In 2025, you can contribute 7258 CHF to your 3a

[Baptiste Wicht]

Hi,

Just a reminder that in 2025, the maximum for the 3a has increased to 7258 CHF for employees. For self-employed people, the maximum is 36288 CHF (and up to 20% of the net annual income).

We have filled my third pillar last month and will fill my wife's third pillar this month.

And you, do you plan to max out your third pillars?

If you do not know whether to contribute or not, you can check out this article:

Should You Contribute To Your Third Pillar In 2025? - The Poor Swiss

The third pillar has lower returns than a low-cost index portfolio but will save you some taxes. Should contribute to your third pillar?

thepoorswiss.com

 

[Lelouch]

I will max it out for sure, but this year I will spread it out, add some each month. Unfortunately the arbitrary number 7258 is not perfectly divided by 12.

 

[Michael]

I will max it out for sure, but this year I will spread it out, add some each month. Unfortunately the arbitrary number 7258 is not perfectly divided by 12.

Finpension wrote the following in their email beginning of the year:

"Falls Sie monatlich in die Säule 3a einzahlen möchten, empfehlen wir Ihnen, jeweils CHF 604.80 einzuzahlen. Dies ergibt für 12 Monate CHF 7'257.60. Auf der Steuerbescheinigung wird der Betrag dann auf CHF 7'258 aufgerundet."

So if you do 604.80/month you will get the full tax deduction according to them

 

[Lelouch]

Finpension wrote the following in their email beginning of the year:

"Falls Sie monatlich in die Säule 3a einzahlen möchten, empfehlen wir Ihnen, jeweils CHF 604.80 einzuzahlen. Dies ergibt für 12 Monate CHF 7'257.60. Auf der Steuerbescheinigung wird der Betrag dann auf CHF 7'258 aufgerundet."

So if you do 604.80/month you will get the full tax deduction according to them

Okay that's good to know. I'm with VIAC, I'll check if they do the same. Although I am going to make deposits of 604.83 per month. I will, generously, pay taxes on the 0.06CHF left in the end.