Pillar 3a calculator
How much will your Pillar 3a, the tax-advantaged private pension, be worth on the day you retire? Set the yearly contribution, the years left and the expected return: the capital appears instantly.
Indicative estimate, with no contractual value. The precise calculation is made with an advisor.
Refine with an advisorHow the calculation works
- The same contribution every year, paid at the end of the year.
- A constant yearly return, compounded every year.
- No management fees and no tax on withdrawal: the result is an order of magnitude, not a guaranteed amount.
- The slider goes up to the 2026 limit for self-employed people without a pension fund, CHF 36,288.
Frequently asked questions
How much can I pay into my 3a in 2026?
If you belong to a pension fund, up to CHF 7,258 a year. Without a pension fund, typically when self-employed, up to 20% of your net earned income, capped at CHF 36,288.
3a account or 3a invested in securities?
An account does not lose value but earns little. A 3a invested in securities can earn more over a long horizon, with ups and downs along the way. The further away your retirement, the more securities make sense. The return slider lets you compare the two.
When can I withdraw my 3a?
At the earliest five years before the AHV reference age. Early withdrawal is possible in certain cases, notably to buy a home you live in, to become self-employed, or if you leave Switzerland for good.