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
₽ 245000
per

Your estimated
City
free-cash

Valencia , Spain
₽87495
₽53962
₽52215
₽72684
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
-
-
-
245 000
unemployment
-
-
-
1 715
pensions
-
-
-
69 336
accident
-
-
-
2 203
other
-
-
-
247
income
-
-
-
41 620
total
-
-
-
115 121
Employee
104 429
-
185 772
-
pensions
4 909
-
8 731
-
other
102
-
188
-
unemployment
1 619
-
2 878
-
income
20 133
-
42 359
-
total
26 763
-
54 156
-
Employer
104 429
-
185 772
-
pensions
24 643
-
43 841
-
accident
2 069
-
3 677
-
unemployment
5 745
-
10 215
-
other
836
-
1 485
-
total
33 293
-
59 218
-
Corporate
107 277
245 000
-
-
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.

16 089
36 750
-
-
total
16 089
36 750
-
-
Dividends
91 188
208 250
-
-
withholding
18 507
43 091
-
-
total
18 507
43 091
-
-
Income
245 000
245 000
245 000
245 000
Total tax
94 652
79 841
113 374
115 121
After tax
150 348
165 159
131 626
129 879
Living cost
77 664
77 664
77 664
77 664
Free-cash
72 684
87 495
53 962
52 215

Estimated living cost  is ₽77664 per month

₽52422
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽7466
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1361
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.
₽16416
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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