# FinanzPilot Schweiz — Budget, pillar 3a & FIRE plan

> Budget, pillar 3a & FIRE plan (iPhone/iPad app by Nikola Markovic.)

- Source: https://appshunter.io/ios/app/finanzpilot-schweiz/id6793021817 (this page in markdown: same URL + `.md`)
- Developer: [Nikola Markovic](https://appshunter.io/developer/6793021819)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 15.0 · 28 MB
- Languages: American English, German (Germany)
- Released: 2026-11-07
- Data updated: 2026-11-13

## What is FinanzPilot Schweiz?

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

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| FinanzPilot Pro (lifetime) | $69.99 | one-time |


## Is FinanzPilot Schweiz safe?

Not enough ratings yet to assess FinanzPilot Schweiz.

## Is FinanzPilot Schweiz legit?

FinanzPilot Schweiz has limited verification signals. The AppsHunter Legitimacy Score for FinanzPilot Schweiz is 58 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 5 releases)

### 3.2.4 — 2026-11-12

Polish: more reliable, more accurate and easier to use.
• More reliable: shared statements are no longer lost, «Delete all data» also clears widgets and noted Apple Pay payments, and one faulty entry no longer stops widgets and the Watch.
• More accurate: partner repayments stay untouched by «Similar bookings», savings goals on foreign-currency accounts count in CHF, and the year review adds up.
• Easier to use: larger tap targets, room for large text, FIRE fields with thousands separators, and Neon can be picked directly when importing.

### 3.2.3 — 2026-11-10

New App Store screenshots and previews: the demo family Brunner now lives in Köniz BE.

### 3.2.2 — 2026-11-08

Health insurance 2027: compare next year's premiums before the deadline on 30 November. The comparison stays on your device.
• Health insurance 2027: the basic insurance of every insurer with the official FOPH premiums, by model (standard, family doctor, HMO, Telmed, pharmacy) and free.
• «Which deductible?»: what each deductible costs on your bills of the last two years, and from when a lower one pays off.
• Pre-filled from your app, with the cancellation letter to your insurer and the deadline: the cancellation must arrive by 30 November.
• Also: every tax estimate includes the personal tax, as the ESTV tax calculator does; the BVG minimum interest for 2027 (2.0 %); fixes for the Mac.

For married couples, the FIRE plan now counts two AHV pensions. Plus many improvements that keep your data and backups safe.
• FIRE plan for married couples: one AHV pension each from 65, split by the AHV rules and together at most 150 % of the maximum pension.
• Safer: the app makes a safety copy before every import, iCloud sync stays cleanly apart during an import or reset, and another device's backup is no longer silently overwritten.
• Also: you choose the language at the start; the ad never appears over a dialog any more; amounts like 60'000 are read correctly everywhere; more fixes.

### 3.2.0 — 2026-11-07

Filter as in a spreadsheet, card bills no longer counted twice, a money flow down to the transaction, and new tools for taxes, buying a home and retirement. As always, your financial data stays on your device.

• Filter and sort as in a spreadsheet, right in the column header: by category, account, text, date or amount, biggest spending first – and it stays that way when you come back.
• Categories in alphabetical order and almost 40 new ones: Hairdresser, Daycare & childcare, Bike, Streaming, Vet, Amortisation, Pension fund buy-in, Child & family allowances, Pension and more – in English in the English view.
• Card bills no longer counted twice: once the card is imported, paying its statement is a transfer («Credit card paid»); only the purchases count as spending.
• Credits instead of income: a return or a refund lowers spending in its category, your partner's payment for their share is a repayment; income is your pay and what you file as income yourself.
• FinanzPilot sorts your existing transactions this way once at the first start; what no longer counts as income is listed under «Check new transactions».
• An import that copes with changes to your bank's export, shows what it read, and recognises payments into pillar 3a and a brokerage account, pension fund buy-ins and amortisation as saving.
• «Where did my money go?»: your month as a flow chart; every row opens its categories and transactions, and «Saved» shows where the money went (the whole year with Pro).
• Budget compares only the categories you set a budget for; the rest shows under «Without a budget».
• «What stays, what leaves»: every connection the app makes on one page – to whom, what, when and how to switch it off. The iCloud backup now runs only with your yes.
• «All tools» sorts every function by life question, and «Ask FinanzPilot» finds the right one for your question without it leaving the device.
• Set aside: how much to put aside each month for taxes and yearly bills, and what is really free after that.
• Compare municipalities: taxes, what is left for you and your FIRE age somewhere else, with your household.
• Buying a home: «What can I afford?» with affordability and your canton's purchase costs, a reminder before a fixed-rate mortgage ends; with Pro, «Buy or rent?».
• Pension fund: your pension certificate explained and «Is a buy-in worth it?». FIRE keeps the pension fund and pillar 3a as locked pots until your FIRE age and draws the 3a staggered.
• Pillar 3a: work out a catch-up payment for gaps since 2025 and record it as one (the tax pack deducts it), split a deposit, check a 3a insurance.
• Tax at source check for B and L permits: must you file a tax return, and would it cost more or less?
• Investments: import Interactive Brokers statements and Saxo holdings reports, edit purchase lots, delete accounts completely; with Pro, the DA-1 helper in the tax pack.
• «If something happens to me»: a private list for the people you trust – what you have, where it is held, whom to call. The app fills in most of it.
• On every device: Control Center controls, Siri «How much can I spend today?», pages in iPhone search, a ring and new complications on the Watch (Pro), a menu bar, shortcuts and right-click on the Mac.
• Also: the savings rate by your definition, including what your employer invests from your pay, net worth «liquid or locked», calm motion and haptics, AHV and 3a for 2027.
• Fixed: percent fields in Settings store exactly what you type («4.25» could become 0.05 %), an empty balance field no longer sets an account to CHF 0. Check values you changed.
• More reliable: no missing or doubled transactions (two accounts, CSV and camt.053), your own rules survive the app's start, partner payments and card purchases count right, tax checked against the ESTV calculator in 864 cases.

### 3.1.0 — 2026-11-03

No release notes.

---

*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-11-13.*