Swiss pensions and retirement, explained
A plain-language reference for Swiss retirement: how AHV, your pension fund and Pillar 3a work together, what tax a capital withdrawal triggers in your canton, and what retiring early actually costs. Written for Switzerland, with the official source named in every guide.
Free during the public beta, no card required. Live in 12 cantons, with more rolling out through 2026.
The three pillars
How AHV, your pension fund and Pillar 3a fit together, and what each one will actually pay you.
Tax on withdrawals
What you pay when capital leaves your pension fund or a 3a account, and why the canton you live in changes the bill.
Retiring early
What leaving before the reference age costs, and how to fund the years before your AHV starts.
The big decisions
The choices you make once and cannot undo: pension or lump sum, whether to buy in, and in what order to draw.
Life situations
Self-employment, cross-border work, leaving Switzerland, and what happens to a partner’s provision.
Later-life costs
Care, nursing-home fees and the health costs that arrive late in a plan.
Free during the public beta, no card required. Live in 12 cantons, with more rolling out through 2026.
Designing your financial future shouldn't feel like guesswork.
Live in ZH, BS, BL, AG, LU, SO, SZ, ZG, BE, SG, TG, and GR. More cantons rolling out through 2026.