Hey PH! 👋 I'm Adrien, building GetRates.ch, an independent financial comparison platform for Switzerland. Pillar 3a is Switzerland's most powerful tax optimization. Every franc you contribute reduces your taxable income, that's an instant 20-35% return before your money earns anything. But here's the problem: most people either don't use it, or use whatever their bank offers without comparing. I built this calculator because every pillar 3a tool online asks you to guess your own expected return. Most people don't know what realistic Swiss 3a returns look like. Is 3% good? 7%? Our calculator skips the guessing. It pulls real data from Swiss providers and shows you three projection scenarios (conservative, expected, optimistic). Then it compares every major provider (Finpension, VIAC, UBS, PostFinance) and shows the fee impact in real CHF, not just percentages. The number that tends to stop people in their tracks: the difference between a 0.40% TER provider and a 1.50% TER provider, over 35 years, is approximately CHF 220,000. Same contributions. Same markets. Just fees eating the compounding. If you're living in Switzerland (or know someone who is), I'd love your feedback. What would make this more useful? And if you're a 3a user already, did the fee impact match your expectations?

Pillar 3a Calculator

Swiss retirement calculator with real provider data

Swiss retirement calculator with real provider data