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
-₽60438
-₽45981
-₽82050
-₽35221
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
-
-
-
96
unemployment
-
-
-
668
pensions
-
-
-
26 885
income
-
-
-
12 636
accident
-
-
-
854
total
-
-
-
41 139
Employee
134 251
-
56 347
-
pensions
6 311
-
5 698
-
income
25 883
-
9 240
-
unemployment
2 081
-
1 881
-
other
131
-
124
-
total
34 406
-
16 943
-
Employer
134 251
-
56 347
-
other
1 075
-
971
-
accident
2 660
-
2 398
-
pensions
31 681
-
28 614
-
unemployment
7 386
-
6 670
-
total
42 802
-
38 653
-
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
-
16 130
-
-
total
-
16 130
-
-
Income
95 000
95 000
95 000
95 000
Total tax
77 208
30 379
55 596
41 139
After tax
17 792
64 621
39 404
53 861
Living cost
99 842
99 842
99 842
99 842
Free-cash
-82 050
-35 221
-60 438
-45 981

Estimated living cost  is ₽99842 per month

₽67392
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽9598
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1750
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.
₽21104
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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