Switzerland self-employed contributions calculator (AHV/IV/EO)
A Swiss self-employed person pays the whole 10% of AHV, IV and EO themselves, where an employee splits 10.6% with an employer — with a declining scale below 60,500 CHF of income and a statutory minimum contribution.
Worked example: with Annual profit after expenses of 120,000, this model computes Income after contributions of 107,400. See the full breakdown.
⚠ Illustrative rates Updated for 2026 · sources checked 2026-08-22
How ahv selbständige in Switzerland is calculated
This page prices one thing precisely: the social contributions a Swiss self-employed person pays that an employee does not. AHV, IV and EO together come to 10% of income at or above 60,500 CHF, paid entirely by you, against an employee’s half of 10.6%. Unlike almost every other country in this catalog there is no ceiling — the rate applies to every franc, however high the income.
Income tax is deliberately absent, because Switzerland does not have a single one. Federal, cantonal and communal income taxes are three separate charges, and the combined burden varies by more than a factor of two between communes — a national figure would be a fiction. Take the contributions here as the fixed part of the answer and your commune’s tax calculator for the rest.
Worked example
| Annual profit after expenses (CHF) | 120000 |
|---|---|
| AHV / IV / EO ✓ | 12000 |
| Administration surcharge ✓ | 600 |
| Income after contributions ✓ | 107400 |
Every row is computed by the engine from the inputs above. Rows marked ✓ are additionally pinned by a published self-test vector.
Frequently asked questions
How much AHV does a self-employed person pay in Switzerland?
The full 10% of income at or above 60,500 CHF — 8.1% AHV, 1.4% IV and 0.5% EO — plus an administration surcharge of up to 5% of the contributions. On 120,000 CHF that is about 12,000 CHF plus 600 CHF of administration costs.
Why is the rate 10% and not 5%?
Because there is no employer to pay the other half. An employee pays 5.3% and the employer matches it; a self-employed person carries the whole charge.
Why is income tax not included?
Switzerland has no single income tax schedule. Federal, cantonal and communal taxes are levied separately and the total varies by more than a factor of two between communes, so no national figure would be meaningful.
Sources
- AHV/IV — Merkblatt 2.02: Beiträge der Selbstständigerwerbenden · checked 2026-08-22
- AHV-Beiträge Selbständige 2026: 10,0% ab CHF 60'500, Mindestbeitrag CHF 530 · checked 2026-08-22
Estimate. Not tax advice. The rates in this calculator are illustrative: they reproduce the shape of the charge through 3 self-test cases, but they are not the official schedule, so the amount shown will not match your bill. Use the official source above for that.
Check the arithmetic yourself: how this calculator is verified — the formula behind every derived value, the 3 test cases the engine reproduces, and what the badge does and does not claim. Also available as machine-readable JSON.
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