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Old 24.09.2021, 13:26
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Total living expenses and taxes in Geneva

Please, I would appreciate it if you could tell me how much I could save (very approximately of course) per month by living alone in Geneva in a regular apartment, living a normal life without too many luxuries and with a salary of 5,600 CHF net per month.

I mean cash in my pocket, after paying taxes, insurances, apartments, etc.
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Old 24.09.2021, 13:30
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Re: Total living expenses and taxes in Geneva

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Please, I would appreciate it if you could tell me how much I could save (very approximately of course) per month by living alone in Geneva in a regular apartment, living a normal life without too many luxuries and with a salary of 5,600 CHF net per month.

I mean cash in my pocket, after paying taxes, insurances, apartments, etc.
Here you are
https://www.numbeo.com/cost-of-living/in/Geneva
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Old 24.09.2021, 13:41
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Re: Total living expenses and taxes in Geneva

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Please, I would appreciate it if you could tell me how much I could save (very approximately of course) per month by living alone in Geneva in a regular apartment, living a normal life without too many luxuries and with a salary of 5,600 CHF net per month.

I mean cash in my pocket, after paying taxes, insurances, apartments, etc.



How long is a piece of string ?


What is normal ?
What would be "too many luxuries" ?
What is a regular appartement ?
How long you plan to be a monk ?
You speak French ?



It's impossible even to hazzard a real estimate, any estimate you get is so dependant on outside factors as to be next to useless.


With Chf 5.6k you won't starve, you can have a good time and quite likely within a few months you will learn where and how much you can save. This will come with expereience, once you know where cheaél deals are to be had, who does what best, but to maximise on this you need to knbow the local language.
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Old 24.09.2021, 14:44
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Re: Total living expenses and taxes in Geneva

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Please, I would appreciate it if you could tell me how much I could save (very approximately of course) per month by living alone in Geneva in a regular apartment, living a normal life without too many luxuries and with a salary of 5,600 CHF net per month.

I mean cash in my pocket, after paying taxes, insurances, apartments, etc.
Is net equal to gross minus social security or already after tax?
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Old 24.09.2021, 15:41
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Re: Total living expenses and taxes in Geneva

For rough estimation of taxes to pay, take a look at taxjungle.ch

It seems that for 67k annually, you'll pay ~10%
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Old 24.09.2021, 16:07
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Re: Total living expenses and taxes in Geneva

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Please, I would appreciate it if you could tell me how much I could save (very approximately of course) per month by living alone in Geneva in a regular apartment, living a normal life without too many luxuries and with a salary of 5,600 CHF net per month.

I mean cash in my pocket, after paying taxes, insurances, apartments, etc.
Hello,

There's a contradiction, you wrote 5'600 net per month and then ask about taxes. Usually, net salary means after income tax and social deductions (retirement, disability insurance, etc).

Living alone in a regular apartment? It all depends on what do you mean by regular apartment. Also consider that landlords and rental agencies make a simple calculation. Disposable or net income divided by three equals the rent you can afford.

I'd be surprised if you find an apartment in for less than 1'500 CHF a month. Studios of ~30 m2, maybe. Rooms in shared flats in more desirable areas start at 1'000 CHF a month. If regular apartment means 1 bedroom + kitchen + living room that's a 2.5 apartment in GE, I'd say at least 1500 a month and certainly not with your feet of the lake water. More probably under the path of airplanes arriving and departing the airport. If regular means 2 bedrooms, add 300-500 CHF per month more. Closer to city center, at least 2'000 for 2.5 room flat, and 2'500 for 2.5 room. From there, to the sky. Take a look at prices https://www.immoscout24.ch

Then, comes health insurance which starts at 250-300 CHF a month.
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Old 24.09.2021, 18:47
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Re: Total living expenses and taxes in Geneva

Hello, and welcome.

Have a look here. http://www.budgetberatung.ch/Budget-...08de802.0.html

This is a website of a charitable organisation which offers advice on budgeting. It is in German, so if you don't read it, I suggest using google translate, or else deepl. Sometimes it's useful to use both, as one may get a slightly different translation. I don't know whether there's an equivalent site in French.

Have a look at "Budgetbeipiele" (example budgets), and to the right of that title, you can choose the income range, in your case 5000-7000. These are intended as a general guideline of how one might reasonably distribute one's spending and saving. It might be worth your while looking at 3500-4500, too, to help understand which types of costs could increase, or be kept the same.

In general, anything that involves staff or services tends to be more expensive in Switzerland than one might be used to from elsewhere, because their wages are usually high enough for them to earn a living. Therefore, the big ways to save money are in doing things for yourself. Instead of eating in restaurants, buy fresh food and cook for yourself (and your friends). You'll have to spend less if you can wash and iron your own clothes, clean your own apartment, mend any small tears in your clothes and sew on your own buttons, fix your own bicycle, install your own electronic devices, and so on. The more skills you have, the less you will need to spend and the more you can save.
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Old 24.09.2021, 18:55
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Re: Total living expenses and taxes in Geneva

Even if you aim to live alone, many single people choose to live in a room in a shared appartment when they first arrive in Switzerland, at least to start with. They are much easier to find, especially temporary sublets.

This can be a good option because it is not easy (or wise) to rent an apartment you have not seen, while you are still abroad. Once you're here you could look around properly for an apartment for yourself.

https://www.wgzimmer.ch/es/wgzimmer/...wc_language=es

https://fr-fr.roomlala.com/colocatio...modationType=4

http://www.recherche-colocation.com/geneve.html
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Old 26.09.2021, 13:00
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Re: Total living expenses and taxes in Geneva

Thank you very much for all your answers. They helped me very much. Te reason of my question is that I am very close to get a job in CERN that has a entry salary of 5600 (CERN salaries are net of taxes). And I would like to know how much I could have at the end of the month to check if the job worth moving.

I asked for 1 room, one kitchen, one living room apartment (not with views to the lake and not just under the planes hehe).

Yeah, normal living expenses may vary very much depending on who answers, let's do one thing. Don't take into account anything except fixed expenses. Imagine no eating in restaurant, not entertainment and not anything not basic.
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Old 27.09.2021, 10:13
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Re: Total living expenses and taxes in Geneva

In this case you will probably need to live in Meyrin - 1 bedroom apartment can be anything between 1500 - 2000 CHF, and if 5600 is your net home take pay (i.e no tax and benefits already deducted) you are left with around 3600 in your pocket.
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Old 27.09.2021, 10:48
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Re: Total living expenses and taxes in Geneva

As mikedragos mentioned, 1500-2000 CHF for rent and 250-300 CHF per month for mandatory health insurance.

A public transport monthly pass should be around 100 CHF (or a bit less). Covered parking for a car should be about a bit more than 100 CHF.
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Old 03.10.2021, 22:55
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Re: Total living expenses and taxes in Geneva

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Please, I would appreciate it if you could tell me how much I could save (very approximately of course) per month by living alone in Geneva in a regular apartment, living a normal life without too many luxuries and with a salary of 5,600 CHF net per month.

I mean cash in my pocket, after paying taxes, insurances, apartments, etc.
My estimates, do your math (all prices per month)

Room in shared apartment: 850 to 1100 CHF
Small studio - 1200 to 1500 CHF
2-3 rooms - 1800- 2500 CHF

Insurance (health) - between 300 to 600, depends on your selected franchise, age, gender (yes, gender as well, to a certain degree). If you get sick or have some underlying condition, add to this 500-1000/YEAR for doctor fees (insurance covers generally bigger part, but not 100 %, until youyr copayment is filled to the limit).

Food - can be between 300 to 1000, depends how you live. I generally cook myself (I like it), very raraly eat out, I spend ca 450-500 if I do it 100 % in Geneva. If you go to France you can save some (but the difference, except meat will not be huge, maybe 100 CHF per month). I used to go to France in the past and my spending was ca 200 in Geneva and ca 150 EUR in France.

If you go out to restaurants, bars, pubs, the sky is the limit (70-100 CHF/person to be comfortable for not a very fancy evening)

500 CHF is annual ticket for public transportation. (so ca 40 CHF/month)

Clothing - well, I buy this rarely, so no idea, prices are not high. Kind of European prices (unless you buy posh brands, of course)

Electronics - really cheap, cheaper than in most of Europe (again, you buy it rarely). And depnds how you play it - I have assembled myself one killer PC for 1300 CHF total while people pay 2500 for mediocre machines.

Then there are things like car, but who has a car in Geneva (and what for?). So, no idea

So, to sum it up, if you live fairly frugally, you should spend between 2300-2500 per month. Maybe 3000 if you want to have some fun. But don't cite me on that, I am a minimalist, don't party too much etc.
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Old 05.10.2021, 12:10
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Re: Total living expenses and taxes in Geneva

"Room in shared apartment: 850 to 1100 CHF"

I would say more like 1000 - 1500 CHF
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Old 05.10.2021, 12:24
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Re: Total living expenses and taxes in Geneva

If you are a EU national have a look at living in France. Public transport not so good, but costs should be lower.
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Old 05.10.2021, 21:18
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Re: Total living expenses and taxes in Geneva

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"Room in shared apartment: 850 to 1100 CHF"

I would say more like 1000 - 1500 CHF
Yes, but that is common offering price. However, there are many places for cheaper, just gotta look a little bit. Same is with individually rented apartments- new people accept outrageous prices, as they dont know the market and some regies are not hmm, honest, so to say. Gotta read the bail very carefully, remember, you have 30 days to protest the rent price, if this was raised too high by regie.
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