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
₽ 249000
per

Your estimated
City
free-cash

Valencia , Spain
₽48423
₽17408
₽19160
₽25211
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
-
-
-
249 000
income
-
-
-
37 124
unemployment
-
-
-
1 744
other
-
-
-
248
pensions
-
-
-
70 463
accident
-
-
-
2 240
total
-
-
-
111 819
Employee
161 051
-
188 811
-
pensions
7 571
-
8 877
-
unemployment
2 496
-
2 926
-
other
157
-
190
-
income
31 049
-
37 885
-
total
41 273
-
49 878
-
Employer
161 051
-
188 811
-
accident
3 190
-
3 736
-
unemployment
8 861
-
10 381
-
pensions
38 005
-
44 559
-
other
1 289
-
1 513
-
total
51 345
-
60 189
-
Corporate
36 604
249 000
-
-
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.

5 488
37 352
-
-
total
5 488
37 352
-
-
Dividends
31 116
211 648
-
-
withholding
5 910
43 452
-
-
total
5 910
43 452
-
-
Income
249 000
249 000
249 000
249 000
Total tax
104 016
80 804
110 067
111 819
After tax
144 984
168 196
138 933
137 181
Living cost
119 773
119 773
119 773
119 773
Free-cash
25 211
48 423
19 160
17 408

Estimated living cost  is ₽119773 per month

₽80845
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽11514
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽2099
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.
₽25317
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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