Sitemap
Pages
💼 Salary & Tax
Calculators
- Gross-to-Net Salary Calculator
- 13th Month Salary Calculator
- Hourly Wage to Annual Salary
- Part-Time Salary & Pension Insurance
- AHV / IV / EO / ALV Contributions
- Self-Employed AHV Contributions
- Withholding Tax (Verrechnungssteuer) Refund
- Swiss VAT (MWST) Calculator
- Tax Saving From a Deduction
- Commuting Cost Deduction
Articles
- How Swiss Taxes Work: Federal, Cantonal and Municipal
- Your Swiss Payslip Explained: From Gross to Net
- Moving to Switzerland: Money Basics for Expats and Cross-Border Workers
- Filling In Your Swiss Tax Return: A Practical Guide
- Tax at Source (Quellensteuer): Who Pays and When to Ask for a Correction
- Charitable Giving in Switzerland: How Donations Reduce Your Tax
- Legal Tax Optimization for Employees: Seven Levers That Work
- Tax Differences Between Swiss Cantons: What to Compare Before You Move
- Church Tax in Switzerland: Who Pays and How to Leave
- Professional Expenses and Home Office: What You Can Deduct
🏔️ Retirement & Pensions
Calculators
- Pillar 3a Contribution & Tax Saving
- Pillar 3a Growth Projection
- 3a Account vs. Taxable Investing
- 3a Staggered Withdrawal Savings
- Pension Fund Buy-In Tax Benefit
- Pension Fund Conversion Rate
- AHV Pension Estimate
- Retirement Income Gap
- Retirement Capital Needed
- AHV Early / Late Retirement Calculator
Articles
- The Swiss Three-Pillar Pension System Explained
- Pillar 3a: The Complete Guide to Tax-Free Retirement Saving
- AHV: How Your State Pension Is Calculated
- Your Pension Fund (BVG): Buy-Ins, Conversion Rates and Choices
- Changing Jobs: What Happens to Your Pension Fund Savings
- Using Your Pension Fund to Buy a Home (WEF)
- Pension or Lump Sum? How to Choose at Retirement
- Pension Fund Buy-Ins: A Step-by-Step Strategy
- Retirement Planning in Switzerland: A Checklist by Age
- AHV Contribution Gaps: How to Find and Close Them
- AHV 21: What the Reform Means for Retirement Age and Flexibility
- Pillar 3a Withdrawal: How to Plan the Tax
- Retiring Before 65: Accessing Pension Money and Bridging the Gap
- Your Pension Fund’s Health: Funding Ratio, Interest and Conversion Rate
- Retiring Abroad: What Happens to Your Swiss Pensions and Taxes
🏠 Mortgage & Property
Calculators
- Mortgage Affordability Calculator
- Mortgage Monthly Cost
- Direct vs. Indirect Amortization
- Fixed vs. SARON Mortgage
- Equity & Closing Costs Needed
- Property Transfer Tax & Notary Costs
- Rent vs. Buy Calculator
- Rent & Reference Interest Rate
- How Much Rent Can I Afford?
- Eigenmietwert Tax Effect
Articles
- Buying Property in Switzerland: Equity, Affordability and Costs
- SARON vs. Fixed-Rate Mortgage: Which One Should You Choose?
- The End of the Eigenmietwert: What Changes for Homeowners
- Renting in Switzerland: Deposit, Reference Rate and Your Rights
- Mortgage Amortization: Direct, Indirect or Not at All?
- How to Negotiate a Better Mortgage in Switzerland
- Maintenance and Renovation Costs for Swiss Homeowners
- Can Foreigners Buy Property in Switzerland? The Lex Koller Rules
- Moving Out of a Rental: Notice, Handover and Getting Your Deposit Back
- Stress-Testing Your Mortgage: Can You Handle Higher Rates?
- Rent or Buy? A Decision Guide for Swiss Households
- Property Taxes and Tax Values in Switzerland
- The Home Purchase Process in Switzerland: From Offer to Land Register
- Renting Out Property: Income, Costs and Tax
- Building Your Own Home: Budget, Financing and Pitfalls
📈 Savings & Investing
Calculators
- Compound Interest Calculator
- Savings Goal Calculator
- Monthly Savings Growth
- Fund Fee Impact (TER)
- Rule of 72 – Doubling Time
- CAGR Calculator
- Swiss Dividend Income After Tax
- Wealth Tax Drag on Returns
- Financial Independence (FIRE) Number
- Repay Mortgage or Invest?
Articles
- Wealth Tax in Switzerland: Who Pays and How to Reduce It
- Investing in Switzerland: ETFs, Brokers and Taxes for Beginners
- Early Retirement (FIRE) in Switzerland
- Building a Simple ETF Portfolio as a Swiss Investor
- Bonds for Swiss Investors: Yields, Risks and Tax
- Tax-Free Capital Gains: When Does Trading Become Professional?
- Stamp Duty on Securities: A Hidden Cost for Swiss Investors
- Investing for Beginners: Your First Five Steps
- Dollar-Cost Averaging or Lump Sum? How to Invest a Larger Amount
- Swiss Real Estate Funds and Property Shares: A Way to Invest Without Buying a Home
- Gold and the Swiss Franc as Safe Havens: What Role in Your Portfolio?
- Sustainable Investing in Switzerland: How to Choose ESG Funds
- Choosing a Broker in Switzerland: Fees, Safety and Features Compared
💳 Loans & Credit
Calculators
- Loan Payment Calculator
- Consumer Credit Interest Cap Check
- Car Leasing Calculator
- Credit Card Payoff Calculator
- Debt Snowball vs. Avalanche
- Effective Loan Rate (APR)
- Early Repayment Savings
- Overdraft Cost Calculator
- How Much Loan Can I Afford?
- Refinancing Break-Even
Articles
- Consumer Credit and Debt in Switzerland: Rules and Smart Payoff
- Debt Collection in Switzerland (Betreibung): Process and Your Rights
- Credit Cards and Overdrafts in Switzerland: Costs and Smarter Alternatives
- Car Loan, Leasing or Cash: Which Is the Cheapest Way to Pay?
- Personal Loans: How to Compare Offers and Avoid Hidden Costs
- Refinancing and Early Repayment: When Does It Pay Off?
- Avoiding the Debt Spiral: Warning Signs and First Aid
🛡️ Insurance & Health
Calculators
- Health Insurance Deductible Optimizer
- Franchise Break-Even Point
- Child Health Insurance Franchise
- Maximum Yearly Healthcare Cost
- Life Insurance Need
- Disability Income Gap
- Accident Insurance (UVG) Insured Salary
- Salary Continuation in Sickness
- Insurance Premium Comparison
- Health Premium Increase Impact
Articles
- Swiss Health Insurance: Choosing Your Franchise and Model
- Swiss Insurance Essentials: What You Need and What You Do Not
- Supplementary Health Insurance and Premium Subsidies
- Disability and Income Protection: How Switzerland Covers You
- Risk Life Insurance in Switzerland: How Much Cover Do You Need?
- How to Switch Your Health Insurer: Steps, Deadlines and Pitfalls
- Family Doctor, HMO and Telemedicine Models: Cheaper Insurance With Rules
- Accident Insurance (UVG) Explained: Who Is Covered and for What
- Liability and Household Insurance: What Cover Makes Sense
- Legal Protection and Travel Insurance: Are They Worth It?
- Long-Term Care in Switzerland: What It Costs and Who Pays
🧾 Budget & Everyday
Calculators
- 50/30/20 Budget Planner
- Emergency Fund Calculator
- Savings Rate & Years to Independence
- Moving Between Cantons
- Monthly Budget Planner
- Subscription Cost Calculator
- Total Cost of Owning a Car
- GA vs. Half-Fare Card
- Electricity Cost Estimator
- Overtime Pay Calculator
Articles
- Budgeting in Switzerland: Cost of Living and Smart Savings
- Your First Job in Switzerland: Money Basics for Young Adults
- Where to Keep Your Cash: Savings Accounts, Emergency Funds and Deposit Protection
- Car or No Car? The True Cost of Mobility in Switzerland
- Saving on Groceries and Everyday Costs in Switzerland
- Energy Costs at Home: Electricity, Heating and Subsidies
- Phone, Internet and Subscriptions: Cutting Recurring Costs
- Managing Money as a Couple: Accounts, Goals and Fair Sharing
- Teaching Children About Money: Pocket Money, Saving and First Accounts
- Saving for Big Purchases: Car, Wedding, Holiday or Renovation
🧰 Business & Freelance
Calculators
- Freelance Hourly Rate Calculator
- Profit Margin & Markup
- Break-Even Analysis
- Sole Proprietor vs. GmbH Tax
- VAT Return: Effective vs. Flat-Rate
- Invoice With VAT & Cash Discount
- Total Employer Cost per Employee
- Late Payment Interest
- Depreciation Calculator
- Startup Cash Runway
Articles
- Self-Employment in Switzerland: Social Insurance, Taxes and VAT
- GmbH or Sole Proprietorship? Choosing a Legal Form in Switzerland
- VAT for Small Businesses in Switzerland: Registration, Rates and Methods
- Hiring Your First Employee in Switzerland: Costs and Obligations
- Starting a Business in Switzerland: A Practical Checklist
- Freelancer Pricing and Invoicing in Switzerland
- Retirement Provision for the Self-Employed: AHV, 3a and Voluntary Pension Funds
- Bookkeeping Basics for Small Businesses
- Insurance for Small Businesses: What Protects Your Income and Assets
- Cash Flow Management: Staying Solvent When Clients Pay Late
💱 Currency & Economics
Calculators
- Currency Converter with Fees
- Inflation Calculator
- Salary Raise vs. Inflation
- Savings Account After Tax & Inflation
- Cross-Border Shopping Savings
- Salary Comparison Switzerland vs. Abroad
- Foreign Investment Return in CHF
- Present Value Calculator
- Bond Yield to Maturity
- Nominal to Effective Interest Rate
Articles
- Inflation and Your Money: Protecting Purchasing Power in Switzerland
- Currency Risk for Swiss Investors: Why the Strong Franc Matters
- The Swiss National Bank, the Franc and Interest Rates: What Savers and Borrowers Should Know
- Salaries and the Cost of Living in Switzerland: Is the Gap Worth It?
- Shopping Across the Border: Savings, VAT Refunds and Customs Rules
👨👩👧 Life Events & Family
Calculators
- Child & Education Allowances
- Maternity & Paternity Leave Pay
- Retirement Age & Date
- Child Education Savings Plan
- Wedding Budget Planner
- Inheritance & Gift Tax Estimate
- Charitable Donation Tax Deduction
- Moving & Rental Deposit Costs
- Small Daily Expenses Over Time
- Net Worth Calculator