Swiss Salary Calculator Gross to Net 2027
How much of your gross salary do you actually get? We deduct AHV, IV, EO, unemployment insurance, accident insurance and your pension fund and show you how much of a pay rise reaches your account.
Enter the figures from your payslip (optional)
Without your figures we use example rates: non-occupational accident insurance 1.0% and daily sickness allowance 0.5%. We fill in the pension fund with the legal minimum for your age. With the figures from your payslip the result gets more precise.
How your gross salary is split
Per month, before tax.
| Item | Rate | Per month | Per year |
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Note: The calculator applies to employees in Switzerland and leaves out tax. If you pay withholding tax (Quellensteuer), as many expats do, your employer also deducts the tax from your salary. The pension fund is calculated with the legal minimum (BVG). Many pension funds ask for more and also charge risk contributions. Non-occupational accident insurance and daily sickness allowance depend on your industry and employer. Child and education allowances, expenses and special cases (such as people still working after 65) are not included. No tax or pension advice.
From gross salary to net salary
What the calculator deducts
- AHV, IV and EO: 5.3% of your whole salary, with no upper limit. That is old-age and survivors' insurance (AHV), disability insurance (IV) and loss of earnings insurance (EO). Your employer pays the same amount again.
- Unemployment insurance (ALV): 1.1% on your salary up to CHF 148'200 per year.
- Non-occupational accident insurance (NBU): depends on the industry, often between 1 and 2%. It applies if you work at least 8 hours a week for the same employer.
- Daily sickness allowance (KTG): voluntary for the employer, many share the premium with you.
- Pension fund (BVG): from an annual salary of CHF 23'040 (entry threshold). What is insured is the coordinated salary: your salary up to CHF 92'160 minus the coordination deduction of CHF 26'880. Depending on your age, 7, 10, 15 or 18% of it goes into your retirement savings, and your employer pays at least half.
Pay rise: what you keep
Social security deductions come off every pay rise first, around 7.5 to 8%. If the pension fund comes on top, it is more, but your retirement savings grow too. After that you also pay more tax on the higher salary. Enter the rise above to see the amount before tax.
Gross, net and what lands in your account
Your net salary is not your disposable income. You pay your health insurance yourself, and if you are taxed through a regular tax return, you pay your taxes later with the tax bill. Set some money aside for it every month. We explain how your payslip is built in the article Swiss salary deductions and line by line for the salary certificate (in German).
Frequently asked questions about net salary
What percentage is deducted from my gross salary?
Usually between 10 and 15%, depending on your age and your pension fund. Fixed are 5.3% for AHV, IV and EO and 1.1% for unemployment insurance. On top come accident insurance, daily sickness allowance and the pension fund. Tax is not included unless you pay withholding tax.
Do the deductions change in 2027?
The contribution rates for AHV, IV, EO and unemployment insurance stay the same. In the pension fund the limits go up: the entry threshold is CHF 23'040 in 2027 (2026: CHF 22'680), the coordination deduction CHF 26'880 (2026: CHF 26'460). If you earn little, you are insured a little later as a result.
Why do I pay more into my pension fund than the calculator shows?
The calculator uses the legal minimum. Many pension funds insure more of your salary, have higher savings contributions and also charge risk contributions for disability and death. Enter the deduction from your payslip under «Enter the figures from your payslip».
Above which salary do I stop paying unemployment insurance?
On the part of your salary above CHF 148'200 per year there is no unemployment insurance contribution. The solidarity contribution on higher salaries was abolished in 2023. AHV, IV and EO, on the other hand, apply to your whole salary.
What about the 13th-month salary?
The 13th-month salary has the same deductions as a normal monthly salary. The calculator spreads everything evenly across your salary payments and shows the net salary per payment.
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