Planning
Swiss Financial Check-up
A short questionnaire that turns your situation into an estimated score across five areas most Swiss households can influence: an emergency buffer, pillar 3a, long-term investing, debt and how much you set aside each month. It compares your answers with widely used rules of thumb — nothing more.
Educational guidance only — not financial advice. This score is a rough orientation built on generic rules of thumb. It does not know your pension fund, taxes, family situation, job security or goals, and it is not a substitute for a licensed adviser. Nothing you type leaves your browser.
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Estimated financial score
Reasonable base, room to tighten
Your strongest area looks like Savings rate, and the one with the most room is Emergency fund. This score is an educational orientation based on general rules of thumb — it is not an assessment of your finances and not personal advice.
Emergency buffer
3.6 mo
Months of expenses in liquid savings
3a maximum used
49.6%
Estimated maximum: CHF 7'258 per year
Estimated savings rate
32.7%
Set aside per month vs gross income
Debt to income
0%
Non-mortgage debt vs gross annual salary
Rule-of-thumb invested target
CHF 95'000
Approximate orientation at age 35
Rough net worth
CHF 60'000
Savings, investments and 3a minus debt
Category breakdown
Each area is rated against a general rule of thumb, then weighted into the overall score.
Emergency fund
Could improve · 68/100 · weight 25%
Expenses covered by liquid savings: 3.6 mo
Rule of thumb: 3–6 months
Many financial-education sources suggest holding three to six months of living costs in cash before investing more aggressively. Topping up the buffer first is the usual order, because it is what prevents having to sell investments at a bad moment.
Pillar 3a
Could improve · 68/100 · weight 20%
Share of the maximum deductible contribution: 49.6%
Maximum for your status: CHF 7'258 per year
The deduction only counts for what you actually pay in, and unused years generally cannot be caught up later. Increasing the yearly amount towards the maximum — for example via a standing order spread over twelve months — is the standard educational suggestion.
Investments
Could improve · 71/100 · weight 20%
Invested assets vs age-based rule of thumb: 47.4%
Rule of thumb at age 35: about CHF 95'000
A common rule of thumb is that invested assets grow towards a multiple of annual income as you get older. Regular, automated contributions to a broadly diversified, low-cost solution are the usual educational suggestion — timing markets is not.
Debt
Strong · 100/100 · weight 15%
Non-mortgage debt vs gross annual income: 0%
Rule of thumb: as close to 0% as possible
No meaningful non-mortgage debt. General guidance is to keep it that way: consumer credit, card balances and car loans in Switzerland typically cost far more per year than a diversified portfolio is expected to return.
Savings rate
Strong · 100/100 · weight 20%
Saved and invested per month vs gross income: 32.7%
Rule of thumb: at least 10–20%
Putting aside a substantial share of gross income each month is the single strongest driver of long-term outcomes in most educational models — more than product choice or return assumptions. Automating it makes it durable.
What these numbers mean
The score is not a measure of how well you are doing in life, and there is no official Swiss financial score. It simply checks five habits that most financial-education material agrees on, and expresses the distance to a common rule of thumb as a number so that changes are easy to see.
The order of the categories matters more than the total. A liquid buffer of roughly three to six months of expenses comes first, because it is what keeps an unexpected event from turning into expensive debt. Clearing consumer debt normally comes next, since its interest rate usually exceeds any realistic investment return. Pillar 3a follows, because the deduction is use-it-or-lose-it each year. Broad long-term investing comes after those, with money you will not need for years.
Your savings rate is the one input with the largest long-term effect, and it is estimated here: net income is approximated from your gross salary rather than calculated from a payslip. Treat every figure on this page as approximate.
None of the suggestions above are tailored to you. They are fixed texts selected by category and rating, written for a general audience. For decisions that matter, speak to an independent, licensed adviser.
This check-up provides general financial education, not personalised financial, tax, pension or investment advice, and it is not a suitability or risk assessment.
All results are approximate estimates based on generic rules of thumb and the figures you entered. Your inputs stay in your browser: nothing is stored, transmitted or tracked.