AHV/IV/EO contribution rate in 2025
In Switzerland, everyone in gainful employment contributes to social security through compulsory contributions. These contributions finance the old-age insurance (AVS), disability insurance (AI) and loss of earnings (APG) and are deducted as a percentage of salary.
- Contribution
- Employee %
- Employer
- Total / independent
- AVS
4.35
4.35
8.70 / independent: 8.10
- AI
0.70
0.70
1.40
- APG
- Total AHV/IV/EO contributions
5.3
5.3
10.6
All in all, contributions toAVS, AI, and APG in Switzerland are respectively: 8.7%, 1.40%, and 0.50%. All in all, 10.6% of the salary is deducted. Half of the contribution is paid by the employer, the other half by the employee.
Maximum AHV (OASI) pension
The maximum AHV pension in 2025 is:
- CHF 2,520 / month, or CHF 30,240 / year
In 2025, the maximum AHV (Old Age and Survivors' Insurance) pension in Switzerland will be set at CHF 2,520 per month for a single person with a full contribution period and an average annual income of at least CHF 90,720.
Maximum AHV pension for couple
The maximum AHV pension for a couple in 2025 is:
- CHF 3,780 / month, or CHF 45,360 / year
For married couples, the combined total of both pensions is capped at 150% of the maximum single-person pension, which amounts to CHF 3,780 per month.
Minimum AHV pension
The minimum AHV pension in 2025 is:
- CHF 1,260 / month, or CHF 15,120 / year
In 2025, the AVS pension amount (old-age and survivors' insurance) in Switzerland is set at CHF 1,260 per month for a single person with a full contribution period.
This amount applies to people who have made uninterrupted contributions for the full required contribution period and have a average annual income less than or equal to CHF 15,120.
AHV contributions
- Total AHV/IV/EO rate for employees: 10.60 % of gross salary
- Total AVS/AI/APG self-employed rate: Between 5.371% and 10% of earned income
In 2025, AVS contributions in Switzerland are set at 10.6% of gross salary for employees, split equally between employer and employee, at 5.30% each.
For self-employed individuals, the contribution rate is progressive based on income: it ranges from 5.371% to 10%, with the maximum rate of 10% applying to annual income starting from CHF 60,500.
The people not in gainful employment must pay an annual membership fee of between CHF 530 and CHF 26,500This is based on wealth and pension income. Finally, salaries below CHF 2,500 per year are only subject to contributions at the employee's request.
How are AHV pensions calculated?
1. Contribution period
2. Average annual income
3. Bonuses
Once these elements have been met, the pension is calculated according to a scale of rates defined by the Confederation. If the person has not paid contributions for the full period required, the pension is reduced proportionally. On the other hand, it is not possible to obtain a pension higher than the maximum pension, even in the case of high income.
Invexa helps you plan your retirement
Calculating your AVS pension is complex, and only represents a fraction of your future retirement income. To anticipate this step with peace of mind, it's essential to adopt a global vision that includes your pension fund, your 3rd pillar, your private assets and tax optimization. At Invexa, we can help you build a comprehensive, tailor-made retirement strategy.
Contact us for a free initial discussion and get a clear picture of your future retirement.
