Anna38 . Zurich
Can I go part-time at 50 and still retire at 63?
SORVA maps the bridge years, the Pillar 3a withdrawal timing and the AHV reference age, then shows the exact year financial independence becomes realistic.
Retirement timing . FIRE
For Individuals and Households
Design the life you want. SORVA does the Swiss math.
Retire on your terms, fund the milestones that matter, and see how early financial independence is realistic, all modelled on real Swiss rules, year by year.
From your first salary onward. Year by year.
Sovereign Vault, on-deviceBuilt for Swiss tax law
Real Swiss lives
Your life, modelled before you live it.
The same questions you lie awake with, turned into a plan you can test, year by year.
Elena45 . Basel-Stadt
Can I buy a second property without breaking my plan?
SORVA stress-tests the mortgage and amortisation against her wealth trajectory and tax, so she sees in Swiss francs whether the purchase holds or pushes her goals out.
Milestones . scenario compare
Lea and Tobias41 and 43 . Aargau
If one of us stops working for three years, does the plan still hold?
SORVA runs the whole household: two careers, two timelines, joint Pillar 2 strategy and shared milestones, so they see the impact before they decide.
Household planning
Independence, done right for Switzerland
Most Financial Independence content speaks American. SORVA speaks Swiss.
Most online material on Financial Independence is built around 401(k)s, Roth IRAs, and the 4 percent rule. None of that fits Switzerland. SORVA models Financial Independence using the things that actually matter here: Pillar 2 vested benefits, the AHV bridge years, cantonal withdrawal tax, and 3a timing.
AHVBVGPillar 3aFZKBVV 3Article 79bCanton tax curveAHV bridge
8 cantons live today: ZH, BS, BL, AG, LU, SO, SZ, ZG. More rolling out through 2026.
How the options compare
Quick snapshot: how options stack up for retirement and milestone planning
Full picture
- Spreadsheets and separate apps
- Separate PDFs and apps
- Bank and broker apps
- Focused on their own products
- SORVA platformBest
- One Swiss lifetime plan, household context
Analysis
- Spreadsheets and separate apps
- Manual spreadsheet work
- Bank and broker apps
- Tied to their own product range
- SORVA platformBest
- Plan-aware Swiss scenarios, in Swiss francs
How you plan
- Spreadsheets and separate apps
- Multiple separate tools
- Bank and broker apps
- Standardised journeys
- SORVA platformBest
- Five paths, live trade-off analysis
Value
- Spreadsheets and separate apps
- Free tools, your time
- Bank and broker apps
- Product fees may apply
- SORVA platformBest
- Transparent, one plan
| Spreadsheets and separate apps | Bank and broker apps | SORVA platformBest | |
|---|---|---|---|
| Full picture | Separate PDFs and apps | Focused on their own products | One Swiss lifetime plan, household context |
| Analysis | Manual spreadsheet work | Tied to their own product range | Plan-aware Swiss scenarios, in Swiss francs |
| How you plan | Multiple separate tools | Standardised journeys | Five paths, live trade-off analysis |
| Value | Free tools, your time | Product fees may apply | Transparent, one plan |
Common questions
Good questions, straight answers
Aargau, Basel-Landschaft, Basel-Stadt, Zurich, Lucerne, Solothurn, Schwyz, and Zug are live in the private beta. More cantons are rolling out through 2026. Federal AHV and BVG math applies everywhere.
Your wealth picture stays encrypted, and is stored only in encrypted form. So does your partner's.
Private Beta · 2026
Stop guessing. Start projecting.
Free early access is live in ZH, BS, BL, AG, LU, SO, SZ, and ZG. Public release for all cantons follows in 2026.