Border pensions 2026: AVS/INPS coordination and practical simulation (cross-border guide)
Find out how the AVS/INPS coordination from 2024 will impact border workers in 2026 and how to carry out a practical simulation of your pension.
Contesto
In short - The AVS/INPS coordination is active from 1 January 2024 - New rules for the calculation of the pension for frontier workers - Possibility of totaling contributions ## Key facts - What: AVS/INPS coordination for frontier workers - When: Active from 1 January 2024 - Where: Switzerland and Italy - Who: Frontier workers who work in Switzerland and reside in Italy - Amount: Calculation of the pension based on totaled contributions The coordination between the Swiss Old Age and Survivors Insurance (AVS) and the Italian National Institute of Social Security (INPS) came into force on 1 January 2024. This new legislation has important implications for border workers working in Switzerland and residing in Italy, in particular with regard to the calculation of pensions. For example, a worker who has contributed for 20 years to the AVS and for 15 years to the INPS will be able to total the contributions and be entitled to a higher pension. The cantons of Geneva and Ticino are particularly affected by this legislation, being those with the largest number of border crossers. The aggregation of contributions means that the contribution periods in both countries will be considered for the calculation of the pension. > "The AVS/INPS coordination represents an important step for frontier workers, guaranteeing them a fairer pension commensurate with the contributions paid in both countries." To clarify, a practical example: a frontier worker who worked 25 years in
Dettagli operativi
Implications for border workers The AVS/INPS coordination introduces the possibility of totaling the contributions paid in the two countries for the calculation of the pension. This means that the contribution periods in Switzerland and Italy can be aggregated to determine the amount of the pension. For example, a worker who has paid contributions for 20 years in Switzerland and 10 years in Italy will be able to calculate his pension considering the total 30 years. This is particularly relevant for frontier workers working in the cantons of Geneva, Basel-City or Ticino, where the presence of frontier workers is highest. ### Practical simulation To carry out a practical simulation of their pension, border workers can use the tools made available by the Swiss and Italian authorities, such as the AVS pension calculator of the Federal Office of Social Insurance (UFAS) and the INPS pension simulator. It is important to consider both the contributions paid in Switzerland and those paid in Italy to get a complete picture of your pension situation. For example, a frontier worker who earns 60,000 Swiss francs a year and has paid contributions for 25 years in Switzerland and 5 years in Italy can use these tools to calculate his pension. ### Comparison with the previous situation Before coordination, contributions paid in the two countries were considered separately. Now, thanks to the ## Useful planning tools To estimate your pension strategy, use the pension planner and the pillar 3 simulator.
Punti chiave
Step-by-step procedure for simulation 1. Check the contributions paid in Switzerland and Italy: for example, if you work in Geneva and have paid contributions for 20 years in Switzerland and 10 years in Italy. 2. Use the pension calculator available on the INPS and AVS website: these tools will help you calculate your total pension. 3. Enter your totaled contributions: Make sure to include all paid contributions, such as those for a job in Zurich or Lugano. 4. Get an estimate of your total pension: For example, if you paid CHF 500'000 in Switzerland and € 200'000 in Italy, the calculator will give you an accurate estimate. ### Useful tools - AVS pension calculator: Calcola ora - INPS information: Visit the website > "Coordination between AVS and INPS is essential to ensure a fair pension for border workers" — Federal Office of Social Insurance (UFAS) Use our calculator to get a personalized estimate of your border pension. For example, a worker in Basel who has paid contributions for 25 years in Switzerland and 5 years in Italy could receive a monthly pension of about CHF 2,500. Check existing regulations, such as the bilateral agreement of 1 January 2005, to better understand your rights. Operational checklist: - Check the requirements for AVS/INPS coordination - Collect all the documents relating to the contributions paid - Use the
Punti chiave
[{"q":"When did AVS/INPS coordination come into effect?","a":"The AVS/INPS coordination came into force on 1 January 2024."},{"q":"How do I total my contributions?","a":"Contributions paid in Switzerland and Italy are aggregated to determine the amount of the pension."},{"q":"Where can I find retirement simulation tools?","a":"Simulation tools are available on the INPS and AVS sites."}]
Frequently Asked Questions
- When did AVS/INPS coordination come into effect?
- The AVS/INPS coordination came into force on 1 January 2024.
- How do I total my contributions?
- Contributions paid in Switzerland and Italy are aggregated to determine the amount of the pension.
- Where can I find retirement simulation tools?
- Simulation tools are available on the INPS and AVS sites.