A clearer way forward
From your financial picture to your next move.
Understand your position
Bring your finances together and see the bigger picture.
Explore your options
Understand the choices available to you.
Put your plan into action
Turn clarity into practical next steps.
You don't lack information.
You lack structure.
Your pension, savings, investments and property plans are connected.
Pension choices · Property plans · Monthly money
From confusion to clarity.
Free Wealth Check
Answer a few questions about your situation.
Choose a module
Focus on what matters to you.
Get your output
Receive clear analysis and next steps.
Optional expert review
Get human insight, if you want it.
Your next steps
Your retirement gap
You may need to increase your savings to reach your goals.
Your housing options
You have several realistic scenarios to explore.
Your cashflow
Your monthly surplus gives you flexibility.
Illustrative output
Example scenarios
What clarity feels like.
Can we afford our first home in Switzerland?
The situation
You're saving for a home and want to understand your options in today's market.
What we examine
Your equity, affordability and how a purchase fits your wider finances.
What becomes clearer
How the purchase could be funded, what a lender may look at, and your monthly budget after buying.
Illustrative scenario
The modules
One decision at a time.
Each module tackles a specific financial decision. Structured. Swiss-specific. Actionable.
Wealth Clarity Check
Your free financial health check. Findings by area, what is still missing, and which modules to consider next.
Enhanced Wealth Check
The deeper diagnostic: full household structure, per-member detail, and findings by area with what is still missing.
Investment Readiness
Funding check, readiness findings by part, an overall score once complete and four ways to invest compared — not investment advice.
Property Readiness
Property. A funding assessment for the price you enter, the lending equity test and lender affordability shown separately, and your household budget after the purchase. No maximum price, no approval verdict.
Pension Gap Analysis
Pension. AHV, BVG and Pillar 3a from the statements you add. Shows estimated income against your target, in three scenarios.
Who it's for
Built for one person.
The financially capable professional in Switzerland who has never had access to proper structured guidance.
The international professional
You moved to Switzerland 1–5 years ago. You earn well — but Swiss Pillar 2, Pillar 3a, cantonal taxes, and mortgage rules are a foreign system. You haven't found the time to figure it out properly.
The aspiring property buyer
You want to buy in Switzerland but don't know if you can afford it. Bank affordability rules, the usual 80/20 loan-to-value, amortisation — you've heard the terms, but nobody has run the numbers for you.
The 40-something who's behind
You're in your 40s, earning solidly, and quietly aware you haven't sorted your pension, your emergency buffer, or your investments. Every year you don't act costs you compound growth.
The honest comparison
Why not just use
a spreadsheet?
| DIY / Spreadsheet | ✦ Recommended Navinua | Financial Adviser | |
|---|---|---|---|
| Cost | Free (your time) | From CHF 0 | CHF 200–500 / hr |
| Swiss-specific logic | — | ✓ | ✓ |
| Result in same session | — | ✓ | — |
| Pillar 2 & 3a analysis | — | ✓ | ✓ |
| No conflicts of interest | ✓ | ✓ | — |
| Available 24 / 7 | ✓ | ✓ | — |
| Data never sold | ✓ | ✓ | ✓ |
| Human expert review | — | Optional add-on | ✓ |
Navinua does not replace regulated financial advice.
How the numbers are calculated
Every number has a source.
Our models use published Swiss law, recognised industry standards and BSV figures. Where a figure is a lending convention rather than regulation, we say so. The specific rules and values used in each module are listed below.
Educational planning, not regulated advice
Navinua applies published Swiss rules to your data to produce structured estimates. Individual outcomes depend on your specific employer pension contract, cantonal tax rules, and market conditions. For complex situations, we recommend validating with a regulated adviser.
Modules & pricing
Start free.
Pay once per module.
No subscription. No recurring fees. Pay for exactly what you need.
FAQ
Questions you're
probably asking.
Built for Switzerland.
Built for trust.
Swiss-specific
Built around Swiss rules: Pillar 2, Pillar 3a, bank affordability rules, cantonal tax. Not adapted — built from scratch for Switzerland.
Privacy first
Hosted in the EU. We never sell your data. Payments are handled by Stripe. Export your data or delete your account at any time.
Not financial advice
Navinua provides educational planning support. We help you understand, quantify, and prepare — not advise on specific products.
Free to start · No card required
Your financial life
deserves a plan.
Start with four questions. Get a first result today.
Swiss rules built in · Privacy first