Anna
38 . 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 timingFIRE
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.
Sovereign Vault option: you hold the only keyBased on Swiss pension and tax law
Funded Ratio
243%
On Track · Illustrative
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.
Elena
45 . 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.
Milestonesscenario compare
Lea and Tobias
41 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
Life milestones
Which goals can you actually afford, and when?
Buy a home
Sabbatical
Go part-time
Second property
Early retirement
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.
AHV
BVG
Pillar 3a
FZK
BVV 3
Article 79b
Canton tax curve
AHV bridge
12 cantons live today: ZH, BS, BL, AG, LU, SO, SZ, ZG, BE, SG, TG, GR. More rolling out through 2026.
From our beta users
What early users are telling us
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
How the options compare
Quick snapshot: how options stack up for retirement and milestone planning
Spreadsheets and separate apps
Bank and broker apps
SORVA platform
BestHow the options compare
Full picture
Spreadsheets and separate apps
Separate PDFs and apps
Bank and broker apps
Focused on their own products
SORVA platform
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 platform
Plan-aware Swiss scenarios, in Swiss francs
How you plan
Spreadsheets and separate apps
Multiple separate tools
Bank and broker apps
Standardised journeys
SORVA platform
Five paths, live trade-off analysis
Value
Spreadsheets and separate apps
Free tools, your time
Bank and broker apps
Product fees may apply
SORVA platform
Transparent, one plan
Common questions
Good questions, straight answers
Aargau, Basel-Landschaft, Basel-Stadt, Lucerne, Schwyz, Solothurn, Zug, Zurich, Bern, St. Gallen, Thurgau, and Grisons are live in the public beta. More cantons are rolling out through 2026. Federal AHV and BVG math applies everywhere.
Your money stays yours to share.
See how the Sovereign Vault works
Public Beta · 2026
Stop guessing. Start projecting.
Live in ZH, BS, BL, AG, LU, SO, SZ, ZG, BE, SG, TG, and GR. More cantons rolling out through 2026.