Retirement Calculator
Calculate your retirement income from AHV (state pension), pension fund and Pillar 3a – and see how large your pension gap really is. Swiss 3-pillar system.
📋 Personal details
1st Pillar – AHV
2nd Pillar – Pension Fund (Pensionskasse)
3rd Pillar – Pillar 3a (private)
Note: Model calculation with constant interest rates and linear Pillar 3a payout. Your actual AHV pension depends on your contribution history (request an individual account statement!); pension funds vary widely in conversion rate and interest. The 13th AHV pension since 2026 is not shown separately – enter a monthly amount that already accounts for the fact that you receive 13 payments per year. Not pension advice.
Frequently asked questions about retirement
What is a pension gap?
The difference between your desired retirement income (typically 60–80 % of your last salary) and what you actually receive from AHV, pension fund and Pillar 3a. Anyone who wants to maintain their current standard of living typically needs 70–80 % – the first two pillars provide around 60 % for average incomes; the rest must come from the 3rd pillar and private savings.
What is the maximum AHV pension in 2026?
Individuals: CHF 2'520 per month (maximum), CHF 1'260 (minimum). Couples combined: CHF 3'780. Since 2026, AHV is paid 13 times per year – effectively increasing the monthly average by around 8.3 % compared to the pure monthly pension.
Where can I find my expected AHV pension?
Order an individual account statement (IK-Auszug) from the compensation office or via ahv-iv.ch. From this you can estimate your expected AHV pension. The Geldfuchs app reads the statement automatically.
What is the conversion rate?
The percentage by which your pension fund assets are converted into a lifelong annual pension. Mandatory (by law): 6.8 % – but in the above-mandatory portion often only 4.5–5.5 %. For a combined solution, many funds blend to 5–5.8 %. Example: CHF 500'000 × 5.5 % = CHF 27'500 annual pension.
Lump sum or pension – which is better?
Depends on life expectancy, security needs and tax burden. Pension = lifelong security, fully taxable. Lump sum = flexibility, taxed once at a reduced rate, but longevity risk. Rule of thumb: anyone who lives longer than ~17 years is usually better off with the pension. A mixed solution (part pension, part lump sum) is often the smartest option.
Your real retirement situation
Geldfuchs reads your AHV account statement, pension fund certificate and Pillar 3a accounts automatically – and shows you your real pension gap with your actual numbers.
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