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Old 13.12.2007, 19:52
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90k CHF - enough to live on?

Hi,

My husband has been offered a job in Zurich earning about 90k CHF per annum with a 15% bonus. Although I am willing and able to work realistically it might take me quite a while to get a job. If we were to live about 40 mins outside of Zurich would it be feasible for us to live on 90k CFH? He would be taxed about 22% so would his net income would be in the region of 5850 CHF.

If anyone could help me out it would be great.
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Old 13.12.2007, 19:54
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Re: 90k CHF - enough to live on?

You would not be able to afford a large apartment with that, but for a small apartment, food, and utilities that should be sufficient. A car may be difficult initially, but you don't really need one -- public transport is amazing here and especially in the Zurich area. I haven't found a use for a car in over a year.
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Old 13.12.2007, 20:26
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Re: 90k CHF - enough to live on?

Hi, are you sure about the tax rate, it's very different here not the same as in the UK (London). Your tax depends on the area you live in Switzerland https://calculators.credit-suisse.com/p/d/calc will help you work out the tax in different kantons. Also have a look on http://www.homegate.ch/homegate/inde...a=home&lang=it for prices of accomodation in the Zurich area. You might not have to live that far out!
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Old 18.01.2008, 10:01
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Re: 90k CHF - enough to live on?

Hi all,
I am new to the forum but it seems very useful.
I currently live in South Africa and have worked in Zürich for about 6 months last year. While there I was offered a job earning about 8k a month.
Firstly, is this enough to have a comfortable life including the purchase of furniture (not all initially) and to support myself and wife.
Secondly, she is a qualified hairdresser, does anyone know if they work on commission or are paid a salary.
We will be living in the greater Zürich area ie. Oerlikon.

Any advise would be greatly appreciated.
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Old 18.01.2008, 10:07
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Re: 90k CHF - enough to live on?

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Hi all,
I am new to the forum but it seems very useful.
I currently live in South Africa and have worked in Zürich for about 6 months last year. While there I was offered a job earning about 8k a month.
Firstly, is this enough to have a comfortable life including the purchase of furniture (not all initially) and to support myself and wife.
Secondly, she is a qualified hairdresser, does anyone know if they work on commission or are paid a salary.
We will be living in the greater Zürich area ie. Oerlikon.

Any advise would be greatly appreciated.
Yes, more than enough to live on.

Hairdressers here are not hairdressers. They are more like artists, kunstner.
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Old 18.01.2008, 10:16
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Re: 90k CHF - enough to live on?

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You would not be able to afford a large apartment with that, but for a small apartment...

what does large mean? i pay for 75qm flat kreis 6 1800chf. i live in it alone and its far big enough for 2 people...

90k for a couple might be a little tight. are you thinking about taking on a job too? a 2500chf net (coming from 50% job) would put things more at ease...
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Old 18.01.2008, 10:28
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Re: 90k CHF - enough to live on?

I think if no children to look after maybe a 100% job might be a bit more equitable ? We must be PC after all.

You can live on 90k no problem, but it would mean Nicaraguan rather than Cuban.

dave

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90k for a couple might be a little tight. are you thinking about taking on a job too? a 2500chf net (coming from 50% job) would put things more at ease...
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Old 18.01.2008, 10:57
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Re: 90k CHF - enough to live on?

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Hi,

My husband has been offered a job in Zurich earning about 90k CHF per annum with a 15% bonus.
90k is more than most families have - so yes, that's easily enough for the two of you.
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Old 18.01.2008, 11:14
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Re: 90k CHF - enough to live on?

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Hi, are you sure about the tax rate, it's very different here not the same as in the UK (London). Your tax depends on the area you live in Switzerland https://calculators.credit-suisse.com/p/d/calc will help you work out the tax in different kantons. Also have a look on http://www.homegate.ch/homegate/inde...a=home&lang=it for prices of accomodation in the Zurich area. You might not have to live that far out!
Not at 90K it doesn't even with 15% bonmus he doesn't hit the 120K necessary to be taxed as per Gemeinde.
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Old 18.01.2008, 12:44
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Re: 90k CHF - enough to live on?

It depends on how you want to live.

Most Swiss don't earn that much. Most of the Swiss I know travel two weeks a year and the rest of their vacation they spend within Switzerland. They drive modest cars and live in average apartments or have built houses in villages.

The Swiss that travel 5+ weeks a year have more money to burn.
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Old 18.01.2008, 15:24
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Re: 90k CHF - enough to live on?

IF you do not have a car, which is fine, as it is easy to travel everywhere, even the mountains, it is enough for the two of you to live a reasonable lifestyle including some holidays. (Unless you are both >55, then health insurance might be expensive, check www.comparis.ch).

With reasonable, I mean, no worries about food, can afford to go out sometimes, can afford some day trips in Switzerland without worrying too much about budget etc.

This is based on if he just earned 90k. If the bonus is there, holidays would become more affordable.
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Old 18.01.2008, 16:29
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Re: 90k CHF - enough to live on?

For me that's a bit low, especially for a couple. I mean why go to Switzerland to be paid a low salary??? Also, travelling outside of Switzerland is very expensive due to all the Euros and Pounds. I mean if this was a very fun country, then yes, you can maybe manage, I wouldn't bother for 90K, you will find a lot of hidden costs here that will reduce your paycheck. The problem in Switzerland is that if you accept to live a very simple lower-middle class lifestyle, it's not too bad, the second you want to rise above... it gets expensive. Even 200-250K a year is nothing special here as your costs will baloon expotentially (you want a house, car etc.)

Just look at the rates electricians charge and then imagine having to renovate your apartment/house.
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Old 18.01.2008, 16:31
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Re: 90k CHF - enough to live on?

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Also, travelling outside of Switzerland is very expensive due to all the Euros and Pounds.
Quote of the day.
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Old 18.01.2008, 20:03
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Re: 90k CHF - enough to live on?

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For me that's a bit low, especially for a couple. I mean why go to Switzerland to be paid a low salary??? Also, travelling outside of Switzerland is very expensive due to all the Euros and Pounds. I mean if this was a very fun country, then yes, you can maybe manage, I wouldn't bother for 90K, you will find a lot of hidden costs here that will reduce your paycheck. The problem in Switzerland is that if you accept to live a very simple lower-middle class lifestyle, it's not too bad, the second you want to rise above... it gets expensive. Even 200-250K a year is nothing special here as your costs will baloon expotentially (you want a house, car etc.)

Just look at the rates electricians charge and then imagine having to renovate your apartment/house.

Canadian Dude - when you posted on the dogs thread you mentioned that you had come back from the Carribean, Without being rude you are maybe in the position that you earn a great deal more than 90K. For the poster who enquired they seem to realise that things will be tough for a while. People live to what they earn - it always annoys me when people presume that if you live in Switzerland you are on mega bucks - yes, a lot of people are but most are not. If you are a drinker or a person who eats out a lot a lot of income will be swallowed up, but I think that they could live on that money and in the future maybe when they have two incomes it will be easier.
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Old 18.01.2008, 20:26
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Re: 90k CHF - enough to live on?

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second you want to rise above... it gets expensive. Even 200-250K a year is nothing special here as your costs will baloon expotentially (you want a house, car etc.)
As a Swiss native this is really hard to take. Is that really how you think of us here? 200-250K a year is VERY special. It's great that you seem to make tons of money but it's also quite obvious to me that having too much cash has corrupted your views of things.

Your message here is an insult to me. The average income for a family here is about 70'000 Fr. a year. 90'000 is quite a bit above average and will easily allow you to have a car, go on vacation and live very decently. 95% of us here don't have much more than that. You might have to choose a normal apartment rather than an architectural master-piece but it's definitely people like you who don't blend in, rather than those who are able to live very well on an average wage.

peter
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Old 18.01.2008, 20:55
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Re: 90k CHF - enough to live on?

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As a Swiss native this is really hard to take. Is that really how you think of us here? 200-250K a year is VERY special. It's great that you seem to make tons of money but it's also quite obvious to me that having too much cash has corrupted your views of things.
It is only when you don't earn it yourself that you don't know how hard it actually is.
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Old 18.01.2008, 21:20
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Re: 90k CHF - enough to live on?

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For me that's a bit low, especially for a couple. I mean why go to Switzerland to be paid a low salary??? Also, travelling outside of Switzerland is very expensive due to all the Euros and Pounds. I mean if this was a very fun country, then yes, you can maybe manage, I wouldn't bother for 90K, you will find a lot of hidden costs here that will reduce your paycheck. The problem in Switzerland is that if you accept to live a very simple lower-middle class lifestyle, it's not too bad, the second you want to rise above... it gets expensive. Even 200-250K a year is nothing special here as your costs will baloon expotentially (you want a house, car etc.)

Just look at the rates electricians charge and then imagine having to renovate your apartment/house.
this means you earn 500k a year? what hidden costs? crap.
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Old 18.01.2008, 21:24
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Re: 90k CHF - enough to live on?

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this means you earn 500k a year? what hidden costs? crap.
Have you ever fathomed the cost of a Dolce&Gabbana dog leash?
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Old 18.01.2008, 21:44
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Re: 90k CHF - enough to live on?

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Not at 90K it doesn't even with 15% bonmus he doesn't hit the 120K necessary to be taxed as per Gemeinde.
Hi,
You dont need to earn 120K to be taxed by gemeinde. The 120K is for filing tax returns.

Do correct me if i am wrong
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Old 18.01.2008, 21:47
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Re: 90k CHF - enough to live on?

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Hi,
You dont need to earn 120K to be taxed by gemeinde. The 120K is for filing tax returns.

Do correct me if i am wrong
you're always taxed by gemeinde - some have a higher tax-exemption threshold than others, though.
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