Pillar 3a Simulator 2026
Calculate your tax savings and retirement capital. 2026 limit: CHF 7,258 (employees) | CHF 36,288 (self-employed).
Tax savings and retirement capital
Your gross income for a personalized estimate
More accounts = less tax on withdrawal
Frequently asked questions about Pillar 3a
What is the Pillar 3a limit in 2026?
For employees affiliated with a pension fund (2nd pillar), the limit is CHF 7,258 per year. For self-employed without a 2nd pillar, the limit is 20% of net income, max. CHF 36,288.
How much can I save on taxes?
Savings depend on your marginal tax rate. On average, you can save between 25% and 35% of the amount paid, up to CHF 2,500 per year for a maximum contribution.
When must I pay to deduct this year?
Payment must be made before December 31 of the tax year in question. We recommend paying before mid-December to avoid any banking delays.
Can I withdraw my Pillar 3a before retirement?
Yes, in certain cases: purchase of primary residence, permanent departure from Switzerland, becoming self-employed, or disability. The capital is then taxed at a reduced rate.
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