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
₴ 44000
per

Your estimated
City
free-cash

Zurich , Switzerland
-₴12677
₴1356
₴3878
₴1687
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
-
-
-
44 000
city
-
-
-
463
pensions
-
-
-
4 047
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.

-
-
-
880
regional
-
-
-
1 537
health
-
-
-
107
national
-
-
-
291
total
-
-
-
7 325
Employee
38 381
-
39 383
-
city
412
-
423
-
regional
1 257
-
1 312
-
health
87
-
88
-
pensions
3 224
-
3 308
-
unemployment
-
-
-
-
national
182
-
201
-
total
5 162
-
5 332
-
Employer
38 381
-
39 383
-
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.

767
-
788
-
unemployment
-
-
-
-
pensions
3 224
-
3 308
-
health
87
-
88
-
total
4 078
-
4 184
-
Corporate
1 119
44 000
-
-
regional
237
9 306
-
-
national
95
3 740
-
-
total
332
13 046
-
-
Dividends
787
30 954
-
-
withholding
275
10 834
-
-
total
275
10 834
-
-
Income
44 000
44 000
44 000
44 000
Total tax
9 847
23 880
9 516
7 325
After tax
34 153
20 120
34 484
36 675
Living cost
32 797
32 797
32 797
32 797
Free-cash
1 356
-12 677
1 687
3 878

Estimated living cost  is ₴32797 per week

₴21327
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴2943
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴403
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.
₴8124
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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