How much money will you have in your old age?
Find out what you should know about pension planning when you start your career.*
The calculations and data are optimized for under-30s.*
- AHV: To calculate your AHV pension, we take the average of your salary range (e.g., CHF 50,000 – 60,000 = CHF 55,000 average). Using “scale 44” (AHV), we calculate your pension. Your age is not considered here.
- Pension fund: To calculate your pension fund benefits, we take your average salary minus the coordination deduction of CHF 25,725. This gives the insured salary. Even if your average salary is higher than CHF 88,200, we will never use a higher average than 88,200 for our calculation. The insured salary is multiplied by 6 and then by the statutory conversion rate of 6.8%.
- Example: Average of CHF 55,000 – 25,725 = CHF 29,275 insured salary. CHF 29,275 × 6 = CHF 175,650 vested benefits capital. CHF 175,650 × 6.8% = CHF 11,944 annual pension.
- Example calculation with an average salary of CHF 95,000: CHF 88,200 – 25,725 = CHF 62,475. CHF 62,475 × 6 = CHF 374,850. CHF 374,850 × 6.8% = CHF 25,489 annual pension. Your age is generally not considered here.
- (Why we multiply by 6: the total sum of your retirement credits from the age of 25 is 500% (x 5). The interest rate set by the government is currently 1%. Due to the compound interest effect, we multiply by 6 instead of 5.
- 3a: We take your current 3a balance plus your annual deposit amount up to retirement age and multiply this total by 4%.
- Example: pillar 3a savings of CHF 10,000 + annual deposit of CHF 5,000 × 35 years until retirement = CHF 185,000 capital by age 65. CHF 185,000 × 4% = CHF 7,400 annual pension (notional).
The calculated annual pension is then divided by 12 to give the monthly pension
