Cost of Living + Income & Cost Planning Worksheet

The salary looks good. Then you see what's left after deductions.

Working abroad changes your financial picture in ways most hygienists don't anticipate until they're already there. Tax classes, withholding systems, mandatory insurance, and a monthly-in-arrears pay cycle that means your first month abroad is funded entirely out of pocket — these are the details that determine whether a move makes financial sense, and they're rarely explained clearly before you sign.

This worksheet runs the real numbers before you commit.

What's inside:

• Germany's six Steuerklassen explained plainly — and what each one means for your take-home pay
• Switzerland's Quellensteuer withholding system and mandatory private health insurance costs
• Current cost of living reference tables for both countries
• Fill-in budget planners to map your expected salary against your actual costs before you accept an offer
• Monthly income and expense tracker with budgeted versus actual columns
• First month reality check on the monthly-in-arrears pay cycle

The underlying framework generally applies to any Western market where dental hygiene is practiced.

The PWB Bundle includes this worksheet plus everything else you need to make the move — for $97. → See the Bundle

This resource is licensed for individual use only and is not for redistribution.

This guide provides a framework and general information. It is not career advice, legal advice, or a guarantee of any outcome. Decisions about international employment are yours to make based on your own circumstances and research.