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
₽ 226000
per

Your estimated
City
free-cash

Valencia , Spain
₽31818
₽7943
₽4481
₽6217
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
-
-
-
226 000
accident
-
-
-
2 036
income
-
-
-
32 772
pensions
-
-
-
63 957
other
-
-
-
225
unemployment
-
-
-
1 586
total
-
-
-
100 576
Employee
162 624
-
171 365
-
other
159
-
175
-
income
31 353
-
33 322
-
pensions
7 645
-
8 054
-
unemployment
2 521
-
2 654
-
total
41 678
-
44 205
-
Employer
162 624
-
171 365
-
accident
3 222
-
3 397
-
other
1 302
-
1 369
-
unemployment
8 947
-
9 423
-
pensions
38 376
-
40 446
-
total
51 847
-
54 635
-
Corporate
11 529
226 000
-
-
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.

1 728
33 903
-
-
total
1 728
33 903
-
-
Dividends
9 801
192 097
-
-
withholding
1 861
39 336
-
-
total
1 861
39 336
-
-
Income
226 000
226 000
226 000
226 000
Total tax
97 114
73 239
98 840
100 576
After tax
128 886
152 761
127 160
125 424
Living cost
120 943
120 943
120 943
120 943
Free-cash
7 943
31 818
6 217
4 481

Estimated living cost  is ₽120943 per month

₽81635
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽11626
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽2120
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.
₽25565
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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