Free tools
Net salary calculator for Switzerland
Enter your gross salary, monthly or annual: the calculator deducts AHV/IV/EO, unemployment, non-occupational accident insurance and pension fund, and shows the net per month and per year, with 12 or 13 salaries. If you pay withholding tax, the rate from the cantonal table is all you need; for cross-border workers from Italy there is the net in euros and, for new cross-border workers, an estimate of Italian taxes.
- 2026 contributions: AHV/IV/EO 5.3 %, ALV 1.1 %, non-occupational accident
- Legal minimum pension fund by age, or the amount on your payslip
- 12 or 13 salaries, gross monthly or annual
- Withholding tax at the rate of the cantonal table
- Cross-border workers from Italy, new and existing, net in euros
- Estimated Italian IRPEF for new cross-border workers, with allowance and tax credit
How to calculate your net salary in three steps
- 1
Choose your case
Swiss or C permit, withholding tax (B and L permits) or cross-border worker from Italy.
- 2
Enter the gross
Monthly or annual, with 12 or 13 salaries; choose your age for the pension fund.
- 3
Read the net
Per month and per year, item by item. Download the PDF to keep it or compare two job offers.
Your data stays yours
The calculation runs in your browser. The page sends no data to any server, not even to Lema: its security policy (CSP) prevents it. The last calculation is saved only in this browser; you can delete it with the Data button.
Frequently asked questions
How much is deducted from a salary in Switzerland? +
Usually 12 to 16 % of the gross: 5.3 % AHV/IV/EO, 1.1 % unemployment up to CHF 148,200 a year, non-occupational accident insurance (about 1–2 %) and the pension fund, which grows with age. People taxed at source also have the withholding tax deducted.
How is the minimum pension fund contribution calculated? +
On the coordinated salary: annual salary up to CHF 90,720 minus the coordination deduction of CHF 26,460 (at least CHF 3,780). The retirement credit is 7, 10, 15 or 18 % depending on age: the employer pays at least half, the employee at most half. Below CHF 22,680 a year the pension fund is not mandatory.
Where do I find my withholding tax rate? +
In the table of the canton where you work, by tariff (marital status, children, second income) and income. The readable tables are published by the cantonal tax administrations: the Federal Tax Administration lists the link for each canton. Cross-border workers from Italy use the tables of Ticino, Graubünden or Valais: R, S, T and U for new ones (already at 80 %), A, B, C and H for existing ones. If you already have a payslip, the rate is printed there.
What is the difference between new and existing cross-border workers? +
Under the agreement in force since 17 July 2023, people who became cross-border workers from that date pay 80 % of the withholding tax in Switzerland and also declare their income in Italy, with a EUR 10,000 allowance and a credit for the Swiss tax. Existing cross-border workers pay only in Switzerland.
How accurate is the Italian estimate? +
It is an order of magnitude: it includes IRPEF brackets, the employee deduction, the allowance, the tax credit and average surcharges, but not dependants, other income or other deductions. The actual figure comes from the tax return.
Indicative calculation, provided as is: actual contributions depend on the contract, the pension fund and the insurer. 2026 values, updated once a year.