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
₽69313
₽11931
₽77463
₽44000
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
city
-
-
-
2 002
health
-
-
-
427
national
-
-
-
3 934
pensions
-
-
-
17 480
regional
-
-
-
9 941
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
total
-
-
-
37 584
Employee
87 715
-
170 295
-
pensions
7 369
-
14 043
-
city
941
-
1 833
-
health
198
-
383
-
national
415
-
2 991
-
regional
2 872
-
8 653
-
unemployment
-
-
-
-
total
11 795
-
27 903
-
Employer
87 715
-
170 295
-
unemployment
-
-
-
-
health
198
-
383
-
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.

1 754
-
3 405
-
pensions
7 369
-
14 043
-
total
9 321
-
17 831
-
Corporate
92 000
190 000
-
-
national
7 820
16 149
-
-
regional
19 459
40 184
-
-
total
27 279
56 333
-
-
Dividends
64 721
133 666
-
-
withholding
22 652
46 783
-
-
total
22 652
46 783
-
-
Income
190 000
190 000
190 000
190 000
Total tax
71 047
103 116
45 734
37 584
After tax
118 953
86 884
144 266
152 416
Living cost
74 953
74 953
74 953
74 953
Free-cash
44 000
11 931
69 313
77 463

Estimated living cost  is ₽74953 per week

₽48741
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6726
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽920
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.
₽18565
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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