Pillar 3a calculator
How much will your Pillar 3a, the tax-advantaged private pension, be worth on the day you retire? Set the yearly contribution, the years left and the expected return, and the capital appears instantly.
Indicative estimate, with no contractual value. The precise calculation is made with an advisor.
Refine with an advisorHow the calculation works
- The same contribution every year, paid at the end of the year.
- A constant yearly return, compounded every year.
- Management fees and tax on withdrawal are not included, so the result is an order of magnitude, not a guaranteed amount.
- The slider goes up to the 2026 limit for self-employed people without a pension fund, CHF 36,288.
Frequently asked questions
How much can I pay into my 3a in 2026?
If you belong to a pension fund, up to CHF 7,258 a year. Without a pension fund, typically when self-employed, up to 20% of your net earned income, capped at CHF 36,288.
3a account or 3a invested in securities?
An account does not lose value but earns little. A 3a invested in securities can earn more over a long horizon, with ups and downs along the way. The further away your retirement, the more securities make sense. The return slider lets you compare the two.
When can I withdraw my 3a?
At the earliest five years before the AHV reference age. Early withdrawal is possible in certain cases, notably to buy a home you live in, to become self-employed, or if you leave Switzerland for good.