What Wealth4Life is – and what it deliberately does not do

Anyone preparing a financial decision in Switzerland gets a separate tool for every question: the bank's affordability calculator, the pension fund's Vorsorgeausweis (benefit statement), the tax return, the Pillar 3a account statement. Each of these documents answers its own question correctly – taken on its own.

Only the questions aren't separate. A voluntary pension-fund purchase changes the tax bill. The choice between a lump sum and a pension changes income, wealth and the protection of your partner. An amortization payment shifts money between the mortgage, the tax deduction and free assets. Anyone who calculates all of this separately sees fragments – but never what a decision actually does over twenty or thirty years.

One model instead of many separate calculations

Wealth4Life models a household as a single whole: both partners, children, income, pension provision, real estate, assets, debts, expenses. The simulation runs this model year by year, from today until the end of life – including the cantonal taxes for every single year.

Decisions become scenarios that sit side by side: lump sum or pension, amortize or invest, retire earlier or work longer. You change one assumption and see what shifts over the decades – not as a recommendation, but as a traceable path.

What's actually in it

• Pension provision: the state pension (AHV) with flexible drawdown, the pension fund with voluntary purchases and the lump-sum-or-pension question, Pillar 3a – all working together, not as three separate pots.
• Home ownership and mortgage: affordability, amortization, early withdrawal for home ownership (WEF) – including the question of whether the home is still affordable after retirement. Investment properties, with cash flow and taxes.
• Taxes: income and wealth tax by canton, year by year; lump-sum withdrawals taxed under their own rules; a move to another canton can be modelled too.
• Retirement: staged drawdown of assets – how long your wealth lasts and in what order it is drawn down.
• Family and estate: the matrimonial property regime, statutory shares and compulsory portions, a will – and the scenarios no one likes to think about: disability, death, divorce.
• Action plan and report: the scenario produces a concrete list of open items with deadlines where they exist; the whole thing can be exported as a PDF and shared with an advisor.

Wealth4Life isn't finished – a platform like this never is. What's still missing is named openly, instead of disappearing behind marketing language.

What Wealth4Life deliberately does not do

Wealth4Life doesn't sell financial products and doesn't broker any. There's no commission tied to a result, and no "advisory conversation" that's actually a sales pitch. The business model is a software subscription – nothing more. That's what makes it possible for the calculation to stay neutral.

Wealth4Life doesn't give advice, either. The simulation shows outcomes under assumptions that you can see and change. Whether you decide on your own afterwards or bring in a professional is up to you – but then with numbers that are yours. Your data stays in Switzerland; there are no marketing calls and no trading in your data.

How to get to know it

At wealth4.life/rechner there's a growing collection of free calculators – from affordability to the AHV old-age pension to the tax calculation for all 26 cantons. No login, no email address required; the result appears immediately and in full.

Anyone who wants to see the simulation itself creates a free account – no credit card – and clicks through the demo scenarios. For your own household, annual subscriptions start at CHF 240, transparent and cancellable at any time.

Who is behind Wealth4Life

Wealth4Life isn't a corporate product. I built the platform as an independent software developer – with no bank or insurer behind it, and no stake in any financial product. That's exactly why the tool can stay neutral: it earns money from the software, and nothing else. Feedback and criticism reach me directly through the contact form – both feed continuously into further development.