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
₽21544
₽16434
₽42753
₽14834
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
-
-
-
2 028
income
-
-
-
33 422
pensions
-
-
-
63 677
other
-
-
-
226
unemployment
-
-
-
1 576
total
-
-
-
100 929
Employee
146 884
-
170 610
-
unemployment
2 277
-
2 646
-
pensions
6 905
-
8 021
-
income
28 318
-
34 100
-
other
143
-
173
-
total
37 643
-
44 940
-
Employer
146 884
-
170 610
-
pensions
34 662
-
40 263
-
other
1 176
-
1 364
-
unemployment
8 081
-
9 385
-
accident
2 910
-
3 377
-
total
46 829
-
54 389
-
Corporate
31 287
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.

4 696
33 750
-
-
total
4 696
33 750
-
-
Dividends
26 590
191 250
-
-
withholding
5 051
39 260
-
-
total
5 051
39 260
-
-
Income
225 000
225 000
225 000
225 000
Total tax
94 219
73 010
99 329
100 929
After tax
130 781
151 990
125 671
124 071
Living cost
109 237
109 237
109 237
109 237
Free-cash
21 544
42 753
16 434
14 834

Estimated living cost  is ₽109237 per month

₽73733
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽10501
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1915
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.
₽23090
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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