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
₽ 127000
per

Your estimated
City
free-cash

Zurich , Switzerland
₽29403
₽23158
₽15011
-₽17195
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
-
-
-
127 000
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.

-
-
-
2 540
health
-
-
-
286
city
-
-
-
1 338
national
-
-
-
1 298
regional
-
-
-
5 183
pensions
-
-
-
11 684
total
-
-
-
22 329
Employee
88 083
-
113 671
-
pensions
7 400
-
9 550
-
national
417
-
1 017
-
unemployment
-
-
-
-
city
945
-
1 222
-
health
199
-
255
-
regional
2 884
-
4 452
-
total
11 845
-
16 496
-
Employer
88 083
-
113 671
-
pensions
7 400
-
9 550
-
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.

1 761
-
2 273
-
health
199
-
255
-
unemployment
-
-
-
-
total
9 360
-
12 078
-
Corporate
28 589
127 000
-
-
regional
6 047
26 861
-
-
national
2 430
10 795
-
-
total
8 477
37 656
-
-
Dividends
20 112
89 344
-
-
withholding
7 039
31 271
-
-
total
7 039
31 271
-
-
Income
127 000
127 000
127 000
127 000
Total tax
36 721
68 927
28 574
22 329
After tax
90 279
58 073
98 426
104 671
Living cost
75 268
75 268
75 268
75 268
Free-cash
15 011
-17 195
23 158
29 403

Estimated living cost  is ₽75268 per week

₽48946
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6754
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽924
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.
₽18643
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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