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
₽ 99000
per

Your estimated
City
free-cash

Zurich , Switzerland
-₽32072
-₽133
₽5370
₽377
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
-
-
-
99 000
city
-
-
-
1 043
pensions
-
-
-
9 108
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.

-
-
-
1 980
regional
-
-
-
3 329
health
-
-
-
252
national
-
-
-
576
total
-
-
-
16 288
Employee
90 510
-
88 611
-
city
971
-
952
-
regional
2 964
-
2 860
-
health
205
-
199
-
pensions
7 604
-
7 443
-
unemployment
-
-
-
-
national
428
-
413
-
total
12 172
-
11 867
-
Employer
90 510
-
88 611
-
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.

1 810
-
1 772
-
unemployment
-
-
-
-
pensions
7 604
-
7 443
-
health
205
-
199
-
total
9 619
-
9 414
-
Corporate
-
99 000
-
-
regional
-
20 939
-
-
national
-
8 415
-
-
total
-
29 354
-
-
Dividends
-
69 646
-
-
withholding
-
24 376
-
-
total
-
24 376
-
-
Income
99 000
99 000
99 000
99 000
Total tax
21 791
53 730
21 281
16 288
After tax
77 209
45 270
77 719
82 712
Living cost
77 342
77 342
77 342
77 342
Free-cash
-133
-32 072
377
5 370

Estimated living cost  is ₽77342 per week

₽50295
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽6941
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽950
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.
₽19157
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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