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
₽ 194000
per

Your estimated
City
free-cash

Zurich , Switzerland
₽12447
₽45077
₽79313
₽71019
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
-
-
-
194 000
city
-
-
-
2 045
pensions
-
-
-
17 849
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.

-
-
-
3 880
regional
-
-
-
10 168
health
-
-
-
437
national
-
-
-
4 042
total
-
-
-
38 421
Employee
89 251
-
173 895
-
city
958
-
1 871
-
regional
2 923
-
8 858
-
health
202
-
392
-
pensions
7 498
-
14 321
-
unemployment
-
-
-
-
national
422
-
3 081
-
total
12 003
-
28 523
-
Employer
89 251
-
173 895
-
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.

1 784
-
3 479
-
unemployment
-
-
-
-
pensions
7 498
-
14 321
-
health
202
-
392
-
total
9 484
-
18 192
-
Corporate
94 283
194 000
-
-
regional
19 941
41 031
-
-
national
8 013
16 489
-
-
total
27 954
57 520
-
-
Dividends
66 329
136 480
-
-
withholding
23 216
47 767
-
-
total
23 216
47 767
-
-
Income
194 000
194 000
194 000
194 000
Total tax
72 657
105 287
46 715
38 421
After tax
121 343
88 713
147 285
155 579
Living cost
76 266
76 266
76 266
76 266
Free-cash
45 077
12 447
71 019
79 313

Estimated living cost  is ₽76266 per week

₽49595
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6844
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽936
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.
₽18891
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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