Swiss salary calculator: gross to net

Estimate your net salary: AHV/IV/EO, unemployment insurance and pension fund with the 2026 figures, accident and daily sickness insurance adjustable.

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Your salary

Gross salary in francs

Amount is

13th month's salary

Age

Non-occupational accident in %

Daily sickness allowance in %

Pension fund

The rates for accident, daily sickness and pension fund are on your payslip.

Result

	per month	per year

Basis 2026

AHV/IV/EO: 5.3 % of gross salary (the employer pays the same on top). From reference age 65, 1,400 francs a month are exempt.
Unemployment insurance: 1.1 % up to 148,200 francs a year, nothing above. None from reference age.
Pension fund (BVG minimum): from 22,680 francs annual salary; coordinated salary = salary up to 90,720 minus 26,460, at least 3,780. Retirement credit 7 % (25–34), 10 % (35–44), 15 % (45–54), 18 % (55–65).
Non-occupational accident and daily sickness: rates depend on employer and insurer; no NBU under 8 hours a week.
Not included: withholding tax, family allowances, expenses and taxes.

Frequently asked questions

How accurate is the net salary?

AHV/IV/EO and unemployment insurance are fixed by law and are exact. Pension fund, non-occupational accident and daily sickness insurance are set by your employer; with the figures from your payslip the estimate becomes exact.

Why are taxes missing?

In Switzerland the employer does not deduct income tax, except for withholding tax (e.g. B permit). You pay taxes yourself later; they depend on your municipality, marital status and deductions.

What does «BVG minimum» mean?

The statutory minimum savings: 7 to 18 % of the coordinated salary depending on age, of which you pay at least half. Many pension funds charge more plus a risk contribution.

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