Switzerland Retirement Calculator / Pensionsrechner Schweiz
Plan your Swiss retirement with our calculator designed for Switzerland's three-pillar system. Includes AHV/IV, BVG (Pensionskasse), Säule 3a, and Säule 3b planning.
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
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.
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.