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Swiss salary calculator

What do you actually
take home in Switzerland?

Enter your gross salary and see your net take-home pay after all mandatory Swiss deductions — AHV, ALV, pension fund, and cantonal income tax. Updated for 2025.

Your salary
CHF
Your salary before any deductions
Used for cantonal & municipal income tax estimate
Affects AHV rate and pension fund contributions
Affects cantonal tax deductions
Around 0.1–0.3% of income in most cantons
If your gross already includes the 13th month, select Included
Monthly take-home pay
CHF 0
Gross monthly
CHF 0
Total deductions
CHF 0
Effective tax rate
0%
Income tax only
Item Rate Monthly Annual
Gross salary — — —
Social insurance deductions
AHV/IV/EO (state pension & disability) — — —
ALV (unemployment insurance) — — —
NBUV (accident insurance, non-occupational) — — —
Pension fund / BVG (Pillar 2) — — —
Total social insurance — — —
Income tax deductions
Federal income tax (direct federal tax) — — —
Cantonal & municipal income tax (estimate) — — —
Church tax (estimate) — — —
Total income tax — — —
Net take-home pay — — —
Important notes on these estimates
Cantonal and municipal tax figures are approximations based on 2024 published rates for a single person in the cantonal capital, using standard deductions. Actual tax bills depend on your municipality, full deduction profile, and individual circumstances. The pension fund (BVG/Pillar 2) contribution is estimated based on your age bracket — actual rates vary by employer and fund. This calculator does not account for health insurance premiums, which are paid separately in Switzerland. Results are for guidance only and do not constitute financial or tax advice.
✅ Federal rates 2025 ✅ AHV/ALV 2025 rates ⚠️ Cantonal tax estimated ⚠️ Pension fund estimated
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Example outputs
What the Gross to Net Calculator shows
Inputs
CHF 100,000 gross · Zurich · Single · Age 35
Monthly take-home
CHF 5,820
Inputs
CHF 150,000 gross · Zug · Married (2 incomes) · Age 40
Monthly take-home
CHF 9,640
Inputs
CHF 80,000 gross · Geneva · Single · Age 28
Monthly take-home
CHF 4,510
Key insight
Typical total deductions on CHF 100,000 gross in Zurich (AHV + ALV + pension + tax)
Effective deduction rate
~30%
Cantonal and municipal tax figures are estimates based on 2024 published rates. Actual net pay depends on your municipality, full deduction profile, and employer. Health insurance premiums are not included and are paid separately in Switzerland.