What is the biggest possible amount a person could hypothetically save in the pillar 3a?

How much could a person save for retirement in the pillar 3a, if they always made the highest possible contribution each year?

There is historical data for the maximum amount that a person could save in the past.

A person who made the maximum possible pillar 3a contribution every year from the time that the pillar 3a was established in 1987 would have a total of 328,410 francs by the end of 2025 – not accounting for possible interest or returns. That amount applies to a person with an occupational pension fund (people without a pension fund can make bigger pillar 3a contributions).

It is also important to note that the limit only applies to new contributions. There are not set limits on the amount of interest, dividends, and capital gains earned on retirement savings while they are in the pillar 3a. Depending on how the pillar 3a savings are invested, the final amount could be much higher than the total of contributions.

Important: The maximum amount that you can pay into the pillar 3a can be adjusted by the Swiss federal council. Historically, this has happened every few years. That makes it impossible to accurately calculate the maximum amount that your could save in the pillar 3a in the future.

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