There is also the third pillar, the personal pension, in addition to the AHV and second pillar. In the third pillar (or, more accurately, pillar 3a), it is possible to voluntarily save money for life after retirement. The state promotes such savings, to a certain extent, with limited tax rebates.

Employees who already pay contributions to AHV and the pension fund can also pay up to CHF 7,000 per year (a new amount is stipulated every year) into the third pillar and offset this money for tax purposes. Self-employed people can pay 20% of their annual income into the third pillar and offset this amount for tax purposes (there is an upper limit for this too). The third pillar is therefore the most important form of old-age pension for self-employed people.