Reading your numbers
Two documents tell you almost everything: your AHV statement (order it free from the compensation office – check for contribution gaps, each missing year cuts the pension) and your annual pension fund certificate showing projected retirement capital and conversion rate.
The gap most people find
High earners hit the AHV ceiling and coordinated pillar-2 deductions – replacement rates fall as income rises. That's exactly what pillar 3a (deductible up to CHF 7,258 in 2026 with a pension fund) is designed to patch.
Make retirement a line item
Treat 3a as a fixed monthly cost, not a year-end leftover.
Track these costs in your own budget: create your free Swiss budget in BudgetHub – in English, with Swiss categories built in.