Calculate your Swiss income and wealth tax instantly — federal, cantonal, and municipal tax combined, in English.
Switzerland's three-tier tax structure makes calculating your actual tax burden more complex than in most countries. The Avenzo Swiss Tax Calculator uses the official 2025 tax tables from the Federal Tax Administration (FTA / ESTV) and all 26 cantonal authorities to give you an accurate estimate.
What the Calculator Covers
Income Tax
- Federal direct tax (Direkte Bundessteuer): Progressive rates from 0% to 11.5% of net taxable income — identical across all cantons
- Cantonal income tax: Set by each canton — rates and deductions vary significantly
- Municipal tax (Gemeindesteuer): A multiplier applied to the cantonal tax, set by your municipality — varies within each canton
Input variables:
- Canton and municipality of residence
- Gross employment income (Bruttolohn)
- Family status (single / married / registered partnership / single parent)
- Number of children
- Estimated deductions (Pillar 3a, commuting, childcare, professional training)
Wealth Tax
Switzerland is one of the few countries that taxes net wealth annually. Wealth tax is levied by cantons and municipalities (not federally).
Input variables:
- Bank accounts (Swiss and foreign)
- Investment portfolios (stocks, bonds, ETFs — at year-end value)
- Property (cantonal assessed value or market value, depending on canton)
- Cryptocurrencies (year-end market value)
- Outstanding mortgage and consumer debt (deductible)
How Swiss Taxation Works — A Quick Overview
Step 1: Determine taxable income
Gross income minus allowable deductions:
- AHV/BVG contributions (automatically deducted — not re-deductible)
- Pillar 3a contributions (up to CHF 7258/year for employees)
- Commuting costs (CHF 0.70/km or actual public transport cost)
- Professional training (up to CHF 12000/year)
- Meals outside the home (up to CHF 3200/year)
- Childcare (up to CHF 25500/child/year)
- Health insurance premiums (flat rate: ~CHF 2800 single, ~CHF 5600 couple)
- Mortgage interest (100% deductible for property owners)
Step 2: Apply tax rates
Federal rates are tabulated (progressive). Cantonal rates vary — and are applied to the same taxable income base.
Step 3: Apply municipal multiplier
The municipal tax = cantonal tax × the Steuerfuss (tax multiplier) of your municipality, expressed as a percentage (typically 70–160%).
Tax Rate Comparison — Canton by Canton
The total combined tax burden on income and wealth varies significantly between cantons. For a single person earning CHF 100,000 gross in the city of residence, approximate combined income tax burdens (2025):
| Canton / City | Approximate combined tax (CHF 100k gross, single) |
|---|---|
| Zug (city) | ~CHF 13,500 |
| Nidwalden (Stans) | ~CHF 14,500 |
| Schwyz (city) | ~CHF 15,000 |
| Zurich (city) | ~CHF 22,000 |
| Bern (city) | ~CHF 24,500 |
| Geneva (city) | ~CHF 25,000 |
| Basel-Stadt | ~CHF 23,000 |
Indicative figures based on 2025 rate schedules. Use the calculator for your exact situation.
The difference between living in Zug and Bern on the same income: approximately CHF 10,000/year in tax savings. For high earners, this differential is even more pronounced — one of the reasons Zug and Nidwalden attract senior executives and international professionals.
Withholding Tax vs. Ordinary Assessment — Which Calculator to Use?
If you pay withholding tax (Quellensteuer — B permit, G permit):
The standard tax calculator gives you the ordinary assessment equivalent — useful for comparing your withholding tax against what you would pay under the NOV. However, your actual deducted amount is calculated using the official withholding tax tariff tables.
→ Withholding tax guide and NOV comparison
If you file an ordinary tax return (C permit, Swiss citizen):
The full tax calculator applies — all deductions can be modeled.