Pillar 3a maximum contribution 2026: what expats can deduct
A plain-English guide to the 2026 Swiss Pillar 3a limits, who can use them, and why the tax deduction is often worth more for high earners.
Read guideSwiss finance for expats
Understand Pillar 3a, Swiss taxes, provider choices, and cross-border wealth decisions in clear English, with visible sources and practical checklists.
2026 planning deskPillar 3a deduction window
Employee with Pillar 2CHF 7'258
No pension fundCHF 36'288
Provider comparison, written for decisions
Simple source-led comparison of digital Pillar 3a platforms. No affiliate ranking is active.
| Platform | Max equity | Cost note | Languages | Best-fit signal |
|---|---|---|---|---|
| VIAC | up to 99% | total cost below 0.44% for a fully invested strategy, according to VIAC FAQ | EN, DE, FR, IT | Good for expats who want broad language support and a clear digital 3a setup. |
| finpension | up to 99% | 0.39% to 0.42% per year on the cited product page | EN, DE, FR | Good for fee-sensitive investors who want a high-equity securities solution. |
| True Wealth | up to 99% | 0% management fee for the 3a product; product and fund costs still matter | EN, DE, FR | Good for users who want portfolio automation and a broader wealth platform feel. |
| frankly | up to 95% | access to Swisscanto investment products, including Extreme 95 Index | EN, DE, FR | Good for users who prefer a bank-backed product family and a simpler menu. |
Pillar 3a and 3b
Contribution limits, tax deductions, withdrawals, provider comparisons, and 3a vs 3b decisions for expats who need clear Swiss retirement planning.
Swiss tax for expats
Plain-English explainers for withholding tax, double taxation agreements, foreign assets, and canton-level planning.
Wealth management
Brokerage accounts, portfolio decisions, currency risk, DA-1 paperwork, and practical asset-management checks.
Start with the high-intent guides
These pages answer the questions expats usually ask before opening an account or filing a tax return.
Best Pillar 3a apps in Switzerland: VIAC vs finpension vs True Wealth vs frankly
A source-led comparison of four digital Pillar 3a platforms for expats who care about equity exposure, costs, language support, and flexibility.
Read guideSwiss withholding tax for expats: the 35% rule on dividends and interest
A practical guide to Swiss anticipatory tax, why 35% may be withheld, and how declaration and refund logic works for residents.
Read guide