{
  "schema_version": "sde-seo-data-2026.1",
  "generated_at": "2026-09-21",
  "rules": {
    "official": "Value copied from the named official or collective-agreement source.",
    "sde_formula": "Deterministic calculation from visible inputs; no hidden estimate.",
    "scenario": "Editable planning assumption; not an official statistic or personal advice."
  },
  "sources": {
    "bfs_salary": {
      "name": "BFS – Schweizerische Lohnstrukturerhebung 2024",
      "url": "https://www.bfs.admin.ch/bfs/de/home/statistiken/arbeit-erwerb/loehne-erwerbseinkommen-arbeitskosten/lohnstruktur.html",
      "as_of": "2024"
    },
    "salarium": {
      "name": "BFS – Salarium, statistischer Lohnrechner",
      "url": "https://www.salarium.bfs.admin.ch/",
      "as_of": "2026"
    },
    "suissetec_2026": {
      "name": "suissetec – Mindestlöhne Gebäudetechnik 2026",
      "url": "https://suissetec.ch/files/PDFs/Recht/GAV_Salaer/Deutsch/Mindestl%C3%B6hne%202026-d.pdf",
      "as_of": "2026-01-01"
    },
    "suissetec_agreement_2026": {
      "name": "suissetec / Unia / Syna – Lohnvereinbarung und Anhang 8 zum GAV 2026",
      "url": "https://suissetec.ch/files/PDFs/Recht/GAV_Salaer/Deutsch/GT_Lohnvereinbarung_2026_D_final.pdf",
      "as_of": "2026-01-01"
    },
    "ahv_2026": {
      "name": "Informationsstelle AHV/IV – Beitragssätze 2026",
      "url": "https://www.ahv-iv.ch/de/Formulare/Diverse-Listen/Synoptische-Tabelle-Beitrags-und-Pr%C3%A4miens%C3%A4tze",
      "as_of": "2026-01-01"
    },
    "bag_2026": {
      "name": "BAG – regionale Durchschnittsprämien 2026",
      "url": "https://www.bag.admin.ch/dam/de/sd-web/ZHSq3s8mYbWS/regionale%20monatliche%20durchschnittliche%20Pr%C3%A4mie_PG2026.pdf",
      "as_of": "2026"
    },
    "bfs_rent_2024": {
      "name": "BFS – SE/GWS, durchschnittliche Nettomieten 2024",
      "url": "https://www.bfs.admin.ch/bfs/en/home.assetdetail.36398431.html",
      "as_of": "2024"
    },
    "zurich_rent_2024": {
      "name": "Statistik Stadt Zürich – Mietpreise 2024",
      "url": "https://www.stadt-zuerich.ch/artikel/de/statistik-und-daten/mietpreise-2024-in-der-stadt-zuerich.html",
      "as_of": "2024-04-01"
    },
    "bfs_vacancy_2024": {
      "name": "BFS – Leerwohnungsziffer 2024",
      "url": "https://datavis.bfs.admin.ch/statatlas/maps/md-13.286/maps/13.286/map/mapIdOnly/0_de.html",
      "as_of": "2024"
    },
    "estv": {
      "name": "ESTV – Steuerrechner",
      "url": "https://www.estv.admin.ch/de/steuerrechner-steuern-berechnen",
      "as_of": "2026"
    },
    "rent_deposit": {
      "name": "ch.ch – Mietvertrag und Mietzinsdepot",
      "url": "https://www.ch.ch/de/wohnen/miete/mietvertrag-und-pachtvertrag/",
      "as_of": "2026"
    },
    "health_deadline": {
      "name": "BAG – Versicherungspflicht bei Wohnsitz in der Schweiz",
      "url": "https://www.bag.admin.ch/de/krankenversicherung-versicherungspflicht-fuer-in-der-schweiz-wohnhafte-versicherte",
      "as_of": "2026"
    },
    "sem_registration": {
      "name": "SEM – In der Schweiz arbeiten",
      "url": "https://www.sem.admin.ch/sem/de/home/overview-arbeit.html",
      "as_of": "2026"
    }
  },
  "datasets": {
    "heating_installer_2026": {
      "efz": [
        {
          "stage": "ab Lehrabschluss",
          "monthly_chf": 4600,
          "hourly_chf": 26.54
        },
        {
          "stage": "ab 3. Jahr nach Lehrabschluss",
          "monthly_chf": 5100,
          "hourly_chf": 29.43
        },
        {
          "stage": "ab 5. Jahr nach Lehrabschluss",
          "monthly_chf": 5300,
          "hourly_chf": 30.58
        }
      ],
      "eba": [
        {
          "stage": "ab Lehrabschluss",
          "monthly_chf": 4100,
          "hourly_chf": 23.66
        },
        {
          "stage": "ab 3. Jahr nach Lehrabschluss",
          "monthly_chf": 4300,
          "hourly_chf": 24.81
        },
        {
          "stage": "ab 5. Jahr nach Lehrabschluss",
          "monthly_chf": 4500,
          "hourly_chf": 25.97
        }
      ],
      "untrained": [
        {
          "stage": "1. Jahr der Anstellung",
          "monthly_chf": 4000,
          "hourly_chf": 23.08
        },
        {
          "stage": "ab 3. Jahr der Anstellung",
          "monthly_chf": 4100,
          "hourly_chf": 23.66
        },
        {
          "stage": "ab 5. Jahr der Anstellung",
          "monthly_chf": 4300,
          "hourly_chf": 24.81
        }
      ],
      "hours_divisor": 173.3,
      "annual_hours": 2088,
      "employee_gav_monthly_chf": 25
    },
    "nurse_canton_reference_scenario": {
      "note": "The CHF 7,500 salary is a comparison input, not a profession median.",
      "rows": [
        {
          "canton": "ZH",
          "scenario_gross_monthly_chf": 7500,
          "employee_ahv_iv_eo_alv_chf": 480.0,
          "bfs_mean_net_rent_3_room_chf": 1732,
          "bag_standard_premium_adult_chf": 585.8,
          "intermediate_before_bvg_nbu_tax_and_living_chf": 4702.2
        },
        {
          "canton": "BE",
          "scenario_gross_monthly_chf": 7500,
          "employee_ahv_iv_eo_alv_chf": 480.0,
          "bfs_mean_net_rent_3_room_chf": 1288,
          "bag_standard_premium_adult_chf": 612.8,
          "intermediate_before_bvg_nbu_tax_and_living_chf": 5119.2
        },
        {
          "canton": "SG",
          "scenario_gross_monthly_chf": 7500,
          "employee_ahv_iv_eo_alv_chf": 480.0,
          "bfs_mean_net_rent_3_room_chf": 1312,
          "bag_standard_premium_adult_chf": 540.1,
          "intermediate_before_bvg_nbu_tax_and_living_chf": 5167.9
        },
        {
          "canton": "AG",
          "scenario_gross_monthly_chf": 7500,
          "employee_ahv_iv_eo_alv_chf": 480.0,
          "bfs_mean_net_rent_3_room_chf": 1440,
          "bag_standard_premium_adult_chf": 570.8,
          "intermediate_before_bvg_nbu_tax_and_living_chf": 5009.2
        },
        {
          "canton": "TG",
          "scenario_gross_monthly_chf": 7500,
          "employee_ahv_iv_eo_alv_chf": 480.0,
          "bfs_mean_net_rent_3_room_chf": 1308,
          "bag_standard_premium_adult_chf": 544.8,
          "intermediate_before_bvg_nbu_tax_and_living_chf": 5167.2
        }
      ]
    },
    "zurich_housing": {
      "city_median_net_rent_chf": {
        "2_rooms": 1424,
        "3_rooms": 1578,
        "4_rooms": 1870
      },
      "municipality_vacancy_rates": [
        {
          "municipality": "Zürich",
          "bfs_number": 261,
          "vacancy_rate_percent": 0.07
        },
        {
          "municipality": "Winterthur",
          "bfs_number": 230,
          "vacancy_rate_percent": 0.14
        },
        {
          "municipality": "Uster",
          "bfs_number": 198,
          "vacancy_rate_percent": 1.83
        },
        {
          "municipality": "Dietikon",
          "bfs_number": 243,
          "vacancy_rate_percent": 0.62
        },
        {
          "municipality": "Bülach",
          "bfs_number": 53,
          "vacancy_rate_percent": 0.58
        },
        {
          "municipality": "Dübendorf",
          "bfs_number": 191,
          "vacancy_rate_percent": 0.93
        },
        {
          "municipality": "Wallisellen",
          "bfs_number": 69,
          "vacancy_rate_percent": 3.52
        },
        {
          "municipality": "Schlieren",
          "bfs_number": 247,
          "vacancy_rate_percent": 0.05
        }
      ]
    },
    "zurich_8500_budget_scenario": {
      "gross_monthly_chf": 8500,
      "salary_months": 13,
      "employee_social_rate": 0.064,
      "second_pillar_monthly_chf_assumption": 500,
      "accident_monthly_chf_assumption": 80,
      "tax_reserve_monthly_chf_assumption": 1000,
      "city_zurich_median_net_rent_3_room_chf": 1578,
      "health_standard_region_1_chf": 640.1,
      "transport_monthly_chf_assumption": 100,
      "other_living_costs_monthly_chf_assumption": 1800,
      "gross_annual_chf": 110500,
      "social_ordinary_month_chf": 544.0,
      "remaining_ordinary_month_chf": 2257.9,
      "remaining_annual_chf": 35050.8,
      "effective_remaining_monthly_chf": 2920.9
    },
    "relocation_start_capital_scenario": {
      "rent_monthly_chf_assumption": 1800,
      "deposit_months": 3,
      "relocation_transport_chf_assumption": 2500,
      "temporary_accommodation_chf_assumption": 1500,
      "admin_setup_chf_assumption": 600,
      "initial_household_chf_assumption": 1500,
      "health_monthly_chf_assumption": 600,
      "transport_monthly_chf_assumption": 250,
      "living_monthly_chf_assumption": 1500,
      "deposit_chf": 5400,
      "one_time_capital_chf": 13300,
      "essential_monthly_chf": 4150,
      "target_3_months_chf": 25750,
      "target_6_months_chf": 38200
    }
  }
}