Retirement Income Gap
Find out how much extra monthly income, and capital, you need in retirement.
- Monthly gap
- CHF 800
- Capital needed to close the gap
- CHF 274'286
- Guaranteed income covers
- 85.71 %
- Expected monthly AHVCHF 2'300 · 41 %
- Expected monthly pension fundCHF 2'500 · 45 %
- Monthly gapCHF 800 · 14 %
How it works
Compares your expected retirement income (pension fund, AHV and other sources) with the income you want. The difference is the gap you must cover, often from savings or a withdrawal rate. Income figures are estimates and ignore inflation.
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 & PensionsYour 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.
🏔️ Retirement & PensionsPension or Lump Sum? How to Choose at Retirement
Compare lifelong annuities with capital withdrawals: taxes, risk, flexibility and deadlines.
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 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.