SmartPensionApp

Finance

$17.99 · In‑App Purchases · Designed for iPad. Not verified for macOS.

Instant Swiss document scanning, precision cantonal tax math, and an on-device AI coach to optimize your retirement. 100% private and offline. Master your Swiss pension strategy with precision math, instant document scanning, and an on-device AI coach. NEW IN VERSION 1.1: • ON-DEVICE SWISS PENSION AI COACH: Ask complex questions in plain language ("What happens if I buy in CHF 40k and retire at 62 in Zug?") and receive legally grounded answers citing BVG, FZG, and AHV statutory articles with 100% offline privacy. • SWISS DOCUMENT SCANNER: Snap a photo of your Vorsorgeausweis (Pension Certificate) or Lohnausweis (Salary Certificate) to auto-extract pension savings, insured salary, and buy-in potential directly into your plan via on-device Apple Vision OCR. ------------------------------ FREE - 2ND PILLAR BUY-IN CALCULATOR ------------------------------ * Annual buy-in scheduling with year-by-year CHF compounding * Progressive cantonal tax savings based on your exact income bracket * 3-year statutory lock-in period modelling (BVG Art. 79b) * Reduced lump-sum retirement withdrawal tax calculations * Gross vs. net capital accumulation comparisons * Interactive charts with animated cash-flow waterfalls * Summary KPIs: Total Benefit, Net Return, Tax Saved & more * One-tap executive PDF report export * Full support for English, German, French & Italian * All 26 Swiss cantons and municipalities ------------------------------ PILLAR PRO - ADVANCED SUITE ------------------------------ Unlock 6 integrated actuarial and wealth planning tools: AI "WHAT-IF" COACH & EXECUTIVE NARRATIVE Ask questions in natural language. The AI automatically syncs variables across all your calculator sliders and generates a personalized 3-paragraph executive financial summary. SWISS DOCUMENT SCANNER & OCR Instant on-device recognition for Swiss pension certificates and salary statements. No manual typing required. ACTUARIAL RETIREMENT FORECAST Multi-decade wealth projections across return scenarios. Evaluates combined AHV + 2nd Pillar + 3a annuities, BVG conversion rates (Umwandlungssatz), and income gap analysis. CANTONAL TAX ALPHA Effective and marginal tax rates for all 26 Swiss cantons and municipalities based on real Steuerfuss data. Includes relocation tax arbitrage comparisons. WEF MORTGAGE OPTIMISER Direct vs. indirect amortisation math. Evaluates tax savings from pledging 2nd Pillar or 3a capital against direct mortgage debt paydown. EARLY RETIREMENT (FRÜHPENSIONIERUNG / AHV21) Calculates the true cost of retiring between ages 58 and 64, factoring in early AHV reduction rates, BVG penalties, and necessary bridging capital. ETF OPPORTUNITY COST Compares tax-deductible pension buy-ins against global equity ETF index investments across multi-year holding horizons. PILLAR 3A OPTIMIZER Maximise Pillar 3a contributions under 2026 legal caps with staggered multi-account withdrawal tax minimization. ------------------------------ DESIGNED FOR SWITZERLAND ------------------------------ * Real municipal Steuerfuss data across all 26 cantons * 2026 statutory BVG & Pillar 3a caps built in * BVG Umwandlungssatz (conversion rate) and AHV21 reference age rules * Native Swiss number formatting (CHF 50'000) * Professional, client-ready PDF exports ------------------------------ 100% ON-DEVICE PRIVACY ------------------------------ All calculations, document scanning, and AI inference happen locally on your iPhone. No personal data, photos, or financial figures are ever collected, stored, or transmitted to any server. No account or registration required. For illustrative and educational purposes only. Not financial advice. Always consult a licensed Swiss fiduciary, tax advisor, or pension specialist before making binding pension decisions.

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What's New in Version 1.1: • On-Device Swiss Pension AI Coach: Ask complex tax and pension questions in plain language and receive instant, legally grounded answers citing BVG, FZG, AHV, and 3a statutory rules with 100% offline privacy. • Swiss Document Scanner: Snap a picture of your Vorsorgeausweis or Lohnausweis to automatically extract pension capital, insured salary, and buy-in potential directly into your plan with on-device Apple Vision OCR. • Early Retirement (AHV21) Planner: Model the cost of retiring early (ages 58–64), including reference age adjustments, early withdrawal reductions, and bridging capital requirements. • WEF Mortgage Optimiser: Compare direct mortgage amortisation against indirect amortisation via 2nd Pillar / 3a pledges to maximize cantonal tax deductions. • Redesigned Financial Ledger: Clean, high-density year-by-year compounding breakdowns with lock-in period indicators and tax saving metrics.

Version 1.1

The developer, Edgar Flores Parra, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

  • Data Not Collected

    The developer does not collect any data from this app.

    Privacy practices may vary, for example, based on the features you use or your age. Learn More

    Accessibility

    The developer has not yet indicated which accessibility features this app supports. Learn More

    Information

    Seller
    Edgar Flores Parra
    Size
    10.2 MB
    Category
    Finance
    Compatibility
    Requires iOS 17.0 or later.
    • iPhone
      Requires iOS 17.0 or later.
    • iPad
      Requires iPadOS 17.0 or later.
    • Mac
      Requires macOS 14.0 or later and a Mac with Apple M1 chip or later.
    • Apple Vision
      Requires visionOS 1.0 or later.
    Languages
    English
    Age Rating
    4+
    In-App Purchases
    Yes
    Copyright
    © 2026 actuaryexplains.ch
  • Privacy Policy

    • Supports

    • Family Sharing

      Some in-app purchases and subscriptions may be shareable with your family group when Family Sharing is enabled. Learn More

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