Swiss Expat Finance

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.

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.
Next steps after the estimate

Use the number to choose the next check, not as a final tax result.

LimitConfirm the 2026 maximumCheck which cap applies before you plan a payment.CantonCompare canton examplesSee why the same contribution can have different value by location.ProviderCompare 3a platformsReview costs, equity limits, language support, and source links.Exit checkShort stay or leaving soon?Test whether liquidity, withdrawal timing, and future tax residence change the decision.

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.