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
₽ 21000
per

Your estimated
City
free-cash

Zurich , Switzerland
-₽73689
-₽64273
-₽58576
-₽55800
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
-
-
-
21 000
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.

-
-
-
419
city
-
-
-
218
regional
-
-
-
114
pensions
-
-
-
1 932
national
-
-
-
-
health
-
-
-
241
total
-
-
-
2 924
Employee
86 454
-
17 888
-
national
409
-
-
-
unemployment
-
-
-
-
city
928
-
180
-
regional
2 831
-
49
-
health
195
-
40
-
pensions
7 263
-
2 516
-
total
11 626
-
2 785
-
Employer
86 454
-
17 888
-
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.

1 729
-
359
-
pensions
7 263
-
2 516
-
unemployment
-
-
-
-
health
195
-
40
-
total
9 187
-
2 915
-
Corporate
-
21 000
-
-
regional
-
4 442
-
-
national
-
1 785
-
-
total
-
6 227
-
-
Dividends
-
14 773
-
-
withholding
-
5 170
-
-
total
-
5 170
-
-
Income
21 000
21 000
21 000
21 000
Total tax
20 813
11 397
5 700
2 924
After tax
187
9 603
15 300
18 076
Living cost
73 876
73 876
73 876
73 876
Free-cash
-73 689
-64 273
-58 576
-55 800

Estimated living cost  is ₽73876 per week

₽48041
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6630
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽907
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.
₽18299
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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Estimated living cost

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