FIRE in Nidwalden
What early retirees pay in Stans: income, wealth and lump-sum tax at sample amounts, ranked against all 26 cantons.
Nidwalden ranks 6 of 26 for income tax on a salary of CHF 120’000 (1 = lowest), 2 for wealth tax on CHF 1’000’000 and 3 for tax on a lump sum of CHF 500’000. Figures for Stans, single person, tax year 2026.
Nidwalden lies on the southern shore of Lake Lucerne, close to the city of Lucerne, with mountains right behind the villages. Housing is in demand and not cheap.
For early retirees the tax mix is strong: wealth tax is among the lowest in Switzerland, income tax is low, and the one-off tax on lump sums from the pension fund and 3a is among the lowest too. Higher rents and property prices are the main counterweight.
Tax at a glance
| Yearly tax | Single | Married, one income | Rank of 26 | Swiss median |
|---|---|---|---|---|
| Income tax, gross salary CHF 80’000 | CHF 8’005 | CHF 4’992 | 6 | CHF 9’353 |
| Income tax, gross salary CHF 120’000 | CHF 15’101 | CHF 11’170 | 6 | CHF 18’330 |
| Income tax, gross salary CHF 200’000 | CHF 33’145 | CHF 28’036 | 7 | CHF 40’276 |
| Income tax, pensions CHF 40’000 | CHF 3’007 | CHF 692 | 12 | CHF 3’059 |
| Income tax, pensions CHF 60’000 | CHF 6’339 | CHF 3’346 | 7 | CHF 7’035 |
| Income tax, pensions CHF 100’000 | CHF 14’282 | CHF 10’284 | 7 | CHF 17’041 |
| Wealth tax, net wealth CHF 500’000 | CHF 576 | CHF 534 | 2 | CHF 1’331 |
| Wealth tax, net wealth CHF 1’000’000 | CHF 1’197 | CHF 1’153 | 2 | CHF 3’094 |
| Wealth tax, net wealth CHF 2’000’000 | CHF 2’436 | CHF 2’393 | 1 | CHF 7’046 |
| One-off tax, lump sum CHF 100’000 at 65 | CHF 3’572 | CHF 2’843 | 8 | CHF 4’609 |
| One-off tax, lump sum CHF 500’000 at 65 | CHF 27’546 | CHF 27’217 | 3 | CHF 36’574 |
| One-off tax, lump sum CHF 1’000’000 at 65 | CHF 57’095 | CHF 57’091 | 3 | CHF 80’985 |
What it means for early retirement
An early retiree in Stans with CHF 1’000’000 of savings pays about CHF 1’197 a year in wealth tax, against a Swiss median of CHF 3’094.
Living on CHF 60’000 a year of pensions there costs about CHF 6’339 in income tax (10.6%); the median canton takes CHF 7’035.
Taking CHF 500’000 from the pension fund as a lump sum costs about CHF 27’546 once (5.5%). Spreading 3a and pension-fund withdrawals over several years usually lowers it.
With the calculator’s default plan, this canton’s taxes instead of Zug’s move the date you could stop by about 0.3 years, from 47.1 to 47.4.
Open the calculator with this canton →Gross to net salary in this canton
Compared with the other cantons
- ZugCHF 917
- NidwaldenCHF 1’197
- ObwaldenCHF 1’387
- SchwyzCHF 1’497
- UriCHF 1’743
- ZurichCHF 2’002
- SolothurnCHF 2’031
- LucerneCHF 2’038
- Appenzell InnerrhodenCHF 2’166
- AargauCHF 2’323
- ThurgauCHF 2’485
- SchaffhausenCHF 2’647
- GraubündenCHF 2’849
- GlarusCHF 3’338
- Appenzell AusserrhodenCHF 3’673
- St. GallenCHF 3’821
- JuraCHF 3’914
- BernCHF 4’027
- Basel-LandschaftCHF 4’278
- TicinoCHF 4’458
- GenevaCHF 4’546
- FribourgCHF 4’932
- ValaisCHF 5’014
- Basel-StadtCHF 5’758
- VaudCHF 6’391
- NeuchâtelCHF 6’804
Swiss median: CHF 3’094
Frequently asked questions
How high is the wealth tax in Nidwalden?
For a single person in Stans, about CHF 576 a year on CHF 500’000 and CHF 2’436 on CHF 2’000’000 of net wealth (tax year 2026, without church tax). Rates differ by municipality.
How is a pension-fund lump sum taxed in Nidwalden?
Separately from other income and at a reduced rate: about CHF 3’572 on CHF 100’000 and CHF 27’546 on CHF 500’000 at 65, federal, cantonal and communal tax together.
Where can I check the current rules?
At the cantonal tax office and with the federal tax calculator, which covers every municipality, children and church tax. Tariffs change every year.
Check the current rules
These are estimates for the cantonal capital. Rates differ between municipalities, change every year, and depend on your family and deductions. The cantonal tax office has the current rules and tariffs; the federal tax calculator covers every municipality, children and church tax.