About Switzerland Calculators

Switzerland Calculators covers federal social insurance payroll deductions (AHV/IV/EO, ALV, BVG occupational pension), Pillar 3a private pension savings, and mortgage affordability conventions used by Swiss lenders — built specifically around Swiss federal rules rather than a generic international formula.

A deliberately scoped first phase

Swiss income tax works across three layers — federal, cantonal, and communal — and unlike many countries, most Swiss residents don't have income tax withheld from their paycheque at all; it's assessed and paid separately from payroll. Cantonal and communal tax rates vary enormously, not just between Switzerland's 26 cantons but between individual communes within the same canton, and there isn't a single reliable source for all of this data at the rigor this site holds itself to elsewhere. This category currently focuses on the federal-level deductions, pension mechanics, and lending conventions that apply uniformly nationwide and can be verified precisely — cantonal income tax calculators are planned as a separate, clearly-labeled addition once reliable per-canton data is available, rather than being approximated now.

Built on current federal figures

AHV/IV/EO and ALV contribution rates, BVG coordination deduction and age-band contribution rates, and Pillar 3a contribution limits are sourced from current federal guidance and updated as new figures are announced.

Estimates, not tax advice

Every calculator in this category is for informational and educational purposes only and is not tax, legal, or financial advice. Payroll deductions, pension fund plans, and individual situations vary — confirm specifics with a qualified tax professional, your pension fund, or your employer's payroll team.

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