Answer a few questions about your income, household, and situation, and get a personalised breakdown of what to spend on housing and insurance, whether to start (or increase) your Pillar 3a contributions, and whether a car or public transport makes more sense for your commute.
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The frameworks behind these recommendations
The suggested budget split is based on the 50/30/20 rule popularised by Elizabeth Warren, a former Harvard Law School professor specialising in bankruptcy and consumer finance, and her daughter Amelia Warren Tyagi, in their book All Your Worth: The Ultimate Lifetime Money Plan (2005): roughly 50% of take-home income toward needs, 30% toward wants, and 20% toward savings and debt repayment. The housing guideline (keeping rent at or below about a third of income) is a long-standing rule of thumb from the same tradition of practical, needs-first budgeting.
The nudge toward starting Pillar 3a contributions draws on the behavioural economics research of Richard Thaler (Nobel laureate in Economics, University of Chicago), whose “Save More Tomorrow” work found that people save significantly more for retirement when the decision is made simple and automatic, exactly what a Pillar 3a standing order does.
Health insurance benchmarks use the Federal Office of Public Health’s (BAG) official 2026 average premiums. Pillar 3a contribution ceilings use the current figures set by the Federal Social Insurance Office (BSV): CHF 7,258 per year if you have a workplace pension fund, or up to CHF 36,288 (20% of net income) if you’re self-employed without one.
Getting around: related reading
- SBB Halbtax: is the half-fare card worth it?
- SBB Halbtax Plus: a closer look at the prepaid option
- Best ways to save on trains, commuting, and SBB passes
This tool provides general educational guidance based on established budgeting frameworks and current public figures. It is not personal financial, tax, or investment advice, your own circumstances, especially canton-specific tax rules, may differ. See our Editorial Policy for how we approach content like this.
