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
₽14622
₽21750
₽10664
₽10089
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
-
-
-
13 756
pensions
-
-
-
22 923
accident
-
-
-
729
total
-
-
-
38 058
Employee
45 146
-
61 419
-
unemployment
699
-
953
-
other
44
-
62
-
pensions
2 122
-
2 886
-
income
9 429
-
14 001
-
total
12 294
-
17 902
-
Employer
45 146
-
61 419
-
other
362
-
491
-
accident
894
-
1 217
-
pensions
10 654
-
14 495
-
unemployment
2 484
-
3 378
-
total
14 394
-
19 581
-
Corporate
21 460
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.

3 220
12 150
-
-
total
3 220
12 150
-
-
Dividends
18 240
68 850
-
-
withholding
3 617
14 247
-
-
total
3 617
14 247
-
-
Income
81 000
81 000
81 000
81 000
Total tax
33 525
26 397
37 483
38 058
After tax
47 475
54 603
43 517
42 942
Living cost
32 853
32 853
32 853
32 853
Free-cash
14 622
21 750
10 664
10 089

Estimated living cost  is ₽32853 per week

₽23593
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2554
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽463
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.
₽6243
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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