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
₽ 39000
per

Your estimated
City
free-cash

Valencia , Spain
-₽162396
-₽127303
-₽86720
-₽103562
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
-
-
-
39 000
accident
-
-
-
799
income
-
-
-
2 351
pensions
-
-
-
25 135
other
-
-
-
86
unemployment
-
-
-
619
total
-
-
-
28 990
Employee
152 713
-
-
-
unemployment
2 367
-
2 140
-
pensions
7 179
-
6 482
-
income
29 442
-
-
-
other
149
-
141
-
total
39 137
-
8 763
-
Employer
152 713
-
-
-
pensions
36 037
-
32 549
-
other
1 223
-
1 105
-
unemployment
8 402
-
7 587
-
accident
3 025
-
2 727
-
total
48 687
-
43 968
-
Corporate
-
39 000
-
-
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.

-
5 847
-
-
total
-
5 847
-
-
Dividends
-
33 153
-
-
withholding
-
6 301
-
-
total
-
6 301
-
-
Income
39 000
39 000
39 000
39 000
Total tax
87 824
12 148
52 731
28 990
After tax
-48 824
26 852
-13 731
10 010
Living cost
113 572
113 572
113 572
113 572
Free-cash
-162 396
-86 720
-127 303
-103 562

Estimated living cost  is ₽113572 per month

₽76659
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽10918
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1991
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.
₽24007
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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