--- title: "Free tools and calculators" url: https://www.ibani.com/en/tools lang: en date_modified: 2026-10-21 --- ibani tools # Free tools and calculators Nine tools, free to use and with no sign-up, for salary, health insurance, pensions, currency exchange and payroll. Each one sets out its method and assumptions: the results are estimates, to be checked against your own situation. These tools are published by ibani, a Swiss financial intermediary based in Geneva and affiliated with the self-regulatory organisation SO-FIT\*. ibani is not a bank. ## All tools Salary and tax ### [Swiss gross → net salary calculator](https://www.ibani.com/en/tools/swiss-gross-net-salary-calculator) Estimate of net pay from gross salary: OASI, DI, LEC, unemployment insurance, LPP, AANP, then 2026 withholding tax read on the official tariffs of Geneva, Vaud, Basel-Stadt and Ticino. Dedicated page · residents taxed at source and cross-border workers from France, Germany and Italy [Open the calculator →](https://www.ibani.com/en/tools/swiss-gross-net-salary-calculator) Health insurance ### [LAMal deductible calculator](https://www.ibani.com/en/tools/lamal-deductible-calculator) Based on the premiums in your offer and your estimated healthcare costs: the annual cost of each deductible, retention fee included, the cheapest deductible, the break-even point and the maximum loss. Dedicated page · for people insured and living in Switzerland [Open the calculator →](https://www.ibani.com/en/tools/lamal-deductible-calculator) Health insurance ### [LAMal or home-country health insurance calculator](https://www.ibani.com/en/guides/crossborder-worker-insurance#simulator-expert) For cross-border workers living in France, Germany or Italy: estimated annual cost of LAMal and of the health cover in the country of residence, depending on household composition and income. In the guide “Health Insurance for Cross-Border Workers: Swiss or Home Country Coverage?” [Open the calculator →](https://www.ibani.com/en/guides/crossborder-worker-insurance#simulator-expert) Health insurance ### [CSG-CRDS calculators for cross-border workers](https://www.ibani.com/en/guides/csg-crds-cross-border-worker-switzerland#contribution) Two calculations for cross-border workers: the annual health contribution for those insured in France, using the Urssaf formula, then the social levies on rental income and other investment income, depending on whether or not the conditions of box 8SH are met. In the guide “CSG-CRDS for Cross-Border Workers: Who Pays What” [Open the calculators →](https://www.ibani.com/en/guides/csg-crds-cross-border-worker-switzerland#contribution) Pensions ### [LPP capital calculator](https://www.ibani.com/en/guides/swiss-lpp-2nd-pillar-simulator-withdrawal#simulateur-lpp) Projection of 2nd pillar capital based on the monthly contribution, the interest rate and the conversion rate, with the corresponding annual pension and the estimated exchange saving against an assumed bank margin of 1.5% if the capital is converted into euros. In the guide “Swiss LPP (2nd Pillar): Simulator, Taxation & Withdrawal” [Open the calculator →](https://www.ibani.com/en/guides/swiss-lpp-2nd-pillar-simulator-withdrawal#simulateur-lpp) Currency exchange ### [Currency converter](https://www.ibani.com/en/currency-converter) Conversion between the Swiss franc, the euro, the US dollar and other currencies, based on the interbank rate, showing the amount received with the ibani margin included. Dedicated page [Open the converter →](https://www.ibani.com/en/currency-converter) Currency exchange ### [Exchange rate comparison](https://www.ibani.com/en/compare-exchange-rates#comparatif) Enter an amount in francs: the table shows, for ibani and more than twenty banks and currency exchange services, the amount received, the difference and the transfer fees. On the page “Comparison: Where to exchange your currencies?” [Open the comparison →](https://www.ibani.com/en/compare-exchange-rates#comparatif) Businesses ### [Foreign-currency payroll calculators](https://www.ibani.com/en/guides/multi-currency-payroll-international-team#minimum) Two calculations for employers: check that a salary paid in another currency reaches the cantonal minimum wage at the rate used, then measure the gap with a colleague paid in francs. In the guide “Multi-currency payroll: paying staff in their own money” [Open the calculators →](https://www.ibani.com/en/guides/multi-currency-payroll-international-team#minimum) Businesses ### [Business currency cost calculator](https://www.ibani.com/en/guides/buying-foreign-currency-companies) Order of magnitude of the annual saving on currency exchange according to your monthly volume, with a bank margin of 2% taken as an assumption and the maximum ibani margin of 0.40%. In the guide “Buying Foreign Currency for Companies” [Open the calculator →](https://www.ibani.com/en/guides/buying-foreign-currency-companies) No tool matches your search. Try another search term or category. Calculators built into a guide link to that guide, which gives the full analysis of the subject. All of them provide an estimate for information purposes and do not constitute personalised advice. To go further, see [all our guides](https://www.ibani.com/en/guides).