Swiss AHV / AVS Pension Calculator
This calculator estimates your monthly Swiss state pension (AHV / AVS — Alters- und Hinterlassenenversicherung). Enter your current age, planned retirement age, average annual income, contribution years and any gaps to receive a pension estimate, your coverage as a share of final salary, and an honest view of your pension gap. Example: a person retiring at 65 with 44 contribution years and an average income of CHF 90,000 receives the maximum single pension of CHF 2,450/month — about 33 % of their final salary. The recommended replacement rate is 80 %, so most people need pillar 2 and pillar 3 savings to cover the rest. Figures use 2026 published values.
AHV (Alters- und Hinterlassenenversicherung) is Switzerland's mandatory state pension. Every resident and worker contributes and receives a pension upon retirement. This calculator estimates your monthly pension based on contribution history and average income.
AHV covers ~35–40 % of your last salary. The recommended replacement rate is 80 %. Your gap is approximately CHF 3'661/month — consider pillar 2 and pillar 3 savings.
Plan pillar 3 with the Compound Interest Calculator →How to use this calculator
- 01Set your current age and planned retirement age.
- 02Enter your average annual income over your career.
- 03Enter your contribution years and any missing years (e.g. studies, time abroad).
- 04Choose marital status — married couples are capped at 150 % of the max single pension.
- 05Read your estimated pension, coverage % and gap, then plan pillar 3.
- •Minimum AHV pension: CHF 1,225 / month.
- •Maximum single AHV pension: CHF 2,450 / month.
- •Maximum married couple combined: CHF 3,675 / month.
- •Contribution rate: 8.7 % total (employee 4.35 % + employer 4.35 %).
- •Full pension requires 44 contribution years — each missing year cuts ~2.3 %.
Frequently asked questions
What is AHV / AVS?
AHV (German) / AVS (French and Italian) is Switzerland's mandatory first-pillar state pension. Every worker and resident in Switzerland contributes, and receives a monthly pension from retirement age.
What is the retirement age in Switzerland?
65 for men. For women it is rising to 65 (was 64) under AHV21, phased in by 2028. Early retirement is possible from 63 with a permanent reduction of about 6.8 % per year.
How does the contribution gap affect my pension?
A full pension requires 44 contribution years. Each missing year reduces your pension by roughly 1/44 (≈ 2.3 %). Time spent abroad, studies after 20, or low-income years can create gaps.
I'm an expat — will I get an AHV pension?
Yes, after at least one full contribution year, you accrue rights. Pensions are paid worldwide under bilateral agreements. For short stays you may opt for a lump-sum refund instead.
How much of my salary will AHV replace?
Roughly 35–40 % for typical incomes. AHV is capped at CHF 2,450/month, so high earners see a much lower replacement rate. Combine with pillar 2 (occupational) and pillar 3 (private).
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