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
₽ 224500
per

Your estimated
City
free-cash

Valencia , Spain
₽7608
₽33085
₽5889
₽9713
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
-
-
-
224 500
pensions
-
-
-
63 530
accident
-
-
-
2 022
unemployment
-
-
-
1 572
other
-
-
-
221
income
-
-
-
32 617
total
-
-
-
99 962
Employee
159 539
-
170 222
-
unemployment
2 473
-
2 637
-
pensions
7 500
-
8 000
-
other
156
-
172
-
income
30 758
-
33 165
-
total
40 887
-
43 974
-
Employer
159 539
-
170 222
-
pensions
37 648
-
40 170
-
other
1 277
-
1 367
-
unemployment
8 777
-
9 359
-
accident
3 161
-
3 373
-
total
50 863
-
54 269
-
Corporate
14 097
224 500
-
-
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.

2 112
33 677
-
-
total
2 112
33 677
-
-
Dividends
11 985
190 823
-
-
withholding
2 276
39 089
-
-
total
2 276
39 089
-
-
Income
224 500
224 500
224 500
224 500
Total tax
96 138
72 766
98 243
99 962
After tax
128 362
151 734
126 257
124 538
Living cost
118 649
118 649
118 649
118 649
Free-cash
9 713
33 085
7 608
5 889

Estimated living cost  is ₽118649 per month

₽80086
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽11406
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽2080
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.
₽25080
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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