Tax comparison
🇨🇭Genevavs🇨🇭Bern
At €80,000 gross, the net annual salary is 58,492 CHF in Geneva and 55,537 CHF in Bern, a gap of 2,955 CHF per year. EXPATRIATION.IO comparison, 2026 tax scales: adjust the gross salary and the household below.
Enter in EUR. Converted to local currency automatically.
Comparing taxes: Geneva and Bern
Geneva (Swiss canton) and Bern (Swiss canton) have distinct approaches to taxing employment income. On a gross salary of €80,000, the effective total deduction rate is 22.1% in Geneva compared to 26.1% in Bern. That translates to a difference of roughly €3,147 per year in favor of Geneva.
In Geneva, federal tax is 798 CHF while cantonal and municipal taxes add 7,463 CHF, with social contributions (AHV, ALV, BVG) totaling 8,367 CHF. In Bern, federal tax is 785 CHF with cantonal/municipal taxes of 10,431 CHF and social contributions of 8,367 CHF.
The net annual take-home is 58,492 CHF in Geneva and 55,537 CHF in Bern. These figures assume a single filer with no children or special deductions. Actual results vary based on household composition, deductions, and specific tax credits available in each jurisdiction.
Equivalent gross and tipping point
At €80,000 gross in Geneva, about €84,800 gross is needed in Bern to reach the same net salary.
Across the €30,000 to €250,000 gross range, Geneva leaves the higher net salary at every level tested.
Detailed comparison at €80,000 gross
| Geneva | Bern | |
|---|---|---|
| Gross annual salary | 75,120 CHF | 75,120 CHF |
| Income tax (national or federal) | 798 CHF | 785 CHF |
| Cantonal and municipal tax | 7,463 CHF | 10,431 CHF |
| Social contributions | 8,367 CHF | 8,367 CHF |
| Total deductions | 16,628 CHF | 19,583 CHF |
| Net annual salary | 58,492 CHF | 55,537 CHF |
| Net monthly salary | 4,874 CHF | 4,628 CHF |
| Effective deduction rate | 22.1% | 26.1% |
Breakdown of social contributions
Geneva
| AHV/IV/EO (old-age, disability) | 3,981 CHF |
|---|---|
| ALV (unemployment) | 826 CHF |
| BVG/LPP (pension fund) | 2,433 CHF |
| UVG (accident insurance) | 1,127 CHF |
| Total contributions | 8,367 CHF |
Bern
| AHV/IV/EO (old-age, disability) | 3,981 CHF |
|---|---|
| ALV (unemployment) | 826 CHF |
| BVG/LPP (pension fund) | 2,433 CHF |
| UVG (accident insurance) | 1,127 CHF |
| Total contributions | 8,367 CHF |
Examples at several salary levels
| Gross (EUR) | Rate Geneva | Net Geneva | Rate Bern | Net Bern |
|---|---|---|---|---|
| €45,000 | 13.4% | €38,976 | 21.2% | €35,457 |
| €80,000 | 22.1% | €62,291 | 26.1% | €59,145 |
| €120,000 | 27.0% | €87,624 | 29.0% | €85,244 |
| €250,000 | 34.2% | €164,506 | 35.1% | €162,311 |
These figures assume a single filer with no children; the tool above lets you adjust the salary and the household configuration (married, 1 to 3 children).
With a married household and two children, at the same €80,000 gross, the net annual salary is 66,753 CHF in Geneva and 62,185 CHF in Bern, a gap of 4,568 CHF per year.
Sources: estv.admin.ch + cantonal tax administration, tax year 2026
This tool provides estimates based on public datasets. It is not tax advice. Consult a licensed tax advisor or financial professional before making relocation or employment decisions.