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When is a retroactive contribution into pillar 3a worth it, and how exactly does it work?
Since 2026, you can also make retroactive contributions into pillar 3a! So if you paid in less over the last few years (from 2025), whether due to further education, a parental leave, or simply because money was tight, you can now close these gaps with ease. This is your chance to do even more for your future while lowering your tax bill at the same time.
When a retroactive contribution into pillar 3a makes sense for you and how this contribution works can be read in detail in this blog post.
In short:
Calculate the amount of your retroactive contribution.
Register the retroactive contribution directly in the app and confirm that you meet all the requirements for it.
Make the deposit (as a reminder: only one retroactive contribution per year is possible!).
Don't forget to enclose the tax certificate with your next tax return and list the «normal» 3a deposit together with the retroactive contribution under deductions.
