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3rd pillar and taxes: deduct up toCHF 7'258.- in 2026
- 💸1'450.- to 2'300.- in taxes saved per year
- 🎯Your exact amount, calculated from your real situation
- 👀The calculation and the offers appear directly online
- 📊top 40 banks and insurers compared right afterwards
100% Free - No registration
4.8 out of 5 ★★★★★ See the 202 reviews
How much can you deduct in 2026?
Every franc paid into a 3rd pillar 3A comes out of your taxable income.
| Your situation | Max. deduction | Taxes saved* |
|---|---|---|
| Employee with LPP | 7'258.- | ~2'200.- |
| Self-employed without LPP | 20% of income | up to ~10'900.- |
| Couple, two salaries | 2 × 7'258.- | ~4'400.- |
| Geneva / Fribourg | 3A + 3B entitlement | depending on household |
* Savings estimated at 30% of the deductible amount.
With your 3rd pillar, receive up to 650.- as a gift
Everything happens online — start deducting up to 7'258 CHF per year from your taxes!
1. Our algorithm asks you a few questions
Tell it your income, your canton and your LPP status.
It calculates your exact deduction, then ranks the best offers according to your goals.
- Instant calculation, no contact details requested
2. View your third pillar comparison on screen
Switzerland's best 3rd pillar companies, personalized and broken down for you:
Guarantee, return, historical performance, fees — and each company's PDF offers so you can check everything.
You also see every company we don't recommend and why. That's our definition of transparency.
- Everything is visible online, instantly and free of charge
| Company | Return | At 65 |
|---|---|---|
 | 9.15% | 1'167'065.- |
| 7.10% | 748'695.- |
| 5.89% | 605'157.- |
| 4.14% | 424'709.- |
3. Start your 3rd pillar from home
Choose the best 3rd pillar offer for you and fill everything out online.
A qualified advisor will review your completed application and remain available to help you now and in the future.
- Online validation on the same terms as going directly to the company
🎁 Receive up to 650 CHF in gift cards
When you pay your first premium with any insurer, we give you a gift card worth your monthly savings amount (from 50 CHF to 650 CHF), at one of these retailers:
100% Free - Official partners
This 3rd pillar comparison tool is one we created for you.
★★★★★ 202 verified Google reviews. Thank you ❤️
I spoke with David Bolognesi, who gave me a very good comparison for my pillar 3a.
Thank you for the effort put into my case.
Excellent service! I recommend it!
Personalized support and fast turnaround. I'm delighted!
Thanks for everything 😍
Thank you for the existence of this organization, which should be of major public interest, given all the different investment solutions available in Switzerland…
Once again, thank you Sparta Group.
Sparta advised and guided me very well on the various aspects of the 3rd pillar.
They were an invaluable help and inspire the trust and warmth I would expect from an advisor.
I used this service to get advice on the 3rd pillar and I recommend them without hesitation.
I got in touch with David, who was very transparent and efficient.
A big thank you for Sparta's advice, which was invaluable for my financial future.
I highly recommend Sparta Group's services
100% Free - Official partners
Do you have other questions about this 3rd pillar comparison tool?
By when must I pay in to deduct for the current year?
The payment must be credited before 31 December. In practice, open your 3rd pillar by early December at the latest so that the company has time to process your file.
How much tax will I pay on withdrawal?
The 3A capital is taxed separately from income, at a preferential, progressive rate of around 2 to 8% depending on the canton and the amount — significantly less than the income tax saved each year.
What if I'm taxed at source?
The deduction is still possible, but it goes through a subsequent ordinary assessment request (T.O.U.). The comparison tool tells you whether your situation allows it and what that involves.
How can you be sure our 3rd pillar advice is neutral?
The algorithm is designed to take into account only the proven facts and figures of each offer, and you can verify everything thanks to the live display of the offers received directly from the companies
You are the one who chooses, based on all the factual information you obtain.
And our Google rating and reviews have spoken for us for over 10 years!
Why not go directly to the insurance company?
At the company you would also have an advisor paid in exactly the same way as us, but they will only have access to their own company's offers and will therefore not be able to provide objective advice.
Our offers also have the same terms as theirs, but you also get the gift voucher on top!
Then, if you want to change your mind later, you can do so at any time and get an advisor from the company directly.
Why are our 3rd pillar advisory services 100% free?
If you go ahead with a 3rd pillar solution, the company you choose is the one that pays us.
If you don't choose anything, then we'll be glad to have helped you see things more clearly, free of charge 😃