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AHV contributions for early retirees

Stop working before 65 and you still owe AHV contributions, based on your wealth and pension income. Paying keeps your pension complete.

CHF

Taxable wealth: savings, investments, property minus debts. Pension fund and 3a do not count until paid out.

CHF / year

For example a pension-fund pension drawn early. It counts 20 times.

age

Each spouse pays on half of the couple’s wealth and pension income. If your spouse works and pays at least twice the minimum, you may owe nothing.

Your result

Contribution per year
CHF 1’590 / year
Total until the reference age
CHF 23’850
Per month
CHF 133 / month
Assessment base
CHF 800’000

Your result, explained

You would pay about CHF 1’590 / year, or CHF 23’850 over 15 years if your wealth stays the same. Paying keeps your contribution years complete and protects your pension.

Official 2026 table. Compensation offices add a small administrative fee.

Estimates for planning, not advice. Use at your own risk. Read the full disclaimer

How it is calculated

  1. Assessment base = wealth + 20 × yearly pension income (for married couples, half of the couple’s total each).
  2. Contribution from the official 2026 table: the minimum below the first threshold, then a fixed step for every further CHF 50’000, up to the maximum.
  3. Total = yearly contribution × years until the reference age, if your wealth stays the same.

More on why paying matters in AHV gap years.

Frequently asked questions

Do I have to pay if I retire early?

Yes, until the reference age, unless you still work enough or your working spouse pays at least twice the minimum for both of you.

Does my pension fund count as wealth?

No, not while it sits in the pension fund or a vested-benefits account. It counts once paid out. A pension-fund pension counts as income, times 20.

How do I register?

With the compensation office of your canton of residence. It sets provisional contributions from your tax return.

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