What Post-Tax/OASI Expense do you aim for in Switzerland?

This is at a paid off house, right? Should we add 1.3k to offset reduction in rent cost?

For me it’s about 5000/m, but I share some costs with my partner (we split those 60:40 as I earn more than her).

That’s at roughly 1k/month rent+utilities or mortgage interest+utilities.

I have not yet computed how to integrate mortgage amortization into the picture as that is only the second time I’ll pay one by the end of the month.

Current expenses are ~4k excl. taxes. But that‘s with apartment/food shared. I guess I would need 5k if I lived alone. Assuming no kids of course.

Lets add taxes/oasi and a significantly higher travel budget, then I‘ll probably be at 80k. 2.4 million just to be safe.

10k per month. For 3 kids.

Standard living costs are around 6.6k excl. taxes, AHV and mortgage payments. 10k when you add those in.

To answer the question in the title, 4-4.5k per month.
Includes rent.
That’s half the amount for the 3 person household (1 young child).
The difference lower value to higher value is mainly holiday costs, mainly depending on how much and how exotic.
My medical aid and rent is high where I am, I believe 0.5k could be subtracted easily and life would remain meaningful :vulcan_salute:

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CHF 3000 / month allows for a comfortable live as a single individual in a medium cost-of-living, medium-size city in Switzerland. And that’s being somewhat generous on some items.

Monthly budget (CHF / month):
1’000 rent
500 food and eating out
400 health insurance
250 commute / public transport
100 clothing
100 household and consumables (electricity / television license / garbage disposal fees, household & personal hygiene consumables)
65 fitness / gym membership
60 internet & phone (residential & mobile)
25 various small subscriptions (bank, webhosting, public library or streaming sub)
= 2500 as cost of living
+ 500 month for discretionary spending, holidays, gifts etc.
= 3000 total budget per month

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Currently recurring spending is 115k/year. That includes 50k in rent (Zürich city) and 30k in day care (1 kid), but excludes discretionary items - travel, eating out and other pay-for-play activities.

While day care will eventually disappear, extra “kid” costs will never go to zero I suppose. We’re probably looking at 9-10k per month after tax if we stay where we are.

I’m always puzzled when I see 100chf/m for clothing. Are you all buying underwear from calida?
:smiley:

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…or as it is called:

Putting your money where your stock is.

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Wow… looks like we have a fairly wide range of cost. Like 500 for food and eating out or 1’000 for renting; that won’t work for me at all. How do you live with 500 for food? Thats 15 francs a day? I hardly get a canteen lunch plus one coffee for 15 francs a day.

Obviously they’re not eating at the canteen nor do take out coffee then… :smile:

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Rent for a tiny 1-room appartment?

Add 500 to that for a nice appartment and we are right on the mark.

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Read it as “where your sock is”.

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1000chf/m for rent is doable, but you probably have to move away from big cities:

me too :smiley:

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Cook more the dinner before and bring it as a lunch in your tupperware…

which might be offset by higher transport cost and quality of life. I would certainly optimize for the latter (it is much cheaper not to need a car for instance)

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Cannot recommend this more. Meal prep is the way. Cook multiple meals at a time to save on time.
It‘s healthier anyway.

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What can I say? :woman_shrugging:t2:

Compared to other forum members that spend about CHF 35 per week (though I wouldn’t be surprised if that‘s 50 or so nowadays), I certainly allow myself to splurge a bit more.

Admittedly, my employer provides CHF 120 credit on a lunch check card each month. That can be easily substituted by cooking at home more often, when I have (more) time. Preparing a vegetarian meal costs less than CHF 5 per serving.

I just rent a newly built apartment (on the free market) for less than CHF 1000 a month and…

…it’s in one of the 20 most populous cities in Switzerland.

Got a bathroom with modern walk-in shower, own washing machine/dryer combo. Dishwasher, underfloor heating, electric windows blinds and large balcony. About 10 minutes to the town centre and main train station (by public transport), 5 minutes to take a relaxing walk in the forest.

PS: the currently commute/transport budget as mentioned above takes me to Zurich as well as Germany (for shopping). Certainly not locked in a small town wih nothing to do.

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Which city is that may I ask?

I have my guess and wonder if SF is going to tell.