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
₽ 44500
per

Your estimated
City
free-cash

Madrid , Spain
-₽5212
-₽10462
-₽10119
-₽19516
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
-
-
-
44 500
income
-
-
-
6 289
unemployment
-
-
-
311
other
-
-
-
44
pensions
-
-
-
12 594
accident
-
-
-
401
total
-
-
-
19 639
Employee
48 541
-
33 745
-
pensions
2 281
-
1 587
-
unemployment
751
-
523
-
other
48
-
34
-
income
10 138
-
6 396
-
total
13 218
-
8 540
-
Employer
48 541
-
33 745
-
accident
961
-
668
-
unemployment
2 670
-
1 856
-
pensions
11 455
-
7 963
-
other
389
-
269
-
total
15 475
-
10 756
-
Corporate
-
44 500
-
-
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.

-
6 676
-
-
total
-
6 676
-
-
Dividends
-
37 824
-
-
withholding
-
7 713
-
-
total
-
7 713
-
-
Income
44 500
44 500
44 500
44 500
Total tax
28 693
14 389
19 296
19 639
After tax
15 807
30 111
25 204
24 861
Living cost
35 323
35 323
35 323
35 323
Free-cash
-19 516
-5 212
-10 119
-10 462

Estimated living cost  is ₽35323 per week

₽25368
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2747
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽498
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.
₽6712
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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