Your Swiss gross, turned into net

Last updated 4 October 2026AdminLanding Editorial

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.

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Net Swiss salary calculator — free

Your Swiss gross after AVS/AC/LPP/NBU, on 2026 official rates.

Gross annual Swiss salary (CHF)

The annual gross on your Swiss employment contract, before deductions.

Your age

Age sets your LPP pension tier (7% to 18%).

Canton of employment

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

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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?

Four mandatory social contributions come off the gross: AVS/AI/APG (5.30% employee share, uncapped), unemployment insurance AC/LACI (1.10% up to the 148,200 CHF ceiling, 0% above), occupational pension LPP/BVG (an age-tiered 7-18% on the coordinated salary, split with the employer), and non-occupational accident insurance NBU (employer-specific, ~1.4% default). Swiss income tax and your LAMal/CMU health premium are handled separately — the calculator deliberately does not fold them into net so each figure stays honest.

Why isn't income tax included in the net?

Because where you pay it depends on your canton. Geneva frontaliers are taxed at source in Switzerland (impôt à la source), deducted by the employer. In the eight accord cantons (Vaud, Neuchâtel, Berne, Valais, Soleure, Jura, Basel-City, Basel-Country) frontaliers are taxed in France under the 1983 agreement and pay French income tax separately. Folding one canton's rule into a single 'net' would be wrong for the others, so this tool stops at the social-contribution line — the part that is identical across cantons.

How does age change the LPP deduction?

The LPP bonification de vieillesse rises with age: 7% of the coordinated salary at 25-34, 10% at 35-44, 15% at 45-54, and 18% at 55-65 — normally split half-half with the employer. Below the 22,680 CHF entry threshold, or under age 25, no old-age LPP applies (only risk cover). This is why an older, higher-paid frontalier sees a visibly larger deduction than a younger colleague on the same gross.

Is this the same as the take-home pay I actually get in euros?

Not quite. This is your Swiss net in CHF after social contributions. Your real take-home also depends on income tax (source or French), your LAMal/CMU premium, and the CHF→EUR rate on the day you convert. The pack's personalised analysis combines all three into one estimate; here we keep the calculation to the deductions that are fixed by Swiss law and identical whatever your tax situation.

Which cantons does the calculator cover?

The frontalier cantons: Geneva plus the accord cantons Vaud, Valais, Neuchâtel, Jura and Basel-City. The social-contribution rates (AVS/AC/LPP/NBU) are federal and identical across Switzerland — only the income-tax handling differs by canton, and that is not part of this net. NBU is employer-specific; the calculator uses a typical office-worker default that your wage statement may refine.

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.

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Cross-border documents — in the membership

EU-hosted • 2026 AVS/AC/LPP/NBU rates • Federal figures

Your Swiss gross, turned into net

Net Swiss salary calculator — free

From Swiss gross to money in the bank

The four social contributions

Then comes tax — and it depends on your canton

And health cover is a separate line again

Frequently Asked Questions

Secure Vault — included with every pack

Gross to net is free. The real take-home is one pack away.

Want the longer version of this story?

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LAMal vs CMU — health insurance for cross-border workers

Swiss 2nd Pillar (LPP) — frontalier retirement guide

Family Allowances for France-Switzerland Cross-Border Workers: Swiss Allocations, the French Differential and CAF

Quasi-resident tax status for France-Switzerland cross-border workers: who benefits and how to claim

Unemployment benefits for France–Switzerland cross-border workers: who pays and how much

How to Count Your Telework Days as a Frontalier: the 40% Tax Rule vs the 49.9% Social-Security Rule