What happens to your family when you can't be there for them?
See exactly what your family receives from Swiss Pillars 1, 2 & 3 in the scenarios that matter most — income, expenses, gaps — based on real Swiss law. Takes 5 minutes.
⚖️ Swiss AHV Scale 44
🏛️ All 3 Pillars
💡 Insurance Recommendations
📊 5-Year Runway
🔒 No data stored. No sign-up. No ads.
📷 Jungfrau, Berner Oberland
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Scenario & Family
Pick a life event, select who's affected, then set up your family.
What do you want to plan for?
Who passes away?
Who is employed?
How many children?
0children
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Income
Enter the gross salary for each employed partner.
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FAMILY'S Monthly Expenses & Premiums
All household costs including insurance premiums. Term insurance premium is entered in Pillar 3b and shown here automatically.
💡 Insurance premiums are household expenses — not liabilities. Liability step is for debts and obligations only (mortgage, alimony).
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Assets
What your family owns. Find these on your latest tax return.
Tax return line 400
Tax return line 421
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Liability
Financial obligations — mortgage, debts, and mandatory maintenance payments.
📌 In Switzerland, health insurance and taxes are mandatory obligations — enter them in the Expenses step. This step is for debt obligations only.
Mortgage payoff is a key first step after death — eliminates interest permanently.
Regular payments to an ex-partner or children from a previous relationship.
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The Three Pillars
Enter your Swiss pension data. Select each pillar tab.
The Swiss state automatically pays pensions in case of death. We estimate these from your salary, but you can override with your exact AHV Kontoauszug figures.
Find these figures on your latest Pillar 2 certificate (Vorsorgeausweis / Certificat de prévoyance).
Pillar 3a grows tax-free. On death, the savings are paid out as a lump sum. The annual premium you enter here is automatically shown in your Expenses summary.
Term insurance pays a lump sum on death. The annual premium you enter here is automatically reflected in your Expenses total — and correctly removed from post-death expenses.
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Your Financial Protection Analysis
Based on Swiss AHV Scale 44 (2025/2026) and your inputs.