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
-₽85996
-₽53636
-₽64545
-₽114975
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
pensions
-
-
-
26 884
accident
-
-
-
858
unemployment
-
-
-
662
other
-
-
-
98
income
-
-
-
12 633
total
-
-
-
41 135
Employee
159 218
-
49 158
-
unemployment
2 468
-
2 231
-
pensions
7 485
-
6 758
-
other
155
-
147
-
income
30 696
-
7 608
-
total
40 804
-
16 744
-
Employer
159 218
-
49 158
-
pensions
37 572
-
33 936
-
other
1 275
-
1 152
-
unemployment
8 760
-
7 910
-
accident
3 154
-
2 844
-
total
50 761
-
45 842
-
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.

-
14 251
-
-
total
-
14 251
-
-
Dividends
-
80 749
-
-
withholding
-
15 975
-
-
total
-
15 975
-
-
Income
95 000
95 000
95 000
95 000
Total tax
91 565
30 226
62 586
41 135
After tax
3 435
64 774
32 414
53 865
Living cost
118 410
118 410
118 410
118 410
Free-cash
-114 975
-53 636
-85 996
-64 545

Estimated living cost  is ₽118410 per month

₽79925
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽11383
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽2076
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.
₽25029
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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