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
₽ 147000
per

Your estimated
City
free-cash

Zurich , Switzerland
-₽10405
₽22807
₽42788
₽35645
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
-
-
-
147 000
city
-
-
-
1 549
pensions
-
-
-
13 524
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.

-
-
-
2 941
regional
-
-
-
6 482
health
-
-
-
331
national
-
-
-
1 759
total
-
-
-
26 586
Employee
90 843
-
131 572
-
city
975
-
1 414
-
regional
2 975
-
5 567
-
health
205
-
295
-
pensions
7 632
-
11 053
-
unemployment
-
-
-
-
national
430
-
1 420
-
total
12 217
-
19 749
-
Employer
90 843
-
131 572
-
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.

1 816
-
2 632
-
unemployment
-
-
-
-
pensions
7 632
-
11 053
-
health
205
-
295
-
total
9 653
-
13 980
-
Corporate
45 504
147 000
-
-
regional
9 624
31 090
-
-
national
3 868
12 495
-
-
total
13 492
43 585
-
-
Dividends
32 013
103 415
-
-
withholding
11 205
36 194
-
-
total
11 205
36 194
-
-
Income
147 000
147 000
147 000
147 000
Total tax
46 567
79 779
33 729
26 586
After tax
100 433
67 221
113 271
120 414
Living cost
77 626
77 626
77 626
77 626
Free-cash
22 807
-10 405
35 645
42 788

Estimated living cost  is ₽77626 per week

₽50479
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6966
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽953
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.
₽19228
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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