Swiss salary calculator 2026
Work out your net salary in seconds: all social-security contributions — AHV, IV, EO, ALV, NBU and BVG — broken down transparently, with the official 2026 rates.
| Deduction | Rate | Amount / year |
|---|---|---|
| AHV / IV / EO (social security) | 5.3% | CHF 4'478.50 |
| ALV (unemployment insurance) | 1.1% | CHF 929.50 |
| NBU (non-occupational accident) | 1.4% | CHF 1'183.00 |
| BVG (occupational pension) | 5.0% | CHF 2'902.00 |
| Total deductions | CHF 9'493.00 | |
| Gross salary per year | CHF 84'500.00 |
Coordinated salary for the BVG calculation: CHF 58'040.00.
The net salary is before income tax. In Switzerland, tax is not deducted from the salary for Swiss citizens and C-permit holders, but assessed separately. A withholding-tax calculator will follow.
Why your net salary matters
The gross salary is in your contract — but you can only spend the net. Between the two sit the social-insurance contributions, and anyone comparing two offers, negotiating a raise or planning a household budget needs the figure after deductions. That is exactly the gap the salary calculator closes: it makes transparent how much of every pay rise actually reaches your account — and why two people on the same gross salary take home different amounts depending on their age.
How the calculation works
The calculator deducts the statutory employee contributions from the gross annual salary. These rates are federal and identical in every canton. Decisive for 2026:
| Contribution | Rate (employee) | Basis |
|---|---|---|
| AHV / IV / EO | 5.3% | entire gross salary |
| ALV | 1.1% | up to CHF 148'200 / year |
| NBU (non-occupational accident) | employer-dependent | up to CHF 148'200 / year |
| BVG (pension fund) | 7–18% × 50%, by age | coordinated salary |
Worked example step by step
Gross salary CHF 100'000 per year, age 40, NBU rate 1.4%:
- AHV/IV/EO: CHF 100'000 × 5.3% = CHF 5'300
- ALV: CHF 100'000 × 1.1% = CHF 1'100
- NBU: CHF 100'000 × 1.4% = CHF 1'400
- BVG: coordinated salary CHF 64'260 (maximum) × 10% × 50% = CHF 3'213
- Total deductions: CHF 11'013 → net salary CHF 88'987 per year
Deciding smartly: what to watch for
- Compare net, not gross: two jobs on the same gross salary can differ noticeably in net — for example if a pension fund insures above the minimum. Ask about the BVG regulations and the NBU rate during the hiring process.
- Income tax comes separately: the net here is before tax. For Swiss nationals and C-permit holders, income tax is not deducted from salary but assessed annually — budget for it separately and compare it in the cantonal tax comparison.
- The BVG deduction grows with age: at the 35, 45 and 55 steps the rate rises — your net dips slightly then (see pension fund & BVG explained).
- Optimise taxes: a contribution to pillar 3a lowers taxable income. Paid by the hour? The hourly wage calculator converts monthly and hourly pay, vacation compensation and 13th month salary included.
Frequently asked questions
What is the difference between gross and net salary?
The gross salary is the agreed salary before deductions. The net salary is what is paid out after the social-security contributions (AHV/IV/EO, ALV, NBU, BVG) have been deducted. Income tax is not yet included: it is assessed separately.
Which deductions are taken from the gross salary?
From the gross salary are deducted: AHV/IV/EO (5.3%), ALV (1.1% up to CHF 148’200), non-occupational accident insurance NBU (depending on the employer) and the BVG pension-fund contribution (depending on age, on the coordinated salary). These rates are the same throughout Switzerland.
Is income tax deducted from the salary?
For Swiss citizens and C-permit holders, no: they pay tax separately via the annual assessment. Only people taxed at source have the tax deducted directly from their salary.
How high are the AHV/IV/EO contributions in 2026?
The total contribution is 10.6%, split in half: employees pay 5.3% of the gross salary, with no upper limit. The rate is unchanged despite the introduction of the 13th AHV pension, which is financed through VAT rather than payroll contributions.
How does the BVG (pension fund) deduction work?
The BVG retirement credit is calculated on the coordinated salary — the gross salary minus the coordination deduction (CHF 26’460), capped between CHF 3’780 and CHF 64’260. The rate rises with age (7% to 18%) and is paid at least half by the employee.
Other calculators
- Cantonal tax comparison (26 cantons)
Where do you pay the least income tax?
- Pillar 3a calculator
Your tax saving from pillar 3a.
Sources:AHV/IV/EO,BVG values 2026. Methodology: methodology ·all sources.
Last updated: 13.07.2026 · 2026 data