VAT-free up to CHF 100,000²
Dowiedz się więcej
Non-binding example²: about CHF 18,000 difference DE VAT vs VAT-free under CHF 100,000 CH (assumptions in the calculator). Guide →
Twoja firma w Szwajcarii
Załóż. Oszczędzaj. Zarabiaj więcej
VAT-free up to CHF 100,000² Health insurance from CHF 220¹ No Meisterpflicht³
Najpierw sprawdź potencjał oszczędności — potem porównaj formy prawne i w razie potrzeby umów konsultację.
No obligation · under 2 minutes
Craftspeople without a master certificate? Learn more
Whether
in the trades
in the trades
or in
the service sector
the service sector
tax & business,
Earn more!
Earn more!
Twoje korzyści
Dlaczego Szwajcaria?
Cztery mocne powody — szczegóły po kliknięciu „Dowiedz się więcej“.
Niższa składka zdrowotna¹
Dowiedz się więcej
Z zamieszkaniem w Niemczech i działalnością w CH korzystasz z wyraźnie niższych składek. Guide →
Often without a German master certificate³
Dowiedz się więcej
Założenie w CH z substancją → zgłoszenie prawne → tymczasowe zlecenia w DE. Guide →
No trade tax
Dowiedz się więcej
The calculator shows your potential from VAT, health insurance and trade tax. In Switzerland, German compulsory costs such as IHK/HWK, company broadcasting fees and BG levies often fall away — Overhead comparison → · Tax →
Germany plans a pension duty⁴
Dowiedz się więcej
New self-employed in DE: planned statutory pension duty. In CH: mandatory contributions per leaflet 2.02 — ab 5,371 %, maximal 10 % from CHF 60,500 (not “pension-free”). Read the guide →
Live calculator
Twój potencjał oszczędności
Categories one after another — including DE/CH pension comparison.Adjust the sliders — a non-binding model. The “pension” block is based on a plan in Germany, not on current law.
– von 6 · Wybierz kategorię
Live calculator
Adjust savings potential
Dotknij tematu · przesuń suwaki · wynik po prawej aktualizuje się na żywo
2 Podatek od działalności (w CH nie występuje) Zysk i stawka · w CH bez podatku od działalności +0 €
Trade-tax savings
0 €
rocznie (w CH nie dotyczy)
3 Cross-border health insurance¹ Twoja składka DE vs typowa składka transgraniczna CH +0 CHF
Health insurance (cross-border)¹
0 CHF
per year
4 Składka emerytalna DE/CH⁴ DE 18.6% planned · Switzerland max. 10% —
Pension contribution DE vs Switzerland⁴
—
Difference per year
DE planned 18.6%
—
Swiss AHV 5,371–10 %
—
Savings
—
5 Swiss tax federal · canton · municipality Orientation — not a savings line —
Swiss tax burden
Federal · canton · municipality — based on the same profit as above.
—
per year · —
Direct federal tax—
Cantonal tax—
Municipal tax—
Total per year—
Effective rate—
Sole proprietorship: income tax (federal + canton + municipality) on net profit. Excluding church and wealth tax.
Double taxation DE–CH:
What is taxable in Switzerland is subject to the double-tax treaty.
Bei Wohnsitz und wirtschaftlicher Zugehörigkeit in der CH wird dieses Einkommen in der Regel dort besteuert;
eine parallele volle DE-Einkommensteuer auf denselben Gewinn ist typischerweise nicht das Zielbild.
Einzelfall (Wohnsitz, Betriebsstätte, Ausschüttungen) kann abweichen — keine Steuerberatung.
6 Trades & Meisterpflicht³ Opcjonalnie · tylko jeśli dotyczy Ciebie optional
Twoje oszczędności rocznie
0 CHF
incl. VAT, health insurance & trade tax
Simplified model calculation
VAT advantage only up to CHF 100,000 turnover (CH: VAT-exempt)².
KV-Vergleich: Cross-border health insurance¹.
DE pension = planning figure (18.6%, not yet law, up to €101,400)⁴;
CH AHV-Satz maximal 10 % aufs ganze Einkommen.
Meisterkosten & Opportunitätskosten nur bei „Yes, trades“ (25 €/h DE · 50 CHF/h CH).
Podatki CH = Näherung (Bund/Canton/Gemeinde).
Individuelle Steuer- und Versicherungssituation kann abweichen.
All notes ¹²³⁴
Your result — details
Oszczędności w skrócie
Coroczna oszczędność podatkowa
0
CHF
Łączne oszczędności w pierwszym roku minus koszty mistrzowskie i koszt alternatywny — kwota, która powtarza się co rok.
EUR ≈ CHF · non-binding model
VATEnter turnover
+ 0 CHF
Podatek od działalności
+ 0 €
Ubezpieczenie zdrowotne
+ 0 CHF
Składka emerytalna DE/CHDE 18.6% · Switzerland max. 10%
+ —
Swiss tax load (orientation, not a savings line)
Firma jednoosobowa · Schwyz
—
Federal · canton · municipality
JEDNORAZOWO (PRZY ZAŁOŻENIU)
Master training saved
0 €
Koszt alternatywny (wartość czasu)
0 €
+ 0 CHF
+ 0 CHF
Szacowane łączne oszczędności w pierwszym roku
0 CHF
Oszczędności są gotowe — omówmy liczby albo najpierw porównaj formy prawne.
Book a consultation Compare legal formsDecide well informed
In the first meeting we clarify benefits and options — and focus on Twoje oszczędności ein. Typically you start with a sole proprietorship; the GmbH follows when the next step is due.
Compare legal forms
High-speed fibre
International community
24/7 access possible
Lokalizacja Bazylea
Jakość życia, którą poczujesz.
Switzerland is among Europe’s most business-friendly and liveable regions. Short distances, excellent infrastructure, an entrepreneurial climate and a high level of safety and stability.
The big advantage: you keep your current place of residence and still benefit from Switzerland’s reputation — higher earnings, lower taxes and the other advantages of a Swiss base.
ICE from Freiburg: 45 min.
Alps in < 2 hrs.
Formy prawne i ceny
Jaka forma prawna?
Jeden wybór — pakiet po lewej, kiedy która forma ma sens po prawej. Ceny netto w euro.
1 Firma jednoosobowa 1.290 € netto
EINZELFIRMA
1.290
€ netto
jednorazowo · w tym wybrane wsparcie organizacyjne / pośrednictwo
Idealne dla solowych samozatrudnionych i rzemieślników przygotowujących wejście do Szwajcarii.
- Proste założenie – no statutory minimum capital, no notary
- Maximum simplicity – little bureaucracy, full control as a sole trader
- Osobiste wsparcie organizacyjne – from orientation to coordinating the next steps
- Tax advisors Switzerland & Germany – recommended (cost not in the package price)
Oferty partnerów
Wsparcie przy zgłoszeniach urzędowych
Uwagi o kosztach
Commercial-register filing separately: CHF 200.– bis CHF 300.– (partnership)
* Business address, bank account and health insurance: Vermittlung and organisational support in the package; contracts and ongoing costs arise with the respective partner and are not included in the package price. Overview: Ongoing costs →
Tax advice: We recommend involving a tax advisor in Switzerland and Germany (cross-border / double tax). Those costs are not in the package price included.
2 Spółka jawna 1.390 € netto
KOLLEKTIVGESELLSCHAFT
1.390
€ netto
jednorazowo · w tym wybrane wsparcie organizacyjne / pośrednictwo
For at least two partners who want to found and operate together — without a corporation.
- From two persons – joint firm without share capital
- No notary – partnership agreement and commercial-register filing, without GmbH formalities
- Osobiste wsparcie organizacyjne – from orientation to coordinating the next steps
- Joint and several liability – partners are unlimitedly liable; tax advisors CH & DE recommended (not in the package price)
Oferty partnerów
Wsparcie przy zgłoszeniach urzędowych
Uwagi o kosztach
Commercial-register filing separately: CHF 200.– bis CHF 300.– (partnership, registration mandatory)
* Business address, bank account and health insurance: Vermittlung and organisational support in the package; contracts and ongoing costs arise with the respective partner and are not included in the package price. Overview: Ongoing costs →
Tax advice: We recommend involving a tax advisor in Switzerland and Germany. Those costs are not in the package price included.
3 GmbH 1.590 € netto
BELIEBTESTE WAHL
GMBH
1.590
€ netto
jednorazowo · w tym wybrane wsparcie organizacyjne / pośrednictwo
Częsty wybór przedsiębiorców, którzy chcą ograniczyć odpowiedzialność i wyglądać profesjonalnie.
- Ograniczenie odpowiedzialności – private assets stay separate from business risk
- Wysoka wiarygodność – recognised by banks, partners and authorities
- Coordination of formation steps – organisational support e.g. notary and capital (no guaranteed outcome with authorities/notary)
- Ongoing trustee costs – statutory Swiss trustee/representation, not in the package price
- Tax advisors Switzerland & Germany – recommended (cost not in the package price)
Oferty partnerów
Wsparcie przy zgłoszeniach urzędowych
Uwagi o kosztach
Commercial-register filing separately: CHF 600.– bis CHF 900.– (corporation)
* Business address, bank account and health insurance: Vermittlung and organisational support in the package; contracts and ongoing costs arise with the respective partner and are not included in the package price.
Swiss trustee: With a GmbH there are further ongoing costs through a statutory Swiss trustee / the legally required representation in Switzerland (e.g. if resident abroad). These ongoing costs are not in the package price included.
Tax advice: We recommend involving a tax advisor in Switzerland and Germany. Those costs are not in the package price included.
4 AG 1.950 € netto
AG
Spółka akcyjna
1.950
€ netto
jednorazowo · w tym wybrane wsparcie organizacyjne / pośrednictwo
For entrepreneurs with growth plans, investors or the highest reputation needs.
- Maximum credibility – strongest reputation with investors & large clients
- Transferable shares – ideal for growth, succession & holdings
- Complete AG formation – articles, board & capital advice included
- Ongoing trustee costs – statutory Swiss trustee/representation, not in the package price
- Tax advisors Switzerland & Germany – recommended (cost not in the package price)
Oferty partnerów
Wsparcie przy zgłoszeniach urzędowych
Uwagi o kosztach
Commercial-register filing separately: CHF 600.– bis CHF 900.– (corporation)
* Business address, bank account and health insurance: Vermittlung and organisational support in the package; contracts and ongoing costs arise with the respective partner and are not included in the package price.
Swiss trustee: With an AG there are further ongoing costs through a statutory Swiss trustee / the legally required representation in Switzerland (e.g. if resident abroad). These ongoing costs are not in the package price included.
Tax advice: We recommend involving a tax advisor in Switzerland and Germany. Those costs are not in the package price included.
Note on commercial-register filing: Wird separat in Rechnung gestellt und ist not in the package price included. Personengesellschaften (Firma jednoosobowa, Spółka jawna): CHF 200.– bis CHF 300.– · Kapitalgesellschaften (GmbH, AG): CHF 600.– bis CHF 900.–
* Partner offers: Business address, bank account and health insurance: introductions and organisational support in the package; ongoing partner fees extra. Ongoing fees, contributions and external costs arise additionally with the respective partner and are not included in the package price. Details: Ongoing costs after formation →
GmbH & AG: For corporations with residence abroad there are additionally ongoing costs for Swiss representation (legally required).
All package prices are net in euro. Share capital for GmbH/AG is contributed separately. Partner and authority fees are payable there directly.
Ready for the next step?
We review your calculator figures together and recommend — you choose the legal form.
Book a consultation
A Swiss company in 5 steps
Jak to działa
Open the steps one by one — from consultation to launch.
– von 5 · Choose a step
1 First meeting
First meeting
Clarify the legal form.
2 Adres firmy i konto
Adres firmy i konto
Registered office/address in CH and support with opening an account (introductions to banks).
3 Formation
Formation
Notary, commercial register and tax number — we support organisationally (no guaranteed authority outcome). For GmbH and AG at least one authorised signatory resident in Switzerland (representation, ongoing costs extra).
4 Ubezpieczenia
Ubezpieczenia
We introduce health insurers (the contract is with the insurer).
5 Praca transgraniczna i start
Praca transgraniczna i start
Business-plan check, permit — then operations start.
Sample calculations
Typical savings potential
Fictional sample people for illustration — names are abbreviated, not real testimonials.
M. B.
Michael B.
IT consulting · Munich
VAT savings²
Bei 85.000 CHF Annual turnover in CH: in Germany about 16.150 € VAT (19%) — in Switzerland under the threshold: 0 CHF.
S. K.
Sandra K.
Freelancer, 45 · Stuttgart
Niższa składka zdrowotna¹
German health insurance often 780 €/Monat — health-insurance contribution with DE residence often from 265 CHF. Savings: about 6.200 CHF per year.
T. W.
Thomas W.
Tiler · Karlsruhe
Entry often without a German master certificate³
In Germany no legal permanent operation without a master certificate (3–5 years, 8.000–16.000 €). With a Swiss sole proprietorship and a real CH establishment, entry is often possible — temporary assignments in Germany after the required notification. Commute from Karlsruhe about 45 min. to Basel.
CH company with substance → temporary DE assignments — often without a German master certificate (mind notification/requirements)³
Trades in Germany & a Swiss companyM. H.
Markus H.
Plasterer · Freiburg
Cross-border commuter
Residence stays in Germany, company in Switzerland. Commute to the three-country corner — cross-border permit and CH business address required.
A. L.
Anna L.
Painter & design · Ulm
Maximum VAT savings
Bei 95.000 CHF Turnover (just under the threshold): savings vs Germany about 18.050 CHF — close to the maximum of CHF 19,000.
P. R.
Peter R.
Electrical planning · Nuremberg
Total potential year 1
Bei 75.000 CHF Turnover and 820 € Health insurance in DE: VAT savings 14.250 CHF + health-insurance savings 6.480 CHF = 20.730 CHF in the first year.
Frequently asked questions
Tap — then open questions one by one
Frequently asked questions
Tap a question for the answer
How long does formation really take?
A sole proprietorship is usually in the commercial register in 7–14 days. A GmbH takes 3–5 weeks including notary and registration.
Do I have to live in Switzerland?
No, you do not have to live in Switzerland yourself. Many clients commute from Germany.
Es braucht eine Swiss business address (introduction possible) and the tax filing duties — ideally with CH/DE tax advice.
Bei GmbH and AG additionally: at least one authorised signatory resident in Switzerland.
Do I need someone resident in Switzerland for a GmbH or AG?
Yes. For GmbH and AG at least one authorised signatory must reside in Switzerland haben.
Anyone living in Germany usually needs a Swiss representative (trustee) — ongoing costs extra, not in the package price.
Die Firma jednoosobowa does not have this duty in the same way, but still needs a Swiss business address.
Czy potrzebuję przedstawiciela podatkowego w Szwajcarii?
Od obrotu ok. CHF 100'000 is usually a przedstawiciel podatkowy w Szwajcarii nötig.
Zwykle zajmuje się tym Twój doradca podatkowy — uzgadniamy z nim przebieg, aby obowiązki zgłoszeniowe i reprezentacyjne były dotrzymane.
How does health insurance work?
Cross-border commuters resident in Germany use cross-border health insurance. The contribution is often between CHF 220 and 380 and may vary by canton.
What happens to my German social insurance?
You often move into the Swiss health-insurance system. Whether and how that applies is checked case by case by specialists or insurers — we support organisationally and make introductions.
Will I soon have to join German pension insurance as a self-employed person?
In DE a pension duty is planned for (especially neue) self-employed people — with
18.6% of income. Not yet a finished law.
In Switzerland the self-employed pay according to the official scale 5,371–10 % (not “pension-free”).
Guide DE vs CH
How high are ongoing costs in Switzerland?
The company address od 100 franków miesięcznie.
Bei GmbH and AG with residence abroad there are extra ongoing costs for the
Swiss representative hinzu (gesetzlich erforderlich; Höhe je nach Anbieter und Leistungsumfang).
Weitere externe Kosten — z. B. für Konto bankowe, Ubezpieczenie zdrowotne, Notar/Handelsregister sowie Handy, Telefon oder IT —
entstehen je nach Bedarf und Partner und werden dort direkt fällig.
Can I form a company in Switzerland without a German master certificate?
In many trades yes, but it depends on the craft and the rules. We clarify the requirements with you.
More info
Can I start in the trades without vocational training?
If you are skilled and deliver quality, in many cases nothing stands in the way.
More info
Can I also operate in Germany with my company?
Yes, in many cases. We explain the requirements and recommend specialists if needed — the decision sits with authorities and you.
More info
Contact · konsultacja
Your figures, our recommendation
You have seen the calculator and packages — now we clarify open questions and sketch the next organisational steps.
Send message
No-obligation enquiry — we will contact you personally.
Your estimated savings (year 1): —
Aeschengraben 29 · 4051 Basel · Our team