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
€ 1350
per

Your estimated
City
free-cash

Zurich , Switzerland
-€148
€180
€345
€279
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
-
-
-
1 350
city
-
-
-
14
pensions
-
-
-
124
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.

-
-
-
27
regional
-
-
-
57
health
-
-
-
3
national
-
-
-
15
total
-
-
-
240
Employee
896
-
1 208
-
city
10
-
13
-
regional
29
-
49
-
health
2
-
3
-
pensions
75
-
101
-
unemployment
-
-
-
-
national
4
-
12
-
total
120
-
178
-
Employer
896
-
1 208
-
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.

18
-
24
-
unemployment
-
-
-
-
pensions
75
-
101
-
health
2
-
3
-
total
95
-
128
-
Corporate
349
1 350
-
-
regional
74
286
-
-
national
30
115
-
-
total
104
401
-
-
Dividends
246
950
-
-
withholding
86
332
-
-
total
86
332
-
-
Income
1 350
1 350
1 350
1 350
Total tax
405
733
306
240
After tax
945
617
1 044
1 110
Living cost
765
765
765
765
Free-cash
180
-148
279
345

Estimated living cost  is €765 per week

€498
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
€69
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
€9
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.
€190
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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