Calculate your net salary in Switzerland
Social contributions (AVS, AC, LPP, LAA), cantonal withholding tax, family allowances and total employer cost — detailed calculation by canton, instantly.
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Calculated using 2025/2026 official rates and brackets.
Monthly deductions breakdown
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⚠️ No legal value — approximate result.
This simulator provides an indicative estimate for preview purposes only. The figures displayed do not bind Illizeo or your employer and do not constitute an official payslip, a contractual document, or personalised tax advice.
Only a properly configured payroll software (taking into account your collective bargaining agreement, your specific pension fund, your municipality of residence, your denomination, your personal deductions, overtime, specific allowances and corrections) can produce an exact salary calculation that complies with Swiss legislation.
Our simulator uses 2025/2026 federal rates (AVS, AC, LAA) and the average cantonal scales published by the AFC and CCAF. Geneva special cases (AMat, AAJ) are integrated. For the exact calculation, consult your cantonal administration, your compensation fund, your tax advisor — or use a real payroll software.
👉 Need a reliable, automated payroll calculation? Discover Illizeo outsourced payroll: 100% Swiss compliance, multi-canton, automatic updates of brackets, validation by our payroll experts.
Frequently asked questions
How is the net salary calculated in Switzerland?
The gross salary is subject to 4 main deductions: AVS/AI/APG (5.3%), unemployment insurance AC (1.1%), LPP (rate varies by age), non-occupational accident LAA (~1.4%). For B, G, L permits, the withholding tax is also deducted according to a cantonal scale.
How do family allowances work in Switzerland?
Each canton has its own Family Allowance Compensation Fund (CCAF) which sets the employer contribution rate (from 1.2% in Zurich/Zug up to 3% in Valais/Jura) and the amount paid per child (from minimum CHF 200/month to CHF 311/month in Geneva).
Why does the canton change the result?
Withholding tax is cantonal and communal — Geneva, Vaud, Neuchâtel have higher rates than Zug, Schwyz or Nidwalden (up to 15% net difference). Family allowances received also vary (CHF 200 to 311 per child per month). And employer AF contributions range from 1.2% to 3% depending on the canton.
What is the 13th month salary?
Common practice in Switzerland: the annual gross is paid over 13 monthly instalments. Our simulator considers the gross you enter as the total annual gross (13th included).
Why does the employer cost differ from the gross?
The employer also pays half of the social contributions (AVS, AC, LPP) + the occupational LAA (~0.5%) + cantonal family allowances (1.2% to 3%). The actual cost of an employee is about 1.15 to 1.20 × the gross.
What about special cases like Geneva?
Geneva also levies a Maternity Insurance contribution (AMat, 0.038% employee) and a Daily Accident Insurance (AAJ, 0.046%). The simulator integrates the main ones for Geneva.
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