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Working in Switzerland, living in France: your net salary

Gross salary in Switzerland, household in France: 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 France

Working days and cross-border status

Swiss tax at source; France gives a credit equal to its tax

Up to 40 % of working time from home in France keeps the frontier-worker rules; above 40 %, outside the 1983 accord the days worked in France are taxed in France from the first day.

Cantons of the 1983 accord (BE, SO, BS, BL, VD, VS, NE, JU): at most 45 nights a year (45, prorated for part-time); otherwise Swiss withholding tax applies.

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; France gives a credit equal to its tax
Net per year
€71,884
gross €97,470
≈ CHF 66,375
Net per month
€5,990
gross €8,123
≈ CHF 5,531
average of 12 months
Net per hour
€34.56
gross €46.86
≈ CHF 31.91
Net €71,884 73.8%Deductions Switzerland €25,586 26.2%Deductions France €0 0%

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 tax15.32%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.€14,932CHF 13,788
Swiss health insurance premium (LAMal/KVG, your input)not entered€0CHF 0
Subtotal 26.2%€25,586
France — country of residence
Income tax France (residence)Salary declared in France with a tax credit equal to the French tax on it: household tax 16,544 € − credit 16,544 € = 0 €; without this job 0 €.€0
Subtotal 0%€0
Total deductions 26.2%€25,586
Net income€71,884
Net income in CHFCHF 66,375

If you lived and worked in Switzerland

Net as a residentCHF 67,545 ≈ €73,151
Net as a cross-border worker€71,884

€1,267 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

  • Work canton GE: Swiss withholding tax; France includes the salary with a tax credit equal to the French tax on it, so it only raises the rate on other household income.
  • 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 of starting work — LAMal (Swiss insurer, frontalier premium; enter your premium, no default is assumed) or French PUMa via the STFS (8 % of income above the allowance). The choice is irrevocable while you remain a frontalier.
  • No CSG/CRDS on the Swiss salary (Swiss social security). French barème: latest enacted (LF 2026, 2025 income). Swiss family allowances are not taxable in France and are not included.
  • Amounts in EUR at 1.0830 EUR per CHF.
Official sources (21) · 2026

Working in Switzerland, living in France: which country taxes you

It depends on the canton where you work. The 1983 accord covers Bern, Solothurn, Basel-Stadt, Basel-Landschaft, Vaud, Valais, Neuchâtel and Jura: if you return home as a rule every day — at most 45 nights a year in Switzerland, prorated for part-time work — and telework at most 40 %, your employer withholds no Swiss tax and France taxes the salary. In Geneva and all other cantons, Switzerland deducts tax at source and France grants a tax credit equal to the French tax on the salary, which then only raises the rate on other household income.

Telework from France up to 40 % of working time keeps these rules. Above 40 % in Geneva and the other cantons, the pay for the days worked in France is taxed in France from the first day. Swiss social insurance — AHV/IV/EO, unemployment insurance, accident insurance and the occupational pension (BVG) — is deducted in Switzerland, and no CSG/CRDS is due in France. The French taxable income is the gross minus these contributions and a Swiss health-insurance (KVG) premium, converted at the exchange rate you enter.

Health insurance: within three months of starting work you choose once between a Swiss KVG/LAMal policy (enter your premium; none is assumed) and the French PUMa via the STFS, which costs 8 % of the household’s taxable income above 12,015 € — an amount taken from secondary sources and not yet confirmed. The Swiss withholding tax is approximated with the ordinary tax of the work commune; the official cantonal tables can differ.