Will your money be enough in old age?

In short

OASI and the pension fund together are meant to replace about 60 percent of your last salary.

Many people need more in old age. The difference is your pension gap. You close it with pillar 3a, with buy-ins to the pension fund or with free saving.

As of 2 October 2026 · Sources bsv.admin.ch, ahv-iv.ch

CalculatorWith your numbers

Will your income be enough in old age?

Enter what you earn today and what you expect in old age. The figures are on your pension statement and in your OASI statement.

Your gross salary per year today

CHF

How much of that do you need in old age?

OASI and pension fund together are meant to replace around 60 percent. Many people need more.

OASI pension per month

At most CHF 2,520 for individuals, as of 2026.

CHF

Pension fund pension per year

It is on your pension statement.

CHF

Other income per year, for example from pillar 3a

CHF

Your target per month

CHF 5,250

Gap per month

CHF 533is missing

OASI

CHF 2,383

Pension fund

CHF 2,000

Other

CHF 333

Gap

CHF 533

In old age you have around 63 percent of your current salary. CHF 533 per month is missing to reach your target. Pillar 3a, buy-ins to the pension fund or free saving can close the gap.

Before tax. The 13th OASI pension is included. Benefit target according to FSIO, as of 2026. Not advice.

Want to know more?

How does a gap arise?

The aim of OASI and the pension fund is to replace together about 60 percent of the last salary. OASI is capped, though, at most CHF 2,520 a month for individuals. And the pension fund often does not insure the whole salary. Anyone who earns well, works part-time or has had breaks is therefore often below it.

How do you close it?

Pillar 3a. Pay in every year, as early as possible.
Buy-in to the pension fund. Attractive for tax, but the money is locked in.
Close OASI gaps. You can only catch up missing contribution years five years back.
Free saving and investing. Flexible, without a tax deduction.

What does that mean in francs?

With a salary of CHF 90,000, 70 percent is around CHF 5,250 a month. If OASI and pension fund together bring CHF 4,400, you are missing around CHF 850 a month. Calculate above with your numbers.

What many people get wrong

“OASI and the pension fund replace my salary.” Not fully for most people. 60 percent is the target, not the minimum.
“In old age I need much less.” Housing costs, health and travel often stay high.
“I will take care of retirement provision later.” The later, the more expensive it is to close a gap.

Where do I see how much I will get in old age?

The pension fund pension is on your pension statement. You can get an estimate of your OASI pension from your compensation office.

Where do gaps come from?

Often from part-time work, breaks because of children or further training, years abroad, a low salary or a low conversion rate of the pension fund.

What is a buy-in to the pension fund?

If you have gaps in the pension fund, you can pay in voluntarily and deduct the amount from your taxes. How much is possible is on the pension statement. After that the money is locked for three years for a capital withdrawal.

This page explains in general terms and does not replace personal advice. Law and your policy are what counts.