CHF 20'520 income tax calculator 2025 - St. Gallen - salary after tax
Salary rate
Annual
Month
Semimonthly
Weekly
Day
Hour
Withholding
Salary
CHF 20'520
Direct Federal Tax
- CHF 3.95
Cantonal tax
- CHF 94.60
Communal tax
- CHF 122
Church tax
- CHF 20.24
Contributions to OASI, DI, APG
- CHF 1'088
Unemployment insurance
- CHF 226
Non-occupational Accident Insurance
- CHF 82.08
Pension fund contributions
- CHF 18.62
Total tax
- CHF 1'654
Net pay
* CHF 18'866
Marginal tax rate
24.9%
Average tax rate
8.1%
91.9%
Net pay
8.1%
Total tax
Total tax
Net pay
The Taxberg
CHF 18'866
Net pay
CHF 3'145
Tax the employer pays
CHF 1'654
Tax you pay
Total tax paid
CHF 4'799
Did you know your employer also pays tax on your salary? It costs the employer CHF 3'145 to pay you CHF 20'520. In other words, every time you spend CHF 10 of your hard-earned money, CHF 2.34 goes to the government.
Real tax rate
20.3%
So, with you and the employer both paying tax, what used to be a 8.1% tax rate now rises to 20.3%, meaning your real tax rate is actually 12.2% higher than what it seemed at first.
Summary
If you make CHF 20'520 a year living in the region of St. Gallen, Switzerland, you will be taxed CHF 1'654. That means that your net pay will be CHF 18'866 per year, or CHF 1'572 per month. Your average tax rate is 8.1% and your marginal tax rate is 24.9%. This marginal tax rate means that your immediate additional income will be taxed at this rate. For instance, an increase of CHF 100 in your salary will be taxed CHF 24.88, hence, your net pay will only increase by CHF 75.12.
Bonus Example
A CHF 1'000 bonus will generate an extra CHF 751 of net incomes. A CHF 5'000 bonus will generate an extra CHF 3'756 of net incomes.
Tax per region
Region
Net pay
Average tax
Rank
Basel-Stadt
CHF 19'102
6.9%
1
Graubünden
CHF 19'100
6.9%
2
Vaud
CHF 19'100
6.9%
3
Zug
CHF 19'094
6.9%
4
Aargau
CHF 19'079
7.0%
5
Geneva
CHF 19'065
7.1%
6
Thurgau
CHF 19'057
7.1%
7
Ticino
CHF 19'036
7.2%
8
Obwalden
CHF 18'973
7.5%
9
Uri
CHF 18'929
7.8%
10
Lucerne
CHF 18'895
7.9%
11
Schaffhausen
CHF 18'872
8.0%
12
Glarus
CHF 18'852
8.1%
13
St. Gallen
CHF 18'866
8.1%
14
Valais
CHF 18'867
8.1%
15
Jura
CHF 18'841
8.2%
16
Nidwalden
CHF 18'833
8.2%
17
Schwyz
CHF 18'839
8.2%
18
Solothurn
CHF 18'847
8.2%
19
Fribourg
CHF 18'814
8.3%
20
Neuchâtel
CHF 18'821
8.3%
21
Basel-Landschaft
CHF 18'794
8.4%
22
App. Innerrhoden
CHF 18'709
8.8%
23
Zurich
CHF 18'721
8.8%
24
App. Ausserrhoden
CHF 18'509
9.8%
25
Bern
CHF 18'517
9.8%
26
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Europe
Country 
Net pay
Average tax
Rank
Switzerland
CHF 18'721
8.8%
1
Ireland
CHF 18'709
8.8%
2
United Kingdom
CHF 18'429
10.2%
3
Russia
CHF 17'852
13.0%
4
France
CHF 17'553
14.5%
5
Norway
CHF 17'223
16.1%
6
Luxembourg
CHF 16'912
17.6%
7
Austria
CHF 16'805
18.1%
8
Hungary
CHF 16'724
18.5%
9
Spain
CHF 16'602
19.1%
10
Ukraine
CHF 16'519
19.5%
11
Czech Republic
CHF 16'325
20.4%
12
Italy
CHF 15'259
25.6%
13
Germany
CHF 15'102
26.4%
14
Greece
CHF 14'934
27.2%
15
Sweden
CHF 14'887
27.5%
16
Poland
CHF 14'201
30.8%
17
Denmark
CHF 13'752
33.0%
18
Finland
CHF 13'657
33.5%
19
Portugal
CHF 13'428
34.6%
20
Netherlands
CHF 12'913
37.1%
21
Belgium
CHF 12'629
38.5%
22
Romania
CHF 12'004
41.5%
23
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North America
Country 
Net pay
Average tax
Rank
USA
CHF 17'256
15.9%
1
Canada
CHF 15'245
25.7%
2
Asia / Pacific
Country 
Net pay
Average tax
Rank
Hong Kong
CHF 19'395
5.5%
1
Taiwan
CHF 18'461
10.0%
2
Thailand
CHF 18'384
10.4%
3
Australia
CHF 18'208
11.3%
4
South Korea
CHF 17'332
15.5%
5
New Zealand
CHF 17'158
16.4%
6
Pakistan
CHF 16'839
17.9%
7
Indonesia
CHF 16'655
18.8%
8
Malaysia
CHF 16'462
19.8%
9
Kazakhstan
CHF 16'391
20.1%
10
Japan
CHF 16'347
20.3%
11
Singapore
CHF 16'259
20.8%
12
Philippines
CHF 15'758
23.2%
13
Vietnam
CHF 15'132
26.3%
14
China
CHF 14'444
29.6%
15
India
CHF 13'695
33.3%
16
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Latin America
Country 
Net pay
Average tax
Rank
Guatemala
CHF 18'552
9.6%
1
Costa Rica
CHF 18'311
10.8%
2
Puerto Rico
CHF 18'262
11.0%
3
Ecuador
CHF 17'787
13.3%
4
Colombia
CHF 17'317
15.6%
5
Panama
CHF 16'978
17.3%
6
Chile
CHF 16'575
19.2%
7
Mexico
CHF 16'191
21.1%
8
Peru
CHF 15'764
23.2%
9
Brazil
CHF 15'372
25.1%
10
Uruguay
CHF 14'983
27.0%
11
Argentina
CHF 13'332
35.0%
12
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Africa
Country 
Net pay
Average tax
Rank
South Africa
CHF 16'604
19.1%
1
Mozambique
CHF 15'236
25.8%
2
Angola
CHF 15'081
26.5%
3
Kenya
CHF 14'810
27.8%
4
Ivory Coast
CHF 14'460
29.5%
5
Ghana
CHF 14'452
29.6%
6
Morocco
CHF 14'425
29.7%
7
Nigeria
CHF 14'067
31.5%
8
Uganda
CHF 13'597
33.7%
9
Cameroon
CHF 13'579
33.8%
10
Senegal
CHF 13'311
35.1%
11
Zambia
CHF 12'877
37.3%
12
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Middle East
Country 
Net pay
Average tax
Rank
United Arab Emirates
CHF 19'494
5.0%
1
Qatar
CHF 19'494
5.0%
2
Bahrain
CHF 18'878
8.0%
3
Oman
CHF 18'878
8.0%
4
Saudi Arabia
CHF 18'468
10.0%
5
Kuwait
CHF 18'263
11.0%
6
Israel
CHF 17'559
14.4%
7
Egypt
CHF 15'633
23.8%
8
Lebanon
CHF 15'557
24.2%
9
Turkey
CHF 12'016
41.4%
10
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NOTE* Withholding is calculated based on the St. Gallen tables of Switzerland, income tax. For simplification purposes some variables (such as marital status and others) have been assumed. This document does not represent legal authority and shall be used for approximation purposes only.