🇨🇭🇨🇭 SwitzerlandPro · Swiss

rento

Retraite : 2e pilier en capital ou en rente ?

Open rento
Business tool built to Swiss standards — result ready for your accounting. 100% in your browser, no data sent.

Your situation

Option to explore
All pension

Au rythme de tes besoins, le capital s'épuiserait vers 76 ans, avant ton espérance de vie (87 ans). La rente garantit un revenu à vie et supprime ce risque.

All pension
  • Net pension / month2'000 CHF
  • Capital depleted around65 yrs
  • Left for the estate0 CHF
  • Total net provided528'000 CHF
  • Avg. yearly shortfall18'273 CHF
All capital
  • Net capital received465'000 CHF
  • Capital depleted around76 yrs
  • Left for the estate0 CHF
  • Total net provided501'239 CHF
  • Avg. yearly shortfall19'489 CHF
Mixed (100%)
  • Net capital received465'000 CHF
  • Capital depleted around76 yrs
  • Left for the estate0 CHF
  • Total net provided501'239 CHF
  • Avg. yearly shortfall19'489 CHF
Pension break-even age : 84.38 yrsBeyond this age, the pension has paid out more than the net capital.
Capital over time (capital scenario)
6587 yrs

⚠︎ Indicative simulation based on your inputs. Not personal financial or tax advice — actual rates depend on your canton, pension fund and situation. Check with a professional before deciding.

rento is a free, no-sign-up online switzerland tool: retraite : 2e pilier en capital ou en rente ?. Built for Switzerland. Everything is computed right in your browser — no data is sent to a server, your information stays private. Fast, ad-free, works on mobile and desktop. Keywords: retraite, 2e pilier, lpp, rente, capital, prévoyance.

At retirement, your 2nd-pillar savings (LPP/BVG) can be taken as a lifelong pension, as a lump-sum capital, or as a mix — a largely irreversible choice. The pension guarantees income for life but is taxed as income; the capital offers flexibility and inheritance but is exposed to wealth tax, investment returns and longevity risk. rento simulates all three paths from your savings, conversion rate, taxation, life expectancy and needs, highlighting the pension break-even age, the risk of running out of capital and what would be left for your estate.

retraite2e pilierlpprentecapitalprévoyanceavsimpôt fortune

FAQ

Is rento compliant with Swiss standards?

Yes. rento applies the current Swiss rules (retraite : 2e pilier en capital ou en rente ?) to produce a result you can use directly in your accounting and paperwork.

Is my data sent to a server?

No. Everything is computed in your browser — no data (amount, IBAN, number) is transmitted or stored. Ideal for sensitive information.

Is rento free?

Yes, rento is free and requires no sign-up. Pro features for Swiss freelancers and SMEs are coming to outils.ch.

In the same category

facturamaSwiss QR-bill, compliant (ISO 20022 / SIX)legatoSuccession suisse : parts, réserves & quotité disponibletvaflashSwiss VAT calculator (8.1 / 2.6 / 3.8%)capimmoMortgage affordability (Switzerland)