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 read from the Rentenskala 44 table valid from 2025 (the average income is rounded up to the table's next row, one every 1,512 CHF; each row pays 74 % of the minimum pension plus 13/600 of the income up to 45,360 CHF, then 104 % plus 8/600, at most 2,520 CHF), scaled by contribution years out of 44, multiplied by the early or deferred claiming factor, indexed with inflation, and paid 13 times a year from 2026 (13th AHV pension). The average income is today's salary unless you enter your own, plus child-rearing credits (three yearly minimum pensions, 45,360 CHF, per year with a child under 16, half each for married parents, spread over the contribution years) and, for a couple, half the difference to the spouse's income for the share of years married (income splitting). 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; a mix converts the balance less the share taken as capital. Each pillar 3a account carries its own balance and is paid out in its own year ending at the retirement age (never before 60), moved to other years when pension fund capital or a partner's lump sum falls in the same year. Voluntary pension fund buy-ins are added to the credits every year until retirement; the three-year blocking period before a capital withdrawal is flagged, not modelled. 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. In the survivor scenario one spouse dies at the age you set, at the earliest in the year they retire: their AHV and pension fund pension stop; the survivor gets the higher of their own old-age pension without the couple cap plus the 20 % widowed supplement (at most the maximum, Art. 35bis AHVG) and the widow's or widower's pension of 80 % of the deceased's pension (widows with children or 45+ and married 5+ years, widowers with children only; no 13th payment), 60 % of the deceased's pension fund pension (Art. 19 BVG, with children or 45+ and married 5+ years), the deceased's capital not yet paid out, the single tax tariff and the spending share you set. Survivor benefits received while the plan owner still works, and orphans' pensions, are not counted. Early retirees owe AHV contributions as non-employed persons until the reference age (Art. 10 AHVG): the yearly amount is read from the step table of leaflet 2.03 (2026) on net wealth plus 20 × pension income, between 530 and 26,500 CHF, half each for a couple, waived while a spouse works. Lump sums are taxed separately from income, with all lump sums of the household in the same year added up: the federal share at one fifth of the ordinary tariff (Art. 38 DBG), the cantonal and communal share from the official ESTV calculator's results for the cantonal capital (2026, interpolated between sampled amounts, typically within 1 % of the official figure; Valais by the age at payment). 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. Free capital earns the investment return until retirement and the post-retirement return afterwards; in retirement it pays the cantonal wealth tax (ESTV 2026, on net wealth including the home's tax value less the mortgage) and income tax on the part of the return set as taxable yield, both financed from capital like spending; withdrawals and price gains are not taxed. A home adds no income tax in retirement, since the imputed rental value ends in 2029; the mortgage is tested at a 5 % imputed rate plus 1 % upkeep against a third of the gross retirement income, the usual bank rule. 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: partial retirement, the recalculation of a couple's pensions when the second spouse claims, wealth tax before retirement, church tax, communes other than the cantonal capital. Estimates only, not financial or tax advice. Signed-in users are prefilled from their profile, pension accounts and pillar 3a securities 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.