Tax comparison
🇨🇭Lucerne vs 🇨🇭Aargau
At €80,000 gross, the net annual salary is 58,807 CHF in Lucerne and 58,787 CHF in Aargau, a gap of 20 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: Lucerne and Aargau
Lucerne (Swiss canton) and Aargau (Swiss canton) have distinct approaches to taxing employment income. On a gross salary of €80,000, the effective total deduction rate is 21.1% in Lucerne compared to 21.1% in Aargau. That translates to a difference of roughly €22 per year in favor of Lucerne.
In Lucerne, federal tax is 775 CHF while cantonal and municipal taxes add 6,620 CHF, with social contributions (AHV, ALV, BVG) totaling 8,286 CHF. In Aargau, federal tax is 775 CHF with cantonal/municipal taxes of 6,640 CHF and social contributions of 8,286 CHF.
The net annual take-home is 58,807 CHF in Lucerne and 58,787 CHF in Aargau. 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.
Tipping point
That figure answers the same net. For the gross that gives back the same purchasing power, restated at each side's price level, the two answers sit side by side.
Across the €30,000 to €250,000 gross range the ranking of the two nets reverses 2 times, at around €33,000 and €79,000; the table above gives the direction at each level.
Detailed comparison at €80,000 gross
| Lucerne | Aargau | |
|---|---|---|
| Gross annual salary | 74,488 CHF | 74,488 CHF |
| Income tax (national or federal) | 775 CHF | 775 CHF |
| Cantonal and municipal tax | 6,620 CHF | 6,640 CHF |
| Social contributions | 8,286 CHF | 8,286 CHF |
| Total deductions | 15,681 CHF | 15,701 CHF |
| Net annual salary | 58,807 CHF | 58,787 CHF |
| Net monthly salary | 4,901 CHF | 4,899 CHF |
| Effective deduction rate | 21.1% | 21.1% |
Breakdown of social contributions
Lucerne
| AHV/IV/EO (old-age, disability) | 3,948 CHF |
|---|---|
| ALV (unemployment) | 819 CHF |
| BVG/LPP (pension fund) | 2,401 CHF |
| UVG (accident insurance) | 1,117 CHF |
| Total contributions | 8,286 CHF |
Aargau
| AHV/IV/EO (old-age, disability) | 3,948 CHF |
|---|---|
| ALV (unemployment) | 819 CHF |
| BVG/LPP (pension fund) | 2,401 CHF |
| UVG (accident insurance) | 1,117 CHF |
| Total contributions | 8,286 CHF |
Examples at several salary levels
| Gross (EUR) | Rate Lucerne | Net Lucerne | Rate Aargau | Net Aargau |
|---|---|---|---|---|
| €45,000 | 16.0% | €37,803 | 15.3% | €38,122 |
| €80,000 | 21.1% | €63,158 | 21.1% | €63,137 |
| €120,000 | 23.2% | €92,194 | 24.4% | €90,779 |
| €250,000 | 26.9% | €182,691 | 29.7% | €175,820 |
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 63,943 CHF in Lucerne and 64,723 CHF in Aargau, a gap of 780 CHF per year.
Sources: estv.admin.ch + cantonal tax administration, tax year 2026
This tool provides estimates based on public datasets. It is not the opinion of a tax lawyer. Consult a tax lawyer, a chartered accountant or a licensed financial professional before making relocation or employment decisions.