Retirement Simulator for Switzerland

All amounts are in today's purchasing power: nominal returns are deflated by the inflation assumption and contributions are held constant in real terms. AHV: full pension from the Rentenskala 44 formula (flat minimum up to 12 × the minimum pension, then 74 % of the minimum plus 13/600 of the average income up to 36 × the minimum, then 104 % plus 8/600 up to 72 × the minimum, capped at twice the minimum), scaled by contribution years out of 44, multiplied by the early or deferred claiming factor, indexed with inflation. BVG: coordinated salary = min(salary, 90,720) minus 26,460 (at least 3,780, zero below the 22,680 entry threshold); statutory credits of 7 / 10 / 15 / 18 % by age band unless overridden; the annuity equals the projected balance times the conversion rate, adjusted by 0.2 points per year before or after 65, fixed in nominal terms. Each pillar 3a account carries its own balance (a single balance is split evenly across the accounts) and is paid out in its own year ending at the retirement age (never before 60); the yearly contribution is spread across them, and free savings compound with their own return. Voluntary pension fund buy-ins are added to the credits every year until retirement, without the three-year blocking period. Stopping work before the fund's earliest retirement age (58) moves the balance to a vested benefits account, which pays capital only and at the earliest at 60 (Art. 16 FZV). A married partner is simulated on the first person's age scale with their own AHV, pension fund and 3a; the couple's two AHV pensions are capped at 150 % of the maximum, both reduced in the same proportion before the claiming factor (Art. 35 AHVG), the partner's take-home pay (gross salary less 13 % employee social deductions) counts as income while they still work, and the household is taxed at the married tariff. Early retirees owe AHV contributions as non-employed persons until the reference age (Art. 10 AHVG, leaflet 2.03): the yearly amount is read from the table on wealth plus 20 × pension income, between 530 and 26,500 CHF, half each for a couple, waived while a spouse works, and financed from capital like spending. Lump sums are taxed separately from income: the federal share exactly at one fifth of the ordinary tariff (Art. 38 DBG, ESTV 2026 schedule), the cantonal and communal share at the flat rate you enter; the net amount joins the free capital, which earns the investment return until retirement and the post-retirement return afterwards. Income tax on AHV and pension fund annuities uses the canton's 2026 tariff at the cantonal capital (ESTV data), single or married, without church tax. The headline income is the highest level monthly spending, in today's money, that the year-by-year run can finance to the plan age without a shortfall in any year, so money locked in the pension fund or 3a until a later payout age cannot finance the years before it; the run at your actual spending target reports the age at which the free capital runs out. Not modelled: income splitting between spouses in the AHV record, child-rearing credits, wealth tax, partial retirement, housing wealth, survivors' pensions. Estimates only, not financial or tax advice. Signed-in users are prefilled from their profile and pension accounts; until confirmed on the profile, the gross salary is estimated as the monthly net income times 12 divided by 0.8, a rough net-to-gross factor that varies by canton and salary level.