An estimated 250'000 households in Switzerland employ someone off the books. (Clino estimate; methodology and sources at clino.ch/quellen)
Not out of malice. Because the system makes it nearly impossible to do it right.
The Family
Both parents work. The kids are in school. Someone comes three hours a week to clean. Everyone's happy — until they realise they're supposed to register for AHV, draft an employment contract, file for accident insurance, and produce monthly payslips. For three hours. Per week. The paperwork is absurd. So most people do — nothing.
The Housekeeper
She came from abroad, has a residence permit, maybe doesn't speak perfect German yet. She cleans four households a week. In none of them is she insured. If she slips on the wet stairs and breaks her back — nobody pays. No accident insurance, no pension contributions, no safety net. Invisible work, zero protection.
Why does this happen?
The AHV system was built for companies, not for families with a cleaner.
You need a payroll account with the compensation office, register with Suva, know FAK contributions, calculate cantonal withholding tax.
For a mini-job of CHF 360 per month, you're expected to handle the same admin as a company with 20 employees.
Those who try spend hours on forms, hotlines, and PDF guides from the 90s.
The result: Almost nobody does it. Not because they don't want to — but because they can't.
Your housekeeper deserves accident insurance.
She deserves pension contributions.
A real employment contract.
Just like everyone else.
That's why we exist
That's why we built Clino.
Not another tool for HR departments. The simplest tool in Switzerland, so every family can do the right thing — no expertise needed, in 5 minutes instead of hours.
This is how simple it is
Three steps. Five minutes. Everything correct.
Enter details
Name, wage, hours, canton. That's all you need.
Clino calculates
AHV, ALV, UVG, FAK, withholding tax — all automatically calculated. Using official BSV rates.
Done
Payslip as PDF, employment contract generated, social insurance documented. Every month.
Average setup time: 4 minutes
A Switzerland where every household worker is protected
100%
Correct documents from day 1
CHF 19.90
Per month. Fixed price.
5 min
Setup. No expertise needed.
26
Cantons. All rates correct.
We believe: If it's easy enough, everyone will do it right. And when everyone does it right, every household worker is protected. That's our mission.
Who's behind this?
Salvador Jovells
Founder of Clino
“I came to Switzerland from Spain in 2017 — and saw people everywhere working without being registered. Not out of bad intent: the system is simply too complicated.”
Take the first step.
In five minutes you have a contract, payslips and a clear guide for the OASI registration. No expertise needed.
Get started — free30 days free trial · Then CHF 19.90/month · Cancel anytime
Ready? First payslip in 5 minutes.
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