Cross-border net salary in Switzerland

Estimate your net salary by canton of work: social deductions and withholding tax.

Your situation

CHF
ℹ️ In Geneva, withholding tax is levied in Switzerland. The rate below is an estimate (single-person scale); if married or with children, it is lower.
→ Find your exact rate (official ge.ch calculator)
Advanced settings
Estimated net annual salary
—
Gross salary—
Deductions
OASI / DI / EO (5.3 %)—
Unemployment insurance—
Non-occupational accident—
Pillar 2 (LPP)—
Withholding tax (— %)—
Net annual salary—
Net monthly salary—
⚠️ Indicative estimate. Pillar 2 depends on your pension plan and withholding tax on your exact family situation. Check your payslip and the official cantonal calculator.
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How is a cross-border worker's net salary calculated?

From your gross salary, mandatory social contributions are first deducted: OASI/DI/EO (5.3 %), unemployment insurance (1.1 % up to CHF 148,200/year, then 0.5 %), non-occupational accident and pillar 2 (LPP). These are the same for all employees in Switzerland.

Taxation then depends on your canton of work:

The pillar 2 contribution varies greatly with age (7 % to 18 % of the coordinated salary, shared with the employer): adjust it in the advanced settings according to your pension certificate.

Frequently asked questions

Why is the result an estimate?

The pillar 2 contribution depends on your age and pension fund, and Geneva withholding tax on your exact family situation. The calculation gives a reliable order of magnitude; your payslip prevails.

Am I taxed in France or Switzerland?

If you work in Geneva, tax is withheld at source in Switzerland. In a 1983-agreement canton (VD, VS, BE, JU, NE, BS, BL, SO), you are taxed in France and must give your employer a residence certificate.

Is the 13th salary included?

Enter your total gross annual salary, including the 13th. Social deductions and tax apply to the whole.

Detailed calculation method

A cross-border worker's net pay is built in two independent layers: first the Swiss social contributions, identical whatever the canton of work; then tax, which depends entirely on the canton.

Layer 1 — social contributions (2026)

Layer 2 — tax depends on the canton of work

Geneva: withholding tax levied in Switzerland, progressive rate depending on the scale (A, B, C or H). The calculator applies an editable estimate; the exact rate should be checked with the canton's official calculator.
Bern, Solothurn, Basel-Stadt, Basel-Landschaft, Vaud, Valais, Neuchâtel, Jura: no tax levied in Switzerland, the salary is taxed in France under the 1983 agreement.

Annual net pay is then divided by 12 or 13 depending on whether your contract provides a 13th salary — the annual total does not change, only the monthly amount. Both tax regimes are explained in our article on the 1983 agreement, and the Geneva scales in the one on withholding tax in Geneva.

Limitations and accuracy

Two parameters weigh heavily and depend on your employer: the pension fund and accident insurance. Pension retirement credits rise with age (from 7 % to 18 % of the coordinated salary) and the employer/employee split varies between plans — your pension certificate gives the exact figure. The non-occupational accident premium depends on the industry. Replace the default values with your own for a reliable result.

What the calculation does not include: the French tax due in the eight cantons of the 1983 agreement (the net shown there is therefore before French tax), health insurance premiums (Swiss LAMal or French CMU, a matter of the right of option, paid outside the salary), family allowances, benefits in kind and any company deductions. For Geneva, the exact withholding rate depends on your scale and the number of child allowances.

Sources and references