployment
8 050
-
9 049
-
accident
2 899
-
3 259
-
total
46 651
-
52 455
-
Corporate
24 025
217 000
-
-
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.

3 605
32 547
-
-
total
3 605
32 547
-
-
Dividends
20 420
184 453
-
-
withholding
3 883
37 834
-
-
total
3 883
37 834
-
-
Income
217 000
217 000
217 000
217 000
Total tax
91 639
70 381
95 361
96 894
After tax
125 361
146 619
121 639
120 106
Living cost
108 821
108 821
108 821
108 821
Free-cash
16 540
37 798
12 818
11 285

Estimated living cost  is ₽108821 per month

₽73453
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽10461
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1907
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.
₽23002
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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