What is left of your gross salary — in Switzerland, in Germany or as a cross-border commuter? Pick a mode, enter your gross salary. 2026 figures.
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Free Website CheckHow much salary is left net from the gross? In Switzerland AHV/IV/EO (5.3%), ALV (1.1%), NBU and BVG are deducted; income tax is paid separately (except when subject to withholding tax). In Germany, social contributions plus income tax, solidarity surcharge and possibly church tax come straight off the salary. This salary calculator shows your net pay for both countries — and for cross-border commuters.
As a cross-border commuter you live in Germany and work in Switzerland — typical for the Upper Rhine region, Waldshut-Tiengen, Lörrach and the Basel area. This is how your net pay is made up:
From your Swiss gross salary, the Swiss social contributions are deducted first (AHV/IV/EO, ALV, NBU, BVG). Switzerland additionally withholds 4.5% withholding tax. Your income is, however, taxed in Germany under the German income tax tariff — the 4.5% Swiss withholding tax is credited against it. The cross-border mode above models exactly this chain and calculates your net pay in euros (with a CHF reference).
Important: the cross-border status (with 4.5% withholding tax) applies as long as you generally return to your German residence after work each day. With more than 60 work-related non-return days per year it no longer applies. The health-insurance option (Switzerland or Germany) is not included in the calculator — clarify this individually.
WEBINEX is based in Waldshut-Tiengen, right on the Swiss border — we know the cross-border situation from everyday life.
AHV/IV/EO 5.3%, ALV 1.1%, NBU around 1.2% plus age-dependent BVG contributions. Depending on age, roughly 83–88% of the gross salary remains — provided no withholding tax applies.
Only foreign nationals without a C permit who are resident in Switzerland. The employer deducts it directly; the rate depends on the canton and family situation (stored as a simplified fixed cantonal rate in the calculator).
The tax tariff follows the exact official §32a formula for 2026. The lump-sum provision allowance and tax classes V/VI are approximated — so the net pay is a very good estimate, but not a binding payslip.
Those who live in Germany and work in Switzerland pay the Swiss social contributions and 4.5% withholding tax; the income is taxed in Germany, with the withholding tax credited against it. The cross-border mode models exactly this.
The cross-border status under the Germany–Switzerland double taxation treaty applies as long as you generally return to your German residence after work each day. With more than 60 work-related non-return days per year it no longer applies — then a different taxation applies.
You have an option: statutory health insurance in Switzerland, or exemption and insurance in Germany (usually within 3 months of starting the job). This noticeably affects your net pay and is not modelled in the calculator — seek advice on it.
Select the "Cross-border commuter" mode above and enter your Swiss gross salary in CHF - the calculator deducts Swiss social contributions and the 4.5% withholding tax, then applies German income tax with credit. The result is your net amount in euros, with a CHF reference.
As a rule of thumb, cross-border commuters keep roughly 60-70% of their Swiss gross salary as net pay in euros, depending on tax class, church tax and canton. At CHF 6,500 gross that is roughly EUR 3,900-4,300 - the calculator above gives you the exact figure in seconds.
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