Calculating the pension

How is the old-age pension calculated?

Your personally saved retirement capital is converted into a lifelong annual retirement pension as follows:

Existing retirement assets at the time of retirement × Conversion rate in accordance with the regulations

Calculation example:

CHF 100,000 (retirement assets) * 5.3% (conversion rate, as of 2026) = CHF 5,300 (annual retirement pension).

In addition, there are the AHV benefits (1st pillar). You can apply in writing to your compensation office for a pension forecast for this part.