Budget planner
Balance your needs, wants and savings, with an emergency fund tracker and automatic tips on where you’re overspending or could save more.
Your details
The same details as in the Pillar 3a calculator. They’re shared automatically with the other tools so that we can work out your tax reserve and your Pillar 3a potential.
Your salary before deductions (employment contract or salary statement, box 1). We work out the rest automatically: social insurance, pension fund and deductions.
Estimated automatically. For a more accurate result, enter the actual amount from your salary statement.
Single also covers divorced, widowed and separated. Married also covers registered partnerships.
Only children in your household under 18, or under 25 if in education.
Pillar 3a catch-up contribution 2025▾
Possible if you’ve already paid in the maximum contribution for 2026. A one-off payment to fill the gap.
Income and household
Calculated automatically from your gross salary, but you can change it. A 13th month’s salary is already included.
Side job, family allowances, rental income etc.
Total income
CHF 0.00
Target split
We start from 55/25/20 instead of the classic 50/30/20 rule, because 50% for needs is often unrealistic in expensive regions such as Zurich. Adjust the percentages as you like.
Total: 100%
Needs
Fixed costs and essential variable spending: the things you can’t easily do without.
Fixed costs
Rent or mortgage interest, including ancillary costs
Public transport pass (GA/half-fare card) or car (instalments, insurance, servicing, motorway vignette)
Mobile, internet
Radio and TV fee
Liability, household contents, legal protection
Minimum instalments
Variable needs
Deductible reserve, dentist, medication
Petrol, parking
Taxes
Suggestion based on your details: CHF 773
Total needs
Actual 0% · Target 55%
CHF 2,743.00
Wants
Lifestyle spending: nice to have, but not essential.
Streaming etc.
Total wants
Actual 0% · Target 25%
CHF 690.00
Savings and pension
Pay yourself first: this is planned before your variable spending, not left over at the end of the month.
Emergency fund
Rule of thumb: 3–6 months of net salary as a buffer.
Pension
Pillar 3a
You can set the amount above under “Your details”.
CHF 604.83
ETF savings plan or similar
Bank accounts and securities, without property. Used only for the comparison below, not included in your budget.
Savings goals
Total savings
Actual 0% · Target 20%
CHF 954.83
0% is below the target of 20%
Save and load
Everything stays in your browser, with no cloud and no account. Export your budget as a file so you can load and update it next month.
Monthly comparison
Select several saved monthly exports at once to see your savings rate over time.
Overview
Deficit
-CHF 4,387.83/month
Income CHF 0.00 − all categories CHF 4,387.83
Emergency fund tracker
CHF 5,000.00
Target CHF 0.00
0% reached
Target reached.
Tips
- Your planned spending exceeds your income by CHF 4,388/month.
Automatically generated rules of thumb, not financial advice.