How much pension are you losing?
Calculate your AHV gap: every unregistered year costs you pension.
Only years when you were officially registered
You're missing per month, for life
7 missing contribution years
Your pension gap would cover 64 months of rent
And if you lost your job tomorrow?
Without registration, unemployment insurance pays nothing. No matter how long you've worked.
The rule (Art. 13 LACI)
You're only entitled to unemployment benefits if you were officially registered for at least 12 months within the last 2 years.
If you're let go: no matter how long you've worked.
For about 12 months while you look for a new job.
70% of insured wage (80% with children or wage ≤ CHF 3,797/mo) · up to 260 days · Art. 22 & 27 LACI
Want to see your occupational pension (2nd pillar) too?
Go to the full pension calculatorProjection: your pension by retirement age
Are you a cleaner?
Optionally add your employer's name, copy the message and send it via WhatsApp. Everything is pre-written.
Hi, I really love working for you and would like to keep doing it for a long time. I ran the numbers with Clino's calculator: without registration I lose CHF 401/mo in pension - for life - and I'd have zero right to unemployment benefit if let go (up to CHF 2'800/mo). To avoid that I just need to be insured - it's simple, Clino prepares the contract, the registration and the payslips for CHF 19.90/mo. Shall we look at it? https://clino.ch/en/ahv-calculator
“Maria (cleaner, ZH): After 8 years without AHV I had lost CHF 220/mo - now everything is registered.”
Do you employ someone?
This is the harm you are currently causing your cleaner: CHF 401/mo less pension - CHF 96'240 total lifetime loss.
On top of that: if let go, she'd have zero right to unemployment benefit - up to CHF 2'800/mo.
5 minutes. No prior knowledge needed. Clino prepares the AHV, IV, ALV and UVG registration, you file it.
Ready to close the gap? Here is how registration works:
Register your cleaner nowNow I know my risk - what's next?
5 concrete steps. Check off what you've done.
Request my AHV statement from the cantonal compensation fund
Find my compensation fundDiscuss official registration with my employer
Complete the free Clino certificate course
Go to certificateRequest a payslip from my employer
Payslip templateIf behind: apply for retroactive registration (max. 5 years)
Pension Gap Analysis PDF
Personal report with actionable steps
Based on FSIO 2026 data · Formula per AHVG art. 29bis–33bis · Anonymous calculation · No storage Source: FSIO
Frequently asked questions about AHV gaps
What is an AHV gap?▾
An AHV (pension) gap arises when too few or no AHV contributions were paid in a given year. Each missing contribution year cuts the later pension by about 2.3% (1/44).
Why does undeclared work create an AHV gap?▾
If a cleaner isn't registered, no AHV contributions are paid. Those years are missing from the later pension calculation and the gap hits the employee directly.
Can I close an AHV gap retroactively?▾
Contributions can only be back-paid for the last five years. Older gaps remain permanent. Which is why registering correctly from the start pays off.
How do I avoid AHV gaps for my domestic helper?▾
Register the employment with the AHV and settle contributions yearly. Clino prepares the contract, payslip and registration documents for your canton.
Am I entitled to unemployment benefit if I work undeclared?▾
No. You're only entitled to unemployment benefits if you were officially registered for at least 12 months within the last 2 years (Art. 13 LACI). Without registration you get nothing if let go. No matter how long you've worked.
Cleaning & Household
The classic: rights, safety and pro techniques for cleaners.
- ~40 min
- in your language
- PDF certificate with QR code
Ready? First payslip in 5 minutes.
Start for free