Your Entire Financial Life. Finally Solved.
Don't just track your money—maximize it. Unify your disjointed assets—Pillar 2, 3a, and Savings—into one living, tax-smart simulation. Stop guessing your future and start designing the fastest path to your true wealth potential.
Find Your Perfect Fit
Whether you're an individual, advisor, or employer, we have the right solution for you.
Stop Flying Blind. Start Optimizing.
The Challenge
"You rely on a static PDF for your Pillar 2, an app for your 3a, and a manual spreadsheet for your savings. They don't talk to each other. This fragmentation creates blind spots that cost you thousands in missed tax opportunities and compound interest."
Our Solution
Turn the lights on. WealthOpti unifies your scattered assets into a single, living dashboard. Visualize your full lifetime wealth and income projection, then simulate strategic moves—from pension buy-ins and home purchases to optimized Pillar 2 & 3 withdrawal strategies. Don't just simulate—unlock intelligent optimization insights that match the quality of an expert financial advisor, without the expensive fees.
Advisor-Grade Intelligence
Auto-detect tax savings, buy-in opportunities, and withdrawal strategies that a human advisor would charge for—instantly.
Real-Time Net Worth
Don't just track numbers. Watch how every decision—from home buying to retirement timing—impacts your final wealth trajectory.
Your Financial Twin
A digital mirror of your entire life. Salary, Pension, and Assets unified into one living simulation that evolves with you.
The Power of a Unified Lifetime Plan
Answer the critical questions that define your financial future.
The Total Wealth Trajectory
One Master Simulation. Move beyond scattered PDFs and isolated logins. Consolidate your Salary, Pension details, and Private Assets into a single, living model. Visualize the complete trajectory your separate accounts are building—from today until age 100.
Intelligent Opportunity Detection
Reveal the hidden "Alpha" in your total wealth. Move from passive tracking to active strategy. Our 6-Layer Intelligence Engine scans your life for high-impact wins—from Peak-Year Pension Buy-ins and Indirect Amortization to Optimal Withdrawal Sequencing—ensuring you capture every franc of potential growth.
The Life-Design Engine
Turn "I hope" into "I know." Planning early retirement at 58? Buying a chalet in 3 years? Reducing work to 80%? Define the goal, and the engine instantly calculates if your wealth can sustain it.
Dynamic Scenario Planning
Don't bet on a single future. The economy is unpredictable. Compare 'Conservative' vs. 'Growth' projections side-by-side. Understand your full range of possible outcomes to build a strategy that works in any market environment.
Professional Strategy Reports
Your financial blueprint, documented. Generate a detailed PDF report of your simulation, including all assumptions, growth rates, and projected outcomes. Perfect for aligning financial goals with your partner or validating your strategy with a professional advisor.
Multi-User Household Mode
Plan as a team, not just an individual. Wealth doesn't happen in a vacuum. Simulate a complete household by merging partner incomes, joint assets, and shared life goals. See how a spouse’s part-time work or early retirement impacts the family’s total bottom line.
Your Data. Your Eyes Only.
Your financial data belongs to you. Not us. Not advertisers.
Not even our engineers can see your data. It is encrypted on your device before it ever touches our servers.
Your password is the only key. We never store it, so we can never unlock your vault.
We don't sell data. We don't push banking products. Our only business is building the best simulation for you.
Tax-accurate limits and deductions for ZH, BS, BL, and AG. Not generic estimates—municipal precision. (More cantons coming soon).
"We built a Zero-Knowledge architecture. Your salary, wealth, and tax data are encrypted before they touch our database."
Trusted Industry Standard