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
₽ 128000
per

Your estimated
City
free-cash

Zurich , Switzerland
-₽17735
₽14898
₽29260
₽22958
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
-
-
-
128 000
city
-
-
-
1 350
pensions
-
-
-
11 776
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.

-
-
-
2 560
regional
-
-
-
5 203
health
-
-
-
288
national
-
-
-
1 297
total
-
-
-
22 474
Employee
89 251
-
114 567
-
city
958
-
1 230
-
regional
2 923
-
4 472
-
health
202
-
259
-
pensions
7 498
-
9 624
-
unemployment
-
-
-
-
national
422
-
1 016
-
total
12 003
-
16 601
-
Employer
89 251
-
114 567
-
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
-
2 292
-
unemployment
-
-
-
-
pensions
7 498
-
9 624
-
health
202
-
259
-
total
9 484
-
12 175
-
Corporate
28 283
128 000
-
-
regional
5 982
27 073
-
-
national
2 403
10 879
-
-
total
8 385
37 952
-
-
Dividends
19 898
90 048
-
-
withholding
6 964
31 517
-
-
total
6 964
31 517
-
-
Income
128 000
128 000
128 000
128 000
Total tax
36 836
69 469
28 776
22 474
After tax
91 164
58 531
99 224
105 526
Living cost
76 266
76 266
76 266
76 266
Free-cash
14 898
-17 735
22 958
29 260

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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