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?

Enter the canton, the hours and the wage you agreed. You get the gross wage, the deductions from the Helper's pay, the contributions you owe as the employer and the net that lands in their account. It uses the same published 2026 rates as Helpore's real payrolls, so these are the figures you would be billed on.

Your monthly figures

34.6 hours a month at 4.33 weeks

Gross wage: CHF 1108.48Gross CHF 32.00 an hour
Deducted from the Helper's wage: CHF 70.95
Simplified procedure source tax: CHF 55.40
Net the Helper receives: CHF 982.13Net CHF 28.35 an hour
Your employer contributions: CHF 88.20
Your total monthly cost: CHF 1215.08That is CHF 35.08 per hour worked

With Helpore Admin Light: CHF 1230.98 a month

With Helpore Admin: CHF 1238.98 a month

Contribution	Helper pays	You pay
AHV, IV and EO	CHF 58.75	CHF 58.75
Unemployment insurance ALV	CHF 12.20	CHF 12.20
Family allowance FAK	CHF 0.00	CHF 11.35
Compensation office administration	CHF 0.00	CHF 5.90
Occupational accident insurance	CHF 0.00	CHF 4.70
Non occupational accident insurance	CHF 0.00	CHF 13.70

Estimated rate. Your compensation office or insurer may set a different one.

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.

Holidays are paid as time off inside the monthly wage, already part of the figures above.

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

What this figure does and does not include

AHV, IV and EO at the published 2026 rates, half from the Helper and half from you
ALV at the published 2026 rate, split the same way
The family allowance contribution of your canton, which only the employer pays
The administration cost the compensation office charges on top
Accident insurance: the occupational premium, and from 8 hours a week the non occupational premium, as Helpore's estimate until your insurer's conditions are in Helpore
In the simplified procedure, the flat source tax of 5%, deducted from your Helper's wage, when the yearly wage stays within that procedure's limits

Source tax outside the simplified procedure, which depends on your Helper's nationality, permit and tariff
Pension contributions, which start once the yearly wage passes the entry threshold

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.
Merkblatt, Verwaltungskostenbeiträge ab 2026
SVA Zürich, published 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 four weeks of holiday plus 1 August, the national holiday, which federal law says must be paid, spread over every hour worked. It applies when the wage you entered already includes holiday pay; otherwise holidays are paid as time off and nothing is added.
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.
Estimated accident insurance rate
Helpore, published 01.01.2026.
The occupational accident insurance premium, which you pay to the compensation office or insurer as the policy holder.
Helpore's own rule, not a government rate.
Estimated accident insurance rate
Helpore, published 01.01.2026.
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.
Helpore's own rule, not a government rate.
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.

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.