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.
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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