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Switzerland is known as one of the most expensive countries in Europe – raising financial concerns among both residents and expats. High salaries are often offset by high expenses. Taking a closer look at everyday costs can help plan your finances more accurately.

What makes up the cost of living?

Cost of living refers to all recurring expenses required to maintain a standard lifestyle – including housing, energy, transportation, food, leisure, and healthcare.

According to current data, Swiss households spend on average around CHF 5,000 per month, with a significant portion going toward fixed costs like rent, energy, and transportation.

Different household types

• Single adults under 65 years: approximately CHF 3,350/month
• Couples without children: nearly double
• Families with children: higher costs accordingly

Where are the biggest expenses?

Housing and energy typically take up almost 30% of the budget. This is followed by transportation, food, leisure, and healthcare – all significantly impacting one’s standard of living.

Regional differences

• Zurich and Geneva: high rents and expensive dining
• Bern and Basel: slightly more affordable rents, but daily life remains costly

How does this help with planning?

For effective financial planning, it’s important to consider not only income but also realistic expenses. High Swiss wages may balance out high costs – but a personal budget strategy is essential for financial stability.