Understand your finances,
before it costs you.

Clear, independent financial know-how for anyone just starting their working life, from salary deductions to taxes to your first ETF savings plan.

Start the learning path

What you should know

Learning Path

Your personal route through every topic on this site. Tick off what you've already read and see straight away how far you've got, your progress stays saved locally in your browser.

Salary & Deductions

Understand what's really on your Lohnausweis (salary certificate): AHV, IV, EO, ALV and pension fund explained simply. So you know exactly where part of your gross salary goes every month.

Insurance

Health insurance, liability, household contents & co., which types of insurance are genuinely worth it and which are mostly unnecessary. So you don't pay for things you don't actually need.

Taxes

Your tax return explained step by step, plus how pillar 3a lets you legally save on tax every year. Ideal for your very first tax return.

Investing

How stocks, ETFs and cryptocurrencies work, now with its own page per topic, live prices and a real worked example. Shows what long-term saving can really achieve.

Checklists

Four compact PDF checklists to download: first salary, budget, first flat and debt traps. To print out or tick off directly on your phone.

Calculators

Three interactive calculators for everyday use: an ETF savings-plan calculator, a combined net-salary & budget calculator, and a tax calculator with a canton comparison. Enter your own numbers and see the result instantly, no sign-up needed.

Budget Planner

Build your perfect budget step by step, right here with your own numbers, including a live breakdown and assessment.

Myths & Reality

Eight widespread money myths fact-checked, from "leasing is cheaper" to "AHV won't exist much longer". Set straight, short and clear.