You can deduct contributions to pillar 3a from your taxable income up to an annual maximum. This lowers your taxable income and therefore your tax burden. On withdrawal, the capital is taxed separately.
The "Staggering" tab shows staggered withdrawal.
Choose the term, initial deposit, annual savings amount, whether you have a pension fund, the product and the interest rate.
Enter gross income, place of residence, marital status, religious denomination, children, gender and year of birth.
The calculator shows tax savings, deposits, interest or performance, tax on withdrawal and net capital.
Assumptions: 19 years, CHF 7'258 per year, with a pension fund, 3a account with an interest rate of 0.70%, single, no religious denomination, residing in 8000 Zurich, year of birth 1980. Only gross income changes. The figures come from the calculator above. The interest rate is assumed and is not a forecast.
Tax savings depend on your income: in the example they range from CHF 1'154 per year (gross income CHF 60'000) to CHF 2'173 per year (CHF 150'000).
The same in all three examples: deposits CHF 137'902, interest and performance CHF 10'071, tax on withdrawal CHF 7'699 and net capital CHF 140'274.
The calculator works with fixed assumptions. In practice, income, tax rates and laws change. More on pillar 3a and on taxation on capital withdrawal.
That depends on income, place of residence and contribution. In the example above it is CHF 1'154 to CHF 2'173 per year with a contribution of CHF 7'258. For your situation, use the calculator.
Yes. You declare contributions to pillar 3a in your tax return so that they are deducted from taxable income. Your provider issues a certificate for this.
What matters is that the contribution is credited to the 3a account in the relevant tax year. Pay in in good time before the end of the year.
On withdrawal, the 3a capital is taxed separately. In the example, the calculator shows CHF 7'699. The amount depends on canton, marital status and capital amount.
We look at your pension provision as a whole and show possible paths, for example with the pension analysis. The first conversation is always free of charge and without obligation.
Our advisors help you put your result into context. The first conversation is always free of charge and without obligation.
These pages help you plan further. You will find all financial calculators in the calculator overview.
The key facts about pillar 3a at a glance.
How pension capital is taxed on withdrawal.
Estimate your tax burden.
Work out your savings goal and compound interest.
Discuss your result in a non-binding conversation. We look forward to it.
As of 05.10.2026. Maximum amounts and tax rates change: the figures of the Federal Social Insurance Office and your cantonal tax administration are authoritative. The calculator provides guide values and does not replace tax law advice. The interest rate in the example is assumed and is not a forecast.