Calculate your tax saving and your retirement capital in 2 minutes with our simulator. Free, no commitment.
Personalised simulation
Answer a few quick questions to see your estimated annual tax saving and the capital you could build by retirement. Your answers stay private and you are under no obligation.
“Informed decisions to build what really matters.”
Your answers stay private and you are under no obligation.
A few questions to personalise your result.
This is your annual income before tax and deductions. An estimate is sufficient.
These details refine your tax rate.
In CHF per month. Automatically capped at the maximum deductible.
Sets your return range (low, medium, high).
Edit your details directly: the results recalculate in real time.
Your personalised results
These figures remain theoretical until your solution is in place. An independent adviser will present, free of charge, the most advantageous offer for your profile.
Your request could not be sent. Please try again or contact us on +41 22 559 86 84.
Your simulation gives an estimate. We compare the market and show you the best offer for your exact profile (real return, guarantees, fees) free of charge during the call back.
In many cases the 1st and 2nd pillars cover only about 40% of your final salary, a drop of up to 60%. The 3rd pillar closes that gap, and it is the most accessible tax lever available.
Without a 3rd pillar, your standard of living drops mechanically at retirement.
A large share of working people are unaware of the real tax saving the 3rd pillar offers.
The earlier you start, the more your capital grows over the years.
In retirement, the state pension and your pension fund together aim to cover about 60 % of your final salary, often less for higher incomes. That leaves a gap of roughly 40 % which the 3e pillar is designed to close.
Pillar 3a maximises the tax benefit, 3b maximises flexibility. Here is the essential, side by side.
Full guide: 3a or 3b, which to choose? →
The 3rd pillar is more than retirement savings: it is a tax, wealth and protection tool.
Every contribution is deductible from your taxable income. The saving is immediate, from your next tax return.
You build capital that tops up the 1st and 2nd pillars, as a pension, a lump sum, or both.
Depending on the solution, the 3rd pillar covers death and incapacity for work: security for your family.
A clear process, from the first figure to signature.
Tax saving and capital projection, in 2 minutes.
An adviser contacts you, free and with no commitment.
We put the main Swiss insurers in competition.
You choose the solution that suits you, with full clarity.
Our simulator compares the offers of the main Swiss 3rd pillar institutions.
Tailored to your situation, the 3rd pillar combines a tax benefit with long-term capital growth.
Starting at 30 rather than 40 can mean nearly CHF 80,000 more at retirement.
Every franc paid in is deducted from taxable income, up to CHF 7,258 per year.
The 3rd pillar can help finance the purchase of your main home, or be pledged as security.
Taxed at source in Switzerland, you can, under certain conditions, deduct your 3rd pillar contributions from your taxes. A good way to prepare for the future while lowering your tax bill. See the cross-border guide →
Protecting what matters
Depending on the solution chosen, the 3e pillar covers death and incapacity for work. Your family keeps its standard of living, whatever happens.
Clear advice, human and transparent support.
“I have been a client for 6 years and I am very satisfied. Always available and transparent. I strongly recommend them.”
“A client for 4 years, completely satisfied. Fast, clear service and always attentive.”
“Highly recommended! An extremely professional team that really listens and exceeded my expectations. »
“Excellent advisory firm! Very professional, attentive and above all clear in their explanations. They really take the time to understand each situation and to suggest tailored solutions. I recommend them without hesitation.”
“A very good experience with Swiss Premium Insurance. The team is professional, responsive and above all clear in their explanations, which is rare in this field. Genuinely tailored support.”
“I am very satisfied with this insurance. The adviser is truly professional and attentive. He takes the time to understand my needs, to explain everything clearly and to find the solution that suits me best.”
“Many thanks to Mr Mansof Harizi. He took the time to explain everything in detail, guided me through the process with great care and kindness. A trusted adviser.” »
“Very satisfied with the service. Swiss Premium Insurance offers clear and effective support. Many thanks to Faycal, an excellent adviser: professional, available and always ready to help.”
“An excellent adviser, very professional and above all able to put clients at ease from the very first conversation. Thank you for listening and for your valuable advice.”
Our guides to understand, compare and decide, based on your situation and your canton.
Get your personalised comparison and your tax saving calculation. One of our advisers calls you back within 24 working hours.
Free, no commitment. Your data is never passed on to third parties.
Thank you, an adviser will call you back within 24 working hours.
Place Cornavin 14, 1201 Geneva · Mon–Thu 9am–12pm / 2pm–5pm
We use cookies to give you the best possible experience on our site.