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
-₽47302
-₽37228
-₽35251
-₽43686
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
pensions
-
-
-
1 933
city
-
-
-
220
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.

-
-
-
420
health
-
-
-
174
regional
-
-
-
215
national
-
-
-
-
total
-
-
-
2 962
Employee
62 361
-
18 311
-
health
141
-
41
-
unemployment
-
-
-
-
city
669
-
190
-
pensions
5 239
-
2 080
-
regional
2 042
-
140
-
national
295
-
-
-
total
8 386
-
2 451
-
Employer
62 361
-
18 311
-
health
141
-
41
-
pensions
5 239
-
2 080
-
unemployment
-
-
-
-
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.

1 247
-
367
-
total
6 627
-
2 488
-
Corporate
-
21 000
-
-
regional
-
4 441
-
-
national
-
1 785
-
-
total
-
6 226
-
-
Dividends
-
14 774
-
-
withholding
-
5 171
-
-
total
-
5 171
-
-
Income
21 000
21 000
21 000
21 000
Total tax
15 013
11 397
4 939
2 962
After tax
5 987
9 603
16 061
18 038
Living cost
53 289
53 289
53 289
53 289
Free-cash
-47 302
-43 686
-37 228
-35 251

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Estimated living cost  is ₽53289 per week

₽34653
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽4782
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽654
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.
₽13199
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.
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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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