Swiss Salary Calculator 2026
Estimate your Swiss net salary in real time from your monthly gross. This tool accounts for AHV/AVS, ALV, BVG/LPP (rate by age), non-occupational UVG/LAA, and an approximation of cantonal plus federal income tax across 10+ cantons.
Swiss Salary Calculator 2026
Estimate your net salary in seconds based on 2026 rates.
CHF / month
BVG rate varies with age bracket.
Results
| Gross annual | CHF 104'000 |
| AHV / AVS (5.3%) | − CHF 5'512 |
| ALV / AC (1.1%) | − CHF 1'144 |
| BVG / LPP (7% total, employer matches half) | − CHF 2'714 |
| UVG / LAA (non-occ.) (~1.1%) | − CHF 1'144 |
| Estimated tax (~12.0%) | − CHF 11'218 |
| Net annual | CHF 82'268 |
| Net monthly | CHF 6'856 |
Estimates only. Actual social charges depend on your employer's pension plan, commune of residence, tax deductions and personal situation. For an exact calculation, consult your payslip or a tax advisor.
Official 2026 rates used by this calculator
These are the rates applied by the tool above. They match the federal scales in force for 2026.
| Contribution | Employee rate | Basis |
|---|---|---|
| AHV / IV / EO | 5.30% | No ceiling |
| ALV (unemployment) | 1.10% | Up to CHF 148,200/year, then 1% |
| BVG (2nd pillar) | 7% to 18% | By age, from CHF 22,680/year |
| Non-occupational UVG | 1.1% to 1.5% | If working more than 8 h/week |
| Withholding tax | 0% to 25% | Cross-border and B/L permit holders |
Employer contributions (AHV 5.30%, ALV 1.10%, occupational UVG 0.5 to 2%, family allowances) sit on top of the gross salary — they are not deducted from your pay.
BVG rates by age bracket
The total BVG rate is split at least equally between employer and employee. The insured salary is the annual salary minus the coordination deduction, set at CHF 26,460 in 2026.
| Age | Total rate | Employee share (minimum) |
|---|---|---|
| 25 to 34 | 7% | 3.5% |
| 35 to 44 | 10% | 5% |
| 45 to 54 | 15% | 7.5% |
| 55 to 65 | 18% | 9% |
What the canton changes in your net pay
Estimate for a single person aged 32, no children, 13th salary included.
| Monthly gross | Zurich | Geneva | Basel-Stadt |
|---|---|---|---|
| CHF 5,000 | ≈ CHF 4,250 | ≈ CHF 4,100 | ≈ CHF 4,200 |
| CHF 8,000 | ≈ CHF 6,140 | ≈ CHF 5,900 | ≈ CHF 6,080 |
| CHF 12,000 | ≈ CHF 9,800 | ≈ CHF 9,300 | ≈ CHF 9,600 |
The gap is almost entirely tax: social contributions are federal and identical across Switzerland.
Need the full guide?
Read our detailed article on Swiss social charges, the 13th salary and cantonal differences.
Read the full guideFAQ
How do you go from gross to net in Switzerland?
Mandatory social contributions are deducted from the gross salary — AHV/IV/EO at 5.30%, unemployment insurance at 1.10%, BVG by age bracket and non-occupational UVG — then, for cross-border workers and B/L permit holders, withholding tax. Swiss nationals and C permit holders are not taxed at source: they file an annual tax return instead.
Are contributions the same in every canton?
Yes. AHV, unemployment insurance and BVG are federal, so the rates are identical across Switzerland. Only tax varies by canton and even by municipality, which accounts for almost the entire net-pay gap between Zurich, Geneva and Basel.
What is the coordination deduction?
It is the portion of salary already covered by AHV, removed before the BVG calculation. It stands at CHF 26,460 in 2026, so your BVG contribution only applies to the annual salary above that amount.
How accurate is this calculator?
It provides a realistic estimate based on 2026 rates (AHV 5.3%, ALV 1.1%, BVG by age, UVG 1.1%). Cantonal tax is an approximation — actual tax depends on your commune, deductions and exact family situation.
Which cantons are covered?
The main Romandie and German-speaking cantons: ZH, GE, VD, BE, BS, LU, ZG, TI, SG, AG. Tax rates are weighted cantonal averages.
Is the 13th salary included?
Yes, included by default (checked box): annual gross is computed over 13 months. Uncheck the box to simulate a contract without a 13th salary.