New in 202613th AHV pension in December: max. CHF 32,760, min. CHF 16,380 per year
2nd pillar · Occupational provision
Pension fund: maintaining your lifestyle
CHF 22,680Entry threshold for compulsory coverage
From age 25Retirement savings process begins
~60 %Target of AHV + pension fund combined
3rd pillar · Private provision
Pillars 3a & 3b: closing the gap
CHF 7,258Max. 3a contribution with a pension fund (2026)
Fully deductibleEvery contribution lowers your taxable income
CHF 36,288Max. 3a without a pension fund (20 % of income)
The crucial point
The pension gap
50–70 %
of your final salary is what AHV + pension fund typically cover – the rest is your gap
Good to know
Do you know your numbers?
💡 Step one: the overview. Order your AHV account statement, dig out your pension fund certificate and check your 3a balances – three documents, one clear picture.