2 adults, 2 kids, 2021 total expenses excluding taxes:
CHF 135,000
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THANK YOU!!
You can give us some context too in order to feel better. I suppose you both work full time and need to pay for nursery? Or private schools maybe? Figures without context are not right or wrong so you’re fine. Also, it depends on how much you earn 
one person, leaving in Bern. 30k roughly, mainly rent and travels for seeing my gf… without the travels I would reach 26k. Unfortunately I don’t have them divided because I completely changed my spreadsheet for 2022 and deleted the old one
Yep !
Me full time
My wife 80%
Boy 1 : 3yo, one day per week to nursery.
Boy 2 : 1yo, with grandparents when we work.
We both don’t work on Wednesday 
(I am full time but with free time slot to work).
We are both teacher, meaning that we have a lot of time with children during vacation !
I would be happy to compare and help to optimize !
OK, CHF 114,000 would actually be a more accurate figure for the four of us. I had included CHF 21,000 for the establishment of an Airbnb flat in 2021 (some one off and some recurring items…)
Our top spending categories:
25,100 - rent and utilities
18,000 - health
17,000 - groceries
11,500 - holidays
5,600 - transport
how do you live in a 2000 CHF flat with 4 people? 
Maybe Zürich prices have miscalibrated me.
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Even in Zurich, doable if you are lucky.
My 3 room 75 sqm apartment (in a decent location in Kreis 2) is less than 2k.
I could imagine a family with 2 kids living at my place.
OK I’m officially wanting too much then 
We have a 4.5 with 105sqm with 1 kid and it’s barely enough.
How do you manage a 3-room apartment with 2 kids (and potentially with 2 parents working from home)?
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4.5 room apartment in a mid-sized Swiss town.
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wait a minute… 75 sqm 2 kids, woah. Respect if you manage it.
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I grew up in 25sqm in a family of 4 (until I was 12 or so), so anything is possible; and everything is relative. 
I think we are very spoiled here.
Sure nowadays WFH brings complications, but if we assume “normal life”, it shouldn’t be such a challenge. 
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Hi all,
As i cannot write these figures as it would get too complicated and too time-consuming - see attached a screenshot of the budget for the year 2022 (live-view) which is up-to-date YTD.
You see the Cost of Life which is 71’685 CHF and total net salary of 145’809 CHF.
The total expenses of CHF 71’685 include both taxes as well as 3A contributions of 6.82k CHF. So if you would like to compare my figures - you would need to deduct those two figures.
We live in Zurich and I am 31 years old - my wife is 27 years old.
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hi @RayKeynes
looks like an awesome spreadsheed! is there a chance you make it available (without your data od course)?^^
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It’s indeed awesome. I’m feeling sad looking at it compared my own basic Excel skills 
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Thanks for the compliment. It took me some days to get it where it is. Right now everything is automated. Credit Card Payments, Invoices etc. do automatically get fed into the Excel and update the budget (actual figures). Further - the excel is also linked with Refinitiv Eikon and does update all investment figures automatically and calculates all margin thresholds.
Below on the budget - I do also have tax calculations which reconcile 1:1 to the offical tax statement. For 2022 - I do expect total taxes of 13’530 CHF which is a net tax rate of 8.26% of total net income. You can also see the split into communal, cantonal and federal tax. Project monthly savings are 6’300 CHF excluding pension fund and excluding 3a contributions.
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Finally got to sum up all expenses in 2021: a whopping ~140K CHF! (not counting taxes, pension funds contributions and investments of course)
We are a family of 4 with small children, living in the city to Zurich. A good chunk of my wife’s costs are not counted because she likes to pay them from her own account for fear of my mustachian judgment :).
I have not broken down the costs into categories, the only ones I know for sure are:
- childcare 42K
- interests on main residence 7K
That leaves us with about 90K CHF spent for a lifestyle which I would judge far from luxurious. I am shocked.
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Can’t wait to know your fire number to afford it !
well with FIRE the childcare costs should drop dramatically (that is 1 MCHF for itself)
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I feel you, last year we spent 120k excluding tax & investments.
Childcare 50k
Housing 20k
Credit card expenses including holidays 30k (we pay as much as we can per cc)
“Modest” lifestyle: no car, groceries & holidays in the neighbouring (low-cost 
) countries
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