Advisory platform for Swiss financial institutions
Fincal is built for the 90 minutes in which your adviser and your client sit at the same table — and both see the same number.
Today
The calculation happens in a spreadsheet only the adviser can read. The client gets a brochure, and an email two days later. By then the question actually asked at the table has gone cold.
One conversation
Salary, pension fund, tax, housing — entered once, in the client profile. No calculator asks again for what the profile already knows.
“And what if we stopped two years earlier?” You change one value, and the answer is there before the sentence ends.
One click and the screen switches to the client view: large numbers, a calm surface, not a single piece of jargon. The marginal rate becomes “your last francs are taxed at 32 per cent”.
Pension or capital, earlier or later, buy or rent. Not explained one after the other, but set next to each other — the decision is made in the room.
A printed dossier in your brand, carrying the numbers of this conversation. If she returns in a year, today’s position is still there.
One model
A collection of separate calculators asks for the same figure every time, and none of them knows about the others. Fincal computes on one continuous model: what is established once holds everywhere — and when the basis changes, every calculation downstream changes with it.
From income, assets, marital status and municipality. Determined once — and the same figure in every housing calculation thereafter.
Feeds
Sampled once from the Federal Tax Administration, then evaluated locally for every year of the plan — across forty years if need be.
Feeds
Provenance
No regulatory value sits in the code. OASI pensions, occupational pension rates, pillar 3a maximum deductions and conversion rates live beside it as versioned datasets — each with its period of validity and its official source. A new year is a file, not a release.
Income tax, wealth tax and lump-sum withdrawal tax for every Swiss municipality — not from a table someone maintains, but from the Federal Tax Administration's own calculator. A table that has to be maintained is a lag risk.
Pillar 3a — maximum deduction with a pension fund
CHF 7,258
The scope
None of them is here to try out — the tool belongs in the advisory conversation, not on a website. What it computes is listed in full nonetheless.
9 calculators
4 calculators
12 calculators
5 calculators
6 calculators
They belong to no module because they run across all of them.
For your institution
A demo on a case from your own advisory work, in your language and with your logo.