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AHV pension calculator

How high will your AHV pension be? With the figures from 2027, the 13th AHV pension, contribution gaps, child-raising credits, early withdrawal or deferral and the cap for married couples.

You

CHF
Gross salary subject to AHV over your whole career. Your current salary is a good estimate.
years
From the year after your 20th birthday it is 44. Subtract missing years.
From 63 at the earliest, 70 at the latest. Early withdrawal cuts, deferral raises the pension.
years
For the child-raising credits. Two children three years apart give 19 years.
At retirement. A registered partnership counts as married.
AHV pension per month CHF 0
Per year with the 13th AHV pension CHF 0
Share of the maximum pension 0%

How your pension is calculated

Figures from 2027: minimum pension CHF 1'280, maximum pension CHF 2'560 per month.

StepYou

Drawing earlier or later

Your pension per month depending on the age you start drawing it, without the 13th AHV pension.

Pension fromReduction or supplementPer monthPer year with the 13th

Note: The calculator estimates the AHV old-age pension under Art. 34 of the AHV Act (AHVG) with pension scale 44 and the figures from 2027. It takes the average income as you enter it, without revaluing earlier years, without splitting incomes during marriage and without care credits. Women of the transitional generation (born 1961 to 1969) have lower reduction rates and a supplement when they draw early. If you worked abroad, years in Switzerland may be missing, and social security agreements (for example with the EU) give you a separate pension from the other country. Anyone drawing a widow's or widower's pension also gets different figures. The compensation office calculates the exact amount with a pension forecast. Not pension advice.

Knowledge

How the AHV calculates your pension

Income and contribution years

The AHV looks at two things: your average income and the number of contribution years. With 44 full years you get the full pension. From 2027 it ranges from CHF 1'280 to CHF 2'560 per month. You reach the maximum pension with an average of CHF 92'160 per year. Every missing contribution year cuts the pension by about 2.3% for life.

What is added and what is deducted

  • 13th AHV pension: Since December 2026, an extra monthly pension is paid every December.
  • Child-raising credits: For every year with children under 16, the AHV adds a notional income of CHF 46'080. Married couples split it in half.
  • Early withdrawal: Possible from 63, the pension drops by 6.8% per year for life.
  • Deferral: Possible up to 70, the pension rises by 5.2 to 31.5%.
  • Married couples: Together they get no more than 150% of the maximum pension, so CHF 3'840 per month.

How to get your real figures

Order your individual account statement (IK statement) free of charge from your compensation office. It shows every contribution year and your income. We explain how to read it on the page about the IK statement (in German). You can pay in gaps from the last five years, more in our article on closing AHV gaps.

Frequently asked questions about the AHV pension

What is the maximum AHV pension in 2027?

CHF 2'560 per month for a single person, CHF 33'280 per year with the 13th AHV pension. Married couples get no more than CHF 3'840 per month together. The minimum pension is CHF 1'280.

How much does a missing contribution year cost me?

About 1/44 of the pension, so roughly 2.3% per year and for life. With the maximum pension that is about CHF 58 per month. You can pay in gaps from the last five years at the compensation office.

Is early withdrawal worth it?

At 63 instead of 65 you get the pension for two more years, but 13.6% less for life. On paper it evens out just before age 78. If you are healthy and expect to live long, drawing from 65 is usually the better choice.

Why do married couples get less than two single people?

The two pensions together are capped at 150% of the maximum pension. If both have high incomes, the AHV cuts both pensions in the same proportion. In return, married people have other advantages, for example the widow's and widower's pension.

Do I have to apply for the 13th AHV pension?

No. Anyone drawing an old-age pension in December gets it automatically with the December pension. Anyone asking you for data or money for it is not the AHV.

I worked abroad. What does that mean for my AHV pension?

Only the years you contributed to the AHV count. Years abroad are usually missing, so your AHV pension is lower. Under social security agreements, for example with the EU and EFTA countries, the other country pays its own pension for your years there.

AHV, pension fund and pillar 3a

Your whole retirement at a glance

Geldfuchs reads your IK statement and your pension fund certificate, adds up AHV, pension fund and pillar 3a and shows whether the money will be enough in retirement.

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