🏔️ Retirement & Pensions
AHV, pension fund (BVG), pillar 3a and retirement planning.
Calculators (10)
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 & Pensions3a Staggered Withdrawal Savings
See how splitting 3a accounts over several years lowers the capital withdrawal tax.
🏔️ 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.
🏔️ Retirement & PensionsRetirement Income Gap
Find out how much extra monthly income, and capital, you need in retirement.
🏔️ Retirement & PensionsRetirement Capital Needed
How big a portfolio do you need to fund your desired lifestyle?
🏔️ Retirement & PensionsAHV Early / Late Retirement Calculator
Compare drawing your AHV pension early or deferring it.
Guides (15)
The Swiss Three-Pillar Pension System Explained
AHV, pension fund and private savings: how the three pillars work together and what each one gives you.
🏔️ 7 min readPillar 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.
🏔️ 6 min readAHV: How Your State Pension Is Calculated
Contribution years, average income, the scale 44, early and late retirement and the 13th pension.
🏔️ 7 min readYour Pension Fund (BVG): Buy-Ins, Conversion Rates and Choices
How the second pillar works, why conversion rates matter and when a voluntary purchase pays off.
🏔️ 5 min readChanging Jobs: What Happens to Your Pension Fund Savings
Vested benefits, the transfer to your new fund and what to do in a gap between jobs.
🏔️ 6 min readUsing Your Pension Fund to Buy a Home (WEF)
How the early withdrawal for home ownership works, its tax effect and the risks for your cover.
🏔️ 6 min readPension or Lump Sum? How to Choose at Retirement
Compare lifelong annuities with capital withdrawals: taxes, risk, flexibility and deadlines.
🏔️ 5 min readPension Fund Buy-Ins: A Step-by-Step Strategy
How to find your buy-in potential, spread purchases over several years and avoid common traps.
🏔️ 6 min readRetirement Planning in Switzerland: A Checklist by Age
What to do in your 20s, 30s, 40s, 50s and 60s to reach retirement with enough money.
🏔️ 5 min readAHV Contribution Gaps: How to Find and Close Them
Why missing years reduce your pension, how to check your account and when you can still pay back.
🏔️ 5 min readAHV 21: What the Reform Means for Retirement Age and Flexibility
The higher reference age for women, flexible retirement from 63 and the compensation for the transition generation.
🏔️ 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 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.
🏔️ 4 min readYour Pension Fund’s Health: Funding Ratio, Interest and Conversion Rate
Which figures show whether your fund is stable and what to do if it is not.
🏔️ 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.