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
₽ 148000
per

Your estimated
City
free-cash

Zurich , Switzerland
-₽8713
₽23974
₽44706
₽37515
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
-
-
-
148 000
city
-
-
-
1 560
pensions
-
-
-
13 616
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.

-
-
-
2 961
regional
-
-
-
6 614
health
-
-
-
334
national
-
-
-
1 819
total
-
-
-
26 904
Employee
89 396
-
132 467
-
city
959
-
1 422
-
regional
2 927
-
5 694
-
health
202
-
298
-
pensions
7 510
-
11 128
-
unemployment
-
-
-
-
national
423
-
1 478
-
total
12 021
-
20 020
-
Employer
89 396
-
132 467
-
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.

1 787
-
2 649
-
unemployment
-
-
-
-
pensions
7 510
-
11 128
-
health
202
-
298
-
total
9 499
-
14 075
-
Corporate
48 121
148 000
-
-
regional
10 177
31 301
-
-
national
4 091
12 580
-
-
total
14 268
43 881
-
-
Dividends
33 854
104 118
-
-
withholding
11 848
36 442
-
-
total
11 848
36 442
-
-
Income
148 000
148 000
148 000
148 000
Total tax
47 636
80 323
34 095
26 904
After tax
100 364
67 677
113 905
121 096
Living cost
76 390
76 390
76 390
76 390
Free-cash
23 974
-8 713
37 515
44 706

Estimated living cost  is ₽76390 per week

₽49675
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6855
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽938
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.
₽18921
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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