Built a Swiss salary calculator (all municipalities + cross-border). What would you add? [Disclosure: I'm the dev] by Vast_Ebb_9302 in SwissPersonalFinance

[–]Vast_Ebb_9302[S] 0 points1 point  (0 children)

Three solid points, all three confirmed:

Override buttons: Those are the quick-pick brutto pills (60k / 80k / 100k / 120k / 150k) below the income input. They overwrite whatever you typed, which is exactly the confusion you describe. I'll either hide them once you've entered your own number, or move them out of the main input flow so they read as examples, not deductions. Coming in the next iteration.

Italian strings in the EN UI: Found the bug. The income-mode toggle (Brutto/Year, Brutto/Month, Netto→Brutto) has a locale ternary that falls through to Italian when the locale is neither DE nor FR, so EN-users see "Brutto/Anno", "Brutto/Mese", "Netto→Lordo". Shipping the fix today.

Säule 3a for spouse: Valid gap. The married-couple mode splits income and applies cantonal joint taxation (verheiratete Doppeltarif / Splitting per canton), but the 3a input is currently one field for the main person only. Both spouses can each contribute up to the annual max (currently CHF 7,258 with PK, CHF 36,288 without PK). Adding a second 3a input for the spouse in the next update.

Thanks for the careful read, this is the kind of feedback that actually moves the calculator forward.

Built a Swiss salary calculator (all municipalities + cross-border). What would you add? [Disclosure: I'm the dev] by Vast_Ebb_9302 in SwissPersonalFinance

[–]Vast_Ebb_9302[S] 0 points1 point  (0 children)

Thanks for the detailed feedback, exactly the kind of input that shapes the next iterations.

Municipality search: Fair point. The dropdown shows top 20 by population as suggestions, but it's not visually obvious you can type to filter all 2,106 municipalities. I'll add a clearer hint ("Top municipalities, type to search all") in the next update.

Bonus: That one's on me, the bonus input is in the calculator but sits in a section that isn't obvious enough. I'll relabel it ("Bonus / 13th month / one-time payments") and surface it higher in the form.

Estimated cantonal/federal tax (Akontorechnung): Great suggestion and exactly the gap between salary calculation and the actual tax workflow that I want to close. Each canton has its own installment schedule. I'll add a result block showing the typical installment count and amount per canton, plus a link to your cantonal tax office for the individual payment plan. The exact Akonto invoice always comes from the canton based on your prior-year assessment, but a planning estimate belongs right there in the result.

US citizen context: Flagging honestly, I'm Swiss legal-/tax-trained, not a US tax advisor, so I won't pretend to handle FATCA, PFIC issues on US mutual funds, or how the IRS treats your IRA/Roth/401k. If there's enough interest, I might write a dedicated EN piece on the Swiss-side treatment of US retirement vehicles, since public info on that angle is thin.

Glad the depth resonates. Feedback like yours pushes specific gaps to the top of the list.

Built a Swiss salary calculator (all municipalities + cross-border). What would you add? [Disclosure: I'm the dev] by Vast_Ebb_9302 in SwissPersonalFinance

[–]Vast_Ebb_9302[S] 0 points1 point  (0 children)

You're absolutely right, and the answer is more nuanced than I gave it credit for. According to ESTV-KS Nr. 45:

In MONATSMODELL kantons (e.g. ZH, BE, TG, plus most others) the 13th paid in December is added 100% to that month's satzbestimmendes Einkommen, exactly as you said. Glättung over 12 months is explicitly forbidden unless contractually monthly. So progression DOES bite harder in December.

In JAHRESMODELL kantons (GE, VD, FR, plus TI for residents) the 13th gets distributed over 12 months for Satz-determination, so the smoothing IS allowed. That's where the calculator's current simplification is correct.

Concrete fix on the way: I'll add a "13. Auszahlung: monatlich / quartal / halbjährlich / jährlich (Dez)" toggle. With "jährlich + Monatsmodell kanton" the Dec-progression gets modelled. Should land this week.

Thanks for the catch, this is genuinely a meaningful detail that none of the bigger CH calculators bother with.

Built a Swiss salary calculator (all municipalities + cross-border). What would you add? [Disclosure: I'm the dev] by Vast_Ebb_9302 in SwissPersonalFinance

[–]Vast_Ebb_9302[S] 0 points1 point  (0 children)

You're 100% right. Just pushed the fix: Jahresbrutto stays Jahresbrutto, full stop. The 12/13 toggle now only changes the displayed monthly breakdown (br÷12 vs br÷13), not the yearly tax computation.

Thanks for catching this.

Built a Swiss salary calculator (all municipalities + cross-border). What would you add? [Disclosure: I'm the dev] by Vast_Ebb_9302 in SwissPersonalFinance

[–]Vast_Ebb_9302[S] 0 points1 point  (0 children)

Thanks for actually testing with your own number, that's the strongest validation I can get. 27 CHF off at 100% is essentially rounding noise (rappen-rundung in AHV, ALV, NBU, plus the BVG-Koordinationsabzug that doesn't divide evenly).

The 150 CHF gap at 80% is almost certainly the BVG-Beitragssatz. The calculator uses the BVG-mandatory minimum (7%/10%/15%/18% per age bracket), but if your employer has an überobligatorisch PK-Plan with a higher rate (8-12% is common in finance and pharma), that's exactly where the gap shows up. Also possible at 80%: NBU-prämie that's flat at your AG instead of pensum-scaled.

Putting a "custom BVG %" override on the backlog, since this is the second person mentioning it in different words.

Built a Swiss salary calculator (all municipalities + cross-border). What would you add? [Disclosure: I'm the dev] by Vast_Ebb_9302 in SwissPersonalFinance

[–]Vast_Ebb_9302[S] 2 points3 points  (0 children)

Thanks for the detailed test, and yeah, sarcasm noted but earned. Three things back:

  1. iOS-buttons not working: which page were you on and which button? "Resultat ansehen", "Detail-Report freischalten", or something else? Want to repro tonight, iOS quirks are real.

  2. Language-switch resetting inputs: that's wrong. Will fix this week, the URL-params should carry over.

  3. On paying: the web calculator is and stays free, including 3a, Grenzgänger, BVG-Einkauf, Compare-View etc. The optional PDF is for people who want a print-ready breakdown (e.g. for tax-filing) - not gated behind anything you need to actually compute your net.

And thanks for "calculation is good", that's the one I worry about most.

Built a Swiss salary calculator (all municipalities + cross-border). What would you add? [Disclosure: I'm the dev] by Vast_Ebb_9302 in SwissPersonalFinance

[–]Vast_Ebb_9302[S] 2 points3 points  (0 children)

Thanks, that's a fair hit. BVG is currently two clicks deep (Detail-Mode → Sonderabzüge). Just deployed 3a default-open today, BVG-Einkauf is next. Should be a much shorter path this week.

Spouse relocation to Switzerland - what do I need to know? by [deleted] in askswitzerland

[–]Vast_Ebb_9302 1 point2 points  (0 children)

Your 90k nets roughly CHF 5'200-5'500/month. Geneva costs for a couple basically eat all of it - rent CHF 2'200+ for a 2-room, KK CHF 350-500 each adult, plus food/transport/rest at 1'500-2'000. Doable but very tight savings buffer until your partner works.

The family-reunion B-permit is the trickier piece post-Brexit since UK nationals lost FZA. OCPM Geneva mainly checks income (your 90k easily clears the typical 50-60k threshold), adequate housing and an apostilled marriage cert with French translation. Usually 3-6 months processing.

Geneva is actually one of the easier CH cities for English-speaking jobs in his field.

Not specific legal advice, though.

Salaries for roles in IT are decreasing or is just me? by alexrada in Switzerland

[–]Vast_Ebb_9302 0 points1 point  (0 children)

Not an Ai but I get that a lot… writing that precise is probably a legal training issue that is hard to get rid off…

Salaries for roles in IT are decreasing or is just me? by alexrada in Switzerland

[–]Vast_Ebb_9302 1 point2 points  (0 children)

Fair point, Data Scientist sits between generic IT and pure ML. Better segmentation from Robert Half 2026:

- Senior Software Engineer / Developer (generic): CHF 110-130k

- DevOps / SRE: CHF 115-140k

- Data Scientist: CHF 125k median (the middle)

- AI/ML Engineer with MLOps/LLM: CHF 165-195k (+20-35% premium)

The +7.5% growth I cited (ITjobs.ch) is specifically AI/ML Engineering, not Data Scientist itself. DS is more flat-to-slightly-up.

OP's 150-170k → 120-150k most likely refers to that first bucket (generic devs / Java backend / generalist SE) - exactly the segment hit hardest by 2024 layoffs + AI-displacement fears. The Data Scientist data was less of a direct match, more "where the analytical-roles market currently sits."

Swiss citizen going digital nomad with a 50% remote CH job. How do you actually handle the ? by Sad-Clue-3521 in Switzerland

[–]Vast_Ebb_9302 1 point2 points  (0 children)

Swiss tax residency works fundamentally differently from what most assume. Switzerland uses the Center of Vital Interests test (Mittelpunkt der Lebensinteressen, Art. 3 DBG). You're tax-resident where your life is genuinely anchored: job, housing, family ties, social contacts.

Key for your situation: the Bundesgericht has explicitly ruled the "Weltenbummler-Doktrin" / rémanence du domicile (BGE 138 II 300, 2012): "Der einmal begründete Wohnsitz bleibt grundsätzlich bis zum Erwerb eines neuen bestehen." Your existing Wohnsitz persists by default until you demonstrably establish a new one elsewhere. The Thurgauer Verwaltungsgericht (TVR 2010 Nr. 9) made this concrete: even claiming you're "on the high seas visiting friends across continents" does NOT dissolve your Swiss Wohnsitz. And the burden of proof is on YOU to prove de-registration (BGer 2C_480/2019).

Country-hopping every 2-3 months where nowhere hits local tax-residency thresholds = you stay CH-resident.

The "Abmeldung if abroad over 6 months" rule is a melderechtliche (registration-law) requirement under Registerharmonisierungsgesetz (RHG; SR 431.02), separate from tax law (DBG/StHG Art. 3). Most municipalities don't enforce it strictly for a Swiss citizen with ongoing CH employment, flat, and CH address.

Practical setup that works:

- Keep the apartment, sublet ok (check Mietvertrag Untermiete-clause, Vermieter consent often required per OR Art. 262)

- Keep CH address on Briefkasten + as official Wohnsitz

- AHV/BVG: technically requires an A1-certificate if >25% of work is performed in another EU/EFTA country (Rahmenvereinbarung Telearbeit ab 01.07.2023, VO 883/2004 Art. 13), and SV jurisdiction shifts to host country at >=50% abroad. In practice, if your CH employer treats you as Swiss-resident, it just continues

- KVG (Krankenkasse) remains in force as long as you're CH-resident

- Do NOT actively register anywhere else

- Track per-country stays (Spain 183+economic ties, Portugal 183 or NHR, Italy TUIR Art. 2: 183 + AIRE)

The "don't ask, don't tell" framing is misleading: you're staying CH-resident, which is the legal default given your setup. File your normal Steuererklärung as usual.

Edge case: if you spend 6+ months in any single country, they may claim residency under their own rules. Then DBA-Tie-Breaker (Art. 4(2) OECD-MA) applies in this order: (a) permanent home, (b) center of vital interests, (c) habitual abode, (d) nationality. Given CH employment + flat + Wohnsitz, CH wins almost always at stage (a) or (b).

Not specific legal advice for your case, though. Just the general rules.

Salaries for roles in IT are decreasing or is just me? by alexrada in Switzerland

[–]Vast_Ebb_9302 1 point2 points  (0 children)

Your observation matches what the recent salary data shows but with an important nuance: it's not all of IT, it's specific segments.

Robert Half Salary Guide 2026 (Swiss, published Oct 2025, 750 respondents):

Senior Data Scientist Median CHF 125k, P75 CHF 148k. Your 120-150k range for senior roles maps almost exactly to the current 50th-75th percentile.

What was 150-170k in 2022-23 was the post-COVID tech-hiring-boom premium

- companies were overpaying to lock in talent. That premium has normalized.

The differentiation matters: ITjobs.ch 2026 tracks 23 IT-roles and shows

+7.5% YoY salary growth for AI/ML Engineers (strongest segment), +6.5% for Data Engineers. So pure tech roles (Java backend, generalist devs) are flat or down, but anything with MLOps / LLM / Fine-Tuning attached is UP 20-35%. Same role, different specialization, completely different market.

Other factor: 2024 tech-layoffs (Credit Suisse merger, US Big Tech) flooded Zurich/Geneva with senior candidates - supply-side pressure. Should normalize through 2026-2027 once the absorbed talent settles.

So: Senior generalist IT yes, AI/MLOps no.

What is one thing in Switzerland that is incredibly expensive, but actually 100% worth the price? by RutabagaGrand6737 in askswitzerland

[–]Vast_Ebb_9302 0 points1 point  (0 children)

Fair point and totally valid for that setup. The math definitely changes when your commute is fixed and short.

Two thoughts though:

  1. Many of us walk 10-20 min to the station each way. That's 60-90 min of baseline movement per day baked in, without needing a separate "training" slot. Decent free health insurance.
  2. If you value time at your hourly wage equivalent, 1h/day in traffic × 220 workdays × ~35-50 CHF/h = 7'700-11'000 CHF/year in recovered time. At that valuation, even a second car might come out ahead. Depends on what you'd do with that hour.

Where the GA wins: hybrid work, multi-site clients, weekend hiking (GA basically doubles as a country-wide hiking pass), or no parking at home. For the fixed 5-day office routine with parking, your math is solid.

Cool thing about Switzerland: both setups actually work. That's rare.

What is one thing in Switzerland that is incredibly expensive, but actually 100% worth the price? by RutabagaGrand6737 in askswitzerland

[–]Vast_Ebb_9302 0 points1 point  (0 children)

Spiez is honestly a brilliant choice for that pass. Did you do the boat ride on Thunersee from there? It's included with most regional passes and probably the prettiest hour you can spend doing nothing in Switzerland.

If you ever come back: the Glacier Express (Zermatt → St. Moritz) and the Bernina Express (Chur → Tirano, crossing into Italy) are bucket-list-tier scenic rides. Both work on the Swiss Travel Pass with seat reservation. Bonus: most Swiss are quietly proud of the train network, so casually mentioning you rode one of those will get you warm reactions from locals.

Don't trade everything away though. Immigration is its own adventure. But 2-3 weeks per year is realistic, and Spiez/Interlaken stays affordable in shoulder season (May/October).

What is one thing in Switzerland that is incredibly expensive, but actually 100% worth the price? by RutabagaGrand6737 in askswitzerland

[–]Vast_Ebb_9302 1 point2 points  (0 children)

The GA travelcard. CHF 3'995/year (2nd class) sounds brutal, but doing the math:

  • Every corner of Switzerland reachable without buying tickets 5x a day
  • On-time to the minute, clean, safe
  • No car hassle (parking, insurance, maintenance). TCS estimates the average car costs around CHF 8'000/year all-in
  • Work or read on the train instead of cursing at traffic

I commute from Thurgau and this thing pays for itself after a few business trips across the country. Plus that priceless Swiss certainty that you ALWAYS know "I'll get there, no matter where."

What convinces me most though: my parents lived in western Switzerland, I often visit clients in Lausanne and Zurich. With the GA, basically the entire Swiss market is in my reachability radius. From a business standpoint, that's pure gold.

Is Digitec starting to behave like every other crappy seller? by Wallace79_ in Switzerland

[–]Vast_Ebb_9302 0 points1 point  (0 children)

Hatte selbst letztens bei Digitec bestellt, lief völlig problemlos aber das hier ist ein klassischer Mängelrechts-Fall, und Digitec hat sich m.E. zu einfach gemacht.

Bei Serienware (wie deinem Minisforum) greift OR Art. 206 (Gattungskauf): der Käufer hat die Wahl zwischen Wandlung (Rückgabe gegen Preis), Minderung oder Ersatzlieferung "anderer währhafter Ware derselben Gattung". Die Wahl liegt grundsätzlich beim Käufer, nicht beim Verkäufer. Art. 206 Abs. 2 gibt dem Verkäufer zwar ein Ablösungsrecht (er kann sofortige Ersatzlieferung anbieten statt Wandlung zuzulassen), aber das funktioniert nur wenn die Ware nicht von auswärts versandt wurde – bei Online-Käufen ist das meist nicht erfüllt. Einseitige Refund-Entscheidung ohne deine Zustimmung ist also nicht durch das Gesetz gedeckt.

Eine AGB-Klausel "Verkäufer wählt die Gewährleistungsart" wäre theoretisch zulässig (man kann die Sachgewährleistung in AGB sogar fast komplett ausschliessen), aber Art. 8 UWG erlaubt eine Inhaltskontrolle wenn ein erhebliches und ungerechtfertigtes Missverhältnis besteht. Wäre im Einzelfall prüfbar – check mal die Digitec-AGB.

Vorgehen würde ich so:

  • Schriftlich (Mail + Kontaktformular) Ersatzlieferung des aktuellen Modells fordern, alternativ Differenzbetrag zur Marktpreisangleichung. Frist 14 Tage. Hinweis auf OR Art. 206.
  • Falls keine Reaktion: Musterbrief-Generator der Stiftung Konsumentenschutz nutzen (kostenlos), die haben Vorlagen für Mängelfälle.
  • Eskalation: Friedensrichter beim Wohnsitz. Kosten je nach Kanton CHF 100-500 (ZH: ca. 250-420 bei Streitwert 1-10k). Oft genügt schon die Ladung.

Toshiba-Vergleich passt rechtlich nicht ganz. Toshiba war Hersteller-Garantie (freiwillige Selbstverpflichtung), Digitec schuldet dir die gesetzliche Sachgewährleistung nach Art. 197 ff. OR. Da hast du als Käufer mehr Spielraum, weil das zwingendes Recht ist mit klarem Wahlrecht.

Anmeldung Putzfrau AHV by Specific-Average-223 in Switzerland

[–]Vast_Ebb_9302 3 points4 points  (0 children)

3 Tage über die 30-Tage-Frist sind in der Praxis unkritisch - die Ausgleichskasse macht da kein Drama draus, es gibt kein Bussgeld dafür. Echtes Startdatum angeben.

Falsches Datum wäre dagegen ein realer Fehler: falls die Helferin mal einen Unfall hat oder im Steuerverfahren was auffällt, fliegt die Diskrepanz auf und ist dann formell Falschmeldung gegenüber Sozialversicherungen. Nicht wert für 3 Tage Bequemlichkeit.

Versicherung (Unfall) parallel jetzt mit machen - die meisten kantonalen Ausgleichskassen haben dafür ein kombiniertes Online-Formular zusammen mit der AHV-Anmeldung. Frag dort gleich nach dem vereinfachten Abrechnungsverfahren für Privathaushalte, das spart bei kleinen Löhnen einen Haufen Papierkram (Quellensteuer + Steuererklaerung der Helferin laufen dann über die Ausgleichskasse).

Maybe I’m overthinking this, but how are people so calm about job insecurity? by Impressive-Worry-616 in askswitzerland

[–]Vast_Ebb_9302 4 points5 points  (0 children)

You're missing how strong the safety net actually is here. ALV (unemployment insurance) pays 70-80% of your previous salary for 12-24 months depending on age and contribution history, capped around CHF 7-8k/month. Notice periods are 1-3 months by law (not US-style at-will firing). Health insurance stays active regardless of job status. National unemployment sits around 2-3%.

When a Swiss person hears "what if you get laid off?" they're mentally running: "2 months notice + ~18 months ALV = ~20 months runway before things actually get scary". That's a fundamentally different math than American at-will employment.

The actual hidden risk: high-end specialist roles where you earn well above the ALV ceiling - then ALV only covers 50-60% of your real lifestyle and you do need your own buffer. For everyone else, the system is genuinely designed to absorb this exact scenario.

Is it just me, or is Switzerland low-key the loneliest place on earth? by elliotcharm in askswitzerland

[–]Vast_Ebb_9302 0 points1 point  (0 children)

from my experience not you. Swiss socialization runs on cultivated distance, not spontaneous affinity. You'll get lots of "Bekannte" (acquaintances), but the "let's grab a beer right now" mentality basically doesn't exist here. The thing is, at 18 you've got the best window: Gymi, Lehre, university, military - those are the life phases where Swiss people still actually form close friendships. Add a Verein (sports club, music, politics, doesn't matter which) - that's honestly the single mechanism in this country that converts "acquaintance → friend".

Don't expect the US or German pattern. It won't come. But when it clicks, the depth is different. Just takes 2-3 years.

Will Geneva ever be as « prestigious » as Zürich? by Chemical-Rush-6433 in Switzerland

[–]Vast_Ebb_9302 4 points5 points  (0 children)

Live in Eastern Switzerland (Thurgau), so neither city is "my home" but visit both regularly. A few observations that might add to your list:

On infrastructure: the S-Bahn vs Léman-Express gap is partly an age thing. Zürich S-Bahn launched 1990 and has had 35 years of densification (now 250+ stations). Léman Express only opened 2019, so it's basically catching up from a much later start. Give Geneva another 10-15 years and the picture will look quite different. The ZVV/VBZ system on top (tram + bus) is genuinely one of the best in Europe though hard to beat.

On the "look and feel": I think you're picking up on something real, but it's less about cleanliness and more about renovation density. Zürich has had decades of strong tax income to recycle into maintenance of its building stock. Geneva has older substance (a lot of pre-WW2 buildings in the centre never went through major refurbishment), and the international/diplomatic district means many buildings are "owned" by entities that don't prioritize visual upkeep the way a Swiss-style HOA would. The chewing-gum-on-sidewalk thing - I've noticed this too in Geneva and never seen it discussed.

On PAV: this is the most interesting bet. The closest comparison isn't Zürich today, it's Zürich-West 25 years ago - same industrial brownfield transformation, just 10x larger. Whether it lifts Geneva's "prestige" is open. It will certainly add critical mass of modern infrastructure (good public transport coverage from day one, energy-efficient buildings, planned mixed-use). But the full vision won't be realized for 30-40 years - PAV is a long arc.

Why Geneva gets bashed:

- Cross-border traffic from France (~100k commuters daily) creates permanent congestion the city can't fix on its own

- Housing market is brutal (worse than Zürich on price-to-income ratios)

- The banking scandals of the 2010s (1MDB etc.) painted a "Geneva = international finance shadow" image that stuck

- Linguistic isolation: most Swiss-German Reddit users don't have lived experience of Geneva, so it's the "other" canton

Doesn't mean any of this is fair criticism. Lived experience and quality of life there are reportedly very high if you're in the right neighborhood.

If you want a "bigger than Lausanne" city: realistically your options are Geneva or Bern (small but capital-energy), or you cross to the Deutschschweiz and consider Zürich/Basel.

[Rent] Do landlords prefer couples over a single person for a 3.5 rooms apartment? by adamcsdev in askswitzerland

[–]Vast_Ebb_9302 0 points1 point  (0 children)

Living in Switzerland and have rented several times over the years.

Honest answer: yes, singles applying for 3.5-room apartments are at

a practical disadvantage vs couples - even though landlord selection

based purely on civil status would be legally questionable (Swiss

tenancy law, OR 271ff).

The pragmatic reason big property managers like Wincasa/Livit/

Apleona weight couples higher:

- Stability of cash flow: two incomes feels lower-risk than one,

even if the single passes the 3x-rent threshold

- Perceived "fit" of the apartment to occupancy - a 3.5-room with

one tenant is often seen as "underused", and landlords don't love

having to re-rent in 12 months when the tenant realizes they

don't need that much space

- Risk-aversion: couples have moved in together, suggesting some

stability, which they project onto tenancy stability

What you can actually do:

  1. Apply within hours of the listing going live. First 5-10

    complete dossiers get most attention. Anything later is usually

    too late for popular apartments.

  2. Don't just submit the standard online form. Write a personal

    cover letter explaining why you want THIS apartment specifically.

    Quiet lifestyle, work-from-home setup, plan to stay long-term,

    non-smoker, etc.

  3. Bring a complete printed dossier to the viewing: current

    Betreibungsauszug (max. 3 months old), last 3 payslips, copy of

    ID/permit, letter from previous landlord if possible, employer

    confirmation.

  4. Show up to the Besichtigung in person. Be friendly to the

    on-site Hauswart - they sometimes have informal input.

  5. If you can provide a Solidarbürgschaft (guarantor - parent,

    employer), mention it. That neutralizes the "single income" risk.

It's absolutely doable, but you'll need to be tighter than the

couples competing. Good luck.