St. Gallen pensions
In the canton of St. Gallen, 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 Austria, Liechtenstein and Germany: for those who cross the border every day, the rules and prices on both sides matter. Official sources publish in German; 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.
- SVA St.Gallen — Compensation fund
- St.Galler Pensionskasse (SGPK) — 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 (St. Gallen): 5,883 CHF
- Withdrawal of 250,000 CHF (St. Gallen): 17,266 CHF
- Withdrawal of 500,000 CHF (St. Gallen): 37,231 CHF
Updated on
Source: Federal Tax Administration (FTA)
Official notices
Latest releases on this topic from the canton’s administrations and public bodies, linked to the source. Titles are in the original wording.
- Voller Lastenausgleich der Familienausgleichskassen
- Beitragssätze 2027 der Familienausgleichskasse
- Prämienverbilligung 2027 bereits jetzt beantragen
- Einfachere Anmeldung von Familienzulagen dank AHVeasy
Updated on
Recommended articles
- AVS and complementary services: St. Gallen guideHow the first pillar works in the Canton of St. Gallen. Learn about the role of the cantonal compensation fund, pension calculation, contribution gaps and supplementary benefits for the living minimum.
- AVS and complementary services in the Canton of St. GallenHow the first pillar works in the Canton of St. Gallen: compensation fund, pension calculation and PC to cover the living minimum.
- AVS and PC in the Canton of St. Gallen: the clearing houseAVS cashier and PC office are two separate entities: this is how the first pillar works in St. Gallen and when to ask for complementary services.