The 13th AHV Pension is Coming: Is it Enough for Your Retirement?

From December 2026, recipients of the AHV old-age pension will receive a 13th AHV pension for the first time. This additional payment creates more financial flexibility, but does not replace long-term pension planning.

When will the 13th AHV pension be paid?

The first payment will be made in December 2026. Those receiving an AHV old-age pension in December are eligible. No separate application is necessary.

How high is the additional pension?

The 13th AHV pension generally corresponds to one-twelfth of the old-age pension actually paid out during the calendar year. The exact amount therefore depends on your individual pension situation.

Is that enough for retirement?

The AHV is only part of your retirement provision. The key is the interplay of AHV, pension fund / BVG, pillar 3a, assets and your future expenses.

A pension analysis shows whether there is a gap and what options you still have to better prepare financially for retirement.

The 13th AHV pension is a welcome addition. Nevertheless, a comprehensive review of your pension planning is still worthwhile for a financially relaxed retirement.