Lowest national rent
€13,200
Germany - €1,100/mo
How much salary do you actually keep after rent and costs?
Single household, no children: compare net salary, rent, groceries and remaining income in one decision view.
Your scenario
CH - €98,000 -> €77,229 net
~€3,017 / month available
Decision
Switzerland leaves you with more after rent and everyday costs.
Switzerland currently leads this benchmark.
This is where salary turns into real remaining income.
Next step
Switzerland currently delivers the strongest result in the comparison.
Overview
This page compares each market at its own local median gross level. Switching the display currency refreshes the comparison data so the benchmark basis stays consistent. For health insurance, we assume US employers often fund a large part of the plan even though the employee share remains more visible. In Germany and Austria, both employer and employee health contributions already sit inside payroll deductions and therefore inside net income and tax burden.
Display currency
Control the salary basis
Comparison basis
Switch between local median gross and the same countries on your own gross salary.
Rent assumption
Choose whether housing should be read through national-average rent or an urban rent benchmark.
Lowest grocery basket
€78
Germany - weekly basket
Highest available income
€36,206
Switzerland
Lowest housing burden
32.6%
Austria
Compared countries
8 markets in the active benchmark
DEGermany
ATAustria
CHSwitzerland
USUSA
UKUnited Kingdom
IEIreland
CACanada
AUAustralia
All calculations on this page are based on the respective local median gross income of each country (Single, no children).
Most cost-of-living pages stop at price levels. This page asks the harder question: how much of your salary is actually left after tax, rent, groceries and, where needed, health costs outside payroll.
That makes the result far more useful for relocation, remote work and cross-border salary decisions because salary, net pay, everyday costs and remaining income sit in one decision model.
Cost ranking at a glance
These rankings surface the strongest cost anchors: lowest active rent, lowest grocery basket, highest available income and the cheapest lunch signal.
Lowest national rent
Germany
€13,200
(€1,100/mo)
Lowest grocery basket
Germany
€4,056
€338/mo equiv.
Highest available income
Switzerland
€36,206
after rent, grocery, health
Cheapest lunch signal
Germany
€15.00
Cheap lunch
Germany
Cost Focus
Net income at local median gross
Rank 8/8€36,534
Net income after deductions at local median gross
Available income after rent, grocery, health
Rank 7/8€19,278
after rent, grocery basket, external health insurance
National rent p.a.
Rank 1/8€13,200
(€1,100/mo)
Grocery basket p.a.
Rank 1/8€4,056
€338/mo equiv.
Health system cost p.a.
Rank 1/8Included in net
No extra annual premium in the single benchmark
Housing burden
Rank 5/836.1%
Austria
Cost Focus
Net income at local median gross
Rank 7/8€42,349
Net income after deductions at local median gross
Available income after rent, grocery, health
Rank 4/8€24,129
after rent, grocery basket, external health insurance
National rent p.a.
Rank 2/8€13,800
(€1,150/mo)
Grocery basket p.a.
Rank 2/8€4,420
€368/mo equiv.
Health system cost p.a.
Rank 2/8Included in net
No extra annual premium in the single benchmark
Housing burden
Rank 1/832.6%
Switzerland
Cost Focus
Net income at local median gross
Rank 1/8€77,229
Net income after deductions at local median gross
Available income after rent, grocery, health
Rank 1/8€36,206
after rent, grocery basket, external health insurance
National rent p.a.
Rank 8/8€26,400
(€2,200/mo)
Grocery basket p.a.
Rank 8/8€7,455
€621/mo equiv.
Health system cost p.a.
Rank 8/8€7,168
(€597/mo) paid outside payroll
Housing burden
Rank 2/834.2%
USA
Cost Focus
Net income at local median gross
Rank 2/8€54,274
Net income after deductions at local median gross
Available income after rent, grocery, health
Rank 5/8€23,557
after rent, grocery basket, external health insurance
National rent p.a.
Rank 6/8€19,200
(€1,600/mo)
Grocery basket p.a.
Rank 7/8€6,313
€526/mo equiv.
Health system cost p.a.
Rank 7/8€5,203
(€434/mo) paid outside payroll
Housing burden
Rank 3/835.4%
United Kingdom
Cost Focus
Net income at local median gross
Rank 6/8€46,577
Net income after deductions at local median gross
Available income after rent, grocery, health
Rank 6/8€22,560
after rent, grocery basket, external health insurance
National rent p.a.
Rank 5/8€18,000
(€1,500/mo)
Grocery basket p.a.
Rank 6/8€6,016
€501/mo equiv.
Health system cost p.a.
Rank 3/8Included in net
No extra annual premium in the single benchmark
Housing burden
Rank 7/838.6%
Ireland
Cost Focus
Net income at local median gross
Rank 3/8€50,227
Net income after deductions at local median gross
Available income after rent, grocery, health
Rank 8/8€19,007
after rent, grocery basket, external health insurance
National rent p.a.
Rank 7/8€24,000
(€2,000/mo)
Grocery basket p.a.
Rank 5/8€5,720
€477/mo equiv.
Health system cost p.a.
Rank 6/8€1,500
(€125/mo) paid outside payroll
Housing burden
Rank 8/847.8%
Canada
Cost Focus
Net income at local median gross
Rank 4/8€47,312
Net income after deductions at local median gross
Available income after rent, grocery, health
Rank 2/8€24,918
after rent, grocery basket, external health insurance
National rent p.a.
Rank 3/8€16,800
(€1,400/mo)
Grocery basket p.a.
Rank 4/8€5,594
€466/mo equiv.
Health system cost p.a.
Rank 4/8Included in net
No extra annual premium in the single benchmark
Housing burden
Rank 4/835.5%
Australia
Cost Focus
Net income at local median gross
Rank 5/8€46,963
Net income after deductions at local median gross
Available income after rent, grocery, health
Rank 3/8€24,177
after rent, grocery basket, external health insurance
National rent p.a.
Rank 4/8€17,400
(€1,450/mo)
Grocery basket p.a.
Rank 3/8€4,647
€387/mo equiv.
Health system cost p.a.
Rank 5/8€740
(€62/mo) paid outside payroll
Housing burden
Rank 6/837.1%
Country cost profile
This grouped chart shows net income after deductions at local median gross, national rent, grocery basket cost and the remaining available income for a single-person household in each country.
Available income = net income after all deductions minus national rent minus grocery basket minus external health insurance where that cost is not already included in net pay.
Affordability score matrix
This matrix shows two lenses: how much net income really survives, and how hard fixed costs push back. Health is already reflected through available income and cost pressure.
Overall affordability winner
Austria
Strongest balance of retained income and low cost pressure
Methodology
- Net Income already includes all payroll deductions, including taxes and social contributions.
- Available Income subtracts rent, grocery cost, and only extra health payments outside payroll.
- The Retention Ranking uses the real retained ratio of available income relative to net income.
- The Cost Pressure Score uses normalized raw values: 70% housing burden, 20% grocery burden, and 10% additional health cost outside payroll.
- The Overall Affordability Score uses normalized raw values: 70% retained ratio, 20% inverse housing burden, and 10% inverse grocery burden. Absolute available income only breaks ties.
| Country | Housing | Grocery | Retained | Cost pressure | Overall |
|---|---|---|---|---|---|
Austria Available income: €24,129 Health paid outside payroll: €0 | 32.6% of net income spent on housing | 10.4% of net income spent on groceries | 57.0% of net income kept | 95.2 lower is better | #197.6 · higher is better |
Germany Available income: €19,278 Health paid outside payroll: €0 | 36.1% of net income spent on housing | 11.1% of net income spent on groceries | 52.8% of net income kept | 74.8 lower is better | #275.5 · higher is better |
Canada Available income: €24,918 Health paid outside payroll: €0 | 35.5% of net income spent on housing | 11.8% of net income spent on groceries | 52.7% of net income kept | 73.3 lower is better | #373.8 · higher is better |
Australia Available income: €24,177 Health paid outside payroll: €740 | 37.1% of net income spent on housing | 9.9% of net income spent on groceries | 51.5% of net income kept | 76.3 lower is better | #473.3 · higher is better |
Switzerland Available income: €36,206 Health paid outside payroll: €7,168 | 34.2% of net income spent on housing | 9.7% of net income spent on groceries | 46.9% of net income kept | 83.0 lower is better | #560.9 · higher is better |
United Kingdom Available income: €22,560 Health paid outside payroll: €0 | 38.6% of net income spent on housing | 12.9% of net income spent on groceries | 48.4% of net income kept | 52.1 lower is better | #650.8 · higher is better |
USA Available income: €23,557 Health paid outside payroll: €5,203 | 35.4% of net income spent on housing | 11.6% of net income spent on groceries | 43.4% of net income kept | 65.0 lower is better | #740.6 · higher is better |
Ireland Available income: €19,007 Health paid outside payroll: €1,500 | 47.8% of net income spent on housing | 11.4% of net income spent on groceries | 37.8% of net income kept | 16.2 lower is better | #84.7 · higher is better |
Daily Life: Everyday price anchors
These editorial values serve as everyday price anchors. They are meant to complement, not replace, the main affordability metrics.
| Country | Cheap Lunch (EUR) | Cappuccino (EUR) | Grocery (Weekly) (EUR) | Big Mac (EUR) |
|---|---|---|---|---|
| Germany | €15.00 | €3.70 | €78.00 | €5.00 |
| Austria | €15.50 | €4.10 | €85.00 | €5.10 |
| Switzerland | €29.78 | €5.73 | €143.36 | €7.94 |
| USA | €17.34 | €4.60 | €121.41 | €5.03 |
| United Kingdom | €17.36 | €4.05 | €115.70 | €5.32 |
| Ireland | €19.00 | €3.80 | €110.00 | €5.30 |
| Canada | €15.82 | €3.35 | €107.57 | €4.68 |
| Australia | €15.41 | €3.33 | €89.36 | €5.05 |
Source: Obolus Editorial Benchmarks v1 (Daily Life Context)
Key questions for this topic
How is this different from a simple cost-of-living index?
A simple cost index only tells you what things cost. It does not tell you how much salary survives after tax, payroll deductions, rent and groceries. This page is built around that remaining-income question.
Are rent and grocery costs already included in the remaining-income view?
Yes. The page subtracts rent, grocery cost and, where relevant, health costs paid outside payroll from net income. The point is to show what is actually left to live on or save each month.
Can I switch between local median gross and my own salary here?
Yes. You can first read the local market through the median gross benchmark and then switch to your own salary to see how much would remain after rent and costs in the same countries.
What this page covers
- Shows what is actually left after rent and everyday costs, not just how expensive a country looks.
- Connects net salary, rent pressure, grocery cost and remaining income in one model.
- Works better for real relocation and salary decisions than a generic cost index.
Conclusion
Conclusion: this page matters because salary only becomes meaningful once the remaining income is visible. The strongest countries are not just cheap on paper, but leave more money after rent and everyday costs. Austria currently looks strongest on housing burden, while Canada leads on real purchasing power.
Related guides
Country Highlights
DE
World
Germany
Germany offers a strong social safety net and high job security, combined with solid infrastructure.
AT
World
Austria
Austria stands out with extremely high quality of life, cultural depth, and first-class healthcare.
CH
World
Switzerland
Switzerland is the world's leading location for high net incomes, political stability, and closeness to nature.
US
World
USA
The USA offers maximum career opportunities and high gross income, along with a high degree of self-responsibility.
UK
World
United Kingdom
The United Kingdom is a global financial hub with a strong, dynamic economy and excellent education.
IE
World
Ireland
Ireland convinces with a strong tech sector, attractive tax rates, and an open, high-growth culture.
CA
World
Canada
Canada is known for its quality of life, diversity, and a stable environment for families and professionals.
AU
World
Australia
Australia offers a first-class lifestyle, high wages, and a relaxed environment within a strong economy.