AHV / IV / EO
The first pillar of Swiss pension provision: old-age, survivors' and disability insurance as well as loss-of-earnings compensation. Mandatory for everyone; employer and employee each pay half of the contributions, settled via the compensation fund (Ausgleichskasse).
AHV/IV/EO (OASI) is the first pillar of Swiss social security: old-age and survivors' insurance, disability insurance and the loss-of-earnings compensation scheme. It is compulsory for everyone living or working in Switzerland and is designed to cover basic living needs in old age or in case of disability or death. For employees the contribution is split equally with the employer, with the employee's share for AHV/IV/EO amounting to 5.3% of gross salary.
Example: An employee earning CHF 6'000 gross per month has 5.3% — about CHF 318 — deducted for AHV/IV/EO on each payslip. The employer pays the same amount again and settles the total with the cantonal compensation fund (Ausgleichskasse).
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How much is the AHV contribution in Switzerland?
The employee's share for AHV/IV/EO is 5.3% of gross salary, and the employer pays a matching 5.3%, for a combined 10.6%. The self-employed pay a sliding rate on their income up to a similar level.
Is AHV mandatory in Switzerland?
Yes. AHV is compulsory for everyone who lives or works in Switzerland. Contributions are owed from 1 January after your 17th birthday if you are employed, and from 21 otherwise, until you reach the reference retirement age.