Retirement Provision for the Self-Employed: AHV, 3a and Voluntary Pension Funds
How to build retirement savings without an employer pension fund.
5 min read · Business & Freelance
Life situations: Self-employment
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.
Example with default values. Open the calculator →
Pillar 3a
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.
Voluntary pension fund
- Some funds accept self-employed people.
- Contributions are deductible and can add savings beyond 3a.
Calculate your limit with the pillar 3a calculator.
Try it yourself: Pillar 3a Contribution & Tax Saving
Change any input and the result updates instantly. Nothing you enter is sent to a server.
Maximum 3a contribution per yearCHF 7'258
- Estimated tax saving
- CHF 2'032
- Net cost after tax saving
- CHF 5'226
- Monthly contribution to reach the maximum
- CHF 605