Contract, payslips and registration. Clino prepares everything for your canton. You stay in control.
Not a paid placement, not a partnership.
Pick a canton on the map
Pick a canton on the map
Short and honest
Do I really have to register her? She only comes every two weeks.
Yes, from the first franc.
There is no minimum threshold in a private household, not even during the trial period. The only exception: at most CHF 750 in wages per year, up to and including the year your cleaner turns 25.
What does it cost me in the end, all in?
Hourly wage plus roughly a sixth on top. Plus CHF 19.90 for Clino.
That covers the 8.33 % holiday supplement and your contributions for AHV, IV, EO, ALV, occupational accident insurance and family allowances. The calculator further down shows the exact amount for your canton.
Go to the cost calculatorHow long does it take?
5 minutes, once. Then once a year.
The registration goes to the compensation office of the canton you live in, within one month of the first working day. You may pay wages before that. After that, by 30 January each year, you report the previous year's total wages. 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 of private households in the whole of Switzerland. It gets expensive even without an inspection: if your cleaner falls off a ladder, the Ersatzkasse UVG pays her benefits and bills you for up to 5 years of missed premiums. AHV also claims contributions back for 5 years, plus a fine of up to CHF 10'000.
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
Three questions that only come up later
She has health insurance. If something happens, she is covered.
Accidents at work are not her health insurer's business. They fall under accident insurance, which you as the employer have to take out: from the first hour for occupational accidents, and from 8 hours a week for her free time as well. If she is not insured, the Ersatzkasse UVG steps in for your cleaner and bills you for up to 5 years of premiums. Whether cover applies retroactively is handled differently by each insurer: register before she comes for the first time.
With ClinoIn the simplified procedure plus, accident insurance runs through your compensation office. Clino shows you where to tick the box.
She has a permit B. Taxes are her business, aren't they?
No, yours. In the simplified procedure you deduct 5 % withholding tax from the gross wage and pass it on to the compensation office with the annual wage declaration, whatever her permit, even with a permit C or a Swiss passport. As the employer, you are liable for this tax. Your cleaner receives a certificate from the office for her tax return.
With ClinoThe 5 % appear on every payslip, and the annual wage declaration is prepared for you.
She also cleans for three other families. Surely someone has registered her already.
Each household is its own employer: its own registration, its own payslip, its own accident cover. An invoice does not make anyone self-employed; the compensation office decides that, not the paperwork. Without registration, your cleaner builds up no AHV years; an estimated 73'000 women in Switzerland are in this situation.
With ClinoYou register your household, in 5 minutes. 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 · Clino studies «Wer putzt die 10-Millionen-Schweiz» and «AHV-Rentenlücke Haushaltshilfen»
«Schwarzarbeit: Haushaltshilfen fehlt oft jede Absicherung», Blick, 25.07.2026, based on Clino studies. The updated study: one inspection every 2'092 years →Slide the controls, all-in, updated live.
Your total costall-in
CHF 629/month
Estimate using a national average FAK. Your exact cantonal rate is built into Clino.
Both are legal. The difference is your time and the error rate.
On your own, this is how it works
With Clino, fixed price CHF 19.90 a month
Nothing is charged before day 30. Cancel monthly. No power of attorney and no commission: you sign and send yourself, Clino prepares.
Been at it for a while?
If you register yourself, you pay the AHV contributions for the past years, at most 5 years, plus 5 % default interest. Clino issues the contract and registration from today; the past is something you discuss with the compensation office, and we help you with the wording via WhatsApp.
Correctly registered, insured and paid. One flat price.
An estimated 73'000 women work in Swiss households without a single franc going towards their pension. Once registered, that changes.
For your cleaner
For you
If your cleaner hesitates: the obligation is yours, not hers. Show her the first payslip; that usually convinces more than any argument.
Get 30 days freeNothing is charged before day 30. Cancel monthly. You sign and send yourself, Clino prepares.
Tools, free to use
Not sure yet which wage to offer or whether you're required to register? These four tools answer the most common pre-registration questions, no sign-up needed.
AHV/IV/EO, ALV, FAK and UVG, all 2026 rates, all cantons.
Calculate →What does your cleaner actually receive? Quick preview incl. withholding tax.
Calculate →5 questions, find out if you must register.
Start check →NAV-compliant private-household contract as PDF, free.
Create contract →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.
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.
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.
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.
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).
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.
All 26 cantons, every registration route of the compensation offices, online or by post, 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
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