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
₽12249
₽69618
₽77731
₽44187
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.

-
-
-
3 799
regional
-
-
-
9 963
health
-
-
-
427
city
-
-
-
2 003
national
-
-
-
3 965
pensions
-
-
-
17 481
total
-
-
-
37 638
Employee
87 337
-
170 316
-
unemployment
-
-
-
-
pensions
7 337
-
14 021
-
national
413
-
3 024
-
regional
2 860
-
8 681
-
city
937
-
1 832
-
health
197
-
383
-
total
11 744
-
27 941
-
Employer
87 337
-
170 316
-
health
197
-
383
-
pensions
7 337
-
14 021
-
unemployment
-
-
-
-
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.

1 746
-
3 406
-
total
9 280
-
17 810
-
Corporate
92 422
190 000
-
-
regional
19 547
40 186
-
-
national
7 855
16 151
-
-
total
27 402
56 337
-
-
Dividends
65 019
133 664
-
-
withholding
22 756
46 783
-
-
total
22 756
46 783
-
-
Income
190 000
190 000
190 000
190 000
Total tax
71 182
103 120
45 751
37 638
After tax
118 818
86 880
144 249
152 362
Living cost
74 631
74 631
74 631
74 631
Free-cash
44 187
12 249
69 618
77 731

Estimated living cost  is ₽74631 per week

₽48531
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6697
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽916
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.
₽18486
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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