What are the maximum contributions for your pillar 3a in 2021?

Save for retirement and save on taxes at the same time? We’ll show you how to achieve maximum tax savings.

Säule 3a empfehlen & profitieren

How much can I deposit into my pillar 3a account?

The Federal Social Insurance Office has set the maximum amounts for pillar 3a («linked pension plan») for 2021. You can deposit up to the maximum amount of contributions into your pillar 3a account tax-free in the current year and deduct them from your income in your tax return in full:

Maximum contributions for pillar 3a:

For employees

Employed persons with pension fund (second pillar)             

maximum CHF 6'883.- 

 

 

For self-employed persons

Self-employed persons without pension fund (second pillar)                   

20% of net earned income, maximum CHF 34'416.-

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.
More tax saving tips

Useful to know:

Persons of retirement age can continue to pay into the scheme until five years after reaching the normal retirement age (women 64, men 65), provided they are still 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.).

 

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.

 

Saving even with small amounts

Gut zu wissen:

Personen im Pensionsalter können bis fünf Jahre nach dem Erreichen des ordentlichen Rentenalters (Frauen 64 Jahre, Männer 65 Jahre) weiterhin einzahlen, sofern sie noch erwerbstätig sind.

 

Trotz einem vorübergehenden Unterbruch der Erwerbstätigkeit bleibt die Abzugsberechtigung der Säule 3a erhalten, sobald ein AHV-pflichtiges Ersatz- oder Erwerbseinkommen bezogen wird (z.B. Militärdienst, Mutterschaft etc.).

 

Du kannst dieses Jahr nicht den Maximalbeitrag in deine Säule 3a einzahlen? Keine Sorge, Einzahlungen sind bereits ab CHF 1.- möglich. Wir zeigen dir, warum sich die Säule 3a auch lohnt, wenn du nur wenig Geld zur Verfügung hast.

 

 

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