Help Center Pillar 3aCan I make retroactive contributions/purchases to a Pillar 3a account?

Can I make retroactive contributions/purchases to a Pillar 3a account?

From 2026 onwards, purchases into the third pillar will be possible, provided that the purchase does not relate to a contribution year prior to 2025.

The prerequisite for a retroactive purchase is that the person has earned income subject to AHV/OASI contributions in Switzerland both in the year of the purchase and in the year for which the contributions are being paid retroactively, and that the retroactive effect does not exceed ten years. Before making a purchase, the maximum amount for the current contribution year must always be exhausted first. The total purchase amount must not exceed this limit either.

In addition, back payments for a past calendar year must be made in a single purchase. It is not possible to spread the payments over several years. However, gaps of several calendar years can be closed with a single purchase.

The (lower) 3a upper limit applies to self-employed persons in the same way as it does to employees.

More questions in "Pillar 3a"

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