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A clear view of your retirement, at your own pace

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✓Swiss and independent ✓Data hosted in Switzerland ✓Built by Swiss retirement specialists

My projected income · from age 65

82 % accuracy

Projection Uncertainty range Adjustable assumptions

What the app does for you

Explore, understand, decide

Your projection

                    CHF
                    {{ d1kpi }}
                    / month
                  

LIVE

confidence {{ d1conf }} %

Today

your current income

At retirement · age 65

AVS + LPP + 3a

AVS pension LPP pension 3rd pillar The projection gets sharper with every document you add.

Recommended for you

ranked by impact

TO DO impact ≈ +CHF 300 / month

Simulate an LPP pension buy-in to fill your gap years

Based on: your answers — 4 missing contribution years.

TO DO conversation · 30 min

Review your early retirement plans with a specialist

Source: OFAS — early withdrawal reduces the AVS pension by 6,8 % per year.

GOOD TO KNOW ≈ +CHF 24’000 in capital

Raise your 3a contributions from CHF 500 to CHF 600 / month

Sources: your answers · OFS, pension fund statistics 2025.

Every suggestion shows what it’s based on — you’re always free to follow it or not.

Pension or lump sum? Move the slider

free simulation — nothing is binding

Share taken as a lump sum {{ d3pct }} %

25 % · legal minimum50 % · your fund’s max

Lifetime pension

CHF {{ d3rente }}

/ month, paid by your fund

Lump sum paid out

CHF {{ d3cap }}

at your disposal, taxed once

Calculated with your fund’s conversion rate (5,3 %) — every assumption stays visible and adjustable.

Exploration — nothing in your accounts is changed.

Can I retire at 62?

Yes — from age 63 for AVS, and often from 58 for your pension fund. Retiring at 62 would reduce your AVS pension by about 13,6 %: your projected income would go from CHF 4’650 to ≈ CHF 3’980 / month.

OFAS — early pension withdrawal Your answers

Ask your question in plain language… →

The AI calculates, you decide

What artificial intelligence calculates for you

Artificial intelligence lets us run calculations for you that would take hours. At every step, you’re the one who checks, completes and decides — and the more you use it, the more closely the calculations match your situation.

→

143 Gross salary · CHF 8’500

3a Contribution · CHF 7’056

✓ Approved by you

It reads your documents

Correct anything inaccurate: the tool learns your real situation and your calculations become more accurate.

Pension fund assets

≈ CHF 250’000 AI estimate — editable

Based on your income, your age and Swiss averages.

CHF 254’000 ✓ Your value

Taken from your pension certificate.

Replace with my value

It estimates what’s missing

Replace its estimates with your real figures: the more you fill in, the more the projection reflects you.

confidence score 82 % uncertainty

It projects your capital

Replay the projection as many times as you like, changing your assumptions.

News · Swiss retirement provision

This affects you LPP

Minimum conversion rate: what changes from 2027

NewAVS

Pensions adjusted for inflation in 2026

It flags what’s changing

It flags regulatory changes and how they affect your situation.

CHF4’650/ month — where does this number come from?

AVS pension · 1st pillar1’900

LPP pension · 2nd pillar2’100

3a withdrawals · 3rd pillar650

It explains every one of its numbers

Every amount unfolds: 1st pillar, 2nd pillar, 3a — with the calculation rule used.

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Our sources

LPP

LAVS

OFSP

OFAS

See all our sources →

Contact a specialist

In all honesty

What the tool can’t do, and what protects you

A calculation tool has limits, and knowing them protects you. Here they are, plainly stated.

LIMIT

It can misread a number

When reading your documents, the tool can get an amount wrong or mix up two fields.

CHF 4’800

CHF 5’200 ✓

✓ CHECK

No value enters your calculations without passing before your eyes. You check it, you correct it in one tap.

LIMIT

Its projections are scenarios, not promises

No one knows what markets, inflation or laws will look like ten years from now. Our projections rest on clearly displayed assumptions.

Return − {{ l2val }} % ＋

✓ ADJUST

Explore freely; every assumption is visible and adjustable. Before a major decision, a specialist double-checks with you.

LIMIT

It doesn’t know your fund’s regulations

Every fund has its own rules: conversion rate, lump-sum share, deadlines. The tool doesn’t know the exact regulations that apply to you.

5,3 % depends on your fund — to be checked

✓ EDIT

We calculate with transparent parameters, flag every figure that depends on your fund, and tell you what to check with them.

LIMIT

It replaces neither an advisor nor your judgment

The tool informs, simulates and compares. It doesn’t give advice in the legal sense, and it can’t grasp what numbers don’t capture.

Our specialists answer

✓ REACH OUT

These decisions are yours to make, and you’re not alone. Our specialists answer your questions, and we tell you when a tax expert or notary is worth consulting.

A tool that’s honest about its limits beats one that promises everything. That’s how we aim to earn your trust.