{"id":32470,"date":"2026-08-04T09:27:31","date_gmt":"2026-08-04T07:27:31","guid":{"rendered":"https:\/\/novassurance.ch\/?page_id=32470"},"modified":"2026-08-04T09:40:46","modified_gmt":"2026-08-04T07:40:46","slug":"simulateur-3e-pilier","status":"publish","type":"page","link":"https:\/\/novassurance.ch\/en\/simulateur-3e-pilier\/","title":{"rendered":"Simulateur 3e pilier : combien allez-vous \u00e9conomiser en 2026 ?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"32470\" class=\"elementor elementor-32470\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f6d3cea elementor-section-content-middle envato-kit-141-top-0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f6d3cea\" data-element_type=\"section\" data-e-type=\"section\" 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menu-item-object-page menu-item-31006\"><a href=\"https:\/\/novassurance.ch\/en\/agence-conseil-en-assurance\/\" class=\"elementor-item menu-link\">\u00c0 propos<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-31011\"><a aria-expanded=\"false\" href=\"https:\/\/novassurance.ch\/en\/assurance-entreprise-suisse\/\" class=\"elementor-item menu-link\">Entreprise<span role=\"button\" class=\"dropdown-menu-toggle ast-header-navigation-arrow\" tabindex=\"0\" aria-expanded=\"false\" aria-label=\"Menu Toggle\" aria-haspopup=\"true\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span><\/span><\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31016\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-lpp-suisse\/\" class=\"elementor-sub-item menu-link\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>LPP<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31014\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-laa-et-laac-suisse\/\" class=\"elementor-sub-item menu-link\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>LAA\/LAAC<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31013\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-ijm-suisse\/\" class=\"elementor-sub-item menu-link\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>IJM<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31020\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-rc-pro-suisse\/\" class=\"elementor-sub-item menu-link\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>RC Pro<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-31017\"><a aria-expanded=\"false\" href=\"https:\/\/novassurance.ch\/en\/assurance-particulier-suisse\/\" class=\"elementor-item menu-link\">Particulier<span role=\"button\" class=\"dropdown-menu-toggle ast-header-navigation-arrow\" tabindex=\"0\" aria-expanded=\"false\" aria-label=\"Menu Toggle\" aria-haspopup=\"true\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span><\/span><\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31015\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-lamal-suisse\/\" class=\"elementor-sub-item menu-link\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>LAMal<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31009\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-complementaire-sante-suisse\/\" class=\"elementor-sub-item menu-link\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>Compl\u00e9mentaire<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31005\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-3e-pilier-suisse\/\" class=\"elementor-sub-item menu-link\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>3e pilier<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-32508\"><a href=\"https:\/\/novassurance.ch\/en\/simulateur-3e-pilier\/\" class=\"elementor-sub-item menu-link\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>Simulateur 3e pilier : combien allez-vous \u00e9conomiser en 2026 ?<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31021\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-rc-et-menage-suisse\/\" class=\"elementor-sub-item menu-link\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>RC\/M\u00e9nage<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31022\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-vehicule-suisse\/\" class=\"elementor-sub-item menu-link\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>V\u00e9hicule<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31019\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-protection-juridique-suisse\/\" class=\"elementor-sub-item menu-link\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>Protection juridique<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31012\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-expatries-suisse\/\" class=\"elementor-item menu-link\">Expatri\u00e9s<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31008\"><a href=\"https:\/\/novassurance.ch\/en\/blog-assurance-suisse\/\" class=\"elementor-item menu-link\">BLOG<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31262\"><a href=\"https:\/\/novassurance.ch\/en\/faq-assurance-suisse\/\" class=\"elementor-item menu-link\">FAQ<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31010\"><a href=\"https:\/\/novassurance.ch\/en\/contact\/\" class=\"elementor-item menu-link\">Contact<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t<div class=\"elementor-menu-toggle\" role=\"button\" tabindex=\"0\" aria-label=\"Menu Toggle\" aria-expanded=\"false\">\n\t\t\t<svg aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--open e-font-icon-svg 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class=\"elementor-screen-only\">Menu<\/span>\n\t\t<\/div>\n\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-cd5a163\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-home menu-item-31004\"><a href=\"https:\/\/novassurance.ch\/en\/\" class=\"elementor-item menu-link\" tabindex=\"-1\">Accueil<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31006\"><a href=\"https:\/\/novassurance.ch\/en\/agence-conseil-en-assurance\/\" class=\"elementor-item menu-link\" tabindex=\"-1\">\u00c0 propos<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-31011\"><a aria-expanded=\"false\" href=\"https:\/\/novassurance.ch\/en\/assurance-entreprise-suisse\/\" class=\"elementor-item menu-link\" tabindex=\"-1\">Entreprise<span role=\"button\" class=\"dropdown-menu-toggle ast-header-navigation-arrow\" tabindex=\"0\" aria-expanded=\"false\" aria-label=\"Menu Toggle\" aria-haspopup=\"true\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span><\/span><\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31016\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-lpp-suisse\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>LPP<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31014\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-laa-et-laac-suisse\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>LAA\/LAAC<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31013\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-ijm-suisse\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>IJM<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31020\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-rc-pro-suisse\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>RC Pro<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-31017\"><a aria-expanded=\"false\" href=\"https:\/\/novassurance.ch\/en\/assurance-particulier-suisse\/\" class=\"elementor-item menu-link\" tabindex=\"-1\">Particulier<span role=\"button\" class=\"dropdown-menu-toggle ast-header-navigation-arrow\" tabindex=\"0\" aria-expanded=\"false\" aria-label=\"Menu Toggle\" aria-haspopup=\"true\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span><\/span><\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31015\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-lamal-suisse\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>LAMal<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31009\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-complementaire-sante-suisse\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>Compl\u00e9mentaire<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31005\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-3e-pilier-suisse\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>3e pilier<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-32508\"><a href=\"https:\/\/novassurance.ch\/en\/simulateur-3e-pilier\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>Simulateur 3e pilier : combien allez-vous \u00e9conomiser en 2026 ?<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31021\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-rc-et-menage-suisse\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>RC\/M\u00e9nage<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31022\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-vehicule-suisse\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>V\u00e9hicule<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31019\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-protection-juridique-suisse\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>Protection juridique<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31012\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-expatries-suisse\/\" class=\"elementor-item menu-link\" tabindex=\"-1\">Expatri\u00e9s<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31008\"><a 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class=\"elementor-element elementor-element-3718f4c e-con-full e-flex e-con e-parent\" data-id=\"3718f4c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;slideshow&quot;,&quot;background_slideshow_gallery&quot;:[{&quot;id&quot;:29292,&quot;url&quot;:&quot;https:\\\/\\\/novassurance.ch\\\/wp-content\\\/uploads\\\/2024\\\/09\\\/Design-sans-titre-1.png&quot;}],&quot;background_slideshow_slide_duration&quot;:5000,&quot;background_slideshow_slide_transition&quot;:&quot;fade&quot;,&quot;background_slideshow_transition_duration&quot;:500}\">\n\t\t<div class=\"elementor-element elementor-element-b09fa67 e-con-full e-flex e-con e-child\" data-id=\"b09fa67\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9c0c8f9 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"9c0c8f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;,&quot;_animation_delay&quot;:500}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Simulateur 3e pilier : combien allez-vous \u00e9conomiser en 2026 ?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cf23535 e-flex e-con-boxed e-con e-parent\" data-id=\"cf23535\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-562df89 elementor-widget elementor-widget-html\" data-id=\"562df89\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.nova-ecrin h1,.nova-ecrin h2,.nova-ecrin h3,.nova-ecrin h4{text-transform:none!important;letter-spacing:normal!important}<\/style>\r\n<div class=\"nova-ecrin\">\r\n<!-- ============================================================\r\n     CHARTE NovAssurance (relev\u00e9e sur le site \u2014 dor\u00e9 + anthracite).\r\n       Accent dor\u00e9  : #C6A15C   (filet gauche des encadr\u00e9s)\r\n       Anthracite   : #1E1E1E   (titre encadr\u00e9 + en-t\u00eate tableau)\r\n       Fond box     : #F7F3EA   (cr\u00e8me chaud)\r\n       Texte courant: #333333\r\n       Texte gris   : #5A6672\r\n     Dor\u00e9 indicatif \u2014 ajuster le hex exact si Guillaume a la valeur officielle.\r\n     ============================================================ -->\r\n\r\n<p style=\"color:#5A6672;font-size:14px;margin:0 0 18px;\">Derni\u00e8re mise \u00e0 jour : ao\u00fbt 2026<\/p>\r\n\r\n<p>Ouvrir un 3e pilier \u00ab fait \u00e9conomiser des imp\u00f4ts \u00bb \u2014 mais combien, concr\u00e8tement, dans <strong>votre<\/strong> situation ? Notre <strong>simulateur 3e pilier<\/strong> vous donne la r\u00e9ponse en trente secondes : votre \u00e9conomie d'imp\u00f4t cette ann\u00e9e, votre capital estim\u00e9 \u00e0 la retraite, et l'\u00e9cart entre un 3a en compte et un 3a en titres. Gratuit, sans engagement, et pens\u00e9 pour la Suisse romande \u2014 que vous soyez salari\u00e9 \u00e0 Gen\u00e8ve, ind\u00e9pendant en Valais ou frontalier.<\/p>\r\n\r\n<div style=\"background:#F7F3EA;border-left:4px solid #C6A15C;padding:18px 22px;margin:26px 0;border-radius:8px;\">\r\n  <p style=\"margin:0 0 10px;font-weight:600;color:#1E1E1E;\">L&#39;essentiel \u00e0 retenir<\/p>\r\n  <ul style=\"margin:0;padding-left:20px;color:#333333;line-height:1.6;\">\r\n    <li>En 2026, le plafond du 3a est de <strong>CHF 7 258<\/strong> pour les personnes affili\u00e9es \u00e0 une caisse de pension, et de <strong>20 % du revenu (au maximum CHF 36 288)<\/strong> pour celles qui n'en ont pas.<\/li>\r\n    <li>Votre \u00e9conomie d'imp\u00f4t annuelle correspond, en premi\u00e8re approche, \u00e0 votre <strong>versement multipli\u00e9 par votre taux marginal d'imposition<\/strong>.<\/li>\r\n    <li>Le 3a en <strong>compte<\/strong> privil\u00e9gie la s\u00e9curit\u00e9 ; le 3a en <strong>titres<\/strong> vise un rendement potentiel plus \u00e9lev\u00e9 sur le long terme, avec davantage de fluctuations.<\/li>\r\n    <li>Nouveaut\u00e9 2026 : le <strong>rachat r\u00e9troactif<\/strong> permet de combler des lacunes de cotisation, mais uniquement d\u00e8s l'ann\u00e9e 2025 et sous conditions strictes.<\/li>\r\n    <li>Le simulateur donne une <strong>estimation indicative<\/strong> ; il ne remplace pas un calcul fiscal individualis\u00e9 ni un conseil personnalis\u00e9.<\/li>\r\n    <li>NovAssurance est un <strong>courtier en assurance ind\u00e9pendant<\/strong> : nous vous accompagnons sur la dur\u00e9e, en toute transparence et sans promesse de rendement.<\/li>\r\n  <\/ul>\r\n<\/div>\r\n\r\n<!-- ========================================================= -->\r\n<!-- IFRAME DU SIMULATEUR                                       -->\r\n<!-- \u26a0\ufe0f Remplacer l'URL src ci-dessous par l'adresse r\u00e9elle    -->\r\n<!-- o\u00f9 le simulateur autonome est publi\u00e9\/h\u00e9berg\u00e9.             -->\r\n<!-- Ajuster la hauteur (height) selon le rendu r\u00e9el.          -->\r\n<!-- ========================================================= -->\r\n<div style=\"max-width:1160px;margin:28px auto;\">\r\n  <iframe id=\"sim3a-frame\" src=\"https:\/\/novassurance.ch\/outil-simulateur-3e-pilier\/\" title=\"Simulateur 3e pilier NovAssurance \u2014 calcul de l'\u00e9conomie d'imp\u00f4t\" style=\"width:100%;height:1200px;border:0;border-radius:14px;\" loading=\"lazy\"><\/iframe>\r\n  <script>\r\n  (function(){\r\n    var f=document.getElementById(\"sim3a-frame\");\r\n    function fit(){ try{ var h=f.contentWindow.document.documentElement.scrollHeight; if(h>200) f.style.height=h+\"px\"; }catch(e){} }\r\n    if(f){ f.addEventListener(\"load\",fit); window.addEventListener(\"resize\",fit);\r\n      [400,1000,2000].forEach(function(t){ setTimeout(fit,t); }); setInterval(fit,1200); }\r\n  })();\r\n  <\/script>\r\n<\/div>\r\n\r\n<h2>Comment fonctionne le simulateur 3e pilier ?<\/h2>\r\n<p><strong>Le simulateur estime votre \u00e9conomie d'imp\u00f4t et votre capital retraite \u00e0 partir de quelques informations : votre \u00e2ge, votre revenu, votre affiliation ou non \u00e0 une caisse de pension, le montant que vous pr\u00e9voyez de verser et vos hypoth\u00e8ses de rendement.<\/strong> Il applique les plafonds l\u00e9gaux 2026 et calcule, d'un c\u00f4t\u00e9, l'imp\u00f4t \u00e9pargn\u00e9 gr\u00e2ce \u00e0 la d\u00e9duction, et de l'autre, la projection de votre avoir jusqu'\u00e0 l'\u00e2ge de retraite vis\u00e9. Vous pouvez ajuster chaque param\u00e8tre \u2014 notamment votre taux marginal d'imposition, qui d\u00e9pend de votre canton, de votre commune et de votre situation familiale.<\/p>\r\n<div style=\"background:#F7F3EA;border-left:4px solid #C6A15C;padding:10px 16px;margin:16px 0;border-radius:6px;font-style:italic;color:#333333;\">En bref : entrez votre situation, le simulateur calcule instantan\u00e9ment votre \u00e9conomie d'imp\u00f4t et votre capital estim\u00e9.<\/div>\r\n\r\n<h2>Combien peut-on d\u00e9duire du 3e pilier en 2026 ?<\/h2>\r\n<p><strong>En 2026, vous pouvez d\u00e9duire jusqu'\u00e0 CHF 7 258 si vous \u00eates affili\u00e9 \u00e0 une caisse de pension, ou jusqu'\u00e0 20 % de votre revenu d'activit\u00e9 (plafonn\u00e9 \u00e0 CHF 36 288) si vous n'en avez pas.<\/strong> Ce second plafond concerne surtout les ind\u00e9pendants et les personnes dont le revenu annuel reste sous le seuil d'entr\u00e9e LPP de CHF 22 680. Les versements sont d\u00e9ductibles du revenu imposable au niveau f\u00e9d\u00e9ral, cantonal et communal.<\/p>\r\n\r\n<table style=\"width:100%;border-collapse:collapse;margin:18px 0;font-size:15px;\">\r\n  <thead>\r\n    <tr style=\"background:#1E1E1E;color:#ffffff;\">\r\n      <th style=\"text-align:left;padding:10px 12px;border:1px solid #D5DAD3;\">Votre situation<\/th>\r\n      <th style=\"text-align:left;padding:10px 12px;border:1px solid #D5DAD3;\">Plafond 3a d\u00e9ductible en 2026<\/th>\r\n    <\/tr>\r\n  <\/thead>\r\n  <tbody>\r\n    <tr>\r\n      <td style=\"padding:10px 12px;border:1px solid #D5DAD3;\">Salari\u00e9 affili\u00e9 \u00e0 une caisse de pension (2e pilier)<\/td>\r\n      <td style=\"padding:10px 12px;border:1px solid #D5DAD3;\"><strong>CHF 7 258<\/strong><\/td>\r\n    <\/tr>\r\n    <tr style=\"background:#F7F3EA;\">\r\n      <td style=\"padding:10px 12px;border:1px solid #D5DAD3;\">Ind\u00e9pendant ou salari\u00e9 sans caisse de pension<\/td>\r\n      <td style=\"padding:10px 12px;border:1px solid #D5DAD3;\"><strong>20 % du revenu, au maximum CHF 36 288<\/strong><\/td>\r\n    <\/tr>\r\n  <\/tbody>\r\n<\/table>\r\n<div style=\"background:#F7F3EA;border-left:4px solid #C6A15C;padding:10px 16px;margin:16px 0;border-radius:6px;font-style:italic;color:#333333;\">En bref : le plafond 2026 est de CHF 7 258 avec caisse de pension, et de 20 % du revenu (max CHF 36 288) sans.<\/div>\r\n\r\n<h2>Comment le 3e pilier r\u00e9duit-il vos imp\u00f4ts ?<\/h2>\r\n<p><strong>Chaque franc vers\u00e9 dans le pilier 3a se d\u00e9duit de votre revenu imposable : l'\u00e9conomie r\u00e9elle d\u00e9pend donc de votre taux marginal d'imposition.<\/strong> Concr\u00e8tement, si vous versez le maximum de CHF 7 258 et que votre taux marginal est de 30 %, vous \u00e9conomisez environ <strong>CHF 2 177 d'imp\u00f4t<\/strong> pour l'ann\u00e9e. Plus votre revenu et votre taux d'imposition sont \u00e9lev\u00e9s, plus l'effet de levier fiscal est marqu\u00e9. Ce taux marginal varie fortement d'une commune genevoise ou valaisanne \u00e0 l'autre : le simulateur le pr\u00e9-remplit selon votre canton, mais vous pouvez l'ajuster pour coller \u00e0 votre r\u00e9alit\u00e9.<\/p>\r\n<div style=\"background:#F7F3EA;border-left:4px solid #C6A15C;padding:10px 16px;margin:16px 0;border-radius:6px;font-style:italic;color:#333333;\">En bref : l'\u00e9conomie d'imp\u00f4t d'un versement 3a \u00e9quivaut \u00e0 ce versement multipli\u00e9 par votre taux marginal d'imposition.<\/div>\r\n\r\n<h2>3a en compte ou en titres : quelle diff\u00e9rence pour votre capital ?<\/h2>\r\n<p><strong>Un 3a en compte garantit votre capital avec un int\u00e9r\u00eat modeste ; un 3a en titres investit votre \u00e9pargne sur les march\u00e9s, avec un rendement potentiel plus \u00e9lev\u00e9 mais des fluctuations.<\/strong> Sur un horizon long, l'\u00e9cart de capital projet\u00e9 peut \u00eatre significatif \u2014 le simulateur l'illustre avec deux barres comparatives. Le choix d\u00e9pend de votre horizon de placement, de votre tol\u00e9rance au risque et de votre situation globale. Les performances pass\u00e9es ne pr\u00e9jugent pas des performances futures : aucune projection ne constitue une garantie.<\/p>\r\n<div style=\"background:#F7F3EA;border-left:4px solid #C6A15C;padding:10px 16px;margin:16px 0;border-radius:6px;font-style:italic;color:#333333;\">En bref : le 3a en compte s\u00e9curise, le 3a en titres vise davantage de rendement sur le long terme, avec plus de volatilit\u00e9.<\/div>\r\n\r\n<h2>Rachat r\u00e9troactif du 3e pilier : la nouveaut\u00e9 2026<\/h2>\r\n<p><strong>Depuis 2026, il est possible de combler r\u00e9troactivement des lacunes de cotisation dans le pilier 3a \u2014 mais uniquement pour les ann\u00e9es \u00e0 partir de 2025, et sous conditions strictes.<\/strong> Les lacunes ant\u00e9rieures \u00e0 2025 sont d\u00e9finitivement exclues. Le rachat est plafonn\u00e9 au \u00ab petit \u00bb montant 3a (CHF 7 258 par ann\u00e9e de lacune), quel que soit votre statut, et n'est autoris\u00e9 que si vous avez d\u00e9j\u00e0 vers\u00e9 le maximum ordinaire de l'ann\u00e9e en cours. Il faut par ailleurs avoir per\u00e7u un revenu soumis \u00e0 l'AVS aussi bien l'ann\u00e9e de la lacune que l'ann\u00e9e du rachat. Chaque lacune se comble en <strong>un seul versement<\/strong> (pas de fractionnement), sur demande \u00e9crite \u00e0 votre institution de pr\u00e9voyance, dans un d\u00e9lai de dix ans. Une lacune de 2025 peut ainsi \u00eatre rachet\u00e9e jusqu'en 2035.<\/p>\r\n<div style=\"background:#F7F3EA;border-left:4px solid #C6A15C;padding:10px 16px;margin:16px 0;border-radius:6px;font-style:italic;color:#333333;\">En bref : le rachat r\u00e9troactif 3a existe depuis 2026, pour les lacunes d\u00e8s 2025 seulement, plafonn\u00e9 \u00e0 CHF 7 258 par ann\u00e9e et d\u00e9ductible l'ann\u00e9e du versement.<\/div>\r\n\r\n<h2>Frontaliers et 3e pilier : un cas particulier<\/h2>\r\n<p><strong>Pour un frontalier, la d\u00e9ductibilit\u00e9 du 3e pilier n'est pas automatique : elle d\u00e9pend de votre mode d'imposition en Suisse.<\/strong> Un frontalier impos\u00e9 \u00e0 la source ne peut g\u00e9n\u00e9ralement d\u00e9duire ses versements 3a qu'en obtenant le statut de quasi-r\u00e9sident, via une taxation ordinaire ult\u00e9rieure. Les r\u00e8gles \u00e9voluent et se v\u00e9rifient au cas par cas. Si vous \u00eates concern\u00e9, notre page d\u00e9di\u00e9e aux <a href=\"https:\/\/novassurance.ch\/assurance-expatries-suisse\/\">assurances pour expatri\u00e9s et frontaliers<\/a> et un \u00e9change avec nos conseillers vous \u00e9viteront une mauvaise surprise fiscale.<\/p>\r\n<div style=\"background:#F7F3EA;border-left:4px solid #C6A15C;padding:10px 16px;margin:16px 0;border-radius:6px;font-style:italic;color:#333333;\">En bref : pour un frontalier, la d\u00e9duction 3a d\u00e9pend du statut fiscal et n'est souvent possible qu'en quasi-r\u00e9sident.<\/div>\r\n\r\n<h2>Questions fr\u00e9quentes sur le simulateur 3e pilier<\/h2>\r\n\r\n<h3>Le simulateur 3e pilier est-il gratuit ?<\/h3>\r\n<p>Oui. Le simulateur est enti\u00e8rement gratuit et sans engagement. Vous obtenez votre estimation imm\u00e9diatement, sans avoir \u00e0 cr\u00e9er de compte.<\/p>\r\n\r\n<h3>Les r\u00e9sultats du simulateur sont-ils exacts ?<\/h3>\r\n<p>Le simulateur fournit une estimation fiable bas\u00e9e sur les plafonds l\u00e9gaux 2026 et sur les hypoth\u00e8ses que vous saisissez. Il ne remplace toutefois pas un calcul fiscal individualis\u00e9 : votre taux marginal r\u00e9el d\u00e9pend de votre commune, de votre \u00e9tat civil et de l'ensemble de vos revenus.<\/p>\r\n\r\n<h3>Quand faut-il verser son 3e pilier pour b\u00e9n\u00e9ficier de la d\u00e9duction ?<\/h3>\r\n<p>Le versement doit \u00eatre cr\u00e9dit\u00e9 sur votre compte 3a avant le 31 d\u00e9cembre de l'ann\u00e9e concern\u00e9e pour \u00eatre d\u00e9ductible de cette ann\u00e9e-l\u00e0. Verser t\u00f4t dans l'ann\u00e9e permet aussi de faire travailler votre \u00e9pargne plus longtemps.<\/p>\r\n\r\n<h3>Puis-je avoir plusieurs comptes 3e pilier ?<\/h3>\r\n<p>Oui, ouvrir plusieurs comptes 3a est courant et peut s'av\u00e9rer avantageux au moment du retrait, qui est impos\u00e9 s\u00e9par\u00e9ment \u00e0 un taux r\u00e9duit. Le total de vos versements annuels reste n\u00e9anmoins soumis au plafond l\u00e9gal.<\/p>\r\n\r\n<h2>Passez de l'estimation \u00e0 un vrai plan<\/h2>\r\n<p>Le simulateur vous montre le potentiel de votre 3e pilier \u2014 mais il ne voit qu'une pi\u00e8ce du puzzle. Un bilan patrimonial complet croise pr\u00e9voyance, fiscalit\u00e9, situation familiale et projets pour dimensionner la strat\u00e9gie qui vous correspond vraiment. Courtier en assurance ind\u00e9pendant, NovAssurance vous conseille en toute transparence, sans promesse de rendement, et assure un suivi dans la dur\u00e9e \u2014 l\u00e0 o\u00f9 un comparateur en ligne s'arr\u00eate au premier chiffre. Pour aller plus loin, consultez notre page <a href=\"https:\/\/novassurance.ch\/assurance-3e-pilier-suisse\/\">assurance 3e pilier en Suisse<\/a>, notre guide sur <a href=\"https:\/\/novassurance.ch\/assurance-vie-selon-age-projets\/\">l'assurance vie selon votre \u00e2ge et vos projets<\/a>, ou les rep\u00e8res officiels de l'<a href=\"https:\/\/www.bsv.admin.ch\/\" target=\"_blank\" rel=\"noopener\">Office f\u00e9d\u00e9ral des assurances sociales<\/a> et de l'<a href=\"https:\/\/www.estv.admin.ch\/\" target=\"_blank\" rel=\"noopener\">Administration f\u00e9d\u00e9rale des contributions<\/a>.<\/p>\r\n<\/div>\r\n\r\n<script type=\"application\/ld+json\">\r\n{\r\n \"@context\": \"https:\/\/schema.org\",\r\n \"@graph\": [\r\n  {\r\n   \"@type\": \"WebPage\",\r\n   \"@id\": \"https:\/\/novassurance.ch\/simulateur-3e-pilier\/\",\r\n   \"url\": \"https:\/\/novassurance.ch\/simulateur-3e-pilier\/\",\r\n   \"name\": \"Simulateur 3e pilier \u2013 \u00e9conomie d'imp\u00f4t 2026 | NovAssurance\",\r\n   \"description\": \"Estimez votre \u00e9conomie d'imp\u00f4t et votre capital retraite gr\u00e2ce au 3e pilier. 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id=\"wpforms-form-32391\" class=\"wpforms-validate wpforms-form wpforms-ajax-form\" data-formid=\"32391\" method=\"post\" enctype=\"multipart\/form-data\" action=\"\/en\/wp-json\/wp\/v2\/pages\/32470\" data-token=\"b06a0aae10a5601aa36e8fb8eca2d6ee\" data-token-time=\"1785889600\"><div class=\"wpforms-head-container\"><div class=\"wpforms-title\">Contact simulateur 3a<\/div><div class=\"wpforms-description\">Bilan patrimonial complet ou simple question \u2014 nos conseillers vous r\u00e9pondent, gratuitement et sans engagement.<\/div><\/div><noscript class=\"wpforms-error-noscript\">Please enable JavaScript in your browser to complete this form.<\/noscript><div id=\"wpforms-error-noscript\" style=\"display: none;\">Please enable JavaScript in your browser to complete this form.<\/div><div class=\"wpforms-field-container\">\t\t<div id=\"wpforms-32391-field_6-container\"\n\t\t\tclass=\"wpforms-field 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