BVG / LPP Pension Contribution Calculator

Estimate 2nd pillar employer & employee contributions based on salary and age group

2026 thresholds

Employee Parameters

Coordinated salary
—
gross minus CHF 26,460
Total contribution rate
15%
of coordinated salary

Contribution Breakdown

Total annual contribution
—
— / month
Employer share (≥ 50%)
—
— / month
Employer vs. employee split
Employer 50%
Employee 50%
Contributions across age groups.

Key 2026 BVG Thresholds Reference

Parameter2026 ValueNote
Minimum entry salaryCHF 22,680 / yearBelow this: BVG is optional
Coordination deductionCHF 26,460 / yearDeducted from gross salary to get coordinated salary
Maximum insured salaryCHF 90,720 / yearMandatory BVG cap
Maximum coordinated salaryCHF 64,260 / year90,720 − 26,460
Minimum coordinated salaryCHF 3,780 / yearFloor when salary is just above entry
BVG minimum interest rate1.25%Applied to mandatory savings balance

*Employers may fund more than 50% of the premium. Rates above are the mandatory BVG minimum. Many pension funds apply envelopes ("Umhüllungsplan") that exceed these minima. Always confirm with your pension fund.