Retirement AtlasA clearer view of retirement.

Switzerland · CHF · Pension guide

Swiss retirement planning: AHV, pension fund and savings

Bring AHV, your pension fund and accessible savings into one plan in Swiss francs. See how different payment start dates affect the savings you need.

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01

Keep the three pillars distinct

Swiss retirement provision combines state, occupational and private provision. Enter your own AHV and pension-fund income estimates separately. A fund balance and the pension bought with it are alternatives in this calculator: counting both would overstate your resources.

02

Plan with annual AHV income

The first 13th AHV old-age pension payment is due in December 2026. Its amount depends on qualifying old-age pension paid during the year; it is not a supplement to every kind of pension. Use the annual amount applicable to your situation after tax, divided by 12, and check whether your forecast already includes the extra payment.

03

Bridge the years before payments start

Occupational and tied private savings can have access restrictions. Do not treat a future pension-fund or pillar 3a payout as cash already available to bridge an early stop-work date. This model cannot add future lump sums. Start a separate scenario when funds become accessible and exclude any income surrendered in exchange for capital.

Using the calculator

  1. Gather personal AHV and pension-fund forecasts, plus the dates and conditions attached to each. Check the annual total and convert gross figures to your estimated after-tax income.
  2. Enter each monthly average and its own start age. Use only accessible assets for the savings balance, with all inputs in today's CHF. No currency conversion or tax calculation is provided.
  3. Compare stopping work before pension income starts with a later retirement. Review the annual table to locate the bridge period and test a longer horizon and lower return.
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Official sources & pension overviews

Sources checked . Manual pension amounts. No eligibility, tax calculation or future benefit reassessment. This model assumes steady returns and is not a probability of success.