What it covers

What the simulation covers - played through on one example.

Anna (40) and Marc (43), two children, a home in the canton of Zurich. Six questions almost every household faces at some point - and how the simulation makes them visible.

You move one date. Everything recalculates.

Marc moves his retirement two years earlier. In the same moment the whole model recalculates: income, pensions, taxes, mortgage, wealth - across the entire lives of Anna and Marc. None of it stands on its own.

Every change: calculated through to the final simulated year
Taxes, salary and pensions: derivation on click
Official reference values from ESTV, BSV and BFS
Imputed rental value and individual taxation: reform already modelled
Matrimonial and inheritance law are part of the calculation
It computes the consequences - you decide

Recording from the running simulation, no sound - demo household Anna & Marc, model calculation under assumptions.

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Retirement is not a date. It is a transition. — The staircase is Marc's workload - his level of employment by age: 100 percent, 60 from 62, zero from 65. In the cards below he chooses the capital withdrawal for each step, from "pension only" to "lump sum only", at the applicable conversion rate. Demo household.

Question 1 of 6

"Can Marc cut back to 60% at 62 - and stop entirely at 65?"

Retirement is not a date. It is a transition.

Marc does not want to go from one hundred to zero: down to 60 percent at 62, full retirement at 65. The simulation knows this path - partial retirement in several steps. For each step Marc chooses the capital withdrawal - how much of the pension fund as a lump sum, how much as a pension - and the conversion rate turns the savings into the lifelong pension: 6 percent means CHF 6,000 a year out of CHF 100,000.

Partial retirement in up to three steps
Partial AHV withdrawal from 20 to 80 percent
Pension calculation with the official scales

Married means: 150 percent at most. — The dashed "Household total" line is the sum of both pensions, reduced by the capping from 2050 (amounts in future francs, which is why they exceed today's pensions). When Marc's pension ends at the modelled life end at 90, Anna's line jumps up: the reduction falls away, and a widowhood supplement is added. Demo household, model calculation.

Question 2 of 6

"How much AHV do we get as a couple - and why less than two single pensions?"

Married means: 150 percent at most.

Two full careers do not add up to two full pensions: the AHV adds up the incomes earned during the marriage years and credits half to each spouse - the income splitting - and reduces both pensions as soon as together they exceed 150 percent of the maximum single pension - the pension capping. The simulation lays this out on the timeline: each pension start, the year the reduction begins, and what actually arrives in the household budget.

Both pension curves and the household total on one timeline
Income splitting and the couple ceiling per the official rules
Every pension event explained on click

Lump sum or pension? Taxes have a say. — Each bar is one withdrawal year: the one-off capital benefits tax on the capital paid out from the pension fund and Pillar 3a. "Total (household)" is the sum across all shown withdrawal years - demo household, canton of Zurich.

Question 3 of 6

"Lump sum or pension from the pension fund - and what is left after taxes?"

Lump sum or pension? Taxes have a say.

The biggest number in Marc's life sits on his pension fund statement - and taxes have a say in how much of it arrives: the pension is taxed as ongoing income, the lump sum once at payout - the capital benefits tax. The simulation shows that tax for both of them across the withdrawal years - pension fund and Pillar 3a separately, canton and municipality included, based on ESTV reference data. And because a voluntary buy-in into the pension fund changes the picture again, its tax effect is calculated in as well - year by year.

Capital benefits tax per withdrawal year, for both persons
Pension fund and Pillar 3a shown separately
Canton and municipality on ESTV basis

Affordable today - affordable at 65? — Top: the house's market value, mortgage and net worth; below, the two affordability curves - as long as the calculatory one stays in the green zone, the financing counts as affordable by usual bank criteria. The step in the zone boundary at retirement: a higher threshold applies once retired. Demo household, test interest rate as an assumption.

Question 4 of 6

"What if interest rates rise - can we still afford the mortgage?"

Affordable today - affordable at 65?

House CHF 1.2 million, mortgage CHF 800,000 - no problem today. But the bank calculates cautiously - the calculatory affordability: computed with an elevated test interest rate, housing costs should usually stay below roughly one third of income; the effective affordability next to it uses the actual costs. Marc's income drops with retirement - in which year does it get tight, and what changes if part of the mortgage is paid back? Anna and Marc see it before the bank does.

Affordability over time, not a snapshot
Play through interest scenarios yourself
Repayment (amortization) and retirement in the same picture

When life gets more complex: with Premium you also model rental properties - rental income, maintenance and sale including real estate capital gains tax.

Protection means knowing beforehand what would be missing. — Each colour is one benefit - from wage continuation to the disability pension; from 65 the old-age provision takes over (state and occupational retirement pension). The hatched area on top is the coverage gap, measured against Marc's current income (100% = CHF 95,000). The dashed 90 percent limit shows: together, the insurances do not pay out more than roughly 90 percent of the previous salary. Model calculation, a basis for the conversation, not advice.

Question 5 of 6

"What happens to the family if Marc becomes disabled?"

Protection means knowing beforehand what would be missing.

Nobody likes to ask this question - which is exactly why it belongs in a calculation instead of sleepless nights. For disability through illness, the simulation lines up what starts when - wage continuation, daily allowance, the state disability pension, the occupational pension from the pension fund, plus child pensions - and shows as the coverage gap what is missing against the previous income; in an accident, the accident insurance would come in as well. With the what-if slider, Anna and Marc check what they want to discuss with their insurer.

The coverage gap: what the insurances together do not replace
What-if directly on the slider
Needs and benefits in the same chart

When life gets more complex: with Premium you model disability, death and divorce as complete scenarios - including marital property and inheritance law.

Does it last until 90? One line answers. — The balance sheet is the household's statement of wealth: bars above the zero line are what it owns - from cash to 3a assets - and the mortgage sits below as debt. The top line is the household's net worth - what remains after deducting the debts - while the blue and red lines are Anna's and Marc's share; at the modelled life end, Anna's line carries the inherited wealth on alone. Model calculation under assumptions, no return forecast.

Question 6 of 6

"How long does our money last if we live off it from 65?"

Does it last until 90? One line answers.

From retirement on, the money flows the other way: before, surpluses are invested automatically - afterwards, the household draws on them. The household's balance sheet shows this across the whole life: cash, assets, homes, pension fund and 3a assets stacked on top of each other, the mortgage below as debt, and above it all the net-worth line: what remains after deducting the debts. Anna and Marc see whether the line holds to the end of the simulated lifetime - and what a decision made today changes about it.

Every part of the wealth in one balance sheet, year by year
Invest surpluses automatically, draw on them in old age
Net worth as one line to the end of the simulated lifetime

When life gets more complex: with Premium you also plan the drawdown of wealth after retirement and expected inheritances.

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What the simulation covers - played through on one example.

You move one date. Everything recalculates.