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Your future. With a good plan.
Retirement planning starts with your goals. We discuss with you what is important for today, tomorrow and the people at your side.
Pension calculator
How well are you insured?
Estimate your income in the event of disability, death and after retirement.
Example calculation
Your pension gap
Estimated services and annual requirements, as of 2026.
Largest estimated gap per year
CHF 25'784
Retirement
Specify with the pension fund statement
Calculation basis
This non-binding guidance uses Swiss values from 2026 for employees before the reference age. Today's gross wage serves as a simplified average wage. We assume the full duration of contributions, constant wages and the obligatory pension fund.
We set the requirement as 80% of the gross salary in the event of disability and 90% in the event of death or retirement. For couples, retirement looks at the joint income once both people have retired. The risk cases relate to the selected person.
The retirement benefit includes the 13th AHV pension. The amount of AHV retirement pensions is capped for married couples and registered partnerships. The BVG projection uses 1.25% interest and 6.8% conversion in the mandatory. For estimated risk benefits, we simply calculate coordination at 90% of gross wages.
In the event of death, we estimate a statutory partner pension only for marriages or registered partnerships with dependent children. Contribution gaps, splitting, surcharges, accident insurance, private insurance policies, assets, taxes and individual benefit reductions can change the result. Your pension certificates and the information from the responsible authorities are decisive.
What are you about?
Pillar 3aCalculate your possible tax savings and include pillar 3a in your personal retirement provision.Find out morePlanning retirementOrganize income, expenses and wishes for the time afterwards. Plan the next steps together.Find out moreMortgage & HousingDiscuss new financing or an existing mortgage. Consider housing, stress and retirement provision together.Find out moreAdvance care mandate & living willDiscuss representation and wishes at an early stage. Prepare questions about advance care directives and living wills.Find out moreInheritance planningOrganize your wishes and existing regulations. Record important questions for further estate planning.Find out moreTaxes & pension provisionCombine tax issues with your retirement planning. Consider costs, flexibility and insurance together.Find out more
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