Retirement Provision for the Self-Employed: AHV, 3a and Voluntary Pension Funds

How to build retirement savings without an employer pension fund.

Without an employer, you are responsible for your own retirement provision.

AHV

You pay AHV contributions on your net income. The pension is based on your contributions in the same way as for employees.

Estimated tax saving – depending on Marginal tax rate

Example with default values. Open the calculator →

Without a pension fund, you can pay in up to 20 % of net income, up to the annual maximum. This is the main tax-privileged tool.

Calculate your limit with the pillar 3a calculator.

Your maximum 3a contribution and the tax you save by paying it in.

Estimate AHV/IV/EO contributions for the self-employed using the sliding scale.

Voluntary purchases into your pension fund are tax-deductible.

What freelancers and sole traders must register, insure and set aside.

Liability, capital, taxes and administration compared.

When you must register, how input tax works and how the flat-rate method can simplify things.