AHV calculator for the self-employed 2026 and 2027
Enter your net profit: the calculator shows your AHV/IV/EO contributions on the sliding scale, the administrative costs, your quarterly payment and what you keep after AHV. Free, no sign-up, in your browser.
Law as of 13 November 2026. Arts. 8, 9 and 69 AHVG, Arts. 19, 21 and 24 AHVV; 2027 amounts set by the Federal Council on 2 October 2026.
Your figures
Profit from self-employment after all business expenses, as in your tax return.
The Ausgleichskasse adds them back to the profit. If you booked none, leave 0.
At most 5 % of the contributions. Your Ausgleichskasse's rate is on your quarterly bill.
Your AHV/IV/EO
Contributions 2026 with administrative costs
CHF 5'872.23
- AHV income, rounded down to CHF 100CHF 60'000.00
- Rule that appliesSliding scale, band 17
- AHV/IV/EO rate9.321 %
- AHV/IV/EO contributionsCHF 5'592.60
- Administrative costsCHF 279.63
- Saving from the sliding scaleCHF 407.40
- Quarterly paymentCHF 1'468.06
Due 10 days after the end of each quarter: 10 April, 10 July, 10 October and 10 January.
What you keep after AHV
CHF 54'127.77
Before taxes, health insurance and pension savings.
How we calculate
1. AHV income
We take your net profit and add back any AHV contributions you booked as an expense, as the Ausgleichskasse (AHV compensation office) does. The result is rounded down to the next CHF 100 (Art. 8 para. 1 AHVG).
2. The rate
From CHF 60,500 (2027: CHF 61,500) the full rate of 10.0 % for AHV, IV and EO applies. Below that, the sliding scale has 17 bands from 5.371 % to 9.321 % (Art. 21 AHVV). The band's rate applies to the whole income.
3. The minimum contribution
Below CHF 10,100 (2027: CHF 10,300) you pay the minimum contribution of CHF 530 (2027: CHF 541). If you already paid the minimum on a salary in the same year, the lowest rate of 5.371 % applies on request (Art. 8 para. 2 AHVG).
4. Administrative costs, quarterly payments and what you keep
On top come the administrative costs of your Ausgleichskasse, at most 5 % of the contributions (Art. 69 para. 1 AHVG). The total divided by four is your quarterly payment, due 10 days after the end of each quarter (Art. 24 AHVV). AHV income minus the total is what you keep.
What the calculator assumes
- The calculator works with a full year's income from self-employment. Salary from employment does not belong in it.
- It leaves out the deduction for interest on equity invested in the business (Art. 18 para. 2 AHVV). With a lot of equity in the business, your contribution is slightly lower. The rate for 2026 is published in early 2027.
- Each Ausgleichskasse sets its own administrative costs. The legal maximum of 5 % is preset; enter the rate on your quarterly bill.
- After the reference age you pay only on income above CHF 16,800 a year (Art. 6quater AHVV). The calculator does not include this allowance.
- Owners of a GmbH or AG who draw a salary are employees for AHV: 10.6 %, half paid by you and half by the company, with no sliding scale.
- Health insurance, accident insurance, the pension fund and pillar 3a are not part of the AHV bill and are not deducted from what you keep. Neither are taxes.
Norman in Switzerland
Norman is an AI bookkeeping app for the self-employed and small companies. In Germany and Poland it captures receipts, matches bank transactions, writes invoices and prepares tax returns today; you review and approve. For Switzerland, Norman is in preparation.
Frequently asked questions about AHV for the self-employed
How much AHV do I pay as a self-employed person in 2026?
From an AHV income of CHF 60,500 it is 10.0 % for AHV, IV and EO, plus at most 5 % administrative costs on those contributions. Below that the rate falls to as low as 5.371 %; below CHF 10,100 you pay the minimum of CHF 530.
What changes for AHV in 2027?
The rates stay the same and the limits rise: the sliding scale runs from CHF 10,300 to under CHF 61,500, and the minimum contribution rises to CHF 541. The Federal Council decided this on 2 October 2026.
How much is my quarterly AHV payment?
A quarter of the annual contributions plus administrative costs. The Ausgleichskasse sets it from your expected income. It is due 10 days after the end of each quarter: 10 April, 10 July, 10 October and 10 January.
Why does the Ausgleichskasse add my AHV contributions back to my profit?
Contributions are calculated on income before your own AHV contributions. If you booked them as an expense, the Ausgleichskasse adds them back to the income from your tax assessment.
What happens if my quarterly payments were too low?
After the tax assessment, the Ausgleichskasse bills you the difference. If your payments were below 75 % of the final contributions, 5 % late-payment interest runs on the difference from 1 January after the following year (Art. 41bis AHVV).
Information, not tax or legal advice. The calculator neither stores nor sends your input.