myFIREplan.ch
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Calculator

FIRE calculator for Switzerland

Find the age you could stop needing a salary, with AHV, your pension fund, Pillar 3a and taxes for all 26 cantons built in. Free, private, nothing to sign up for.

How to enter your numbers

Question 1 of 5

How old are you?

years

Financially independent at

47

In 12 years, around February 2038.

Needed on the day
CHF 560’000
Accessible savings at independence. Pensions carry the rest later.
Simple rule
CHF 1’200’000
Yearly spending divided by the withdrawal rate, without pensions.
Savings rate
30%
Monthly saving divided by net income.
Pensions per month
CHF 2’730
AHV plus pension-fund annuity, in today’s francs.

Your savings over time

Accessible savings carry you from 47 until the pensions start at 65.

Age 48 (2038) Accessible CHF 539’024 Pension fund and 3a CHF 277’068

Today’s francs. Stocks 8.0%, bonds 1.5% before inflation, minus 0.3% costs; withdrawal rate 4.0%. Taxes estimated by canton. Source: myFIREplan.ch

Your plan in plain words

You are 35 and save CHF 3’000 a month on top of CHF 20’000 already set aside. With these numbers you could stop needing a salary at 47, around February 2038. For about 18 years you live on accessible savings, starting with about CHF 560’352, until the pension fund, 3a and AHV are all paying. From 65, AHV pays about CHF 2’730 a month, 68% of your spending. The pension fund was taken as a lump sum and sits in your accessible savings. At 95 you would still have about CHF 803’923 in accessible savings. Assumes stocks at 8.0% before inflation and a 4.0% withdrawal rate. Taxes are estimates for your canton.

Estimates for planning, not advice. Use at your own risk. Read the full disclaimer

What would change it

  • Spend CHF 1’000 less a month 2.9 years earlier, independent at 44
  • Save CHF 500 more a month 1.1 years earlier, independent at 46

What moves the needle

Your biggest lever is spending.

  • Spending −10 %: 1.3 years earlier +10 %: 1.2 years later
  • Spending in retirement −10 %: 1.3 years earlier +10 %: 1.2 years later
  • Stock return −1 pt: 0.9 years later +1 pt: 0.9 years earlier
  • Saving −10 %: 0.7 years later +10 %: 0.7 years earlier
  • Withdrawal rate −0.5 pt: 0.3 years later +0.5 pt: 0.3 years earlier
Year by year
AgeYearPhaseSavedSpendingAHVPension fund pensionTaxes and AHV duesAccessible3aPension fundNet worth
352026Working42’426000052’8215’121106’683164’626
362027Working42’426000087’39610’516113’383211’296
372028Working42’4260000123’81816’200120’100260’118
382029Working42’4260000162’18722’187126’834311’208
392030Working42’4260000202’60728’494133’584364’685
402031Working42’4260000245’18635’138140’352420’676
412032Working42’4260000290’04142’137147’136479’314
422033Working42’4260000337’29349’510153’937540’740
432034Working42’4260000387’07057’277160’755605’103
442035Working42’4260000439’50865’459167’591672’557
452036Working45’6390000494’74774’079177’660746’485
462037Working45’6390000552’93883’159187’754823’851
472038Bridge3’80344’000001’177539’02488’040189’028816’092
482039Bridge048’000001’187517’44992’745189’501799’694
492040Bridge048’000001’146494’76397’701189’975782’438
502041Bridge048’000001’026470’987102’922190’449764’359
512042Bridge048’000001’011445’956108’422190’926745’304
522043Bridge048’00000889419’713114’216191’403725’332
532044Bridge048’00000855392’102120’320191’881704’303
542045Bridge048’00000749363’125126’750192’361682’235
552046Bridge048’00000677332’671133’523192’842659’036
562047Bridge048’00000605300’665140’659193’324634’648
572048Bridge048’00000584266’970148’176193’807608’953
582049Bridge048’00000562231’496156’094194’292581’882
592050Bridge048’00000540194’150164’436194’778553’363
602051Bridge048’0000020’058511’91400511’914
612052Bridge048’000001’112488’96600488’966
622053Bridge048’000001’023464’88500464’885
632054Bridge048’00000981439’55900439’559
642055Bridge048’00000885412’97700412’977
652056Pensions048’00032’7600713418’70700418’707
662057Pensions048’00032’7600721424’73500424’735
672058Pensions048’00032’7600729431’07700431’077
682059Pensions048’00032’7600737437’74900437’749
692060Pensions048’00032’7600746444’76900444’769
702061Pensions048’00032’7600755452’15400452’154
712062Pensions048’00032’7600765459’92400459’924
722063Pensions048’00032’7600775468’09800468’098
732064Pensions048’00032’7600786476’69900476’699
742065Pensions048’00032’7600798485’74700485’747
752066Pensions048’00032’7600812495’26400495’264
762067Pensions048’00032’7600828505’27300505’273
772068Pensions048’00032’7600852515’79200515’792
782069Pensions048’00032’7600877526’84800526’848
792070Pensions048’00032’7600904538’46700538’467
802071Pensions048’00032’7600932550’67900550’679
812072Pensions048’00032’7600961563’51300563’513
822073Pensions048’00032’7600992577’00100577’001
832074Pensions048’00032’76001’024591’17700591’177
842075Pensions048’00032’76001’059606’07600606’076
852076Pensions048’00032’76001’094621’73400621’734
862077Pensions048’00032’76001’132638’19100638’191
872078Pensions048’00032’76001’172655’48600655’486
882079Pensions048’00032’76001’213673’66300673’663
892080Pensions048’00032’76001’257692’76600692’766
902081Pensions048’00032’76001’303712’84400712’844
912082Pensions048’00032’76001’351733’94400733’944
922083Pensions048’00032’76001’402756’12100756’121
932084Pensions048’00032’76001’455779’42800779’428
942085Pensions048’00032’76001’511803’92300803’923

Keep and share

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How this calculator works

The calculator runs your plan month by month, from today to age 95, in today’s francs.

  1. While you work, your monthly saving goes into your investments and Pillar 3a, and your pension fund grows with the credits on your certificate. From 45 and 55 the legal minimum credits rise, and the calculator follows that unless you switch it off.
  2. The day you stop, you live on accessible savings. The calculator adds AHV contributions for non-employed people and the wealth and income tax of your canton.
  3. Pillar 3a and the pension fund become available on their legal dates, five years before the AHV reference age at the earliest if you left work early. A lump sum is taxed once; a pension-fund pension is paid monthly for life.
  4. AHV starts at 65 by default. It is estimated from your average income and contribution years with the official formula, including the 13th pension paid from December 2026.

Independence is the first month in which two things hold: your accessible money never runs out before the pensions start, and once they all run, what is left can carry the rest of your spending at your withdrawal rate. The calculator searches every month and reports the earliest.

Read the assumptions, sources and limits on the methodology page. New to the topic? Start with what FIRE means in Switzerland and the three pillars.

Context

How markets did in the last 20 years

Real index returns, before inflation and fund costs. Our default for stocks is 8.0% a year; the last two decades were stronger, and they included a 67 % fall in francs.

IndexPeriodCurrencyPer year
S&P 500with dividends2006–2025USD10.9%
S&P 500with dividends2016–2025USD14.7%
MSCI Worldwith dividendsOct 2016–Sep 2026USD13.4%
MSCI Worldwithout dividends (add about 2 %)Oct 2016–Sep 2026CHF9.4%
Swiss equitieswith dividends2009–2025CHF8.5%
Swiss bondswith dividends1900–2025CHF3.9%
  • S&P 500: Worst year: 2008, -36.8%.
  • MSCI World (CHF): Largest fall in francs: -67.0% between 2000 and 2009.
  • Swiss equities: Since 1900: 6.8% a year, 4.6% after inflation.
  • Why francs earned less: the franc rose against the dollar, so a Swiss investor kept less of the US gains.

Past returns do not predict future returns. Sources: chartrow.com, msci.com, pictet.com. Try these returns in the calculator →

Frequently asked questions

Is the result a promise?

No. It is an estimate based on the numbers you enter and on assumptions about returns, inflation and Swiss rules. Markets go up and down, rules change, and life does too. Use the result to compare choices, not as a guarantee.

Why does the calculator need two numbers, ’needed on the day’ and ’simple rule’?

The simple rule divides your yearly spending by the withdrawal rate, as if you had no pensions. In Switzerland AHV and the pension fund start later and carry part of your spending. You only need enough accessible money to bridge the years until then, plus a smaller pot for the gap that remains. That is the ’needed on the day’ figure.

Can I use my pension fund money before 65?

Plan rules may allow early retirement from 58 if you are still insured there. If you leave work earlier, the money moves to a vested-benefits account, which you can draw from five years before the AHV reference age. Pillar 3a follows the same five-year rule. The calculator applies these dates automatically.

Do I still pay AHV after I stop working?

Yes. Until the reference age you pay contributions as a non-employed person, based on your wealth and pension income. The calculator adds them from the official 2026 table. Pension-fund and 3a balances do not count as wealth until they are paid out.

What withdrawal rate should I use?

4 % is the classic rule and our default. A longer retirement, for example 45 years or more, is safer at 3 to 3.5 %. You can enter up to 7 %; above 4.5 % the risk of running out rises quickly, and the calculator tells you so.

Why are returns entered before inflation?

Because that is how returns are usually quoted. The calculator subtracts the inflation assumption and shows every amount in today’s francs, so CHF 4’000 in thirty years buys what CHF 4’000 buys today.

Are taxes included?

Yes, for the canton you choose: wealth tax, income tax on pensions and a taxable yield on savings, and the tax on lump sums, from 2026 figures of the Federal Tax Administration for the cantonal capital. Income tax while you work is assumed to be paid out of your net income. Check the latest rules with your canton.

Where are my numbers stored?

Only in your browser. Nothing is sent to a server. A share link contains your inputs in the address, so share it only with people you trust.

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