Example
For 2027, the maximum deduction is CHF 7,373 if you are affiliated with a second-pillar scheme. Without a second pillar, the maximum is 20% of qualifying earned income, capped at CHF 36,864. To estimate the tax saving, compare your official ESTV total before and after the eligible deduction.
How it works
The legal deduction limit depends on the tax year, second-pillar membership and, without a second pillar, qualifying earned income. The final tax saving also depends on household, municipality, canton, church tax and deductions. Use the ESTV calculator with the same details in both scenarios and add the pillar 3a contribution only to the second.
Frequently asked questions
Is the tax saving an automatic estimate?
The contribution limit is calculated from the official rule. The tax saving is the difference between the two total amounts you enter from the official ESTV calculator.
What if I am self-employed and have no second pillar?
The maximum is 20% of qualifying earned income, up to the annual large-contribution limit. Enter the earned income for this tax year.
What if my contribution is above the limit?
The tool shows the excess separately. Enter the legally deductible contribution in the second ESTV run to get a useful tax comparison.
Does this choose a bank or 3a product?
No. It compares tax scenarios only and does not recommend a provider, account or investment.
Are withdrawals included?
No. Future lump-sum withdrawal tax is a separate calculation and depends on the canton and timing.
Are my tax amounts uploaded?
No. Both the deduction limit and comparison are calculated in your browser. The entries are not sent to a server.
Limits and accuracy
Use realistic values. The tool explains assumptions and does not replace professional, official or safety advice where that applies.