Swiss Pension & Retirement Estimator (AHV/BVG)
Estimate your retirement monthly pension under the Swiss state (AHV) and occupational (BVG) systems.
Swiss Retirement Income Calculator
Project your total monthly retirement income from all three Swiss pension pillars (AHV/AVS, BVG/LPP, and Pillar 3a) and check your income replacement rate.
🎛️ Your Retirement Profile
Swiss 3-Pillar Pension System At-a-Glance
| Pillar | Type | Funded By | Target Share |
|---|---|---|---|
| 1st Pillar (AHV) | State Pension | 8.7% payroll (shared) | ~40% |
| 2nd Pillar (BVG) | Occupational Pension | Age-based % (employee + employer) | ~35% |
| 3rd Pillar (3a/3b) | Private Savings | Voluntary (CHF 7,258/yr max) | ~25% |
How the Swiss 3-Pillar Retirement System Works
Switzerland operates one of the most admired pension systems globally, built on three complementary pillars. Properly funded, the three-pillar system should provide 60–80% of pre-retirement income — the widely recommended replacement rate for maintaining your lifestyle.
What is the maximum AHV pension in 2026?
The maximum individual AHV monthly pension in 2026 is CHF 2,520 (full contribution for 44 years for men, 43 years for women). Couples receive a combined maximum of CHF 3,780/month. AHV contributions require at least 1 contribution year to qualify for partial pension.
What is the BVG conversion rate used at retirement?
The mandatory BVG conversion rate for the coordination-covered portion of salary is 6.8% (for obligatory BVG capital). This means CHF 100,000 of BVG capital converts to CHF 6,800/year (CHF 567/month) of guaranteed pension annuity.
Can I withdraw my BVG capital as a lump sum instead of an annuity?
Yes! Swiss law allows full lump-sum withdrawal of your BVG pension capital at retirement (at the ordinary or early retirement age). However, if you withdraw capital, you lose the guaranteed lifetime income security. The withdrawal is taxed at the same privileged rate as Pillar 3a.
Educational Purpose Disclaimer
This calculator is provided for informational and educational estimation purposes only. All calculations and projections are based on standard mathematical formulas and assumed inputs. The output values should not be considered professional financial, legal, tax, or medical advice. ProCalc is not a registered financial advisor or licensed practitioner. Always consult a qualified professional (such as a Chartered Accountant, certified planner, or physician) before making major decisions.
What is the Swiss Pension & Retirement Estimator (AHV/BVG)?
The Swiss Pension & Retirement Estimator (AHV/BVG) is a retirement planning tool designed to help workers in Switzerland forecast their future pension benefits under the state and occupational retirement pillars.
The Swiss retirement landscape is built upon a robust Three-Pillar System:
• 1st Pillar (AHV/AVS): The state pension is mandatory for all residents. It aims to cover basic survival needs. Benefits are calculated based on your average lifetime income and contribution years (maximum 44 years). The maximum single annual AHV pension is capped at CHF 29,400 per year (for a full contribution record), while the minimum is CHF 14,700.
• 2nd Pillar (BVG/LPP): The occupational pension is mandatory for all salaried employees earning above the entry threshold (CHF 22,050). Both you and your employer contribute a percentage of your salary (which increases with age: 7% from age 25, scaling up to 18% from age 55) into a retirement account.
• 3rd Pillar: Private, voluntary retirement savings (Pillar 3a/3b) which offer significant tax deductions.
Under the BVG system, your accumulated retirement capital is converted into an annual pension at retirement using a legally defined conversion rate (currently 6.8% for the mandatory portion of your savings). For example, a BVG nest egg of CHF 400,000 yields a lifetime annual pension of CHF 27,200 (or CHF 2,266 per month).
This estimator projects your accumulated BVG savings over time using your current salary and age-based contribution rates, estimates your state AHV pension, and combines them to calculate your total monthly post-retirement take-home income.
How Does the Swiss Pension & Retirement Estimator (AHV/BVG) Work?
1. Input Current Age and target Retirement Age. 2. Input Current Salary. 3. Input Current BVG/LPP Accumulated Balance. 4. Set expected salary growth and investment return rates. 5. View your projected retirement nest egg and monthly pension benefits.
Formula & Calculation Method
Estimates AHV based on gross salary scale (max CHF 29,400/year). Projects BVG contributions based on age-based brackets and coordination deductions, compounding it at the minimum interest rate (1.25%), then applies the 6.8% legal conversion rate.
Example Calculation
Age 30, retiring at 65, gross salary CHF 90,000, current BVG CHF 40,000. Projected BVG balance = CHF 450,000. Annual BVG = CHF 30,600. AHV = CHF 29,400. Total annual pension = CHF 60,000 | Monthly = CHF 5,000.
Frequently Asked Questions
Estimates AHV based on gross salary scale (max CHF 29,400/year). Projects BVG contributions based on age-based brackets and coordination deductions, compounding it at the minimum interest rate (1.25%), then applies the 6.8% legal conversion rate.
Disclaimer: This tool is provided for informational and calculation purposes. Output values are estimates based on standard user inputs.