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
₽ 98000
per

Your estimated
City
free-cash

Valencia , Spain
₽40113
₽25621
₽27012
₽35172
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
-
-
-
98 000
accident
-
-
-
787
income
-
-
-
18 881
other
-
-
-
88
unemployment
-
-
-
611
pensions
-
-
-
24 713
total
-
-
-
45 080
Employee
34 837
-
74 310
-
other
34
-
75
-
unemployment
540
-
1 151
-
pensions
1 638
-
3 492
-
income
6 716
-
18 063
-
total
8 928
-
22 781
-
Employer
34 837
-
74 310
-
pensions
8 221
-
17 538
-
accident
690
-
1 471
-
unemployment
1 917
-
4 087
-
other
279
-
594
-
total
11 107
-
23 690
-
Corporate
52 056
98 000
-
-
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.

7 808
14 700
-
-
total
7 808
14 700
-
-
Dividends
44 248
83 300
-
-
withholding
9 077
17 279
-
-
total
9 077
17 279
-
-
Income
98 000
98 000
98 000
98 000
Total tax
36 920
31 979
46 471
45 080
After tax
61 080
66 021
51 529
52 920
Living cost
25 908
25 908
25 908
25 908
Free-cash
35 172
40 113
25 621
27 012

Estimated living cost  is ₽25908 per week

₽17488
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2491
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽454
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.
₽5476
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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