Retirement
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- Planning need: 70% of gross income
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- Illustrative annual gap
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Modelled coverage
Rough OASI/DI model pension: –
Rough pension fund model pension: –
Possible contribution from available assets: –
Pensions and protection
How large is your pension gap?
Good planning protects your standard of living in retirement and those close to you in case of disability or death. Five inputs show where a personal review matters most.
Pensions and protection
Your protection needs: an initial estimate
The calculator uses simplified planning assumptions. To determine actual pensions, we need your OASI record, pension fund statement, family details and insurance policies.
Complete all five fields. Current age must be 18–75, retirement age 55–75 and no earlier than current age. Working years cannot exceed time since age 18, up to 44 years.
Disability
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- Planning need: 80% of gross income
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- Illustrative annual gap
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Modelled coverage
Rough OASI/DI model pension: –
Rough pension fund model pension: –
The disability model applies before reference age 65. After that, retirement benefits should be reviewed.
In case of death: what remains for your loved ones?
Estimated ongoing survivor benefits per month
–- Per year (12 payments)
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- OASI/AHV component
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- Mandatory pension fund component
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Is that enough for your family?
Housing costs, everyday life and your loved ones’ future still need financial security. We review your actual benefits and how to strengthen protection for your family.
Review my family’s protectionOrientation for death before age 65. OASI and mandatory occupational pensions are modelled from current pay, Swiss working years and the selected family circumstances. Fund rules, contribution records and beneficiaries determine actual entitlement. Benefits for unmarried partners, existing policies and accidents are excluded. A potential pension-fund lump sum is not counted as ongoing income.
These figures provide an initial orientation. Disability assumes full permanent disability due to illness before reference age 65 and current employment covered by occupational pensions. DI and mandatory pension-fund benefits are estimated together; your statements and insurance periods may show different benefits. Accident and extra-mandatory benefits are omitted. Complete the family circumstances for the survivor estimate; actual entitlements are reviewed in the personal protection analysis.
Calculation assumptions and limits
Current gross salary serves as a proxy for the relevant average OASI/DI income. DI uses twelve payments and an approximate contribution factor: Swiss working years divided by age minus 20, capped at 100%. No DI benefit is included below three Swiss years; overseas periods and special rules require review. The pension-fund disability estimate uses approximated existing mandatory capital plus future retirement credits to 65 without interest, converted at 6.8%. Historical wages, interest and extra-mandatory benefits are unknown. Retirement assumes 13 OASI payments, 1.25% pension-fund interest, an illustrative 5% conversion rate, 2% asset growth and 3.5% annual withdrawals.
Pillar 3a
Plan the tax effect of pension contributions
Pillar 3a contributions and suitable pension fund purchases may save tax. Whether they suit you depends first on your overall pension position.
The three pillars – what they mean for you
OASI: check contribution years
Moving to Switzerland later or taking a career break may leave missing years. An individual account statement and official pension forecast show what is actually recorded.
Pension fund: understand benefits
Your pension statement shows retirement capital and disability or survivor benefits. Purchases should follow a review of liquidity and life plans.
Pillar 3a: fill the right gaps
The third pillar adds to your plan and may bring tax advantages. Investment horizon, beneficiaries and withdrawal timing also matter.
Pension and protection analysis with clear services
Minimum
CHF 350- Review salary certificates, OASI and pension fund documents
- Analyse the starting position
- Clarify open questions
Standard
CHF 450- Everything in Minimum
- Analyse disability and death gaps from illness and accidents
- Personal discussion
Premium
CHF 750- Everything in Standard
- Retirement protection needs and practical next steps
- Review tax aspects
- Personal discussion of the results
Planning your future across borders?
For relocation into or out of Switzerland, pensions, taxes and protection should be considered together.
Discuss my pension needs
The calculator uses simplified planning assumptions. To determine actual pensions, we need your OASI record, pension fund statement, family details and insurance policies.