Retirement
“When can I retire, and will the money last?”
See where you stand today, and a clear view of your options for tomorrow. Professional-grade financial planning, now for everyone.
Free during the public beta, no card required. Live in 12 cantons, with more rolling out through 2026.

Total Wealth Uplift
+CHF 487'000
Illustrative example
Funded Ratio
243%
On Track
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 money last?”
Pension or capital
“Pension or lump sum? See both, tax included.”
Tax
“How do I cut the tax on buy-ins and withdrawals?”
Independence . FIRE
“How early could I reach financial independence (FIRE)?”
Milestones
“Which life goals can I actually afford, and when?”
Household
“Does the plan work for our whole household?”
Those simple questions are genuinely hard to answer here, for four structural reasons.

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.
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.
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.
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.
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.

From complexity to clarity
One plan. Every pillar. Total visibility.
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

Federal and cantonal tax, AHV, Pillar 2 and Pillar 3a rules.
Live, accurate calculations for your specific canton.
Conservative, Balanced or Growth templates, or Custom with every lever open.
Every plan includes all six views. Change one number, every view updates.
SORVA is in public beta. These reviews come from people using it today.
“I wanted to know whether financial independence is realistic for me, and by when. SORVA combines everything I have, pension, 3a, investments and savings, into one plan, and works out the earliest age at which that would be realistic on my numbers. It showed me, year by year, the bridge years I would have to fund from outside the pillars, and how staggering the withdrawals compares on tax. That is what changed how I think about it. I could stress-test it against worse returns, compare strategies side by side, put my partner in the plan alongside me, and model goals like buying a house to see what that does to the rest.”
“As I approach retirement, I have been testing this tool to project my financial situation over many years. Entering the information was highly intuitive and took just a few minutes. The report that best serves my needs is the ‘Cash Flow’ graphical view that allows navigation through the years. Also, I much appreciated the flexibility to make changes and immediately see the financial outcome.”
Using SORVA? Tell us how it is working for you
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.

Swiss precision engineering: same inputs, same results, every time.
SORVA runs a deterministic engine, so the same inputs always give the same result. A generative AI can invent numbers; SORVA calculates them.
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.
Each figure traces back to the rule and the inputs behind it, so you can follow the reasoning rather than take it on faith.
We never connect to your bank. Nothing is imported from your accounts, so you decide exactly what we see.
To build your plan, your numbers go to our calculation service to run the Swiss tax and pension maths. It sends the results back and keeps nothing.
Your plan is encrypted before it is stored, so we hold it only as unreadable data. In Sovereign mode, only you hold the key that opens it.
Same engine. Three doors. Pick the one that matches your day.
For Individuals
See where you stand today, model different scenarios, and get a clear view of your retirement, FIRE goals, and life milestones.
For Advisors
Live what-ifs in the meeting. Swiss law updates baked in every year. Clients can view and update their own plan.
For Employers
Help your team understand their pension, plan for milestones, and make informed financial decisions.
Live in ZH, BS, BL, AG, LU, SO, SZ, ZG, BE, SG, TG, and GR. More cantons rolling out through 2026.