How much pension are you losing?
Calculate your AHV gap: every unregistered year costs you pension.
Only years when you were officially registered
All employers together, roughly. It sets how high your pension is.
You're missing per month, for life
7 missing contribution years
Your pension gap would cover 46 months of rent
Your real gaps are in your IK extract
On your individual account (IK) the AHV records your income, usually towards the end of the following year. A year that is really missing can be missing from your pension later. This is what yours could look like, with your numbers:
- 2025no entrycan still be paid
- 2024no entrycan still be paid
- 2023no entrycan still be paid
- 2022no entrycan still be paid
- 2021no entrycan still be paid
- 2020no entrytime-barred
- … and 1 more
- 2018CHF 42,000
- 2017CHF 42,000
- … and 1 more
Example: only your real statement shows which years are missing and with what amount. A year with no entry is a possible gap: check it with the compensation office, using payslips or your annual salary statement as proof. The most recent year is often just not booked yet.
As a rule, missing contributions can only be paid for the last 5 years (Art. 16 AHVG). An older gap does not necessarily mean a smaller pension: contribution years between 18 and 20 can, under conditions, fill it. The compensation office checks this when it calculates the pension.
Official AHV form. You need your AHV number.
And if you lost your job tomorrow?
Without registration, your unemployment benefit is uncertain: you have to prove the work and the wage yourself.
The rule (Art. 13 AVIG)
You're entitled if, within the last 2 years, you worked at least 12 months in a job subject to contributions and were paid a wage. Registered, that is on record. Without registration, the unemployment fund decides case by case whether your proof is enough.
Your approximate gross wage: CHF 3,500 / month
You must prove the work and the wage yourself. Without proof, often nothing.
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 AVIG
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 293/mo in pension, for life, and if let go my unemployment benefit would be uncertain, because I'd have to prove the work and the wage myself (registered, up to CHF 2'800/mo). To avoid that you just need to register me. It's simple: Clino prepares the contract, the registration and the payslips for CHF 19.90/mo plus the usual contributions. Shall we look at it? https://clino.ch/en/ahv-calculator
Do you employ someone?
With these numbers your helper is missing CHF 293 of pension a month, CHF 70'320 over 20 years of retirement. Every year you register her counts towards her pension.
And if she loses the job, without registration her unemployment benefit is uncertain: she has to prove the work and the wage herself. Registered, it would be up to CHF 2'800 a month.
Free for 30 days. Clino prepares the registration with the compensation office and shows you which accident insurance goes with it. You file it yourself.
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.
Order my IK extract (AHV account statement) for free
To the order formDiscuss 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 (as a rule max. 5 years)
Pension Gap Analysis PDF
Personal report with actionable steps
Estimate based on FSIO 2026 data · Formula per AHVG art. 29bis–33bis · Pension based on your wage, without child-rearing credits or the 13th AHV pension · Contribution years between 18 and 20 can, under conditions, fill gaps: the compensation office checks this · 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?▾
As a rule, contributions can only be back-paid for the last five years (seven after a criminal offence by the employer). An older gap does not necessarily mean a smaller pension: contribution years between 18 and 20 (youth years) can, under conditions, fill later gaps. The compensation office checks this when it calculates the pension. Still, registering correctly from the start pays off.
How do I avoid AHV gaps for my domestic helper?▾
Register the employment with the compensation office and settle contributions yearly. Clino prepares the contract, payslip and registration documents for your canton; you file them yourself.
How do I know which years I'm missing?▾
From your IK extract, the statement of your individual AHV account. You order it for free on ahv-iv.ch and need your AHV number for it. A year with no entry is a possible gap: check it with the compensation office, using payslips or your annual salary statement as proof. The most recent year is often missing only because it has not been booked yet.
Am I entitled to unemployment benefit if I work undeclared?▾
Not automatically. You need at least 12 months of work subject to contributions within the last 2 years, for which you were actually paid a wage (Art. 13 AVIG). If you are registered, that is on record. Without registration you must prove the work and the wage yourself, for example with payslips, bank transfers, messages or witnesses. With cash pay that often fails. The unemployment fund decides case by case: keep your proof and ask them.
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