Switzerland Pillar 3a pension calculator (Säule 3a)
Calculate Swiss Pillar 3a annual tax savings (CHF 7,056 limit), marginal cantonal tax relief, and compound interest retirement growth in Swiss Francs.
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Maximalbetrag mit 2. Säule: CHF 7'056. Ohne 2. Säule (Selbständige): max. CHF 35'280.
Typischer Schweizer Grenzsteuersatz: 25% bis 35%.
Säule-3a-Wertschriftenfonds erzielen im Schnitt 3% bis 6%.
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About this tool
Calculate your exact tax savings and long-term retirement wealth with Swiss Pillar 3a (Säule 3a Steuerrechner). Maximize your tax deduction (CHF 7,056 for employees with pension fund, or up to CHF 35,280 for self-employed) against your cantonal marginal income tax rate and project compounded investment returns.
How to use it
- 1 Enter your annual Pillar 3a contribution (up to CHF 7,056).
- 2 Select your cantonal marginal income tax bracket (typically 20% to 35%).
- 3 View immediate annual tax cash savings and projected compound balance at retirement age 65.
Questions
What is the maximum Pillar 3a deposit limit in Switzerland?
For individuals affiliated with a 2nd pillar pension fund (BVG), the maximum Pillar 3a tax-deductible contribution is CHF 7,056 per year. For self-employed individuals without a pension fund, it is 20% of net earned income up to CHF 35,280.
How does Pillar 3a save taxes in Switzerland?
Every franc contributed to Pillar 3a is fully deductible from taxable income on both federal and cantonal/communal tax returns, reducing your tax bill by your top marginal tax rate.
Is my data uploaded?
No. This tool runs in your browser, so your text and files never reach our server.
Is this tool free?
Yes. It’s free to use with no sign-up and no limits for normal use.
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