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
₽79245
₽45222
₽71348
₽14068
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
-
-
-
4 140
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
-
-
-
17 479
city
-
-
-
2 003
health
-
-
-
428
regional
-
-
-
10 090
total
-
-
-
37 940
Employee
85 213
-
170 442
-
city
915
-
1 837
-
pensions
7 159
-
13 890
-
health
193
-
383
-
regional
2 790
-
8 829
-
unemployment
-
-
-
-
national
403
-
3 216
-
total
11 460
-
28 155
-
Employer
85 213
-
170 442
-
pensions
7 159
-
13 890
-
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.

1 704
-
3 409
-
health
193
-
383
-
unemployment
-
-
-
-
total
9 056
-
17 682
-
Corporate
94 795
190 000
-
-
national
8 057
16 151
-
-
regional
20 048
40 184
-
-
total
28 105
56 335
-
-
Dividends
66 690
133 665
-
-
withholding
23 342
46 782
-
-
total
23 342
46 782
-
-
Income
190 000
190 000
190 000
190 000
Total tax
71 963
103 117
45 837
37 940
After tax
118 037
86 883
144 163
152 060
Living cost
72 815
72 815
72 815
72 815
Free-cash
45 222
14 068
71 348
79 245

Estimated living cost  is ₽72815 per week

₽47351
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6534
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽894
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.
₽18036
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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