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Maximum AHV pension in 2026 – what you need to know

The Maximum AHV pension in 2026 remains unchanged at £2,520 – but pensioners will still receive significantly more money. The reason: in December 2026, the 13th AHV pension for the first time paid out.

In concrete terms, this means that instead of 12 monthly pensions, there will now be 13. For recipients of the maximum pension, this amounts to an additional CHF 2,520 per year – an increase of 8.31%.

In this article, you will learn how much the AHV pensions will be in 2026, who is entitled to the 13th pension and how the maximum pension is calculated.

Table of contents

What will change with the AHV in 2026?

Monthly AHV pensions will remain unchanged in 2026. The Federal Council adjusts pensions every two years in line with price and wage trends – the last increase took place on 1 January 2025.

The major innovation in 2026: The 13th AHV pension is being paid out for the first time. On 3 March 2024, the Swiss people and cantons approved the initiative «For a better life in old age». This means that all AHV pensioners will receive an additional monthly pension per year – 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.

New AHV maximum pension for individuals

The maximum monthly pension will remain at CHF 2,520 in 2026, while the minimum pension will remain at CHF 1,260.
However, the 13th AHV pension significantly increases the annual total:

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

The minimum contributions will also remain unchanged in 2026. Self-employed persons, persons not in gainful employment and students will continue to pay CHF 530 per year. Swiss citizens living abroad who voluntarily join the AHV will pay CHF 1,010 per year.

As AHV pensions will not be adjusted in 2026, pension fund figures will also remain stable: the coordination deduction will remain at CHF 26,460 and the entry threshold at CHF 22,680.

New AHV maximum pension for married couples

The ceiling continues to apply to married couples: together, they receive a maximum of 150% of the maximum individual pension.
The maximum monthly pension for married couples remains at CHF 3,780. With the 13th AHV pension, this amounts to:

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

That is CHF 3,780 more than in 2025 (CHF 45,360).

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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?

You will receive the minimum pension if you have made continuous contributions since 1 January of the year in which you turned 21. For the Maximum pension (also Full pension ), you must also achieve a certain average income over your entire working life – the current figures can be found in the table below.

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 should still voluntarily pay the minimum contribution during these years.
Calculation according to Scale 44
Pensions are calculated according to pension scales. Scale 44 applies to the maximum number of 44 contribution years and results in a full pension. If there are gaps in your contributions, a lower scale (1–43) is used for the calculation – you will then 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.

AHV pension 2026 table

AHV key figures for 2026

key figureAmount
Maximum pension single personCHF 2,520/month.
Minimum pension single personCHF 1,260/month.
Maximum pension for married coupleCHF 3,780/month.
13 AHV pensionYes, for the first time in December 2026
Annual total maximum pension for a single person£32,760
Annual total Maximum pension Married couple£49,140
Minimum contribution for self-employed/non-employed persons£530/year
Minimum contribution for Swiss abroadCHF 1,010/year
Coordination deduction (pension fund)£26,460
Entry threshold pension fundCHF 22,680
Average income for maximum pensionCHF 90,720

As of January 2026. Next adjustment in January 2027 at the earliest.

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Conclusion

Monthly AHV pensions will remain unchanged in 2026 – the maximum pension for individuals will continue to be CHF 2,520, and CHF 3,780 for married couples.


The major innovation: In December 2026, for the first time the 13. AHV pension paid out. This brings the annual total for recipients of the maximum pension to CHF 32,760 (single persons) and CHF 49,140 (married couples) – an increase of 8.31%.


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

The maximum pension for individuals in 2026 is CHF 2,520 per month. With the 13th AHV pension, 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.

You will receive a full pension if you have paid contributions for 44 consecutive years. You will only receive the maximum pension if your average income is above CHF 90,720.

All recipients of an AHV retirement pension. The 13th pension will be paid out for the first time in December 2026. Survivors' and IV pensions are excluded.

Married couples receive a maximum of CHF 3,780 per month (150% of the maximum individual pension). With the 13th pension, this amounts to CHF 49,140 per year.

4 responses

    1. 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

  2. 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
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