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
₽ 40500
per

Your estimated
City
free-cash

Madrid , Spain
-₽20098
-₽6023
-₽10764
-₽10766
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
-
-
-
40 500
other
-
-
-
40
unemployment
-
-
-
283
income
-
-
-
5 681
pensions
-
-
-
11 461
accident
-
-
-
365
total
-
-
-
17 830
Employee
45 948
-
30 371
-
unemployment
711
-
493
-
other
45
-
32
-
pensions
2 159
-
1 493
-
income
9 597
-
5 681
-
total
12 512
-
7 699
-
Employer
45 948
-
30 371
-
other
368
-
255
-
accident
910
-
628
-
pensions
10 844
-
7 498
-
unemployment
2 528
-
1 748
-
total
14 650
-
10 129
-
Corporate
-
40 500
-
-
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.

-
6 075
-
-
total
-
6 075
-
-
Dividends
-
34 425
-
-
withholding
-
7 012
-
-
total
-
7 012
-
-
Income
40 500
40 500
40 500
40 500
Total tax
27 162
13 087
17 828
17 830
After tax
13 338
27 413
22 672
22 670
Living cost
33 436
33 436
33 436
33 436
Free-cash
-20 098
-6 023
-10 764
-10 766

Estimated living cost  is ₽33436 per week

₽24013
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2600
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽471
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.
₽6353
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 Madrid model

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