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The AHV maximum pensionย 2025 will be from Januaryย at 2.9% increasedThis was decided by the Federal Council on 28 August 2024. This means that retirees will receive a higher pension from 1 January 2025.
In this article you will find out which AHV pension is how high and how the pension is calculated.
| Pension | 2024 | 2025 |
|---|---|---|
| Maximum pension single person | CHF 2'450 | CHF 2'520 |
| Minimum pension single person | CHF 1'225 | CHF 1'260 |
| Maximum pension for married couple | CHF 3'675 | CHF 3'780 |
From 1.1.2025, both the tax rates minimum and maximum AHV pension by 2.9% on. The Federal Council examines every 2 years whether the maximum AHV pension should be increased due to the Mixed index must be adjusted to rising prices and wages. The last change was made in 2023.
The maximum pension is paid to people who have paid in the maximum contribution **without any gaps** over the entire contribution period. By contrast, pensioners who have paid the minimum contribution without any gaps receive the minimum pension.
This is what it looks like for individuals and married couples.
From 2025 onwards Individuals a AHV pension maximum of CHF 2,520while the current maximum pension in 2024 is CHF 2,450. The minimum pension will be CHF 1,225 in 2024 and will rise to CHF 1,260 in 2025.
In addition, the Minimum contributions for people who do not pay into the AHV scheme as employees. Self-employed persons, persons not in gainful employment and students will pay from 2025 CHF 530 per yearwhile the minimum contribution in 2024 was CHF 514.
Swiss abroad who wish to join the AHV voluntarily will pay CHF 1,010 per year from 2025, compared to CHF 980 in 2024.
The rising AHV pension also has an impact on the pension fund. The coordination deduction will rise from CHF 25,725 (2024) to CHF 26,460 (2025) and the entry threshold will increase from CHF 22,050 to CHF 22,680.
Separate rates apply for married couples, as they receive a maximum of 150% of the maximum pension for single persons.
Married couples will receive a maximum AHV pension of CHF 3,780 in 2025, compared with CHF 3,675 in 2024.
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Depending on how much you have paid into the AHV, you will receive a different amount of pension. Find out more below:
The AHV minimum pension you receive if, from 1 January of the year in which you 21 years old, always seamless have paid in. However, in order to Maximum pensionย (also known as a full AHV pension), you must also currently have a Average income of CHF 88,200 have. This will 2025 also increased and will then be CHF 90'720.
You will probably earn significantly less in the first few years. However, the following is important for calculating your AHV pension Average income over your entire working life. If you continue to rise in the course of your career and earn over CHF 100,000 per year from the age of 40, for example, your average annual income over your entire working life may well exceed this limit.
However, it is particularly important that you do not have a gap. For example, if you only study until you are 25, you should still voluntarily pay the minimum contribution during these years in order to be able to reach the maximum pension.
The maximum pension is calculated using the so-called Scale 44. There are different pension scales depending on the number of contribution years. Scale 1 applies to 1 contribution year, Scale 44 is used for 44 contribution yearsi.e. the maximum possible number, is used.
However, the calculation is only made in accordance with Pension scale 44if you have paid into the AHV every year and therefore have no gaps. In this case, you will receive a Full pension. If you had a gap, you will only receive one Partial pensiondepending on the number of contribution years according to Pension scale 1 to 43 is calculated.
For a Maximum pension you must also use the above average income of CHF 90,720 reach.
For married couples, this average income per person must also be exceeded for the maximum pension. However, as soon as the younger person retires or in the event of a divorce, the pension is split. This means that half of the total income during the marriage is credited to the husband and half to the wife.
Here you can see all the changes and the new AHV key figures for 2025.
| Factor | 2024 | 2025 |
|---|---|---|
| Maximum pension single person | CHF 2'450 | CHF 2'520 |
| Minimum pension single person | CHF 1'225 | CHF 1'260 |
| Maximum pension for married couple | CHF 3'675 | CHF 3'780 |
| Minimum contribution for self-employed/non-employed persons | CHF 514 | CHF 530 |
| Minimum contribution for Swiss abroad | CHF 980 | CHF 1'010 |
| Coordination deduction (pension fund) | CHF 25'725 | CHF 26'460 |
| Entry threshold pension fund | CHF 22'050 | CHF 22,680 |
| Average income for maximum pension | CHF 88'200 | CHF 90'720 |
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The maximum AHV pension will be increased to CHF 2,520 for individuals and CHF 3,780 for married couples in 2025. This was decided by the Federal Council in order to align pensions with rising prices and wages.
To receive a maximum pension, you must No contribution gaps have. Especially during your studies or during a longer stay abroad, you should remember to take the Minimum amount to be paid in. This will also change in 2025 and will now amount to CHF 530 per year.
You can find out more about wages here:
The highest AHV pension, also known as the maximum pension, will be CHF 2,450 for individuals in 2024 and will be increased to CHF 2,520 in 2025. For married couples, the highest AHV pension will be CHF 3,675 in 2024 and will be increased to CHF 3,780 in 2025.
The maximum AHV pension in 2024 will be CHF 2,450 for single persons and CHF 3,675 for married couples.
The Federal Council reviews an increase in the AHV pension every two years. After the increase in 2025, the AHV pension can therefore be increased again in 2027 at the earliest.
In addition, in March 2024, the initiative for a 13 AHV pension assumed. This is to be introduced by 2026 at the latest and means that 8.3% more pension will be paid out.
You will always receive a full pension if you have no gaps and have paid into the AHV every year for the entire 44 years between 21 and 65. You will receive this regardless of how much you have earned, as long as you have always paid the minimum amount.
If you also had an average salary of CHF 90,720 (from 2025) or more, you will receive a maximum pension. This is, so to speak, the maximum possible monthly payment from the AHV after retirement.
The AHV maximum pension 2025 for a single person is CHF 2,520 per month.
The maximum AHV pension for married couples is CHF 3,780 per month, i.e. 150 % for a single person.
The Maximum AHV pension for a married couple in 2025 is CHF 3,780 per month. This is 150 % of the maximum AHV individual pension, which is CHF 2,520 in 2025.