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
₽ 238500
per

Your estimated
City
free-cash

Valencia , Spain
₽41451
₽18070
₽12320
₽14021
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
-
-
-
238 500
accident
-
-
-
2 148
income
-
-
-
34 936
pensions
-
-
-
67 493
other
-
-
-
240
unemployment
-
-
-
1 669
total
-
-
-
106 486
Employee
160 945
-
180 845
-
other
157
-
182
-
income
31 029
-
35 655
-
pensions
7 566
-
8 500
-
unemployment
2 495
-
2 800
-
total
41 247
-
47 137
-
Employer
160 945
-
180 845
-
accident
3 188
-
3 577
-
other
1 289
-
1 446
-
unemployment
8 855
-
9 945
-
pensions
37 980
-
42 680
-
total
51 312
-
57 648
-
Corporate
26 243
238 500
-
-
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.

3 940
35 774
-
-
total
3 940
35 774
-
-
Dividends
22 303
202 726
-
-
withholding
4 237
41 581
-
-
total
4 237
41 581
-
-
Income
238 500
238 500
238 500
238 500
Total tax
100 736
77 355
104 785
106 486
After tax
137 764
161 145
133 715
132 014
Living cost
119 694
119 694
119 694
119 694
Free-cash
18 070
41 451
14 021
12 320

Estimated living cost  is ₽119694 per month

₽80792
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽11506
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽2098
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.
₽25301
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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