Calculateur salaire suisse - du brut au net, cotisations et impôt inclus

Your gross salary in Switzerland rarely reflects what lands in your bank account. Between AVS, LPP, accident insurance, and withholding tax (impôt à la source), the gap can reach 20 to 35% of your gross pay — sometimes more, depending on your canton and situation. This calculator gives you a clear, realistic picture in seconds.

How to Use This Calculator

Enter your monthly gross salary in CHF, select your canton, your civil status, and indicate whether you are a Swiss resident or a cross-border worker (frontalier). The tool instantly breaks down each deduction and shows your estimated net salary.

Les formules — Comment votre salaire net est calculé

The Swiss payroll system applies several mandatory social deductions to every gross salary.

Mandatory employee deductions (2026 rates)

Deduction Rate (employee share) AVS/AI/APG (old-age insurance) 5.3% AC (unemployment insurance) 1.1% up to CHF 148,200/year AANP (non-occupational accident) ~1.0% (varies by insurer) LPP (occupational pension, 2nd pillar) 3.5% to 9% depending on age & salary Exemple concret : Gross salary: CHF 8,000/month

• AVS/AI/APG: − CHF 424
• AC: − CHF 88
• AANP: − CHF 80
• LPP (age 35–44): − CHF 320 (approx.)
• Sub-total deductions before tax: − CHF 912
• Salary before withholding tax: CHF 7,088

For a single person without children, living in the canton of Vaud, the impôt à la source rate may reach approximately 13–15%, bringing the net salary to roughly CHF 6,000–6,100/month.

These figures are estimates. Exact amounts depend on your LPP contract, your insurer, and your cantonal tax rate.

Le cas spécifique des frontaliers — ce que la plupart des calculateurs ignorent

Cross-border workers (frontaliers) have a specific tax situation that standard calculators often oversimplify.

If you live in France and work in the canton of Geneva, Switzerland levies a frontalier withholding tax directly on your gross salary — around 4.5% (as per the Franco-Swiss bilateral agreement). You then declare your income in France, where it is taxed under French rules, with a credit applied for the Swiss tax already paid.

In other cantons (Vaud, Neuchâtel, Basel), the rules may differ. Some frontaliers are taxed exclusively in Switzerland, others exclusively in France. The canton matters enormously — a CHF 8,000 gross salary can yield a different net depending on whether you cross at Geneva, Basel or Neuchâtel.

👉 Always verify your situation with your canton's tax authority (Administration fiscale cantonale) or a cross-border tax specialist.

Erreurs fréquentes

1. Confondre taux marginal et taux effectif The withholding tax rate shown on your payslip is an effective rate applied to your full salary — not a marginal rate. A rate of 15% means 15% of the whole gross, not just the top portion.

2. Oublier la part LPP variable selon l'âge LPP contributions are not flat — they increase with age. An employee aged 25–34 pays around 3.5%, while one aged 45–54 pays closer to 9%. Many online calculators apply a single average rate, which can distort the result significantly.

3. Ne pas déclarer le bon canton Withholding tax (impôt à la source) rates vary by up to 5–6 percentage points between cantons for the same salary profile. Calculating with the wrong canton is one of the most common mistakes when comparing job offers across regions.

Disclaimer: The figures provided by this calculator are estimates based on 2026 official rates and are intended for informational purposes only. They do not constitute legal or tax advice — consult a qualified Swiss tax professional or your cantonal authority for your personal situation.