AHV Early / Late Retirement Calculator
Compare drawing your AHV pension early or deferring it.
- Change vs. reference pension
- 10.80 %
- Annual difference
- CHF 2'981
- Break-even after (years in retirement)
- 18.5 years
Learn more
AHV: How Your State Pension Is Calculated
Contribution years, average income, the scale 44, early and late retirement and the 13th pension.
📈 7 min readEarly Retirement (FIRE) in Switzerland
High salaries make FIRE realistic, but pensions, health insurance and tax need careful planning.
🏔️ 5 min readAHV Contribution Gaps: How to Find and Close Them
Why missing years reduce your pension, how to check your account and when you can still pay back.
More calculators: Retirement & Pensions
Pillar 3a Contribution & Tax Saving
Your maximum 3a contribution and the tax you save by paying it in.
🏔️ Retirement & PensionsPillar 3a Growth Projection
Project your 3a capital with regular annual contributions.
🏔️ Retirement & Pensions3a Account vs. Taxable Investing
Compare locking money in pillar 3a against investing the same net amount freely.
🏔️ Retirement & Pensions3a Staggered Withdrawal Savings
See how splitting 3a accounts over several years lowers the capital withdrawal tax.
🏔️ Retirement & PensionsPension Fund Buy-In Tax Benefit
Voluntary purchases into your pension fund are tax-deductible.
🏔️ Retirement & PensionsPension Fund Conversion Rate
Turn your retirement capital into an annual pension using the conversion rate.