🇨🇭🇨🇭 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.
What looks most advantageous
Take the 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.

💹 If you invest the capital

In Switzerland, private capital gains are tax-free. Only income (interest, dividends) and wealth are taxed.

Take the PENSION
Guaranteed income for life1'950 CHF/mo
for life, no risk
Income tax− 6'600 CHF/yr
Left to the estate0 CHF
Take the CAPITAL
Withdrawal tax (one-off)− 44'000 CHF
Net capital in hand456'000 CHF
Wealth tax (total)− 5'485 CHF
Riskdepleted around 76 yrs
Left to the estate0 CHF
Break-even: beyond 84.49 yrs — the pension has paid more than the net capital.
Your capital over time (if you take the capital)
65 yrs87 yrs
The 3 taxes that matter (Switzerland)
1 · Lump-sum withdrawal taxCharged ONCE when you take the capital, separately from the rest of your income, at a reduced rate. Strongly depends on canton and amount (progressive).
2 · Wealth taxEvery year, on the capital you kept (cantonal + communal, no federal tax). Moderate but recurring.
3 · Income taxThe pension is taxed 100% as income. If you invest the capital, only interest/dividends are taxed — not capital gains.

⚠︎ Indicative simulation. Canton rates are 2026 estimates (the withdrawal tax is progressive and varies by municipality) — adjust to your case. Not financial or tax advice: for a largely irreversible decision, seek professional guidance.

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.

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.

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