THIRD PILLAR & RETIREMENT

A retirement plan.
That fits your life.

Understand your third-pillar options before committing. We compare your goals, monthly budget, investment exposure, protection and flexibility.

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I want to calculate my tax savings

20–30 minutes · English or French · No obligation

Simulate my third pillar

Living in France, working in Geneva? Check TOU & 3a

PILLAR 3A / OFFICIAL SWISS TAX CALCULATIONS

Swiss residents: estimate your 3a tax saving.

Enter your situation and the contribution you are considering. We compare two calculations from the Federal Tax Administration: without and with that additional pillar 3a deduction.

Your situation · 2026

Ordinary income-tax estimate for Swiss residents. For taxation at source or cross-border situations, let’s check your eligibility together first.

Commune or postcode

Select your tax commune

Household tax statusAges of dependent children · optionalSeparate ages with commas. Leave empty if none.Your church-tax affiliation

Cantonal taxable income · CHFFederal taxable income · CHF

Use annual taxable income after your other deductions, but BEFORE the new 3a contribution you enter below. These figures are not your gross salary. For joint assessment, enter the household totals. If your figures already include this new deduction, add it back first.

Where can I find these figures?

Check your latest tax assessment or tax-return calculation for separate cantonal and federal taxable income. Adjust them for the year you are estimating. If you do not know them, book a call rather than treating your gross salary as taxable income.

Your second-pillar affiliation

3a already paid / planned elsewhere · CHFAdditional 3a contribution to compare · CHF

The allowance shown is for your own ordinary annual contributions across all your 3a plans, not a combined allowance for a couple. Catch-up contributions are excluded.

When you click Calculate, your financial and household inputs are sent through this website to the Federal Tax Administration calculation service. We do not save your entries or use them for advertising. Hosting services may process technical request logs.

Estimated annual tax saving—

Net annual contribution cost—

Net monthly equivalent—

Annual taxes before—

Annual taxes after—

Your estimate will appear here.

2026 tax data · Federal Tax Administration. Income-tax comparison; taxable wealth is held at zero in both scenarios. A planning estimate, not a tax assessment.

Review my result with Mathias Prefer the official calculator? Open it here.

Put the saving to work thoughtfully.

You could use the saving to ease your household budget, build an accessible emergency reserve, or fund additional long-term saving. Extra 3a contributions remain subject to your annual allowance. Compare the complete plan: fees, insurance protection, investment risk and flexibility all matter.

For ordinary 2026 contributions: CHF 7,258 with a pension fund; without one, up to 20% of eligible earned income, capped at CHF 36,288. This tool excludes catch-up contributions and assumes eligibility. Pillar 3b does not have the same general 3a deduction. 3a withdrawal is restricted and benefits are taxed when paid out. Source-tax and cross-border situations require an individual check.

FTA: official tax calculator FSIO: pillar 3a rules and contribution limits

FRANCE → GENEVA · 2026

TOU and Pillar 3a.
Check before you commit.

For French residents employed in Geneva and taxed at source. First check the 90% test, then compare the actual tax scenarios. This independent planning tool does not decide your tax status or submit a TOU request.

1. Your indicative 90% check

Enter annual gross income for 2026, all converted to CHF. For a married couple include both spouses. Count income according to where it is taxable, not where the employer or bank is located. Zero is allowed; blank means unknown.

Household situation My gross income taxable in Switzerland · CHF My other worldwide gross income · CHF

Include rent, interest, dividends, maintenance received and other relevant income. International-organisation income must also be included in the official test. Property, rental value and international allocations need review with the official worksheet. A spouse working in Vaud may have income taxable in France under the frontier-worker agreement. Telework can change the allocation.

Special situation requiring review?

Swiss-taxable share of worldwide gross income—

Complete the income fields to see your indicative result.

Formula: Swiss-taxable gross income ÷ worldwide gross income × 100. The unrounded result must be at least 90%. This checks only the standard income threshold, not final eligibility or 3a suitability.

Below 90% does not resolve every case

Geneva lists exceptions involving insufficient income for deductions in the residence country, treaty-recognised foreign pension contributions, and qualifying equal shared custody. TOU can also be imposed ex officio, for example with Geneva property or self-employment, including certain spouse situations. Ask the AFC or a qualified tax adviser to assess these cases.

2. Compare verified tax estimates

This step does not calculate a complete cross-border tax return. Enter estimates obtained from Geneva’s official tools or a qualified tax adviser for the same 2026 household, deductions and international allocation. Use final total Swiss tax (ICC + IFD, plus any applicable wealth tax), not the balance remaining after withholding. For a jointly assessed couple, all three amounts must cover the same household.

A. Annual source-tax baseline, without TOU · CHF B. Estimated total Swiss tax: TOU without new 3a · CHF C. Estimated total Swiss tax: TOU with new 3a · CHF New ordinary 2026 contribution · CHF

Ordinary personal 2026 limit: CHF 7,258 with a pension fund; without one, 20% of eligible net earned income, capped at CHF 36,288. Existing contributions across all 3a plans count towards the limit. Catch-up contributions are excluded here. Obtain confirmation of eligibility and deduction before using scenario C.

These are comparable estimates, and TOU eligibility and the proposed deduction have been checked. No tax request is being submitted.

The difference that matters

TOU alone versus source tax · A − B—

Extra tax saving from 3a within TOU · B − C—

Overall Swiss-tax difference · A − C—

Enter verified amounts. No savings are assumed.

Positive = lower estimated Swiss tax; negative = extra estimated Swiss tax. This is arithmetic on your inputs, not an official tax calculation or a guarantee. The 3a contribution is money committed to your pension, not a tax refund. French tax, costs, investment risk and tax on withdrawal are not included.

Before requesting TOU

Geneva states that a submitted request cannot be cancelled, even if the final assessment is unfavourable. The deadline is 31 March of the following year (31 March 2027 for 2026 income); non-residents requesting TOU must renew the request each year. Eligibility is not proof that TOU or 3a is financially suitable. French residents still have French reporting obligations. Confirm the full calculation before filing.

These two checks run only in your browser. Your entries are not saved or sent by this module. Official links open external services with their own privacy notices. The Swiss-resident calculator above is a different tool and sends inputs to the FTA only when you use it.

Geneva: 90% test and official worksheet Geneva: eligibility, exceptions and ex-officio TOU Geneva: prepare a full official tax estimate Geneva: official tax-estimation tools by year Geneva: source-tax calculator Geneva: ordinary 3a deductions Geneva: deadline and irreversible request France: cross-border tax reporting

Rules checked on 8 October 2026. Official sources may be in French.

Review my cross-border situation

JavaScript is needed for the checks. You can still use the official links above or arrange a review.

EXPLORE YOUR THIRD PILLAR

Your savings. A possible future.

Explore monthly savings and illustrative retirement scenarios, then discuss the options that fit you.

A clearer starting point

Choose your goal and budget. See what regular contributions could become under three hypothetical returns, without providing contact details.

Your simulation stays in your browser until you choose to send an enquiry.

WHAT WE WILL LOOK AT TOGETHER

Understand the details.
Choose with confidence.

Pillar 3a & 3b

Clarify the role of each pillar, your eligibility and how each could fit your wider pension plan.

Saving & investing

Compare banking and insurance structures, investment risk, fees and the time you have before retirement.

Protection & flexibility

Review life cover, premium waiver where offered, payment commitments and the consequences of changing or stopping a plan.

YOUR ADVISER / MATHIAS SUDRES

Let’s start with your situation.

I will take the time to understand what matters to you, explain the choices and help you compare suitable options. You can ask questions and decide at your own pace.

01 · Review your needs and current arrangements.

02 · Compare benefits, costs and important limitations.

03 · Agree on the next steps, if you want to proceed.

One plan.
More than saving.

Build retirement capital

Regular contributions and an investment strategy matched to your horizon. Market-linked capital can rise or fall.

Explore the options+02

Protect your family

Life cover can provide an agreed death benefit to eligible beneficiaries, subject to the policy terms.

Explore the options+03

Keep the plan going

Premium waiver can cover future premiums after qualifying disability, subject to waiting periods and policy conditions.

Explore the options+

THE FRAMEWORK MATTERS

3a or 3b?
Start with your priorities.

Retirement, with tax benefits

For people with eligible Swiss earned income. Contributions can reduce taxable income within the annual limit. Access is restricted to retirement and legally permitted early withdrawals; withdrawal tax applies.

Protection beyond the 3a framework

No statutory 3a contribution ceiling. An insurance contract can support other savings and protection goals. Flexibility depends on the policy; tax treatment depends on your canton, circumstances and contract.

Know the commitment

Insurance plans have savings, protection and administration costs. Early surrender may return less than you paid in, particularly in the first years. We compare the premium split, surrender values, investment risks and options to change contributions before you commit.

Further reading: ch.ch — Third pillar · AXA — Assurance-vie

Before we talk

Is the first call free?

Yes. The initial 20–30 minute conversation is free and without obligation. Before any further service that carries a fee, we will clarify the terms.

Can we discuss my existing cover?

Absolutely. Your current arrangements are a useful starting point. We can review what they include before discussing alternatives.

How do I send my details?

The booking button takes you to the calendar on my contact page. Choose a time and enter your contact details there. You can also contact me by email or WhatsApp.

A CLIENT’S EXPERIENCE

“super helpful in navigating the choice”

Deniz BayazıtClient feedback

What would help us get started?

Your existing third-pillar plans, pension certificate, savings budget and retirement priorities.

You can book even if you do not have everything yet. Please do not send confidential documents through WhatsApp; we can agree on a suitable way to share them.

Choose my date & time

A free first call. A clearer next step.

Prefer email? Write to me.

Coverage and acceptance depend on the selected insurer and policy terms. Investment values can fall as well as rise. We will discuss the relevant conditions and risks before you decide.

A retirement plan.
That fits your life.