Well, the car is an EV. In 2022 we didn’t have any maintenance costs (tyres were changed in 2021).
I’m accounting only for “fuel” from external charging points. We are charging quite a lot at home but we don’t have a separate meter and I’m too lazy to do the manual calculations and remove that fraction from the housing costs 
We are building an RV (better: we are having one built for us) so that expense will appear in 2023 as well… 
Hi everyone,
Please find below the expenses of our Household (maried couple with a baby):
| Total Dépenses variables | Effectif |
|---|---|
| Food | CHF13,998.29 |
| Non-Food | CHF9,298.75 |
| Mobilité | CHF1,854.12 |
| Medical | CHF1,786.05 |
| Dons/Cadeaux | CHF3,223.17 |
| Impôts/Taxes | CHF29,206.05 |
| Abonnements | CHF367.00 |
| Téléphone | CHF341.50 |
| Maison/Appartement | CHF793.45 |
| Services | CHF2,218.60 |
| Vacances | CHF7,982.38 |
| Activités entre amis | CHF2,757.26 |
| Habits | CHF2,828.37 |
| Autres/Divers | CHF6,790.65 |
| Ménage | CHF698.20 |
| Bébé | CHF1,703.03 |
| Dépenses fixes | ||
|---|---|---|
| Loyer | 2,346.67 | 28,160.00 |
| Ménage | 250.00 | 3,000.00 |
| Assurance maladie | 869.50 | 10,434.00 |
| Internet | 0.00 | 0.00 |
| Téléphonie | 58.00 | 696.00 |
| Compl. CSS | 45.00 | 540.00 |
Total dépenses annuelles: CHF128,676.86
I do like graphs 
Do not hesitate to challenge my expenses, I find them not so mustachian for this year… Next year won’t be great either but that is another story 
Best wishes for 2023 to everyone, take care!
Just drop the taxes then you’re sub-100k, which is pretty okay I guess.
2022 yearly spend / Family of 3 in Zürich city, 4.5 rooms flat
Amounts are approximate as bloody PostFinance pulled the plug on e-Cockpit and I had 2 months in between with no tracking until I switched accounts fully. 
36’000 accommodation and furniture
12’000 groceries
18’150 childcare
3’000 domestic help / cleaning
10’000 health insurance
1’600 comms and media
6’000 Mobility incl petrol, parking, repair and servicing of 1 car + public transport tickets
5’000 Holidays
7’000 Personal spending (Sport, Electronics, Leisure tickets, etc.
(+10k personal one-off)
Sum 99’000 without taxes
(10k more than last year 
but it’s coming fully from extended Kita costs)
Expense Report 2022, total of 20K expenses.
Household of two in Zurich, only my own expenses.
This year 39k, biggest differences as follows:
Renamed to household since that’s a better name. It includes all household spending, e.g. garbage bags, light bulbs, …
The rest of the increase in spending (2k) is spread over many categories.
Detailed data, as output by Ledger (I’m one of the few people that prefer ledger-cli over Beancount):
39,155.319 CHF Expenses
6,883.000 CHF 3a
382.200 CHF Clothing
345.400 CHF Dining
1,811.500 CHF Education
249.399 CHF Fees
23.399 CHF Broker
226.000 CHF Other
354.000 CHF Gift
1,093.850 CHF Health
1,556.540 CHF Holiday
1,963.730 CHF Household
5,060.200 CHF Insurance
4,827.200 CHF Health
233.000 CHF Other
558.050 CHF Leisure
841.000 CHF Memberships
2,834.500 CHF Travel
14,993.950 CHF Utility
179.700 CHF Hosting
214.500 CHF Internet
260.200 CHF Phone
75.200 CHF Power
14,096.850 CHF Rent
167.500 CHF Serafe
228.000 CHF Various
I’d argue 3a is not an expense, it’s your money from left pocket to right pocket - still your own money, just now invested.
Monthly fix cost budget for a couple living in Geneva area:
| Libellé | CHF |
|---|---|
| Rent and heating | 1524.00 |
| Extra heating and water | 8.67 |
| Internet Fiber | 44.15 |
| Power | 30.00 |
| Swiss - Taxe Serafe - Radio et Television | 27.90 |
| Personal tax | 2.10 |
| House insurance | 17.20 |
| Laundry | 20.00 |
| ASLOCA | 43.78 |
| Cautionfees | 1.67 |
| TOTAL CHF | 1719.00 |
| My system is not as detail as the other for the remaining. |
My average saving rate is stable around 64% without kid but I expect it to drop dramatically as we are expecting a chlid beginning of Q2.
Daycare will cost a fortune but I expect joy.
A bit of conservative projection for a family of 2.
| Safe Withdrawal Rate (SWR) | 2,70% |
|---|---|
| Target Annual Expenses | 55 000,00 € |
| Target Net Worth to FI | 2 037 037,04 € |
| FI ratio | 45,81% |
| Guardrail to go back to work (drop 30%) | 1 425 926 € |
Wow, I am sincerely impressed.
Nice, well done!
Btw how do you save 115%?
What’s your formula for the savings rate?
(Btw2 you can append the year in front of month for the last x axis, should be easier to glance)
Still not at ease with the charts but I will try to improve it with the years.
The 1 bedroom flat is a LDTR in Geneva so I got low rent for 5 years. I got lucky to get it during Covid time and lockdown as we got no connection in agencies this country. Everyone was leaving Geneva in 2020.
The agency refurbished it completely will insolation so they got discounted tax rate on this rent for few years as well. Win.win as I do not spend much on electricity bill (A+ equipment was installed).
The rental association ASLOCA help to negociate and keep it low.
I am accounting only our revenue stream so the bump was unexpected donation after our wedding. Same with tax reclaim. How do you do it ?
Late 30ies, cohabiting, no children, living in Zurich, renting (rent split 50-50).
2022 expenses: 38497 CHF. -0.37% compared to last year. Doesn’t include taxes.
Just did the numbers. Double income couple in Zurich city with kid. Total spending CHF 161k, breakdown roughly:
After-tax savings rate 30%.
Baseline spending after daycare and furniture ~120k, which includes an expensive but spacious and comfortable city apartment, and 35k of entirely discretional spending (for our own sanity). Therefore don’t put any effort in optimizing costs like groceries, seems hardly significant.
How big is your family ?
Number of children could give me a expected budget increase 
Probably too many details but here I come:
Double income couple with a toddler living in Zurich’s silver coast. No car.
Total spending 168k 
Savings rate 30% after taxes
A lot of one-time purchases in clothes, furniture (just moved to new flat) and electronics.
Groceries increased quite a lot. Probably due to inflation + new grill + relatives visiting for a few weeks.
Counting the days until kindergarten starts 
| Main category | Sub category | 2021 | 2022 |
|---|---|---|---|
| Food | Groceries (cleaning and toiletries) | 9,057 | 14,126 |
| Food | Restaurants, coffee and snacks | 5,988 | 7,038 |
| Housing | Rent 4.5 rooms | 36,305 | 41,457 |
| Housing | Electricity | 418 | 541 |
| Housing | Furniture, decoration, non groceries | 7,252 | 6,319 |
| Housing | House appliances | 0 | 1,506 |
| Housing | Cleaning company | 1,407 | 1,379 |
| Housing | Moving expenses | 3,603 | 0 |
| Insurance | House insurance | 301 | 0 |
| Insurance | Personal liability insurance | 150 | 0 |
| Insurance | Legal insurance | 297 | 297 |
| Insurance | Travel insurance | 72 | 72 |
| Insurance | Rescue insurance | 80 | 80 |
| Insurance | Other objects insurance | 110 | 105 |
| Taxes | Serafe / Billag | 280 | 335 |
| Taxes | Tax consultant fees | 249 | 0 |
| Taxes | Taxes provision | 21,604 | 21,500 |
| Taxes | Customs | 63 | 258 |
| Taxes | Witholding Tax | 900 | 1,004 |
| Transportation | Public transport | 1,863 | 2,675 |
| Transportation | Taxis, Uber | 0 | 21 |
| Medical | Health insurance | 11,322 | 10,589 |
| Medical | Pharmacy | 2,118 | 1,817 |
| Medical | Dentist | 1,070 | 730 |
| Medical | Medical bills + physio, massages, glasses, etc | 2,323 | 2,263 |
| Travel | Transport, accommodation, food | 12,960 | 7,012 |
| Telecommunications | Mobile phone subscriptions | 610 | 410 |
| Telecommunications | Internet subscription | 1,022 | 600 |
| Telecommunications | Subscriptions (Netflix, news, etc) | 1,248 | 988 |
| Telecommunications | Software | 86 | 179 |
| Telecommunications | Electronics | 0 | 1,669 |
| Personal expenses | Clothes and shoes adults | 3,953 | 8,003 |
| Personal expenses | Hairdresser | 1,147 | 1,460 |
| Personal expenses | Cosmetics / Beauty care | 1,330 | 731 |
| Personal expenses | Sports | 445 | 664 |
| Personal expenses | Gifts | 1,017 | 1,695 |
| Personal expenses | Leisure | 92 | 1,233 |
| Personal expenses | Books | 190 | 425 |
| Personal expenses | Education | 0 | 187 |
| Personal expenses | Family support | 320 | 172 |
| Personal expenses | Lottery | 95 | 125 |
| Personal expenses | Bureaucracy | 36 | 195 |
| Personal expenses | Charity | 240 | 20 |
| Work expenses | Work Expenses | 0 | 206 |
| Children | Daycare 4 days a week | 27,360 | 25,320 |
| Children | Clothes and shoes | 3,000 | 1,280 |
| Children | Extracurricural activities | 10 | 312 |
| Children | Toys | 435 | 242 |
| Children | Equipment | 205 | 261 |
| Others | Others | 105 | 0 |
| Banking, investments and savings | Financial subscriptions | 184 | 231 |
| Banking, investments and savings | Banking fees | 201 | 145 |
| Banking, investments and savings | Broker fees | 120 | 120 |
| Banking, investments and savings | Banking fees currency | 109 | 107 |
| Total | 163,351 | 168,103 |
One
Apart from daycare, ‘normal’ costs (groceries etc.) went up only by 3-4k per year. However, we’re spending considerably more on comfort: bigger flat (5k/y), cleaning lady (2k/y) and eating out (3k/y).
Should a second kid come around, we’d need a car. Including parking I guess that’s at least an extra 10k/y. Add another kid in daycare and we’re probably looking at (tenporarily) 200k spending per year… 
Aka lifestyle inflation.
Hello everyone,
Our household, my wife and I without kids. Working in Vaud canton and living in Fribourg :
| Variables | CHF 61 249,68 |
|---|---|
| Food | CHF 12 022,77 |
| Non-Food | CHF 2 638,20 |
| Mobilité | CHF 6842,14 |
| Medical | CHF 564,18 |
| Dons/Cadeaux | CHF 3 683,51 |
| Sport | CHF 4 209,54 |
| Abonnements | CHF 1 020,00 |
| Téléphone/Internet | CHF 1 320,59 |
| Maison | CHF 3 182,82 |
| Services | CHF 30,26 |
| Vacances | CHF 9 058,02 |
| Activités entre amis | CHF 3 440,82 |
| Vêtements | CHF 1 425,46 |
| Autres/Divers | CHF 3 008,86 |
| Restaurant | CHF 4 602,16 |
| Véhicules | CHF 4 200,35 |
| Fixes | CHF 53 309 |
|---|---|
| Loyer | CHF 19 680 |
| Lamal + complémentaires | CHF 6 720 |
| Assurances véhicules | CHF 2 312 |
| Impôts + taxes | CHF 24 597 |
| Total | CHF 114 558,68 |
|---|
Thanks a lot @Mr.RTF for the GGsheet 
As in any area with a very high cost of living, having kids indeed is a lifestyle choice
Let’s revive this thread!
Time to look back at the total expenses for 2023:
Biggest items:
Still not very frugal, alas.