Retirement calculator

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) incl. 13th AHV pension. 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. For the sake of simplicity, the pension supplements applicable to the transitional generation are not taken into account. This can affect your result.

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 the remaining life expectancy after ordinary retirement age (average life expectancy of 88 for women and 85 for men and other genders).

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 the remaining life expectancy after ordinary retirement age (average life expectancy of 88 for women and 85 for men and other genders).

We divide the amount by the remaining life expectancy after ordinary retirement age. For women, this is 23 years on average (statistical life expectancy of 88 years). For men and other genders the figure is 20 years (statistical life expectancy of 85 years).