Pension amount

The amount follows from the relevant average annual income and the contribution years. Both statutory tables are reproduced here in full.

Full pension and partial pension

A full pension goes to anyone whose contribution period is complete relative to their birth cohort — for most insured people 44 contribution years. A ratio of at least 97.73% is already enough for the full pension (Art. 52 para. 2 AHVV).

Where contribution years are missing, the pension is stepped down the pension scale. The scale has 44 steps; the top one is the full pension.

The relevant average annual income

It is made up of revalued earnings plus parenting and caregiving credits. Each of those credits equals three times the minimum ANNUAL old-age pension, that is 45'360 a year (Art. 29sexies para. 2, Art. 29septies para. 4 AHVG). They are not money paid to anyone — they count as though they had been earned.

Income from the calendar years of a marriage is split and credited half to each spouse once both are entitled to a pension.

The revaluation factor does not belong to a particular year of earnings: it is chosen by the year of your first entry in the individual account, then applied to the whole summed career (Art. 51bis AHVV).

Flat revaluation factors by year of entry, insured event 2026 (Art. 51bis AHVV; Merkblatt 3.01)
Year of the first IK entry	Factor
2025	1.000
2024	1.000
2023	1.000
2022	1.000
2021	1.000
2020	1.000
2019	1.000
2018	1.000
2017	1.000
2016	1.000
2015	1.000
2014	1.000
2013	1.000
2012	1.000
2011	1.000
2010	1.000
2009	1.000
2008	1.000
2007	1.000
2006	1.000
2005	1.000
2004	1.000
2003	1.000
2002	1.000
2001	1.000
2000	1.000
1999	1.000
1998	1.000
1997	1.000
1996	1.000
1995	1.000
1994	1.000
1993	1.000
1992	1.000
1991	1.000
1990	1.000
1989	1.000
1988	1.000
1987	1.000
1986	1.000
1985	1.007
1984	1.016
1983	1.025
1982	1.035
1981	1.045
1980	1.056
1979	1.067
1978	1.079
1977	1.090

The factor does NOT belong to one year’s earnings. It is chosen by the year of the first entry in the individual account, then applied to the whole summed career. The relevant first entry cannot be earlier than the calendar year of the 21st birthday.

The pension formula

The full monthly pension is a fixed share of the minimum amount plus a variable share of the relevant average annual income (Art. 34 para. 2 AHVG). Up to an income of 45'360 one pair of fractions applies; above it, the other.

Up to 15'120 the minimum of 1'260.00 is paid, and from 90'720 the maximum of 2'520.00 (Art. 34 paras. 3 and 4 AHVG).

The relevant income is by law a whole multiple of 1'512, and the step between two published monthly pensions is at most 2.6% of the minimum (Art. 53 para. 1 AHVV). That is why there is nothing between two rows of the table below: it is exhaustive, not a sample.

Monthly full pensions, pension scale 44 (Art. 34 AHVG; Merkblatt 3.01, as at 1.1.2026) — amounts in francs
Relevant average annual income	Alters- und Invalidenrente	Alters- und Invalidenrente für Witwen/Witwer	Witwen-/Witwerrente	Zusatzrente	Waisen- und Kinderrente	Waisenrente 60 %
15'120	1'260	1'512	1'008	378	504	756
16'632	1'293	1'551	1'034	388	517	776
18'144	1'326	1'591	1'060	398	530	795
19'656	1'358	1'630	1'087	407	543	815
21'168	1'391	1'669	1'113	417	556	835
22'680	1'424	1'709	1'139	427	570	854
24'192	1'457	1'748	1'165	437	583	874
25'704	1'489	1'787	1'191	447	596	894
27'216	1'522	1'826	1'218	457	609	913
28'728	1'555	1'866	1'244	466	622	933
30'240	1'588	1'905	1'270	476	635	953
31'752	1'620	1'944	1'296	486	648	972
33'264	1'653	1'984	1'322	496	661	992
34'776	1'686	2'023	1'349	506	674	1'011
36'288	1'719	2'062	1'375	516	687	1'031
37'800	1'751	2'102	1'401	525	701	1'051
39'312	1'784	2'141	1'427	535	714	1'070
40'824	1'817	2'180	1'454	545	727	1'090
42'336	1'850	2'220	1'480	555	740	1'110
43'848	1'882	2'259	1'506	565	753	1'129
45'360	1'915	2'298	1'532	575	766	1'149
46'872	1'935	2'322	1'548	581	774	1'161
48'384	1'956	2'347	1'564	587	782	1'173
49'896	1'976	2'371	1'580	593	790	1'185
51'408	1'996	2'395	1'597	599	798	1'197
52'920	2'016	2'419	1'613	605	806	1'210
54'432	2'036	2'443	1'629	611	814	1'222
55'944	2'056	2'468	1'645	617	823	1'234
57'456	2'076	2'492	1'661	623	831	1'246
58'968	2'097	2'516	1'677	629	839	1'258
60'480	2'117	2'520	1'693	635	847	1'270
61'992	2'137	2'520	1'710	641	855	1'282
63'504	2'157	2'520	1'726	647	863	1'294
65'016	2'177	2'520	1'742	653	871	1'306
66'528	2'197	2'520	1'758	659	879	1'318
68'040	2'218	2'520	1'774	665	887	1'331
69'552	2'238	2'520	1'790	671	895	1'343
71'064	2'258	2'520	1'806	677	903	1'355
72'576	2'278	2'520	1'822	683	911	1'367
74'088	2'298	2'520	1'839	689	919	1'379
75'600	2'318	2'520	1'855	696	927	1'391
77'112	2'339	2'520	1'871	702	935	1'403
78'624	2'359	2'520	1'887	708	943	1'415
80'136	2'379	2'520	1'903	714	952	1'427
81'648	2'399	2'520	1'919	720	960	1'439
83'160	2'419	2'520	1'935	726	968	1'452
84'672	2'439	2'520	1'951	732	976	1'464
86'184	2'460	2'520	1'968	738	984	1'476
87'696	2'480	2'520	1'984	744	992	1'488
89'208	2'500	2'520	2'000	750	1'000	1'500
90'720and above	2'520	2'520	2'016	756	1'008	1'512

This table is generated from the statutory pension formula, not transcribed. It is scale 44; where the contribution period is incomplete the amount is the corresponding percentage of the scale.

The ceiling for married couples

Where both spouses are entitled to a pension, the two pensions together may not exceed 3'780.00 (Art. 35 para. 1 AHVG). The reduction is shared in proportion to each pension’s share of the uncapped sum. It does not apply to couples whose common household has been suspended by a court.

This page does not work out your own pension

Your personal figure needs the sum of your individual account (IK), which exists only at your Ausgleichskasse. Ask them for a pension estimate. For a rough figure, use the statutory table above — which is what Merkblatt 3.06 of the Informationsstelle AHV/IV recommends as well.

Stepping of partial pensions — the pension scale (Art. 52 para. 1 AHVV)
Scale	Ratio of contribution years	Share of the full pension
1	under 2,28 %	2.27%
2	2,28 – 4,55 %	4.55%
3	4,55 – 6,82 %	6.82%
4	6,82 – 9,10 %	9.09%
5	9,10 – 11,37 %	11.36%
6	11,37 – 13,64 %	13.64%
7	13,64 – 15,91 %	15.91%
8	15,91 – 18,19 %	18.18%
9	18,19 – 20,46 %	20.45%
10	20,46 – 22,73 %	22.73%
11	22,73 – 25,01 %	25%
12	25,01 – 27,28 %	27.27%
13	27,28 – 29,55 %	29.55%
14	29,55 – 31,82 %	31.82%
15	31,82 – 34,10 %	34.09%
16	34,10 – 36,37 %	36.36%
17	36,37 – 38,64 %	38.64%
18	38,64 – 40,91 %	40.91%
19	40,91 – 43,19 %	43.18%
20	43,19 – 45,46 %	45.45%
21	45,46 – 47,73 %	47.73%
22	47,73 – 50,01 %	50%
23	50,01 – 52,28 %	52.27%
24	52,28 – 54,55 %	54.55%
25	54,55 – 56,82 %	56.82%
26	56,82 – 59,10 %	59.09%
27	59,10 – 61,37 %	61.36%
28	61,37 – 63,64 %	63.64%
29	63,64 – 65,91 %	65.91%
30	65,91 – 68,19 %	68.18%
31	68,19 – 70,46 %	70.45%
32	70,46 – 72,73 %	72.73%
33	72,73 – 75,01 %	75%
34	75,01 – 77,28 %	77.27%
35	77,28 – 79,55 %	79.55%
36	79,55 – 81,82 %	81.82%
37	81,82 – 84,10 %	84.09%
38	84,10 – 86,37 %	86.36%
39	86,37 – 88,64 %	88.64%
40	88,64 – 90,91 %	90.91%
41	90,91 – 93,19 %	93.18%
42	93,19 – 95,46 %	95.45%
43	95,46 – 97,73 %	97.73%
44	97,73 – 100,00 %	100%

The ratio between the insured person’s full contribution years and those of their birth cohort. From 97.73 per cent the full pension is paid (para. 2).