Calculators
Swiss net salary calculator
From gross to net with the 2026 social deductions – and what the job costs the company in total.
Indicative values without guarantee, 2026. For binding figures: your compensation fund or accountant.
Try free for 30 days →How it is calculated
Deducted are AHV/IV/EO (5.3 %), ALV (1.1 % up to CHF 148,200 per year), non-occupational accident (indicative 1.3 %), sickness benefit (0.5 %) and pension fund by age (7 / 10 / 15 / 18 % of the coordinated salary, split half-half). Withholding tax is not included.
Guide
How the net salary calculator works
The calculator takes the usual social security deductions off your gross salary. It uses these values:
| Deduction | Employee share 2026 | Based on |
|---|---|---|
| AHV/IV/EO (old-age, disability, income compensation) | 5.3% | whole salary |
| ALV (unemployment insurance) | 1.1% | salary up to CHF 148,200 a year |
| NBU (non-work accident insurance) | guide value 1.3% | depends on insurer |
| KTG (daily sickness allowance) | guide value 0.5% | depends on contract, often voluntary |
| BVG (pension fund) | half of the savings credit | coordinated salary, by age |
AHV, IV, EO and ALV are set by law and the same everywhere. NBU and KTG depend on the insurer, so they are guide values. You will find the exact rate in the policy or on your last payslip.
Withholding tax (Quellensteuer) is not included. It mainly affects foreign employees without a C permit, for example B, L or G permit holders, and depends on canton, marital status and children.
BVG 2026: coordinated salary and savings credits
The pension fund does not use your whole salary, but the coordinated salary: annual salary minus the coordination deduction. The 2026 thresholds are unchanged from 2025:
| BVG threshold | 2026 |
|---|---|
| Entry threshold (minimum annual salary) | CHF 22,680 |
| Coordination deduction | CHF 26,460 |
| Maximum insured annual salary | CHF 90,720 |
| Coordinated salary minimum / maximum | CHF 3,780 / CHF 64,260 |
Savings credits rise with age: 7% (25 to 34), 10% (35 to 44), 15% (45 to 54) and 18% (55 to 65). The employer pays at least half. Many pension funds insure more than the legal minimum. Your deduction is then higher, but so are your retirement savings.
Example 1: CHF 6,000 gross at age 40
An employee earns CHF 6,000 a month, 12 salaries, so CHF 72,000 a year. He is 40.
BVG: 72,000 − 26,460 = CHF 45,540 coordinated salary. 10% of that is CHF 4,554 a year; he pays half: CHF 2,277 a year or CHF 189.75 a month.
| Item | Rate | CHF per month |
|---|---|---|
| Gross salary | 6,000.00 | |
| AHV/IV/EO | 5.3% | − 318.00 |
| ALV | 1.1% | − 66.00 |
| NBU (assumed) | 1.3% | − 78.00 |
| KTG (assumed) | 0.5% | − 30.00 |
| BVG | ½ of 10% | − 189.75 |
| Net salary | 5,318.25 |
That leaves 88.6% of gross. With withholding tax, the amount paid out would be lower.
Examples 2 and 3: young and part-time
Young employee, 24, CHF 4,000 a month. Savings credits only start at 25. Until then, pension funds usually charge only a small risk contribution, which we leave out here.
- AHV/IV/EO 212.00, ALV 44.00, NBU 52.00, KTG 20.00
- Total deductions CHF 328.00, net CHF 3,672.00 (91.8%)
Part-time 80%, age 50, CHF 5,200 a month. Annual salary CHF 62,400, coordinated CHF 35,940. Savings credit 15% = CHF 5,391 a year, employee share CHF 224.63 a month.
- AHV/IV/EO 275.60, ALV 57.20, NBU 67.60, KTG 26.00, BVG 224.63
- Total deductions CHF 651.03, net CHF 4,548.97 (87.5%)
Note: some pension funds reduce the coordination deduction for part-time staff. The BVG deduction is then higher than in the example.
Net salary in five steps
To work out your net pay yourself or check a payslip:
- Set the gross salary: monthly salary with supplements, but without child allowances and expenses.
- Apply the percentages: 5.3% AHV/IV/EO and 1.1% ALV on gross, plus the NBU and KTG rates from your policy.
- Work out BVG: annual salary minus CHF 26,460, times the savings credit, divided by 2 and by 12. Or take the amount from your pension certificate.
- Deduct everything: gross minus all deductions gives net.
- Withholding tax and allowances: if it applies, deduct withholding tax using the cantonal tariff, then add child allowances and expenses.
If your payslip differs a lot, the reason is usually the pension fund rules or the insurance rates.
What does an employee cost the employer?
Employer contributions come on top of gross salary. For the first example (CHF 6,000 a month):
| Employer contribution | CHF per month |
|---|---|
| AHV/IV/EO 5.3% | 318.00 |
| ALV 1.1% | 66.00 |
| BVG, at least half | 189.75 |
| Family compensation fund (FAK) | depends on canton and fund |
| Occupational accident insurance (BU) | depends on industry and insurer |
| Admin costs of the compensation office | depends on the office |
The three fixed items alone come to CHF 573.75. The job therefore costs at least CHF 6,573.75 a month, plus FAK, BU and admin costs. As a rough rule, budget 15 to 20% on top of gross and check your insurers' rates.
For hourly pay, the hourly wage calculator adds the holiday supplement.
Payroll with Buchsnap instead of a spreadsheet
The calculator gives an estimate for one month. Real payroll needs a correct payslip every month and a salary certificate (Lohnausweis) at year end. With Buchsnap payroll:
- Buchsnap calculates AHV, ALV, accident insurance, KTG, BVG and child allowances with your own rates,
- deducts withholding tax using the official tariffs of all cantons,
- takes hours from time tracking for hourly staff,
- produces payslips and salary certificates as PDF and books everything in your accounts.
Payroll is included in the PRO plan (CHF 99 a month per company). Self-employed people can check their own contributions with the AHV calculator. All prices are on the pricing page. Try Buchsnap free for 30 days, with no credit card and no automatic renewal.
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