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OASI Pension Calculator

Calculate your OASI retirement pension and the pension gap.

The OASI retirement pension forms the first pillar of the Swiss pension system. The pension amount depends on the average annual income and the number of contribution years. For married couples, pensions are capped and may together not exceed 150% of the maximum pension.

Related Calculators

Pillar 3a

Maximum 3a contribution 2025/2026 and individual tax savings for employees and self-employed persons.

Capital Withdrawal Tax

Calculate the tax on capital withdrawals from pension funds and Pillar 3a.

3a Staggering

Calculate the tax savings from staggered withdrawal of your 3a accounts.

Pension scale 44 -- How is the pension calculated?

The full OASI pension is received by those who have paid contributions without gaps from age 21 (scale 44 for men and women born from 1964). Missing contribution years lead to a lower pension scale and thus a reduction. The relevant average annual income determines the pension amount within the scale. The minimum pension is CHF 1,260 per month, the maximum pension CHF 2,520 per month (as of 2025).

Spousal capping

When both spouses receive an OASI pension, the two individual pensions are added together and capped at a maximum of 150% of the maximum pension. This gives a maximum of CHF 3,780 per month for the couple. The capping means that married couples receive proportionally less than two individuals. This should be taken into account in retirement planning.

The three pillars of retirement provision

The Swiss pension system consists of three pillars: - 1st pillar (OASI/DI): State provision, subsistence level - 2nd pillar (BVG): Occupational provision, accustomed standard of living - 3rd pillar (3a/3b): Private provision, individual supplement OASI alone typically covers only 30-40% of the last income. The difference must be bridged by the 2nd and 3rd pillars.

Frequently Asked Questions

What happens with contribution gaps?+
From what income do I receive the maximum pension?+
Can I draw the OASI pension early or defer it?+