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

Barcelona , Spain
-₽20421
-₽10683
-₽10871
-₽6171
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
unemployment
-
-
-
279
income
-
-
-
5 632
other
-
-
-
40
accident
-
-
-
360
pensions
-
-
-
11 320
total
-
-
-
17 631
Employee
45 816
-
30 201
-
unemployment
711
-
477
-
pensions
2 154
-
1 444
-
income
9 667
-
5 692
-
other
45
-
31
-
total
12 577
-
7 644
-
Employer
45 816
-
30 201
-
pensions
10 812
-
7 254
-
accident
907
-
608
-
unemployment
2 520
-
1 691
-
other
365
-
246
-
total
14 604
-
9 799
-
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.

-
6 000
-
-
total
-
6 000
-
-
Dividends
-
34 000
-
-
withholding
-
6 931
-
-
total
-
6 931
-
-
Income
40 000
40 000
40 000
40 000
Total tax
27 181
12 931
17 443
17 631
After tax
12 819
27 069
22 557
22 369
Living cost
33 240
33 240
33 240
33 240
Free-cash
-20 421
-6 171
-10 683
-10 871

Estimated living cost  is ₽33240 per week

₽24478
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2358
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽479
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.
₽5925
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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