Swiss Retirement Calculator
Estimate your future pension from AVS and your 2nd pillar, the gap to the retirement income you want, and the monthly saving needed to close it.
Assumes the average annual return set above and a 4% sustainable withdrawal on additional savings. AVS is estimated from your salary.
How the three pillars fit together
Swiss retirement income rests on three pillars: the state AVS/AHV pension (1st pillar), your occupational pension fund (2nd pillar), and private savings such as pillar 3a (3rd pillar). Together, the 1st and 2nd pillars typically replace around 60% of a middle income — leaving a gap to the ~80% most people want in retirement.
That gap is what private savings are for. The earlier you start, the less you need to set aside each month, because returns compound over more years. This calculator gives you a first estimate of the gap and the monthly saving that closes it.
Frequently asked questions
How much pension will I get in Switzerland?
The 1st and 2nd pillars together typically replace roughly 60% of a middle income, though the exact figure depends on your salary, contribution years and pension fund. Higher earners usually see a lower replacement rate and a larger gap.
What is the pension gap?
It is the difference between the income you want in retirement (often around 80% of your final salary) and what AVS and your 2nd pillar will actually pay. Private savings, mainly pillar 3a, are used to close it.
Want a precise projection and a plan to close your gap?
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