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
₴ 81000
per

Your estimated
City
free-cash

Zurich , Switzerland
₴32639
₴29109
₴18493
₴4625
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
-
-
-
81 000
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.

-
-
-
1 620
health
-
-
-
182
city
-
-
-
854
national
-
-
-
1 633
regional
-
-
-
4 206
pensions
-
-
-
7 452
total
-
-
-
15 947
Employee
37 933
-
72 567
-
pensions
3 187
-
6 021
-
national
180
-
1 227
-
unemployment
-
-
-
-
city
407
-
780
-
health
86
-
163
-
regional
1 242
-
3 651
-
total
5 102
-
11 842
-
Employer
37 933
-
72 567
-
pensions
3 187
-
6 021
-
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.

758
-
1 451
-
health
86
-
163
-
unemployment
-
-
-
-
total
4 031
-
7 635
-
Corporate
38 619
81 000
-
-
regional
8 168
17 131
-
-
national
3 283
6 885
-
-
total
11 451
24 016
-
-
Dividends
27 169
56 984
-
-
withholding
9 509
19 945
-
-
total
9 509
19 945
-
-
Income
81 000
81 000
81 000
81 000
Total tax
30 093
43 961
19 477
15 947
After tax
50 907
37 039
61 523
65 053
Living cost
32 414
32 414
32 414
32 414
Free-cash
18 493
4 625
29 109
32 639

Estimated living cost  is ₴32414 per week

₴21078
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₴2909
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₴398
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.
₴8029
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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