Swiss Total Pension & Retirement Projection

Simulate your total monthly pension income at retirement in Switzerland. Integrates state AHV/AVS pension, LPP/BVG occupational pension conversion, and Pillar 3a capital decumulation.

How to use this calculator

1. Enter estimated AHV/AVS 1st pillar monthly pension (max single pension: 2,520 CHF/month).
2. Enter current LPP pension capital and annual contribution.
3. Enter current Pillar 3a capital and annual contribution.
4. Set years remaining until retirement age.
5. Read total projected monthly pension income.

Formula & method

Swiss 3-Pillar Retirement Formula

Total Monthly Pension = AHV + (Projected LPP Capital x 6.8% / 12) + (Projected 3a Capital / 240)

240 months = 20-year decumulation period for Pillar 3a capital.

Example

AHV 2,000 CHF + LPP 1,500 CHF + 3a 800 CHF -> 4,300 CHF total monthly pension.

Key insights

• The 3 Pillars of Swiss Retirement: 1st Pillar (AHV state minimum), 2nd Pillar (BVG workplace pension), 3rd Pillar (private 3a savings).
• Statutory minimum LPP conversion rate is 6.8% for compulsory BVG capital.

How to interpret your result

Swiss Replacement Rate

1st and 2nd pillars together aim to replace ~60% of pre-retirement income. Pillar 3a fills the gap to maintain your standard of living.

Frequently asked questions

What is the maximum AHV single pension in Switzerland?

In 2026, the maximum full AHV/AVS monthly pension for a single person with complete contribution years is 2,520 CHF/month.

Related calculators

• Swiss Pillar 3a & Tax Savings Calculator — Calculate annual tax savings and projected compound growth for 3rd Pillar retirement savings in Switzerland.
• Retirement Calculator — Estimate your future retirement nest egg, sustainable 4% rule monthly income, and target savings goal.

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