Pillar 3a calculator
Calculate your Pillar 3a (voluntary private pension) capital at retirement – plus your annual and cumulative tax savings. 2026 maximum amounts pre-filled.
Typical values in Switzerland (federal + cantonal + municipal):
• Income CHF 60–80k: 18–24 %
• Income CHF 100–130k: 24–32 %
• Income CHF 150k+: 30–40 %
For an exact figure: your most recent tax assessment or the official ESTV tax calculator.
Pillar 3a balance over time
Note: Maximum amounts per BVV3 Art. 7 para. 1 (as of 2026). A reduced capital payment tax applies on withdrawal (5–10% depending on canton). Tax savings use a constant marginal tax rate; in reality the rate decreases slightly as the deduction reduces income. Not tax or investment advice.
Frequently asked questions about Pillar 3a
What is the Pillar 3a maximum contribution in 2026?
Employees with a Pensionskasse: CHF 7'258 per year.
Self-employed without a Pensionskasse: max. 20% of earned income, up to CHF 36'288 per year. The amounts are adjusted every few years in line with wage growth.
How much tax do I save with Pillar 3a?
You can deduct the full annual contribution from your taxable income. With a marginal tax rate of 25% and the maximum contribution of CHF 7'258, you save around CHF 1'815 in taxes per year. The calculator shows you the total savings over your entire contribution period.
When can I withdraw my Pillar 3a capital?
Normally: at the earliest 5 years before and at the latest 5 years after AHV retirement age. Early withdrawal is only allowed for: purchase of owner-occupied property, becoming self-employed, emigration, or permanent incapacity to work. Tip: holding multiple Pillar 3a accounts allows staggered withdrawals and reduces taxes.
What return is realistic for Pillar 3a?
Pillar 3a savings accounts typically pay 0.05–0.4%. Pillar 3a investment solutions (e.g. VIAC, frankly, finpension) have historically returned 3–5% per year with a higher equity allocation – with fluctuations. For long time horizons, usually the better choice.
See your real pension situation
Geldfuchs combines your Pillar 3a with AHV (state pension), Pensionskasse (employer pension), and private assets – and shows you what your retirement will actually look like.
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