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Old 05.04.2013, 20:46
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Is a 78,000 CHF gross salary enough to live in Lugano?

Hello all. I have been offered a job in Lugano and like other people, I have some questions. I have looked up the various salary calculators indicated here (thank you) and it appears that this salary is NOT particularly high for my age (43) and education. But I work in a quirky and small industry, so not financial, medical, technological, etc. Hence, it is difficult to estimate what is 'normal' in my industry in Switzerland.

What I need to know is whether this is enough? What kind of lifestyle will this give me? I also would need to buy a car (+ insurance, etc). I was thinking of getting an apartment around 1700 CHF.

I did one of the deduction calculators and if it is correct, I am actually a bit off what I thought I would bring home and would have even less in pocket (370 CHF less to be exact) which could prove to be problematic.

Any thoughts? Please? I'm desperate. Thank you!

Sam
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Old 05.04.2013, 20:49
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Re: Is a 78,000 CHF gross salary enough to live in Lugano?

If you are single - then it would be fine especially if you are going to spend most of your time enjoying Ticino and and surrounding areas. You should be able to cut your accommodation budget too if you are on your own. it depends very much on your expectations, if you want to buy a new Ferrari, travel a lot, etc. Living in Lugano you'd have access to some of the most beautiful countryside int he world, and very quick access to Northern Italy - so no need to go far.

Last edited by Odile; 05.04.2013 at 21:16.
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Old 05.04.2013, 21:11
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Re: Is a 78,000 CHF gross salary enough to live in Lugano?

Thanks a lot. Ferrari. I love it! I was thinking more of a used Subaru as some people here said that Japanese cars are not really appreciated in Switzerland so I might be able to get one for cheaper. From what I have seen, even used Fiat 500s are pretty pricey for what they go for elsewhere.

I did look on internet sites for apartments and thought that I started liking ones that started around 1700 (I like my space and heck, there is a lot more expensive). But I would want to explore the area as that would one big plus of being there.

Thanks again.
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Old 05.04.2013, 22:35
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Re: Is a 78,000 CHF gross salary enough to live in Lugano?

All depends on expectations - and how you choose to spend your money - and most importantly whether you will try keep a place in the UK.

Back in the day (10 years ago) my rough calculation was that GROSS CHF/2 was GBP salary. Yes you would get a higher take home % in CHF but this was outweighed by the extra cost of living. (2 - 2.2 was the exchange rate at the time)

Now - despite what the exchange rate says - the calculation still holds true - so would 39k GBP be a sufficiently high salary doing what you do in a large town/small city.
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Old 05.04.2013, 22:52
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Re: Is a 78,000 CHF gross salary enough to live in Lugano?

Interesting. Right now I earn £50,000 in London and I would not want to earn any less. It is difficult to live on this at the moment. 78,000 would be the equivalent.

So, this puts me back to worrying a bit. I've heard Lugano is cheaper than Geneva, Lausanne, Basel or Zurich. Right? But that much cheaper?

I would not be keeping a place in the UK as I just rent at the moment.
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Old 05.04.2013, 23:20
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Re: Is a 78,000 CHF gross salary enough to live in Lugano?

You'll be fine.
This link may be helpful for accommodation.

http://www.ricardo.ch/search/search....NavBarSearch=1
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Old 06.04.2013, 06:56
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Re: Is a 78,000 CHF gross salary enough to live in Lugano?

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You'll be fine.
Agreed, but:

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Right now I earn £50,000 in London and I would not want to earn any less. It is difficult to live on this at the moment. 78,000 would be the equivalent.
No, it would not be the equivalent - as DodgyKen says, you'll need more money to maintain an equivalent lifestyle. What you've done is converted your salary to francs, but even in Lugano (which is cheaper than Zürich) you'll still need more money than you were making in London to live a roughly equivalent lifestyle.

Of course, there will be no exact equivalent because there is nothing like London in this country, beautiful as it is, and depending where you lived in London and what kind of life you led, the amount of money you need here will differ. Just keep in mind that 60-ish thousand francs is an average salary in Switzerland, not a spectacular one. Average in London is what, 20-30k pounds? Do some comparison there.
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Old 06.04.2013, 07:40
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Re: Is a 78,000 CHF gross salary enough to live in Lugano?

If you have no family to support you will be fine! you can then afford a decent lifestyle and enjoy Ticino

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Hello all. I have been offered a job in Lugano and like other people, I have some questions. I have looked up the various salary calculators indicated here (thank you) and it appears that this salary is NOT particularly high for my age (43) and education. But I work in a quirky and small industry, so not financial, medical, technological, etc. Hence, it is difficult to estimate what is 'normal' in my industry in Switzerland.

What I need to know is whether this is enough? What kind of lifestyle will this give me? I also would need to buy a car (+ insurance, etc). I was thinking of getting an apartment around 1700 CHF.

I did one of the deduction calculators and if it is correct, I am actually a bit off what I thought I would bring home and would have even less in pocket (370 CHF less to be exact) which could prove to be problematic.

Any thoughts? Please? I'm desperate. Thank you!

Sam
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Old 06.04.2013, 08:34
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Re: Is a 78,000 CHF gross salary enough to live in Lugano?

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Agreed, but:

Average in London is what, 20-30k pounds? Do some comparison there.
I looked it up at it states that for my years of experience around £37,000 is the average UK (not London) salary.

This is very eye opening, so I am very grateful. I want to be fair but I don't want to constantly be scrimping either. I do it enough as it is because London is much more expensive from LA (the place I actually moved from).

Thanks.
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Old 06.04.2013, 09:34
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Re: Is a 78,000 CHF gross salary enough to live in Lugano?

No experience in Lugano.

However, we are all too headed towards improving our lifestyle/earnings because the grass on neighbor's garden grows greener. We systematically disregard pitfalls that are always there.

It seems you placed the good things on one plate of the scale, but have you considered other things like:
- are you sure your lifestyle will truly be better ?
- are you sure your can build up fast a social network at that stage of life in a foreign country with foreign language?
- how good are you in italian ? (not to say that swiss often speak 2 foreign languages)
- are you sure it will be easy to adapt to a somehow tough society?
- in case things turn bad, what will you do ?
- what's the value of the thing left behind?

More and more I am hearing people (foreigners and 'naturalized') dreaming of leaving CH and start again abroad. Some did already, and they are fine.

If you finally come around: all the luck !
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Old 06.04.2013, 10:04
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Re: Is a 78,000 CHF gross salary enough to live in Lugano?

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Interesting. Right now I earn £50,000 in London and I would not want to earn any less. It is difficult to live on this at the moment. 78,000 would be the equivalent.

So, this puts me back to worrying a bit. I've heard Lugano is cheaper than Geneva, Lausanne, Basel or Zurich. Right? But that much cheaper?

I would not be keeping a place in the UK as I just rent at the moment.
So right now you earn about 75000CHF and you are struggling in London, having just visited there I found london damn cheap compared to CH. You should be ok on that sort of salary as an individual but the UK and london are like disneyland for cost of eating out and shopping etc compared to CH
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Old 06.04.2013, 10:52
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Re: Is a 78,000 CHF gross salary enough to live in Lugano?

Disclaimer: I do not live in Ticino.

To be honest, that salary sounds a little low to me if comparing directly with a 50K London salary.

Reading between the lines (my apologies if I have misread) but it sounds like you would like us to give you an actual figure on which to base your salary negotiations but a) that is really dangerous for us bunch of strangers and b) you have not given us enough details to work on - for instance do you have a family to support?

However, you will not starve on 78K CHF.
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Old 06.04.2013, 10:58
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Re: Is a 78,000 CHF gross salary enough to live in Lugano?

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No experience in Lugano.

However, we are all too headed towards improving our lifestyle/earnings because the grass on neighbor's garden grows greener. We systematically disregard pitfalls that are always there.

It seems you placed the good things on one plate of the scale, but have you considered other things like:
- are you sure your lifestyle will truly be better ?
- are you sure your can build up fast a social network at that stage of life in a foreign country with foreign language?
- how good are you in italian ? (not to say that swiss often speak 2 foreign languages)
- are you sure it will be easy to adapt to a somehow tough society?
- in case things turn bad, what will you do ?
- what's the value of the thing left behind?

More and more I am hearing people (foreigners and 'naturalized') dreaming of leaving CH and start again abroad. Some did already, and they are fine.

If you finally come around: all the luck !
Yes, I know what you mean. I guess you never really know until you get there. I don't speak much Italian so am hoping to learn. I do speak fluent French just in case that can help me in some situations (having lived there for 5 years and visiting frequently). What I do know is that the weather in the UK is completely depressing. Too often grey, cold, rainy, snowy. Even in summer, one often has to wear wool.

I am American (with a US and UK passport) so I could always go back to either place. But I guess my curiosity likes to lead me to lesser known places. The Far East, which also intrigues me, seemed, well, a bit far.

I think I will be asking for a bit more money and see what they say.
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Old 06.04.2013, 11:03
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Re: Is a 78,000 CHF gross salary enough to live in Lugano?

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Disclaimer: I do not live in Ticino.

To be honest, that salary sounds a little low to me if comparing directly with a 50K London salary.

Reading between the lines (my apologies if I have misread) but it sounds like you would like us to give you an actual figure on which to base your salary negotiations but a) that is really dangerous for us bunch of strangers and b) you have not given us enough details to work on - for instance do you have a family to support?

However, you will not starve on 78K CHF.
You are probably right in terms of getting a few hints of what a decent/good salary would be in Ticino. I work in the wine business so the salary is often on the lowish end compared to other sectors. But I also have 14 years experience and lots of education, so I am not a novice.

I am single with no family. But I am 43 so am in no mood to constantly be watching my pennies either. I have already been doing that during most of my time since I arrived in the UK! Though my salary now is much better than it was when I first got here 9 1/2 years ago.

Any help would be appreciated!
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Old 06.04.2013, 11:12
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Re: Is a 78,000 CHF gross salary enough to live in Lugano?

My opinion

I would not leave £50k salary to a chf 78k one. If I really need a change I would consider it
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Old 06.04.2013, 11:13
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Re: Is a 78,000 CHF gross salary enough to live in Lugano?

Single, you'll be fine, people live on half that here even.

Plenty of good, used cars for 3-4k.

Outside Lugano is cheaper, but even in Lugano you can get a nice apartment with a view of the lake of 1600 (my step-daughter recently did).

Tom
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Old 06.04.2013, 11:16
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Re: Is a 78,000 CHF gross salary enough to live in Lugano?

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Yes, I know what you mean. I guess you never really know until you get there. I don't speak much Italian so am hoping to learn. I do speak fluent French just in case that can help me in some situations (having lived there for 5 years and visiting frequently). What I do know is that the weather in the UK is completely depressing. Too often grey, cold, rainy, snowy. Even in summer, one often has to wear wool.

I am American (with a US and UK passport) so I could always go back to either place. But I guess my curiosity likes to lead me to lesser known places. The Far East, which also intrigues me, seemed, well, a bit far.

I think I will be asking for a bit more money and see what they say.
You will have much less grief if you use your UK passport if possible and avoid using the US passport there are loads of posts on here about it but essentially the banks find US a big risk as customers due to FATCA etc
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Old 06.04.2013, 11:20
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Re: Is a 78,000 CHF gross salary enough to live in Lugano?

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Single, you'll be fine, people live on half that here even.

Plenty of good, used cars for 3-4k.

Outside Lugano is cheaper, but even in Lugano you can get a nice apartment with a view of the lake of 1600 (my step-daughter recently did).
That is a bit more comforting. I do have some financial obligations in the UK that I will need to continue paying into as well.

For a flat, I was thinking around 1700 but for a car, where do you get a good one for 3000-4000? I was trying to not buy something too old because I frankly don't want it to break down (I know nothing about cars) but I presumed I would have to spend around 15,000 for a Japanese one that was a few years old.
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Old 06.04.2013, 11:22
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Re: Is a 78,000 CHF gross salary enough to live in Lugano?

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You will have much less grief if you use your UK passport if possible and avoid using the US passport there are loads of posts on here about it but essentially the banks find US a big risk as customers due to FATCA etc
I've read about that. But supposedly even if you have 4 passports, if one of them is a US one, you still have to register through your US passport.

I can ask though. But I heard that if you don't, it's 'unlawful'.
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Old 06.04.2013, 11:37
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Re: Is a 78,000 CHF gross salary enough to live in Lugano?

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For a flat, I was thinking around 1700 but for a car, where do you get a good one for 3000-4000?
There's a place in Cadenazzo where we and friends have gotten good cars for a low price, the owner's Australian, which I didn't know when we bought my wife's car, found out when I went with a friend to pick up his.

Also, French IS useful here, it's how I got by until I learned Italian.

Tom
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