Your financial map, 20 years out
Plug in your starting balances and yearly contributions. We project wealth in each pension bucket, the cumulative tax you'll pay along the way, and the lump-sum tax bite at retirement. Simplified math — directional, not a forecast.
Inputs
Profile
Starting balances (CHF)
Annual flows (CHF/yr)
Return assumptions (%/yr)
At retirement (age 65) · 30 years
Net wealth (after lump-sum tax)
CHF 2'137'300
Cumulative income tax
CHF 756'000
over the projection
3aLPPInvestable
Year-by-year
| Age | 3a | LPP | Invest | Net wealth | Cum. tax |
|---|---|---|---|---|---|
| 35 | 30'000 | 120'000 | 50'000 | 200'000 | 0 |
| 37 | 47'254 | 143'172 | 80'311 | 270'738 | 50'400 |
| 39 | 65'917 | 167'163 | 114'048 | 347'128 | 100'800 |
| 41 | 86'102 | 192'000 | 151'599 | 429'700 | 151'200 |
| 43 | 107'934 | 217'714 | 193'393 | 519'041 | 201'600 |
| 45 | 131'548 | 244'336 | 239'911 | 615'795 | 252'000 |
| 47 | 157'088 | 271'898 | 291'687 | 720'674 | 302'400 |
| 49 | 184'713 | 300'433 | 349'315 | 834'462 | 352'800 |
| 51 | 214'592 | 329'976 | 413'457 | 958'025 | 403'200 |
| 53 | 246'909 | 360'562 | 484'848 | 1'092'318 | 453'600 |
| 55 | 281'863 | 392'227 | 564'308 | 1'238'398 | 504'000 |
| 57 | 319'669 | 425'011 | 652'749 | 1'397'429 | 554'400 |
| 59 | 360'561 | 458'952 | 751'185 | 1'570'698 | 604'800 |
| 61 | 404'789 | 494'091 | 860'748 | 1'759'628 | 655'200 |
| 63 | 452'626 | 530'471 | 982'694 | 1'965'791 | 705'600 |
| 65 | 504'366 | 568'135 | 1'118'423 | 2'190'925 | 756'000 |
Lump-sum tax at withdrawal: CHF 53'625 (5.00% × 3a + LPP).
How this is computed
Assumptions and limits
- 3a growth: simple compound at your chosen return. No fee drag modelled — pick a return ~0.4% below your provider's stated long-term return to account for TER.
- LPP growth: compound at the BVG technical rate (currently 1.25%) on the mandatory portion, your chosen return on voluntary buy-in. Employer contribution assumed steady at 8% of insured salary.
- Investable wealth: annual savings minus 3a / LPP contributions, compounded at your chosen "investment" return. Capital gains tax-free for private investors (Art. 16 Abs. 3 DBG). No wealth tax modelled.
- Annual income tax: approximated as a flat effective rate × gross salary. Real tax is progressive and depends on commune; this is a directional projection, not a tax forecast.
- Lump-sum tax at retirement: 5% effective on 3a + LPP withdrawal. Real rate ranges 2-9% depending on canton and split strategy — see our 3a withdrawal staging tool to optimise.
- What's NOT modelled: AHV/IV pension income at retirement, wealth tax, divorce / inheritance, real-estate (Eigenmietwert), inflation. Treat the projection as nominal CHF in 2026 purchasing power.