Maximum pillar 3a amount for 2021

Make the most of your tax advantages

You can deduct payments made into the pillar 3a retirement savings account from your taxable income. This lets you save on taxes now and set money aside for later.

The following maximum amount applies for 2021

  • For beneficiaries with a pension fund: 6883 Swiss francs
  • Without a pension fund: 34 416 Swiss francs (max. 20% of net income)

Already have a UBS Account?

Find the best retirement solution for you in E-Banking.

Prefer smartphone?

You can find pension products in the Mobile Banking App under "Settings > Products > Products & services > Pension planning".

Good advice pays off

We’re glad to answer any questions you may have about pensions and will give you comprehensive advice – for example, on the following topics:

  • How can I invest my money to get higher returns?
  • How can I finance my own home with pension funds?
  • How can I best plan my retirement to save on taxes?

3 practical tips for your retirement provision

Payments into pillar 3 are worth it. You can save hundreds of francs depending on your place of residence and how much you paid in. The more you pay in annually, the more taxes you save.

Our tip: Transfer a monthly fixed amount to your retirement savings account instead of paying one larger sum at the end of the year. The best way to do this is by standing order – that way you don’t have to worry about anything. Select "Maximum amount per year" to adjust your standing order automatically.

If you have a second or even a third retirement account, you can withdraw your money later in staggered amounts and, depending on the canton, save on taxes again when the savings are paid out.

A rule of thumb: If you have saved up roughly 50,000 francs in a pillar 3a retirement savings account, it makes sense to open another one.

If you're already a client of ours, you won't even need to come in to a branch – you can open a retirement account yourself in e-banking.

A custody account is the ideal complement to the retirement savings account. Your money is invested in stocks, bonds and real estate. That way you have a higher earnings potential over the long run.

Don't miss the payment deadline

Allow us to remind you of the payment deadline – this way you will also be immediately informed of the current applicable maximum amount.