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
₽ 41000
per

Your estimated
City
free-cash

Valencia , Spain
-₽84046
-₽123395
-₽100393
-₽158088
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
-
-
-
41 000
accident
-
-
-
790
income
-
-
-
2 789
other
-
-
-
85
unemployment
-
-
-
612
pensions
-
-
-
24 847
total
-
-
-
29 123
Employee
150 962
-
-
-
other
147
-
139
-
unemployment
2 340
-
2 115
-
pensions
7 097
-
6 407
-
income
29 104
-
-
-
total
38 688
-
8 661
-
Employer
150 962
-
-
-
pensions
35 624
-
32 176
-
accident
2 991
-
2 696
-
unemployment
8 306
-
7 500
-
other
1 209
-
1 092
-
total
48 130
-
43 464
-
Corporate
-
41 000
-
-
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.

-
6 152
-
-
total
-
6 152
-
-
Dividends
-
34 848
-
-
withholding
-
6 624
-
-
total
-
6 624
-
-
Income
41 000
41 000
41 000
41 000
Total tax
86 818
12 776
52 125
29 123
After tax
-45 818
28 224
-11 125
11 877
Living cost
112 270
112 270
112 270
112 270
Free-cash
-158 088
-84 046
-123 395
-100 393

Estimated living cost  is ₽112270 per month

₽75780
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽10793
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1968
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.
₽23731
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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