Tax and insurance
Taxes in early retirement: canton, capital and wealth
What you pay when you live from savings in Switzerland: income, wealth and withdrawal taxes, why your canton matters and which levers are real.
Stop working before 65 and you still owe AHV contributions, based on your wealth and pension income. Paying keeps your pension complete.
You would pay about CHF 1’590 / year, or CHF 23’850 over 15 years if your wealth stays the same. Paying keeps your contribution years complete and protects your pension.
Official 2026 table. Compensation offices add a small administrative fee.
Estimates for planning, not advice. Use at your own risk. Read the full disclaimer
More on why paying matters in AHV gap years.
Yes, until the reference age, unless you still work enough or your working spouse pays at least twice the minimum for both of you.
No, not while it sits in the pension fund or a vested-benefits account. It counts once paid out. A pension-fund pension counts as income, times 20.
With the compensation office of your canton of residence. It sets provisional contributions from your tax return.
Tax and insurance
What you pay when you live from savings in Switzerland: income, wealth and withdrawal taxes, why your canton matters and which levers are real.
Swiss pensions
Stop working at 45 and your AHV pension can shrink for life. How contribution years work, what non-employed people pay and how to close the gap.
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