Gross → Net Salary Calculator Switzerland 2026
Your net pay depends on more than one rate: BVG contributions scale with your age bracket, and tax at source varies by canton and permit status. Enter your gross salary below for an instant net estimate across AHV/IV/EO, unemployment insurance, BVG (second pillar) and non-occupational accident insurance.
How to read the result
The calculated net salary is the amount that will be deposited into your bank account. It accounts for mandatory payroll deductions: social insurance (AHV, ALV) that gives you entitlements to retirement, unemployment and income replacement benefits, and occupational pension (BVG) that makes up your second pillar retirement savings. For the complete breakdown of each payslip line item, see our gross-to-net salary guide.
The BVG contribution is the most variable deduction. Its rate depends on your age, the coordinated salary (gross salary minus the coordination deduction of CHF 25,725 annually in 2026) and your pension fund's rules. The employer contributes at least as much as you do. The rates used in this calculator are the legal BVG minimum rates; your fund may contribute more (super-mandatory plan).
Tax at source applies to residents with a B, L or N permit. Swiss citizens and C permit holders pay ordinary income tax through their annual tax return. For a precise estimate of cantonal and municipal taxes, the tax authorities of Geneva (ge.ch) and Zurich (zh.ch) offer official calculators.
The 13th month salary, paid by most Swiss employers in November or December, represents one additional month of gross salary. On an annual basis, it increases the effective monthly salary by approximately 8.3%. In Switzerland, comparing job offers without accounting for the 13th salary and other benefits (super-mandatory BVG, health insurance premium contributions, transport allowance) can lead to significant misjudgements.