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Save up to CHF 2'700
in taxes every year.

1'500+taxes optimized
10+years experience
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Why even bother?

Problem 1
AHV is running dry

In 30–40 years, state pensions will no longer be guaranteed for today's workers.

Problem 2
Pension funds without growth

Falling conversion rates and low returns are eroding what you'll actually receive at retirement.

4 major benefits of a pillar 3a

Save up to CHF 2'700 tax/year

Contributions are fully deductible — up to CHF 7'258 per year.

Grow your capital (tax free)

Choose & change your investment funds anytime.

Finance your home smarter

Use 3a capital for indirect amortization — fully tax-deductible.

Retire up to 5 years early

With the right strategy and an early start, early retirement is realistic.

How much tax can I save in my canton?

Example: Net salary CHF 100'000. Full 3a contribution CHF 7'258/year
📍 LucerneCHF 1'682 / year
📍 ZürichCHF 1'917 / year
📍 BaselCHF 2'020 / year
📍 BerneCHF 2'344 / year
📍 LausanneCHF 2'518 / year

Want to know exactly how much YOU are overpaying in taxes?

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The power of starting early
Those who start later get punished!
Both save CHF 300/month at 5%/year. Only difference: Jonas starts 10 years earlier.
M
Maria
Starts at 35 · CHF 300/month
Duration
30 years
Contributions
CHF 108'000
Interest earned
CHF 137'657
Capital at 65
CHF 245'657
J
Jonas
Starts at 25 · CHF 300/month
Duration
40 years
Contributions
CHF 144'000
+ CHF 36'000
Interest earned
CHF 302'657
+ CHF 165'000
Capital at 65
CHF 446'657
✓ Winner — CHF 201'000 more
What if Maria starts with CHF 500/month instead?

Even then, her capital at 65 would be CHF 409'429 — CHF 37'000 less than Jonas. Starting late cannot be fully compensated.

The best time to start is now. Rather start small today than trying to catch up later.

Start my pillar 3a →

How much capital will I receive when I retire?

Compound interest calculator

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1%20%
Total capital Paid in
Paid in
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Interest
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Bank vs. Insurance
Which 3a is right for you?
Bank 3a
Insurance 3a
Flexible deposits
✓ Yes
✗ Fixed amount monthly
Savings goal guaranteed
✗ No
✓ Yes
Premium exemption
✗ No
✓ Yes
Additional disability pension
✗ No
✓ Yes (optional)
Life insurance
✗ No
✓ Yes (optional)
Fund investment possible
✓ Yes
✓ Yes
Full value on early withdrawal
✓ Yes
⚠ Reduced
Multiple accounts possible
✓ Yes
✓ Yes
Payments can be paused
✓ Yes
✓ Yes
Biggest differences bank vs insurance

1. At insurance, you deposit a pre-determined amount every month. At Bank you decide how much to contribute (or not) each month.
2. In the very short-term (less than 3 years) bank has lower cancellation fees. If you cancel an insurance 3a in the first 2 years, you may get back less than you paid in.
Bank 3a's only last 2.5 years on average because people often forget them (hurts long-term growth).

Frequently asked questions
Everything you need to know about pillar 3a
Employed: up to CHF 7'258/year (2026).
Self-employed: up to CHF 36'288/year (max. 20% of net income).
You can withdraw in the following cases:
  • Retirement or early retirement (up to 5 years in advance)
  • Emigration from Switzerland
  • Becoming self-employed
  • Receiving a full disability pension
  • Purchasing residential property for own use
  • Repayment of a mortgage
Yes — a capital payment tax applies at withdrawal. However, it is significantly lower than normal income tax (usually around 1/5) and is taxed separately from your other income.
No. The capital in your pillar 3a does not count as part of your taxable assets and does not need to be declared in your tax return. It grows completely free of wealth tax, and no capital gains tax is levied on it either.
A bank 3a offers flexibility — you deposit when you want. In practice, contributions often stop and savings goals are missed. Average duration at Swiss banks is only 2.5 years.

An insurance 3a includes premium exemption (the insurer keeps paying if you can't), optional disability and death coverage, and often a wider fund selection. If your goal is guaranteed retirement savings, insurance 3a is the stronger choice.
Yes — this happens automatically. The statutory order of succession is:
  • 1. Spouse / partner (mandatory)
  • 2. Children (mandatory)
  • 3. Parents · 4. Siblings · 5. Other heirs (order can be customised from position 3)

What our clients say

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★★★★★
"I gave my taxes over to ajooda and within days they were able to finish them. My tax declaration was directly submitted to the tax office. This seriously is a 5 star service."
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★★★★★
"After I had submitted all of my documents digitally I received a phone call that everything worked out. About 10 days later I received an email with feedback. I'm absolutely thrilled!"
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★★★★★
"I found ajooda on Google and I can only recommend them. They gave me an incredibly friendly and professional service. Fast, reliable and always reachable."
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Our goal: Enable everyone to retire 5 years earlier.

As Switzerland's #1 digital tax platform, we've been helping clients with tax savings for 10+ years.
Our partnerships give you access to the best funds in Switzerland.

1'500+
optimized tax returns
10+
years experience
Tailormade
solutions
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