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Sophie

Pillar 3a retirement saving 2026

Pillar 3a is fully deductible from your taxable income. Tell us your situation — Sophie works out what you may pay in and what the deduction is worth.

Your situation
In CHF. You may pay in less than the cap — the deduction follows what you actually pay.

Why we do not rank 3a products here

For LAMal premiums the federal government publishes every tariff, and we show them unchanged. For pillar 3a no such register exists — returns, guarantees and fees are not published in any official format. We will not invent a ranking out of nothing. Our FINMA-registered partner broker produces the analysis, contract by contract.

Want the figures worked out?

Leave your email: our FINMA-registered partner broker compares the 3a contracts on the market for your profile and sends you the analysis as a PDF. The calculation above stays visible without giving anything.

Pillar 3a — restricted saving

Locked until five years before retirement age, except to buy a home, leave Switzerland or become self-employed. In return the whole contribution is deductible, within the limits above.

Pillar 3b — free saving

Available whenever you want, with no contribution cap. Deductibility, on the other hand, is limited and varies from canton to canton.

2026 caps published by the Federal Tax Administration. Check on admin.ch — Publisher: JA Technology