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Service compliance guide
Engaging Childcare in your home makes you a household employer, with the same core duties as any domestic role: registration, social contributions, accident cover and proper pay. A few points are specific to this type of help.
Whatever the task, the framework is the same: register with your cantonal AHV compensation office (contributions are due from the first franc), pay AHV/IV/EO at 5.3% each and ALV at 1.1% each plus the canton-set family-allowance contribution, arrange UVG accident insurance, check BVG and withholding-tax eligibility, and issue a year-end Lohnausweis. Part-time Childcare usually fits the simplified settlement procedure — up to CHF 22,680 a year per employee and CHF 60,480 total payroll, with tax at a flat 5%.
In a private household, someone you engage to work for you is almost always your employee — even if they also work for other families, because each household is a separate employer. Genuine self-employment is recognised only when the compensation office confirms it: the person works under their own name and account, carries the business risk, and typically serves several clients with their own equipment and invoicing. Until the office has confirmed self-employed status, treat Childcare as employment and settle contributions accordingly.
Childcare in your home — a nanny or babysitter — is employment, and contributions are due from the first franc. One exemption is common here: people up to the year they turn 25 who earn no more than CHF 750 a year in your household are exempt from AHV unless they ask to contribute, which often covers occasional teenage babysitting. An au pair is also an employee: pay is board and lodging (valued at the standard AHV in-kind rate) plus cash pocket money, the host family takes out accident insurance, and au pairs from outside the EU/EFTA need a cantonal permit — so check your canton's au pair rules.
On top of the gross wage you add the employer's first-pillar contributions — 5.3% for AHV/IV/EO and 1.1% for ALV — plus the canton-set family-allowance contribution and the accident-insurance premium, together roughly 8–10% of gross. A wage below CHF 22,680 a year carries no occupational pension (BVG), and below that figure per employee the simplified procedure with its flat 5% tax is available. The family-allowance rate (by canton) and the accident premium (by insurer) are the variable lines, so treat those as approximate; AHV at 5.3% and ALV at 1.1% are fixed.
Helpore matches you with verified helpers for Childcare, enforces the applicable wage floor, and takes care of the household-employment administration — registration support, payroll allocation, insurance and documents — so you can focus on the help itself.
Yes — the core household-employment duties are identical for Childcare. The differences are mostly hours and pay: below CHF 22,680 a year there is no BVG, and non-occupational accident cover applies from 8 hours a week.
Yes, when the wage stays within the limits — up to CHF 22,680 a year per employee and CHF 60,480 total household payroll — with income tax discharged at a flat 5%.
Yes, once they earn more than CHF 750 a year, or at any amount if they are 25 or older. Babysitters up to the year they turn 25 earning CHF 750 a year or less are exempt from AHV unless they ask to contribute. Above that, register and settle contributions from the first franc.
Helpore registers the employment, allocates payroll, arranges insurance and produces the documents — so the compliance steps below are taken care of for you.