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Old 27.02.2019, 18:20
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ZUR selbständig AHV, or, differential equations for dummies

Hey all

So, due diligence - I tried searching the forum, and can't find a good match to my particular problem.

Due to Reasons, I should end up selbständig in Zurich. Due to other Reasons (mainly, justifiability and countability), we would like to set my annual compensation to a sum that is equivalent a salary X back at home base - that is, I receive X into my bank account, the employer having deducted applicable social security and insurance costs.

I have navigated myself to SVA Zurich and used a test sum (X=100.000) to figure out what I should be suggesting as my compensation. The total Jahresbeitrag with that sum is 12.000 and a bit.

So.. uh, how on earth should I calculate a compensation that is equivalent to 100.000 after deductions? If I plug in 112.000 instead, and we need 1.500 more to cover the AHV/IV payments. Fine, but then we'll have the 2nd Pillar costs and a couple of insurance policies more, not totally negligible, and... we end up with a bloody differential equation.

I could probably cope with that, but then I'm confused with the Beitragspflichtige Einkommen calculated from the net income. For X=100.000 this is 110.600. Wait, is _this_ what I could jovially ask the employing party to compensate me, and I declare 100.000 to SVA, and live happily ever after? No? Yes? Help?

Am I looking at the numbers right at all? Maybe I'm overcomplicating this and should just add something approximate and not worry about a few thousand here and there?
Or is it this unintuitive, and it's just my fault being in a weird situation?


To top it off, on the phone an SVA representative quoted an annual Beitrag about half as much as I'm seeing here, _and_ I'm getting conflicting information from OH, so.. yeah, I'm a bit WTF.

Appreciate your insights. I also think I'll go meet someone at SVA in person, maybe I'll be able to clarify my confusion better that way.
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Old 27.02.2019, 18:55
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Re: ZUR selbständig AHV, or, differential equations for dummies

Don't calculate with amounts, calculate with percentages.

Random example:

Lets say you pay 9% for one thing, and 2% for another, and 1,5% for something else.

So a total of 9%+2%+1,5% has to be paid to end up with your nett income, that totals to 12,5%

So 100.000,- = 100% minus 12,5% = 87.5%

Now you know that 100.000,- = 87,5% of your income before taxes and stuff.

So total income has to be 100.000 x (100/87.5) = 114.285,71
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