Your full pension: 1st + 2nd pillar
AHV + occupational pension together — with your real wage, contribution years and 2nd-pillar savings.
Cleaning for several households? Count them all.
Fine-tune your result (marital status, children, other income)
Your estimated total pension at 65
That's 52% of your current wage
You're CHF 1261/mo short of full wage replacement
Without registration vs. with registration
What happens if you stay officially insured from today — instead of freezing where you are.
1st pillar — AHV in detail
2nd pillar — occupational pension in detail
You're mandatorily insured under BVG.
Are you a cleaner?
Optionally add your employer's name, copy the message and send it via WhatsApp.
Hi, I really love working for you. I ran my full pension numbers with Clino's calculator (AHV + occupational pension): if I stay as I am today, I'd get CHF 174/mo in retirement — if I'm officially registered until 65, it's CHF 1368/mo. You don't have to do any paperwork, Clino handles everything for CHF 19.90/mo. Shall we look at it? https://clino.ch/en/pension-planner
Do you employ someone?
If you haven't registered her yet, she's losing up to CHF 1193/mo of her future total pension (AHV + occupational pension).
Register correctly with Clino — CHF 19.90/month5 minutes. Clino handles AHV, IV, ALV, UVG and BVG.
Based on FSIO 2026 pension ordinance · BVG Art. 8/16 · AHV21 · Anonymous calculation · No storage
Ready? First payslip in 5 minutes.
Start for freeFrequently asked questions about your full pension
What's the difference between the 1st and 2nd pillar?▾
The 1st pillar (AHV) is the state base pension for everyone. The 2nd pillar (occupational pension/BVG) is your employer's occupational scheme on top of AHV — together they aim to replace about 60% of your last wage.
From when am I subject to BVG as a household employee?▾
From an annual wage of CHF 22,680 per employer (2026) and from age 25. If you work for several households, the wage per employer often counts separately — which is why many part-time cleaners have no 2nd pillar.
How is my AHV pension calculated if I earn little?▾
The AHV pension depends on your average annual income and contribution years — not just your last wage. With low income you land closer to the minimum pension, not the maximum.
Do years spent raising children count for AHV?▾
Yes. For each year with a child under 16, you get a child-rearing credit that raises your average income for the pension calculation.
Cleaning & Household
The classic: rights, safety and pro techniques for cleaners.
- ~40 min
- in your language
- PDF certificate with QR code