About FinanzCalc
FinanzCalc is an educational project that helps people in Switzerland understand how everyday financial decisions work.
Important disclaimer
Results are simplified estimates. Swiss tax, social insurance and pension rules differ between cantons and change every year; personal circumstances (marital status, residence permit, religion, municipality) matter. Nothing here is tax, legal, insurance or investment advice. Always confirm figures with official sources or a licensed adviser.
Parameters used (2025/26)
- AHV/IV/EO: 5.3 % employee share; ALV: 1.1 % up to CHF 148’200
- AHV pension: CHF 1’260 to 2’520 per month
- Pillar 3a: CHF 7’258 (with pension fund), up to CHF 36’288 (without)
- BVG: entry threshold CHF 22’680, coordination deduction CHF 26’460
- VAT: 8.1 % / 2.6 % / 3.8 %; withholding tax 35 %
These values live in src/calc/00-core.js and are easy to update.
Languages
The site is available in English, German, French and Italian. Legal terms are given in the language of each page; check the official text in your language when in doubt.
Privacy
All calculations happen in your browser. The site uses no cookies, tracking or external requests.