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
₽ 190000
per

Your estimated
City
free-cash

Zurich , Switzerland
₽44477
₽12760
₽70105
₽78156
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
-
-
-
190 000
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.

-
-
-
3 800
city
-
-
-
2 003
regional
-
-
-
9 998
pensions
-
-
-
17 480
national
-
-
-
4 014
health
-
-
-
428
total
-
-
-
37 723
Employee
86 740
-
170 354
-
national
411
-
3 078
-
unemployment
-
-
-
-
city
931
-
1 833
-
regional
2 840
-
8 723
-
health
196
-
383
-
pensions
7 287
-
13 983
-
total
11 665
-
28 000
-
Employer
86 740
-
170 354
-
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.

1 734
-
3 408
-
pensions
7 287
-
13 983
-
unemployment
-
-
-
-
health
196
-
383
-
total
9 217
-
17 774
-
Corporate
93 088
190 000
-
-
regional
19 688
40 185
-
-
national
7 912
16 151
-
-
total
27 600
56 336
-
-
Dividends
65 489
133 664
-
-
withholding
22 920
46 783
-
-
total
22 920
46 783
-
-
Income
190 000
190 000
190 000
190 000
Total tax
71 402
103 119
45 774
37 723
After tax
118 598
86 881
144 226
152 277
Living cost
74 121
74 121
74 121
74 121
Free-cash
44 477
12 760
70 105
78 156

Estimated living cost  is ₽74121 per week

₽48200
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6652
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽910
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.
₽18359
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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