Precision Swiss salary calculations for professionals — accurate, private, instant.
Nettolohnrechner · Calculateur Salaire Net · Calcolatore Stipendio Netto
FAQ
In der Schweiz werden vom Bruttolohn automatisch Sozialversicherungsbeiträge abgezogen. Die AHV/IV/EO (5.3%) sichert Ihre Rente und Invalidenversicherung. Die ALV (1.1%) deckt die Arbeitslosenversicherung. Die Pensionskasse BVG (ab 7%) ist Ihre betriebliche Altersvorsorge.
En Suisse, plusieurs cotisations sociales sont déduites de votre salaire brut. L'AVS/AI/APG (5.3%) finance les retraites. L'AC (1.1%) couvre l'assurance-chômage. La LPP (dès 7%) constitue votre prévoyance professionnelle.
In Svizzera, dal salario lordo vengono dedotti automaticamente i contributi sociali. L'AVS/AI/IPG (5.3%) garantisce la previdenza. L'AD (1.1%) copre la disoccupazione. La LPP (dal 7%) è la previdenza professionale.
About SwissNetto
SwissNetto was built for international and Swiss professionals navigating the complexity of Swiss payroll. Switzerland's three-tier tax system — federal, cantonal, and communal — means your take-home pay can vary by tens of thousands of francs depending on where you live.
Our calculator covers the 10 most populated cantons, applies 2026 social insurance rates (AHV/IV/EO at 5.3%, ALV at 1.1%, BVG at 7%), and adjusts cantonal tax rates for civil status and children. All calculations run locally in your browser. We store zero data.
Switzerland mandates three layers of social insurance deductions from gross salary. The AHV (old-age and survivors insurance) protects retirement and dependants. The ALV (unemployment insurance) covers up to 80% of salary for 520 days. The BVG occupational pension builds a second-pillar retirement fund alongside your employer.
On top of these, cantonal income tax — Quellensteuer for foreign residents — varies from under 5% in Zug to over 13% in Basel-Stadt. Choosing your canton of residence is one of the most consequential financial decisions a professional in Switzerland can make.
Swiss Payroll Explained
AHV / IV / EO
5.3%
Old-age, disability and earnings compensation insurance. Employer matches your contribution. Builds your Swiss state pension entitlement.
ALV
1.1%
Unemployment insurance. Covers up to 80% of your insured salary for up to 520 days if you lose your job.
BVG / LPP
from 7%
Occupational pension — the 2nd pillar. Rate increases with age. Employer must match at minimum. Funds retirement, disability and death benefits.
Cantonal Tax
4%–13%
Quellensteuer (withholding tax) for foreign residents. Zug at 4% is the lowest; Basel-Stadt at 13% the highest among major cantons.
Canton Comparison · 2026
For a single professional earning CHF 150'000 gross, the difference between living in Zug versus Basel-Stadt amounts to over CHF 13'500 per year in cantonal tax alone — before accounting for communal multipliers.
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Frequently Asked Questions
SwissNetto uses the official 2026 social insurance contribution rates: AHV/IV/EO at 5.3%, ALV at 1.1%, and BVG at 7% (minimum coordinated contribution rate). Cantonal tax rates are estimated effective rates for Quellensteuer filers. For complex situations — self-employment, multiple income sources, or voluntary tax return filing — consult a Swiss tax advisor.
Quellensteuer is Swiss withholding tax deducted directly from the gross salary of foreign residents who hold a B or L permit and are not married to a Swiss citizen or C-permit holder. The tax is calculated and remitted to the cantonal tax authority by the employer. Residents whose gross annual income exceeds CHF 120'000 must file a supplementary ordinary tax return (nachträgliche ordentliche Veranlagung).
AHV (Alters- und Hinterlassenenversicherung) is the first pillar of the Swiss pension system — mandatory state retirement and survivors insurance. ALV (Arbeitslosenversicherung) is unemployment insurance, capped at a salary of CHF 148'200. BVG (Berufliche Vorsorge) is the second pillar — occupational pension — contributions to which are shared between you and your employer and accumulate in a personal pension account.
Significantly. A single professional earning CHF 200'000 gross pays roughly CHF 8'000 in cantonal tax in Zug (4%) versus CHF 26'000 in Basel-Stadt (13%) — a gap of CHF 18'000 per year for the same gross salary. Communal multipliers within cantons create further variation: moving within the same canton can shift your bill by CHF 3'000–8'000 annually.
No. All calculations run entirely in your browser using JavaScript. No salary figures, calculation results, or personal data are transmitted to any server or stored anywhere. SwissNetto has no backend database.
SwissNetto is an independent information service. Results are estimates based on 2026 statutory rates and do not constitute personalised tax or legal advice. Effective rates vary by commune, individual circumstances, and applicable collective agreements. Always verify with your cantonal tax authority or a qualified Swiss tax advisor.