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
₽ 234000
per

Your estimated
City
free-cash

Valencia , Spain
₽86032
₽53701
₽52038
₽72355
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
-
-
-
234 000
unemployment
-
-
-
1 638
pensions
-
-
-
66 224
accident
-
-
-
2 108
other
-
-
-
233
income
-
-
-
40 064
total
-
-
-
110 267
Employee
96 403
-
177 434
-
pensions
4 532
-
8 342
-
other
94
-
178
-
unemployment
1 494
-
2 751
-
income
18 586
-
40 771
-
total
24 706
-
52 042
-
Employer
96 403
-
177 434
-
pensions
22 749
-
41 872
-
accident
1 910
-
3 513
-
unemployment
5 304
-
9 757
-
other
772
-
1 420
-
total
30 735
-
56 562
-
Corporate
106 862
234 000
-
-
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.

16 030
35 099
-
-
total
16 030
35 099
-
-
Dividends
90 831
198 901
-
-
withholding
18 479
41 174
-
-
total
18 479
41 174
-
-
Income
234 000
234 000
234 000
234 000
Total tax
89 950
76 273
108 604
110 267
After tax
144 050
157 727
125 396
123 733
Living cost
71 695
71 695
71 695
71 695
Free-cash
72 355
86 032
53 701
52 038

Estimated living cost  is ₽71695 per month

₽48393
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6892
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1257
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.
₽15155
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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