Swiss Pension & Retirement Estimator (AHV/BVG)
Estimate your retirement monthly pension under the Swiss state (AHV) and occupational (BVG) systems.
Swiss Pension & Retirement Estimator (AHV/BVG)
Project your Swiss pension payouts by combining 1st Pillar (AHV) state benefits and 2nd Pillar (BVG) accumulated retirement funds.
Retirement Settings
Pension Breakdown
What is the Swiss Pension & Retirement Estimator (AHV/BVG)?
Project your Swiss retirement pension. Combines the first pillar state pension (AHV) and second pillar corporate pension (BVG) to calculate your post-retirement monthly 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.