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
₽80013
₽45747
₽72228
₽14987
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
-
-
-
4 226
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
pensions
-
-
-
17 481
city
-
-
-
2 004
health
-
-
-
428
regional
-
-
-
10 152
total
-
-
-
38 091
Employee
84 137
-
170 508
-
city
903
-
1 837
-
pensions
7 069
-
13 821
-
health
190
-
384
-
regional
2 755
-
8 906
-
unemployment
-
-
-
-
national
398
-
3 312
-
total
11 315
-
28 260
-
Employer
84 137
-
170 508
-
pensions
7 069
-
13 821
-
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.

1 682
-
3 411
-
health
190
-
384
-
unemployment
-
-
-
-
total
8 941
-
17 616
-
Corporate
95 997
190 000
-
-
national
8 160
16 150
-
-
regional
20 303
40 185
-
-
total
28 463
56 335
-
-
Dividends
67 535
133 665
-
-
withholding
23 638
46 782
-
-
total
23 638
46 782
-
-
Income
190 000
190 000
190 000
190 000
Total tax
72 357
103 117
45 876
38 091
After tax
117 643
86 883
144 124
151 909
Living cost
71 896
71 896
71 896
71 896
Free-cash
45 747
14 987
72 228
80 013

Estimated living cost  is ₽71896 per week

₽46753
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6452
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽883
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.
₽17808
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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