Switzerland · CHF · Pension guide
Switzerland retirement calculator
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.
Understand the pension systemWorked example. Change the inputs to explore your plan.
From age 65 to 66 · 12 modelled months · CHF
12-month retirement spending estimate
CHF 26,544
After tax · today's money
- Income you entered
- + CHF 0
- From savings or pension pot
- + CHF 26,544
A level budget through age 95 under your assumptions. It can use up savings and leaves no inheritance reserve. Review each year; this is not a guaranteed spending amount.
See the 12-month breakdown
Rounded monthly averages, not actual payment dates. Income above this budget is not reinvested.
| Month | Income you entered | From savings or pension pot | Spending budget | Savings left |
|---|---|---|---|---|
| 1 | CHF 0 | CHF 2,212 | CHF 2,212 | CHF 601,832 |
| 2 | CHF 0 | CHF 2,212 | CHF 2,212 | CHF 600,595 |
| 3 | CHF 0 | CHF 2,212 | CHF 2,212 | CHF 599,356 |
| 4 | CHF 0 | CHF 2,212 | CHF 2,212 | CHF 598,114 |
| 5 | CHF 0 | CHF 2,212 | CHF 2,212 | CHF 596,871 |
| 6 | CHF 0 | CHF 2,212 | CHF 2,212 | CHF 595,625 |
| 7 | CHF 0 | CHF 2,212 | CHF 2,212 | CHF 594,378 |
| 8 | CHF 0 | CHF 2,212 | CHF 2,212 | CHF 593,129 |
| 9 | CHF 0 | CHF 2,212 | CHF 2,212 | CHF 591,877 |
| 10 | CHF 0 | CHF 2,212 | CHF 2,212 | CHF 590,624 |
| 11 | CHF 0 | CHF 2,212 | CHF 2,212 | CHF 589,368 |
| 12 | CHF 0 | CHF 2,212 | CHF 2,212 | CHF 588,111 |
Savings left after 12 months: CHF 588,111
How this budget is calculated (English) ↗The projection below follows your entered spending or withdrawal plan; this budget is a separate estimate.
Accessible savings at retirement · 65
CHF 603,068
Today's money · After tax, in today's money.
At retirement, under these assumptions. This is not an extra monthly contribution.
Your accessible savings over time
Today's moneyThe first spending shortfall appears around age 79.4. Later pension payments may change the gap.
Pensions are set to zero. Add your estimates to include them.
See the year-by-year breakdown
| Age at year end | Phase | Savings added | Real growth | Pension income | Savings withdrawn | Unfunded spending | Savings left |
|---|---|---|---|---|---|---|---|
| 46 | Saving | CHF 9,600 | CHF 4,988 | CHF 0 | CHF 0 | CHF 0 | CHF 264,588 |
| 47 | Saving | CHF 9,600 | CHF 5,274 | CHF 0 | CHF 0 | CHF 0 | CHF 279,462 |
| 48 | Saving | CHF 9,600 | CHF 5,566 | CHF 0 | CHF 0 | CHF 0 | CHF 294,628 |
| 49 | Saving | CHF 9,600 | CHF 5,863 | CHF 0 | CHF 0 | CHF 0 | CHF 310,091 |
| 50 | Saving | CHF 9,600 | CHF 6,166 | CHF 0 | CHF 0 | CHF 0 | CHF 325,857 |
| 51 | Saving | CHF 9,600 | CHF 6,475 | CHF 0 | CHF 0 | CHF 0 | CHF 341,932 |
| 52 | Saving | CHF 9,600 | CHF 6,791 | CHF 0 | CHF 0 | CHF 0 | CHF 358,323 |
| 53 | Saving | CHF 9,600 | CHF 7,112 | CHF 0 | CHF 0 | CHF 0 | CHF 375,034 |
| 54 | Saving | CHF 9,600 | CHF 7,440 | CHF 0 | CHF 0 | CHF 0 | CHF 392,074 |
| 55 | Saving | CHF 9,600 | CHF 7,774 | CHF 0 | CHF 0 | CHF 0 | CHF 409,448 |
| 56 | Saving | CHF 9,600 | CHF 8,114 | CHF 0 | CHF 0 | CHF 0 | CHF 427,162 |
| 57 | Saving | CHF 9,600 | CHF 8,462 | CHF 0 | CHF 0 | CHF 0 | CHF 445,224 |
| 58 | Saving | CHF 9,600 | CHF 8,816 | CHF 0 | CHF 0 | CHF 0 | CHF 463,640 |
| 59 | Saving | CHF 9,600 | CHF 9,177 | CHF 0 | CHF 0 | CHF 0 | CHF 482,417 |
| 60 | Saving | CHF 9,600 | CHF 9,545 | CHF 0 | CHF 0 | CHF 0 | CHF 501,562 |
| 61 | Saving | CHF 9,600 | CHF 9,921 | CHF 0 | CHF 0 | CHF 0 | CHF 521,082 |
| 62 | Saving | CHF 9,600 | CHF 10,303 | CHF 0 | CHF 0 | CHF 0 | CHF 540,985 |
| 63 | Saving | CHF 9,600 | CHF 10,694 | CHF 0 | CHF 0 | CHF 0 | CHF 561,279 |
| 64 | Saving | CHF 9,600 | CHF 11,091 | CHF 0 | CHF 0 | CHF 0 | CHF 581,970 |
| 65 | Saving | CHF 9,600 | CHF 11,497 | CHF 0 | CHF 0 | CHF 0 | CHF 603,068 |
| 66 | Retirement | CHF 0 | CHF 11,395 | CHF 0 | CHF 48,000 | CHF 0 | CHF 566,463 |
| 67 | Retirement | CHF 0 | CHF 10,677 | CHF 0 | CHF 48,000 | CHF 0 | CHF 529,140 |
| 68 | Retirement | CHF 0 | CHF 9,945 | CHF 0 | CHF 48,000 | CHF 0 | CHF 491,085 |
| 69 | Retirement | CHF 0 | CHF 9,199 | CHF 0 | CHF 48,000 | CHF 0 | CHF 452,285 |
| 70 | Retirement | CHF 0 | CHF 8,438 | CHF 0 | CHF 48,000 | CHF 0 | CHF 412,723 |
| 71 | Retirement | CHF 0 | CHF 7,663 | CHF 0 | CHF 48,000 | CHF 0 | CHF 372,386 |
| 72 | Retirement | CHF 0 | CHF 6,872 | CHF 0 | CHF 48,000 | CHF 0 | CHF 331,258 |
| 73 | Retirement | CHF 0 | CHF 6,065 | CHF 0 | CHF 48,000 | CHF 0 | CHF 289,323 |
| 74 | Retirement | CHF 0 | CHF 5,243 | CHF 0 | CHF 48,000 | CHF 0 | CHF 246,566 |
| 75 | Retirement | CHF 0 | CHF 4,405 | CHF 0 | CHF 48,000 | CHF 0 | CHF 202,971 |
| 76 | Retirement | CHF 0 | CHF 3,550 | CHF 0 | CHF 48,000 | CHF 0 | CHF 158,521 |
| 77 | Retirement | CHF 0 | CHF 2,678 | CHF 0 | CHF 48,000 | CHF 0 | CHF 113,199 |
| 78 | Retirement | CHF 0 | CHF 1,790 | CHF 0 | CHF 48,000 | CHF 0 | CHF 66,989 |
| 79 | Retirement | CHF 0 | CHF 884 | CHF 0 | CHF 48,000 | CHF 0 | CHF 19,873 |
| 80 | Retirement | CHF 0 | CHF 97 | CHF 0 | CHF 19,969 | CHF 28,031 | CHF 0 |
| 81 | Retirement | CHF 0 | CHF 0 | CHF 0 | CHF 0 | CHF 48,000 | CHF 0 |
| 82 | Retirement | CHF 0 | CHF 0 | CHF 0 | CHF 0 | CHF 48,000 | CHF 0 |
| 83 | Retirement | CHF 0 | CHF 0 | CHF 0 | CHF 0 | CHF 48,000 | CHF 0 |
| 84 | Retirement | CHF 0 | CHF 0 | CHF 0 | CHF 0 | CHF 48,000 | CHF 0 |
| 85 | Retirement | CHF 0 | CHF 0 | CHF 0 | CHF 0 | CHF 48,000 | CHF 0 |
| 86 | Retirement | CHF 0 | CHF 0 | CHF 0 | CHF 0 | CHF 48,000 | CHF 0 |
| 87 | Retirement | CHF 0 | CHF 0 | CHF 0 | CHF 0 | CHF 48,000 | CHF 0 |
| 88 | Retirement | CHF 0 | CHF 0 | CHF 0 | CHF 0 | CHF 48,000 | CHF 0 |
| 89 | Retirement | CHF 0 | CHF 0 | CHF 0 | CHF 0 | CHF 48,000 | CHF 0 |
| 90 | Retirement | CHF 0 | CHF 0 | CHF 0 | CHF 0 | CHF 48,000 | CHF 0 |
| 91 | Retirement | CHF 0 | CHF 0 | CHF 0 | CHF 0 | CHF 48,000 | CHF 0 |
| 92 | Retirement | CHF 0 | CHF 0 | CHF 0 | CHF 0 | CHF 48,000 | CHF 0 |
| 93 | Retirement | CHF 0 | CHF 0 | CHF 0 | CHF 0 | CHF 48,000 | CHF 0 |
| 94 | Retirement | CHF 0 | CHF 0 | CHF 0 | CHF 0 | CHF 48,000 | CHF 0 |
| 95 | Retirement | CHF 0 | CHF 0 | CHF 0 | CHF 0 | CHF 48,000 | CHF 0 |
Educational estimates. Not personal financial advice. Manual pension amounts. No eligibility, tax calculation or future benefit reassessment. This model assumes steady returns and is not a probability of success.
Example: a two-year bridge before pension income
Imagine stopping work at 63 and spending CHF 4,000 a month. Your invented personal forecasts start at 65: CHF 2,000 monthly average from AHV (already including any applicable extra annual payment) and CHF 1,500 from a pension fund. At zero return and inflation, the first two years require CHF 96,000. The CHF 500 monthly gap from 65 to 85 requires another CHF 120,000: CHF 216,000 altogether at 63. These are illustrative inputs, not benefit rates or an entitlement assessment. The form initially shows a separate example with zero pensions.
Understand the pension systemSwitzerland
Common questions
Does the calculator automatically add a 13th AHV pension?
No. Enter a monthly average of your expected annual net AHV income. The calculator uses exactly what you enter, so including an extra payment again would double-count it. Actual December cash flow and partial first-year payments require a separate calendar-based budget.
Can I enter pillar 3a or pension-fund capital as savings?
Only count funds available when your plan needs them, and never include capital that also supports an entered pension. A future restricted lump sum cannot be scheduled here. Once released, use the net accessible capital in a new scenario and remove any replaced pension income.
Does a different start age change the AHV or pension-fund amount?
No. Change the amount yourself using an updated personal forecast. The calculator does not assess reference age, contribution gaps, household caps, conversion rates, supplementary benefits or tax. It only changes when your entered income starts.
Methodology · 1.0
Methodology
12-month retirement spending estimate
Already retired? Set the stop-work age equal to your current age to estimate the next 12 months. Otherwise the estimate starts at your chosen retirement age.
Rounded monthly averages, not actual payment dates. Income above this budget is not reinvested.
How this budget is calculated (English) ↗
One consistent money basis
All inputs and results use today's purchasing power. Enter net pension payments and spending after tax. The net return is nominal, after investment taxes and fees. Monthly real growth factor = ((1 + net return / 100) / (1 + inflation / 100))^(1/12). Savings contributions remain constant in real terms and arrive at month-end until retirement.
How the income gap is funded
From retirement, the monthly gap is max(0, spending − active pension payments). Savings grow first, then a month-end withdrawal funds the gap up to the available balance. Excess pension income is not reinvested. The capital needed at retirement is the sum of these future gaps discounted at the monthly real return; no future pension is borrowed against.
What the estimate leaves out
Amounts stay constant in real terms: the model assumes payments keep pace with inflation, which your actual pension may not do. Ages use whole years; no calendar dates, pension accrual, changing taxes, benefit offsets, future lump sums, market volatility or inheritance target are modelled. Income before your entered retirement age is excluded. Changing a start age does not recalculate the payment amount. Only combine streams that share the same dates.
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.