The problem
You don't lack information.
You lack structure.
You're earning well, living in Switzerland, and still unsure if you're on track. Pension gaps, property affordability, investment strategy — every decision feels urgent and complex at the same time.and complex at the same time.
How it works
From confusion
to clarity.
Free Wealth Check
10 minutes. 25 questions. Get your Wealth Clarity Score, behavioural profile, and personalised module roadmap — instantly.
Choose a module
One focused deep-dive per decision: pension gap, property readiness, investment allocation, or cash flow. Structured, Swiss-specific.
Get your output
A scored report with key findings, recommendations in priority order, and a concrete action checklist. No jargon. Ready to act on.
Expert review
For high-stakes decisions, a human expert reviews your output, adds annotations, and prepares an adviser briefing document.
Example scenarios
What clarity feels like.
Three years in Switzerland, Pillar 3a still untouched. The Wealth Check runs the numbers, shows the tax being lost every year, and gives a clear first step — in about 20 minutes.
The bank says 'you should think about pension planning' and stops there. The Pension Gap Analysis shows the AHV gap, what BVG will actually pay out, and exactly how much to close personally.
A couple with no idea whether property in Zürich is realistic. Property Readiness runs the FINMA stress test, calculates the equity gap, and returns a concrete maximum purchase price.
Illustrative scenarios — Navinua launches in September 2026.
Six modules
One decision at a time.
Each module tackles a specific financial decision. Structured. Swiss-specific. Actionable.
Wealth Clarity Check
Your free financial health diagnostic. Score, behavioural profile, and personalised roadmap.
Enhanced Wealth Check
The deeper diagnostic: full household structure, per-member detail, and refined clarity score.
Monthly Money Rule
Decide what each month’s surplus should do: build safety, reduce debt, fund goals, use Pillar 3a, or prepare for long-term investing.
Investment Readiness
Assess whether investing makes sense for your situation, based on your safety buffer, timeline, debt, risk capacity, and financial goals.
Property Readiness
FINMA affordability stress test, equity gap, and maximum purchase price calculator.
Pension Gap Analysis
Full AHV + BVG + Pillar 3a projection. Retirement income estimate and capital gap.
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. FINMA affordability rules, the 80/20 LTV requirement, 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, FINMA circulars, and BSV actuarial tables — not estimates. 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.
Transparent 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, FINMA affordability, cantonal tax. Not adapted — built from scratch for Switzerland.
Privacy first
Your data is encrypted, stored in EU data centres, never sold, never used to train AI. Swiss nDSG and GDPR compliant. Export or delete 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 the free Wealth Check — 10 minutes, 25 questions, a complete picture of where you stand.
Swiss rules built in · Privacy first · 7-day refund guarantee