{"id":44865,"date":"2026-03-09T14:04:05","date_gmt":"2026-03-09T13:04:05","guid":{"rendered":"https:\/\/www.schwiizerfranke.com\/?p=44865"},"modified":"2026-04-24T10:42:13","modified_gmt":"2026-04-24T08:42:13","slug":"individualbesteuerung-rechner-schweiz","status":"publish","type":"post","link":"https:\/\/www.schwiizerfranke.com\/en\/individualbesteuerung-rechner-schweiz","title":{"rendered":"Individual taxation calculator"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"44865\" class=\"elementor elementor-44865\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e81151d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e81151d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-20e6c58\" data-id=\"20e6c58\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-32f58ce elementor-widget elementor-widget-heading\" data-id=\"32f58ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Individual taxation calculator Switzerland: Calculate marriage penalty<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e2d551a elementor-widget elementor-widget-text-editor\" data-id=\"e2d551a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>On 8 March 2026, Switzerland has signed the I<strong>ndividual taxation adopted with 54.3% votes in favour<\/strong>. With our I<strong>ndividual taxation calculator<\/strong> you can calculate the impact on your taxes in just a few seconds.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f0a3d18 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f0a3d18\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-24b216e\" data-id=\"24b216e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6dc7ea8 elementor-widget elementor-widget-html\" data-id=\"6dc7ea8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!--\n  NOSCRIPT-FALLBACK \u2014 Individualbesteuerung Rechner\n  ==================================================\n  Diesen Block in Elementor ins HTML-Widget setzen, INNERHALB des Container-divs.\n  embed.js \u00fcberschreibt den Inhalt automatisch sobald JS l\u00e4uft.\n\n  Werte: Berechnet mit calculator.js (Stand 2025, ESTV)\n  Annahmen: Alter 40, keine Kirchensteuer, durchschnittliche PK\n\n  Letzte Aktualisierung: M\u00e4rz 2026\n  N\u00e4chstes Update: Bei n\u00e4chster kalter-Progressions-Anpassung (ca. Q1 2027)\n-->\n\n<!-- === ELEMENTOR EMBED CODE (komplett) === -->\n\n<div id=\"sf-ibst-tool\" style=\"min-height:200px;\">\n  <div style=\"max-width:720px;margin:0 auto;padding:20px 16px;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,'Helvetica Neue',Arial,sans-serif;color:#0a1628;line-height:1.6;\">\n    <p style=\"font-size:18px;font-weight:600;margin:0 0 8px;\">Tax calculator: Individual taxation vs. current system<\/p>\n    <p style=\"font-size:15px;color:#475569;margin:0 0 16px;\">\n      For a married couple with a gross salary of CHF 100,000 and CHF 80,000, individual taxation saves\n      around <strong>CHF 1'836<\/strong> per year in direct federal tax.\n    <\/p>\n\n    <table style=\"width:100%;border-collapse:collapse;font-size:14px;margin:0 0 12px;\">\n      <thead>\n        <tr style=\"background:linear-gradient(135deg,#0f2440,#1e5a8a);color:#fff;\">\n          <th style=\"padding:10px 8px;text-align:left;font-weight:600;\">Income (married couple)<\/th>\n          <th style=\"padding:10px 8px;text-align:right;font-weight:600;\">Tax today<\/th>\n          <th style=\"padding:10px 8px;text-align:right;font-weight:600;\">Tax new<\/th>\n          <th style=\"padding:10px 8px;text-align:right;font-weight:600;\">Difference<\/th>\n        <\/tr>\n      <\/thead>\n      <tbody>\n        <tr style=\"background:#f0f7fd;\">\n          <td style=\"padding:8px;border-bottom:1px solid #e2e8f0;\">CHF 80,000 + 60,000, without children<\/td>\n          <td style=\"padding:8px;text-align:right;border-bottom:1px solid #e2e8f0;\">CHF 1'843<\/td>\n          <td style=\"padding:8px;text-align:right;border-bottom:1px solid #e2e8f0;\">CHF 1'018<\/td>\n          <td style=\"padding:8px;text-align:right;border-bottom:1px solid #e2e8f0;color:#059669;font-weight:600;\">-CHF 825<\/td>\n        <\/tr>\n        <tr>\n          <td style=\"padding:8px;border-bottom:1px solid #e2e8f0;\">CHF 100,000 + 80,000, without children<\/td>\n          <td style=\"padding:8px;text-align:right;border-bottom:1px solid #e2e8f0;\">CHF 4'100<\/td>\n          <td style=\"padding:8px;text-align:right;border-bottom:1px solid #e2e8f0;\">CHF 2'264<\/td>\n          <td style=\"padding:8px;text-align:right;border-bottom:1px solid #e2e8f0;color:#059669;font-weight:600;\">-CHF 1'836<\/td>\n        <\/tr>\n        <tr style=\"background:#f0f7fd;\">\n          <td style=\"padding:8px;border-bottom:1px solid #e2e8f0;\">CHF 100,000 + 80,000, 2 children<\/td>\n          <td style=\"padding:8px;text-align:right;border-bottom:1px solid #e2e8f0;\">CHF 2'463<\/td>\n          <td style=\"padding:8px;text-align:right;border-bottom:1px solid #e2e8f0;\">CHF 751<\/td>\n          <td style=\"padding:8px;text-align:right;border-bottom:1px solid #e2e8f0;color:#059669;font-weight:600;\">-CHF 1'713<\/td>\n        <\/tr>\n        <tr>\n          <td style=\"padding:8px;border-bottom:1px solid #e2e8f0;\">CHF 120,000 + 0 (single earner)<\/td>\n          <td style=\"padding:8px;text-align:right;border-bottom:1px solid #e2e8f0;\">CHF 1'718<\/td>\n          <td style=\"padding:8px;text-align:right;border-bottom:1px solid #e2e8f0;\">CHF 2'983<\/td>\n          <td style=\"padding:8px;text-align:right;border-bottom:1px solid #e2e8f0;color:#dc2626;font-weight:600;\">+CHF 1'265<\/td>\n        <\/tr>\n        <tr style=\"background:#f0f7fd;\">\n          <td style=\"padding:8px;\">CHF 150,000 + 100,000, 2 children<\/td>\n          <td style=\"padding:8px;text-align:right;\">CHF 9'321<\/td>\n          <td style=\"padding:8px;text-align:right;\">CHF 4'586<\/td>\n          <td style=\"padding:8px;text-align:right;color:#059669;font-weight:600;\">-CHF 4'735<\/td>\n        <\/tr>\n      <\/tbody>\n    <\/table>\n\n    <p style=\"font-size:12px;color:#94a3b8;margin:0 0 4px;\">\n      Direct federal tax, status 2025. Assumptions: Married couple, age 40, average pension fund,\n      without church tax. Child deduction currently CHF 6,800, now CHF 12,000 per child.\n      Source: Art. 36 DBG \/ Message on individual taxation (FTA).\n    <\/p>\n    <p style=\"font-size:12px;color:#94a3b8;margin:0;\">\n      For a customised calculation with your figures, please activate JavaScript or\n      <a href=\"https:\/\/www.schwiizerfranke.com\/en\/individualbesteuerung\/\" style=\"color:#2878b5;\">Use the full calculator<\/a>.\n    <\/p>\n  <\/div>\n<\/div>\n<script src=\"https:\/\/tools.schwiizerfranke.com\/individualbesteuerung\/embed.js?v=2\" defer><\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-acdea4c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"acdea4c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0931be7\" data-id=\"0931be7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7a16231 elementor-widget elementor-widget-text-editor\" data-id=\"7a16231\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Example:<\/strong> A couple with an income of CHF 100,000 each currently pays around CHF 5,908 in direct federal tax. Under individual taxation, they would only pay CHF 3,070, which is CHF 2,838 less per year on federal tax alone. Calculate your situation in the calculator above.<\/p><h2>What is individual taxation in Switzerland?<\/h2><p>Today, married couples and registered partnerships in Switzerland are <strong>together<\/strong> taxed together. This sounds like an advantage, but is often more expensive for double earners: the combined income falls into a higher tax progression bracket than if both people were assessed separately.<\/p><p>This is called <strong>Marriage penalty<\/strong>. Use the marriage penalty calculator above to calculate the tax difference directly for your situation.<\/p><p>The new system of individual taxation fundamentally changes this. Every person will <strong>separately<\/strong> taxed, regardless of whether they are married or not. For direct federal tax, a standardised rate will apply to everyone in future.<\/p><p>Specifically, the following happens:<\/p><ul><li>Each person submits a <strong>Separate tax return<\/strong> a<\/li><li>Your own income is extrapolated using your own income only<\/li><li>Child-related deductions are generally divided equally for direct federal tax purposes<\/li><li>Income and assets are allocated according to civil law circumstances<\/li><\/ul><p><strong>Important:<\/strong> The reform affects direct federal tax and obliges cantons and municipalities to adapt their tax systems. However, our calculator only calculates the <strong>Direct federal tax<\/strong>, as cantonal implementation is still pending and the burden varies greatly from canton to canton.<\/p><h2>Why does the marriage penalty exist?<\/h2><p>The marriage penalty is not a malicious act on the part of the legislator, but a mathematical consequence of tax progression. You can find a detailed explanatory article on this here: <a href=\"https:\/\/www.schwiizerfranke.com\/en\/heiratsstrafe-schweiz\/\">Marriage penalty Switzerland<\/a>.<\/p><p>An example: Person A earns CHF 100,000, person B earns CHF 100,000. Together they earn CHF 200,000. According to the current married couple's rate, the joint income is classified in a progression bracket that is higher than if both persons were taxed separately on CHF 100,000.<\/p><p>Depending on your income, the difference can amount to several thousand francs per year, as our sample calculations below show.<\/p><p>A reader from our Schwiizerfranke community put it in a nutshell: \u00abMy wife and I both work full-time and have been paying more tax than unmarried couples with identical incomes for years. Now this is finally changing.\u00bb<\/p><h2>How does the individual taxation calculator work?<\/h2><p>The calculator calculates the direct federal tax according to current law (married couples' rate) and according to the new standard rate and shows you the difference.<\/p><p><strong>Inputs:<\/strong><\/p><ul><li>Gross income of both persons (0 to CHF 300,000)<\/li><li>Number of children (0 to 5)<\/li><li>Age of both persons (influences the <a href=\"https:\/\/www.schwiizerfranke.com\/en\/bvg-eckwerte\/\">BVG contribution rate<\/a>)<\/li><li>Canton (for a note on cantonal implementation)<\/li><\/ul><p><strong>Calculation steps (simplified model):<\/strong><\/p><p>For the model calculation, the calculator uses simplified assumptions on social insurance, professional expenses and deductions in order to make direct federal tax comparable today and under the new system. Social insurance is first deducted from the gross amount (AHV\/IV\/EO 5.3%, ALV 1.1%, NBU 0.4%, BVG between 3.5% and 9% depending on age), then professional expenses (3% of the net amount, minimum CHF 2,000, maximum CHF 4,000), insurance premium deductions and child deductions. This results in the taxable income to which the respective rate is applied.<\/p><p><strong>Expenditure:<\/strong><\/p><ul><li>Current tax vs. new tax in CHF<\/li><li>Difference in absolute terms and in per cent<\/li><li>Breakdown per person<\/li><li>Bar chart for comparison<\/li><\/ul><p>After registering for free by e-mail, you will also unlock: a 10-year forecast with 1.5% wage growth and the optimum income split for your couple.<\/p><h2>Examples: Who benefits from individual taxation?<\/h2><p>All values are model calculations for direct federal tax and are for illustrative purposes. Basis: age 40 (both persons), simplified model assumptions based on the published federal bases. Tax amounts under CHF 25 are not levied according to the FTA.<\/p><h3>Equal-income couples: clear savings<\/h3><table><thead><tr><th>Situation<\/th><th>Total gross<\/th><th>Tax today<\/th><th>Tax new<\/th><th>Difference<\/th><\/tr><\/thead><tbody><tr><td>50k \/ 50k<\/td><td>CHF 100,000<\/td><td>CHF 513<\/td><td>CHF 314<\/td><td><strong>-CHF 199<\/strong><\/td><\/tr><tr><td>75k \/ 75k<\/td><td>CHF 150,000<\/td><td>CHF 2\u2019308<\/td><td>CHF 1\u2019181<\/td><td><strong>-CHF 1\u2019127<\/strong><\/td><\/tr><tr><td>100k \/ 100k<\/td><td>CHF 200,000<\/td><td>CHF 5\u2019908<\/td><td>CHF 3\u2019070<\/td><td><strong>-CHF 2\u2019838<\/strong><\/td><\/tr><tr><td>150k \/ 150k<\/td><td>CHF 300,000<\/td><td>CHF 17\u2019686<\/td><td>CHF 10\u2019849<\/td><td><strong>-CHF 6\u2019837<\/strong><\/td><\/tr><\/tbody><\/table><h3>Double earners with different incomes<\/h3><table><thead><tr><th>Situation<\/th><th>Total gross<\/th><th>Tax today<\/th><th>Tax new<\/th><th>Difference<\/th><\/tr><\/thead><tbody><tr><td>80k \/ 60k, no children<\/td><td>CHF 140,000<\/td><td>CHF 1\u2019843<\/td><td>CHF 1\u2019018<\/td><td><strong>-CHF 826<\/strong><\/td><\/tr><tr><td>120k \/ 80k, no children<\/td><td>CHF 200,000<\/td><td>CHF 5\u2019960<\/td><td>CHF 3\u2019712<\/td><td><strong>-CHF 2\u2019248<\/strong><\/td><\/tr><tr><td>200k \/ 100k, no children<\/td><td>CHF 300,000<\/td><td>CHF 17\u2019933<\/td><td>CHF 12\u2019132<\/td><td><strong>-CHF 5\u2019801<\/strong><\/td><\/tr><tr><td>85k \/ 55k, 2 children<\/td><td>CHF 140,000<\/td><td>CHF 668<\/td><td>CHF 210<\/td><td><strong>-CHF 458<\/strong><\/td><\/tr><tr><td>120k \/ 80k, 2 children<\/td><td>CHF 200,000<\/td><td>CHF 3\u2019862<\/td><td>CHF 1\u2019832<\/td><td><strong>-CHF 2\u2019030<\/strong><\/td><\/tr><tr><td>200k \/ 100k, 3 children<\/td><td>CHF 300,000<\/td><td>CHF 14\u2019270<\/td><td>CHF 8\u2019271<\/td><td><strong>-CHF 5\u2019999<\/strong><\/td><\/tr><\/tbody><\/table><h3>Single-earner couples: additional burden<\/h3><table><thead><tr><th>Situation<\/th><th>Total gross<\/th><th>Tax today<\/th><th>Tax new<\/th><th>Difference<\/th><\/tr><\/thead><tbody><tr><td>100k \/ 0, no children<\/td><td>CHF 100,000<\/td><td>CHF 958<\/td><td>CHF 1\u2019535<\/td><td><strong>+CHF 577<\/strong><\/td><\/tr><tr><td>150k \/ 0, no children<\/td><td>CHF 150,000<\/td><td>CHF 3\u2019304<\/td><td>CHF 5\u2019425<\/td><td><strong>+CHF 2\u2019121<\/strong><\/td><\/tr><tr><td>200k \/ 0, no children<\/td><td>CHF 200,000<\/td><td>CHF 8\u2019378<\/td><td>CHF 10\u2019597<\/td><td><strong>+CHF 2\u2019219<\/strong><\/td><\/tr><tr><td>150k \/ 0, 2 children<\/td><td>CHF 150,000<\/td><td>CHF 1\u2019844<\/td><td>CHF 3\u2019959<\/td><td><strong>+CHF 2\u2019115<\/strong><\/td><\/tr><\/tbody><\/table><p><strong>The rule of thumb:<\/strong> The more evenly the income is divided between the two people, the greater the savings. The more one-sided the division, the more likely the additional burden.<\/p><h2>Who benefits from individual taxation?<\/h2><p><strong>Clear winners: dual-earner couples<\/strong>, especially those with similar incomes. A couple with a gross salary of CHF 100,000 each saves over CHF 2,800 per year in direct federal tax.<\/p><p><strong>Families with children also benefit<\/strong>, because the child deduction for direct federal tax is being increased from CHF 6,800 to CHF 12,000 per child. This makes a considerable difference.<\/p><p><strong>Single-earner couples pay more.<\/strong> Couples with only one income will lose the splitting advantage of the current married tax rate. A person with a gross income of CHF 150,000 will pay over CHF 2,000 more federal tax under the new system than today.<\/p><p>This is not a political judgement, but a mathematical consequence of the system.<\/p><h2>When does individual taxation apply?<\/h2><p>This is the question I have been asked most frequently in recent weeks. The answer: Finance Minister Karin Keller-Sutter confirmed at the media conference on 8 March 2026 that the law <strong>1 January 2032 at the earliest<\/strong> comes into force. The figures in the calculator are based on the tariffs for 2024 and will be adjusted to the national consumer price index when they come into force.<\/p><p>The cantons must also adapt their tax laws, rates and IT systems. When and to what extent cantonal and communal taxes will change depends on the implementation in the respective canton.<\/p><p><strong>Tip for the meantime:<\/strong> Use the calculator now to understand the direction in which your tax situation will develop. This will give you enough time to plan for the long term, for example when considering whether it makes sense to adjust your part-time workload for tax purposes.<\/p><h2>10-year forecast (example with wage growth)<\/h2><p>To illustrate: A couple with 85k\/55k gross, 2 children and 1.5% wage growth per year.<\/p><table><thead><tr><th>Year<\/th><th>Total gross<\/th><th>Tax today<\/th><th>Tax new<\/th><th>Difference<\/th><th>Accumulated<\/th><\/tr><\/thead><tbody><tr><td>1<\/td><td>CHF 140,000<\/td><td>CHF 688<\/td><td>CHF 210<\/td><td>-CHF 478<\/td><td>-CHF 478<\/td><\/tr><tr><td>2<\/td><td>CHF 142\u2019100<\/td><td>CHF 760<\/td><td>CHF 232<\/td><td>-CHF 528<\/td><td>-CHF 1,007<\/td><\/tr><tr><td>3<\/td><td>CHF 144\u2019231<\/td><td>CHF 816<\/td><td>CHF 265<\/td><td>-CHF 551<\/td><td>-CHF 1\u2019558<\/td><\/tr><tr><td>5<\/td><td>CHF 148\u2019591<\/td><td>CHF 972<\/td><td>CHF 345<\/td><td>-CHF 628<\/td><td>-CHF 2,772<\/td><\/tr><tr><td>10<\/td><td>CHF 160\u2019074<\/td><td>CHF 1\u2019470<\/td><td>CHF 552<\/td><td>-CHF 918<\/td><td>-CHF 6\u2019746<\/td><\/tr><\/tbody><\/table><p><strong>Cumulative savings over 10 years: CHF 6,746<\/strong>, only on direct federal tax.<\/p><p>The detailed 10-year table including optimum income distribution is available in the calculator after free e-mail registration.<\/p><h2>Frequently asked questions about individual taxation<\/h2><h4><strong>What is individual taxation in Switzerland?<\/strong><\/h4><p>With individual taxation, each person in the marriage or registered partnership is taxed separately. Your own income is no longer added together with your partner's income. The adjusted standard rate now applies to everyone.<\/p><h4><strong>When does individual taxation apply in Switzerland?<\/strong><\/h4><p>Finance Minister Karin Keller-Sutter has confirmed that the law will enter into force on 1 January 2032 at the earliest. The cantons will be given a transitional period for technical and legal implementation at cantonal level.<\/p><h4><strong>Who benefits from individual taxation?<\/strong><\/h4><p>Mainly dual-earner couples where both people earn a similar level of income. The more evenly the income is split, the greater the tax savings. Families with children also benefit from higher child deductions.<\/p><h4><strong>How high is the marriage penalty in Switzerland?<\/strong><\/h4><p>This varies from case to case. For a couple with a gross income of CHF 100,000 each, the marriage penalty on direct federal tax is currently around CHF 2,800 per year. It can be significantly higher for higher incomes. Calculate your personal situation in the calculator above.<\/p><h4>Does the calculator also apply to unmarried couples?<\/h4><p>The calculator is primarily designed for married couples, as this is where the biggest change will take place. Unmarried couples are already taxed separately at the basic rate. With the reform, all individuals would continue to be taxed individually, but with a new standard rate. This is strongly orientated towards the current basic rate and is similar or slightly lower for many low and middle incomes. For unmarried couples, this does not generally mean a major change - they often pay roughly the same or slightly less federal tax.<\/p><h4><strong>Does the calculator take cantonal taxes into account?<\/strong><\/h4><p>No. The calculator only calculates the direct federal tax according to the 2024 rates. Cantonal and communal taxes are not included, as these vary greatly from canton to canton and the implementation of individual taxation at cantonal level will not take place until later.<\/p><h4><strong>Does individual taxation also apply to registered partnerships?<\/strong><\/h4><p>Yes, registered partnerships are treated in the same way as marriages for tax purposes. The new regulation applies to everyone.<\/p><h2>Conclusion: What does this mean for you?<\/h2><p>Individual taxation is one of the biggest tax reforms in Switzerland in recent decades. It is an advantage for most dual-earner households, but an additional burden for single-earner couples.<\/p><p>There is still time before the system comes into force. Use this time to know your situation, not to wait, but to make informed plans. If you want to use the time until 2032 to build up your assets, Schwiizerfranke has everything you need to know about <a href=\"https:\/\/www.schwiizerfranke.com\/en\/etf-sparplan-schweiz\/\">ETF savings plans in Switzerland<\/a> and to the <a href=\"https:\/\/www.schwiizerfranke.com\/en\/saeule-3a-vergleich\/\">Pillar 3a<\/a>.<br \/>And if you're looking for more valuable calculators, take a look at our best <a href=\"https:\/\/www.schwiizerfranke.com\/en\/beste-finanztools\/\">Financial tools<\/a> an.<\/p><p>Calculate your personal situation in the calculator above. And if you have any questions: In our <a href=\"https:\/\/community.schwiizerfranke.com\/\">Swiss-French community<\/a> readers discuss precisely such topics on a daily basis.<\/p><p><em>All calculations are based on a model for direct federal tax based on the published federal bases. This article and the calculator are not a substitute for tax advice. For binding information, please contact your tax authority or an authorised tax advisor.<\/em><\/p><p><em>Status: March 2026 <\/em><code><\/code><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1fd6ff4d elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"1fd6ff4d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2881508e\" data-id=\"2881508e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5cd15fa6 elementor-widget elementor-widget-template\" data-id=\"5cd15fa6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"10302\" class=\"elementor elementor-10302\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1670a70b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1670a70b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-31b3364e\" data-id=\"31b3364e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-21556c46 elementor-widget elementor-widget-heading\" data-id=\"21556c46\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Our financial tips for 2026<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ab75a9a elementor-hidden-mobile elementor-widget elementor-widget-text-editor\" data-id=\"3ab75a9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>\"Intelligent people learn from the mistakes of others\".<\/strong><\/p><p><em>We have compiled our top selection for you from all our tests and experience reports:<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-56648290 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"56648290\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-3ad9b76b elementor-hidden-phone\" data-id=\"3ad9b76b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-64c847f0 elementor-widget elementor-widget-image\" data-id=\"64c847f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.schwiizerfranke.com\/en\/online-broker-vergleich-schweiz\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2021\/07\/Online-Broker-Vergleich-trading-Plattformen-vergleich-Schweizer-broker-Vergleichs-Test-2.png\" class=\"elementor-animation-grow attachment-large size-large wp-image-28213\" alt=\"Online broker comparison trading platforms comparison Swiss broker comparison test\" srcset=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2021\/07\/Online-Broker-Vergleich-trading-Plattformen-vergleich-Schweizer-broker-Vergleichs-Test-2.png 500w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2021\/07\/Online-Broker-Vergleich-trading-Plattformen-vergleich-Schweizer-broker-Vergleichs-Test-2-300x300.png 300w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2021\/07\/Online-Broker-Vergleich-trading-Plattformen-vergleich-Schweizer-broker-Vergleichs-Test-2-150x150.png 150w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2021\/07\/Online-Broker-Vergleich-trading-Plattformen-vergleich-Schweizer-broker-Vergleichs-Test-2-12x12.png 12w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" title=\"\">\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-7cd35300\" data-id=\"7cd35300\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3cc77158 elementor-widget elementor-widget-image\" data-id=\"3cc77158\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.schwiizerfranke.com\/en\/bank-vergleich-schweiz\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Schweizer-Bankkonto-Empfehlung-Test-Erfahrungsbericht-Konto.png\" class=\"elementor-animation-grow attachment-large size-large wp-image-6035\" alt=\"Swiss bank account recommendation test experience report account\" srcset=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Schweizer-Bankkonto-Empfehlung-Test-Erfahrungsbericht-Konto.png 500w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Schweizer-Bankkonto-Empfehlung-Test-Erfahrungsbericht-Konto-300x300.png 300w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Schweizer-Bankkonto-Empfehlung-Test-Erfahrungsbericht-Konto-150x150.png 150w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Schweizer-Bankkonto-Empfehlung-Test-Erfahrungsbericht-Konto-12x12.png 12w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" title=\"\">\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-3aeb8552\" data-id=\"3aeb8552\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5d0cb3f8 elementor-widget elementor-widget-image\" data-id=\"5d0cb3f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.schwiizerfranke.com\/en\/kostenfreie-finanz-ebooks\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2021\/07\/schwiizerfranke-ebook-investment-guide-schweiz-pdf-download.png\" class=\"elementor-animation-grow attachment-large size-large wp-image-10469\" alt=\"swiizerfranke ebook investment guide switzerland pdf download\" srcset=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2021\/07\/schwiizerfranke-ebook-investment-guide-schweiz-pdf-download.png 500w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2021\/07\/schwiizerfranke-ebook-investment-guide-schweiz-pdf-download-300x300.png 300w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2021\/07\/schwiizerfranke-ebook-investment-guide-schweiz-pdf-download-150x150.png 150w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2021\/07\/schwiizerfranke-ebook-investment-guide-schweiz-pdf-download-12x12.png 12w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" title=\"\">\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-26cf5943 elementor-hidden-phone\" data-id=\"26cf5943\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1851e49d elementor-widget elementor-widget-image\" data-id=\"1851e49d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.schwiizerfranke.com\/en\/saeule-3a-vergleich\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Saeule-3a-Vergleich-Empfehlung-Erfahrungsbericht-.png\" class=\"elementor-animation-grow attachment-large size-large wp-image-6036\" alt=\"Pillar 3a Comparison Recommendation Experience Report\" srcset=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Saeule-3a-Vergleich-Empfehlung-Erfahrungsbericht-.png 500w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Saeule-3a-Vergleich-Empfehlung-Erfahrungsbericht--300x300.png 300w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Saeule-3a-Vergleich-Empfehlung-Erfahrungsbericht--150x150.png 150w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Saeule-3a-Vergleich-Empfehlung-Erfahrungsbericht--12x12.png 12w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" title=\"\">\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div 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Buy Bitcoin\" srcset=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Crypto-Broker-Schweiz-Vergleich-Bitcoin-kaufen.png 500w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Crypto-Broker-Schweiz-Vergleich-Bitcoin-kaufen-300x300.png 300w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Crypto-Broker-Schweiz-Vergleich-Bitcoin-kaufen-150x150.png 150w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Crypto-Broker-Schweiz-Vergleich-Bitcoin-kaufen-12x12.png 12w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" title=\"\">\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-5bd31a85\" data-id=\"5bd31a85\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-763158d4 elementor-widget elementor-widget-image\" data-id=\"763158d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.finanzuni.ch\/finanzfahrplan\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2021\/07\/schweizer-online-finanzkurs-investieren-vorsorge-online-lernen-live-calls-swiss-online-finance-course-.png\" class=\"elementor-animation-grow attachment-large size-large wp-image-26638\" alt=\"swiss online finance course investing pensions online learning live calls swiss online finance course\" srcset=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2021\/07\/schweizer-online-finanzkurs-investieren-vorsorge-online-lernen-live-calls-swiss-online-finance-course-.png 500w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2021\/07\/schweizer-online-finanzkurs-investieren-vorsorge-online-lernen-live-calls-swiss-online-finance-course--300x300.png 300w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2021\/07\/schweizer-online-finanzkurs-investieren-vorsorge-online-lernen-live-calls-swiss-online-finance-course--150x150.png 150w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2021\/07\/schweizer-online-finanzkurs-investieren-vorsorge-online-lernen-live-calls-swiss-online-finance-course--12x12.png 12w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" title=\"\">\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Individualbesteuerung Rechner Schweiz: Heiratsstrafe berechnen Am 8. M\u00e4rz 2026 hat die Schweiz die Individualbesteuerung mit 54.3% Ja-Stimmen angenommen. Mit unserem Individualbesteuerung Rechner berechnest du in wenigen Sekunden, wie sich das auf eure Steuern auswirkt. Steuerrechner: Individualbesteuerung vs. heutiges System Bei einem Ehepaar mit CHF 100&#8217;000 und CHF 80&#8217;000 Bruttolohn spart die Individualbesteuerung rund CHF 1&#8217;836 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":44871,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_wp_convertkit_post_meta":{"form":"-1","landing_page":"","tag":"0","restrict_content":"0"},"footnotes":""},"categories":[1,468,509],"tags":[1180,1174,1179,1175,1176],"class_list":["post-44865","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-allgemein","category-rechner","category-steuern","tag-ehepaare","tag-heiratsstrafe-rechner","tag-hochzeit","tag-individualbesteuerung-rechner","tag-steuer-rechner"],"_links":{"self":[{"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/posts\/44865","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/comments?post=44865"}],"version-history":[{"count":26,"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/posts\/44865\/revisions"}],"predecessor-version":[{"id":46085,"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/posts\/44865\/revisions\/46085"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/media\/44871"}],"wp:attachment":[{"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/media?parent=44865"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/categories?post=44865"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/tags?post=44865"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}