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Switzerland Financial Suite

Pillar 3a contributions and the new retroactive buy-ins, the 13th AHV payment landing in December 2026, and Swiss multi-tier tax planning, without the spreadsheet.

Retirement

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Model Pillar 3a savings at the CHF 7,258 limit, the new retroactive buy-in rules from 2026, and your 13th AHV payment.

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Pillar 3a Retroactive Buy-In Calculator

Calculate your tax savings and pension growth under Switzerland's new 2026 rule allowing retroactive buy-ins for missed Pillar 3a contributions.

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13th AHV Pension Calculator

Estimate your December 2026 13th AHV/OASI pension windfall payout, single vs. couple caps, and Scale 44 contribution rate.

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Compare investments, retirement accounts, tax regimes, insurance types, and mortgages side-by-side with interactive calculators and real-time projections.

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Switzerland Finance Terms

Explore localized financial terms, definitions, and concepts specific to Switzerland. Search and understand key finance vocabulary for better planning.

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Swiss pensions and taxes in 2026: the moving parts

ESTV federal schedules, cantonal multipliers, and the three-pillar pension rules come together here, including 2026's two big changes: 3a buy-ins and the 13th AHV payment.

Pillar 3a deduction and buy-in mechanics

A 3a contribution reduces taxable income in the year it is paid, with the tax saved depending on your marginal rate, highest for high earners in high-tax cantons. The 2026 buy-in regime adds a second lever: gaps from 2025 onward can be filled retroactively, each within the CHF 7,258 cap and only after the current year is fully paid. Withdrawals are taxed separately from income at reduced rates, and staggering accounts across years remains the standard exit optimization.

AHV entitlements and the 13th payment

The AHV pension scales with contribution years (44 for a full pension; each missing year costs about 2.3%) and average income, between CHF 1,260 and CHF 2,520 monthly for singles. The 13th payment mirrors your December pension exactly, so every scaling rule flows through: half-scale pensioners get half. Married couples remain capped at 150% of the single maximum across both regular and 13th payments.

Multi-tier taxes and mortgage affordability

Total income tax = federal tariff + (cantonal base × cantonal multiplier) + (cantonal base × communal multiplier), which the tax tools resolve for your inputs. On housing, banks require 20% down (at least half outside Pillar 2) and test affordability at a 5% imputed rate plus 1% maintenance against a third of gross income, with the mortgage amortized to two-thirds of the property value within 15 years.

Research-Backed ToolsBuilt by Galvin Mendonca, Finance Researcher
All figures from primary government sources. Last updated July 2026.

Frequently asked questions about Switzerland finance

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