Understand the Swiss three-pillar system, your entitlements, and how to protect your family — written clearly, based on current Swiss law.
The free SwissPillars calculator uses your real AHV, BVG, and Pillar 3 data to show exactly what your family would receive — and the gap you need to plan for.
Run the free simulation →How AHV, BVG, and Pillar 3 work together to protect Swiss residents — and why all three matter for your family's security.
Pillar 1 — AHVContribution rates, pension amounts, widow and orphan pensions, expat rules — everything you need to know about Pillar 1.
Pillar 2 — BVGYour Vorsorgeausweis decoded, how contributions work, what your family receives on your death, and the buy-in opportunity.
Pillar 3a — Tax SavingsHow much tax you save, bank vs insurance 3a, withdrawal strategy, and what your 3a pays your family on death.
Pillar 3b — Term LifeWhy AHV and BVG aren't enough, how to calculate your cover need, typical Swiss costs, and joint vs separate policies.
Family Financial PlanningWhat income your family receives, which expenses change, the monthly gap, and what the surviving partner should do immediately.
Expats & Swiss PensionsAHV and BVG for non-Swiss residents, what happens when you leave, bilateral agreements, and the expat family protection gap.