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How much to set aside? Per year and per thousand.

Enter roughly what you earn and spend, and where you live. The calculator shows how much of it is yours and how much to put aside for AHV and tax, also for every thousand francs that comes in.

2026 figures · Updated 06.11.2026 · Sources

CHF

Roughly what your clients pay you in a year.

CHF

What you spend on the business, say a laptop, software or rent for an office. AHV contributions don't count.

Your municipality sets part of your tax.

Civil status
CHF

Pillar 3a? That's your private retirement account. What you pay in comes off your taxable income, up to a limit.

Of every thousand

CHF 852.–is yours

is yours 852.– goes aside 148.–
goes aside
148.–
AHV
82.–
Tax, estimated
about 66.–

Over the whole year

Profit
60'000.–
AHV contributions with admin fee
5'872.25
Tax, estimated
about 4'744.–
Set aside
about 10'616.25
Per month
about 884.70

AHV is worked out exactly. Tax is an estimate of federal, cantonal, municipal and church tax. The calculator doesn't know about other income, savings or further deductions.

Why the AHV part sometimes jumps

One band up, and your whole profit pays more.

Up to CHF 60'500, AHV uses a sliding scale. The rate depends on your profit and then applies to all of it. As long as you stay in the same band, 500.– more profit costs you about 31.– in AHV. If those 500.– push you into the next band, it's 70.–, because the higher rate now applies to every franc below too.

Example 2026, AHV with SVA Zürich's admin fee
Profit beforeProfit afterExtra AHVBand
29'500.–30'000.–30.75same band, 5.864 %
30'000.–30'500.–70.20next band, 5.987 %

Open the AHV calculator

Questions What people often ask.

Why set anything aside at all?
When you're self-employed, nobody takes AHV and tax off your pay. The bills come later, the final AHV one often only after your tax assessment. If you put a share aside every month, the money is there when they arrive.
How exact is the tax?
It's an estimate using the 2026 federal and Zurich tariffs and your municipality's multiplier. Anything the calculator doesn't know, like savings or a salary on the side, is missing. Your tax bill can look different.
Do AHV contributions count as an expense?
Don't enter them as an expense here. The calculator deducts them for the tax itself, the same way the tax office does.
What about VAT?
Under CHF 100'000 turnover a year you don't charge VAT, so it isn't part of this.
Is this tax advice?
The calculator applies the official tariffs to your numbers. It doesn't replace advice.

Sources Every figure comes from an official document.

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