Risikoleistungen
Invalidität - Leistungen im Lohnband
Invalidität - Individual
Tod - Leistungen im Lohnband
Tod - Individual
Altersvorsorge
Vergleich mit BVG-Minimum
Vergleich mit Änderungsvorschlag
Wahlsparplan
Umhüllender Umwandlungssatz
Kennzahlen
Deckungsgrad
Deckungsgrad - Servisa
Performance
Performance - Servisa
Verzinsung
Verzinsung - Servisa
Kapitalentwicklung - Beispiel - 1
Kapitalentwicklung - Beispiel - 2
Entwicklung Umwandlungssatz
Versicherte
Steuereffekt beim Dienstjahreseinkauf
Glossar
Dienstjahreseinkauf / Einkaufspotential
Umwandlungssatz
Links
FAQ
Kontakt
Altersvorsorge - Wahlplan
×
Parameter setzen
Sparplan - versicherter Lohn 1
Beschriftung
Koordinationsabzug
0
26'460
Teilzeitgrad
100%
90%
80%
70%
60%
50%
40%
30%
20%
Lohnobergenze
90'720
136'080
148'200
907'200
Plan A
Plan B
Plan C
AG-Beitrag
25 bis 34
5%
6%
7%
8%
9%
10%
11%
12%
13%
14%
15%
16%
17%
18%
19%
20%
21%
22%
23%
24%
25%
5%
6%
7%
8%
9%
10%
11%
12%
13%
14%
15%
16%
17%
18%
19%
20%
21%
22%
23%
24%
25%
5%
6%
7%
8%
9%
10%
11%
12%
13%
14%
15%
16%
17%
18%
19%
20%
21%
22%
23%
24%
25%
0.5%
0.75%
1%
1.25%
1.5%
1.75%
2%
2.25%
2.5%
2.75%
3%
3.25%
3.5%
3.75%
4%
4.25%
4.5%
4.75%
5%
5.25%
5.5%
5.75%
6%
6.25%
6.5%
6.75%
7%
7.25%
7.5%
7.75%
8%
8.25%
8.5%
8.75%
9%
9.25%
9.5%
9.75%
10%
10.25%
10.5%
10.75%
11%
35 bis 44
5%
6%
7%
8%
9%
10%
11%
12%
13%
14%
15%
16%
17%
18%
19%
20%
21%
22%
23%
24%
25%
5%
6%
7%
8%
9%
10%
11%
12%
13%
14%
15%
16%
17%
18%
19%
20%
21%
22%
23%
24%
25%
5%
6%
7%
8%
9%
10%
11%
12%
13%
14%
15%
16%
17%
18%
19%
20%
21%
22%
23%
24%
25%
0.5%
0.75%
1%
1.25%
1.5%
1.75%
2%
2.25%
2.5%
2.75%
3%
3.25%
3.5%
3.75%
4%
4.25%
4.5%
4.75%
5%
5.25%
5.5%
5.75%
6%
6.25%
6.5%
6.75%
7%
7.25%
7.5%
7.75%
8%
8.25%
8.5%
8.75%
9%
9.25%
9.5%
9.75%
10%
10.25%
10.5%
10.75%
11%
45 bis 54
5%
6%
7%
8%
9%
10%
11%
12%
13%
14%
15%
16%
17%
18%
19%
20%
21%
22%
23%
24%
25%
5%
6%
7%
8%
9%
10%
11%
12%
13%
14%
15%
16%
17%
18%
19%
20%
21%
22%
23%
24%
25%
5%
6%
7%
8%
9%
10%
11%
12%
13%
14%
15%
16%
17%
18%
19%
20%
21%
22%
23%
24%
25%
0.5%
0.75%
1%
1.25%
1.5%
1.75%
2%
2.25%
2.5%
2.75%
3%
3.25%
3.5%
3.75%
4%
4.25%
4.5%
4.75%
5%
5.25%
5.5%
5.75%
6%
6.25%
6.5%
6.75%
7%
7.25%
7.5%
7.75%
8%
8.25%
8.5%
8.75%
9%
9.25%
9.5%
9.75%
10%
10.25%
10.5%
10.75%
11%
55 bis 64/65
5%
6%
7%
8%
9%
10%
11%
12%
13%
14%
15%
16%
17%
18%
19%
20%
21%
22%
23%
24%
25%
5%
6%
7%
8%
9%
10%
11%
12%
13%
14%
15%
16%
17%
18%
19%
20%
21%
22%
23%
24%
25%
5%
6%
7%
8%
9%
10%
11%
12%
13%
14%
15%
16%
17%
18%
19%
20%
21%
22%
23%
24%
25%
0.5%
0.75%
1%
1.25%
1.5%
1.75%
2%
2.25%
2.5%
2.75%
3%
3.25%
3.5%
3.75%
4%
4.25%
4.5%
4.75%
5%
5.25%
5.5%
5.75%
6%
6.25%
6.5%
6.75%
7%
7.25%
7.5%
7.75%
8%
8.25%
8.5%
8.75%
9%
9.25%
9.5%
9.75%
10%
10.25%
10.5%
10.75%
11%
Sparplan - versicherter Lohn 2
Beschriftung
Koordinationsabzug
0
26'460
90'720
133'200
148'200
Teilzeitgrad
100%
90%
80%
70%
60%
50%
40%
30%
20%
Lohnobergenze
90'720
136'080
148'200
907'200
Plan A
Plan B
Plan C
AG-Beitrag
25 bis 34
0
1%
2%
3%
4%
5%
6%
7%
8%
9%
10%
11%
12%
13%
14%
15%
16%
17%
18%
19%
20%
21%
22%
23%
24%
25%
0
1%
2%
3%
4%
5%
6%
7%
8%
9%
10%
11%
12%
13%
14%
15%
16%
17%
18%
19%
20%
21%
22%
23%
24%
25%
0
1%
2%
3%
4%
5%
6%
7%
8%
9%
10%
11%
12%
13%
14%
15%
16%
17%
18%
19%
20%
21%
22%
23%
24%
25%
0.5%
0.75%
1%
1.25%
1.5%
1.75%
2%
2.25%
2.5%
2.75%
3%
3.25%
3.5%
3.75%
4%
4.25%
4.5%
4.75%
5%
5.25%
5.5%
5.75%
6%
6.25%
6.5%
6.75%
7%
7.25%
7.5%
7.75%
8%
8.25%
8.5%
8.75%
9%
9.25%
9.5%
9.75%
10%
10.25%
10.5%
10.75%
11%
35 bis 44
0
1%
2%
3%
4%
5%
6%
7%
8%
9%
10%
11%
12%
13%
14%
15%
16%
17%
18%
19%
20%
21%
22%
23%
24%
25%
0
1%
2%
3%
4%
5%
6%
7%
8%
9%
10%
11%
12%
13%
14%
15%
16%
17%
18%
19%
20%
21%
22%
23%
24%
25%
0
1%
2%
3%
4%
5%
6%
7%
8%
9%
10%
11%
12%
13%
14%
15%
16%
17%
18%
19%
20%
21%
22%
23%
24%
25%
0.5%
0.75%
1%
1.25%
1.5%
1.75%
2%
2.25%
2.5%
2.75%
3%
3.25%
3.5%
3.75%
4%
4.25%
4.5%
4.75%
5%
5.25%
5.5%
5.75%
6%
6.25%
6.5%
6.75%
7%
7.25%
7.5%
7.75%
8%
8.25%
8.5%
8.75%
9%
9.25%
9.5%
9.75%
10%
10.25%
10.5%
10.75%
11%
45 bis 54
0
1%
2%
3%
4%
5%
6%
7%
8%
9%
10%
11%
12%
13%
14%
15%
16%
17%
18%
19%
20%
21%
22%
23%
24%
25%
0
1%
2%
3%
4%
5%
6%
7%
8%
9%
10%
11%
12%
13%
14%
15%
16%
17%
18%
19%
20%
21%
22%
23%
24%
25%
0
1%
2%
3%
4%
5%
6%
7%
8%
9%
10%
11%
12%
13%
14%
15%
16%
17%
18%
19%
20%
21%
22%
23%
24%
25%
0.5%
0.75%
1%
1.25%
1.5%
1.75%
2%
2.25%
2.5%
2.75%
3%
3.25%
3.5%
3.75%
4%
4.25%
4.5%
4.75%
5%
5.25%
5.5%
5.75%
6%
6.25%
6.5%
6.75%
7%
7.25%
7.5%
7.75%
8%
8.25%
8.5%
8.75%
9%
9.25%
9.5%
9.75%
10%
10.25%
10.5%
10.75%
11%
55 bis 64/65
0
1%
2%
3%
4%
5%
6%
7%
8%
9%
10%
11%
12%
13%
14%
15%
16%
17%
18%
19%
20%
21%
22%
23%
24%
25%
0
1%
2%
3%
4%
5%
6%
7%
8%
9%
10%
11%
12%
13%
14%
15%
16%
17%
18%
19%
20%
21%
22%
23%
24%
25%
0
1%
2%
3%
4%
5%
6%
7%
8%
9%
10%
11%
12%
13%
14%
15%
16%
17%
18%
19%
20%
21%
22%
23%
24%
25%
0.5%
0.75%
1%
1.25%
1.5%
1.75%
2%
2.25%
2.5%
2.75%
3%
3.25%
3.5%
3.75%
4%
4.25%
4.5%
4.75%
5%
5.25%
5.5%
5.75%
6%
6.25%
6.5%
6.75%
7%
7.25%
7.5%
7.75%
8%
8.25%
8.5%
8.75%
9%
9.25%
9.5%
9.75%
10%
10.25%
10.5%
10.75%
11%
Beispiele
Person 1
AHV-Lohn
30'000
40'000
50'000
60'000
70'000
80'000
90'000
100'000
110'000
120'000
130'000
140'000
150'000
160'000
170'000
180'000
190'000
200'000
210'000
220'000
230'000
240'000
250'000
260'000
270'000
280'000
290'000
300'000
310'000
320'000
330'000
340'000
350'000
360'000
370'000
380'000
390'000
400'000
410'000
420'000
430'000
440'000
450'000
460'000
470'000
480'000
490'000
500'000
Teilzeitgrad
100%
90%
80%
70%
60%
50%
40%
30%
20%
Alter
30
40
50
60
Person 2
AHV-Lohn
30'000
40'000
50'000
60'000
70'000
80'000
90'000
100'000
110'000
120'000
130'000
140'000
150'000
160'000
170'000
180'000
190'000
200'000
210'000
220'000
230'000
240'000
250'000
260'000
270'000
280'000
290'000
300'000
310'000
320'000
330'000
340'000
350'000
360'000
370'000
380'000
390'000
400'000
410'000
420'000
430'000
440'000
450'000
460'000
470'000
480'000
490'000
500'000
Teilzeitgrad
100%
90%
80%
70%
60%
50%
40%
30%
20%
Alter
30
40
50
60
Eingabe bestätigen
BVG - Max.-Lohn
z.Zt. CHF 907'200
UVG-Lohnobergrenze
z.Zt. CHF 148'200
Sifo Max.-Lohn
z.Zt. CHF 136'080
BVG-Lohnobergrenze
z.Zt. CHF 90'720
Koordinationsabzug
z.Zt. CHF 26'460
AHV-Lohn
versicherter Lohn
//// Stufe1
7%
7%
7%
4%
4%
4%
+1%
+2%
4%
4%
4%
//// Stufe2
10%
10%
10%
6%
6%
6%
+5%
+6%
//Total
6%
6%
6%
//// Stufe3
13%
13%
13%
3%
3%
3%
3%
3%
//Total
3%
3%
3%
//// Stufe4
13%
13%
13%
3%
3%
3%
+6%
+7%
//Total
3%
3%
3%
Zusatzbeitrag
Grundbeitrag
Arbeitgeber-Beitrag
Alter 25 bis 34
Alter 35 bis 44
Alter 45 bis 54
Alter 55 bis 64/65
Wahlplan
Wahlplan
Wahlplan
Wahlplan
A
B
C
A
B
C
A
B
C
A
B
C
AG-Beitrag
7%
10%
15%
18%
A - AN
7%
10%
15%
18%
A - Sparsatz
7%
10%
15%
18%
B - AN
7%
10%
15%
18%
B - Sparsatz
7%
10%
15%
18%
C - AN
7%
10%
15%
18%
C - Sparsatz
7%
10%
15%
18%
Altersstufe
25 bis 34
35 bis 44
45 bis 54
55 bis 64/65
AG-Beitrag
7%
10%
15%
18%
A - AN
7%
10%
15%
18%
A - Sparsatz
7%
10%
15%
18%
B - AN
7%
10%
15%
18%
B - Sparsatz
7%
10%
15%
18%
C - AN
7%
10%
15%
18%
C - Sparsatz
7%
10%
15%
18%
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BVG-Minimum
Versicherte:r
Alter
TZ
AHVLohn
AGS
Beispiel 1
Beispiel 2
Ihr Sparplan
Versicherte:r
Alter
TZ
AHVLohn
AGS
Diff.
Beispiel 1
Beispiel 2
schliessen
Wahlplan - Erklärung zur Grafik
Arbeitgeberbeitrag
Arbeitnehmerbeitrag
Mindest-Beitrag
>
Alter 25 bis 34
Wahlplan
A
B
C
mini
midi
maxi
schliessen
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