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
₽43795
₽11576
₽68972
₽77167
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.

-
-
-
3 801
city
-
-
-
2 002
regional
-
-
-
9 916
pensions
-
-
-
17 479
national
-
-
-
3 901
health
-
-
-
427
total
-
-
-
37 526
Employee
88 128
-
170 270
-
national
417
-
2 955
-
unemployment
-
-
-
-
city
946
-
1 832
-
regional
2 886
-
8 624
-
health
199
-
383
-
pensions
7 404
-
14 069
-
total
11 852
-
27 863
-
Employer
88 128
-
170 270
-
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.

1 762
-
3 406
-
pensions
7 404
-
14 069
-
unemployment
-
-
-
-
health
199
-
383
-
total
9 365
-
17 858
-
Corporate
91 537
190 000
-
-
regional
19 361
40 184
-
-
national
7 781
16 150
-
-
total
27 142
56 334
-
-
Dividends
64 395
133 666
-
-
withholding
22 539
46 783
-
-
total
22 539
46 783
-
-
Income
190 000
190 000
190 000
190 000
Total tax
70 898
103 117
45 721
37 526
After tax
119 102
86 883
144 279
152 474
Living cost
75 307
75 307
75 307
75 307
Free-cash
43 795
11 576
68 972
77 167

Estimated living cost  is ₽75307 per week

₽48971
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6758
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽925
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.
₽18653
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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