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
₽ 78000
per

Your estimated
City
free-cash

Zurich , Switzerland
-₽40811
-₽10827
-₽14817
-₽20025
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
-
-
-
78 000
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.

-
-
-
1 560
health
-
-
-
249
regional
-
-
-
2 224
city
-
-
-
821
pensions
-
-
-
7 175
national
-
-
-
320
total
-
-
-
12 349
Employee
89 498
-
69 813
-
city
961
-
750
-
pensions
7 519
-
5 865
-
unemployment
-
-
-
-
national
424
-
266
-
health
202
-
157
-
regional
2 931
-
1 882
-
total
12 037
-
8 920
-
Employer
89 498
-
69 813
-
unemployment
-
-
-
-
health
202
-
157
-
pensions
7 519
-
5 865
-
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.

1 789
-
1 397
-
total
9 510
-
7 419
-
Corporate
-
78 000
-
-
national
-
6 629
-
-
regional
-
16 498
-
-
total
-
23 127
-
-
Dividends
-
54 873
-
-
withholding
-
19 206
-
-
total
-
19 206
-
-
Income
78 000
78 000
78 000
78 000
Total tax
21 547
42 333
16 339
12 349
After tax
56 453
35 667
61 661
65 651
Living cost
76 478
76 478
76 478
76 478
Free-cash
-20 025
-40 811
-14 817
-10 827

Estimated living cost  is ₽76478 per week

₽49732
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6863
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽939
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.
₽18943
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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