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The Swiss pension system is based on three pillars designed to ensure your long-term financial security. The third pillar complements the first two by offering you the opportunity to save while enjoying significant tax advantages. Whether you are an employee, self-employed or newly established, the right strategy can make all the difference.

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Pension provision / 3rd pillar

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<h3>Why is the third pillar essential in Switzerland?</h3>
<p class="large">The third pillar is much more than just a savings plan: it is a concrete way to pay less tax, prepare for your retirement and protect your loved ones. In Switzerland, the first two pillars (AVS + LPP) cover on average 60% of your retirement income.<br />The third pillar allows you to make up this shortfall while enjoying immediate tax benefits.</p>
<p><br /><strong>1. Tax reduction</strong><br />The amounts you pay in are tax deductible (up to approximately CHF 7,000 per year if you are an employee).<br />You save for yourself instead of giving more to the state.</p>
<p><strong>2. Return and security</strong><br />Your savings are placed in an account or investment fund to grow your capital over the long term.</p>
<p><strong>3. Protection for your family</strong><br />In the event of unforeseen circumstances, a lump sum is paid to your beneficiaries. This ensures the financial security of your loved ones.</p>
<p><strong>4. Access to property</strong><br />The 3rd pillar can be used to finance or repay your main residence.</p>
<p><strong>5. Freedom and flexibility</strong><br />You choose the amount and frequency of your payments according to your goals and situation.</p>
<p> <br />In summary, the 3rd pillar allows you to reduce your taxes, grow your savings and prepare for your future in Switzerland with ease.</p>

Pricing Table

Types of third pillards :

An excellent choice for investments with no minimum term, particularly for diplomats and ambassadors, as it can be withdrawn at any time and for any reason. Tax-deductible in the cantons of Geneva and Fribourg (CHF 2,200 for single persons, CHF 3,300 for married couples and CHF 900 per child).

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Non-affiliatted third pillard (3B)

Third pillar maximum, very attractive for minimising tax and building up a good pension, especially for self-employed people. MAX: CHF 7,258 per year. 

Third pilard max (3A)

Très bon choix pour les jeunes, car marche mieux avec une stratégie sur le long terme ( +20 ans). Possibilité de changer la stratégie de l'investissement avant de le retirer. 

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Troisième pilier lié (A)  :

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  <title>Calculateur Impôts & 3e Pilier</title>
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    <h2 class="text-2xl font-bold text-center mb-6">Calculateur Impôts & 3e Pilier</h2>

    <div>
      <label class="block mb-2">Canton :</label>
      <select id="canton" class="w-full p-2 rounded bg-gray-100 text-gray-800 border border-gray-300 mb-4">
        <option value="">-- Sélectionnez --</option>
        <option value="GE">Genève</option>
        <option value="VD">Vaud</option>
        <option value="ZH">Zurich</option>
        <option value="TI">Tessin</option>
        <option value="BE">Berne</option>
        <option value="VS">Valais</option>
      </select>

      <label class="block mb-2">Revenu brut annuel (CHF) :</label>
      <input id="revenu" type="number" class="w-full p-2 rounded bg-gray-100 text-gray-800 border border-gray-300 mb-4" placeholder="Ex. 80000" />

      <label class="block mb-2">État civil :</label>
      <select id="etat" class="w-full p-2 rounded bg-gray-100 text-gray-800 border border-gray-300 mb-4">
        <option value="célibataire">Célibataire</option>
        <option value="marié">Marié(e)</option>
      </select>

      <label class="block mb-2">Nombre d'enfants :</label>
      <input id="enfants" type="number" value="0" min="0" class="w-full p-2 rounded bg-gray-100 text-gray-800 border border-gray-300 mb-4" />

      <label class="block mb-2">Montant versé au 3e pilier (CHF) :</label>
      <input id="pilier3a" type="number" value="0" min="0" class="w-full p-2 rounded bg-gray-100 text-gray-800 border border-gray-300 mb-4" />

      <button onclick="calculer()" class="w-full bg-blue-500 hover:bg-blue-600 text-white font-semibold py-2 px-4 rounded-lg">
        Calculer
      </button>
    </div>

    <div id="resultat" class="mt-6 p-4 bg-gray-100 text-gray-800 rounded hidden">
      <p><strong>💰 Impôt sans 3e pilier :</strong> <span id="impotAvant">-</span> CHF</p>
      <p><strong>🏦 Impôt avec 3e pilier :</strong> <span id="impotApres">-</span> CHF</p>
      <p><strong>✅ Économie fiscale :</strong> <span id="economie" class="text-green-600 font-semibold">-</span> CHF</p>
    </div>
  </div>

  <script>
    const tauxParCanton = {
      GE: 0.145,
      VD: 0.125,
      ZH: 0.115,
      TI: 0.13,
      BE: 0.14,
      VS: 0.12
    };

    const plafond3a = 7056;

    function calculer() {
      const canton = document.getElementById("canton").value;
      const revenu = parseFloat(document.getElementById("revenu").value);
      const etat = document.getElementById("etat").value;
      const enfants = parseInt(document.getElementById("enfants").value) || 0;
      const pilier3a = Math.min(parseFloat(document.getElementById("pilier3a").value) || 0, plafond3a);

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        alert("Veuillez remplir tous les champs correctement.");
        return;
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      let taux = tauxParCanton[canton] || 0.13;
      if (etat === "marié") taux -= 0.01;
      if (enfants > 0) taux -= enfants * 0.005;
      taux = Math.max(taux, 0.08);

      const impotAvant = revenu * taux;
      const revenuReduit = revenu - pilier3a;
      const impotApres = revenuReduit * taux;
      const economie = impotAvant - impotApres;

      document.getElementById("impotAvant").textContent = impotAvant.toFixed(0);
      document.getElementById("impotApres").textContent = impotApres.toFixed(0);
      document.getElementById("economie").textContent = economie.toFixed(0);
      document.getElementById("resultat").classList.remove("hidden");
    }
  </script>
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Third Pillard Partners :

New in Switzerland

Nouveau en Suisse vous accompagne dans vos démarches administratives et financières. Nous proposons des conseils gratuits et sans engagements en assurances, fiscalité, prévoyance, retraite et investissements. Que vous soyez un particulier, un indépendant ou un entrepreneur, nous vous aidons à comprendre le système suisse et à faire les bons choix. Notre équipe multilingue vous offre un suivi sur mesure et personnalisé. Expertise, clarté et proximité pour avancer en toute confiance. Bien informé, bien protégé. Bienvenu(e) en Suisse.