3rd Pillar Comparator Switzerland
Find the best deal for your retirement and save on tax.
- A package tailored to your real needs
- Guarantee your savings with the 3rd pillar
Excellent 4.7 out of 5
More than 45 institutions compared
Save up to CHF 2,470 a year thanks to your 3rd pillar
Calculate your potential tax savings!
What I invest per month
CHF 300
Your annual tax savings
CHF 1059
Pension calculator
Projecting your 3rd pillar capital over time
You are
A man
A woman
Your situation
Employee
Independent
Level of risk
Conservative
Moderate
Aggressive
Your age
35 years old
Annual payment
CHF 3,000
The impact of the 3rd pillar
Now is not just the time to save, but to save intelligently. These examples demonstrate the power of compound interest and the importance of thinking ahead:
At the age of 20
Invest
200.-/per month
can grow
to 829,610.- in 45 years,
with a yield of 8.5%.
At the age of 30
Invest
300.-/per month
can grow
to 627,888.- in 35 years,
with a yield of 9%.
At the age of 40
Invest
400.-/per month
can grow
to 383,242.- in 25 years,
with a yield of 9.75%.
Would you like tailor-made offers?
Ready to optimise your pension provision? Fill in our questionnaire and receive offers tailored to your needs.
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Maximise your tax benefits with Pillar 3a
By contributing to Pillar 3a, you can benefit from tax deductions of up to CHF 7,258 for employees and CHF 36,288 for self-employed people. A tax incentive that rewards your pension provision.
Find out more about Pillar 3a
Flexibility and freedom with Pillar 3b
Pillar 3b gives you the freedom to invest with no annual limit and to withdraw your funds as you wish, with no additional tax.
Find out more about Pillar 3b
Think you’re making the most of your tax savings? The 3rd pillar might have more to offer than you expect.
- Free and without obligation
FAQ
What are the tax benefits of Pillar 3a?
Pillar 3a offers significant tax advantages by allowing contributions to be deducted from your taxable income, which can reduce your annual tax burden. For 2025, the deductible amounts are CHF 7,258 for employees affiliated to a pension fund and up to CHF 36,288 for the self-employed.
What role does a private pension fund play in retirement planning?
A private pension fund, particularly via Pillar 3b, plays a key role in retirement planning by providing an additional, flexible source of income. It can be used to fill gaps in pension provision and optimise the net income available when you retire.
How is the amount of Pillar 3a contributions determined?
The amount you can contribute to Pillar 3a is capped and depends on your employment status. If you are affiliated to a pension fund, the maximum amount is CHF 7,258. For self-employed people who are not affiliated to a pension fund, the ceiling is 20% of their net income or up to CHF 36,288.
How does Pillar 3b differ from Pillar 3a and Pillar 2?
Pillar 3a offers significant tax advantages by allowing contributions to be deducted from your taxable income, which can reduce your annual tax burden. For 2025, the deductible amounts are CHF 7,258 for employees affiliated to a pension fund and up to CHF 36,288 for the self-employed.
Can I make early withdrawals from my Pillar 3a and what are the consequences?
Yes, you can make early withdrawals from pillar 3a, mainly to finance the purchase of a main property or to start a self-employed business. These early withdrawals are subject to tax, but can make a significant contribution to your short-term financial plans.
