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
₽72754
₽15540
₽80477
₽46065
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
regional
-
-
-
10 191
pensions
-
-
-
17 480
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
health
-
-
-
427
national
-
-
-
4 280
total
-
-
-
38 181
Employee
83 489
-
170 546
-
city
896
-
1 838
-
unemployment
-
-
-
-
pensions
7 014
-
13 783
-
regional
2 734
-
8 951
-
health
189
-
383
-
national
395
-
3 371
-
total
11 228
-
28 326
-
Employer
83 489
-
170 546
-
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.

1 669
-
3 412
-
health
189
-
383
-
unemployment
-
-
-
-
pensions
7 014
-
13 783
-
total
8 872
-
17 578
-
Corporate
96 721
190 000
-
-
national
8 222
16 150
-
-
regional
20 456
40 185
-
-
total
28 678
56 335
-
-
Dividends
68 043
133 665
-
-
withholding
23 815
46 783
-
-
total
23 815
46 783
-
-
Income
190 000
190 000
190 000
190 000
Total tax
72 593
103 118
45 904
38 181
After tax
117 407
86 882
144 096
151 819
Living cost
71 342
71 342
71 342
71 342
Free-cash
46 065
15 540
72 754
80 477

Estimated living cost  is ₽71342 per week

₽46393
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6402
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽876
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.
₽17671
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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