Tax and insurance
Taxes in early retirement: canton, capital and wealth
What you pay when you live from savings in Switzerland: income, wealth and withdrawal taxes, why your canton matters and which levers are real.
What reaches your account, and what is left after the tax bill. Social contributions follow the 2026 rates; tax comes from federal figures for each cantonal capital.
On CHF 120’000 / year, the payslip shows about CHF 8’972 per salary. After an estimated income tax of CHF 7’927 / year (6.6% of gross), about CHF 8’312 / month is left to live on and save.
Swiss citizens and C-permit holders pay income tax themselves, in instalments or with the yearly bill, so it does not appear on the payslip. With a B permit it is usually deducted at source.
An estimate: your pension fund may deduct more than the legal minimum, accident and sickness insurance differ by employer, and deductions such as 3a, commuting or childcare lower the tax.
Use this in your full plan →Estimates for planning, not advice. Use at your own risk. Read the full disclaimer
The rates are listed on the methodology page. Use the result as your income in the calculator or the savings rate tool.
Pension funds often deduct more than the legal minimum, accident and sickness insurance differ by employer, and some employers pay part of your share. Your payslip is the reference.
For Swiss citizens and C-permit holders, no: you pay it yourself in instalments or with the yearly bill. With a B permit it is usually deducted at source.
Pay into Pillar 3a, buy into the pension fund, and claim the deductions your canton allows (commuting, childcare, further training). The [Pillar 3a tool](route:tool.pillar3a) shows the effect.
Tax and insurance
What you pay when you live from savings in Switzerland: income, wealth and withdrawal taxes, why your canton matters and which levers are real.
The numbers
Your savings rate, not your salary, decides how many years you need. A table from 10% to 80% shows 66 years at the low end and 6 at the high end.
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