Swiss Net Salary Calculator

Plan take-home pay with AHV/IV/EO, unemployment insurance, occupational pension and accident insurance, then add the Swiss tax estimate that matches your canton/municipality or official withholding result. Built to avoid fake nationwide tax precision.

Income

Annual gross salary (CHF)

Bonus / taxable extras (CHF)

Salary payments per year

Basic health insurance (CHF / month, optional)

Swiss mandatory health insurance is usually paid separately rather than deducted from payroll. Enter it only if you want a disposable-income view.

Employee social deductions

AHV / IV / EO employee

ALV employee

Non-work accident rate (%)

Your annual BVG/pension deduction (CHF)

Other payroll deductions (CHF)

Age

BVG plans vary by employer and age. The tool shows the statutory 2026 entry threshold and coordinated-salary diagnostic, but uses your actual employee deduction for net pay.

Income tax method

How should tax be modeled?

Federal + canton + municipality effective rate (%)

Canton / location note

Why tax is user-supplied: Swiss income tax is not one national payroll percentage. Canton, municipality, civil status, church status, children and deductions can materially change the result. For precision, paste the annual tax or effective rate from the official canton/ESTV calculator or 2026 source-tax table.

Scenario lab

Alternative annual gross (CHF)

Target monthly net (CHF)

Estimated annual net—

Monthly net—

Total deductions—

After health insurance—

Alternative offer—

Gross needed for target net—

Uses the same effective tax assumption and payroll settings; a supplied annual tax amount is converted to its current effective rate for scenarios.

2026 BVG diagnostic

Mandatory-entry thresholdCHF 22,680

Coordination deductionCHF 26,460

Max mandatory insured salaryCHF 90,720

Calculated coordinated salary—