Swiss early retirement · bridge calculation
Is your capital enough to reach your pension?
Four steps to the bridge calculation between early retirement and access to Säule 3a, Pensionskasse and AHV — including a tax estimate per canton.
About you
When do you exit, and where do you live?
Default planning horizon (95).
Income, wealth and capital tax: real 2026 ESTV figures.
Real 2026 ESTV tax multipliers; in % of the cantonal capital. Scales the cantonal/communal taxes exactly to your municipality.
If you are a church member, your municipality's church tax is added (real ESTV multiplier).
Include a second person with their own salary, own pillars and own exit age. Wealth and living costs are then calculated as a household.
Educational tool, not financial advice. All calculations run locally in your browser.