🏛️Close AHV Payment Gaps
Fill missing AHV contribution years to maximize your first pillar pension.
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How it works
Gaps in payment can be closed by covering any missing contributions. However, this is only possible for gaps during which you were covered by Switzerland and which have occurred in the last 5 years. It is not possible to make contributions for earlier gaps.
By applying this optimisation, you can simulate what will happen when you close AHV payment gaps in the last 5 years and get an idea of how this will impact the size of your future AHV pension.
✅ Benefits
- ✓Each gap year reduces your AHV pension by approximately 2.3% (1/44)
- ✓Closing gaps can significantly increase your monthly AHV pension
- ✓Contributions for the last 5 years can still be made retroactively
- ✓The AHV pension is inflation-adjusted and paid for life
⚠️ Things to Consider
- !Only gaps from the last 5 years can be closed
- !You must have been covered by Swiss social security during the gap period
- !The cost depends on your income during the gap years
- !Contact your compensation fund (Ausgleichskasse) for exact amounts