Financial decision-making made clear, transparent and Swiss focused.
FrancSense is an independent, educational platform built to help people in Switzerland model financial scenarios, evaluate long-term wealth, and make confident money decisions with clean, interactive tools.
Why FrancSense
Navigating taxes, Pillar 3a retirement projections, mortgages, or compound growth in Switzerland often means dealing with dense PDFs or opaque advisory tools. I built FrancSense to give you instant, visual control over your financial calculations.
Analytical rigor
Grounded in real market mechanics and official Swiss data sources (like ESTV, BSV, and FINMA).
User-centric tools
Simple, interactive calculators designed to give you immediate answers directly in your browser.
Zero jargon & full privacy
No corporate fluff, no mandatory sign-ups, and no hidden affiliate pushes. Your numbers remain completely private in your browser.
How FrancSense works
100% free & browser-based
Every calculation happens locally on your device — your personal financial inputs are never stored or tracked.
Educational & scenario-based
Designed to help you compare scenarios (e.g. renting vs. buying, varying tax rates, retirement growth models) before making key life choices.
Updated regularly
Reflected against current Swiss regulatory frameworks and tax parameters.
Parameters used (2025/26)
- AHV/IV/EO: 5.3 % employee share; ALV: 1.1 % up to CHF 148'200
- AHV pension: CHF 1'260 to 2'520 per month
- Pillar 3a: CHF 7'258 (with pension fund), up to CHF 36'288 (without)
- BVG: entry threshold CHF 22'680, coordination deduction CHF 26'460
- VAT: 8.1 % / 2.6 % / 3.8 %; withholding tax 35 %
Languages
The site is available in English, German, French and Italian. Legal terms are given in the language of each page; check the official text in your language when in doubt.
Privacy
All calculations happen in your browser. The site uses no cookies, tracking or external requests.
Sources to check
Contact
Questions? Feedback? Write to us and we will get back to you as soon as possible.
Email: Click to reveal email