Relokea
Your Swiss salary, from gross to net — and to what really remains
A Swiss gross impresses; what counts is what remains. This simulator applies the real employee contributions (AVS/AI/APG, unemployment, LPP), tax by your canton AND status, and your health-insurance choice — with verified 2026 rates.
Your situation
Estimated monthly net
5'495 CHF/month
on 7'500 CHF gross/month · Tax at source (Geneva, official AFC-GE scale)
Social contributions
1'080 /month
Tax
925 /month
Health insurance (LAMal)
489 /month
📍 Geneva: taxation AT SOURCE in Switzerland (1973 agreement), not in France.
The Geneva withholding scale is milder than a resident’s ordinary tax: at equal income, you pay less tax than a canton inhabitant. The gap then widens on RENT and TRANSPORT.
💡 Health option right: LAMal ~489 CHF/month vs CMU ~467 CHF/month.
⚖️ Indicative estimates (2026 rates, sources last reviewed 16.07.2026) based on official averages — they don’t replace personalised tax advice or the official cantonal simulators. The detailed tax breakdown (each country’s official scale, sourced line by line) is in the Decision Engine.
How to read the result
- Social contributions: AVS/AI/APG 5.3%, unemployment 1.1% (up to 148,200 CHF — the solidarity percent above was abolished in 2023), LAA and LPP (age-dependent: we take an average).
- Tax: in Geneva as a cross-border worker = at source; 1983 cantons = taxed in France; resident = ordinary tax. The simulator tells you which regime it applies.
- LAMal vs CMU (cross-border France): the option right at a glance — for the full decision, read the dedicated guide.
Is your case richer than a simulator? The Decision Engine compares your full scenarios (cantons, statuses, rent, remote work, family) and delivers a reasoned verdict, exportable as PDF.
Official sources
- AVS/AI — employee contributions · FOPH — 2026 premiums · URSSAF — CMU (accessed 16.07.2026)