See exactly how much income tax your Pillar 3a contribution saves you this year, split into federal, cantonal and communal tax, and what your 3a pot could be worth at retirement.
1Your situation
Calculated with the tax multipliers of Zürich, the cantonal capital.
CHF
Your taxable income after all deductions. You find it on your last tax assessment.
Marital status
For church members, church tax at the capital parish rate is included in the saving.
2Your 3a contribution
Pension situation
With a 2nd-pillar pension fund you may pay in up to 7,258 CHF per year.
CHF
Your legal maximum: 7,258 CHF
3Until withdrawal
%
3a interest accounts pay roughly 0.5–1 %; 3a securities solutions have historically returned 3–6 % per year.
4Marginal tax rate overrideAdvanced
Tax saved in 2026
1,877 CHF
for a deductible contribution of 7,258 CHF in the canton of Zurich
CHFWithout 3aWith 3aSaved
Direct federal tax2,0241,545479
Cantonal tax5,0074,386621
Communal tax (Zürich)6,2715,494777
Total tax saved13,30211,4251,877
Effective marginal rate on the contribution: 25.9 %
7,258 CHF of the 7,258 CHF legal maximum
Projected 3a balance in 25 years
272,560 CHF
181,450 CHF paid in plus 91,110 CHF growth at 3 % per year
294k
221k
147k
74k
0
5y10y15y20y25y
Paid in
Growth
Repeated every year, this contribution saves roughly 46,925 CHF in taxes over 25 years, assuming your income, canton and tax law stay the same.
Withdrawal tip: split your savings across several 3a accounts and close them in different tax years. Each withdrawal is taxed separately at a reduced rate, while withdrawals in the same year are added together and pushed into higher brackets.