Estimate your annual tax savings and long-term capital accumulation with a Swiss 3rd Pillar (Pilier 3a). Calculates tax deductions based on your marginal tax rate and projects investment growth up to retirement.
How to use this calculator
Enter your planned annual Pillar 3a contribution (max 7'258 CHF in 2026 for employees).
Set investment duration in years.
Set expected return rate (e.g. 4.5% for 3a investment funds).
Set your marginal income tax rate (typically 20%-30%).
Read annual tax savings, total tax saved, and final projected 3a capital.
Formula & method
Pillar 3a Tax Savings & Growth Formula
Tax Savings = Contribution x Marginal Tax Rate; Future Value = Sum( Contribution x (1 + Return)^t )
2026 Max Contribution = 7,258 CHF for employees with LPP.
Example
7,258 CHF/yr at 25% tax rate -> 1,814.50 CHF tax saved per year.
Key insights
Pillar 3a contributions are 100% tax-deductible from taxable income up to the annual official cap (7,258 CHF in 2026).
With a 25% marginal tax rate, maxing out 3a saves ~1,814 CHF in taxes every single year.
Capital and dividends inside 3a accounts are exempt from wealth tax and income tax until withdrawal.
How to interpret your result
3a Investment Returns
Combining instant tax savings (~25%) with compound equity growth makes Pillar 3a one of the highest-yielding financial vehicles in Switzerland.
Frequently asked questions
What is the Pillar 3a maximum contribution for 2026?
In 2026, the maximum tax-deductible Pillar 3a contribution for employees affiliated with an LPP pension fund is 7,258 CHF.