What is left of your salary?
In Switzerland your employer takes social contributions from your salary, and the income tax depends a lot on where you live. Enter your gross salary to see your net salary per month, the tax in your municipality, and what is left.
Your salary, line by line
What your employer deducts, then the income tax. The income tax is on the payslip only if you pay withholding tax.
| CHF | Per month | Per year | Share |
|---|---|---|---|
| Gross salary | |||
| AHV/IV/EO: old age, disability, loss of earnings (5.3%) | |||
| Unemployment insurance ALV (1.1%) | |||
| Pension fund (BVG) | |||
| Accident insurance (NBU) | |||
| Daily sickness insurance | |||
| Family allowances, Valais (0.13%) | |||
| Net salary | |||
| Income tax: federal, cantonal, communal, church | |||
| Left after tax |
What you keep, by gross salary
The same salary in other cantons
What is left after tax in each canton capital, with the same salary and insurance.
| Canton capital | Left per year | Per month | Compared with your place |
|---|
How it works
- Social contributions 2026: AHV/IV/EO 5.3% of the whole salary, unemployment insurance 1.1% up to CHF 148,200, pension fund at least half of the legal savings credit (7%, 10%, 15% or 18% of the coordinated salary, by age).
- Income tax 2026 computed with the official calculator of the Swiss Federal Tax Administration (ESTV), data from 2026-10-25, in your municipality, with the standard deductions and your social contributions. No children, no wealth, no other income.
- With a B or L permit you usually pay withholding tax: it is taken from each salary, at rates that roughly match the ordinary tax. From CHF 120,000 gross, or on request until 31 March of the next year, you file a normal tax return instead.
- With a C permit, as a Swiss citizen or married to one, you pay the tax yourself in instalments. The net salary on your payslip is then higher, but the tax is still due.
- Family allowances are paid by the employer (in Valais employees pay a small part). The 13th salary is common, but it depends on your contract.
Questions and answers
How much is deducted from a gross salary in Switzerland?
Employees pay AHV/IV/EO 5.3% of the whole salary, unemployment insurance 1.1% up to CHF 148’200, accident insurance (about 0.7 to 1.5%) and the pension fund, which depends on age (7% to 18% of the coordinated salary, at least half paid by the employer). Together this is usually 10 to 15% of the gross salary, before income tax.
How much income tax do you pay on CHF 100’000 in Switzerland?
It depends a lot on the municipality. A single person without children and without church tax earning CHF 100’000 gross pays about CHF 5’200 of federal, cantonal and communal income tax in Baar (ZG), CHF 11’800 in the city of Zurich and up to CHF 19’300 in Les Verrières (NE) (tax year 2026).
Is income tax taken from my salary?
Only if you pay withholding tax: foreign employees with a B or L permit who are not married to a Swiss citizen or a C permit holder. Everybody else pays the tax after the tax return, in instalments. With a salary above CHF 120’000, or on request until 31 March of the next year, people with withholding tax also file a normal tax return.