Calculator
Retirement Planner
Establish savings milestones to cover your post-retirement life expenses.
Try it nowCalculate your tax savings and pension growth under Switzerland's new 2026 rule allowing retroactive buy-ins for missed Pillar 3a contributions.
How to Use This Tool:
- Select your employment status (Salaried with Pillar 2 or Self-employed without Pillar 2).
- Enter your annual taxable income and marginal tax rate.
- Specify the number of gap years to close (since 2025).
- Enter expected investment returns to see compounded projections.
- Review total tax saved and projected future catch-up pension value.
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Important Financial Calculation Disclaimer & Sources
Scope & Estimative Nature:
- Assumes tax rates remain constant over the buy-in period.
- Compounded returns are projections and not guaranteed.
- Subject to OASI/AHV income eligibility in both gap and purchase years.
Official Data Sources:
- https://www.bsv.admin.ch
- https://www.estv.admin.ch
Methodology:
- Inputs are normalized into numeric values in the browser.
- The matching FinanceUp calculation engine runs standard formulas for the selected tool.
- Results are formatted using Switzerland currency, locale, and available country rules.
- Charts, tables, and result cards are derived from the same calculation output to keep the page internally consistent.
All calculations are estimates. Tax rates, retirement regulations, and investment fees change over time. Please verify critical values with an official professional advisor or reference the official publications cited above before taking action.
Guide & How-To
AI Overview
To calculate pillar 3a retroactive buy-in calculator in Switzerland (2026): Calculate your tax savings and pension growth under Switzerland's new 2026 rule allowing retroactive buy-ins for missed Pillar 3a contributions. The calculation is performed by applying the latest local rules, standard deductions, brackets, or compounding terms to your inputs to provide an instant, accurate estimate.
What is the new Swiss Pillar 3a Retroactive Buy-in Rule?
Effective from the 2026 tax year, Swiss residents can retroactively pay missing contributions into their Pillar 3a account to close past gaps. Gaps can be closed up to 10 years back, but only for years from January 1, 2025, onwards. Gaps arising before 2025 cannot be filled retroactively under the new legislation.
Eligibility and Limitations on Retroactive Catch-up Contributions?
To make retroactive buy-ins, you must: (1) fully pay the maximum regular Pillar 3a contribution for the current tax year first, (2) have earned income subject to OASI/AHV both in the year the gap occurred and in the year the buy-in is made, and (3) limit the total retroactive buy-in amount in a single year to the current annual maximum cap (e.g. CHF 7,258 in 2026).