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Your First 90 Days: the Money Control Panel
Moving to Switzerland changes the mechanics of everyday money before you have a sense of what “normal” looks like. This guide turns a Swiss salary and a pile of unfamiliar rules into a workable system — one control panel, six workstreams.
What’s inside
Arrival cash, before the first salary
How much cash the first weeks actually need — deposits, premiums, and the gap before your first Swiss payday.
Your first Swiss payslip, decoded
What is deducted through payroll, what is not, and the two figures worth checking every month.
Health and accident cover
Two systems newcomers mix up — what your employer covers, what you must arrange, and the deadlines that matter.
Taxes after you move
Source tax vs ordinary assessment, and why money still held abroad keeps a place on your checklist.
Pensions from day one
AHV and occupational pension deductions, what happened to old entitlements, and what to keep track of.
The 90-day worksheet
One page per workstream — tick what is done, see what runs in parallel, know what can wait.
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