Terms of Use

Effective: 17 April 2026

No financial advice

MoneySea provides estimates of Swiss pension entitlements and tax savings. The results are for informational purposes only and do not constitute financial, tax, legal, or investment advice.

No guarantee of accuracy

Actual pension amounts and tax savings may differ due to:

• Individual deductions and personal circumstances
• Changes in AHV, BVG, or tax regulations after our data was last updated
• Employer-specific pension fund rules not fully captured
• Rounding differences and simplifications in our calculation model
• Special situations (e.g., early retirement, disability, divorce)

Always consult a qualified financial advisor before making pension or investment decisions.

Limitation of liability

MoneySea accepts no liability whatsoever for decisions, losses, errors, or service interruptions. Use is entirely at your own risk.

Data sources

• Pension calculations: Based on current Swiss AHV/BVG regulations and contribution tables
• Tax data: Official data from Swiss cantonal tax authorities
• Municipality data: Swiss Federal Statistical Office (BFS)

MoneySea is not affiliated with any Swiss government agency or pension fund.

Intellectual property

All content, design, and code of MoneySea are protected by copyright. Reproduction, scraping, or automated access is prohibited without prior written consent.

Governing law

Swiss law. Place of jurisdiction: Aarau, Switzerland.