Pension fund buy-in calculator

A voluntary buy-in into your pension fund is deducted from taxable income. The tax saved often turns a low credited interest into a good return.

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The buy-in saves CHF 6’000 of tax now. Taken as a lump sum after 10 years, it works out at about 3.1% a year after inflation and tax.

After a buy-in, money cannot be withdrawn as a lump sum for three years. Check your fund’s buy-in potential on your pension certificate.

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

Tax saved now = buy-in × your marginal tax rate.
Net cost = buy-in − tax saved.
At retirement = buy-in growing at the credited interest (after inflation), minus the tax on a lump-sum withdrawal.
Effective return = the yearly rate that turns your net cost into that amount.

The shorter the time to retirement, the more the tax saving dominates. More in your pension fund before 65.

How much can I buy in?

Your pension certificate shows your buy-in potential. It depends on your salary, age and past contributions.

Is there a lock-up?

Yes. Money bought in cannot be withdrawn as a lump sum for three years. Plan buy-ins well before retirement or a home purchase.

Is a buy-in better than Pillar 3a?

Usually do Pillar 3a first, then consider buy-ins. Buy-ins are larger and less flexible, and the money is tied to your pension fund’s rules.