La vostra mappa finanziaria, a 20 anni
Inserite i vostri saldi iniziali e i versamenti annui. Proiettiamo il patrimonio in ciascun comparto previdenziale, le imposte cumulate lungo il percorso e il morso fiscale del capitale al pensionamento. Matematica semplificata — orientativa, non una previsione.
Inputs
Profile
Starting balances (CHF)
Annual flows (CHF/yr)
Return assumptions (%/yr)
Come funziona
- 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.