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
₽44219
₽12314
₽69677
₽77784
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
-
-
-
2 003
regional
-
-
-
9 968
pensions
-
-
-
17 480
national
-
-
-
3 971
health
-
-
-
427
total
-
-
-
37 649
Employee
87 262
-
170 320
-
national
413
-
3 031
-
unemployment
-
-
-
-
city
937
-
1 833
-
regional
2 857
-
8 685
-
health
197
-
383
-
pensions
7 331
-
14 017
-
total
11 735
-
27 949
-
Employer
87 262
-
170 320
-
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.

1 745
-
3 407
-
pensions
7 331
-
14 017
-
unemployment
-
-
-
-
health
197
-
383
-
total
9 273
-
17 807
-
Corporate
92 505
190 000
-
-
regional
19 565
40 186
-
-
national
7 864
16 151
-
-
total
27 429
56 337
-
-
Dividends
65 076
133 664
-
-
withholding
22 777
46 782
-
-
total
22 777
46 782
-
-
Income
190 000
190 000
190 000
190 000
Total tax
71 214
103 119
45 756
37 649
After tax
118 786
86 881
144 244
152 351
Living cost
74 567
74 567
74 567
74 567
Free-cash
44 219
12 314
69 677
77 784

Estimated living cost  is ₽74567 per week

₽48490
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6692
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽915
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.
₽18470
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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