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
₽79146
₽45152
₽71234
₽13949
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
national
-
-
-
4 128
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.

-
-
-
3 801
pensions
-
-
-
17 479
city
-
-
-
2 002
health
-
-
-
427
regional
-
-
-
10 082
total
-
-
-
37 919
Employee
85 353
-
170 434
-
city
916
-
1 836
-
pensions
7 171
-
13 898
-
health
193
-
384
-
regional
2 795
-
8 819
-
unemployment
-
-
-
-
national
404
-
3 203
-
total
11 479
-
28 140
-
Employer
85 353
-
170 434
-
pensions
7 171
-
13 898
-
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.

1 707
-
3 409
-
health
193
-
384
-
unemployment
-
-
-
-
total
9 071
-
17 691
-
Corporate
94 639
190 000
-
-
national
8 044
16 149
-
-
regional
20 016
40 185
-
-
total
28 060
56 334
-
-
Dividends
66 579
133 666
-
-
withholding
23 303
46 782
-
-
total
23 303
46 782
-
-
Income
190 000
190 000
190 000
190 000
Total tax
71 913
103 116
45 831
37 919
After tax
118 087
86 884
144 169
152 081
Living cost
72 935
72 935
72 935
72 935
Free-cash
45 152
13 949
71 234
79 146

Estimated living cost  is ₽72935 per week

₽47429
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6545
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽895
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.
₽18066
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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