AHV 21 entered into force in 2024 and gradually raises the Swiss AHV reference age for women born after 1960 to 65. The steps are 64 years 3 months for 1961, 64 years 6 months for 1962, 64 years 9 months for 1963 and 65 for 1964 onward. Federal Social Insurance Office sets out the schedule and the special supplement or reduced early-claim deductions for the 1961–69 transitional generation.
Flexible timing has a transitional exception
AHV 21 generally allows a pension to be taken between ages 63 and 70, wholly or in a permitted partial share. Women in the transitional birth cohorts can begin from age 62 under special rules. Early claiming generally reduces the pension, and delaying can add a supplement of up to 31.5%, subject to precise months and applicable schedule. Do not apply a generic 6.8% annual early reduction to every transitional woman; their reductions can be more favourable and income-dependent.
The 2026 maximum is CHF 2,520
The BSV current 2026 figure is CHF 2,520 for a full individual maximum before any early or delayed timing adjustment. Actual entitlement depends on contribution record and average annual income, not simply age.
13th AHV is a separate reform
The 13th old-age pension starts with a December 2026 payment after a separate 2024 referendum, not as a feature of AHV 21 itself. AHV/IV's 2026 guidance defines that payment as one-twelfth of the AHV old-age pensions actually paid during the calendar year, for a person entitled in December. Eva, receiving CHF 2,520 for all twelve months would get CHF 2,520 extra. If their pension only started midyear with six CHF 2,520 monthly payments, the illustrative extra is CHF 1,260; it is not automatically a full regular month for every first-year recipient.
