Skip to content
This study in the media24 heures
Study11 August 2026

School Until 3.20 pm, Work Until 6 pm

This week the school year started again, and with it the oldest design flaw in Swiss family life: depending on the city, primary school lets out between 3 pm and 4.15 pm, on lesson-free afternoons as early as 11.30 am, on Wednesdays almost everywhere. Anyone working 100 percent is not back before 6 pm. Every week, 22.5 to 27.8 hours of care are missing.

A Clino data analysis of the official timetables, Blockzeiten and care tariffs of the ten largest school cities works through the 3:30 pm problem city by city for the first time: how large the gap is for a third-grader with two full-time working parents, what closing it costs at the top tariff, and where it eats up the most pay. The range is substantial: from CHF 3,880 per year in Geneva to CHF 15,525 in Biel, and in two cities the price is not even public.

Data (CSV)
22–28 hrs
care gap per school week for a third-grader with two full-time working parents, depending on the city
51–66%
of a full-time workload is what this gap amounts to: it is an unpaid half-time job
CHF 15,525
is what bridging it at the top tariff costs in Biel/Bienne per school year, the highest of the ten cities
0
Wednesday offerings at Geneva's Parascolaire GIAP, in the only canton with a constitutional guarantee of all-day care

Summary

A full-time workload keeps parents away from Monday to Friday for around ten hours a day: 8 hours 21 minutes of contractual working time, the statutory minimum break and twice 30 minutes of average commute add up to an absence from 8 am until around 6 pm. Depending on the city, primary school covers only 22.3 to 28.5 hours per week of that. What remains is a structural care gap of 22.5 hours (Lugano) to 27.8 hours (Biel/Bienne) per school week, spread across lunch breaks without lessons, school-free afternoons, the almost universally free Wednesday afternoon, and the time between the end of school and the end of the workday.

This gap corresponds to a workload of 51 to 66 percent, which someone has to cover every week: a parent, grandparents, or the city's out-of-school care. Whoever buys it in pays, as a dual-earner couple, the top tariff almost everywhere, and that tariff varies enormously: in Geneva the annual bridge costs CHF 3,880 (which, however, does not cover Wednesdays), in St. Gallen and Basel around 5,900, in Zurich 7,600, in Bern 14,100 and in Biel/Bienne CHF 15,525. Measured against the region's median wage, the bridge eats up between 4.6 and 18.6 percent of an annual income. In Winterthur and Lugano the price cannot even be put into figures: Winterthur does not publish its module prices, Lugano does not publish its tariff table.

Access is as unequal as the price. Zurich and Winterthur guarantee every child a place, Bern runs care at all 18 school locations and counts 44.3 percent of all city children in its all-day care. Geneva covers, by its own account, 100 percent of demand, only on Wednesdays there is no offering at all, of all places in the only canton whose constitution guarantees care “on every school day”. In Vaud, parents reportedly wait 6 to 12 months for a place. And in Lugano, dual-earner couples are the last priority category for a canteen place and submit an employer's certificate with salary and working hours to get one. Only 13 percent of Swiss couples with children both work full-time, one of the lowest rates in Europe. This study shows in figures why.


The parents' window: 50 hours, of which school covers a good half

The calculation starts with federal data: a full-time job comprises 41 hours 47 minutes of contractual working time per week (FSO, labour volume statistics 2024), the Employment Act mandates a break of at least 30 minutes from 7 hours of work, and the average commute takes 30 minutes each way (FSO, commuter mobility 2023). Together that makes an absence of 9 hours 51 minutes per day: whoever drops the child off at school at 8 am is back, in the model case, shortly before 6 pm. The parents' window that needs to be covered thus spans 50 hours per week, exactly the frame daycare is built for. With the move up to primary school, it collapses.

Parents' window (Mon–Fri, 8 am–6 pm)
50 hrs
School presence Lugano
28.5 hrs
School presence Geneva
27.5 hrs
School presence Basel
26.5 hrs
School presence Zurich
25.6 hrs
School presence Biel/Bienne
22.3 hrs

School presence means: the time the child spends supervised at school according to the official Blockzeiten and timetables. Even the most generous city, Lugano with lessons until 4.15 pm, covers 57 percent of the parents' window. The tightest, Biel/Bienne with school ending at 11.45 am on Wednesdays and Fridays, covers 45 percent.


The gap, city by city

For a third-grade child, at the age when most cantons schedule 2 to 4 afternoons of lessons, the weekly gap ranges from 21.5 hours in Lugano to 27.8 hours in Biel/Bienne. Striking: schools in French-speaking Switzerland and Ticino keep the children longer, the German-speaking cities send them home earlier. Geneva and Lugano teach until 4 pm and 4.15 pm respectively; in Lucerne, St. Gallen, Winterthur and Biel school is out at 3.20 pm, in Bern sometimes as early as 3 pm.

Weekly gap between school presence and the parents’ window (8 am–6 pm), by city
#Cityhrs
1Biel/Bienne (BE)earliest school ends: Wednesday and Friday free from 11.45 am27.8
2St. Gallen (SG)Wednesday and Friday afternoons free26.7
3Lausanne (VD)school starts at 8.30 am, lunch break over 2 hrs26.7
4Bern (BE)26.2
5Lucerne (LU)26.2
6Winterthur (ZH)25.9
7Zurich (ZH)24.4
8Basel (BS)23.5
9Geneva (GE)longest school presence, yet a 22.5-hr gap remains22.5
10Lugano (TI)school until 4.15 pm, but a 2-hr lunch hole21.5

Care gap per school week for a third-grader: 50-hour parents’ window (Mon–Fri 8 am–6 pm, derived from the 41 h 47 min contractual full-time week, the legal minimum break and 2 × 30 min average commute, FSO 2023/24) minus supervised school time per official block times and 2025/26 timetables. Zurich and Bern afternoons modeled (see methodology). Sources: city/cantonal publications; own calculation.

Data (CSV)

Converted into working time, the gap corresponds to a workload of 51 percent (Lugano) to 66 percent (Biel/Bienne) of a 41-hour-47-minute week. It is half a job that the Swiss school system delegates back to families every week, and one that appears in no labour market statistic.


What the gap is made of: lunchtime, Wednesday and the time after 3.30 pm

The gap has the same four building blocks everywhere, but every city mixes them differently. In Lugano the biggest hole is lunchtime: school closes at 11.30 am and does not reopen until 1.30 pm, two hours a day, four times a week, the child eats at home, just as the system has always intended. In Lausanne the lunch break lasts over two hours, and lessons do not start until 8.30 am. In Basel the break is fixed canton-wide at 12.15 pm to 2 pm. And in St. Gallen and Biel/Bienne two whole afternoons are completely school-free, Wednesday and Friday.

What the weekly gap is made of, in hours
CityLunchFree afternoonsAfter schoolBefore schoolTotal
Biel/Bienne (BE)612.581.327.8
St. Gallen (SG)612.78026.7
Lausanne (VD)8.76.29.32.526.7
Bern (BE)6.36.2121.726.2
Lucerne (LU)86.310.71.326.2
Winterthur (ZH)5.712.370.825.9
Zurich (ZH)4.5127.9024.4
Basel (BS)5.311.56.8023.5
Geneva (GE)86.58022.5
Lugano (TI)86.57021.5

Lunch: time between morning end and afternoon start. Free afternoons: school-free afternoons (incl. Wednesday) until 6 pm. After school: school end to 6 pm on class afternoons. Before school: 8 am to school start. Rounding differences possible. Sources: official 2025/26 timetables/block times; own calculation.

Data (CSV)

The Wednesday afternoon is a national institution: in all ten cities, a third-grader has no lessons on Wednesday. Eight cities absorb it with care modules. The exception, of all places, is Geneva: the Parascolaire GIAP states in its terms and conditions: “Il n'y a pas de prise en charge le mercredi”, no care on Wednesdays, and this in the only canton whose constitution guarantees, in Art. 204, all-day care “on every school day” (“chaque jour scolaire”). The canton of Zurich, for its part, diagnoses the problem in its own monitoring report: “On Wednesdays, lunchtime and afternoon offerings are comparatively rare.”


What the bridge costs: from CHF 3,880 to CHF 15,525 per year

All ten cities have out-of-school care with income-dependent tariffs. For dual-earner couples that means, almost everywhere: top tariff. Closing the full gap with municipal modules, supervised lunch plus afternoon care until 6 pm, costs per child and school year:

Annual cost of the care bridge at the maximum tariff, by city
#CityCHF
1Biel/Bienne (BE)hourly rate 13.14 + CHF 8 per lunch15,525
2Bern (BE)hourly rate 13.14 + CHF 9 per lunch14,127
3Lucerne (LU)lunch module alone: CHF 30 per day10,754
4Lausanne (VD)10,374
5Zurich (ZH)Tagesschule lunch CHF 6, Switzerland’s cheapest7,566
6Basel (BS)5,873
7St. Gallen (SG)5,862
8Geneva (GE)only 4 days bridgeable: no GIAP service on Wednesdays3,880

Municipal care modules (lunch + afternoons until 6 pm, meals incl.), maximum tariff × school weeks, tariffs 2025/26 resp. from August 2026. Dual-earner couples pay the maximum almost everywhere. Winterthur: module prices not published (full cost CHF 105/day). Lugano: tariff table not published. Sources: official tariff sheets; own calculation.

Data (CSV)

The difference is no detail: between St. Gallen (CHF 5,862) and Biel/Bienne (CHF 15,525) lies a factor of 2.6, for comparable services. The explanation lies in the tariff model: Bern and Biel bill care by the hour, at the top rate of CHF 13.14, plus 8 to 9 francs per lunch. Cities with module prices are cheaper, and Zurich's Tagesschule lunch of CHF 6 is the cheapest school lunch in Switzerland, Lausanne's CHF 35.75 per lunch module the most expensive.

From which income the maximum tariff applies, and what a lunch costs
CityMax tariff from (relevant income)Lunch care, max tariff
Winterthur (ZH)CHF 77,575not published
St. Gallen (SG)CHF 95,000CHF 15.80
Zurich (ZH)CHF 100,000CHF 6 / 18
Lucerne (LU)CHF 130,001CHF 30
Biel/Bienne (BE)CHF 170,000CHF 13.14/hr + 8
Bern (BE)CHF 170,000CHF 13.14/hr + 9
Lausanne (VD)from CHF 14,001 monthly incomeCHF 35.75
Basel (BS)standard tariff for all, reduction on applicationCHF 14.65
Geneva (GE)same tariff for allCHF 7.50
Lugano (TI)not publishednot published

Relevant resp. taxable income per the municipal/cantonal tariff regulations 2025/26 resp. from August 2026. Lunch: module price incl. meal; Bern and Biel bill care per hour (max 13.14) plus the meal. Geneva: same tariff for all incomes (subscription, plus CHF 7.50 meal). Winterthur: above the threshold the full-cost tariff of CHF 105 per day applies. Sources: official tariff sheets.

Data (CSV)

Just as decisive is the income at which the top tariff kicks in. Winterthur draws the line at CHF 77,575 of taxable income, a single full-time median wage almost gets you there; above it, the full-cost tariff of CHF 105 per care day applies. Bern and Biel charge the top tariff only from CHF 170,000. Geneva has no upward progression at all: everyone pays the same base tariff, only downward discounts are possible.


Where the bridge eats up the most pay

Absolute prices say little as long as wages differ as much as they do in Switzerland: the median wage ranges from CHF 7,502 in the Zurich region to CHF 5,708 in Ticino (LSE 2024). Set the annual bridge against twelve regional median monthly wages and the ranking flips:

Bridge cost as a share of a regional median wage, by city
#City%
1Biel/Bienne (BE)almost a fifth of a median wage18.6
2Bern (BE)16.9
3Lucerne (LU)12.6
4Lausanne (VD)12.4
5Zurich (ZH)8.4
6St. Gallen (SG)7.4
7Basel (BS)6.8
8Geneva (GE)lowest value, but covers only 4 days4.6

Annual bridge cost (maximum tariff) divided by 12 monthly median wages of the city’s Grossregion (LSE 2024: Zurich 7,502, Northwestern Switzerland 7,156, Central Switzerland 7,092, Lake Geneva region 6,998, Espace Mittelland 6,964, Eastern Switzerland 6,623). The FSO publishes no cantonal medians. Sources: FSO LSE 2024; official tariff sheets; own calculation.

Data (CSV)

In Biel/Bienne the care bridge costs 18.6 percent of a regional median wage, almost a fifth, in Bern 16.9 percent. At the other end, a Geneva family pays 4.6 percent, for an offering without Wednesdays. And Ticino is missing from this ranking for a telling reason: Lugano does not publish its tariff table, so where Switzerland's wages are lowest, the price of the gap remains officially unquantified.


Place guarantee, demand clause or waiting list: access

A tariff is worthless without a place. Here the cities split into three worlds. Zurich (“every child is entitled to a care place”, 72 Tagesschulen from this school year, all of them by 2030) and Winterthur (“Every child … is admitted”) guarantee the place. Most German-speaking cantons have a demand clause: the municipality must run an offering if there is enough demand, in the canton of Bern from ten children, in Lucerne in theory from a single child. And in French-speaking Switzerland and Ticino, access is decided by priority rankings and waiting lists: Lausanne prioritizes working parents without guaranteeing a place, and in the canton of Vaud families report waiting 6 to 12 months. Lugano allocates canteen and doposcuola places according to a four-tier priority order in which dual-earner couples form the last category behind single parents, hardship cases and families referred by social services, and on top requires an employer's certificate with gross salary, place of work and working hours.

Access to after-school care, by city
CityEntitlementCare untilWednesday covered
Biel/Bienne (BE)demand-based18.15yes
St. Gallen (SG)demand-based18.00yes
Lausanne (VD)priority ranking/waiting list18.30yes
Bern (BE)demand-based18.00yes
Lucerne (LU)demand-based18.00yes
Winterthur (ZH)place guaranteed18.00yes
Zurich (ZH)place guaranteed18.00yes
Basel (BS)demand-based18.00yes
Geneva (GE)place guaranteed18.00no
Lugano (TI)priority ranking/waiting list19.00yes

Entitlement: “place guaranteed” = every child admitted (Zurich, Winterthur) resp. constitutional mandate with 100% demand coverage (Geneva); “demand-based” = municipal duty where demand suffices, partly with deadlines and waiting lists; “priority ranking” = limited places allocated by priority order (Lugano: dual earners last) resp. no guarantee with real waiting lists (Lausanne). Geneva: no GIAP service on Wednesdays. Sources: laws, terms and city pages 2025/26.

Data (CSV)

Even where access works, it is heavily used: in Bern, 44.3 percent of all city children attend all-day care (58.3 percent in the Breitenrain-Lorraine school district), in Winterthur it is 47 percent, in St. Gallen 43 percent, and at Geneva's GIAP around 80 percent of schoolchildren are enrolled, 30,000 children. The demand is there. The question is what it costs and who gets in.


Three ways to close the gap, and what they cost

At heart, families have three options: the municipal modules, a privately employed nanny, or one parent cuts their workload. All three have a price, and it differs by a multiple:

Three ways to close the gap: annual cost per city
CityCity modules (max tariff)Nanny (legally employed)Reduced workload (lost wage)
Biel/Bienne (BE)15,52532,39955,501
St. Gallen (SG)5,86231,30450,723
Lausanne (VD)10,37430,72953,595
Bern (BE)14,12729,65252,334
Lucerne (LU)10,75429,22853,296
Winterthur (ZH)not published29,90755,839
Zurich (ZH)7,56627,55252,607
Basel (BS)5,87327,00048,297
Geneva (GE)3,88026,36845,220
Lugano (TI)not published23,77235,245

Modules: maximum tariff × school weeks (meals incl.). Nanny: gap hours at CHF 25/h, all employer contributions included (ordinary procedure, computed with the Clino payroll calculator), × school weeks. Reduced workload: the gap as a share of the 41 h 47 min week × 12 regional median wages (LSE 2024) — forgone gross salary if a parent covers the gap in person. Sources: tariff sheets; FSO; own calculation.

Data (CSV)

Reduce workload (the Biel/Bienne example)

  • CHF 55,501 in forgone gross salary per year
  • the 66% gap covered in person, at the regional median wage
  • plus lower AHV and pension contributions all the way to retirement

Municipal modules at the top tariff

  • CHF 15,525 per child and school year
  • meals included, care until 6.15 pm
  • provided all modules are available and booked before the deadline

The modules are almost always the cheapest solution, if you get a place. A legally employed nanny costs CHF 23,800 to 32,400 per school year for the gap hours, but is the only option that also covers the Geneva Wednesday, the edge hours and sick children. The most expensive is the seemingly free model: if one parent reduces their workload by the gap, they forgo, depending on the region, CHF 35,000 to 56,000 in gross salary per year, plus lower AHV and pension fund contributions that add up all the way to retirement. Exactly this model is the Swiss norm today: in 53 percent of couple households with children, the father works full-time and the mother part-time.


Over the year: 1,300 to 1,500 hours without school and without parents

The weekly gap is only half the truth, because it applies only in school weeks, and depending on the canton there are 36.5 to 39 of them. On top come 13 to 15.5 weeks of school holidays, set against an average of 5 weeks of parental vacation (Clino has measured this holiday gap canton by canton in a separate study). Both gaps together yield the annual balance:

Uncovered care hours per year, incl. school holidays, by city
#Cityhrs
1Biel/Bienne (BE)equals about 77% of a full-time job1,507
2Lausanne (VD)1,463
3Lucerne (LU)1,444
4St. Gallen (SG)1,440
5Bern (BE)1,432
6Winterthur (ZH)1,411
7Zurich (ZH)1,352
8Basel (BS)1,343
9Lugano (TI)smallest weekly gap, but 15.5 holiday weeks1,310
10Geneva (GE)lowest value, yet no Wednesday service1,291

Weekly gap × school weeks plus holiday gap ((holiday weeks − parents’ 5 vacation weeks) × 50 hrs). School and holiday weeks per the EDK cantonal survey (BE: midpoint 38.5). Assumption: parents place their 5 vacation weeks inside school holidays. For scale: a full-time job is about 1,960 working hours per year after vacation. Sources: EDK/IDES; FSO; own calculation.

Data (CSV)

For 1,291 to 1,507 hours per year the child is covered neither by school nor by the parents' vacation. For comparison: a full-time job comprises around 1,960 working hours after deducting vacation. The structural care gap of a Swiss family with a primary school child thus corresponds to 66 to 77 percent of a full-time job, year after year, until the child is old enough to stay home alone.


Figures to quote

“In Switzerland's ten largest school cities, a third-grader with two full-time working parents is left with a care gap of 22.5 to 27.8 hours every school week: a 51 to 66 percent workload that someone has to cover unpaid.”

Sources: official timetables and Blockzeiten 2025/26; FSO AVOL 2024, commuter mobility 2023; Clino calculation

“Biel/Bienne has the largest gap of the ten cities: 27.8 hours per week, 1,507 hours over the year. Bridging it at the top tariff costs CHF 15,525 per child, almost a fifth of a regional median wage.”

Sources: City of Biel, Tagesschulen terms and conditions from August 2026; Canton of Bern education directorate (BKD); FSO LSE 2024; Clino calculation

“Geneva is the only canton whose constitution guarantees all-day care on every school day. On Wednesdays the Parascolaire nevertheless offers nothing: ‘Il n'y a pas de prise en charge le mercredi.’”

Sources: Constitution de Genève, Art. 204; GIAP, Conditions générales 2025/26

“In Lugano, dual-earner couples are the last priority category for a canteen place. Applicants submit an employer's certificate stating gross salary, place of work and working hours.”

Source: Città di Lugano, Norme transitorie mensa e doposcuola, Risoluzione Municipale of 6 February 2025, Art. 4

“Winterthur guarantees every child a care place, but charges the full-cost tariff of CHF 105 per day from CHF 77,575 of taxable income. Even so, 47 percent of all children are enrolled.”

Sources: City of Winterthur, SchuBe costs (as of 2026) and press release of 11 August 2026

“A legally employed nanny who closes the weekly gap costs CHF 23,800 to 32,400 per school year. If a parent covers the gap instead, they forgo CHF 35,000 to 56,000 in gross salary per year.”

Sources: Clino payroll calculation (CHF 25/hr, ordinary procedure); FSO LSE 2024; Clino calculation


What families can actually do

The first route goes through the city: register for modules early, the deadlines are strict (Biel: registration by 31 May, otherwise the waiting list looms until January). What the modules do not cover, the Geneva Wednesday, the edge hours after 6 pm, sick days, many families handle with a nanny or a regular caregiver. Important to know: an afternoon nanny is an employment relationship too. In a private household there is no de minimis threshold, AHV contributions are owed from the first franc, and at 22 to 28 hours per week the wage bill quickly exceeds the simplified procedure limit of CHF 22,680 per year: then ordinary settlement with the compensation office is mandatory, including accident insurance and, from around CHF 22,680 in annual salary, a pension fund.

Why a payroll platform publishes this data

Clino is the Swiss platform for legal employment in private households: written contract, AHV registration with the cantonal compensation office, accident insurance, monthly payslips and the annual salary statement, in the simplified as well as the ordinary procedure, in all 26 cantons, for CHF 19.90 per month. The afternoon nanny who solves the 3:30 pm problem is one of the most common cases in which Swiss families become employers for the first time. That is why we measure this gap and make the data public.

Employ a nanny legally · Salary calculator

School covers a good half of the parents' window. The other half is, every week anew, organization, money or workload, and in no statistic a job.


Surprising findings

The constitutional guarantee with Wednesday-free fine print

Geneva is the only canton whose constitution guarantees all-day care “on every school day”, and by its own account the only one covering 100 percent of demand. But demand is only defined on four days: on Wednesdays the GIAP simply offers nothing, for no income and at no price. The sentence has stood unchanged in the terms for years: “Il n'y a pas de prise en charge le mercredi.”

Lugano has the smallest gap and the toughest access

Nowhere does school cover the parents' window better than in Lugano: lessons until 4.15 pm, the smallest weekly gap of the ten cities. But the system behind it comes from another era: a two-hour lunch break in which the child eats at home, no care whatsoever before 8 am, and canteen access by a priority order in which the family with two jobs comes last. To this day, cantonal law leaves the school canteen for primary pupils to the discretion of the municipalities: “possono istituire”, they may.

The same top tariff starts at CHF 77,575 or at CHF 170,000

Whether a family counts as “high-earning” depends on where it lives: Winterthur charges the full-cost tariff from CHF 77,575 of taxable income, Bern and Biel only from CHF 170,000 of relevant income, and Geneva forgoes upward progression entirely. The same dual-earner family thus pays the maximum price in one city and qualifies for subsidies in the other.


Sources

  • FSO: labour volume statistics (AVOL) 2024; commuter mobility 2023; SLFS (SAKE) 2024/25 (2024/25), Contractual working time 41:47; commute 30 min; couples' employment models
  • FSO: Swiss Earnings Structure Survey (LSE) 2024, median wages by major region (2025), Published 25 November 2025; CH 7,024, regions 5,708 to 7,502
  • Blockzeiten and timetable publications of the 10 cities and their cantons (2025/26), zh.ch, stadt.winterthur.ch, bs.ch/edubs.ch, bern.ch, stadtluzern.ch, stadt.sg.ch, ge.ch, lausanne.ch/vd.ch, scuole.lugano.ch, biel-bienne.ch
  • Official care tariffs: tariff sheets, regulations and terms of the 10 cities (2025/26–2026/27), Top tariffs, meal prices, income thresholds; Bern/Biel: BKD hourly tariff from 8/2026
  • Legal bases: VSG ZH/BE, Schulgesetz BS, Cst-GE Art. 204 + LAJC, Cst-VD Art. 63a, Legge SI/SE TI (2026), Care entitlements and demand clauses, checked in the original text
  • Città di Lugano: Norme transitorie mensa e doposcuola (RM 6.2.2025); GIAP: Conditions générales 2025/26 (2025/26), Lugano priority order; “pas de prise en charge le mercredi”
  • City of Bern: childcare statistics report 2023; City of Winterthur: press release of 11 August 2026 (2023–2026), Usage rates 44.3% and 47%
  • Canton of Zurich: monitoring report on school-complementary care 2022; RTS: “Des parents vaudois dans l'impasse” (9 July 2026) (2022–2026), Wednesday finding, parents' share 64%; Vaud waiting times

Do you represent an organization supporting households or workers?

Become a partner

About Clino

Clino is a Swiss SaaS platform enabling households to legally employ domestic workers: payroll, contracts, social security, and accident insurance included. CHF 19.90/month. All 26 cantons. Founded 2026 in Zurich. clino.ch

Ready? First payslip in 5 minutes.

Start for free