Swiss Retirement Simulator

Your Situation

Current Age

Retirement Age

Gross Annual Salary (CHF)

Real Salary Growth Rate % / year

Marital Status

Employment Percentage

2nd Pillar (BVG)

BVG Interest Rate 2026 minimum: 1.25%

Supra-Mandatory BVG

Current BVG Balance (CHF)

Conversion Rate current minimum: 6.8%

3rd Pillar (3a)

Annual 3a Contribution max CHF 7,258

Current 3a Balance (CHF)

3a Equity Allocation

Investment Assumptions

Used for Monte Carlo simulation of 3a & post-retirement portfolio

Expected Equity Return

Equity Volatility

Expected Bond Return

Bond Volatility

Number of Simulations

Inflation Rate all values in real terms

Retirement Spending

Desired Annual Spending (CHF)

2nd Pillar Payout Method

Annuity Lump Sum Mix

All charts and values update automatically when inputs change. Use this button to force a fresh simulation.

AHV Annual Pension

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Pillar 1

BVG Capital at Retirement

—

Pillar 2

3a Balance (Median)

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Pillar 3

Total Retirement Wealth
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Run simulation to see

Wealth Accumulation Over Time

All values in real (inflation-adjusted) CHF

3a Monte Carlo Fan — Pre-Retirement Growth

10th / 25th / 75th / 90th percentile bands shown

Replacement Rate

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vs. last salary

Sustain 25 Years

—

probability

Sustain 30 Years

—

probability

Median Sustainability

—

years

Annual Income Breakdown in Retirement

Year 1 of retirement — real CHF

Portfolio Value Post-Retirement — Monte Carlo Fan

Years into retirement · median + percentile bands · real CHF

Ruin within 30 yrs: —

Ruin within 25 yrs: —

Swiss Pension Parameters (2025/2026)

AHV / 1st Pillar

Max single pension	CHF 30,240 / year (CHF 2,520 / mo)
Min single pension	CHF 15,120 / year (CHF 1,260 / mo)
Married couple cap	CHF 45,360 / year (150% of max single)
Full pension contribution years	44 years (Scale 44)
Missing year reduction	~2.27% per year
Max average income for max pension	CHF 90,720
Contributions start at	Age 21 (employed)

BVG / 2nd Pillar

Entry threshold	CHF 22,680 / year
Coordination deduction	CHF 26,460
Maximum insured salary	CHF 90,720
Minimum coordinated salary	CHF 3,780
Legal minimum interest rate (2026)	1.25%
Legal conversion rate	6.8%
Age credits: 25–34 / 35–44 / 45–54 / 55+	7% / 10% / 15% / 18%

Pillar 3a

Annual max (employed, with pension fund)	CHF 7,258
Tax-deductible at cantonal + federal level	Yes
Withdrawable from age	60 (up to 5 years early)

Methodology Note

Monte Carlo Simulation generates thousands of randomized scenarios by drawing annual returns from a normal distribution parameterized by your expected return and volatility inputs. This captures the uncertainty of future investment outcomes.

The fan chart shows the spread of outcomes: the dark median line, the inner band (25th–75th percentile), and the outer band (10th–90th percentile). A wider fan means more uncertainty.

BVG grows deterministically at the legal minimum rate you specify — the Swiss law guarantees this floor.

AHV is estimated deterministically based on your salary history, contribution years, and the 2025/2026 scale.

All values are shown in real (inflation-adjusted) terms using your specified inflation rate. This means the purchasing power of figures is constant across time — CHF 80,000 in year 20 has the same purchasing power as CHF 80,000 today.

Ruin probability is the fraction of simulations where the investable portfolio (3a + BVG lump sum if chosen) reaches zero before the target horizon, assuming you withdraw the spending gap (desired spending minus AHV minus any BVG annuity) each year.