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Use our 3a tax calculator to work out the tax savings offered by a 3a pension account.
Dependent children under the age of 18
0K
500K
max. 6'883
Pay in the maximum amount and benefit from a tax saving of up to CHF 2,000 each year.
When the third pillar is paid out, tax is payable on the lump sum. In some cases, you can reduce this tax considerably if you stagger your withdrawals. It is therefore worth opening several 3a accounts and withdrawing the money in different years. In other words, you close the accounts over a period of a few years.
The interest rates on traditional 3a bank accounts have dropped to almost 0.00%. What's more, inflation reduces the value of your 3a savings over time. If you want to counteract inflation and achieve a return, we recommend investing your annual contributions and any existing 3a savings in an investment fund.
You may withdraw your retirement savings no earlier than 5 years before and no later than 5 years after statutory retirement age. Earlier payouts are possible but only in certain situations.
Anyone with an income subject to social insurance contributions (from CHF 2,300 per year) may pay into the third pillar.
The tax on the amount paid out follows a progressive structure and is independent of your taxable income. For this reason, it's worth withdrawing smaller amounts (by closing different accounts) over several years. This tax varies from canton to canton and is on average approximately 25% of the tax saved.
The potential savings vary significantly depending on your taxable income, marital status and place of residence, but can soon add up to between CHF 1,000 and CHF 2,000. You can use the tax calculator above to work out how much you could save.
Enter your contributions in the "Deductions" section under "Contributions to recognized forms of restricted private pension provision (pillar 3a)".