Financial Disclaimer

FrancSense is an educational project. Results are simplified estimates, not advice.

Not advice

Nothing on this site is financial, tax, legal, insurance or investment advice, or an offer or recommendation to buy or sell any product.

Estimates only

Swiss tax, social-insurance and pension rules differ between cantons and municipalities and change every year. Personal circumstances such as marital status, residence permit, religion and employer plan rules matter. Our calculators use simplified assumptions and rounded parameters.

Past performance

Investment projections use assumed returns. Real returns vary and can be negative; past performance does not predict future results.

Verify before you decide

Confirm figures with official sources (ch.ch, estv.admin.ch, bsv.admin.ch, your cantonal tax office) or a licensed adviser before making financial decisions. See also the sources and methodology.

Liability

Use of the site is at your own risk; see the Terms of Use.