SmartPensionApp

Master your Swiss pension strategy with precision math. ------------------------------ FREE - 2ND PILLAR BUY-IN CALCULATOR ------------------------------ * Annual buy-in amount with year-by-year CHF compounding * Tax savings based on your marginal rate (10-50%) * Withdrawal tax modelling * Gross vs. net capital at retirement * Waterfall & annual bar charts with live animation * Summary KPIs: Total Benefit, Net Return, Tax Saved & more * One-tap PDF export of your full report * English, German & French interface * All 26 Swiss cantons ------------------------------ PILLAR PRO - ONE-TIME PURCHASE ------------------------------ Unlock 6 additional premium calculators: ACTUARIAL RETIREMENT FORECAST Multi-decade wealth projection across 3 return scenarios (conservative, base, optimistic). Shows AHV + 2nd Pillar + 3a income streams, BVG Umwandlungssatz modelling, and retirement income gap analysis. CANTONAL TAX LOOKUP Real effective and marginal tax rates for all 26 Swiss cantons and their municipalities. Includes a "What if I moved?" comparison and 2nd Pillar buy-in tax alpha per canton. WEF MORTGAGE OPTIMISER Direct vs. indirect amortisation math. Models the tax alpha of keeping your mortgage and investing the difference in Pillar 3a vs. paying it down. ETF OPPORTUNITY COST Compares 2nd pillar buy-ins against an equivalent index fund investment. Shows net-of-tax breakeven horizon and terminal wealth across scenarios. PILLAR 3A OPTIMIZER Maximise your annual Pillar 3a contributions. Models compounding growth with the 2026 legal contribution limits and optimal withdrawal sequencing. EARLY RETIREMENT (FRUHPENSIONIERUNG) Models the financial impact of retiring 1-5 years early. Covers reduced BVG pension, AHV gap years, and capital needed to bridge. ------------------------------ DESIGNED FOR SWITZERLAND ------------------------------ * Real Steuerfuss data for municipalities across all 26 cantons * 2026 BVG & Pillar 3a legal limits built in * BVG Umwandlungssatz (conversion rate) modelling * CHF-native number formatting throughout * PDF reports include all inputs and results ------------------------------ PRIVACY ------------------------------ All calculations happen on-device. No personal data or financial inputs are ever collected, stored, or transmitted. No account required. For illustrative and educational purposes only. Not financial advice. Always consult a qualified Swiss financial advisor or pension specialist before making pension decisions.