{"id":1736,"date":"2021-10-09T17:07:31","date_gmt":"2021-10-09T16:07:31","guid":{"rendered":"https:\/\/ajooda.ch\/en\/?p=1736"},"modified":"2022-10-03T16:33:15","modified_gmt":"2022-10-03T15:33:15","slug":"how-much-is-my-ahv-pension-in-switzerland","status":"publish","type":"post","link":"https:\/\/ajooda.ch\/en\/how-much-is-my-ahv-pension-in-switzerland\/","title":{"rendered":"How much is my AHV pension in Switzerland"},"content":{"rendered":"\n
How much pension will I\nreceive and what is the maximum AHV pension?<\/h2>\n\n\n\n
The maximum\nAHV pension for individuals in 2021 is CHF 2,390 per month and CHF 28,680 per\nyear.<\/p>\n\n\n\n
You can\nonly claim this maximum AHV pension if you have paid into the scheme for 44 contribution\nyears and have an average AHV income of CHF 86,040.<\/p>\n\n\n\n
If you miss\ncontribution years due to a late move to Switzerland, unemployment where you\nwere no longer entitled to unemployment benefits (retired) or stays abroad,\nyour pension will be reduced by 2.27% for each missing contribution year.<\/p>\n\n\n\n
AHV pension calculation<\/h2>\n\n\n\n
It is also logical that not everyone can have an average AHV of CHF 86,040. Accordingly, the AHV pension is reduced according to the AHV pension table (scale 44).<\/p>\n\n\n\n
Those who\nhad few AHV deductions or made few AHV contributions due to low wages and have\nan average income of less than CHF 14,340.- without a contribution gap receive\na minimum AHV pension of CHF 1,195.- per month.<\/p>\n\n\n\n
The\ncorresponding education and care credits<\/strong> are still added to the annual\nincome.<\/p>\n\n\n\n
This is\nmainly so that the spouse who had to stay at home because of the children does\nnot miss out.<\/p>\n\n\n\n
Nevertheless,\nmost of them do not even get close to the maximum AHV pension.<\/p>\n\n\n\n
In\naddition, many housewives and part-time employees will also receive a very low\nor no BVG pension due to their low workload.<\/strong><\/p>\n\n\n\n