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
₽ 32000
per

Your estimated
City
free-cash

Valencia , Spain
-₽96657
-₽141796
-₽115314
-₽178471
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
-
-
-
32 000
accident
-
-
-
835
income
-
-
-
786
other
-
-
-
90
unemployment
-
-
-
647
pensions
-
-
-
26 267
total
-
-
-
28 625
Employee
159 593
-
-
-
other
156
-
147
-
unemployment
2 474
-
2 236
-
pensions
7 503
-
6 774
-
income
30 768
-
-
-
total
40 901
-
9 157
-
Employer
159 593
-
-
-
pensions
37 661
-
34 016
-
accident
3 162
-
2 850
-
unemployment
8 780
-
7 929
-
other
1 278
-
1 155
-
total
50 881
-
45 950
-
Corporate
-
32 000
-
-
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.

-
4 800
-
-
total
-
4 800
-
-
Dividends
-
27 200
-
-
withholding
-
5 168
-
-
total
-
5 168
-
-
Income
32 000
32 000
32 000
32 000
Total tax
91 782
9 968
55 107
28 625
After tax
-59 782
22 032
-23 107
3 375
Living cost
118 689
118 689
118 689
118 689
Free-cash
-178 471
-96 657
-141 796
-115 314

Estimated living cost  is ₽118689 per month

₽80113
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽11410
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽2080
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.
₽25088
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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