Advanced withdrawal possible by one or two years

Women receive an AHV annuity from the age of 64, men from the age of 65.

If desired, the AHV pension can be drawn one or two years earlier. This is also possible if you continue to work. However, the early withdrawal leads to a reduction of the AHV pension of 6.8 % per year.

Min. AHV pension
(per month)
Max. AHV pension
(per month)
CHF 1’195CHF 2’390
Advance withdrawal by 1 yearCHF 1’113 (-81)CHF 2’227 (-163)
Advance withdrawal by 2 yearsCHF 1’032 (-163)CHF 2’065 (-325)
Early withdrawal: reduction of AHV annuity by 6.8 % per year

The AHV cannot be withdrawn in advance by individual months, only by full years.

Is it worth postponing?

Dependent on remaining life expectancy

As a rule, an early withdrawal of AHV is not worthwhile. At the beginning, more money is available. But the advantage quickly evaporates. Already at the age of 78 (from 77 for women), you will have received more money from the AHV if you waive the early withdrawal.

However, the average remaining life expectancy at the time of early withdrawal is significantly higher for both men and women:

  • Remaining life expectancy man approx. 84 years
  • Remaining life expectancy woman approx. 87 years

This is how we calculated

We have assumed a maximum pension and extrapolated it to one year. This results in the following annual pension payments:

  • Maximum annual pension without early withdrawal: 28,680 francs
  • Maximum annual pension early withdrawal by 1 year: 26,724 francs
  • Maximum annual pension early withdrawal by 2 years: 24,780 Swiss francs

We have added up the pensions without interest. This shows that for the first time, at the age of 78, the man’s pension income without early withdrawal exceeds that with early withdrawal.

AgeWithout early
withdrawal
Advance withdrawal
by 1 year
Advance withdrawal
by 2 years
6324'780
6426'72449'560
6528'68053'44874'340
6657'36080'17299'120
6786'040106'896123'900
68114'720133'620148'680
69143'400160'344173'460
70172'080187'068198'240
71200'760213'792223'020
72229'440240'516247'800
73258'120267'240272'580
74286'800293'964297'360
75315'480320'688322'140
76344'160347'412346'920
77372'840374'136371'700
78401'520400'860396'480
79430'200427'584421'260
80458'880454'308446'040
81487'560481'032470'820
82516'240507'756495'600
83544'920534'480520'380
84573'600561'204545'160
85602'280587'928569'940
86630'960614'652594'720
87659'640641'376619'500
88688'320668'100644'280
89717'000694'824669'060
90745'680721'548693'840
91774'360748'272718'620
92803'040774'996743'400
93831'720801'720768'180
94860'400828'444792'960
95889'080855'168817'740
96917'760881'892842'520
97946'440908'616867'300
98975'120935'340892'080
991'003'800962'064916'860
1001'032'480988'788941'640

AHV contribution obligation remains

During the two years when you take your pension in advance, you must continue to pay AHV contributions.

If you are no longer gainfully employed, you must pay the AHV contribution for those who are not gainfully employed. It amounts to at least 503 francs (2021) for single persons and double that for married persons.

If you are gainfully employed, you must continue to make AHV contributions. The exemption limits for retired persons apply only after reaching the regular AHV retirement age.

The AHV annuity is recalculated when the regular AHV retirement age is reached (now including the last two years). Not paying in the minimum amount leads to a contribution gap and thus to an avoidable reduction of the AHV pension.

Impact on other pensions

The early withdrawal may have an impact on other pensions. If you think that you are affected, we recommend the AHV compensation office explains the situation to you.

Child’s pension

Pension-eligible persons are entitled to a Child’s Pension for children under the age of 18 or in education up to the age of 25. This child’s pension is not paid during the period of early withdrawal, but only from the time of retirement.

Disability and survivors’ pension

The entitlement to a disability or survivor’s pension expires with the early withdrawal of the AHV pension.

Widows’, widowers’ and orphans’ pensions

If the mentioned survivors’ annuities replace the AHV retirement annuities, the survivors’ annuities will be reduced by the same amount.

Registration necessary

The advance withdrawal of the AHV annuity must be registered. In the online form for registering a retirement pension, you can answer “Yes” or “No” to the question “Do you want to make an early withdrawal of your retirement pension?” in section 8. Flexible retirement age.