Tax saving calculator
Every franc you pay into Pillar 3a comes off your taxable income. Enter your contribution and your marginal tax rate to see the saving, year after year.
Indicative estimate, with no contractual value. The precise calculation is made with an advisor.
Refine with an advisorHow the calculation works
- Yearly saving = 3a contribution × marginal tax rate.
- Your marginal rate is the rate charged on your last franc of income, not your average rate.
- Amounts are capped at the 2026 limits: CHF 7,258 for employees with a pension fund, CHF 36,288 for the self-employed without one.
- The capital is taxed when you withdraw it, at a reduced rate and separately from income, so the final net saving is a little lower than the total shown.
Frequently asked questions
How do I find my marginal tax rate?
It depends on your income, your municipality and your marital status. Your last tax assessment, or the canton's tax calculator, will give you an estimate. If in doubt, an adviser can work it out with you in a few minutes.
Why is the limit different for employees and the self-employed?
If you belong to a pension fund, you are already saving through the second pillar, so your 3a limit is lower. Self-employed people without a pension fund can pay in up to 20% of their net income, capped at CHF 36,288 in 2026.
What about pension fund buy-ins?
They are also deductible from taxable income, often for larger amounts than the 3a. They are not included in this calculator: spread over several years, they can make up a large part of the total saving.