Maximum pillar 3a amount in 2025 | �۶��Ƶ Switzerland

The private retirement savings in pillar 3 serve to top up your retirement assets and close a pension gap. Often, the income from pillars 1 and 2 is not sufficient to cover expenses during retirement.

What is the maximum amount for 2025?

The maximum contribution to pillar 3a is set annually in October by the Federal Social Insurance Office. The maximum amounts for 2025 are:

0 CHF
For insured persons / employees with a pension fund

0 CHF
or max. 20% of net income for the self-employed without a pension fund

Maximum contribution in previous years

These contributions can be deducted in full from taxable income, thereby offering direct tax savings.

2024
With pension fund
��7,056
For self-employed individuals
CHF 35,280
2023
With pension fund
CHF 7,056
For self-employed individuals
CHF 35,280
2022
With pension fund
CHF 6,883
For self-employed individuals
CHF 34,416
2021
With pension fund
CHF 6,883
For self-employed individuals
CHF 34,416
2020
With pension fund
CHF 6,826
For self-employed individuals
CHF 34,128
2019
With pension fund
CHF 6,826
For self-employed individuals
CHF 34,128

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Pillar 3a offers attractive tax benefits. To take full advantage of this, we recommend paying in the annual maximum amount and adhering to the deadlines.

A standing order helps you to save regularly and not miss any contributions.
Payments via Digital Banking must be received on the pension account by 31 December at the latest to be credited for the current tax year.
You can make payments at a bank counter until 19 December.
Payments exceeding the maximum amount are not tax-deductible.

You benefit when you pay into pillar 3a. Save hundreds of francs in taxes, depending on your place of residence and how much you contribute. The more you contribute annually, the more you save on your taxes.

Individual with CHF 80,000 annual salary:

Contribution: CHF 7,258
Tax savings: depending on the place of residence approx. CHF 1,000 – 2,000

You can deduct the amount contributed from your taxable income.
The assets saved in pillar 3a are exempt from income tax for the duration of the term.
Interest and capital gains are exempt from income tax.
When your retirement savings are paid out, they’re taxed separately as income, at a reduced rate.
If you withdraw your 3a assets in stages, you can keep the tax rate even lower.

Calculate tax savings

Self-employed individuals without a pension fund can contribute up to CHF 36,288 annually or 20% of their net income. This offers more tax saving potential than for employees.

Tip: Check your income situation annually to calculate the optimal amount.

Retirement planning for self-employed individuals

Invest your retirement savings in a �۶��Ƶ Vitainvest pension fund to secure higher earnings potential over time, especially with a long investment horizon.

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