Free calculator

Your full pension: 1st + 2nd pillar

AHV + occupational pension together, calculated from your hourly wage, your hours and your AHV contribution years.

Your age

Hourly wage (CHF)

Hours per week

Number of employers

Cleaning for several households? Count them all.

AHV contribution years already made

BVG plan (2nd pillar)

Fine-tune your result (marital status, children, other income)

I have childrenI'm marriedI had another registered job before

Your estimated total pension at 65

CHF 1,368

1st pillar (AHV): CHF 1,2202nd pillar (BVG): CHF 148

That's 52% of your current wage

You're CHF 1,261 a month short of your current wage

Without registration vs. with registration

What happens if you stay officially insured from today. Instead of freezing where you are.

If you stop today

CHF 174

/mo

If you stay registered until 65

CHF 1,368

/mo

Difference: +CHF 1,193/mo

1st pillar: AHV in detail

Determining average annual income

CHF 31,546

Contribution years

35 of 44

1st pillar (AHV)

CHF 1,220/mo

Which AHV years you're missing is in your IK extract. To the AHV gap calculator →

2nd pillar: occupational pension in detail

Pension certificate (example)Your employer's pension fund

Annual AHV wage: CHF 31,546
Insured wage: CHF 5,086
Retirement credit per year (10 %): CHF 509
of which you pay at most: CHF 254/yr
Retirement savings at 65: CHF 26,048
Retirement pension: CHF 148/mo

Calculated with your numbers, 1.25% interest a year and a 6.8% conversion rate.

If one employer pays you more than CHF 22,680 a year, they must insure you with a pension fund. The fund sends you the real certificate every year. Never received one? Ask your employer which fund you're insured with.

Pension funds for household employees compared →

Are you a cleaner?

Optionally add your employer's name, copy the message and send it via WhatsApp.

Your employer's name (optional)

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 1'368/mo. 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/pension-planner

Open WhatsApp

Do you employ someone?

With these numbers she gets CHF 174 a month at 65 if nothing more is paid in from today, and CHF 1'368 if she stays registered until 65. Every registered year counts for her AHV and her pension fund.

Free for 30 days. Clino prepares the registration with the compensation office and the payslips, and shows you which insurances go with it. Filing and signing up is up to you.

Based on FSIO 2026 pension ordinance · BVG Art. 8/16 · AHV21 · Anonymous calculation · No storage

Frequently 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?▾

When one employer pays you more than CHF 22,680 a year (2026). Retirement saving starts at 25. The duty is per employer: several small wages added together don't trigger it. That's why many part-time cleaners have no 2nd pillar, though it's still possible voluntarily.

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.