Calculators
Swiss Payroll Calculator
From gross salary to estimated net — and to the employer's true cost.
| Employee share | Employer share | |
|---|---|---|
| AVS / AI / APG (old-age insurance) | ||
| Unemployment insurance (AC) | ||
| Accident insurance (LAA) | ||
| Pension fund (LPP / BVG) | ||
| Total deductions |
Estimated net salary
Total employer cost
Indicative estimate only. LAA and LPP rates vary by insurer, contract and pension plan: always refer to your official payslips and statements.
What is left of a CHF 6,500 gross salary? And what does it actually cost the company? This calculator estimates Swiss social contributions for 2026 from the gross monthly salary and the employee’s age: AVS/AI/APG old-age insurance (5.3% on each side), unemployment insurance (1.1% each), accident insurance and the LPP pension scheme by age bracket, applying the 2026 coordination deduction of CHF 26,460 to determine the coordinated salary. A detailed table breaks down every contribution for employee and employer, then shows the estimated net salary and the total cost to the company. Keep in mind this is an indicative estimate: LAA and LPP rates vary noticeably between insurers, contracts and pension plans. Free, no sign-up, and everything is computed in your browser.
How does it work?
- Enter the gross monthly salary in CHF.
- Set the employee’s age — it determines the LPP pension contribution rate.
- Review the contribution breakdown for both employee and employer.
- Compare the estimated net salary with the total cost to the company.
Frequently asked questions
How much does an employee really cost in Switzerland?
As a rule of thumb, 12–20% on top of the gross salary: the employer’s AVS/AI/APG share (5.3%), unemployment insurance (1.1%), occupational accident insurance, half of the LPP pension contributions (which rise with age), plus family allowance contributions and fund administration fees. A CHF 6,500 gross salary therefore often means CHF 7,300–7,800 in total monthly cost — this calculator gives you that order of magnitude.
What is deducted from a gross salary in 2026?
AVS/AI/APG at 5.3%, unemployment insurance at 1.1% (up to CHF 148,200 of annual salary), non-occupational accident insurance (roughly 1–2% depending on the insurer) and the employee’s share of LPP pension contributions, which depend on age and pension plan. Depending on the situation, daily sickness allowance insurance and — for foreign employees without a C permit or Swiss spouse — withholding tax come on top.
What is the LPP coordination deduction?
It is the slice of salary already covered by the state AVS scheme, which occupational pensions do not insure again: in 2026, CHF 26,460 is subtracted from the gross annual salary to obtain the coordinated salary on which LPP contributions are levied (7% at age 25–34, 10% at 35–44, 15% at 45–54, 18% at 55–65, usually split between employer and employee). Many “enveloping” plans adjust or drop it — one reason results differ between pension funds.
Why is the result only an estimate?
Because two items vary widely from one company to another: LAA accident insurance, whose rate depends on the industry and insurer, and LPP, whose plan (coordination deduction, rates, employer/employee split) differs by pension fund. This calculator applies realistic defaults; for exact figures, rely on your official statements and contracts — or on your fiduciary.