2026 maximum for an employee: CHF 7,258, about CHF 605 per month. In 2027 the limit rises to CHF 7,373.
Average annual return
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Used to estimate your tax saving in Geneva: {{ecoAnTxt}} CHF a year with this payment.
In {{ans}} years, you would have
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for {{verseTxt}} CHF paid in from your own pocket. That's {{multTxt}} times your stake.
Pillar 3a capital
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of which {{gainTxt}} in gains
Tax saved
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{{ecoAnTxt}} CHF a year for {{ans}} years
Saving reinvested
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Even at 4% a year
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The cautious scenario, in total
Why it works so well
01
Every franc you pay in lowers your tax
Your payment is deducted from your taxable income. In Geneva, a maximum payment saves about CHF 1,900 to 2,800 in tax per year depending on your salary.
02
Invested in shares, it really grows
A securities-based 3a account invests your money in global markets. Over 20 years, compound interest makes a huge difference compared with a classic savings account.
03
Open several accounts
Withdrawals are taxed at a reduced rate, and that rate rises with the amount withdrawn. With 3 to 5 accounts withdrawn in different years, each withdrawal is taxed separately, at a lower rate.
Open your pillar 3a
Securities-based 3a apps, low fees
Open online in a few minutes, with your permit and your AVS number.
The best known
VIAC
Up to 99% in shares, ready-made strategies, several accounts possible.
Open my VIAC account →Very low fees
finpension
Strategies up to 100% in shares, up to 5 pillar 3a accounts.
Discover finpension →From a cantonal bank
frankly
The 3a app of the Zurich Cantonal Bank, simple and cheap.
Discover frankly →Your tax saving
Don't spend it: reinvest it every year.
An automatic ETF savings plan, from a few francs a month. That's what takes your total to the next level.
Can I deduct my pillar 3a?
Resident, income below CHF 120,000
You are taxed at source: request a subsequent ordinary assessment (TOU) before 31 March of the following year so your payment counts.
Resident, income above CHF 120,000
You automatically move to ordinary taxation: the deduction is taken into account in your tax return.
Cross-border commuter
Only deductible if you are a quasi-resident: at least 90% of the household's income taxed in Switzerland. Otherwise 3a is still possible but with no tax saving.
Indicative simulation. Past returns do not guarantee future returns: an investment in shares can fall. Returns net of fees, payments at the start of the year, tax saving estimated for Geneva and reinvested at the same return. Sources: FSIO, 2026 amounts · tax savings and withdrawals in Geneva. Some links are partner links.