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
₽20191
₽41660
₽15477
₽13870
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
other
-
-
-
228
unemployment
-
-
-
1 576
income
-
-
-
33 281
pensions
-
-
-
63 675
accident
-
-
-
2 026
total
-
-
-
100 786
Employee
148 373
-
170 607
-
unemployment
2 300
-
2 642
-
other
145
-
168
-
pensions
6 975
-
8 018
-
income
28 605
-
33 966
-
total
38 025
-
44 794
-
Employer
148 373
-
170 607
-
other
1 188
-
1 363
-
accident
2 939
-
3 381
-
pensions
35 013
-
40 260
-
unemployment
8 163
-
9 381
-
total
47 303
-
54 385
-
Corporate
29 324
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.

4 401
33 749
-
-
total
4 401
33 749
-
-
Dividends
24 922
191 251
-
-
withholding
4 736
39 247
-
-
total
4 736
39 247
-
-
Income
225 000
225 000
225 000
225 000
Total tax
94 465
72 996
99 179
100 786
After tax
130 535
152 004
125 821
124 214
Living cost
110 344
110 344
110 344
110 344
Free-cash
20 191
41 660
15 477
13 870

Estimated living cost  is ₽110344 per month

₽74481
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽10607
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1934
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.
₽23324
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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