AHV Registration for Self-Employed: Step-by-Step Guide Switzerland

As a self-employed beauty or wellness professional in Switzerland, you must register with the AHV (old-age and survivors' insurance). Many new entrepreneurs are uncertain about the process – yet registration is more straightforward than expected when you know what to do.

When must you register with AHV?

You must register at latest three months after starting your self-employed activity with the competent AHV compensation fund. Ideally, do this before starting your business. Late registration can lead to back payments and default interest.

Which AHV compensation fund is responsible?

Responsibility depends on your canton of residence and your industry:

• Cantonal compensation funds: For most beauty and wellness businesses
• Industry compensation funds: If your profession is assigned to a specific industry
• Federal compensation fund: For certain professional groups

Required documents for AHV registration

For registration, you need the following documents:

• Registration form for self-employed persons (available from the compensation fund)
• Copy of your identity card or passport
• Commercial register extract (if you registered in the commercial register)
• Business plan or description of your activity
• Proof of startup capital or investments
• Rental agreement for business premises or confirmation of home office

AHV contributions as self-employed

As a self-employed person, you pay at least CHF 514 per year in AHV/IV/EO contributions (as of 2024). The contribution rate is 10.1% of net income. With an annual income below CHF 9,600, you pay the minimum contribution.

Provisional contributions and settlement

In the first years, you pay provisional contributions based on your estimated income. After submitting your tax return, the final settlement occurs. Plan these additional payments or refunds into your liquidity planning.

Tips for beauty and wellness professionals

Document all business expenses and income carefully from the beginning. This will make your tax return and final AHV settlement much easier later.

At selbständig.you, you'll find additional free guides that help you take the step into self-employment – from registration to tax optimization.