Insurance

13th AHV Pension 2026

March 1, 2026

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10 min

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checkeverything.ch Team

The 13th AHV pension is coming! First payment in December 2026. Who gets how much? All information about calculation and financing.

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Following the historic referendum in March 2024, the 13th AHV pension is now becoming reality. In December 2026, Swiss pensioners will receive the additional monthly pension for the first time - an important milestone for retirement provision.

In this article, you'll learn everything about the 13th AHV pension: When it will be paid out, how much you'll receive, and how the financing is to be secured.

✅ Confirmed: First Payment in December 2026The Federal Council has decided on the implementation of the 13th AHV pension. The first payment will be made in December 2026 - retroactively for the entire year 2026.

Key Facts About the 13th AHV Pension

Aspect	Details
First Payment	December 2026
Payment Mode 2026	One-time in December (for entire year)
From 2027	Monthly payment as supplement
Amount	1/12 of annual pension additional (= one extra month)
Eligible Persons	All AHV pension recipients (retirement, widow, orphan pensions)

How Much Extra Will You Receive

The 13th AHV pension equals exactly one additional monthly pension - that is, 1/12 of your annual pension extra.

Example Calculations 2026

Pension Type	Monthly Pension	13th Pension 2026	New Annual Pension
Maximum pension (individual)	CHF 2,520	+ CHF 2,520	CHF 32,760
Average pension	CHF 1,950	+ CHF 1,950	CHF 25,350
Minimum pension	CHF 1,260	+ CHF 1,260	CHF 16,380
Married couple (capped)	Max. CHF 3,780	+ CHF 3,780	CHF 49,140

📊 Note: The exact amounts for 2026 will be determined by the Federal Council and may vary slightly. The values are based on current pension scales.

Who Is Entitled to the 13th AHV Pension?

Eligible Persons

Pension Type	Entitled to 13th Pension?
Retirement pension	✅ Yes
Widow/widower pension	✅ Yes
Orphan pension	✅ Yes
Child pension (with retirement pension)	✅ Yes
IV pension (disability)	❌ No (not affected)
Supplementary benefits (EL)	❌ No (separate regulation)

What About Supplementary Benefits (EL)?

📌 Important for EL Recipients

The 13th AHV pension is counted as income. This means: Those receiving supplementary benefits may receive correspondingly less EL. However, the Federal Council is examining an adjustment to the EL calculation so that EL recipients can also benefit.

How Is the 13th AHV Pension Financed?

The financing of the 13th AHV pension is not yet fully clarified. The estimated costs:

Year	Estimated Costs
2026	CHF 4.1 billion
2030	CHF 4.8 billion
2035	CHF 5.5 billion

Discussed Financing Options

Increase in wage contributions: Employees and employers pay more AHV contributions
Increase in VAT: By 0.4-0.8 percentage points
Use of National Bank profits: Part of SNB profits for AHV
Combination: Mix of various measures

Impact on Your Retirement Provision

The 13th AHV pension significantly improves the financial situation of pensioners. Nevertheless, solid retirement planning remains important.

The Three Pillars Overview

Pillar	Goal	13th Pension?
1st Pillar (AHV)	Basic security	✅ Yes - new!
2nd Pillar (Pension Fund)	Standard of living security	No change
3rd Pillar (3a/3b)	Individual supplement	Still important!

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Frequently Asked Questions About the 13th AHV Pension

Do I Need to Do Anything?

No. The 13th AHV pension is paid out automatically. You don't need to apply for anything.

When Will I Receive the Money?

In December 2026, the entire 13th pension for the year 2026 will be paid out at once. From 2027, payment will then be monthly.

Is the 13th Pension Taxable?

Yes, like the regular AHV pension, the 13th pension is also subject to income tax.

What If I Only Receive Pension for Part of 2026?

The 13th pension is calculated proportionally for the months in which you received a pension.

Will My Health Insurance Premium Increase?

The higher pension may affect premium subsidies. Check your entitlement with the cantonal office.

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Conclusion: An Important Step for Retirement Provision

The 13th AHV pension is a historic success for Swiss pensioners. With the additional monthly pension, the financial situation in retirement is noticeably improved.

Our Recommendations:

Plan the 13th pension into your budget
Use the time until retirement to optimize your pension
Regularly compare your health insurance premiums
Consider the taxes on the additional pension

Legal Notice: The information in this article is for informational purposes only and does not constitute legal or financial advice. The exact modalities of the 13th AHV pension will be definitively determined by the Federal Council. Status: March 2026.