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
₽ 65000
per

Your estimated
City
free-cash

Zurich , Switzerland
-₽46844
-₽21604
-₽24932
-₽33138
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
-
-
-
65 000
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.

-
-
-
1 300
health
-
-
-
250
regional
-
-
-
1 603
city
-
-
-
684
pensions
-
-
-
5 980
national
-
-
-
222
total
-
-
-
10 039
Employee
89 601
-
58 178
-
city
962
-
625
-
pensions
7 528
-
4 887
-
unemployment
-
-
-
-
national
424
-
185
-
health
203
-
132
-
regional
2 934
-
1 355
-
total
12 051
-
7 184
-
Employer
89 601
-
58 178
-
unemployment
-
-
-
-
health
203
-
132
-
pensions
7 528
-
4 887
-
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.

1 791
-
1 164
-
total
9 522
-
6 183
-
Corporate
-
65 000
-
-
national
-
5 526
-
-
regional
-
13 748
-
-
total
-
19 274
-
-
Dividends
-
45 727
-
-
withholding
-
16 005
-
-
total
-
16 005
-
-
Income
65 000
65 000
65 000
65 000
Total tax
21 573
35 279
13 367
10 039
After tax
43 427
29 721
51 633
54 961
Living cost
76 565
76 565
76 565
76 565
Free-cash
-33 138
-46 844
-24 932
-21 604

Estimated living cost  is ₽76565 per week

₽49789
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6871
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽940
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.
₽18965
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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