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Old 06.11.2015, 21:33
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is 70000CHF enough for Lugano?

Hello to you all.
First post here, so I though I'd introduce myself first.

My name is Chris, I am from Athens, Greece.
I am married and have a son of 9.

I secured a job offer in Lugano, which pays 70000CHF per year.

Is this amount enough for a family of three to live in Lugano area?

Thanks in advance.
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Old 06.11.2015, 22:05
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Re: is 70000CHF enough for Lugano?

Brut? Won't be easy, but manageable.
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Old 06.11.2015, 22:10
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Re: is 70000CHF enough for Lugano?

Maybe but you won't get rich.

You should consider also option b:
Live in Italy and commute daily to Lugano.
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Old 06.11.2015, 22:39
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Re: is 70000CHF enough for Lugano?

Assuming a) you can get a permit and b) the taxes don't make it uneconomic.

http://www.swissinfo.ch/eng/protest_...italy/41573130
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Old 06.11.2015, 22:42
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Re: is 70000CHF enough for Lugano?

Suppose you have to ask the question; What is the alternative?
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Old 06.11.2015, 23:24
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Re: is 70000CHF enough for Lugano?

Thanks alot guys.
For me, living across to Italy, is not a option.

I saw some house rents, and i think i can get away with 1600-2000 per month.
That will leave me with around 3000 for other expenses.

Am i missing something, or 3000 per month is not enough for 3 people?
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Old 06.11.2015, 23:30
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Re: is 70000CHF enough for Lugano?

It will be difficult.

After taxes, health insurance, etc., you are looking closer to 1k per month rather than 3k.

Tom
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Old 06.11.2015, 23:32
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Re: is 70000CHF enough for Lugano?

without private school and limited insurance, sure
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Old 07.11.2015, 00:03
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Re: is 70000CHF enough for Lugano?

Why is this guys?
Can you explain please?

For instance in this link => http://www.internations.org/lugano-e...re-in-lugano-2
it says that a state-run health insurance is about 10000 per year.

Also in this => https://www.ethz.ch/en/the-eth-zuric...alculator.html

it says that after taxes i'll bet left with 5250 per month (12 month salary)

I'm not saying you're wrong, i'm struggling to get my head around the 'lost' money
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Old 07.11.2015, 00:21
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Re: is 70000CHF enough for Lugano?

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Why is this guys?
Can you explain please?

For instance in this link => http://www.internations.org/lugano-e...re-in-lugano-2
it says that a state-run health insurance is about 10000 per year.

Also in this => https://www.ethz.ch/en/the-eth-zuric...alculator.html

it says that after taxes i'll bet left with 5250 per month (12 month salary)

I'm not saying you're wrong, i'm struggling to get my head around the 'lost' money
There's more to life expenses than healthcare and taxes.

First, there's no state-run healthcare here. It's all private companies but they do have to follow government rules. You can choose your company, your deductible, and what type of plan you want (call a doctor first, choose any doctor anywhere, etc.) Prices can vary by quite a bit so shop around and find the policy that best fits your needs. There's basic mandatory insurance and supplemental or top-up that costs more.

Yes, the calculator shows a rough estimate of what you have left after taxes. Then there's rent, heat, water, electricity, public transport passes or car + car expenses, cell phone, TV/internet/Billag, clothing, some sort of entertainment once in a while, and the minor expense of food.

I have no idea of expenses in Lugano so I can't help you there. However if you have a rough list of what you think you'll spend on these items, feel free to post it and our members that live in Lugano can give you an idea of whether those are realistic numbers.
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Old 07.11.2015, 00:21
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Re: is 70000CHF enough for Lugano?

@Chris
Your question is asked, in one way or another, by many people moving to Switzerland.
Is x number of Francs enough to live on? or, put another way
What would our budget be? or
What standard of living would we have?

It is hard to answer because, in Switzerland, the taxes are variable not only from Canton to Canton but even within the various muncipalites. And that makes it hard to calculate what part is brutto, what goes to taxes, and what would be net.
As you already have a job offer, I would suggest you ask your potential employer to break down all the deductions for you.

Then, remember that medical insurance is not deducted by your employer, but it is compulsory that you buy it for each family member.

On this Forum, I think one of the best threads that tries to address the kind of questions you have was started by kayakdad, whose family (2 adults, 2 children) immigrated to Basel. The thread became very long, and in it many users linked to earlier English Forum threads about budget matters. Although kayakdad's situation is not identical to yours, if you can find the energy to wade through the whole thread, I think you will find it a good general introduction to the way things work in Switzerland.
Budget For Family of 4 in Basel
Please don't be put off by the fact that, in some places, some of the Posts get rather hotly emotional. That's not the most important aspect. Just read on... and I think the information will help you.


Also, don't forget to have a look at www.ch.ch.
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Old 07.11.2015, 00:23
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Re: is 70000CHF enough for Lugano?

For my calculation (for Ticino, 1 kid, age 35 -> I guessed ) it comes up with 4.8k net.
Then you have insurance, which can be ~500 / month for your family, then you need to abstract apartment and food.

It should be totally doable, people here sometimes do some imaginated math.
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Old 07.11.2015, 00:28
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Re: is 70000CHF enough for Lugano?

@Jaceq
could you please post some details of the breakdown of your calculation? I think that'd help Chris... and also many who will follow him and find this thread later. Thanks.
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Old 07.11.2015, 00:53
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Re: is 70000CHF enough for Lugano?

It will be OK for a family of three.
You won't get rich, but not die from starvation either.
Life will be decent, however.

I know a lot of persons who have to get along with less.
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Old 07.11.2015, 01:06
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Re: is 70000CHF enough for Lugano?

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Maybe but you won't get rich.

You should consider also option b:
Live in Italy and commute daily to Lugano.

but happy
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Old 07.11.2015, 03:20
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Re: is 70000CHF enough for Lugano?

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@Jaceq
could you please post some details of the breakdown of your calculation? I think that'd help Chris... and also many who will follow him and find this thread later. Thanks.
So I used ethz.ch to get possible net salary.
For insurance I used my own examples, I pay ~200 per adult and ~80 per child per month so 2x adults, 1x child is ~500 a month.
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Old 07.11.2015, 03:48
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Re: is 70000CHF enough for Lugano?

yes you will do fine, just as a comparison these are the normal salaries:
http://www.bfs.admin.ch/bfs/portal/e...ossregion.html

For taxes i used the comparis tool and it also gives 5250 net for lugano.
For health insurance the 500/month estimate can make sense, maybe make it 700.
The rule of thumb for rent is that you should not spend more than 1/3 of your gross salary on it (so 1750), should be easy if a 3.5 is enough for you.
Also consider that italy is close, that cuts down costs for food, restaurants and other things.

Last edited by Meerkat33; 07.11.2015 at 04:19.
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Old 07.11.2015, 06:43
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Re: is 70000CHF enough for Lugano?

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It will be OK for a family of three.
You won't get rich, but not die from starvation either.
Life will be decent, however.

I know a lot of persons who have to get along with less.
You get people subsiding on less, but not a lot more less and if you ask them how they find life the answer you will most likely get is: "It sucks" I know as I earned around that amount for a long time and even as a single person it could get rough, as already said, it's doable, but…!
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Old 07.11.2015, 09:30
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Re: is 70000CHF enough for Lugano?

We have no idea what the guy does for a living.

Is it enough, Chf 5'800.-- per month brut, it all depends on how you live, what your expectations are, plenty of families with one or two children live on this amount of less, admittedly they usually have parents close by to help, but not always.

The real question is can you get better elsewhere or do you have better elsewhere actually !
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Old 07.11.2015, 11:28
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Re: is 70000CHF enough for Lugano?

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So I used ethz.ch to get possible net salary.
For insurance I used my own examples, I pay ~200 per adult and ~80 per child per month so 2x adults, 1x child is ~500 a month.
It will be 600/month with 2500 franchise in Ticino, 1000/month with 300 Franchise

Tom
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