Your Swiss gross, turned into net
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See exactly what AVS, unemployment insurance, LPP and accident cover take off your Swiss gross — on 2026 official rates, free, no account. Income tax and health premiums are shown separately, on purpose.
Net Swiss salary calculator — free
Your Swiss gross after AVS/AC/LPP/NBU, on 2026 official rates.
The annual gross on your Swiss employment contract, before deductions.
Age sets your LPP pension tier (7% to 18%).
Sets where your income tax is handled (not deducted here).
Enter your gross annual Swiss salary and age to see your net.
Track your net on the go
Net Frontalier converts your Swiss gross to French net with the current rates, on your phone. See the cross-border hub
From Swiss gross to money in the bank
The four social contributions
AVS/AI/APG funds the state pension and disability insurance at a flat 5.30% on your whole salary. AC/LACI (unemployment) takes 1.10% up to 148,200 CHF and nothing above. LPP is your occupational pension, calculated on a 'coordinated' salary (gross capped at 90,720 CHF minus a 26,460 CHF deduction) at an age-based rate. NBU insures you against non-work accidents. Together these are what separate your headline gross from your Swiss net — and unlike tax, they apply the same way in every canton.
Then comes tax — and it depends on your canton
Once social contributions are off, the tax question splits the frontalier world in two. Work in Geneva and your employer withholds Swiss source tax on the spot — you may reclaim part of it as a quasi-resident. Work in an accord canton (Vaud, Neuchâtel, Berne, Valais, Soleure, Jura, Basel-City, Basel-Country) and you owe French income tax instead, paid the following year. Either way, this calculator stops before tax so the number it shows is true for everyone.
And health cover is a separate line again
Your LAMal or CMU/PUMa premium is not withheld from your Swiss salary — you pay it directly. It can be several hundred francs a month and often decides your real disposable income more than tax does. Compare the two systems on your own numbers with the free LAMal vs CMU calculator before your 3-month droit d'option closes.
Quick answer
A France-Switzerland frontalier's Swiss net salary is the gross minus four mandatory social contributions: AVS/AI/APG (5.30%, uncapped), unemployment AC/LACI (1.10% up to 148,200 CHF, 0% above), occupational pension LPP (an age-tiered 7-18% employee share on the coordinated salary), and non-occupational accident insurance NBU (~1.4%, employer-specific). Swiss income tax and the LAMal/CMU health premium are NOT part of this net: Geneva frontaliers are source-taxed in Switzerland, accord-canton frontaliers (Vaud, Neuchâtel, Berne, Valais, Soleure, Jura, Basel-City, Basel-Country) are taxed in France, and health premiums are paid directly. All social-contribution rates are 2026 federal figures and identical across cantons.
Frequently Asked Questions
Deductions, why tax is excluded, LPP by age, take-home reality, cantons covered.
What is deducted from a Swiss gross salary for a frontalier?
Why isn't income tax included in the net?
How does age change the LPP deduction?
Is this the same as the take-home pay I actually get in euros?
Which cantons does the calculator cover?
Important: AdminLanding is a technology platform, not an employer, fiduciaire or regulated adviser. This calculator applies published 2026 Swiss social-contribution rates (AVS/OFAS, SECO/LACI, LPP/BVG minima, SUVA) to the figures you enter, for information only — it estimates the legal minimum LPP and a default NBU rate, and excludes income tax and health premiums by design. Your actual payslip depends on your employer's pension plan and NBU class. It is not financial, tax or legal advice; verify against your wage statement.
Secure Vault — included with every pack
Store your generated documents in an encrypted vault. Administrative Intelligence reports, fiscal analyses, CERFA forms, rent receipts, letters — all your generated documents in one secure place, encrypted on your device before upload.
Gross to net is free. The real take-home is one pack away.
Combine net salary, LAMal/CMU and tax, plus the CAF differential and Geneva quasi-resident calculators. One-time purchase, no subscription.
Cross-border tools — €29EU-hosted • 2026 AVS/AC/LPP/NBU rates • Federal figures
Editorial deep-dives
Want the longer version of this story?
AdminLanding ships the operational tools. The editorial sites — ExpatAdminHub for expat / cross-border life and GreenDailyFix for renovation aid — go deeper on the why and the how.
Permit G Switzerland — full cross-border worker guide
Eligibility, application, the 49.9% telework rule, what changes with cantonal residence, and the renewal pitfalls frontaliers fix too late.
LAMal vs CMU — health insurance for cross-border workers
The droit d'option deadlines, what gets covered on each side, dependent rules, and the calculation that decides which is cheaper for your household.
Swiss 2nd Pillar (LPP) — frontalier retirement guide
What you can withdraw on departure, what stays locked until retirement age, and the tax implications on the French side that catch frontaliers off guard.
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