Retirement calculator
Will you have enough money for your ordinary retirement in future?
Calculation logic
To calculate your AHV pension at ordinary retirement age we take your current gross income as the determining average income. We then calculate your future pension based on “Scale 44” (AHV). Other calculation factors such as age, any contribution gaps, education and care credits, splittings, revaluation surcharges or any compensation payments to women of the transitional generation due to AHV 21 are not taken into account.
AHV 21 reform
As part of the AHV 21 reform, the statutory retirement age for women will be gradually raised from 64 to 65 from January 2024. In this calculator, we assume a general retirement age of 65. This can affect your result.
If you entered your expected annual pension based on your pension fund statement, we will use it. If you entered your expected lump-sum benefits based on your pension fund statement, we will convert it into a pension by dividing it by 20 (5% conversion rate). If you did not provide any information, we will take your current gross income minus the coordination deduction to define the insured income. We then calculate your retirement capital up to normal retirement age, taking into account employer and employee contributions as well as interest and convert it into a pension by dividing it by 20 (5% conversion rate).
We deduct a lump-sum from the vested benefits balance to account for the taxes due when the pension capital is paid out. We then divide the amount by 25 (remaining life expectancy after ordinary retirement age).
We take your current 3a balance plus your annual deposit amount until ordinary retirement age and deduct a lump-sum to account for the taxes due when the pension capital is paid out. We then divide the amount by 25 (remaining life expectancy after ordinary retirement age).
We divide the amount by 25 (remaining life expectancy after ordinary retirement age).
