Gross to net salary Switzerland 2026

Every deduction with its source

With a gross salary of CHF 6,000 a month you keep CHF 5'416.76 after AHV, unemployment insurance and pension fund (age 30, twelve salaries, estimated pension fund). Income tax and health insurance are not deducted yet. Try your own salary. Every rate used is cited below with its source.

Your payslip, line by line

Take a payslip of CHF 6,000 gross and go through the deductions one by one. For each line: the rate, where it comes from, and what is taken off in the end.

AHV/IV/EO: 5.3 % of your salary

5.3 % of your salary goes to AHV (old-age and survivors' insurance), IV (disability insurance) and EO (loss-of-earnings allowance). Your employer pays another 5.3 %, for a total of 10.6 %: 8.7 % for AHV, 1.4 % for IV and 0.5 % for EO (leaflet 2.01, as of 1 January 2026, item 3). On CHF 6,000 that is CHF 318.00. The rate applies regardless of salary level, also above CHF 148,200.

Unemployment insurance: 1.1 % up to CHF 148,200

For unemployment insurance (ALV) you pay 1.1 % of your salary. The total is 2.2 %, split evenly between you and your employer (leaflet 2.08, in German, items 1 and 2). The rate only applies up to an annual salary of CHF 148,200, which is CHF 12,350 a month. With twelve salaries this line therefore cannot exceed CHF 135.85 a month. At CHF 6,000 it is CHF 66.00.

Pension fund (BVG): the line that varies most from one payslip to another

This is the line where our calculation is most likely to differ from your payslip. The law sets only a minimum, and many funds do better. We only know the minimum.

Not your whole salary is insured. The law deducts CHF 26,460 from the annual salary (coordination deduction) and insures the rest, at most CHF 64,260 and at least CHF 3,780. You also need an annual salary above CHF 22,680 (entry threshold), otherwise you are not compulsorily insured (Federal Social Insurance Office, reference figures, 2026 values). On this coordinated salary the fund applies an old-age credit: 7 % from age 25 to 34, 10 % from 35 to 44, 15 % from 45 to 54, 18 % from 55.

For CHF 6,000 a month and age 30: annual salary 72,000, coordinated salary 45,540, credit of 7 %, which is CHF 3,187.80 a year. We add a risk contribution of 3.5 % of the coordinated salary, CHF 1,593.90. That makes CHF 4,781.70, of which we assume you pay half: CHF 2,390.85 a year, or CHF 199.24 a month.

This is an estimate, not your contract. Your fund may deduct less or more. In the calculator you can enter the amount you really pay, in francs per month, as a percentage of the coordinated salary or as a percentage of gross salary. Below age 25 only the risk is insured, so the calculator counts only the estimated risk contribution.

Accidents and daily sickness allowance: depends on the employer

Two lines escape us because they differ from one employer to the next. The premium for non-occupational accident insurance may be deducted from your salary, while occupational accident insurance is paid by the employer. Daily sickness allowance insurance is optional and its premium may be split in half. The rates that concern you are on your payslip. Enter them in the calculator. Without input the two lines stay empty.

What this net salary does not include

The amount above is the salary after social deductions. It does not include income tax of the Confederation, canton and municipality or church tax. If you are taxed at source (foreign nationals without a C permit), you can switch on the source tax option in the calculator. Health insurance is not deducted either: in Switzerland you pay the premium yourself, directly to the insurer. Family allowances and bonuses are not counted. The calculator is valid from age 18 to 64.

For taxes and health insurance by canton we have a separate comparison with official figures, in German and French: German version · French version. If you work in Switzerland as a cross-border commuter, the rules of the Federal Tax Administration apply: estv.admin.ch.

Source tax: if you are taxed at source

Anyone who lives in Switzerland without a settlement permit (C permit) is taxed at source: the employer deducts income tax directly from the salary. The same applies to people without tax residence in Switzerland who earn income here, for example cross-border commuters (Federal Tax Administration, source tax, in German).

The tariff depends on the canton and is called a tariff code: a letter, the number of children and a code for church tax. A stands for single, B for married with one income, C for married with two incomes and H for single with children in the household. B2N therefore means: married, one income, two children, without church tax (Y would be with church tax) (Federal Tax Administration, structure of the tariffs, in German).

Tick "I am taxed at source" in the calculator above and choose your canton of residence, tariff, number of children and church tax. The calculator reads the rate in the official 2026 tariff of the Federal Tax Administration for your monthly salary and deducts it on top of the social deductions: rate times gross salary, at least the canton's minimum tax if there is one. Cross-border commuter tariffs, bonuses and special cases are not included. With 13 salaries we calculate on the salary of each payment.

The tariffs assume standard deductions (federal calculation bases 2026, in German). If your situation differs, a subsequent ordinary assessment is possible in certain cases. The Federal Tax Administration gives the refund of withholding tax and the deduction of pillar 3a contributions as examples. The request must be filed by 31 March of the year after the payment falls due, a deadline that cannot be extended. On the salary certificate the source tax appears under item 12 (in German).

Examples: gross to net for common salaries

For all examples: age 30, twelve salaries, estimated pension fund (old-age credit plus 3.5 % risk contribution, of which you pay half).

From CHF 7,560 a month the pension line stops growing, because the coordinated salary is capped at CHF 64,260.

One case shows what changes at the same salary: at age 45 instead of 30 the pension fund rises to CHF 351.04 for CHF 6,000 and the net drops to CHF 5'264.96.

How we calculate and where the figures come from

All rates come from leaflets of the AHV compensation offices (ahv-iv.ch) and tables of the Federal Social Insurance Office (FSIO) for 2026. We checked them on 9 November 2026 and recheck them every January. The calculator is covered by automated tests whose expected values were computed by hand.

All rates and thresholds 2026 at a glance

Glossary: the abbreviations on your payslip (German, French, Italian)

AHV / AVS

Old-age and survivors' insurance (first pillar). Counted together with IV and EO: 5.3 % for the employee.

IV / AI

Disability insurance.

EO / APG / IPG

Loss-of-earnings allowance (for military service, maternity and similar).

ALV / AC / AD

Unemployment insurance: 1.1 % up to an annual salary of CHF 148,200.

BVG / LPP

Occupational pension (second pillar), the "Pensionskasse". Compulsory for an annual salary above CHF 22,680.

Coordinated salary / koordinierter Lohn

The part of the annual salary insured in the pension fund: annual salary minus CHF 26,460, at least CHF 3,780 and at most CHF 64,260.

NBU / NBUV / AANP

Non-occupational accident insurance. The premium may be charged to the employee. Anyone working at least eight hours a week for one employer is also insured against non-occupational accidents.

KTG / IJM

Daily sickness allowance insurance: optional, premium may be split between employer and employee.

QST / source tax

Tax at source, deducted by the employer from foreign nationals without a C permit. Not calculated here.

Frequently asked questions

Read more

• Net after taxes and health insurance: the cantons compared (German) or in French: what remains at the same salary in the 26 cantons, with official tax and health insurance figures.
• Disclaimer: what the figures can and cannot do.

Sources and date

• AHV/IV/EO: leaflet 2.01, as of 1 January 2026
• Unemployment insurance: leaflet 2.08 (German) and FSIO guide for SMEs, as of 1 January 2026 (German)
• Pension fund: FSIO, reference figures of occupational pensions, 2026 values

Rates checked on 9 November 2026. We recheck them every January.

The results are an orientation, not a payslip and not tax or legal advice. Disclaimer.

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