Guides
Short explanations with worked examples and official sources.
How much is CHF 5'000 gross after deductions?Worked example: from CHF 5'000 gross per month to net pay in 2026 with AHV/IV/EO, ALV, BVG and NBU. What a 13th salary and withholding tax change.Health insurance deductible: which one pays off?Deductible CHF 300 or 2,500? How to work out the total yearly cost from premiums, deductible and co-payment, with a step-by-step example.Withholding tax with a B permit: how it worksWho pays Swiss withholding tax, how to read the tariff code, when to request a subsequent ordinary assessment (NOV) and how to estimate the amount.Unemployment benefit: how much will I get?70% or 80% of insured earnings: how the Swiss unemployment daily allowance is calculated, with three examples and the maximum number of daily allowances.First job in Switzerland: what is on your payslipAHV, ALV, BVG, NBU and withholding tax explained for people starting work in Switzerland, with an example at age 22 and 26.Switching health insurer by 30 NovemberHow to cancel your basic health insurance for 1 January 2027: deadlines, registered letter, changing your deductible and when a cancellation is not valid.