Wrong. Regardless of the type of permit the Gemeinde tax is calculated with the corresponding Steuerfuss for each Gemeinde. https://statistik.zh.ch/internet/jus...uerfuesse.html
If you are on tax at source, it is an average of the Kanton. That is what you pay and not separately City, Kanton and Bundes tax. Only with a C you pay that separately (City and Kanton and then Bundes tax)
OP, are you by any chance going to be working for a very large IT company?
95K (95K CHF = 82 EUR) in Dublin is not bad actually. Dublin is expensive but not as expensive as CH.
Cons of Dublin
High tax,
Inefficient public transport
Have to fly everywhere
Pros of Dublin
English speaking
Friendly people
Financially I would say 165K in CHF will give you a better quality of life as your disposable income will be worth a lot outside CH (On holiday etc)
We are taxed at source and we pay everything separately. Well we actually pay everything at source but it goes to different government bodies in the end and we get a summary of what was paid to each. Your Gemeinde matters regardless of your permit type.
If you look at the calculation in the following link, permit type is not a factor taken into account:
95K Euro = 95K Euro
No, you pay a lump sum every month and in the end it will be distributed to the according tax authorities. Only when you are on a C permit you will get separate bills
So in the end you pay the same amount of tax based on your gemeinde whether you pay it at source or afterwards. Separate bills or all together, isn't it the amount that counts?
What are we discussing here? The amount of tax you will pay or how you pay it?
That is an assumption though, the OP does not mention any currencies.
Guys you are wrong here. If you file a tax return, which means in simple terms you earn over 120k, regardless of permit, you pay the same amount of tax as the Swiss. With a B permit you pay withholding tax, but the overall tax you pay is the tax of the state, the canton, (in some cases the district) and the tax of the village. The surplus/deficit is calculated after you submit your tax return and you pay/receive the difference.
C permit means your payment modality is the same as the Swiss i.e. village dependent.
Hallelujah!
I wonder who made the title of this topic.
No, I am sorry!
I moved from Dublin to Zurich, albeit ten years ago, but I keep an eye on things back there so I've kept up to date. With regard to financial considerations.
Rent in Zurich city can expensive, but once you move out it drops dramatically. Same for Dublin, to the point that many rents there are comparable to Zurich. Difference however is that if you're commuting Dublin is a complete clusterf**k compared to Zurich, traffic is congested and public transport is a joke (and actually even more expensive than ZVV).
All health insurance is technically 'private' here, so while quite expensive, personally I treat it as a tax, because even in a country with public health insurance, you're ultimately still paying for it, one way or another. I won't comment on the quality of either system, other than to say that most in Ireland, who can afford it, will pay for private health insurance on top of the public system.
Switzerland is more expensive, but as others have said, when you also take into account salaries and taxes, you will generally end up saving more money in Switzerland on balance.
One caveat, however, is education. The Swiss system is good and free, but in German. So if your kid(s) are past a certain age, it may be difficult to integrating them into that environment, and while there are plenty of English-speaking international schools, they seem to cost in the 25k CHF p.a. range, while in Ireland, which also has free [1] education, even the private ones cost no more than about 5 - 12k CHF p.a. Given this is a big chunk of money, it should be a consideration.
[1] Even when free, you're still going be paying out for books, school uniforms, class trips, chess/drama/etc... not to mention the constant 'requests' for 'contributions' to the school.
The highest tax bracket is 40% in Ireland, not 31%. And on top of that you have compulsory pension and health insurance contribution. If you consider those, your "tax" bill is approximately 50% on everything higher than ~40k (married person)
After using:
https://neuvoo.ch/tax-calculator/Bas...dt,Basel-96000
or
https://www.ethz.ch/en/the-eth-zuric...alculator.html
I got different figures when calculating monthly net salary. Its always above 10k . What I'm missing here?
OP it would help to know more details about the offers e.g. health insurance included, pension contributions etc. Most large employers in Ireland will offer these plus a few other additional benefits. My last salary in Ireland was lower than your 95k offer and I still received an excellent health insurance package (included dependants), dental care, pension contributions etc. It might not make a large difference but something to consider nonetheless.
You also don't mention other details such as your nationality, whether your wife speaks English/German etc. that could help.
For calculating your tax in Ireland I've found http://services.deloitte.ie/tc/ to be the most accurate. Using this, selecting 'Married' and nothing else such as pension contributions, expected bonus etc. your 95k EUR salary works out as 62,249 EUR a year or 5187 EUR per month.
You don't mention where in Dublin the role would be or where you might want to live, so I would recommend looking at www.daft.ie for an idea of rent/buy costs for certain areas. Ireland has a far less stable rental market than Switzerland and prices - particularly in Dublin - are rising rapidly.
I moved from Dublin to Switzerland in the last 12 months having lived there all my life. So if you have more specific questions about Dublin I'd be happy to help. I don't live in Zurich so I can't help there but in general my quality of life is higher here vs. Dublin. The biggest difference for me was the lower effective tax rate here vs. Ireland and no CGT here (in certain circumstances) vs. Ireland which makes investing as means to build for your future much more attractive.
The weather between April-September vs. Dublin is also incomparable
I second the point about education.
The only thing I would be concerned about is if you have kids and they are say older than 8. Otherwise you are fine (they will cope and learn another language in the process).
I am sure Ireland is full of beautiful places, but I doubt they are so many and so accessible as they are in Switzerland. From something so basic as the public lake access... to dozens of ski resorts within driving distance from Zurich.
We love it.
check this:
https://www.expatica.com/ch/about/co...68.html#Zurich
... 24 percent more expensive than in London, so may be 30 percent more than dublin
95k Euro = 116K CHF * 1.3 = 151k Euro.
But it also depends on your life/business case, come to Zurich, stay some years, make as much money as possible, saving as much as possible and then return and set up your own business might make sense, but if you are already over 40 and plan to retire here you probably won't have enough funds to buy a house that you still can afford once you have retired... house prices are crazy expensive around Zurich.
There is some kind ofEnglish community in Zurich but some told me that you still feel like living in a parallel society.
By the way Zurich is the home of famous protestant Zwingli, so working hard, being frugal and stingy is quite usual here.
funny
we're leaving Dublin after 10 years, under similar circumstances money-wise.
I agree with most folks on this thread, and would also add that the health system seems to be far superior in Switzerland too.
I've experienced first-hand many times doctors being utterly unprepared prescribing antibiotics to anything they can't (or won't) understand.
Some experiences include:
- a doctor informally prescribing beer for mental health issues.
- Googling symptoms in front of us
- a doctor trying to persuade me that the pain I was feeling was just in my head, and sent me home (I had dislocated my shoulder at the gym)
- 6h waiting time on a ER to see a doctor (and be charged 200 EUR)
- 4h waiting time for a children's ER (and be charged 100 EUR)
I love Ireland and it will be part of us forever. We're leaving many friends behind. But the move is a no-brainer IMHO.