Updated 25 October 2026
Quick answer: In Switzerland in 2026, an average earner keeps 82% of their pay after income tax and social security; mortgage rates are about 1.1%; the state pension age is 65 men / 64 y 6 m women. The table below puts 6 everyday money measures for Switzerland side by side and ranks each one against the other countries in our data, using official figures from national statistics offices, central banks, the OECD and Eurostat.
Against the other countries in our data, Switzerland stands out here: its tax on an average wage, 18.1% (keeps 82%), is the 6th lowest of 38 countries. It sits nearer the middle for state pension age. It has no inheritance tax for children.
Switzerland at a Glance
| Measure | Switzerland | Rank |
|---|---|---|
| Tax on an average wage | 18.1% (keeps 82%) | 6th lowest of 38 |
| Mortgage rate | 1.1% (SARON mortgage, 2026) | Lowest of 31 |
| State pension age | 65 men / 64 y 6 m women | 19th lowest of 39 |
| Pension (share of pay) | 47.5% of net pay | 11th lowest of 50 |
| Bank deposit protection | CHF 100,000 per person, per bank | — |
| Inheritance tax (children) | None | — |
Rank compares Switzerland with the other countries in each dataset; "highest" means the largest value. "—" means the measure isn't ranked.
Income Tax and Take-Home Pay in Switzerland
A single worker on the average wage in Switzerland (about $107,000 at purchasing-power parity) pays 18.1% of gross pay in income tax and employee social security, so they keep 82%. That is 6th lowest of 38 countries, against an OECD average of 25.1%.
Income tax and employee social security take 18.1% of pay at the average wage, 15.0% at two-thirds of it and 22.9% at 1.67 times it. Including employer contributions, the total tax wedge is 23.0% of labour costs.
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Mortgage Rates in Switzerland (2026)
The typical mortgage rate in Switzerland is 1.1% (SARON mortgage, 2026), the lowest of 31 countries we compare.
Three-month SARON close to zero plus a bank margin from about 1%; SNB policy rate 0%.
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Retirement Age in Switzerland
The state pension age in Switzerland is 65 men / 64 y 6 m women for people reaching it in 2026; the earliest you can claim is 63 (reduced). Future change: 65 for women by 2028. Women's age is rising in three-month steps under the AHV 21 reform.
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How Much the State Pension Pays in Switzerland
A full-career average earner in Switzerland can expect a mandatory pension worth about 47.5% of their previous net pay, 11th least generous of 50 countries (OECD average 63.2%). Low earner (half the average wage): 59%. High earner (twice the average): 25%.
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How Much of Your Money Is Protected in Switzerland
Bank deposits in Switzerland are protected up to CHF 100,000 per depositor, per bank (about $121,300), under the esisuisse scheme. Money in payment apps and e-money wallets is usually not covered.
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Inheritance Tax in Switzerland
Switzerland has no inheritance tax for children. Spouses and children are exempt in almost all cantons; a few, such as Vaud, tax descendants at low rates. Voters rejected a 50% federal tax on large estates in 2025.
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Switzerland vs Austria, Czechia and Germany
The same measures for Switzerland and its nearest neighbours in our data, side by side.
| Measure | Switzerland | Austria | Czechia | Germany |
|---|---|---|---|---|
| Tax on an average wage | 18.1% (keeps 82%) | 32.5% (keeps 68%) | 21.3% (keeps 79%) | 38.7% (keeps 61%) |
| Mortgage rate | 1.1% (SARON mortgage, 2026) | 3.61% (new home loans, August 2026) | — | 4% (new home loans, August 2026) |
| State pension age | 65 men / 64 y 6 m women | 65 men / 61 y 6 m women | 64 y 6 m | 66 y 4 m |
| Pension (share of pay) | 47.5% of net pay | 86.8% of net pay | 55.9% of net pay | 53.3% of net pay |
| Bank deposit protection | CHF 100,000 per person, per bank | €100,000 per person, per bank | €100,000 per person, per bank | €100,000 per person, per bank |
| Inheritance tax (children) | None | None | — | top rate 30% |
Compare Switzerland With Other Countries
See every country side by side in Compare Countries 2026: Wages, Tax, Mortgages and Pensions, or compare Switzerland with nearby countries in our data: Austria, Czechia, Germany, Poland, Slovakia and Slovenia.
Related Guides
Figures checked against the official sources listed in each linked guide in October 2026. Exchange-rate conversions are approximate. This page is for information and isn't financial or legal advice.
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