Early retirement, honestly worked out.

Pillar Zero grew out of a simple observation: most FIRE calculators ignore what makes Switzerland special — pension capital is locked away for the longest time, and the taxes on capital withdrawals, income and wealth differ massively from one municipality to the next.

We wanted a tool that reflects this reality: the bridge phase between exit and pension withdrawal, the staggered Säule 3a withdrawal, the choice between Pensionskasse capital and pension, the AHV contributions of the non-employed — and real taxes for your municipality.

Where the numbers come from

The tax figures come from the official calculator of the Federal Tax Administration (ESTV, tax year 2026): the lump-sum withdrawal tax, the cantonal/communal income and wealth tax, and the municipal tax multipliers of all 2,110 municipalities. The federal direct tax we compute with the exact statutory tariff. AHV, BVG and Säule 3a figures follow the official 2026 values.

Some deliberate simplifications remain (for example with deductions and church tax). All figures are estimates without warranty and do not replace personal advice.

Your data stays with you

All calculations run locally in your browser. No financial data is transmitted to or stored on a server. Shared scenario links encode the inputs in the URL — they too do not leave your browser.

Independent & ad-funded

Pillar Zero is free and independent. Any partner pointers are clearly marked as advertising and kept separate from the calculation results.