Contribution Calculator for Swiss AVS/AI/IPG 2026

Calculate contributions to Swiss social insurance (AVS, AI, IPG, and AD) for employees and self-employed in Switzerland in 2026.

Work Activity Data

Contribution Calculation

Annual worker contributions.
CHF 6'375.00
Contribution from employment income per annum.
CHF 6'375.00
Net salary (after worker contributions)
CHF 93'625.00
Worker earnings account for 4.35% of total compensation.CHF 4'350.00
Employer contribution rate (4.35%)CHF 4'350.00
At worker (0.7%)CHF 700.00
Worker's wage (0.225%)CHF 225.00
Concise - up to CHF 148,200 (1.1% interest)CHF 1'100.00
Total Labor ContributionsCHF 6'375.00
Pension plan (pension fund / 2nd pillar) is not included and varies depending on the pension fund and age.

Come utilizzare Calcolatore Contributi AVS/AI/IPG Svizzera 2026

Insert gross salary or annual income

Salary subject to AVS (gross salary minus allowances for expenses). For self-employed individuals: taxable income from independent activity.

Select Professional Status

Employees split contributions with employer (50% each). Self-employed pay entire contribution (around 10%).

Indicate retirement age

People who already perceive the AVS income can continue working with reduced contributions. The franchise is CHF 1,400/month.

Understand how contributions are distributed

AVS (8.7%), AI (1.4%) and IPG (0.45%) are split equally. The AD (2.2%) applies only to salaries up to CHF 148,200.

Suggerimenti

  • Contribution to AVS is deductible for tax purposes and directly reduces taxable income.
  • Independents can deduct up to 25% of income for pension contributions (second pillar).
  • Contribute gaps (e.g., foreign stays) can cause income gaps: it's convenient to pay back contributions on time.
  • The AVS rental is calculated on the average income of all years of contribution: start paying contributions early, it's convenient.

Domande frequenti

What is the difference between AHV, IV and EO?

AHV (old-age and survivors' insurance) guarantees old-age pensions. IV (disability insurance) covers disability. EO (loss of earnings compensation) pays during military service, civilian service and maternity.

Does the employer have to pay the same contributions?

Yes. Employers pay the same amount as employees (parity contributions). In total, employees and employers together pay AHV 8.7%, IV 1.4%, EO 0.45%, ALV 2.2%.

From what income level is ALV no longer paid?

ALV (unemployment insurance) is only levied on salaries up to CHF 148,200 per year. No ALV contributions are due on the portion of salary above that.

What is the minimum contribution for people without gainful employment?

People without gainful employment (e.g. homemakers, students) pay at least CHF 514 per year in AHV/IV/EO. The exact amount depends on the wealth and pension of the spouse.