Tax Staggering Planner

Save thousands with the right account staggering

When withdrawing Swiss Pillar 3a funds, tax progression applies. Spreading your balance across multiple accounts and withdrawing them in stages significantly reduces your tax burden.

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Enter your balance
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Select your canton
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See the optimal staggering
Staggering Planner

Calculate your optimal staggering

Enter your total Pillar 3a balance and your canton. We calculate the tax-optimal number of accounts.

CHF
Current total value plus expected contributions until retirement
Tax domicile (canton of residence)
years
Max. 5 withdrawal years possible
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Legal Notice (FinSA/FIDLEG): This is not a financial services offer within the meaning of the Swiss Financial Services Act (FinSA). We provide exclusively technical services: analysis of documents, preparation of standard forms, and general information templates. This is neither investment advice, asset management, nor an individual recommendation. For personal advice, please contact a licensed financial advisor, trustee, or supervised financial services provider. Calculations are based exclusively on your inputs and do not replace professional review. We accept no liability for accuracy or completeness.
Your tax comparison Canton --
Tax on lump-sum withdrawal (1 account) CHF --
Tax with optimal staggering (-- accounts) CHF --
Your tax savings CHF --
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Recommendation

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Comparison: 1 to 5 accounts
Option Amount / account Total tax Savings
Tax burden by number of accounts
Tax burden
Savings vs. lump-sum
Withdrawal plan (year by year)
Recommended staggering over -- years
Year Account Withdrawal Tax
Assumptions & notes: Tax rates are based on published capital withdrawal tax schedules (federal, cantonal, cantonal capital municipality, church tax). Actual tax may vary depending on municipality, tax period, and individual circumstances. This calculation is a planning aid — for definitive tax liability, an individual assessment by the cantonal tax authority is authoritative. Staggering only works with separate Pillar 3a accounts at different providers, withdrawn in different tax years. Staggered withdrawal is possible in the last 5 years before ordinary retirement age (women from age 59, men from age 60).

Swiss Pillar 3a (Säule 3a) is Switzerland's voluntary private pension savings system. Contributions are tax-deductible; withdrawals are taxed at reduced capital rates.