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
$ 98600

per

Your estimated

Best value All models

City

free-cash

Zurich , Switzerland

$17668

-$2836

$27733

$32522

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

98 600

health

222

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.

1 972

national

1 293

regional

4 558

pensions

9 071

city

1 039

total

18 155

Employee

56 082

88 252

pensions

4 712

7 413

city

602

948

regional

1 836

3 944

health

127

198

national

265

1 065

unemployment

total

7 542

13 568

Employer

56 082

88 252

health

127

198

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.

1 121

1 765

unemployment

pensions

4 712

7 413

total

5 960

9 376

Corporate

35 942

98 600

regional

7 602

20 854

national

3 055

8 381

total

10 657

29 235

Dividends

25 285

69 365

withholding

8 850

24 278

total

8 850

24 278

Income

98 600

Total tax

33 009

53 513

22 944

18 155

After tax

65 591

45 087

75 656

80 445

Living cost

47 923

Free-cash

17 668

-2 836

27 733

32 522

Estimated living cost is $47923 per year

$31163

Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.

$4301

Public transport and taxi. Monthly travel card, and a few taxi rides per week.

$588

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.

$11870

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.

I'm drinking at home rarely or never.

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.