Welcome to the Public Beta

Every income and expense in your Profile can now have a start and an end: a year, or a moment such as "When you stop working (retirement or FI)" or "When your child turns 12". For example:

• Income. Your salary stops when you stop working. A part-time job can start in a year you choose and, like every salary, stops when you stop working.
• Expenses. Basic Living can drop when you stop working, and travel can start then. Childcare can end when your child turns 12, education at 18 or 25.
• Your retirement spending. If your plans had their own retirement spending figure, the figure from the one you ran last moves into your Profile when it next runs, and every plan uses it. If a figure can't be moved, SORVA drops it and tells you.

Where: Profile › Income › Add Income, or Profile › Expenses › Add Expense, then set From year and Until.

In the plan builder, the Income & Expenses step shows your income and expenses today, next to what you plan to spend once you stop working. You enter them once in your Profile, and every plan uses them.

Not right? Click Correct your profile to change them without leaving your plan.

• Five new cantons. Fribourg, Geneva, Ticino, Valais and Vaud join. SORVA now works out tax for 17 cantons, where more than 90% of people in Switzerland live.
• Down to your commune. Your tax uses your own commune's tax rate, your canton's tariffs and the main deductions for your situation. SORVA has the rate for every one of the 1,944 communes in the 17 cantons, and it now loads faster.
• Thinking of moving? Change Municipality under Profile › About you and run your plan again to see your tax there. Your Profile is shared by all your plans, so change it back afterwards.
• More deductions. Childcare, deductions for pensioners in Basel-Stadt, Solothurn, Zug and Ticino, the deductions your canton allows for your household (social deductions), and reliefs in Schwyz, Bern and Lucerne.
• Checked against the ESTV calculator. We checked our 2026 calculations of income tax, wealth tax and tax on pension lump sums against the Federal Tax Administration's own tax calculator (ESTV), with sample households in each of the 17 cantons.

• Add it. Profile › Assets › Add Asset › Crypto, at its market value.
• Its return. In the plan builder, Wealth Accumulation › Return & inflation assumptions › Crypto: enter the return you expect.
• A place for your savings. In a Custom plan, choose Crypto under Wealth Accumulation › Your savings plan.
• Crypto has its own colour in the charts and its own line in Year Summary.

• Two tabs or two devices. If you save in a second tab or on another device, SORVA asks you to reload instead of replacing what you saved in the first, and asks before you leave unsaved changes.
• Entries that don't fit a plan. If an entry runs past a plan's stop age, for example a salary, the plan builder now tells you what that plan does with it.

This release makes several calculations more accurate, so some figures in your plan are now different, some higher and some lower. To see them, open your plan and click Sync plan. If you don't see that button, choose Edit plan, check your entries, then choose Update Plan.

• Auto calculated finds more answers. In the plan builder's Stopping work step, choose At my financial independence age, then Auto calculated, and SORVA works out the earliest age you could stop. Stopping later is not always safer: a salary may end, or an expense may begin, at a set point. Auto calculated now checks every age from the youngest up, so a plan that works if you stop at 60 to 63, but not at 70, now gets its answer.
• Single parents. When a single parent takes pension money as a lump sum, your plan now applies the lower tax rate for families, at federal level and in Zurich, Basel-Stadt, Basel-Landschaft and Aargau.
• Pillar 3a pledged to your mortgage. When it is released, your plan now pays it to your lender and shows the tax on it under Pillar 3a.
• Couples with one partner at home. A partner without paid work now counts as already stopped, so "When you've both stopped working" is the year the working partner stops.

• Swiss mortgage. Enter the yearly repayment from your contract, and one sentence under it says what the plan does with that figure. Leave it empty if you do not know it, and the plan says what it assumes instead.
• A home abroad. A loan on a property outside Switzerland has its own card, with explanations behind info buttons. It asks how the loan is repaid (one payment covering interest and repayment, a fixed amount off plus interest, or interest only), then the payment or the years left, and today's rate.

• Your plan now shows the figures you entered as its starting point, with the date they are from.
• The wealth chart opens with those figures in their own column, labelled with the date, and each year after it steps forward from there. The year panel starts there too.
• Your printed plan shows the date its figures were taken.

• A salary now opens on "Per month": your gross monthly salary, and whether it is paid 12, 13 or 14 times a year. SORVA shows the yearly total, for example CHF 7'000 × 13 = CHF 91'000.
• A line under the salary says what counts: before deductions, as actually paid, without bonus and without child allowances. A worked example sits behind the info icon.
• The bonus says what it is: not guaranteed, a normal year, never the 13th month.
• Hourly or irregular pay still goes in "Per year". A salary you saved before shows its monthly figure worked out from the yearly one, and the saved salary does not change unless you edit it.

• The Pillar 2 questions ask for your balance and the pension fund deduction on your monthly payslip first (BVG contribution); the details from your certificate are one tap away, and explanations open with one tap on a phone too.
• You can say whether you took money out of your pension fund for your own home (early withdrawal for home ownership). If some of it is not yet paid back, the plan schedules no extra voluntary payments into the fund (buy-ins), because the law allows them only once it is paid back in full.
• A new pension fund entry opens with the name of the job you already described, and your certificate breakdown is still there after a reload.

Give yourself and your partner the names you use. They replace "You" and "Partner" on your dashboard, in the plan builder, in your profile, on the payout screen and in Compare.

• Property prices. You can now set how fast property prices grow, and the plan uses your rate.
• Profile questions. Some questions now use everyday words, for example about years missing from your AHV record, a child still in education, and the rent you receive.
• Sabbatical and part-time. Pick the year from a list that shows how old you will be.
• Pillar 3a. "Have you already paid in this year?" is asked only when the answer changes the result.
• Expenses. The list shows whose cost each one is.
• Planning horizon. The plan says which ages it allows, and tells you when it changes a number you type. Reopening a plan to edit it no longer resets your horizon to 90.
• Sharing. Each release note has its own link.

These changes make many calculations more accurate, so some figures in your plan are now different, some higher and some lower. To see them, open your plan and click Sync plan. If you don't see that button, choose Edit plan, check your entries, including your planning horizon, then choose Update Plan.

• Income in retirement. Rent and other income you receive after you stop working now reach your money.
• Something you own together. Income from it now counts in full, half for each of you.
• Tax for couples. Income from something only one of you owns is now worked out from that person's own assets.
• Savings for couples. A couple's savings are counted once, whether entered for one of you or held together.
• A home one partner owns alone. Its upkeep is counted once.
• Buying a property. For a couple, the affordability check now reads both incomes.
• Investments entered as a total. They now grow at the plan's rate.
• Pillar 3a pledged to a mortgage. It now counts only what it will certainly hold when the repayment is due (indirect amortisation), so less of the loan may be covered.
• Shared milestones. A couple's shared milestones in the working years are now paid from the money the partner actually has.
• Early state pension. If you draw your AHV pension before the normal age, it is now lower until you reach that age, because the years between your claim and the normal age only count from then on.
• Pension fund balance. If you entered your balance as one figure, without the breakdown from your certificate, the plan now estimates how much of it gets the legal minimum rates (the mandatory part), instead of giving all of it those rates. Figures you type from your certificate are used as typed. A pension from your fund can come out lower as a result.
• Mortgages. An extra repayment you plan is now paid for in every year it runs. A home abroad no longer follows the Swiss repayment rule; until you fill in its loan card, the plan repays nothing on it.
• Milestones. A milestone is priced in the francs of the year it happens, so one years away costs more than before, and a plan may show it as less well covered.
• Inflation. Plans now open with inflation included, so later years look larger; only the way they are shown changed. You can switch to today's francs, without inflation, at the top of your plan.
• Plans that run short. The share of past market histories in which your money lasts no longer counts a year the plan cannot pay as a good one.
• Compare. The vested benefits row shows the balance on the day you retire.

We redesigned SORVA end to end: a calmer, cleaner layout, clearer type, and a consistent look from the sign-in screen through every plan tab, your profile, your settings, and the emails we send you. Everything is easier to read at a glance, and your plan takes centre stage.

A plan that only works in an average decade is not really a plan. SORVA now puts yours through the kind of stress test professionals use, and shows the result in plain language.

• Nearly a century of real Swiss-franc history. SORVA replays your plan through every start year since 1928, in Swiss francs, with your pension income eroded by Swiss inflation rather than foreign prices. You can see how your plan would have held up if you had retired into a downturn like 1929, 1966, 1973, 2000 or 2008.
• A thousand possible futures. SORVA reshuffles real market history into 1,000 what-if futures and shows you the share in which your money lasts, plus a chart of where your wealth could land across the years.
• Flip on a shock and watch your own curve bend. Switch on a market crash and a jump in the cost of living, together if you like, and see the effect on your plan straight away.
• Conservative by design. When two views disagree, SORVA shows you the tougher one, and it does not round a survival result up to look better than it is.

These are illustrations of how your plan might behave, not a promise of any outcome.

SORVA already showed you your financial independence age. Now it shows three, and lets you choose between them.

• Earliest, safer, robust. Each age carries the share of real market history in which the money lasted, so you can see what every extra year of work actually buys you.
• Pick one and the plan follows. Click an age and it becomes the age your plan uses, recalculated from end to end.
• Worked out from your own numbers. SORVA replays your whole plan year by year, with AHV, your pension fund, Pillar 3a, taxes and spending, rather than applying a rule of thumb.

The later you stop, the more of market history your plan survives. These are modelled outcomes, not a promise.

SORVA already planned married couples and registered partnerships as one household. Now it does the same for couples who live together without being married.

• Both partners, planned together. Your partner gets a full lane of their own, their own career, savings and pensions, and each of you can retire at a different age.
• See each person, and the whole household. Switch between your view, your partner's view, and the combined picture, with each pension shown for each person.
• Planned the way Switzerland treats you. Married or in a registered partnership, you are planned as a jointly assessed household, and SORVA splits your AHV income across your years of marriage, the way the AHV does. Living together without being married, each of you is planned as an individual, because that is how you are taxed and how your AHV is credited. Couple tax figures are projections from today's rules, not tax advice.
• One shared plan. Run scenarios where one of you goes part-time or stops earlier, and see whether the household still holds, including the years one of you may need to bridge before a pension starts.

Many people in Switzerland hold more than one job at once, and that changes how their pension builds up. SORVA now plans it properly.

• Add more than one job. Enter up to three concurrent jobs per person, each with its own salary, bonus, workload and pension fund, and SORVA plans them together.
• Each job's Pillar 2, worked out on its own. SORVA applies the occupational-pension entry threshold and coordination deduction to each employer separately, the way Swiss law does, so two jobs build up pension realistically instead of one over-optimistic number.
• Several pension pots, drawn on their own timing. At retirement, SORVA can stagger the payout of your separate pension-fund and vested-benefits accounts across years, which can help keep the tax down.
• AHV across all your jobs. Your AHV is worked out across your combined earnings.

A new Compare tab lets you line up your plan against alternatives, a safer strategy, a more growth-focused one, or the status quo, up to five at once, with one chart overlaying every path and a table of the numbers that actually differ. Add an option whenever you want to weigh a decision.

• Overview leads with your income gap in plain words, lets you highlight more than one type of saving on the wealth chart at once, and shows a resilience score you can open for the full picture.
• Cash Flow walks your money year by year, with your milestones and the moments each pension starts, laid out as a journey.
• Insights groups household suggestions where they belong, and adds a simple To do / By phase toggle.

Signing up now takes you straight into your plan. We greet you once, then ask the one thing you most want to know, "Can I retire at 65?" or "What is my financial independence age?", and go from there. Step away and come back, and you pick up exactly where you left off.

Curious before you commit? You can now explore SORVA instantly, with no account and no card. Open a ready-made example plan and click through the real dashboards, Overview, Cash Flow, Payout Strategy, Resilience, Insights, and Compare, to see how it works on a full Swiss financial picture. The example is a fixed, view-only sample: it uses sample figures, not your own data. When you are ready, sign up and build your own plan.

We have added Bern, St. Gallen, Thurgau and Graubünden, bringing full canton-aware planning to 12 cantons: Zurich, Bern, Lucerne, Solothurn, Schwyz, Zug, Basel-Stadt, Basel-Landschaft, Aargau, St. Gallen, Thurgau and Graubünden.

For each, SORVA estimates your income, wealth and capital-withdrawal taxes using that canton's own rules, so your plan reflects where you actually live rather than a national average. More cantons are on the way, and the waiting list is how we prioritise which comes next.

Advisors can now use SORVA too. Manage all of your clients in one place, and build each of them a full, year-by-year lifetime plan you can work through together. Whether you work as a financial advisor, financial planner, or pension-planning specialist, independent or part of a firm, you can create a free advisor account and work from a dedicated dashboard:

• Add and manage your clients
• Build and update a full lifetime plan for each one
• Share a plan securely for your client to open and follow
• Export a polished PDF
• Keep dated notes
• Schedule client meetings

It is free to get started.

We have added a free library of plain-language guides on how Swiss money really works. Sixteen guides, each available in English, German, French and Italian, covering the three-pillar system, Pillar 3a, taking your pension as a lump sum or as income, staggering your capital withdrawals, and more. Read them any time to understand the "why" behind every number you see.

The Resilience tab used to show a row that stayed reassuringly the same for almost everyone. We replaced it with an honest longevity indicator that shows how much headroom your plan has in your later years, so a comfortable plan and a stretched one no longer look identical. It is a small change that makes the tab tell the truth at a glance.

If you set an expected return for your occupational pension (Pillar 2 / BVG), SORVA now applies it to your projection, so a more cautious or more optimistic assumption actually changes what you see. The part of your pension savings above the legal minimum (the extra-mandatory portion) is also now credited at its own return rather than being held to the mandatory minimum.

Getting going is simpler. Signing up now takes you straight into building your plan instead of a pricing page, and your canton carries over from sign-up so you never enter it twice. Goal markers on the first step also got a cleaner, more professional look.

A new "My requests" area lets you see every message you have sent us, reopen a past request, and continue the conversation in one place. We also added a Feedback category and a larger message box, because in an open beta your feedback is what shapes the next release.

A new Security page explains, in plain language, how your data is encrypted and where it is stored. Across the public site, one clear and consistent story now describes what SORVA does and how it protects your data, with a tidier footer and an optional newsletter sign-up.

SORVA's engine keeps getting sharper. This release groups its corrections by who they affect. These are projections based on your inputs, not financial advice.

Changes that affect most plans

Years without employment: If your plan includes years without paid work, such as a career break or an early retirement, your AHV contributions in those years now count toward your contribution record and help avoid a gap that would otherwise reduce your pension, and the reduction for drawing your AHV early now applies as the law intends.

No invented numbers: Where an input is left empty, SORVA now treats it as empty rather than quietly filling it with an assumed figure. Projections no longer include growth or income that you did not enter.

Changes for couples

Both partners retired early: For couples where both partners have stepped back from paid work, each partner's AHV contribution is now charged correctly, and a household-level double count has been removed.

Changes for specific cantons

Capital-withdrawal tax: The estimate now matches the official rate schedules more closely in Zurich and Aargau, and the rate tables for Bern and Graubünden were extended against the current official cantonal rate schedules.

Step 1 used to offer three options side by side, but they were never really three: picking an age yourself answers a different question from letting SORVA work one out. You now choose between Pick an age and Financial independence age. Choose the second and you say how it should be worked out: Auto calculated replays your whole plan year by year and finds the earliest age it still holds up, or My own rule uses a multiple of your annual spending that you set yourself. Every option now carries a plain-language explanation.

And when you keep the calculated age as a comparison rather than as your stop-work age, it now appears right beside your retirement age on the dashboard, whichever method you chose. Previously that happened for only one of the two.

The Insights tab shows you personalised insights based on your plan, for example, what the projected effect might be if you increased your Pillar 3a contributions, adjusted your investment allocation, or coordinated pension payout timing. These are projections based on your inputs, not financial advice.

Each opportunity in Potential Opportunities now shows you two numbers: how much of the projected benefit may come from your money growing over time, and how much may come from reducing the tax you pay along the way.

Investment growth depends on markets and is never guaranteed; tax savings follow defined rules and do not. Seeing that split in one place changes how you weigh an opportunity, not just whether to act, but which type of benefit you are actually relying on.

Most retirement tools show you a number at the end: what you might have when you stop working. SORVA now also shows you what you are actively building right now, in a new Savings breakdown on your plan dashboard.

It splits your monthly household savings into what is going into your private pension account (Pillar 3a in Switzerland's three-pillar retirement system), your investment and cash accounts, and your mortgage repayments. That last one is easy to overlook: every franc you pay down on a mortgage builds equity in your property. SORVA now models it that way, alongside your other savings. The total on your dashboard and the detail behind it always tell the same story.

Switzerland's pension system moves your money between different layers at key moments: your state pension (AHV/AVS), your occupational pension through employers (Pillar 2), and your private retirement savings (Pillar 3a).

SORVA's Cash Flow tab now shows those transfers as visible, named events. When your occupational pension moves to a vested-benefits account (Freizügigkeitskonto) between jobs or before retirement, you will see that transfer. When you draw down your private pension savings and pay the one-time withdrawal tax on it, that appears as its own line, the same way occupational pension payouts already did. Nothing is buried inside a total anymore.

Any property you add to your plan can now carry a name you choose. That name stays with it through your Cash Flow view, your wealth chart, and your plan summaries, so you always know which property is which.

Previously your pension payout details were only visible at the household level. In the Payout Strategy tab, you can now switch between your view and your partner's view to see how each person's pension is projected to be paid out, and set investment return assumptions independently for each person.

Your plan's first-year spending is now broken down by category on your dashboard, not just shown as a single total. You can see what each category contributes, and how that compares to what you spend today. If the difference is meaningful, it is called out directly.

If you are planning for Financial Independence, Retire Early (FIRE), meaning you want to reach financial independence before the standard retirement age, SORVA's Goals step now lets you express your target as a plain sentence, reading back what you want rather than presenting a grid of fields. The numbers are still yours to adjust; they just sit in a format that is easier to read and reason about.

What is counted in your Total Net Wealth

The Total Net Wealth tile on your Overview now has a tooltip that explains exactly which assets and liabilities are included in that number, and, if you are planning for financial independence, whether the figure is measured before or after your target.

The assumptions behind your projection

Return and inflation rates, the numbers that drive everything else, are now shown directly in your plan setup and on your dashboard. A tooltip on your occupational pension (Pillar 2) projection shows which assumptions apply.

Explanations next to every input

SORVA now surfaces short explanations directly next to inputs in Wealth Accumulation and in the Pension Withdrawal step. No jargon, no separate help article: the context is where you are when you need it.

Changes affecting most plans

Families with children: The number of children you enter in your profile was not reaching the tax calculation correctly. This affected child tax relief across all supported cantons, and is now fixed.

Child relief age bands: The age ranges for child tax relief now match the official bands set by Swiss tax law, both for federal direct tax and in each supported canton.

Your living expenses: If you had entered a custom annual expense amount, a bug in the Basic Living field could overwrite it. This is now resolved.

Private investment yield: If you hold private investments with a specified annual yield rate, that yield was being included in your taxable income twice in some configurations. This is now corrected.

Church tax: Church tax in Switzerland is determined by local church communities (Kirchgemeinden), whose rates can vary below the cantonal level. This is now corrected across all supported cantons.

Debt interest: Interest on your liabilities, including mortgages and loans, is now counted as a real cost in your Net Savings figure.

Income sources: Your income summary is now filtered to sources that apply to your specific situation.

Changes for couples

Pillar 3a and investment returns: The Savings tab now correctly sums both partners' Pillar 3a contributions. Joint investment portfolios are now correctly split across each person's projection.

Shared home sale: If you and your partner plan to sell a jointly owned property as part of a relocation in your plan, both partners' shares of the sale proceeds are now correctly credited.

Health insurance: The assumed health insurance (KVG) premium is now calculated for both spouses, not just one.

AHV for married couples: The income-splitting calculation (Einkommensteilung), which combines and divides equally the income earned by both spouses during their years of marriage, now correctly responds to your year of marriage.

Changes for specific cantons

Owner-occupied homes: A primary residence was incorrectly generating additional taxable rental income. That duplicate amount has been removed. The notional rental value (Eigenmietwert) that Swiss tax law requires for owner-occupied homes continues to be correctly included in your projection.

Canton Zug (ZG): Capital-withdrawal tax in the lower income bands now matches the official rate schedule.

Canton Schwyz (SZ): The cantonal retirement deduction (Alters-/Rentnerabzug) and the health insurance premium deduction are now correctly applied.

Cantons AG, LU, SO, SZ, ZG: Cantonal social deductions now reflect the correct statutory values.

Security is not a feature we ship once; it is a practice we run continuously. This release includes the results of a full infrastructure security review: we updated the software the app is built on, tightened our server security configuration, and strengthened several backend layers. The infrastructure protecting your data is subject to the same ongoing review and hardening across all vault modes.

SORVA now models Lucerne, Solothurn, Schwyz and Zug in full cantonal and communal detail, joining Zurich, Basel-Stadt, Basel-Landschaft and Aargau for eight cantons in total. For each, we model the details that actually move your projection: cantonal and communal income and wealth tax, wealth-tax allowances, the personal tax (Personalsteuer) where a canton levies one, and church tax calculated for your specific commune. If you live in one of these cantons, you can now build a plan calibrated to where you actually live.

Lump sum or monthly pension is one of the biggest retirement choices, so we rebuilt this view to be easier to read. You now see the key number up front and can open each pillar (AHV, Pillar 2, Pillar 3a) to see when each payout happens and its estimated tax under today's rules. If you used part of your Pillar 2 for your home, that advance is now shown too.

Your net-worth overview is now more interactive. Click any year on the wealth chart to see that year's full summary, and the equity and bonds split now stays visible on every year that holds securities. It is easier to explore how your wealth develops, year by year.

Your personalised insights read more clearly, and the pension-versus-lump-sum explanation is easier to follow. We also refined the modelling so a partner with no earned income is no longer shown a Pillar 3a, in line with the Swiss rule that Pillar 3a requires earned income. And when you compare strategies side by side, each one is now priced more precisely.

First-time setup is gentler: SORVA now guides you to finish your profile before showing your plan, and marks required fields more clearly.

You should know who is building the tool you trust with your financial life. We have added an About page with our company and founder details, so SORVA is no longer anonymous. We have also started sharing our journey publicly, come follow along and say hello: LinkedIn, X, YouTube, Facebook, and Instagram. You will find these in the site footer too.

There is now a "What's New" page and a small note in the application when we ship something. If you would like occasional Swiss financial-planning, pension and tax insights by email, you can opt in from Settings (double opt-in, and you can leave any time). Nothing is turned on without your say-so.

We did a thorough language pass across the whole application so the German, French and Italian read naturally, with correct Swiss financial terminology.

We are opening SORVA to a limited group of early users, by invitation, in small cohorts.

• Invitation only, and free. No card, no charge. In return, we ask for your honest feedback.
• Genuinely useful today. The planning engine, the vault, and the dashboards are all live.
• Still being polished. You may hit rough edges, and screens will keep improving.
• It calculates, it does not guess. SORVA runs a deterministic Swiss engine on your own numbers and today's rules. What you see are projections to help you explore your options, not financial or tax advice, and not a promise of any particular outcome.

How to get in: Request access on sorva.ch. It takes a minute. We review requests against the places in the current cohort, and if you are approved you receive a personal invitation code to sign up. If not this round, you stay on the list for the next.

SORVA is built around the real money questions people in Switzerland ask:

• When can I retire, and will the plan hold? See three angles side by side: the standard reference age, the earliest realistic age your plan still supports, and your Financial Independence (FIRE) age, each tested year by year.
• What if I retire at a different age? Pick any age, earlier, later, or phased, and see what changes.
• Lump sum or monthly pension? Compare taking your pension fund as capital, as a pension, or a mix, with the estimated tax impact alongside.
• Which life goals can I afford, and when? A home, a sabbatical, part-time years: see which fit and which strain the plan.
• Does it work for our whole household? Two careers, two timelines, shared goals. SORVA models the household, not just one person.

Under the hood, SORVA models the Swiss system itself: all three pillars together (AHV, Pillar 2 / BVG, and Pillar 3a), the timing moves that matter (Pillar 2 buy-ins, when to draw each Pillar 3a, bridging the years before AHV if you retire early), and canton-aware taxes for the cantons it supports today (Zurich, Basel-Stadt, Basel-Landschaft, Aargau, Lucerne, Solothurn, Schwyz and Zug). It is updated each year as Swiss rules change, and available in English, German, French, and Italian.

To begin, a guided wizard turns your situation into a plan, quick in minutes or custom for more depth, then opens into a dashboard: net worth, cash flow, payout strategy, a resilience stress test, plain-language insights, and side-by-side scenario compare.

SORVA is a secure web platform, not a mobile app. With detailed charts and information to enter, it works best on a laptop or tablet.

SORVA gets better because early users push on it. If you can spare a little time over the next few weeks, two things help us most:

• Try it with your own situation, then sanity-check the math. Compare SORVA against a recent payslip or tax bill: do the AHV deductions, the income-tax estimate, and the projections look right? If something looks off, tell us. That is exactly what we want to find. (Everything you enter is encrypted and private, so it stays yours.)
• Share your first impressions. Where did you hesitate? Which views were most useful, and were any confusing? Did anything break? Once you are in, use Contact us in the app so we can track it and reply.

Your financial life is deeply personal, and we treat it that way.

• Your data is encrypted and stored in Switzerland, under Swiss data protection law (the revised FADP).
• You choose your privacy level: the Standard vault, which you can recover if you forget your password, or the Sovereign vault, locked with a key only you hold, where not even we can open it. In Sovereign mode, if you lose your recovery key, no one can restore your data.
• We never sell your data, and never share it with advertisers or data brokers. See our full commitments.

SORVA is free during the Private Beta. We have not yet decided how it will be priced later, whether a subscription, a one-time fee, or something else, and we will announce it well before it applies. What we will never do is take commissions or sell your data.

SORVA is built and operated by Shreevya GmbH, an independent, founder-led Swiss company. It is bootstrapped, not venture-funded, and no bank, broker, or product provider has a stake in us or influence over us. We answer only to the people who use SORVA.

Shreevya GmbH · Commercial Register (Handelsregister) CHE-429.715.642 · Registered in the Canton of Aargau, Switzerland · contact@sorva.ch

Request access, and once approved, sign up with your invitation code, choose your vault, tell SORVA about your situation, and explore your plan. Come back whenever life changes.