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
₽ 120000
per

Your estimated
City
free-cash

Zurich , Switzerland
-₽22453
₽10631
₽21999
₽16041
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
-
-
-
120 000
city
-
-
-
1 265
pensions
-
-
-
11 040
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.

-
-
-
2 399
regional
-
-
-
4 633
health
-
-
-
270
national
-
-
-
1 068
total
-
-
-
20 675
Employee
90 491
-
107 405
-
city
971
-
1 154
-
regional
2 963
-
3 980
-
health
205
-
242
-
pensions
7 602
-
9 022
-
unemployment
-
-
-
-
national
428
-
822
-
total
12 169
-
15 220
-
Employer
90 491
-
107 405
-
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.

1 809
-
2 149
-
unemployment
-
-
-
-
pensions
7 602
-
9 022
-
health
205
-
242
-
total
9 616
-
11 413
-
Corporate
18 898
120 000
-
-
regional
3 998
25 379
-
-
national
1 607
10 200
-
-
total
5 605
35 579
-
-
Dividends
13 293
84 421
-
-
withholding
4 653
29 548
-
-
total
4 653
29 548
-
-
Income
120 000
120 000
120 000
120 000
Total tax
32 043
65 127
26 633
20 675
After tax
87 957
54 873
93 367
99 325
Living cost
77 326
77 326
77 326
77 326
Free-cash
10 631
-22 453
16 041
21 999

Estimated living cost  is ₽77326 per week

₽50284
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6939
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽949
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.
₽19153
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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