After fine-tunning, this is the graph of my 2023
.* Edited: correction.
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How is you insurance so cheap?
I thought I was good with my ~2700
I think that’s possible only if your employer is contributing like 200/month (or you’re a student). 
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oohps. I did a mistake. It was actually 3693.
2700 is crazy cheap. Actually I had cheapest insurance available with the highest franchise for my area…
It’s really cheap here for sure. This year a bit more and will be ~2800. I always switch to the cheapest provider every year with highest franchise.
Pretty crazy that there a such huge differences and some cities I would pay literally double.
Where is “here”?
(20chars)
Not gonna doxx myself 
Somewhere ZH canton
Thanks for sharing.
I’m surprised with your groceries budget for a year. It averages to CHF 50 per week. Do you have a garden with your own fruits and vegetables ? 
I eat a lot of potatos
jk.
It’s an estimation because I have lack of data, this was the portion shared with my BF. Is probably underestimated. I have checked 2023 and I am averaging at 70chf / week. So probably reality is closer to 3800 chf / year (as you see unclassified part is pretty big).
I don’t want so start or continue a site discussion here, but a couple can eat well and healthy at home with 500 CHF a month, even 400 CHF.
Obviously, this excludes steak or restaurant visits every day. But these might be not your diet or hidden in the unclassified cost
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Sounds about right.
I have ca. 500 CHF for myself, but I literally eat 4000 kcal per day (athlete). So the typical 2k diets is half.
But I shop 90% at Lidl and check for coupons and stuff. Meat mostly with discount (I eat about 400g of meat daily). So I eat the meat type that‘s on discount most of the time haha.
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I’m reopening the topic for this new year, 2025!
I’d like to take this opportunity to wish you a happy and prosperous 2025! I wish you all the best, both personally and professionally! Be proud and grateful for your accomplishments. Be humble and resilient in the face of difficulties.
Here are our total expenses for 2024 (YNAB counts savings as expenses):
Here are the total expenses without our savings:
And here are our total expenses without savings and taxes:
I’ll add a few specifics: We took a beautiful trip to Cambodia with my girlfriend’s family after I passed the bar exam. It cost a lot of money, but it was worth it because I was able to relax and enjoy every day of my vacation!
We replaced an old TV that was 20 years old, and we renewed our wardrobe, which was aging and no longer suited our morphologies, especially mine, as I’ve gained muscles and no longer fit into my pants and t-shirts…
As for other expenses, my girlfriend has unfortunately been sick a lot, so the cost of her care has gone up a bit this year. As for the rest, I’ve noticed that we still go out to eat a lot (or even order takeout too often), which is something I’d like to change by 2025.
As for our savings rate and income distribution, here’s where we are:
Our goal was a savings rate of 40%… Unfortunately, we only got to 35%. I got screwed on taxes because I hadn’t anticipated a tax increase at the municipal level. Also, in my canton, the installments are an ordeal to set up: we get 9 installments in May for the canton, then 8 installments in July for the commune, then 6 installments in July for the IFD… This means that if I pay in monthly installments, we end up with a huge amount of tax to pay between July and December… I’ve already undertaken to change this now, this year I’ll pay my installments in full in June 2025, then I’ll monthlyize the 2026 installments over 12 months, this will give us more available per month and better management of our expenses.
Our savings goal for 2025: 40% (or more if possible).
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Time to look back at the total expenses for 2024:
- Family of four in a mid-sized Swiss town, living in a rented apartment
- Total yearly expenses CHF 110K (w/o taxes, my wife spends some of her own money, which is not tracked)
- Saving rate (w/o taxes): 36%
Biggest items:
- Housing 33,100
- Health 18,700
- Holidays 18,000
- Groceries 16,500
- 2 Kids (school and monthly allowance) 7,500
- Eating out and fun activities 5,200
- Clothing 3,200
- Transportation 2,500
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Here are my expenses for 2024.
- Individual, in my early thirties, living with my partner, the figures below include my share of common expenses.
- "Food " includes groceries, takeaways at work, and bakery items, but excludes restaurants (which I classify as a luxury rather than a necessity, so they fall under “leisure”).
- “Leisure & Personal Expenses” covers dining out, bars and social outings, clothing and footwear, hairdresser, sports, leisure activities, books, education, electronics, software, and subscriptions.
- I increased my pre-tax savings rate to 68% this year, thanks to a salary increase while maintaining constant spending levels.
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Not much change for this year (except full kindergarden) of our family of 3 renting in GE:
| Label | CHF |
|---|---|
| Rent and charges | 1630 |
| Additional charges for heating and water | 9 |
| Internet Fiber - no TV | 41 |
| Power | 40 |
| Serafe - Radio and TV | 28 |
| Genève - personal tax | 2 |
| RC + House insurance | 20 |
| Car rental insurance | 0 |
| Laundry | 33 |
| ASLOCA contribution | 38 |
| Deposit at the Bank | 2 |
| Bank fees | 8 |
| Daycare | 1925 |
| Health insurance for 3 | 875 |
| Groceries+take away+restaurant | 401 |
| Leisure, holidays, personal expenses (me) | 807 |
| Leisure, holidays, personal expenses (her) | 327 |
| Monthly TOTAL | 6 186 |
| Yearly TOTAL | 74 232 |
My wife will participate in 30% of our fix costs but 50% on the groceries, take away, trips …
2023 was indeed the final year with the saving rates above 60% … 2024 was at 55%.
We’ll need a serious payrise to overcome kindergarden until my son will join public school.
My wife is saving around 49% and I’m saving more around 63%.
It may be worse in 2025. Let’s see.
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That’s quite impressive for a family of 3! 
One question regarding this:
If I’m not mistaken, that’s the equivalent of Mietverband in Welschland, but that would be 75/year for Geneva, not 456? Or this is voluntary contribution?
I’m including in this line the annual subscription as you mentioned but also the lawyer bill we got to contest the 30% rent increase we had at the beginning of our contract.
We negotiated a fix rent for 5 years with the lawyer and this line represent the cost of the procedure.
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Well I spent way more than expected, like almost every year lol. There is lifestyle inflation for sure. Monthly spending before taxes:
2019: CHF 4’121
2020: CHF 4’313
2021: CHF 4’541
2022: CHF 5’501
2023: CHF 5’574
2024: CHF 6’600 est.
But I’m getting back on track this year. Currently budgeting CHF 4’540 before taxes. So my goal is to stay below 60k for the year.
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Wow. I’m amazed you get such a low budget in GE given that you have almost 2k on daycare costs alone! As someone who has 2 small kids in daycare, I can certainly feel your pain. Things do get better once the amount is reduced when kids go to KG and hopefully again once they are in school.
I was wondering, what costs do you consider fixed vs non-fixed for the purposes of the difference in split/contribution?
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My turn, this year:
- 35ish year old, living with my partner so is my share of the expenses, in Zurich. No kids.
- This year, -5.8k of living expenses vs 2023! main reasons: less lavish holidays this year, and my BF contributing a slightly bit more in common expenses.
- I payed taxes in advance (I was always lagging vs my salary increases)
- Debt payment at 0% interest to family, now I am officially debt-free.
- Some of the “other expenses” are not classified properly, I do not have a super precise tracking, only for big items.
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