Gross-Net Salary Calculator 2026
Enter your gross salary — see your net salary instantly. Taxes in the next step.
Your details
Mandatory from age 25 – typically 5–12% per pay slip.
Non-binding estimates. Not tax or financial advice. Without guarantee — no substitute for individual professional advice.
Net salary after social deductions
Before income tax — this depends on canton and municipality
CHF 6’102 / month
Estimate · without guarantee
CHF 79’326 / year
+ CHF 6’102 in December as 13th month salary
Your employer pays 12 monthly salaries?
Deductions breakdown
| Gross salaryAnnual gross (13 × CHF 7’000) | CHF 91’000 |
| AHV/IV/EO5.3% | −CHF 4’823 |
| ALV (unemployment insurance)1.1% (max. CHF 148’200) | −CHF 1’001 |
| NBUV (non-occupational accident)~0.4% (max. CHF 148’200) | −CHF 364 |
| Net salary before pension/tax | CHF 84’812 |
| Pension fund (employee)~8.5% of coordinated salary — estimate | −CHF 5’486 |
| Net salary after social deductions | CHF 79’326 |
All calculations are non-binding estimates based on ESTV data 2026. Disclaimer →
How much tax do you pay? Use the tax calculator for all 26 cantons.
To tax calculatorHow much tax in your municipality?
Select your municipality — we'll show you the tax burden for your income of CHF 91’000.
How the Gross-Net Calculator Works
Enter your gross salary, your canton of residence and your municipality. The calculator automatically computes all mandatory deductions under Swiss law — AHV/IV/EO, ALV, non-occupational accident insurance (NBUV) and BVG pension contributions — and shows your net salary instantly. Income tax is calculated separately in the Tax Calculator, so you can understand both types of deductions separately.
Which Deductions Are Calculated? (2026)
In Switzerland, the following social insurance contributions are deducted from gross salary (employee share, as of 2026):
| Deduction | Rate (employee) |
|---|---|
| AHV / IV / EO | 5.3 % |
| ALV (Arbeitslosenversicherung) | 1.1 % |
| NBUV (Nichtberufsunfall) | ~0.4 % |
| BVG (Pensionskasse, Minimalplan) | variable |
BVG contributions vary by pension fund, age and coordinated salary. The calculation uses standard rates according to the BVG minimum plan.
Frequently Asked Questions About the Gross-Net Calculator
What is the difference between gross and net salary?
Gross salary is the contractually agreed salary before any deductions. Net salary is the money that arrives in your bank account — after deduction of AHV/IV/EO (5.3%), ALV (1.1%), NBUV and BVG. Income tax comes afterwards and depends heavily on your canton of residence.
Why does net salary differ by canton?
Social insurance deductions (AHV, ALV, NBUV) are identical across Switzerland. The biggest difference comes from income tax: two employees with an identical gross salary of CHF 80,000 can keep CHF 5,000–15,000 more or less per year depending on the canton. Use the cantonal comparison for your personal difference.
What does a 13th monthly salary mean for taxes?
A 13th monthly salary increases your annual income and thus potentially the tax progression. For the calculation, always enter the annual gross salary including the 13th month (monthly salary × 13).
Are self-employed people treated differently than employees?
Self-employed persons pay the full AHV rate (10.6%) without employer contribution. BVG contributions are voluntary, NBUV does not apply. Activate the 'Self-employed' toggle in the calculator to get the correct rates.
How much tax do you pay on your salary?
Compare all 26 cantons →