3a Account vs. Taxable Investing
Compare locking money in pillar 3a against investing the same net amount freely.
- Free investing capital
- CHF 216'754
- Advantage of 3a
- CHF 67'376
- Better option
- 3a
- 3a net capital after withdrawal tax
- Free investing capital
How it works
Compares the same yearly saving in a pillar 3a account (tax-deductible, invested, taxed on withdrawal) and in an ordinary investment account (taxed each year on wealth and returns). Results depend on the return, your tax rates and the withdrawal tax assumed.
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.
🏔️ Retirement & PensionsThe 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 & PensionsAHV: How Your State Pension Is Calculated
Contribution years, average income, the scale 44, early and late retirement and the 13th pension.
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 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.