Take-home pay in Switzerland
Net in your account
CHF 6,783a month
CHF 81,401 a year
from CHF 100,000 gross
What happens to your CHF 100,000?
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Full calculation and sources
- Gross salaryCHF 100,000
Tax & contributions− CHF 12,000
- After tax & contributionsCHF 88,000
Mandatory pension− CHF 6,599
- Net in your accountCHF 81,401
The answer rests on
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What this calculator measures
The figure is what reaches your account after the Quellensteuer, the withholding tax a foreign employee without a C permit pays, and the employee contributions to AHV/IV/EO, unemployment insurance, non-occupational accident insurance and the BVG. The Quellensteuer comes from your canton's published tariff, which already folds in the average communal and cantonal rates, so choose the canton you will live in. The mandatory health premium is shown beside the result as the cantonal average, because your insurer charges it, not your employer.
What you receive now, and what accrues
AHV contributions build your old-age pension record, and the BVG builds pension capital in your name, paid in by you and your employer. Both appear as pension accruing beside the figure, never inside it. Unemployment and accident insurance cover you now and accrue nothing.
What this result assumes
- Single, no children
- Resident in Switzerland for the whole year
- Taxed at source, as a foreign employee without a C permit — not by ordinary assessment
- Tariff A0, without church tax. Jura publishes no church-tax-free tariff, so a Jura figure includes the parish tax
- Occupational pension at the rate for ages 25–34, and half of it paid by you
- Twelve equal monthly salaries. A thirteenth month is taxed in the month it is paid in 21 of the 26 cantons
- Accident insurance at the rate the withholding tariff assumes. Your employer’s insurer sets the real premium, so this line is an estimate
- Health premium is the cantonal average for 2025, the newest published per canton
What this model does not cover (14)
- EVERYTHING except the tax line. The tariff files are an authority oracle for the Quellensteuer and for nothing else: they publish a rate and a minimum, not a payslip. No case here checks AHV, IV, EO, ALV, NBUV, the BVG lines, net1 or the health premium.
- Ordinary assessment - the whole second pipeline. A C-permit holder, a Swiss national and anyone above their canton's income limit is assessed ordinarily and this model does not reach them. It is not a rate change; it is a different mechanism.
- Joint taxation. Switzerland taxes married couples jointly and the effect is larger than France's quotient familial. householdModes is ['single'], so anything else returns a typed unsupported rather than a wrong number.
- Church tax, except where it is unavoidable. A0N excludes it for 25 cantons; Jura publishes only A0Y, so Jura's figure includes the parish tax and says so.
- The thirteenth month under the Monatsmodell. Twenty-one cantons tax a bonus in the month it is paid, at that month's higher band; an annual model assuming twelve equal instalments cannot express that. Five cantons use the Jahresmodell, where the assumption holds.
- The NBUV rate. 1,00 % is the tariff's own assumption, taken from a cantonal Berechnungsgrundlagen; the real premium is set by the employer's insurer.
- The BVG age band and the employer/employee split. One band of four is modelled (25-34 at 7 %) because Inputs carries no age, and the statutory half is used because Art. 66 Abs. 1 makes it the employee's maximum. A pension fund's own rules may differ and no Swiss oracle shows a pension line at all.
- Ueberobligatorische BVG and Saeule 3a. Neither is modelled.
- The commune. The tariff embeds a weighted average communal multiplier, so a result is right for the canton and approximate for any particular commune in it.
- The Tarifkorrektur and the ordinary-assessment top-up. An employee above their canton's income limit must file, and the assessment can differ from the withholding in either direction.
- Wealth tax. Switzerland levies one and this models income only.
- The KVG premium's year. BAG's newest per-canton mean is the 2025 premium year; the 2026 national figure is 4,1 % higher and the cantonal figures are NOT uplifted to match, because applying a national rate to 26 published numbers would invent 26 numbers.
- Any annual rounding rule. Withholding is a monthly operation and no authority prescribes how to round an annualised figure, so every line is rounded to the centime by this spec's own choice.
- Salaries below 169 francs a year in ten cantons. AG, AR, GL, LU, NW, OW, SG, SH, SO and UR levy a Mindeststeuer whose tariff starts at a monthly Fr. 1.00, so between a gross of 1 and at most 168 - LU's 156-franc minimum plus its contributions - the authority's own rule would withhold more than exists. Those cases return a typed unsupported rather than a clamped number: clamping produced a net that drifted with the rounding and broke monotonicity. Every canton answers a gross of 0, and every canton answers every gross from 169 upwards.
Sources for Switzerland
The rules this page is built from, at the bodies that set them. Every figure in the breakdown above also opens its own source.
How this is worked out
Why does the canton matter so much?
Because income tax in Switzerland is mostly cantonal and communal. Each canton publishes its own withholding tariff, and the same salary can be taxed very differently in neighbouring cantons.
I have a C permit, or I am Swiss. Does this apply to me?
Not directly. Swiss citizens and C-permit holders are taxed by ordinary assessment, which works differently and is not modelled. The withholding result is a scenario for a foreign employee on another permit.
Why is the health premium not deducted?
Because every resident buys basic health insurance from an insurer of their choice and pays the premium themselves. The page shows the cantonal average beside the result, marked with its year.
My offer includes a thirteenth salary. What do I enter?
The annual total. The tariff taxes a thirteenth salary in the month it is paid in most cantons, which the annual figure here cannot show month by month.
Is the monthly figure a payslip prediction?
It is one twelfth of the annual net amount. Actual monthly payroll can vary with holiday allowance, bonuses and withholding rounding.
Does the city change the tax?
It depends on the country. Where a region, canton or municipality sets part of the income tax, the place you choose changes the result, and the picker offers those places for that reason. Where income tax is set nationally, the city makes no difference to the payroll figure.
Can I use this for self-employment or part-year residence?
Those cases are not modelled. The answer assumes an employee resident for the whole year, and each country's page lists the rest of what it assumes.
Found something wrong?
Tell us which number and we will check it against the source.