Do I really have to pay AHV for a cleaner?

Yes. Anyone who works in your home for wages is your employee under Swiss law, from the first franc. The compensation office expects the contributions and audits households. For small wage bills you may use the simplified settlement procedure, up to CHF 22’680.00 a year per person, and the wage still has to be declared.

AHV, IV, EO and ALV are split evenly between you and your Helper: their half is deducted from the wage, your half comes on top. The family allowance contribution and the compensation office administration cost are yours alone.

How is accident insurance counted?

The total includes the occupational accident premium, and from 8 hours a week the non occupational premium as well. As the policy holder, you pay both premiums. Until your insurer's conditions are in Helpore, both are Helpore's estimate, and your policy may set a different amount.

Is this calculator exact?

The social contributions run through the same payroll engine as Helpore's real monthly payrolls, at the published 2026 rates and your canton's own family allowance rate. The accident premiums are Helpore's estimate until your insurer's conditions are in Helpore. When the yearly wage stays within the simplified procedure's limits, the flat source tax of 5% is deducted from your Helper's wage; ordinary source tax is left out, because it depends on details this tool does not ask for.

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What does your Helper really cost?

Every franc of your Helper's month, holiday pay included, on the same rates as Helpore's own payrolls.

What does a cleaner for 8 hours a week in Zurich really cost?

At CHF 30.00 an hour for 8 hours a week in the canton of Zurich, your household pays CHF 1’225.47 a month: CHF 1’129.82 gross wage with holiday pay of 8.33 % (CHF 86.57) and public holidays of 0.39 % (CHF 4.05), CHF 89.95 employer contributions and CHF 5.70 for accident insurance, at the rate your canton's compensation office publishes for household staff this year. Your Helper receives CHF 984.77. With Admin Light the month comes to CHF 1’241.37, with Admin CHF 1’249.37. Rates as at 01.01.2026. Change the canton, the hours and the wage below for your own case.

Your month

Zurich · 8 h a week · CHF 30.00

You payCHF 1’225.47a month

CHF 35.38 per hour worked

Wage1’039.2034.64 h × CHF 30.00
Public holidays0.39 %4.05
Holiday pay8.33 %86.57
Gross wage1’129.82
Employer contributions89.95AHV 5.3 % · ALV 1.1 % · FAK 1.025 % · office 5 %
Accident insurance0.505 %5.70
You pay a monthCHF 1’225.47

Your Helper receivesCHF 984.77

Every line, yours and your Helper's

Wage, 34.64 hours at CHF 30.00: CHF 1039.20
Public holidays 0.39 %: CHF 4.05
Holiday pay 8.33 %: CHF 86.57

Gross wage: CHF 1129.82
Deducted from the Helper's wage: CHF 88.55
Simplified procedure source tax: CHF 56.50
Net the Helper receives: CHF 984.77
Your employer contributions: CHF 89.95
Your total monthly cost: CHF 1225.47

Contribution	Helper pays	You pay
AHV, IV and EO	CHF 59.90	CHF 59.90
Unemployment insurance ALV	CHF 12.45	CHF 12.45
Family allowance FAK	CHF 0.00	CHF 11.60
Compensation office administration	CHF 0.00	CHF 6.00
Occupational accident insurance	CHF 0.00	CHF 5.70
Non occupational accident insurance	CHF 16.20	CHF 0.00

The federal minimum for household work is CHF 20.35 an hour in Zurich. Helpers booked through Helpore set their own rate, never below CHF 24.55 an hour.

At 8 hours a week, non occupational accident cover is mandatory for this Helper.

Your compensation office

As the employer, you register with SVA Zürich, the compensation office for Zurich.

Office from the directory Informationsstelle AHV/IV, Kantonale Ausgleichskassen, read on 02.09.2026.

Add Helpore

Helpore Admin LightHelpore Admin

Registration, monthly payroll, insurance administration and the year end statement, under your authorization.

With Helpore AdminCHF 1’249.37+ CHF 23.90 plan fee

Set up Helpore Admin

Your household is the employer. Helpore Admin is optional.

Rates as published for 2026, as at 01.01.2026.

Sources

Merkblatt 2.01, Lohnbeiträge an die AHV, die IV und die EO
Informationsstelle AHV/IV, published 01.01.2026.
Old age, disability and income loss insurance: 10.6% of the gross wage, half taken from the Helper's pay and half paid by you.
Merkblatt 2.08, Beiträge an die Arbeitslosenversicherung
Informationsstelle AHV/IV, published 01.01.2025.
Unemployment insurance: 2.2% of the gross wage up to CHF 148’200.00 a year, split half and half.
Arten und Ansätze der Familienzulagen nach dem FamZG, dem FLG und den kantonalen Gesetzen 2026
Bundesamt für Sozialversicherungen (BSV), published 12.12.2025.
The contribution to your canton's family allowance fund. In most cantons only you pay it; in Valais the Helper also pays a small share.
Verwaltungskostenbeiträge
SVA Zürich, in force since 01.01.2026.
The fee your compensation office charges for running your account, a percentage of the AHV, IV and EO contributions. This figure uses the Zurich office's published scale; your own office's rate may differ.
Informationen zum NAV Hauswirtschaft
SECO, published 01.01.2026.
The lowest federal minimum wage for household work, for a Helper without training or four years of experience. Higher rates apply with training, and this floor does not bind in Geneva.
Household employment pricing policy
Helpore, published 05.09.2026.
Helpore's own minimum for a Helper booked through it, set at the highest federal category.
Helpore's own rule, not a government rate.
Informationen zum NAV Hauswirtschaft
SECO, published 01.01.2026.
Pay for the holiday weeks owed plus 1 August, the national holiday, which federal law says must be paid, on every hour worked.
Merkblatt 2.06, Hausdienst, Ziff. 9
Informationsstelle AHV/IV, published 01.01.2026.
From 8 hours a week with you, the Helper must also be insured against accidents outside work.
Published accident insurance premium rate
Cantonal compensation office, published 29.09.2026.
The occupational accident insurance premium, which you pay to the compensation office or insurer as the policy holder.
Published accident insurance premium rate
Cantonal compensation office, published 29.09.2026.
The non occupational accident insurance premium, mandatory from 8 hours a week, which you pay to the compensation office or insurer as the policy holder.
Merkblatt 2.07, Vereinfachtes Abrechnungsverfahren für Arbeitgebende
Informationsstelle AHV/IV, published 01.01.2026.
The flat 5% source tax of the simplified settlement procedure, withheld from your Helper's wage when the yearly wage stays within that procedure's limits.
Helpore Admin Light pricing
Helpore, published 01.09.2026.
Helpore Admin Light's own monthly fee, added to the household's total when chosen.
Helpore's own rule, not a government rate.
Helpore Admin pricing
Helpore, published 01.09.2026.
Helpore Admin's own monthly fee, added to the household's total when chosen.
Helpore's own rule, not a government rate.

Who prepares, checks, submits and pays
Question	Doing it yourself	Admin Light	Admin
Who is the employer	Doing it yourselfYour household	Admin LightYour household	AdminYour household
Who prepares the contract, the registration and the monthly figures	Doing it yourselfYou write the contract, fill in the registration and work out the wage and contributions every month	Admin LightHelpore records the terms you agreed and prepares the registration pack, the monthly wage and contribution figures, the payslips and the annual documents. No employment contract	AdminHelpore prepares the employment contract, the registration, the monthly payroll, the payslips and the annual documents
Who checks the figures before anything is filed or paid	Doing it yourselfYou	Admin LightYou check what Helpore prepared before you submit or pay	AdminYou check the month's payroll invoice, line by line, before you pay it
Who submits to the compensation office and the insurer	Doing it yourselfYou	Admin LightYou, with the prefilled pack and the portal links	AdminHelpore, in your household's name, under your signed authorization
Who pays the wage, the contributions and the premiums	Doing it yourselfYou pay each one	Admin LightYou pay each one from your own account. No money runs through Helpore	AdminYou pay one QR invoice a month. In your name, Helpore sends the Helper the net wage and pays the rest to the offices and the insurer, keeping nothing
What it costs you besides the employment costs	Doing it yourselfNothing but your time	Admin LightCHF 15.90 a month or CHF 154.80 a year	AdminCHF 23.90 a month or CHF 238.80 a year

Tired of doing this yourself?

Helpore Admin Light prepares your month from the terms you agreed: the registration pack, the monthly calculation and the payslip, for a flat monthly fee. You register, file and pay yourself. Helpore Admin adds the payments and the authority correspondence.

See the plans Start with Helpore Admin Light

Common questions

Do I really have to pay AHV for a cleaner?: Yes. Anyone who works in your home for wages is your employee under Swiss law, from the first franc. The compensation office expects the contributions and audits households. For small wage bills you may use the simplified settlement procedure, up to CHF 22’680.00 a year per person, and the wage still has to be declared.
Who pays which half?: AHV, IV, EO and ALV are split evenly between you and your Helper: their half is deducted from the wage, your half comes on top. The family allowance contribution and the compensation office administration cost are yours alone.
How is accident insurance counted?: The total includes the occupational accident premium, and from 8 hours a week the non occupational premium as well. As the policy holder, you pay both premiums. Until your insurer's conditions are in Helpore, both are Helpore's estimate, and your policy may set a different amount.
Is this calculator exact?: The social contributions run through the same payroll engine as Helpore's real monthly payrolls, at the published 2026 rates and your canton's own family allowance rate. The accident premiums are Helpore's estimate until your insurer's conditions are in Helpore. When the yearly wage stays within the simplified procedure's limits, the flat source tax of 5% is deducted from your Helper's wage; ordinary source tax is left out, because it depends on details this tool does not ask for.