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
₽ 231500
per

Your estimated
City
free-cash

Valencia , Spain
₽36198
₽12566
₽8069
₽9852
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
-
-
-
231 500
accident
-
-
-
2 083
income
-
-
-
33 731
pensions
-
-
-
65 511
other
-
-
-
232
unemployment
-
-
-
1 618
total
-
-
-
103 175
Employee
161 700
-
175 541
-
other
158
-
174
-
income
31 175
-
34 287
-
pensions
7 602
-
8 249
-
unemployment
2 506
-
2 722
-
total
41 441
-
45 432
-
Employer
161 700
-
175 541
-
accident
3 203
-
3 477
-
other
1 295
-
1 403
-
unemployment
8 896
-
9 652
-
pensions
38 158
-
41 428
-
total
51 552
-
55 960
-
Corporate
18 248
231 500
-
-
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.

2 739
34 722
-
-
total
2 739
34 722
-
-
Dividends
15 509
196 778
-
-
withholding
2 946
40 324
-
-
total
2 946
40 324
-
-
Income
231 500
231 500
231 500
231 500
Total tax
98 678
75 046
101 392
103 175
After tax
132 822
156 454
130 108
128 325
Living cost
120 256
120 256
120 256
120 256
Free-cash
12 566
36 198
9 852
8 069

Estimated living cost  is ₽120256 per month

₽81171
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽11560
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.
₽25419
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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