Tools
Free financial independence tools for Switzerland
Quick calculators for one question at a time. For the whole picture, use the full calculator.
Plan your independence
- FIRE numberHow much you need to live from your savings, with and without pensions.1 min
- Savings rate and years to FISee how your savings rate decides how many years you still work.1 min
- Coast FIREHave you saved enough to stop saving and let growth do the rest?1 min
- Withdrawal rateHow long your savings last at a given withdrawal rate, and after a bad start.1 min
- Spend-down plannerHow much you can spend each month to use your savings by a chosen age.2 min
Swiss pensions
- Pillar 3a calculatorTax saved each year, balance at withdrawal and the gain over taxed investing.2 min
- Pension fund buy-inTax saved by a voluntary buy-in and the return it really earns.1 min
- AHV gap and pension estimateEstimate your AHV pension and what each missing contribution year costs.1 min
- AHV for early retireesWhat you still pay into AHV after you stop working, until 65.1 min
- Lump sum or pensionCompare the pension-fund pension with taking the money as a lump sum.1 min
Home
Snapshot
Everyday money
- Compound interestWatch a starting amount and monthly savings grow, and what fund costs take.1 min
- Inflation and purchasing powerWhat an amount will buy in the future, and what today’s things will cost.1 min
- The real cost of a habitA daily coffee or a subscription, as money invested and months of freedom.1 min
- Life energy: hours per purchaseHow many hours of work something really costs you.1 min
- Emergency fundHow much cash to keep before you invest.1 min
Every tool runs in your browser, uses the same Swiss rules as the calculator and shows its formula below the result. Sources and verification dates are on the methodology page.