Cross-border worker in Luvinate
If you live in Luvinate, in the province of Varese, and work as an employee in Ticino, Graubunden or Valais, this page sets out the rules that apply to you and works an example with your municipality's real figures.
How Luvinate is taxed
| Province | Varese (VA) |
|---|---|
| Region | Lombardia |
| 20 km band | Yes, the municipality is on the agreement's list |
| Omnibus decree | Not in the annexes, so the 25% option is not available |
| Municipal surtax | 0.8% |
| Municipal surtax exemption | No exemption threshold |
Example: 6,000 CHF a month, 13 payments
A new cross-border worker, single without children, aged 40, working in Ticino and staying in the Italian health service. The figures use the 2025 parameters and the municipal surtax of Luvinate.
| Annual gross | 78,000 CHF |
|---|---|
| Swiss contributions | -8,349 CHF |
| Withholding tax | -6,786 CHF |
| Swiss net | 62,865 CHF |
| Italian tax | -15,567 EUR |
| of which municipal surtax | 515 EUR |
| Final net | 51,525 EUR |
| Total take | 38.1% |
How much the municipality matters, in the province of Varese
On the same salary the only thing that differs between municipalities of one province is the municipal surtax. Of the 116 municipalities in the province of Varese that fall inside the 20 km band, Luvinate ranks 108 for net pay.
- Highest net: Cremenaga, 52,040 EUR
- Lowest net: Vergiate, 51,525 EUR
Between first and last there is 515 EUR a year.
Work out your own net
This page uses a standard example. Enter your own salary, family situation and canton for the full calculation, with every line explained and the figures to carry into the tax return.
Municipalities near Luvinate
For the same example, how the yearly net would change if you lived in one of the 10 municipalities of the 20 km band closest to Luvinate. Distances are straight-line, between town centres.
| Municipality | Distance | Net compared with Luvinate |
|---|---|---|
| Casciago (VA) | 1 km | same |
| Barasso (VA) | 1 km | +129 EUR |
| Comerio (VA) | 2 km | +128 EUR |
| Gavirate (VA) | 4 km | same |
| Biandronno (VA) | 4 km | same |
| Cazzago Brabbia (VA) | 5 km | same |
| Bardello con Malgesso e Bregano (VA) | 5 km | +78 EUR |
| Induno Olona (VA) | 5 km | +32 EUR |
| Varese (VA) | 5 km | same |
| Galliate Lombardo (VA) | 6 km | +64 EUR |
All 518 municipalities of the 20 km band
This site is not tax advice. It is an indicative calculation from public parameters current as of 2025. Check with a tax adviser before you file.