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CHF 11’848
is what you’ll pay in income and wealth tax for 2026.
- Federal 0
- Canton 0
- Commune 0
- Church 0
- Wealth and other 0
You’re taxed at source, so this isn’t your bill.On a B or L permit under CHF 120’000, your employer takes the tax straight out of your pay and you usually don’t file a return. The figure above is what you’d pay under ordinary assessment, which is still the right way to compare communes. Earn CHF 120’000 or more and you get assessed the ordinary way, on this basis, for the whole year.
The federal tax service didn’t answer.Nothing here is a guess, so we’d rather show you nothing than an estimate.
Your details
Nothing you type is stored. Your figures go straight to the federal tax administration’s own calculator and come straight back. We never see them, and nothing is saved to your browser.
Your commune, not just your canton. Each one sets its own multiplier, and moving one village over can change your bill by thousands.
CHF 100’000
Before anything comes off. This isn’t your taxable income, and the gap between the two is most of what this page is about.
Married couples get taxed on their joint income.
Each one brings a deduction, and your canton and the federal government rarely agree on how much.
B and L change which system taxes you.
Only if you’re a registered member. Leaving the church stops it.
Your pension contribution climbs with age, which changes what’s left to tax.
Cantons tax wealth. The federal government doesn’t.
Gross to taxable
Where your money goes before anyone works out a single franc of tax. Your canton and the federal government don’t allow the same deductions, which is why these two columns disagree.
| Step | Canton | Federal |
|---|
Free: the Swiss tax return checklist
Every document and every deduction, in one PDF. Four pages, straight to your inbox, no spam.
Who we recommend: Ynoves AG
Most people don’t need an accountant. If your return is one salary, one bank account and a 3a receipt, file it yourself, it’s an evening’s work. Get help when it stops being simple: you own property, you’re self-employed, you’ve got income or accounts in another country, your employer pays you in shares, or you’re about to take pension capital as a lump sum. That last one is where the numbers on this page stop being the whole story.
Ynoves is a fiduciary and tax advisory firm five minutes from Zug, working with private clients and companies across the country: tax returns, planning and representation, pensions, inheritance. We know the team, we use their services ourselves, and they speak proper English, which matters more than you’d think when the Steuererklärung lands in January.
One more reason they get the recommendation: a lot of Swiss «advisors» are really commission salesmen, and the classic move is packaging life insurance into your pillar 3a. That exact play cost us tens of thousands, and it is the reason this site exists. A trusted tax advisor bills you for advice, full stop. That is what you get here: no product pitches, no policies smuggled into your pension.
Ynoves sponsors this calculator and we know the founders personally. As always: opinions are our own, readers before commissions. Every figure above is computed from official federal (ESTV) data, not by them. This page is general information, not tax advice. Full disclaimer.
Questions people ask
Where do these numbers come from?
Straight from the Swiss Federal Tax Administration. Every time you change something, this page asks the ESTV’s own calculator and shows you exactly what it returns. We don’t model Swiss tax law ourselves and we don’t estimate anything. If the federal service is down, this page tells you so instead of guessing.
Why does my commune matter so much?
Because it sets its own multiplier on top of the cantonal rate. On the same CHF 100’000 salary, a single person pays about CHF 5’300 in Zug and about CHF 18’100 in Neuchâtel. That’s more than three times the bill for identical work and identical income.
It’s the single biggest lever most people have, and it’s the one nobody tells you about when you’re flat hunting.
What’s the difference between gross and taxable income?
Gross is what your contract says. Before tax is worked out, your AHV, unemployment insurance, accident cover and pension fund contributions come off, which gets you to net. Then deductions come off that: professional costs, insurance premiums, children, and so on. What’s left is taxable income, and that’s what the rate applies to.
On a CHF 100’000 salary in Zurich the difference is roughly CHF 16’000. Quote yourself the wrong one and you’ll be out by thousands.
I’m on a B permit. Does this apply to me?
Partly. Under CHF 120’000 you’re taxed at source: your employer deducts it and you usually don’t file a return, so this isn’t the bill you’ll receive. It’s still a fair way to compare one commune against another.
At CHF 120’000 or more you’re assessed the ordinary way for the whole year, and then these numbers are the ones that matter.
Does this include church tax?
Only if you tell it you’re a registered member. Set church tax to «not a member» and it comes out at zero. In most cantons it runs somewhere between 8 and 15 percent of your cantonal tax, so it’s not nothing.
Which tax year is this?
2026, for all 26 cantons. We checked every cantonal capital directly against the federal service and each one returns its own 2026 figures.
Is this tax advice?
No. It’s a calculation using official federal data, and it assumes one employed salary and no other income. Property, self-employment, income in another country, shares from your employer or a lump sum out of your pension all change the picture. Your real assessment comes from your cantonal tax office.
Source: Swiss Federal Tax Administration (ESTV).
This calculator is custom software built by Investing Hero. Link to it or quote the figures freely, but the application itself may not be copied, reproduced or republished.
This is a calculation, not tax advice. It assumes one employed salary and no other income. Your actual assessment comes from your cantonal tax office.