About MoneySea

MoneySea is a free Swiss pension calculator that helps you understand and optimise your retirement outlook across all three pillars of the Swiss pension system.

How it works

Enter your personal and financial details. MoneySea calculates your projected pension income from AHV (1st pillar), occupational pension (2nd pillar), and private savings (3rd pillar) — including potential tax savings from optimisation strategies.

Key features

• Comprehensive analysis — All three pillars in one view
• Tax savings — Discover annual and one-time tax savings through pension optimisation
• Five optimisation strategies — AHV gap closure, PK purchase, 3a investment, reinvestment, and distribution
• Partner support — Full calculations for married couples
• PDF reports — Download detailed pension reports
• Multilingual — Available in German, English, French, and Italian

Data sources

• Pension calculations — Based on current Swiss AHV/BVG regulations
• Tax data — Official cantonal tax data
• Municipality data — Swiss Federal Statistical Office (BFS)

Swiss-made

MoneySea is built in Switzerland, for Switzerland. Our calculations are based on current Swiss pension regulations, tax rates, and contribution limits.

Disclaimer

MoneySea provides estimates for comparison purposes only. This tool does not replace professional financial advice. See our Terms of Use.

Contact

Questions or feedback? i@moneysea.ch