Swiss gross-to-net salary: clear assumptions
Clear deductions, tailored to your payslip.
Salary & health
Cross-border budget: what is left in euros
Your Swiss salary may look comfortable. What matters is what remains after household expenses, in the currency you use to pay them.
Editable example · calculation assumptions, not an offer
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Your calculation
A fall in the EUR value of 1 CHF reduces the euro value of your salary. Expenses remain as entered; no healthcare cost is deducted twice.
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Understanding this result
See your room for manoeuvre, even when exchange rates move.
CHF income is converted at the rate entered, then added to other euro income. Healthcare, housing, commuting and everyday expenses are deducted once. The second result changes only the exchange rate to isolate its effect.
Why include healthcare in the budget rather than net salary?
Statutory health contributions and supplementary cover are separate expenses from Swiss payroll deductions. Entering them separately avoids forgetting them or counting them twice.
Sources and method
Method checked on Oct 21, 2026
