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
€ 10200
per

Your estimated
City
free-cash

Zurich , Switzerland
-€35182
-€37705
-€33588
-€44107
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
-
-
-
10 200
regional
-
-
-
33
pensions
-
-
-
938
other

This will depend on a canton and a chosen fund. The rate is between 0.3% and 3.4% with a maximum base of 148,200 CHF. We use 2% as an average rate.

-
-
-
203
city
-
-
-
107
health
-
-
-
138
national
-
-
-
-
total
-
-
-
1 419
Employee
49 583
-
8 557
-
city
532
-
84
-
unemployment
-
-
-
-
pensions
4 166
-
1 359
-
regional
1 624
-
-
-
health
112
-
20
-
national
235
-
-
-
total
6 669
-
1 463
-
Employer
49 583
-
8 557
-
other

This will depend on a canton and a chosen fund. The rate is between 0.1% and 3.63% for an employee. We use 2% as an average rate.

991
-
171
-
health
112
-
20
-
unemployment
-
-
-
-
pensions
4 166
-
1 359
-
total
5 269
-
1 550
-
Corporate
-
10 200
-
-
national
-
867
-
-
regional
-
2 157
-
-
total
-
3 024
-
-
Dividends
-
7 176
-
-
withholding
-
2 512
-
-
total
-
2 512
-
-
Income
10 200
10 200
10 200
10 200
Total tax
11 938
5 536
3 013
1 419
After tax
-1 738
4 664
7 187
8 781
Living cost
42 369
42 369
42 369
42 369
Free-cash
-44 107
-37 705
-35 182
-33 588

Estimated living cost  is €42369 per year

€27552
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
€3802
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
€520
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.
€10494
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.
 Adjust living cost Show details

Additional information

It is extremely rare that a Third Country National (non-EU/EFTA/Swiss and without a long-term EU resident permit) is given a residence permit based on self-employment.

Source of data for Zurich model

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Estimated living cost

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