3a Staggered Withdrawal Savings
See how splitting 3a accounts over several years lowers the capital withdrawal tax.
- Tax with staggered withdrawals
- CHF 12’000
- Tax saved
- CHF 7’200
- Capital per year when split
- CHF 60’000
Learn more
Pillar 3a: The Complete Guide to Tax-Free Retirement Saving
Contribution limits, how to choose between a bank account and securities, and how to cut tax on withdrawal.
🏔️ 5 min readPillar 3a Withdrawal: How to Plan the Tax
When you can withdraw, why staggering helps and what to coordinate with your pension fund.
🏔️ 5 min readRetiring Abroad: What Happens to Your Swiss Pensions and Taxes
Paying out AHV abroad, pension fund options and the tax consequences of leaving.
More calculators: Retirement & Pensions
Pillar 3a Contribution & Tax Saving
Your maximum 3a contribution and the tax you save by paying it in.
🏔️ Retirement & PensionsPillar 3a Growth Projection
Project your 3a capital with regular annual contributions.
🏔️ Retirement & Pensions3a Account vs. Taxable Investing
Compare locking money in pillar 3a against investing the same net amount freely.
🏔️ Retirement & PensionsPension Fund Buy-In Tax Benefit
Voluntary purchases into your pension fund are tax-deductible.
🏔️ Retirement & PensionsPension Fund Conversion Rate
Turn your retirement capital into an annual pension using the conversion rate.
🏔️ Retirement & PensionsAHV Pension Estimate
Rough estimate of your monthly AHV old-age pension from your contribution years and average income.