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Old 03.01.2015, 01:53
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Minimum wage to live in Switzerland

Hello!

I am portuguese and I have just been offered a job in Zurich. However, I am very reluctant to accept, because my husband and children would go with me. The problem is that my husband - who does not speak german - is going without any kind of job offer.

My question to the forum is: would I be able to support a family of 4, with a 6.000 francs net monthly wage?

Your answers would be very valuable to me and help me to decide about this important decision in my life.

Thank's in advance.

Ana
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Old 03.01.2015, 03:22
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Re: Minimum wage to leave in Switzerland

Do a search on the forum!!!just scroll down the page.

Some people will say yes, some no depends if it is before/after deductions, how you live, car, etc etc

Sure as heck more people live of less than that but....Me personally My standard of living would have to go up considerably to be living on that salary.... but that is just my style of living.
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Old 03.01.2015, 09:13
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Re: Minimum wage to leave in Switzerland

Your post is titled "Minimum wage to leave in Switzerland" and you posted it in a category called "leaving Switzerland"... I don't want to nit pick here, but since you are consistent at it do I think you should know that the word you are looking for is "live".

Answer to your question: 6k NETT is fine for a family of four but not luxurious.
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Old 03.01.2015, 11:48
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Re: Minimum wage to live in Switzerland

Minimum wage in Switzerland? anazub Employment 5 22.01.2013 21:19
What's the minimum wage an individual could live off in CH? ReadAndWrite Employment 19 05.08.2012 11:05
Salary - is there a minimum wage in Switzerland? lina0308 Employment 44 27.04.2011 16:08
Minimum wage in Switzerland?? crazysniper Employment 75 09.08.2010 17:04
what is the minimum wage/median wage in CH Jaro Employment 1 16.09.2009 14:05
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Old 03.01.2015, 12:12
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Re: Minimum wage to live in Switzerland

Just do a forum search for "CHF 120,000 per year."

Ok, just in kidding mood. Welcome to the English Forum, where not all answers have to be taken seriously.
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Old 03.01.2015, 12:15
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Re: Minimum wage to live in Switzerland

Personally, I think it will be possible but tight.

A three-bedroom flat in the Zürich area will cost you in the region of CHF 2,500 to CHF 3,000, and you'll need to budget around CHF 1,500 for health insurance. Food costs are hugely variable, depending on where you shop, and what you eat and drink, of course, but I'd say CHF 1000 is a reasonable monthly budget for a family of four.

That will leave you with CHF 1000 a month for everything else - telephone, internet, transport, clothes.

I've also heard of local employers paying Portuguese workers far below the local going rate, because they know they can get away with it. Also, employers do expect prospective employees to negotiate their starting wage, because it's very difficult to get a raise once you're in post.

If it's a great job that will enhance your long-term career prospects, or if you're hugely keen on experiencing life in Switzerland, then go for it. If you're taking it to make money and build up savings, you might want to think twice.
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Old 03.01.2015, 12:39
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Re: Minimum wage to live in Switzerland

Chf 6'000.-- net; It's more than enough to live on if you are careful and take advantage of the variuous offers available.

It's already more than a lot of people live on.

Chf 1500.-- for health insurance for 4 people is already rubbish, you can get far cheaper, albeit with a higher franchise you just need to leant to navigate your way around. Without counting cantonal particiaptions (if available) health will be around Chf 250 per person, Chf 150 per child with maximum franchise.

I reckon you could get by on Chf800.-- for food if you're careful, housing upto Chf 2'500.-- but cheaper is available if you're willing to move out a bit, look at Wintherthur/Argau/Frauenfeld
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Old 03.01.2015, 13:34
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Re: Minimum wage to live in Switzerland

What's the husband's job, education (currently)?
There's a rather large Portuguese expat community here (well, there must be, as they are the 2nd or 3rd largest European expat group) - I just don't know how to reach out to them.
[....]
OK, doing a bit of sleuthing I got this PDF (a study, all in German of course):
http://www.ejpd.admin.ch/dam/data/bf...portugal-d.pdf
But on page 128+ you'll find a couple of names of clubs etc.
Pasting their names into google might give a few more leads.
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Old 03.01.2015, 13:40
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Re: Minimum wage to live in Switzerland

Yes you can. But you might have to look for a place a bit far from the city centre; which is fine, as Zürich is small, and there the rents are not high as 2500 but somewhere around the 1600-1900 mark. Shop at Aldi or Denner. Dinning out will be hard. You would have to live tight, but it is manageable.
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Old 03.01.2015, 15:39
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Re: Minimum wage to live in Switzerland

120k
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Old 03.01.2015, 16:01
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Re: Minimum wage to live in Switzerland

The official poverty level for a family of 4 is CHF 4,000 so you are comfortably above that.
Assuming your husband is Portuguese and so EU he should be able to find a manual job (cleaning, furniture moving, etc.) - anything more then he will need basic German, there are some Portuguese clubs who might help.
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Old 03.01.2015, 16:13
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Re: Minimum wage to live in Switzerland

I have family of 4 and I pay less than 600chf for health insurance (adults max franchise, kids no franchise at all).
It's very doable with 6k net, also you didn't mention what age are your kids, cost here will vary.
Also, you don't need to live in center of Zurich, if you can commute a bit, you can find 3 bedroom (so 4 rooms) for less than 2k / month, still within 20-30 minutes commute to Zurich.
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Old 03.01.2015, 16:35
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Re: Minimum wage to live in Switzerland

Quote:
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I have family of 4 and I pay less than 600chf for health insurance (adults max franchise, kids no franchise at all).
Factor in saving CHF416 per month in case one needs to pay the 2.5k franchise x 2.
The basic health insurance doesn't cover dentist's costs. Save another 200 every month towards it, unless you'll go to a dentist back in Portugal.
Does this net amount already account for child benefit, which is 200 per child gross?

Last edited by yacek; 03.01.2015 at 16:41. Reason: dental
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Old 03.01.2015, 17:40
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Re: Minimum wage to live in Switzerland

I would suggest that the age of the children will be a practical factor - if they are under the compulsory school age then the cost of childcare can be very high and not affordable on a 6000k salary..

Does your husband have high skills and qualifications ? He may find job searching difficult but not i possible - can he speak more languages (english, french?).

Schooling from 4.5 in the government school is free. That means the children will go to school and learn Swiss and High German, and later French and a bit of English. Private school is expensive.

Finally, is this a long-term move, do you have financial or family commitments back in your home country, and do you both currently have good jobs/income? Is 6K a reasonable salary for your career, or can you progress it rapidly... Can you afford to go back home if things do not work out?

As said, yes, the cost of living is very high - it will depend on how desperate your current situation is, and whether you can turn it around in Zurich...

Does your job offer include any extra family benefits such as help with relocation, health insurance, schooling or childcare costs?

Finally, the authorities may review the salary before agreeing that it is enough to approve a residency permit for your husband and children - so make sure you have the correct paperwork up-front.
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Old 03.01.2015, 17:57
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Re: Minimum wage to live in Switzerland

OP, You'll be fine on 6k net, or not. It depends on so many things, none of which you told us.

Never ceases to amaze me the rubbish questions people ask (and then disappear forever) but also that you lot waste your time actually answering it.
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Old 04.01.2015, 14:11
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Re: Minimum wage to live in Switzerland

Thank you so much for all your posts.

Most of them were very helpful and will matter on my decision.

I hope to see you all here very soon.

Kind Regards
Ana
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Old 04.01.2015, 14:18
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Re: Minimum wage to live in Switzerland

There is a lot of useful information, for example about medical insurance and schooling, on the government website www.ch.ch.
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