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
₽45843
₽15153
₽72386
₽80154
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.

-
-
-
3 800
city
-
-
-
2 002
regional
-
-
-
10 165
pensions
-
-
-
17 481
national
-
-
-
4 244
health
-
-
-
427
total
-
-
-
38 119
Employee
83 939
-
170 521
-
national
397
-
3 330
-
unemployment
-
-
-
-
city
901
-
1 839
-
regional
2 749
-
8 920
-
health
190
-
383
-
pensions
7 052
-
13 811
-
total
11 289
-
28 283
-
Employer
83 939
-
170 521
-
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.

1 678
-
3 410
-
pensions
7 052
-
13 811
-
unemployment
-
-
-
-
health
190
-
383
-
total
8 920
-
17 604
-
Corporate
96 219
190 000
-
-
regional
20 351
40 186
-
-
national
8 179
16 151
-
-
total
28 530
56 337
-
-
Dividends
67 688
133 664
-
-
withholding
23 691
46 783
-
-
total
23 691
46 783
-
-
Income
190 000
190 000
190 000
190 000
Total tax
72 430
103 120
45 887
38 119
After tax
117 570
86 880
144 113
151 881
Living cost
71 727
71 727
71 727
71 727
Free-cash
45 843
15 153
72 386
80 154

Estimated living cost  is ₽71727 per week

₽46643
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6437
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽881
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.
₽17766
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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