Swiss retirement age: your AVS reference date
A Swiss date kept separate from your French retirement.
Retirement & savings
AVS retirement budget: CHF and euro pensions
Your pension funds estimate your entitlements. This tool helps you see what they mean together for your budget in France.
Editable example · calculation assumptions, not an offer
Alperea Assurances
Your calculation
Enter pension estimates provided by your funds or ESCAL. The tool does not derive your AVS entitlement from your salary. The 13th pension depends on eligible old-age pensions received during the year and entitlement in December. LPP and French pensions are still calculated over twelve months here: adjust their amounts if their starting dates differ. AVS old-age pension only, excluding disability, survivors, child benefits and supplements. A 2026 estimate: your fund determines the final payment.
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Scenario kept on this page
Understanding this result
A France–Switzerland overview based on your funds' estimates.
Enter pension estimates supplied by your funds or ESCAL. The projection annualises LPP and French pensions over twelve months. For AVS, it uses the number of months entered and a 13th pension equal to one twelfth of eligible pensions for the year, provided entitlement exists in December.
Why not prorate the maximum AVS pension using my years of contributions?
Relevant average annual income, gaps, credits and income splitting can affect the amount. Simply prorating the maximum pension would give a misleading impression of accuracy.
Sources and method
Method checked on Oct 21, 2026
