3rd pillar in Geneva & cross-border workers: free simulator & comparison
3rd pillar info

Save up to CHF 2,000
in taxes every year
with your 3rd pillar.

Calculate your tax savings and retirement capital in 2 minutes with our simulator. Free, no obligation.

✓ Personalised simulation in 2 minutes
✓ Swiss residents and cross-border workers
✓ Independent advice, free, no obligation
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Free · 2 min

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A few questions to personalise your result.

1. Do you already have a 3rd pillar?
🔒 No sign-up · Your data stays confidential
7 258 CHFdeductible in 2026 (employee)
100 %free and no obligation
2 minfor your simulation
Excellent4.8 out of 5 · 123 Google reviews
up to −60%

In retirement, your income is often only a fraction of your final salary.

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.

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The good news: every franc paid into your 3rd pillar reduces your taxable income.
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The income gap

Without a 3rd pillar, your standard of living inevitably drops in retirement.

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Overpaid tax

A large share of working people are unaware of the real tax savings the 3rd pillar offers.

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Time working for you

The earlier you start, the more your capital grows over the years.

Why open a 3rd pillar

Three good reasons to act now

The 3rd pillar isn't just retirement savings: it's a tool for tax, wealth-building, and protection.

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You pay less tax

Every contribution is deductible from your taxable income. The saving is immediate, from your very next tax return.

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You prepare for retirement

You build up capital that tops up the 1st and 2nd pillars — as a pension, as a lump sum, or both.

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You protect yourself and your loved ones

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.

Estimated tax savings / year
1 700 CHF
i.e. ≈ CHF 51,000 in tax saved by retirement
Financial return / year
26 %
recovered in the very first year on every franc paid
For reference, the Swiss SMI stock index rose by around +11% over 2025.
Target capital at 65
554 000 CHF
range: CHF 276,000 – 554,000
Projection of your capital (returns)
Target scenario (upper range) based on your profile, bounded by the low and medium ranges according to market rates. Hover over the chart to see the capital every 3 years.
Target return: 5.0%/yr
Total paid in Target scenario Low–high range
Low range
≈ 2.0%/yr
276 000
Medium range
≈ 3.5%/yr
387 000
Target scenario
≈ 5.0%/yr
554 000
Annual 3rd pillar contributionCHF 7,258
Estimated marginal tax rate≈ 23%
Annual tax saving≈ CHF 1,700
Total paid in by age 65≈ CHF 217,740
Target capital + tax saved≈ CHF 605,000
⚠️ Indicative estimates. Your actual marginal rate depends on your canton, family situation, and deductions; returns are not guaranteed (apart from capital guaranteed by an insurance contract), net of fees of ~0.8%/yr. One of our advisers will prepare your exact calculation, with no obligation.
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Last step. Receive your detailed analysis and your exact calculation. One of our advisers will call you back within 24 business hours, free of charge and with no obligation.

🔒 By submitting this form, you agree to be contacted by one of our advisers.

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Thank you! Your request has been received. One of our advisers will call you back within 24 business hours.
How it works

From your simulation to your contract, in 4 steps

A clear, straightforward process.

1

You start your simulation

Tax savings and capital projection in 2 minutes.

2

We call you back

One of our advisers gets in touch, free of charge.

3

We compare the market

We compare the offers of the main insurers on the market.

4

You decide

You choose the right solution, with full clarity.

Independence

We compare the whole market for you

Our simulator compares the offers of the main Swiss 3rd pillar institutions.

Generali
Baloise
Liechtenstein Life
Groupe Mutuel
+ other institutions
Why now?

Your first years of saving count double

Optimised for your situation, the 3rd pillar combines a tax advantage with long-term capital building.

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The right timing

Start early, gain more

Starting at 30 rather than 40 can mean nearly CHF 80,000 more at retirement.

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Tax savings

Cut your taxes from 2026

Every franc paid in is deducted from taxable income, up to CHF 7,258 per year.

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Buying property

Prepare your down payment

The 3rd pillar can help you finance the purchase of your primary residence or be used as a pledge.

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Cross-border workers

An often-overlooked lever

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 →

They trusted us

What our clients say

Clear advice, with genuine, transparent support.

★★★★★

"I have been a client for 6 years and I am very satisfied. Always available and transparent — I highly recommend."

JÇ
Jakup ÇmegaClient for 6 years
Google
★★★★★

"A client for 4 years, completely satisfied. Fast, clear service and always attentive."

PS
Paul SordilloClient for 4 years
Google
★★★★★

"I strongly recommend! A highly professional, very attentive team that exceeded my expectations."

RE
Roger EncinasGoogle review
Google
★★★★★

"Excellent advisory firm! Very professional, attentive, and above all clear in their explanations. They really take the time to understand your situation before proposing tailored solutions, without any hard sell. Thanks to them, I finally have insurance cover that matches my needs exactly, with great value for money. Impeccable service, responsive and personable follow-up — I recommend without hesitation."

ND
Nadim DaheurGoogle review
Google
★★★★★

"A very good experience with Swiss Premium Insurance. The team is professional, responsive, and above all clear in their explanations, which is rare in the insurance world. The solutions offered fit the client's actual situation, with no needless pressure. Thorough support from start to finish. I recommend without hesitation."

LA
Leonit ArifiGoogle review
Google
★★★★★

"I am very satisfied with this insurance. The adviser is truly professional and attentive. He takes the time to understand my needs, explain every point clearly, and answer all my questions without rushing me. Thanks to him, I was able to choose the best solution for my situation. I highly recommend it for the quality of service and thorough follow-up!"

MC
Mathilde CazzolaGoogle review
Google
★★★★★

"A big thank you to Mr Mansof Harizi. He took the time to explain everything in detail and guided me through the process with great care and diligence. Thanks to him, I left my appointment reassured. A truly dedicated and attentive person. Thank you 😊"

IB
Imen BessameGoogle review
Google
★★★★★

"Very satisfied with the service. Swiss Premium Insurance offers clear, effective support. A big thank you to Faycal, an excellent adviser: professional, attentive, and always available to answer questions. I highly recommend!"

YR
Yissela Roca MosqueiraGoogle review
Google
★★★★★

"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!"

RB
Rayan Ben MabroukGoogle review
Google
★ Read the 123 reviews on Google
We answer your questions

Everything about the 3rd pillar

Pillar 3a: up to CHF 7,258/year if you are an employee affiliated with a pension fund; up to CHF 36,288 (20% of income) for a self-employed person not affiliated with a pension fund.

Pillar 3b: no federal cap, but a deduction is only possible in the cantons of Geneva and Fribourg. In Geneva, up to CHF 2,324/year, or up to CHF 4,434/year if you have neither a 2nd pillar nor a 3a. In Fribourg, up to CHF 750/year for a single person, or CHF 1,500/year for a married couple.
Pillar 3a: it is tied to your occupational pension (LPP). It is capped at CHF 7,258/year for employees affiliated with a pension fund; for self-employed people not affiliated with a pension fund, the limit is 20% of income, up to a maximum of CHF 36,288. It offers a tax advantage: contributions are deductible from income and the capital is exempt from wealth tax. However, it is taxed on withdrawal (at a reduced rate).

Pillar 3b: it is more flexible: it has no contribution limit, but is tax-deductible only in Geneva and Fribourg. The capital is not taxed on withdrawal, but it is subject to wealth tax throughout the term of the contract.
It depends on your status. If you are taxed at source in Switzerland with quasi-resident status (≥ 90% of income earned in Switzerland), the 3rd pillar can reduce your tax bill through subsequent ordinary taxation. We assess your eligibility free of charge.
Pillar 3a: it can be withdrawn at retirement or, at the earliest, 5 years before the statutory retirement age (i.e. from age 60). It can also be released early in certain cases: purchase of a primary residence, permanent departure from Switzerland, starting a self-employed activity, or disability. If you keep working past age 65, you can defer the withdrawal by up to 5 years.

Pillar 3b: it is available at any time, with no conditions.
Pillar 3a: the capital is locked in until age 60, with some exceptions: financing your primary residence (down payment, renovation, or mortgage repayment), moving abroad, becoming self-employed, disability, or death.

Pillar 3b: no lock-in. You can withdraw at any time, with no conditions.
Yes, subject to the conditions set out in your contract. It is often possible to increase, decrease, or temporarily suspend your contributions, particularly if your personal situation changes — for example unemployment, divorce, or a drop in income.

Ready to take action?

Receive your personalised comparison and the calculation of your tax savings. One of our advisers will call you back within 24 business hours.

✓ 100% free and no obligation
✓ Up to CHF 2,000 in tax saved per year
✓ Swiss residents and cross-border workers
✓ 100% independent advice

Start your simulation

Tax savings + capital projection in 2 minutes, then an adviser calls you back.

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📞 +41 (0)22 559 86 84

Place Cornavin 14, 1201 Geneva · Mon–Thu 9am–12pm / 2pm–5pm

📞 +41 22 559 86 84 ✉️ contact@3emepilier-infos.ch 💬 WhatsApp