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Working in Switzerland, living in Austria: your net salary

Gross salary in Switzerland, household in Austria: deductions in both countries, the cross-border status and what you keep.

Rules 2026 · updated 11 November 2026

Gross salary
CHF

Gross pay from your employer in CHF.

h

Your job in Switzerland

Used for the Swiss withholding tax estimate and the comparison.

Monthly mode: 13 payments. Hourly mode: +8.33 % pro rata.

More options

Determines the BVG age credit.

%

Employer-specific, typically 0.7–2 % (see payslip).

%
%

Many pension funds charge more than the legal minimum (half the age credit).

Your household in Austria

Working days and cross-border status

Swiss tax at source; Austria taxes and credits it

No tolerance between Switzerland and Austria: days worked from home in Austria are taxed only in Austria.

Health insurance

Your choice (right of option)
CHF

Your insurer’s premium for frontier workers — none is assumed, so leave it empty only if you want the net before health insurance.

Assumptions

Default: ECB reference rate of 11 November 2026 (1 CHF = 1.0830 €). The official rate for 2026 income is published only in 2027.

%

Leave empty for the estimate; enter the rate from your payslip to override it.

Days actually worked (without holidays and sick days); base for the shares above.

Your net incomeSwiss tax at source; Austria taxes and credits it
Net per year
€62,292
gross €97,470
≈ CHF 57,518
Net per month
€5,191
gross €8,123
≈ CHF 4,793
average of 12 months
Net per hour
€29.95
gross €46.86
≈ CHF 27.65
Net €62,292 63.9%Deductions Switzerland €25,074 25.7%Deductions Austria €10,104 10.4%

Breakdown

Gross salary€97,470CHF 90,000
Switzerland — country of work
AHV/IV/EO (old-age, disability, income compensation)5.3%€5,166CHF 4,770
Unemployment insurance (ALV)1.1%€1,072CHF 990
Non-occupational accident insurance (NBU)1%€975CHF 900
Occupational pension (BVG / 2nd pillar)3.53%Insured (coordinated) salary CHF 63540 × 5.00 %.€3,441CHF 3,177
Swiss withholding tax14.8%Swiss withholding approximated with the ordinary tax of the work commune (ch.js); the official cantonal withholding tables (e.g. Geneva tariff C when the spouse works) can differ.€14,421CHF 13,316
Swiss health insurance premium (LAMal/KVG, your input)not entered€0CHF 0
Subtotal 25.7%€25,074
Austria — country of residence
Income tax Austria (residence)Austrian income tax on 80,906 € (tariff 24,652.91 € − Verkehrsabsetzbetrag 496.00 €) + 13th salary 367.99 € = 24,524.90 € − credit for the Swiss tax 14,420.99 €.€10,104
Subtotal 10.4%€10,104
Total deductions 36.1%€35,178
Net income€62,292
Net income in CHFCHF 57,518

If you lived and worked in Switzerland

Net as a residentCHF 67,705 ≈ €73,325
Net as a cross-border worker€62,292

€11,033 less per year as a cross-border worker

Both figures before health insurance (premiums vary by insurer). Living costs are not included. Swiss resident, ordinary assessment in the work commune; health-insurance premiums are not deducted in this figure.

Full salary calculator in Switzerland →

Conversion and days

Annual gross salaryCHF 90,000
Paid hours per year for per-hour figures (weekly hours × 52)2,080 h
Exchange rate (EUR per CHF, your input)1.0830
= Annual gross in EUR€97,470

Good to know

  • No frontier-worker rule between Switzerland and Austria (repealed by the 2006 protocol): Switzerland withholds its ordinary withholding tax (tariffs A/B/C/H, no cap) on the pay for Swiss workdays; Austria taxes the whole salary in the income-tax assessment and credits the Swiss tax up to the Austrian tax on that income — in total you pay roughly the higher of the two. Days worked from home in Austria are taxed only in Austria.
  • No Swiss health-insurance premium entered: premiums for frontaliers vary by insurer and canton and are not reliably known, so none is assumed — the net shown is before health insurance.
  • Health insurance: right of option within 3 months (irrevocable) — Swiss KVG or Austrian cover. Enter the premium of your choice (none is assumed); it is deducted as Werbungskosten in Austria.
  • Austrian assessment as modelled (forms L1i and L17): Swiss AHV/IV/EO, ALV and BVG contributions and the health premium deducted as Werbungskosten (BVG in full — the extra-mandatory part may not qualify), Werbungskostenpauschale 132 €, Pendlerpauschale and Pendlereuro if entered, Verkehrsabsetzbetrag with the Zuschlag of up to 804 € for incomes up to 30,259 € (§ 33 (5) Z 3, granted in the assessment); the 13th Swiss salary taxed at the § 67 rates. Not modelled: Familienbonus Plus and Alleinverdiener-/Alleinerzieherabsetzbetrag — they require Austrian family allowance actually paid for the child, and when only you work (in Switzerland) Switzerland pays the family allowance first and Austria at most a top-up, so whether they apply depends on your family-benefit situation (they would lower the Austrian tax) — and the exchange-rate method of the tax office.
  • Amounts in EUR at 1.0830 EUR per CHF.
Official sources (23) · 2026

Working in Switzerland, living in Austria: taxed in both countries, with a credit

There is no frontier-worker rule between Switzerland and Austria. Switzerland deducts its ordinary withholding tax (tariffs A, B, C and H, no cap) from the pay for days worked in Switzerland, and Austria taxes your whole salary in the income-tax assessment, crediting the Swiss tax up to the Austrian tax on that income — in effect you pay the higher of the two. Home-office days in Austria are taxed only in Austria.

The Austrian assessment (forms L1i and L17) deducts the Swiss AHV/IV/EO, unemployment and BVG contributions and your health premium as Werbungskosten, plus the Pendlerpauschale and Pendlereuro if you qualify, and taxes the 13th salary within the annual sixth at the reduced rate for Sonderzahlungen. Not confirmed: whether the extra-mandatory part of the BVG is fully deductible.

Health insurance: within three months you choose between Swiss KVG and Austrian cover; enter the premium of your choice — none is assumed. The Swiss withholding tax is approximated with the ordinary tax of the work commune and can differ from the cantonal tables; for a canton the calculator does not model, enter your withholding rate.