Pension calculator for Switzerland
Estimate your state pension in Switzerland: gross and net amount, retirement age and how much to save to close the gap.
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Popular questions
How much will my pension be in Switzerland?
Enter your age, your contribution years and your salary in the calculator above. For example, a 40 year old earning 7,024 CHF per month who keeps working until 65 can expect about 3,713 CHF net per month in today's money.
At what age can I retire in Switzerland?
For someone aged 40 today the statutory retirement age is 65. Retiring earlier usually reduces the pension, and working longer increases it.
How is the state pension calculated in Switzerland?
Reference age is 65 for men and for women born in 1964 or later. Women born 1961 to 1963 retire between 64 and 3 months and 64 and 9 months. Full AHV pension (44 contribution years) from 1,260 CHF to 2,520 CHF per month, the maximum is reached at an average income of 90,720 CHF. BVG: age credits of 7% to 18% of the coordinated salary, converted at 6.8% into a yearly pension. Pensions are fully taxable, the rate depends on the canton.
How much should I save for retirement in Switzerland?
With a salary of 7,024 CHF per month, the estimated pension covers about 57.5% of your gross salary. To reach 70% you would need to save about 359 CHF per month, assuming a 3% real return.
How the pension is calculated in Switzerland
Swiss retirement income rests on two pillars for most employees: the AHV state pension and the occupational pension (BVG) from your pension fund. The AHV depends on your average income and your contribution years, from 1,260 to 2,520 CHF per month for a full career, and from December 2026 a 13th AHV pension is paid once a year. The calculator estimates the BVG with the legal minimum.
- Reference age is 65 for men and for women born in 1964 or later. Women born 1961 to 1963 retire between 64 and 3 months and 64 and 9 months.
- Full AHV pension (44 contribution years) from 1,260 CHF to 2,520 CHF per month, the maximum is reached at an average income of 90,720 CHF.
- BVG: age credits of 7% to 18% of the coordinated salary, converted at 6.8% into a yearly pension.
- Pensions are fully taxable, the rate depends on the canton.
Examples for 2026
Person aged 40 with 15 years of contributions, retiring at the statutory age, amounts per month in today's money.
| Gross salary | Gross pension | Net pension | Share of salary |
|---|---|---|---|
| 5,000 CHF | 3,029 CHF | 2,786 CHF | 60.6% |
| 7,024 CHF | 4,036 CHF | 3,713 CHF | 57.5% |
| 10,000 CHF | 4,303 CHF | 3,958 CHF | 43.0% |
Minimum pension and retirement age
The full AHV old-age pension is at least 1,260 CHF and at most 2,520 CHF per month in 2026. Supplementary benefits (Ergänzungsleistungen) help when income does not cover basic living costs.
Frequently asked questions
What is the minimum pension in Switzerland?
The full AHV old-age pension is at least 1,260 CHF and at most 2,520 CHF per month in 2026. Supplementary benefits (Ergänzungsleistungen) help when income does not cover basic living costs.
What does the calculator not include?
Exact AHV table rounding, income splitting for married couples, pension fund rules above the legal minimum, lump-sum withdrawals, pillar 3a and cantonal tax tables are not included.
Is this an official pension calculation?
No. It is an informational estimate based on 2026 rules published by the official sources listed on this page. For your exact entitlement, check your personal pension statement or ask the pension authority.
Sources and disclaimer
These results are an informational estimate in today's money. We use the 2026 rules and amounts published by the institutions below and check them when the rules change. Real pensions depend on your full insurance record. Exact AHV table rounding, income splitting for married couples, pension fund rules above the legal minimum, lump-sum withdrawals, pillar 3a and cantonal tax tables are not included.