{"id":2852,"date":"2025-08-11T12:34:11","date_gmt":"2025-08-11T12:34:11","guid":{"rendered":"https:\/\/invexa.ch\/?p=2852"},"modified":"2025-12-04T07:14:46","modified_gmt":"2025-12-04T07:14:46","slug":"rente-avs-couple-montants-plafonnement-et-procedures","status":"publish","type":"post","link":"https:\/\/invexa.ch\/en\/pension\/couple-pension-amounts-limits-and-procedures\/","title":{"rendered":"AHV\/OASI Pension for Couples: Amounts, Caps and Procedures"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"2852\" class=\"elementor elementor-2852\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2921596 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2921596\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-dfd4db2\" data-id=\"dfd4db2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4169edf elementor-widget elementor-widget-heading\" data-id=\"4169edf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Couple's AHV pension: what's changing?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d9acfc elementor-widget elementor-widget-text-editor\" data-id=\"5d9acfc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The <strong>maximum AHV pension<\/strong> for a couple in 2025 is:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6f2464 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"d6f2464\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-circle-right\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm-28.9 143.6l75.5 72.4H120c-13.3 0-24 10.7-24 24v16c0 13.3 10.7 24 24 24h182.6l-75.5 72.4c-9.7 9.3-9.9 24.8-.4 34.3l11 10.9c9.4 9.4 24.6 9.4 33.9 0L404.3 273c9.4-9.4 9.4-24.6 0-33.9L271.6 106.3c-9.4-9.4-24.6-9.4-33.9 0l-11 10.9c-9.5 9.6-9.3 25.1.4 34.4z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">CHF 3,780 \/ month, or CHF 45,360 \/ year<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c64c63a elementor-widget elementor-widget-text-editor\" data-id=\"c64c63a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The total amount of the two annuities cannot exceed <strong>150 %<\/strong> of the maximum individual pension, i.e. <strong>CHF 3,780<\/strong> per month. At the time of calculation, income earned during the full years of marriage is divided to balance the entitlements of each spouse.<\/p><p>This mechanism, intended to reflect the solidarity of the couple, can lead to a <strong>reduction<\/strong> if the total exceeds the legal ceiling. Cohabitants are not affected by the AHV ceiling.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-884ab07 elementor-widget elementor-widget-heading\" data-id=\"884ab07\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How is a couple's AHV pension calculated? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-913ab9c elementor-widget elementor-widget-text-editor\" data-id=\"913ab9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tFor married couples or registered partners, the AHV applies two main steps when calculating the pension:\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-499c989 elementor-widget elementor-widget-heading\" data-id=\"499c989\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Income splitting <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4420eb3 elementor-widget elementor-widget-text-editor\" data-id=\"4420eb3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"translation-block\">All income subject to AVS and earned during the full years of marriage is added together and then divided by two. Each spouse is thus credited with half of the couple\u2019s income in their individual AVS account. Income earned before the marriage or after a divorce\/death is not shared. This mechanism is designed to distribute pension rights fairly between the two partners.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27c1985 elementor-widget elementor-widget-heading\" data-id=\"27c1985\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Application of the ceiling for couples <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c476639 elementor-widget elementor-widget-text-editor\" data-id=\"c476639\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Once the individual pensions have been calculated on the basis of the splitting-corrected AHV accounts, the sum of the two pensions is compared with the legal ceiling: 150 % of the maximum individual pension, i.e. CHF 3,780 per month in 2025. If the total exceeds this ceiling, both pensions are reduced proportionally until the authorized limit is reached.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db979ca elementor-widget elementor-widget-heading\" data-id=\"db979ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to increase a couple's AVS pension?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e101085 elementor-widget elementor-widget-text-editor\" data-id=\"e101085\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tAlthough the maximum pension ceiling limits the total amount for a married couple or registered partner, certain strategies can be used to optimize the calculation and limit losses.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b35b74 elementor-widget elementor-widget-heading\" data-id=\"5b35b74\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1. Avoid contribution gaps <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45895c8 elementor-widget elementor-widget-text-editor\" data-id=\"45895c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Each missing year in your AHV history reduces your pension proportionally. It is possible to make up to <strong>5 years behind schedule<\/strong> by pouring <strong>retroactively<\/strong> missing contributions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4bdec87 elementor-widget elementor-widget-heading\" data-id=\"4bdec87\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2. Continue working after the reference age<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a998f4 elementor-widget elementor-widget-text-editor\" data-id=\"3a998f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Working beyond age 65 (AHV reference age) means you can continue to contribute. Earnings above the annual deductible (CHF 16,800) can improve average earnings and thus boost pensions, especially if they replace weaker years.<\/p><p>The annuity can increase the monthly amount of <strong>5.2 % to 31.5 %<\/strong> depending on the duration of the deferral. Joint planning can allow one spouse to increase his or her pension before reaching the couple's maximum.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37d9d23 elementor-widget elementor-widget-heading\" data-id=\"37d9d23\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">3. Check your individual AHV account<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65ab31d elementor-widget elementor-widget-text-editor\" data-id=\"65ab31d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t Check your AHV statements regularly for missing contributions or errors, and correct them in good time.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25c1d4b elementor-widget elementor-widget-heading\" data-id=\"25c1d4b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to fill the gaps in the 1st pillar?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-105889c elementor-widget elementor-widget-text-editor\" data-id=\"105889c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Gaps in contributions to the 1st pillar result in a proportional reduction in the retirement pension. While these missing years cannot always be made up, it is possible to mitigate the effects by strengthening the other levels of pension provision.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8b83642 elementor-widget elementor-widget-heading\" data-id=\"8b83642\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Strengthen your 2nd pillar (BVG)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ee14bf2 elementor-widget elementor-widget-text-editor\" data-id=\"ee14bf2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"translation-block\">The <a href=\"https:\/\/invexa.ch\/en\/pension\/2nd-pillar\/\" target=\"_self\">second pillar<\/a>, funded by employee and employer contributions, supplements the AVS pension to maintain a retirement income of around 60% of the last salary. In the event of an interrupted career or lower earnings during certain periods, it is possible to make voluntary buy-ins to one\u2019s pension fund. These buy-ins directly increase the retirement savings capital and, therefore, the future pension or lump sum at retirement, while also being tax-deductible. The earlier they are made, the greater the effect of compound interest.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1440ab0 elementor-widget elementor-widget-heading\" data-id=\"1440ab0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Make the most of Pillar 3 A<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9fd2627 elementor-widget elementor-widget-text-editor\" data-id=\"9fd2627\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"translation-block\">The <a href=\"https:\/\/invexa.ch\/en\/prevoyance\/pilier-3a-tout-savoir-sur-la-prevoyance-liee\/\" target=\"_self\">pillar 3a (tied)<\/a> is particularly attractive for optimising retirement while reducing taxes. Annual contributions are deductible from taxable income up to the <a href=\"https:\/\/invexa.ch\/en\/pension\/maximum-amount-3rd-pillar-a\/\" target=\"_self\">legal limit<\/a> (CHF 7,258 in 2025 for employees affiliated to a pension fund, CHF 36,288 for self-employed individuals without a second pillar). This capital, locked until retirement or under certain special conditions (property purchase, permanent departure from Switzerland, self-employment, etc.), serves to complement AVS and pension fund benefits.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52a0f9b elementor-widget elementor-widget-heading\" data-id=\"52a0f9b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Consider the 3rd pillar B<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-91ca290 elementor-widget elementor-widget-text-editor\" data-id=\"91ca290\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Pillar 3b (unrestricted) offers greater flexibility, as there are no contribution limits or withdrawal restrictions. It does not benefit from the same tax advantages as 3a, but some cantons (such as Geneva and Fribourg) allow contributions to be deducted up to a certain limit.<\/p><p class=\"translation-block\">It allows you to invest or save through solutions tailored to your profile (<a href=\"https:\/\/invexa.ch\/en\/pension\/types-of-life-insurance\/\" target=\"_self\">life insurance<\/a>, savings accounts, <a href=\"https:\/\/invexa.ch\/en\/pension\/life-annuity-good-or-bad-idea\/\" target=\"_self\">life annuities<\/a>, financial investments). Used strategically, it can serve as an essential complement to offset a reduced AVS pension caused by years of missing contributions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d3cf153 elementor-widget elementor-widget-heading\" data-id=\"d3cf153\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conclusion<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-997972e elementor-widget elementor-widget-text-editor\" data-id=\"997972e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Preparing for retirement as a couple is more than just waiting for the legal retirement age: it involves planning and optimization. Understanding the rules for calculating AHV pensions and their implications helps you to anticipate possible reductions, while strategic use of the 2nd and 3rd pillars offers effective levers for preserving your standard of living. The earlier you start thinking about retirement, the more leeway you'll have to build a balanced and secure retirement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>The AHV\/OASI pension for a couple in Switzerland is subject to rules such as a ceiling on the total amount and income splitting. In 2025, a clear understanding of these parameters is essential if you are to plan your retirement effectively and avoid any unpleasant surprises.<\/p>","protected":false},"author":1,"featured_media":2856,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[30],"tags":[43,44,47],"class_list":["post-2852","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-prevoyance","tag-1er-pilier","tag-avs","tag-retraite"],"_links":{"self":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/posts\/2852","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/comments?post=2852"}],"version-history":[{"count":1,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/posts\/2852\/revisions"}],"predecessor-version":[{"id":5766,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/posts\/2852\/revisions\/5766"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/media\/2856"}],"wp:attachment":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/media?parent=2852"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/categories?post=2852"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/tags?post=2852"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}