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Old 23.04.2008, 02:37
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Brutto vs. Netto [salary] in Zug

I've been reading about the "low" taxes in Zug. I am aware of federal, cantonal and municipal taxes and their respective rates (which are indeed low). Kirchensteuer does not apply in my case (married, sole provider, one child). Now I've unearthed the Quellensteuer that I evidently will have to pay as a EU non-swiss. Also I appear to be liable for social contributions (Pension, Arbeitslosigkeit, etc).
At this point I am starting to wonder what the actual net take home income on a sample 120,000 Fr. salary would be?
Can anyone run a quick calc on this for me?
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  #2  
Old 23.04.2008, 07:43
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Re: Brutto vs. Netto in Zug

Very unsociable of the Zug authorities to charge you social expenses on your salary, i think you better put something in the complaints section.
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Old 23.04.2008, 08:16
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Re: Brutto vs. Netto in Zug

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I've been reading about the "low" taxes in Zug. I am aware of federal, cantonal and municipal taxes and their respective rates (which are indeed low). Kirchensteuer does not apply in my case (married, sole provider, one child). Now I've unearthed the Quellensteuer that I evidently will have to pay as a EU non-swiss. Also I appear to be liable for social contributions (Pension, Arbeitslosigkeit, etc).
At this point I am starting to wonder what the actual net take home income on a sample 120,000 Fr. salary would be?
Can anyone run a quick calc on this for me?
In Zurich it would be around 7,500-8,000 per month, Zug will be a bit higher. Social contributions are around 10%, but not all of this is lost as your pension contributions will be invested and will be paid out to you once you retire (if moving to another EU country) or once you leave CH (if you move outside of EU). The exact Quellensteuer you can surely find on google (search Zug Quellensteuertarif Steueramt - they should have an English translation). If you earn 120k upwards, you can file a tax declaration at the end of the year and typically get a small refund on the Quellensteuer you've paid before.
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Old 23.04.2008, 10:26
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Re: Brutto vs. Netto in Zug

search the site for "tax calculator" please
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Old 23.04.2008, 10:35
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Re: Brutto vs. Netto in Zug

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Can anyone run a quick calc on this for me?
Here is the link to the tax calculator for all cantons (it's in English).

http://www.estv.admin.ch/e/dienstlei...uerrechner.htm
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Old 23.04.2008, 17:53
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Re: Brutto vs. Netto in Zug

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Here is the link to the tax calculator for all cantons (it's in English).

http://www.estv.admin.ch/e/dienstlei...uerrechner.htm
There is no Vaud and Geneva.

The best by far is COMPARIS, they show exactly the way it is!!!
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Old 23.04.2008, 17:58
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Re: Brutto vs. Netto in Zug

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There is no Vaud and Geneva.
Geneva, second from bottom, left-hand column.

Vaud, third from bottom, right hand column.

Grand Optical: two stores 100 metres off Rive roundabout...
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Old 14.10.2014, 12:29
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Re: Brutto vs. Netto in Zug

Hi all

After numerous searches and even asking people who live and work at Zug, everyone has a different reply!! it's driving me crazy!

Let's say a 110k salary. I was advised that the best calculator was lohncomputer which shows 7256 net per month. That's around 19-20% in overall taxes.

A friend who works in Zug told me that from her gross salary she sees -5% on her monthly payroll. Granted her salary could be lower so different tax applies, but a 15% difference??

Comparis says 14.5% for example...

I am still not clear what the net salary one gets at Zug is after ALL different taxes have been applied. (Single, no kids, no church tax)
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Old 14.10.2014, 13:08
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Re: Brutto vs. Netto in Zug

Have you asked your HR to run a gross vs. net analysis for you?

You will see 5% go into your pension, other poster was correct, you may get a small refund on your taxes at the end of the year.

I cant remember the exact %, but my husbands overall deductions are overall around 22%.
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Old 14.10.2014, 13:17
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Re: Brutto vs. Netto in Zug

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After numerous searches and even asking people who live and work at Zug, everyone has a different reply!! it's driving me crazy!

(Single, no kids, no church tax)
Are you on Quellensteuer or on normal taxation? That might account for some of the different numbers you are hearing.

A quick look at comparis suggest that (110K income, single no kids in ZG) on Quellensteuer you would pay ca. 8000 in taxes and on normal taxation you would pay 15-18,000, Gemeinde dependent.

However, most people on normal taxation would pay less than that due to deductions. How much less would depend on your individual situation.

Quellensteuer assumes theoretical average deductions, and uses an average tax rate across the canton.


(Just be happy you live in a low tax canton, either via Quellensteuer or normal taxation.)
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Old 14.10.2014, 13:46
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Re: Brutto vs. Netto [salary] in Zug

I am EU, single, no kids and will probably get a B permit.

I assume I will be taxed at source (Quellensteuer ) as noone said otherwise from the company and it's the norm for EU afaik.

I emailed the company so hopefully that should clear things a bit. To be honest I am surprised there's not a super duper calculator that takes into account all different cases. I wouldn't mind paying for it either, as long as it was accurate!

Will update with details when i found out. If all taxes/deductions come under 20% I'll be a happy man. (Compared to UK's 40% income+ 10% NI everything looks better)
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Old 14.10.2014, 14:03
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Re: Brutto vs. Netto [salary] in Zug

You will come in under 20% for sure. And that includes all the deductions, as in "take home" pay. (this is from my own personal experience)
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Old 14.10.2014, 14:05
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Hi all

After numerous searches and even asking people who live and work at Zug, everyone has a different reply!! it's driving me crazy!

Let's say a 110k salary. I was advised that the best calculator was lohncomputer which shows 7256 net per month. That's around 19-20% in overall taxes.

A friend who works in Zug told me that from her gross salary she sees -5% on her monthly payroll. Granted her salary could be lower so different tax applies, but a 15% difference??

Comparis says 14.5% for example...

I am still not clear what the net salary one gets at Zug is after ALL different taxes have been applied. (Single, no kids, no church tax)
lohncomputer also calculates all the other deductions such as...

AHV is 5.15 this is 1st Pillar Old age pension and insurance for surviving dependents (OASI), disability insurance (DI) and EO (replacement of wages)

UI - unemplozment insurance 1% of your salary up to 105K.

2nd Pillar pension plan. I have 4.6% reomved but I think this increases with age. Employers pay at least 50%. your contribution should be somewhere between 4.5 and 10%. Probably on the lower end of that.

Accident insurance is 0.9% but a lot of employers pay this.

Comparis withholding tax calculator just does the income tax.

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I am EU, single, no kids and will probably get a B permit.

I assume I will be taxed at source (Quellensteuer ) as noone said otherwise from the company and it's the norm for EU afaik.

I emailed the company so hopefully that should clear things a bit. To be honest I am surprised there's not a super duper calculator that takes into account all different cases. I wouldn't mind paying for it either, as long as it was accurate!

Will update with details when i found out. If all taxes/deductions come under 20% I'll be a happy man. (Compared to UK's 40% income+ 10% NI everything looks better)
http://www.lohncomputer.ch/ is basicallz it. This will be an accurate estimate of your take home salary.

Dont forget you also pay Health insurance separately.
About 300 CHF per month, comparis has a calculator for this.

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Hi all


Comparis says 14.5% for example...
I expect you used the normal tax calculator here
You should use the withholding tax calculator

Last edited by 3Wishes; 14.10.2014 at 14:39. Reason: merging successive posts
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Old 14.10.2014, 14:21
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Re: Brutto vs. Netto [salary] in Zug

Whatever it is, it'll be considerably less than what you pay in the UK
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Old 14.10.2014, 14:52
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Re: Brutto vs. Netto [salary] in Zug

Netto is after obligatory deductions (pension, insurances, etc.), but pre income tax.

Tom
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Old 14.10.2014, 16:49
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Re: Brutto vs. Netto [salary] in Zug

Confirmed should be around 17% for all deductions without including health insurance, Radio/TV fees, Water etc so overall I would say 20% sounds about right.

Not too bad
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