Swiss Pillar 3a contribution and tax savings calculator

Check the 2026 contribution limit for your pension status, estimate the current-year deduction using your own marginal rate and project repeated contributions.

Published by GrowThenDraw Editorial Team · Editorial policy · Methodology & sources

2026 rules Official sources No provider sponsorship

Your current-year inputs

Pension status Annual net earned income

Income affects the 20% limit only when you are not affiliated with a pension fund.

Already contributed to Pillar 3a this year Planned additional Pillar 3a contribution Estimated marginal tax rate

Use a rate appropriate to your federal, cantonal and municipal position.

Current Pillar 3a balance Years to project Gross annual return Annual investment fee

Estimated current-year tax saving

CHF 1'815

Using your 25.0% marginal-rate assumption; withdrawal tax is excluded.

2026 contribution limit

CHF 7'258

Remaining room

CHF 7'258

Deductible planned amount

CHF 7'258

Projected gross value in 25 years

CHF 402'327

The tax saving is a marginal-rate estimate, not a cantonal tax assessment. Projected value is before Pillar 3a withdrawal tax.

Projected retirement savings

Current balance pathValue added by planned contributions

Contribution cost today

Estimated tax saving versus after-tax cost.

Estimated tax savedEstimated after-tax cost

Year-by-year projection

Contributions occur at year-end; return and fees are editable.

Year	Contribution	Total new contributions	Without new contributions	With new contributions	Fee drag
1	CHF 7'258	CHF 7'258	CHF 41'560	CHF 48'818	CHF 240
2	CHF 7'258	CHF 14'516	CHF 43'181	CHF 57'980	CHF 544
3	CHF 7'258	CHF 21'774	CHF 44'865	CHF 67'499	CHF 916
4	CHF 7'258	CHF 29'032	CHF 46'615	CHF 77'390	CHF 1'362
5	CHF 7'258	CHF 36'290	CHF 48'433	CHF 87'666	CHF 1'888
6	CHF 7'258	CHF 43'548	CHF 50'321	CHF 98'343	CHF 2'499
7	CHF 7'258	CHF 50'806	CHF 52'284	CHF 109'436	CHF 3'201
8	CHF 7'258	CHF 58'064	CHF 54'323	CHF 120'962	CHF 4'002
9	CHF 7'258	CHF 65'322	CHF 56'442	CHF 132'938	CHF 4'908
10	CHF 7'258	CHF 72'580	CHF 58'643	CHF 145'380	CHF 5'926
11	CHF 7'258	CHF 79'838	CHF 60'930	CHF 158'308	CHF 7'065
12	CHF 7'258	CHF 87'096	CHF 63'306	CHF 171'740	CHF 8'333
13	CHF 7'258	CHF 94'354	CHF 65'775	CHF 185'696	CHF 9'739
14	CHF 7'258	CHF 101'612	CHF 68'340	CHF 200'196	CHF 11'291
15	CHF 7'258	CHF 108'870	CHF 71'006	CHF 215'262	CHF 13'000
16	CHF 7'258	CHF 116'128	CHF 73'775	CHF 230'915	CHF 14'877
17	CHF 7'258	CHF 123'386	CHF 76'652	CHF 247'179	CHF 16'932
18	CHF 7'258	CHF 130'644	CHF 79'642	CHF 264'077	CHF 19'177
19	CHF 7'258	CHF 137'902	CHF 82'748	CHF 281'634	CHF 21'624
20	CHF 7'258	CHF 145'160	CHF 85'975	CHF 299'875	CHF 24'287
21	CHF 7'258	CHF 152'418	CHF 89'328	CHF 318'828	CHF 27'179
22	CHF 7'258	CHF 159'676	CHF 92'812	CHF 338'521	CHF 30'315
23	CHF 7'258	CHF 166'934	CHF 96'431	CHF 358'981	CHF 33'711
24	CHF 7'258	CHF 174'192	CHF 100'192	CHF 380'239	CHF 37'381
25	CHF 7'258	CHF 181'450	CHF 104'100	CHF 402'327	CHF 41'345

The two Swiss Pillar 3a limits

For 2026, an employed person affiliated with a pension fund can contribute up to CHF 7,258. A person without a pension fund can contribute up to 20% of net earned income, capped at CHF 36,288.

The permitted payment is also the maximum deduction. Amounts already paid during the year reduce the remaining room shown here.

Why the tax rate is an input

Federal, cantonal and municipal taxes determine the value of a Pillar 3a deduction. Household circumstances and location matter, so a fixed nationwide tax-saving percentage would be misleading.

Use a marginal tax rate from an official cantonal calculation or your tax adviser. The estimate multiplies only the deductible contribution by that entered rate.

Withdrawal tax is deliberately excluded

Pillar 3a withdrawals are taxed separately and the amount depends on canton and the size and timing of withdrawals. The page projects the account value but does not present that gross value as spendable after-tax cash.

Frequently asked questions

What is the maximum Pillar 3a contribution for 2026?

The official 2026 maximum is CHF 7,258 for people affiliated with a pension fund. People without a pension fund can contribute 20% of net earned income, up to CHF 36,288.

Can I deduct the entire Pillar 3a contribution?

Contributions within your applicable annual limit are generally deductible. Your personal tax value depends on federal, cantonal and municipal rules and your circumstances.

Does the calculator include Pillar 3a withdrawal tax?

No. Withdrawal tax is canton-dependent and separately assessed. The projection is a gross account value before withdrawal tax.

Can cross-border workers use Pillar 3a?

Swiss official guidance notes that some people living abroad but working in Switzerland can participate, but deduction eligibility can depend on residence, quasi-resident status and canton. Confirm your own position.

Primary references checked 1 August 2026:

Educational estimate using editable assumptions. Tax position, eligibility, investment performance and withdrawal treatment depend on personal circumstances. Not financial, investment, tax or legal advice.