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
₽31835
₽8098
₽4620
₽6348
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
-
-
-
2 025
income
-
-
-
32 633
pensions
-
-
-
63 673
other
-
-
-
224
unemployment
-
-
-
1 577
total
-
-
-
100 132
Employee
161 690
-
170 613
-
other
158
-
174
-
income
31 172
-
33 181
-
pensions
7 601
-
8 016
-
unemployment
2 506
-
2 647
-
total
41 437
-
44 018
-
Employer
161 690
-
170 613
-
accident
3 203
-
3 377
-
other
1 295
-
1 361
-
unemployment
8 896
-
9 385
-
pensions
38 155
-
40 263
-
total
51 549
-
54 386
-
Corporate
11 762
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.

1 768
33 749
-
-
total
1 768
33 749
-
-
Dividends
9 994
191 251
-
-
withholding
1 900
39 168
-
-
total
1 900
39 168
-
-
Income
225 000
225 000
225 000
225 000
Total tax
96 654
72 917
98 404
100 132
After tax
128 346
152 083
126 596
124 868
Living cost
120 248
120 248
120 248
120 248
Free-cash
8 098
31 835
6 348
4 620

Estimated living cost  is ₽120248 per month

₽81165
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽11559
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽2108
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.
₽25418
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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