Pillar 3a tax savings calculator

Estimate the rough value of a Pillar 3a contribution using transparent assumptions. The calculator stores nothing and is not tax advice.

Employee with Pillar 22026 maximum contribution: CHF 7'258.No pension fund / self-employed20% of earned income, capped at CHF 36'288.

Taxable incomeCanton3a contributionPlanning horizon

Rough tax-saving estimateCHF 1'742

Uses a simplified 24% marginal-rate assumption for Zurich. Nothing is stored.

No 3a contributionCHF 0Contribution: CHF 0

Entered contributionCHF 1'742Contribution: CHF 7'258

Maximum contributionCHF 1'742Contribution: CHF 7'258

Calculated 2026 limitCHF 7'258

Contribution usedCHF 7'258

After-tax costCHF 5'516

Taxable income after 3aCHF 172'742

Saving at full limitCHF 1'742

Remaining room before the calculated limit: CHF 0.

Extra saving if you use the full calculated room: CHF 0.

What this means

The estimate treats the 3a payment as a deduction from taxable income and applies the selected simplified marginal rate. It shows direction, not a filing-ready tax result.

Check before acting

Municipality, marital status, church tax, wealth tax, withholding-tax corrections, and other deductions are not modelled.

Assumptions

This calculator multiplies your contribution by a simplified canton-level marginal-rate estimate. It does not model municipality, marital status, church tax, wealth tax, deductions, withholding-tax adjustments, or exact assessment rules.

Use it for direction, not filing

If the estimate is meaningful, the next step is to check your canton calculator, tax software, or adviser. Do not use this as a substitute for a tax return calculation.