FinanzPilot is a private finance cockpit for Switzerland: budget, the taxes of your municipality in all 26 cantons, buying a home, your pension fund and a realistic FIRE plan with AHV and pillar 3a. No bank login, no user account: your financial data stays on your iPhone.
WHAT STAYS, WHAT LEAVES
You read in statements from your e-banking and broker as files: no bank or broker login, no FinanzPilot server. The backup (if you allow it) and the sync (if you switch it on) run through your own private iCloud. «What stays, what leaves» in the app shows every connection and how to switch it off.
BUILT FOR SWITZERLAND
• Tax for all 26 cantons with your municipality's tariffs and Steuerfüsse (ESTV data), offline
• Set aside: how much to put aside each month for taxes and yearly bills
• Compare municipalities: taxes, what is left for you and your FIRE age somewhere else
• Buying a home: «What can I afford?» with affordability and purchase costs
• Pension fund: your pension certificate in plain words, and whether a buy-in pays off
• Pillar 3a: what still fits in this year, catch-up payments and the tax saving
• Tax at source check for B and L permits
• Health insurance 2027: every insurer and model with the FOPH premiums, deductible comparison and cancellation letter
• A money calendar with the Swiss deadlines
READ IN
• CSV from UBS, PostFinance, Raiffeisen and Swissquote, camt.053/054 and PDF; map any other bank once
• Categories that learn; the same file never counts twice
• «Rebuild last year»: a whole year at once
• Interactive Brokers statements, Saxo holdings reports
EVERYDAY AND NET WORTH
• Focus in everyday words or Expert with every figure
• Filter and sort as in a spreadsheet
• Card bills not counted twice, refunds lower your spending
• Budget with "left to spend" and roughly per day
• «Where did my money go?»: your month as a flow chart, down to the transaction
• Apple Pay "Note an expense" with Shortcuts, if your card supports it
• Month in review, "Daily budget" widget, savings goals, shared costs, receipts with text recognition
• Net worth with pension fund and 3a, liquid or locked
• FIRE plan with life phases, AHV, pension fund, pillar 3a and tax in retirement
• «If something happens to me»: your emergency list for the people you trust
• «Ask FinanzPilot» names the right function for your question; the question never leaves the device
FINANZPILOT PRO (optional)
Try it free for 30 days, no subscription: the trial ends by itself and nothing is charged (once per Apple ID). After that, CHF 19 a year (subscription, cancel any time) or CHF 59 once. Pro removes the ads and unlocks: Monte Carlo simulation, stress test, tax pack export, tax lists with the DA-1 helper, the tax at source comparison in detail, «Buy or rent?», «Buy in or invest privately?», up to six municipalities side by side, prepaying taxes, year in review, your year as a money flow, Home Screen widgets, Siri, Apple Watch and AI features («Ask your finances» on the device; Copilot with your own Anthropic key).
ADS
The free version shows a small, non-personalised banner at the bottom of the pages. Google asks for your consent first; only if you agree does iOS ask about tracking. Google never receives your financial data.
IMPORTANT
Estimates from your numbers for planning, not tax, legal or investment advice and not a recommendation; FinanzPilot never moves money. It estimates tax with the ESTV's tariffs and Steuerfüsse; not every deduction is covered, and FinanzPilot is not an offer of the ESTV. You use it at your own risk; for binding answers, talk to a professional. UBS, PostFinance, Raiffeisen, Swissquote, Interactive Brokers and Saxo are trademarks of their owners; FinanzPilot is not affiliated with them.
Terms of Use: https://komovi.ch/finanzpilot/en/terms
Licence agreement (Apple standard EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://komovi.ch/finanzpilot/privacy
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