Household budget · Switzerland · 2023
10 341
CHF gross income per household and month, on average. CHF 124 089 a year.
Each part’s area is its share of gross income. Open a room to see what is inside.
Latest: BFS household budget survey (HABE) 2023, published 17.11.2025. Whole-household monthly means. Saving rises to CHF 1 736 with irregular income.
Open the houseSee it forLiving alone, under 65Couple with two childrenGeneva
Each starts from one answer and leads back into the house.
Swiss life · Household finances
Understand everyday finances in Switzerland through household income, prices and purchasing power. Start with a question, then explore the evidence.
01 Average disposable income
CHF 7 186
CHF per household per month
Switzerland · 2023
After taxes, social contributions and compulsory health insurance. Rent and everyday spending still come out of this amount.
FSO · Household Budget Survey (HABE)
02 Annual inflation
+0.2 %
change in the annual average CPI
Switzerland · 2025
The official price change for the whole Swiss consumer basket, compared with the previous year. Individual household costs can differ.
FSO · Consumer Price Index (CPI)
03 Real household income
+1.9 %
change from 2022 to 2023
Switzerland · 2022–2023
Disposable income adjusted with the official annual CPI. This is a household average, not a per-person amount.
RKS calculation · FSO HABE + CPI
The same survey follows the money from gross income to saving. Taxes and compulsory premiums are already deducted before disposable income; housing is part of consumption.
Switzerland · All private households · Average · 2023 · CHF per household per month
Part of consumption paid from disposable income
CHF 1 449
CHF per household per month · 2023
The national mean covers housing and energy for all private households, including different housing tenures. It is not a market rent, a rent-only measure or an average restricted to tenants.
Explore this part of the budgetAlready deducted before disposable income
CHF 689
CHF per household per month · 2023
The HABE amount is the premium expense for the whole household under the source’s basic-insurance category. It is not an advertised premium per adult and does not describe total healthcare costs, deductibles or co-payments.
Explore this part of the budgetAlready deducted before disposable income
CHF 1 245
CHF per household per month · 2023
This is the national HABE tax expense category for whole households. It is not a statutory tax rate, a tax calculator or a cantonal comparison; it cannot predict a particular household’s tax bill.
Explore this part of the budgetBalance after spending and irregular income
CHF 1 736
CHF per household per month · 2023
The HABE saving balance is income left after the recorded expenses, including irregular receipts. It is not a bank-account balance, a wealth stock or a median. Some households spend more than they receive.
Explore this part of the budget| How the budget adds up | CHF / month | Source cell |
|---|---|---|
| Gross income | 10 341 | 2022-2023!G30 |
| Social contributions | −1 062 | 2022-2023!G34 |
| Taxes | −1 245 | 2022-2023!G35 |
| Compulsory health premiums | −689 | 2022-2023!G36 |
| Transfers to other households | −159 | 2022-2023!G37 |
| Disposable income | 7 186 | 2022-2023!G40 |
| Consumption | −5 049 | 2022-2023!G48 |
| Other insurance, fees and transfers | −538 | 2022-2023!G43 |
| Irregular income | 136 | 2022-2023!G60 |
| Saving | 1 736 | 2022-2023!G63 |
Saving = disposable income − consumption − other insurance, fees and transfers + irregular income.
Housing and energy are included in consumption above. Do not subtract them again.
Amounts are displayed rounded. Calculations and downloads use the source precision.
Survey estimates in current prices. Household size and circumstances differ; these are not individual bills or a recommended budget.
Gaps in the income lines mark survey method changes. Inflation adjustment does not remove those breaks.
| Year | Average disposable income · CHF per household per month · current prices |
|---|---|
| 2015 | 6 521 |
| 2016 | 6 695 |
| 2017 | 6 657 |
| 2018 | 6 699 |
| 2019 | 6 601 |
| 2020 | 6 810 |
| 2021 | 6 704 |
| 2022 | 6 902 |
| 2023 | 7 186 |
The official price change for the whole Swiss consumer basket, compared with the previous year. Individual household costs can differ.
| Year | Annual inflation · % compared with the previous annual average |
|---|---|
| 2015 | −1.1 |
| 2016 | −0.4 |
| 2017 | 0.5 |
| 2018 | 0.9 |
| 2019 | 0.4 |
| 2020 | −0.7 |
| 2021 | 0.6 |
| 2022 | 2.8 |
| 2023 | 2.1 |
| 2024 | 1.1 |
| 2025 | 0.2 |
Earlier incomes are expressed in 2023 prices. 2023 is the latest year shared by income and complete annual CPI; its real and nominal amounts are equal by construction.
| Year | Average disposable income · CHF per household per month · 2023 prices |
|---|---|
| 2015 | 6 934 |
| 2016 | 7 149 |
| 2017 | 7 071 |
| 2018 | 7 047 |
| 2019 | 6 922 |
| 2020 | 7 194 |
| 2021 | 7 038 |
| 2022 | 7 051 |
| 2023 | 7 186 |
Sources checked 2026-10-30. Registered income and CPI sources are checked every six hours; each measure keeps its own observation year.
Search the original datasets or browse by subject below.
Swiss open data, explained
Charts and tables made from official Swiss open government data. Every page names its publisher, links the original file and says how often it is updated.
Searches all 16 516 datasets in the Swiss catalogue. Datasets without an RKS page open on opendata.swiss.
How many people live in Switzerland: the official year-end population since 1861, why it grows, every canton, Swiss and foreign nationals, and BFS scenarios to 2055.
How much electricity Switzerland produces each year from hydropower, nuclear, thermal plants and other renewables, 1970 to 2025. Chart and table from official FSO/SFOE data.
Weekly number of deaths in Switzerland since 2010 compared with the expected value, by age group, from the Federal Statistical Office mortality monitoring. Updated weekly.
How many public charging stations for electric cars Switzerland has, by month since November 2020 and by canton, with charging power classes. Official SFOE data.
The ten most registered fully electric (BEV) car models in Switzerland per year and per month, from the Swiss Federal Office of Energy. Updated monthly.
Built 2026-10-30 from the opendata.swiss catalogue.