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Old 07.01.2021, 01:31
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Swiss Brutto Netto Calculators

Greetings from Germany and a Happy New Year !

My Wife is about to sign a Contract in CH and I am struggling with the Brutto / Netto Calculators, as it seems there are so many and each one gives a different answer.

Lets assume salary Brutto is 100K, paid via 13 Salaries.

As she is Swiss and we have 2 Kids, I would kindly ask for your opinion if what I do is correct:

* Enter the Brutto Value, 2 Kids, choose a Kanton, then I get the Netto after all so called Deductions.

* Then this Netto Value I should check in the Kanton Steuer website ?

Is there any Calculator that is actually legit? How is the 13th Salary calculated in these Calculators?

I thought to ask here if you know any Tax Adviser I can pay for such a quick calculation... Thanks for any Tip !
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Old 07.01.2021, 07:48
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Re: Swiss Brutto Netto Calculators

Your process is correct.

It's difficult because the brutto to netto calculation includes contribution to pension plan which are different in each company.

If you want real precise, you need to ask the company to do a payroll simulation for.

Also you will receive child allowance which increases your brutto, they depend on canton and age of children.

K
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Old 07.01.2021, 10:46
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Re: Swiss Brutto Netto Calculators

"Brutto" is gross in English.
"Netto" is net in English.

Considering you are married to a Swiss person you will have to do a regular tax return. In that case the combined worldwide annual income of both partners is important for calculation of the income tax.

The gross/net calculator at https://www.lohncomputer.ch/ is for tax at source which does not apply in your case (you could still use it but you would have to disregard the tax at source part).

The simplest calculator for your situation might be the one on the federal website:
https://swisstaxcalculator.estv.admin.ch/#/home

Social security contributions are 6.4% for the employer paid income up to CHF 148 k and 5.8% for the part of the employer paid income above CHF 148k.

Be aware that the accident insurance and pension fund contributions are just guesstimates. Contact your employer to get the actual numbers. If you do this also request the pension fund plan and last years performances. There can be quite some hidden beef in this.

Child/family allowance is taxable income but not subject to social security contribution. It depends on canton of residence and canton of employment but it is at least CHF 200 per child per month.
https://www.bsv.admin.ch/bsv/en/home...erte/famz.html

Tax deductions are also guestimates and depend on the distance between place of residence and place of work and on your overall situation.

Be aware that regular health insurance is not included in this calculations. These have to be paid separately and is mandatory.

Be aware that any global income and any global wealth is taxable! However, foreign real estate does on influence the tax rate but is not directly taxed.

In conclusion: Any calculator can only give you a ball park figure.
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Old 07.01.2021, 12:11
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Re: Swiss Brutto Netto Calculators

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"Brutto" is gross in English.
"Netto" is net in English.

Considering you are married to a Swiss person you will have to do a regular tax return. In that case the combined worldwide annual income of both partners is important for calculation of the income tax.

The gross/net calculator at https://www.lohncomputer.ch/ is for tax at source which does not apply in your case (you could still use it but you would have to disregard the tax at source part).

The simplest calculator for your situation might be the one on the federal website:
https://swisstaxcalculator.estv.admin.ch/#/home

Social security contributions are 6.4% for the employer paid income up to CHF 148 k and 5.8% for the part of the employer paid income above CHF 148k.

Be aware that the accident insurance and pension fund contributions are just guesstimates. Contact your employer to get the actual numbers. If you do this also request the pension fund plan and last years performances. There can be quite some hidden beef in this.

Child/family allowance is taxable income but not subject to social security contribution. It depends on canton of residence and canton of employment but it is at least CHF 200 per child per month.
https://www.bsv.admin.ch/bsv/en/home...erte/famz.html

Tax deductions are also guestimates and depend on the distance between place of residence and place of work and on your overall situation.

Be aware that regular health insurance is not included in this calculations. These have to be paid separately and is mandatory.

Be aware that any global income and any global wealth is taxable! However, foreign real estate does on influence the tax rate but is not directly taxed.

In conclusion: Any calculator can only give you a ball park figure.
Just to avoid confusion... although the numbers are the same, where you have written employer, it should be employee.
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Old 07.01.2021, 12:31
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Re: Swiss Brutto Netto Calculators

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Just to avoid confusion... although the numbers are the same, where you have written employer, it should be employee.
Employer paid income == Income which is paid by an single employer. In contrast to other income, like income from self employment where the numbers would be 12.8% and 11.6% respectively.
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Old 07.01.2021, 15:00
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Re: Swiss Brutto Netto Calculators

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Employer paid income == Income which is paid by an single employer. In contrast to other income, like income from self employment where the numbers would be 12.8% and 11.6% respectively.
Sorry my misunderstanding. You are 100% correct.
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Old 08.01.2021, 00:54
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Re: Swiss Brutto Netto Calculators

Thank you all for your kind replies ! We will ask indeed for a Salary Simulator.
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Old 08.01.2021, 01:12
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Re: Swiss Brutto Netto Calculators

When they do the calculation it will also depend on whether you will be a single-income family.



In Switzerland, married couples are taxed together, so your income counts as well for working out which tax bracket you are in.


Because she is Swiss, the main tax will not be taken out 'at source' - you will need to pay it in but fill a tax return at the end of the year.



13th salary is generally just made from the company holding a little from each salary then paying it back at another time of the year - usually half just before summer break and half just before christmas. As taxes will be calculated yearly, it does not matter for that if you are paid '12' or '13' times in the year... generally from what I can tell the two higher salary amounts fit with paying off your annual tax bill, and covering christmas extras or some of your health insurance.


On that sort of salary with kids the total deductions will be around 15% plus the compulsory health insurance costs will be 200-250chf/month per adult, and between 70-150 per child, depending on their age... and that's after tax/deductions.



These are very broad figures. The cost of living has been discussed a thousand times on this forum - I suggest getting familiar with the search button and seeing what else you can dig up (I've been here for 12+ years, this forum was one of the only sources of real info in English back when we first arrived, but these days with google translate and so many websites already in English, the info can be overwhelming!).
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