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
₽79071
₽45106
₽71151
₽13859
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
-
-
-
4 120
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
-
-
-
17 480
city
-
-
-
2 003
health
-
-
-
428
regional
-
-
-
10 075
total
-
-
-
37 906
Employee
85 456
-
170 429
-
city
917
-
1 836
-
pensions
7 179
-
13 905
-
health
193
-
383
-
regional
2 798
-
8 813
-
unemployment
-
-
-
-
national
404
-
3 193
-
total
11 491
-
28 130
-
Employer
85 456
-
170 429
-
pensions
7 179
-
13 905
-
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.

1 709
-
3 408
-
health
193
-
383
-
unemployment
-
-
-
-
total
9 081
-
17 696
-
Corporate
94 523
190 000
-
-
national
8 035
16 150
-
-
regional
19 991
40 185
-
-
total
28 026
56 335
-
-
Dividends
66 497
133 665
-
-
withholding
23 273
46 783
-
-
total
23 273
46 783
-
-
Income
190 000
190 000
190 000
190 000
Total tax
71 871
103 118
45 826
37 906
After tax
118 129
86 882
144 174
152 094
Living cost
73 023
73 023
73 023
73 023
Free-cash
45 106
13 859
71 151
79 071

Estimated living cost  is ₽73023 per week

₽47486
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6553
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽896
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.
₽18087
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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