Are you trying to figure out how much you pay in or get out?
Pay in
- 1st pillar: mandatory to pay until legal retirement age (65 men, 64 women). If you don’t work, they will calculate a mandatory amount based on your pension and assets, with a cap of maximum amount due of 25’150.-/year !
- 2nd pillar: only is mandatory to pay if you are employed (with a certain minimum salary, 25’095.- in 2021). You cannot pay in without a job.
Get out:
- 1st pillar, at earliest 3 years before legal retirement age (with each year you anticipate, you lose 6.8% forever). The amount you get varies between 1’195.- and 2’390/month (2021 figures). If you’re married, you get max 1.5x those amounts both (not 2x !)
- 2nd pillar, officially only from 58 years old. Before that, at certain conditions (house payment, establishing an independent position). The amount you can get depends on your paid in capital and employer’s pension regulation. Most of the time you can get your full capital instead of pension.
Hope that helps!