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
₽ 97500
per

Your estimated
City
free-cash

Valencia , Spain
₽41144
₽26367
₽28543
₽36466
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
-
-
-
97 500
unemployment
-
-
-
579
pensions
-
-
-
23 398
accident
-
-
-
745
other
-
-
-
83
income
-
-
-
19 622
total
-
-
-
44 427
Employee
32 983
-
73 932
-
pensions
1 551
-
3 475
-
other
32
-
74
-
unemployment
511
-
1 146
-
income
6 359
-
18 340
-
total
8 453
-
23 035
-
Employer
32 983
-
73 932
-
pensions
7 783
-
17 447
-
accident
653
-
1 464
-
unemployment
1 815
-
4 066
-
other
264
-
591
-
total
10 515
-
23 568
-
Corporate
54 001
97 500
-
-
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.

8 100
14 626
-
-
total
8 100
14 626
-
-
Dividends
45 901
82 874
-
-
withholding
9 436
17 200
-
-
total
9 436
17 200
-
-
Income
97 500
97 500
97 500
97 500
Total tax
36 504
31 826
46 603
44 427
After tax
60 996
65 674
50 897
53 073
Living cost
24 530
24 530
24 530
24 530
Free-cash
36 466
41 144
26 367
28 543

Estimated living cost  is ₽24530 per week

₽16557
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2358
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽430
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.
₽5185
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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