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Old 25.10.2009, 13:42
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Breakdown of tax & social security payments

HI, I am considering a job offer in Fribourg, currently I live in Italy. Here I am on a salary of €50k and the job in Fribourg is around 100000 Fr. On the face of it it seems that the new salary is much higher. But I am concerned about how much I will receive net at the end of each month. I have tried to do some research and found that there are cantonal taxes and federal taxes so I am a bit confused as to the actual payments I would need to make each month.

On a monthly salary of, say, 8500 FR, how much of that could I expect to lose in tax and social security payments? If anybody can help me out with an experienced (and basic) explanation I would be very greatful.

For things such as cost and standard of life in Fribourg, I am posting elsewhere here too
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Old 25.10.2009, 15:36
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Re: Breakdown of tax & social security payments

Deduction for social security, AHV, is 5.05%, unemployment insurance 1%, pension fund 6-12%, accident/sick insurance around 2%.

You always have to pay your share of 5.05% to the AHV and, dependent on your employer's pension scheme, approx. 6 to 12% to this fund. A generous employer will pay your premiums for unemployment and accident/sick insurance. Make sure these things are cleared before you sign that paper.

Accident insurance consists of a part that covers accidents on the job and a part that covers accidents while your off work, say cycling, skiing, climbing ...

Sick insurance consists of a part that deals with your treatment and a part that deals with your salary while your unable to work.
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Old 26.10.2009, 16:08
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Re: Breakdown of tax & social security payments

thanks rpf, so I can expect to pay out 12-18% each month on salary, then taxes (of which I am still unsure).

I believe the canton tax for the salary bracket of 100000 is around 12% for Fribourg. And then federal tax on top?

Would a ball park figure of 40% of my total salary on taxes, pension, and social security and insurance seem correct?
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Old 26.10.2009, 16:11
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Re: Breakdown of tax & social security payments

No such thing as federal tax.

So ~ 25-30% total deductions from paycheque.
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Old 26.10.2009, 16:40
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Re: Breakdown of tax & social security payments

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No such thing as federal tax.

So ~ 25-30% total deductions from paycheque.
Really??

So it is just the canton tax that I need to consider as income tax? Does your 25-30% include everything? (tax/ various insurances/pension (state/private)/social security)

25-30% with pension included sounds very good actually!!

Thanks
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Old 26.10.2009, 20:40
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Re: Breakdown of tax & social security payments

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No such thing as federal tax.

So ~ 25-30% total deductions from paycheque.
Why do you say there is no federal tax? Everyone I know pays it.
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Old 27.10.2009, 11:33
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Re: Breakdown of tax & social security payments

Dear Hodgedob,

May I ask you if this is as a freelance or fulltime employee ?

It depends on a number of things, your own personal status for the start.

Are you married, kids, churchgoer (yes it makes a difference) .....

Where will you live ?

Age ?

Will you be taken on the LPP 1 + 2....

Let me know if you wish and with the above information I can construct a calculation for you which will give you clear indication on what you can expect your net monthly income to be.

All the best for now.
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Old 27.10.2009, 11:52
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Re: Breakdown of tax & social security payments

Depends a lot on your personal circumstances; married, kids etc etc. You will also probably pay tax at source, so will pay a little more than if you pay swiss tax. Also, will you receive a 13th salary?
100k in Fribourg is a pretty tidy salary for a single and I would expect you to come out with around 6k a month. My salary is similar to yours and my social security, pension etc is around 900.-. Tax is more difficult to estimate, but http://appl.fr.ch/scc/baremes/bareme_a_2009.pdf shows you a breakdown of rates of tax at source.
At a monthly brutto of 8500, you'll pay 17.01% tax (1445.-).
So, 8500-1445-900 gives you 6155.-. More or less my 1st estimate.
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Old 27.10.2009, 21:42
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Re: Breakdown of tax & social security payments

http://www.accurity.ch/revenueestimate/
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Old 05.11.2009, 19:45
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Re: Breakdown of tax & social security payments

Thanks to all of you that posted responses, you have helped a lot believe me!!

Just to give some more info I am 31, single and not a practising Christian. I would be paying tax at source.

From the website bill_door posted it seems the 6000-6500 net is about right, making net around 68% of gross income. That doesn't sound too bad to me, I'm sure it must be better than England.
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Old 06.11.2009, 04:31
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Re: Breakdown of tax & social security payments

the only other thing to factor in is compulsory health insurance, about 250chf a month...for your compulsory cover...you can shop around and get various options, but the compulsory cover is legislated and 'standard'.

That salary is very comfortable for a single...the cost of relocating adds up, but after the first 6-12 months you should be really enjoying the lifestyle and finding plenty of fun things to spend your money on...

Getting an apartment won't be that easy, but you can probably afford something that's a little 'overpriced'.
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Old 06.11.2009, 14:26
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Re: Breakdown of tax & social security payments

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Getting an apartment won't be that easy, but you can probably afford something that's a little 'overpriced'.
Not in Fribourg and the surrounding area, there's stacks of empty appartments, and more being built.
 

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