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
₽ 225000
per

Your estimated
City
free-cash

Valencia , Spain
₽16795
₽13041
₽38900
₽11432
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
-
-
-
225 000
accident
-
-
-
2 022
income
-
-
-
32 940
pensions
-
-
-
63 679
other
-
-
-
226
unemployment
-
-
-
1 577
total
-
-
-
100 444
Employee
152 110
-
170 603
-
unemployment
2 358
-
2 646
-
pensions
7 151
-
8 017
-
income
29 326
-
33 611
-
other
148
-
172
-
total
38 983
-
44 446
-
Employer
152 110
-
170 603
-
pensions
35 895
-
40 259
-
other
1 218
-
1 366
-
unemployment
8 369
-
9 384
-
accident
3 013
-
3 380
-
total
48 495
-
54 389
-
Corporate
24 395
225 000
-
-
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.

3 661
33 748
-
-
total
3 661
33 748
-
-
Dividends
20 734
191 252
-
-
withholding
3 942
39 228
-
-
total
3 942
39 228
-
-
Income
225 000
225 000
225 000
225 000
Total tax
95 081
72 976
98 835
100 444
After tax
129 919
152 024
126 165
124 556
Living cost
113 124
113 124
113 124
113 124
Free-cash
16 795
38 900
13 041
11 432

Estimated living cost  is ₽113124 per month

₽76357
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽10875
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1983
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.
₽23912
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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