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
₽ 40000
per

Your estimated
City
free-cash

Valencia , Spain
-₽92145
-₽172243
-₽110027
-₽135261
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
-
-
-
40 000
accident
-
-
-
842
income
-
-
-
2 263
pensions
-
-
-
26 489
other
-
-
-
91
unemployment
-
-
-
653
total
-
-
-
30 338
Employee
160 938
-
-
-
other
157
-
149
-
income
31 028
-
-
-
pensions
7 566
-
6 831
-
unemployment
2 494
-
2 255
-
total
41 245
-
9 235
-
Employer
160 938
-
-
-
accident
3 188
-
2 874
-
other
1 289
-
1 165
-
unemployment
8 854
-
7 995
-
pensions
37 978
-
34 303
-
total
51 309
-
46 337
-
Corporate
-
40 000
-
-
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.

-
5 997
-
-
total
-
5 997
-
-
Dividends
-
34 003
-
-
withholding
-
6 459
-
-
total
-
6 459
-
-
Income
40 000
40 000
40 000
40 000
Total tax
92 554
12 456
55 572
30 338
After tax
-52 554
27 544
-15 572
9 662
Living cost
119 689
119 689
119 689
119 689
Free-cash
-172 243
-92 145
-135 261
-110 027

Estimated living cost  is ₽119689 per month

₽80788
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.
₽25300
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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