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
₽32052
₽8439
₽4879
₽6614
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
accident
-
-
-
2 024
income
-
-
-
32 574
pensions
-
-
-
63 537
other
-
-
-
223
unemployment
-
-
-
1 569
total
-
-
-
99 927
Employee
160 945
-
170 223
-
other
157
-
173
-
income
31 029
-
33 119
-
pensions
7 566
-
8 004
-
unemployment
2 495
-
2 635
-
total
41 247
-
43 931
-
Employer
160 945
-
170 223
-
accident
3 188
-
3 370
-
other
1 289
-
1 363
-
unemployment
8 855
-
9 359
-
pensions
37 980
-
40 169
-
total
51 312
-
54 261
-
Corporate
12 243
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.

1 834
33 676
-
-
total
1 834
33 676
-
-
Dividends
10 409
190 824
-
-
withholding
1 974
39 078
-
-
total
1 974
39 078
-
-
Income
224 500
224 500
224 500
224 500
Total tax
96 367
72 754
98 192
99 927
After tax
128 133
151 746
126 308
124 573
Living cost
119 694
119 694
119 694
119 694
Free-cash
8 439
32 052
6 614
4 879

Estimated living cost  is ₽119694 per month

₽80792
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽11506
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽2098
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.
₽25301
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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