Pillar 3a Calculator

What it does

Same contribution, 35 years: savings account = CHF 295K. Investment fund = CHF 550K. That's a CHF 255K gap from one decision. This calculator uses real Swiss provider data (Finpension, VIAC, UBS, PostFinance), not hypothetical rates. It shows 3 scenarios, compares savings vs. investments, and reveals fee impact in absolute CHF. The cheapest vs. most expensive provider over 35 years? CHF 220K difference. Just fees. No signup. No ads. 2026 limits.

Free Swiss Pillar 3a calculator. Simulate retirement capital, compare providers, and see fee impact on your 3a savings and investments.

Simulate your Pillar 3a retirement capital with real Swiss provider data. Compare savings accounts vs investment funds, see the true cost of fees, and find which 3a solution fits your profile. Updated for 2026 contribution limits. By contributing CHF 7'258/year for 35 years , your projected 3a capital is CHF 727'624 with CHF 473'594 in estimated growth. With 35 years until retirement, most Swiss residents choose investment-based Pillar 3a. Time reduces volatility risk and compound growth makes the biggest difference over long horizons. Based on your inputs, these Swiss 3a providers match your assumptions. Sorted by projected capital at retirement. Projections are estimates based on…from getrates.ch

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