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See what could reach your budget when you live in France or Germany and work in Switzerland.
After estimated taxes, health insurance and conversion costs.
Monthly average, including your 13th salary.Assumes the usual cross-border commuter tax treatment and required paperwork. This is a planning assumption, not confirmation of your status.
Pension uses the statutory age-based estimate unless you enter your payslip amount. Employer plans can differ.
Accident insurance is excluded unless you enter your payslip amount.
Health insurance uses your amount or an available estimate for the selected system and household.
French tax uses the latest final scale: the 2026 scale for 2025 income. It is a planning basis until the salary-year scale is published.
An estimate for planning. Your actual pay and tax may differ.
Where and how often you work decides which country may tax the salary.
Two deductions your payslip states exactly and an estimate can only model.
Residence-country tax is calculated on the household, so these fields move the tax line further than the gross does.
The costs that never touch a Swiss payslip and still leave your account.
Pension and accident are the two lines nobody can predict for you. Enter your own payslip amounts and the estimate stops guessing.
This assumes the usual commuter treatment and the paperwork behind it. The tax residence check walks through what your return pattern and your canton actually allow.
Swiss LAMal and the French contribution are different amounts and a one-time choice. Compare them while the option window is still open.
Two decisions sit behind this number: which system insures you, and which country taxes you.
Your salary details stay in this browser. Nothing is sent to Workacross.
We use published tax rules, pension estimates and health premiums. Individual tax relief and exceptional situations are not included. The sources below explain the calculation.
Swiss payroll comes off first. AHV/IV/EO, the state pension, disability and income-compensation schemes, cost 5.3% of gross, and ALV, unemployment insurance, adds 1.1% on the first CHF 148,200 a year. On a gross of CHF 7,000 a month that is roughly CHF 371 and CHF 77. Residence-country tax, health insurance and the currency margin are modeled after that.
ECB rate1 CHF = 1.06 EUR
You have an offer in Swiss francs and a household budget in another currency. This estimate separates Swiss payroll deductions, optional insurance costs and currency conversion so its boundaries stay visible.
Three schemes sit together at the top of the deduction list. AHV/AVS is the state pension, Switzerland's first pillar. IV/AI is disability insurance. EO/APG replaces income during military service and parental leave. Together they cost you 5.3% of your contributory salary, the part of your pay that counts towards contributions, and they apply from the first franc with no ceiling above.
Unemployment insurance, ALV, is the one deduction with a limit. It takes 1.1%, and only on the first CHF 148,200 you earn in a year. On a gross of CHF 7,000 a month that is roughly CHF 371 for the first three schemes and CHF 77 for unemployment insurance. Those are example figures to show the shape; your payslip is the real number.
The questions people arrive at this page with, answered in the order they usually come up.
The employee share is 5.3% for the pension, disability and income-compensation schemes together (AHV/AVS, IV/AI and EO/APG), applied from the first franc with no upper limit, plus 1.1% for unemployment insurance on the first CHF 148,200 of annual pay. Occupational pension and accident cover come on top and depend on your employer's plan.
Because withholding follows corridor-specific rules and tables. The result shows whether your selected route is covered and never substitutes a Basel value. Final French or German residence-country income tax is outside this estimate.
A 13th monthly salary splits the same annual gross across 13 payments instead of 12, so each regular month looks smaller while the year is unchanged. This matters when you compare an offer against your monthly outgoings: divide by 13 to see the month, by 12 to see the average.
Yes. The 1.1% employee share applies only to the first CHF 148,200 you earn in a year. Above that ceiling the deduction stops growing, which is why higher salaries show a smaller percentage overall.
Swiss source withholding depends on the residence-country regime, work canton and household or employment facts. This calculator does not reuse a Basel result for Geneva, Vaud, Zurich or another supported canton, and it does not invent a tariff when the reviewed table pack is unavailable.
The number therefore stops at Swiss payroll net unless the selected corridor has a reviewed tax calculation. The result names that boundary and keeps final residence-country income tax outside the estimate.
Occupational pension, LPP/BVG, is switched off by default because there is no standard rate: every employer plan differs, and the only reliable figure is the one on your own payslip or plan document. Non-occupational accident cover works the same way. The estimate takes the numbers you enter rather than inventing an average that would be wrong for most readers.
The euro figure uses the European Central Bank reference rate. That is the honest midpoint, not the rate you will get: converting a real salary costs more than the reference, which is what the exchange comparison is for.
The European Central Bank euro reference rate for the Swiss franc. It is a published midpoint rather than a price you can trade at, so treat the euro column as an indication. What a transfer actually costs depends on the provider you use.
Usually one of three things: an occupational pension rate specific to your employer's plan, an accident or daily-sickness premium arranged by the employer, or a contributory salary that differs from your headline gross. The estimate uses published statutory rates; your payslip uses your contract.