Swiss payslip: template, net calculator and all 2026 deductions explained
Gross is in the contract, but what finally lands in your account is a completely different number. In between lie the Swiss salary deductions: AHV, ALV, accident and pension fund. We explain every line of your payslip, show the current 2026 rates, work out with the net calculator what really remains, and generate a clean payslip template in 30 seconds.
📋 What belongs on every payslip
A clean payslip answers one question crystal clear: how do you get from gross to net salary? You need the details of employer and employee, the pay period (month or hourly statement), the gross salary with all allowances, the deductions listed one by one, and at the end the net salary that is paid out.
The key thing is traceability: each deduction appears with its rate and amount, not as a lump sum. The employee thus sees exactly what goes to AHV, ALV, accident insurance and the pension fund. Whoever wants to know whether the gross salary is in line with the market compares it with the Swiss averages in the salary guide.
✂️ The 2026 salary deductions explained
Before your gross even reaches your account, four deductions have already struck, on almost every Swiss payslip. AHV/IV/EO covers old age, disability and loss-of-earnings compensation, the employee bears 5.3%. ALV (unemployment insurance) costs 1.1% up to an annual salary of CHF 148,200. Non-occupational accident insurance (NBU) is paid by whoever works at least 8 hours per week for the same employer, the rate depends on the company. The pension fund (BVG), finally, depends on age and is calculated on the coordinated salary. The exact net is given by the calculator below; where your gross sits in the Swiss salary comparison and how to ask for more is shown in the pay-rise guide.
| Abzug | Satz (Arbeitnehmer) | Basis |
|---|---|---|
| AHV / IV / EO | 5.3% | whole gross salary |
| ALV | 1.1% | up to CHF 148,200/year |
| NBU (accident) | company-dependent | from 8 h/week |
| BVG (pension fund) | 7–18% (by age) | coordinated salary, employer ≥ ½ |
| Withholding tax | if liable | e.g. without C permit |
🧮 ConvivaPlus net calculator: what's left of the gross?
Enter the gross monthly salary and age, we calculate the 2026 deductions and the net
Example value (SESS median): change your salary above for your figures.
Where your pay goes
📊 Your gross salary vs. Switzerland
Source: FSO Swiss Earnings Structure Survey 2024 (gross monthly salary, full-time). Scale P10 CHF 4'635 – median 7'024 – P90 12'526.
Simplified ConvivaPlus estimate with the 2026 rates. NBU at 1.4% as a guide value (company-dependent), BVG at the statutory minimum rate and the employee half on the coordinated salary. Withholding tax and voluntary deductions not included. Without warranty.
The ConvivaPlus net calculator works out the deductions using the official 2026 rates (AHV/IV/EO 5.3%, ALV 1.1%, NBU and BVG) and shows you the effective net salary, per the ConvivaPlus analysis.
📌 Duty, form and retention
The payslip is not a friendly extra, it's a duty. Under CO Art. 323b the employer must hand the employee a written statement at every salary payment, electronic being allowed. It must be traceable, so the employee understands every deduction. Once a year there's also the salary certificate for the tax return, likewise drawn up by the employer.
🚦 Compliance check: is your payslip legally compliant?
Put your latest payslip next to this and answer three questions: the ConvivaPlus compliance check tests it against the mandatory components under Art. 323b CO. If itemised deductions or the separate gross and net pay are missing, it is not compliant (🔴) — and you are entitled to a correct, traceable statement.
🚦 ConvivaPlus payslip check
Three yes/no questions → green, amber or red. Tests your payslip against the mandatory components under Art. 323b CO.
Are all social deductions (AHV/IV/EO, ALV, poss. BVG, NBU) itemised individually with amounts?
Are gross pay and net pay paid out shown separately?
Do you receive the statement in writing (paper or electronic)?
How the ConvivaPlus payslip check judges: it tests, according to ConvivaPlus, the three mandatory components that decide compliance — every social deduction itemised, gross and net pay separated, and the written handover with every payment (Art. 323b CO). Missing itemisation turns red, missing written form amber.
📝 Creating a payslip in 5 steps
Five steps, and the statement is correct, traceable and legally compliant.
- 1Set the gross salaryEnter the base salary, plus any allowances such as the 13th salary, overtime, holiday or public-holiday compensation for hourly wages.
- 2Calculate the deductionsDeduct the social contributions: AHV/IV/EO 5.3%, ALV 1.1%, NBU and BVG. The net calculator above does the maths for you.
- 3Show the netGross minus deductions gives the net that is paid out. List each deduction separately with its rate and amount.
- 4Create and hand over the statementCreate the written statement with the generator below. The employer hands it over at every salary payment (CO Art. 323b).
- 5RetainBoth sides keep the statements. They serve as evidence for taxes, credits and any audits by the compensation office.
Note: journalistic guidance with the 2026 rates, not salary or legal advice. Your employment contract, the pension fund and cantonal rules prevail. NBU and BVG rates vary by company and fund.
✉️ Payslip generator
Fill in, get a complete payslip with all deductions. Copy or as PDF. Free.
Payslip
Period (e.g. June 2026)
Employer (name): …
Employee (name): …
| Gross salary | CHF 0 |
| AHV/IV/EO (5.3%) | − CHF 0 |
| ALV (1.1%) | − CHF 0 |
| NBU (approx. 1.4%) | − CHF 0 |
| BVG (pension fund) | − CHF 0 |
| Net salary (paid out) | CHF 0 |
Template with the 2026 rates, without warranty. NBU and BVG are guide values and depend on the company and the pension fund. Handle withholding tax separately.
The most important figure on the payslip is not the gross, but the gap to the net. Whoever understands it negotiates their salary more cleverly.
Why do you need a payslip?
One click – anonymous, no sign-up required.
What you really need to know about the payslip
Based on the CO and the official 2026 figures from the FSIO
People also ask
Related questions from our magazine
We reviewed the CO, the 2026 FSIO figures and standard payroll practice. The ConvivaPlus verdict: a good payslip is one nobody has to ask about. Each deduction separately, with rate and amount, from gross to net. For employees, a look at the BVG deduction pays off, as it rises noticeably with age. And whoever wants to place their own gross compares it with market values, instead of only looking at the net.
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ConvivaPlus Editorial
TemplatesResearched and verified. Facts, not opinions.
Last updated:
All information without guarantee. Found an error? → support@conviva-plus.ch
The pension fund (BVG) is calculated only on the coordinated salary, i.e. gross minus the coordination deduction (2026: CHF 26,460). The deduction is therefore small on low salaries and rises noticeably with age and salary.
Discussion
3 voices from the community
Han zerst dänkt, de Nettorächner sig z schön zum wahr si, aber d Zahle stimmed mit minere Abrächnig überii. Sehr praktisch, merci.
Als Kleinunternehmerin mach ich die Löhne selber. Die Vorlage spart mir jeden Monat Zeit, und die Abzüge stimmen mit meiner Treuhand überein. Top.
Endlich versteh ich, warum bei mir der BVG-Abzug nach dem 45. Geburtstag plötzlich höher war. Der Rechner zeigt das schön auf. Hätte ich früher gewusst.
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Templates · 07/01/2026