Cost of Living + Income & Cost Planning Worksheet

A financial planning resource for dental hygienists seriously considering a move to Germany or Switzerland. Covers how deductions work in each country — including Germany's six Steuerklassen explained plainly, and Switzerland's Quellensteuer withholding system and mandatory private health insurance — with current cost of living reference tables for both countries and fill-in budget planners so you can map your expected salary against your actual costs before you accept an offer. Also includes a monthly income and expense tracker with budgeted versus actual columns, and a first month reality check on the monthly-in-arrears pay cycle that catches most people off guard. The underlying framework applies to any Western market where dental hygiene is practiced.

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.