Calculate Retirement | Frontaliere Ticino

Calculate Retirement — free tools and expert guides for cross-border workers (frontalieri) between Switzerland and Italy. Compare salaries, tax, LAMal health insurance, pensions, and cost of living in Ticino. Updated 2026.

The pension simulator estimates retirement benefits by combining the first pillar AVS (maximum 2024 pension: CHF 2,450/month), second pillar LPP (contribution credits from 7% to 18% based on age), and the optional third pillar 3a.

For cross-border workers, the Swiss pension is paid even after permanently returning to Italy. AVS contributions accrued in Switzerland are combined with Italian INPS contributions thanks to the bilateral social security convention.

The simulator also shows the impact of different strategies: voluntary third pillar 3a contributions, LPP buy-ins, and the effect of the conversion rate on the final pension, with projections at 5, 10, and 20 years.

This page is part of Frontaliere Ticino, the reference platform for cross-border workers between Switzerland (Canton Ticino) and Italy. Find practical tools, updated data, and verified information.

Content is designed to help cross-border workers make informed decisions about taxation, pensions, transportation, cost of living, and administrative procedures.

Frequently asked questions

How is the AVS pension calculated for a cross-border worker?
The AVS pension is based on contribution years and average career income. A full pension (44 years of contributions) ranges from CHF 1,225 to CHF 2,450/month (2026). Missing years reduce the pension by 1/44 per gap year. Swiss and Italian contribution periods can be totalized under the bilateral agreement.
Can I withdraw my 2nd pillar (LPP) when I leave Switzerland?
If you permanently leave Switzerland for an EU country, you can withdraw the extra-mandatory portion of the 2nd pillar. The mandatory portion is frozen in a vested benefits account (conto di libero passaggio) until the legal retirement age. If you leave for a non-EU country, the entire capital can be withdrawn.
How does the totalization of contributions between Switzerland and Italy work?
Under the EU bilateral agreement, contribution periods in Switzerland (AVS) and Italy (INPS) are summed to reach the minimum thresholds. Each country pays a partial pension proportional to the years contributed there. The request is made to the country of residence (INPS for Italian residents).
At what age does a Swiss cross-border worker retire?
The Swiss legal retirement age is 65 for men and 64 for women (gradually rising to 65 from 2025). In Italy the retirement age is 67. A cross-border worker can draw pensions at different ages from each country based on the respective contribution periods.
How much does the Swiss employer contribute to the LPP pension?
The employer must contribute at least as much as the employee. The contribution rates increase with age: 7% (25–34), 10% (35–44), 15% (45–54), 18% (55–65) of the coordinated salary. Many employers contribute more through extra-mandatory plans.