Same contribution, 35 years: savings account = CHF 295K. Investment fund = CHF 550K. That's a CHF 255K gap from one decision. This calculator uses real Swiss provider data (Finpension, VIAC, UBS, PostFinance), not hypothetical rates. It shows 3 scenarios, compares savings vs. investments, and reveals fee impact in absolute CHF. The cheapest vs. most expensive provider over 35 years? CHF 220K difference. Just fees. No signup. No ads. 2026 limits.