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
₽69105
₽11711
₽77280
₽43874
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
health
-
-
-
427
pensions
-
-
-
17 480
city
-
-
-
2 002
national
-
-
-
3 915
regional
-
-
-
9 926
total
-
-
-
37 550
Employee
87 969
-
170 280
-
national
416
-
2 969
-
city
944
-
1 832
-
pensions
7 391
-
14 059
-
health
199
-
382
-
regional
2 881
-
8 636
-
unemployment
-
-
-
-
total
11 831
-
27 878
-
Employer
87 969
-
170 280
-
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.

1 759
-
3 406
-
unemployment
-
-
-
-
health
199
-
382
-
pensions
7 391
-
14 059
-
total
9 349
-
17 847
-
Corporate
91 716
190 000
-
-
regional
19 397
40 185
-
-
national
7 796
16 150
-
-
total
27 193
56 335
-
-
Dividends
64 522
133 665
-
-
withholding
22 583
46 784
-
-
total
22 583
46 784
-
-
Income
190 000
190 000
190 000
190 000
Total tax
70 956
103 119
45 725
37 550
After tax
119 044
86 881
144 275
152 450
Living cost
75 170
75 170
75 170
75 170
Free-cash
43 874
11 711
69 105
77 280

Estimated living cost  is ₽75170 per week

₽48882
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6746
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽923
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.
₽18619
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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