Three pillars & investments, never in one place
Pillar 1 (AHV), Pillar 2, Pillar 3a, your investments, your home: each on its own statement, never added up. So you never see where you really stand.
Stop guessing.Start designing yourFinancial Life.
- Retirement
- Financial Independence (FIRE)
- Life Milestones
- Swiss Taxes
See where you stand today, and a clear view of your options for tomorrow. Professional-grade financial planning, now for everyone.
Limited free early access in ZH, BS, BL, AG, LU, SO, SZ, and ZG. Or join the waitlist for other cantons.
Sovereign Vault, on-deviceBuilt for Swiss tax law
Where it starts
Real Swiss questions. Everyone asks them.
Whatever your age or income, it comes down to the same handful of questions, and almost no one can answer them with confidence.
- Retirement
“When can I retire, and will the plan hold?”
- Independence . FIRE
“How early could I reach financial independence?”
- Milestones
“Which life goals can I actually afford, and when?”
- Tax
“How could different Swiss moves affect my tax?”
- Personal Finance
“Are there blind spots in my finances I can't see?”
- Household
“Does the plan work for our whole household?”
The answer is buried in Swiss complexity.
Every simulation stops at one pillar
Your pension portal can test a new retirement age, but only for Pillar 2. It cannot see your 3a, investments, home, taxes or partner. One piece in isolation, never the whole.
Foreign tools and spreadsheets do not fit
Global financial independence calculators assume American retirement accounts, not the AHV. A homemade Swiss spreadsheet means fragile cantonal-tax formulas to maintain: error prone and exhausting.
High costs and long waits
A real financial plan usually means premium fees and a wait for an external report. That prices out anyone who wants to control their own future on their own terms.
The solution
Your whole Swiss money life, in one clear plan.
SORVA brings every pillar, asset, tax and milestone into one place, then turns it into a living plan you can act on, modelled on the actual Swiss system and kept current for life.
Everything in one place
Pillar 1 / AHV
Old-age and survivors insurance
Pillar 2 / BVG
Workplace pension and vested benefits
Pillar 3a
Tax-favoured private pension
Investments
Equities, bonds, savings
Home
Mortgage, amortisation, valuation
Household
Partner, milestones, dependents
Modelled on Swiss law, canton by canton
Swiss law, fully encoded
Federal and cantonal tax, AHV, Pillar 2 and Pillar 3a rules.
Updated every year
Re-encoded and kept current as the rules change.
Live, canton by canton
ZHBSBLAGLUSOSZZG
A plan, not a balance sheet
When you can retire, which milestones fit, and how early independence is realistic.
Stress-tested in francs
Every projection checked year by year, in Swiss francs.
Build your plan, your way
Start in minutes on Swiss defaults, or open every lever. Either way the projection updates the moment you change a number.
Quick Plan
Ready in 5 to 10 minutes on sensible Swiss defaults. The fastest way to see your plan.
Custom Plan
Open every lever: savings rate, Pillar 2 buy-ins, Pillar 3a withdrawal timing, milestone order.
ConservativeBalancedGrowthCustom
Start from a preset, then make it yours. Each tested year by year, in Swiss francs.
One plan. Six views. One Swiss engine.
Every plan includes all six, powered by one Swiss financial planning, tax and pension engine. Change one number and every view updates together, so dashboards, simulations and reports always agree.
Overview
Your wealth, year by year.
Cash Flow
Where every franc goes.
Payout Strategy
Tax-smart withdrawals.
Resilience
Does the plan hold?
Insights
The next moves, in Swiss francs.
Compare
Strategies side by side.
Trust the numbers
Real Swiss math, not AI guesswork
SORVA is a deterministic Swiss engine, not a generative AI. It calculates your plan from the actual rules, so the numbers are worked out, not guessed.
It computes, it does not predict
SORVA runs a deterministic engine, so the same inputs always give the same result. A generative AI can invent numbers; SORVA calculates them.
Current Swiss law, not old training data
It uses today's official ESTV and federal figures for AHV, Pillar 2 and Pillar 3a, and cantonal tax, re-encoded as the rules change.
See how every number was reached
Each figure traces back to the rule and the inputs behind it, so you can follow the reasoning rather than take it on faith.
Sovereign Vault: you hold the only key. Not even we can open it.
Encrypted on your device. Stored only in encrypted form.
Your plan is encrypted on your device and stored only in encrypted form. In Sovereign mode, you hold the only key that can decrypt your stored vault.
The Double-Lock SystemChoose your security levelPersonal Recovery Kit
Choose your path
Find your fit
Same engine. Three doors. Pick the one that matches your day.
For Individuals
Design the life you want. SORVA does the Swiss math.
- Retirement readiness across three angles: standard age, earliest retirement age, and Financial Independence
- Tax-aware moves over your whole lifetime, ranked by Swiss franc impact
- Life milestones: home, sabbatical, part-time, second property, early retirement
Private Beta · 2026
Designing your financial future shouldn't feel like guesswork.
Free early access is live in ZH, BS, BL, AG, LU, SO, SZ, and ZG. Public release for all cantons follows in 2026.