Tax optimisation
Pillar 3a tax savings simulator
Estimate how much Swiss income tax you could save by contributing to Pillar 3a this year.
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CHF
CHF
2026 cap used here: CHF 7'258CHF
%
Estimated yearly tax saving
CHF 2'250
Estimated marginal tax rate: 31%. Contribution after tax relief costs roughly CHF 5'008 net.
Remaining cap
CHF 7'258
Missed tax saving if unpaid
CHF 2'250
Value by age 65
CHF 482'213
What Warren would do next
•Compare the best Pillar 3a providers for your profile, including fees, equity exposure, risk level, and withdrawal strategy.
•Check whether a cash 3a or invested 3a fits your time horizon.
•Split contributions across multiple 3a accounts to manage withdrawal taxes later.
•Turn the remaining cap into a monthly transfer plan before December 31.
Methodology: Uses the 2026 Swiss 3a caps, an editable marginal tax estimate, and a long-term compounding view. Exact tax savings depend on canton, municipality, religion, deductions, and final taxable income.
Turn estimate into action
Warren helps you capture the saving for real.
This simulator gives you a first estimate. Join early access to get a real profile, action tracking, and step-by-step guidance tailored to Switzerland when Warren launches.
Estimated yearly tax saving
CHF 2'250