Swiss Pillar 3a contribution calculator
See your 2026 Pillar 3a limit, how much you have already paid in, and how much you can still contribute before the 31 December deadline.
You can still pay in CHF 7'258 before the deduction window closes on 31.12.2026.
Figures are the published legal limits for 2026 and your own entries. This tool shows your contribution room and the deadline only; it does not calculate tax effects. Not tax advice.
Track your 3a alongside everything else
hopli keeps your Pillar 3a, accounts and net worth in one place.
What Pillar 3a is
Pillar 3a is Switzerland's tied private pension. You contribute voluntarily each year up to a legal maximum, and the money is locked until close to retirement, with defined early-withdrawal cases such as buying a home or leaving Switzerland. It is the third of the country's three pillars, alongside the state AHV (pillar 1) and your occupational pension (pillar 2).
The 2026 contribution limits
If you are employed and covered by a pension fund, you can pay in up to CHF 7'258 in 2026. If you are self-employed without a pension fund, the limit is 20% of your net earned income, up to CHF 36'288. These are the maximums set by the federal tax authorities; your own limit is whichever applies to you.
The 31 December deadline
Contributions count for the calendar year in which the money actually reaches your 3a account, and the cut-off is 31 December. Anything not paid in by year-end cannot be added later for that year. From the 2025 contribution year, retroactive top-ups for missed years are also possible once you have first maxed the current year.
How to use this calculator
Choose whether you have a pension fund, enter your income if self-employed, and add what you have already contributed this year. The calculator shows your limit, what you have paid, and the room remaining before the deadline, so you know exactly how much you could still pay in.
Frequently asked questions
How much can I pay into Pillar 3a in 2026?
Up to CHF 7'258 if you are employed with a pension fund, or 20% of your net earned income up to CHF 36'288 if you are self-employed without one.
What is the Pillar 3a deadline?
Contributions must reach your 3a account by 31 December to count for that year. There is no extension; money paid in January counts for the new year.
Can I pay in for previous years?
From the 2025 contribution year onward, retroactive top-ups for missed years are possible (up to ten years back), but only after you have fully paid in for the current year first.
What if I am self-employed?
Without a pension fund, your limit is 20% of your net earned income, capped at CHF 36'288 for 2026. Enter your income above to see your figure.
Does this calculator show my tax saving?
No. It shows only your contribution limit, what you have paid and the room left before the deadline. For your personal tax situation, speak to your cantonal tax office or an advisor.