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
-₽9356
-₽26248
-₽13974
-₽14645
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
-
-
-
360
income
-
-
-
5 528
pensions
-
-
-
11 320
other
-
-
-
40
unemployment
-
-
-
280
total
-
-
-
17 528
Employee
50 235
-
29 256
-
other
50
-
34
-
income
10 599
-
5 315
-
pensions
2 361
-
1 584
-
unemployment
779
-
523
-
total
13 789
-
7 456
-
Employer
50 235
-
29 256
-
accident
994
-
666
-
other
400
-
270
-
unemployment
2 764
-
1 854
-
pensions
11 855
-
7 953
-
total
16 013
-
10 743
-
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
-
6 910
-
-
total
-
6 910
-
-
Income
40 000
40 000
40 000
40 000
Total tax
29 802
12 910
18 199
17 528
After tax
10 198
27 090
21 801
22 472
Living cost
36 446
36 446
36 446
36 446
Free-cash
-26 248
-9 356
-14 645
-13 974

Estimated living cost  is ₽36446 per week

₽26838
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2585
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽525
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.
₽6496
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 Barcelona model

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Estimated living cost

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