AHV Rechner 2026: Lohnabzüge für AHV, IV, EO und ALV vom Bruttolohn berechnen
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 16 Oct 2026.Vom Bruttolohn gehen in der Schweiz 5,3 % für AHV, IV und EO ab und 1,1 % für die ALV bis zu einem Lohn von CHF 148 200 im Jahr (CHF 12 350 im Monat). Die Arbeitgeberin zahlt denselben Betrag noch einmal. Beispiel: Bei CHF 7 000 im Monat sind es CHF 371 plus CHF 77, zusammen CHF 448, und es bleiben CHF 6 552 vor BVG, Unfallversicherung und Quellensteuer.
2026 · Rates and rules read from the sources listed on this page (the earliest on 16 Oct 2026); they may have changed since.
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This calculator works out the federal social-security deductions on a Swiss salary: old-age and survivors' insurance (AHV), disability insurance (IV), income compensation (EO) and unemployment insurance (ALV). It follows the 2026 leaflets of the Informationsstelle AHV/IV.
A worked example. CHF 7,000 a month: AHV CHF 304.50, IV CHF 49.00, EO CHF 17.50, ALV CHF 77.00. Total CHF 448.00, pay after these deductions CHF 6,552.00. The employer adds CHF 448.00, so the salary costs CHF 7,448.00.
Past the reference age. People still working at 65 or older pay AHV, IV and EO on salary above CHF 16,800 a year (CHF 1,400 a month) and no ALV. They can ask the employer to skip the allowance to raise their pension.
The rest of the article, and all 6 questions about Switzerland AHV Deductions Calculator 2026, are on the Switzerland AHV Deductions Calculator 2026 page.
Employees pay 5.3% of gross salary for AHV, IV and EO together: 4.35% old-age and survivors, 0.7% disability and 0.25% income compensation. The employer pays another 5.3%, making the 10.6% total in the AHV/IV leaflet 2.01. On CHF 7,000 a month that is CHF 371 from the employee.
Unemployment insurance (ALV) costs 2.2% of salary up to CHF 148,200 a year, split equally, so the employee pays 1.1%. A monthly payroll caps the salary at CHF 12,350. Since 1 January 2023 no ALV is due on pay above the ceiling, so a CHF 15,000 monthly salary pays CHF 135.85.
Yes, people still working past the reference age keep paying AHV, IV and EO, but CHF 16,800 a year (CHF 1,400 a month) is free of contributions and no ALV is due. On CHF 3,000 a month, contributions fall on CHF 1,600 only: CHF 84.80 from the employee.
For AHV, IV, EO and ALV the employer pays the same amount as the employee, 6.4% up to the ALV ceiling. A CHF 7,000 monthly salary therefore costs at least CHF 7,448, before the occupational pension, accident insurance, family-allowance and administration contributions, which vary by fund and canton.
Rates and rules change; check the source before you rely on a figure.
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