Fixed costs calculator for Switzerland: what do your fixed costs come to per month and per year?
To work out your fixed costs for the month, enter each line with its amount, monthly or yearly: the calculator on this page turns them into a monthly and a yearly total and, with your net income, the share they take and what is left. For comparison, the average Swiss household (2.07 people) spent CHF 1'449 a month on housing and energy in 2023, CHF 689 on basic health insurance premiums and CHF 1'245 on taxes, with a gross income of CHF 10'341 (Federal Statistical Office, FSO). These are averages of all households, not a target.
Fixed-costs calculator
Enter your fixed costs, each per month or per year. The calculator adds up the monthly and the yearly total; with your net income it also shows the share of income and what is left.
The values you enter stay in your browser: the page does not send them and does not save them.
Your fixed costs
CHF 335 in 2026, CHF 312 from 1 January 2027.
Net monthly income, without the 13th salary.
Result
- Total per month
- CHF 0.00
- Total per year
- CHF 0.00
Enter at least one amount to see the totals.
With your net income you also see the share of income and what is left.
Swiss averages for comparison: see the table further down.
Rappn compares the current promotions of 7 Swiss retailers, updated daily: free, no subscription.
Track your groceries in Rappn, freeThe calculator on this page turns your fixed costs into a total per month and per year: you enter each line as it appears on the contract or bill, monthly or yearly, and add your net income if you want to see how much of it they take and what is left. For comparison, the Federal Statistical Office (FSO) measures, per household and on average for 2023, CHF 1'449 a month for housing and energy and CHF 689 for basic health insurance premiums.
Updated October 2026. Sources: FSO, Household Budget Survey 2023 (press release of 17 November 2025); Serafe AG (viewed on 21 October 2026).
How do you calculate your fixed costs for the month?
Fixed costs are recurring expenses that a contract or a law sets; the full list is in fixed costs in Switzerland. The calculator has one line per item and converts everything: it divides yearly amounts by 12 and multiplies monthly amounts by 12. It shows the monthly total, the yearly total, the largest line with its share of the total and, with your net monthly income, the share that fixed costs take and what is left. It adds up what you enter: it does not check whether the amounts are right and does not judge the result.
- Gather your documents: lease, policies, premium bills, phone and subscription contracts, Serafe invoice, last tax bill.
- Fill in one line per item with the amount on the document (1'234.50, 1234,50 and 1234.5 all work) and choose “per month” or “per year”.
- Skip the lines that do not apply to you; recurring costs with no matching line go under “Other”.
- Add your net monthly income if you want to.
- Read the results and redo the calculation if a contract changes.
The values you enter stay in your browser: the page does not send them and does not save them.
This is Rappn’s spending view: your groceries by category and by month, next to your own monthly average, the variable part that the fixed costs calculator leaves out.
Track your groceries in Rappn, freeFree, no subscription · iOS & Android
Your spending
Which lines should you enter, and where do you find the amounts?
| Line | Where to find the amount | Monthly or yearly |
|---|---|---|
| Net rent or mortgage interest | Lease; for owners, the bank’s interest statement | Rent: per month. Interest: as in the statement |
| Ancillary costs | Lease (advance payment or flat rate) and the last yearly statement | Advance or flat rate: per month |
| Electricity, if billed separately | Bill or advance payments from the energy supplier | As on the bill |
| Basic health insurance (whole household) | Policy or premium bill; add up the premiums of every insured person | Monthly premium |
| Supplementary health insurance | Policy and bill: a separate contract from the basic cover | Depends on the contract |
| Other insurance | Policies for household contents, personal liability and vehicle | Often per year |
| Internet, TV and phone | Contracts and bills from the provider | Usually per month |
| Serafe fee | Serafe invoice: CHF 335 in 2026 and CHF 312 from 1 January 2027 per private household | Per year |
| Public transport and fixed car costs | Invoice for the pass; for a car, vehicle tax, parking and leasing (insurance goes under “Other insurance”) | Depends on the item |
| Childcare | Contract or bills (nursery, after-school care) | Usually per month |
| Taxes (what you set aside) | Your own set-aside amount; to estimate it, see how much to save for taxes | As you set it aside |
| Subscriptions | Card statement, app-store charges, confirmation e-mails | Per month or per year |
| Loans and leasing | Credit or leasing contract | Instalment: per month |
| Other | Any other recurring cost that a contract sets (school fees, club dues) | Depends on the contract |
Groceries have no line: they are a variable cost and have their own grocery budget calculator.
Swiss averages for comparison
| Line (FSO average 2023) | CHF per month per household |
|---|---|
| Housing and energy | 1'449 |
| Basic health insurance premiums | 689 |
| Supplementary health insurance premiums | 142 |
| Other insurance | 156 |
| Communications (phone, internet, post) | 162 |
| Transport | 744 |
| Taxes | 1'245 |
| Gross income | 10'341 |
These are averages of all households, not a target. Your household may have more or fewer than 2.07 people. The FSO categories do not match the calculator lines: transport also includes buying vehicles, fuel and air tickets, and the radio and TV fee counts as leisure and culture, not communications. Gross income is before taxes, social contributions and basic premiums, so it is not the net figure you enter.
What do you do with your result?
Treat it as a starting point, not as a verdict.
- Compare it with your income. With your net income entered, the share and what is left are already in the result; for the rest of the month (groceries, variable costs, provisions, the 13th salary) there is the guide on how to make a budget, and the household budget template is ready to fill in.
- See where you can act: for the main lines, reducing fixed costs explains when and how.
- Mark the deadlines: the household deadlines calendar gathers the health insurance cancellation, the reference interest rate and the Serafe invoice.
Fixed costs and groceries: how do you keep track of both?
The first step needs no app: fill in the calculator with your documents. For groceries, which are variable and stay outside the fixed costs, you can use Rappn, a free Swiss app (iOS and Android) that compares the current promotions of seven Swiss retailers and turns receipts into a spending overview: you photograph a receipt, upload it from your gallery or enter a purchase by hand, and the app sorts your purchases into categories and shows your spending by month, next to your own monthly average. Rappn covers groceries only: the calculator on this page is not part of the app, and rent, insurance and taxes stay outside it. Rappn is building an AI assistant for groceries: you can join the waitlist.
Updated: .
Why Rappn?
Rappn is an independent grocery price comparison app in Switzerland, with no commercial agreements with any retailer. Our comparisons are truly independent.
- 100% free: no subscription, no hidden costs
- Neutral: no commercial agreements with Migros, Coop, Aldi, Lidl, Denner, Aligro, or Otto’s
- Updated daily, as soon as the chains publish their deals
- The chains’ deals in one place: search, filter, compare, no subscription
- Meal planner in the Kitchen tab: plan the week, send the ingredients to your list
Ready to save on groceries?
Install Rappn and compare for yourself this week. No account required.Scan the code, install Rappn and compare current offers. No account needed.
Frequently Asked Questions
What are the fixed costs of a household?
Fixed costs are recurring expenses of the same or almost the same amount that a contract or a law sets. In the calculator they are rent or mortgage interest, ancillary costs, electricity, health insurance, other insurance, internet and phone, Serafe, transport, childcare, taxes, subscriptions and instalments; groceries are variable. The full list with the FSO averages is in the guide to fixed costs in Switzerland.
How do I turn a yearly cost into a monthly one?
Divide the yearly amount by 12 (a quarterly amount by 3). The Serafe fee, for example, is CHF 335 a year in 2026: 335 ÷ 12 = CHF 27.92 a month (our calculation). In the calculator you do not need to: enter the yearly amount and choose “per year”.
Are taxes a fixed cost?
Yes: they come back every year and are set by law, and Budgetberatung Schweiz counts them among the fixed costs in its 2025/26 budget examples. The amount depends on income and canton, though: in the calculator the line is what you set aside, and the guide on how much to save for taxes explains how to estimate it.
Does the calculator save my data?
No. The values you enter stay in your browser: the page does not send them and does not save them.
Does Rappn calculate fixed costs?
No: Rappn helps you only with groceries, and the calculator on this page is not part of the app. Rappn is building an AI assistant for groceries: you can join the waitlist.