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
₽ 235500
per

Your estimated
City
free-cash

Valencia , Spain
₽11219
₽9397
₽38047
₽14301
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
-
-
-
235 500
accident
-
-
-
2 123
income
-
-
-
34 366
unemployment
-
-
-
1 646
other
-
-
-
234
pensions
-
-
-
66 643
total
-
-
-
105 012
Employee
162 823
-
178 576
-
income
31 391
-
34 934
-
pensions
7 655
-
8 390
-
unemployment
2 524
-
2 766
-
other
159
-
175
-
total
41 729
-
46 265
-
Employer
162 823
-
178 576
-
other
1 304
-
1 429
-
unemployment
8 958
-
9 819
-
pensions
38 423
-
42 142
-
accident
3 226
-
3 535
-
total
51 911
-
56 925
-
Corporate
20 767
235 500
-
-
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.

3 117
35 323
-
-
total
3 117
35 323
-
-
Dividends
17 650
200 177
-
-
withholding
3 351
41 039
-
-
total
3 351
41 039
-
-
Income
235 500
235 500
235 500
235 500
Total tax
100 108
76 362
103 190
105 012
After tax
135 392
159 138
132 310
130 488
Living cost
121 091
121 091
121 091
121 091
Free-cash
14 301
38 047
11 219
9 397

Estimated living cost  is ₽121091 per month

₽81735
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽11641
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽2123
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.
₽25596
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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Estimated living cost

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