{ "title": "Helpore: household payroll and assessed income tax, Zurich 2026", "comparison": "Income tax only. Defined scenarios, not observed workers or personal tax advice.", "source": "https://swisstaxcalculator.estv.admin.ch/delegate/ost-integration/v1/lg-proxy/operation/c3b67379_ESTV/API_calculateSimpleTaxes", "retrievedAt": "2026-09-23T20:48:20.723Z", "location": { "search": "8001 Zürich", "taxLocationId": 800100000, "canton": "ZH" }, "profile": { "taxYear": 2026, "relationship": "single", "age": 45, "children": 0, "confession": "none", "wealth": 0, "otherIncome": 0, "pillar3a": 0, "nbuRate": 0.004, "bvg": 0, "livesAloneOwnHousehold": true, "fullYear": true, "travelDeduction": 0, "mealDeduction": 0, "eligiblePrivateInsurancePremiumsAfterSubsidiesAtLeast": 4350, "insuranceDeductionCanton": 4350, "insuranceDeductionFederal": 2700 }, "method": "One ordinarily assessed job plus separately final 5% simplified wages. Simplified wages do not enter ordinary income or its rate basis. Work-expense tests use 3% of ordinary net wages and CHF 2,000; these are sensitivity inputs, not a statement of individual part-time entitlement. Zero work expenses is an additional adverse stress test. Zurich personal tax is excluded consistently.", "sourceUrls": [ "https://swisstaxcalculator.estv.admin.ch/", "https://www.zh.ch/de/steuern-finanzen/steuern/treuhaender/steuerbuch/steuerbuch-definition/zstb-87-3.html", "https://www.zh.ch/content/dam/zhweb/bilder-dokumente/themen/steuern-finanzen/steuern/natuerlichepersonen/2026/est-formulare-uj/365%20Versicherung%20ZH%202026.pdf", "https://www.estv.admin.ch/dam/de/sd-web/gnde9CmEsalK/dbst-tairfe-58c-2026-dfi.pdf" ], "scenarios": [ { "totalGross": 43200, "ordinaryGross": 21600, "jobs": 2, "cases": [ { "professional": { "id": "zero", "allOrdinary": 0, "mixed": 0 }, "allOrdinaryBase": { "gross": 43200, "exactContributionCents": { "ahvIvEo": 228960, "alv": 47520, "nbu": 17280, "bvg": 0 }, "contributions": { "ahvIvEo": 2290, "alv": 475, "nbu": 173, "bvg": 0 }, "net": 40262 }, "mixedOrdinaryBase": { "gross": 21600, "exactContributionCents": { "ahvIvEo": 114480, "alv": 23760, "nbu": 8640, "bvg": 0 }, "contributions": { "ahvIvEo": 1145, "alv": 238, "nbu": 86, "bvg": 0 }, "net": 20131 }, "taxableIncome": { "allOrdinary": { "canton": 35912, "federal": 37562 }, "mixedOrdinary": { "canton": 15781, "federal": 17431 } }, "officialEstv": { "allOrdinary": { "request": { "SimKey": null, "TaxYear": 2026, "TaxLocationID": 800100000, "Relationship": 1, "Confession1": 4, "Children": [], "Confession2": 0, "TaxableIncomeCanton": 35912, "TaxableIncomeFed": 37562, "TaxableFortune": 0 }, "response": { "IncomeTaxFed": 176, "IncomeTaxCanton": 1076, "IncomeTaxCity": 1348, "IncomeTaxChurch": 0, "FortuneTaxCanton": 0, "FortuneTaxCity": 0, "FortuneTaxChurch": 0, "PersonalTax": 24, "TotalTax": 2624, "TaxCredit": 0, "TotalNetTax": 2624, "IncomeSimpleTaxFed": 176, "IncomeSimpleTaxCanton": 1133, "IncomeSimpleTaxCity": 1133, "FortuneSimpleTaxCanton": 0, "FortuneSimpleTaxCity": 0, "Location": { "TaxLocationID": 800100000, "CantonID": 26, "BfsID": 261, "BfsName": "Zürich", "ZipCode": "8001", "City": "Zürich", "Canton": "ZH" } } }, "mixedOrdinary": { "request": { "SimKey": null, "TaxYear": 2026, "TaxLocationID": 800100000, "Relationship": 1, "Confession1": 4, "Children": [], "Confession2": 0, "TaxableIncomeCanton": 15781, "TaxableIncomeFed": 17431, "TaxableFortune": 0 }, "response": { "IncomeTaxFed": 0, "IncomeTaxCanton": 200, "IncomeTaxCity": 251, "IncomeTaxChurch": 0, "FortuneTaxCanton": 0, "FortuneTaxCity": 0, "FortuneTaxChurch": 0, "PersonalTax": 24, "TotalTax": 475, "TaxCredit": 0, "TotalNetTax": 475, "IncomeSimpleTaxFed": 0, "IncomeSimpleTaxCanton": 211, "IncomeSimpleTaxCity": 211, "FortuneSimpleTaxCanton": 0, "FortuneSimpleTaxCity": 0, "Location": { "TaxLocationID": 800100000, "CantonID": 26, "BfsID": 261, "BfsName": "Zürich", "ZipCode": "8001", "City": "Zürich", "Canton": "ZH" } } } }, "finalIncomeTaxTotals": { "allOrdinary": 2600, "allSimplified": 2160, "mixed": 1531 }, "mixedComponents": { "assessedOrdinaryIncomeTax": 451, "finalSimplifiedFivePercent": 1080 }, "excludedFromComparison": { "personalHeadTax": { "allOrdinary": 24, "mixedOrdinaryAssessment": 24, "reason": "excluded from every route so the comparison is income tax only; raw ESTV totals remain in officialEstv" } } }, { "professional": { "id": "threePercentNet", "allOrdinary": 1208, "mixed": 604 }, "allOrdinaryBase": { "gross": 43200, "exactContributionCents": { "ahvIvEo": 228960, "alv": 47520, "nbu": 17280, "bvg": 0 }, "contributions": { "ahvIvEo": 2290, "alv": 475, "nbu": 173, "bvg": 0 }, "net": 40262 }, "mixedOrdinaryBase": { "gross": 21600, "exactContributionCents": { "ahvIvEo": 114480, "alv": 23760, "nbu": 8640, "bvg": 0 }, "contributions": { "ahvIvEo": 1145, "alv": 238, "nbu": 86, "bvg": 0 }, "net": 20131 }, "taxableIncome": { "allOrdinary": { "canton": 34704, "federal": 36354 }, "mixedOrdinary": { "canton": 15177, "federal": 16827 } }, "officialEstv": { "allOrdinary": { "request": { "SimKey": null, "TaxYear": 2026, "TaxLocationID": 800100000, "Relationship": 1, "Confession1": 4, "Children": [], "Confession2": 0, "TaxableIncomeCanton": 34704, "TaxableIncomeFed": 36354, "TaxableFortune": 0 }, "response": { "IncomeTaxFed": 166, "IncomeTaxCanton": 1008, "IncomeTaxCity": 1263, "IncomeTaxChurch": 0, "FortuneTaxCanton": 0, "FortuneTaxCity": 0, "FortuneTaxChurch": 0, "PersonalTax": 24, "TotalTax": 2461, "TaxCredit": 0, "TotalNetTax": 2461, "IncomeSimpleTaxFed": 166, "IncomeSimpleTaxCanton": 1061, "IncomeSimpleTaxCity": 1061, "FortuneSimpleTaxCanton": 0, "FortuneSimpleTaxCity": 0, "Location": { "TaxLocationID": 800100000, "CantonID": 26, "BfsID": 261, "BfsName": "Zürich", "ZipCode": "8001", "City": "Zürich", "Canton": "ZH" } } }, "mixedOrdinary": { "request": { "SimKey": null, "TaxYear": 2026, "TaxLocationID": 800100000, "Relationship": 1, "Confession1": 4, "Children": [], "Confession2": 0, "TaxableIncomeCanton": 15177, "TaxableIncomeFed": 16827, "TaxableFortune": 0 }, "response": { "IncomeTaxFed": 0, "IncomeTaxCanton": 183, "IncomeTaxCity": 230, "IncomeTaxChurch": 0, "FortuneTaxCanton": 0, "FortuneTaxCity": 0, "FortuneTaxChurch": 0, "PersonalTax": 24, "TotalTax": 437, "TaxCredit": 0, "TotalNetTax": 437, "IncomeSimpleTaxFed": 0, "IncomeSimpleTaxCanton": 193, "IncomeSimpleTaxCity": 193, "FortuneSimpleTaxCanton": 0, "FortuneSimpleTaxCity": 0, "Location": { "TaxLocationID": 800100000, "CantonID": 26, "BfsID": 261, "BfsName": "Zürich", "ZipCode": "8001", "City": "Zürich", "Canton": "ZH" } } } }, "finalIncomeTaxTotals": { "allOrdinary": 2437, "allSimplified": 2160, "mixed": 1493 }, "mixedComponents": { "assessedOrdinaryIncomeTax": 413, "finalSimplifiedFivePercent": 1080 }, "excludedFromComparison": { "personalHeadTax": { "allOrdinary": 24, "mixedOrdinaryAssessment": 24, "reason": "excluded from every route so the comparison is income tax only; raw ESTV totals remain in officialEstv" } } }, { "professional": { "id": "fullMinimum2000", "allOrdinary": 2000, "mixed": 2000 }, "allOrdinaryBase": { "gross": 43200, "exactContributionCents": { "ahvIvEo": 228960, "alv": 47520, "nbu": 17280, "bvg": 0 }, "contributions": { "ahvIvEo": 2290, "alv": 475, "nbu": 173, "bvg": 0 }, "net": 40262 }, "mixedOrdinaryBase": { "gross": 21600, "exactContributionCents": { "ahvIvEo": 114480, "alv": 23760, "nbu": 8640, "bvg": 0 }, "contributions": { "ahvIvEo": 1145, "alv": 238, "nbu": 86, "bvg": 0 }, "net": 20131 }, "taxableIncome": { "allOrdinary": { "canton": 33912, "federal": 35562 }, "mixedOrdinary": { "canton": 13781, "federal": 15431 } }, "officialEstv": { "allOrdinary": { "request": { "SimKey": null, "TaxYear": 2026, "TaxLocationID": 800100000, "Relationship": 1, "Confession1": 4, "Children": [], "Confession2": 0, "TaxableIncomeCanton": 33912, "TaxableIncomeFed": 35562, "TaxableFortune": 0 }, "response": { "IncomeTaxFed": 159, "IncomeTaxCanton": 968, "IncomeTaxCity": 1213, "IncomeTaxChurch": 0, "FortuneTaxCanton": 0, "FortuneTaxCity": 0, "FortuneTaxChurch": 0, "PersonalTax": 24, "TotalTax": 2364, "TaxCredit": 0, "TotalNetTax": 2364, "IncomeSimpleTaxFed": 159, "IncomeSimpleTaxCanton": 1019, "IncomeSimpleTaxCity": 1019, "FortuneSimpleTaxCanton": 0, "FortuneSimpleTaxCity": 0, "Location": { "TaxLocationID": 800100000, "CantonID": 26, "BfsID": 261, "BfsName": "Zürich", "ZipCode": "8001", "City": "Zürich", "Canton": "ZH" } } }, "mixedOrdinary": { "request": { "SimKey": null, "TaxYear": 2026, "TaxLocationID": 800100000, "Relationship": 1, "Confession1": 4, "Children": [], "Confession2": 0, "TaxableIncomeCanton": 13781, "TaxableIncomeFed": 15431, "TaxableFortune": 0 }, "response": { "IncomeTaxFed": 0, "IncomeTaxCanton": 143, "IncomeTaxCity": 180, "IncomeTaxChurch": 0, "FortuneTaxCanton": 0, "FortuneTaxCity": 0, "FortuneTaxChurch": 0, "PersonalTax": 24, "TotalTax": 347, "TaxCredit": 0, "TotalNetTax": 347, "IncomeSimpleTaxFed": 0, "IncomeSimpleTaxCanton": 151, "IncomeSimpleTaxCity": 151, "FortuneSimpleTaxCanton": 0, "FortuneSimpleTaxCity": 0, "Location": { "TaxLocationID": 800100000, "CantonID": 26, "BfsID": 261, "BfsName": "Zürich", "ZipCode": "8001", "City": "Zürich", "Canton": "ZH" } } } }, "finalIncomeTaxTotals": { "allOrdinary": 2340, "allSimplified": 2160, "mixed": 1403 }, "mixedComponents": { "assessedOrdinaryIncomeTax": 323, "finalSimplifiedFivePercent": 1080 }, "excludedFromComparison": { "personalHeadTax": { "allOrdinary": 24, "mixedOrdinaryAssessment": 24, "reason": "excluded from every route so the comparison is income tax only; raw ESTV totals remain in officialEstv" } } } ] }, { "totalGross": 54000, "ordinaryGross": 18000, "jobs": 3, "cases": [ { "professional": { "id": "zero", "allOrdinary": 0, "mixed": 0 }, "allOrdinaryBase": { "gross": 54000, "exactContributionCents": { "ahvIvEo": 286200, "alv": 59400, "nbu": 21600, "bvg": 0 }, "contributions": { "ahvIvEo": 2862, "alv": 594, "nbu": 216, "bvg": 0 }, "net": 50328 }, "mixedOrdinaryBase": { "gross": 18000, "exactContributionCents": { "ahvIvEo": 95400, "alv": 19800, "nbu": 7200, "bvg": 0 }, "contributions": { "ahvIvEo": 954, "alv": 198, "nbu": 72, "bvg": 0 }, "net": 16776 }, "taxableIncome": { "allOrdinary": { "canton": 45978, "federal": 47628 }, "mixedOrdinary": { "canton": 12426, "federal": 14076 } }, "officialEstv": { "allOrdinary": { "request": { "SimKey": null, "TaxYear": 2026, "TaxLocationID": 800100000, "Relationship": 1, "Confession1": 4, "Children": [], "Confession2": 0, "TaxableIncomeCanton": 45978, "TaxableIncomeFed": 47628, "TaxableFortune": 0 }, "response": { "IncomeTaxFed": 337, "IncomeTaxCanton": 1648, "IncomeTaxCity": 2065, "IncomeTaxChurch": 0, "FortuneTaxCanton": 0, "FortuneTaxCity": 0, "FortuneTaxChurch": 0, "PersonalTax": 24, "TotalTax": 4074, "TaxCredit": 0, "TotalNetTax": 4074, "IncomeSimpleTaxFed": 337, "IncomeSimpleTaxCanton": 1735, "IncomeSimpleTaxCity": 1735, "FortuneSimpleTaxCanton": 0, "FortuneSimpleTaxCity": 0, "Location": { "TaxLocationID": 800100000, "CantonID": 26, "BfsID": 261, "BfsName": "Zürich", "ZipCode": "8001", "City": "Zürich", "Canton": "ZH" } } }, "mixedOrdinary": { "request": { "SimKey": null, "TaxYear": 2026, "TaxLocationID": 800100000, "Relationship": 1, "Confession1": 4, "Children": [], "Confession2": 0, "TaxableIncomeCanton": 12426, "TaxableIncomeFed": 14076, "TaxableFortune": 0 }, "response": { "IncomeTaxFed": 0, "IncomeTaxCanton": 106, "IncomeTaxCity": 133, "IncomeTaxChurch": 0, "FortuneTaxCanton": 0, "FortuneTaxCity": 0, "FortuneTaxChurch": 0, "PersonalTax": 24, "TotalTax": 263, "TaxCredit": 0, "TotalNetTax": 263, "IncomeSimpleTaxFed": 0, "IncomeSimpleTaxCanton": 112, "IncomeSimpleTaxCity": 112, "FortuneSimpleTaxCanton": 0, "FortuneSimpleTaxCity": 0, "Location": { "TaxLocationID": 800100000, "CantonID": 26, "BfsID": 261, "BfsName": "Zürich", "ZipCode": "8001", "City": "Zürich", "Canton": "ZH" } } } }, "finalIncomeTaxTotals": { "allOrdinary": 4050, "allSimplified": 2700, "mixed": 2039 }, "mixedComponents": { "assessedOrdinaryIncomeTax": 239, "finalSimplifiedFivePercent": 1800 }, "excludedFromComparison": { "personalHeadTax": { "allOrdinary": 24, "mixedOrdinaryAssessment": 24, "reason": "excluded from every route so the comparison is income tax only; raw ESTV totals remain in officialEstv" } } }, { "professional": { "id": "threePercentNet", "allOrdinary": 1510, "mixed": 503 }, "allOrdinaryBase": { "gross": 54000, "exactContributionCents": { "ahvIvEo": 286200, "alv": 59400, "nbu": 21600, "bvg": 0 }, "contributions": { "ahvIvEo": 2862, "alv": 594, "nbu": 216, "bvg": 0 }, "net": 50328 }, "mixedOrdinaryBase": { "gross": 18000, "exactContributionCents": { "ahvIvEo": 95400, "alv": 19800, "nbu": 7200, "bvg": 0 }, "contributions": { "ahvIvEo": 954, "alv": 198, "nbu": 72, "bvg": 0 }, "net": 16776 }, "taxableIncome": { "allOrdinary": { "canton": 44468, "federal": 46118 }, "mixedOrdinary": { "canton": 11923, "federal": 13573 } }, "officialEstv": { "allOrdinary": { "request": { "SimKey": null, "TaxYear": 2026, "TaxLocationID": 800100000, "Relationship": 1, "Confession1": 4, "Children": [], "Confession2": 0, "TaxableIncomeCanton": 44468, "TaxableIncomeFed": 46118, "TaxableFortune": 0 }, "response": { "IncomeTaxFed": 298, "IncomeTaxCanton": 1561, "IncomeTaxCity": 1955, "IncomeTaxChurch": 0, "FortuneTaxCanton": 0, "FortuneTaxCity": 0, "FortuneTaxChurch": 0, "PersonalTax": 24, "TotalTax": 3838, "TaxCredit": 0, "TotalNetTax": 3838, "IncomeSimpleTaxFed": 298, "IncomeSimpleTaxCanton": 1643, "IncomeSimpleTaxCity": 1643, "FortuneSimpleTaxCanton": 0, "FortuneSimpleTaxCity": 0, "Location": { "TaxLocationID": 800100000, "CantonID": 26, "BfsID": 261, "BfsName": "Zürich", "ZipCode": "8001", "City": "Zürich", "Canton": "ZH" } } }, "mixedOrdinary": { "request": { "SimKey": null, "TaxYear": 2026, "TaxLocationID": 800100000, "Relationship": 1, "Confession1": 4, "Children": [], "Confession2": 0, "TaxableIncomeCanton": 11923, "TaxableIncomeFed": 13573, "TaxableFortune": 0 }, "response": { "IncomeTaxFed": 0, "IncomeTaxCanton": 93, "IncomeTaxCity": 117, "IncomeTaxChurch": 0, "FortuneTaxCanton": 0, "FortuneTaxCity": 0, "FortuneTaxChurch": 0, "PersonalTax": 24, "TotalTax": 234, "TaxCredit": 0, "TotalNetTax": 234, "IncomeSimpleTaxFed": 0, "IncomeSimpleTaxCanton": 98, "IncomeSimpleTaxCity": 98, "FortuneSimpleTaxCanton": 0, "FortuneSimpleTaxCity": 0, "Location": { "TaxLocationID": 800100000, "CantonID": 26, "BfsID": 261, "BfsName": "Zürich", "ZipCode": "8001", "City": "Zürich", "Canton": "ZH" } } } }, "finalIncomeTaxTotals": { "allOrdinary": 3814, "allSimplified": 2700, "mixed": 2010 }, "mixedComponents": { "assessedOrdinaryIncomeTax": 210, "finalSimplifiedFivePercent": 1800 }, "excludedFromComparison": { "personalHeadTax": { "allOrdinary": 24, "mixedOrdinaryAssessment": 24, "reason": "excluded from every route so the comparison is income tax only; raw ESTV totals remain in officialEstv" } } }, { "professional": { "id": "fullMinimum2000", "allOrdinary": 2000, "mixed": 2000 }, "allOrdinaryBase": { "gross": 54000, "exactContributionCents": { "ahvIvEo": 286200, "alv": 59400, "nbu": 21600, "bvg": 0 }, "contributions": { "ahvIvEo": 2862, "alv": 594, "nbu": 216, "bvg": 0 }, "net": 50328 }, "mixedOrdinaryBase": { "gross": 18000, "exactContributionCents": { "ahvIvEo": 95400, "alv": 19800, "nbu": 7200, "bvg": 0 }, "contributions": { "ahvIvEo": 954, "alv": 198, "nbu": 72, "bvg": 0 }, "net": 16776 }, "taxableIncome": { "allOrdinary": { "canton": 43978, "federal": 45628 }, "mixedOrdinary": { "canton": 10426, "federal": 12076 } }, "officialEstv": { "allOrdinary": { "request": { "SimKey": null, "TaxYear": 2026, "TaxLocationID": 800100000, "Relationship": 1, "Confession1": 4, "Children": [], "Confession2": 0, "TaxableIncomeCanton": 43978, "TaxableIncomeFed": 45628, "TaxableFortune": 0 }, "response": { "IncomeTaxFed": 285, "IncomeTaxCanton": 1532, "IncomeTaxCity": 1919, "IncomeTaxChurch": 0, "FortuneTaxCanton": 0, "FortuneTaxCity": 0, "FortuneTaxChurch": 0, "PersonalTax": 24, "TotalTax": 3760, "TaxCredit": 0, "TotalNetTax": 3760, "IncomeSimpleTaxFed": 285, "IncomeSimpleTaxCanton": 1613, "IncomeSimpleTaxCity": 1613, "FortuneSimpleTaxCanton": 0, "FortuneSimpleTaxCity": 0, "Location": { "TaxLocationID": 800100000, "CantonID": 26, "BfsID": 261, "BfsName": "Zürich", "ZipCode": "8001", "City": "Zürich", "Canton": "ZH" } } }, "mixedOrdinary": { "request": { "SimKey": null, "TaxYear": 2026, "TaxLocationID": 800100000, "Relationship": 1, "Confession1": 4, "Children": [], "Confession2": 0, "TaxableIncomeCanton": 10426, "TaxableIncomeFed": 12076, "TaxableFortune": 0 }, "response": { "IncomeTaxFed": 0, "IncomeTaxCanton": 65, "IncomeTaxCity": 81, "IncomeTaxChurch": 0, "FortuneTaxCanton": 0, "FortuneTaxCity": 0, "FortuneTaxChurch": 0, "PersonalTax": 24, "TotalTax": 170, "TaxCredit": 0, "TotalNetTax": 170, "IncomeSimpleTaxFed": 0, "IncomeSimpleTaxCanton": 68, "IncomeSimpleTaxCity": 68, "FortuneSimpleTaxCanton": 0, "FortuneSimpleTaxCity": 0, "Location": { "TaxLocationID": 800100000, "CantonID": 26, "BfsID": 261, "BfsName": "Zürich", "ZipCode": "8001", "City": "Zürich", "Canton": "ZH" } } } }, "finalIncomeTaxTotals": { "allOrdinary": 3736, "allSimplified": 2700, "mixed": 1946 }, "mixedComponents": { "assessedOrdinaryIncomeTax": 146, "finalSimplifiedFivePercent": 1800 }, "excludedFromComparison": { "personalHeadTax": { "allOrdinary": 24, "mixedOrdinaryAssessment": 24, "reason": "excluded from every route so the comparison is income tax only; raw ESTV totals remain in officialEstv" } } } ] } ] }