Retiring Before 65: Accessing Pension Money and Bridging the Gap
From which age you can draw each pillar and how to finance the years in between.
5 min read · Retirement & Pensions
Many people want to stop work before 65. Each pillar has its own rules, and the pieces do not line up automatically.
Access by pillar
- AHV: from 63, with a permanent reduction.
- Pension fund: usually from 58, depending on your regulation.
- Pillar 3a: five years before the reference age.
Example with default values. Open the calculator →
The bridge
Use free savings to cover costs until pensions start. Keep in mind that health insurance and taxes continue, and that people who stop working must still pay AHV contributions until the reference age, based on their wealth and pension income.
Compare the options
An early pension is lower for life. Compare it with working part-time for a few more years, which keeps income and contributions flowing. Test your target with the retirement capital calculator.