Frontalieri Svizzera, net pay, year by year

Cross-border worker in Monno

If you live in Monno, in the province of Brescia, 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 Monno is taxed

ProvinceBrescia (BS)
RegionLombardia
20 km bandYes, the municipality is on the agreement's list
Omnibus decreeAnnex 2: you may opt for the 25% substitute tax
Municipal surtaxNo municipal surtax in force
Municipal surtax exemptionNo 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 Monno.

Annual gross78,000 CHF
Swiss contributions-8,349 CHF
Withholding tax-6,786 CHF
Swiss net62,865 CHF
Italian tax-15,052 EUR
of which municipal surtax0 EUR
Final net52,040 EUR
Total take37.5%

How much the municipality matters, in the province of Brescia

On the same salary the only thing that differs between municipalities of one province is the municipal surtax. Of the 11 municipalities in the province of Brescia that fall inside the 20 km band, Monno ranks 3 for net pay.

  • Highest net: Edolo, 52,040 EUR
  • Lowest net: Vione, 51,557 EUR

Between first and last there is 483 EUR a year.

The 25% option for residents of Monno

Monno is one of the municipalities that joined the 20 km band only in 2023. Anyone already working in Ticino, Graubunden or Valais between 31.12.2018 and 17.07.2023 may choose, in their tax return, a substitute tax of 25% of the tax paid in Switzerland instead of income tax and both surtaxes. With the option the canton applies the full tariffs rather than the reduced ones, so it does not always pay off.

  • Ordinary taxation: 52,040 EUR
  • 25% substitute tax: 62,992 EUR

In the example above the better choice is 25% substitute tax, worth 10,952 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.

Calculator ›

Municipalities near Monno

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 Monno. Distances are straight-line, between town centres.

MunicipalityDistanceNet compared with Monno
Incudine (BS)2 kmsame
Edolo (BS)4 kmsame
Vezza d'Oglio (BS)5 kmsame
Sonico (BS)5 km-257 EUR
Tovo di Sant'Agata (SO)6 kmsame
Mazzo di Valtellina (SO)8 km-64 EUR
Lovero (SO)9 kmsame
Corteno Golgi (BS)9 km-257 EUR
Vione (BS)9 km-483 EUR
Vervio (SO)9 kmsame

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.