Switzerland Retirement Calculator 2026 / Pensionsrechner Schweiz
Free retirement calculator 2026 for Switzerland. Plan your Swiss retirement with AHV/IV, BVG (Pensionskasse), Säule 3a, and Säule 3b planning. Calculate your retirement needs in CHF with our comprehensive Swiss retirement planning tool.
Calculate AHV (Alters- und Hinterlassenenversicherung) state pension benefits and planning.
Plan Pensionskasse contributions and retirement capital. Understand mandatory vs optional BVG coverage.
Optimize Säule 3a (tax-deductible) and Säule 3b (flexible) retirement savings strategies.
State & Occupational Pensions
- ✓ AHV (1st pillar) - max CHF 2,450/month
- ✓ BVG/Pensionskasse (2nd pillar) - occupational
- ✓ Retirement age: 65 (men), 64 (women, rising to 65)
- ✓ Combined 60% income replacement goal
- ✓ Early retirement options from age 63
- ✓ Delayed retirement bonuses
Private Pension (3rd Pillar)
- ✓ Säule 3a - tax-deductible (CHF 7,056 limit)
- ✓ Säule 3b - flexible private savings
- ✓ Tax benefits and withdrawal options
- ✓ Early withdrawal for home purchase
- ✓ Pension fund vs bank account options
- ✓ Staggered withdrawal strategies
Retirement Age / Rentenalter
65
standard
Life Expectancy / Lebenserwartung
84
years / Jahre
Inflation / Inflation
1.5%
average / Durchschnitt
Säule 3a Limit
CHF 7,056
2024 limit
How to Use the Switzerland Retirement Calculator 2026 / Pensionsrechner
Our free Switzerland retirement calculator helps you plan for retirement using the Swiss three-pillar system (3-Säulen-System). Calculate your AHV (state pension), BVG (occupational pension), and Säule 3a/3b (private savings) for complete retirement planning.
AHV (1st Pillar): Alters- und Hinterlassenenversicherung provides state pension up to CHF 2,450/month. Our calculator helps you estimate AHV benefits and understand early retirement options.
BVG (2nd Pillar): Berufliche Vorsorge is the mandatory occupational pension fund. Our calculator helps you project BVG benefits and understand pension vs lump sum withdrawal options.
Säule 3a/3b (3rd Pillar): Säule 3a offers tax-deductible contributions (CHF 7,056 limit), while Säule 3b provides flexible private savings. Our calculator helps you maximize Säule 3a for tax benefits.
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View FAQ →Häufige Fragen - Swiss Pension FAQs
Wie hoch ist die maximale AHV-Rente? / What's the maximum AHV pension?
The maximum AHV pension is CHF 2,450/month for individuals (2024). For couples, the maximum combined is CHF 3,675/month. Benefits are based on average income and contribution years.
What is the Swiss 3-pillar system?
Switzerland's 3-Säulen-System consists of: 1st pillar (AHV - state pension), 2nd pillar (BVG - occupational pension), and 3rd pillar (Säule 3a/3b - private savings). Combined, they aim for 60% income replacement. Our Pensionsrechner Schweiz helps you plan all three pillars.
How much should I save in Säule 3a in Switzerland?
The annual limit is CHF 7,056 (2024) for employed persons with a pension fund. Maximizing this provides tax deductions and builds retirement savings efficiently.
Can I retire early in Switzerland?
Yes, you can take early retirement from age 63 (AHV) or earlier (BVG, if funds allow). Early retirement reduces AHV benefits by 6.8% per year. Our calculator shows the financial impact.