Do I really have to register her? She only comes every two weeks.
Yes, from the first franc.
The only exception: at most CHF 750 in wages per year, up to and including the year your cleaner turns 25.
Properly employed · all 26 cantons
Registering a cleaner is complicated. With Clino it isn't.
Contract, payslips and AHV registration: Clino prepares everything for your canton. You sign and send it yourself.
Start 30 days free
The registration is long done within those 30 days. Then CHF 19.90/mo., cancel anytime.
Swiss newsrooms cite our studies
Not a paid placement, not a partnership.
Clino is simple
All of this is included. For CHF 19.90 a month.
What Clino does, for CHF 19.90
- Employment contract ready to sign
- Wage & social contributions calculated
- Registration & forms pre-filled
- Reminds you of every deadline, how, when, where
- Personal support on WhatsApp
- All 26 cantons, every compensation-office route
What stays with you
- Confirm with one click
- Pay the wage directly
No power of attorney, full control
The registration is done well within the 30 free days. Cancel anytime, you lose nothing.
Register your cleaner in your canton
Tap the map: compensation office, FAK rate and registration route for your canton.
Your postcode carries over, the office is already detected
Pick a canton on the map
UNDECLAREDThe dark reality.
- ✕No contract: in a dispute, only what you both remember counts
- ✕Accident: the substitute fund pays, you owe 5 years of premiums
- ✕AHV: 5 years of back contributions, fine up to CHF 10'000
REGISTEREDThe bright reality.
- ✓NAV contract: holidays, notice and sick pay settled
- ✓Accident cover from the very first hour
- ✓AHV years for her, payslips for you
⇄
DRAG THE LINE: WHERE DOES YOUR HOUSEHOLD STAND?
«Schwarzarbeit: Haushaltshilfen fehlt oft jede Absicherung», Blick, 25.07.2026, based on Clino studies. The updated study: one inspection every 2'092 years →Cost calculator
What does your cleaner actually cost?
Slide the controls, all-in, updated live.
4h
CHF 30
Your total costall-in
CHF 629/month
- Gross wage (incl. holiday)CHF 563
- Social contributions (AHV, ALV, UVG, FAK)CHF 46
- Clino, paperwork handledCHF 20
Register with these numbers
Estimate using a national average FAK. Your exact cantonal rate is built into Clino.
Free tools, no sign-up
Still doing the maths? These four help.
AHV calculator
AHV/IV/EO, ALV, FAK and UVG, all 2026 rates, all cantons.
Calculate →Gross / net
What does your cleaner actually receive? Quick preview incl. withholding tax.
Calculate →Registration check
5 questions, find out if you must register.
Start check →Contract template
NAV-compliant private-household contract as PDF, free.
Create contract →
Paperwork is as much a part of a Swiss flat as the parquet.
The only question is who does it.
Do it yourself or with Clino?
Both are legal. The difference is your time and the error rate.
On your ownWith Clino, CHF 19.90/mo.
Compensation office & registration
On your own
Find the office in charge (your place of residence counts), get the form, actively tick the simplified procedure plus, submit.
With Clino, CHF 19.90/mo.
Detected from your postcode, registration filled in, VAVplus box marked. You sign and send it yourself.
Employment contract
On your own
Find a template and adapt it to the NAV rules: holidays, sickness, notice.
With Clino, CHF 19.90/mo.
NAV-compliant contract, ready to sign.
Every month: the payslip
On your own
Calculate it yourself: 8.33 % holiday supplement, AHV and ALV shares, occupational accident, your canton's FAK rate, 5 % tax at source.
With Clino, CHF 19.90/mo.
PDF with your canton's 2026 rates, tax at source included.
Once a year: the annual report
On your own
Report the wage total by 30 January and pay the office's invoice within 30 days.
With Clino, CHF 19.90/mo.
Prepared, with a reminder before the deadline and for the office's annual invoice.
Nothing is charged before day 30. Cancel monthly. No power of attorney and no commission: you sign and send yourself, Clino prepares.
We hear this every week
Three sentences, three honest answers
«She has health insurance. If something happens, she's covered.»
For accidents at work it's not her health insurer that pays, but your accident insurance as the employer. If it's missing, the Ersatzkasse UVG steps in and bills you the premiums for up to 5 years back.
With ClinoIn the simplified procedure plus, accident insurance runs through your compensation office. Clino shows you where to tick the box.
«She has a B permit. Taxes are her business, right?»
No, yours: in the simplified procedure you withhold 5 % tax at source from the gross wage, whatever the permit. As the employer, you are liable for that tax.
With ClinoThe 5 % appears on every payslip, and the annual report is prepared.
«She also cleans for three other families. Surely someone has registered her already.»
Every household is its own employer: its own registration, its own accident cover. Without your registration, your cleaner builds up no AHV years.
With ClinoYou only register your own household. What the other families do remains their duty.
Sources: UVV Art. 13 · Art. 95 UVG, Ersatzkasse UVG (written reply, August 2026) · AHV info sheet 2.07 · AHVG Art. 12
Short and honest
Four questions, four clear answers
What does it cost me in the end, all in?
Hourly wage plus roughly a sixth on top. Plus CHF 19.90 for Clino.
Including the 8.33 % holiday supplement and every contribution from AHV to family allowances; the calculator above shows the exact amount.
Go to the cost calculatorHow long does it take?
Set up once. Then once a year.
Register within one month of the first working day, report the year's wages by 30 January. Clino pre-fills, you sign and send.
And what if I just leave it?
Inspections are rare. You pay anyway.
In 2025 there were 239 inspections across Switzerland. It gets expensive anyway: the Ersatzkasse UVG and the AHV claim up to 5 years back, plus a fine of up to CHF 10'000 (AHVG Art. 88).
Sources: AHV info sheets 2.06 and 2.07, SECO report on the Federal Act against Undeclared Work 2025, Ersatzkasse UVG (written reply, August 2026). 2026 contribution rates last checked on . Sources and methodology
If something happens to her, it's your problem.
Registered, it isn't one.
Been at it for a while?
Your cleaner has been coming for months or years already? Then now is the cheapest moment.
If you register yourself, you pay at most 5 years of AHV contributions back, plus 5 % default interest. Clino issues the contract and registration from today; for the past, we help via WhatsApp.
«Schwarzarbeit: Haushaltshilfen fehlt oft jede Absicherung» Blick, 25.07.2026, on our research. Not a paid placement. Read the article →
«On WhatsApp, I answer personally. No queue, no ticket system.»
I built Clino so a household can employ its cleaner properly: no fiduciary, no bureaucratic German.
Salvador Jovells · Founder of Clino, Zurich
Fair for both sides
You get peace of mind. Your cleaner gets a pension.
An estimated 73'000 women work in Swiss households without a single franc going towards their pension. Once registered, that changes.
For your cleaner
- AHV years that count later on
- Accident cover from the first hour
- A payslip every month; the tax certificate comes from the office
- A contract she can show to her health insurer, her landlord or the authorities
For you
- No back-payments over 5 years, no fine
- Clear rules for holidays, sickness and notice, before there is any dispute
- Everything prepared, you sign and send yourself
If your cleaner hesitates: the obligation is yours, not hers. The first payslip usually convinces.
Start 30 days freeNothing is charged before day 30. Cancel monthly. You sign and send yourself, Clino prepares.
All 26 cantons
Greater Zurich
Zurich
Lucerne
Nidwalden
Obwalden
Schwyz
Uri
Zug
Aargau
Bern
SolothurnNorthwestern Switzerland
Basel-Landschaft
Basel-Stadt
Appenzell Ausserrhoden
Appenzell Innerrhoden
Glarus
Schaffhausen
St. Gallen
ThurgauSoutheastern Switzerland
Graubünden
Fribourg
Geneva
Jura
Neuchâtel
Vaud
ValaisSouthern Switzerland
TicinoOther household roles too
Register other household help
Same procedure, same price. Whoever works in your home.
Tomorrow she comes again.
From now on, everything is in order.
Frequently asked questions: across Switzerland
Do I really have to register my cleaner if she only comes 4 hours a week?
Yes, in a private household the AHV registration obligation applies from the first franc. At 4 hours a week at CHF 30 over 50 weeks, that is CHF 6'000 a year, so you clearly have to register. The only exception: at most CHF 750 in wages per year, up to and including the year your cleaner turns 25, and only if she waives it.
What is the simplified procedure, and where is the limit?
The flat-rate solution for private households: AHV, IV, EO, ALV, 5 % withholding tax and, in the «plus» version, accident insurance too are all settled with a single annual statement at your compensation office. All 26 cantons offer the plus, but you have to actively request it. The limit: CHF 22'680 in wages per person and year, CHF 60'480 for the whole household. Anyone who exceeds it during the year is settled under the ordinary procedure for the entire year (reply from SVA Graubünden, August 2026). With a cleaner working 4 hours a week, you are a long way from that.
What if she falls ill or is pregnant?
You continue to pay her wages for a limited time, even on an hourly wage: three weeks in the first year of service, then according to the scale customary in your canton (Bern, Basel or Zurich scale). During illness and pregnancy, once the trial period is over, she is protected against dismissal for a limited time. The Clino contract sets out both, so there is no dispute when it matters.
Which compensation office is responsible?
The compensation office of the canton you live in, not the one where she works. In the canton of Zurich that is SVA Zürich, in the canton of Bern the Ausgleichskasse des Kantons Bern, in Geneva the OCAS. Clino identifies it automatically from your postcode.
Do I have to insure her against accidents?
Yes. Occupational accident cover is mandatory from the first hour of work; from 8 hours a week non-occupational cover is added, which the employee pays through a wage deduction. If your compensation office offers the simplified procedure plus, you tick the accident insurance there; otherwise you take out a policy of your own. Clino prepares the details and shows you the way.
What happens if I want to register retroactively?
Possible, and usually the cheaper route. The compensation office claims contributions back for up to 5 years, with default interest. If your cleaner was not insured against accidents, the Ersatzkasse UVG bills the missing premiums for at most 5 years (Art. 95 UVG).
What does Clino cost?
CHF 19.90 a month: fixed price, no matter how many payslips or employees. Nothing is charged before day 30. Cancel monthly, no hidden fees.
Made in Switzerland
Registering costs you nothing: the first 30 days are free
All 26 cantons, every registration route, all 2026 contribution rates. Fixed price CHF 19.90 a month.
Start 30-day free trialNothing is charged before day 30. Cancel monthly. You sign and send yourself, Clino prepares.
Checked, not claimed: 2026 contribution rates for all 26 cantons verified against the official sources (BSV table and compensation office info sheets), as of . Written replies from cantonal compensation offices and the Ersatzkasse UVG from August 2026 are on file. Sources and methodology
Ready? First payslip in 5 minutes.
Start for free