Calculate gross to net — AHV, IV, EO, ALV and all deductions at a glance. Updated for 2026.
Note: withholding tax and BVG are estimates. For exact calculations, contact your fiduciary or payroll specialist.
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Several social insurance contributions are deducted from a Swiss gross salary: AHV (state pension, 4.35%), IV (disability insurance, 0.7%), EO (income compensation, 0.25%) and ALV (unemployment insurance, 1.1%) — 6.4% in total, which the employer pays in again at the same rate. Added to this is the NBU (non-occupational accident insurance, around 1–2% depending on the insurer), which is usually paid by the employee.
From an annual salary of CHF 22’680, the occupational pension (BVG, pension fund) kicks in. The savings contributions rise with age: 7% (25–34), 10% (35–44), 15% (45–54) and 18% (55–65) on the coordinated salary — usually shared equally between employee and employer. Our calculator provides an estimate; the exact figures depend on your pension fund.
Foreign employees without a C permanent residence permit also pay withholding tax, with rates that depend heavily on canton, marital status and children. All values from this calculator are careful estimates — for binding payroll statements, contact your fiduciary.
AHV/IV/EO together 5.3%, ALV 1.1%, NBU around 1–2%, plus age-dependent BVG contributions and, where applicable, withholding tax. Depending on age and canton, roughly 80–87% of the gross salary remains.
On top of the gross salary, the employer pays another roughly 6.4% in social contributions plus the BVG share, occupational accident insurance and family allowance contributions — as a rule of thumb, about 110–120% of the gross salary.
The annual salary minus the coordination deduction (CHF 26’460) — BVG savings contributions are calculated only on this portion. Our calculator uses a simplified estimate.
Foreign employees without a C permit who are resident in Switzerland. The employer deducts it directly from the salary. The rate varies considerably by canton and family situation.
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