Steuer-Zerleger/CH/pillar-3a/pension-or-lump-sum/lump-sum-withdrawal/property-gains-tax/inheritance-tax/tax-by-municipality, all calculators

How much tax do you save today with pillar 3a or a pension fund buy-in – and what does the withdrawal cost later? Franc by franc, by federal, cantonal, municipal and church tax.Pillar 3a and pension fund buy-ins: save now, pay later – all cantons and all municipalities.Not just a number – see how your income and wealth tax comes about, franc by franc: federal, cantonal, municipal and church tax, bracket by bracket. All 26 cantons, all municipalities.Income and wealth tax bracket by bracket – all cantons and all municipalities.How much tax does a payout from your pension fund, pillar 3a or vested benefits cost? One-off and separate from your salary – broken down block by block into federal, cantonal, municipal and church tax.Lump-sum withdrawal tax block by block – all cantons and all municipalities.A lifelong pension or a lump sum from your pension fund? What you keep after all taxes – compared year by year, with federal, cantonal, municipal and church tax.Pension or lump sum: what you keep after all taxes – all cantons and all municipalities.How much property gains tax will you pay when you sell your flat or house? Gain, period of ownership and tax scale broken down – with cantonal, municipal and church tax where they apply.Property gains tax when you sell – all cantons and all municipalities.How much tax is due when you inherit or receive a gift? Tax-free amount, tax scale and municipality broken down – for every relationship, with a comparison of all 26 cantons.Inheritance and gift tax – all 26 cantons, every relationship.One household, every municipality: what your profile pays in income and wealth tax in each municipality in Switzerland – as a map, canton comparison and ranking.One household in all municipalities – map and ranking.

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Swiss income and wealth tax calculator

Work out your income and wealth tax for 2025 or 2026 in any Swiss municipality and see how it splits into federal, cantonal, municipal and church tax – bracket by bracket, with your marginal tax rate. Also with tax at source, free and without ads.

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R1Overview

Compare this household across all municipalities ›

One-off tax on the payout · separate from other income

Estimate only, not adviceEarly withdrawal for home ownership (WEF) is taxed in the same way

Pension or lump sum? Compare what is left after all taxes ›

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R2Who takes how much

R3Staggering

R4Lump sum in blocks of 50,000

InfoGood to know about lump-sum withdrawals

Early withdrawal for a home (WEF)

An early withdrawal from a pension fund or pillar 3a for home ownership is taxed in the same way as a payout and added to your other withdrawals in the same calendar year. If you later repay an early withdrawal from the pension fund, the tax you paid is refunded on request, without interest; this right lapses 3 years after the repayment (Art. 83a BVG). The repayment is not deductible from income, and an early withdrawal from pillar 3a cannot be repaid. The calculator does not include the repayment.

Buy-in before withdrawal

If you bought into your pension fund in the 3 years before the withdrawal, the tax authority may reverse the deduction for the buy-in (Art. 79b para. 3 BVG). This is not included here.

Pension or lump sum?

A pension is taxed every year together with your other income; a lump sum is taxed once, separately.

Pension instead of lump sum?

After the withdrawal

The withdrawal, after tax, counts as part of your wealth (wealth tax) – for the first time on the reference date of 31 December of the year of withdrawal; interest and returns from it are income.

Staggering and tax avoidance

Staggered withdrawals are common, for example across several pillar 3a accounts or partial withdrawals from the pension fund. If withdrawals are split up only to save tax, the tax authority may in an individual case treat this as tax avoidance and add the withdrawals together.

Estimate only, not advice

Calculated according to the rules of each canton and checked against the FTA calculator; the tax assessment is what counts. Not taken into account: residence abroad (tax at source) and benefits for surviving dependants or in the event of invalidity.

R2Who takes how much

R3Per franc more or less

R4Income in tax brackets

Tip: tap or hover over rows, bands and bars to see the details.

R5Marginal-rate steps

Use the left and right arrow keys to move the income; Home and End jump to the edge.

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Map base: Federal Statistical Office (FSO), ThemaKart set 2026; © swisstopo (swissBOUNDARIES3D, official building address directory)

How the Steuer-Zerleger calculates: explanation, questions and examples for 2026

How the Steuer-Zerleger calculates

With this tax calculator you can work out your income and wealth tax for each of the 2,110 municipalities in Switzerland (tax year 2026; for 2025 there are 2,121 municipalities). It calculates in the same way as the official tax calculator of the Swiss Federal Tax Administration (FTA) – except that you also see where every franc comes from.

The starting point is taxable income. If you enter your gross salary, the calculator estimates it using the flat-rate and social deductions of your canton and of the Confederation; the taxable income from your tax assessment is more accurate. It applies the cantonal tax scale to this amount to arrive at the simple tax. In most cantons, the canton, the municipality and – if you select a religion – the church each levy a multiple of it: this is the tax coefficient. Direct federal tax is added on top, with its own tax scale and its own deductions.

The calculator then breaks your income down into brackets: for each income band you see how many centimes per franc go to the Confederation, canton, municipality and church. The marginal tax rate shows what the next franc costs; the average rate shows how much you pay on average. On top of this come wealth tax and, where it exists, personal or poll tax. You can put two municipalities or two tax years side by side.

All calculations take place only in your browser. The result is an estimate; the tax assessment is what counts.

Frequently asked questions

How much tax do you pay in Switzerland?

That depends heavily on where you live: for the same household, the tax in one municipality can be several times as high as in another. What matters is taxable income, marital status, children, wealth and the tax coefficients of the canton and municipality. The calculator shows the tax for your household in one municipality; the Municipality ranking calculates the same household in all 2,110 municipalities.

What is the difference between the marginal tax rate and the average tax rate?

The average rate (‘Avg. rate’) is the total income tax divided by taxable income. The marginal tax rate tells you how many centimes of tax each additional franc of taxable income costs (ct./CHF). Because tax scales are progressive, it is usually well above the average. It shows what a deduction such as pillar 3a saves or what a pay rise costs. Per franc of salary it is less, because social insurance and deductions come in between.

What does the tax coefficient mean?

The canton calculates the simple tax according to its tax scale. The canton, municipality and church each levy a percentage of it, the tax coefficient: at 115%, you pay the municipality 1.15 times the simple tax. Its name differs from canton to canton – in Bern, for example, it is called ‘Steueranlage’, and in Lucerne the municipalities count in units. The tax coefficients of all municipalities come from the FTA data export; officially documented errors have been corrected.

Does the calculator use gross or net salary?

Both work. From your gross salary it estimates taxable income: social insurance and pension fund, plus the flat-rate and social deductions of your canton and of the Confederation (professional expenses, meals, insurance, dual-income deduction, children). It assumes children under 14 and the insurance deduction at its maximum (in Geneva and Zug a typical premium). Enter pillar 3a and travel costs to work under ‘Further deductions’. The taxable income from your last tax assessment is more accurate.

Is church tax included?

Only if you select a religion: Roman Catholic, Protestant (Reformed) or Christian Catholic. As in the FTA calculator, each municipality has one parish, usually that of the main locality. Where the parishes within a municipality have different tax coefficients, you can choose the locality. In Geneva and Neuchâtel church tax is voluntary; the flat rate of CHF 10 is shown there as a separate line.

How is wealth taxed?

Wealth tax is levied by the canton, municipality and church, not by the Confederation. It counts bank accounts, securities, car and real estate at their tax value, minus debts such as the mortgage, on the reference date of 31 December. Pillar 3a and pension fund assets do not count. After the canton’s social deductions, what remains is taxable wealth; in some cantons part of it is tax-free. Without an entry of your own, the calculator uses an assumed CHF 100,000 and says so.

Does the calculator also work out tax at source?

Yes, for employees resident in Switzerland without a settlement permit C (usually permit B or L). In gross-salary mode, switch on ‘Taxed at source’: the calculator chooses the tariff from your details (A, B, C or H, with or without church tax) and compares the tax at source with the ordinary tax. It is based on the FTA tax-at-source tariffs for 2025 and 2026. Cross-border commuters, among others, are not covered.

How accurate is the result?

The calculation logic has been checked against the FTA calculator with over 8,000 test cases: federal, cantonal, municipal and church tax each match it to within CHF 2.50, and the largest deviation is CHF 1.13. This measures agreement with the FTA calculator, not with your tax assessment. Fire service levies, property taxes and cantonal tax burden caps are not included; where a tax burden cap may apply, the calculator shows a note. How the checks are done is explained on the ‘Methodology’ page.

Taxes in 2026 in the 26 cantonal capitals for three households

Calculated with this page’s gross-salary estimator, without church tax and without wealth. To calculate your own household, use the calculator above.

Taxes in 2026 in the 26 cantonal capitals for three households
Cantonal capitalSingle · Salary 100,000CHF% of salaryMarginal rate ct./CHFMarried, 2 children · Salary 150,000CHF% of salarySingle · Salary 250,000CHF% of salary
Zug (ZG)4,8324.83%14.42,4891.66%31,10812.44%
Schwyz (SZ)6,8566.86%17.16,7004.47%33,37613.35%
Appenzell (AI)8,8478.85%19.610,2816.85%38,16015.26%
Schaffhausen (SH)9,7239.72%23.49,5756.38%45,16318.07%
Stans (NW)9,8109.81%20.810,1116.74%41,06616.43%
Sarnen (OW)9,9569.96%18.712,0388.03%38,45415.38%
Altdorf (UR)9,9909.99%19.811,3417.56%39,81615.93%
Zürich (ZH)10,01310.01%25.210,4957.00%50,10520.04%
Luzern (LU)10,04310.04%20.410,2026.80%41,78916.72%
Aarau (AG)10,50410.50%24.89,9676.64%47,92919.17%
Chur (GR)10,71510.72%25.08,3745.58%48,49019.40%
Frauenfeld (TG)11,31611.32%23.511,7377.82%47,91319.17%
Glarus (GL)11,39011.39%24.012,7828.52%48,70819.48%
Sion (VS)12,06712.07%29.59,5156.34%61,17124.47%
Bellinzona (TI)12,14112.14%28.310,4906.99%55,98822.40%
Herisau (AR)12,46712.47%25.914,2389.49%51,80820.72%
St. Gallen (SG)12,97012.97%28.312,0068.00%54,41521.77%
Basel (BS)13,34913.35%26.913,7919.19%52,54221.02%
Genève (GE)13,38213.38%29.28,9445.96%59,24023.70%
Solothurn (SO)14,06614.07%28.614,2799.52%57,31522.93%
Fribourg (FR)14,18914.19%31.614,5899.73%61,16124.46%
Bern (BE)14,27014.27%28.515,81010.54%59,32623.73%
Delémont (JU)14,29314.29%29.315,85110.57%59,92223.97%
Liestal (BL)14,32814.33%32.014,9089.94%63,30225.32%
Lausanne (VD)14,36114.36%30.815,94410.63%62,96125.18%
Neuchâtel (NE)15,74915.75%31.817,07711.38%64,44825.78%
  • An asterisk next to the name means the municipality has localities with different tax coefficients; the calculator’s default value is used.