Can I retire at 60?
Five years before the AHV age is the most common early-retirement wish. With a solid pension fund it is often closer than it feels.
Education, not financial advice. Use at your own risk. Read the full disclaimer
The short answer
Yes. With these numbers you could stop at 60, with about CHF 164’612 more on the day than the plan needs.
- Independent at
- 58.5
- Needed on the day
- CHF 438’093
- Bridge from savings
- 6.5 years
- Pensions cover
- 80%
- AHV from 65
- CHF 2’730 / month
- Savings at 95
- CHF 797’719
Open this scenario in the calculator → Change any number and see your own answer.
Fifty, CHF 150’000 invested, CHF 300’000 in the pension fund, and CHF 6’000 a month of spending. Many people in this position assume they must work to 65. The pension fund and 3a can usually be drawn from 60, which shortens the bridge.
Your savings over time
Age 59 (2034) Accessible CHF 422’789 Pension fund and 3a CHF 150’610
What the numbers say
From 58.5 you live on accessible savings for about 6.5 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 plus a pension-fund pension of CHF 2’075 covers 80% of spending of CHF 6’000 a month; savings pay the rest.
On the default return, savings would still be about CHF 797’719 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
- 50
- Spending per month
- CHF 6’000
- Saved per month
- CHF 2’000
- Invested today
- CHF 150’000
- Pension fund
- CHF 300’000
- Pillar 3a
- CHF 60’000
- Target age
- 60
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.
What would change it
- Spend CHF 500 less a month: 0.5 years earlier, independent at 58.0
- Save CHF 500 more a month: 0.5 years earlier, independent at 58.0
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 0.8 years. The calculator’s sensitivity chart shows the other assumptions that matter.