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
₽ 218000
per

Your estimated
City
free-cash

Valencia , Spain
₽35439
₽10582
₽8899
₽13500
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
-
-
-
218 000
accident
-
-
-
1 961
income
-
-
-
31 821
other
-
-
-
216
unemployment
-
-
-
1 529
pensions
-
-
-
61 696
total
-
-
-
97 223
Employee
150 435
-
165 299
-
other
147
-
162
-
unemployment
2 332
-
2 563
-
pensions
7 072
-
7 767
-
income
29 003
-
32 346
-
total
38 554
-
42 838
-
Employer
150 435
-
165 299
-
pensions
35 500
-
39 013
-
accident
2 980
-
3 274
-
unemployment
8 277
-
9 095
-
other
1 204
-
1 320
-
total
47 961
-
52 702
-
Corporate
19 604
218 000
-
-
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.

2 942
32 697
-
-
total
2 942
32 697
-
-
Dividends
16 662
185 303
-
-
withholding
3 165
37 986
-
-
total
3 165
37 986
-
-
Income
218 000
218 000
218 000
218 000
Total tax
92 622
70 683
95 540
97 223
After tax
125 378
147 317
122 460
120 777
Living cost
111 878
111 878
111 878
111 878
Free-cash
13 500
35 439
10 582
8 899

Estimated living cost  is ₽111878 per month

₽75516
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽10755
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1961
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.
₽23648
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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