Retirement simulator · 2026

Do you know how much you'll really receive in retirement?

The state pension and the pension fund generally cover only part of the final salary. Estimate in two minutes your income at 65 and the means to close the gap. No contact details are requested before your result is displayed.

★★★★★4.9/5 · 138 Google reviews
Question 1 of 6 · ≈ 2 min

In retirement, what standard of living would you like to maintain?

Anonymous until your result · Free · No commitment
★ 4.9/5138 Google reviews
FINMARegistered independent intermediary
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FreeSimulation and advice, no commitment
The cost of waiting

Every year without a 3rd pillar comes at a cost

up to −60%drop in income at retirement when only the state pension and pension fund pay out.
more than CHF 80,000less capital at 65 if you start your 3rd pillar at 40 rather than 30, paying in CHF 250 a month.
more than CHF 2,000of tax that can be overpaid every year, for lack of a deductible contribution.
Process

Three steps, in full transparency

You answer six questions

Two minutes are sufficient, with no personal data requested before the result.

You see your retirement income

Estimated income, the gap with your standard of living and the potential contribution of a 3rd pillar.

An adviser refines the analysis, at your request

Exact calculation based on your pension fund certificate. The decision remains yours.

They trust us

Client testimonials

★★★★★
Very satisfied with the service. Swiss Premium Insurance offers clear and effective support. Many thanks to Faycal, an excellent adviser: professional, attentive and always available to answer questions. Highly recommended!Yissela Roca MosqueiraGoogle review
★★★★★
I have been a client for 6 years and I am very satisfied. Always available and transparent. I strongly recommend them.Jakup ÇmegaClient for 6 years · 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!Rayan Ben MabroukGoogle review

Reviews translated from French.

Frequently asked questions

Useful information

What is the calculation based on?

On the 2026 state pension and LPP scales, 13th state pension payment included, together with average assumptions: a full career in Switzerland and the mandatory LPP portion. It is a first estimate; your pension fund certificate allows an exact calculation.

Is the simulation free of charge?

Yes. The simulation, the personalised analysis and the comparison are free of charge and without commitment.

Are my contact details required to obtain the result?

No. The estimate is displayed before any contact details are requested. They are only requested if you wish to receive a personalised analysis.

Why use an independent broker?

We are not tied to any insurer. We compare offers from the main Swiss banks and insurance companies in order to present the solution best suited to your situation.

How is my data processed?

It is used exclusively to handle your request and is never passed on to third parties. You may request its deletion at any time.

Two minutes are sufficient

Discover the income you will actually have at 65

The earlier the gap is identified, the simpler and less costly it is to close.

  • Instant estimate, no contact details required
  • Independent adviser, registered with FINMA
  • Comparison of Swiss banks and insurers
Estimate my retirement or call us on +41 22 559 86 84
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