Pillar 3a Contribution & Tax Saving
Your maximum 3a contribution and the tax you save by paying it in.
- Estimated tax saving
- CHF 2'032
- Net cost after tax saving
- CHF 5'226
- Monthly contribution to reach the maximum
- CHF 605
How it works
The maximum yearly contribution to pillar 3a is set each year. If you have a pension fund, the fixed limit applies; if you do not, the limit is a share of your net income up to a cap. Contributions reduce taxable income, so the tax saved is the contribution times your marginal rate.
Learn more
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.
🏔️ Retirement & PensionsPillar 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.
🏔️ Retirement & PensionsPension Fund Buy-Ins: A Step-by-Step Strategy
How to find your buy-in potential, spread purchases over several years and avoid common traps.
More calculators: Retirement & Pensions
Pillar 3a Growth Projection
Project your 3a capital with regular annual contributions.
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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.