Go Back   English Forum Switzerland > Living in Switzerland > Daily life
Reply
 
Thread Tools Display Modes
  #1  
Old 21.07.2010, 17:59
Newbie
 
Join Date: Jul 2010
Location: Out of Switzerland
Posts: 8
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
Nicktitane has no particular reputation at present
Cost of living - Winterthur near Zurich

Hello,

I'm married with no children and we have been offered to come to work in Switzerland. They are offering me 13 x 7000 CHF/month net (13 meaning they pay 13 times per year).

Now I'm from Canada, so it's hard for me to evaluate if this is good or not. I've been told by aquaintances that for two to live well, you need 8500 CHF/month net. I find this a bit high. To define living well, we want to rent a 2 bedroom appartment, later on a small compact car, visit a little bit Europe since we will be there, and be able to save a bit at the end of the month.

Can somebody tell me if the 13 x 7000 CHF/month net is good or not.

Thank you very much and best regards.
Reply With Quote
  #2  
Old 21.07.2010, 18:01
Senior Member
 
Join Date: May 2010
Location: Basel
Posts: 350
Groaned at 0 Times in 0 Posts
Thanked 632 Times in 186 Posts
Moorsholm has a reputation beyond reputeMoorsholm has a reputation beyond reputeMoorsholm has a reputation beyond reputeMoorsholm has a reputation beyond reputeMoorsholm has a reputation beyond repute
Re: Cost of living - Winterthur near Zurich

That's a good salary and more than enough to live well, travel and save too.
Reply With Quote
  #3  
Old 21.07.2010, 18:07
dodgyken's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Democratic Republic Kenistan
Posts: 9,793
Groaned at 340 Times in 276 Posts
Thanked 17,388 Times in 6,651 Posts
dodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond repute
Re: Cost of living - Winterthur near Zurich

Like the rest of the internet this website features a search facility.

Imagine the power of using that search facility to return answers to questions.
Reply With Quote
This user would like to thank dodgyken for this useful post:
  #4  
Old 21.07.2010, 18:28
Newbie
 
Join Date: Jul 2010
Location: Out of Switzerland
Posts: 8
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
Nicktitane has no particular reputation at present
Re: Cost of living - Winterthur near Zurich

Thanks StephanieWD. But why some people would tell me 8500 CHF net per month. My research pointed me more toward this 7000 figure ?
Reply With Quote
  #5  
Old 21.07.2010, 18:35
foliorose's Avatar
Senior Member
 
Join Date: Mar 2010
Location: Zürich Seefeld
Posts: 367
Groaned at 13 Times in 7 Posts
Thanked 295 Times in 138 Posts
foliorose has earned some respectfoliorose has earned some respect
Re: Cost of living - Winterthur near Zurich

Quote:
View Post
Hello,

I'm married with no children and we have been offered to come to work in Switzerland. They are offering me 13 x 7000 CHF/month net (13 meaning they pay 13 times per year).

Now I'm from Canada, so it's hard for me to evaluate if this is good or not. I've been told by aquaintances that for two to live well, you need 8500 CHF/month net. I find this a bit high. To define living well, we want to rent a 2 bedroom appartment, later on a small compact car, visit a little bit Europe since we will be there, and be able to save a bit at the end of the month.

Can somebody tell me if the 13 x 7000 CHF/month net is good or not.

Thank you very much and best regards.
Congrats on the job offer!!! That is a decent salary, but it also depends a lot on how much financial obligation you have in Canada. It's very easy to wire money back, of course, but that will take away from your monthly totals in Switzerland. To have a two bedroom, a small car, travel a bit and save each month, it seems to me that you would not have much ability to cover much else. You can look at apartment prices and health insurance prices on www.comparis.ch There is no national health service in Switzerland - you will have to pay monthly premiums for you and your wife. Do a search for "Insurance Jenny" here on the EF and you'll find lots of information about that. Good luck!!
Reply With Quote
  #6  
Old 21.07.2010, 18:38
dodgyken's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Democratic Republic Kenistan
Posts: 9,793
Groaned at 340 Times in 276 Posts
Thanked 17,388 Times in 6,651 Posts
dodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond repute
Re: Cost of living - Winterthur near Zurich

Define "live well"??

The majority of people can live within whatever budget they have. When I left university I earned £13k per year - that got me a small flat, travel into London, money for food, and the odd beer - that was it - nothing fancy. I survived without any problems.

Ever since I have earned progressively more money until I now earn more than ever thought I would in a year - I didn't have a great imagination.

If you are used to 5* holidays, driving a Porsche and dining in Michelin star restaurants you'll be disappointed.

Is the 7k net or gross?
Reply With Quote
  #7  
Old 21.07.2010, 18:45
Forum Veteran
 
Join Date: Jan 2010
Location: Monaco
Posts: 515
Groaned at 61 Times in 27 Posts
Thanked 658 Times in 281 Posts
scrambled has a reputation beyond reputescrambled has a reputation beyond reputescrambled has a reputation beyond reputescrambled has a reputation beyond repute
Re: Cost of living - Winterthur near Zurich

i hope you enjoy canned beans because on that salary, eating meat is out of the question.
Reply With Quote
  #8  
Old 21.07.2010, 19:33
Newbie
 
Join Date: Jul 2010
Location: Out of Switzerland
Posts: 8
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
Nicktitane has no particular reputation at present
Re: Cost of living - Winterthur near Zurich

dodgyken, to answer your questions :
- it's 7000 CHF net per month, x 13 pay per year
- My ideal of well is a 2 bedroom appartment rented, small NISSAN TIIDA style car
- My wife get's to shop a little bit, and we travel to visit Europe once per 2 months
- Would like to save a bit of money too

Scrambled to answer your comment :
- I've been told by other sources that 8500 CHF is better
- I do not plan to live in Zurich but in Winterthur
- I'm a bit confused ...
Reply With Quote
  #9  
Old 21.07.2010, 20:12
foliorose's Avatar
Senior Member
 
Join Date: Mar 2010
Location: Zürich Seefeld
Posts: 367
Groaned at 13 Times in 7 Posts
Thanked 295 Times in 138 Posts
foliorose has earned some respectfoliorose has earned some respect
Re: Cost of living - Winterthur near Zurich

Quote:
View Post
i hope you enjoy canned beans because on that salary, eating meat is out of the question.
Nicktitane,
What Scrambled means is that everything is EXPENSIVE in Switzerland. Have you ever been to Switzerland? Are you a native of Canada or have you lived abroad before? Your profile doesn't offer much information... I am moving back to Switzerland in ten days and I lived there for a year in 06-07. At that time, I was paid very well and lived in a relatively low cost of living area. Even still, I did not eat a steak the entire year. I stuck to chicken, ground beef, sausages, etc. It is a VERY EXPENSIVE place to live. That is why you're finding sources that say 8,500.- is better.

Did you look at www.comparis.ch? It's available in English. Start there - look at the rates for *health insurance* and look at what a two bedroom is going to set you back in the zip code you want to live in. Then you'll have a better idea of what your monthly budget is going to look like.

Best of luck!!
Reply With Quote
  #10  
Old 21.07.2010, 20:30
Newbie
 
Join Date: Jul 2010
Location: Out of Switzerland
Posts: 8
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
Nicktitane has no particular reputation at present
Re: Cost of living - Winterthur near Zurich

Foliorose,

I checked the website you mentioned. I understand what you mean. You can get a decent 2 bedroom appartment for 1800 CHF or even 3000 CHF... depending on location and quality. Listen, me and my wife are pretty down to earth. As long as it's clean, calm and free of crime, we should be good to go. Plus, if it takes 15 minutes by bus to get to downtown, fine also. I understand this is not the USA or Canada : you don't drive everywhere and park everywhere and go to Best Buys or WAL-MARTs... driving is expensive period in Europe, so if you can travel via buses and such, good. The car would be more for a weekend travel thing... So taking that into account, does the 7000 CHF net sound good ?
Reply With Quote
  #11  
Old 21.07.2010, 20:44
foliorose's Avatar
Senior Member
 
Join Date: Mar 2010
Location: Zürich Seefeld
Posts: 367
Groaned at 13 Times in 7 Posts
Thanked 295 Times in 138 Posts
foliorose has earned some respectfoliorose has earned some respect
Re: Cost of living - Winterthur near Zurich

Quote:
View Post
Foliorose,

I checked the website you mentioned. I understand what you mean. You can get a decent 2 bedroom appartment for 1800 CHF or even 3000 CHF... depending on location and quality. Listen, me and my wife are pretty down to earth. As long as it's clean, calm and free of crime, we should be good to go. Plus, if it takes 15 minutes by bus to get to downtown, fine also. I understand this is not the USA or Canada : you don't drive everywhere and park everywhere and go to Best Buys or WAL-MARTs... driving is expensive period in Europe, so if you can travel via buses and such, good. The car would be more for a weekend travel thing... So taking that into account, does the 7000 CHF net sound good ?
There is a great car sharing program called Mobility. www.mobility.ch Also available in English. I would recommend looking into that before buying a car. If you're only going to use the car on weekends, that is a huge expense and you would have to pay to park it all the time when you're not using it. Silly. Mobility cars are located in most train stations. Traveling on the weekends is easy with Mobility and SBB. Switzerland has a very dense train network. You can go anywhere on the train.

To answer your question, 7,000.- is probably doable, but only you can determine that. So just keep searching and getting prices on things. Searching the forum is very helpful, too, as Dodgyken pointed out early on. Look at www.swisscom.com and figure out what type of phone/internet/tv you need and put all the prices you find into a spreadsheet with a sum formula. Then watch the total approach its limits.
Reply With Quote
  #12  
Old 21.07.2010, 22:47
dodgyken's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Democratic Republic Kenistan
Posts: 9,793
Groaned at 340 Times in 276 Posts
Thanked 17,388 Times in 6,651 Posts
dodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond repute
Re: Cost of living - Winterthur near Zurich

What I don't get is why they are quoting 13mths net at you. Net what??

Is that after pension deductions? Withholding tax? AHV?

Just give the total amount you'd be paid - per year - and we will have a better idea - how can you or they be sure if it is 7k net - do they know you are married? Will you join a church? Do they know if you have children? Will you taxable income exceed 120k chf per annum??
Reply With Quote
The following 2 users would like to thank dodgyken for this useful post:
  #13  
Old 22.07.2010, 20:27
Newbie
 
Join Date: Jul 2010
Location: Out of Switzerland
Posts: 8
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
Nicktitane has no particular reputation at present
Re: Cost of living - Winterthur near Zurich

Quote:
View Post
What I don't get is why they are quoting 13mths net at you. Net what??

Is that after pension deductions? Withholding tax? AHV?

Just give the total amount you'd be paid - per year - and we will have a better idea - how can you or they be sure if it is 7k net - do they know you are married? Will you join a church? Do they know if you have children? Will you taxable income exceed 120k chf per annum??
Dodgyken,

Basically, I just got the contract and it's gross 104 000 CHF per year. They know I am married and have no children. What does the church thing have to do about it ? Do you get discounts if you are catholic ? This is the first time I see that question but have a feeling it has relevance... could you explain as we do not have that in Canada.

Thanks
Reply With Quote
  #14  
Old 22.07.2010, 20:46
Longbyt's Avatar
Forum Legend
 
Join Date: Apr 2008
Location: ZH
Posts: 7,307
Groaned at 55 Times in 51 Posts
Thanked 10,912 Times in 4,089 Posts
Longbyt has a reputation beyond reputeLongbyt has a reputation beyond reputeLongbyt has a reputation beyond reputeLongbyt has a reputation beyond reputeLongbyt has a reputation beyond reputeLongbyt has a reputation beyond repute
Re: Cost of living - Winterthur near Zurich

Just for fun and because I love the title (who says the Swiss have no sense of humour?) this Official Zürich Tax Site gives some nice confusing information.
I cannot find the rate of the Kirchensteuer (Church Tax) but one thing is sure. If Swiss authorities mention money, it's you paying them, not them giving you a discount or anything vaguely resembling one.
Reply With Quote
  #15  
Old 22.07.2010, 21:13
Niranjan
Guest
 
Posts: n/a
Re: Cost of living - Winterthur near Zurich

Quote:
View Post
Like the rest of the internet this website features a search facility.

Imagine the power of using that search facility to return answers to questions.
If you use the search function, it will throw up an avalanche of previous discussions on the exact topic . Ok, the exact figures can vary by a few CHF though.

And with each repetitive question of this sort added to the pile, it only grows more powerful
Makes it harder for others to search, so take the shortcut of asking again, and there you go, it becomes a reinforcing loop.
Reply With Quote
  #16  
Old 22.07.2010, 23:19
Newbie
 
Join Date: Jul 2010
Location: Out of Switzerland
Posts: 8
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
Nicktitane has no particular reputation at present
Re: Cost of living - Winterthur near Zurich

Quote:
View Post
If you use the search function, it will throw up an avalanche of previous discussions on the exact topic . Ok, the exact figures can vary by a few CHF though.

And with each repetitive question of this sort added to the pile, it only grows more powerful
Makes it harder for others to search, so take the shortcut of asking again, and there you go, it becomes a reinforcing loop.
I did do the search but unfortunately did not find exactly what I needed to know. This is my first time here, so did not know, and did not want to cause problems.

I'm just trying to understand if this is an okay salary or I should ask more.
Reply With Quote
  #17  
Old 23.07.2010, 00:14
Senior Member
 
Join Date: Jul 2006
Location: Zurich
Posts: 406
Groaned at 14 Times in 9 Posts
Thanked 281 Times in 151 Posts
Aussie Lisa is considered knowledgeableAussie Lisa is considered knowledgeableAussie Lisa is considered knowledgeable
Cost of living - Winterthur near Zurich

Nickitane

It's ok. However if you are a highly qualified doctor it's low. If you are a tram driver i think it is rather generous. We cannot help you without further info about what you do.

Housing rental is expensive and www.homegate.ch is a good place to search. Winterthur postcode is 8400 (in the city) and starts with 84xx for surrounding areas. Search and check it out. eg towns close to Winti, accessible by public transport or car, are very reasonable to rent, and its a great lifestyle. You could afford to rent a reasonable sized house outside Winti. In Winti itself it costs more (taxes in Winti and Zurich city centres are high, it is a lower rate in suburbs or towns outside, rent is also higher of course in the cities). In town you won't need a car, but I believe on this salary you could afford one. Many people choose to use mobility cars (see earlier post) and by far, most Swiss and most of us use public transport extensively. It is too easy.

If you tell us your profession, one of us might know whether the salary is ok. You can type your profession into comparis (mentioned in previous post this thread) and they tell you if it is ok or give a range.

There is a yahoo group Expats in Winterthur if you want to ask questions there, but people can only really help if they know your profession. There are probably yahoo groups with canadians who might be better at giving you a comparison to your home.

The salary is a good one, and you can afford to live in a two bedroom apartment, and eat, and buy health insurance, and a car. However we cannot answer whether it is too low. Obviously more is always better.

Hope this helps

Lisa
Reply With Quote
  #18  
Old 23.07.2010, 04:21
Newbie
 
Join Date: Jul 2010
Location: Out of Switzerland
Posts: 8
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
Nicktitane has no particular reputation at present
Re: Cost of living - Winterthur near Zurich

Quote:
View Post
Nickitane

It's ok. However if you are a highly qualified doctor it's low. If you are a tram driver i think it is rather generous. We cannot help you without further info about what you do.

Housing rental is expensive and www.homegate.ch is a good place to search. Winterthur postcode is 8400 (in the city) and starts with 84xx for surrounding areas. Search and check it out. eg towns close to Winti, accessible by public transport or car, are very reasonable to rent, and its a great lifestyle. You could afford to rent a reasonable sized house outside Winti. In Winti itself it costs more (taxes in Winti and Zurich city centres are high, it is a lower rate in suburbs or towns outside, rent is also higher of course in the cities). In town you won't need a car, but I believe on this salary you could afford one. Many people choose to use mobility cars (see earlier post) and by far, most Swiss and most of us use public transport extensively. It is too easy.

If you tell us your profession, one of us might know whether the salary is ok. You can type your profession into comparis (mentioned in previous post this thread) and they tell you if it is ok or give a range.

There is a yahoo group Expats in Winterthur if you want to ask questions there, but people can only really help if they know your profession. There are probably yahoo groups with canadians who might be better at giving you a comparison to your home.

The salary is a good one, and you can afford to live in a two bedroom apartment, and eat, and buy health insurance, and a car. However we cannot answer whether it is too low. Obviously more is always better.

Hope this helps

Lisa
Hello,

Thanks for the clarification. I'm a chemical engineer (I have a university bachelor's degree in chemical engineering). I'm not a PhD or Master in that, but I have 10 years experience. I don't know if it helps clarify things. It's more for my wife. I just want her to not feel that we have to sacrifice to live... I don't want a big house and what not. We are simple people.

Thanks for the help. I appreciate it.
Reply With Quote
  #19  
Old 23.07.2010, 10:14
dodgyken's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Democratic Republic Kenistan
Posts: 9,793
Groaned at 340 Times in 276 Posts
Thanked 17,388 Times in 6,651 Posts
dodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond repute
Re: Cost of living - Winterthur near Zurich

And despite the high tax - the community of Wintherthur takes OUT of the tax equalistation pot. In fact, Kusnacht (which is a low tax community) manages to cover (with some left over) what Wintherthur takes out.
Reply With Quote
  #20  
Old 23.07.2010, 12:04
Member
 
Join Date: Nov 2009
Location: ZH
Posts: 104
Groaned at 2 Times in 2 Posts
Thanked 58 Times in 18 Posts
vastor is considered knowledgeablevastor is considered knowledgeablevastor is considered knowledgeable
Re: Cost of living - Winterthur near Zurich

Quote:
View Post
Do you get discounts if you are catholic ?
Yes, you get a discount. In heaven. Here on earth, you have to pay for this in advance in a form of church tax. Roughly, it is about 1% of your taxable income. It can be avoided if you declare yourself as no-religion. If only one of you declares his/her religion, you pay half of it.

Quote:
View Post
Basically, I just got the contract and it's gross 104 000 CHF per year. They know I am married and have no children.
Thanks
Basically, out of 104K per year, in your family situation, you will get around 7K monthly to your bank account, however, since you will be paying tax at source, than 13 salary will mix up and you might get little bit less because of it. You will be able to recover filling your tax return form, but, since your income is less than 120K, this requires you being proactive.

In my opinion, to have a comfortable live in CH you need 2K for a person, 2K for accommodations and 1K for a car. So, in your case, you'll have just this. You can rent decent apartment, buy or lease average good car - VW Passat, Volvo S60. You can travel around the Europe and have no worries. But no savings. And if you decide to have a kid, than you are to short and have to do plans to survive.

However, I totally agree with:

Quote:
View Post
Define "live well"??
The majority of people can live within whatever budget they have.
Just a matter of "live well" definition.
Reply With Quote
Reply




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
What is the Cost of living in Zurich? arielt111 Daily life 120 17.06.2014 14:30
Cost of living in Zurich? szgdcn Daily life 20 18.07.2010 15:09
Cost of Living in Zurich? wossgui Other/general 20 27.11.2009 10:22


All times are GMT +2. The time now is 18:37.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2016, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0