The pillar 3a maximum amount 2023 is CHF 7’056.- for employees who are not self-employed and are connected to the pension fund.
On the other hand, the pillar 3a maximum amount 2023 for self-employed persons is CHF 35’280.- (Tip: Always five times the maximum contribution for non-self-employed persons), however, a maximum of 20% of the net income.
This applies to all self-employed persons who are not affiliated with a pension fund.
These figures are per person. This means that if a married couple has two incomes and is employed, they can deduct CHF 14’112.- from their taxes! This is immense and can save a LOT of taxes.
The pillar 3a maximum amount is increased every 2 years, since at this time the AHV pensions are usually also adjusted to inflation.
How high is the tax saving if I pay in the pillar 3a maximum amount 2023?
The tax savings from Pillar 3a varies enormously depending on where you live. Examples:
Single, Roman Catholic, CHF 7’056.- paid into pillar 3a.
Net taxable income:
| Resident in 3001 Bern | Tax savings |
| CHF 60’000.- | CHF 1’793.- |
| CHF 100’000.- | CHF 2’362.- |
| CHF 140’000.- | CHF 2’732.- |
| Resident in 6005 Lucerne | |
| CHF 60’000.- | CHF 1’475.- |
| CHF 100’000.- | CHF 1’740.- |
| CHF 140’000.- | CHF 2’078.- |
| Resident in 8001 Zurich | |
| CHF 60’000.- | CHF 1’427.- |
| CHF 100’000.- | CHF 1’928.- |
| CHF 140’000.- | CHF 2’415.- |
Especially in cantons with a high tax rate such as Bern, Geneva, Neuchâtel etc., a 3rd pillar makes enormous sense, as the tax savings are even higher there.
It is not uncommon for our clients to save almost CHF 2,500 in taxes per Person.
Questions?
- Would you like to know how high the tax savings are in your municipality of residence?
- Do you want to achieve a good return on your 3a capital in the long term?
- Would you like to set up a monthly savings plan for your children?
- Are you interested in indirect amortization with the 3a (mortgage)?
- What other advantages does pillar 3a offer you?
Our pension advisors are highly trained in retirement planning. Each client receives individual advice based on his or her needs.
Call us and make a personal appointment with us, at your place or via Zoom/Microsoft Teams, we will be happy to assist you.
