Swiss ALV Unemployment Benefit Calculator
Accurately estimate your daily compensation rate (Taggeld), total benefit duration, and net monthly compensation from the Swiss Unemployment Fund (Arbeitslosenkasse).
Earnings & Personal Profile
Average of last 6 or 12 months. Statutory max insured salary is CHF 12,350/mo (CHF 148,200/yr).
Cantonal statutory allowance is paid in full on top of daily Taggeld (typically CHF 200 - CHF 350/mo).
Estimated Net Monthly Taggeld
Gross Daily Allowance: CHF 0.00 / day (400 Taggelder benefit limit)
You must register with the Regional Employment Center (RAV / ORP) no later than the first day of unemployment and prove job applications made during your notice period.
Swiss AVIG Taggeld Quotas
- 80% Rate: If you have dependent children, your insured salary is < CHF 3,797/mo, or you receive an IV pension.
- 70% Rate: All standard claimants without support obligations.
- Max Statutory Cap: Insured earnings capped at CHF 148,200/yr. Maximum daily allowance is CHF 456.00 (at 80%) or CHF 399.00 (at 70%).
- Age 55+ Extension: If aged 55+ with 22 months contributions, entitlement expands to 520 days (~24 months).
How Swiss Unemployment Insurance (ALV / AVIG) Operates
Swiss unemployment insurance is a compulsory federal scheme designed to provide adequate replacement income during temporary job loss while fostering rapid reintegration into the labor market through the RAV (Regionales Arbeitsvermittlungszentrum).
Contribution Rule
To qualify, you must have been employed and contributed to ALV for at least 12 full months within the 2-year framework period (Rahmenfrist) preceding your unemployment claim.
260 Working Days Basis
Unemployment benefits are calculated per official working day (Monday through Friday, excluding public holidays), yielding an average of 21.7 paid daily allowances (Taggelder) per month.
Waiting Days (Wartelage)
Before payouts commence, claimants undergo statutory waiting days (typically 5 days for incomes above CHF 60k, or up to 20 days for incomes above CHF 125k). Self-terminations may incur penalty suspension days (Einstelltage).
Frequently Asked Questions (FAQ)
What happens if I resign voluntarily (Selbstkundigung)?
If you leave your job voluntarily without an immediate new position or compelling health/personal grounds, the unemployment office imposes a penalty suspension (Einstelltage) between 1 to 60 unpaid days (typically 30 to 45 days for medium fault).
Do I have to pay taxes and social security on ALV benefits?
Yes. Taggelder are considered ordinary taxable income. The unemployment fund automatically withholds AHV/IV/EO (5.3%), non-occupational accident insurance (NBU ~1.3%), and BVG risk premium directly before paying out the net amount.
📊 Swiss Statutory Comparative Matrix (ESTV, BSV & Cantonal Breakdown)
| Gesetzliche Position / Statutory Obligation | Berechneter Betrag (CHF) |
|---|---|
| Hauptergebnis / Primary Settlement | CHF 0.00 |
Engr. Muhammad Shahzad
Principal Financial Systems Architect & Swiss Federal Statutory Specialist
Lead software and systems architect specializing in high-performance browser computing, algorithmic validation, financial models, and zero-telemetry client-side privacy architecture.