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
€ 1050
per

Your estimated
City
free-cash

Zurich , Switzerland
-€2839
-€3204
-€2416
-€2540
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
-
-
-
1 050
city
-
-
-
11
pensions
-
-
-
97
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.

-
-
-
21
regional
-
-
-
7
health
-
-
-
11
national
-
-
-
-
total
-
-
-
147
Employee
3 884
-
902
-
city
42
-
9
-
regional
127
-
4
-
health
9
-
2
-
pensions
326
-
118
-
unemployment
-
-
-
-
national
18
-
-
-
total
522
-
133
-
Employer
3 884
-
902
-
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.

78
-
18
-
unemployment
-
-
-
-
pensions
326
-
118
-
health
9
-
2
-
total
413
-
138
-
Corporate
-
1 050
-
-
regional
-
222
-
-
national
-
89
-
-
total
-
311
-
-
Dividends
-
739
-
-
withholding
-
259
-
-
total
-
259
-
-
Income
1 050
1 050
1 050
1 050
Total tax
935
570
271
147
After tax
115
480
779
903
Living cost
3 319
3 319
3 319
3 319
Free-cash
-3 204
-2 839
-2 540
-2 416

Estimated living cost  is €3319 per month

€2158
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
€298
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
€41
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.
€822
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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Estimated living cost

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Source

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