Obwalden, a picturesque Central Swiss canton, offers professionals low taxes and affordable living surrounded by Alpine scenery. This assessment calculates your expected monthly expenses. With competitive tax rates and housing costs well below Lucerne or Zug, Obwalden is ideal for those seeking maximum savings in a natural setting.
Real calculator output for a single professional in Obwalden
Based on real Swiss cantonal tax logic, housing indices, and mandatory health insurance baselines.
| Category | Monthly Amount | Context |
|---|---|---|
| Gross Monthly Salary | CHF 10’000 | Base salary input for single |
| Taxes (cantonal & federal) | −CHF 1’600to−CHF 2’500 | Canton Obwalden: 16%–25% rate |
| Rent (city center) | −CHF 1’190 | Obwalden market rate (1-bedroom) |
| Health Insurance | −CHF 335 | Obwalden base premium |
| Food & Groceries | −CHF 353 | Local price index × 1 occupants |
| Transport | −CHF 58 | Obwalden public transport pass |
| Utilities | −CHF 150 | Adjusted for 1 occupants |
| Lifestyle | −CHF 460 | Medium tier × Obwalden multiplier |
| Estimated Monthly Savings | CHF 4’954toCHF 5’854 | Net after all deductions |
Small changes in rent or tax canton can shift monthly savings by several hundred CHF.
Example Scenario: A professional earning CHF 10’000/month in Obwalden retains approximately CHF 4’954–5’854 after all expenses. The same salary in Zürich would retain CHF 3’194–4’194 — Obwalden offers CHF 1’710/month more (CHF 20’520/year).
Understanding what makes Obwalden unique helps you evaluate if it's the right fit for your relocation.
Compared to Zürich, Obwalden offers approximately CHF 1’710 higher monthly savings at the same gross salary. Compared to Genève, housing is lower but overall savings remain stronger.
For professionals weighing Obwalden against Swiss Average, Obwalden delivers a stronger after-tax position—up to CHF 475 less in monthly taxes. This makes Obwalden the rational choice for income-focused relocators.
Obwalden vs Swiss Average housing: Obwalden enables CHF 88/month in housing savings compared to Swiss Average. This positions singles to save more while maintaining urban convenience.
Canton Obwalden vs Swiss Average: lower premiums than Swiss Average (CHF 335 vs CHF 383 base). Selecting the right plan tier within the canton structure directly impacts monthly budget.
Obwalden vs Swiss average: lower food costs than Swiss Average (100% vs 101% of baseline). While individual purchases differ modestly, cumulative grocery and dining expenses add CHF 50–150/month variance between Swiss cities.
Obwalden vs Swiss Average: lower transport costs than Swiss Average (CHF 58 vs CHF 67). With excellent Swiss public transit, most professionals avoid car ownership—a decision that saves CHF 500–800/month versus driving.
Obwalden vs Swiss Average: lower entertainment costs than Swiss Average (1.00× vs 1.02× multiplier). Professionals choosing Obwalden for savings can reallocate CHF 667/month toward lifestyle upgrades or accelerated wealth building.
See how changing city, salary, and household type impacts your real monthly savings.
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