Graubünden pensions
In Graubünden, retirement provision rests on the three Swiss pillars: AHV, the occupational pension fund and private savings. This page brings together this year’s federal parameters, the funds of reference, the tax on lump-sum withdrawals and our articles on pensions.
The area borders Italy, Austria and Liechtenstein: for those who cross the border every day, the rules and prices on both sides matter. Official sources publish in German, Italian and Romansh; data, notices and articles are collected here and updated when they change.
Updated on
Pension parameters 2026
Federal amounts and rates valid across Switzerland: first pillar (AHV), second pillar (BVG) and pillar 3a.
- Minimum AHV pension (monthly): 1,260 CHF
- Maximum AHV pension (monthly): 2,520 CHF
- Employee share of AHV/IV/EO contributions: 5.3%
- BVG entry threshold (annual salary): 22,680 CHF
- BVG coordination deduction: 26,460 CHF
- Minimum BVG conversion rate: 6.8%
- Maximum pillar 3a payment (with a pension fund): 7,258 CHF
- Maximum pillar 3a payment (without a pension fund): 36,288 CHF
Updated on
Source: AHV/IV Information Centre and Federal Social Insurance Office
Cantonal funds
The AHV compensation fund and the public pension fund of reference, with their official websites.
- Sozialversicherungsanstalt des Kantons Graubünden — Compensation fund
- Pensionskasse Graubünden (PKGR) — Public pension fund
Updated on
Tax on lump-sum withdrawals 2026
Tax due on a lump-sum pension withdrawal at 65, for a single person without children living in the cantonal capital.
- Withdrawal of 100,000 CHF (Chur): 3,237 CHF
- Withdrawal of 250,000 CHF (Chur): 10,651 CHF
- Withdrawal of 500,000 CHF (Chur): 28,501 CHF
Updated on
Source: Federal Tax Administration (FTA)