Before you sign: what the offer means for you and your family
The free tools show your disposable income in each canton. The Offer Decision Report applies these figures to your own offer, contract and household, so that you can decide and plan the move with the full picture. Swiss Year Planner then follows the deadlines and savings opportunities of your years in Switzerland.
Three ways to use My Swiss Chapter
Most tools are free and need no account. A free account remembers your work and fills in what you have already told us. The paid products look at your own offer, contract and household.
- Disposable income in all 26 cantons
- Two salaries compared, line by line
- Checklists for arriving in and leaving Switzerland
- The three municipalities that best fit your criteria
- Everything without an account
- Checklists and comparisons saved on every device
- Calendar files and email reminders for your checklist dates
- Your household and canton filled in across the tools
- Everything with a free account
- Your own offer, contract and household: the Offer Decision Report
- Contract Clarity Check and up to eight municipalities with your disposable income
- Your first year in Switzerland: checks, letters explained and replies drafted (Swiss Year Planner)
Products and pricesPaid
Offer Decision Report
For one decision- Your salary compared with Swiss benchmarks for the role, region and experience
- Contract Clarity Check: key terms, where the law covers them, and points to clarify (not a legal check)
- Break-even salary and your reference points from official wage data
- Household outlook over 5 or 10 years, in three scenarios
- Up to eight municipalities that meet your criteria, with disposable income in each, and up to five compared side by side
- Write & Understand and personal reminders, through the included year of Swiss Year Planner
Includes the first year of Swiss Year Planner
Swiss Year Planner
CHF 39a yearRenews each year until you cancel. Included for the first year with the Report.- Savings opportunities, each with an estimated amount in CHF
- Write & Understand: letters explained and replies drafted in German, French or Italian, and your own reminders
- Dates for permit renewal and naturalisation, with the official steps
- A monthly briefing, skipped when there is nothing to act on
- Your outlook updated when your situation changes
Final prices in CHF. Card payment via Stripe. No payment is taken until the products are available.
Example: a higher salary, lower disposable income
A couple with one child lives in Aargau on CHF 115’000. An employer in Basel offers CHF 120’000, and the family would move to Basel-Stadt.
Calculated with the figures of the free tools: estimated income tax for the cantonal capital, typical rent and average health insurance for two adults and one child, before childcare. In the Report, you enter your own rent, tax rate and costs.
- Disposable income per month today, Aargau
- CHF 5’423
- Disposable income per month with the offer, Basel-Stadt
- CHF 5’244
- Difference each month
- − CHF 179
- Salary needed in Basel-Stadt to keep today’s disposable income
- CHF 123’100
What the Report contains
Six answers for your own offer and household, in the order in which a decision needs them.
Your offer and the market
How does the offer compare with today and with the market?
- Your salary compared with Swiss salary benchmarks for the role, region, age and level of experience
- The break-even salary: the gross salary you need to keep today’s disposable income
- Your reference points side by side: the salary that keeps today’s disposable income, the market median and the upper quartile
Contract Clarity Check
What does the contract say, and what is missing?
- Salary, 13th salary, variable pay, pension contributions, working hours and holidays
- Probation and notice periods, non-compete and intellectual property clauses, relocation benefits
- Each point marked as a contract term, general information or a point to clarify; the check does not compare the contract with the law and is not a legal check
Household outlook (5 or 10 years)
How will your household finances develop?
- Disposable income per month, year by year, in a cautious, an expected and an optimistic scenario
- Milestones such as a child starting school, childcare ending, a partner changing working hours and higher pension contributions with age
- Every assumption shown, and editable
Where to live
Which municipalities suit your household?
- Up to eight municipalities that meet your criteria for commute, childcare, schools and lifestyle, with public transport routes to your place of work
- Your estimated disposable income in each, with the municipality’s own income tax (ESTV figures and its tax rate)
- Up to five municipalities compared side by side; the selected municipality can be used throughout the Report
Letters and dates
What arrives by post, and what is due when?
- Letters and emails in German, French or Italian explained, with a suggested reply
- Messages to the municipality, school, landlord or insurer drafted in the appropriate language
- Your own reminders and the dates stated in letters, exported to your calendar
Partner and children (family version)
What does the move mean for your partner and children?
- When your partner’s qualifications need official recognition, and which office decides
- Childcare places, costs and subsidies, and a language route near where you would live
- Additional scenarios, such as one income, part-time work or a second child
Swiss Year Planner: the dates that are worth money
Many savings in Switzerland depend on a date: miss it, and the opportunity is gone for a year. Swiss Year Planner checks which of them apply to you, estimates what each is worth for your household, and reminds you only when there is something to do.
- 30 November
Health insurance
Basic insurance premiums compared for your region and household. A change takes effect on 1 January if your current insurer receives your cancellation by 30 November.
- 31 December
Pillar 3a
Whether you can contribute, the maximum for your situation and the estimated income tax saving. The payment must be credited by 31 December.
- 31 March
Tax at source
Whether you may benefit from a correction or a subsequent ordinary assessment, which must be requested by 31 March of the following year.
- When the reference rate falls
Rent
Whether a fall in the mortgage reference interest rate allows you to request a rent reduction, and an estimate of the amount, subject to the other cost factors in your lease.
- Your own dates
Permits and naturalisation
When your permit must be renewed, from when a C permit may be possible, and the earliest date for a naturalisation application under federal, cantonal and communal rules.
Amounts are estimated for your household, with the assumptions shown, and marked as potential until you confirm them. The tax saving from pillar 3a is shown separately from cash savings, because the money stays invested for retirement. My Swiss Chapter recommends no insurer and receives no commissions.
What each option includes
| Feature | No account | Free account | Report | Swiss Year Planner |
|---|---|---|---|---|
| Disposable income in every canton, after estimated income tax | Included | Included | Included | Included |
| Two offers side by side, with average costs | Included | Included | Included | Included |
| Checklists and comparisons saved on every device | Not included | Included | Included | Included |
| Calendar files and email reminders for checklist dates | Not included | Included | Included | Included |
| Your household and canton filled in across the tools | Not included | Included | Included | Included |
| Salary benchmark for your role, break-even salary and your reference points | Not included | Not included | Included | Not included |
| AI Contract Clarity Check | Not included | Not included | Included | Not included |
| Household outlook (5 or 10 years) | Not included | Not included | Included | Updated |
| Municipalities that meet your criteria | Top 3 | Top 3 | Up to 8 | Kept |
| Write & Understand and personal reminders | Not included | Not included | Included | Included |
| Savings opportunities with an estimated amount in CHF | Not included | Not included | First check | All year |
| Monthly briefing, when there is something to act on | Not included | Not included | Not included | Included |
| Job, vacancy or employer suggestions | Never | Never | Never | Never |
Intended for
- Professionals considering an offer in Switzerland, from abroad or from another canton
- Couples and families who decide together
- Residents who want to keep track of deadlines and savings (Swiss Year Planner)
What My Swiss Chapter does not provide
No tax or legal advice, no job, vacancy or employer suggestions, and no products for sale: My Swiss Chapter receives no payments from insurers, landlords or relocation companies. Every figure states its source and date.
Questions
When will the Report and Swiss Year Planner be available?
We are building them now, and will open them once the Contract Clarity Check and the calculations have been tested on real cases. No payment is taken before then.
What does the family version add?
For CHF 99 instead of CHF 79: information for your partner and children (when qualifications need recognition and where to apply, childcare and language courses) and additional household scenarios, such as one income, part-time work or a second child.
Is Swiss Year Planner a subscription?
Yes, an annual one: CHF 39 a year, renewed each year until you cancel. With the Report, the first year is included, and we remind you before the first payment is due. The Report itself is a single payment.
Does it replace a tax adviser, a lawyer or a relocation company?
No. The Report prepares your decision and shows which questions remain open. Where a tax adviser, a lawyer or an authority is needed, it says so.
What happens to my contract and the figures I enter?
Your contract is read once to extract its terms; you check them, and the document is then deleted. Only the figures you confirm are stored in your My Swiss Chapter account. They are used only for your Report and Swiss Year Planner, never shared, and deleted at your request or when you close your account.
Does My Swiss Chapter suggest jobs or employers?
No. My Swiss Chapter provides information for decisions you make yourself. None of its products suggests positions, vacancies or employers.
Free salary calculator
Your estimated disposable income in each of the 26 cantons, without an account.