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
₽ 121000
per

Your estimated
City
free-cash

Zurich , Switzerland
-₽20937
₽11696
₽23786
₽17780
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
-
-
-
121 000
city
-
-
-
1 275
pensions
-
-
-
11 132
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.

-
-
-
2 419
regional
-
-
-
4 734
health
-
-
-
272
national
-
-
-
1 116
total
-
-
-
20 948
Employee
89 251
-
108 303
-
city
958
-
1 164
-
regional
2 923
-
4 076
-
health
202
-
243
-
pensions
7 498
-
9 097
-
unemployment
-
-
-
-
national
422
-
868
-
total
12 003
-
15 448
-
Employer
89 251
-
108 303
-
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.

1 784
-
2 166
-
unemployment
-
-
-
-
pensions
7 498
-
9 097
-
health
202
-
243
-
total
9 484
-
11 506
-
Corporate
21 283
121 000
-
-
regional
4 501
25 592
-
-
national
1 810
10 286
-
-
total
6 311
35 878
-
-
Dividends
14 972
85 123
-
-
withholding
5 240
29 793
-
-
total
5 240
29 793
-
-
Income
121 000
121 000
121 000
121 000
Total tax
33 038
65 671
26 954
20 948
After tax
87 962
55 329
94 046
100 052
Living cost
76 266
76 266
76 266
76 266
Free-cash
11 696
-20 937
17 780
23 786

Estimated living cost  is ₽76266 per week

₽49595
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6844
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽936
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.
₽18891
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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