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
₽ 81000
per

Your estimated
City
free-cash

Madrid , Spain
₽14506
₽21656
₽10579
₽10003
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
-
-
-
81 000
other
-
-
-
82
unemployment
-
-
-
568
income
-
-
-
13 745
pensions
-
-
-
22 923
accident
-
-
-
729
total
-
-
-
38 047
Employee
45 280
-
61 418
-
unemployment
701
-
952
-
other
44
-
62
-
pensions
2 128
-
2 886
-
income
9 457
-
13 991
-
total
12 330
-
17 891
-
Employer
45 280
-
61 418
-
other
363
-
491
-
accident
897
-
1 215
-
pensions
10 686
-
14 495
-
unemployment
2 491
-
3 379
-
total
14 437
-
19 580
-
Corporate
21 284
81 000
-
-
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.

3 192
12 150
-
-
total
3 192
12 150
-
-
Dividends
18 092
68 850
-
-
withholding
3 585
14 244
-
-
total
3 585
14 244
-
-
Income
81 000
81 000
81 000
81 000
Total tax
33 544
26 394
37 471
38 047
After tax
47 456
54 606
43 529
42 953
Living cost
32 950
32 950
32 950
32 950
Free-cash
14 506
21 656
10 579
10 003

Estimated living cost  is ₽32950 per week

₽23663
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2562
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽464
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.
₽6261
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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