Swiss pensions
The three pillars when you retire early
AHV, pension fund and Pillar 3a: what each one pays, when you can reach it and what that means if you stop working before 65.
Net worth calculator
One number for everything you own minus everything you owe, split the Swiss way: money you can use today and money locked in pensions.
Your result
- Net worth
- CHF 400’000
- Progress to your FI number
- 16.7%
- Available now
- CHF 200’000
- Locked in pensions
- CHF 200’000
- Home equity
- CHF 0
- FI number
- CHF 1’200’000
- Progress including pensions
- 33.3%
Your result, explained
You own CHF 400’000 in total. You can use CHF 200’000 of it today; CHF 200’000 is locked until age 60 to 65. Measured against an FI number of CHF 1’200’000, your available money covers 16.7% of the way.
Use this in your full plan →Estimates for planning, not advice. Use at your own risk. Read the full disclaimer
How it is calculated
- Available now = cash + investments − other debts.
- Locked = Pillar 3a + pension fund (including vested-benefits accounts).
- Home equity = home value − mortgage.
- Net worth = available + locked + home equity.
- FI number = monthly spending × 12 ÷ withdrawal rate.
- Progress = available money ÷ FI number; a second figure adds the locked money.
The FI number here is the simple rule without pensions. AHV and pension-fund income lower what you need; the calculator includes them, and your FIRE number in Switzerland explains why.
Frequently asked questions
Why split liquid and locked money?
Pillar 3a and pension-fund money can usually be withdrawn only five years before the AHV age at the earliest. An early retiree lives on liquid money until then.
Does my home count?
It is part of your net worth, but you cannot spend it without selling or borrowing against it, so it is not counted towards your FI number.
How often should I check?
Once or twice a year is enough. Watching it monthly mostly shows market noise.
Related tools
Related reading
The numbers
Your FIRE number: how much is enough in Switzerland?
Multiply yearly spending by 25 to 30 for a first answer, then adjust for AHV, pension fund and Pillar 3a. A table in francs and the Swiss twist.
Last reviewed: