SmartPensionApp

Master your Swiss pension strategy with precision math, instant document scanning, and an on-device AI coach. NEW IN VERSION 1.1: • ON-DEVICE SWISS PENSION AI COACH: Ask complex questions in plain language ("What happens if I buy in CHF 40k and retire at 62 in Zug?") and receive legally grounded answers citing BVG, FZG, and AHV statutory articles with 100% offline privacy. • SWISS DOCUMENT SCANNER: Snap a photo of your Vorsorgeausweis (Pension Certificate) or Lohnausweis (Salary Certificate) to auto-extract pension savings, insured salary, and buy-in potential directly into your plan via on-device Apple Vision OCR. ------------------------------ FREE - 2ND PILLAR BUY-IN CALCULATOR ------------------------------ * Annual buy-in scheduling with year-by-year CHF compounding * Progressive cantonal tax savings based on your exact income bracket * 3-year statutory lock-in period modelling (BVG Art. 79b) * Reduced lump-sum retirement withdrawal tax calculations * Gross vs. net capital accumulation comparisons * Interactive charts with animated cash-flow waterfalls * Summary KPIs: Total Benefit, Net Return, Tax Saved & more * One-tap executive PDF report export * Full support for English, German, French & Italian * All 26 Swiss cantons and municipalities ------------------------------ PILLAR PRO - ADVANCED SUITE ------------------------------ Unlock 6 integrated actuarial and wealth planning tools: AI "WHAT-IF" COACH & EXECUTIVE NARRATIVE Ask questions in natural language. The AI automatically syncs variables across all your calculator sliders and generates a personalized 3-paragraph executive financial summary. SWISS DOCUMENT SCANNER & OCR Instant on-device recognition for Swiss pension certificates and salary statements. No manual typing required. ACTUARIAL RETIREMENT FORECAST Multi-decade wealth projections across return scenarios. Evaluates combined AHV + 2nd Pillar + 3a annuities, BVG conversion rates (Umwandlungssatz), and income gap analysis. CANTONAL TAX ALPHA Effective and marginal tax rates for all 26 Swiss cantons and municipalities based on real Steuerfuss data. Includes relocation tax arbitrage comparisons. WEF MORTGAGE OPTIMISER Direct vs. indirect amortisation math. Evaluates tax savings from pledging 2nd Pillar or 3a capital against direct mortgage debt paydown. EARLY RETIREMENT (FRÜHPENSIONIERUNG / AHV21) Calculates the true cost of retiring between ages 58 and 64, factoring in early AHV reduction rates, BVG penalties, and necessary bridging capital. ETF OPPORTUNITY COST Compares tax-deductible pension buy-ins against global equity ETF index investments across multi-year holding horizons. PILLAR 3A OPTIMIZER Maximise Pillar 3a contributions under 2026 legal caps with staggered multi-account withdrawal tax minimization. ------------------------------ DESIGNED FOR SWITZERLAND ------------------------------ * Real municipal Steuerfuss data across all 26 cantons * 2026 statutory BVG & Pillar 3a caps built in * BVG Umwandlungssatz (conversion rate) and AHV21 reference age rules * Native Swiss number formatting (CHF 50'000) * Professional, client-ready PDF exports ------------------------------ 100% ON-DEVICE PRIVACY ------------------------------ All calculations, document scanning, and AI inference happen locally on your iPhone. No personal data, photos, or financial figures are ever collected, stored, or transmitted to any server. No account or registration required. For illustrative and educational purposes only. Not financial advice. Always consult a licensed Swiss fiduciary, tax advisor, or pension specialist before making binding pension decisions.