Maximum pillar 3a amount Maximum pillar 3a amount

Maximum retirement benefits and maximum tax savings? We show you everything you need to know about the maximum pillar 3a amount.

Maximum retirement benefits and maximum tax savings

What are the maximum contri­butions for your pillar 3a in 2025?

Maximum retirement benefits and maximum tax savings? We show you everything you need to know about the maximum pillar 3a amount.

Maximum of CHF 7'258.–

Employees with a pension fund (2nd pillar) can pay a maximum of CHF 7'258.– into their pillar 3a.

Set up a monthly standing order for your pillar 3a: To reach the maximum amount, the new monthly amount is CHF 604.85.

Why should I pay the maximum amount into my pillar 3a?

If you pay the maximum amount into your pillar 3a each year, you will be excellently prepared for your old age. By paying in the maximum amount you will achieve the maximum tax savings. You can find out more about saving on taxes here.

What is the maximum amount made up of?

The maximum amount for the pillar 3a (“tied pension provision”) is set annually by the Federal Social Insurance Office. The amount is taken from the maximum stipulated by the BVG, the Federal Law on Occupational Old Age, Survivors’ and Disability Pension Plans.

Every two years, the Federal Council reviews any adjustment to pensions, and with it also the maximum AHV pension.

The BVG maximum corresponds to three times the maximum AHV pension for the current year. According to BVV 3, employees with a pension fund may pay 8% of the BVG maximum into their pillar 3a and self-employed persons without a pension fund may pay 40%.

Maximum AHV pension in 2025: 
CHF 30'240.–

BVG maximum in 2025:
3 x CHF 30'240.– = CHF 90'720.–

Maximum contribution for employed persons with a pension fund: 
CHF 90'720.– x 8 % = CHF 7'258.–

Maximum contribution for employed persons without a pension fund: 
CHF 90'720.– x 40 % = CHF 36'288.–

Deposits below the maximum contribution

You can’t pay the maximum contribution into your pillar 3a this year? Don’t worry, deposits can be made from as little as CHF 1. Here we show you why a pillar 3a is also worthwhile if you don’t have much money to spare.

Save even with small amounts

Good to know

Paying in even after reaching reference age
Persons of retirement age can continue to pay into the scheme until five years after reaching the normal reference age, provided they are still in employment.

The current reference age is 64 for women and 65 for men. From 2025, the reference age for women will be increased in stages. From 2028, the same reference age of 65 will apply for women and men.

Paying in during a break in employment
Despite a temporary interruption in gainful employment, the pillar 3a deduction entitlement is maintained as soon as a replacement income or income from gainful employment subject to AHV contributions is received (e.g. military service, maternity, etc.).

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