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Our simulator compares the offers of the main Swiss 3rd pillar institutions.
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In many cases, the 1st and 2nd pillars only cover about 40% of your final salary — a drop of up to 60%. The 3rd pillar bridges this gap, and it is the most accessible tax lever available.
Without a 3rd pillar, your standard of living inevitably drops in retirement.
A large share of working people are unaware of the real tax savings the 3rd pillar offers.
The earlier you start, the more your capital grows over the years.
At retirement, the AVS and your pension fund together aim to cover about 60% of your last salary — often less for higher earners. That leaves a gap of roughly 40% that the 3rd pillar is designed to fill.
The 3rd pillar isn't just retirement savings: it's a tool for tax, wealth-building, and protection.
Every contribution is deductible from your taxable income. The saving is immediate, from your very next tax return.
You build up capital that tops up the 1st and 2nd pillars — as a pension, as a lump sum, or both.
Depending on the solution, the 3rd pillar covers death and incapacity to work: security for your family.
Dependent children affect your tax rate.
Cap for 2026: CHF 7,258/year for an employee affiliated with a pension fund.
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Tax savings and capital projection in 2 minutes.
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We compare the offers of the main insurers on the market.
You choose the right solution, with full clarity.
Our simulator compares the offers of the main Swiss 3rd pillar institutions.
Optimised for your situation, the 3rd pillar combines a tax advantage with long-term capital building.
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 you finance the purchase of your primary residence or be used as a pledge.
Taxed at source in Switzerland, you can, under certain conditions, deduct your 3rd pillar contributions from your taxes. A good way to prepare a future property purchase or a return to France. See the cross-border guide →
Clear advice, with genuine, transparent support.
The 3a maximises the tax advantage, the 3b flexibility. Here is the essential, side by side.
| Criterion | Pillar 3a (tied) | Pillar 3b (free) |
|---|---|---|
| Contribution ceiling | CHF 7,258/yr (employee) CHF 36,288 (self-employed) | No ceiling |
| Tax deduction | Yes, across Switzerland | Geneva and Fribourg only |
| Capital availability | Locked until ~5 years before retirement | Available at any time |
| Wealth tax | Exempt during the contract | Subject each year |
| Taxation on withdrawal | Reduced one-off tax | No tax on withdrawal |
Our guides to understand, compare and decide — for your situation and your canton.
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