TaxEngineSwitzerland
TaxesPensionBusinessReal EstateDeveloperAbout us

Taxes

  • Income and Wealth Tax
  • Tax Comparison Between Municipalities
  • Tax Ranking
  • Marginal Tax Rate
  • Net Salary
  • Wealth Tax
  • Deductions
  • Marriage Penalty
  • Church Exit: Calculate Tax Savings
  • Inheritance Tax
  • Gift Tax
  • Tax Apportionment
  • Tax Shield / Bouclier Fiscal
  • Swiss Tax Burden Map
  • Withholding Tax at Source
  • Withholding Tax vs. Tax Return
  • Home Office Deduction

Pension

  • Pillar 3a Maximum Contribution and Tax Savings
  • Pillar 3a Staggering
  • Pension Withdrawal Tax
  • Pension Fund Contributions
  • Annuity or Lump Sum
  • OASI Pension
  • OASI Deferral
  • Early Retirement
  • Pension Gap
  • Wealth Planning Switzerland

Business

  • Dividend vs. Salary
  • Corporate Tax
  • Corporate Tax Comparison Between Locations
  • Market Salary
  • Payroll Costs
  • OASI Contributions
  • VAT
  • Freelancer Hourly Rate
  • Liquidation Tax
  • Company Car
  • Participation Deduction
  • Partial Taxation
  • Withholding Tax
  • Stamp Duty
  • Working Days

Real Estate

  • Imputed Rental Value
  • Property Maintenance Deduction
  • Property Tax
  • Property Gains Tax
  • Property Transfer Tax
  • Affordability
  • Fixed-Rate vs. SARON Mortgage
  • Amortise or invest
  • Indirect Amortisation
  • Advance Withdrawal
  • Rent or Buy
Legal NoticePrivacy PolicyDisclaimer

Calculate Early Retirement

OASI reduction, pension fund loss, income gap, and OASI contributions as a non-employed person -- all costs of early retirement at a glance.

Early retirement has far-reaching financial consequences. The OASI pension is reduced for life, the pension fund pays less due to a lower conversion rate and missing age credits, and OASI contributions as a non-employed person are due until age 65.

Related Calculators

OASI Pension

Calculate your OASI retirement pension and the pension gap.

Annuity vs. Lump Sum

Compare pension fund annuity and lump-sum withdrawal. Break-even, taxes, and net payouts over time.

OASI Deferral

Defer OASI pension: supplement, break-even and cumulative advantage over time.

OASI reduction for early drawdown

Since the AHV 21 reform (2024), the reference age of 65 applies to both genders. Early drawdown is possible from age 63 (to the exact month). The reduction is 6.8% per year of early drawdown (Art. 40 AHVG). With 2 years of early drawdown, the pension drops by 13.6% -- for life. Example: Maximum pension CHF 2,520/month, 2 years early drawdown → CHF 2,177/month, i.e. CHF 4,116 less per year.

Pension fund: double impact

Early retirement hits the pension fund twice: 1. Missing age credits: From age 55, occupational pension contributions amount to 18% of the coordinated salary. Each missing year reduces the retirement capital. 2. Lower conversion rate: For each year of early retirement, the conversion rate drops by approximately 0.15-0.25 percentage points. The combined effect can reduce the pension fund annuity by 15-25%.

OASI contributions as a non-employed person

Anyone who stops working before 65 must still pay OASI/DI/IC contributions (Art. 10 AHVG). The amount depends on wealth and pension income. Minimum contribution: CHF 530/year. With high wealth, it can amount to several thousand francs.

Frequently Asked Questions

From what age can I take early retirement?+
Is partial retirement a better alternative?+
Can the OASI reduction be compensated?+