I've been building a Swiss retirement/FIRE planning platform and looking for feedback
Hi all.
In Switzerland your money ends up split across the three pillars, cantonal taxes, property and big life decisions, with no single place that ties it into one plan. I've been building a tool to fix that, and I'd love you to try and provide your genuine feedback.
It's at sorva.ch, and I'm posting for honest feedback, not to sell anything. Most Swiss tools I tried only look at one piece, skip the tax side, or fall apart the moment you change something, so I wanted one that does the whole picture properly.
The idea: you put your situation in once (the three pillars, income, home, household), and it builds a year by year plan of your whole financial life, modelled on the actual Swiss rules, canton by canton (federal and cantonal tax, AHV, Pillar 2, Pillar 3a). I built it to answer the things I could never work out cleanly in a spreadsheet:
- When can I realistically retire, and does the plan actually hold?
- How early is financial independence realistic?
- Which life goals can I afford, and when?
- How do different Swiss moves change my tax over a lifetime?
You can start from a ready-made plan or build your own and set every lever yourself. It also models the drawdown side (how you'd take money out across the pillars in retirement) and stress tests whether the plan survives a bad market or a long life.
What I'd genuinely love: try to break it. Do the tax numbers look right for your canton? Does the retirement or FIRE result feel realistic for your situation? What's confusing, or missing?
A few honest notes: the deep cantonal tax is ZH, BS, BL and AG for now (adding more), and it's in DE, FR, IT and EN.
On privacy, since it matters the most: no ads, I don't sell your data, and everything is encrypted on your device (in Sovereign mode you hold the only key, I can't read it). And to be clear, it shows you the strategies and the reasoning, it doesn't tell you which product to buy, it's an educational planning tool, not advice.
Link: sorva.ch. If a mod feels this isn't welcome here, just say and I'll take it down. Otherwise I'll be in the comments. Thanks a lot. Looking forward to your feedback!
Best Regards,
Chandni