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
₽ 122000
per

Your estimated
City
free-cash

Zurich , Switzerland
-₽21554
₽11536
₽23565
₽17505
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
-
-
-
122 000
city
-
-
-
1 285
pensions
-
-
-
11 223
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.

-
-
-
2 439
regional
-
-
-
4 758
health
-
-
-
274
national
-
-
-
1 114
total
-
-
-
21 093
Employee
90 510
-
109 195
-
city
971
-
1 174
-
regional
2 964
-
4 094
-
health
205
-
246
-
pensions
7 604
-
9 173
-
unemployment
-
-
-
-
national
428
-
864
-
total
12 172
-
15 551
-
Employer
90 510
-
109 195
-
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.

1 810
-
2 183
-
unemployment
-
-
-
-
pensions
7 604
-
9 173
-
health
205
-
246
-
total
9 619
-
11 602
-
Corporate
20 876
122 000
-
-
regional
4 416
25 804
-
-
national
1 774
10 369
-
-
total
6 190
36 173
-
-
Dividends
14 687
85 827
-
-
withholding
5 141
30 039
-
-
total
5 141
30 039
-
-
Income
122 000
122 000
122 000
122 000
Total tax
33 122
66 212
27 153
21 093
After tax
88 878
55 788
94 847
100 907
Living cost
77 342
77 342
77 342
77 342
Free-cash
11 536
-21 554
17 505
23 565

Estimated living cost  is ₽77342 per week

₽50295
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6941
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽950
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.
₽19157
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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