Pillar 3a tax calculator
Work out how much tax you save with a Pillar 3a contribution, based on your taxable income, canton and marital status.
Your salary before deductions (employment contract or salary statement, box 1). We work out the rest automatically: social insurance, pension fund and deductions.
Estimated automatically. For a more accurate result, enter the actual amount from your salary statement.
Single also covers divorced, widowed and separated. Married also covers registered partnerships.
Only children in your household under 18, or under 25 if in education.
Pillar 3a catch-up contribution 2025▾
Possible if you’ve already paid in the maximum contribution for 2026. A one-off payment to fill the gap.
Estimated tax savings per year
CHF 1,643
- Tax without Pillar 3a
- CHF 10,917
- Tax with Pillar 3a
- CHF 9,274
- Marginal tax rate
- 24.8%
How was your taxable income calculated?
- OASI/DI/EO + ALV + NBU
- − CHF 6,120
- Pension fund contribution (employee share)
- − CHF 0
- Net salary
- CHF 83,880
- Taxable income (federal)
- CHF 79,564
- Taxable income (cantonal)
- CHF 77,564
Flat-rate deductions are already included. Individual additional deductions (such as travel costs) are not.
Tax burden compared
With 3a
CHF 9,275
Federal CHF 1,037 · Canton + municipality CHF 8,238
Aarau (Aargau), tax coefficient 199.0%. Estimate without church tax or additional deductions. Source: Federal Tax Administration (FTA) tax data 2026 and cantonal tax sheet AG. This is not tax advice.
Pillar 3a savings forecast until retirement
For comparison: stock markets (e.g. MSCI World) have historically returned around 5–7% per year, with no guarantee. The savings account is assumed to pay 0.25% interest.
Savings at age 65 (invested)
CHF 506,324
Tax savings from contributions until age 65
CHF 49,285
Assumes your contributions, income and return/interest stay the same until age 65. This is an estimate, not investment or tax advice.
Tax on your withdrawal at age 65
Lump-sum withdrawals from Pillar 3a and your pension fund are taxed separately from your other income, at a one-off, much reduced rate set by the federal government, Aargau and Aarau.
Pay less tax by staggering your withdrawals
Pension fund money is typically withdrawn at 65. If you also withdrew all your Pillar 3a accounts at 65, they would be added to the pension fund payout for that year, pushing you into a higher tax bracket. It therefore makes sense to stagger your Pillar 3a accounts across the years 60, 61, 62, 63 and 64 (one account per year), so that the pension fund withdrawal at 65 is taxed separately.If you split your savings across several Pillar 3a accounts and withdraw them in different years, you pay less tax. The earliest withdrawal is at age 60 (5 years before retirement).
Our recommendation: when to open the next account?
You keep paying into the most recently opened account. As soon as this one account reaches the amount shown below, you open the next one. The full account then keeps growing at the return selected above, without further contributions, until its own withdrawal year. Guide values for Aargau/Aarau, assuming accounts of roughly equal size AT WITHDRAWAL.
- Account 1: from age 45 and CHF 95,855 in this account → open account 2.+ CHF 12,199 at withdrawal
Estimate: growth of a full account until its withdrawal is based on the return selected above, and withdrawal years are assumed to be fixed. This is not tax advice. Talk to your tax office or a specialist before withdrawing.
All calculations run only in your browser. Your details are neither transmitted nor stored. The results are non-binding estimates and do not replace personal tax or financial advice.