3rd pillar in Lausanne

Lausanne, capital of the canton of Vaud

As Lausanne is in the canton of Vaud, your 3rd pillar there follows Vaud rules. In practice, that means a fully deductible pillar 3a, but no 3b deduction (reserved for Geneva and Fribourg). For the full cantonal framework, see our page on the 3rd pillar in the canton of Vaud.

Pillar 3a in Lausanne

Every franc paid into your 3a reduces your taxable income at federal, cantonal (Vaud) and municipal (Lausanne) level, up to CHF 7,258 for an employee in 2026 (up to CHF 36,288 for a self-employed person with no 2nd pillar). The capital escapes wealth tax for the life of the contract.

Tax saving by municipality

The amount saved depends on your marginal rate, itself influenced by the municipal coefficient. Someone domiciled in Lausanne won't have exactly the same saving as a resident of a neighbouring municipality with a different coefficient. Paying at the ceiling, the annual tax saving frequently reaches several hundred to over a thousand francs.

Withdrawing the 3a in Lausanne

The capital can be withdrawn at the earliest 5 years before retirement age, or early to buy your main home, leave Switzerland, become self-employed or on disability. Taxation follows the Vaud scale on capital benefits, separate from your other income. Spreading withdrawals over several years reduces the bill — see several 3rd pillars.

Where to sign up in Lausanne?

Banks, insurers and 3a apps all offer contracts accessible from Lausanne. Rather than limiting yourself to your usual bank, compare offers on fees, return and cover. As an independent broker, we compare for you and support you free of charge.