What is Your Gender?
To customize your simulation, let's start with some basic information.
Since the AHV 21 reform, the reference age is 65 years for everyone. Your career path influences your OASI projections.
Your Personal Situation
Your age, your planned retirement date, and your professional status.
Taking retirement early permanently reduces the OASI pension. Deferring it by 1 to 5 years increases it by up to +31.5%.
Your Income
This information is used to calculate your OASI and LPP contributions and your potential tax savings.
Your 1st Pillar (OASI)
The number of years of contributions determines your basic pension. Each missing year reduces the pension by approximately 2.3%.
For a full pension (scale 44), you must have contributed 44 years old without interruption. Years spent abroad can create gaps.
Your 2nd Pillar (Occupational Pension)
The pension fund is often your largest source of income in retirement. The more information you have, the more accurate the simulation will be.
Your savings appear on your annual pension certificate (received at the start of the year). If you don't have it on hand, we'll estimate based on your salary.
If you left a job without joining a new pension fund, your assets were transferred to a vested benefits account. This amount is in addition to your pension fund.
Your 3rd pillar
The 3rd pillar is your main lever to bridge a pension gap and reduce your taxes.
2025 Cap: CHF 7,258/year for employees, CHF 36,288/year for self-employed individuals without a 2nd pillar.
In which canton do you live?
Your canton determines your marginal tax rate and, therefore, the actual amount of your tax savings on the 3a account.
The marginal rate ranges from ~16% (Zug) à ~40% (Geneva). It calculates your actual tax savings on your 3a contributions.
What is your goal for life in retirement?
Choose the income level you want to maintain. This defines your goal and reveals your retirement gap.
Experts recommend 70 to 80% of the last salary to maintain your standard of living. This is the basis for calculating your retirement gap.
Your Retirement Projection
- Complete personalized analysis of OASI, occupational pension and 3rd pillar
- Concrete strategies to bridge your pension gap
- Estimate of your tax savings by canton
How to Calculate Your Retirement in Switzerland: Understanding the Three-Pillar System
1. The 1st Pillar (OASI): State Pension
Old-Age and Survivors' Insurance (AVS/OASI) is designed to cover basic living needs. Its amount depends on the number of years you've contributed and your average annual determining income.
- Minimum pension: CHF 1,260 per month (for a full contribution period).
- Maximum pension: CHF 2,520 per month for a single person.
- Ceiling for a married couple: CHF 3,780 per month (capped at 150 % of the maximum pension).
- Warning: Each missing year of contributions (AVS gap) results in a permanent reduction in your pension of approximately 2.3 %.
2. The 2nd Pillar (LPP): Occupational Pension
Your pension fund supplements AVS/OASI to help maintain your previous standard of living. Contributions are deducted directly from your salary and split equally between you and your employer.
- Accumulated capital: This is the total amount deposited into your LPP account throughout your career, plus interest.
- Annual LPP pension: It is calculated by multiplying your LPP balance at the time of retirement by the conversion rate (the minimum statutory rate is 6.8 % for the mandatory portion).
3. The Third Pillar (3a / 3b): Private Retirement Savings
Private savings (Pillar 3a and Pillar 3b) is the essential individual lever to bridge the gap between your pensions (AHV + BVG) and your last salary.
- Linked third pillar (3a): Tax-deductible savings. The annual limit is CHF 7,258 for employees enrolled in a pension plan, and up to CHF 36,288 (max. 20 % of net income) for self-employed individuals without a 2nd pillar.
- Free 3rd pillar (3b): Flexible savings with no upper limit (bank accounts, life insurance, investments).
The Overall Retirement Calculation Formula
| Component | Source | Objective |
|---|---|---|
| OASI/AVS pension | State (1st pillar) | Cover the absolute minimum |
| + LPP pension | Employer (2nd pillar) | Maintain the usual standard of living |
| + 3rd pillar capital | Private savings (3a/3b) | Closing the pension gap |
| = Total retirement income | Total of the 3 pillars | Target: 70 % to 80 % of the last salary |
Reducing Your Pension Gap and Planning Ahead for Retirement
Anticiper son départ ou combler un manque à gagner à sa Swiss retirement demande de connaître les leviers d’action à votre disposition. Que vous visiez un départ à 63 ans ou simplement un maintien optimal de votre niveau de vie, deux paramètres sont déterminants.
The Overall Retirement Calculation Formula
Your pension gap is the difference between your desired retirement income (typically 70% to 80% of your last gross salary) and the amount your 1st and 2nd pillars actually provide.
This drop in income is explained by several frequent factors:
- Career interruptions (extended studies, parental leave, unemployment).
- A late arrival in Switzerland or years worked abroad.
- Part-time work or salary increases not covered retroactively.
Early Retirement Simulation and Calculation in Switzerland
Partir à la retraite avant l’reference age de 65 ans (fixé par la réforme AVS 21) a un impact financier direct sur vos deux premiers piliers :
1. The Reduction in the AVS Pension
It is possible to’Estimate Your AVS Pension between 1 month and 2 years (starting at age 63). In return, the annuity is subject to a (permanent) reduction for the remainder of the annuitant's life:
- 1 year in advance: 6.8% decline
- 2 years in advance: a 13.6% decline
2. The decrease in capital and the occupational benefit conversion rate
By leaving earlier, you prematurely stop your contributions and reduce the accumulation period of your second pillar. Furthermore, pension funds apply a lower conversion rate to recalculate the pension for early retirement.
Fiscalité & impôt sur les retraits
Fiscalité de la retraite : quel impôt sur vos retraits de capital ?
En Suisse, le retrait du capital de votre 2e et 3e pilier est imposé séparément des autres revenus à un taux réduit privilégié. Le montant exact de l’impôt varie fortement selon votre canton de résidence et le montant total retiré.
Échelonnement des retraits en capital
L’échelonnement du 3e pilier pour réduire la charge fiscale
Pour éviter de subir la progressivité de l’impôt lors du retrait de vos avoirs 3a et LPP, il est fortement conseillé d’étaler la fermeture de vos comptes sur plusieurs années (jusqu’à 5 ans avant l’âge officiel).
Frontaliers & expatriés
Vous êtes frontalier ou vous avez travaillé à l’étranger ?
Le calcul de la retraite suisse pour les résidents en France (ou hors de Suisse) répond à des conventions de double imposition et à des règles d’exportation de rentes spécifiques (notamment pour l’AVS et le retrait du capital LPP).
Choix LPP : Capital ou rente ?
2e pilier : Faut-il choisir la rente ou le retrait en capital ?
Lors de votre départ à la retraite, vous devrez décider s’il vaut mieux toucher une life annuity mensuelle, retirer la totalité de votre capital LPP, ou opter pour une solution mixte. La décision dépend de votre santé, de vos héritiers et de votre tolérance au risque.
Rachats LPP (2e pilier)
Combler ses lacunes avec des rachats dans la caisse de pension
Injecter du capital sous forme de rachat volontaire dans votre 2e pilier permet de déduire 100 % du montant versé de votre revenu imposable tout en augmentant vos prestations futures.
The 3 Strategies for Closing the Financial Gap
- Maximizing contributions to the 3a pillar: By contributing the maximum amount allowed by law (CHF 7,258) to your account each year, you can build up dedicated capital while immediately reducing your annual tax liability. Make additional contributions starting in 2026 if you did not contribute the maximum amount in 2025.
- Making LPP (2nd pillar) buybacks: If you have a shortfall in your pension fund, contributing capital in the form of a voluntary buy-in is fully deductible from your taxable income and directly increases your future benefits.
- Set up a bridge pension: Use private capital (Pillar 3b or free savings) to finance the transition period between the end of your professional activity and the receipt of your official pensions.
Frequently Asked Questions
How to calculate your retirement pension in Switzerland?
The calculation is done by adding up the estimated benefits from your three pillars: the state pension (AVS/OASI), the annuity or capital from your pension fund (LPP), and the savings accumulated in your private retirement provision (3rd pillar). Our simulator factors in your age, canton, salary, and current assets to project your future income and identify your pension gap.
What is the maximum amount of the OASI pension?
For a single person with a full contribution record (44 years, no gaps), the individual AVS/OASI pension is CHF 2,520/month (CHF 30,240/year). The minimum pension is CHF 1,260/month. For a married couple, the combined total of both individual pensions is capped at 150% of the maximum pension, or CHF 3,780/month.
At what age can you retire in Switzerland?
Following the entry into force of the AVS 21/OASI 21 reform, the legal reference age is set at 65 for both men and women. Early retirement is possible starting at age 63, but it results in a permanent reduction to your pension. Conversely, you can defer your AVS/OASI pension until age 70, which generates a lifelong bonus on your pension (from +5.2% to +31.5%).
What is the impact of early retirement on my pensions?
- On the OASI: Taking your pension 1 to 2 years early will permanently reduce your pension amount (by between 3.4 % and 13.6 %, depending on your circumstances).
- On the LPP: You accumulate less capital, miss out on years of interest, and the pension fund applies a lower conversion rate.
How much can be contributed to pillar 3a?
- Employee affiliated to a pension fund (LPP): CHF 7,258 per year.
- Self-employed without a pension fund: Up to 20 % of the self-employed person's net income, capped at CHF 36,288 per year.
All of these payments are fully deductible from your taxable income.
What is the LPP conversion rate?
The conversion rate is the percentage your pension fund uses to convert the capital accumulated during your working life into an annual lifelong pension. The legal minimum rate for the mandatory LPP portion is 6.8%. For example, LPP capital of CHF 400,000 converted at 6.8% produces an annual pension of CHF 27,200 (or CHF 2,266/month).
Are the results provided by the simulator accurate?
The simulator provides an indicative estimate calculated based on current Swiss legislation and the maximum AVS/OASI pensions under pension scale 44 (a full contribution record with no gaps). The final amounts will depend on your official account statements (individual AVS/OASI account statement and LPP pension fund certificate) at the time you actually retire.