Coordination deduction

What is the coordination deduction?

The coordination deduction is the deduction that is made in the 2nd pillar because you are already insured in the 1st pillar.

Example (as of 2026): If the gross annual salary is CHF 80,000 and the coordination deduction is CHF 26,460, the coordinated salary is calculated as follows: CHF 80,000 – CHF 26,460 = CHF 53,540. This coordinated salary is usually the basis for calculating pension fund contributions. Companies affiliated with FUTURA are free to set lower coordination deductions or waive deductions altogether in order to expand the second pillar.