How many years do I need for a full AHV pension?

44 years with no gaps. Someone who arrived later gets a share for each year paid, which the calculator applies from the year you enter.

What is the pillar 3a maximum?

CHF 7'258 a year for someone in a pension fund, or 20% of earned income up to CHF 36'288 without one.

Is the AHV couple cap included?

No. The calculator is for one person. A married couple’s two AHV pensions together are capped at 150% of the maximum pension.

Is the income before tax?

Yes. AHV and pillar 2 pensions are taxed as income, and lump sums from pillars 2 and 3a are taxed separately at a reduced rate.

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🇨🇭 AHV/AVS · BVG/LPP · 3a

Swiss pension calculator

AHV, pillar 2 and pillar 3a together: see your yearly income from 65, in today’s francs.

7-day free trial · Not financial advice

Your numbersDrag, click anywhere on a bar, or tap a number to type it

Your age35

Gross salary

Paying AHV since2016

The year you started working in Switzerland. Missing years reduce the AHV pension.

Pillar 2 balance today

Pillar 3a balance today

Pillar 3a contributionsCHF 7'258 / yr

Capped at the legal maximum.

Stop work at65

Growth after fees6%

Inflation3%

Estimated income a year from 65

CHF 69'625AHV CHF 29'783 + Pillars 2 + 3a CHF 39'842

Pillars 2 + 3a at 65CHF 996'044

AHV a monthCHF 2'482

Today’s money: growth 6% and inflation 3% a year by default (both editable). Pots are read as income at 4% a year. Gross, before tax. One person. An estimate, not advice. Pillar 2 at the BVG legal minimum.
Illustration, not financial advice. Investments can fall as well as rise.

Move any slider: the figure above updates as you drag.

CHF 69'625 / yr

Estimated income from 65 · Illustration, not advice

How the three pillars work

Pillar 1 is the AHV/AVS state pension, paid from the reference age of 65. A full pension needs 44 contribution years, counted from the year you turn 21; each missing year reduces it. The full monthly pension runs from CHF 1'260 to CHF 2'520 depending on average income, and a 13th monthly pension is paid each year from December 2026.

Pillar 2 is the occupational pension (BVG/LPP), compulsory for employees earning over CHF 22'680 a year. The legal minimum savings credits are 7%, 10%, 15%, 18% of the coordinated salary by age band from 25, with the employer paying at least half.

Pillar 3a is voluntary, tax-deductible saving: up to CHF 7'258 a year with a pension fund, or 20% of earned income up to CHF 36'288 without one. It can be drawn from 60; pillar 2 from 58 at the earliest, if the fund allows.

What the calculator assumes

The AHV figure uses the Moola app’s own formula with your salary held flat in today’s francs, and counts missing years from the year you started paying. Pillar 2 grows with the legal-minimum credits; many funds pay more, and your pension certificate shows yours. Both pots are read as income at 4% a year, not at your fund’s conversion rate.

The headline figure is the gross yearly income your pensions could give from the age shown, in today’s francs, so it can be set against what you spend now. The tiles under it show the pot behind that income and a second figure for context. Move any slider to see how a later age, a higher contribution or a different growth figure changes the estimate.

Frequently asked questions

How many years do I need for a full AHV pension?: 44 years with no gaps. Someone who arrived later gets a share for each year paid, which the calculator applies from the year you enter.
What is the pillar 3a maximum?: CHF 7'258 a year for someone in a pension fund, or 20% of earned income up to CHF 36'288 without one.
Is the AHV couple cap included?: No. The calculator is for one person. A married couple’s two AHV pensions together are capped at 150% of the maximum pension.
Is the income before tax?: Yes. AHV and pillar 2 pensions are taxed as income, and lump sums from pillars 2 and 3a are taxed separately at a reduced rate.