Swiss personal finance · 2026
More clarity on your money in Switzerland.
Swiss Finly helps you understand your finances step by step. The calculators — salary, pillar 3a, mortgage, investing and more — don't just give a number: they show what's behind it, in plain language. Free, no account, no ads. Built for people living and working in Switzerland.
Why this site exists
Living and working in Switzerland means dealing with rules around AHV/AVS, pillar 3a, mortgage, income tax, leasing and more. They're not always explained simply. Swiss Finly brings together practical calculators and notes to help you understand your situation over time and make more informed decisions — without replacing a financial advisor.
Behind Swiss FinlyPrivacy first
Nothing you type is sent anywhere. There are no accounts, no ads, no affiliate links and no tracking of your financial inputs.
Assumptions in the open
Every result lists the rules and rates it used, and the Swiss parameters are documented with their official sources.
Estimates, not advice
These tools approximate Swiss rules to help you think. They are not official payroll, tax or financial advice.
The tools
Each tool starts with a concrete question that people living in Switzerland ask. Try different scenarios: everything stays on your device.
Salary & Taxes
What lands on your payslip, and how Swiss deductions and taxes shape it.
Property
How much home Swiss affordability rules actually allow.
Investing
Long-term growth, contributions and the effect of inflation.
Planning
Step back and look at the whole picture before optimising the details.
Lifestyle
Everyday money decisions where the true cost is easy to misjudge.
Learn
Short, factual notes on the product structures and fees behind the numbers.
Tips: costs & fine print
Insurance-based 3a policies, low-cost 3a foundations, low-fee ETF investing and the fees worth checking first.