AHV gap and pension estimate

The AHV pension depends on your average income and on complete contribution years. Each missing year costs about 1/44 of it, for life.

Your result

With these numbers AHV pays about CHF 2’730 / month from 65, including the 13th pension spread over the year.

Estimate from the legal formula. Your exact pension depends on your account record, child-raising credits and splitting with a spouse.

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

Full pension from the legal formula on your average yearly income: never below the minimum and never above twice the minimum.
Missing years reduce it by 1/44 each.
Early draw cuts 6.8 % per year before the reference age; deferral adds the official supplements (5.2 % after one year up to 31.5 % after five).
13th pension adds one twelfth.

Couples, child-raising credits and splitting are not included. More in AHV gap years in early retirement.

How do I know my contribution years?

Ask your compensation office for your individual account statement (IK-Auszug). It is free and shows every year counted.

Can I fill gaps?

Contributions can usually be paid for the last five years only. Years spent abroad may count under a social security agreement.

What is the 13th pension?

From December 2026, everyone receiving an AHV old-age pension gets an extra monthly payment once a year. The tool spreads it over the year.