Can I retire at 45 with CHF 1.5 million?
Retiring at 45 means twenty years before AHV. A large portfolio helps; so does knowing exactly what the bridge costs.
Education, not financial advice. Use at your own risk. Read the full disclaimer
The short answer
Yes. With these numbers you could stop at 45, with about CHF 326’038 more on the day than the plan needs.
- Independent at
- 45.0
- Needed on the day
- CHF 1’506’522
- Bridge from savings
- 20.0 years
- Pensions cover
- 39%
- AHV from 65
- CHF 2’730 / month
- Savings at 95
- CHF 3’961’760
Open this scenario in the calculator → Change any number and see your own answer.
Forty-five, CHF 1.5 million invested, a pension fund still growing slowly, and CHF 7’000 a month of spending. The earlier you stop, the more your own savings carry and the less the pensions can help.
Your savings over time
Age 46 (2026) Accessible CHF 1’488’889 Pension fund and 3a CHF 355’969
What the numbers say
From 45.0 you live on accessible savings for about 20.0 years, until pension-fund money, Pillar 3a and AHV have all started at 65.0. That stretch is the hard part of early retirement in Switzerland.
After that, AHV of about CHF 2’730 a month covers 39% of spending of CHF 7’000 a month; savings pay the rest.
On the default return, savings would still be about CHF 3’961’760 at 95 in today’s francs. A bad first decade in the markets can cut that sharply, which is why the plan uses a withdrawal rate with a margin.
The plan behind it
- Age today
- 45
- Spending per month
- CHF 7’000
- Saved per month
- CHF 4’000
- Invested today
- CHF 1’500’000
- Pension fund
- CHF 250’000
- Pillar 3a
- CHF 100’000
- Target age
- 45
Other inputs are the calculator defaults: Pillar 3a CHF 5’000 a year, statutory pension-fund credits, full AHV, stocks 8.0% and bonds 1.5% before inflation, 4.0% withdrawal rate, taxes for Zug.
Frequently asked questions
Are taxes included?
Yes, in retirement: wealth tax, income tax on pensions and investment income, and the tax on lump sums, estimated for Zug with 2026 figures of the Federal Tax Administration. Check the latest rules with your canton.
What if markets do worse?
Every year earns the average return here. With one percentage point less, the date moves by about 0.3 years. The calculator’s sensitivity chart shows the other assumptions that matter.