Maximum AHV pension for a married couple [sf_zahl key="jahr"]?

Married couples receive a maximum of [sf_zahl key="jahr"] together, amounting to [sf_zahl key="ahv_ehepaar_max_monat"] per month. This is 150% of the maximum pension for a single person. Including the 13th AHV pension, this amounts to [sf_zahl key="ahv_ehepaar_max_monat" times="13"] per year.

Maximum AHV pension in 2026 and 2027: Table for single people and married couples

The Maximum AHV pension in 2026 is CHF 2,520 per month for individuals and CHF 3,780 for married couples. The minimum pension is CHF 1,260.

Added to this is the 13 AHV pension, which is paid out in December each year. Over the course of the year, this amounts to up to CHF 32,760 for individuals.

From 1 January 2027 The maximum pension is CHF 2,560 per month, and CHF 3,840 for married couples.

In this article, you’ll find a table showing AHV pensions, find out who is entitled to the 13th pension, and learn how the maximum pension is calculated.

AHV pension 2026 table

AHV pensions in 2026 at a glance

Maximum pension single person	CHF 2,520 per month
Minimum pension single person	CHF 1,260 per month
Maximum pension for married couple	CHF 3,780 per month
13 AHV pension	Yes, every December
Annual total maximum pension for a single person	CHF 32,760
Annual total Maximum pension Married couple	CHF 49,140
Average earnings for the maximum pension	CHF 90,720 per year
Minimum contribution for the self-employed and those not in gainful employment	CHF 530 per year
Pension Fund Coordination Deduction	CHF 26,460
Entry threshold pension fund	CHF 22,680

AHV pension in 2027: This applies from 1 January

The Federal Council has set the amounts for 2027. Here are the changes to AHV pensions compared with 2026:

Comparison of AHV pension tables for 2026 and 2027

key figure	2026	2027
Maximum pension single person	CHF 2,520	CHF 2,560
Minimum pension single person	CHF 1,260	CHF 1,280
Maximum pension for married couple	CHF 3,780	CHF 3,840
Annual total for an individual receiving a 13th pension payment	CHF 32,760	CHF 33,280
Annual total for a married couple with a 13th pension	CHF 49,140	CHF 49,920
Minimum annual contribution	CHF 530	CHF 541
Coordination deduction	CHF 26,460	CHF 26,880
Entry threshold	CHF 22,680	CHF 23,040

AHV pension in 2026: maximum pension, minimum pension and 13th AHV pension

The Federal Council generally adjusts AHV pensions every two years in line with price and wage trends. In 2026, the maximum pension will be CHF 2,520 per month and the minimum pension CHF 1,260.

The 13th AHV pension has been in place since 2026. On 3 March 2024, the people and the cantons approved the initiative «For a better life in old age». As a result, all AHV pensioners will receive an additional monthly pension each year, representing an increase of 8.3%.

The 13th pension is paid once a year in December, together with the regular December pension. Important: Only old-age pensions benefit from this. Widows', widowers' and orphans' pensions as well as disability pensions will continue to be paid 12 times a year.

Maximum AHV pension for individuals

The maximum monthly pension for individuals in 2026 will be CHF 2,520, the minimum pension at CHF 1,260. With the 13th AHV pension, this amounts to:

Maximum pension: 13 × CHF 2,520 = CHF 32,760 per year
Minimum pension: 13 × CHF 1,260 = CHF 16,380 per year

Self-employed people, those not in employment and students pay a minimum contribution of CHF 530 per year.

The pension fund’s key figures are also linked to the AHV pension: the coordination deduction amounts to CHF 26,460, and the entry threshold is CHF 22,680.

Maximum AHV pension for married couples: the married couple’s pension in 2026

The cap applies to married couples: together, they receive a maximum of 150% of the maximum pension payable to a single person. The maximum AHV pension for married couples will therefore amount to in 2026 CHF 3,780 per month. With the 13th AHV pension, this amounts to:

Maximum pension for a married couple: 13 × CHF 3,780 = CHF 49,140 per year

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How is the maximum AHV pension calculated?

Depending on how much you have paid into the AHV, you will receive a different amount of pension. Find out more below:

What is the AHV maximum pension?

A Full pension You will receive this if you have made contributions without interruption from 1 January of the year in which you turned 21. Depending on your income, it ranges between the minimum pension and the maximum pension. For the Maximum pension You also need to have a qualifying average annual income of at least CHF 90,720 over your entire working life. You can find all the current figures in the table above.

You will probably earn less in your first few years of employment. However, what matters is the average over your entire career. If you are promoted later on and earn significantly more from the age of 40, for example, your average may still exceed the threshold amount.

ImportantYou may none contribution gaps . If you are studying until the age of 25, you must pay the minimum contribution of CHF 530 per year during those years.

Calculation according to scale 44

Pensions are calculated using what are known as pension scales. The Scale 44 This applies to a maximum of 44 contribution years and results in a full pension. If there are gaps in your contributions, the calculation is based on a lower scale (1 to 43), in which case you will only receive a partial pension.

Married couples are subject to splitting: half of the total income earned during the marriage is attributed to each partner.

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Conclusion

The AHV maximum pension In 2026, this will amount to CHF 2,520 per month for individuals and CHF 3,780 for married couples.

With the 13 AHV pension In December, the annual total for recipients of the maximum pension is CHF 32,760 for single people and CHF 49,140 for married couples.

To receive the maximum pension, you need a complete contribution history. Remember to pay the minimum contribution of CHF 530 per year, especially during your studies or stays abroad.

You can find out more about wages here:

FAQ

What is the highest AHV pension?

In 2026, the maximum pension for individuals will be CHF 2,520 per month. Including the 13th AHV pension payment, this amounts to CHF 32,760 per year. For married couples, the maximum pension is CHF 3,780 per month, or CHF 49,140 per year.

What is the difference between a full pension and a maximum pension?

You are entitled to a full pension if you have 44 uninterrupted years of contributions. The amount depends on your income and ranges from the minimum pension to the maximum pension. You will only receive the maximum pension if, in addition, your relevant average annual income is at least CHF 90,720.

Who is entitled to the 13th AHV pension?

All recipients of an AHV old-age pension. Since 2026, the 13th pension payment has been made in December, together with the regular December pension. Survivors’ and IV pensions are excluded.

Maximum AHV pension for married couples in 2026?

In 2026, married couples will receive a maximum of CHF 3,780 per month between them. This is 150% of the maximum pension for a single person. Including the 13th AHV pension, this amounts to CHF 49,140 per year.

4 responses

Hans Gautschi says:

7. November 2025 at 9:59

How high is the widow's pension
Thank you very much for your reply
Hans from Lucerne

Reply
1. Eric says:
  
  11. November 2025 at 5:49
  
  The widow's and widower's pension corresponds to a maximum of 80 % of the old-age pension. But you can obtain more detailed information directly from the SVA - be sure to enquire there for support
  
  Reply
Wurzer Hanspeter says:

9. May 2025 at 11:10

Good day
Question: How or where can I see how long I have been paying into the AHV or, in other words, how high my AHV could be in 2025?

Many thanks and greetings
Hanspeter Wurzer

Reply
1. Eric says:
  
  12. May 2025 at 7:16
  
  Hello Hanspeter
  You can have this calculated free of charge by the SVA. Here is a Link to that.
  
  Reply

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