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Pension

Pension calculator Switzerland: estimate your retirement income in 4 steps

The short answer: you don't need a fancy calculator – four numbers estimate your Swiss pension reliably: your AHV statement, your pension fund certificate's projected capital, its conversion rate, and your pillar 3a balance. Here's the exact calculation, step by step.

Von Leutrim MiftarajGründer von BudgetHub, MSc Innovation Management (FFHS)

Step 1–2: AHV + pension fund

Order your free AHV statement (compensation office) – a full contribution record currently yields roughly CHF 1,260–2,520/month depending on average income; gaps reduce it. Then read your pension fund certificate: projected capital × conversion rate (often ~5–6.8% on the mandatory part) = yearly pillar-2 pension.

Step 3–4: pillar 3a + the gap

Project your 3a: current balance plus yearly contributions to retirement, conservatively grown. Add all three income streams and compare with ~80% of your current spending (not salary!) – the difference is your gap, and time is the main tool to close it.

Run it yearly

Recalculate once a year with fresh certificates – ten minutes that beat any generic online calculator, because it's YOUR numbers.

Track these costs in your own budget: create your free Swiss budget in BudgetHub – in English, with Swiss categories built in.

Häufige Fragen

How much pension will I get in Switzerland?+

Combine your AHV statement (max. roughly CHF 2,520/month full career) with your pension fund's projected pension and pillar 3a. Together they typically replace 50–70% of final salary.

Is there an official Swiss pension calculator?+

The AHV/IV information centre offers ESCAL for AHV estimates; your pension fund certificate already contains the pillar-2 projection – combining both beats third-party calculators.

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