Votre carte financière, 20 ans plus tard
Saisissez vos soldes de départ et vos versements annuels. Nous projetons le patrimoine dans chaque poche de prévoyance, les impôts cumulés en chemin, et la morsure fiscale du capital à la retraite. Mathématique simplifiée — orientation, pas une prévision.
Inputs
Profile
Starting balances (CHF)
Annual flows (CHF/yr)
Return assumptions (%/yr)
Comment ça marche
- 3a growth: simple compound at your chosen return. No fee drag modelled — pick a return ~0.4% below your provider's stated long-term return to account for TER.
- LPP growth: compound at the BVG technical rate (currently 1.25%) on the mandatory portion, your chosen return on voluntary buy-in. Employer contribution assumed steady at 8% of insured salary.
- Investable wealth: annual savings minus 3a / LPP contributions, compounded at your chosen "investment" return. Capital gains tax-free for private investors (Art. 16 Abs. 3 DBG). No wealth tax modelled.
- Annual income tax: approximated as a flat effective rate × gross salary. Real tax is progressive and depends on commune; this is a directional projection, not a tax forecast.
- Lump-sum tax at retirement: 5% effective on 3a + LPP withdrawal. Real rate ranges 2-9% depending on canton and split strategy — see our 3a withdrawal staging tool to optimise.
- What's NOT modelled: AHV/IV pension income at retirement, wealth tax, divorce / inheritance, real-estate (Eigenmietwert), inflation. Treat the projection as nominal CHF in 2026 purchasing power.