Switzerland Finance Calculators
Calculate country-specific estimates for taxes, loans, retirement, savings and property decisions.
Essential Swiss Financial, Tax & Wealth Calculators
Calculate take-home pay with 13th month salary, optimize Pillar 3a contributions, compare cantonal tax rates across Zug, Zurich & Geneva, and test FINMA 33% mortgage affordability.
Net Salary (Lohnrechner)
AHV/IV/EO (5.3%), ALV (1.1%), BVG pension & taxes with 12x vs 13x pay
Pillar 3a Tax Savings
Maximize the CHF 7,056 limit and calculate exact marginal tax deduction
Canton Tax Comparison
Compare Zug (low tax ~9%) vs Zurich (~16%) vs Geneva & Vaud (~22%)
FINMA Mortgage (33%)
Stress test at 5% theoretical rate + 1% maintenance + 15y amortization
Salary
Net Salary Calculator
Calculate Swiss net salary after AHV/IV/EO, ALV unemployment, BVG 2nd pillar pension, and cantonal income taxes with 12x or 13x payment schedules.
AHV Calculator
Calculate Swiss 1st Pillar AHV/IV/EO social security deductions and ALV unemployment contributions from gross salary.
Unemployment Benefit Calculator
Estimate Swiss unemployment benefit from insured salary and replacement rate assumptions.
Salary by Canton Calculator
Compare estimated net salary between two Swiss cantons after social deductions, pension contributions, and local tax rates.
Tax
Pillar 3a Calculator
Calculate your annual Swiss tax savings and compounding wealth growth from statutory Pillar 3a retirement contributions.
Wealth Tax Calculator
Estimate Swiss wealth tax (Vermögenssteuer) on net worldwide assets across Swiss cantons and municipalities.
Income Tax Calculator
Calculate combined Swiss income tax across Direct Federal Tax (IFD), cantonal tax, and municipal multipliers (Steuerfuss).
Withholding Tax Calculator
Estimate Swiss withholding tax from gross salary, canton-style rate and monthly deductions.
Cross-Border Tax Calculator
Estimate Swiss source tax and residence-country tax balance for cross-border commuters.
Cantonal Tax Comparison Calculator
Compare estimated income tax between two Swiss canton or municipality effective tax rate assumptions.
VAT Calculator
Calculate Swiss VAT (Mehrwertsteuer / MWST), net price, and gross price using current standard 8.1%, reduced 2.6%, and accommodation 3.8% rates.
Pension Buy-in CH
Calculate your immediate tax savings, net out-of-pocket cost, and instant return from voluntary Pillar 2 (Pensionskasse) buy-ins.
Property
Mortgage Affordability Calculator
Test Swiss home buying affordability under FINMA rules: 5% imputed interest rate, 1% maintenance, 15-year 2nd mortgage amortization, and 33% gross income limit.
Imputed Rental Value Calculator
Estimate Swiss Eigenmietwert taxable income impact for owner-occupied property.
Property Purchase Costs CH
Estimate Swiss property purchase ancillary costs: property transfer tax (Handänderungssteuer), notary fees, and land registry fees across cantons.
Retirement
Pillar 2 Calculator
Estimate Swiss occupational pension savings from insured salary, contribution rate and investment return.
Capital Withdrawal Tax CH
Estimate Swiss capital withdrawal tax on lump-sum payouts from Pillar 2 (Pensionskasse) and Pillar 3a across cantons and civil status.
Rente vs. Kapital CH
Compare taking your Swiss 2nd Pillar pension as a lifelong monthly annuity vs. a lump-sum capital withdrawal: analyze break-even age and total payouts.