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Old 03.03.2019, 20:47
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Advice Germany to Switzerland relocation

Hello everyone,


I would be grateful if anyone could tell me what to expect when switching from gross salary of 50-55k EUR in Dortmund to 95k-100k CHF in Zurich. Renting in both cities.



Is it worth at all, considering that my wife isnt working and we have no kids, but planning.


Numbeo says that Zurich is twice as expensive, but I guess salary will compensate it just enough. Net in EUR is approx. 1.7x bigger in Zurich.
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Old 03.03.2019, 21:44
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Re: Advice Germany to Switzerland relocation

Hi wizu.

Two questions immediately come to mind. what's your nationality and when is the move planned for?
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Old 03.03.2019, 22:17
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Re: Advice Germany to Switzerland relocation

Hi,
I come from Poland, and the move time is not set as I did not decided yet.
I am satisfied with my current work, just a bit bored, and work in Zurich would be more challenging and probably more stressful, so the question is if the money is worth it.
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Old 03.03.2019, 22:29
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Re: Advice Germany to Switzerland relocation

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Hi,
I come from Poland, and the move time is not set as I did not decided yet.
I am satisfied with my current work, just a bit bored, and work in Zurich would be more challenging and probably more stressful, so the question is if the money is worth it.
Tax will be much lower so it's probably worth it.
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Old 04.03.2019, 09:38
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Re: Advice Germany to Switzerland relocation

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Hi,
I come from Poland, and the move time is not set as I did not decided yet.
I am satisfied with my current work, just a bit bored, and work in Zurich would be more challenging and probably more stressful, so the question is if the money is worth it.
I think you've answered your own question right there. You're bored and want a challenge I'm also guessing that you and your wife already speak a decent level of German?

To be honest, at this point in your life, it's a good move to make, and you can always move back to Germany if it doesn't suit you.
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Old 04.03.2019, 21:54
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Re: Advice Germany to Switzerland relocation

Hi,


thank you for the replies. Yes, the perspective of more challenging work is both interesting and intimidating - my concern is that swiss employer can easily let employee go without giving any reason. In Germany employees are protected against such actions.


Regarding language I am at B1/B2 level in german, while my wife can speak basic german or english.


Again, thank you for all replies, seems for me that both choices have pros and cons, Germany feels safer at the moment vs risky but nice Switzerland.
Money seem to be slightly better in Switzerland though.
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Old 05.03.2019, 07:59
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Re: Advice Germany to Switzerland relocation

I think you have a fair summary - I don't know Dortmund, but salary and lower taxes will probably more than balance the potential higher cost of living, but we are still talking about an (upper) middle class lifestyle, not a life of luxury.

Regarding safety, my view is that I'd probably start looking myself if my company wasn't happy with my work, and you do have some protections in CH after 3 months. Obviously this is a question of taste/priorities though.

Also, I'd encourage you to look at the overall market and atmosphere in the respective areas. Presumably you eventually won't want to move cities/countries with every job change (especially if kids come along). Also, local competition for the sort of work that you do also provides some safety.
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Old 05.03.2019, 08:22
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Re: Advice Germany to Switzerland relocation

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Hi wizu.

Two questions immediately come to mind. what's your nationality and when is the move planned for?
That Q was a bit personal! However now we know! Seriously though I think you will find it a lot more rewarding, also there are lots of ways to optimise money and spending once you are here.
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Old 05.03.2019, 18:46
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Re: Advice Germany to Switzerland relocation

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That Q was a bit personal! However now we know! Seriously though I think you will find it a lot more rewarding, also there are lots of ways to optimise money and spending once you are here.

Hi, yes it was , in the first moment I had some corcerns why would anyone need it. The only thing that could matter, I suppose, is whether I am EU-citizen or not.


Regarding spending , what I calculated for a couple was:
DE/CH
Net income........ 3000-----6000
Rent................... 750-----1600
Utilities............... 100-----200
Bills......................50-----100
Food, etc.............. 500----1000
Medical insur.......... 0------700
Car(insur, fuel,tax).. 250---500
Transportation......... 50----100

Total costs........... 1600 vs 4200

So what's left is 1400EUR in DE vs 1600EUR (1800CHF) in CH.


What i could optimize is the car by not having it, or food by shopping in DE, as I need the car to shop in DE
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Old 05.03.2019, 19:21
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Re: Advice Germany to Switzerland relocation

A few comments:
  • Not sure what "bills" covers
  • Not sure what "food" covers. If it is just food and groceries, seems a bit high
  • Clothing?
  • Going out?
  • Holidays?
  • Haircuts?
  • Gifts?
  • Dental?
  • Optician?
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Old 05.03.2019, 19:38
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Re: Advice Germany to Switzerland relocation

numbeo is pretty much BS, at least when I look up stuff in there.

Spending 1000 chf a month for food for 2 people is just over the top. That's more than 16 CHF a meal breakfast excluded, 8 CHF per person.

Check out how much stuff actually costs e.g. on https://www.denner.ch/de/
migros and coop are more expensive but typically you can find the 50% off stuff that they throw away the next day, so you can get good deals on meat there too.

If you move to Zürich city, you could forget the car, calculate an urban subscription for your commute + probably the city center, + a halb-tax for assorted other trips.

Last edited by Murloc; 05.03.2019 at 19:56.
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Old 05.03.2019, 19:51
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Re: Advice Germany to Switzerland relocation

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Hi, yes it was , in the first moment I had some corcerns why would anyone need it. The only thing that could matter, I suppose, is whether I am EU-citizen or not.
Sorry for not qualifying the question. I was just trying to establish if you're British or not because some rules will change for British newcomers after 29. March. As soon as I read that you're Polish, I knew you'd be alright.
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Old 05.03.2019, 21:08
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Re: Advice Germany to Switzerland relocation

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A few comments:
  • Not sure what "bills" covers
  • Not sure what "food" covers. If it is just food and groceries, seems a bit high
  • Clothing?
  • Going out?
  • Holidays?
  • Haircuts?
  • Gifts?
  • Dental?
  • Optician?
Bills: well phone/internet/tv
Food, etc : let's say it includes clothing and generally what i would spend for detergents, etc,

Going out,Holidays,gifts - covered from what is left. I dont go out too often, and for holidays I prefer to buy long haul tickets and organize everything by myself, so I consider the price not be very different from CH or DE.

Dental and optician = covered from what's left: except emergencies, I would do them when I am in Poland

Haircuts don't know 20/40?
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Old 05.03.2019, 21:51
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Re: Advice Germany to Switzerland relocation

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Bills: well phone/internet/tv
Food, etc : let's say it includes clothing and generally what i would spend for detergents, etc,
Let’s say it seems ok

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Going out,Holidays,gifts - covered from what is left. I dont go out too often, and for holidays I prefer to buy long haul tickets and organize everything by myself, so I consider the price not be very different from CH or DE.
Regardless of whether it costs the same, more or even less... it isn’t your budget right now so either you won’t have this if there isn’t anything left over or will be from your savings...

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Dental and optician = covered from what's left: except emergencies, I would do them when I am in Poland
Same as above, your flights to Poland aren’t budgeted for..l am guessing you are not going to go to a doctor here but it is still prudent to account for something...

Maybe it is different personalities but I personally prefer to over budget and have a pleasant surprise rather than under budget and get a nasty surprise... good luck with your decision...
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