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
₽ 95000
per

Your estimated
City
free-cash

Valencia , Spain
-₽96104
-₽43081
-₽71350
-₽53904
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
-
-
-
95 000
other
-
-
-
97
unemployment
-
-
-
662
income
-
-
-
12 636
pensions
-
-
-
26 885
accident
-
-
-
855
total
-
-
-
41 135
Employee
144 909
-
53 278
-
unemployment
2 246
-
2 030
-
other
141
-
134
-
pensions
6 812
-
6 150
-
income
27 937
-
8 545
-
total
37 136
-
16 859
-
Employer
144 909
-
53 278
-
other
1 160
-
1 049
-
accident
2 871
-
2 588
-
pensions
34 196
-
30 886
-
unemployment
7 973
-
7 199
-
total
46 200
-
41 722
-
Corporate
-
95 000
-
-
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.

-
14 249
-
-
total
-
14 249
-
-
Dividends
-
80 751
-
-
withholding
-
16 064
-
-
total
-
16 064
-
-
Income
95 000
95 000
95 000
95 000
Total tax
83 336
30 313
58 581
41 135
After tax
11 664
64 687
36 419
53 865
Living cost
107 768
107 768
107 768
107 768
Free-cash
-96 104
-43 081
-71 350
-53 904

Estimated living cost  is ₽107768 per month

₽72742
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽10360
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1889
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.
₽22780
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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