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
₽ 97000
per

Your estimated
City
free-cash

Valencia , Spain
-₽77382
-₽47255
-₽58338
-₽103969
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
-
-
-
97 000
other
-
-
-
94
accident
-
-
-
876
income
-
-
-
12 905
pensions
-
-
-
27 452
unemployment
-
-
-
680
total
-
-
-
42 007
Employee
152 389
-
53 125
-
income
29 379
-
8 431
-
other
149
-
141
-
pensions
7 164
-
6 468
-
unemployment
2 362
-
2 135
-
total
39 054
-
17 175
-
Employer
152 389
-
53 125
-
other
1 220
-
1 103
-
unemployment
8 384
-
7 571
-
accident
3 019
-
2 722
-
pensions
35 961
-
32 480
-
total
48 584
-
43 876
-
Corporate
-
97 000
-
-
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.

-
14 547
-
-
total
-
14 547
-
-
Dividends
-
82 453
-
-
withholding
-
16 377
-
-
total
-
16 377
-
-
Income
97 000
97 000
97 000
97 000
Total tax
87 638
30 924
61 051
42 007
After tax
9 362
66 076
35 949
54 993
Living cost
113 331
113 331
113 331
113 331
Free-cash
-103 969
-47 255
-77 382
-58 338

Estimated living cost  is ₽113331 per month

₽76497
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽10895
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽1987
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.
₽23956
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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