Your Guide to AHV Pensions in 2025: Amounts, Conditions, and Calculation

AHV 2025 pension calculation, amounts and conditions
Find out everything there is to know about the AHV (OASI) pension in 2025: eligibility requirements, calculation, current amounts, pension for couples, and much more.

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 minimum AHV/OASI (Old Age and Survivors' Insurance) pension in Switzerland will be 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 AHV/IV/EO 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.

Individuals with no gainful employment must pay an annual contribution ranging from CHF 530 to CHF 26,500, depending on their assets and income from pensions. Lastly, salaries under CHF 2,500 per year are only subject to contributions if the employee requests it.

How are AHV pensions calculated?

AHV pensions are calculated on the basis of three main factors: length of contribution period, average annual income and any bonuses for educational or care duties.

1. Contribution period

To receive the full pension, you must have made uninterrupted contributions from the age of 20 until retirement age (64 for women, 65 for men in 2025). Gaps in contributions lead to a proportional reduction in the pension.

2. Average annual income

All income subject to AHV contributions during working life is taken into account and updated in line with wage trends. The average income thus calculated determines whether the pension will be close to the minimum (CHF 1,260 per month) or the maximum (CHF 2,520 per month).

3. Bonuses

Bonuses can be added to the calculation for years during which the insured person raised children under 16 (bonuses for educational duties) or looked after relatives requiring care (bonuses for care duties). These bonuses increase the average qualifying income, which can lead to a higher pension.
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.
Table of contents

On the same subject

Fondeca is a blog dedicated to providing information on insurance and finance for individuals and companies in Switzerland.

Linkedin Instagram

Insurance

Pension

Finance