PrämienheldTax-supported pension planning
Contributions may be deductible from taxable income within the statutory framework.
Personal Swiss comparison
Pillar 3a calculator: see your pension projection
See how your pension capital could develop up to age 65.
Free · personal · non-binding
Prämienheld in numbers
Personal service. Tangible experience.CHF 783Average saving per person per year*
CHF 638’250Total premiums saved*
750+Customers supported
23+Insurers in comparison
Figures supplied by Prämienheld, confirmed September 2026. *Figures from previous comparisons; individual savings depend on the policy and available offers and are not guaranteed.
Prämienheld
Why pillar 3a can be powerful.
A strong decision is based on more than a low price. Our comparison puts your needs, your existing cover and your next move into a clear picture.
Use capital for defined purposes
Under statutory conditions, 3a capital can be relevant for owner-occupied property or starting self-employment.
Plan towards 65
The projection makes compounding visible without promising a return.
Pillar 3a calculator and personal comparison
The calculator illustrates your assumptions up to age 65. A personal comparison also considers costs, investment approach, tax saving and fit with your plans.
Interactive calculator
Your pillar 3a projection
Adjust the assumptions and see a clear illustrative scenario.
Illustrative assets at 65–
Calculated tax saving*–
*Illustration with a 25% marginal tax rate. The actual tax effect depends on income, civil status, canton and municipality.
Scenario from today to age 65 · no investment advice
Your route
From first question to a clear choice.
1
Share your situation
A few details or your current policy are enough to get started.
2
Receive a structured comparison
We make premiums, relevant cover and open questions easy to understand.
3
Decide at your pace
If you wish, a suitable specialist partner can take the next step with you.
Why Prämienheld
More clarity. Less unnecessary effort.
A personal comparison makes it easier to see where your policy stands today and which next step is worth taking.
What you receive
- A clearly structured starting point
- Options matched to your goal
- A voluntary policy upload
- A personal next step if desired
Ready when you are
Your policy can be the easiest place to start.
Upload it voluntarily and let us prepare a personal comparison.
FAQ
Questions before you start
Is the comparison binding?
No. You decide whether and how to proceed after receiving the comparison.
What happens to my uploaded policy?
It is transmitted in encrypted form and used only for the requested review. The upload is voluntary.
Can I combine different insurance areas?
Yes. We can structure health insurance, pension and selected property cover around your situation.
Prepare your comparison