Estimate the capital your pillar 3a contributions will have built up by retirement, and the annual tax saving their deduction from income provides.
Ceiling for 2026: 7’258 francs with a pension fund, 36’288 francs without one.
The capital is available at the earliest five years before the AVS reference age.
The marginal rate depends on your taxable income, your canton and your municipality. Enter the one from your latest tax assessment, or ask us to determine it.
CHF —
Indicative estimate, excluding product fees and tax due on withdrawal.
Breakdown of the capital built up
A mathematical projection based on a constant return, which no investment solution guarantees. Product fees, market movements and the tax due on withdrawal are not deducted.
Pillar 3a produces two distinct effects, best assessed separately before choosing a solution.
Your contributions are deducted from that year’s taxable income. The saving equals the amount paid in multiplied by your marginal rate: it is secured every year, regardless of financial markets.
Each contribution earns a return until withdrawal. The longer the horizon, the larger the share of the final capital generated by interest, as the breakdown bar shows.
The capital is taxed separately from other income, at a reduced but progressive rate. This final charge must be weighed against the savings obtained during the saving phase.
The default return corresponds to a cautious solution. A pillar 3a invested in securities aims higher, at the cost of market exposure that must match your horizon and risk tolerance. Conversely, a pure savings account generally returns less than the assumption used here. Vary this parameter to measure the gap: over thirty years, one additional point of return changes the final capital considerably.
For the full legal framework of pillar 3a and the comparison with pillar 3b, see our dedicated page.
EVERYTHING ABOUT THE THIRD PILLARIt is the additional tax levied on the last franc earned, not the average rate shown on your tax assessment. In French-speaking Switzerland it is frequently between 20% and 40% depending on income, canton and municipality. We can determine it precisely from your latest assessment.
Yes, as long as you contribute and have sufficient taxable income. That is what sets pillar 3a apart from free savings: the tax gain is immediate and depends neither on the markets nor on the performance of the product chosen.
Because that amount depends on the canton, marital status, the number of withdrawals and any other capital received in the same year. Showing it without knowing those factors would give a falsely precise figure. We estimate it during an individual analysis, together with the staggering strategy.
No. It is a constant assumption, useful for comparing scenarios with each other, not a forecast. A securities-based bank solution follows the markets, while an insurance solution combines a guaranteed and a non-guaranteed part. Product fees also reduce the result.
With a bank account you can pause and resume freely, which simply reduces the final capital. With an insurance solution, stopping has contractual consequences that should be examined before signing. Since 2026, gaps can also be bought back within ten years.
We compare bank and insurance solutions on identical assumptions, fees included, before anything is signed.